23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

This is not the first time that Wells Fargo has been irresponsible with the handling of my account, they did the same exact thing during my Mortgage Closure and did not bother to offer me a solution. Now, they are mishandling my Escrow payments and deducting more than required without my knowledge or consent! 

I finalized my Home Insurance for {$580.00} from XXXX XXXX and they agreed to bill my Mortgage company XXXX Wells Fargo ) for that. But when I reviewed my Escrow statements, I found that Wells Fargo has deducted {$600.00}, which is {$26.00} more than what is required. 

I tried contacting the bank via phone and their agent told me to route all enquiries regarding Escrow payments to " XXXX '', so that their Escrow team will review the information and get back to me. 

Now my concerns are : 1. Why did Wells Fargo charge my account more than what was required?

2. I sent the email on XXXX and has not got a response yet! 

Like I said, this is not the first time Wells Fargo has mishandled my account. They conveniently forgot to deduct the Broker Commision from my Final Closing amount, which was around {$10000.00}. When I asked about their apparent failure & responsibility they just said " sorry '' and corrected the issue. I don't think I will be granted the same privilege if I miss a mortgage payment.
Product: Credit card

I received a call from agent XXXX XXXX XXXX XXXX XXXX XXXX XXXX  regarding a previous credit card application from XX/XX/year> that I had requested the bank to reconsider. The bank is in the process of fixing internal errors regarding my profile. XXXX XXXX called me today and asked me ( and I quote ) do you want us to reconsider the application? To which I replied yes. The agent pulled my credit report without asking for my permission. I never gave my explicit permission for Bank of America to check my credit today XX/XX/year>. If I had known they were going to do that I would have declined the request. Bank of America must notify the affected credit bureaus that the credit pull was done in error and retract it, and train their agents to warn customers and explicitly ask for their permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : DPT EDXXXX XXXX Balance : {$25000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Checking or savings account

On XX/XX/year> I noticed a charge on my debit card for XXXX plate pass for {$1100.00}. I promptly called XXXX and was told that I was going to be given a credit on my debit card for {$1100.00} because it was erroneous charge for a service I did not use. I was told if I did not see the credit in my account within 10 days to give my bank a call and explain the situation which I did. I opened up an investigation into my account and I was told that it may take up to 93 days and in those 93 days I was not going to get a provisional credit. I provided all the necessary documentation which showed XXXX reverse the charge on there end and nothing from sofi bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identiry has been stolen and Experian know this because I told XXXX XXXX an Experian investigater. Again on my Experian Credit Report is an entry linked to XXXX XXXX XXXX XXXX XXXX XXXX updated on the XX/XX/XXXX this is not my property it is my ex husbands property XXXX XXXX I divorced in XX/XX/XXXX. XXXX XXXX XXXX is nothing whatsoever to do with me. Another entry shows my address as XXXX XXXX XXXX linked to XXXX XXXX XXXX, I do NOT have any finance with XXXX this is fraudulent and do not live at XXXX XXXX XXXX.
Product: Mortgage

We were offered a streamline refinance by our mortgage company, XXXX XXXX XXXX. The process began XX/XX/2020. After submitting all required documents, we received conditional approval and were told by our processor, XXXX XXXX out of XXXX, PA that they were just waiting on subordination from our other bank. After that initial communication, they began to be unresponsive and non communicative. 

We would go through weeks that turned into months and several attempts to acquire updates, both by phone and email with no response. I would have to contact the XXXX for him to contact the processor and even with internal communication among employees, there would still be a lack of response and no updates. 

On XX/XX/2020 I contacted my other bank to check on the subordination request from XXXX and they stated they never received any request to complete a subordination. We are now on month 4, going on 5 months pretty soon with no updates or status on what is going on with our streamline refinance. I have written letters to XXXX XXXX and emailed the processors boss with no progress. 

We honestly dont know what else to do ... This process has been very frustrating to say the least.
Product: Payday loan

I took out a loan with Big Picture Loans ' office located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. The loan was for {$400.00} with an interest rate of about 40 %. So I would owe about {$560.00} in the end. I believed to have pay off the loan, but 3 years later they are now contacting me, stating I owe approximately {$2000.00}. I have contacted them and they stated they contacted me via mail. I never received letters and they never contacted me via phone, which was how they contacted me originally. They sent the case to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX USA. I was told I paid off the original balance and only had fees remaining. I paid {$350.00} to cover any fees i should have accumulated. but they claim i still owe over {$500.00}. This is unreasonable. I was not warned of these fees, and they made no effort to contact me. I wish to complain about their service and business ethics.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020, {$2100.00} was charged to my XXXX XXXX for XXXX   work. I did not have the card, my cards are in my safe deposit box. They had the number so they charged the account. On XX/XX/2020 I needed to make my payment, tried online with XXXX XXXX but it wouldnt let me because I didnt have the last 3 numbers on the back, so I called and they let me make a payment over the phone. He asked the card number and I said I didnt have my card, wasnt sure where it was. ( I am not irresponsible with my credit cards, as you can see my Credit score is in the 800 's ) He instruced me that he needed to note the account and would be sending a replacement card.. Before this call my credit score was XXXX, I received a notice from a Credit Protection company that one of my cards was stolen and if I disagree I was to fill out the dispute, which I did. on XX/XX/2020 I received a letter from XXXX XXXX  ( XXXX XXXX ) that the lost or stolen card is put on my credit bureau for 2 years. I have truly lost another card of mine, that company NEVER did report me. As of today my credit score is XXXX, XXXX points!! If i can prove I have the old card will they remove this?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX who is submitting this CFPB complaint myself. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Transunion was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports :
Product: Checking or savings account

