23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We were with Wellsfargo Mortgage XXXX between XXXX they sold our Mortgage with any information into reasons why! We were never late couldnt get any understanding from them on several occasions! Trying to understand???
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has had me locked out of my credit report for over a year, they keep lying and saying they will send me a copy, I kept complaining how inaccurate it was on the app so they locked me out of accessing it, I cant even order it online, and when I call they tell me theyre mailing it and dont ... I have excellent credit and anyone who checks it through them denies me and said theyre telling them my score is XXXX ... It isnt ... Every single hard inquiry they have needs wiped because they provided misinformation on them checks and I was denied things I shouldnt have been denied over it and can prove it ... XXXX XXXX sent me a letter telling me they said my score was XXXX and thats why I was denied ... All the other agencies have the right info ... I have asked they fix it over a year now and they still havent ... I have asked for a copy of the corrected report for over a year and they never send it just say they will ... At one point they had almost everything on my report wrong clear to my name spelling and social security number ; and when I sent the copy of the report back with the corrections that needed made hand written in and requested a corrected copy all of this started where they locked me out of viewing my report and refused to send a corrected copy ... I want all the inquiries wiped they provided the wrong information to those companies and I want to see my report ...
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 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

On XX/XX/2022 I received a letter from a debt collection company called Convergent Outsourcing. It gave an address on XXXX, WA. The letter stated I owed XXXX {$140.00}. I confirmed today with XXXX billing that I owe them nothing. Moreover, XXXXXXXX  stated they had not sent my account number XXXX had not been sent to any collection agency. However, the Convergent Outsourcing letter referenced this account number. Convergent Outsourcing 's account number for this collection attempt. is : XXXX. 

Recently, I paid a XXXX bill for {$70.00}. XXXX also billed {$71.00}, due XX/XX/2022 ; however, I was told, orally at a XXXX store, that the latter sum was to be pro rata reduced to only the amount owed for XXXX days of a month in which I discontinued service temporarily. Therefore, XXXX XXXX representative told me, I should not pay the {$71.00} but should wait for a credited sum to offset almost all of it. 

I have e-mailed Convergent Outsourcing to dispute the {$140.00} they claimed I owed. Web search reveals other customers of XXXX have made similar complaints about Convergent Outsourcing
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found unauthorized inquiries. I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : Creditor : XXXX XXXX XXXX XXXX Date : XX/XX/year> and on XX/XX/year> Best Regards, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is reporting 30 day lates on XX/XX/20 & XX/XX/20 and I was never late. I have had an account for a very long time and I had moved so I didn't get my statement. But I called in & made a payment with a representative over the phone & set up future payments. I thought this was paid ( Even though I wasn't even working due to COVID - I still ensured I paid on time ). Once I got the notice I called immediately. You guys also closed my account after all these years and this wasn't even my fault. 
Please remove the late off of my credit file as those 2 lates were not my error.
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items.

US DEPT ED XXXX Balance : {$3800.00} US DEPT ED XXXX Balance : {$2200.00} US DEPT ED XXXX Balance : {$3400.00} US DEPT ED XXXX Balance : {$2400.00} XXXX XXXX Balance : {$9100.00} ( Original Creditor : ) XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX  Balance : {$1000.00} USDOE/XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

I have a mortgage lien on my home from the Bank of New York Mellon f/k/a The Bank of New York, as Trustee for the Certificateholders of XXXX, XXXX, Asset-Backed Certificates, XXXX XXXX c/o XXXX XXXX XXXX XXXX. The interest rate on my loan is over 10 %. They have set a foreclosure date for XXXX/XXXX/XX/XX/XXXX I want them to produce ORIGINAL signed documentation that they have legal right to lien or foreclose my home ; showing they are the legal holder of the mortgage note. If they can not produce the original signed documentation they must cancel the foreclosure hearing. " Robo-signed '' documents are not legally accepted therefore they must produce the originals.
Product: Credit card

I put in a dispute for a credit card charge that I did not do. I went to XXXX XXXX back in XX/XX/2024 for a birthday trip for my fianc. She left her purse which had a lot of our personal banking info and charge cards in it with one of the workers because you could not bring a bag into the section. Once we got back, we noticed we were charged on our credit card for a charge we did not do and also a charge on my bank account for a purchase I did not make from the same company. Navy Federal gave us a temporary credit, did not ask us for any more information and then put the charge back on our card.
Product: Debt collection

