23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have been trying for 5 months to make my mortgage payment. When I call they add on additional fees that was not reflected in the statement they mail me. So I then work to get the money call back and they have added more fees. I am now in foreclosure. I called on a Thursday to make a payment in full of around {$5000.00}. They said they could n't tell me exactly how much I owe and I would have to call back on Tuesday. I called back and they had added over {$2000.00} fees in foreclosure fees. They said they had to request those fees from a third party that 's why they could n't tell me how much I owed on the Thursday before when I called. My monthly statement did not reflect these fees either. They stated they do n't have to reflect the fees. So now I owe over {$7000.00}. They will not accept a partial payment. It has been a circle of issues with the payment for around 5 months. I call in to make a payment and they tell me I owe {$1000.00} more due to fees than what is reflected on my statement. Basically, I get my statement in the mail, called the day after I received it and they told me I owed {$810.00} more that what my statement showed. I asked them why was it not reflected on my statement and they say they do n't have to. Every time I call now they will not work with me to collect my payment. They say to call back in a few days. I want to keep my house but they are not allowing me to make a payment.
Product: Checking or savings account

I was unknowingly signed up for the Experian XXXX XXXX XXXX checking account while trying trying to freeze my credit. The process was not clear about an additional account being opened as it seemed as though it was in reference to a user account necessary to the freeze credit process with the agency. I did not know I had this account until I happened to see a message in my email inbox recently. I found out that the account had been opened for a good XXXX months, from when I had requested to freeze my credit. 

Of course, clicking on cancel in the account options screen, they only offer cancellation by phone, which will presumably take quite some time on hold. I will have to go through this process but others should not have to. 

This should not be acceptable for a company that Americans have no choice in relying on to prevent fraud and identity theft. 

Thank you, XXXX
Product: Checking or savings account

On XX/XX/2020 I allowed my niece transferred funds into my account from her account because she lost her debit card. I went into the branch to withdraw the funds and the branch manager locked my account. Ive been willing to bring my niece with her bank documents and Id but they wont allow it. Ive asked for them to close my account and return my money they wont. The branch manger is refusing to unlock my account and give me the money. Ive called US bank and they said that specific branch is the only one that can unlock it. Its been a month and my account is still locked. I havent gotten any letters or anything
Product: Checking or savings account

For reasons that Chase bank can not " Reveal '' to me, they are putting a 10-14 day hold on my paychecks. I am employed by XXXX of the most recognized international XXXX  brands in the world, at a location that does well over XXXX XXXX a year in revenue, not to mention no pay check I have deposited in the last 3 months has ever been returned. In fact, I have never had a deposited check returned to this account. Each Time I deposit a check I have to spend at LEAST XXXX hours on the phone trying to get the check cleared. Most Recently, today I spent XXXX hours waiting for a call back, only to have to automated system hang up on me when it called me back, which resulted in me getting back in line for another hour and 25 mins, at which point I had to go to work. When I got out of work, I called again, was placed on hold for almost 2 hours, and then my call was disconnected because the call center closed at XXXX. 

Each time they place a hold on the check, they claim that they have " reason to believe the check will not be honored '' and each time it is honored. How long can they keep holding my money for? 

XX/XX/XXXX : {$760.00} 14 day hold XX/XX/XXXX : {$720.00} 14 day hold XX/XX/XXXX : {$390.00} 14 day hold XX/XX/XXXX : {$880.00} 14 day hold XX/XX/XXXX : {$430.00} 14 day hold
Product: Debt collection

On XX/XX/year>, Kingston Data and credit added a derogatory mark on my credit report ( XXXX and XXXX ) per experian. Upon further research, the the debtor could not provide original contract nor signatures. This account has transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. There hasn't been no written form of communication or contract for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines.According to the FCRA, Kingston Data and Credit has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
Product: Credit card

I was charged {$100.00} in interest by Wells Fargo on the XXXX credit card, even though I have autopay turned on, and have paid my balance in full every month. I believe there is an error on the bank 's side, because I was required to get a new replace card due to fraudulent charges on the previous card. I have contacted Wells Fargo multiple times, and they have opened a case, but it has been two weeks and I still have not received a resolution. I have called back multiple times, but unable to reach the case worker. I have never had an erroneous interest charge with any other credit card/bank, or would have expected what is so clearly a mistake on their part to not result in a instant refund of the bogus interest charge.
Product: Mortgage

I have sent notification to this trustee who is attempting to wrongfully foreclose on my property. By their filing of instruments they are in violation of the Equal Credit Opportunity Act ( codified at 15 U.S.C. 1691 et. Seq. ) and the Fair Credit Reporting Act ( codified at 15 U.S.C. 1681 ). 
Trustor is exercising his/her right to conclude and inform you that your NOD Instrument does not constitute Notice and is invalid under California Gov't Code 27201 et. Seq. Specifically, the legal sufficiency of the Filed Instrument is disputed and denied by Trustor. 
Because of this discovery we have demanded that the trustee cancel TS # : XXXX. To this date, and to our knowledge, they have failed to cancel the Trustee 's Sale. 
I believe that if any attempt is made to execute the Trustee Sale identified above, they will be acting with Notice of invalid Filed Instruments and of debt disputed by the Trustor. They have been so advised that, because of and consequent to this Notice of invalid Filed Instruments, " XXXX '' is exposed to full liability, jointly and severally, along with the Beneficiary ( s ) and/or affiliated entities for any damages that may, in the future, be awarded for filing false instruments, breach of contract, or wrongful foreclosure. 
A material defect in the NOD, such as gross misstatement of the amount in default, voids the sale, and the trustee may refuse to convey the trustee deed. XXXX v. Superior Court ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. The court in City of XXXX XXXX v. XXXX, XXXX XXXX XXXX ( XX/XX/XXXX ) also stated that : " the purposes of the Recording Statute is to provide Notice ... whether valid or invalid ... if invalid instrument is filed, no Notice is given. '' The Trustors ' rights under both the deed of trust and statute are being violated by QLSC. XXXX was never properly and legally substituted as trustee of the subject deed of trust, therefore, you are statutorily prohibited from asserting any such authority. 
It is in criminal violation of Cal. Penal Code 115.5, Filing False Instruments. The Filed Instruments identified herein are statutorily defective and false. They were demanded to immediately remove them from the public record permanently and to cause Public Notice of such remediation to be effected immediately. 
After receiving no response from XXXX XXXX XXXX XXXX, we mailed them a Notice of Default notifying the company that they were in default on their obligation to rescind the Notice of Default as demanded by the Trustor and were in breach of contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report notation of the following late payments ( 2 ) is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation, date and balance whether reported or not { XXXX XXXX Credit Card with Account # XXXX } I also respectfully request to be provided specific proof that theses alleged late payments ( 2 ) were in fact late. I request to see all statements and payments transaction records from the you as the creditor that would proof that my payment was not submitted on time. It is my understanding that I must verify these items with the reporting creditor ( XXXX XXXX Credit Card ) for accuracy. If they are unable to provided that proof, or if lacking proof of these payments being late, please update my payment history to PAANL status ( Paid As Agreed Never Late ) according to consumer protection laws. 

In addition in accordance to the Fair Credit Reporting Act ( FCRA ) Code 15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Furthermore as per the Fair Credit Reporting Act ( FCRA ) Code 15 USC 1681 Section 602 states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Where is my right to privacy, when your reporting to the credit bureaus about alleged late payments?

Over and above that, by means of the Fair Credit Reporting Act ( FCRA ) Code 15 USC 1681a ( 2 ) ( B ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Credit card or prepaid card

Bank of America Credit Card & XXXX XXXX stolen 2+ years ago. Companies continue to attach fraudulent charges to my account. I have spent many hours on the phone disputing these charges. Most recently, B of A sent me a physical letter saying that they would reimburse me for {$33.00} worth of XXXX XXXX in XXXX. I live in XXXX. That was the only charge on the statement. They have not done so as of XX/XX/2018. Today I received a new bill for {$35.00}. I have good credit. I dont want this bad Credit Card policy to affect my credit.
Product: Credit reporting or other personal consumer reports

I recently conducted a review of my credit report, and I noticed that your agency showed multiple credit inquiries that I find to be problematic. The first inquiry in question was apparently made by, XXXX XXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX -Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX -Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX also filed a identity theft report with FTC
Product: Payday loan, title loan, or personal loan

XXXX and XXXX of 2020 I applied for a personal loan on XXXX and they told me that i did not have enough check stubs and that was fine. So i applied again on XXXX I put the app in and they told me that i was approve and they would use my car as collateral and i needed for 4 check stubs which in my case 2 since i get paid ever 2 weeks they lied and said that i was not approve because of income which i know is a lie because i am a truck driver and then the next day i called customer service in Indiana there main headquarters and said i got turned down because a have alot of inquries which is a lie too. 

one main financial XXXX XXXX  XXXX XXXX. 
XXXX XXXX Oh XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX ( XXXX ) XXXX never did I ever lived at this location paid off the debt and was told if paid in full it would be deleted from credit report.. 

XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX ( XXXX ) XXXX this account was sold or moved with out my notice during deployment from the us arm services and went over due. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Remarks Charged off as bad debt. Canceled by credit grantor. this was charged off with wrong dates and wrong name Still showing inaccurate information on my credit report 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 

( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Credit reporting or other personal consumer reports

I have lost count of the number of letters I have sent to your bureau regarding my status as a victim of identity theft, as my concerns have yet to be fully resolved. Once again, I am disputing the fraudulent information that is adversely affecting my credit file. Despite my submission of the required FTC complaint, your bureau continues to report these fraudulent accounts on my credit report. I want to emphasize that I have already contacted the banks associated with these accounts, submitted the necessary documents, and had the accounts promptly deleted from their records. Moreover, other credit bureaus have already removed these accounts from their records following the submission of the FTC complaint. Therefore, I am curious about the verification process your bureau employed to continue reporting these fraudulent accounts. DELETE the accounts right away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Both the credit bureau and the furnisher of information are legally obligated to investigate your dispute. FDCPA PENN CREDIT Reported on XX/XX/XXXX Original Creditor Name XXXX PP L {$1700.00} XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX   Result : Verified As Accurate and Updated - It looks like this item is actually correct and that it's going to stay on your credit report, but info has been updated to reflect recent activity. 
Dispute Reason Ownership : I have no knowledge of this account. 
Dispute Results From XXXX : XXXX received your request on XX/XX/XXXX and completed their investigation on XX/XX/XXXX. Please review the results carefully. 
If you're not satisfied with these results you can go to XXXX 's site and submit a Request for Investigation. You'll be able to attach supporting documents to your dispute and ask XXXX to add an explanatory statement to your credit report. 
When contacting XXXX, provide your current file number : XXXX. Mail : XXXX  XXXXXXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX Phone : XXXX
Product: Payday loan, title loan, or personal loan

This loan isnt reporting this any of the credit reporting agencies ( XXXX, XXXX, XXXX ).
Product: Money transfer, virtual currency, or money service

My husband and I secured a HELOC from XXXX in XXXX of XXXX for the purpose of buying and selling property. The note was purchased by Specialized Loan Servicing. I don't have the exact date of the purchase, but my memory is that it was approximately two years ago. We recently sold a piece of property, and with the proceeds, wired {$65000.00} to an intermediary XXXX XXXX account that SLS utilizes on XX/XX/XXXX. The appropriate routing and account numbers were provided to me by SLS. Over the week and a half that followed, I called twice to see if the funds had been credited to our account, being assured by the person on the phone that these things take time. During these calls, I would verify the routing and account numbers. Finally, on XX/XX/XXXX, I was told by SLS that they had not received the funds. I was quite alarmed, and called SLS several times that day, with no satisfaction. Then I called my bank, and my banker called SLS and verified the routing and account numbers with me conferenced in. My banker was alarmed by the blas attitude of the SLS agent. My banker proposed that we allow SLS until Friday, XX/XX/XXXX to rectify the situation, then initiate a reversal of the wire. No word came from SLS on Friday, so a reversal was initiated. As of the writing of this complaint, no word nor satisfaction has come from SLS.
Product: Debt collection

I was contacted by phone from a company called XXXX, XXXX XXXX  XXXX they informed of trying to attempt to mitigate with me for a payday loan from back in XXXX. I was then told that i had signed a Tolling agreement when I requested this payday loan. The payday lender being Check And Go. I dont even know what a Tolling agreement. 

