23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I fell behind almost 5 years ago after having high risk major XXXX  XXXX that forced me to take off from work for weeks. My job did not pay me for any of my time off so I had absolutely no income at this time which is why I fell behind. At the time I couldn't imagine losing my home so I tried multiple times to modify the loan so that I could catch up and start making payments but I could never get them to approve the loan modification so I finally gave up and moved out of the house in fear that they would foreclose it and I would be out on the streets. Even after the failed loan modification attempts, Wells Fargo has continued to send endless sheets of paperwork offering me to apply for another loan modification, short sale, or a deed in lieu until as recently as 2 months ago. I am now in the process of trying to do a short sale with them and I have sent every single document that they have required of me and now they refuse to allow me the time to get through it. I sent in everything over two weeks ago, including an offer from a willing buyer and they still have a foreclosure auction scheduled for Tuesday XX/XX/XXXX. It's like they've set me up to fail ever since I seemed to have inconvenienced them with my health problems. I can not afford a foreclosure right now because I've worked so hard these past 5 years to rebuild my credit ever since I was out of work and this would kill my credit. I just need an additional 60-90 days to get this thing closed, can someone please reach out to assist me?
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts and public record listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXXXXXX, Chapter XXXX Bankruptcy XXXX
Product: Credit reporting or other personal consumer reports

I received phone calls and when I challenged the information to be inaccurate and requested have written communication of validation of the alleged debt to be mailed. The caller responded they sent information and asked to what address. The address given has never been associated to me and in fact it a po box address they had on record. I continued to say I don't have any knowledge of this account and needed validation of documents. The call ended and I never heard anything until i received an alert about the change on my credit report.
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e 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.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Capital One is suppose to update on the XXXXXXXX XXXX XXXX XXXX says XXXX and still showing XXXX XXXX owed on my report. It is paid off XXXX balance I need this updated as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S.C 1681 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

On internet search for high yielding accounts, I came across Current, which claimed to be a financial technology company, offering 4 % APR on my deposit. I opened an online account on my mobile phone via Current App and transferred {$5000.00} from my bank checking account online on XX/XX/23. The money was sent by my bank to Current today. I got an email from XXXX that my account was suspended and all my access to my account was removed. 
I am unable to login to my Current account, and not being able to reach anyone by phone or email. 
On further search, it appeared that Current was associated with XXXX XXXX XXXX out of XXXX, ND. I called them but I am not getting anywhere. 
Please help.
Product: Debt collection

Hello My name is XXXX XXXX, Account # XXXX Enhanced Recovery Collection had contacted me on a debt allegedly that I owed around XX/XX/20. At the time I did not know that I could dispute such debt ( after some research, i realized that I could ). I agreed to pay them {$100.00} ( attached letter ) for the simple reason of convenience and I also asked them to please DELETE the account from my credit report, which at the time they informed over the phone THEY WOULD. Based on that acknowledgement, I decided to just pay the debt. After receiving a letter dated XX/XX/20, to my surprise they did not DELETE from my credit and my credit score DROPPED significantly almost 60 points due to this payment. I am frustrated with this unethical deception to collect a debt and then tell me they will remove it from my credit report and then they do not, this is not right. I have attempted to call them to correct this situation. They just do not care. Please help.
Product: Debt collection

About 2 months ago, I received a notice of debt owed from Nationwide Credit , Inc ( www.ncirm.com ). I was not worried about it because the last 4 of the account number, the amount and the middle initial of the owner did not match my own personal information. 

I bank with XXXX XXXX XXXX and the account in collections is also through the same bank so I contacted XXXX on XXXX/XXXX/2022. I spoke with the collections department, and they verified that neither the account number nor amount matched any account I have or have ever had. 

I wrote to Nationwide Credit on XX/XX/2022 clarifying that I am not the named party and requesting debt validation in the hopes that they would realize their mistake. Fast forward to XX/XX/2022 and I received one page of the debt validation report which contains all of the named party 's personal information. His address, DOB, SSN, his email address. 

