23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I filed three complaints. Wells Fargo is the original service provide on my FHA loan. I fell behind and the foreclosure process began. My FHA loan was sold to XXXX. I completed a loan modification with XXXX. The foreclosure process was never stopped by Wells Fargo. Each complain Wells Fargo says they stopped the foreclosure process. However I recently received notification the process was stopped by Wells Fargo just a few day ago. 

In the pending complaint Wells Fargo stated they have not reached me. I spoke at length with their representative on XX/XX/XXXX. She provided me with the attorney who process their foreclosure. The attorney is listed on the notification with Wells Fargo. 

I attached the legal notice.
Product: Checking or savings account

On or about XX/XX/2024, we went to Navy Federal to add you as a joint account holder and have the banker sign my direct deposit form. My husband and I provided my license and paystub for verification. While we were there, the banker issued us debit cards. We then asked if we could transfer money into the account to have funds available. The banker confirmed this was possible within the transfer limit. I informed her that I wanted to transfer {$8000.00} from my checking account. She advised us to wire transfer that amount. 

After following her advice, I found that I could not access my account by the time we left the bank. We stayed in the parking lot for about an hour, thinking it was a connection issue, but the problem persisted. We went back inside, and the banker called security to lift the lock on my account. However, by the time we got home, my account was locked again. I called Navy Federal, verified my identity, and regained access.

The next day, my account was locked again. I called Navy Federal, verified my identity 
by sending my license and another form of verification, and waited 72 hours. I was then informed that I could no longer access my account. I submitted an appeal to prevent the account from being shut down. 

On Monday, XX/XX/XXXX, my husband and I went back to the bank to resolve the issue in person. The banker noticed that I had mistakenly sent my old license with my maiden name instead of my married name. I then provided my correct license and marriage certificate. Later, when I called for a status update on the appeal, I was informed it had been denied. I requested that my money be transferred back to my XXXX account. Navy Federal then accused me of having a fraudulent account and refused to provide further status updates. 

I called XXXX to see what could be done. They initiated a recall to Navy Federal to have the funds sent back. It has been over a month dealing with this. On XX/XX/XXXX, I called Navy Federal for a status update on the wire transfer. Despite XXXX confirming the transfer was legitimate, Navy Federal continued their investigation without providing any clear timeline or reason. 

I expressed my dissatisfaction with their customer service. XXXX informed me they had not sent a hold harmless letter because there was no indication of fraud. Navy Federal insisted this letter was required to wire the money back. I requested XXXX to send the hold harmless letter to Navy Federal regardless. 

This issue needs to be resolved promptly. I expect Navy Federal to act professionally and expedite the return of my funds to my XXXX account.
Product: Student loan

Getting my XXXX degree was the biggest mistake of my life. I never would have taken out a single loan if I had known that XXXX XXXX was going out of it 's way to to make XXXX mortgages which were obviously going to be defaulted on and selling them and other credit default swaps which was an obvious time bomb for the economy. I never would have taken out loans if I knew that the bought and paid for politicians from both parties had pushed through legislation making it impossible for me to discharge student loans in bankruptcy while I was already at school and too busy studying to notice. I never would have agreed to be a debt slave to the companies that got off scot free for blowing up the world 's economy and destroying my job prospects and lifetime earning potential in the process. When I signed for these loans the average starting salary in my field was $ 60k. When I graduated right after my lenders trashed the economy I could n't find work in my field for 3 years and when I did I started at closer to $ 40k. Studies have shown I can expect to hang on to that decrease in earnings for at least 20 years while suffering from longer periods of unemployment. XXXX : XXXX I have absolutely no more drive, hope, or ambition. I worked hard did well and got XXXX for my trouble, American Dream my XXXX. I hate everything about this rigged corrupt country. I honestly hope XXXX XXXX or some other country does manage to XXXX us.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE REMOVE RANDOM INQUIRIES REPORTING ON MY CREDIT REPORT WITHIN 4 DAYS XXXX XXXX NA - XX/XX/XXXX, XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX XXXX
Product: Checking or savings account

Starting in XXXX of XXXX I noticed fraudulent charged on my bank account. I have contacted then repeatedly since then and have gotten the run around. I lost more than XXXX XXXX. Citi refuses to be accountable for my Identity being leaked or used fraudulently or for adhering to there XXXX fraud liability.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit inquiry XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I try explain to them these inquiry were done without my permission
Product: Credit reporting, credit repair services, or other personal consumer reports

The investigation took longer than 30 days. I have attached the dispute letters I sent to XXXX, XXXX, and XXXX which date my First letter to XX/XX/ and my second letter to XXXX
Product: Vehicle loan or lease

I have filed complaint previously and the complain number is XXXX. The company responded without giving any explanation why my last month XX/XX/2022 interest was higher and why they charged me over {$170.00} extra, they never give explanation and all what they provided is just a copy of my contract with them without explaining anything, so when I called them, their representative said because I didnt pay XXXX bill which is incorrect because I have made my payment for XXXX on XX/XX/XXXX, so I have emailed them the bank statements, payment confirmation number that shows that I paid, and still didnt get back to me yet. They reported that I late to pay my bill to the credit Bureaus and that cause a damage to my credit reports and it also reduced my credit score and showing an increase in my car loan amount due to their unnecessary action since I already paid before my due date.
Product: Credit reporting or other personal consumer reports

I file a dispute against a company called XXXX. Back in XX/XX/2023, they reported that I was 30 - 59 days past due. This is inaccurate. I disputed the information and provided proof. Equifax closed the dispute saying they corrected the reporting in my favor. 

