23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My name is XXXX. I took a FHA loan with XXXX XXXX and the co-signer is XXXX XXXX through Wells Fargo Bank. Around 2009 we had a financial hardship and started a short sale. Every 3 months Wells Fargo asks us to submit paperwork including tax forms, pay stubs and bank statements. Then they do nothing. We have had many buyers and still have a buyer now. The bank is very slow and does n't do anything with the paperwork. They wait until the 3 months is up then tells us it 's expired and asks for us to submit everything again. This has been going on for seven years. Every time we call them to check on the status all we are told is that it is in process. Now we received notice that a sheriff sale is scheduled. We postpone it twice already and will end up having to go to court to fight it. This is extremely frustrating. Wells Fargo is the worst bank I have ever dealt with. I continue to get calls from them trying to collect a debt and when I explain we are in the process of a short sale I am transferred several times and the outcome is always the same. I need help getting them to actually do their job. The sad part of this whole situation is the reason we fell short on the mortgage. I had to shut down my checking account for fraudulent activity. Because my account was frozen I mailed money orders to Wells Fargo for the mortgage payment. Money orders do n't exceed {$500.00}. so I had to send XXXX money orders. A few weeks later Wells Fargo sent the money orders back in the mail and charged a XXXX late fee. I contacted them and was told that a machine opens the letters and because I had more then XXXX money order in a envelope the machine could n't process it and they had to charge a late fee. We were living paycheck to paycheck and were unable to pay the late fee in full. So every month after Wells Fargo charged another late fee onto the mortgage. We could n't afford it. Eventually we stopped paying and started the process of a short sale. Please contact me if you need proof of documents of the short sale process.
Product: Checking or savings account

On XX/XX/XXXX I deposited a cheque. I noticed the cheque was two months old. Right after I deposit it I called chase bank to stop the cheque they said they could not and to wait to see if it would go through. It was returned because of its age and I was charged XXXX XXXX I feel this charge could have been avoided. I understand the policy that was why I tried to stop it within an hour of the deposit is it justified that chase charge me? 
Respectfully XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ALL XXXX credit Bureaus have been made aware via certified mail. 
Sent in XXXX report via XXXX XXXX mail and filed to credit bureaus on XX/XX/XXXX XXXX Report Number : XXXX I am a victim of Identity theft. This is my official statement about the crime. 
Contact Information First Name : XXXX XXXX Name : R Last Name : XXXX Phone : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Email : XXXX I did not consent to nor authorize or benefit from following fraudulent accounts below. Please lock and remove them immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXNXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts Affected by the Crime Credit Card Opened by the Thief Company or Organization : Inquires Total fraudulent amount : {$0.00} Under penalty of perjury, I declare this information is true and correct to the best of my knowledge. 
I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both. 

XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Date Use this form to prove to businesses and credit bureaus that you have submitted an XXXX Identity Theft Report to law enforcement. Some businesses might request that you also file a report with your local police.
Product: Checking or savings account

On XX/XX/23, I noticed XXXX withdrawals, {$4500.00} and {$240.00}, from my Chime account. These were to XXXX XXXX. I do not know anyone by this name, do business with anyone by this name nor did I offer these withdrawals. Said transfers, if they were indeed transfers, were apparently made, on or about XX/XX/23. 

All attempts to resolve this with Chime and/or its bank failed to correct this problem. 

Thus, {$4700.00} was stolen from me, either from a bank withdrawal or illegal transfer. Please, I ask you, to help recover my money.
Product: Credit reporting or other personal consumer reports

Per my previous complaint logged with Equifax # XXXX They are stating on their website that the case is closed. They have never sent me any information regarding the outcome. On this website it says case pending. It is impossible to speak to a person or dispute anything regarding this case on their website. They are also asking me to mail them documents with information that I do not want to send in the mail but again I have no way to upload these documents or speak to a human being regarding this request. This request is also being made even though they are saying the case is closed.
Product: Debt collection

This company sent me a typed up bill from a computer with my name but a wrong address saying that they verified that I owe {$570.00}. I have a fraud alert placed on my credit reports. They failed to show me documents that I personally signed with correct dates authorizing these charges. They are reporting false information and damaging my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX on XX/XX/22 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 credit bureaus have not responded 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 the listed accounts which i believe were reporting in error. 


