23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Somehow I missed recording our new mortgage payment amount which we were allegedly notified of in XX/XX/XXXX. So we have continued to pay the old monthly amount of {$1500.00} until receiving a notice this week that we had an overdue payment for XX/XX/XXXX and with the XXXX payment due we owed a total of {$3200.00}, which is completely false and misleading. Every monthly check to Flagstar Bank had cleared our bank every month up to and including XX/XX/XXXX. 

Upon calling Flagstar to find out what was going on, they told us that they did not show any payment as received if it wasn't for the correct amount due. So even though we only owed ( as it turned out ) {$18.00} to Flagstar, the Flagstar statement said we owed {$3200.00} on the XX/XX/XXXX statement. On prior XXXX statements ( XXXX, etc. ), my erroneous payment of {$1500.00} was duly recorded and credited with no notification that it was incorrect ( I don't always look closely at the mailed statements as I pay bills through our local bank, but I sure will now ) and NO balance due shown. 

Further, Flagstar said they had notified us of the erroneous payment and today emailed us a letter we had not seen dated XX/XX/XXXX which said the total amount due is {$1600.00} and to bring the loan currrent, we should pay that amount plus {$79.00}. Furthermore, the same letter noted we had paid an erroneous amount of {$1500.00} ( which amount we had never paid, only the monthly {$1500.00}, all of which we can document ). The Flagstar numbers sent to us, together with their statements, that they never recorded XXXXshort ' payments ( some of which they certainly did ) and then to bill us for more than {$3000.00} when we owed {$18.00} smacks of flim flam, customer manipulation, or the worst computer system in the history of the world. I told them we would complain to the CFPB as their practices seemed at the best confusing, and at the worst unfair, deceptive, and fraudulent.
Product: Checking or savings account

On   XXXX   XXXX   2016 i was  XXXX  and sent to   XXXX   for   XXXX   XXXX   got out of  XXXX  on   XXXX   XXXX   2016 on the   XXXX   XXXX   XXXX   i went to my bank to get money and to find out i had   XXXX    to m y name i tell the bank i want to make a complaint that my money was gone that i should have  XXXX  in there not  XXXX  i filed a fraud on account and made a police report in two towns in  XXXX  and in  XXXX  colorado on the   XXXX   XXXX   2016 by the middle of  XXXX  to the   XXXX   XXXX   XXXX   tcf said i have lost my money and they will not pay me back my  XXXX  that was stolden from my account im going to keep fighting because im not in the wrong and this bank is please help me get my money back
Product: Debt collection

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the CONVERGENT OUTSOURCING ( Original Creditor : XXXX ) still remains on my credit report in violation of Federal Law. The XXXX and XXXX Credit Bureaus failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Product: Bank account or service

In early XXXX Wells Fargo Bank issued a credit card in my name to an unknown person at an address XXXX despite fact that my official address on the record is XXXX. A discussion withe an agent assured me the card had been identified as bogus but not yet closed and I had not been informed. I subsequently received a letter from Wells fargo which said " your card has been closed ''. Also received a zero balance statement which seemed to legitimized the card. I called and spoke with XXXX XXXX a supervisor who told me this is standard procedure. I told her I wanted a letter with the correct details.
Product: Credit card or prepaid card

Yesterday, a fellow from Citibank called to tell me of an overdue bill and a late charge from XXXX. I told him there was a problem with paying it since I havent had a XXXX card since XXXX and have never had a Citibank account.. He advised me that my problem was with XXXX. Citibank transferred my call to XXXX.XXXX had no record of my existence, and the only other way the rep could locate the invoice required the number on my membership card. So, if my nonexistent card were unavailable, the only way to resolve this dispute was to reason with Citibank.

Today, I received an email from Citibank/XXXX advising me that on my account # ending in XXXX, " You've got {$2.00} cash back on your XXXX reward certificate waiting for you. '' XXXX has not sent me a card in year, nor to my knowledge, have I ever paid an annual fee. Citibank does send advertising literature, but not billing statements. A payment I made on an existing balance was transferred to XXXX XXXX years ago.
Product: Debt collection

