23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I qualified for a mortgage modification XX/XX/year>. The documents were sent for e-signature via e-mail. The e-mails were wrong. My husband 's documents were sent to my e-mail so when I e-signed, his name appeared in the documents. My e-mail was completely incorrect ( never used that e-mail address ). I requested that they correct PHH e-mail addresses. They said they could not and that the documents needed to be ink signed- they sent me a link to print the document and take to a notary. I explained that my husband was deceased and the I can not e-sign his name. ( I had informed PHH of this prior. ) I also informed PHH that I was qualified for the modification on my financial situation alone. They requested a copy of a death certificate. I needed to obtain one form the funeral home. I requested. It took a few months to receive - snail mail. When the death cert was received, it was sent to PHH. They told me that I needed to request a modification all over again because it was now XXXX but the modification would be granted because the previous request was granted and I had complied with all of the conditions. It was not granted. I had requested modifications a few times and they were all denied. I was asked to sign my husband 's name to a document after he was deceased. I don't want to lose my house but I can not sign his name - that is fraud. The attorney 's for PHH said that I should not have signed his name and that they would process the modification through their in-house modification dept. When I called to follow up they merely told me that they forwarded the documents to PHH for processing and that I need to wait. Auction is in 4 days. I need help or at least someone to postpone auction until I can straighten this out.
Product: Credit card or prepaid card

AFTER REVIEWING MY RECORDS I FOUND A CHARGE ON MY CARD FROM XX/XX/15 DONE BY XXXX XXXX XXXX FOR {$750.00} I CALLED BANK OF AMERICA AND WAS NOT ONLY TRANSFERED 6 TIMES BUT WAS ON HOLD FOR  OVER TWO HOURS. THEN FINALLY SPOKE TO A VERY NICE MAN XXXX WHO WAS EXTREMLY HELPFUL HE TOOK MY FRAUD CLAIM AND EXPLAINED I WOULD BE CREDITED. AFTER A FEW DAYS I GOT A LETTER STATING THAT THEY REVIEWED THE COMPLAINT AND SAY THERE IS NO FRAUD, AND THAT IT IS TO OLD FOR THEM TO HELP ME! I NEVER GAVE THESE PEOPLE MY INFORMATION, AND AM VERY UPSET THAT I WOULD HAVE TO PAY FOR SOMETHING I DIDNT DO!
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 XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX EQUIFAX MORTGAGE SER XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance the fair credit act DEPTEDXXXX XXXX XXXX has violated my rights 15. U.S.C 1681 section 602 A. States I have the right privacy 15 U.S.C 1681 604 A. A consume reporting agency can not furnish a account without my written consent
Product: Credit reporting or other personal consumer reports

The account from XXXX XXXX XXXX, Account # XXXX in the amount of {$1700.00} is the result of identity theft. Ive never lost a lawsuit, signed an agreement, made a contract, received any goods, services, or money with this company. This account does not belong to me. Under the FCRA section 605B [ 15 U.S.C. 1681c-2 ] a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I contacted Transunion by mail with all required documents such as Proof of identity, Proof of Adress, A police report, an FTC report, and a copy of section 605b, on XX/XX/year> ensuring that they will remove this fraudulent account. Transunion failed to remove this fraudulent account and did not provide verifiable evidence to prove otherwise. Therefore, Transunion failed to comply with the relevant consumer protection laws, therefore if this fraudulent account isn't removed, I have to assert my rights and seek to take further actions in a lawsuit. Attached to this complaint is a copy of my drivers license, a police report, an FTC report, and a copy of section 605B [ 15 U.S.C. 1681c-2 ].
Product: Credit card

I made my payment by the due date listed but Capital One instead is posting on the following day causing me to incur a late fee. I called them about it but they refused to take it off saying it was late and there was nothing they could do. Right! 

They have done this before, ( 2 other times at least ). The last time this happened, I called to complain they said I was late because I paid too late for eastern standard time, which was news to me as Im in California. When you have a due date, you are going by the calendar/ time of where you live. 
Regardless of how shady I thought this practice was, I made a point to pay on the date within XXXX. 
As I did with this current payment. 
I paid at XXXX my time ( XXXX. STILL on the due date. 
Now they say Im late bc it I should have paid by XXXX XXXX., Even though it was STILL the XXXX! 

