23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I moved from my old home ( XXXX XXXX XXXX XXXX ) to my new one. I kept the old house as a rental, and I forgot to update the address with my loan servicer initially. 

I tried to set up autopay from my business account, and received a notification that it was successful. I then received letters telling me that auto pay had been set up ; then that it had been cancelled. I set it up again and got another letter telling me that it had been set up successfully, and I no longer thought about it. 

Over the course of the next couple months I received some- but not all- of the notices sent to me, often at the same time. 

Basically, they had cancelled and re-set-up automatic payments multiple times and sent me multiple letters telling me I both had been approved and had not been approved. They also sent me a letter ( which I did not receive until later ) saying I'd missed a payment. 

I learned I was behind on payments when my credit report was updated- I got ahold of the letters from my property manager later. 


UWM made no attempt to call me, or email me, or contact me in any other way. I understand that I made a mistake by forgetting to update my address with them, but I immediately paid all the payments and all the late fees and wrestled with their customer service to get ACH set up right ( again ). 

They refuse to take this- my only late payment for anything, ever- off of my credit report. Even though it only happened because I *THOUGHT* I was set up on auto pay- because they sent me a letter telling me that I was. 

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, letters were sent to me confirming I had ACH set up. 

I will attach some of the letters here. I thought that, due to their earlier letters I received, that my auto pay was set up from my business account.
Product: Credit reporting or other personal consumer reports

I have submitted numerous disputes to Transunion regarding ( 2 ) fraudulent hard inquiries on my credit report. Transunion has yet to resolve my disputes. I have submitted CFPB reports from the same previous dispute. Transunion customer reps were very unprofessional, hanging up on many times. I would continue to call hoping to resolve my disputes. But it has been hope for resolution. The two hard inquiries are XXXX XXXX XXXX dates XX/XX/2024, XXXX dates XX/XX/2024. 

My dispute with Transunion dates back to XX/XX/2024 on these same 2 fraudulent inquiries I continue to dispute. Im hoping CFPB can help me resolved this rather quickly as I waited for moth than 3 months on responses and resolution. Transunion has my personal state issue drivers license just in the wind and claiming they dont have it. I have confirmed with the USPS through certified mail Transunion has the documents from FTC/CFPB on this matter. And have failed to help me as a consumer disputing within in my rights fraudulent inquiries on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of fraudulent accounts from my credit report due to unauthorized activity stemming from a data breach. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and 605 ( b ), I am entitled to request the removal of these accounts from my credit file. 
Accounts to Block and Delete : XXXX. XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX - Account Number : XXXX - XXXX : XX/XX/XXXX - Balance : {$1100.00} XXXX. XXXX  XXXX  XXXX  - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$40.00} XXXX. XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$790.00} XXXX. XXXX XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$1100.00} XXXX. XXXX XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$870.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting incorrectly that I am ( 30 ) days late on the XXXX/XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid and closed and should be reporting a {$0.00} balance. This incorrect reporting of lates is harming my credit score and this line item needs to be reporting accurately. I have contacted the bureau to fix this however, I have not been successful.
Product: Vehicle loan or lease

In XX/XX/XXXX, my car was Voluntray repossessed due to the car being a lemon after the engine had gone out and bridge crest failed to fix the problem. Before the incident, i had put towards the vehicle {$12000.00} over time making my car payments that were due monthly, none of my payments went towards the principal of the loan and no one can explain to me where the money was after speaking with numerous of people. In XX/XX/XXXX, i have talked to reps to get an outstanding balance resolved to do a settlement they offered {$4000.00} within in 30 days which is completely insane. I spoke with my lender whom stated that bridgecrest is still reporting the vehicle was repossessed as of XX/XX/XXXX. I spoke with XXXX, who stated that the account is charged off but that is not what is showing on my credit report, it currently showing repossession. They failed to resolved the issue and explain to me where {$12000.00} went to of my money
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion lists the Chapter XXXX Bankruptcy status on my report as 'Filed ' and states that it will remain on my report until XX/XX/XXXX. 

First of all, since the bankruptcy was filed in XX/XX/XXXX it can only remain on my report until XX/XX/XXXX. TransUnion plans to keep it on my file an additional three years, which is in violation of FCRA. 

But more important is that my bankruptcy status is DISCHARGED as of XX/XX/XXXX. Showing the status as only FILED implies that I am still under bankruptcy and is currently harming my ability to apply for new credit. 

