23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage and bank are both Wells Fargo. Every two weeks, they automatically reach into my main account and pull half the payment for the mortgage. This is fine. I also pay extra. Sometimes every week, sometimes not. It varies how much I can pay. Recently, it 's been {$100.00} dollars every week with billpay that goes to the mortgage. Most of the time it is applied to the principle, that I can tell. I had some extra money that I chose to pay into mortgage, {$1000.00} dollars. When I transferred it, the money just sat in the mortgage account, but not applied to the principle. About a week later I called them to ask why. They said that it went into a " suspense '' account because it was n't enough for whole payment. But, they already have whole payments when they pull them out. This was supposed to go to principle. They said they would shift it around, but they did n't do it right. Several hundred dollars off of that XXXX did n't make it into the principle. I called a few days later, and they said they would try everything again. 

I requested an audit on my mortgage from the beginning of the loan, 4 and a half years, to verify that all payments are going where they are supposed to go. They wo n't do that. They only say that they have now " re-coded '' my loan so that any future extra payments will now go to the principle. They 've been taking their share automatically since the beginning of the mortgage. Why was n't it " coded '' that way from the beginning. 

I suspect that WFB has been cheating me from the beginning.
Product: Debt collection

I was never contacted about this debt nor given any information about where it came from or what entity it is owed to. I believe my personal information was sold and this collection is due to fraud and identity theft. I have been contacted by the IRS about my identity possibly being stolen and was sent Letter 5071c. I have reason to believe this is proof enough that my identity was attempted to be stolen and that this attempt to collect a debt is due to that.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform.dispute using Zelle numerous times and reporting discrepancies, my financial institution and Zelle fails to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking these transactions was unfeasible. The CFPBs finding indicate that Zelle had not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want somebody to please pay attention to my letters and the proof I keep sending in!!!!! I sent 5 letters and I'm not getting any help with my credit reports. 
I am having a few problems with XXXX because they are ignoring my letters and the evidence that I mailed in. I'm trying to buy a house and XXXX is stopping me because so many problems with my credit report. I hope this agency is able to help me with my consumer rights because I am being ignored by XXXX. 

# 1 Problem with XXXX is I sent a letter to XXXX on XX/XX/XXXX asking them to remove someone else name and date of birth from my credit report and they did not delete the incorrect names or birthdays. I sent my driver 's license and utility bill so they can correct my name, birthday and address and XXXX FAILED to make the corrections. My credit report dated XX/XX/XXXX is attached still showing someone else name, birthday and addresses on my credit report. I want this deleted right away! XXXX has no excuse to have somebody else information on my credit report. 

# 2 Problem with XXXX is On XX/XX/XXXX I sent XXXX a letter and a copy of my credit report with my driver 's license again because someone else accounts are on my credit report. XXXX claimed they verified this but it's impossible because I know for a fact the account not mine. I wrote a letter to Americollect to get information on the account and they did not send me anything either. Americollect is on my credit 4 times and I never been to XXXX XXXX of Wisconsin. I also wrote to XXXX and XXXX XXXX because this account also belongs to someone else and XXXX and XXXX is still ignoring me. 

# 3 Problem with XXXX is 2 Collection accounts XXXX XXXX XXXX is showing 120 days late. XXXX XXXX  XXXXis also showing 120 days late on my credit report. I wrote to XXXX and asked them to delete this and again, my letter was ignored. I wrote to the collection agency also and asked who the original creditor is and how are they reporting a collection account 120 days late because I know I read something that said a collection account cant be reported late on a credit report because thats against the law but XXXX and XXXX ignored my letters. My credit report is still showing this collection account as late. 

# 4 Problem with XXXX is that I sent XXXX another letter on XX/XX/XXXX about the accounts still being on my credit report after I provided proof that the accounts couldnt be verified accurately and my letters keep getting ignored. XXXX did not respond to my letter and none of these collection companies responded to my letters.
Product: Debt collection

