23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We ask for Mortgage Forgearance11 months ago with Wellsfargo. 
They gave me the run around over and over until I finally got my Congressperson involved, then they granted 180 days, and I believe have extended it another 180 days as its a FHA loan. 
I have been out of work since XX/XX/XXXX no fault of my own due to the Pandemic, and do not get unemployment or any other assistance. 
I did sign up for social security as I am now XXXX, and had not other way to try and pay my bills. 
The money I get from SS does not even come close to what it takes to live on.

Now looking at my statements from Wellsfargo, it apears that they are tacking the full monthly payment on for each of the last 11 months onto my loan, and did not at any time decrease the total loan amount. 

I owed XXXX on my loan in XX/XX/XXXX, payments of XXXX per month. 
Now I owe XXXX A additional amt of XXXX, Wellsfargo only has to pay the loan investor, thats a small portion of the XXXX payment due each month. 
Wellsfargo recieved billions in PPP and Grants due to the pandemic. 
We impacted home owners are just being screwed ny the banks once again. 
XXXX, XXXX, My XXXX when are you going to stop XXXX the home owner? 

This program does nothing for the home owner, except to drive us into foreclosure and loose all of any equity we still have left after the XXXX scandal that the banks caused, due to there greed. 

If I was a renter, I would have not been evicted, and owed nothing. 
Why are home owners getting the shaft?????? 

This is discrimination, and another bank con game.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my deep dissatisfaction and frustration regarding the repeated attempts I have made to rectify the ongoing issue of late open account associated with my XXXX XXXXXXXX XXXX Balance : {$1400.00}. Despite my numerous efforts to resolve this matter, the problem remains unresolved, causing significant inconvenience and distress. 

I first noticed the late open account issue previously. Since then, I have diligently contacted your company 's customer service department to bring this matter to your attention. During these interactions, I have provided all the necessary documentation and information requested, yet the issue persists, and no concrete action has been taken to correct it. 

The late open account issue has had a negative impact on my financial stability and credit score. I have faced undue stress and financial setbacks as a result of this unresolved problem, which should have been addressed promptly and efficiently. I have made timely payments and fulfilled all obligations on my end, and it is disheartening to see that my efforts have not been reciprocated. 

I am formally requesting the following actions to be taken promptly : Immediate correction of the late open account on my credit report to accurately reflect my payment history and prevent any further damage to my credit score. 
A written confirmation of the resolution, including the date when the correction was made. 
An apology for the inconvenience and stress caused by the repeated failures to address this issue in a timely manner. 
I understand that mistakes can happen, but I believe it is only fair that your company takes responsibility for its errors and takes the necessary steps to rectify them. I trust that this matter will be resolved promptly, as it is in both of our interests to ensure the accuracy of my credit report. 

If my concerns are not addressed within the exact timeframe from the date of this letter, I may have no choice but to escalate this issue further by seeking legal assistance or contacting relevant regulatory authorities.
Product: Debt collection

Caine & Weiner Debt Collector as of XX/XX/XXXX has placed collections XXXX XXXX # XXXX to my XXXX, XXXX, and XXXX credit report. 
XXXX has removed this collection as of XX/XX/XXXX. This company has not reached out or communicated this, but instead placed it on my report. I have spoke with manager XXXX XXXX and XXXX XXXX XXXX at XXXX. Requesting answers to why would they place this on my report without no prior communications, only to find out that this is a account since XX/XX/XXXX which I stated makes this a 3 year old case as well as it not belonging to me by fraud or identity theft. XXXX XXXX definitely had a attitude due to me asking how would I be compensated for my time waisted and my scores dropping over XXXX due to their error. I request that this infraction be deleted from both of the listed above accounts and that Caine & Weiner compensate me for their mistakes and my inconvenience of {$50000.00} per the individual ( s ), company, insurance ( s ) and bond ( s ).

