23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Dispute of Inaccurate Late Payment Reporting for Ally Financial Account Dear CFPB, I am writing to formally dispute inaccurate late payments reported on my credit file for the XXXX XXXX  account ending in XXXX. These late payments, reflected for XX/XX/XXXX ( XXXX and Equifax ) and XX/XX/XXXX ( XXXX ), are incorrect and do not accurately represent my payment history. I have consistently made timely payments, and as such, I request an immediate investigation and correction of these inaccuracies. 
Account Details and Discrepancies Account Name : XXXX XXXX  Account Number : XXXX High Balance : {$13000.00} Date Opened : XX/XX/XXXX Date Reported : XXXX XXXX XX/XX/XXXX XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX Date of Last Activity : XXXX XXXX XX/XX/XXXX XXXX : XX/XX/XXXX Equifax XXXX XX/XX/XXXX Payment Status : XXXX XXXX 30 days late ( XX/XX/XXXX ) XXXX : 30 days late ( XX/XX/XXXX ) Equifax XXXX 30 days late ( XX/XX/XXXX ) but marked " Current '' Specific Errors Contradictory Reporting : XXXX and Equifax report a late payment for XX/XX/XXXX, while XXXX reports it for XX/XX/XXXX. 
Equifax inconsistently lists the account as both " XXXX '' and " 30 Days Late '' for XX/XX/XXXX. 
Inaccurate Payment Status : I have been enrolled in autopay for this account, and no payments were missed in XXXX or XX/XX/XXXX. 
Conflicting Remarks : XXXX and XXXX state : " Dispute resolved ; customer disagrees. '' Equifax states : " Consumer disputes after resolution ; closed or paid account/zero balance. '' Unsubstantiated Reporting : No verifiable evidence has been provided to support the reported late payments. 
Violations of Federal Law These inaccuracies are violations of the Fair Credit Reporting Act ( FCRA ) and other federal laws, including : 15 U.S.C. 1681i Credit reporting agencies are required to conduct a reasonable investigation of disputed information and correct any inaccuracies.

15 U.S.C. 1681s-2 Information furnishers must ensure the accuracy of the information they provide to credit bureaus.

15 U.S.C. 1681n and 1681o Creditors and bureaus are liable for willful or negligent noncompliance, including actual and punitive damages.

Truth in Lending Act ( TILA ) Mandates accurate reporting of credit obligations and prohibits misrepresentation of account information. 
Fair Debt Collection Practices Act ( FDCPA ) Prohibits misleading or inaccurate statements regarding a consumer 's debt.

Requested Resolution I respectfully request that : The inaccurate late payments for XXXX and XX/XX/XXXX be removed from my credit report. 
My payment history for this account be updated to reflect on-time payments. 
You provide written confirmation of the corrections within 30 days of this letter. 
If these inaccuracies are not corrected promptly, I will escalate this matter and pursue all available remedies under federal law to protect my rights as a consumer. 
I have attached relevant supporting documentation, to substantiate my claim. 
Thank you for your immediate attention to this matter. I look forward to a prompt resolution. 
Sincerely, XXXX XXXX
Product: Mortgage

In XXXX I began contacting my mortgage company to see if I could get a loan modification because my husband and I were going to be divorcing. I was told that they could not consider that unless my loan was in default. In that time mortgage company was shut down and turned over to another mortgage holder XXXX who could not help me because they were just getting the loan information entered in their system. I sought legal council because I was not getting anywhere and was told my loan was a XXXX and the courts had not determined how they would be handled. On XXXX XXXX, XXXX I went to mediation with XXXX the first default service assigned to my loan and was told to provide a list of documents for possible loan modification. I provided those and never heard anything. In XXXX the Supreme Court decided on the XXXX cases and I was served again. In the meantime the property was flooded in XXXX of XXXX causing approx. {$30000.00} damage and is still in jeopardy of recurring damages due to poor drainage. We went to mediation and the new servicer NationStar did not come with all their required documentation and the mediator sided in my favor. We went to mediation a third and fourth time always the same outcome the NationStar did not come with their required documents and sent representatives with no authority to negotiate. Now six years later I have been served with foreclosure documents and I do n't think NationStar even now have their required documents to proceed. NationStar even lied to XXXX XXXX at XXXX office they told XXXX they had never received anything from prior mediations. I sent copies of the e-mails to XXXX XXXX who has been trying to help but we are still at an in pass.
Product: Mortgage

I am writing in regards to the mishandling of our mortgage loan with BSI Financial that has caused significant additional charges to our loan. We were previously approved for a forbearance plan that was completed XX/XX/2020 and still has not been finished. BSI has overcharged interest to our loan due to the fact the modification has taken so long. I am requesting a full review/audit of our loan and how it was handled due to the pandemic. 