I sent AD ASTRA a proof of validation letter and they sent back two letters one that states my credit limit was {$360.00} and the other letter shows a balanced owed of {$720.00}. I have received two different letter stating I owe two different amounts. AD ASTRA is reporting false inaccurate information on my credit profile.
Product: Debt collection

on XX/XX/XXXX, I received a call from a collection company, " XXXX XXXX XXXX '' out of XXXX, Nevada ( XXXX XXXX XXXX XXXX XXXX, XXXX, Nevada XXXX. Phone # ( XXXX ) XXXX. They are stating that they have been trying to contact me since XXXX. They stated that they were contracted by Wells Fargo and that they want to collect bank fees from a Wells Fargo bank account in the amount of {$830.00}. I asked them to email me proof of this debt and that I would pay it. They emailed me a letter on their letterhead with a supposed Wells Fargo account #, the letter just says balance XXXX. They can't provide any documentation for the amount owed. I called Wells Fargo and they say that I don't owe them any money and that they don't show a judgement or a collection account in my name. Furthermore, they said that if I owed them money, they have my personal information and that they would have contacted me directly. In their phone call the representative said that if I didn't pay that they would report this collection to my credit and to XXXX XXXX and they would sue me. They also emailed me a letter threatening to take legal action against me.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payment on an account that I in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments and I've attached a copy of my report to this complaint on the following dates : XXXX XXXX XXXX XXXX XXXX. I'm now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Product: Bank account or service

Wells Fargo is refusing to respond to theft and remove a hold on accounts. {$100000.00} plus is missing from the account through wire transfers, forged checks, on-line bill pay, credit card and XXXX XXXX XXXX cashed at Wells Fargo XXXX location. Also, checks from Credit cards and other banks were cashed through Wells Fargo XXXX location.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM the consumer, in fact, am a victim of identity theft and pursuant to 15 USC 1681c-2 I am re-questing the block of such information resulting from such identity theft from my consumer re-port. I am fully aware that pursuant to 15 USC 1681c-2 ( c ) the consumer reporting agencies have the authority to decline or rescind requests to block information. My request was not made in er-ror nor is there any material misrepresentation by me the consumer so my request should not be declined.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, someone fraudulently applied for a Lowes credit card in my name, I immediately contacted the credit guarantor and they launched an investigation. The result was that fraudulent information was used in the attempt to obtain a card with my ssn. The persons application for the card was not approved. SynchronyBank stated that they would begin the process to remove the hard inquiry from all three of my credit bureau reports. To this day, XX/XX/XXXX, the inquiry remains and has NOT been removed. This was AFTER I submitted a complaint to CFPB and the XXXX concerning this matter.
Product: Debt collection

On or around XX/XX/XXXX I received an email notification that I had a package ready for pick-up at XXXX. I was confused as I had not ordered anything and the label said " Hold at Location ''. The box contained an XXXX XXXX XXXX XXXX, which I did not order. 
I contacted the company that sent it, which is XXXX XXXX XXXX. They did not have an account for me and had no idea why I was sent a phone. Since the Federal Trade Commission states items not ordered but still sent can be kept or sold, I sold the phone on XXXX XXXX, XXXX. 

On XX/XX/XXXX I received a letter from a collections company named Halsted Financial Services saying I owed {$1300.00}. Letter says original creditor was XXXX XXXX XXXX and the current company that owns the debt is now XXXX XXXX XXXX XXXX. 

I called my local Police department on XX/XX/XXXX and filed a report. Police officer advised it sounds like ID theft.
Product: Debt collection

I was instructed to get CareCredit in 2015 and I was supposed to have XXXX XXXX XXXX corrected. I was paying the card but the company charged me more money than services rendered. I was charged for XXXX, an XXXX, and XXXX  that were never delivered. I contacted the company and they refused to get back with me or refund the money to the credit card. This is illegal. They work they rendered was TERRIBLE and I  paid for it already. I reached out and no one will help me. Now I am being sued for the remainder of the money which I did not even use and they are charging interest. I have paid XXXX. I owe XXXX that I never used and they are suing for XXXX.
Product: Vehicle loan or lease

Is byrider/XXXX lured me into a predatory car loan by selling me a car that is defective.. The car is worth a fraction of the amount it was sold for and it is defective and unsafe to drive.. Within the first month the car was in the shop because I experienced the car shutting off while driving.. The car has been in the shop every month for this same problem and every time they say its fixed I experience the same thing of the car just shutting down while I 'm driving. Recently this has oucured 3 times in 1 day and happened on the highway and almost got me seriously injured or killed by a 18 wheeler.. I 've been paying for this car for 8 months and have n't driven it the last 2 months.. I 'm well within my warranty for mileage.. I do n't feel the car is safe to drive and not worth the amount I would be stuck paying. Which will be even more with the 21 % Apr.. I turned the car in on a voluntary reposession..
Product: Mortgage

