23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XX/XX/XXXX I entered into a mortgage with Wells Fargo in the amount of {$500000.00} ... sometime in XXXX I tried to attain a loan modification because I had a new job and I earned less than when I purchased the home ... Wells Fargo sent paperwork over for me to sign for the application process but then nothing ... I then get a call from Wells Fargo some time in XXXX advising me that they found an error and in order to correct it they are going to remove my PMI ... I asked what error? they said in the loan modification.. I then informed him that I never received financial relief because I continued to make my monthly payments because my payments were never lowered. In order to 'correct the matter ' they removed the PMI ... later in XXXX my loan was sold to XXXX XXXX for {$500000.00} ... then again in XXXX for {$500000.00} to XXXX  who I notified also of the loan modification I never received from Wells Fargo so XXXX  lowered my monthly payment from {$2500.00} to {$1900.00}. They then sold my mortgage to XXXX XXXX XXXX for {$310000.00} in XXXX. I am in the process of refinancing my mortgage with XXXX and while I am waiting for a closing date, the title company informed me that I have an outstanding loan with Wells Fargo for {$130000.00} that is due to mature in XXXX. I never received financial relief from Wells Fargo. In addition, why would Wells Fargo sell my mortgage for the full amount as if I never made payments from XXXX? I contacted them asked for copies of my payment history and I was told that when the mortgage was sold the payment history went along with it. I contacted all other lenders and none have the payment history with Wells Fargo only their own. The 2nd mortgage does not appear on my credit report but now all of a sudden I am getting emails from Wells Fargo about my statements being ready. When I went into the Wells Fargo portal there are only statements from XXXXpresent but when I try to open them I get an error message 'The document can not be opened because it is corrupted or damaged ' I have escalated the matter to DFS but they do not handle these cases when the bank home office is not based in XXXX. I have also escalated this matter to the corporate offices of Wells Fargo and have not heard a response. I need this matter resolved as quickly as possible. It is vital that I refinance my house and Wells Fargo does not seem to want to cooperate or provide answers they just send me copies of documents I signed. I would like to know if this is part of the scandal they are currently involved in.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXX Balance : {$4600.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX AP XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX  XXXX, NC XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX, AP XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is saying an account on my credit report is valid with XXXX and that is not accurate. XXXX and XXXX have since removed these unvalidated accounts from my credit report. Equifax never follows the FCRA guidelines that are set in place. I put in the same disoute with XXXX and XXXX and the companies were unable to validate this account how is it that Equifax is saying the can. They do not investigate and use their own judgement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my credit report and noticed multiple unauthorized inquiries on my report
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX, I received an email from XXXX stating my next payment was due, and that I was " currently past due '' in the amount of {$120.00}. 

On XX/XX/XXXX, I made a payment to XXXX in the amount of {$120.00}, using a debit card on their website. My principal balance on this date was {$2100.00}. 

On XX/XX/XXXX, my regular payment of {$100.00} was due. 

On XX/XX/XXXX, I received a noticed from XXXX that my loan was being transferred to another company called XXXX, or XXXX and XXXX XXXX in XXXX  XXXX. I did not agree to this transfer. Based on their email, XXXX  would take over the loan on XX/XX/XXXX. 

On XX/XX/XXXX, I received a statement from XXXX, stating that I had {$310.00} worth of late fees. How is it that XXXX stated I was past due {$120.00} on XXXX, but my XX/XX/XXXX statement from XXXX  says {$310.00}? Where did they come up with this amount in XXXX  days? 

I have attempted to resolve this directly with XXXX  ( as XXXX refuses to discuss anything with me ), as well as a complaint to XXXX  in XX/XX/XXXX. I have sent statements, as well as payment receipts to XXXX. XXXX  continues to state that " the late charges based on what XXXX sent to us. '' However I received NO correspondence from XXXX regarding this amount of late fees. With XXXX, the late payment charges were ALWAYS ADDED to the actual amount due. I've asked repeatedly for documentation ; XXXX  also refuses to give me a copy of the documentation XXXX sent to them. The only documentation I have received regarding these late fees is from XXXX. 