I guess the billions they make on 30 % interest isnt enough, they have to find other ways to to get more money out of you regardless if its unethical or illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the XXXX credit bureaus to confirm these records ( XXXX ). ( A ). I'm confident the contested records are settled. 
*XXXX XXXX XXXX  Balance : {$0.00}
Product: Credit card

Item purchased not as described and vendor would n't answer means of contact provided on invoice for return, no address provided. As a result of not being able to contact the vendor I opened a dispute ( Case ID XXXX ) with Juniper bank specifically noting I could not get a response from the merchant and an address was n't available. A received a denial letter on XXXX/XXXX/16 stating the vendor had n't received the product back yet and Juniper stated the dispute was closed. I acknowledged said fact as it was the entire reason for opening the dispute and as requested by Juniper I sent a written request to reopen the dispute on XXXX/XXXX/16, they obliged. On XXXX/XXXX/16 Juniper called me and noted the dispute was re-opened and I verbally requested the vendor 's address for return. They said they 'd call me back. On XXXX/XXXX/16 I called Juniper and requested the address for return and was told the dispute was closed. I informed them it should n't be as they already acknowledged receipt of my XXXX/XXXX/16 letter requesting re-opening. The Juniper agent, said " ok it 's opened again '' and I yet again requested the vendor 's address. Juniper said they 'd call me back. On XXXX/XXXX/16 I called Juniper again and requested the address, the rep. gave it to me this time and I asked, " will I receive the full refund upon the vendor receiving the returned merchandise? '' The recorded response was, " yes provide us with written tracking that it has been delivered and we 'll credit your account. '' I shipped the package on XXXX/XXXX/16 and upon delivery provided Juniper with written documentation of its delivery. On XXXX/XXXX/16 I received a letter stating I would not be receiving the credit as the case has been closed since a letter dated XXXX/XXXX/16, one I never received. Also note above everything that happened after XXXX/XXXX/16, XXXX/XXXX/16 the operator noted it was re-opened and XXXX/XXXX/16 being told to mail the merchandise back for a credit. Why if it were closed are they telling me to send merchandise back? Only after I jumped through all of their hoops and incurred additional ( return shipping expense ) did Juniper renig on their offer. I called and spoke with a so called Sr. Customer Service Management and asked why I was told to send the merchandise back on XXXX/XXXX/16 if the case had been closed since XXXX/XXXX/16? I was told the ( XXXX/XXXX/16 ) rep. did n't have the authority to do so and for me to deal with the vendor!!?!!? I guess the Sr. Customer Service Manager did n't even read the file or she 'd know that 's the entire reason for the dispute in the first place. I asked Juniper to stand behind their XXXX/XXXX/16 rep. and they would not even though it 's on a recorded line. The Sr. Customer Service Rep. said she would need a RMA from the vendor ... ... ... ... ... .the one I ca n't get in touch with and proved to Juniper multiple times throughout the process.
Product: Mortgage

Roundpoint mortgage was the servicer on my account. My taxes were due in XXXXXXXX XXXX They sold the servicing of my mortgage on XX/XX/2022 to XXXX XXXX XXXX I received a letter from the state saying that I had not paid my taxes and now I am delinquent on my taxes. When I reached out to Roundpoint they said they accidently paid XXXX XXXX instead of XXXX XXXX XXXX. I emailed them the past due notice on XX/XX/XXXX. I have followed up with ever week since I sent the email with the notice. They keep saying they are waiting to hear how they are going to get the money back from XXXX In the meantime, my taxes are in default and I could get a lien placed on my home.
Product: Credit reporting or other personal consumer reports

CAPITAL ONE BANK USA XXXX Capital One XXXX XXXX, VA XXXX Date of Inquiry XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I do not recall authorizing all these inquiries.
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint against Experian for failing to properly investigate and resolve my disputes regarding the following inaccurate charge-off account on my credit report : On XX/XX/year>, I disputed the following charge-off account on my credit report due to errors and lack of accurate reporting with Experian : XXXX XXXXXXXX in the amount of {$620.00}. The creditor has failed to provide adequate documentation to verify the validity of this account upon my request. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) and 1681i ), Experian is required to ensure accurate reporting and conduct reasonable investigations. To date, no valid documentation has been provided to verify this account. Additionally, the recent CFPB lawsuit against Experian underscores concerns about inadequate dispute investigations, which I have experienced firsthand. 

