23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XX/XX/XXXX Consumer Financial Protection Bureau RE : XXXX XXXX XXXX XXXX Policy # : XXXX First Mortgage : XXXX XXXX XXXX XXXX # XXXX Acc : XXXX Insured ( s ) : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX. 
XXXX, FL XXXX To Whom It May Concern, On XX/XX/XXXX, Wells Fargo accepted a refund from my homeowners insurance company, XXXX XXXX in the amount of {$670.00}. XXXX XXXX XXXX from XXXX XXXX XXXX XXXX sent me a copy of the refund cancelled check they sent to Wells Fargo on XX/XX/XXXX. The policy total was {$870.00}, Policy Number,  XXXX. I made a payment to XXXX XXXX in the amount of {$360.00} by XXXX on XX/XX/XXXX via phone with XXXX XXXX. I also made a payment on XX/XX/XXXX via telephone for {$8.00} by XXXX and I spoke with XXXX to complete this transaction. The policy was canceled and I was supposed to be issued a refund personally. I did not know Wells Fargo had made a payment to XXXX XXXX, because when the policy was canceled they said the monies were being refunded to me. XXXX XXXX recognized their error and stated they should not have sent Wells Fargo my {$160.00} refund and Wells Fargo was made aware of that not only by Peoples First contacting them, but myself and my attorneys office on XX/XX/XXXX at XXXX XXXX and I spoke with XXXX XXXX at extension XXXX. He stated he would refund the full {$870.00} to Wells Fargo. I even spoke to a XXXX XXXX who tried to bring the escrow department on the phone ( XXXX, option # 3 ). Then I called XXXX XXXX and was transferred to loss mitigation ( XXXX ) and spoke with XXXX and was then transferred to another representative ( XXXX ) the Foreclosure Department. This was all recorded on a recorded line at XXXX XXXX and Wells Fargo. The excess can also be found on the XX/XX/XXXX mortgage statement, XX/XX/XXXX mortgage statement and so forth as unapplied monies and then the monies disappear off the mortgage statements and the monies are never shown where they are applied. Wells Fargo refused to give me back my money. Wells Fargo refused my payments when the loan expired with Hardest Hit Homes until they sold it to XXXX XXXX XXXX XXXX ( XXXX ). I ask that my {$160.00} be returned to me. Per my Mortgage dated XX/XX/XXXX, page 4 of 16, Uniform Covenants. 1. Payments of Principal, Interest, Escrow Items, Prepayment Charges and Late Charges : If Borrower does not do so within a reasonable period of time, Lender shall either apply such funds or return them to Borrower. If not applied earlier, such funds will be applied to the outstanding principal balance under the Note immediately prior to foreclosure. 

My attorneys office, XXXX XXXX XXXX, called XXXX XXXX to get this situation rectified on XX/XX/XXXX at XXXX p.m. and we spoke XXXX in the escrow department at Wells Fargo who assured both the paralegal, XXXX and I that the {$870.00} would be refunded to the escrow account ( XXXX, option 3, press zero ; XXXX x XXXX ). I just want my monies that disappeared off the Wells Fargo statements of {$160.00} to be applied to my escrow please. 

Sincerely, XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX, XXXX filed Judgement with Superior Court of California, XXXX XXXX on XX/XX/2012 ; case : XXXX Platfiff : CACH , LLC XXXX against XXXX XXXX and XXXX XXXX XXXX. Before filing the judgement, the firm failed to follow prescribed procedures to deliver notices requiring debt. After I accidentally discovered the filing was placed with XXXX XXXX office, I was shocked! On numerous occasions, I attempted to contact the firm by phone and in writing to provide me the original documents to verify the debt. XXXX XXXX XXXX XXXX XXXX representatives either ignored me or kept on saying that the debt verification and confirmation would be sent over my current address, but I have not received anything what I asked ever since! I am convinced this is a Freud and would like to flag this firm for acting unprofessionally. I am really hopeful that CFPB will be able to help me resolve this situation and enforce XXXX XXXX to provide me with documents I have been requesting for many years. Attaching the very recent letter I sent to the firm which was yet again ignored.
Product: Credit reporting or other personal consumer reports

I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Vehicle loan or lease

Hello these company is reporting fraudulent account. Regardless of my previous written requests, the unverified account listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove this account completely from my credit reports. American Car Center XXXX
Product: Debt collection

CAINE & WEINER ( 01 XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$130.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2016 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Debt collection