My complaint would be against both companies, XXXX  and XXXX  ; XXXX  for giving an extremely short notice of this transfer, and XXXX  for tacking on errorneous charges and reporting false information to the credit bureaus.
Product: Credit card

Hey so I see that a Capital One Quick Silver and XXXX XXXX credit card was applied for without my consent back around XX/XX/XXXX. Someone has been using my information to get credit cards without my knowledge, and its causing my credit to suffer with uanessacry hard inquires and ect. I would like for this issue to be resolved asap. Thank you.
Product: Mortgage

Good morning, I looking for answers regarding my mortgage account with Wells Fargo. I received annual escrow projection for 2017 taxes. This analysis is based what they " think '' coming year taxes. This projections are often inaccurate and never adjusted if not disputed. Well I have attached what was sent to me and it does not reflect my actual monthly payment. 
I have spoken to several of Wells Fargo representatives last ( XXXX XXXX ) and it still does not answer my question. Projection is based on a payment made twice a month payment of {$690.00} this amount is incorrect. My actual payment is {$620.00} twice a month. Why this rate is not based actual amount being paid? WHY? If projection is false so is calculation for monthly rate? The past few year my receive a tax credit. See noted on tax record.This has been on going and I feel my current monthly payments is inaccurate. I 'm asking for someone this to review and advise. 
Loan # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance XXXX : {$0.00}
Product: Credit card or prepaid card

Hello, I opened a landscaping credit account with Wells Fargo Outdoor solution in XXXX of XXXX. My account has a no interest if paid in full by XX/XX/XXXX clause. After the landscaping was installed, I immediately set up auto payment with my bank to ensure the final payment would be made on XX/XX/XXXX with the first payment submitted on XX/XX/XXXX. Payments were made like clockwork on the XXXX of every month thereafter. I did not check my account again until XX/XX/XXXX when I noticed every month I was receiving a late fee and interest. I immediately called Wells Fargo and they indicated that because I made my payment every month one day prior to the billing cycle opening date every payment is considered late. At that point they agreed to remove all late fees and interest due to the fact I was unaware my payments were being made early. I then moved my payment date forward with my bank to avoid the same issue moving forward. I have since been checking my account every month to ensure the fees have been removed. It is now XXXX XXXX and some of my fees have been removed but there is still a fee balance of {$210.00}. I have made 3 additional calls to Wells Fargo pleading my case but I am now running into road blocks and my feeling is that Wells Fargo no longer intends to work with me. I explained to the bank that from my history it should be pretty obvious that I am not trying to game the system here and I should not be penalized for making my payments early every month. Thank you in advance for your help. XXXX XXXX
Product: Debt collection

Persons claiming to be with Wakefield and associates have repeatedly called me and left voicemails and also have sent text messages claiming that they are collecting a debt I owe. I do not owe this debt, my medical bill was paid in full and I have confirmed this with the medical provider. I actually contacted the phone number from the text message today and while they sounded completely legit at first, a first language speaker spoke, they then transferred me to what sounded like a foreign based call center we're in that person proceeded to ask me personal information ( is this your personal phone, what did you use to pay the bill with, etc ) after I told them I do not have a debt and that it had been confirmed with the medical provider. I also thought it was suspect that they had a nice round number ( {$500.00} ) that I owed, which has never been the case with any of my medical bills. I told them that I had not received any official communication through an email or by letter, and that as a third party vendor they should be providing me with information not the other way around. I then ended the call.
Product: Debt collection

To whom it may concern, I am writing to formally report XXXX fraudulent accounts that have been listed on my Transunion credit report as a result of identity theft. I did not open these accounts, nor did I authorize anyone to open them on my behalf. The details of the fraudulent accounts are as follows : Account Name : XXXX XXXX XXXX XXXX Account number : XXXX I became aware of these unauthorized accounts on XX/XX/year> and I have taken immediate steps to secure my personal information, including [ mention actions youve taken, such as filing a police report and freezing my credit. 

Please remove these fraudulent accounts from my credit report, as they do not reflect my credit activity or financial responsibility. I have also attached supporting documentation, including a copy of my identity theft affidavit, police report, and any relevant communication with the creditors involved. 

Thank you for your prompt attention to this matter. I trust that this will be resolved quickly to prevent further harm to my credit standing. 
Sincerely XXXX XXXX XXXX
Product: Mortgage

We have always had an escrow account with our loan. Shockingly, at some point when PHH Mortgage took over as the servicer for my loan, they started to misapply my escrow payments towards principal reductions. There was no reason for this, other than bank error. This led to creating an escrow shortage in my account and increasing my monthly payment when they did their escrow analysis.