I have been receiving at least 2-3 calls a day from XXXX XXXX XXXX. They have called my parents, my in-laws, my brother and my husband repeatedly. They called from different numbers each time. When I talk to them they are very rude and say I am playing games and that I am irresponsible. I have explained to them many times that I do not work, I have no income and to please stop calling. They keep calling me non stop. This week alone they called me 4 times on XXXX/XXXX/XXXX, my husband and myself, once each on XXXX/XXXX/XXXX, my husband on XXXX/XXXX/XXXX. They called my in-laws twice that I know of 2 weeks ago. 
They lie and say my husband setup a payment arrangement, which I know is not true. 

These people are rude, they talk over you, never letting me explain my situation. They never say they amount that is owned. They WILL NOT send something in the mail, they say they CAN NOT do that. They have called so many people that I know that it is embarrassing.
Product: Credit card or prepaid card

On XX/XX/XXXX, I had a payment returned payment that I had made to Continental Finance aka XXXX. Once I realized the error, I made a payment of {$120.00} ( XX/XX/XXXX ) and {$80.00} ( XXXX ) to cover and then a regular payment of {$30.00} on XX/XX/XXXX. Today, when I looked at my account, my balance has increased from ~ {$500.00} ( on XX/XX/XXXX ) to {$600.00}. I have not used the card in months. 

I called the company around XX/XX/XXXX to inquire about the balance and what transactions make up the balance due. The customer service rep just kept saying I was past due and needed to pay {$120.00} asap. 

I have asked several times for a statement of charges/payments but they will not provide. When I look under statements online, it just says " no statement available ''. 

I can not figure out why my balance keeps increasing, although I am making payments. I realize there is a late charge and a returned check fee but I have paid {$230.00} over the last 2 months so I should be up to date. My current payment due is {$160.00} and I can't get the company to tell me why or what transactions have posted to my account. How is it that I continue to pay ( haven't used the card in 2 months ) but the balance keeps increasing?
Product: Mortgage

My fiancee and I have a joint mortgage that we got through Wells Fargo Home Mortgage. A condition of getting this mortgage was enabling auto-debit, so our mortgage payments are automatically taken out of our bank account every month. 

During the month of XXXX, my fiancee and I opened a joint checking account. We updated our bank account information in Wells Fargo online banking. At no point did I see an option to enable or disable auto-debit, and at no point was I ever warned that auto-debit would be disabled. When looking over my bank statement at the end of the month, I realized that no mortgage payment was taken out of my account. I logged in to see that I had my XX/XX/XXXX payment >30 days past due and my XX/XX/XXXX payment several days past due. 

I called Wells Fargo, who informed me that when you switch checking accounts, you need to call them to have them manually re-enable auto debit. I was not warned of this at any point during the process. Wells Fargo also assured me that this wouldn't be reported to any of the credit reporting agencies. I made both payments and I am current on my mortgage. 

During the 30+ days my mortgage was past due, Wells Fargo made no attempt to call me, email me, or send me a letter to let me know I was past due on my mortgage. They did, during that very period of time, call me to offer me credit cards, deposit accounts, and investment services. 

2 days later I received a notice from XXXX that my credit score had dropped from the mid-700 's ( pristine credit ) to XXXX because I was delinquent on my mortgage. I have called Wells Fargo several times over the past three weeks and have been told " well, I don't know what you want us to do ''. They also said that they had no phone number for me. No phone number ... .the same bank that called me not 1 week prior to say " because you have been a great customer of Wells Fargo Mortgage , we would like to offer you a special rate on a credit card! '' I have spent a lifetime making debt payments on time. Not one blemish, not one late payment, not one single reason to think I am anything short of being as creditworthy as the US government. My fiancee and I make over {$300000.00} a year combined. These payments are literally no trouble at all for us to make. I need Wells Fargo to remedy this situation, which was entirely their fault.
Product: Student loan