On XX/XX/XXXX I received a notice in the mail from Portfolio Recovery Associates, LLC Stating that they are responding to my dispute with documents that would prove the account in question was valid. ( I have the documents attached. The documents they sent were bills and statements. This is a violation pursuant to 15 USC 1692g - Validation of debts which states the 5 requirements that validate a debt. It does not once mention a bill or statement. This is a XXXX $ violation per each action pursuant to 15 USC 1692k- Civil Liability. This company has mailed me on over XXXX different occasions after I sent them a cease and desist letter without even sending me the proper documents. That places them also in violation pursuant to 15 USC 1692c ( C ) Ceasing communication this is another XXXX $ violation. I am seeking damages because this company will not comply with federal law and it will not invoke my specific remedy to resolve this issue. Attached I have proof I sent them a cease and desist. I also have proof they sent me bills instead of the XXXX requirements under 15 USC 1692g. I also have proof that this company keeps sending me mail every month after they received a cease and desist. This company is also reporting this information to atleast XXXX other companies without my consent or proof it has been a judgment against me according to 15 USC 1681b- permissible purpose this is another violation. I have proof of cease and desist attached with the return receipts to prove they received them. They sent me letters on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX all are violations XXXX $ per occasion.
Product: Vehicle loan or lease

At the outset of my new car lease ( XX/XX/XXXX ), Toyota was sending me my billing statements in the mail only despite my wish to payonline. As of XX/XX/XXXX, XXXX no longer mailed me my statements and would send them well past the due date ( XXXX of the month ). For example, I should have already received an XXXX statement that should have been received by mid XXXX.and that has not happened. Toyotal Financial Services did not send me my XXXX statement until well passed the due date charging me unpaid late charges. 

I have attempted to contact them online and I get locked out of my account. When I call and speak Toyota Financial Services, they say I do not have an account with them. I have updated my email and they send confirmation of updated email but when I login again, I am locked out of my account
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked previously for an investigation into WHY I have 2 bankruptcies reporting on my bureau for the same case number. I was told it was investigated and they mailed me a report. A report was mailed and the only changes were an old address and a name, they did not remove the duplicate nor did they do an investigation as to why it is reporting incorrectly. I DEMAND TO KNOW WHO YOU VERIFIED WITH IN XXXX THAT TOLD YOU TO CONTINUE TWO BANKRUPTCIES ON MY CREDIT FILE ILLEGALLY!! This practice is deceptive and very much ruining my profile and causing XXXX XXXX. I am going to sue XXXX based on Permissible Purpose. Should not even be on my credit report in the first place based on 15 US Code 1681b, even more if IT IS INCORRECT and DUPLICATED
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I was struck by a deer while driving. I was alone and I was not injured and neither was anyone else. I filed a police report so that I could make a comprehensive claim on my car. Later I found out that it was reported on my MVR as property damage accident crash report. Ive hit deer before and filed police reports and no others show up. I spoke with my insurance company who informed me that it was reported inaccurately and it shouldnt be on my MVR as an accident because it was a comprehensive claim and there was no damage to anything but my own vehicle. Now I am looking for a new insurance company and the inaccurate record is making my premiums extremely high.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian several times about this Child Support Account, the information is incorrect, Experian 's response is " This item was updated from our processing of your dispute in XX/XX/XXXX '' however it's gotten worse!

Now no payments are showing, and it shows " Failed to Pay '' in XX/XX/XXXX only. 

This information is 100 % INCORRECT
Product: Payday loan, title loan, or personal loan

I get payday loans from XXXX and pnc stopped it. This isnt fair to the customer. If we choose to do this we should be able to.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' XXXXXXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX i have already disputed these accounts, but the bureaus did not remove them, nor prove validation. 
under Sec. 602 " I have a right to privacy ''
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, my credit was pulled by my credit union and I was advised that there were negative collection items reporting on my credit file. When I looked over the report, I noticed a few medical bills and a bill from a XXXX XXXX. I do not owe any medical bills and I do not have any pets. So I contacted XXXX, XXXX, and Equifax on XXXX XXXX by letter and advised all 3 credit bureaus that they were reporting inaccurate information on my credit report and in turn, this information was harming my ability to obtain the credit I desired. XXXX and XXXX investigation results proved that these items did not belong to me and removed them from my credit file. Equifax, however, came back indicating that they had performed an investigation and determined that these items were valid and did not delete them. I resubmitted a dispute providing Equifax with the results from XXXX and XXXX and requested they provide me with copies of their investigation results that verify that these items belong to me and they have since stop communicating. I have provided proof from all of my efforts.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I am looking at my Equifax credit report. On all of my revolving accounts there is a note stating " Amount in high credit, is credit limit charge ''. Which is inaccurate information reporting to my Equifax credit report. All of the credit cards are at 10 % -30 % of limit and are paid down to XXXX balance by due date. Because of this noted statement on my report, it is affecting my score. Please remove this inaccurate statement. 


