23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Called today and received threatening notice that they wont take my payment I tried to make two payments was denied and told they will not take any payments towards my mortgage! Unless they get the full payment. I was making two payments for two months and they told me no I need to make next month payment or we not excepting anything. This is a violation against FHA rules. I know my facts I know my rights I am able to make a payment and they will not allow me to make a payment towards my mortgage telling me that I need to make three months of payments. I am not three months behind. I was making two months payments, and they will not accept my payments and told me that no theyre not accepting my money when I make the payments this is not fair this is not honest this company XXXX XXXX XXXX XXXXXXXX  and I dont understand how a mortgage company can not accept payment when you are making and trying to come current on your mortgage, please help
Product: Credit reporting, credit repair services, or other personal consumer reports

My bankruptcy was dismissed by choice and judge. I didnt qualify. The case was dismissed in XX/XX/XXXX days after incomplete file. 


I didnt need to pursue this case why you sought dismissal. And addition the Judge the case was thrown out. 

I soon recovered and paid all necessary items to current. 

I m Request to have the credit bureaus to remove the bankruptcy from my credit report. 
It was dismissal meaning that the bankruptcy never occurred. 

This is effecting my life and credit. I requested to have item deleted and was unsuccessful.
Product: Mortgage

A letter dated XX/XX/XXXX informed me that recent Wells Fargo escrow analysis revealed a {$12000.00} shortfall in my escrow account. Their solution : to pay the lump sum by XX/XX/XXXX or effectively doubling my monthly mortgage XXXX & XXXX payment ( {$1600.00} to {$3300.00} ) starting on XX/XX/XXXX. How did this shortfall arise? Probably when Wells acquired the loan in XX/XX/XXXX and subsequently failed to perform the proper escrow analysis when they became the new mortgage servicer. 

I called Wells customer care on XXXX XX/XX/XXXX at XXXX XXXX, the only option they gave in lieu of doubling my monthly payment was the following : instead of paying the shortfall over a XXXX period ( doubles my monthly payment ) the customer service rep ( XXXX ) offered a XXXX re-payment period for the {$12000.00} shortfall ( almost doubling my monthly payment ). I said I need to spread that shortfall payment out over a longer term, which I'm sure they can offer but after transferring me to their Escrow Department, the Escrow Department refused. Instead, they told me to call their Home Preservation group the last week of May and explain it to them. That's their Loan Modification group. I told the Escrow Department Rep that I don't need a loan mod, I just need Wells Fargo to give me a longer term to make up the escrow shortfall that was a result of their mistake. 

Again, ( 1 ) I don't think that it's appropriate that my only choices are either a {$12000.00} lump sum payment due in a couple of weeks, or an abrupt doubling of the XXXX & XXXX payment that is due to their mistake. ( 2 ) Also, I don't need nor do I want a loan mod, which will only cause me and my wife further harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed inaccurate and incomplete information on credit card Account # XXXX with XXXX and XXXX XXXX See attached. This account has been reporting incomplete information throughout the entirety of its life. In the XXXX report, there are 12 months that are reporting inaccurate and incomplete information. In the XXXX report, they are reporting incomplete information for 23 months, and inaccurate information for the month of XX/XX/2021. Furthermore, after disputing with the credit reporting agencies, I have not received any correspondence from Citibank acknowledging my disputes. It is unclear whether or not Citibank is reinvestigating the information being reported. I also can not access my bank statements at this time because their website is down, but I will most certainly provide those at a later date.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report recently and I noticed there were multiple inaccuracies. 

I contacted XXXX, Transunion, and XXXX via telephone and by mail to dispute these unauthorized accounts. 


US Department of Education US Department of Education US Department of Education Dept of ED / XXXX 15 USC 1681 section 2, states I have a right to privacy regarding financial information.

According to my credit report, these entries related to these student loan accounts violate my rights to privacy. I would like to draw your attention to the Gramm-leach -Bliley Act, which mandates the protection of consumer financial information held by financial institutions. The inclusion of inaccurate student loan information on my credit report not only violates privacy rights but also potentially violates the provisions of this Act.