When we discovered that payments were mis-applied, i called my previous servicer, PHH Mortgage , to resolve the issue. At this point, they said that it wasn't their responsibility anymore since servicing had been transferred to XXXX XXXX. Then I called XXXX XXXX to have my loan corrected and they said it wasn't their responsibility since the errors were made by the previous servicer. 

After doing some research and comparing my amortization schedule with my current principal balance, there is {$2800.00} in principal reductions that never should have taken place. These mortgage servicers have admitted fault but provided no resolution to the problem. 

Please see mortgage statement dated XX/XX/year> attached. Specifically look at the explanation/breakdown of amount due. Then look at how the past payment was applied.
Product: Checking or savings account

ID ALLEGE CRIMES AGAINST ME BY XXXX XXXX XXXX COMING OUT OF XXXX XXXX WHICH FBI & XXXX ATTORNEY ARREST XXXX XXXX, NOT RELATED TO CRIMES BUT STATEMENTS OF OFFICIALS ATTEST TO CONCERN, THEREFORE REQUEST THEIR ATTENTION TO ALSO XXXX 'S XXXX CHAIRMAN DIRECT FRAUD PERMITTED XXXX XXXX XXXX INSURANCE, KENTUCKY, BUT LEFT EMPLOYMENT XXXX XXXX XXXX XXXX XXXX AND APPROVED XXXX AND XXXX, XXXX FEDERAL XXXX XXXX TO ALLOW NO OVERSIGHT MEDICATION OR PROCEDURES.. JP MORGAN XXXX XXXX XXXX ACCOUNT OPENED FOR PENSION CHECK, BUT DENY DEBIT CARD COUNTER TO XXXX XXXX XXXX VI ELECTRONIC TRANSFER FUNDS ACT THEN DIRECT TO PENSION AT XXXX XXXX XXXX XXXX BUFFET XXXX BIG NO ONE TOUCH FRAUD, BUT NOT MY SS NUMBER, ERROR TO XXXX 'S XXXX I WILL NOT ADDRESS SINCE CLERICAL ERROR AND HUGE FANNIE MAE MORTGAGE TO XXXX XXXX XXXX XXXX HOUSES STILL INVOLVED
Product: Credit reporting or other personal consumer reports

The account with number XXXX is not mine. The only legitimate XXXX account I have is associated with XXXX. My personal information was compromised in a data breach, which led to this unauthorized account being reported. I request the immediate removal of this account from my credit report. Your reporting is both negligent and inaccurate, violating the Fair Credit Reporting Act ( FCRA ). Please take corrective action to comply with federal regulations and ensure accurate reporting.
Product: Mortgage

I am writing today in regards to my account with CITIZNSBANKNA Account # XXXX. 
A late payment is showing on my report in XX/XX/2020, due to Covid I was unable to make the payment for the XX/XX/2020. As soon as I was able to, I got my payment made and caught up.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : 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: Mortgage

Originally submitted loss mitigation application on XX/XX/XXXX. Was informed that paperwork was incomplete ( stated that the pay stub submitted for XX/XX/XXXX had been cut off and was not showing all of the deduction information ). Re-submitted XX/XX/XXXX paystub and XX/XX/XXXX paystub on XX/XX/XXXX. Also informed customer service that I was a XXXX and was paid only once a month. At that point, I was informed to re-submit the application, noting that I was a XXXX  on an 11 month contract. I re-submitted the application on XX/XX/XXXX and included XX/XX/XXXX pay stub in addition to XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX I contacted the company for an update and was told that i needed to provide the correct tax form. I submitted the tax form on XX/XX/XXXX. I contacted the company for an update and was told once again that my pay stub was missing information. I informed the company that my pay stub was complete and that I explained to the customer service rep how to read my pay stub and where to find the info that was needed. The rep made a note in my file for the underwriter. The rep also informed me that I needed to submit a new paystub for the month. On XX/XX/XXXX, I submitted my pay stub for XX/XX/XXXX. I called a week later for an update and was informed that the pay stub was incomplete. I explained once again how to read my pay stub and was told that a note would be put in my file. On XX/XX/XXXX, I received a letter informing me of my denial with the reason being incomplete package. I called the company on XX/XX/XXXX and was told that the denial was due to my pay stub being incomplete. Once again ( for the third time ) I explained how to read my pay stub and informed the rep that I am only paid once a month. The rep put me on hold and came back to the phone to inform me that there was nothing she could do and that I would have to submit a new application and start the process over. A new application was emailed to me on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of identity theft, and my personal information has been compromised due to a data breach. Pursuant to the provisions outlined in 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that all fraudulent accounts and inquiries associated with my credit file be blocked and deleted immediately. 
The following accounts have been identified as fraudulent and should be removed : Accounts : XXXX. XXXX XXXX XXXX - Account # XXXX - Reported XX/XX/XXXX - {$750.00} XXXX. XXXX - Account # XXXX - Reported XX/XX/XXXX - {$200.00} XXXX. XXXX - Account # XXXX - Reported XX/XX/XXXX - {$32000.00} XXXX. XXXX XXXX XXXX - Account # XXXX - Reported XX/XX/XXXX - {$0.00} XXXX. XXXX XXXX XXXX - Account # XXXX - Reported XX/XX/XXXX - {$27.00} Inquiries : XXXX. XXXX XXXX XXXXXXXX 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 XXXXXX/XX/XXXX
Product: Checking or savings account

