23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX XX/XX/XXXX  XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX  XXXX XXXX XXXX, SC XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX  ) XXXX Balance : {$1200.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$310.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$950.00}
Product: Student loan

Last year I was on an income based repayment plan that was {$97.00} a month. My wife has {$60000.00} in student loans and we have XXXX children as well as an additional family member living with us, my wife can not work and I am the only person bringing in an income. My income has not changed. I applied to recertify my IBR and they failed to review my spouses student loan debt even though she authorized them and I have proof. My full regular payment which I have been paying for the past two months- since my IBR expired is {$340.00}. I have proof of payments and a letter from AES stating so. So now they have proceeded to approve my XXXX for a payment of $ XXXX an amount that is HIGHER than the full payment. They have lied and said the full payment is $ XXXX even though I have all the supporting documentation that the full payment is {$340.00}. I have emailed them numerous times as well as requested a complete breakdown of their figures and they have not provided this. I have wasted 2 months going through this process. Why would they approve my for an IBR for a payment that is higher? Why would they put someone through that? I need a manager to tell me the truth- with the honest figures, and for them to stop lying. We are in a worldwide pandemic, and clearly I am applying for an IBR because I can not afford the full payment. It is incredibly uncaring that they would make me go through this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a consumer by law. This complaint is not sent in error. I never gave written consent for you to report my private information protected by federal law. I am seeking compensatory damages for these violations.
Product: Credit card

While on a cruise in XXXX, I opened up a credit card with Commenity for Diamonds Intl. I was told I had 6 months to pay the balance. I got my card in late XXXX and starting doing my payments. I was planning on paying off the outstanding {$3900.00} in XXXX. I completely forgot and when I called today I learned I was charged {$1100.00} in interest! I told them if they could help me out with the interest charge, that I was paying in full today. The agent said no, I asked to speak to the manager and they said no as well. I find this completely abusive. this is over 20 % interest for 1 month, shouldnt this be annual rate? Can you please help me? This is not what I signed up for and was completely misled.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has been non-compliant with removing the unverified account XXXX which has been deleted by XXXX and XXXX  . XXXX and XXXX  have both completed their research and determined that XXXX was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit card

I have been a loyal customer of Chase Bank for over XXXX years. I had a checking account, and multiple credit cards with them. I always made my card payments on time, and never missed a payment. However, last week Chase closed my bank account, and canceled all my credit cards with NO NOTICE or explanation. Chase Bank did not make ANY attempt to notify me of this drastic action : no letter, no email, no phone call. I am still making timely payments to their cards, and being charged interest, without being allowed to use the cards. 

I found out that there was a problem when my credit cards were declined at a gas pump. I immediately contacted Chase Bank to find out why this happened. I have spoken to several people at my bank branch, including the bank manager. They were unable to tell me why it was happening to me. I also contacted people in other departments, and they were unable to give me an explanation for why they closed my bank account and canceled my credit cards. I have done NOTHING wrong! 

Since they closed all my credit accounts, my credit is now destroyed. I have been a loyal customer for XXXX  years! I am shocked that this is happening to me. Their action has quickly ruined my credit. In a few months, I need to apply for a new apartment, so this also affects my ability to find housing. 

Chase Bank needs to be held accountable, and must reverse this decision, and give an explanation. Perhaps someone in their office made an error, as this makes no sense at all. As a banking institution, they should be trustworthy, and know how to do their job effectively. I am a hard-working member of society. I have a job, I have a XXXX, I pay my bills on time. Something needs to be done immediately to reverse this action. This is wrong, and not ethical. Chase Bank has destroyed my livelihood.
Product: Mortgage

My mortgage was sold to Greentree last XXXX after 2 months with them I was told I had a {$1700.00} escrow shortage 2 months after that they told me my payment would be increased again because now I had a {$1500.00} shortage last month I get another escrow analysis and now they want another {$2000.00} so in XXXX and a half years I owe them over {$5000.00} in escrow shortage my property taxes are {$4600.00} .Nobody in thier so called customer service seem to know anything I do n't know what they are doing with my escrow payments but something is n't right this place is a nightmare.I see ditech has taken but the damage is done and I dought they are going to be any better since that are really the same company. I do n't know where to go to get help with this and get honest answers.
Product: Checking or savings account

My Wife received a letter from Wells Fargo Remediation Subject : Update on potentially unauthorized Wells Fargo deposit account you may not have authorized, which has since been closed. 