15 USC 1681 section 2, also states a consumer reporting agency can not furnish and account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX for a payment arrangement d/t sickness. I did not want this to negatively impact my credit and they agreed with the payment arrangements. I have a printed copy of the arrangement they agreed to. I completed my payments and now am receiving an alert that they turned me in for being 30 days late which is a false statement. I continued to make my agreed payments. I disputed this with XXXX and they contacted XXXX and said they confirmed it was correct. They didn't even ask for a copy of the payment arrangements or proof of my payments they took their word for it and now I can't file another dispute or upload the documents because it is closed.
Product: Checking or savings account

I received an alert from XXXX that someone attempted to open a Capital One checking account by using my name. I spoke to XXXX and filed a claim. They put me in contact with Capital One Fraud Protection, who put a stop on the account
Product: Money transfer, virtual currency, or money service

I had one number wrong on sending someone money through Zelle and there was no way for me to get my refund or reimbursement. I sent money through Zelle too someone selling me XXXX and got blocked and was unable to receive my money back again.
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  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries 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 XXXX 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 card

I had a XXXX through their partnership with XXXX XXXX. XX/XX/2016, they mailed me saying they were ending their partnership with XXXX XXXX. I had no desire to continue my XXXX and since they no longer had a credit card to charge I assumed that would be the end of it. 
However, in XX/XX/2016, I received a billing statement from a Citi Visa card I had never signed up for or activated. The statement was for a {$110.00} membership renewal fee on XXXX. Costco had taken out a card in my name, without my consent and charged me for another year 's membership on it. Unfortunately, my wife saw the bill and paid it before checking if I had ever signed up for the card. 
I called Citi Visa to ask them to reverse the fee and they refused, claiming the account was valid even though I had never given consent to create the line of credit. They also stated that this was a transfer of an existing debt, even though the statement lists it as a purchase and I had no existing debt. When I asked for the address to send a formal letter to request the charge be reversed, they first refused and then disconnected the call when I insisted. After redialing, I was able to get the address and issued a written request to have the charge reversed on XX/XX/2016.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the app XXXX  XXXX  to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of times. These accounts and inquiries were not made by me. Please take these unknown items off my report. 

XXXX XXXX {$510.00} XXXX XXXX {$570.00} DEPEDXXXX XXXX {$1000.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX {$13000.00} XXXXXXXXDEPT OF ED XXXX {$10000.00} XXXX XXXX XXXX {$170.00} XXXX XXXX   XXXX {$460.00} XXXX XXXX XXXX {$650.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$10000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

At this point I don't know what to do anymore. I'm sitting here crying while typing this complaint. This is my second complaint, I was accuse of not being me? I've been going through this process way too long and I can't take it anymore. I'm in distress and I truly feel like I'm being taken advantage of and I feel like I am being ignored. In my first complaint Experian responded saying I wasn't me I'm sick of going back in forth. Again, I submitted a dispute XX/XX/2020 and have yet to recieve any indication that my disputes are being investigated and I haven't received any results. In section 611 a it's stated that a failure to investigate the items I disputed within 30 days is a reason to remove those items from my credit report and it's now been over 40 days. I demand that these accounts be deleted immediately or I will be filing for litigation due to the XXXX  you have caused me and my family.
Product: Credit card

Credit karma told me I had excellent approval odds and that I was pre approved for credit card. I was not. I was denied and it hurt my credit due to the misleading false info
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax refuses to abide by the laws put in place to protect consumers. I am at the point of seeking and obtaining legal representation to help with this matter. I have sent XXXX dispute letters to them directly requesting proof of the inaccurate accounts listed on my credit report. I also submitted proof that my personal data and security information has been compromised in the Equifax data breach. My most recent letter was mailed XX/XX/XXXX, again requesting proof or that they permanently removed the inaccuracies. To date I have yet to see any accounts removed, have not received any proof of accounts or contracts bearing my signature, nor any correspondence from Equifax that my request had been received. According to the XXXX I have the right to receive proof of debt if I am disputing its validity. Equifax continues to purposefully and maliciously break the law. They continue to report information that can not be verified. My credit history is blemished with false information and they refuse to comply with the laws set before them. I am honestly really tired of having to suffer financially because of this. My next recourse is to hire legal consul and ask that not only this information be permanently removed but that I be awarded damages for the trouble this has caused. And furthermore it appears that CFPB is also not forcing credit bureaus to abide by the laws set to protect consumers. I am at my wits end and I need you all to actually help and not allow Equifax or any other credit reporting agency continuously and purposefully not follow the law. I want these items removed promptly. Equifax has continuously disregarded time frames set and does not adhere to the laws set by the XXXX. I will not give up until this matter has been resolved.
Product: Credit reporting or other personal consumer reports