Date   XXXX     Amount  XXXX  Company :  Phoenix Financial Service , for  XXXX   XXXX   XXXX   XXXX  Received call from company representative on approximately  X/XX/17.  Was told it was attempt to collect debt. Company representative told me who the debt was for. I expressed some confusion over debt given the billing timeline and not receiving bill for services and being confused about the name being collected for vs. the hospital the representative later said it was for. Company representative gave me an email he said I could email but told me not to use info on the company site because it would send " another validation of debt '' letter. At the time, I thought it was a little odd that he said that because I had never received any mail from the company or a letter for a validation of debt. He went on to ask if I wanted to pay anything and I said, no because I needed to know more about the debt. He reiterated that I should contact the email he gave me. After the call, I looked up my credit report the next day and noticed that the report from the collection company was placed for collection well after I had visited the hospital the representative claimed this debt was for. Believing this was not my debt and an error, I filed a report with the credit burea u (  XXXX  )  who said more information was needed. I later after more investigation to get ready to write a debt validation letter, found out that it was agains the Fair Debt Collection Practices Act for the debt collector to advise me against seeking Validation of Debt, especially when I was talking to the representative about trying to understand about what the debt was for. The company and company representative knowingly and purposefully advised me against this.
Product: Credit card

I had unpaid maternity leave as a newly single parent. I communicated with Chase multiple times about my hardship, all they would offer was to split the monthly payment into XXXX payments. In XXXX, I paid and got caught up, the very same day they suspended and closed my account. I then agreed to additional payments to bring the closed account into good standing. Made such payments. Then lost my job and couldn't afford to keep up. Chase does not care. They have been harassing with upwards of XXXX calls per week, despite having been asked to stop calling.
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of fraudulent accounts and inquiries listed in my credit report, as I have been a victim of a recent data breach. Under 15 USC 1681c- 2 ( a ) and FCRA 605 ( b ), I am entitled to request the blocking and deletion of any unauthorized accounts or inquiries. 
The following accounts were not opened by me and I request that they be blocked and removed from my credit file : XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$830.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4700.00} Additionally, the following inquiries were made without my permission and should be removed from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

My social security number was used to open a credit account. I contacted TransUnion to put a fraud alert on my credit file and had to listen to a 2 minuet recorded advertising message to purchase their credit protection services at {$11.00} a month. This is absurd. I had to listen to the entire recorded message in order to get a confirmation that they had put a 90 day fraud alert on my account. They were able to hold me hostage at a time were I felt very insecure about the identity theft that happened to me. I ca n't even imagine how many people they are able to scare in to purchasing this service from them.
Product: Debt collection

Portfolio Recovery A is trying to collect a debt on behalf of XXXX XXXX XXXX XXXX. 
I never had an account or even know what services this bank gives. 
I tried to call the bank and they had no information of this account. I called Portfolio recovery and they refused to deal with the case and claimed it 's mine, even though they could n't even verify mi information. 
I 'm trying to take a student loan to go back to school and my whole future is held back because of false information Portfolio recovery are throwing on my credit report.
Product: Credit reporting or other personal consumer reports

I disputed information with Equifax regarding creditone bank. They claimed that everything was accurate and verified and that everything is being reported correctly this is not true. I contacted creditone bank and asked them to validate this account. XXXX XXXX did not send one supporting document. I will upload what they sent. There is no way possible Equifax did the investigation they said they did if creditone bank could not validate this account. I will upload what creditone bank sent to me
Product: Mortgage

I originally started the refinance process with Sofi in XX/XX/2020. Since then they have repeatedly asked for my pay stubs, bank statements, and various other documents. I've given them absolutely everything. Over the last 3 weeks they have scheduled and canceled my closing numerous times! The reasoning has always been because they haven't gotten all of the paperwork from underwriting. Well today they emailed me to say they had to pull my credit report again because what they have expires on XX/XX/XXXX. My XXXX XXXX balance has gone up and I am doing monthly payments. They tell me that they need something from my federal student loans to say how much my payments will be. They already have this. And now they want more bank statements and proof I have the reserves to pay off my XXXX XXXX which is a balance of $ XXXX that I do not have. I make monthly payments. 

I'm concerned they never planned to give me this loan. I'm concerned their may be some discrimination occurring. Please assist.
Product: Student loan

I started making payments to the XXXX XXXX XXXX XXXX for help consolidating my loans and getting out of default on XX/XX/17. I was promptly emailed several documents to fill out, along with requests to send income documentation. Despite sending all requested documentation multiple times, XXXX took no action on my loan consolidation as agreed in our contract. I received multiple emails claiming the reason they had not moved forward was because they had not recieved my income documentation; despite multiple email and snail-mail mailings of said information on my end, and an email from XXXX confirming the receipt of this information. XXXX also created an unauthorized XXXX account in my name during this process that made it very difficult for me consolidate the loans on my own after they took no action, as I was locked out of the XXXX website containing the documents I needed to apply for help with a legitimate company contracted through the education department.
Product: Credit reporting, credit repair services, or other personal consumer reports

the companies are reporting incorrect information on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint to inform you that the account listed below is reporting erroneously & are inaccurate. The furnisher is reporting this account inaccurately. They informed me they had an internal issue & posted me past due. Please investigate this account & please update the account to a positive status of open/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof XXXX XXXX XXXX
Product: Mortgage