Revolving Account Number : XXXX XXXX Payment Responsibility : XXXX Authorized User Date Opened : XX/XX/XXXX XX/XX/XXXX Balance Date : XX/XX/XXXX XX/XX/XXXX Balance Amount : Monthly Payment : {$20.00} High/Limit : {$1400.00} {$1400.00} Account Status : XXXX Past Due Amount : {$0.00} {$0.00} Comments : XXXX Show Details XXXX Equifax XXXX XXXX Account Type : XXXX Account Number : XXXX XXXX XXXX Payment Responsibility : XXXX Date Opened : 03/2017 XX/XX/XXXX XX/XX/XXXX Balance Date : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance Amount : {$81.00} {$81.00} $ XXXX Monthly Payment : {$0.00} High/Limit : {$500.00} {$500.00} {$500.00} Account Status : XXXX Past Due Amount : {$0.00} {$0.00} {$0.00} Comments : XXXX
Product: Student loan

IN THE YEAR OF XXXX I WAS ADMITTED INTO THE UNIVERSITY OF THE XXXX XXXX XXXX IN XXXX.I HAD TO BORROW LOANS FROM THE INSTITUTE UNTIL GRADUATION XXXX. AFTER GRADUATION I FOUND IT HARD TO SECURE A JOB. 
AFTER SOME YEARS I WAS ABLE TO SECURE ONE, BUT BY THEN MY SCHOOL LOANS HAD MOUNTED UP TO THE TUNE OF $ XXXX.THIS COMPANY CALLED PERFORMANT RECOVERY. INC WERE GARNISHING MY WAGES AND WERE TAKING OUT {$89000.00} EVERY TO WEEKS.AS A RESULT I HAD NOTHING LEFT FROM MY PAY CHECK.MY CAR WAS REPOSSESSED AND I EVICTED FROM MY RESIDENCE, I FINALLY STARTED BEGGING THE AGENT WHO IS CHARGE OF MY ACCOUNT THAT HE SHOULD PLEASE CUT ME SOME SLACK AND GIVE ME A LOAN MODIFICATION IN THE AMOUNT OF {$440.00} WHICH WAS HALF OF THE {$480.00} WHICH I WAS PAY INITIALLY.
Product: Bank account or service

My mortgage was sold b y Wells Fargo t o this company.  XXXX  states that  my 1st p ayment was due  XXXX   XXXX  when my loan was n't acquired by them till  XXXX   XXXX .  Wells Fargo  was deducting the money from my checking account bi-weekly.  Wells Fargo  shows that they forwa rded the one p ayment that they took to  XXXX . I have spoken to multiple people at  XXXX  asking why my funds have n't been credited to my account. They claim they never received them fro m Wells Fargo . I fax them proof and they just state they are looking into it. This has been going on since  XXXX . It is now  XXXX . I have spoken to at leas t 20 p eople and no one can come up with an explanation as to where my money has gone. When you google their name this has happened to many other people as well. I want to know how I can owe them money due  XXXX   XXXX  when they did n't purchase my loan till the  XXXX , where my money has gone  that Wells Fargo  states they forwarded to them, and finally they say I ca n't do bi-weekly payments because of the terms of my loan when  Wells Fargo  was doing them. They have lied to me repeatedly. They have not credit my money to my account that was giving to them by  Wells Fargo  since  XXXX . This is horrible that a company can do this to you and you have no choice or say because your loan was sold to them.
Product: Debt collection

I hope this letter finds you well. I am writing to bring to your attention a matter concerning my MIDWEST LOAN SERVICES account. I recently reviewed my credit report and observed that there may be discrepancies in the reporting of my account status. 

MIDWEST LOAN SERVICES XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or MIDWEST LOAN SERVICES customer service representative. 

I would like to provide clarification regarding the status of my account during a specific period. Due to unforeseen financial challenges, I entered into a forbearance agreement with MIDWEST LOAN SERVICES to temporarily suspend payments on my account. I am pleased to inform you that MIDWEST LOAN SERVICES and I reached a mutual agreement during this forbearance period, wherein it was agreed that there would be no negative reporting to credit bureaus. 

I kindly request that you update my credit report to accurately reflect the agreed-upon terms during the forbearance period. There should be no indication of negative activity or any reporting that could adversely affect my credit score for that specific timeframe.

Enclosed with this letter, please find documentation from MIDWEST LOAN SERVICES confirming the forbearance agreement and the commitment not to report any negativity during this period.