I am a natural, living human being, and I have rights under 15 USC 1681. XXXX is governed by 15 USC 1681, and they violated my rights numerous times. Additionally, I have disputed these account multiple time and XXXX refuses to update and/or remove the accounts from my credit profile. XXXX continues to report inaccurate information on my credit profile, which causes additional hardship when applying for necessities that require my credit. This is a defamation to my character and caused higher rates on my auto loans, home mortgage, and credit cards. I demand that the accounts listed below to be removed because according to 15 USC 1681, I have the right to privacy and did not give XXXX written permission to furnish these accounts. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection/Chargeoff XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hard Inquiry XXXX XXXX Hard Inquiry
Product: Debt collection

An agreement was made on XX/XX/2020 through verbally and written agreement. ( see attachments below ) Why is there still a court date? I was told a hearing as not necessary since verbal and written agreement was made on XX/XX/2020. Since then, XX/XX/2020 there have been Constant Harassment by a Private Company Hired By BB & A and XXXX XXXX ( phone calling and constant knocking ) has been ongoing since XX/XX/2020 the date of the verbal and written agreement. The Private company hired by XXXX XXXX and BB & A have attempted to haul my vehicle on XX/XX/2020 at XXXX XXXX. The XXXX XXXX was constantly in the neighborhood making frequent stops to harass persons at XXXX XXXX XXXX XXXX Tn. The employee hired by the Private Company through XXXX XXXX and BB & A attorneys entered my private patio without permission to deliver a warrent from XXXX XXXX and BB & A. The paperwork as left on the patio on XX/XX/2020 at XXXX. He also Threw the court papers inside my car disregarding his six feet distance from me and he was not wearing a mask. There were a lot of rudeness and disrespect by the employee hired by XXXX XXXX and BB & A Attorney. I would like an explanation as to why Court orders were still being filed against XXXX XXXX after the verbal and written agreement and required payments were paid?
Product: Credit card or prepaid card

Unfortunately I completed an on-line survey which kept popping up, and wouldn't allow me to proceed to a website I was attempting to access. The survey advertised receiving a free gift card upon completion. 
I received email notification the day after ( yesterday, XX/XX/2020 ) advising me that my " Netspend Card '' ending in XXXX ( which is a prepaid Visa ) has been shipped and is on its way to me. I will not activate it, but will shred it and contact Netspend to have the account canceled, hopefully. 
My question, is this- is Netspend a scam/fraud? Should I be locking down my credit or flagging it? 

Netspend XXXX. XXXX XXXX XXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed the following accounts reporting incorrectly for the following reasons : XXXX XXXX XXXX account # XXXX reporting I was 30 days late XX/XX/XXXX, this was during the COVID-19 shutdowns and is not accurate. I paid this account timely for over 7 years. Please remove the 30 day late that was furnished to the credit bureaus in error. 
XXXX XXXX XXXX account # XXXX Inaccurately reporting I was late 30 days in XX/XX/XXXX. Please update this negative information furnished to XXXX, Equifax & XXXX correctly. 
XXXX XXXX XXXX Mortgage account # XXXX Reporting I was 120 days late XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. This is not accurate. The account was paid those months. 
Therefore, pursuant to the FCRA and FDCPA, I am requesting an investigation, as the accounts listed above are not being reported accurately. Additionally, I am requesting proof that you did investigate and the investigation was reasonable according to the standards set forth by the FTC. Please, 3. Provide me with proof of the method used to investigate all claims. 
4. Provide me with a complete and updated credit report. 
Additionally, I am asking the above creditors to behave appropriately during this investigation period, if any action is taken which could be considered detrimental to my credit, furnishing false information to other creditors with respect to this account during the investigation period, that would be in violation of the FCRA, FDCPA and FBCA. This includes any information to a creditor that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is.
Product: Credit reporting, credit repair services, or other personal consumer reports