I have a case open with the cfpb about the same situation but I just heard back from BOA about another claim that I had that is for the same situation and they denied my claim as well. I was scammed and they say they are unable to pay. Regulation e protects these types of situations. They are refusing to get my XXXX dollars back. The claim was opened on the XXXX th on XXXX. All they told me is to reach out to the merchant but it was a scam. There is no way to get in contact with the scammers. I also have a police report open.
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVED some of the fraudulent items in my file that resulted from an alleged identity theft but I still have ITEMS left that needed to be removed. I was going through my records & noticed these items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove these items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
EQUIFAX : XXXX XX/XX/2023 XXXX : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

The law states that a consumer reporting agency shall block the information on the file of a consumer that the consumer identifies as identity theft within 4 days. Equifax received notice from me over 7 days ago that there is information on my consumer report that is a result of identity theft. I have provided an identity theft report which identifies the items and appropriate proof of my identity. I have also provided a statement in my identity theft report that states that the information I have identified is not related to any transaction by me. Equifax is clearly violating federal regulations pursuant to 15 USC 1681n - willful non compliance. I will be filing a complaint with the Attorney General and seeking litigation if this issue is not resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Checked my credit report and there is an inquiry from XXXX. I have not applied for any credit so this must be an error. Can not find the company online and the XXXX says I have to contact the company. I can't call anyone I don't have information about or can get information about.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and file complaint to EQUIFAX for certain inaccuracies on my credit report, which I believe do not comply with the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ). My name is XXXX XXXX XXXX, and my date of birth is XX/XX/year>. My correct address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The FTC report numbers related to this complaint are XXXX, XXXX, XXXX, and XXXX. Upon reviewing my credit file, I have identified several questionable entries that appear to be duplicative or otherwise inaccurate, with no evidence of authorization or approval by me. These entries do not reflect any transactions, accounts, or activities that I have knowingly initiated, and I believe them to be fraudulent in nature. Under the FCRA and FACTA, I am entitled to dispute any inaccuracies on my credit report and to request that unverified or erroneous information be removed. I formally request that you investigate these items and, if they can not be properly verified, remove them from my credit file in accordance with federal and state law. Per FCRA Section 605 ( 15 U.S.C. 1681 ), I expect that any unverifiable information be removed or corrected, and under FACTA Title 1, Section 151, I am entitled to receive proper documentation proving the accuracy of these entries. I expect a thorough investigation and timely resolution of this matter, and should these entries remain unresolved, I will take further legal steps to protect my rights.
Product: Debt collection

I originally complained about this company on XXXX Reference Complaint # XXXX is attached to this compliant was closed and it was removed from all three of credit burrows. Again The company called XXXX XXXX XXXX has again placed a collections filed and is not providing me with validation that I owe them any money. They are reporting that I have an unpaid debt with them of {$4700.00} but I have never done business with them and I have never received any letters or notices from them. The account number on my credit is # XXXX. I've done some research online and I have only come across negative reviews and complaints by other consumers who have been harassed and scammed by this company. This company has over 462 consumer complaints listed on the XXXX  XXXX  XXXX  'XXXX  website. It is also listed that they are based in XXXX, GA and I have never lived in Georgia in my life. I live in Florida. I do not feel comfortable with this company having my information when I have not authorized them to have it. I will not give my money to a company I do not recognize and who will not tell me why they want me to pay them. In addition to this None of the documents this company has provided in my original complaint as a response shows my signature nor have signed any contact with National Credit Systems. In addition I have never been serviced any documents for my county or state police department. I aske for this company to provide me with documentation that belongs to me with my own signature of acknowledgement of such account. This is not me
Product: Money transfer, virtual currency, or money service

I transferred money to a friend on the XXXX and I paid for express delivery and they promised she would get it on the XXXX. 
It has been more than 10 days that I have been contacting REMITLY. Some days multiple times a day and they keep promising that will get it fixed but so far nothing has happened. I tried to ask about getting the money back and they said that after sending an email it will take up to 10 business days to get the money back. This is a joke that after waiting so long and paying for a express delivery that didnt happen I still have to wait another 2 weeks before getting my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached a file with all incorrect information on my credit report. I went in to a dealership to apply for a car loan and found my credit ran numerous times without my permission, causing tons of inquiries to be added to my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the month of XX/XX/2020 my Equifax credit score was XXXX. On XX/XX/2020 my score dropped to XXXX. The only change on my report between XXXX and XXXX was a decrease of a {$340.00} on a car loan balance and {$160.00} decrease on a home equity loan both of which increased my credit score on my XXXX  report. 