I am requesting the CFPBs intervention to demand the removal of this account from Experian because of their lack of inaccuracies to conduct reasonable business practices.
Product: Credit reporting or other personal consumer reports

I am Calling in question the The illegal Collection accounts reporting on my XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX Midland Credit Management XXXX XXXX 12 CFR 1006.34 Notice for validation of debts. ( i ) ( B ) ( ii ) ( A ) In the initial communication, as defined in paragraph ( b ) ( 2 ) of this section ; or ( B ) Within five days of that initial communication ; or ( ii ) By providing the validation information orally in the initial communication. I am requesting all credit collection companies provide the Written or oral documentation that I was given notice of the collections Remember documentation must be 1 ) Clear and conspicuous means readily understandable. In the case of written and electronic disclosures, the location and type size also must be readily noticeable and legible to consumers, although no minimum type size is mandated. In the case of oral disclosures, the disclosures also must be given at a volume and speed sufficient for the consumer to hear and comprehend them. I will also need to see the full debt validation The Copy of the Application for Credit : Kindly provide me with a complete copy of the application for credit associated with the account in question. I need to review this document to ascertain the nature of the alleged debt and verify its authenticity. 2. A Copy of the service or loan Agreement with my signature and Any Amendments : I am entitled to see the full agreement along with any amendments that have been made to it. This information is crucial, as it outlines the terms of the contract and dictates the rights and obligations of both parties involved. 3. Monthly Statements from XXXX Balance to Final Statement : I request copies of all the monthly statements from the time the account had a XXXX balance up to the final statement. This will enable me to review and analyze all changes, payments, credits, and other activities on the account, cross-referencing them with the agreement to ensure the accuracy and correctness of the amount being claimed. 4. The Full Purchase Agreement Between Original Furnisher or Furnisher in Chain : I demand a comprehensive copy of the purchase agreement between the original furnisher or any subsequent furnisher in the chain the purchase agreement should outline legally binding document that parties in a transaction use to stipulate the terms and conditions that will guide the sale and transfer of goods or property This documentation is essential to validate that you have the proper legal capacity and authority to pursue the alleged debt from me. The account And ledger
Product: Credit reporting or other personal consumer reports

PLEASE DELETE THE FOLLOWING INQUIRIES XXXX XXXX Date of inquiry : XX/XX/2023 XXXX XXXX Date of inquiry : XXXX/XXXX/202 XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/2023 XXXX XXXX XXXX  Date of inquiry : XX/XX/2023 XXXX XXXX XXXX  Date of inquiry : XX/XX/2023 XXXX XXXX XXXX Date of inquiry : XX/XX/2023
Product: Bank account or service

I had a transaction of XXXX dollars from XXXX whose date was changed by Wells Fargo. The transaction was not processed by Wells Fargo until XX/XX/2016 after a direct deposit had been made and it is still being processed by XXXX. However, Wells Fargo changed the transaction date from XX/XX/2016 to XX/XX/2016 the in order to charge me an overdraft fee. When I called them, they told me that Wells Fargo was only allowed to reimburse me XXXX out of the XXXX dollars of overdraft fee. This is not the first time, this kind of issues has happened. I have had it with this bank.
Product: Checking or savings account

I closed my citi priority checking account in XX/XX/2020 XXXX confirmation received and online access to that account was no longer available ). However, I keep on receiving mails claiming that I owe Citibank monthly service fees and overdraft fees.
Product: Mortgage

Summary : Ally XXXX  is erroneously charging us for property taxes that are not assessed by XXXX XXXX. Repeated discussions with their people, and referrals to their Escrow department to double check, have been ineffective. With this mistake in place Ally Mortgage is raising our monthly escrow payment by nearly $ XXXX, which we will not pay and they have been unable to correct. 

Our home property taxes to XXXX XXXX, WA are {$8900.00} annually, payable by XXXX installments, XXXX in XXXX and XXXX in XXXX each year. 

We received an Annual Escrow Account Disclosure Statement from Ally Mortgage, dated XX/XX/XXXX. This statement indicates that XXXX separate disbursements were made from our escrow account in XX/XX/XXXX, XXXX for {$4400.00} and a second one for {$3500.00}. Both payments were described as being " XXXX. XXXX  '' payments. The {$4400.00} payment is the proper amount owed, a XXXX XXXX treasurer statement dated XX/XX/XXXX showed that {$4400.00} was received and credited to our account, and NO further taxes were due by us until XX/XX/XXXX. 

The {$3500.00} amount that Ally disbursed from our escrow account. is NOT ours to pay. XXXX XXXX treasurer did NOT receive a payment of {$3500.00} for our account. I have spoken with them about it and they verified they did not receive that. 

On XX/XX/XXXX at XXXX PST I called Ally Mortgage at XXXX. I explained the situation to the customer representative and she said that the Escrow department would research this and send me an updated statement. 

I did receive an updated statement and it still indicated this bogus {$3500.00} charge. 