Please see attached letter of explanation with details of dates, amounts and actions taken to try to resolve the issue.
Product: Credit card or prepaid card

On XXXX XXXX I logged into my care credit account to set up my XXXX time draft for the minimum payment due of {$110.00}. I did this and received the confirmation email. Unbeknownst to me, I was enrolled in auto draft for the entire balance of XXXX set to debt XXXX XXXX I never authorized this. I do not have a single confirmation email authorizing this amount or transaction. 

I called synchrony bank on XXXX XXXX when I received an email stating my payment was cancelled because the balance was paid in full. I asked the customer service rep to cancel the auto draft and that auto draft payment as it would cause my Account to overdraw. The customer service rep, XXXX XXXX, said he had done so and that he would reinstate my original payment. 

I realized I never received any email confirmation of my conversation. I called back into customer service for synchrony bank and spoke with XXXX. The only item that had been done was they had cancelled auto draft on my account, or unenrolled me. They could not reverse the draft ; only my bank could do that. I explained that was not the information I had been given that morning. I further explained that reviews their online mobile experience and I did not enroll to pay the entire balance. I am now incurring overdraft fees with XXXX bank, will have late charge with synchrony bank and potentially adverse marks on my credit. While I had previously been enrolled in their autopay service. I had never authorized the entire balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following collection account is a fraudulent account and is not my account : XXXX XXXX XXXX, {$970.00}. I been receiving harassing and threatening phone calls of profane, vulgar and abusive language, threats of legal action, job loss, jail, prison, violence and death from the above XXXX XXXX XXXX. Thiss so unwarranted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to apply for a car they told me i had 20 hard inquiries, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Fraudulent activity in my wells Fargo and XXXX XXXX account. So now I cant open or bank with anyone.
Product: Checking or savings account

My name is XXXX XXXX and my email associated with my PayPal account is XXXX My PayPal account was limited for 180 days and after the 180 days I struggled to link my bank and card to withdraw my funds. I contacted a PayPal customer support agent by name XXXX which she assisted me to link my card which I was able to withdraw {$6000.00}. 

I still have funds more than {$4000.00} and PayPal has not allowed me to withdraw these funds. 

Whenever I want to withdraw my remaining funds, PayPal will say " Sorry we couldn't confirm it's you ''. 

I previously withdrew funds to same card and now I want to withdraw again and PayPal is saying they couldn't confirm it's me. 

I have contacted different PayPal customer representatives who told me to wait for 48hrs and I waited without any solution. 

It's more than few week and the issue is not resolved. I need my money to pay bills. 

PayPal limited my account for 189 days and they sent me email telling me my funds are eligible for withdrawal, but why is it that when I want to withdraw upon logging in they will tell me they couldn't confirm it's me. 

The supposed to send a code to my email or phone number to confirm but they have not and no one from PayPal has resolved my issue for weeks.
Product: Checking or savings account

On the XX/XX/XXXX, when I tried to access Bank of America 's online bank, the answer I got was that my user did not exist, I thought they were system problems, or that they had closed my account passed to many people. 

The next day when I tried to enter I simply obtained the same result, so I took the option to call the Bank of America call center. 

The executive told me that my account was not closed, just for some reason I was not online anymore, I had to create a user and do the registration procedure, when I achieve it and see the balance I realize that I'm missing money. I start to review the records and see that three transferences that were made to my account by a sale were reversed. One for u.s.d. XXXX, another for usd XXXX and another for usd XXXX. 

I go back to the Bank 's executive and she tells me that the bank that made the transfer went to the bank and stated that her account was cheated and that she had not made those transfers, the bank without investigation or communication or information to my person. the imperative decision to take that money away from me. 

I sold some bitcoins from the official website and the payment was via transfer the money came to my account so I released the same As it turns out, in the bitcoins account it now appears that they are scammers, they are dedicated to this.
Product: Debt collection

Transworld Systems Inc, calling from XXXX, has and continues to repeatedly call me multiple times a day. Call volume made by Transworld Systems Inc is in excess of more than 7 times in XXXX consecutive days - a violation of FDCPA, and subsequently defined under the aforementioned act as " harassment ''.