Thankyou for your time you may contact me for banking and routing number. 
XXXX XXXX
Product: Debt collection

Prior to the following noted date, I had received multiple emails containing exactly the same information. On XX/XX/year>, I used a link embedded in that email, sent to me directly from the XXXX XXXX XXXX, XXXX. It was stated, in the body of the email, this link address would redirect me to their website XXXX XXXX and allow access to alternative repayment options. However, access to this alleged XXXX XXXX, via their website, was blocked by my malware protection application, which is installed on my computer system. XXXX XXXX XXXX, XXXX had employed the use a type of phishing method or process to acquire my personal and private financial information, without my knowledge or permission. This was a very bold attempt to infect my computer with malware in order to possibly obtain my bank account numbers, credit card details, login credentials and any other very sensitive data. My antimalware software installed on my system, and in my browser, prevented me from being XXXX XXXX XXXX, XXXX next victim of this very serious cybercrime attempt. 

XXXX XXXX XXXX, PC clearly violated the provision in the Fair Debt Collection Practices Act, section XXXX, False or misleading representations ; violation example number XXXX, the use of any false representation or deceptive means to collect or attempt to collect any debtor to obtain information concerning a consumer. They misled me by representing the link to their Payment Portal as safe and virus free. Then, attempted to deceive me, by offering a means of accessing alternative repayment options, knowing that link would download malware onto my computer hard-drive, and subsequently steal all of my personal and financial information for their clientXXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX appear to possess the characteristics and furtiveness of the worst thieves in the XXXX century, cyber thieves. In addition, XXXX XXXX XXXX, XXXX stated, in documentation, their client is XXXX XXXX XXXX, and they are not the Plaintiff in any action. Therefore, the only logical assertion : XXXX XXXX XXXX is aware of XXXX XXXX XXXX, PCs cybercrime practices and were in collusion to steal my most personal and financial information.
Product: Credit reporting

I mailed a request for a copy of my credit report using the form provided and completed the information they requested. Experian was the company I requested the report from. 
It has been over six weeks, and I have not yet received a credit report from them and they have not been in contact with me.
Product: Debt collection

XXXX XXXX from XXXX XXXX with a phone number of XXXX XXXX XXXX called my father my sister and my uncle and told them all that I was going to go to jail if I did not pay? Pay what? No main creditor was identified. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$3000.00}
Product: Debt collection

Date opened : XXXX Last Date reported : XXXX Collection amount : {$970.00} Balance : {$940.00} Action taken by company : To many phone calls, not nice at all, pressure tactics and very rude.
Product: Credit card

I have been waiting on a check for becuase I have a negative balance since XX/XX/year> I am not receiving the checks they say that are reissues Please mail me the check with a tracking number The amount is XXXX It is my kohls card issued by capital one
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested in my Validation letter dated XX/XX/XXXX which XXXX XXXX XXXX XXXX fail to validate all of my request. XXXX XXXX XXXX XXXX sent copies of card statements and other interesting documents that have me questioning do we as consumers, have any privacy at all. I will address that privacy issue. My attachment 's will show that a debt collector, XXXX XXXX XXXX obtain my private and personal information without my permission and then sold my private and personal information for monetary gain. No contracts submitted by XXXX XXXX XXXX XXXX that bares my personal signature. XXXX XXXX XXXX XXXX did not Validate all my request pertaining to contracts that bares my personal signature. But they submitted to me a XXXX XXXX XXXX that shows XXXX XXXX XXXX the Seller of my private and personal data. And XXXXXXXX XXXX  the Buyer of my private and personal data. This buy and sell happened on XX/XX/XXXX.
Product: Credit card or prepaid card

XXXX dollar service late fee charged never received a bill calls to service center XX/XX/XXXX & XX/XX/XXXX not able to resolve proiblem tound i had been switch to 'PAPERLESS BILLING ' that i had never authorized account opened in XXXX i recall three occurences simular so far they have issued refunds
Product: Credit card or prepaid card

On XX/XX/2022, I went onto the Pentagon Federal Credit Union ( PenFed ) website and applied for the PenFed XXXX XXXX XXXX XXXX XXXX. After submitting the application, it automatically directed me to the application approval page for the PenFed XXXX XXXX XXXX XXXX XXXX. Not only was it not the card I applied for, the terms, conditions, benefits, and promotional offers are completely different. Now I have one additional hard credit inquiry on my report and a credit card I do not want. 

I communicated with a number of representatives from PenFed attempting to resolve the issue. They confirmed that my application was indeed for the PenFed XXXX XXXX XXXX XXXX XXXX, but their credit card department decided for me that the other card was more suitable. So they changed my application to the XXXX XXXX XXXX XXXX XXXX without my consent. 