At this point I told them my only source of income is social security XXXX XXXX  is federally protected from collections. They insisted they were just mitigating and the loan company would have rights to seize my property and income if I refused. 

I have never seen anything in writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received your response, that you close my complaint that I sent, to Investigate the Erroneous Account : XXXX XXXXXXXX XXXX Balance : {$85.00}, that is UNKNOWN to me. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within XXXX  days and yet the problem is still reporting in my credit file and you closed my complaint to protect my privacy. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I am submitting this complaint again, myself and attached a copy of my Drivers license, Social security card, and Utility bill to inform you that I am the one asking your help to investigate the inaccurate information listed in my credit file since the credit reporting agencies are not doing their obligations in my credit file.
Product: Mortgage

Once again Home Point is reporting inaccurate information to the credit bureau that I am behind on payments. It is a very frustrating process, because i have sent them proof from my bank statements showing the deposits made to Home Point for my mortgage payments for the months they reported me missing and yet they still reported wrong information on my credit report. It has already been a prolonged process with them in the approval of my loan modification which thanks to you it was finally approved after a year in a half. However it seems after one thing is finally resolved, another issue arises and its always a mistake on their end and unfortunately I am paying the consequences for their mistake while they offer no sympathy and no initiative to resolve the problem. I am so ready for this to be done and over with.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX This is my fourth attempt to dispute an account on my credit report that is the result of IDENTITY THEFT. 
I have summited all the required documents including : XXXX ) POLICE REPORT XXXX ) IDENTITY THEFT REPORT XXXX ) PROOF THAT I WAS UNDER XXXX XXXX XXXX ) PROOF THATI WAS XXXX  XXXX ) PROOF THAT I WAS LIVING IN XXXX XXXX UNDER SUPERVISION UNTIL XX/XX/XXXX and then in XXXX until XX/XX/XXXX XXXX ) OTHER DOCUMENTS It is an impossibility that I had been able to open a credit card, get a phone, or open a business, let alone buy a car when I was in XXXX XXXX and then a XXXX House and Probation/Supervised Release living in XXXX XXXX XXXX XXXX  XXXX 
Once released I moved to XXXX with my wife XXXX XX/XX/XXXX. I have my tax returns to prove it. 
My brother XXXX XXXX was living in XXXX XXXX and had access to my information since the day of my arrest and all during my time in prison and federal custody. He has admitted having stolen and used my identity and he is now on the run with a warrant for his arrest. There is NO way, no possibility that I could have access to getting credit, or even a regular phone while I was at the XXXX XXXX XXXX in XXXX, or Federal Prison and even while I was at the halfway house or supervised release without having to go through my Probation Officer. 
The account that remains on my credit report that is NOT my accounts and is the result of IDENTITY THEFT is : - XXXX XXXXXXXX account opened in XX/XX/XXXX. XXXX {$XXXX}. XXXX Credit Card I am resubmitting all documentation in order to provide all necessary evidence and proof that this is NOT my account.
Product: Checking or savings account

I contacted US bank and received acknowledgment of claim file on XX/XX/2023 requesting documentation. On XX/XX/2023 I emailed and faxed the requested documentation. I also included that in this complaint. I did not receive a response at all for the last several months. When i call customer service they transfer me to different department and non of them is able to help service this claim. There are XXXX fraud bank accounts ending in XXXX XXXX XXXX There is XXXX fraud credit card XXXX. The claim number for the credit card ID THEFT is XXXX
Product: Debt collection

There was fraud made from XXXX that was linked from my banking acct. My bank has investigated the issue and XXXX XXXX ( my bank ) credited the moneys lost back to me. Paypals investigated the issue and XXXX still says I have a balance and I tried to resolve this and explain that this was due to fraud. XXXX sent the debt to collections.