This is incredibly irresponsible on the part of Nationwide Credit , Inc . They have given me, a stranger who lives XXXX miles away in a different state, access to all of this man 's personal information simply because our first and last name 's are the same.
Product: Checking or savings account

I got a notice, no mail on my wells fargo app they conducted an investigation and said i was a security risk, concluding they couldn't find something illegal i did. 
Been with them 23 years. XXXX accounts always paid cc and monthly fees which now looking back is XXXX XXXX XXXX dollars. 
The XXXX lady in the security department said I made " XXXX disputes '' I made XXXX dispute from buying clothes overseas. I called their dispute department and the guy who couldn't speak XXXX erroneously put down XXXX claims. I looked at my app and said what are you doing i wanted to know where this XXXX charge was. He said oh I'm very sorry let me fix it. 
45 minutes later he fixes it. 
2 days later I realize the company went by another name called Wells Fargo and said I recognize the charges. 
Wednesday they are closing my accounts because she said " the machine does it '' there is no human to look it over. Thursday I'm getting my tax refund in which the account will be closed. 
My cpa said it would cost me {$3500.00} to redo my taxes because if your refund gets rejected you have to send it in as a XXXX amendment which will take 6 months. This puts me in a financial hardship not beimg able to pay all my other bills, food, credit will go down. 
Wells fargo as you know has a reputation of opening accounts in other people 's name which they did to me years ago. 
This gross negligence by wells fargo needs immediate action, I need an injunction to keep my account open and a mediator to settle all the damages financially and emotionally this has caused me. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around  XXXX   XXXX  I purchased a new  XXXX   XXXX   XXXX  and financed through   XXXX   XXXX   XXXX   XXXX   XXXX     now known as On the  XXXX   XXXX   XXXX . Due to medical issues and multiple  XXXX  I fail behind on my car loan and the vehicle was repoed in  XXXX  of  XXXX . I immediately filed Bankruptcy that same month and was able to retain my vehicle. Since that time    XXXX   XXXX   XXXX   XXXX   XXXX    aka   XXXX   XXXX   XXXX   XXXX     has continued to report to all  XXXX  credit bureaus that my loan is currently  XXXX  days late every single month, have changed my orginal payment from {$420.00} to {$200.00} a month and reports I 'm past due about {$1400.00}. Once my Bankruptcy was filed they were ordered to cease with all collection activity and to not report on an account that 's covered under the Bankruptcy. I have disputed with both   XXXX   and Transuion for the pass  XXXX  months and the each respond that the creditor verified the account is valid and to take it up with the orginal creditor. I have sent request for each bureau to send my proof to validate the said debt and neither company has followed through with providing me with that I information. Furtvermore, I have provided proof of BK documents and filings proving this loan was covered and that they should have not been reporting anything on this account for the past  XXXX  and  XXXX  months to be exact.
Product: Debt collection

MS XXXX Services is making my life miserable. I want to write you about the following account : Account number : XXXX, date Opened : XX/XX/2020, high credit {$2400.00}. 

Violations committed by this company to the Rosenthal Act of California Credit Reporting Act that your company has committed : 1. Unfair business practices : Using an automated dialing system 2. Failing to mark account as disputed.

3. intrusive and ambiguous voice messages.

4. Re-aging account. ( Serious violation because it kills my credit score ). 5. Reporting incorrect first delinquency date. 
6. Negligence.

7. Failure to provide customer adequate customer service.

8. Failing to register in the California and Wyoming Secretary of State. 9. inconsistent report across bureaus. 

All I want is a fair solution to this issue. I want the item removed from all three credit reports as a compensation for all the damages that they have caused me. i am not able to get a home and I've been through emotional stress too. 

I ask that you send the attached documentation to the company. 