After years of never looking at my credit report, I applied for credit and was told I have an old collection item. I contacted XXXX and was told they are collecting for another company, XXXX XXXX XXXX XXXX. They said that they were collecting for an anesthesiologist but could not give me the name of the doctor. 
I was then told that I could contact the hospital records department for that information. 
The hospital records department said the item is too old and I should contact the hospital records archive department. 
It became clear the collection agency XXXX was having me do their work in trying to verify the legitimacy of debt. 
I wrote to XXXX demanding proof that I signed any document or otherwise verbally agreed to pay for an anesthesiologist that I don't recall ever meeting or using their services. I asked for a response within 30 days. 
The response came in the form of an invoice from XXXX XXXX XXXX XXXX. The invoice had my name and a dollar amount due but had no authorizing signature as I requested. 
A second demand letter was sent explaining that they clearly missed the entire purpose of my first letter. 
I asked for a complete and adequate response within 15 days. 
XXXX and XXXX XXXX XXXX services have not removed this negative item from my Experian or XXXX credit reports. 

Now I seek your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$7200.00}
Product: Credit card or prepaid card

On XXXX XXXX I returned a rental back to XXXX and XXXX charged me again as if I was re-renting and was not trying to give back my deposit in the amount of {$200.00}, so I tried to dispute it with XXXX before contacting my credit card company and XXXX did not try to resolve the issue, the same day I called Captial one and filed a dispute to resolve the transaction Captial One case # XXXX XXXXXXXX during the return of the rental XXXX had charged me again and made my credit card go over my limit. 

Captial One informed me that the credit will be applied to my available balance after 90 days of me filling the dispute if they don't get response from the merchant, my credit card statement dated XXXX XXXX XXXX XXXX I made 3 Payments to Capital One : XXXX XXXX = {$400.00} ( Payment ) XXXX XXXX = {$100.00} ( Payment ) XXXX XXXX = {$120.00} ( Payment ) balance on statement : {$0.00} My credit card statement for XXXX XXXX - XXXX XXXX I made one payment to Captial One and Captial One applied a provisional Credit and an Interest charge Adjustment : XXXX XXXX = {$200.00} ( Provisional Credit applied ) XXXX XXXX = {$0.00} ( Interest charge adjustment ) XXXX XXXX = {$25.00} ( Payment ) I called Capital One Numerous of times to try and have them permanently apply the credit to my account to bring down my available but there telling me I had a balance of {$230.00} for my statement dated XXXX XXXX XXXX XXXX and that they applied a provisional credit to my account but if they did, I would have had a XXXX balance the next month because there were only XXXX charges for that statement and there saying it was applied before the case had closed before the 90 days. 

Captial One isn't trying to apply the credit permanently to my account because they are assuming that consumers don't close attention to their statement and there trying to keep the money and rip me off.
Product: Consumer Loan

I have a loan with Military Credit Services. This company has a few affiliations. I am military and while moving from my past location to my present one I experienced significant financial hardship. I attempted to communicate this to their office to no avail and the account went to collections. 

Since then, with the intervention of CFPB I have a lower payment which has been made on time since XXXX 2015. 

Therefore my agreed payments have been made on time for XXXX, XXXX, XXXX, XXXX and XXXX ( 5 Months!! ) and the company updates my credit profile with " account in collections '' for all of these months!
Product: Credit reporting or other personal consumer reports

I have received your response to my complaint and now require this so call proof you have to validate these accounts and lates as accurate. I'm not sure what your intent is in verifying false information on my credit report but this negligence can not continue. This is a serious error on my credit report. I need this fixed and these accounts deleted : XXXX XXXXXX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX The following account does belong to me, however the dates for the lates are incorrect. 
XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have attempted to rectify this debt with this company by through written communication by letter sent certified return receipt. The initial letter was sent to Tri-State Adjustments after reviewing my credit report and finding this company listed with a collection on my credit report. I sent a letter demanding they verify debt on XX/XX/2023. At which time, the collection agency sent a one page itemized bill not inclusive of any of the verifications I requested. on XX/XX/2023 I sent a second written letter certified return receipt informing them that they were in violation of my the no surprises act and to delete this account from the credit report. this account has yet to be deleted. I am asking for your assistance in holding this collection company accountable and demand that this account be deleted from my credit report ( XXXX, XXXX, and XXXX ). Attached you will find the documentation of the above mentioned correspondences.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX Have unauthorized inquiries appearing on my credit report I have attached documentation below. 
1 XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX  2. XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX  3. XXXX XXXX Date of inquiry XX/XX/XXXX 4. XXXX XXXXXXXX Date of inquiry XX/XX/XXXX