23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I had fallen behind on my Mortgage Payments earlier this year because I was sick with XXXX  and had extreme XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX and had to cut my hours at work. I started to work with a Mortgage Assistance Program in my city : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX and this summer I received an award letter saying a payment of {$6000.00} was made on XX/XX/2023 and my Mortgage Company : SN Servicing Corporation XXXX XXXX XXXX XXXXXXXX XXXX  XXXX has said they never received the check or hasn't applied it to pay my mortgage arrears as of today XX/XX/2023. I had to file for bankruptcy to stop my home from being foreclosed on and I'm in the process of getting my case confirmed, but the Mortgage Company is refusing to post this payment to my account. The Mortgage Assistance Program has said the check was never returned to them and it hasn't been cashed yet. I would like to know why they are refusing to post this payment to my account to cover my mortgage arrears.
Product: Debt collection

THIS IS A DUPLICATE ENTRY TO XXXX XXXX WHICH I ALREADY SUBMITTED A COMPLAINT REF XXXX. IT IS AGAINST THE FCRA TO DUPLICATE REPORT DEBT. SINCE THIS WAS SOMETHING THAT I ORDERED AND CANCELLED AND PAID ANYWAY AND SINCE IT IS A DUPLICATE IT NEEDS TO BE REMOVED
Product: Credit reporting or other personal consumer reports

there are unauthorized inquiries on my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to complain to US BANK about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX. My birthdate is XXXX, and my social security number 's last four digits are XXXX. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular item you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Product: Credit reporting or other personal consumer reports

This is my second time submitting a complaint to the CFPB the first complaint was submitted on XX/XX/year> at XXXX. The complaint number is XXXX. As I previously stated, I am a natural person, I am a living Human being. I have rights under 15 USC 1681. XXXX is governed by 15 USC 1681. XXXX has violated my rights numerous times. I demand the accounts listed below be removed immediately. According to 15 USC 1681 : I have the right to privacy and I did not give XXXX written permission to furnish these accounts. I am a victim of the XXXX XXXX XXXX. XXXX has admitted the fraud that was committed and that I am a victim and I have a Claim number with XXXX. The claim number is XXXX XXXX Account : XXXX XXXX XXXX Account : XXXX
Product: Checking or savings account

On XX/XX/2018, I submitted a response to the XXXX XXXX XXXX in regards to Case # XXXX against Wells Fargo Bank for Unauthorized accounts opened in my name four accounts without signatures and four with signatures along with unauthorized credit cards, Unauthorized Charges and Overdraft Charges. I also mentioned the discrimination of my Permanent XXXX. The following was my response to the mediation proposal : Quote, Case # XXXX Dear WFB/XXXX XXXX I object to the mediators order as wrong and not based on facts. 

I have requested the bank and credit card accounts and related documents from WFB several times prior to the mediation which are in your possession and withheld from me. The mediation order falsely states that I did not have the accounts numbers when WFB withheld them from me. WFB must disclose the account numbers to the mediator, correct its report and again I demand disclosure of them to me. The order is not based upon the facts alleged on the phone and in my emails to WFB including the fact that WFB caused exacerbation of my mental and physical XXXX. The mediator ignores my XXXX and condition and past, present and need for future medical care caused by WFB. I will also present other facts and damages when WFB releases the documents and evidence it is wrongly concealing from me. 

I am responding to a letter that I received from you by mail instructing me to contact you within 20 calendar days or the claim will be considered closed. I am Responding within the 20 days, for this case to remain open. 

I object to the Mediators order as wrong and not based on facts. 
unquote. 