Thank you.
Product: Mortgage

We closed on a home loan in XX/XX/2014 and the originating company either sold or transferred our loan to Stearns Lending. 
We make our payment on the internet as figure we can track the receipt of the payment quicker than Snail mail. 
Depending on when our retirement income is received ( Social Security ) we make our payment effective the second Wednesday of each month. Depending on the date they anywhere from {$5.00} to {$10.00} for the payment. We have never been late and are still well within our grace period.

On the annual mortgage statement these additional fees reflect Late Charge, however I checked our credit and they do not reflect as a mortgage late payment.

Is this legal since we are stilll within our 15 day grace period. 
Our loan was just recently sold to XXXX mortgage and they do not have this fee thank you
Product: Vehicle loan or lease

Hello, I was never properly notified about any missing payments for my auto loan with Fifth Third Bank. I set up automatic payments in XX/XX/XXXX in which I was just told XX/XX/XXXX that it was only set up for two months and stopped XX/XX/XXXX. I was told the bank sent me automatic operative phone calls to notify me but those numbers come up as SPAM on my XXXX so I do not answer them. I was never given a voicemail, letter, inbox/documents tab on their online banking, etc. about missing payments. I did not know about this matter until I walked out of my home Friday afternoon XX/XX/XXXX to find my car was missing. I immediately called 911 thinking it was grand theft auto but come to find it was repossessed due to the missing payments. I am a very responsible person and make sure to pay my bills on time so I was in utter shock to find this information to be true. I spoke with the company numerous times in which they would not allow me to speak with a representative due to them being busy. I was told there are only 2 supervisors working compared to the 300. I would love to resolve this issue and miscommunication because it was drastically affected my credit history/score. Thank you for your time and looking forward to hearing from you. 

For reference my payments are around $ XXXX/month and I had to pay a total of {$1400.00} to receive the car back. I have paid the past due bill in full as soon as I heard of the event and scheduled payments through XXXX in which that is how far the representative would allow me to go. I am in the process of trying to speak with a supervisor with Fifth Third Bank to help resolve this matter but I was directed to this website. 

Thank you again for your time. 

Best, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate this account in my credit report. As of todays date, Equifax has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX Late Date XX/XX/22. I believe it was reporting in error. The late history should not be showing late because I think I paid on time. Please update the late payment from this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested in two prior times to resolve this issue. I never gave consent to anyone to share my alleged private information or transaction to anyone. They never did an investigation prior to putting these accounts on my consumer report .I requesting proof of valuation in 15 days and showing me proof that I gave consent for any company to share my information with a third party company or reporting agency such as Equifax XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

So I sent a letter off on XX/XX/2022. Here is my tracking # XXXX To remove personal information that I do not want on my credit report.According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802, No financial institution is not suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights.
Product: Credit card or prepaid card

Someone without my knowledge was able to make two withdrawals, ( 1 ) {$980.00} dollars, on XX/XX/2021, ( 2 ) {$1000.00} dollars, on XX/XX/2021, through, Wells Fargo Bank, located at XXXX XXXX XXXX XXXX, XXXX, Maryland. I, am considering this the initial step filing a Criminal Complaint. 
Ive contacted XX/XX/XXXXXXXX XXXX and Wells Fargo concerning this troubling issue. Its not easy manipulating an ATM UNIT.
Product: Debt collection

ON XXXX OF XXXX  CAN YOU VALIDATE THIS DEBUT WITH JP MORGAN CHASE XXXX CO? I CAN PROVIDE ACCOUNTS /EXBITS.
Product: Credit reporting or other personal consumer reports

I am formally filing a complaint against XXXX XXXX regarding a collection account that has been erroneously reported on my credit report. I respectfully request that the CFPB intervene in this matter and facilitate the removal of the XXXX XXXX collection account from my credit report. XXXX XXXX XXXX Balance Owed : {$340.00}
Product: Checking or savings account