Rushmore Loan Management Services is the servicer on two of my mortgages, XXXX established XX/XX/XXXX and XXXX established XX/XX/XXXX. Neither escrow accounts accrued interest required by Maine state law.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Account name XXXX XXXX XXXXXXXX XXXX  Account number XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I opened a Robinhood XXXX account for the purpose of buying and sending Bitcoin. The account was opened with {$1000.00} within one hour my account was restricted and I no longer had access to withdraw it back to the bank, or any other function on the app. Robinhood has 3 customer service numbers I called all of them, they are 100 % automated with Nobody to talk to, to remove the restrictions. I have requested support and sent emails to RH every day since the account was opened. Still no response and I still have {$1000.00} in the account. I would love if there was an XXXX  somewhere who can get my money back to pay for a burial plot. Robinhood XXXX has Stolen my money and I Pray someone can get it back to me. Thanks!!
Product: Credit reporting

I have an account from XXXX Account number ending in XXXX in which they had issued me a XXXX ( see attached file ) and cancelled the debt. I am requesting to have the account removed from my Credit History and all Credit Reports or identified a XXXX resolved and closed account so as not to adversely affect my Credit Score. 
I can be reach via e-mail at XXXXXXXXXXXX or called at XXXX Best regards XXXX XXXX XXXX
Product: Debt collection

I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I 've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the XXXX tracking.My official complaint is against STELLAR RECOVERY. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I 've completed the proper steps, XXXX notify creditors XXXX police report XXXX informed the state of Texas. The individual I 've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX, XXXX PLEASE REMOVE ALL ACCOUNTS! AS PER THE GUIDANCE FROM CFPB THE DOCUMENT NEEDED AS A LETTER FROM THE ADVOCACY GROUP HELPING ME DUE TO XXXX XXXX FINAL RULE 1002.142 ( B ) ( 4 ) -5-1002.142 ( B ) ( 7 ), I KINDLY REQUEST THAT YOU BLOCK ALL INFORMATION FROM MY CREDIT REPORT WITHIN 4 BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. I AM A VICTIM OF XXXX XXXX XXXX XXXX XXXX  AND WOULD LIKE FOR ALL LISTED ACCOUNTS TO BE BLOCKED AND DELETED FROM CREDIT REPORT! PLEASE DELETE THE FOLLOWING ACCOUNTS 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: Credit reporting, credit repair services, or other personal consumer reports

I made my mortgage payment on time for XX/XX/2019 but Ive been reported to the credit bureau because the company failed to include an {$8.00} increase due to my interest rate fluctuations. However I continue to have this issue often whenever my rate changes. Whenever I make a payment I never state the amount but when asked I always state to make the regular payment which clearly means what ever is due. The last time I had this issue I was told that the system sometimes doesnt have the same account information before if the payment was made on the weekend and my argument was thats a company problem.XXXX XXXX doesnt allow you to speak to anyone unless you fax which makes it very difficult to resolve a problem immediately. XXXX  XXXX XXXX never treated me like this but this new trade is causing me many unnecessary stress. I pride myself in maintaining a good payment history and credit report. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

i have fraudulent inquiries on m credit reports i reached out many times and they did nothing to help me
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity Theft. An unknown person has been using my identity to open bank accounts, rent houses and apartments, open credit cards, obtain loans and other fraudulent activity. They have been using my identity to my knowledge since 2016. Accounts opened fraudulently in my name includes XXXX XXXX  ( XXXX ), XXXX XXXX, XXXX XXXX  XXXX, XXXX, XXXX XXXX and more. There have been addresses on my credit reports, jobs, businesses and telephone numbers that have been fraudulently used without my permission. I have tried contacting these companies to report the problem but they all respond with " I am liable for the account '' based on their " payment history information ''. I have disputed these accounts With XXXX, Transunion and XXXX. XXXX  has successfully updated and deleted the fraudulent accounts from my credit report. Transunion as also deleted some accounts from my report excluding XXXX XXXX  XXXX ( XXXX XXXX ) which still remain on my Transunion report after multiple disputes and Identity Theft Report sent. XXXX  have not removed anything from my credit report after calling and disputing the fradualnt transactions by phone and sending 2 deputes by mail with NO RESPONSE! Someone has been living their life for years pretending to be me, using these accounts to live a normal life while I suffer unable to get jobs, apartments, credit cards etc because of Identity Theft. Under the Fair Credits Act 15 U.S.C. 1681, I am requesting this information to be removed.
Product: Credit reporting

