23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

I applied for a Balance Assist dated XX/XX/2023 Last payment due XX/XX/2023 and in the Loan Agreement under the Truth IN Lending Disclosures the Annual Percentage Rate of 7.48 % which on each loan I applied for at that Percentage rate I paid the balance off on time in full I recently applied for another Loan in XX/XX/2023 Last payment due XX/XX/2023 and in the Truth IN Lending Disclosures the Annual Percentage Rate of 5.99 % and due to the terms of this Agreement and under the Equal Housing Lender Act and Under the Equal Credit Opportunity Act I believe that I have been Discriminated Against due to the terms of the Loan Agreement also I have reason to believe that information has been inaccurate reported to Credit bureau as it states on my Credit report dated XX/XX/2023 under the Additional information and Inquiry Analysis
Product: Debt collection

This company made attempts to contact me today for no apparent reason. I don't owe this company any money and I have full medical coverage through my employer. I want all collection attempts to stop immediately.
Product: Mortgage

I deferred three months of payments due to Covid. My payments were to resume in XXXX. I called Wells Fargo XXXX and told them I could resume payments. I asked to have the amount added to the end of the mortgage. I then made XXXX XXXX payment that the rep advised me to do. 

I called to make my XXXX payment on XXXX, and they said they had rejected my plan because I was to make a payment on XXXX XXXX. I spoke with my agent, and she said this was in error because I had made a payment XX/XX/XXXX. She was going to escalate this to her supervisor I called today XXXX and the rep I spoke with said that no supervisor had touched my account The are wanting me to pay {$14000.00} on XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNT RECEIVEABLES PERFORMANCE WAS A PAY TO DELETION. 
I PAID THE COMPANY THE BALANCE THAT WAS NEEDED, IN RETURN THEY WERE TO DELETE IT FROM MY CREDIT REPORT HOWEVER IT ONLY CHANGED IT TO A PAID COLLECTION, WHICH IS NOT ACCURATE.
Product: Checking or savings account

On XX/XX/XXXX my checking account was debited for {$260.00}, I contacted TDBANK the same day and advised this transaction was already debited and not authorized by XXXX since they received payment on XX/XX/XXXX. I requested a temporary credit because I knew I had scheduled payments that would be causing my account to overdraft further. Between XX/XX/XXXX and XX/XX/XXXX I received over {$490.00} worth of overdraft fees from the bank. 
I called and tried to explain the issue to the customer service manager XXXX on XX/XX/XXXX but was given the most unneccesary feedback. Instead of obliging to their policy of putting the customers first and going above and beyond she went on to criticize the transactions that were passing through. 
I am a mother of XXXX who has struggled to make ends meet during this pandemic, every dollar that passes through my account is accounted for and budgeted. I would've hoped when an unauthorized transaction passed through the account my bank would have my back to ensure I get back on track. Instead I am robbed with fees and chasitzed for trying to stay afloat during the pandemic.
Product: Credit reporting or other personal consumer reports

My capital one credit was was stolen from me. when my card was stolen they used my capital one card for purchases which went through. Due to those fraudulent purchases my capital one card went 30 days late. I right away called capital one disputed those fraud transaction and they verified due to the fraudulent transaction they will remove the 30 day late they reported to XXXX XXXX and XXXX. Which they did remove. I have attached my XX/XX/XXXX statement which you will see capital one removed the 30 day late they reported in XX/XX/2023. After 2 months passed capital one reported the 30 day late back which I was in complete shock because that issue was removed. I called them and they don't see the problem and I am having a hard time explaining the situation to them because everytime it is a new employee and they don't know what to do. I need this 30 day late removed from XXXX XXXX and XXXX because it is inaccurate and was due to fraud charges. Below I have also attached my XX/XX/2023 credit report which you will see the late. Please help me resolve this issue like it was originally. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting erroneous information on our credit report from XXXX XXXX after an investigation. It is reporting a late payment in XXXX 2017 and that in incorrect.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a XXXX XXXX over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

The following accounts listed above and in this paragraph : In accordance with Fair Credit Reporting Act, Original creditor : All. Accounts with different balances. # XXXX, 15 USC 1681 section 602 A States the rights to privacy. 15 USC 1681 section 604 section 2. It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 166B A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason. 15 USC 15 USC 6802 B, c, d obligation with respect to disclosure 1681 A and E term investigative needs to be interviewed.

Please let it be known the other credit bureaus have removed these items due to inaccuracies and failure to provide evidence.

All late payments are illegal. 15 USC 166B A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason. 15 USC 15 USC 6802 B, c, d obligation with respect to disclosure 1681 A and E term investigative needs to be interviewed.

Please be advised I have filed a complaint with the CFPB regarding these inaccuracies complaint # 1. Provide a complete log regarding dates and times you attempted to contact me. If this alleged account was established by another party, then please detail your relationship- i.e., whether you are reporting this information as an assignment or whether you have purchased an alleged account outright. Also provide the account details for at least a year leading to this action, as well as any collection fees or interest and, if you are a third-party collector, your license or bond to collect in my state so that I may confirm your identity. Should you be unable or unwilling to answer, then you should respect my consumer and privacy rights and remove the damaging trade line from my credit reports immediately.