I am a service connected XXXX veteran and I have been in a forbearance due to Covid. Just stayed on the phone with Wells Fargo 1 hour 48 minutes. I have communicated with the lender several times and not until today was I told that because my payment on XX/XX/2020 was not paid until XX/XX/2020 I do not qualify for a deferral of my loan because I can only have 18 payments and not 19 payments. According to Wells Fargo I was late in XX/XX/2020. Which I dispute. However, if I would have been told that I would not be able to put the payments from the forbearance to the end of the loan sooner because I am one payment over, it would have helped. Now I can not get those payments deferred to the end of the loan. This is going to cause problems for a lot of Veterans and seniors. 1 payment and here we are in the middle of XXXX. I am able to start paying my loan in XXXX, but to have to go through loan modification when the income is reduced because we had two incomes when the home was purchased and now my husband is deceased. My income is substantially less. If I was informed about 1 payment causing me to end up in foreclosure because at the 11th hour I am informed about 1 payment over is a way for lenders to allow homeowners to go into foreclosure. Right now I have to try to sell the house before it is foreclosure on. Because the lender never explained it could only be 18 payments until TODAY! How many other people are just learning this?
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous dispute regarding the inaccurate and unverified accounts appearing on my credit report. The following accounts contain significant discrepancies across the three credit bureaus, demonstrating clear errors in reporting. As required under the Fair Credit Reporting Act ( FCRA ), I request that you immediately correct these inaccuracies or delete the accounts if they can not be properly verified.
Product: Credit reporting

TransUnion shows 30-day late payments from XXXX XX/XX/2010 from XXXX on XXXX accounts. My accounts were always in OK and on-time status with XXXX. They have not removed these reports as requested, even though they are inaccurate.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. secondly, i have the right to sue if i think consumer bureaus are preventing me from getting certain loans or benefits by reporting false information on my report. Incorrect credit reporting, I have an account that is not correctly reported. 
Account Name : XXXX XXXX Account number:XXXX  you have this account as closed with a balance of {$3700.00} but this account is fully paid-off and balance on it should be {$00.00}
Product: Credit reporting or other personal consumer reports

XXXX for civil liability, negativity and noncommittal
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : 1. XXXX  XXXX XXXX 2. XXXX XXXX XXXX  XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo Amounts {$2000.00} & XXXX Date XX/XX/2008 These credit cards dont belong to me. I never used them. And had no knowledge they existed. I have disputed it and they refuse to remove it saying their info is correct. I cosigned on a home loan for my mother, she filed for bankruptcy, I disputed the home loan and they removed it, but they refuse to remove this. It is also been 10 years, should not it have been removed at 7 years. It keeping me from buying a home.
Product: Credit reporting or other personal consumer reports

I disputed several accounts on my credit report that do not belong to me, XXXX closed the disputes in less than 12 hours, I know that they didnt investigate properly because they would know that those accounts dont belong to me. I dont understand how you close an account without even looking into it, its like they copied and past what was on my report already
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint to delete the following fraudulent items in my file that are reporting on XXXX, Equifax and XXXX Credit Bureaus. 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 Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged and also the inaccurate personal information showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXXXXXX XXXX XXXXXXXX : {$730.00} XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This was not sent by error or anyone other then myself, I am a consumer by law and my information was misused in a data breech ( Equifax ) now I have some account and items that are not 100 % accurate on my credit report. That was unauthorized use of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase Bank Mortgage Co. isn't reporting my house payments for over 6 years. I sent them the reaffirmation documents for my Discharge of Bankruptcy. No one want to take care of my needs.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX 30 days past due as ofXX/XX/XXXX2013 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me or the payments were misapplied.
Product: Debt collection

I am a victim of identity theft and I request for this account to be removed for I didnt apply for any apartments ; this caused me a lot of pain and suffering. To my knowledge someone got access to my information and used my identity to apply for an apartment. I contact the collection agency and they are threatening to sue me if I do not pay ; I am tired of this They are engaged in a willful and persistent pattern of behavior rather than a soared mistake. The FDCPA provide consumer the right to bring a civil cause of cause of damages caused by abusive behavior, manipulation, and improper debt collection practices. EACH REPRESENTATIVE HIDES THEIR IDENTITY! EVERY TIME I CALL THEY PICK UP AND SAY THEY CANT GIVE THEIR NAME! This is another illegal practice that they are involved in. 
They only answer and say thanks for calling rent recovery solutions and when I ask for their name they laugh and say I cant give you! This is very unprofessional. This company is obviously a scammer ; they cant identify themselves nor break down solid prove that I owe them.