However, although the dispute says they updated the reporting, that update is not reflecting. It's still showing the original incorrect data. 

When I called today, a representative told me that after Equifax closed the dispute, the company XXXX verified the information to be accurate. I asked for proof and the Equifax rep refused. 

The XXXX reporting says that my balance is {$600.00}, the status is 30 - 59 days past due, and I'm {$50.00} past due. 

The correct reporting is that my balance is {$400.00}, status is Pays As Agreed, and {$0.00} past due. This is the ruling that Equifax said they did.
Product: Mortgage

XX/XX/XXXX I refinanced my mortgage with the same bank that had held my mortgage for 5 years. I have always paid on time and my property taxes and insurance were escrowed and it was my understanding that all taxes due at closing were paid. XX/XX/XXXX the county treasurer sent me a letter stating that my XX/XX/XXXX taxes had not been paid. I contacted the bank and they informed me that they paid the late penalty and took the overdue taxes out of my current escrow and that I therefore owed them that amount ( @ {$3000.00} in back taxes ) in order to balance the account out and so that they would have the money to pay my taxes XX/XX/XXXX. I have asked them what happened to my escrow that was supposed to have been paid at the closing. I have received a letter stating that I should contact the title company or settlement attorney ( all of this was handled by them ). When I have spoken to them on the phone, they become very officious and demeaning and do not seem to understand the issue which is they told me that my taxes had been paid when they had not.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I mailed a letter from the bankruptcy courts of Virginia stating they do no verify information with the credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I found my credit report to contain inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require 3 credit reporting agencies to verify these items ( A ). Disclosure as information without confirmation within the statutory period is not permitted. I need to investigate, correct, or update the following incorrect information on my credit report. 
Original Creditor : 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: Debt collection

Over the course of the last month, a variety of individuals from Financial Asset Management Systems based in XXXX, Georgia have called my cellular telephone number more than 100 times from a variety of masked telephone numbers identified as potential spam calls. Each time I have answered, they inform me they are calling to discuss a personal business matter and advise me that before they tell me what the personal business matter is I must confirm for them Personally Identifiable Information ( PII ) such as my date of birth or residence address. When I advise the callers that I will not confirm the PII, they tell me that they will send a letter but can not discuss any information without me first providing the PII. 

I am filing this complaint now because the frequency and insulting nature of these calls continues to increase. First, as of this date I have never received any written correspondence from Financial Asset Management Systems, despite their repeated statements that they have sent such. Today, I received a call from a Financial Asset Management Systems employee who identified herself as XXXX XXXX, who followed the same script as her colleagues in asking that I provide ( confirm ) PII. I advised her I would not and told her that I have repeatedly asked their representatives to send me written correspondence if they believe there is a legitimate matter to discuss with me. She insisted they have, and told me they sent an initial letter that she was looking at in the file. When I told her that I had never received anything and questioned the legitimacy of their inquiry, she decided to add an unwarranted insult by saying that, If youd take care of your personal business matters we wouldnt have to call you every day before hanging up on me.
Product: Consumer Loan

I was a victim of the 2012 Government shut down. This was known as Sequestration Furloughs. I wanted to make sure I made sure every creditor know I was trying to address my accounts. I was made aware that USAA a company that I had my vehicle loan with was offering members that were affected by the furloughs was giving 2 months relief on their loans. I spoke to a service member by calling the XXXX #. I was informed that I would not have to pay my vehicle loan for 2months. After the two month period I started making my payments again. I notice after reviewing my credit report that the two month relief period was not honored and I was behind on my loan. I contacted USAA again and was told that I was not set up on this option. I have contacted USAA on multiple accounts to try to resolve this issue. I do n't not think it is my fault and not be punish for a representative giving me the wrong information.
Product: Debt collection

I already filed two complaints with the Consumer Financial Protection Bureau XXXX and XXXX the company was supposed to write me but they never did so I did n't know that the case was closed. The harassment continued so I made a complaint to the Attorney General of the State of Illinois XXXX XXXX File No : XXXX and they ordered them to stop, but they did n't and have now had XXXX XXXX XXXX cut off my mother 's phone and she is an elderly XXXX person. In addition, they have now hacked into my medical records at two different healthcare centers and have used my doctors ' medical license numbers to write prescriptions to both XXXX and XXXX in XXXX. I have contacted both the FCC and Congressman XXXX XXXX XXXX office and no one seems to have the ability to stop these people. It is no longer a company but a family because they own dozens of such companies and just move the debt around from company to company. The owners all have multiple aliases and addresses ; this really deserves a criminal investigation but the FBI does n't seem to be interested. Here are some of the names of the individuals behind these crimes. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and many more, all with multiple aliases and addresses.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of a fraudulent account from my credit report under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach and identity theft, and this account was opened without my authorization.