Mobile Deposit check on XX/XX/2022 wells fargo put a hold on it until XX/XX/2022 made scheduled payments for bills to come out. I noticed on XX/XX/XXXX funds were not in my account called the bank they transferred me to the loss prevention department they told me that the check could not be verified and is now being held for fraud that was reason one. I got disconnected called back was told a different reason this time that unusual activity was coming from the issuers bank account. So at this point the person who wrote me the check ( girlfriend ) called her bank and was told that the money was withdrew from her account two days before XX/XX/2022 and that wells fargo does not know what they are doing. I then called wells fargo on XX/XX/2022 and they told me absolutely something different after telling them we verified with the issuers bank they responded with ( not going to release it until the new extension date XX/XX/2022 ) i asked why again i have bills to pay they said because we believe your trying to cash a check fraudulently. I went down to the local branch with the issuer showed the branch manager and they were at loss of words and didnt know how to help me. I am fully exhausted with this bank and now im going to have my bills late and occur late fees and items will show late on my credit report all because wells fargo messed up there way the hold deposits and lying about it ....
Product: Vehicle loan or lease

In. XX/XX/2019 my car was repo and should not have I provided to creditor that 2 payments had been deferred and that made me current only behind 10 days once they seen the mistakes and asked me to pay a percentage of fee of repo and I explained I was not at fault that they made mistakes cause they could not read notes on account To begin with it was a wrecked car and a flood. Damage vehicle and mildew I let dealer ship know they refused to help I notified bank they told me I would hear from the correct department they were also notified of the car lot only reported some of down payment not all and were altering documents to get loans pushed through once I was aware. I let it be known I did not pay my first payment cause I new it would default and they would have to close loan and refund me instead dealer ship paid it and I notified field bank that was in the notes and still nothing the car was fraudulent by XXXX XXXX XXXX and the sales man harassed me and it was brought forward so the marketing man over that area started changing notes on my accounts and I have proof
Product: Checking or savings account

On XX/XX/2020, I got a text from Citibank in regards to fraudulent suspicious activities on my checking card by text from XXXX XXXX. I immediately DECLINED all charges from XXXX XXXX within minutes of the charge since I did not authorize them by text. Additional to this, I personally called Citibank Fraud department where I confirmed to them that these charges were NOT from me, I declined all charges from XXXX XXXX, I CLOSED down my debit card and credit card for security purposes and ordered new cards. The next day, on XX/XX/2020, Citibank properly refunded them the charges. However, two months later, on XX/XX/2020, Citibank WRONGFULLY RECHARGED my debit card for the XXXX XXXX charges in the amount of {$470.00}. Since then, I have called Citibank almost 20 times during the past 8 months spending hours on the phone with them explaining over and over the situation again and so far, as of today, I still don't have my money back. The bigger fraud and thief here is Citibank holding my {$470.00}. I was in XXXX during lockdown for Covid in XX/XX/2020 and XXXX XXXX was not even open. If it was online order, it was NOT delivered to me. its every easy to prove that this is not from me.
Product: Credit card or prepaid card

XX/XX/2020, XXXX XXXX  a charge for {$1700.00} and {$49.00}. Notification was sent to rescind the contract on XX/XX/2020. 
The charges are still on my account. 
The representative at Barclay would not allow me to dispute these two amounts. The person would not allow me to speak with the supervisor.
Product: Debt collection

XXXX XXXX XXXX called me to collect payment for a debt. Because it was a phone call from a company I had not received notice of collection for, and because my cell phone was dying at the time I received the call, I indicated I would take care of the payment and got off the phone. I did not receive from XXXX XXXX XXXX any other contact attempts, nor did I receive notice in writing from this company regarding the debt they were trying to collect. I also, did not receive notice regarding the ability to dispute, I believe I am supposed to receive notice in writing of the attempt to collect a debt prior to it being reported to a credit reporting bureau. Because I did not receive proper notification, nor did I have the proper amount of time to respond, I have requested the collection record be removed from my credit reporting. The agency refused to remove the improper collection attempt from my credit report and their response was that they called me and expected me to pay over the phone to a company I had never spoken to using my credit card, which to anybody would seem like a scam.