23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

To Whom It May Concern, Five months ago I made an application for a mortgage with a broker. Now broker is trying to make me pay more than I declared and I have on closing.

1 ) Even though I do not have sufficient funds in my bank account for down payment, ( My documents sum up to {$170.00} at the bank ) the broker managed to get an approval which I won't be able to pay for closing. ( {$190.00} is required ) Under normal conditions the loan should be declined due to insufficient funds.

2 ) On the loan pre approval process, broker did not request any documents except an " Employment Information '' ( Attached ) 3 ) Broker did not asked for my expenses so loan monthly payments were shaped based on my gross salary which I won't be able to pay if my net salary is taken into account. 

The house is intended to be bought is on construction and the construction company does not consider it even if this mortgage is approved based on wrong financial information. 
Construction company and lender is expecting me to pay the down payment which I never declared and does not exist. 
Also, I did not sign the mortgage documents and lender is threatening me to loose the deposit that was given to construction company. 

Thank you for your support.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, Wells Fargo emailed me saying there were fraudulent charges on my credit card. I called them that day and had a very confusing hour-long call with a representative from their credit card services department. She accidentally closed my entire credit card account and reopened it the next day, XX/XX/XXXX. I received a letter from Wells Fargo about my account closing the same day I received a new credit card in the mail and a notice to pay my balance for the month. A week later around XX/XX/XXXX, I checked my credit score with XXXX  and XXXX, and my credit card history is completely missing from my credit score. 

I am in the middle of trying to buy a home and getting a mortgage, and the adverse affect this is having on my credit score is delaying and potentially derailing the entire process. I have filed a dispute and a complaint with Wells Fargo, but they are unresponsive and unable to give me any answer or next steps as to what I should do. I have contacted XXXX, specifically, and they told me that it is Wells Fargo 's responsibility to report my credit card information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent & adress fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) & Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

We initiated a transaction on {$160.00} from our XXXX account on XX/XX/XXXX to pay our Target credit card bill. XXXX shows our account being charged {$160.00} on XX/XX/XXXX. Target originally told me on the phone that the payment was not received until XX/XX/XXXX ( 13 days after initiation ) and as a result charged us a {$30.00} late fee and {$5.00} interest fee. Subsequently, and as written on the statement, Target told me that it was received XX/XX/XXXX, which was nonetheless after the original XX/XX/XXXX due date. 

We contacted Target who agreed to waive the {$30.00} late fee but they then escalated us to a manager before finally agreeing to refund the {$5.00} of interest. XXXX informs me that Target does not accept electronic payments, so a paper check is the only way their bill pay will work. XXXX says this bill pay takes 5 business days, while electronic would have cleared in just 1-2 days. 

XXXX customer service told me that the check was cashed by Target on XX/XX/XXXX. Someone is apparently lying here. Neither XXXX nor Target is interested in investigating this discrepancy. 

I am frustrated with XXXX who charged me fees for a digital payment supposedly being just a day or two late while refusing to accept digital bill pay. While they did eventually agree to waive the {$30.00} late fee and {$5.00} interest fee, I accrued another {$7.00} of interest in the next month due to the confusion, which they have refused to waive. Target tried to get me to set up autopay with them in order to resolve this type of issue going forward, but it seems unreasonable that a consumer can't rely on a big-4 bank to make electronic payments that clear within 13 calendar days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I was going through a hardship the majority of 2024. I needed my payments to be moved to around my payment date to keep from being late and to prevent fees being assessed each month. Representative told me that they couldnt accommodate my request so therefore Im assessed each month.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : Chapter XXXX Bankruptcy Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Checking or savings account

{$4.00} was not provided to my account after a shipment was never sent to me. 

{$12.00} was charged to my account against the timely ATM record. 

The Bill Payment service provided a confirmation of my timely payment XX/XX/2022. I should not have fees charged against me for a timely payment because I used a bill payment service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to XXXX  regarding an inaccuracy on my credit report from XXXX XXXX XXXX  XXXX in the amount of {$6200.00} and informed then that this is not my account, please removed from my credit file. They have not responded to my letter or demand to comply letter and they have continued to damage my credit. I need this removed from my credit report ASAP! They keep putting the same delinquent account on my credit report every month bring it down each month. I need this removed immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting inaccurate and unverified information from XXXX XXXX XXXX, who has never send me my written contract bearing my signature, in addition, have placed numerous lates on my consumer file even through i was in forbearance and deferment. Currently, I have a submitted a borrower 's defense case against them, I attended XXXX XXXX. It has been over XXXX months dealing with XXXX XXXX XXXX XXXX deleted this account because it could not be verified. XXXX XXXX XXXX took off this account off my credit report and illegally put it back on!!! 
XXXX XXXX has said it will remove my account due to identity theft which was file with the ftc, case number XXXX. Il dept of hc and family service has not verified in writing. Portfolio Recovery which is reporting XXXX XXXX which is including in my ftc identity report file case number XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I went into my portal to pay my Capital One bill which at the time showed on the balance due screen a balance due of {$550.00}. I initiated that payment assuming that my bill was taken care of, however unbeknownst to me in XXXX I received an update from my credit reporting app that I had received a 30 day late payment from Capital One. After calling into Capital One to get clarification on why this payment was reporting 30 days late, I was told that the payment should have been {$550.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXXXXXX XXXX XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX, Account : XXXX XXXX, XXXX has violated my rights. 
15 U.S.C 1681 Section 602 A, States I have the right to privacy.

15 U.S.C 1681 Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.
Product: Mortgage

Ditech representing XXXX threaten foreclosure on my home even though I 've made timely payment ever since I signed the Green Tree paperwork back in 2014. I do not answer Ditech telephone calls. I will not answer harassing/threatening phone calls from argumentative Ditech employees that have been trained to harass customers. I will attach Ditech correspondence and my response at your appropriate prompt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint to request the removal of a negative account that Wells Fargo is reporting on my XXXX, XXXX, and XXXX credit report. The account number reported on my credit report is XXXX. I called Wells Fargo on XX/XX/XXXX, to discuss this account. I was told by the customer service representative that I could settle the account for {$200.00}. I asked him if the account would then be reflected as paid, and all negative entries would be removed from my credit report. He said not unless I paid the balance in full. I told him it was critically important that all negative information be removed from my credit report, and I agreed to pay the full balance of {$400.00}. I have attached a copy of the receipt from my bank to this letter. It has now been over one year since my payment, and Wells Fargo is still reporting negative information on my credit report. This account was first reported to the credit bureau on XX/XX/XXXX. I have sent letters to Wells Fargo on XX/XX/XXXX and XX/XX/XXXX and received no response or resolution. I am requesting that Wells Fargo delete this account from my XXXX, XXXX, and XXXX  credit reports immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX
Product: Mortgage

To Whom This May Concern : on XXXX XXXX I asked my mortgage company '' could i get an extension on my mortgage payment, because i was laid off due to the convid-19 virus. And I wanted to make sure that I wouldn't get reported to the credit bureau as a thirty day late payment. I was told that " all thirty day late payments are reported to the credit bureau and their 're no exception! At this time i have no income and not sure when i will be returning back to work, so I'm concern about my loosing my home, as well as " bad credit rating!.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act ( Account, XXXX  XXXX Account # XXXX ), has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, and XXXX have violated my rights XXXX 

15 U.S.C. 1681 Section 602 A States I have the right to privacy. 

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me. 
STUDENT LOAN CREDITORS : XXXX ACCOUNT NUMBER : XXXX ACCOUNT NUMBER : XXXX ACCOUNT NUMBER : XXXX Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX
Product: Credit card

Company has been charging more than allowed by law for fees and in accordance to their terms. Also did not apoly payments to balances accurately in accordance to credit card reform act. They applied to benefit the issuer without making me aware of how the funds were being distributed after I requested the info. This has been happening since I opened the card in 2013. Have contacted them on several occasions and get nothing fixed
Product: Checking or savings account

NAVY FEDERAL CREDIT UNION CHARGED ME HUNDREDS XXXX DOLLARS IN OVERDRAFT FEE AND RETURNED CHECK FEES WHEN I HAD FUND READILY AVAILABLE AT THE TIME OF PAYMENT.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX  XXXX Balance {$920.00}, XXXX XXXX Balance {$1400.00}, XXXX XXXX XXXX XXXX XXXX Balance {$1800.00}, XXXX XXXX  XXXX Balance {$0.00} XXXX XXXXXXXX Balance {$0.00}
Product: Credit card

hello we have a card with company we where never late XX/XX/XXXX we had an emergency my father passed away and i had to leave out of the country but calle this company and informed them but they still charged me the late fees and reported me as past due to credit agency
Product: Credit reporting or other personal consumer reports

please be advised this is the third written request and final warning that I fully intend to pursue litigation in accordance with the fcra to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under section 616 and section 617 regarding your continued willful negligent noncompliance. Despite two written requests, the unverified items listed below still remain on my credit report in violation of federal law. You are required under the fcra to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly but have not provided a reasonable method of verification? I m requesting for the third time that you provide the method of verification you used. Your response should provide. The name of the individual business, address, and telephone number of the person or business contacted during your investigation. The name of the person who verified the dispute with the original creator. The documentation that used to verify dispute. To date, you have not provided me with a copy of any documentation ( hard evidence that goes all the way to the original creditor, not verification from a third party database ) furthermore, you have failed to provide the method of verification as required under section 611 ( a ) ( 7 ). In fact, under section 611 ( a ) ( 7 ) you required to provide a description of the reinvestigation procedure by no later than 15 days that included information as described in section 611 ( a ) ( 6 ) ( b ) ( iii ). please be advised that under section 611 ( 5 ) ( a ) of the fcra you are required to promptly delete all information which caint be verified. The law is very clear as to the civil liability and the remedy available to the ( section 616 & 617 ) if you fail to comply with federal law. I am a litigious consumer and fully intend in this matter to enforce my rights under the fcra. I demand the following accounts be verified or deleted immediately. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and all hard inquiries.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX