23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

- Account holder passed on XX/XX/XXXX - I was nominated as personal rep of the estate via the court approved will and a letters testamentary effective XX/XX/XXXX - At the time I was named personal rep of the estate, account was held by XXXX XXXX - Provided documentation showing me as personal rep to XXXX XXXX and was added to account - XXXX XXXX mortgage service transferred to XXXX XXXX  from XXXX XXXX. I continued to receive mortgage statements each month since transfer occurred. 
- XX/XX/XXXX - received tax statements from XXXX Mortgage - XX/XX/XXXX - Filed final accounting for estate with court ( estate funds on freeze until approved by court through hearing meaning I was not able to make payments ) - XX/XX/XXXX - XX/XX/XXXX - Received multiple calls and made numerous calls to XXXX XXXX  to regarding delinquency and updating on status of estate. No issues at these times. 
- XX/XX/XXXX- XXXX approved closing estate to fund trust. Informed XXXX and had no issues accessing account at this time. 
- XX/XX/XXXX -received email and phone call from XXXX XXXX Called back to provide an update that trust has been funded and delinquent amounts will be paid in the next couple of days and was informed I am not authorized on account. A couple of issues to be addressed : 1 ) If I am not authorized to provide updates on the account, why would they be sending me monthly statements and tax documents or calling me about delinquency? This is a huge concern with their servicing process.

2 ) I provided all documentation showing court approval prior to account being transferred to a new servicer. Servicers should be transferring this information between one and another - this should not be left on the consumer to re-complete work because of flaws in an internal process.
Product: Checking or savings account

This is related to the previous case. US bank is lying about the facts. 

XXXX. I opened on XX/XX/XXXX and US bank didn't approve the case until XXXX XXXX. If I do not confirm with the banker I can get the bonus, I wouldn't transfer $ XXXX into the account. As I said, you will need to review the calls from XXXX, or XXXX. 

XXXX. In the account opening process, nobody indicated to me I have a previous account and I won't get this bonus. In fact, banker confirmed with me multiple times and that's why I start to transfer the balance. 

XXXX. I'm not making up those facts. I clearly know what I've been told throughout the conversion. Those misrepresentation from various bankers clearly told me I'm eligible for the bonus. 

XXXX. {$800.00} IS NOT A SIGNIFICANT AMOUNT. BUT INTEGRITY OF US BANK IS LESS THAN {$800.00}. YOUR TRUST IS NOT WORTH THAN {$800.00}. 

XXXX. YOU TOLD PEOPLE TO DEPOSIT AND THEY ARE ELIGIBLE. YOU BENEFITS FROM SUCH LYING. THEN YOU WITHDRAW YOUR PROMISE AND INDICATE A REASON WHICH WAS NEVER DISCLOSED TO THE CUSTOMER. IF THIS IS THE REASON, WHY IT WAS NOT DISCLOSED TO CUSTOMER AT THE BEGINNING? THROUGHOUT YOUR PHONE CALL SERACH, HOW MANY TIMES YOU'VE HEARED I'M ASKING ABOUT THE ELEGIBILITY? 

LYING FOR {$800.00}, PEOPLE 'S TRUST IS SO CHEAP. IF I'M IN YOUR POSITION, I WOULD HONOR {$800.00} AND ESCATE THE ISSUE TO LET BANKER KNOWS AND AVOID SUCH MISTAKES IN THE FUTURE.
Product: Debt collection

I have repeatedly asked them not to call me at my parents house and they have continued to call me there. Two weeks ago my sister gave me a message that they called and wanted me to call them back. When I called I made it very clear that I have previously requested twice to have that number removed from their system and that it was not a good number to reach me at and that it causes me a lot of problems and my parents do n't need to be bothered by my personal business. I was assured that they would delete the number and that it would n't happen again. The following week at XXXX in the morning they called again. I told them I was going to file a complaint against them. They said that I still owe the bill.
Product: Checking or savings account

I opened an account with TCF called premier 50 in XX/XX/XXXX-XX/XX/XXXX. My account number ends in # XXXX I was not aware that they were going to charge these accelerated fees for nsf checks which they did me in XX/XX/XXXX, for over {$500.00} dollars. My account was only due a charge of {$35.00} or {$70.00} when I learned that I had an overdraft balance. 

I contacted the bank regarding this ruling asking for a reversal of this amount because I was not aware of this change. There were never any signs posted, nothing in the newspapers, etc that these accelerated charges were about to happen. Since most of the time, I used internet banking, nothing was listed to refer me to this change in policy. 

Also, there was no information regarding this change at the teller windows. It was almost as if it was hidden since I had opted for statements on line. During the same time I was complaining the television stations carried the story of the upset customers and claims were made to the XXXX   controller and Senator XXXX XXXX 's office. TCF still did not reverse these fees. I would have never agreed these fees or services. 

I was required to pay this {$500.00} before I could close this account. I am requesting a reimbursement of my fees that I paid for this change in policy that was unfair to me in accordance to the recent ruling.
Product: Debt collection

Fairway Capitol Recovery XXXX calls my work number repeatedly for my wife. This is not ever her phone number. This is my work phone number used for business only and this interferes with my work. It 's an automated call and says it 's a call for ___ ( wife 's name ) and that if this is not ___ ( wife 's name ) then to hang up. I do n't even know what the debt is that they are trying to collect. It may be legitimate. But they need to stop calling me at work. I have repeatedly hung up the phone but they still continue to call.
Product: Debt collection

I never received a bill by XXXX XXXX and XXXX is trying to collect money I was never aware I owed
Product: Credit reporting or other personal consumer reports

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information?

I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof.

I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. there is some inaccurate information reporting. 
XXXX XXXX XXXX Accout Number : XXXX Please remove it from my credit report.

2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Mortgage

My husband and I applied for a VA mortgage with Wells Fargo. We submitted all required documents and determined to be approved. Since we initially wanted to build a home we were told to we were approved for {$560.00}. The loan officer told us to get a builders contract and provide that contract once we get it from the builder. We talked to numerous builders and unfortunately the land we selected could not be subdivided. We decided instead of building a home we would just purchase a home already built. I called the loan officer and asked if we could change the loan type. She told us we could switch it with no problem and told us to look for a home. Once we found one and decided to make a offer we should call or email her immediately. We found a home that had a offer deadline because of multiple offers, called and emailed the loan officer with no response. Needless to say that home fell through. I received a returned call a few days later. A few days after that I got voicemail asking for us to call. I called and told very point blank that they could no longer offer us a loan. We were about 3-4 weeks into this process. Nothing changed on our reports, if anything our scores increased. She simply said underwriting decided they could not assist and this is how the process goes. I explained that the only way a loan decision could is if our DTI or score changed. Neither applied. I proceeded to initiate a complaint after researching that Wells Fargo is known and sued for denying minorities mortgages before and during the loan process hoping this was not the case that surely seems that way.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX Comenity Bank/ Victoria secret card reported that I had filled Chapter XXXX bankruptcy in error to XXXX credit bureau. After been aware I reach out to XXXX to submit a dispute as well reach out to comenity back to heave them fix the error they had caused. 30 days after the investigation from XXXX nothing was resolved, my credit stayed the same with conclusion from them saying the info on my repost was correct. After getting the investigation results from XXXX I reach out to Comenity bank, they kept giving me the run around saying they had already updated the Info XXXX. I kept disputing the errors with XXXX over 4 times, till finally in XXXX of XXXX I was able to get a letter from Victoria secret explaining the the error and sent it over to XXXX. The remarks had been removed from my credit and the chapter XXXX bankruptcy was gone. After only a few months the remarks came back showing the bankruptcy again, and again I file a new claim with the letter that was sent to me from Victoria secret, results came back with no resolution. At this point I have exhausted everything I feel I can do. This has cause me so many problems when it comes to buying a home, my credit is showing inaccurate information.
Product: Debt collection

National Credit Systems continues to report this fraudulent debt with the XXXX XXXX  although it was disputed and deleted from my credit due to fraud. I have sent several disputes to this company to delete and it keeps showing up in other places. I am demanding this fraudulent debt be deleted PERMANENTLY from ALL SOURCES as it violates my rights and protection as a victim of identity theft. This is causing me a great deal of stress as its affecting my ability to secure housing for me and my family and if not deleted asap I will have no choice but to seek legal remedy.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account doesn't belong to me and I would like this company to update this information on my credit file in reporting accurate information to the credit bureau the amount is for {$10000.00} from XXXX XXXX XXXX which it says charged off but is reporting on my credit file and is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these items ( A ). I hope these disputed items are updated or corrected immediately : 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: Consumer Loan

My name I XXXX I have leased two vehicles from Honda. On XX/XX/2016 the propriety tax was posted for both vehicles I paid both with the monthly lease payment XXXX did not recognize that and kept billing me for late fee and the payment I have already paid until XX/XX/2016 where I have paid four Paine to for each vehicles. I have been paying on time even I have paying the fee which are ases to me wrongly. I kept calling them and the ask me to pay and they informed me they have reported me to the credit bureau then when I check my credit score it dropped from 850 to 660. I call Honda finance on XX/XX/2016 XX/XX/2016 XX/XX/2016, XX/XX/2016, XX/XX/2016 and XX/XX/2016. They kept saying some one will call you they never did. 
Where should I go to solve this problem they ruined my credit score how could help me
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried for years to help EQUIFAX to report correct addresses. I have sent on numerous occasions via certified mail of copy of Driver 's License for both the former and current address. Please remove the following address from my Credit File at once : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Should be : Current Address : XXXXXXXX XXXX XXXXXXXX XXXX. XXXX XXXXXXXX XXXX, TX XXXX Former Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX
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 : DPT EDXXXX XXXX Balance : {$28000.00} DEPT OF ED / XXXX XXXX Balance : {$28000.00} DEPT OF ED/XXXX XXXX Balance : {$28000.00}
Product: Credit card or prepaid card

Bought about 3100 in furniture from XXXX XXXX, in XX/XX/XXXX set a pre-paid amount there at the store. After 1 year the interest on the credit card increased so much that I have been paying 150 since XX/XX/XXXX yet I still owe XXXX. They have said they will not reduce or work with me at all ( I am fine to pay some of the interest they have alloted, but not the ridiculous sum of almost what I would have paid originally and 2 years and 4 months of payments of XXXX ). XXXX XXXX is the bank, I called them on XX/XX/XXXX. I spoke to XXXX who said he was a manager, and they said they will not do anything for me. Thank you for taking your time to look into this, and I am hopeful something can be done, I am willing to explore options to help resolve this.
Product: Checking or savings account

Several Wells Fargo reps have replied to below complaint by either referring to prior replies which state checks in question show as cashed and or verify address sent to... I can assure the CFPB I reviewed all replies and none of them address issues including non-receipt of payments which are inadequate, do not offer reasonable settlement offer, do not address IRS reporting of missing payment.. Wells Fargo reps continue to refer back to past replies which either refer back to prior replies or state checks cashed and or verify address sent to... It appears no one on Wells Fargo side appear willing to move on the matter, simply want to refer to past replies... 
Wells Fargo reps reply to below issues by referring to prior replies which either state the payments in question show cashed or address verified. The payments may show cashed in which case, not by myself.. As stated numerous times prior, the payments were sent after I moved from address at XXXX XXXX XXXX XXXX XXXX , XXXX XXXX , CT XXXX. I moved in XXXX of 2020, payments in question including amounts of {$3700.00} plus IRS taxes and {$500.00} plus IRS taxes were sent months after I moved and as far as I can tell, cashed by another party in my name. I now reside at XXXX XXXX XXXX, XXXX XXXX, CT XXXX I've explained this in prior complaints, needless to say, Wells Fargo reps have not addressed issues.. There is mention of a letter signed which was not by myself, agreeing to payment amount of {$500.00}, also sent to old address after moving.. I can assure the CFPB this letter was not signed by myself.. Further, the amounts in total, {$4200.00}, do not cover damages sustained as result of Wells Fargo reps opening various checking/savings accounts which I did not need or want..I 've called the executive phone bank with Wells Fargo numerous times, given various bogus/incorrect numbers for Remediation Dept for unauthorized accounts. It appears Wells Fargo reps are trained to provide wrong numbers in order to dissuade customers from reaching correct dept. In order to locate correct number, I had to call XXXX, the company whom issues checks for Wells Fargo, given correct number which I've been calling on and off with no resolution ... I've spoken with several supervisors including XXXX and XXXX, requested whereabouts of checks, reasonable settlement offer, new claim rep assigned... To date, nothing done in re to any of those three requests.. Please note, the payment amount of {$3700.00} was reported to IRS for tax year 2020 and needs to be updated to show no payment since it was not received/cashed by myself. Failing to honor this request, Wells Fargo is liable for interest and fees charged by IRS, should my return be audited for not reporting such payment..
Product: Credit card