I understand the importance of maintaining an accurate credit report, and I appreciate your prompt attention to this matter. Your cooperation in updating my credit report will ensure that my credit history accurately represents the terms agreed upon during the forbearance period. 

I kindly request that you notify me in writing once the necessary corrections have been made to my credit report. 

Thank you for your understanding and assistance in resolving this matter.
Product: Debt collection

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 
According to 15 U.S. Code 1681c-2, This is my statement that all of the listed accounts have been reported without my expressed, written consent and therefore is a results of identity theft and must be removed. These accounts are not related to any transactions made by me, the consumer. Please delete the items as soon as possible. 

Fraudulent Accounts : Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX  - When Account Was Open : XX/XX/year> Amount : XXXX Accoount XXXX Account Name : XXXX XXXX XXXX XXXX - When Account Was Open : XX/XX/year> Amount : XXXX Accoount XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously underwent a legal name change in XXXX and have had to dispute this several times for the last two years after finding out that my XXXX was still being used in some on-line platforms. I believe the issue has mostly been resolved with two of the credit bureaus. 
I noticed for the past year and a half that I was never able to get an on-line credit report from Equifax, and that my only way of getting it was to request it by mail. 
By chance, I remember having created an account on Equifax 's web site, so I went there to see if my credit reports were there. What I found was extremely surprising. Under the 'summary ' tab, my credit report shows as a 'clean record ', meaning that there are no credit accounts, lines of credit, loans, or even a credit score. And yet, when I went to dispute it by going to Equifax 's Dispute Centre, I saw all of my account activity there. 
To help in their investigation, I took several screenshots showing the problem. 
In XXXX of XXXX, I called Equifax and told them about the issue. I was placed on hold for an indeterminate amount of time, and then the call dropped. I wrote Equifax a letter a few days later and mailed it, but I never received a response. I am also including this letter, as well.
Product: Credit card

I applied bloomingdale credit card onXX/XX/2023 and planned to use this card to purchased a XXXX XXXX XXXX and a XXXX XXXX XXXX because it has 20 % off for new customer. The details are listed here.https : XXXXXXXX  When I tried to use the card to apply for the XXXX XXXX XXXX on XXXX XXXX, I didn't see the 20 % off applied in my shopping cart, so I called customer service, and purchased the carseat through customer service over the phone. And I was also told the 20 % off will be applied when it showed as my card transaction. I then purchased the XXXX XXXX the next day by myself online ( on XX/XX/2023 ). 

However, when the statement of the charged showed in my card, it doesn't have the 20 % off, even after couple of weeks, so I called customer service again, and I was told stroller and carseat are excluded from the 20 % off. I told them the exclusion was not listed in anywhere on their website, and I purchased the carseat through customer service over the phone, and clearly told the 20 % off will be applied in statement. However, I was told the same that stroller and carseat are excluded from the 20 % off, and they did admit that it was not clearly listed in their website, but they apologized that they could not do anything about it. 

I feel really unfair about it, so I tried to dispute the charges of the 20 % off, which is a total of XXXX $ through the bloomingdale credit card XXXX. However, I recently got the decision letter, and the dispute got rejected, because stroller and carseat are excluded from the offer... I feel the decision was strongly biased, because the letter was sent from bloomingdale billing department, and clearly, it is not the credit card bank ( which is XXXX XXXX ), but Bloomingdale who did the " investigation '' and rejected my dispute. So I would like to complain about this here, since this is totally unfair to me.
Product: Money transfer, virtual currency, or money service

After midnight On XXXX XXXX while I was sleeping a total of XXXX transactions were posted ti my cashapp account. The first XXXX attempts to withdraw my money failed. On the XXXX attempt my entire balance was instantly transferred to an unknown account. When I awoke and discovered my money was gone I immediately notified cash app of the unauthorized transa tions. They informed me they would investigate and resolve the matter. Several days later I was informed that my claim was being denied. They were supposed to send me documentation that they used to make their decision but only provided me with a letter showing that I had requested the funds be returned. They will not provide me with information on where the money was transferred to or whose account it ended up in although they maintain that they believe I initiated the transaction. I abided by the instructions provided in their terms of service and according to such terms should only be liable for the first {$50.00} lost if liable at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my TransUnion, XXXX credit report, and I noticed some late payments, Chargeoff posted on my credit report : XXXX XXXX  # XXXX XXXX XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Did I give you written instructions to furnish this on my credit report?