23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have a financial hardship that started XX/XX/XXXX. By XX/XX/XXXX, I started falling behind on my mortgage with Wells Fargo. I immediately contacted my servicer stating that I was having financial difficulties. XX/XX/XXXX, they proceeded with the forclosure process. I responded immediately that I wanted to bring my loan current and stated that I needed a repayment plan to catch up, but they denied my request along with all my previous requests for a forberance plan and repayment plan. I was denied of my legal right to bring my loan current. Instead, I was railroaded to different departments for several months without a cleaar answer, neither in writing or by telephone. I contacted XXXX, attended their conventions several times without success of achieving a repayment plan. They only offered loan modifications or relocating assistance. This whole time, all of my requests have been ignored. It has always been my intention to pay my mortgage and continue with the loan terms as they are. I am holding Wells Fargo responsible for ignoring my request and their delaying tactics that cost me an enormous financial harm and the possibility of losing my home.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Requesting you Block and Remove Fraud from My Consumer Report I am contacting you about the compromising of my social security number. I am a victim of a Data Breach/ Identity Theft. I contacted the Federal Trade Commission and filed an FTC Report Number : XXXX  which is attached. Please block and remove all information from my credit report and send me an updated copy of the credit report. 

Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. 

1.Identity Theft. 
XXXX Account XXXX I need to see all bank transaction that belong to this company that would proved my payments were not accepted on time or you need to removed these unverified late payment 2.Identity Theft. 
XXXX Account XXXX Please investigate and delete from my credit report. 
XXXX XXXX XXXX XXXX XXXXXXXX Please remove it from my credit report. 
4.Identity Theft. 
XXXX Account XXXX 5.Identity Theft. 
XXXX XXXX XXXX XXXXXXXX Please ensure that all information is accurate XXXX Theft. 
XXXX Account XXXX I need to see all bank transaction that belong to this company that would proved my payments were not accepted on time or you need to removed these unverified late payment 7.Identity Theft. 
XXXX Account XXXX XXXX Theft. 
XXXX XXXX XXXX XXXX XXXXXXXX have not supplied proof under the doctrine of estoppel by silence XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  i my presume that no proof of the alleged debt nor therefore any such debt in fact exists Failure to respond satisfactorily will result in a small claims action against your Agency. I will be seeking damages but not limited to and each violation is a statutory cost of {$1000.00} each Per 15 U.S.C 1692k : 1. Defamation of Character 2. Negligent Enhancement of Identity Fraud 3. Violation of the Fair Credit Reporting Act 4. Violation under 15 U.S. Code 1681o - Civil liability for negligent non compliance 5. Violation under 15 US Code 1681n ( b ) - Civil liability for willful non-compliance 6. Failing to comply with 15 USC 1692 ( g ) 7. Violation under 15 U.S. Code 1681b Permissible purposes of consumer reports 8. Under 15 U.S.C. 1681i ( 7 ) Method of verification 9. Violations under 15 USC 1681 a ( 4 ) right to privacy 10. Violations under 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports I expect this letter to be taken seriously and I demand this fraudulent account be blocked and removed from my report as I have provided you with the required pieces of information. 

Sincerely, XXXX XXXX
Product: Debt collection

To whom it may concern : I recently received a copy of my credit report. I am concerned about the accuracy of the information being reported. Please investigate the following accounts as I don't believe the information to be accurate. 1 Please remove the following inaccurate address from my credit report : XXXX IL, XXXX XXXX XXXX XXXX # XXXX You did not con XXXX XXXX XXXX # XXXX According to the FCRA, accounts that have been disputed by the consumer must be notated as such. Your failure to investigate this account, and notate it as such, is a violation of the Fair Credit Reporting Act. Please remove immediately.

15 U.S.C. 1681 is a section of the Fair Credit Reporting Act ( FCRA ) that establishes the purpose and congressional findings of the act. The FCRA governs how consumer credit reports are accessed, and it aims to protect the accuracy, fairness, and privacy of personal information
Product: Debt collection

