23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Wells Fargo is creating false statements and including them on formal documents. They sent me an escrow analysis, which is a formal legal document, during the 1st week of XX/XX/XXXX and on the document they wrote that I had a XXXX overage but that they would not send it to me because I was delinquent. 
That statement that I was delinquent was a false statement and by putting it in the document Wells Fargo is making it an official record. The Facts are my payments are not delinquent, and have not been. Here are the dates that Wells Fargo has cashed my monthly ACH transfers. 
XXXX {$850.00} XXXX {$850.00} XXXX {$850.00} XXXX {$850.00} XXXX {$850.00}XX/XX/XXXX {$850.00}XX/XX/XXXX {$850.00} fee added XXXX ( XXXX )XX/XX/XXXX {$850.00}XX/XX/XXXX {$850.00} This Loan is a VA Loan and the VA has made it very clear to Wells Fargo that my payments are not late until after the XXXX of each month. Yet I am receiving many harassing calls from Wells Fargo. They call over and over again and then when I dont answer they dont leave any message. In addition, Wells Fargo monthy statement they send me each month clearly says that if I should send payment after the XXXX to add a late fee. So then Wells is completely aware that late is after the XXXX of the month as has been explained to Wells by the Veterans Administration. Wells has also been warned they can not write any addition to the loan agreement that does not align with VA guidelines. Yet each month they harass me and create these false documents. 

Over the past 2 years I have complained that Wells was over charging me on their escrow analysis which they deny, yet 4 times over the past 2 years they have had to send me back overages, and twice they have had to repay to escrow money they have move to other areas. This type of falsification is indicative of the corrupt experience I have from Wells Fargo. 

Moreover, Wells is now saying they are raising the monthly amount to XXXX, an increase of {$1.00}. One week later I receive an overage check for {$17.00}. The logic here escapes me. 

First they falsely claim delinquency, then they say there is not enough in escrow to support a {$1.00} increase, then they send an overage check worth more than a year worth of the increase. This is highly unprofessional and suspect. 

Lastly the normal procedure is that if there is a shortage, the mortgagee usually has the option of sending in that shortage amount to maintain the rate. Wells in their XXXX did not include any option to send in pay. In fact they took money out of escrow claiming excess then claimed insufficient funds available to maintain escrow.
Product: Credit card

APROXIMATELY XX/XX/2023, I WAS OFFERED A PAYMENT PLAN VIA CUSTOMER SERVICE ON THE PHONE. PAYMENT STARTED ON THE XXXX AND CONTINUED ON FOR THE NEXT 2 MONTHS. THE FIRST PAYMENT WAS AROUND {$76.00}, I MAY AN INITIAL PAYMENT OF {$100.00} ON XX/XX/2023, WITH MY BANK CARD VIA ONLINE CUSTOMER SERVICE.THE PAYMENT DID NOT PROCESS UNTIL THE NEXT DAY AND THE PAYMENT PLAN WAS CANCELLED. I HAVE CALLED AVANT SEVERAL TIMES OVER THE PAST 4 MONTHS AND NOTHING HAS BEEN DONE. THEY HAVE ESCALATED THE SITUTION OVER 3 TIMES AND ULTIMATELY, THEY ENDED UP CLOSING THE TICKET EACH TIME, GIVING ME EXCUSE AFTER EXCUSE. THE REASON GIVEN THAT THE PAYMENT PLAN WAS CANCELLED WAS DUE TO THE DIFFERENT TIME ZONES, BUT THE CUSTOMER SERVICE MAY HAVE KNEW THIS, AND SHOULD HAVE SET THE ARRANGEMENT FOR THE FOLLOWING DAY. I have been trying to resolve this issue even after the initial complaint, and Ive gotten nowhere everyone I speak to you over at the company, keeps repeating the same thing over and over and over again. Nothing has been done even though it was technically their fault
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the XXXX and TransUnion credit bureaus that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have provided this credit reporting agency ample and adequate information for them to remove requested items on my consumer report. Two of them so far to be exact. These attempts have been through affidavits that have gone unrebutted. In Law an unrebutted affidavit stands as truth. This is not the only truth. It is a fact this credit reporting agency is in violation of the Fair Credit Reporting Act. Congress wrote the FCRA to promote the accuracy, fairness, and privacy of consumer information in the files of consumer reporting agencies. Congress found that an " elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. With that being said pursuant to 15 USC 1681a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' should be excluded from a consumer report. " The definition of a credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. '' Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from my consumer report pursuant 15 USC 1681a ( 2 ) ( B ). I am demanding that you these transactions from my report immediately as they are violation of mu rights as a federal protected consumer under title 15 chapter 41 XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX ; Account #  XXXX XXXX XXXX XXXX ; Account # XXXX XXXX XXXX XXXX ; Account # XXXX
Product: Debt collection

Received a call on my work phone, I stated this is a work number but refused to care. She ignored my request for information on why they were trying to contact me. After back and forth she gave her name and company XXXX with National Credit Adjusters. I told her this is a work number and please remove off call list. She said they will continue to call this number and was very rude.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY WALLET WAS STOLEN AND SO WAS MY IDENTITY.
Product: Credit card or prepaid card

I paid my full balance using AMEX 's mobile app, prior to it being do in XXXX of 2021, prior to leaving the country for a long trip. When I returned, I discovered that American Express never applied the payment of {$1100.00} USD. In spite of filing numerous, repeated complaints with AMEX, as well as attempting to resolve the matter through legal professionals, AMEX will not acknowledge the payment and has charged me fees, interest, as well as I have now lost the additional sum AGAIN, because I had to pay my balance to XXXX to stop the interest. AMEX rarely responded to my claims and never contacted me or my lawyer by email as promised or through messages on the app. I have the original ACH File with all the data from the transfer from my Credit Union, as well as my statements showing the money went to AMEX. I am now out my time and money and additional legal fees, as well as AMEX charging me a annual fee long after I would have dumped this lousy account due to bad service if I COULD ONLY RESOLVE THIS GODFORSAKEN ISSUE. It is appalling to me that a multinational company can literally just openly steal their clients money and nothing is done to stop them. DO NOT DO BUSINESS WITH AMERICAN EXPRESS!
Product: Checking or savings account

I deposited my XXXX check on XX/XX/XXXX. I verified with the department of treasury that the check was paid on the XXXX. But the bank will not release the funds nearly a month later.
Product: Credit card

As you may be aware, the IRS requires lenders to provide a 1099-C form for any cancellation of debt over {$600.00}, and I would like to ensure that I have the necessary documentation for my records and tax filing purposes.

Please send the 1099-C form to my address listed above or to my email address at [ Your Email Address ]. If you need any further information or documentation to process my request, do not hesitate to contact me at [ XXXX ].
Product: Credit reporting or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
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 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 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, credit repair services, or other personal consumer reports

My then-wife ( now ex-wife ) XXXX and I had a first and second mortgage on a house we owned in XXXX XXXX, Colorado, several years ago. We purchased it in XXXX for approximately {$420000.00}. XXXX subsequently and irretrievably lost her job as a XXXX  XXXX due to XXXX XXXX XXXX XXXX XXXX and we were unable to afford both mortgages. We applied for mortgage relief, including a negotiation for a short-sale on the second mortgage. The first mortgage company was going to be fully repaid regardless of the outcome, as the first mortgage balance ( {$310000.00} ) was well below the market value of the property at the time of resale ( {$370000.00} ). The second mortgage holder was unwilling to budge, despite the fact we received two real estate contracts to sell the property for significantly above the balance of the first mortgage ( contract amounts of {$370000.00} ), yet below the then-existing market value, which was at the depths of the mortgage valuation crisis in the U.S. We negotiated in good faith for over a year, which included paying the full monthly second-mortgage payment during the entire negotiation period, which they vaguely promised would result in a positive outcome. Yet, we had zero success in reaching an agreement with our second mortgage holder. The first mortgage holder, having no incentive to delay foreclosure, foreclosed, which under Colorado law, caused all junior liens to drop off as a matter of law, as though they had never existed. We then filed for chapter XXXX bankruptcy to discharge the then-existing unsecured debt, which was discharged in XXXX, including the prior second mortgage. 

The second mortgage company, whose lien was removed as a matter of law at the public trustee 's sale in XXXX, and whose loan obligation was discharged at bankruptcy in XXXX, has now refused to deleted the {$170000.00} lien amount from my personal credit report. This has resulted in my inability to qualify for an otherwise attainable FHA loan. 

I am requesting relief of the inaccurate credit report which shows a {$170000.00} balance to Ditech. The loan balance was discharged through bankruptcy, and the lien was removed as a matter of law. And we have no longer owned the subject property since the public trustee 's sale in XXXX.
Product: Credit reporting or other personal consumer reports

Chex systems Inc. has reported information received from XXXX XXXX XXXXXXXX which is mistakenly reported. 
The consumer transaction entered with XXXX XXXX  XXXX has reported negative information to the third part Chex system in regards to a debt. From the consumers findings he is protected by 18 USC 8 in regards to debts. The consumer requests to invoke 31 USC 5118 to discharge said debt from Chex systems. The reporting from Chex system has caused denial of access to consumers unlimited credit under 15 USC 1611.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hunter Warfield and its representatives are attempting to collect an account for which I didn't sign a lease. Hunter Warfield contacted me about collecting a debt that I don't have any responsibility for. If there is reason to believe that I am responsible for this debt mail me documentation with my wet signature that I have entered into a contract with Hunter Warfield and its representatives who are attempting to collect an account for which I didn't sign a lease. I never entered into an agreement via a signed a contract with Hunter Warfield and I do not owe for this debt. I request that all other communications with me and with this address cease and a record entered that I dispute having any obligation for this debt. If Hunter Warfield stops collection of this debt and forwards or returns it to another company, please indicate to them that it is a disputed debt. If this debt is reported or has already been reported to the credit bureau, also report that the debt is disputed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not owe this company anything, they bought this debt which is a violation of FCRA. 
They also are reporting an old debt as new EVERY MONTH. This is also a violation of my rights under the FCRA i am entitled to damages causes by this reporting. 
I would like to see documentation with my signature on it allowing them to acquire this debt. 
I would also like to see ALL the documentation that pertains to this debt. 
This debt is being reported as new every month which is a willful violation of my rights under the FCRA, I am entitled to compensation under the FCRA of 1970.
Product: Debt collection

i have contacted all 3 credit bureaus as well as Midland 7 times challenging the accurate, compliant, and factual reporting of an account that is showing on my credit report. each time it comes back verified as accurate ... .what type of investigation are these companies doing? this account has been showing as re aged for over a year now which is a tactic these people use in order to try to move the statue of limitations to sue you ... Midland is shady i know of friends that theyve done the same thing to and my friends were awarded a judgement by the courts against Midland..I am ready to do the same if this is not deleted and not resold
Product: Debt collection

XX/XX/XXXX I received a notice that the FTB was going to place a levy on my account. I called and left a email and spoke to someone on bank of america side to let them know I want to know who furnished my information without my consent> I never allowed any non 3rd party to furnish any of my information and to top it off. I did not allow or consent to access my bank of america account. So, I learned the bank of america and franchise tax board stole and furnished my information let alone offer and steal my id and come in and allow a collection agency to steal my funds. They said they took money that i owed. THERE IS NO MONEY and why are they impersonating me and allowing anyone to come in and take my property. I now can not pay my mortgage because I was a victim of theft. please reinvestigate as I am a living woman and I need my funds returned and I want to place a claim of fraud on Bank of America and FTB. Now my water is shut off because FTB and BOFA committed id theft and stole my credits and securities in my account without my consent. I need to be compensated and they are causing tremendous harm and I have been violated. GO get them and have them refund and pay for damages along with a full accounting ledger for the on and off ledger. I am stressed, mentally screwed up, and I want to press charges for ID theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has been satisfied and no additional payments are required on these student loans.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my concern and dissatisfaction regarding the late opening of my account and the subsequent removal of late closed accounts. I believe there may have been an oversight in the handling of my account, and I am seeking your assistance in rectifying this matter promptly. 

I recently opened an account with Credit Bureau and I have observed a delay in the activation of my account. The delay has caused inconvenience, as I have been unable to access the full range of services and benefits associated with my account in a timely manner. I kindly request an investigation into the reasons for the delayed account opening and prompt resolution of this matter. 

Additionally, I have noticed that accounts closed by me in the past have been incorrectly marked as late closures. This has negatively affected my credit history and financial standing. I would appreciate a thorough review of my account history and the correction of any inaccuracies related to the closure dates of my accounts. 

I understand that errors can occur, and I trust that Credit Bureaus is committed to providing excellent customer service. I kindly request that you conduct a comprehensive review of my account history and take the necessary steps to rectify the issues mentioned above. I am asking fot your immediate assistance to correct or remove these accounts : XXXX XXXX XXXX XXXX Balance Owed : {$320.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Get it right immediately ; otherwise, update the account from my report. 

XXXX XXXX Balance Owed : {$0.00} - I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor do I believe one exists. Please provide me with verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it. 

XXXX XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} - The limit to this account was a fraction of the amount due it was stating. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER.
Product: Money transfer, virtual currency, or money service

I contacted my bank just before XXXX EST. My payday is every other Tuesday but this bank provider always pays me on a Friday or earlier depending on if theres a holiday. I contacted my employers payroll department to confirm that they in fact wired my paycheck to my chosen bank for direct deposit prior to XX/XX/2023. The bank requested my official pay stub, my account and routing number, all of which I provided to them because they told me they would escalate the issue and this would help them resolve the issue faster. Little to my satisfaction they did not escalate or resolve this issue and I still have not received the funds that I am due and have no way to feed my child or pay my bills.
Product: Credit card

I have sent Navy Federal the proper documentation that they requested to change my name from XXXX XXXX XXXX too XXXX XXXX XXXX for safety and security reasons, due to XXXX  issues.
Product: Student loan

I received a letter from Edfinancial on XX/XX/XXXX that my student loans have been forgiven and the effective date was XX/XX/XXXX. On the letter it stated that overpayments made after the effective date will be issued as a refund. On my account payment history it shows the three payments I made after the effective date as reversed but I have not been refunded for those payments. When I inquire about the date they are unable to provide me with one, insisting that the Federal Treasury issues payments and they have no insight into them.
Product: Credit reporting, credit repair services, or other personal consumer reports

. I am requesting PROOF OF MY WRITTEN CONSENTED TO FURNISH ANYTHING IN MY REOORT or reporting to consumer agencies.. and responding to XXXX XXXX XXXX of Nelnet customer service dept. nowhere in this letter states how you were authorized without my written consent to furnish a consumer report. Nelnet is in direct violation of FCRA, and consumer laws, pursuant to 15 USC 1681 you need Permissible purpose to report anything on my consumer report you may also be liable for up to {$10000.00} or misdemeanor. I have already proven that identity theft and the unauthorized actions XXXX  has fraudulently obtained and continue to report. 
Inaccuracies, They have not notified the CRA of my dispute, According to 15 USC 1692,1681 A ( b ), the The only way any information obtained has to come from the consumer myself which has not. As well as the privacy laws you are direct violation of. I have a legal rights and consumer rights protected by the federal government and it is being requested to stop reporting on my consumer report since you did not have my written consent to do so. Pursuant to Appendix A To Furnisher rule 660. Your policies must prevent re-aging ( inaccurately changing the date of first delinquency on a consumers account to a later date ) and duplicative reporting, particularly following portfolio acquisitions or sales, mergers, and other transfers ; Not only that but If you are a debt collector furnishing information to a CRA about the accounts of a creditor, you must report the date of delinquency given to you by the consumer XXXX. FCRA 623 ( a ) ( 5 ) ( A ) This " date of delinquency '' determines how long the debt can be reported on a consumer 's credit report. You have now lied via mail if my rights and violations you have infringed on. 
I have still no information or correspondence regarding how Nelnet got my written consent to furnish anything on my consumer report. Unless they did so without it. At this time it is also been passed 30 days for conducting a proper investigation, it is clear that Nelnet has not notify the CRA of this dispute and proof of my written consent and show me where I gave up my rights to thereof. I have already requested documents pursuant to FTC laws and identity theft investigation and clearing my name, Nelnet has not provided the documents under this code. They have not provided my written statement proving I gave them consent to furnish anything on my consumer report. But yet responding to irrelevant nonsense. As stated by the federal trade commission : If you dont comply with the FCRA, you may be sued by the FTC XXXX Consumer Financial Protection Bureau ( CFPB ), state governments, or in some cases, consumers. The FCRA provides for maximum penalties of {$4100.00} per violation in the case of lawsuits brought by the FTC. FCRA 616, 617, 621.