23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I had a second mortgage with Wells Fargo ( {$110000.00} ). I had trouble when my husband was sick keeping up with our mortgage payments ( for 1st & 2nd ). I applied for a mortgage modification with both lenders. I was told by Wells Fargo that they wait to hear if the 1st mortgage approves a loan modification, then they follow suit. In 2013 XXXX, the holder of our 1st mortgage approved the mortgage modification. Upon learning that we were granted the mortgage modification, Wells Fargo converted our 2nd mortgage into a personal loan. They placed it in default and told me that if I did not pay the full amount they would foreclose on my house. 

Wells Fargo also filed for wage garnishment with the Circuit Court of XXXX County. I received a letter in the mail after the fact, but was not notified of the I had no option but to pull all of my money out of my 401k to pay them off ( {$77000.00} ). I also had to take additional loans out to pay off the full amount. 

By pulling this money out I lost my retirement savings, I took a huge tax hit. ( this is because they changed it from a mortgage loan to a personal loan ( without my knowledge ) ) Even though I satisfied the loan it is still on my publicly view-able court record for XXXX County ( as well as for XXXX XXXX XXXX County, because they filed in both accidentally ) I have email exchanges with their attorney XXXX XXXX admitting to the filing mistake and promising to fix it. It was never fixed. 

I had no choice but to pay it off as my job requires clearance level that I would lose if I had foreclosure or wage garnishments on my records. 

I have lots of documentation from this period of time. 

I made some phone calls at the time to try to find a way to complain, but was told by everywhere I reached out to, there was nothing they could do. I would like to pursue this at this time because as I watch the news I am learning there are more and more people in bad situation due to Wells Fargo and I like them held accountable.
Product: Credit reporting or other personal consumer reports

Subject : URGENT DEMAND FOR IMMEDIATE CORRECTION OF CREDIT REPORT INACCURACIES Dear XXXX XXXX This letter serves as a formal demand for the immediate correction of inaccurate and outdated personal information appearing on my credit report with Equifax, XXXX, and XXXX. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, you are legally required to investigate and correct any errors without delay. Failure to comply may result in legal action.

Upon review of my credit report, I have identified several discrepancies that must be corrected immediately to reflect the accurate details as follows : Additionally, the following reporting inaccuracies require correction without delay : Open dates Last reported dates Comments Date last active Date of last payment I have enclosed supporting documentation that verifies these inaccuracies. Per FCRA regulations, you are required to conduct a proper investigation within 30 days and correct these errors. If this matter is not resolved promptly, I will have no choice but to escalate this issue by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. 

Furthermore, I demand written confirmation once the corrections have been made and require assurance that the corrected information is updated across all creditors and data furnishers who have received the erroneous data.
Product: Mortgage

Please review Attachment 1, a two page summary of my concerns with the Wells Fargo mortgage application process. Wells Fargo denied my requested mortgage product/terms after first lying about my gross monthly income. Wells Fargo deliberately decreased my actual gross monthly income by 21 % and then proceeded to use this inaccurate gross monthly income to calculate a XXXX of 67 %, twice my actual XXXX. Wells Fargo then declared that my XXXX was too large, above 50 %, and I was not qualified for the applied for mortgage credit product.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$130.00} XXXX XXXX XXXX XXXX {$410.00}
Product: Payday loan, title loan, personal loan, or advance loan

My loan payment schedule clearly states that my payment is due on XX/XX/XXXX. Today XX/XX/XXXX BMG Money took a payment of {$150.00} causing my checking account to overdraw
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. 

XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 state 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: Debt collection

I was contacted by phone by a representative of Joseph , Mann & Creed about a debt to a company called XXXX for payment of a motorcycle monthly bill of XXXX. My bank was referenced as the connection to the debt. I told the representative that I will call my bank and call them back. I spoke to a rep from my bank that owns has the lean on the motorcycle and they assured me that the account was in good standing just as the bank website is reporting.
Product: Credit reporting or other personal consumer reports

Under the FCRA Section 1681e, it is the responsibility of credit reporting agencies to ensure the maximum possible accuracy of the information they report. As a consumer, I have the right to dispute any inaccurate information that may negatively impact my creditworthiness. I have all so noticed that there has been Legal actions taken on Experian, for these exact issues that I am dealing with.

I have tried numerous times to get these Fraudulent accounts removed from my Consumer credit report... 

XXXX ). XXXX XXXX XXXX ). XXXX XXXX XXXX These Accounts were not open by me, and This has been hindering me as I am in the process of buying a home for my family. Experian has failed to utilize reasonable procedures to ensure the accuracy and completeness of information on my consumers files. Please remove the fraudulent accounts from my credit report as soon as possible. 

