23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I received an new escrow statement at a time where we were changing insurance companies and disputing taxes  with the county.   In this statement, I was told that I needed to pay a lump sum for shortage or I needed to pay a monthly penalty for shortage.  <P/>  Wells Fargo do es not kno w how to read an escrow account. For three years, I 've received a refund th at I 've turned around and applied to the mortgage. I called to ask why and the person on the other line wanted to argue with me.  <P/> Additionally, they escalated to their management. The  manager  was just as bad as the regular associate. He told me he was going to apply my extra principle payments to my escrow account. I do n't know why they would do this. I advised that I was purposely paying additional principle payments, and no one a  t Wells Fargo had better change these payments.
<P/>
I received a letter in the mail from this associate with the same information that 's available on their website. Go figure. I called the number on the letter to get another poorly trained Wells Fargo   associate. This associate did n't want to take care of the problem. He set me up for another call back. I know, right?  <P/> So, this person calls me tonight to again tell  me Wells Fargo i s correct. He wanted to tell me he has all the correct numbers to find out he is completely and undeniably wrong.  <P/>  Wells Fargo  did n't take into consideration my {$600.00} escrow only payment or my {$450.00} escrow payment o n  XX/XX/XXXX  o  r  XX/XX/XXXX   ( give a few days because I pay my mortgage early ). Additionally,  Wells Fargo had  {$930.00} insurance ( ap prox ) and {$4400.00} taxes ( approx ).   Both of these numbers are wrong. Because of the mistake at the  auditor, my in surance company miscalculated my annual premium. They had to request and adjustment. The adjustment was sent to  Wells Fargo. I have n ot seen a statement with the corrected numbers. The taxes were also updated to approx {$4000.00}. The auitor did not realize we had  a 3 car gara ge and thought we had a finished basement. I tried to communica te this to Wells Fargo, but t hey are not too educated.  <P/> My taxes are due   XX/XX/XXXX  and  XX/XX/XXXX  every y ear, and my insurance is due  XX/XX/XXXX  every year. With that said, I 've calculated my payments going forward for the next 20 years, and my escrow account does not show negative or within 2 months ( {$900.0 0} ) du ring this 20 year period. Of course, I do n't know what the value of my house or insurance will be from year to year. I have some cushion though for the possible increase.  <P/> I would n't be so unhappy i f Wells Fargo was  In the ballpark. They are not.
Product: Checking or savings account

I applied with Chase Bank for the Paycheck Protection program within minutes of their website opening on XX/XX/XXXX. On Monday, XX/XX/XXXX, I received email confirmation and a link to fill out the full application. I began this immediately but midway through, realized I needed a tax document for payroll that I requested from my accountant. I received that documentation on XX/XX/XXXX and I returned to the link and completed the application. 

After that, I heard nothing from Chase. There was no confirmation that they received my application or the tax documents I submitted. The PPP fund is now out of money but Chase has communicated with me via their XXXX XXXX ( there is no way to contact Chase bank about the matter via phone and they have not responded to my secure emails in over a week ). Unfortunately, Chase has told me that I should have received an email email when my full application was submitted. I have this documented they said this. However, no other Chase small business banking client Ive spoken with received a confirmation email and all of our applications were denied for lack of funding in the PPP. I believe Chase may have a system issue that prevented applications from being processed and I would like a formal response from Chase as to whether the bank is in possession of my application and the confidential tax documents I submitted.
Product: Credit reporting

I took advantage of a free-trial offer for a credit report. After charging my account for {$1.00} to pull my credit, I was signed up for monthly credit monitoring. I called and requested to cancel my monthly membership. My credit card continues to be billed. I have called them to cancel this membership several times in 2016 and every time I call, the representative states that they are have no prior notes of my conversations. This company refuses to cancel my membership and refund my money. I was finally able to get the membership stopped in XX/XX/2016 after insisting that my call is escalated to a supervisor. But this company still took well over {$200.00} from my bank account after I instructed them to stop The company completely refuses to acknowledge all of the prior requests to cancel the membership and refuses to issue a refund for all of the unauthorized charges to my credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a debt from XXXX XXXX, and it was first made more than 5years ago. But yet all of the credit agencies and XXXX XXXX are saying that the account was opened this year. I have not made any payments, no collections have been made, and I have not contacted them nor they contacted me. So the dates are being forged. Also the original creditor. ( XXXX XXXX ) sold the debt to a company called Jefferson systems LLC or something like that. And as far as I am aware, it is illegal for them to trade/sell the debt to another debt collector.. and that they have to first even ask me if it can be on my credit report.