XXXX XXXX XXXX Balance : {$6900.00} XXXX XXXX XXXX XXXX Balance : {$510.00}
Product: Credit reporting 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 confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number:XXXX  Account Name : XXXX XXXXXXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I have had several calls and mail correspondence about credit cards from XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, and Chase. XXXX and XXXX XXXX have been approved despite me not ever having talked with the company. I'd like to end all credit cards taken out in my name in the past month.
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 confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name : US DEPT OF EDUCATION/ Account XXXX XXXX Account name : XXXX  Account # XXXX Account name : US DEPARTMENT OF EDU XXXX Account # XXXX Account name : US DEPARTMENT OF EDU XXXX Account # XXXX Account name : US DEPARTMENT OF EDU XXXX Account # XXXX Account name : US DEPARTMENT OF EDU XXXX Account # XXXX Account name : US DEPARTMENT OF EDU XXXX Account # XXXX Account name : US DEPARTMENT OF EDU XXXX Account # XXXX Account name : US DEPARTMENT OF EDU XXXX Account XXXX XXXX Account name 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

What a nightmare to get someone who I can hear. It has only gotten worst instead of better.  Citi card does not care. 3 hours of no help again t oday. I am so exhausted by the timr help arrives.     The voice system is not clear either.  Overseas  is a nightmare too.     I was told my annual fee would be waived or a promotion.
Product: Credit reporting, credit repair services, or other personal consumer reports

On approximately Saturday, XX/XX/XXXX I reviewed my TransUnion credit report. Upon reviewing examining the file in further detail I noticed that an old credit card account from " XXXX XXXX '' was still reporting as a " current account '' despite being closed nearly three years ago. On my credit report, under " Payment History '', Trans Union 's comments indicate this account was closed in XX/XX/XXXX ( a comment of XXXX is noted ). I disputed the status of this account with TransUnion on approximately Sunday, XX/XX/XXXX. TransUnion responded saying that they verified the account status as accurate based on information provided by the creditor ( despite my credit report from the other two reporting bureaus showing this account as closed ). I am therefore submitting this complaint against XXXX since they have submitted inaccurate information regarding my closed credit card account to Trans Union. I have attached a copy of my Trans Union credit report for documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX 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 XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX TX XXXX, XXXX XXXX XXXX  XXXX Balance : {$0.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2000.00}, XXXX XXXX Balance : {$1200.00}
Product: Mortgage

I bought my house 16 years ago. In XX/XX/XXXX, I was struggling with health issues and was unable to make my mortgage payment. At the end of XX/XX/XXXX, I contacted my mortgage company XXXX to request a forbearance as I was XXXX awaiting XXXX in XX/XX/XXXX. They advised me that they had sold my mortgage and gave me a phone number to call. I had not received anything advising me of this sale. In XXXX, after my XXXX, I called the number that had been provided to me. I was advised they are servicing my mortgage and I would receive a statement. On XXXX XXXX, XXXX, I called them again and they told me I had to pay {$10000.00} to bring my mortgage Shellpoint acct # XXXX to good standing. I processed my payment though my bank ( XXXX Bank ) for two payments {$5000.00} and {$5600.00} both of which were withdrawn from my account on XX/XX/XXXX. When XXXX rolled around, I received a statement from Shellpoint Mortgage Sevicing asking me to pay {$2100.00} which was my usual {$2000.00} plus fees. I sent the payment to Shellpoint Mortgage Servicing and on XX/XX/XXXX ( my mortgage due date is the XXXX of each month ), the funds were withdrawn from my account. On XX/XX/XXXX the payment was refused by Shellpoint Mortgage Servicing. I contacted Shellpoint and spoke to XXXX ID # XXXX who advised me she could not see the payment made in XXXX yet it had been withdrawn from my account on XX/XX/XXXX. She advised me to give them time to investigate before submitting the XXXX payment again. I voiced my concern with being charged a late fee and she said she would contact me in two business days which would be XX/XX/XXXX. When I did not hear from her, I went ahead and resubmitted the payment and it was again withdrawn from my account on XX/XX/XXXX and then again returned on XX/XX/XXXX. Confused, on XX/XX/XXXX, I again called Shellpoint Mortgage Servicing and was connected to XXXX XXXX ( Phone # XXXX ) who verbally advised me that my payment was being rejected because my mortgage had been put in foreclosure. I asked why because as far as I was concerned I had paid it off and bought it up to date with the payment of {$10000.00} withdrawn from my account on XX/XX/XXXX. She advised me not to send the payment and wait to be contacted with the total due including lawyer fees. Please note, I have never been advised I was in any sort of foreclosure. This verbal notice is the first I have heard of any foreclosure. When they accepted the XXXX payment, which is what I was told was due and even received a statement for, I as a consumer believed I had caught up. That's why I sent my regular payment in XXXX. I am now very confused and believe I am being bullied into foreclosure. I have lived in this house for 16 years and had it not been for my XXXX I would have never fallen behind on my payments. I was not even made aware when my mortgage was sold. Please help me. i feel like I will now be paying high lawyer fees which will likely put me in a position of not being able to make the mortgage payment.
Product: Credit reporting or other personal consumer reports