I demand that you show me a copy of the items listed in this letter as well as stated below if you can not produce these items, you must delete them.

2. 1. Validation of the debt-that is, the actual accounting.

3.

4. Verification of signed Invoice.

5. A copy of the Contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered.

6. Please provide the original docurse and wet signature if you cant provide these items Delete them.

Moreover, I am formally requesting that you communicate with me only in writing pursuant to FDCPA or related consumer protections. 

Attatched below is a copy of my credit letter and all the accounts that are reporting inaccurate a i demand these accounts be updated as XXXX XXXX as agreed or inaccuracies deleted,.
Product: Credit reporting or other personal consumer reports

The keep take money from my account they charge me upfront fix my XXXX  never did
Product: Mortgage

I've been with Select Portfolio Servicing for over 10 years and have carried an escrow account with them. They have continued to miscalculate/ forecast my necessary amount to pay for taxes and insurance despite this longevity. Typically year after year they have notified me of a shortage due to this poor ability to forecast on their part and have me pay catch up payments over 24 months. This year they have once again miscalculated my estimated escrow and instead of having me pay catch up payments over 24 months, have a new policy that I must pay these over 12 months. This has increased my payment over 15 % ( {$340.00} a month ) which is something I can't afford given the current environment with inflation. Please investigate this companies escrow practices to find ways to improve this so others aren't harmed as I have been.
Product: Credit reporting or other personal consumer reports

I have not supplied proof the doctrine of estoppel by the silence XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). XXXX XXXX XXXX XXXX {$1300.00}, XXXX XXXX XXXX {$22000.00}, XXXX XXXX via dealer XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In  XXXX , I was unemployed and became past due on my student loan. This information was reported to the credit agencies.  Navient re ports that I was approx. 200 days past due. In  XXXX   XXXX , I submitted appropriate documentation to resolve the past due account which was back dated to  XXXX   XXXX   XXXX . I then enrolled in school in  XXXX   XXXX . I recently contacted Navient to obtain documentation that the account issue was resolved in  XXXX  and became current. Navient indicates that I was not sent a notice indicating that I applied for an unemployment hardship deferment. I have had a difficult time obtaining documentation that my student loans were current in  XXXX   XXXX -todate in  XXXX .     The past due account was reported to the  XXXX  credit bureaus. In order to obtain a professional license today, the state license committee is requiring me to submit documentation that my student loan past due accounts were resolved and have since been current. I have had a difficult time obtaining this information. Navient employees had been rude and have provided incorrect information concerning my accounts. I need to resolve the matter as quickly as possible.     In addition, I would like to know why the back-dated documentation resolving the past due amount did not prevent the account from being reported to the credit bureaus as a negative transaction.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your reinvestigation. I would like this item immediately reinvestigated. The inaccuracies are highly injurious to my credit score, XXXX XXXX XXXX. In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Bank account or service

I live in XXXX Florida State and I have not traveled ouf of the State in years. I use BB & T account only for saving money to pay my insurance and some other bills, so, I do not use it too often. When I went to look into the account because my insurance was approaching, I noticed an overdraft of more than $ XXXX. I called the bank and the rude guy said he can not do anything neither cancel the account or do anything about it, so, I had to XXXX a branch near me and I went same day, XXXX XXXX, to the XXXX XXXX branch and a really nice rep, XXXX XXXX, checked and found out somebody deposited on XXXX XXXX, 2017 a $ XXXX fake check and then somebody went same day to a Virginia office and withdraw a {$900.00}, so I filed with her the claim and closed that checking account and a savings account I had, and she opened new ones that day. 
Then, XXXX called me on XXXX XXXX saying my savings account had an overdraft because somebody in XXXX different cities of New Jersey cashed XXXX checks on XXXX XXXX between XXXX and XXXX ; each withdraw of more of $ XXXX because the system showed the original fake check deposit as funds in the account. First of all, it is unbelievable that in this time, were all is about technology, a check does not get cleared within 24hrs, also, unbelievable, that the security in BB & T bank is so bad, that they just cashed the money in another State without confirming via phone if it was me who was out of my own State. And worse, BB & T Branch team leader, XXXX XXXX, asking if I was sure I did n't traveled to VA and NJ and also said I have to wait until XXXX to get my {$1900.00} back ; that it is what I had in both accounts. This amount might be too little for BB & T, but to tell me that because in small towns the fraud reports are less than in XXXX, the cashiers of BB & T bank does not have the same protocols, is outrageous. Who is going to respond for my late fees/interest of the payments I have to do with that money?, who is going to pay for the gas, the parking and the time I did not get paid in my job because I had to deal with the incompetence, insecurity and lack of protocols of BB & T bank? 
This is a joke. XXXX was the only one nice enough to provide information and communicate with her manager, the fraud department and the branch " team leader '' ( XXXX XXXX ) but none of them was Professional enough to give me their face and try to solve my cash flow problem because of BB & T thieves. 
I filed a Police report in XXXX XXXX.
Product: Debt collection