States : Impacted account ending in : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to dispute an item on my credit report from Comenity Bank/Victoria 's Secret. The item in question is a series of late payments that were reported on my account from the summer of last year. I am requesting that this information be removed from my credit report as it is inaccurate and has negatively affected my credit. 

During the time period in question, Comenity Bank/Victoria 's Secret experienced a system outage that impacted the ability to make online payments. This outage resulted in long wait times on their customer service line and made it impossible to make payments for the months in which the late payments occurred. I was not alone in this experience, as many other customers also experienced difficulties during this time. 

After several attempts to resolve the issue, I was able to speak with a manager at Comenity Bank/Victoria 's Secret who assured me that the late fees would be waived and that they would take back the months of reported late payments on my credit report. However, I have since discovered that this has not occurred and the inaccurate information remains on my credit report. 

The inaccurate reporting has had a significant negative impact on my credit score and has made it difficult for me to obtain credit when needed. Despite having no balance on the card currently, I would like to continue using this card once this issue has been resolved. I request that this item be removed immediately from my credit report. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account with XXXX my account is in excellent standings and has never been late. the last time XXXX reported my balance of {$520.00} to the credit bureau was last XX/XX/2020 we are in XXXX 2020. I have reached out to XXXX 's customer Service in XXXX and spoke to a young lady who confirmed my balanced was cleared to {$0.00} and would report in a week.I also asked her to send a copy of my last two statement balances so I can send to the credit bureaus. she confirmed they would be mailed out to me. XX/XX/XXXX it reported the exact XXXX balance {$520.00}. In XXXX I did not receive my statements as promised and XXXX was reporting the same XXXX information! I disputed it with XXXX, Equifax  and XXXX. Although I had a XXXX balance with XXXX for 3 months the disputes came back accurate in XXXX with only XXXX reporting Information. I called XXXX AGAIN in XXXX and spoke to a man this time he also CONFIRMED my balance was showing as {$0.00} and HE would mail out my last 3 statements which never came in the mail. In XXXX my last attempt was calling XXXX XXXX  XXXX XXXX XXXX XXXX , XXXX  XXXX XXXX XXXX XXXX XXXX Utah XXXX ... They assured me my credit file would be updated with the XXXX  balance reflecting in my account they also said they would send my statement balance for the last 3 months. I NEVER RECEIVED MY STATEMENTS I ASKED FOR 3 TIMES. AS OF TODAY XXXX XXXX  IS REPORTING XXXX 'S BALANCE OF {$520.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to express my concern about a violation of my rights under the Fair Credit Reporting Act. Specifically, XXXX # XXXX has violated my privacy rights under 15 USC 1681 section 602. As a consumer, I have the right to privacy and to control the information that is shared about me. According to 15 USC 1681 section 604 A section 2, a consumer reporting agency can not furnish my account with my written instructions. This means that I have the right to decide who has access to my credit information and how it is used.

Furthermore, 15 USC 1681a definitions ; rules of constructions - exclusion - except as provided in paragraph, the term consumer report does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report. This means that any report that contains information about me must be accurate and based on actual transactions or experiences. 
Finally, 15 USC 1666B states that a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purposes. This means that I have the right to make payments on time and not be penalized for doing so.

I am aware of the " Opt Out '' requirement detailed in subsection ( b ) of 15 U.S. Code 6802, and I understand the definition of " nonpublic personal information '' as provided in subsection ( e ) ( 4 ). I expect that my rights under the Fair Credit Reporting Act will be respected and that my privacy will be protected.
Product: Credit reporting, credit repair services, or other personal consumer reports

While disputing inaccurate information with XXXX XXXX XXXX, XXXX and Ad Astra replaced the previous Speedy Cash account they removed in XX/XX/2019 back on my credit report XXXX XXXX. 

Now they have XXXX and Ad Astra reporting duplicate accounts with inaccurate non validated information while XXXX has not provided the information I have requested per my CFBP complaints. 