I was contacted by the debt collectorin regards to an account that i missed making a regular monthly payment on due to multiple personal issues at that time. I entered into an agreement of XXXX monthly and set the payments up on recurring monthly payments. I have received a letter today, informing me of the Account XXXX at {$0.00}. I called the toll free number so that they could stop taking out my recurring payments as the balance is XXXX. I was informed that is not true and the balance is XXXX payments totalling XXXX left on the account. Their representative then wanted to renew the agreement. I told him no, if there are still payments in the system then what is the error and why is he saying I dont have a valid agreement on file. This is wrong. Their representative today wanted to redo the original agreement and I refused and told him not to touch the account until this is resolved. I have uphelp my part and have not missed a payment with the recurring payments and they want to punish me by sending me a letter stating agreement balance {$0.00} and still want to take out the 25 monthly I originally agreed to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file.The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, my husband deposited money in my account at the ATM of the bank we do business with. Soon he received a call asking for the primary of the accounts which is me. My husband said don't you have it. The man hung up. I was doing a XXXX pickup order on my phone. When I finished I went to pay and it said insufficient funds. I knew the money was in, so I thought it just a data hangup and would send through again later. I'm not sure how long after, but I checked the balance on my bank app. It showed XXXX. XXXX paid out through XXXX. Also I am primary for two other accounts. One is my husband and one is my son 's. My son had XXXX paid out through XXXX to same phone number. My husband had XXXX paid out through XXXX  to same number. I immediately called my bank and told them the whole problem. They transferred to fraud dept. Immediately shut my account down, since it was all done with my primary account. So I had to change everything. They responded by the allotted time they are required to. They gave the money my husband and son lost back by depositing in their accounts. My account that lost XXXX  would not be given. They claimed that the fingerprint on my phone used and that is impossible for anyone to do. I was stunned. I know I didn't do it, so that meant there has to be a way. I have found several ways it could be done. Why steal my own money? Where did the transfer go to. I asked all these questions and I got long silence then I'm sorry we are not refunding this claim. I then called XXXX to be told this is not their responsibility that would be my bank. I asked if they were working together. Find out where the transfer went. No they are not. XXXX  filed the incident with police and they were dry and unhelpful. I have filed with the FTC and here I am 4 months later still missing that money. It was to pay bills, I have been in arrears since with my utilities. I had to get help from city assistance programs. It was a horrible experience. I still am with this bank till i get money back, so I'm allowed to get documents. I'm constantly watching for fraud. Like a job I watch and monitor. Why would they pay back 2 accounts and not one? I finally heard about regulation E and now I'm here. It's such a blessing we have rights!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have issues with the way this is being reported as it is damaged my credit. The car was repo XXXX  and experian say its derogatory equifax says open. This is an inaccuracy and is en to remove this account from my credit. 
The dates of last activity are inconsistent with each other this is also enough to remove from my credit. Equifax is reporting past due 120 days the other 2 are reporting repo. This is enough to remove or delete from credit.balance on XXXX and equifax are the same while transunion is no showing XXXX. XXXX and equifax are reporting as auto loan and equifax is not reporting at all. XXXX has not reported any months of payments late or not and is not consistent with the others With all this said this needs to be removed
Product: Mortgage

My payments are due on the   XXXX   of each month. Each month, my bank sends by " bill pay ' ', Caliber Home Loans a check on the   XXXX   of each month enough time for Caliber Home Loans  to process the payment before the  XXXX . I have documentation that shows recent payments were sent to their  XXXX   XXXX   and w as scanned in the mail by t he USPS. However, Caliber Home Loans is not processing them until after the late date, thus sending me late notices and charging late fees. Caliber tells me they must process payments within 24 hours, but are not. If they are picking up their mail, then the payments are sitting on someone 's desk. They say its my problem that they are not responsible for the  mail, but it is sent to them and I have no control over how many times they visit the  XXXX   XXXX   . Ev en if we mailed a personal check to them to their  XXXX   XXXX   by their direction, it appears that personal check would not be processed in a timely manner.    I am concerned they are reporting late payments to the credit bureaus and I do n't deserve this type of treatment since they own the above issue.
Product: Credit reporting or other personal consumer reports

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 

XXXX XXXX XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX, XXXX XX/XX/2022 XXXX XXXX XXXX  XXXX XXXX XXXXXXXX
Product: Vehicle loan or lease

During or prior to me being called for XXXX XXXX service, I purchased a vehicle, financed by GM Financial. I, at the very least, made one installment payment before I was called on XXXX XXXX. During or while our I was serving on XXXX XXXX, GM Financial unlawfully repossessed my vehicle without a court order. Accordingly, GM Financial is subject to civil and or criminal penalties arising from a violation of the SCRA. 

On XX/XX/, I sent a letter to GM Financial ( through counsel ) explaining my position and demanding a resolution including a plateau of military orders as supporting documentation. 

