23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

When Wells Fargo noticed we went to branch monthly to pay mortgage, persuaded us to open a savings/checking accounts with Wells Fargo for no charge and ease of payment. After we setup monthly automatic mortgage payment, there is no activity in our accounts. Monthly fee started to be assessed ( because our savings account balance have been bellow {$2500.00} XXXX. Because of no paper statements from the bank, even though each month we got a email reminding statement is ready, we never logged on to check. 

This has been going on for more than a year, without warning or call from Wells Fargo until this XXXX when we accidently noticed the only activity of the accounts has been the fees for more than a year.
Product: Mortgage

I was 3 months behi nd on my Wells Fargo h ome mortgage because me tenant was late on rent. My tenant became current on the  XXXX . Normally i pay  online thru Wells Fargo 's website from my Wells Fargo checking account but my access was denied with Wells Fargo stating they were trying to help me avoid foreclosure. i called Wells Fargo  mortgage on  XXXX   XXXX  to ma ke 4 payments and asked the late fees to be paid next month. I was at the pool with my kids and the Wells Fargo rep asked for my routing number and acct number which i did not know. I asked for online access I could make my mortgage current and was told to call back when I have my checking info. I gathered this information and called Wells Fargo three times t oday. The first time at  XXXX   XXXX  I provided my info but was disconnected when i was transferred to the mortgage dept. I called back at  XXXX , gave my info and was connected to the mortgage dept but the rep had computer issues and could n't access the payment portal so she asked to transfer me. Again i asked for online access so I would n't waste more of my time but when i was denied i asked not to be disconnected when I was being transferred. Sure enough i was disconnected. I called back at  XXXX  and provided my info. The customer service rep tried to walk me through an online payme nt which failed so she transferred me to the mortgage dept. I am going through a prolonged divorce so being fed up Wells Fargo I decided to pay other bills and only pay 2 monthly payments to Wells Fargo. Wells Fargo said  they would not accept a payment for half the amount owed and would only accept payment in full. How is this trying to help me avoid foreclosure? I only owe $  XXXX  on my mortgage. My hous e (   XXXX   XXXX   XXXX   XXXX ,  XXXX , WA  XXXX  ) is in a high demand area and will sell i n one da y for $  XXXX . This is unfair practices which seem deliberate to aggravate the consumer to make poor decisions. I am available to speak at any time. Thank you,  XXXX   XXXX   (  XXXX  )   XXXX
Product: Checking or savings account

Chase Bank has wrongfully restricted my account due to legally changing my name, which is complete and legal, and they have all necessary documents to prove a legal change took place and to verify my identity under the new name. Despite this, they have claimed my social security account doesn't match the name on my account ( it does ), restricted my account and closed my credit card information. They also restricted/closed my accounts nearly a week before the deadline they gave me to resubmit all necessary information ( which I did before the deadline ). It has been weeks, and I am about to submit my documents for a third time in person. Considering changing one 's name is a common situation for many people for many reasons throughout their life, and all three major credit bureaus have clear, specific processes to report a name change specifically for gender identity purposes, not only is this conduct outrageous, it is pathetic and unacceptable that they can't hold themselves to the same standard as the major credit bureaus and simply create a nondisruptive policy for this, or even any process at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

Companies Involved : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX Experian My credit report was obtained via XXXX by someone using my SSN, Name, DOB and other information. XXXX does not have a phone number where I can report this fraudulent activity or speak with someone about what information was given out on my credit report and accessed by someone else. The XXXX XXXX information was then used to open a XXXX XXXX account in my name and SSN and previous address. The XXXX XXXX account number is XXXX - which was not paid and then sent to collections for {$6000.00}. I realized this account was on my credit reports and attempted to dispute this account and all charges associated. All three credit reporting agencies have denied my requests. The claim/report numbers below : XXXX  - XXXX XXXX  - XXXX  XXXX Experian - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX Fraud Claim - XXXX XXXX XXXX denied and completed by fraud claim ( # XXXX ) without contacting me. In order to speak with a fraud agent, I have to wait on hold for 30+ minutes. I have sent the police report to XXXX and am waiting for them to remove the account from my credit report.
Product: Debt collection

21st mortgage I was behind one payment, they call upwards of 5+ times a day, ( I have caller ID records to prove it ) emails sometimes more than once everyday. They send certified letters to any address they find on the internet. They send letters not certified constantly. They call phone numbers that are n't even mine, talking to other people about my loan. I have asked them repeatedly not to call, or send letters to any other address other than the one they have on file. I have asked repeatedly for a pay off figure not to include an escrow balance. I have asked for a complete payment history, they refuse to send one. What they have sent are XXXX completely different histories, and they say that " XXXX '' has his own set of books. They are charging a negative escrow from the previous owners of the house, even though the contract says that any negative escrow will become XXXX at the point of transfer. They paid someone elses taxes with my money, and charged me for it. I have spoken with their accounting department, and they ca n't even make heads or tails to the payment ledger. We are missing at least {$600.00} in escrow payments that were collected, and not deducted from the balance. Also, they sent " men '' to our house to collect the ONE late payment, even though the property is private, and posted. I have sent in writing that they are not allowed on the property, ( The land is n't included in the loan ) and they caused major property damage, I asked for their insurance information and they refuse to give it to us.
Product: Mortgage

My husband and I purchased a home in XXXX, we both signed VA loan with XXXX XXXX XXXX. Several years later my husband took out home equity line of credit for XXXX. I did not sign this loan it is in his name alone. I did however sign the lein to our property. In XXXX, my husband died due to XXXX XXXX Exposure in the XXXX XXXX. He left no assets and his estate was probated, leaving the home solely in my name. I contacted XXXX XXXX XXXX and the loan was behind due to medical expenses. XXXX XXXX XXXX did a loan modification for me on the orriginal loan. I am not sure I should have had to pay fees for that loan but I did. When I contacted Wells Fargo, they would not give me any information on the loan, would not eeven give me the terms because my name was not on the loan. They even locked me out of the online account services. I asked if I occuld assume the loan, and they said they could not dicuss the loan with me. They did say that I was not responsible to pay the loan as my name was not on it, but since I signed the lein if it wasnt paid they could forclose. So continued to pay through my bank 100 dollars every month ( the amount due monthly was XXXX ). I still had no idea what the terms of the loan were. A few months ago a statement made it through to my house. This is when I learned this was an intrest only loan with a balloon payment due in XXXX XXXX. I called Wells Fargo and at this point they now said I was elligiable to refinance. Why not three years ago? I dont know, I paid three more years of nothing. The original amount was XXXX I now owe XXXX. I cant get a strait answer out of Wells Fargo and now after fighting scrimping and saving to keep my family home for myself and XXXX children, I risk loosing it even though I have paid XXXX toward the loan over the life of the loan. The last three years without my knowledge that none of it was going toward the principle. Now they are trying to get me to go into a work out??? why I have never been late? They keep sending me hardship paperwork to fill out. My attorney says I am not liable for the loan and shouldnt have had to keep the terms for the last 3 1/2 years. So now a widow of a XXXX XXXX at risk of loosing the family home because of a financial institution taking advantage of consumers
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my personal credit report, which I acquired from your organization on and I noticed that this unauthorized inquiries had been made 1. XXXX XXXX ( XXXX XXXX, XXXX ) 2. XXXX XXXX ( XXXX XXXX, XXXX ) 3. XXXX XXXX ( XXXX XXXX, XXXX ) 4. XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX XXXX, XXXX ) 5. XXXX XXXX XXXX  ( XXXX XXXX 6. XXXX XXXXXXXX XXXX ( XXXX XXXX, XXXX ) 7. XXXX XXXX ( XXXX XXXX, XXXX ) 8. XXXX ( XXXX XXXX, XXXX ) 9. XXXX XXXX XXXX ( XX/XX/XXXX XX/XX/XXXX
Product: Debt collection

This is a follow up complaint to complaint # XXXX. I called American Collection Enterprise , Inc and spoke with XXXX XXXX. I have never come across a more rude and belligerent individual. She repeatedly cut me off and refused to transfer the call to somebody with more manners. It was impossible to further discuss my case with them but at this point beyond the written dispute, 2 CFPB complaints and call today with them, they continue to attempt to collect a debt that is not owed and have not furbished any tangible evidence whatsoever.
Product: Mortgage

I got behind on my mortgage payments the last part of last year ( 2015 ) I applied for a modification, as I was instructed to do so by XXXX bank and not to make payments. My loan then was sold to SPS and my modification was denied, I submitted an appeal which is currently in review.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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
Product: Credit card