Account to Be Blocked and Deleted : XXXX XXXX XXXX  Account Number : XXXX Date : XX/XX/year> Balance : {$460.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to check for financing a vehicle, which this dealership holds, called as XXXX XXXX XXXX. They took the data and put a report on my credit with {$460.00} charge displaying it as American Account Advisor,  Out of nowhere.
Product: Debt collection

When 1st contact by them on XXXX called back and ask them not to call my cell phone number and used a XXXX number to call me and call again today XX/XX/2017 on my cell phone again.
Product: Consumer Loan

I purchased a 2011 XXXX XXXX. GM Financial financed the purchase. I elected to purchase GAP Insurance ( was not required ). The amount of the installment contract was {$440.00} a month - {$460.00} with the optional GAP Coverage. I have since cancelled the GAP Insurance - but GM Financial continues to bill me the {$460.00}. If the {$19.00} a month is n't going toward the insurance - where is it going?
Product: Credit reporting or other personal consumer reports

I'm sending this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

On or aboutXX/XX/XXXX, we notice a Mortgage Lien on our Deed from Wachovia Bank in the amount of {$110000.00} that was n't our 's. We contact them to request a copy of all documents as proof of a completed Loan Application, Origination Documents, XXXX Application, Truth and Lending Documents that were signed by the property owners. 
We also asked for a copies of all payment received from us as Mortgage Payments. 
As of this date, all we have received from them if request for Account Number which we do n't have. They 're ( Wells Fargo formerly Wachovia Bank ) saying verbally there was no Mortgage with them. We brought this house inXX/XX/XXXX for {$92000.00} and we are trying to clear these small matter so we can retire.
Product: Credit card or prepaid card

I've been trying to get my account clarified with American Express for an entire year. I am now receiving bills for amounts hundreds of dollars more than what I actually charge. I'm only able to use the card for less than {$50.00} dollars on certain days. My current bill is {$1000.00}, but I only have approximately {$300.00} in actual charges. I've contacted the CEO assigned someone to my account who totally XXXX  everything up even more. I then reached out to the audit department begging them to perform an audit on my account so they could see my account is NEVER late and I paid in full every month. I've been a customer for 20 years and this is how I am being treated. I'm now being told that my bill has been late for the last 11 months even though I have receipts and bank statements to prove that FALSE. There have been representatives within American Express who advised and confirmed their system has some " glitches '', but no one has ever tried to fix the problems. I've been told so many different lies as to why I can not use my card and they are all false.
Product: Debt collection

To whom it may concern : Please remove this file from my credit report as this debt do not belong to me. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. Ive never had any relationship with Credit Collection Service collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Product: Credit reporting or other personal consumer reports

Account XXXX XXXX XXXX XXXX is reporting inaccurate I am also enclosing a copy of report to support my complaint. ... 

Also according to 15 USC 1681 e ( b ) Accuracy of report - Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates...

It also states in 15 USC 1681i ( 5 ) Procedures in case of Disputed Accuracy- If after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall remove item off consumer report... 
I have dispute account several times but ALL XXXX bureaus stating false statements saying its not, copy of report is attached to support my statement..
Product: Payday loan, title loan, personal loan, or advance loan

I wrote the company send proof of debt letter over a year ago I have yet to hear anything back I requested they send me proof of debt payment, history, original contract, bearing my signature.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. 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.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX
Product: Debt collection

I have requested no phones call from this company since the beginning of my loan. The refuse to remove my number and continue to call. If I am 1 day late I get threatening text email and calls that they are going to turn my car off. On XX/XX/2018 My account was 20 or 21 days past due and I spoke with XXXX and explained I was getting a loan through my credit union to make the payment because I missed 3 days of work for my grandmothers funeral. That she wasn't accepting my arrangement and was moving forward with my account and then she hung up on me. My account has never been more than 30 days past due and I get threatened with every call from them. I get calls, emails and text with them threatening to turn my car off. 2 weeks ago they shut my car off on a Saturday when I had arrangements set with them and wouldn't answer the phone. I was with out a car until that next Monday. They use the GPS shut off even on 1 day past due. Tells me that because this is tote the note loan I have no rights and they can do what they want because they took a chance on me. Their collection efforts are harsh and abusive. Just because my credit isn't perfect doesn't mean they can be ruthless.