Thank you in Advance. 
Yours Truly XXXX XXXX XXXX
Product: Credit card

Dear Sir/Madam : I have been a customer of Chase card for a long time. I am living in XXXX now and I don't have a XXXX phone number. I had service with XXXX for XXXX in the XXXX which was cancelled in XX/XX/year>. But the Chase card keeps charging me XXXX bills plus penalty charges. Both companies ( Chase card and XXXX ) don't mention email id in their company profile. With much difficulty, I was able to send letters. XXXX didn't reply. I am a XXXX XXXX and not tech savvy. 

On XX/XX/year>, Chase card sent a letter to my account statement like this- 'Charge you disputed is valid. It will remain on your credit card account. ' I am getting tired of dealing with these XXXX companies. Please help me, thanks in anticipation, XXXX XXXX p.s : how do i send the details of my account info etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to pay on my account multiple times, they said the payment was accepted and processed and then weeks later they would not inform me that it was not processed properly but i would see my current balance was exceeded my normal monthly payment, currently i have caught up on payments but i was caused to incur late charges from them as well as my bank for returned check or overdraft which was not the case. Because of this my credit took a serious hit because they reported a serious delinquency.
Product: Checking or savings account

On XX/XX/XXXX. I opened a Citibank Savings account through my CC portal. 
I was approved. I initiate a {$50000.00} transfer from this CC site. 
I received a debit card on XX/XX/XXXX. When I tried to activate the card, I was referred to Citi fraud Department. When I called, they would only tell me the account was closed and I will be receiving a letter explaining the details and will return any funds due in 60 days. They still will not tell me the reason for the closure. Our credit is excellent. 
I've called many times, escalating my case, to supervisor XXXX, then Manager XXXX. I was given conflicting information with each call. 
First we were told yesterday the case should be resolved by XX/XX/XXXX. and we can travel to a branch and withdraw our funds. Closest branch is XXXX hours away. Next we were told we can file a recall claim from XXXX, our bank. I went to our branch two different times and was told since this transfer was from Citi an internet debit payment, they were unable to process this claim. 
We need these fund to pay our bills. We are losing {$200.00} per month of interest earnings. We did not do anything wrong and are being punished for this slow recovery process. Please help.
Product: Debt collection

Received an alert from XXXX XXXX connected to my XXXX XXXX credit card. My credit rating went from XXXX to XXXX due to a negative indication that I am in a collection/chargeoff status with Mercantile Adjustment Bureau in an attempt to collect {$450.00} from a utility company in XXXX. I live in XXXX same address since XXXX after relocating from XXXX XXXX. Never been to XXXX. I contacted XXXX when this first appeared around XX/XX/XXXX and thought it was removed. I contacted them again today XX/XX/XXXX and also called Mercantile. I had to leave a message with Mercantile to call me back.
Product: Credit card

I discovered XX/XX/XXXX that all of XXXX there were {$3900.00} of unauthorized purchases. I called and disputed. I stopped using the card. They then stated after 60 days they would not reverse the charges and that I made the purchases so I called the vendor, XXXX. XXXX discovered it was my XXXX child who had clicked ( multiple times a day ) in app purchases. This cell phone is flagged as a child under XXXX. I had everything blocked on that phone including the XXXX XXXX app was not even on the phone! I didnt authorize these charges my son is a minor and can not communicate. XXXX agreed I didnt owe them and opened a case file to give to my credit card company. I called PayPal Syncrony back and filed another dispute and provided the case ID number. Collectively I spent 10 hour on the phone dealing with this. As this is an online account and by bills have been frozen since XX/XX/XXXX I cant even view statements to see what was going on. I also stopped using this card minus some autopay items. Which I have since locked the card and stopped. Im at the mercy of them telling me whats accurate. When this all happened I had per my last statement before the fraud/ disputed amount {$5800.00}. To avoid standard deferred interest I have paid In XXXX {$1000.00} XXXX {$1500.00} XXXX {$900.00} XXXX {$1000.00} and this month for XXXX {$1000.00}. Which totals {$5400.00}. I did have some purchases in XXXX for the holidays and it appears I will finalize the payment of {$1900.00} in the next month or two. 
My account still shows the Fraud/disputed amount of {$3900.00}. They told me per a letter that the credited my account permanently for the amount but the amount is still showing and they wont tell me more then they have 60 days to figure it out. We are going into 5 mi the of this issue not being resolved. As somehow they added that amount onto my account a second time. I am extremely stressed out. I have XXXX XXXX over this, Ive spend well over 10 hour dealing with this. Now I am being told they have 60 more days to figure this out. I need help. I need someone to review this and see what is going on. I can not believe this has dragged out and gotten worse. Please help me. Im a single mom of XXXX kids and I work to support my kids and this is becoming too much.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX Inquiries XXXX XXXX XX/XX/24 XXXX XX/XX/24 As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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