Both Ad Astra nor XXXX have provided and account information to validate the amounts or the information to me that they have reported to credit bureaus. 

Please refer to Speedy Cash response to CFBP complaint # XXXX where they confirm that Ad Astra closed this account.
Product: Mortgage

The servicer does not send me a monthly bill for my HELOC without issue. I do not have online access either even though it has been requested. Since the amount fluctuates, its important that I receive a bill.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies in 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 : Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Experian XXXX XXXX I have contacted the credit bureaus several times to make them aware that the XXXX late payment posted on my credit reports is incorrect. Ive contacted the merchant of the credit card company ( XXXX XXXX ) who agreed that it shouldve not been reported as a late payment by bureaus and I asked it to be removed effective immediately as its incorrect and untrue false reporting by breaus.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 I received two international transfers of XXXX Euros each into my account at JPMorgan Chase. It was sent by the XXXX government owned railroad ( XXXX ) and represented XXXX payments. Chase has publicly waived all fees and charges in connection with such payments but charged me anyway. The Euro value on XXXX was reported XXXX and they paid me XXXX a charge of almost 3 %, or {$440.00}. This is related to my earlier complaint ( XXXX ) where Chase reimbursed me the charge of {$420.00}. In connection with these wires, I have been totally stonewalled and the person assigned ( XXXX XXXX ) has refused to call me back or send a promised letter ..
Product: Mortgage

XX/XX/XXXX, Borrower 's notification to Wells Fargo Home Mortgage as to their response made pursuant to Real Estate Settlement Procedures Act ( RESPA ), as to documentation of invoices paid by them to to their Attorneys as foreclosure fees and cost in the amount of {$4400.00}, which said foreclosure proceedings were commenced on XX/XX/XXXX, and full mortgage reinstatement amount of {$25000.00}, was paid on XX/XX/XXXX.. 
Accordingly, said entitled mortgage foreclosure proceedings was never completed, and their Attorney 's Validation Notice calculated Attorneys Fees and Costs to be {$2000.00}, as of XX/XX/XXXX. 
XX/XX/XXXX, Wells Fargo Home Mortgage stated in its letter, among other things, " We've determined the items [ paid invoices charged to Mortgage Account ] you requested are considered to be confidential, privileged and/or proprietary information of Wells Fargo. For this reason, we're unable to provide the documents requested. '' Moreover, Wells Fargo Home Mortgage, refuse to substantiate by documentation ( i.e., receipted and paid invoices ) as said amounts were recorded in the customer Account Activity Statements -XXXX XXXX XXXX XXXX that RESPA request issue is a service related matter in the mortgage servicing documents. ( Over-stated and unearned fees paid and charged to Borrower 's Mortgage Account )
Product: Credit reporting or other personal consumer reports

XXXX XXXX Social Security XXXX, Date of Birth : ( XX/XX/XXXX ), This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, transition credit reporting agency , remove information XXXX XXXX Inquiry 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 as a collection this is the result of identity theft and fraud, remove all listed inquires and accounts within 4 business days of you receiving this complaint. These inquires and collection have resulted in several fraudulent atemps appearing on my consumer XXXX credit report. I've attached a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or negative accounts listed above. The aforementioned accounts, inquiress, collections, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

After review of my credit report, I found that the XXXX XXXX XXXX had me in collections. First and foremost I never had a Credit Card with the XXXX XXXX XXXX. When I contacted them they had ABSOLUTELY NO KNOWLEDGE OF MY HAVING ANY ACCOUNT WITH THEM OF THEIR ASSOCIATE BANKS... So they stated that I should contact Jefferson Capital System, LLc. I did. I sent Jefferson Capital Systems a Debt Validation Letter.