My TransUnion credit report presents with ( XXXX ) addresses that are not mine : XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX, XXXX XXXX. I have repeatedly requested that these addresses be removed and they have not been removed as of yet. In addition, TransUnion reports the following information that does not belong to me : 1- XXXX XXXX XXXX, XXXX, XXXX/XXXX/XXXX, {$940.00} 2- XXXX, XXXX/XXXX/XXXX, {$0.00} 3- XXXX XXXX, XXXX/XXXX/XXXX , {$110.00} 4- XXXX XXXX XXXX, XXXX/XXXX/XXXX , {$0.00} 5- XXXX XXXX XXXX, XXXX/XXXX/XXXX , {$8500.00} 6- XXXX XXXX, XXXX/XXXX/XXXX, {$89000.00} 7- XXXX XXXX, XXXX/XXXX/XXXX, {$1900.00} 8- XXXX, XXXX/XXXX/XXXX, {$89000.00} 9- XXXX XXXX, XXXX/XXXX/XXXX, {$110.00} 10- XXXX XXXX, XXXX/XXXX/XXXX, {$3500.00} 11- XXXX, XXXX/XXXX/XXXX, {$4000.00} 12- XXXX, XXXX/XXXX/XXXX, {$350.00} 13- XXXX, XXXX/XXXX/XXXX 14- Judiciary PG Court, XXXX/XXXX/XXXX, {$170.00} 15- XXXX XXXX, XXXX/XXXX/XXXX, {$420.00} 16- XXXX, XXXX/XXXX/XXXX, {$590.00} Please remove these items
Product: Credit card

My synchrony venmo credit card was spontaneously closed by synchrony bank on XX/XX/XXXX. The closure letter stated that it was that it was due to " unusual payment or purchase activities. '' When I asked for clarification, I was by told customer service that the reason for closure was actually " concern that I would not pay my balance, '' regardless of the fact that I have paid every single balance and have never missed a payment, ever. 

I am filing this report because I did not receive my {$300.00} in cash back that I accumulated during that statement period. A first call to customer service said it would be automatically credited to my account the next billing statement, which did not happen. A second call to customer service said I had forfeited the cash back when my account was closed. 

However, synchrony 's own credit card rewards Terms and Conditions for this card states here ( XXXX XXXX XXXX XXXX XXXX XXXX If your Card Account has a New York mailing address, you will be able to redeem any Cash Rewards that you have accumulated for up to 90 days after we send you notice that your Card Account is closed or the Program has been modified, cancelled, closed or terminated ( subject to the availability of Cash Rewards ). However, Cash Rewards will be forfeited at Card Account closure if the account was delinquent or if the Card Account was closed for fraud or other misuse. '' My account has a New York mailing address and the account was never delinquent, not closed for fraud, and was not misused. I therefore sent a formal demand letter to Synchrony on XX/XX/XXXX to request my cash back within the 90 day period. I received a generic letter reply stating that more information was required and to call customer service. I spoke with account XXXX XXXX on XX/XX/XXXX who escalated my concern and told me I would hear back in the next XXXX hours. Instead I received the exact same generic letter as before on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

It has come to my attention that SELFXXXXXXXX XXXX  is reporting my transactions for account # XXXX with its company to the consumer report. You have reported a transaction on this account on XX/XX/ between the consumer XXXX XXXX and SELFXXXXXXXX XXXX and according to the FCRA 15 USC 1681 A ( 2 ) ( a ) ( 1 ) except as provided in paragraph 3 the term consumer report does not include reports containing information solely as to transaction history between XXXX XXXX and SELF/XXXX XXXX my transaction history is excluded from the consumer report. Delete this transaction history from the consumer report.
Product: Mortgage

We switched insurance providers in XXXX of XXXX. The previous insurance provider- XXXX XXXX XXXX- was already paid from mortgage escrow for the period of XXXX. This resulted in a refund for the partial year in the amount of {$6400.00} which was refunded to Fay Servicing back in XX/XX/XXXX. 

Fay Servicing has not credited our account yet after around XXXX months. Even after many attempts and hours trying to get our money back, Fay has not been at any help to let us know why we haven't received it yet and when it's planned. After a long phone conversation of close to XXXX hours on XX/XX/XXXX, the rep finally " found '' the refund, but insisted they still need to post it or whatever, which has not happened yet. 

I need the money back, plus compensation for many hours wasted and the inability to use the money ( which resulted in interest on other debts ).
Product: Credit reporting or other personal consumer reports

I noticed a new account on my credit report which took at least XXXX point of my credit on the top of it appears in my credit report all of them XXXX, TransUnion, experian affecting me in a really disgusting way. This account doesnt belong to me its been opened illegally and reported to that lender. You demand Im under the law the inmediate removal of this item account that I dont reconize as mine. Searching the internet I have found that this SELF company through XXXXXXXX XXXX is misleading people offering a credit builder account that instead increasing the score take points and it appears on my credit as an installment loan which I ever authorized or have use or recieve from them.