23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

There are XXXX accounts that I disputed with Equifax XXXX and XXXX Credit reporting agencies.. The first was a tax lien that is incorrect. I submitted the paper work that proves that the tax lien was based on an improper XXXX filed by a former employer. The former employer corrected the XXXX and that should have erased the tax debt. Attached is a letter I submitted to the IRS that explains what and why they corrected my file. Also attached is the corrected IRS transcript and the correct XXXX. Equifax XXXX and XXXX stated that they investigated this lien and concluded that it was correct. But they did not provide me with who they contacted or any other information that they gathered or obtained to come to their conclusions. Per the Fair credit Reporting Act they are responsible to provide me with this information. The other XXXX accounts Were hospital collections. I contacted the collection agency and they informed me that the debts were paid. Equifax XXXX and XXXX neither provided me with who they contacted to investigate these accounts or their phone numbers and conversations. It is my belief that they are reporting false information of these XXXX accounts that are affecting me directly. I need someone to help me to resolve this since Equifax XXXX and XXXX has failed to cooperate with me. Thank you.
Product: Mortgage

after refiancing my home to purchase the land. i got XXXX to help. they drung me along for months as i was ready to file bankrupcie, they come up with the plan that if i had more money inthe bank, the company would finance me. i did't have any! so they gave me a XXXX check to deposit in my account. then walked out front door of bank and i had to write them a XXXX check back.?? anyway i got the loan. later learned they where run out of town lost there licence. and later the attorney was arrested that handled it all. mean while not to my knowing my loan was sold, and sold, and sold and sold, and witha payment now that when up to over XXXXdollars. i have XXXX a month coming in. tryed every thing i know, hamp, harp, and on and on. now as a XXXX year old that has been on this property for over 20 years there fourcloseing. i am a XXXX vet, my wife has XXXX, and we still have a adopted XXXX year old XXXX son living with us. and now have appox 30 days to get out. as i talked to the people from SELECT-PORT FOLIO. today trying to find a way not to be put out, the young girl i talked to said they would just get the sheriff to put us out. ( WONDREFUL PEOPLE ) there also know as XXXX. please look them up as they only changed there name. look i know there 's nothing you can do, but had to get this off my chest. will print and file with the rest of useless paper work.
Product: Credit card

I called Wells Fargo on XX/XX/XXXX to make a credit card payment before my due date using the company 's phone/IVR system . The phone system indicated that my payment was processed, Wells Fargo sent me a letter confirming my transaction and Wells Fargo updated my credit card account online showing that my balance had been paid. I noticed a few days later that my payment had not been processed from my XXXX account. I proactively called Wells Fargo on XX/XX/XXXX to ask why they had not taken my payment. Wells Fargo indicated that my payment failed due to a lack of funds. I did a bridge phone call with XXXX and Wells Fargo and my XXXX agent confirmed to the Wells Fargo agent that my funds were available the entire time. I have attached here proof that enough funds were available in my account the entire time of this issue. The Wells Fargo agent requested my bank account info again and proceeded to process the payment again. I was again provided a letter dated XX/XX/XXXX that my payment transaction was processed. On XX/XX/XXXX, I noticed that Wells Fargo still had not processed my payment from my XXXX account. I again proactively called Wells Fargo and the banker indicated on a recorded line that the XX/XX/XXXX payment attempt had not gone through because the prior Wells Fargo baker had missed a digit in my bank account number. I gave this banker my XXXX account info again and that banker processed my payment. I received another letter from Wells Fargo dated XX/XX/XXXX that my payment had been processed. At no point during this process did Wells Fargo communicate to me that my payments had not been processed successfully or on time. In fact, via written letter and via WellFargos website they indicated to me that my payment had been paid on time. Wells Fargo has assessed an interest charge of {$560.00} to our account. I have filed a formal complaint with the Executive Office of Wells Fargo and they have closed the complaint and left me with this interest charge even though Wells Fargo themselves failed to process the payment correctly. 

I would like the interest charge of {$560.00} to be credited to me. I proactively attempted to make my payment before its due date, I proactively followed up with Wells Fargo to make sure they received my payment on multiple occasions and I had XXXX confirm that funds were available. I have also attached here proof that enough funds were available in my account the entire time of this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Balance : {$80.00}
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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 my 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 60 days 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 XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX 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 8
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX XX/XX/year> Account Name : XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a car on XX/XX/2017 and Santander. Consumer finance never reported my on time payments for the past XXXX years this is a direct violation of my rights and the right to fair credit reporting act I paid on time for XXXX years not one single report I just recently paid the last remaining amount on my loan I want the history of this account fixed immediately or face litigation due to unfair reporting practices
Product: Credit reporting, credit repair services, or other personal consumer reports

Compnany Equifax was negligent in his handling and security of critical financial data, leading to compromise that will likely affect nearly all adult Americans for the duration of their life or until current credit standards are changed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I restarted Credit Monitoring with Trans Union. I discontinued the service about 2 months earlier because of chronic inability to sign in. I got no credit probably for months where I didn't engage the process but it would not have been available to me any way because of a problem. I called the Customer Service Line at XXXX first after what seemed to be a contact it followed with an immediate disconnection. Finally i Reached them after 54 minutes of effort. I believe I had been transferred outside the US and that is not a complaint except the background noise was such and the males accent so thick I couldn't understand him until several repetitions of the same question or ask him to repeat back his answer. Today I began trying again to resolve the problem at XXXX again the phone problems connect and immediate disconnect. Since then and perhaps coincidentally or by some other very unusual circumstance I have begun getting false invoices and orders. The person I spoke to had all my information including my Verifying questions. I can not reach any one at the company to help me. Id like to be helped or they refund an amount equal to time i was without service for their inefficiencies and my current term or better still that someone helps me solve the problem. Please help.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX 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 my 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 those account 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 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 XXXX 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: Mortgage

Dear Representative, I hope your day is going well. Here is what has happeneded so far : I called PHH on the phone and asked for assistance with my XX/XX/2023 payment due to an unexpected expense and for the payment to be put on the back of my loan and to keep my current interest rate of 2.00 %. The Customer Service Representative said not to worry that he would give me a 3 month forebearance and I could resume my payments at the end of the forebearance. 
When I went into my portal to resume autopay for my mortage beginning XX/XX/2023 ( the end of the forebearance ) ; the portal says that I can not make payments and that I owe {$6800.00}. This amount is much higher than the PHH representative shared with me when we spoke on the phone XXXX, XXXX. 
I was also told on the phone on yesterday by the PHH representative that I can not make payments now. I shared with them in XXXX and on yesterday that I want to keep my home and to keep my interest rate at 2.00 %. In XXXX, I was told that that was no problem and now I am being told that they have to evaluate my account. I have made all of my payments on time on the first of the month via autopay until the XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

- FAILURE TO PROVE OWNERSHIP - FAILURE TO LEGALLY VERIFY - WILLFUL NEGLIGENCE I have contacted this company on XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, & XX/XX/XXXX. 

They have failed to delete information on my credit report resulting in reputable damages from identity theft, which was proven by myself in accordance to the law. 

This company has failed on multiple occasions in the past few months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation.
Product: Bank account or service

I was renting a living space from an out of state landlord. I live in Florida and the landlord lives in Minnesota.I mailed a rent check to my landlord in XXXX of XXXX. The land lord called me and asked me to pay the rent to another bank that held his mortgage because this bank had no branches in his state and he did not want a late fee. He told me he would destroy the check I sent and we made the arrangement for me to pay my rent directly to his bank that held the mortgage to the rental property. Fast forward to XXXX XXXX I gave notice I was moving and paid my last months rent. After I moved out he cashed the Check that he was supposed to have destroyed. My banks policy is that checks expired at the 6 month mark, and even though this check was 14 months old they payed out on the check, over drafting my account which they are not supposed to do because I refused overdraft protection. I filed a complaint with my bank and they said even though they were in the wrong they would not refund my money. I am on XXXX and live month to month on my check
Product: Credit card

Ive been using my card up until I requested my PIN number it came in the mail but when I tried to do a atm withdraw of {$300.00} it flagged security on citibanks end previously I had a phone number issue where Citibank changed the number on my account but countless reps cant send a code to the phone to verify my identity seems very petty and confusing. They mailed me a reference number I never got it I called 4 times about the reference number they said they would send a new one twice at this point Ive just been waiting a very long time nothing ever comes in the mail.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 


Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX NA XX/XX/XXXXXXXX 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 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 XXXXXX/XX/XXXX
Product: Student loan

Charged late fees by Navient after they were notified bankruptcy was filed.
Product: Credit card or prepaid card

retired received a usbank reliacard took me two days to cancel was told to use this web site to report fraud.
Product: Credit card

On or about XX/XX/2023, my debit card was hacked and my account was charged 10 times in one day ( total charges {$2300.00} ). All the charges were made without my authorization to a " XXXX XXXX XXXX  '', which I have no affiliation with, nor did I ever make any transactions with this bank in the past. 

In XXXX of XXXX, when I was working on my taxes, I suddenly discovered the fraudulent transactions on my account and immediately contacted PayPal. I opened a dispute claim for each of the transactions. However, PayPal denied my reimbursement request, claiming I filed the dispute beyond the 180-day time frame. 

Paypal prides itself on its fraud detection abilities. They state, " Stop fraud early with free real-time alerts '', and " We monitor your cards 24/7 and notify you of early signs of fraud others might miss ''. 

Despite the above, PayPal never notified me ( by text or otherwise ) or warned me, despite 10 charges ( ranging from {$25.00} to over {$400.00} each ) in one day, and despite the fact that I never had any affiliation with the company. 

Because of PayPal negligence and the fact that they failed to notify me about the possible fraud, I had no way of knowing I was defrauded. 

It's true that I contacted them beyond the 180 days time-frame, but it is only because Paypal failed to : 1. monitor my account. and, 2. Contact me, as they were supposed to. Therefore ; 1. Paypal bears full responsibility for my late notification to them.

2. They should be responsible for the losses that I suffered as a result of their negligence ( not notifying me ).

3. Because of their negligence and failure to notify me, they should not use the 180 days time-frame as an excuse not to reimburse me. 

Thank you, XXXX XXXX
Product: Mortgage

I sought a loan modification with Citimortgage on a Home equity loan. My loan payment was increasing from {$2000.00} a moth to {$6000.00} per month. I called Citimortgage XXXX times and was told each time that I needed to be delinquent ( miss a payment ) before they could start the process. I missed a payment and called them the very next day to start the process. The process went on for XXXX days. I faxed XXXX packets of information and overnighted XXXX package. In the end, my request was denied because I had " too high a loan balance ''. My loan balance was known at the beginning of the process. My credit score went from approx. XXXX down to approx. XXXX. When I was denied, I am immediately made the payments and remain current on the loan. The original late fees they assessed were {$1100.00}. Citi wrote off {$300.00} of those fees. I asked them to waive the remaining balance of {$810.00} which they declined to do. When I was denied a modification and told that my loan balance was too high, I was also asked how my modification was going on my first. I told him I was not seeking a modification of my XXXX. He then went on to say that I should pursue that because there were more potential options and that the XXXX could be taken into consideration. That was nice to know but telling me after XXXX days and denying my request was way too late to make that suggestion. I am requesting/demanding that CitiMortgage write off the {$810.00} remaining balance of late charges. Their process was very misleading.
Product: Debt collection

I was notified XXXX XXXX XXXX ( XXXX ) on XX/XX/2018 regarding an alleged debt on behalf of Orion Portfolio Services , LLC ( see attached ). At that time, I contacted XXXX via phone and written correspondence ( see attached ) stating that I have reason to believe I am not responsible for the debt that is being attempted to collect. I received a letter back from XXXX dated XX/XX/2018 ( see attached ) stating they are not currently handling the debt. XXXX, also, stated that if any information had been reported, they will request that the information be deleted. I spoke to XXXX on XX/XX/2018. At that time, XXXX stated that they closed the account and sent it back to Orion Portfolio Services , LLC ( " Orion '' ). 
I pulled my credit report on XX/XX/2018, and it reflected XXXX XXXX as a creditor on behalf of XXXX ( see attached ). The date reflected on the credit report was XX/XX/2018. XXXX XXXX XXXX has the same address as XXXX. 
I contacted XXXX XXXX XXXX via certified mail on XX/XX/2018, and I copied XXXX Dispute Resolution and Orion Portfolio Services , LLC ( see attached ). In this correspondence, I requested information verifying the debt. 
I received a correspondence from XXXX dated XX/XX/2018 ( see attached ). In this letter, XXXX states that the account was transferred to Orion Portfolio, and I needed to contact XXXX XXXX XXXX XXXX to discuss the account. The number listed on the correspondence is for XXXX XXXX XXXX. 
I received a correspondence dated XX/XX/2018 from XXXX XXXX XXXX XXXX XXXX ( " XXXX '' ) ( see attached ). In this letter, XXXX states they are collecting a debt on behalf of Orion.
Product: Student loan

XX/XX/year> there was a data breach on my student loans through navient. I am requesting forgiveness of these loans as a result of said breach
Product: Credit reporting or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus last XX/XX/2023, to removed this suspicious information. I think you have not blocked these items by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX XXXX Balance : {$2700.00} ; XXXX XXXXXXXX Balance : {$1600.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$2700.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$2100.00} ; XXXX XXXX  XXXX XX/XX/2023.