Recorded call logs have indicated the following calls made by TSI that are in violation of FDCPA : - XX/XX/2024, XXXX hours XXXX : XXXX ( XXXX ) incoming calls - XX/XX/2024, XXXX hours XXXX : XXXX ( XXXX ) incoming calls - XX/XX/2024, XXXX hours XXXX : XXXX ( XXXX ) incoming calls As provided above, and recorded within call logs, TSI has placed XXXX ( XXXX ) calls within XXXX consecutive days ; violating FDCPA.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Rozlin financial Group LLC for failing to provide the legally required debt validation information in response to my request, in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

On XXXX XXXX, I sent Rozlin financial Group LLC a written request for validation of a debt they claim I owe. The letter was sent via certified mail with a return receipt requested, and it was delivered on XXXX XXXX. Despite allowing ample time for a response, Rozlin financial Group LLC has failed to provide any of the requested validation, which includes : 1. Proof that I owe the debt and that the amount is accurate.

2. The name and contact information of the original creditor.

3. Documentation showing their legal authority to collect the debt.

Additionally, despite failing to validate the debt, Rozlin financial Group LLC has [ describe any actions, such as continuing collection efforts, threatening legal action, or reporting the debt to credit bureaus, if applicable ]. These actions violate my rights under Section 809 ( b ) of the FDCPA and have caused me unnecessary stress and harm.
Product: Mortgage

I paid my mortgage payment on XX/XX/01 in the amount of {$2000.00}, the payment was received and Berkshire Bank held the payment and did not post because of an increase in escrow. The bank made no contact with me to make me aware of the {$23.00} shortage due to the increase until XX/XX/01. I paid the {$23.00} to make the payment whole immediately electronically, Berkshire Bank had initially reported the entire payment 30 days late, theyve since reduced it it the {$23.00} delinquent and I do not agree with it to be late. Had they contacted me sooner, I would have paid it sooner and as it stands payment being made on XX/XX/XXXX with a XX/XX/XXXX due date is not over 30 days delinquent. I have had my mortgage with them for over 15 years and I think that I was late one time over ten years ago. It is a shame to have to be put through this but the negative impact to my credit is worth protecting. Ive enclosed my loan statement showing the transaction history as stated above. Thank you in advance.
Product: Credit card or prepaid card

XXXX Last month Citibank cancelled my credit card ending in XXXX without notice, giving lack of use as the reason. I have had this card for XXXX years, and have possessed my still active citi/Costco card for five years. 

I know they are legally able to do this, but I consider it to be very arrogant, disrespectful and counterproductive. I sent an email to this effect to Citibank XXXX XXXX XXXX ( below ) and received a dismissive reply from Your Citi Executive Response Team. ( attached ) I understand that many other customers have had a similar experience. 

I do not plan any further contact with Citibank about this issue, but I do plan to fulfill my promise to them to take every opportunity to tell others of my experiences with Citibank Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX >>>>> EMAIL TO CITIBANK XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX  To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Citibank , N.A . 

Dear XXXX XXXX, I am writing to inform you of Citibanks unwarranted action against me in cancelling without notice my credit card ending in XXXX. 

I understand it is Citibanks right to do this under the existing contract terms. However, it is very rude and disrespectful to do so to a long standing customer without any notice whatsoever and without a compelling reason. The representative I spoke with claimed Citibank sent me a letter warning that my card would be cancelled if I did not use it. I told him, and I can assure you, that I never received such a letter, nor did I receive any such text or email from Citibank. The first I knew of this action was an email Citibank sent me on XX/XX/XXXX informing me that my card had already been cancelled. 

The Citibank representative asked for my annual income in order to apply to have the card reinstated, presumably. I told him, but there is little chance my application was given serious consideration. Despite my having excellent credit, this application was denied. 

As of last week, my credit utilization rate was about 15 % ( now excluding my cancelled citibank credit card ending in XXXX ), whereas less than 30 % is considered good. 

Our annual income is {$140000.00}. Our net worth is over {$3.00} XXXX, of which over 40 % consists of liquid financial assets. Our only debts which are not paid off every month are a credit card balance of {$14000.00} and a HELOC of {$100000.00}. We paid off our mortgage in early XXXX. 

I am very responsive to promotions and incentives offered by other credit card companies to induce me to use their cards. It is strange and counterproductive that Citibank did not take this approach. 

Citibanks behavior toward me is egregious and demands an apology and admission of wrongdoing. Barring this, I can promise that in the future I will take every opportunity to tell others of my experiences with Citibank. 

Sincerely yours, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX ***** From Citibanks Mission statement : If we fall short, we will take decisive action and learn from our experience. 
>>>>>
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name XXXX XXXX XXXX # XXXX, Account name : XXXX  XXXX # XXXX, Account name : XXXX XXXX XXXX  XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 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 reporting, credit repair services, or other personal consumer reports

Hello, My name is [ XXXX ], I'm a XXXX year old lifelong Maryland resident who is soon to be a father. I'm contacting you today due to issues I've had with Wells Fargo which has imposed severe hardships on my financial wellbeing. Due to COVID-19 impacting USPS deliveries as well as Wells Fargo XXXX XXXX I now have a 120 day late report on my credit report. I am currently living with my mother as my girlfriend, her daughter, and I have been living there in order to save up to buy a house. Due to this mishap I interacted in good faith to resolve, I am unable to purchase a house, experience very high APR on my auto loan, and am unable to pursue ventures in entrepreneurship which require financing. I am seeking any help in getting this resolved and removed from my credit report. The account in question after I figured out all this happened was paid off within 2 payments. I would like to be able to provide for my family the very basic necessity of shelter and this is making it almost impossible. 



Here are the details from my interactions with them. 



At the heart of the COVID-19 restrictions, I purchased an item via financing on a new Wells Fargo XXXX card on XX/XX/20. Due to issues with USPS in regards to infrastructure and logistics causing mail delays and missing packages from COVID-19 restrictions, I never received the card in the mail. After some time, I reached out to Wells Fargo to inquire about the status on the card as well as make a payment. I was assured another card would be on the way so I can pay. A month or two after that, I still had no card or way to pay my bill so I called again. The Wells Fargo rep informed me that the previous rep inputted my account information wrong and was unable to process a payment which was not relayed to me until that moment. I was then informed that the payment was 120 days late. After explaining the situation to the rep, I received late fee reductions as well as a verbal agreement that Wells Fargo indeed messed up and I should be able to get the late payments expunged from my record. Therefore, in good faith I paid off the account and pursued actions the rep mentioned to get this expunged. However, Wells Fargo was completely unwilling to remove this from my credit report despite the cause of the issue being related to COVID-19, a federally declared pandemic. 



I would greatly appreciate any assistance in getting this expunged. I apologize for bothering your office with this request, however, I feel as though I'm hitting a wall. Wells Fargo has proven time and time again that taking advantage, lying, and abusing the trust of its consumers is their mission statement. It seems as though your involvement is the only thing that may help.
Product: Credit reporting or other personal consumer reports

I have sent several letters to the credit bureaus regarding XXXX, XXXX account as being inaccurate and have asked for it to be removed off of my credit report. 

Experian is reporting this account to be closed, a line of credit and charged off with a last payment date of XX/XX/year> whereas it is reporting and listed as open, on time payments and a different last payment date with another creditor bureau.
Product: Payday loan, title loan, or personal loan

On XXXX XX/XX/2022 I had an automatic payment scheduled for {$320.00} to come out to pay on the loan. The auto pay was coming out of a different account than what I had planned and I canceled it and paid it manually from a different account. The auto pay showed as returned for insufficient funds but the manual payment went through. The XXXX payment should have brought the account current but next month ( XXXX ) showed that the minimum payment due was now over {$500.00}. When I called to ask why they said that I had missed multiple payments and I needed to pay this amount. I talked to multiple agents and requested an inquiry be filed. They would agree but then I would hear nothing about the results. I then began to request to speak to a supervisor and would either be put on hold then hung up on, or told they would call me back. Never happened. Now due to late fees and interest my minimum payment due is over {$1000.00}.
Product: Mortgage

XXXX XXXX refinanced my home on XX/XX/XXXX. I had informed them a month prior ( with texts to verify ) that information on the forms relating to the refinance was incorrect. They assured me everything was fine and I'd have no new surprise payments. 1 year later at the beginning of XXXX, XXXX I noticed they raised my escrow charges by XXXX XXXX Upon calling and combing through information it has come to my attention that they never fixed the insurance information. My home insurance XXXX from XXXX to XXXX in XXXX of XXXX. XXXX XXXX did not correct it for the notary and with a novels worth of documents to sign, I missed it. Part of the new additional escrow charges are related to paying my property taxes, of which I'm exempt from having to pay. They negligently fumbled the refinance by not verifying my new insurance policy and I specifically requested no taxes to be escrowed. My county hasn't even generated the tax bills yet for them to see, yet they're charging me.