On XX/XX/XXXX my Equifax score went down an additon 15 points. This changes to my credit report this time included a credit card balance increase of {$870.00}, a hard inquiry I submitted an application to refinance my mortage decreases of a couple hundred dollars and car loan decrease of {$330.00}. 

My XXXX  credit score is XXXX. My XXXX  score is XXXX. 

My XXXX, XXXX  and Equifax credit reports have the same accounts and same information. When I called Equifax to obtain the reason why my score dropped 50 points in XXXX he representative said it was due to my credit report. I attempted to explain to her that my score should not drop 50 plus points when my balances decrease. I asked to speak with a supervisor and was disconnected. 

I understand the XXXX decrease of 15 points but the XXXX decrease of 50 points does not make sense. The significant differences in my credit scores has impacted the number of points mortgage companies are requesting to refinance my loans. I have worked really hard to manage my finances so that I can have a good credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email from XXXX, alerting me of my delivery. I have never ordered from XXXX so this was a red flag. I decided to pull my credit report and noticed that I have several names across all three credit companies. XXXX, XXXX and Experian. 

I decided to call the fraud alert numbers listed for all 3 and was able to talk to a representative each time. The first lady, very helpful and what I seem to be as understanding. She asked for my correct information and instructed that my report will be updated and all inaccurate information will be deleted. This has not happened yet, it's been 14 business day.

Each phone call was 30 minutes or more, I'm very unhappy to see that it was a waste of my time. i would like my current address to be present with the correct spelling of my name and employer updated. I don't think this is too much to ask for. 

I have to prove who I am because of someone enjoying a wonderful life with my social as i live in poverty with an eviction on my background. Which is also falsified. Please help me! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX
Product: Debt collection

On Thursday, XX/XX/2018 at XXXX - I received a phone call from XXXX apparently XXXX XXXX . I answered the call, and it was a message that at first sounded like maybe it was trying to say " this message is for ... '' but it was really fast, and I could not actually hear any name, or distinguish words really. Then it switched to male-sounding automated voice that said " this is an urgent matter, we have been trying to reach you, please press XXXX [ or XXXX ] now, and we will connect you with someone who can help. Again, this is an urgent matter. '' Then it starts to repeat the message. I hung up. Then I called the number back within a few minutes, and it is answered by an automated system. It is a womanly voice, saying " Thank you for calling XXXX XXXX. Helping one consumer at a time. If you received paperwork from our office, and know your party 's extension, dial it now or dial zero and a representative will be with you shortly. Please be advised that this is a debt collection company and this is an attempt to collect a debt ... This call will be monitored and recorded for quality assurance. It repeats this message two additional times, and then it will hang up on you. But no one ever answers. So, my problems are 1 ) this number has never previously reached out to me, 2 ) I have received no notifications anytime recently regarding any past due amounts or debt collections from this company or others, 3 ) the only bills I have are all set up for autopay, and doctor bills are paid within a timely manner, so there is no reason for a debt collector to call me, 4 ) If they never answer their phone, then I will never talk to anyone, because I REFUSE to press XXXX or XXXX or any number to talk to someone, if you are calling me then you should be on the phone, or don't call. I strongly feel that this is an attempt to scam people out of money that they do not owe to anyone. I tried to report it to the FTC, and they directed me to this website.
Product: Credit reporting, credit repair services, or other personal consumer reports

My birthdate is incorrect on my Equifax but correct on XXXX and XXXX. It states XX/XX/XXXX when it is XX/XX/XXXX. I sent my Drivers ID for proof. Its been over 30 days since I put in this request.
Product: Credit reporting or other personal consumer reports

The following inquiries are fraudulent and unauthorized by myself and need to be removed immediately. 
TRANSUNION : 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 Iam hereby notifying you that neither on that date or dates similar did I authorize any individual from the listed company to pull or review my consumer report. Additionally, having understood this is a violation of 15 USC 1681 ( B ) ( C ), Both together and separately my consumer and privacy rights are being violated. I would like for you to please remove these items from my consumer repor
Product: Credit reporting or other personal consumer reports

Called company and sent letter by certified mail requesting debt verification never received a response from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : 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 XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX # XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA 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 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 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 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