On XX/XX/, GM Financial sent me a letter ( through counsel ) stating that they relied on the XXXX database verify XXXX XXXX time ; however the XXXX does not cover periods of XXXX XXXX time performed by reserve servicemembers. Therefore, upon request, I provided GM Financial additional copies of military orders on or around the date of repossession and for one year prior as they indicated they would reevaluate their findings.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized inquiries on my credit report. Unauthorized inquiries are as follows. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I tried resolving the matter directly with no results.
Product: Money transfer, virtual currency, or money service

I made a transfer via PayPal from my linked bank account to my brother. PayPal advertises that those types of transfers are free. 

I received a notice from PayPal indicating the payment came from my bank account and saying my brother will receive {$2000.00}. 

My brother got a notice from PayPal indicating Money received + {$1900.00}. 

In other words, PayPal misrepresented to me that there was no fee, but PayPal charged the {$58.00} ( 2.915 % ) fee to my brother and delivered only the net proceeds to my brother.
Product: Credit card or prepaid card

Was set up on a payment plan where they pulled a monthly payment every month. After almost a year of being on the plan and never missing a payment they decided to send my account to collections. No warning, no offer to re-evaluate monthly payment. How can a company agree to accept a monthly payment and then a year later decide to send you to collections?
Product: Debt collection

Third party collection company that has no contract with me posted personal information online on multiple sites. Demanding payments for a debt that was not validated and verified. Identity theft is being reported. Company has no record of business license in my state, i m also reporting to XXXX XXXX, XXXX and IRS
Product: Checking or savings account

On XXXX/22 I received check # XXXX in the amount of {$1000.00} as payment from XXXX XXXX XXXX, XXXX. On XX/XX//22 I deposited said check to my Chase checking account via my mobile app. 

Moneys in the amount of the check were never released into my account and on XX/XX//22 Chase closed my checking account because they couldn't verify the funds from CHeck # XXXX which I tried to deposit check into. Upon contacting chase I was told that the check was flagged for fraud and that it was being held in a chase reserve account that I do not have access to. 

I contacted Chase Bank both in person and via telephone countless times and have not been provided a solution. Chase states that they need a verified phone number and all the numbers I have provided them doesn't match what they have in their system. I'm quite perturbed since the numbers I provided Chase with has been used for XXXX XXXX XXXX, XXXX well over 15 years and can be found on the companies website as well. 

I have been told by Chase there is nothing more that I can do because the Fraud department doesn't speak to anyone or accept emails. XXXX, the representative I spoke to on behalf of Chase ( stationed out of a call center in Texas ) also mentioned that they can hold the funds up to two years and then the funds will be released to the state. 

I've also discussed with XXXX XXXX, XXXX of XXXX XXXX XXXX, XXXX, the company retracting funds, however, because of the funds clearing, she was unable to grant my request. 

Attached please find the cleared copy of the check - on behalf of XXXX XXXX XXXXXXXX, and XXXX XXXX XXXX, XXXX. Also attached is the correspondence XXXX presented Chase with. 

Please let me know if you need any other verification or documents.
Product: Debt collection

Caine Weiner Progressive is trying to collect a debt that is not mine in the amount of {$150.00}. Caine Weiner never contacted me about a debt or the collection. Caine Weiner made no contact with me and I'm not able to judge the accuracy of that debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

There have been issues with my credit report in the records of the Credit Bureaus. After reviewing my records, I discovered several files that are unfamiliar and clearly unrelated to me. As a diligent individual, I conducted research and learned that, according to section 605b of the FCRA, the Credit Reporting Agencies are legally obligated to remove any accounts and information that have been opened due to fraudulent activities. These disputed items unquestionably do not belong to me, and I have attached the necessary FTC documentation, which I obtained through thorough research. I request the prompt removal of the following items : XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. If the Credit Bureaus still believe there is a possibility that these accounts belong to me, I must insist on receiving all documentation bearing my signature, as I have learned that the Credit Bureaus are required to verify each account with 100 % accuracy, ensuring it is true, accurate, correct, complete, and verifiable. In the event that the Credit Bureaus fail to provide any records and claim that the items are verified, please understand that I will be left with no option but to pursue legal action. My attorney and I do not appreciate any games, and we urge the Credit Bureaus to comply with the law to resolve this matter expeditiously.
Product: Debt collection

First Loan ( Tribal Loan ). Claims that I took a loan out in the amount of {$850.00} now resulting in a debt of over {$2000.00}. Was turned over to collections with XXXX XXXX at Tribal collection agency. I have stated that I dont even know what this is for. I have told them to stop contacting me. There is nothing about this on my credit report. They need to stop threatening to garnish my wages from my employer they have no court order against me. I have never even heard anything from them until they called my employer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX referred to hereafter as " XXXX '', owns an old Capital One credit card account debt from XXXX. On XX/XX/XXXX, I received several letters from XXXX that contained a few copies of some of the Capital One monthly statements ( none in any type of order ). On XX/XX/XXXX at XXXX XXXX   Eastern Time, I called XXXX ( spoke to a rep named XXXX XXXX and her supervisor ) to inform them that they are reporting incorrect information because based on the Capital One statements, the account was charged-off on XX/XX/XXXX and based on Capital One policies, accounts are charged-off 6 months after the date of first delinquency ( DOFD ) if there are no attempts to bring the account current. The supervisor ( did not get her name ) informed me that the DOFD according to Capital One was XX/XX/XXXX but XXXX purchased the debt XX/XX/XXXX and that's the new DOFD. I explained that they aren't allowed to change the date but she claimed to not understand what I was saying. She eventually told me I could just dispute the debt again but their Dispute Department was closed for the day. After getting off the phone with her, I called back ( XXXX XXXX  ) to request that the information regarding the true DOFD be emailed to me, I spoke to a supervisor by the name of XXXX. He informed me that my issue was above his title and the only thing he could do was accept payment for the account, I declined. I then called Capital One ( XXXX @ XXXX XXXX ) to request copies of the credit card statements. I spoke to a rep named XXXX ID : XXXX and she informed me that they no longer have access to that information since the account was sold to XXXX. She was able to tell me that the account was charged off on XX/XX/XXXX, I then asked for confirmation that accounts are charged-off 6 months after non-payment, she confirmed. All I am asking is that the DOFD be updated to reflect the correct information of XX/XX/XXXX but I am unable to get any assistance. I have disputed this several times with XXXX XXXX and XXXX  but I have not gotten any results. I even tried to call XXXX again after getting off the phone with XXXX and the automated system stated that I should be able to speak with a rep if I hold for " greater than 2 hours. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint on XX/XX/XXXX about derogatory credit reporting from Experian. The complainant was closed today ( XX/XX/XXXX ). Not only did they not provide an explanation for the initial complaint of my credit score decrease on XX/XX/XXXX but as of XX/XX/XXXX they decreased my credit score again. This is a credit score decrease twice in one month. They even put high credit usage on my report. However, the one credit card I have only reports once a month on the XXXX of every month and the last time they reported on XX/XX/XXXX, in which reflects my XX/XX/XXXX credit report, I was only at a 19 % percent credit usage out of a {$500.00} credit limit, with a {$97.00} balance. I am going to contact my Local State Attorney office. This is insane and blatantly derogatory reporting practices. Once again I am keeping a XXXX XXXX of all the violations and discrimination caused by Experian. My credit score went from XXXX ( reported on XX/XX/XXXX ) to XXXX ( reported on XX/XX/XXXX ). I am definitely getting everyone involved from the XXXX and local XXXX Attorney. I will be forwarding all my complaints as well.
Product: Credit card

On XX/XX/XXXX, I received a call from a debt collector regarding an outstanding balance of around {$3600.00} for a JP Morgan Chase account I did not open. Initially, I believed it was a scam due to an incorrect address provided by the debt collector. However, after reviewing my credit report, I discovered a closed JP Morgan Chase account opened fraudulently in my name in XX/XX/XXXX. 

I reported this identity theft to JP Morgan Chase, the Police Department, and credit reporting agencies. JP Morgan Chase confirmed the account used my personal information but had incorrect address details. They assured me their fraud department would investigate. I also requested fraud alerts on my credit accounts to protect against further misuse. Their fraud department has ruled that the account is valid and I subsequently opened another investigation on XXXX. 

The fraudulent account had been used for suspicious activity, including cash advances, small repeated transactions, and other charges I did not authorize. Payments to the account were refunded in a manner indicative of fraud. 

Actions Taken : 1. Police Report Filed : On XX/XX/XXXX, I filed a police report affirming the identity theft. 
2. Communication with JP Morgan Chase : I reported the fraud and spoke with multiple agents on dates including XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. 
XXXX. Fraudulent Charges Identified : Review of the account revealed patterns of fraudulent use. 
4. Credit Reporting Agencies Notified : On XX/XX/XXXX, I contacted credit reporting agencies requesting removal of the fraudulent account and placed fraud alerts on my credit files. 
XXXX. FTC Report Filed : I filed an identity theft report with the FTC.