I have applied for many credit cards before, and the applications were either approved or denied. Never had I encountered a situation where the financial institution changed my credit card application without my agreeing and gave me a card I never applied for.
Product: Payday loan, title loan, or personal loan

The company stopped taking automatic payments from my account and I had to manually make payments once they started sending emails stating I was behind. It will go from XXXX days, XXXX, to XXXX days. I recently paid the loan all the way up I added up the dates and how much I owed on the loan and my remaining balance to my recent payment as of a day ago and it matched. On today almost XXXX more was added to the loan and its not behind. I have all emails where I have paid and Im caught up. They have already made an extra {$1000.00} off the loan already from adding fees and working on another
Product: Credit card or prepaid card

Having seen ads on line about a XXXX XXXX credit card giving elite status miles ( XXXX ) on XXXX XXXX after spending {$40000.00} with the card, we applied for the card. Barclays Bank issues the card. We called several times and were told on the phone by the Bank representative that we could not apply directly for the Silver Card, that instead we had to apply first for the " XXXX XXXX '' card, and that after using it for 3 months we could upgrade to the Silver card. We explained that we only wanted the Silver card because we wanted the XXXX elite miles toward status on XXXX XXXX. We called several times seeking the Silver card, and each time were told that we first had to apply for the Red Card, and then after 3 months of using the Red Card we could upgrade to the Silver card. We were told that all expenditures on the Red Card would transfer to the Silver card as would the fee we paid for the Red card. So we applied for the Red Card, paid the fee, and used the card exclusively for 3 months ( forgoing use of other cards that offered other benefits ). In mid-XX/XX/2018 after we had used the Red card for more than 3 months, we called to upgrade to the Silver card. However we were told that there would be no more upgrades to the Silver card for the rest of XX/XX/XXXX. We were never told that upgrading to the Silver card was merely an option that Barclays bank could cancel at any time during our use of the Red Card. Had we been told that, we would not have applied for, paid the fee, and used the Red Card. We wanted the extra status miles based on our card usage for XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to express my continued frustration and concern regarding the presence of late open accounts on my credit report. This letter serves as my second attempt to request the correction of these inaccuracies. I have the right to an accurate and up-to-date credit report. The presence of these late open accounts not only violates the FCRA but also undermines my ability to access credit, secure loans, and make sound financial decisions. I kindly request that your agency conducts a thorough and comprehensive reinvestigation into these late open accounts, reviewing the documentation I have previously provided and any new information that may be relevant. It is imperative that you take immediate action to correct these errors and ensure that my credit report accurately reflects my payment history. Furthermore, I expect your agency to notify all the credit reporting agencies to which you have disseminated this erroneous information, as required by law, to prevent the continued spread of these inaccuracies. I urge you to prioritize this matter and provide a written response within the legally mandated 30-day timeframe, confirming the correction of the late open accounts on my credit report. With this, I am asking for your assistance to correct or remove the accounts : XXXX XXXXXXXX Balance Owed : {$7200.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00}.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX, working with XXXX XXXX XXXX, imposed hefty up-front fees based on a false promise that they would sell timeshare quickly. They issued a credit card to collect the debt. 
They never sold the timeshare and yet are charging {$4500.00} for a service they never performed. 
Both companies are based in XXXX, MO.
Product: Debt collection

I am urgently requesting the removal of an inaccurately reported item from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX Despite my efforts to verify and correct this with the furnisher, no action has been taken. Please fulfill your legal obligation under the FCRA and update the account to reflect its closed/never-late status.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I checked my credit report and found that this company has submitted a request to view my credit report without my consent. Whatever application that was submitted that caused this company to pull my credit was submitted as a result of fraud. My apartment was broken into and several identity documents were stolen. I have attached a copy of the police report I filed. I have NOT spoken to this company on the phone and any claims saying I have is not accurate. All communication regarding this inquiry has been through the CFPB.
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

i recently reviewed a copy of my consumer credit report and noticed i had fradulent accounts on my report, Please remove these accounts from my report they are hurting my ability to obtain credit.
Product: Mortgage

Summary : In summary, I am writing this complaint because Citizens Bank sent my mortgage statement extremely late, with a statement date not aligned to when the statement was actually mailed, and little to no time to send in a payment. I previously submitted a complaint to Citizens on this and have not heard back. 