Please remove the following unauthorized inquiries from my Equifax credit report : 1.XXXX XX/XX/XXXX 2.XXXX XXXX XXXX  XX/XX/XXXX 3.XXXX XX/XX/XXXX 4.XXXX XXXX XXXX XXXX XX/XX/XXXX 5.XXXX XXXX  XX/XX/XXXX 6.XXXX XXXX XX/XX/XXXX 7.XXXX XXXX XXXX XXXX XX/XX/XXXX 8.XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

there is Incorrect information on my credit report I would like removed. I am being hit by experian for a hard inquiry on XX/XX/2019 from XXXX XXXX XXXX. Under the fair credit reporting act I have asked XXXX to show me any proof that I made any type of Inquiry with my signature from there bank which they have not showed any proof as I did not do this. I would like to have this Inquiry removed as it was never authorized by me and was fraud. I would also like this removed from any other credit companies that have this false information.
Product: Checking or savings account

My card was used unauthorized to book a hotel not even in my name. two charges for {$760.00} & {$200.00}. my claim was denied in less than 24 hours. another claim i filed was an XXXX XXXX transfer, i was scammed out of {$610.00} & never received an update to provide more information or anything. claim was denied within only 48 hours. thats a lot of money for me to have just lost out on and its upsetting, the proper investigation wasnt even conducted. there wasnt even an attempt to provide provisional credit, just flat out denied my disputes when these are VALID cases. Uploading proof that the hotel sent me that my card was used to purchase on a website not with my name. The {$610.00} charge was a scam as well
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. 

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

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX   XXXX {$530.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}
Product: Mortgage

My mortgage was originally handled with XXXX XXXX XXXX with the first payment due by us on XX/XX/XXXX XX/XX/XXXX Payment for {$2700.00} using XXXX account number XX/XX/XXXX I received an AmeriHome statement that they had not received payment. I immediately realized that I needed to use the AmeriHome account # and that my bank had returned my XX/XX/XXXX payment XX/XX/XXXX I sent 2 payments for {$2700.00} each for XXXX and XXXX. I also called AmeriHome ( XXXX # XXXX ) to let them know of the situation. She told me to wait until the end of the week to see if the payments posted. 
XX/XX/XXXX Both payments cleared XXXX ( proof of payment from XXXX attached ) XX/XX/XXXX Payments still not posted on my AmeriHome account. Was told to send proof to XXXX. I did and received an email back that I would need to communicate via their secure website. ( Both emails are attached ) XX/XX/XXXX Sent proof through their secure website as instructed which was confirmed by them on XX/XX/XXXX ( Communications are attached ) XX/XX/XXXX @ XXXX called AmeriHome and spoke to XXXX she transferred me to finance to check the encrypted communications and gave me their number XXXX in case we were disconnected. Spoke to XXXX who confirmed receipt of my correspondence. We confirmed the proper account number was noted. She did not see the payments posted. We discussed me calling XXXX to again confirm and verify payments. The call was dropped and I did not have time to call at that time. 
XX/XX/XXXX I called XXXX XXXX spoke to XXXX who confirmed that payments had cleared. She explained that meant it was in AmeriHomes system now. We confirmed account numbers. She also offered to set up a direct call with AmeriHome. 
XX/XX/XXXX called AmeriHome XXXX Spoke to XXXX ref # XXXX. He stated that they had not received any payments from us and that there was no communications from us and that our mortgage was in default. I asked for his supervisor after waiting another 30 minutes he told me that no one was available. He also reiterated that they had no correspondence from me. I asked him to look back at my call from XXXX on the XXXX and he said she had wrote the same thing. I told him I was looking at the confirmation on his website and he just repeated they had nothing from us. 
XX/XX/XXXX Called XXXX XXXX spoke to XXXX case # XXXX. She respectfully listened made notes and gave me suggestions on how to proceed and that they
Product: Credit card or prepaid card

I applied for an Amazon Visa card about two months ago and was rejected. Upon checking the status a few weeks later there was a message I would be messaged as to why I was rejected but never received anything in the mail as to what the reason for the rejection was.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXXXXXX 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 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: Money transfer, virtual currency, or money service

In regards to Zelle, I was denied a refund for a transaction that I was unaware of. I was informed that due to the way the funds were activated, it was impossible to track and recover. I felt neglected and unprotected ; my bank and Zelle failed to investigate it further. I was vulnerable to scams, and I didn't get enough assistance in the situation. I am writing to express my concerns regarding Zelle and my bank 's handling of a dispute I made in the past. In the future, there will be a better system to protect those who decide to put their trust in Zelle.