My information was involved in the XXXX XXXX XXXX. I have requested several times for proof of debt and original contract. Account showing on XXXX and resolved and documentation was not received. 
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exists. In requesting documentation none was provided. Due to identity theft this should be removed.
Product: Credit card

I identified two unauthorized credit inquiries from JPMCS Card services dates XX/XX/2023 and XX/XX/2023. I made numerous attempts to contact Chase to remove and report and the one time i managed to get thru to them i was given the run around to different departments, ending on a our office is closed.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act the following accounts has violated my rights : XXXX Account Number : XXXX XXXX/XXXX/Equifax XXXX - XXXX Account Number : XXXXXXXX XXXXXXXX/Equifax
Product: Debt collection

I received a text from XXXX XXXX XXXX XXXX with the following : First part of attached text : Contact information card with Hunter Warfield address, phone number, and payment portal but no context at all " Hunter Warfield a debt collector has a message for you. Please contact us at one of the options on the attached contact card. Reply Stop to Opt-Out from Text. '' Due to grammatical errors and no current debts owed through collections, I don't believe this would be a real debtor outreach attempt, even if the company is real.
Product: Credit reporting or other personal consumer reports

I have been contacting XXXX and Experian putting in claims and submitting police reports explaining that the XXXX auto loans dont belong to me I never had them nor insured them, ask them to investigate and remove them under code 15 USC 1681s-2 and also rule 408 B
Product: Debt collection

I have tried to resolve this issue with so called debt collectors or predatory lenders reporting negative items on my credit file from the three credit bureaus, but little or nothing has been done to remove all negative item off my credit file. XXXX XXXX XXXX still report incorrect and negative items although they said they would stop collection actions. XXXX XXXX has sent me over 130 harassing letters which I have not opened and returned to sender. XXXX XXXX, Midland Funding continue to report negative items affective my financial life and harassing letters which all have been sent back to sender. All three credit bureaus continue to report on behalf of these predatory lenders when they have not produced any contract or promissory note with the specie of exchange to create such debts. I want these predatory lenders to cease and desist from all collection attempts and remove every fraudulent account for collection from my file.
Product: Mortgage

We have made our application for refinance our mortgage application almost 4 months before at Wells Fargo since we took mortgage from them as first time home buyer back at XXXX, 2018. The interest rate was significantly high 4.625 when current rate for refinance interest came down below 3.25. 

We advised our mortgage broker to refinance our mortgage ASAP submitted all documents in first shot. Hence Wells Fargo representative kept on asking same document again and again and giving blame to each other for delay in processing. Now it become very frustrating since we have been waiting for 4 months for a closing date and Wells Fargo correspondent with us is not proposing any closing date. In the mean while we didnt applied for forbearance and that made WellsFargo comfortable enough to keep on charging us the Mortgage on previous interest rate in Corona pandemic. 

Their regulatory and compliance is not supporting us as their customer and making us complete victim in present financial crisis.
Product: Credit reporting or other personal consumer reports

XXXX Consumer Financial Protection Bureau Subject : Complaint Against XXXX and Equifax Dear CFPB Team, I am writing to formally file a complaint against XXXX XXXX Bank XXXX XXXX ) and Equifax XXXX the ongoing reporting of a credit card account that I believe should no longer impact my creditworthiness. 

The account in question is XXXX XXXX XXXX, and according to the law, it should have already been removed from my credit report due to the length of time it has been active. However, JPMCB continues to report this account to the credit bureaus, which unfairly affects my credit score and financial standing. 

I kindly request that you investigate this matter to ensure compliance with credit reporting laws and protect my rights as a consumer. 

Thank you for your attention to this important issue. 

Sincerely,
Product: Credit card or prepaid card

Three fraudulent charges were added to our credit card statements starting on XXXX for a total of = {$610.00} and added interest of the disputed amount of {$18.00}. All attempts to resolve the issue have failed as of the XXXX statement.
Product: Credit reporting or other personal consumer reports

American Express restricted and closed my account prior to resolving a billing error dispute in violation of 15 U.S. Code 1666d. This dispute is currently active in arbitration Restricting or closing by creditor of account regarded by obligor to contain a billing error Pursuant to regulations of the Bureau, a creditor operating an open end consumer credit plan may not, prior to the sending of the written explanation or clarification required under paragraph ( B ) ( ii ), restrict or close an account with respect to which the obligor has indicated pursuant to subsection ( a ) that he believes such account to contain a billing error solely because of the obligors failure to pay the amount indicated to be in error.

According 15 U.S. Code 6802 A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

Pursuant to 15U.S. Code 1681 ( c ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years