Full Story : I originally applied for a mortgage through XXXX who then sold my mortgage to Citizens Bank ( aka Citizens Financial Group ). A couple of days ago, I noticed that I never received my first mortgage statement. I knew that it would be due on XXXX, so I went through the process of signing up online. This was honestly fairly difficult as their website is not intuitive, despite me being extremely tech savvy. I put in a complaint with Citizens at that time about not receiving my statement and the difficulty I had in trying to pay my first payment through their website or on the phone due to long wait times. Today ( XX/XX/XXXX ), I finally received my first statement. The date on the statement is XX/XX/XXXX, but it was mailed on XX/XX/XXXX. I am not sure what the industry standard is, but receiving a statement within 4 days of it being due is just not enough time, especially with it falling around a weekend when mail services are limited. Luckily for me, I was able to make a payment online and get it taken care of. However, if this happened to an elderly person, someone was out of town for a couple days, or a multitude of other situations, this could have resulted in missed payments and negative marks on someone's credit score. I am extremely disappointed with this level of service and am extremely disappointed that my mortgage is now through this bank, forcing me to do business with them for the next 20 years.
Product: Money transfer, virtual currency, or money service

I placed an order for currency on XX/XX/XXXX, was charged, but the currency was never delivered. Case number XXXX. 

I am being told over the phone " it is being escalated '' and " they have to respond to the case '' but it has been nearly a month with no reply, and no way to contact " them. '' I do not want to dispute this charge.
Product: Debt collection

This is not my debt. I don't live in XXXX I live in XXXX.
Product: Debt collection

I'm not sure if this is the correct category, but XXXX different debt collectors are contacting me for the same debt. I setup a payment plan with XXXX XXXX XXXX  for a XXXX XXXX  credit card debt. I am now receiving texts and emails from True Accord requesting payment for this same account! I have a photographic memory, so when I saw the exact amount of the debt they were requesting, I double checked my payment plan with XXXX  and it's for the EXACT same amount and card number ending XXXX. 

If I didn't remember the amount, I would have setup ANOTHER payment plan for exact same debt. 

This is absolutely illegal and fraudulent behavior. How can XXXX different companies attempt to collect the same debt?? Either XXXX XXXX double sold my debt, or XXXX and True Accord are intentionally double dipping. How many other consumers have they done this to? How many debts have been double-collected?? Someone needs to investigate this. Should I cancel my repayment plan with XXXX? Who is the real owner of this debt? Have I been scammed and I'm now paying the wrong person XXXX payments?? I literally don't know what to do. I was threatened with legal action, so I set up a payment plan with XXXX  and now I'm questioning who I gave my bank account information to!!
Product: Credit card or prepaid card

This issue is related to a previous complaint about a replacement card which was a switched to a XXXX. After speaking to Chase United credit card services, I was informed that the only way forward for me to keep a Chase XXXX, and avoid any kind of migration, was to move to a Chase United Explorer XXXX card, which meant changing the terms of my agreement and fees. This was due to a fraudulent use of my card online. 

As I was assured that this was the only way to keep a XXXX product and not a XXXX product, I went ahead despite having further disappointment to find out I wouldnt be elegible for benefits for a new card member. I have been using my new card and today, I received a XXXX stating that I had the same credit limit as the XXXX.I understood I would have that XXXX for a year under the terms I agreed to. 

XXXX XXXX XXXX was the specialist I was referred to by another representative. I dont understand why I keep getting misinformed and told multiple scenarios. XXXX went back to the original like, of well, you have to. This is not what my recorded agreement of terms said. The previous rep said this card was likely not working because there was no account, I cut it up. I cant take the responsibility and have recently claimed a card was lost when it was in my purse. This has led to XXXX about my financial affairs. 

Chase hasnt responded to my previous complaint in a timely fashion, by they keep sending either cards with old numbers or XXXX  that were agreed would not be used. I dont understand what was the point of making me agree to different terms to keep the XXXX if this was inevitable, I seek a discussion with someone from corporate to keep using the XXXX ending in XXXX for a year. 

Important : please see attached picture. Nowhere clearly is the change from XXXX to XXXX made apparent. 

Thank you, XXXX XXXX