Truist Bank allowed a completely and obvious fraudulent check to take {$2400.00} from my checking account. No checks were ever issued on this account. 
Since it took over 30 days for me to report the bogus check, the bank stated that I'm responsible for the missing funds. The bank should of never allowed such a check to clear. Computer generated check with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on the face of the check. Check made out to a XXXX XXXX XXXX XXXX signed on the back. 
No one should of cleared that check... total incompetence and negligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX i refinanced with XXXX XXXX XXXX around XX/XX/XXXX i had a roommate move out over night owing me XXXX XXXX dollars so i contact acted my mortgage company to ask them idf there was a temporary program to assist me for maybe 4 months if not less they informed me that there was such a program and advised me to fill out the documents that they would send me so i filled them out sent them back and waited XXXX weeks before contacting my servicer and was then informed to not make any payments until the loan modification was complete at that point i was current with my loan and was informed that it would not effect my loan or credit rating in XXXX XXXX  XXXX i was sent documents for a trial modification for XXXX XXXX and XXXX of XXXX and my payments would be XXXX so i contacted them and asked how this was assisting me when my original payment was XXXX they said ok that I needed to fill out another form which i did and again I received a trial modification for XXXX a month this was for XX/XX/XXXX XXXX and XXXX XXXX so i agreed and made the 1stand 2nd payment i tried to make the 3rd payment they said I had been put in a forbearance and when it was done I would pick back up with the trial modification so the last month of the forbearance I contacted my server and asked when i should start my trial modification payments and they then informed me that my trial modification had been cancelled and that i had to fill out the same documents to start all over again so i did and when the trial modification started for the 3rd time it was filed in the XXXX XXXX county courts and when I was on my second payment I was informed that my house was going up for sale the next day so I contacted a law firm XXXX XXXX and retained them they made me go file bankruptcy to stop the sale of my house so XXXX worked with my servicer and in XXXX XXXX  XXXX I started my XXXX trial modification it went from XXXX to XXXX and XXXX of XXXX the modification paper came to me the XXXX of XX/XX/XXXX stating starting XX/XX/XXXX I was to pay XXXX a month and that all the missed payment would be added to the end of my loan and my loan would be extended so every month from XXXX of XXXX I made my payments so in XXXX of XXXX I was contacted by a refinance co and started the process of refinancing only to find out that they had added nearly XXXX dollars to my loan and reported me as late for all the months they had me waiting for modifications so I contacted my servicer and asked them to fix the error they refused i sent evidence to all XXXX credit company and asked them to fix the errors so my servicer comes back and says they will mark me current from XXXX of XXXX to XXXX of XXXX and no data available back to XXXX of XXXX when my original trial modification started my servicer has lied to me and the new lender i am attempting to go thru i have all the evidence to prove every thing I've said in this statement i just need help
Product: Credit card or prepaid card

There has been numerous times that my wife and I have both received notification that we were either approved denied a Chas e Amazon.com Vis   XXXX  CC over the past year or so.  <P/> We notified the company many months ago and this has occurred more times including as last as   XXXX   XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out and filed disputes with XXXX, Equifax and XXXX about reporting inaccurate info on my credit report and the only thing they have done was updated I am not sure of the dates but most recent was XXXX of XXXX and it came back as not removed or deleted but updated. I have asked these credit bureaus to validate the accounts first and since then I have not received any updates verifying these accounts. I have also called each credit reporting agencies to update personal information and disputed inquries that I have not consent any company to check my credit and there has been no change since last year XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XX/XX/2022