In XXXX I went to XXXX XXXX XXXX XXXX XXXX for a XXXX XXXX XXXX At that time they were offering me XXXX XXXX which I told them I was not interested in. That day they performed a series of XXXX and XXXX that were supposed to locate what I needed. At the end of my XXXX they made me sign a series of documents in English supposedly to finance the amount of the XXXX but then I realized that they had included there an XXXX XXXX  that I never had. I already paid for the amount I used for the XXXX but I am not willing to pay for anything else that I did not use. 
The XXXX XXXX and the Credit Card Company are already aware of the situation and have promised to resolve it but I am still waiting for them to cancel the debt and it is not happening. 
to cancel that debt and it is not happening to date.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX - XXXX - {$430.00} XXXX XXXX - XXXX - {$860.00} XXXX - XXXX - {$6300.00} Department of Education - XXXX - {$170000.00} XXXX - XXXX -- - {$2500.00} XXXX  XXXX XXXX - {$5500.00} In according to the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I have a right to privacy and the right to determine what information is personally released about me. I have tried several times to remedy this the companies directly through email and US Mail. This company continues to publish information that is false and hurting my ability to live a lifestyle with the similar privileges of my peers.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I have identified several discrepancies regarding my GM Financial account : Limit Discrepancy : The limit is listed as " {$0.00} '' across all bureaus, which could be an error. Typically, an account such as this should have a reported limit or balance, and " {$0.00} '' does not provide accurate information about the account 's status. 
Past Due Information : XXXX and XXXX both report Past Due 30 Days as " XXXX '', while XXXX shows the same. However, Past Due 60 and 90 Days are reported as " XXXX  '' across all bureaus, indicating no overdue payments in those periods. Activity Dates : There are inconsistencies in the last activity dates : XXXX reports XX/XX/XXXX, XXXX reports XX/XX/XXXX, and XXXX reports XX/XX/XXXX. These discrepancies in reported activity dates may indicate outdated or incorrect information. Last Verified and Reported Dates : The " Last Verified '' fields are blank for XXXX and XXXX, while XXXX reports it as XX/XX/XXXX. The " Last Reported '' dates also vary across bureaus, with XXXX showing XX/XX/XXXX, while XXXX and XXXX show XX/XX/XXXX. 
Date of Last Payment : XXXX and XXXX report the " Date of Last Payment '' as blank, while XXXX reports it as XX/XX/XXXX. This inconsistency could impact the accuracy of the accounts history.These discrepancies in limit reporting, payment status, activity dates, and verification information raise concerns about the accuracy and consistency of the reporting across the bureaus. I am requesting that you provide verifiable proof of this account 's information or promptly update the account to reflect accurate and consistent reporting across all bureaus. If no documentation can be provided to support these entries, I expect the account to be corrected and updated accordingly.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft and I am currently in distress and suffering from anxiety because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. Please let me know if you need any other information from me to block this information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I worked really hard to repair my consumer reports, It took me about a year to correct most of the errors on my reports and I got it to a good point before it got destroyed again due to identity theft and unauthorized use by the consumer reporting agencies. I have submitted numerous documentation showing that alot of errors on my report were a result of others using my information although that is the case I never game consumer reporting agencies permission to furnish this information on me regaurdless of how fraudulent or factual the information is, it is a direct violation of my privacy and im tired of it, its giving me headaces and causing actual damages to my life
Product: Credit reporting or other personal consumer reports

I would like all of these illegal items removed off my credit report asap. These were illegally obtained in my name and I would like this removed off all three of my reports ASAP! 

XXXXXXXX XXXX {$200.00} XX/XX/XXXX XXXXXXXX XXXX {$560.00} XX/XX/XXXX XXXX  XXXX {$460.00} Date opened XXXX XXXX XXXX XXXX {$2100.00} Date opened XXXX XXXX XXXX XXXX XXXX {$1500.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX ****Inquiries***** Please remove all these illegal inquiries off my report. 

XXXX XXXX ( Finance ) XXXX XXXX XXXX ( Auto ) XXXX ( Bank ) XXXX XXXX ( Finance ) XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX  ( Finance ) XXXX XXXX ( Auto ) XXXX XXXX XXXX ( Finance ) XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX  ( Finance ) XXXX XXXX, XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX