23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In the latter part of XX/XX/XXXX, I was notified by my current mortgage holder Wells Fargo, that my loan was being transferred to XXXX XXXX XXXX and beginning in XX/XX/XXXX i would begin making payments ( which include Homeowners and real estate taxes ) to them. Soon after taking over my loan, I was sent a notice dated XX/XX/XXXX stating my account had an escrow account of {$1100.00}, and that they would be raising my mortgage payment from XXXX to XXXX. I called in to XXXX and expressed by disbelief and displeasure at this notice and asked for an explanation of how this was possible considering the amount taken out of my payment for escrow. Based on the information found on my monthly payment notice, i am paying {$230.00} per month for escrow, and have been since XX/XX/XXXX, so in 12 months this would total {$2700.00}. My real estate taxes are {$1700.00} a year and my home owners insurance is {$810.00} a year for a total of {$2600.00} annually. So mathematically, I would have a SURPLUS of {$190.00}. Apparently XXXX and perhaps Wells Fargo, require a 2 month buffer, so add two payments of {$230.00} for a total of {$460.00}, subtract the surplus of {$190.00} and the balanced owed would be {$270.00} NOT {$1100.00}. Also, I have asked for my escrow payment to be removed from my mortgage as I would rather pay it since Wells Fargo or XXXX can't be trusted for accurate accounting. XXXX informed me, that when I had agreed to a loan modification by Wells Fargo, the agreement contained language which prevented me from withdrawing the escrow out of the payment. If this was indeed the case, I wasn't aware of it, and by any means, this agreement would've been with Wells Fargo, not XXXX. XXXX is essentially resorting to extortion, by forcing me to pay an increased payment which should be an illegal practice, when the information clearly shows they are mismanaging my account payments. Also, after my loan modification, my payment was {$630.00} per month, ( escrow {$220.00} ) until XX/XX/XXXX, and Wells Fargo increased my payment for a supposedly escrow shortage after the modification ( to the current amount of {$230.00} ), raising it to {$640.00}. So once again, the accounting doesn't add up, as I have been paying {$230.00} for over a year into my escrow account. Please look into this matter, as we are certainly aware, Wells Fargo is not above breaking the law and taking advantage of their customers. If mortgage companies can force escrow increases for each of their customers, imagine how much extra money is being brought in to the company and making it more profitable on the backs of the public. Apparently XXXX is of the same ilk as Wells Fargo. As I have gone through a separation from my wife, I am a single parent with all the responsibility of paying all bills, and as my credit was hurt during this event, I can not find someone to offer a refinance so I can be rid of XXXX. I appreciate your time into looking at this matter. 
XXXX XXXX XXXX
Product: Credit card or prepaid card

I had a medical procedure that required a prepayment prior to the XXXX even though my insurance was going to fully cover the procedure. I made the 25 % prepayment of {$1100.00} on XX/XX/XXXX or XXXX XXXX using my Citi credit Card ( shows as XXXX XXXX XXXX XXXX XXXX XXXX on my statement ). After the hospital billed my insurance, the insurance Explanation of Benefits stated I should have made no copayments. I contacted the hospital numerous times to request a refund of the {$1100.00}, but nobody ever responded or answered my calls. 

A week later, on XXXX. XXXX, I submitted a dispute to Citi for the charge with all information supporting my claim. When submitting the dispute, I filled in information as accurately as possible - I did make this payment, but I was not supposed to be charged anything and was requesting a full refund. Citi 's web portal would not allow me to enter " XXXX '' as the amount I should have been charged, so I had to enter some non-zero value. I opened the dispute disputing {$1100.00} instead. I called Citi 2 days later, on XXXX. XXXX, to update the amount to {$1100.00} and was told they'd submitted the update request and it may take a few days. 

On XXXX. XXXX, XXXX XXXX finally responded to my initial requests and refunded the full payment amount stating it'd take 3-7 days for the credit to appear. I received an email confirmation from their service detailing this refund. 

On XX/XX/XXXX, Citi closed the dispute without updating the disputed amount nor did they provide the full refund, leaving the refund at {$1100.00}. 

I contacted Citi again via phone on XXXX. XXXX to follow up on the adjustment for the amount and was told that the request is still open. 

I was informed today, XX/XX/21, that Citi declined refunding my positive card balance because of this dispute ( although the dispute is closed ). I have reached out to them via chat today, XX/XX/21, requesting the last cent to be refunded, which is absurd that I even have to do, speaking to XXXX. I have not gotten this full refund yet.
Product: Checking or savings account

The date of transactions was XXXX for {$90.00} for a spoof company that isn't a real company and XXXX has no knowledge of them. the company is claiming to be called XXXX XXXX XXXX XXXX XXXX plan. I ended up needing to use it and the number I called said they didn't have any record of me in their system and they will call me back in 24-48 hours. In under 1-2 minutes they called me back saying they found me but needed to update my information. I found that suspicious and called XXXX support. The agent told me they get calls about this all the time and they are not a warranty company for XXXX. I was given a temporary credit after talking to bnymellon and many weeks later the temporary payment was taken back. Still to this day I have received nothing. XXXX XXXX which will not return my phone calls claims a letter was sent out on XX/XX/21 which isn't true because I can track all incoming mail by photocopy. I have left voicemail after voicemail she will not return my calls. The day I voice concern about the credit being returned she wrote up an unofficial and almost looks fake paper she states that was sent to me but you can tell it's not official. She even saved the file the day she wrote it out. So the paper was not scanned she wrote it up and sent it to me. I will be including the paper she wrote up on her computer.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account name XXXX XXXX XXXX XXXX account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters to Experian about two bankruptcies that they are reporting on my credit profile in error. The last letter that I sent was on XX/XX/2021 about the errors that they are reporting on my credit profile. The errors still remain on my credit profile as of today. I will attach supporting documentation for this complaint. I have reached out to all sources about these errors. The XXXX  XXXX XXXX and XXXX. XXXX had also did an investigation and had corrected the information within the files with the two errors and they removed them after also contacting XXXX and other appropriate parties during their investigation. Experian can not say they this matter has been investigated because if they have investigated it appropriately then my credit file would reflect the updated information with the Bankruptcies removed. This inaccurate information on my credit file has caused me to miss out on major decisions in life. This is very damaging and devastating error that has caused me severe XXXX XXXX and XXXX. Can you please investigate this situation and have it taken care of as soon as possible. Thank you for your understanding and prompt attention to this matter.
Product: Credit card or prepaid card

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that RMA CREDIT ASSOCIATED has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Credit reporting or other personal consumer reports

on XX/XX/2023 i sent out a dispute letter for inaccurate accounts that had been reporting on my credit report, some accounts are duplicates with diff account balances and alot of inaccurate reporting from all three credit reporting agencies, i sent out proof of my identity drivers license, mail from home address, last 4 digits from ss # on dispute letter, and TransUnion sent me a letter past 30 days stating the dispute letter wasn't from me, they are clearly neglecting my right to challenge anything i believe is not accurate on my credit file and violating my consumer rights and also being uncompliant with FCRA and XXXX XXXX COMPLIANCE GUIDELINES, this agency has put stress, frustration and anxiety to my life because of there wrong doings, which has put my financial status in jeopardy to move forward in life, ive listed a few violations below, but not limited to all that apply to my credit profile, i have attached some documents with this compliant as well, ( 1 ) 15 U.S. Code 1681s2 ( a ) Reporting Information with actual knowledge of errors 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.

( 2 ) 15 U.S. Code 1681s-2 ( b ) Reporting Information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if - ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate, ( ii ) the information is, in fact inaccurate ( 3 ) FCRA 623 ( a ) ( 3 ) Duty of furnishers to provide notice of dispute If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute ( 4 ) FDCPA 807 ( 8 ) False or misleading representations Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

( 5 ) 15 U.S.C 1681i ( 5 ) ( a ) Treatment of inaccurate or unverifiable information ( A ) If after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer
Product: Credit reporting or other personal consumer reports

Since this account name CAPITAL ONE Account number XXXX Date opened XX/XX/XXXX appeared on report I have been requesting validation. This company has refused to provide validation and has stated that the account was verified. According to the FCRA the company has to provide with validation of this debt. This account is now showing charged off. {$620.00} written off. {$580.00} past due as of XX/XX/XXXX. And the last status updated XX/XX/XXXX with a Balance of {$580.00}. 
Balance updated XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

You fit send my acct to collections when Im paying direct from bank account every month XXXX XXXX closed my account and never advised me and I have more acts with them in excellent standing My XXXX was back in 2010 The equifax information is compromised because my information was hacked in their system and I have the proof so theyre reporting wrong information in my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

The most recent contact was XX/XX/XXXX. 
I contacted Equifax about errors of my report. 
First that my name has the suffix XXXX Attached to it which is incorrect. I sent in documents ( birth certificate, drivers license and social security card ) and this was corrected without sending me a free updated credit report. 
Also theres a bankruptcy that I believe belongs to XXXX XXXX XXXX XXXX Which I contacted XXXX XXXX and XXXX XXXX District court about which they gave me supporting paperwork indicating that Equifax did not get the information that they are reporting from them. 
I forward these copies to Equifax in XX/XX/XXXX. Theres been no responds so I sent a XXXX XXXX   Compliance letter disputing th bankruptcy and 4 accounts with remarks : included in bankruptcy. 

I explained that items included in bankruptcy cant be reported to the credit bureaus since they were under bankruptcy, which isnt mine. 

During the time I have been disputing the above items on my credit report my report was not updated within 30 days that I was disputing these items which is a violation of the FCRA section ( 602 ) ( a ) ( b ). 

Despite proof that XXXX XXXX letter states theres a credit freeze on my account for two years Equifax claims to have verified this information with XXXX XXXX which cant be true. 

The items listed on my report with the status : included in bankruptcy should be deleted since thats a reporting violation of the bankruptcy laws and they dont belong to me. 

When I contacted the creditors they could not provide me with a contract with my signature and XXXX XXXX mentioned this account didnt belong to them which Equifax is reporting incorrectly as being delinquent XX/XX/XXXX when it was closed in XX/XX/XXXX. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello EQUIFAX, Recently, I viewed a copy of my credit report and noticed some old information that I need removed. I am certain that this account is affecting my credit scores, and denying me of loans that I need for business expenses and costing me too much time and money every year. 

Listed below is the account that I have identified, and want to have removed. 

XXXX I am sure you are aware that my rights under the provisions of Section 611 of the Fair Credit and Reporting Act of 1970 are clear, I ask kindly that this accounts to be removed from all current and future credit reports. 

Also, I would appreciate if you would please forward me the information of any individuals and or organizations you reached out to so I will be able to follow up with them|on my end. 

I am certain that 30 days is plenty of time for your company to look into this account. 

I believe that under Section 611 ( a ), it is clear that the failure to investigate this accounts within 30 days constitutes a reason to permanently remove the information from my credit report.
Product: Mortgage

I entered into a " natural disaster protection plan '' during XXXX 2024. I expected this protection would last 12 months while I made the necessary repairs. I'm still making the repairs, but now I've been told I'll only have 9 months of protection. 

More importantly, this protection plan enabled Borrowers to forbear paying their mortgage for 12 months. Thereafter, the unpaid amounts would be " deferred '' and placed at the end of my loan. Now, I'm being told I'm not eligible for a deferment and that the entirety of my forborne loans are due or else my home will be foreclosed. If I'd known at the outset that I wasn't going to get a deferment, I never would have entered into the forbearance plan I was offered.
Product: Debt collection

XX/XX/XXXX GET A CALL FROM SOMEONE FROM ACCESS CAPITAL SERVICES STATING WE OWE A BILL FROM XXXX. 
FOR A LOAN WE HAD WITH XXXX XXXX XXXX AND SENT A STATMENT LETTER CLAIMING WE OWE {$4700.00} WHICH IS NOT TRUE, THIS LOAN WAS PAID AND NOW 14 YEARS LATER SOME ONE IS CLAIMING THIS PAID DEBT, WE ASK THEM TO SEND A COMPLETE FILE OF THIS CLAIM AND HAD NOT RECIEVEIED ONE, WE WENT TO XXXX XXXX XXXX AND THEY WERE SHOCK THAT THIS CLAIM OF 14 YEARS IS BEING CLAIMED BY ACCESS, CAPITAL SERVICES.
Product: Credit card

bought a dell computer. Used there finance company was approved. they will not give me a full account # all they give me is the last 4 digits of the #. so i can not get on line to check it or pay the bill on line.They say i need to send them a copy, front and back of my s.s. # driver license. iI am not sending that information in the mail to them! they have already lost one of my payments for 3 weeks before they found and sent it thru. I bought this computer in XXXX XXXXXXXX i have made 5 payments and still no full account # just the last 4 #. i have called them 4 times and they tell me there is nothing they can do because of this i have been charged late fees from them!
Product: Credit reporting 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 INQUIRIES. 
EQUIFAX MORTGAGE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I open a Capital one account in XXXX and in XXXX they sent me a Venture card account because I had a few other cards and didnt want to be late on any payments I was referred to setup Autopay I did and it was set to pay the minimum every month. This was fine till someone made a fraudulent charge in a XXXX of XXXX and I changed the balance and minimum due however it was more then the minimum I had set to pay and it made the remainder amount pass due which was paid the next week I was told. In fact for the month of XX/XX/XXXX I summited two payments however they reported my account past due 30days in XX/XX/XXXX which it was not. Then when I tried to correct it they claim I had missed payments by posting my payments twice for the same month XX/XX/XXXX and not posting payment for XX/XX/XXXX and still incorrectly reporting me pass due without supporting information. As their records show payments made on time and no pass due amount ever because they just post balance and schedule payments.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/year> under the account number ( private ), XXXX XXXX XXXX {$6900.00}, XXXX XXXX XXXX {$540.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting

hi, XXXX equifax reinserted my son 's ( same name, Im sr, he is not ) bankruptcy, wage earner, collections, judgement, XXXX inquiries they just placed i only had XXXX inquire in XXXX years, false accounts and false alerts not placed by me in my files. for over a year I have fought and begged them to fix my credit, to remove what 's not mine and they refuse or play games, we lost the opportunity to purchase foreclose property denied by suntrust because equifax, our score in other credit companies are about XXXX.
Product: Student loan

My husband had lost his job, so I was unable to make some payments on my loans. I was aware that at 90 days overdue the account would be reported as delinquent to the credit agencies. As I wanted to avoid this, I intended to make a payment or request a deferment or forbearance before the 90 days passed. When it came near the 90 day mark, I logged in to my account online to check the status and see what my options were. I was surprised to see that there was no overdue balance, only an amount of, if I recall correctly, {$53.00} due by XX/XX/XXXX. I was skeptical, so I checked again over the course of several days, and my account continued to show the same, not overdue, only {$53.00} due XX/XX/XXXX. I thought since my husbands loans are going into repayment status, that this had affected my account. A few days later I was surprised to receive an email stating that my account was 90 days overdue and it was reported as delinquent. When I logged back on at that point, the online account did reflect an overdue balance. 
Since I had every intention of keeping my account from going delinquent, and it did only because of an error on Nelnet 's website, I feel that I was not at fault. A correction should be made to remove this negative mark from my credit report at any and all agencies that they report to. I called and was informed by one of their reps that there was in fact a technical error in their systems around this time.
Product: Credit reporting or other personal consumer reports

I attempted to place a credit freeze online but was unable to do XXXX. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). 
MY NAME : XXXX XXXX 
LAST NAME : XXXX. 
DOB : XX/XX/year> NSS : XXXX SECURITY FREEZE