I never received a response.
Product: Credit card

XXXX weekend XXXX, my then fiance and I purchased a bedroom set from XXXX XXXX with the company financing. It was later we realized it was not a loan but a store credit card through Wells Fargo. Payments were being made on the card and as of XX/XX/XXXX the account was not behind and the balance due was {$4000.00} with payments of {$160.00} a month. My now husband ended up having to claim bankruptcy that started in XXXX of XXXX. My accounts were not included in the bankruptcy and I was never part of the bankruptcy. XX/XX/XXXX I received an alert from XXXX that my credit had dropped XXXX points. When looking at my report, Wells Fargo reported a charged off account in bankruptcy and payment was missed. I disputed the report, as I had not claimed bankruptcy and payments had been current and i had intended to continue payments. I never received any letter from Wells Fargo stating I was the sole account holder, nor did I receive one stating the account was closed, not did I recieve a statement of any kind. Wells Fargo 's response to my dispute was to again report the account as charged off, however this time they added that it was written off and past due. Wells Fargo has reported this every single month since XXXX of XXXX. It is now XX/XX/XXXX. Three days after my husband 's bankruptcy was finalized in XX/XX/XXXX, Wells Fargo started calling me wanting payment. This was after they reported the account as charged off, written off and past due that same month. 
I informed the rep. the account was included in a bankruptcy and they have been reporting it as charged off, written off and past due to my credit. Per their reports, they wrote the account off. 
This has been malicious attacks by Wells Fargo in response to my husband claiming bankruptcy. 
Due to their continued reporting every month as the account being charged off, written off and past due, my other accounts have begun to decrease my limit, further hurting my credit. Before Wells Fargo began their malicious attacks on me my credit was XXXX, it is now XXXX. To this day, I have not received a single letter, or billing statement from Wells Fargo.
Product: Mortgage

XX/XX/2023 I asked to assume the mortgage of my deceased mothers home were I live. XX/XX/2023 I was received an application for home mortgage that listed me as a buyer, with all the costs. XX/XX/2023 I sent the prevision the Garn St, germain Act. Stating that the federal law requires them to allow me to assume the mortgage of my inherited without the closing costs. XX/XX/2023 I received a response stating they knew nothing about the St. Germain Act. and that I would have to do it their way.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 5 private student loans with Navient that became active this year. I am an active student working on my masters. I was notified by Navient this year that 5 of my loans with them have become active for payment. I started a payment plan with Navient on XX/XX/XXXX. They electronically withdraw their payment each month from my XXXX bank account on or around the XX/XX/XXXX of each month. Navient is reporting 60, 90, 120 day lates on my credit report for months they have collected their payment. Here are the dates : Credit report shows 60 day late XX/XX/XXXX when {$100.00} payment was made over the phone to stop harassing calls. Credit report shows 90 day late on XX/XX/XXXX when {$220.00} telephone payment was made on XX/XX/XXXX. Credit report shows 120 day late on XX/XX/XXXX when auto payment was drafted on XX/XX/XXXX. Credit report shows 120 day late on XX/XX/XXXX when auto payment was drafted on XX/XX/XXXX. I also show 90 and 120 day lates on my credit report in the year XX/XX/XXXX when I was an active student at that time and all of my student loans were DEFERRED. Here are those late dates : 90 day late for XX/XX/XXXX, 120 day late for XX/XX/XXXX, 120 day late for XX/XX/XXXX. I have tried calling numerous times and I have been unsuccessful in resolving this urgent issue. I have disputed these late payments with the credit bureaus and each time Navient responds with no changes made. I have sent written request via registered mail to Navient asking for this payment history to be corrected, and again they have not responded. I have emailed their complaint department and again, no response from Navient. I have depleted all of my options and I am very frustrated. Navient is hurting my credit and scores tremendously when they are collecting their timely payment each time. How can I possibly be late when they collect their money each month? I have proof of payment by providing a Bank statement for each month they claim the payment is late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was misinformed by a lender to not make the payment during a home refinance, we did not close on time so the payment has been reported as late. I reached out to the account lenders local office and made arrangements for a deferral. The account is still being reported as a late payment for the month. I have spoken to several folks at their corporate and they will not remove the reporting error or give a courtesy adjustment.
Product: Credit card

Hello! XX/XX/2023 I was billed to my credit card for XXXX for an annual subscription for {$99.00}. When signing up for an initial XXXX trial, there was no information provided nearing the end of the free trial that the subscription was in fact ending. This is against policies set forth by XXXX in their publication titled " Revised Standards for Subscription/Recurring Payments and Negative Option Billing Merchants '', which came into effect before this trial and billing occured. 