On XX/XX/XXXX and XXXX, XXXXXXXX XXXX fraudulent charges were made on my PayPal account for {$200.00} each. I alerted PayPal and Synchrony Bank contacted XXXX  XXXX XXXX several times with no success. In XXXX, I wrote to XXXX XXXX, from the Office of XXXX Attorney General. The involvment of that Office initiated communication with PayPal and Synchrony Bank. I was refunded {$200.00} from XXXX XXXX XXXX. The XX/XX/XXXX {$200.00} charge remained. On XXXX, I sent a certified check to Synchrony Bank for {$920.00} to close my entire account balance minus the XX/XX/XXXX {$200.00} charge. I am continually being billed for this fraudulent purchase, plus interest. 
On XX/XX/XXXX, I sent a letter to Synchrony Bank, once again explaining the charge. There was and still is, no response. On XX/XX/2024, after more email reminders of my delinquent payment, I phoned Paypal and was transferred to the Synchrony fraud department. There, a representative named XXXX, employee number : XXXX, informed me that XXXX XXXX XXXX refunded {$600.00} to my account. And, she added that she could prove it. I need to add she actually laughed at me. 
Six days ago, I emailed XXXX XXXX XXXX because there was no alternate means of contact. I asked when and amount of their refund. I received an email response that ONLY ONE REFUND WAS MADE FOR {$200.00}!!! My credit has been impeccable. I refuse to pay my present balance of {$380.00} ( {$200.00} + interest ). 
Thank you for whatever help you can provide me. This ongoing mess is affecting my health!!!
Product: Money transfer, virtual currency, or money service

On XX/XX/23 I transferred {$350.00} from my bank account to my new Citibank account I opened XX/XX/23 over the phone speaking to an agent, XXXX weeks later on XX/XX/23 they began closing the account out for no reason, without refunding my funds, spoke with XXXX who said his supervisor would not take the call XXXX refused to file this dispute seems like he didn't file my dispute because he knew my voice was connected to an XXXX XXXX  face and for Citibank to take my money then close my account then allow their agents to not file a dispute seems very odd that a bank would not correct this issue sooner instead I am having to file a complaint to attempt to get my funds back since XXXX left me on hold never filing a dispute wasted an hour of my time with a bank that took my money and refused to refund any of it. on XXXX and I need my money since they have closed the account before this turns into an arbitration... also spoke with several agents who would leave me on hold or hang up on me and they are very bad for a bank that refused to refund my account for fraud ... .they are violating regulation e policy, from XXXX, XXXX XXXX and XXXX XXXX, all of the agents refused to correct this issue by filing a dispute wasting time and causing more issues when fraud when fraud was on my account, and i need my money
Product: Bank account or service

National Bank of Arizona charged my checking account {$33.00} for NSF fee for a " pending '' transaction. My account was never overdrawn as my payroll check was deposited before the item cleared my account. Even my online statement shows that my account was never overdrawn. I called the bank and they refused to reverse the NSF fee.
Product: Credit card or prepaid card

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXXXXXX XXXX XXXXXXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX NY XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$15000.00}
Product: Credit reporting or other personal consumer reports

I received a copy of my credit reports and am writing to dispute the following information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX  Balance {$5500.00} Date Opened XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard Inquiries found on my credit report that are fraudulent, listed as follows : XXXX. XXXX. 
XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. 
XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX
Product: Mortgage

This company Shellpoint Mortgage Servicing doesn't report my monthly payment on timely manner. Today is XX/XX/2022 and they still have not reported myXXXXXXXX XXXX  payment as no data on my XXXX credit report. My credit score hurts for their delay every month
Product: Mortgage

I was with XXXX XXXX XXXXXXXX and in a forebearance that ended XX/XX/2021. I was in process of getting a XXXX XXXX flex modification when my loan was switched to a new servicer select portfolio servicing. I have not gotten any answers as to what happened to the flex modification I was supposed to need put in from this new servicer. They tried to put me in a repayment plan that is {$14.00} more than my total monthly income of {$1000.00}! All without me submitting any financial documents to them. I can afford my regular payment with an additional {$100.00} towards balance of unpaid payments, but not much more. Please help, I'm a single, XXXX woman on XXXX and do not want to lose my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I sent a letter regarding unauthorized inquires on my credit report, to this day I have not received a response yet. I feel like i'm being taken advantage of and being ignored of my disputes. This should be taken into a serious matter. Since they do not have my authorization nor verbal, I ask that you DELETE these unauthorized inquired from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. According to section 604 of the Fair Credit Reporting Act permissible purposes of consumer reports 15 U.S code b 1681b in general. I demand that you delete these inquires/ accounts immediately or I will file for LITIGATION due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the wrong hands of the wrong breach.
Product: Mortgage

last year i have been approved to a trial modification payment and i made all my payments within the stipulation on the letter ... i was making my payments ALL and until XXXX when the payment was due i called the automated service as usual and they informed me that they can NOT obtained my payments because they denied my loan mitigation application. According to them i did not provide the information they requested. also they informed me that they never contact me because in their system they had an attorney in file ... ( THIS WAS NOT TRUE ) the attorney they were attempting to send documents ( never copy me on any letters ) were sent to an attorney that worked for the association of the condominium i reside HE NEVER REPRESENTED ME. 
The only solution they provided me back then was to resubmit the application package AGAIN and re apply .... I did it, and I was denied again Now because they said i miss two payments ( Payments that they did not took in XXXX, XXXX XXXX and because i had applied twice ( which this is what i was told by them ) I am a senior spanish speaking and I asked them the option to please revise the circumstances of why the application has been denied. i being living in the property for 14 years and with the pandemic i am suffering XXXX  I am affraid to loss my home please help me to have them review my case carefully as i feel this is not being handle appropriately and with care according with my case.
Product: Mortgage

Dear Freedom Mortgage Company ; I was shocked when I reviewed my credit report and found late payment on the dates below : [ XX/XX/year>, XX/XX/year>, XX/XX/year>, XXXX TO XX/XX/year> ] 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.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of certain inquiries listed on my credit report. Upon reviewing the document, I discovered several unauthorized and potentially inacurate inquiries that I have not initiated nor provided authorization for. Pursuant to the Fair Credit Reporting Act ( FCRA ), I am exercising my right to request an investigation into these discrepancies and to have them rectified accordingly. 

Below, I have outlined the details of the disputed inquiry : Creditor Name : XXXX XXXX Inquiry Date : XX/XX/2024 I have no recollection of initiating any transaction or applying for credit with XXXX XXXX. Therefore, I am concerned about the accuracy and legitimacy of this inquiry. Given that I did not provide authorization for this inquiry, I am questioning its validity and authenticty. 

As per the FCRA, I understand that it is your responsibility to conduct a thorough investigation into this matter. I urge you to verify the legitimacy of the inquiry with the respective creditor and provide me with verifiable prof of your findings and actions taken. It is imperative that this investigation is completed within a reasonable timeframe, as mandated by law. 

Furthermore, I would like to emphasize the importance of adhering to the FCRA 's requirement for consumer reporting agencies to ensure the maximum possible accuracy of the information contained within consumer reports. Any inaccuracies or discrepancies can have significant repercussions on my financial standing and creditworthiness. 

In light of the above, I request that you promptly remove the disputed inquiry from my credit report if it can not be verified or if it is found to be inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax XX/XX/2022 about these unauthorized inquiries on my credit report. I stated to them that these inquiries were authorized by me and that they needed to be removed. A representative stated to me that they verified these inquiries with the companies and that they will stay on my credit file. I asked them for the individuals information on who verified this information with and they did not send me any information to show me what was verified.
Product: Credit card

I have had my Amazon credit card for almost 2 years. This was provided to me by J.P Morgan. Never had I been late and I have always made all my payments on time as they were automated. Recently about a Month ago I was contacted and told my Account would be closing. The only reason was due to " Unexpected Activities ''. I called asking for an explanation and was transferred numerous times without an answer. This account closure damages my legnth of credit history/ age, my credit usage, and overall credit. Unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to inform you I was the victim of identity theft. I'm disputing the account as it was opened without my knowledge, consent or authority. I'm including the FTC report from the site identitytheft.gov. 

Please dispute the account. It was opened without my knowledge, authority or consent. 

XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

This account is being reported incorrectly ; it is being reported as an OPEN COLLECTION PAST DUE. Per FCRA I have the right to accurate reporting. DELETE IMMEDIATELY and provide me with an updated report
Product: Credit card or prepaid card

I purchased equipment through XXXX XXXX and financed through Fortiva. They upgraded my account to a XXXX XXXX without my permission. They said they sent an email where I was to opt out before some date in XXXX. It went to the Junk file. They moved my balance to this XXXX card. This is predatory. I did not want nor approve this card. No one should get an upgrade like this. Plus, my payment history disappeared. Totally inappropriate. I feel my age was a factor in thinking they could get away with this.
Product: Credit reporting or other personal consumer reports

My information was exposed during a credit data breach with all three credit rule information need to be taken off my credit report