I have been paying my student loan on a monthly basis yet my balance seems to continue to increase. 
Representatives are not consistent with information. I 'm told something different each time I call regarding my loan and payment options. Something does not seem right with this servicer!
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Balance : -, XXXX  XXXX Balance : -, XXXX  XXXX XXXX Balance : {$300.00},, XXXX XXXX XXXX XXXX Balance : {$17000.00}, XXXX XXXX XXXX XXXX Balance : {$700.00}, XXXX XXXX XXXX XXXX XXXX XXXX {$770.00}, XXXX XXXX XXXX Balance : -, XXXX  XXXX XXXX Balance : {$0.00}, XXXXXXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX Balance : -, Bankruptcy XXXX  XXXXdismissed Filed on XXXX XXXX, XXXX Reference number : XXXX Court : XXXX XXXX XXXX GA XXXX, Bankruptcy XXXX  XXXXdismissed Filed on XX/XX/XXXX Reference number : XXXX XXXX : XXXX XXXX XXXX GA XXXX XXXX, Bankruptcy XXXX  XXXXdischargedFiled on XX/XX/XXXX Reference number : XXXX Court : XXXX XXXX XXXX GA XXXX, XXXX XXXX XXXX  Inquired on XX/XX/XXXX,
Product: Checking or savings account

My checking account has charged me {$3.00} a month for mailing me statements when I know I wanted email statements at time I opened the account. I didn't even notice the statement fee at first but it appears to have gone on for months. Also the bank is charging me like {$8.00} a month because I do not use my debit card 5 times in every month. I am XXXX and unable to work but I do not get XXXX so I have little money in first place. Then I spent a week in XXXX  in XXXX and XXXX weeks in XXXX. If I'm not working and dealing with XXXX  issues I don't use the debit card enough. Somehow the repeated $ XXXX  monthly fees and {$3.00} statement malling fees, my account is actually negative.
Product: Checking or savings account

On XX/XX/year>, I called Vio bank and spoke to the bank about changing my account over since my balance had grown to over the FDIC {$250000.00} limit for being insured. I advised the bank person what the issue was, and she informed to complete an external transfer. The trial deposits were completed on XX/XX/year> and I went to Vio bank 's website and completed the transfer as I was told to complete by Vio bank. 
On XX/XX/year> my old account in just my name ending in XXXX XXXXXXXX received accrued interest {$130.00}. I tried to access this account, and XXXX 's website would not let me transfer the interest to the new account. 
I called Vio bank on XX/XX/year> and spoke to XXXX XXXX and explained to him about not being able to transfer the interest to my new account XXXX XXXXXXXX. He placed me on hold for about XXXX minutes researching the problem. He stated that he wanted to make sure that this interest in fact belonged to me and said that if not it would be taken out and he did not want me to go through this. After about XXXXXXXX XXXX XXXX came back and informed me that he was advised that the interest was in fact mine and he took the freeze off of the account so that I could complete the transfer. He stayed on the phone with me while I completed the transfer. 
On XX/XX/year>, I called XXXX at Vio bank and told him about the interest being pulled back out " Advice of XXXX. '' He stated that he would take care of it and get back with me. 
On XX/XX/year>, I called asking to speak with XXXX which she couldn't get in touch with, so I asked to speak with a supervisor named XXXX. XXXX stated that he was working on the issue, and she would have XXXX to give me a return phone call. 
On XX/XX/year>, I called and spoke with XXXX at Vio bank. He tried to reach out to XXXX, and he would not answer. XXXX stated that he would have XXXX to call me back today, that he was apparently with a customer. 
I have not received a return call to date, after several attempts. I have no alternative but to reach out for additional assistance. 
I would like to receive the interest that is rightfully mine instead of the bank trying to steal it from me. I have been very patient, and my patience has come to an end. 
I would like my {$130.00} returned to me along with the interest accrued on this amount that took from me. 