I have disputed this item twice with TransUnion and both times their results have simply been 'Verified as accurate. ' My attached discharge notice clearly disproves this.
Product: Student loan

I went to XXXX XXXX XXXX from XXXX. My loans were with Navient federal loans. I did not complete my degree. I had XXXX credits. I stopped going due to trying to change XXXX XXXX  and my credits were not transferring. In late XXXX, my student loanscwere discharged with the 100 % XXXX XXXXXXXX veteran XXXX. In early XXXX the Borrowers Defense discharge was started for students that went to XXXX and the fact that XXXX closed. They received refunds on payments made towards their loans. I did not receive any refunds due to my loans being discharged with another program. But I in fact, qualify for a refund based on the requirements. Navient sold my loans to XXXX XXXX since then. So when I tried to get a refund through Navient, they state they did not have my account on the time of my loan discharge. I paid over XXXX my loan payments.
Product: Checking or savings account

I opened a checking & saving account on XX/XX/2018 and funded my account with $ XXXX on XX/XX/2018 so that I will receive {$400.00} cash bonus as their promotion stated. By end of XXXX, I haven't received my credit. I have tried calling and visiting branch, and they have changed the date that I would receive my credit. They initially promised that i would get it in mid XXXX, then early XXXX and then End XXXX, as time went by. The last time I went to the branch on XX/XX/XXXX, I was told I will get it in end of XXXX On the fine print, it clearly states the cash bonus will be credited to the new checking account within 90 days from the date i complete all offer requirement. I completed the requirement on XX/XX/XXXX and I should receive by XX/XX/XXXX. Today is XX/XX/XXXX and I haven't heard back from them after submitting a complaint nor receiving the cash bonus. 

Attached is the my bank statement showing that i have funded $ XXXX, their promotion material, fine print and new account opening doc.
Product: Credit reporting

I have a satisfied judgement showing on my report from Equifax. It was included in a bankruptcy filing and has been satisfied. XXXX and XXXX have already removed the judgement from my credit reports but Equifax continues to report it. I respectfully request it be removed from my Equifax report as it has been satisfied due to being included in bankruptcy.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 
This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 
15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and found the following items to be " INACCURATE '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  VERIFY ACCURACY WITH ORIGINAL CREDITOR By the provisions of the Fair Credit Reporting Act, I demand that these 'ALLEGED '' items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 {$1100.00} ; XXXX XXXX XXXX  : {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2900.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$900.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account 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
Product: Credit reporting

I have sent this information to Trans Union I have asked them to update there files according to the document however it is still reporting on my credit file. I do n't want a dispute opened I just want the account removed please
Product: Credit reporting, credit repair services, or other personal consumer reports

Resurgent Capital Services/ LVNV Funding LLChave expired/do not possess a valid license for Debt collections in the state of TN.
Product: Mortgage

I been dealing with this company for a year i been paying my mortgage I was behind but making all payments that I can but 7 months ago the lender who took over my loan a year ago decided to make it very difficult for me to get back on track they refused to work with me for a payment plan they keep telling me to wait until next month to figure out numbers witch adds another monthly payment and fees I ask for reinstatement letters and they never give me it when they finally make me a offer then two weeks later the cancel it and ask for large down payment down and three weeks after they want the first month payment they will not extend it pass 90 days then after I saved for 5 months and agreeing to there terms a week later I found out that they went to the court and filed foreclosure papers while talking to me and making arrangements to pay witch added another XXXX because of court fees I feel Im being extorted and they are doing everything not to take any payments I sent multiple checks and wired money and all was returned please help the company is SN servicing servicing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I was sick and missed my payment by one day. I called Citibank on XX/XX/18 and was told there would be no late fee or interest. Payment made in full on XX/XX/18. Payment was due on XX/XX/18. Today I learned Citibank charged me interest of {$19.00} and late fee of {$25.00} which posted on XX/XX/18. Today I asked Citibank to listen to the call as their rep told me no fees. They agreed to waive the interest fee not the late fee.i am requesting the {$25.00} fee as well as I was told no fees. Now they told me they will listen to the call I had w their rep on XX/XX/15-18 and I would have to call back. Been a customer for years and pay my bill each month in full. Sometimes we forget things. My son is a XXXX XXXX for six years and now u am sick. My time is valuable and I spent over one hour on the phone today and now I have to file a complaint. I feel Citibank is protecting their employee who gave incorrect info. Another rep today told me they have no recording but the second rep said he did listen to call and then said he has to listen to call. They appear to be sneaky and dishonest. This is not an ethical way to treat a customer.
Product: Checking or savings account

On XX/XX/2023 I withdrew a {$5000.00} check from my Federal Credit Union and personally deposited it into my KeyBank checking account at the KeyBank XXXX, New York branch at XXXX am. I received a deposit slip ( XX/XX/2023 - XXXXXXXX XXXX  - CC # XXXX - Teller : XXXX - XXXX # XXXX ) showing that I had an available balance of {$9700.00}. I already had {$4700.00} in my account + {$5000.00} = {$9700.00}. 

At XXXX XXXX I received an email from KeyBank saying that a hold was being placed on my deposit due to " reasonable cause to doubt collectability '' ( from a FEDERAL CREDIT UNION ). 

Unbeknownst to me, not only did the XXXX branch place a hold of {$5000.00} but the " back office, '' so it was explained to me in my fifth call to KeyBank, also placed an additional hold of {$5000.00}, thus placing a {$10000.00} hold on my account and depriving me of access to the {$4700.00} that was there to begin with. 

I tried to correct this bank error on XX/XX/2023 and received helpful assistance from a XXXX branch Personal Banker named XXXX, who tried to get the hold lifted. I also called the credit union and that employee also spoke with XXXX. 

On XX/XX/2023, I looked at my bank statement online and found that I was being charged a {$20.00} overdraft fee for payment of a {$30.00} check. I called the branch office and was rudely attended by the woman who answered the telephone, who eventually forwarded my concern to the branch manager, XXXX XXXX. XXXX XXXX explained that the overdraft fee was due to insufficient funds in my account, but finally agreed to waive the {$20.00} overdraft fee. 

Then, I received another email from KeyBank telling me that my account had insufficient funds. When I again called the KeyBank XXXX number, I was able to talk with a woman named XXXX who discovered that not only had the branch placed a {$5000.00} hold on my account but that the " back office '' had placed an additional {$5000.00} hold on my account, depriving me of access to the {$4700.00} that was in my account to begin with and making it look like I was overdrawn. 

This was TERRIBLE, TERRIBLE, TERRIBLE SERVICE from KeyBank!!!
Product: Debt collection

Dear XXXX XXXX : I received a letter from your office dated XX/XX/2021. Your company claims to represent the OAG regarding a purported debt I owe. This not only a false claim, but possibly represents a fraudulent matter on your personal behalf and your company. Please remove this claim immediately before I take swift legal action. I have already put the OAG on notice of my intentions ( in red ) : Dear Attorney XXXX : I received a collection notice from Revenue Group for {$6800.00}. The claim is that there are three account numbers with charges : Account Balance XXXX {$4200.00} XXXX {$310.00} XXXX {$2200.00} Naturally this supposed " collection agency '' has provide no back-up for these claims. Therefore, I believe this to be a claim and wish to report this probable illegal activity to your office for an investigation. Furthermore, I XXXX take additional legal action on the grounds of harassment. 

Thank you, XXXX XXXX Thank you for your consideration in this matter. 

Yours Truly, XXXX XXXX
Product: Checking or savings account

I am filing this complaint against Wells Fargo for their prolonged and unjustified hold on {$120000.00} in funds from my business account, which lasted over six months and resulted in severe financial losses. Despite multiple attempts to resolve this matter, Wells Fargo failed to comply with federal regulations, including the Expedited Funds Availability Act ( EFAA ) and Regulation CC, which establish clear timelines and guidelines for funds availability and fraud investigations. 

Key Issues : 1.Excessive Delay in Investigation : Wells Fargos investigation far exceeded the 45-90 day timeframe allowed under Regulation CC for resolving fraud-related holds.

No provisional credit was provided, as requir
ed by federal law, and the bank continued requesting extensions without justification.

2.Failure to Provide Timely Updates or Compliance Explanations : The bank did not adequately communicate the legal basis for the extended hold or provide timely updates regarding the investigations progress.

3.Funds Moved to Unclaimed Properties Without Notice : Wells Fargo transferred the funds to Unclaimed Properties without proper notification or justification, further delaying access to my money.

4.Financial Harm to My Business : The six-month hold caused severe financial losses, resulting in business closure and damages totaling {$210000.00}, as supported by my Profit & Loss statement.

The {$3600.00} compensation offered by Wells Fargo is inadequate and fails to address the full extent of the harm caused.

Attempts to Resolve the Issue : I made repeated efforts to resolve the matter directly with Wells Fargo, including detailed follow-ups and requests for a fair settlement. In response, Wells Fargo refused additional compensation, citing compliance with its internal policies, while failing to recognize violations of federal regulations and the substantial damages caused by their actions.
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 investigation of disputed information on my edit report, leaving inaccurate or verifiable accounts unresolved. The onsumer Financial Protection Bureau : FPB ) has recently filed a lawsuit against xperian, 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.
Product: Student loan

In 1999, we consolidated several student loans with Navient. The TOTAL principal was {$70000.00}. In our application, we applied for a " level payment plan '' and the disclosure statement promised : {$70000.00} in principal to be repaid, and {$50000.00} in interest payments, for a total repayment of {$120000.00}. The term was 180 months or 15 years. All of those documents are attached. Now, we are more than 18 years later and we have paid {$100000.00} in interest ( more than TWICE the disclosure form ) and STILL have a principal balance of {$61000.00}. Meaning, in 18+ years, we have paid {$100000.00} and only reduced the principal by {$9000.00}. As opposed to 15 years total, and {$50000.00} in interest. Navient claims that we entered into a " voluntary forbearance program '' for 24 months and a " graduated repayment plan '' for 6 years. Yet, they did not provide a single document that shows we entered into either program AND THEY DID NOT PROVIDE any disclosures from Navient that updates the disclosures required by law. indeed, the programs they describe STILL do not permit a 19 year plan in which we pay double interest with only a {$9000.00} reduction in principal. If Navient is to be believed, we will be paying off this loan for 200 more years. importantly, while we did sign a promissory note, NOTHING in any disclosures, contracts, applications or agreements from Navient describe a 200 year ( or even a 19 year ) repayment plan, with {$100000.00} in interest against a {$9000.00} principal reduction. I am giving Navient one last chance to resolve this with a substantial principal reduction ( of at least 50 % ) or we will be filing a class action lawsuit. I truly hope this wont be necessary.