XXXX sent details to Citi card which very clearly did NOT show in their system that a notice was sent to the email listed. Furthermore they specifically excluded dates before XX/XX/2023. Based on many reviews, it is clear XXXX has made it deceptively challenging to cancel their services. Citicard did not honor this requested in a dispute, ignoring key missing information provided from XXXX, and have been unhelpful in resolving this. 

Careful analysis of various reputable sources demonstrates a clearly deceptive pattern of XXXX, most noted on the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; please see attached. Additionally their XXXX XXXX XXXX XXXX further illuminates their deceptive practices XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  please see attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed these fraudulent inquiries on my XXXX  credit report and I've disputed them several times with the company and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent inquiries immediately, thank you. 

Hard Inquiry Date XXXX  XX/XX/2021 CAPITAL ONE BANK USA NA XX/XX/2021 CAPITAL ONE BANK USA NA  XX/XX/2021 XXXX  XX/XX/2021
Product: Mortgage

XXXX appears to be engaging in deceptive promotional marketing practices. I called to start a refinance with them on XX/XX/XXXX based on a promotional mailer I received offering a {$500.00} lender credit at closing and a {$500.00} XXXX  gift card mailed once the refinance closed. I communicated this with loan officer throughout the process and e-mailed him a picture of the mailer. I also communicated this with the loan processor and e-mailed her a picture of the mailer. We have had XXXX signings scheduled, XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX. The first time no one showed up. The second time the notary arrived with documents that excluded the promotion. Despite repeated e-mails and phone calls to both the loan officer and loan processor, it took XXXX days for them to get back to me. The loan processor said the issue lies with the promotional department and she is having the same issue with XXXX other customers. Clearly theres an effort by XXXX to avoid honoring their promotions. Im concerned that other customers may either give up or not recognize that they are not getting the promotion. For XXXX loan processor to have XXXX customers going through the same issue is a clear indication of a systemic attempt to defraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed bankruptcy last XX/XX/2007 and still appears on my Experian report. It should be talen out ny now. Thank you! Most of my other accounts were old and still appears.
Product: Credit card or prepaid card

I have applied and received small business credit card with Sun Trust Bank with 12 month interest free offer and signed up for e-statestement. 

Due to covid conditions, i couldn't see their postal mail sent with credit card bill on time in the first month of making a purchase. The credit card portal doesn't have a way to pay the balance in it. I have to pay from my other account using bill pay, which causes additional delay in posting the payment. 
Later i reached out to the customer service and explained the situation and requested waiver on the fees and setup a payment every month with the assurance from the customer service representative, i would not incur fees or financial charges and my interest fee offer is reinstated. 

I continue to get postal mail statements with interest charges, but after logging into the credit card portal i saw my balance and fees were XXXX ( see attachment ), assuming that the system adjusted fees based on what the customer service representative told me in the call. 

I continue to get statements with interest and fees for the remaining balance, i called the customer service again to check if interest and fees were charged to my account, the person on the call confirmed, charges were occurring every month and they asked to reach out my branch to resolve the issue. 

I reached to the branch, with the same information. I was asked to wait until an internal enquiry on this matter completed. Today i was told, the interest charged on my account can't be refunded but the 0 % interest offer can be reinstated. 

I am frustrated with the banks approach towards customer, by not providing clear details in the call and gave wrong assurance that interest will not occur and credit card portals showing XXXX balance over the past months caused financial loss and stress to me. 