I believe that after 180days the debt collection agency is no longer able to try and collect this debt from the debtee which they have tried to do.. I receive phone calls at random intervals and times from debt collectors, but I do not tell them who I am so it won't be a " contact '' for them. 

Please look into this and remove it from all of my credit reports. Thank you.
Product: Debt collection

XXXX   XXXX ,  2017  -  XXXX   XXXX  - Friend was approached outside house and asked if I lived there. Upon questioning he revealed to my friend it was for credit card debt and left documents with him revealing details of the debt.  <P/>  XXXX   XXXX ,    2017  -  XXXX   XXXX  - Person came to door asking for me and if I lived there. Friend told him to leave.  <P/>  XXXX   XXXX ,  2017  -  XXXX   XXXX  - Person came to door, striking it forcefully and loud ly ( this startling, unexpected and unwanted action caused me to fear for my son 's and my saf ety ). My friend, who was likewise concerned, asked this person to identify himself.   Person said he came yesterday and again asked if I lived there. Friend told him to leave - he was insistent and would not leave. My  friend (   XXXX   XXXX   XXXX   XXXX   ) told him to " cease and desist '' coming to the property. Person would not leave. Friend told him he considered him a threat and was armed ( legally ). Person told him  " well then, you 're going to have to shoot me '' and that he will be back tomorrow. Based on person 's response, which a reasonable and prudent person would not utter, I fear this person is a clear and determined threat to the safety of me and my son.
Product: Student loan

I was with Mohela as I am working toward PSLF. I made 2 payments in XXXX of {$1000.00} each. There were notices that there'd be account transfers but no set dates I did not request a change in service or account management this was initiated by Mohela. On XX/XX/XXXX I paid {$1000.00} and my balance was correct on the old mohela site. On XX/XX/XXXX I sent another {$1000.00} and my balance again updated correctly to {$24.00}, XXXX After making that last payment in XXXX I had been unable to log into my mohela account and received a pop up that my loan was in the transfer process. I was finally able to long in on their " new '' platform and my loan is now {$26000.00} and I can't log into my old one. I never received statements from them and I want to know how or why my balance increased by XXXX and why I am no longer allowed access to my old account so that I can SEE previous balances. I should not be subject to any fees and what I have paid has been above requested monthly payments so this should not be compounded interest either.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is from me XXXX XXXX the person not from a third party company or any other person but me this is a real complaint. 
I am the victim of identity theft, i sent in a report and everything that ftc said that i should to get the identity theft removed from my credit but the credit bureaus did not remove any of the accounts that were included in the identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have sent letters to the CRAs ( XXXX, XXXX, AND EXPERIAN ABOUT THE INACCURATE AND INCOMPLETE ITEMS BEING REPORTED ON MY CREDIT REPORT AND THEY HAVE NOT CORRECT THE PROBLEM, PER 15 USC 1681 STATES ALL INFORMATION HAS TO BE 100 % ACCURATE AND COMPLETE WHEN REPORTING, IF NOT HAS TO BE DELETED.I HAVE ATTACH COPIES BELOW
Product: Credit card

My daughter is a XXXX who decided to open a credit card although the discussion had already been made not to. To my surprise after her XXXX XXXX she came home and had received mail from Navy Federal Credit Union. I inquired as to what the mail was for and she indicated she had opened a credit card. The first thing that came to my mind is she did not have a job, had already maxed out her limit not of {$500.00} but on {$5000.00}, and still was a dependent. The next day we went to an NFCU branch office as I was in disbelief that such a thing was still happening with the tightening of credit guidelines and all. The branch customer service representative indicated that there was nothing that could be done my daughter is XXXX years of age. I get it, what I do n't get is how you can give an XXXX year old or anyone for that matter a {$5000.00} credit limit and not verify they have the wherewithal to pay it back via sources of income This was allowed and now my unemployed daughter has a maxed out account that she will be obligated to pay back while she works from time to time and while continuing to be a XXXX until she lands a real job. I wonder if Navy Federal along with other financial institutions are part of the solution or are you truly a part of the problem. I do n't see anytime soon that the economy will rebound with policies and procedures such as this.
Product: Credit reporting