I was told by Jefferson Capital System that my account with them was paid years before and that this account long ago should have been removed from my credit file. 
When I informed them that it was still on my credit report they said they did not understand why, They told me they would send me a letter to verify this. 
I do not understand why the XXXX XXXX XXXX  has me in collections when I have never had a Credit Card with them. And even if they are the bank that issues Credit Cards for another company, then that company should be the one to place me in collections not The XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I Am the victim of identity theft and several account, personal information and inquiries have been reported to my consumer report. I have addressed this issue with multiple creditors. I want to make sure that your company is not validating fraudulent and inaccurate information.
Product: Credit card

Amex has a XXXX XXXX XXXX which allows charges to be paid in monthly increments. Every month there is a specific amount in my minimum balance due that is allocated to the plans. There is NO TRANSPARENCY as to how much was applied to each plan Furthermore there are plans I opened XX/XX/XXXX for {$210.00} that STILL have a balance, as well as XXXX others which Amex is NOT applying any money to. Again, they refuse to give me details on HOW and WHERE they are applying the money I believe it is a subsidiary in XXXX and whenever I speak with XXXX department ' they just talk in circles telling me I hav to pay above the minimum. My most recent statement shows a previous balance of {$6300.00} - XXXX absolutely paid at least {$700.00} toward the plan ( according to my statement ) YET no payment is shown as applied from my XXXX payment in addition the balance increased approximately {$120.00} The people in XXXX constantly tell me I have to pay the " adjusted balance ' rather than minimum. The statement closing XX/XX/XXXX reflects payment of {$640.00}. This is shady and inconsistent Why would they collect a partial payment for XXXX it ' and not apply it? Furthermore why do I have plans open for XXXX  years and XXXX  months. I need XXXX XXXX to step in Something is WAY OFF and the application of my payments is XXXX XXXX being withheld from me despite my asking numerous times, the last time being XX/XX/XXXXXXXX XXXX
Product: Vehicle loan or lease

My attorney received a letter from XXXX  on XXXX XXXX stating that the account from VW Credit was no longer on my credit file. I reviewed my credit file on or about XX/XX/2019 and VW Credit account was still on XXXX. This account was settled though a lawsuit against VW Credit, and they paid off the account in full, yet it states on my credit file as a collection/chargeoff, and unpaid balance reported as a loss by credit grantor ( see attach ) Also on XXXX, it's showing as Repossession, as oppose to showing as a paid off vehicle ( see attach )
Product: Credit card

On XX/XX/XXXX, again, I received a letter from Bank of America branch addressed, XXXX XXXX XXXX, XXXX, TX XXXX, asking me to submit more information on something, which I can not guess because there is no claim number and I have many issues at hand.
Product: Mortgage

- I am waiting on the dates PAID and no payments missed now waiting on personal bank to provide the payments was made and some payments that was said missed that I paid was actually not missed and the SPS that is the Lenders name is now putting me in foreclose in XXXX when Ive none stop since XXXX have provided checks to them proving the payments was made and taking out of the account. Then they would make me miss the next months payment cause they said the payment was PAID TOO EARLY to make the payment the same month as your payment month. I did that sent in beginning of month they would wait for the due date then couple days later they would then cash it then say was late on payment making more fees. I have called them 4 years now with none stop harassment saying I have not paid a XXXX payment from XXXX gave them that payment then it was then another month and year. its a cycle that has not stopped Ive even showed them after requesting what dates\months was misses then getting back papers showing I paid, didnt do no good they always did another form of date and years. 
Ive never had one problem with any mortgage company but this one has been since they XXXX let them take it over. I have went to my Governor and she gave me a list to go through to assist me and Ive contacted them all today saying in detail all theyve done and have done for 4 years. They allowed payments this year on XX/XX/XXXX through XX/XX/XXXX to be paid, but then XXXX they sent the payment back stating they are not accepting our payments anymore that it does not cure the debt and I have to pay in full XXXX and no personal check can be used only a WIRE TRANSFER, cashiers check or Certified Check. The numbers are not adding up at all and stopping my payment in XX/XX/XXXX has made it to where they was able to proceed with a foreclosure that theyve threatened me with many many of times and I know for a fact we have paid them many of times when I was threatened over XXXX XXXX  and to later find out through bank there was not a payment missed. I have account information from bank all the way back to XXXX from when they took the account over. I order them from the BANK so I could show proof of all payments and early payments. There is a lot of proof and the numbers of interest and my principal on home does not add up for one split second. When they first got my loan it was high XXXX owed maybe less have to get more paperwork out of file but after 4 years only with a XXXX fix rate I STILL OWE XXXX.
Product: Mortgage

I was not notified by my mortgage company Wells Fargo that my loan was sold to another company. The law states I need to be notified 15 days before.