My statements above can be validated with banks recorded conversation that they have with me and the attached statements from credit card portal.
Product: Credit reporting or other personal consumer reports

I have multiple credit inquiries on my XXXX and Equifax account that I did not authorize
Product: Credit card or prepaid card

I made a purchase that required me to use a licensed dealer in my home state. The dealer charged a {$25.00} fee to facilitate the transaction and I used my 5/3 credit card to pay the fee. When I received my credit card statement they showed a cash advance, which never occurred. I contacted the dealer and they assured me that their credit machine was not set up to do cash advances and taht it was run as a credit transaction. I called the credit card company and was told that it was run as a cash advance and that the extra fees and higher interest rate would not be waved. I explained that I had never done a cash advance and that the dealer stated it was run as a regular credit transaction. They insisted that I owed the fee. I spoke to a customer service representative, their manager, the disputes department, and received the same line from each that it was run this way and I had to pay even though I was never a part of a cash advance.
Product: Checking or savings account

O n   XXXX   XXXX  , 2017, I arr ived in  XXXX   XXXX  for an  XXXX  vacation. On the early morning o f   XXXX   XXXX  , 2017, a thief stole my Chase debit card and cell phone, and apparently immediately began making   fraudulent purchases and withdraws, including an ATM withdraw in the   XXXX   XXXX  , a purchase at a fast food chicken place, and several purchases at a grocery store on the   XXXX   XXXX  . I reported the theft to the local Chase branch on  XXXX   XXXX  in the   XXXX   XXXX   that same day ,   XXXX   XXXX  , 2017 (   XXXX  Thursday  2017 ).  The personal banker put in a claim, and my account was temporarily credited in the amount of approximately {$1400.00} by the next d ay,   XXXX   XXXX  , 2017.    The thief also took out a   {$1600.00}   payday   loan, and had the funds deposited into a long closed  XXXX   XXXX   XXXX   checking account, but that is unrelated to this complaint against Chase Bank. Several days later, Chase temporarily credited my account for an additional approximate {$200.00}. O n   XXXX   XXXX  , 2017,  I read a correspondence from Chase Bank dated that day via Chase 's claims website, stating that Chase investigated my claim, found the charges to be " correct, '' and that in  six days, they wou ld take {$1400.00} from my account. I immediately phoned Chase 's claims department, and agent  XXXX  reopened the claim, so the resolution of that is pending.  On   XXXX   XXXX  , 2017 at  approximately  XXXX , I logged into the Chase online banking website to check my account balance, and saw a pending " miscellaneous debit '' charge of {$200.00} had been removed from my account that day. I immediately phoned the number on the back of my debit card, whereupon agent  XXXX  told me tha t Chase had  taken the {$200.00} out of my account upon their unnoticed determination that a fraudulent {$200.00} charge was " correct '' and " legitimate according to our investigation. ''  XXXX  refused to reopen the claim for investigation. This is impossible, and I believe Chase Bank violated the  EFTA. Th e charges were all outright fraudulent, and I reported them the very same day they occurred. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I got a letter a year ago from Rocky Mountain Recovery for a dental collection from a dental office I had never been to or even heard of. I called them and told them there was a relative of mine also named XXXX XXXX who lived in XXXX, Wyoming. They said they would note that. I asked where they got my address and they said they probably " googled it ''. I never heard from them again, but on XXXX XXXX, 2015 I applied for a mortgage loan and my banker pulled my credit and there is a judgment from XXXX County Court and an open collection from Rocky Mountain Recovery reported on MY credit. This is not my debt and I already told them that. I went to their office and they told me they would delete my information, but they were n't sure if that would delete the judgment that is on my credit report. I am extremely frustrated and have spent a lot of time trying to dispute online and get to the bottom of why this happened. I feel like the should have done something other than " google '' my name in order to receive information.
Product: Debt collection

I have been getting emails and phone calls about order of location and they will locate now im not sure whats happening here but this scary i have attached email as for the phone calls the number they leave is XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified letter of validation to the collection agency XXXX, on XXXX XXXX, which they recieved on XXXX XXXX. They never responded back to me within 31 days of the letter. So for a debt that I don't owe it is a violation of the FCRA and the FDCP. Therefore if it could'nt be validated XXXX must request that all reporting agencies delete the entry. As of XX/XX/XXXX, this will be XXXX months with no response.