Hello i recently made a request to have my credit reporting updated with correct information for my previous Mortgage lender XXXX XXXX. No resolution was made and I even contacted them directly with little response. XXXX is currently reporting my mortgage status and or my amount owed incorrectly. I am a XXXX veteran of 13 years XXXX and still ca n't get a resolution for this issue. On XXXX credit bureau it still shows open and reporting past due each month when the home was sold at public auction for XXXX back in XXXX 2012. My credit report still reflects that i owe the full amounts for the following bureaus Experian XXXX account closed XXXX XXXX account open over 120 days past due still being reported
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed there are multiple accounts on my report I do not recognize
Product: Credit card

I received a letter from Chase indicating they had overcharged me on interest while I was recalled as a military reservist subject to SCRA protections. They refunded me approximately {$2600.00}. They then filed it as " income '' with the IRS and sent me a XXXX. It was money I had already earned and paid taxes on which they wrongly charged me and then refunded. It was not income. I should not have to pay taxes twice on the same money. I sent them a letter in early XX/XX/XXXX, but they have not responded to my request for correction.
Product: Debt collection

The guy did not identify himself but as a legal issues. Started calling on XXXX. Called several times and even called my minor son who is XXXX leaving harassing voice mails. When I had the chance to call back he was vary rude and used bad language for a professional and stated I waited to long to call back. I tried calling 3 days later and no recordings or answering system. Called next day and got him. He stated he could not accept me paying the bill in full in two weeks it had to be right this minute or he was turning me over to the courts and garnishing my wages or throwing me in jail. My husband called him and he did the same to him as well. Our bill was for XXXX and since I would not pay now then it would go to court and be over 1,500 with all of the fee 's involved. I mailed in a check for XXXX to the company they are getting the collections from and he said they would mail it back. He would not accept XXXX this week and the rest in 2 weeks. I contacted the company and they said they would cash it. Had to call XXXX XXXX to get the firms office to confirm the guy did work for them bc of how he went about it and how he threatens to do his collections. I have received no emails or mail just phone calls several times a day and rude voice mails.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ) these creditors have violated my rights for these accounts : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX BANK XXXX XX/XX/XXXX Due to the following : [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy.

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent.

[ 15U.S.C. 1681 ] Section 603 Section 2A, Subsection ( iii ) states that communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons. 

I've attached my driver 's license and proof of current address.
Product: Credit reporting or other personal consumer reports

I have reached out to Equifax with assistance with my Identity Theft problem with no assistance. I have done everything they asked of me to have some fraudulent accounts removed from my credit report. I retrieved a police report from the city of XXXX XXXX  where my wallet was stolen with my ID and credit cards in it, I also retrieved a police report from the city of XXXX, XXXX  where the creditors stated the accounts were opened and now, I also opened a police report where I actually live and provided proof of my address to them multiple times. XXXX and XXXX has removed this debt with proof showing this was fraudulent. I sent the deletion reports from the other two bureaus as requested by a supervisor within Equifax on a recorded line, also stating that once this was received then Equifax would remove the XXXX XXXX account. This was a lie and still is reporting. The address and phone number that they report for these accounts is not on my credit file. The address and phone number reporting are Fraudulent. XXXX or XXXX XXXX account number ( XXXX ) opened XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX is a fraudulent address that the above account is reporting to which is also not on my credit profile, but they continue to say that the information has been verified. I asked for a copy of the application with my signature on the application from all the creditors listed above and the 3 credit bureaus and I have yet to receive it. The incorrect data and no signed application showing. THIS ACCOUNT IS ALSO OVER 7 YEARS OLD AND SHOULD HAVE BEEN REMOVED LAST MONTH!!!! On the report it also says that the XXXX XXXX account does not report on Equifax but then also shows that the account has been verified, There are too many discrepancies with this account and it HAS TO BE REMOVED IMMEDIATELY!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
Product: Credit reporting or other personal consumer reports

ALLY CREDIT CARD ( Finance ). 