Please help, XXXX XXXX XXXX
Product: Mortgage

My loan was tranfered from XXXX to NEWREZ in XXXX. XXXX was supppose to send a letter about my escrow balance of {$4000.00} in late XXXX. I never revieved it. I contacted NEWREZ in XXXX to verify the fund and they emailed me the same letter and told me they would investigate. In the mean time they are charging me forthey shortage. I have contacted them several time in the past few months to resolve the issue and everytime they tell me it will be escalated. I have talk to customer service reps and their supervisors. The escrow department can not be contacted directly by customers. I have been told it would be investigated several time but still no resolution. A few of the people that Have have talked to are XXXX, XXXX XXXX, and most recently today ( XXXX ) was XXXX XXXX. Again I have been in constant contact onece a week or more since XXXX about this. 2 weeks ago I was told and check would be sent out which I did not recieve. I called again onXX/XX/2020 and the told me that it is be investigated again. Today just talked to XXXX XXXX and she that they was no one available to revolve it at this time. PLEASE in need assitance on this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX multiple disputes was made on these unknown accounts in the amounts of {$320.00}, {$450.00}, {$100.00}, {$4700.00}, {$8500.00} and {$9900.00}. I also reached out to the companies and all three credit bureaus, Experian, transunion and equifax to have them remove from credit and provide proof of an investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I usually don't monitor my credit I am in the process of buying a home and I see several accounts listed that I have never opened.
Product: Debt collection

Midland Credit Management They keep calling my cellphone number from different autodialer numbers. Today they called at XXXX XXXX  PST and left a voicemessage. 

They also are now listing this as a late payment on my credit report but are not the original creditor. This is from 2015 and statue of limitations has run its course. It is time barred, but they are listing the last payment as the last 30-60 days to make it seem like it is current debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted request asking that duplicates and items that were over 7 years old be removed from XXXX, Equifax and XXXX. Letters were submitted in XX/XX/. The duplicates remain on my credit report and it affects credit score.
Product: Debt collection

Credit Solutions Corporation has been attempting to contact me regarding a debt that is not owed. I have spoken to two different representatives and told them both that the debt is over 8 years old which twice the length allowed to collect consumer debt in the state of California and past the 7 years allowed federally. I asked them to please stop calling me regarding this matter however a representative calls around once a month still. 

I have just received a letter in the mail from the company attempting to yet again collect the debt that is no longer owed. They have also filed a remark on my credit reporting regarding the debt despite me previously disputing this debt and having it removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, The consumer never gave any written consent to report anything on my consumer report. No consent is identity theft. Having these in accuracies has caused me to lose confidence in the banking system.
Product: Mortgage

My mortgage switched from my original lender/servicer to a new servicer - Mid America Mortgage - on XX/XX/XXXX. 

I had made my XXXX mortgage payment on XX/XX/XXXX to my original lender, but they transferred that payment along with the loan to the new servicer. That payment was lost in the shuffle and Mid America didnt find/apply the payment to my account until XX/XX/XXXX. My account with Mid America wasnt active until XX/XX/XXXX and, despite several attempts to pay online and over the phone, they were not able to process any payment attempts until it was active in their system. On XX/XX/XXXX, I paid the XX/XX/XXXX and XX/XX/XXXX payments at once. Because of this, neither of those payments were applied in XXXX and I am not getting any credit for the XXXX, and XXXX payments on my XXXX taxes. 

Additionally, my property taxes were due on XX/XX/XXXX, in the amount of {$2400.00}. It also was lost on the shuffle and it took my calling Mid America several times to get them to pay the amount from my escrow account. Again, this payment was not applied to my XXXX taxes. More importantly, the escrow amount they were claiming they received was not accurate. They said they would looking into the issue and call/email me to confirm the correct amount. I never received a call. 

The other issue is that the customer service reps at Mid America do not seem to have training and I only seem to get anything accomplished when I connect the customer service representatives from my previous lender with the new service reps at Mid America. And to get in touch with Mid America I consistently have to wait on hold for 1-2 hours before speaking with anyone. Only to be disregarded, told its another department ( which Im not allowed to speak to directly ) and promised a follow-up call from them, which I never receive. Im so sick of dealing with their ineptitude, sitting on hold, and not getting help. And I have zero control over who services my loan. This is a such a frustrating company to communicate and work with. And they have dropped the ball so many times. This is my first mortgage on my first home and the bottom line is I cant trust them to provide quality service or keep accurate records of my payments, escrow amount, or even to make payments on my property taxes on time. Someone needs to kick them into high gear. Its also worth noting that they openly admit that Im not the only customer experiencing these mistakes and my previous lender is getting quite a few complaints from borrows whol theyve transferred to Mid America. I need your help! We all do!