23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been battling with the 3 credit bureaus, XXXX, XXXX, and TransUnion since XX/XX/2023. They are reporting my accounts as late and that is incorrect. I have called them, disputed online, and sent in dispute letters, yet they fail to correct these errors on my credit report. I also contacted the creditor of the accounts to confirm their status and in fact they don't have any deliquencies on record so i dont understand why the Credit Bureaus continue to report me late on these accounts. To my knowledge these late payments are inaccurate and under 15 U.S Code 1666 ( b ) billing error, I have the right to request for removable of late payments! According to the Fair Credit Billing Act ( FCBA ), 15 U.S. Code 1666-1666j the creditor must provide me with PROOF that I was indeed late but they CANT!! This inaccurate reporting is hurting my financial well being and is totally unfair. I already have a hard time as an XXXX XXXX XXXX in this country having a bad credit report just makes things harder for me. And the information on my reports is wrong, this is clearly a billing error and a violation of the Fair Credit Billing Act ( FCBA ), 15 U.S. Code 1666-1666j. I beg please hold these credit bureaus accountable for their credit reporting practices.
Product: Credit reporting or other personal consumer reports

FILED SEVERAL DISPUTES MAKING EXPERIAN AWARE OF IDENTITY THEFT AND PROVIDING FTC IDENTITY THEFT REPORT, AND THEY EMAILED ME DENYING THE BLOCKING OF THE ACCOUNTS, STATING THAT I MISREPRESENTED MYSELF TO OBTAIN GOODS OR MONEY. ( EMAIL ATTACHED TO THIS COMPLAINT FORM ) I HAVE ALSO MAILED A COMPLETE STATEMENT, ALONG WITH DRIVERS LICENSE, SOCIAL SECURITY CARD, REQUEST FOR ITEMS BLOCKED DETAILING THE ITEMS TO BE BLOCKED THAT ARE FRAUDULENT, FTC IDENTITY THEFT REPORT. TRACKING NUMBER XXXX
Product: Checking or savings account

Dear Sir/Madam, This is XXXX. I am leaving at :.. 
I am writing to express my deep disappointment and outrage at the recent treatment I have received from Wells Fargo Bank. I believe that the bank has not only insulted and disrespected me but also individuals in similar circumstances, based on a recent communication that I understand was sent to Wells Fargo Bank regarding the XXXX Government 's sanctions on XXXX. 

It has come to my attention that Wells Fargo Bank 's policies regarding individuals who are ordinarily resident in XXXX have been applied in a discriminatory manner towards me. As a law-abiding citizen, I wish to clarify that my recent travel to XXXX was solely to visit my child and attend to urgent family matters related to my mother 's illness. I firmly believe that any compassionate individual in my position would have made the same decision. 

I am deeply troubled by the baseless allegations made against me by Wells Fargo Bank. I consider these accusations as a serious affront to my character and reputation. I hereby demand that Wells Fargo Bank provide me with concrete evidence to substantiate their claims and demonstrate how my actions have violated any American laws. 

Should Wells Fargo Bank fail to provide the necessary evidence and clarify the situation within a reasonable timeframe, I will have no choice but to pursue legal action against the bank for defamation and the damages caused by their unwarranted accusations. 

I trust that consumer federal protection bureau will conduct a thorough review of this matter and take appropriate steps to rectify this situation promptly. I hope for a swift resolution to this issue and an amicable resolution that upholds justice and fairness. 

Thank you for your attention to this urgent matter. 

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

My vehicle loan with XXXX XXXX XXXX was in default and the finance company took the steps to remedy this default by repossessing the vehicle. Once the vehicle was repossessed, I was sent a figure about what was owed to pay off the vehicle. 

Approximately a month later in XXXX of 2018 I received a check for approximately {$2100.00} dollars as surplus from the vehicle being sold and paid off and the amount of {$16000.00} was removed from my credit report for this debt. 
During my attempts to cash said checks, it was advised through my financial institution that a stop payment had been issued onto the check. I called to confirm what had happened and was advised that there was an error in sending the check and in fact the vehicle had been sold but due to an internal error the check shouldn't have been sent out. 