not authorized use of inquiry
Product: Payday loan, title loan, or personal loan

On XX/XX/2023, the sum of {$5700.00} was wrongfully and improperly charged to my Citibank Checking Plus Line of Credit. Although providing Citibank with a formal Billing Dispute with regard to this charge pursuant to Section 1026.13 of the CFPB Rules on about XX/XX/XXXX, I have not to date received any acknowledgement or other communication from Citibank in response to this Billing Dispute notice. Please see the attached copies of my Billing Dispute notice, as well as the Certified Mail Receipt and Return Receipt for such notice. The 30-Day period for Citibank to respond to my Billing Dispute has apparently expired. Also, Citibank continues to make efforts to collect the amounts disputed.
Product: Credit reporting or other personal consumer reports

Call to have inquiry taken off my credit report I was told I have to reach out to the credit company to dispute inquiries
Product: Debt collection

Received notice from my part time job that I had a notice of wage garnishment sent in my previous married name ( 20 years ago ). Never received anything from the company or attorney garnishing wages prior to this. Tried calling company and no one ever answered the phone. Several weeks later received an answer of garnishee from my employer showing I am active but no current wages that time frame since we are in off season for this job. I have worked my current job for over 20 years and nothing was sent there. I have no idea what this debt is for or no one to ask. I also believe the statue of limitations have run out if this is my debt.
Product: Credit reporting or other personal consumer reports

XXXX and XXXX still have a collection debt that has since been removed on other bureaus. I'm requesting permanent removal of this debt
Product: Debt collection

There is a collection on my credit report for medical debt that doesn't belong to me.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the accounts listed below on my credit report. Due to a recent data breach compromising my personal information, these accounts have been fraudulently opened or maintained in my name. I am exercising my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) and request the following items be permanently removed from my credit report. 
Accounts to Be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was viewing the details of my credit report and I saw that XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX had some inaccurate accounts on my file that I don't recognize. I was looking at the FDCPA, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, of this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX XXXX XXXX XXXX Date opened XX/XX/2016 Balance {$35000.00}
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : Subject : Request for Blocking of Fraudulent Information Pursuant to 15 U.S.C. 1681c-2 and 1681 ( b ) I am writing to dispute fraudulent information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request that this information be blocked. I have enclosed a copy of my Police Report/FTC Identity Theft Report ( FTC Report Number : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2, credit reporting agencies are required to block any information identified by the consumer as resulting from identity theft within four ( 4 ) business days upon receipt of the identity theft report. The following information on my credit report is the result of identity theft and should be blocked immediately : This letter is to notify you that I am a victim of identity theft. I have contacted the Federal Trade Commission and filed an FTC complaint, which is attached for your reference. There are fraudulent accounts on my report that do not belong to me. All required documentation has been included in this packet and has also been sent via fax and Certified Mail to your agency. In addition, I demand the immediate deletion of the following fraudulent accounts from my credit report : Please remove the following fraudulent accounts from my credit report : ACCOUNTS : Creditor Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Please ensure that these accounts are removed from my credit report without delay. I expect confirmation of the completion of this request in compliance with 15 U.S.C. 1681c-2. Thank you for your prompt attention to this matter Sincerely, XXXX XXXX XXXX
Product: Mortgage

Requested a payoff quote by fax and certified mail over 30 days ago. Will not provide.
Product: Student loan

In XX/XX/2018, I submitted an application for income-driven repayment. I received a reply that this would be placed on hold until closer to the end date of my grace period on XX/XX/2018. My loans were placed on a temporary reduced payment forbearance. It was unclear to me that I first had to pay this amount before the application was processed, but clarified on initial contact to XXXX during a phone call on XX/XX/2018. I paid {$250.00} on XX/XX/2018 per a letter sent to my online account on XX/XX/2018. The account, however, remained with another {$2600.00} owed for that billing cycle in spite of what was written in the letter received XX/XX/2018. I paid this amount to avoid my account going into delinquency on XX/XX/2018. In a subsequent contact by email to XXXX on XX/XX/2018 I raised my concern that my application had not been processed after the initial forbearance payment of {$250.00}, and received a reply that this would only be processed after XX/XX/2018. During this current billing cycle, I now have a bill for {$3100.00}. I can not make payments in this amount in perpetuity, and my funds would allow me to make payments in this amount for only another 2-3 billing cycles including the current cycle.