On XX/XX/XXXX at XXXX PST I again called Ally Customer Service and spoke to a gentleman about this issue. I asked him who this bogus payment of {$8500.00} was paid to and he said it was paid to XXXX XXXX. XXXX XXXX denies that they received a payment in this amount for our account. After several minutes of wrangling he said he would personally look into this and call me back. 

As of XX/XX/XXXX I have received no further response from Ally bank and have decided to file this complaint. 

Until this is resolved I have canceled our AutoPay to Ally XXXX. Payments will be made by a mailed check that will continue principal, interest and escrow payments made before this error was introduced.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently went to try to apply for another mortgage, but I got copies of my credit report and noticed a lot of inaccuracies.My reports should be 100 % accurate and the credit bureaus are willfully reporting negative items, which is unfair because this is directly impairing the banking system and ruining my reputation with the banking system. I demand that all inaccurate items be deleted immediately because they do not belong to me. My information was made public in the various data breaches ; Equifax data breach is one of them and someone successfully opened up accounts that were unauthorized and I didn't not consent to.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting bureaus do not report accurate scores. I understand that scores differ a little on each report but my scores are too different. It is interrupting my attempt to repair my credit and stopping me from having good credit. My XXXX score as of XX/XX/2018 is : XXXX Equifax score as of XX/XX/XXXX is : XXXX XXXX   score as of XX/XX/2018 is : XXXX I need this to be fixed. It seems like a scam to keep me from enjoying the benefits of good credit.
Product: Money transfer, virtual currency, or money service

Hi, My Names Are XXXX XXXX XXXX. 
I opened a PayPal account and was using it fine until one day, paypal decided to limit my account and demanded some documents. I provided the documents but I received an email later that my account will be limited for 180 days and that afterwards I'll receive an email on getting my funds ( {$300.00} ). 
180 days passed as stated and on XXXX XX/XX/2021, I received an email that my funds are eligible for withdrawal. This is when the problem started. 

I tried to link a XXXX XXXX account for withdrawal but it wasn't possible. I got an error " There's a problem with your account contact us to resolve this ''. I contacted them and on XX/XX/2021 and I got an email that I can now link my XXXX XXXX  account to transfer my funds. I tried again but this time I got an error " Sorry we can't link that bank because it is disabled. Please try a different bank ''. 

I contacted them about this but no valid response. I then tried linking my VISA card that I've been usually using to transfer funds from my PayPal in the past. This I received an error " There's a problem with your account contact us to resolve this ''. I called them about this again but no valid response. 

Therefore, I can neither link my bank nor card to initiate a transfer based on the email they sent on XX/XX/2021 about the availability of my money XXXX {$300.00} XXXX. Please help me get them to allow me link my VISA card or bank to be able to transfer my funds. My PayPal email address is XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute accounts and inquiries listed on my consumer credit report, as referenced below, which are the result of a data breach or fraud. Additionally, I request verifiable proof, including my signature or electronic signature, to validate these actions.

This letter is sent directly by me, not a third party, so I ask that you review it carefully. I never authorized these actions, which violate my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically, these actions breach Section 605B [ 15 U.S.C. 1681c-2 ], which requires the blocking of information resulting from a data breach or fraud, and Section 604 [ 15 U.S.C. 1681b ], which outlines permissible purposes for consumer reports. 

I have reached out to the companies involved and confirmed that these actions were initiated without compliant validation or original proof from the reporting entities. As I did not authorize these accounts or inquiries, they are inaccurate and likely the result of a data breach or unauthorized reporting of my consumer information by creditors or third-party data furnishers.
Product: Debt collection

XXXX has stated that I and/or my wife XXXX XXXX owes {$1400.00} from past due tuition for our child attending daycare. This amount is wrong as there was a huge computer issue that overcharged our account by XXXX and this amount that National Recovery saying we owe is the remaining balance that was never issued by XXXX back to us! 

The statement records will show the large overpayment and the issues in returning our funds. This was a huge mess and we have tried to resolve this with XXXX however no one was able to help and we refuse to double pay! 

This debt should be removed from my wife name ( XXXX XXXX ) and should be a XXXX balance based on the fact this was already paid.
Product: Vehicle loan or lease

On XX/XX/2023 I called to pay my account overdraft XXXX I was only able to pay XXXX and agreed I would pay the remaining XXXX so that I can put in a deferment for 2 months as I am currently on XXXX XXXX  They told me yes after the payment I can submit the deferment now they saying I owe XXXX I would like them to keep up there end of the deal as the call was recorded and I can not give any extra currently.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a follow up letter, as my first complaint was closed with no results. 
This erroneous account was to be removed in XXXX XXXX per XXXX XXXX 
As of XXXX XXXX it is still on all 3 credit bureaus.