Dear CFPB, IRS, XXXX, XXXX, XXXX XXXX, LVNV FUNDINGS LLC I am writing to demand the deletion/removal of an unlawful and inaccurate report on my account. XXXX XXXXXX/XX/XXXX has unlawfully given my nonpublic personal information, personally identifiable information, financial information without my consent to a third party. This is clearly stated in the Fair Credit Reporting Act in section 604 ( B ). I have not given consent, written instruction or permissible purpose for this to be reported, shared or sold. This is also a breach of the arbitration agreement. The account in question has been bought by LVNV FUNDINGS LLC. Furthermore LVNV FUNDING LLC has harassed me constantly even after me telling them they legally need to cease and desist. These are all violations of the FDCPA, FCRA, GLBA, ETFA, this is also fraud identity theft, harassment. I demand the account be removed by all credit reporting agencies and the 3rd party. In addition to the deletion of the account and rapid rescore I expect my privacy right to be respected and I expect all parties to act in accord with the law. Including all applicable tax law. This illegal, unlawful and inaccurate reporting is damaging my credit worthiness and if it continues I will be forced to alert the SEC, FTC, IRS and every applicable legal entity to resolve this matter. There are also several violations of state law. Rather than pursue all of these in court, I simply demand the item be removed in accordance with the law. Then all parties are made whole. Any further communication that doesn't involve removing the account will be considered a failure to cure. This is a notice to all parties involved that any further non compliance will be considered willful. Please be advised that this is my request asking you to remove the unverified account on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report as well. I demand that you remove the account from my credit report immediately. If you do not comply with this demand within 30 days, I will be forced to take legal action.
Product: Debt collection

Jefferson Capital Systems, Inc. 

XXXX XXXX XXXX XXXX XXXX, MN XXXX To whom it may concern, On a recent review of my credit report, I discovered your company, Jefferson Capital Systems continues to report the collection account referenced herein. Previous disputes of this collection has not resulted in validation of the debt referenced in this complaint nor a resolution. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes the third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that Jefferson Capital Systems cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. If youre unable to validate the account within 30 days, then you are to remove the collection account from all of my credit reports. 

Your failure to act will result in this matter being referred to the Federal Trade Commission and the Attorney Generals Office.
Product: Mortgage

This is regarding CFPB # 's XXXX and XXXX. I am attaching the first XXXX pages of the approved loan adjustment agreement ( Loan Modification Papers ) that I received from XXXX on Thursday XX/XX/XXXX. I had just wrote to you last Saturday, XX/XX/XXXX regarding another issue with Bayview loan not crediting my account where they have admitted fault on wrongfully foreclosing and adding a plethora of charges and fees to my loan regarding the wrongful foreclosure These have yet to be corrected and I have now asked 3 times to no avail. I received a call from a XXXX in the Customer Advocacy Team Department saying they were in receipt of the CFPB letter and assured me that 1 ) I would be receiving an answer on my loan modification, 2 ) the current foreclosure ( XXXX XXXX ) auction date of XX/XX/XXXX is ON HOLD, and 3 ) that I would receive a letter explaining the credit ( s ) to my account where Bayview 's errors from the wrongful foreclosure and any other fees/charges were put on my account and also regarding my NOE letter from XX/XX/XXXX. On Thursday XX/XX/XXXX, I received the loan modification papers from XXXX. I was approved. However, I was n't happy because NO credit of ANY TYPE is included to adjust the amount owed to Bayview. I called XXXX to let him know this. XXXX told me XXXX was unavailable and XXXX said XXXX only was letting me know that my letter from CFPB was received and if I had any other issues. I told her I need to talk to him regarding our conversation she said I have to talk to XXXX XXXX. I called XXXX to let him know the credits are not included on the loan modification papers. XXXX tells me I will have to write a letter to the Bankruptcy department but send to his attention regarding my credits not showing. I asked why do I have to write ANOTHER letter when I have been waiting since XX/XX/XXXX for these credits to appear and for Bayview to rectify this entire mess. I said I have written 3 letters regarding my credits as it is. I asked if I could please talk to the bankruptcy department. XXXX said he can not put me through to that department but that we have time and sarcastically ( as he usually is! ) said you said that XXXX said the foreclosure is on hold, did n't you? Why do n't you have XXXX call me ( this is the realtor that I was trying to see about selling my home that said he would help me with my loan modification to make sure it goes smooth, he would have to charge me XXXX and took a check for XXXX from me - all he has done is had me sign a paper stating I am allowing him to talk to XXXX XXXX and has called XXXX about three times - NOT HAPPY WITH " XXXX XXXX XXXX ''. continued on # XXXX of this form on " My Information ''
Product: Debt collection

Commonwealth Financial only recently has placed a collection on my credit report in which this does not belong to me, as I have not had any medical done in more than 4 years. I have never been notified of this debt, shown validation of this debt and just all the sudden showed up on my credit when there has not been one thing prior about this on my report. This is fraudulent and against Fair Credit laws