My credit score monitoring apps showed that my car had been paid off and the balance was no longer reporting on that debt. Then this week, after no calls, letters, or any indication, my credit scored dropped 30+ points right when i was working on a pre-approval letter for the purchase of a home. 

So now, I have a score that is vastly reduced, a debt that was satisfied through the sale of the repossessed vehicle, and a current derogatory payment on my credit file for something I had no idea existed. I would like the entire item post XX/XX/2018 removed from my consumer credit report due to numerous errors.
Product: Checking or savings account

Navy Federal Credit Union failed to provide me with a full ledger of all oops fees paid since opening my account. Not only has Navy Federal charged me oops fees when funds were available they have failed to reimburse me for their errors.
Product: Mortgage

I started a loan process with Caliber Homes the Loan officer was XXXX XXXX. The start of this loan was in XXXX, and he has delayed in correspondence as well as communication. I was due to close 5 different times, each time Mr. XXXX had a different answer. He also seems to be very Bias towards making the loan happen. He continuously sends me emails each time with the same questions. I have reported him to his company, he seems to be accusing me of not be a hard-working XXXX XXXX woman. He seems to not believe that someone can actually get up and go to work each day not working one, not two but three jobs. He has accused me of acquiring funds in an unlawful manner. He has not been honest with me, and I am about to loose the sale of this home as the seller has waited 4 months for Mr. XXXX who appears to be giving us the runaround. He has shown no discretion in my loan. He has contacted every employer at my firm as if I was lying about my employment and my income. I have been more than fourth coming with all of my finances and still, he seems to be showing me a lot of XXXX. I have written formal letters and still, he finds a reason why I shouldn't be a homeowner. I am so upset at this point and would like to take legal action.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX CARD Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries XXXX  XXXX XXXX XXXX OF XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

15USC 1681a ( d ) ( 2 ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX XXXX XXXX is reporting this information to Experian, XXXX and XXXX. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE DISPUTED ACCOUNTS LISTED DOES NOT BELONG TO ME, I AM NOT LIABLE TO THIS ACCOUNT AND IT HAS BEEN REPORTING INACCURATELY ON MY CREDIT FILE AND I AM UPSET THAT THIS ACCOUNT IS ON MY REPORT. PLEASE REINVESTIGATE AND HAVE IT REMOVE. ATTACHED IS MY DISPUTED LETTER.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. 

The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. 

These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 

Disputed accounts : 1. ) XXXX XXXX - account number XXXX 2. ) XXXX XXXX - account number - XXXX 3. ) XXXX XX/XX/XXXXXXXX XXXX - account number - XXXX 4. )XX/XX/XXXX- account number - XXXX
Product: Mortgage

I attempted to pay my standard mortgage payment through the online portal of their website. I initially made this payment on XXXX XXXX for the month of XX/XX/year>. I received the notice that I was past due and reached out to Mr. Cooper in order to figure out what was going on. After talking with the customer service representative, I was told that for some reason the payment was around six dollars short. After asking her if that would fix the issue, she said that it would resolve the problem. After this, I am now being told on the online portal that I have not made XXXX payment. I have made my payments on time up to this point for the short time that Ive been with this company. My loan was recently sold from XXXXXXXX XXXX, so there was a transition. But all payments were made on time. I have tried phone calls as well as the chat service on their website, their phone service told me to submit the documents proving that I have made my payment. While talking to the customer service representative over the phone, he stated that there was a reversal and that the money should have gone back into my account. When I asked for information on what account that may have been deposited to, the representative refused and simply told me to forward my bank statement. I submitted that information as requested and was told that I would receive an answer back in around seven business days, the issue is that I will be assessed a late fee by the time they are able to conduct their investigation and send me a letter. I spoke to an agent over their chat function on their website who continued to tell me that the money was simply reversed and would be coming back into my account. It has been almost a week and I have yet to see any money sent back to my account. I then called the customer service line on Thursday XX/XX/XXXX and was again told that there was a rehearsal, and there was nothing they would be able to do. Im getting increasingly nervous and agitated as when I asked if the late fee could be waived given the circumstances, they were KG and did not give a straight answer. I asked them to note on my account as the customer service person asked if I had enough money to just make another payment while they investigated. I told them I did not feel comfortable, making another payment until they were able to tell me where my money was going, and that this needed to be resolved before I continued to pay. At this point, I feel uncomfortable, giving them any more money because they have been unable to show me where this money has been going.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove these Fraudulent accounts from my credit report, it's not mine I'

m not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. See the documents attached.
Product: Checking or savings account

On XX/XX/2023, I was discharged after receiving hospital care at XXXX XXXX XXXX in XXXX, XXXX XXXX. As I was checking out, I had to pay my hospital bill, as well as my hospital cafe bill. These were done in two separate transactions. When it came time to pay the food bill, the total amount was XXXX XXXX XXXX ( about XXXX USD ). The hospital instead charged me in USD, charging nearly {$5000.00} in excess of the amount that I was supposed to be charged to my debit card. 

The hospital soon realized the mistake and promised to fix it. I also submitted a claim with my bank, M & T bank, about the fraudulent charge. I submitted the receipt, as well as emails and texts with the doctor in which he acknowledged the problem, and promised to help fix it. Ultimately, M & T bank denied my claim, as they said the hospital was telling them the charge was not fraudulent. This was in direct opposition to what I was told. The food bill for a hospital stay in XXXX being XXXX USD is not a possibility. Menu is attached to show the cost of food items- over a four day hospital stay I had accrued a bill of XXXXXXXX XXXX XXXX, but doing the same in USd would've taken months, as all food options were very inexpensive. 

Despite saying they would help me, XXXX XXXX hospital has kept my nearly XXXX USD, claiming it is not a fraudulent charge. They have committed fraud against me and robbed me of a massive amount of money, and my bank is being no help in recovering the funds. 

M & T is claiming the XXXX USD charge was to pay my hospital bill. This is false, as you will see in my submitted evidence that I paid my hospital bill ( XXXX USD plus 3.5 % credit card fee ). I am also submitting credit card bill to show I paid the hospital medical bill on my credit card, and the debit charge was separate, and fraudulent. 

You will see in attached bill I paid my XXXX USD hospital bill ( XXXX + credit card processing fee ) on XX/XX/2023 via credit card at XXXX XXXX  local time. The fraudulent charge of XXXX occurred later, at XXXX ( XXXX XXXX  ). This was outside of hospital financial office operating hours, so it does not even make sense that this charge could've been for my hospital bill. 

See attached documents for these two separate charges to see why one was for the hospital bill, and the other a fraudulent charge at a not agreed upon amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I apply a Bank of America Credit Card. ( reference number : XXXX ) On XX/XX/2021, Bank of America pulls my XXXX  credit report ( hard inquiries ) required to establish a credit decision. On XX/XX/2021, I received a letter from the credit card institution requesting more information to finalize the credit card application. On XX/XX/2021, I sent the requested information back with certified mail. 
( USPS : XXXX ). On XX/XX/2021, they received the documents : please see attached documents, but fail to process the application immediately ; however, I provide the documents in less than thirty days as requested in the letter. On XX/XX/2021, I received a credit bureau ( XXXX ) alert related to Bank of America Hard Inquiries related to the same application. I believe the second hard inquiry violating the Federal Law for the following reasons. The first inquiries an authorized on XX/XX/2021. The second inquiry, I do not allow for the same application. The bank internally makes second inquiries ; they received all the documents less than thirty-day ( See mail obtained time stamps and USPS evidence ) however fail to process the application as required by federal law.
Product: Credit card or prepaid card

I have a Chase Amazon credit card. On XX/XX/XXXX a merchant placed a charge on my account for an off-road vehicle rental reservation for {$420.00}. A few days later, I requested a cancellation and the merchant refunded the same amount to the credit card on XX/XX/XXXX. On XX/XX/XXXX a charge was placed for the rental of a XXXX in the amount of {$500.00}. On XX/XX/XXXX the merchant refunded {$150.00} which was a contingency deposit that had been included in the {$500.00} charge. Chase seems to have applied the refunds to equal pay promotions in my account that were not due until several moths lates. The payments on the equal pay promotions were up-to-date. The refunds should have been applied to the statement balance, since my balance now shows the full amount of the transactions as due for payment. 
In addition, Chase created an equal pay promotion for an item that is being included in the statement for full payment. It includes a item that was returned. 
I first contacted Chase on XX/XX/XXXX and opened a case with a supervisor. Since then, I contacted Amazon and Chase on several occasions. A letter arrived in the mail on XX/XX/XXXX stating that Case did not make an error and cites guidelines they follow when additional payments are made to the account. Since these were refunds and not additional payments, they were incorrectly applied to promotional offers, in violation of a finance agreement I had with Amazon and Chase. The equal pay promotion that was incorrectly created has not been addressed. 
Amazon was contacted yesterday. They claim it was Chase who is responsible for both issues. A complaint ( negative feedback ) was created with Amazon. I have all documentation in my possession and available if necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$3800.00} XXXX. XXXX XXXX XXXX XXXXXXXX XXXX {$3400.00} {$3.00}. XXXX XXXX XXXX XXXX XXXX {$1100.00} {$4.00}. XXXX XXXX : {$5900.00} 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX  and EQUIFAX, are reporting an account on my credit report wrong, the name of the creditor is inaccurate, the account was sold to a different company, XXXX  is reporting the account as XXXX/XXXX  XXXX, XXXX  is reporting the account as XXXX XXXX  XXXX XXXX/ XXXX   XXXX and EQUIFAX is reporting the account as XXXX  XXXX XXXX XXXX. Please delete the account as it is affecting my credit worthiness, the FCRA says that by federal law everything on my credit report needs to be 100 % accurate.
Product: Student loan

The problem is with Navient and trying to get my mother released as the cosigner. I faxed the need information per their website on XXXX-17. After 30 days and no response from Navient I called and was instructed to again send copies of my pay-stubs which I did on XXXX-17. Today I called after no response from them and was told they never received them and that I needed to re-fax more pay-stubs and that it would take another 30 days. It is important that my mother be released as cosigner and I feel that Navient is stalling this effort.
Product: Mortgage

My home mortgage was with XXXX XXXX. XXXX sold it to Nationstar/Mr Cooper ( XXXX XXXX XXXX XXXX, XXXX, TX, XXXX ) and starting XX/XX/XXXX ( Ref. loan # XXXX ), I have been paying Nationstar. So far I have not missed a singly monthly mortgage payment of {$1800.00} since I owned my home in XX/XX/XXXX. 

I got into financial difficulties and found it difficult to pay the county tax in XX/XX/XXXX and I contacted the county office. Their advice to me was that, the county does not take action unless I fail to pay for 5 years and I should be more concerned about paying my mortgage payments regularly. I did not pay county tax due XX/XX/XXXX and XX/XX/XXXX.. 

For reasons not made clear to me, Nationstar decided to pay the county dues of XXXX and to that added my next year dues and mailed me a monthly payment requirement of {$5200.00} starting XX/XX/XXXX. 

I contacted my lawyer for help and he advised that the dues to the county are far too small to justify legal counsel and I am better off trying to clear the payment to the county. 

I paid Nationstar my monthly dues and {$1800.00} in XX/XX/XXXX and XX/XX/XXXX on time. Instead of applying it towards mortgage payment, they placed the payments in an unapplied funds account. 

I had applied for a loan adjustment. 

I tried calling them repeatedly and send them emails listing my intent not to proceed with the loan modification and that I will pay the {$10000.00} to Nationstar and future property tax due to the county directly. 

I paid Nationstar {$10000.00} on the XX/XX/XXXX followed by an email and voicemail detailing on how I expect the payments to be applied. 

Today when I logged on to their website, I see that they have applied all my payments towards 2 monthly payments of {$5200.00} ( for XX/XX/XXXX and XX/XX/XXXX ) and the rest {$3500.00} as Additional Principal. 

How can a person with financial trouble make additional principal payments. The behavior of Nationstar/Mr. Cooper appears to be predatory and deliberate to force me and my family to be rendered homeless. I suspect the reason for this is due to the fact that my home equity is more than double the loan amount owed. Please help me resolve the issue.