23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX SUBMITTED ON XX/XX/XXXX PRODUCT Mortgage ISSUE Trouble during payment process Wells Fargo Executive Office responded XX/XX/XXXX that {$16000.00} paid by a Federal Agency to Wells was entered and there was a transfer error not properly corrected before Wells dumped my loan to XXXX  - Wells had over 45 days from XX/XX/XXXX to XX/XX/XXXX correct this problem. 

Wells Fargo has failed to carry out the legal process upon receipt of Federal Funds and proper distribution to homeowner account. Wells showed utter contempt for homeowners gaining assistance from a Federal Agency to make this payment and borders on retaliatory conduct. Why was my loan dumped during a federal fund payment process transfer days after loan payment was made to Wells? Why has almost 55 days passed and NO CORRECTIVE action taken by Wells to notify XXXX? Is Wells attempting to keep the Federal Funds and not perform legal due diligence to pay FEDERAL FUNDS into the homeowner account? Question is WHY? Wells should be held accountable. 

Wells response letter dated XX/XX/XXXX - " stated check sent for XXXX -- Wells can confirm we didn't receive a check in the amount of {$17000.00} '' -Wells also stated information was not sent for a Modification - both statement border on deceptive practices and scams! Worked closely with Home Preservation XXXX @ XXXX that received all my documents not once but several times. ( see attachments ) This letter borders on Deceptive Practice and RETALIATION for seeking mortgage assistance. A FEDERAL Homeowner RIGHT! 

Wells has added more deleterious harms to the homeowner. For ex : Wells Fargo added {$3200.00} legal fees for FORECLOSURE ( never filed ) to the loan transfer to XXXX  -- not warranted ( see last statement from Wells XX/XX/XXXX ) NO LEGAL FEES existed. My home was NOT in Foreclosure!! - My complaint is that XXXX is moving fast ( within 30 days ) to foreclose on my home due to Wells Fargo deceptive practices and discriminatory retaliation. Wells Fargo should be held accountable after over 55 days for not transferring FEDERAL FUNDS to XXXX!!
Product: Debt collection

I have contacted Credit Collection Service company on XX/XX/2021 and XX/XX/2021 to dispute this erroneous debt that was placed on my credit reports in error. I have not received any debt Validation notices from them. I also disputed this erroneous account with the 3 credit reporting agencies, which returned back to me that this item was verified and updated! How is this possible? I contacted this company over 4 months ago with no response or validation for this debt, which violates the Fair Debt Collection Practices Act. Below i will include all of my correspondence with them and the 3 credit reporting agencies and their reply to my dispute. I also included my Certified mail tracking receipts which clearly states that Credit Collection Service received my dispute and is clearly violating the FDCPA.
Product: Debt collection

I am sending this complaint because I am very concerned. There is a 60 days late remark reported on my account on XX/XX/XXXX. I want to explain what really happened. There was a third-party company that committed a big mistake. I want to emphasize that I had more than enough funds to make the payment. 

I am being very affected due to their error, and I dont know what else to do. When I contacted them, they apologized and sent me a letter. When I realized that the payment was not completed, I immediately made the payment and now I have a perfect record of on time payments. 

What really happened : This company mistakenly debited my XXXX XXXX account twice for my XXXX Mortgage account on XX/XX/XXXX for two payments of {$820.00} and the Carmax payment of {$590.00}. In total, they were supposed to pay {$1400.00}. This was the reason why my Carmax payment was not completed. I had to contact XXXX directly to get the payments reversed! 

I am requesting an adjustment of this late remark and get it corrected or reported as no data. This situation is killing my credit score and I am not able to get a home. This was a situation that I could not control. 

I have never been late on my account. I hope I can get a positive response from your company. 

Account information : Account name : Carmax Auto Finance Account number : XXXX Date Open : XXXX XXXX Thank you.
Product: Student loan

XXXX on total XXXX and have been this way since 1990 unable to work. XXXX XXXX said that I would not have to repay the XXXX loan for my daughters education. They lied about removing this from my credit report and I just want this to go away once and for all. My health has gotten worse since my daughter has attended that school ( they are out of business!!! scamming folks out of the careers they promised ). I wished my daughter never went there to better herself.
Product: Debt collection

I, XXXX ; XXXX, living soul and Executor for the estate of, am writing to dispute several items on my credit report, which I believe contain inaccurate information, and violations of federal trust laws. These inaccuracies are causing significant harm to my financial standing and reputation. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request that these inaccuracies be corrected promptly. 
The estate in question with XXXX social security number is FULL NAME : XXXX XXXX XXXX : XX/XX/year> LAST XXXX OF SSN : XXXX ADDRESS : [ XXXX ] XXXX XXXX XXXX XXXX, XXXX [ XXXX ] Any and all names, addresses and employers listed outside the authorized information given by the estate in the above information is to be REMOVED IMMEDIATELY, anything that remains on the report after the request investigation will constitute trespass and you will be fined {$55000.00} USD for EACH inaccurate listing still remaining. 



The accounts in question are listed below as well as highlighted in the report attached. 
LATE PAYMENTS BEING UNLAWFULLY REPORTED : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX************** ACCOUNTS UNLAWFULLY REPORTING CHARGE OFFS OR THAT HAVE BEEN SOLD TO XXXX PARTIES HAS BEEN HIGHLIGHTED IN THE REPORTS ATTACHED and listed below. 

XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. Ref : XXXX - XXXX  XXXX XXXX  XXXX XXXX
Product: Debt collection

" AMERICAN STUDENT ASSISTANCE " HAS A {$160000.00} STUDENT LOAN " DEBT '' reporting on these credit bureau incorrect information a debt that does not exist. This is causing injury, and hindering my life as a consumer. XXXX XXXX, and XXXX  credit bureaus, continue to ignore all proof of claims regarding a dispute for over 6 months now with no response what so ever as well as continuing to report inaccurate information ( FCRA Section 611 Part ( A ) ( 1 ) ). I may presume that no proof of the alleged debt, nor thereof, any such debt, in fact exist. ENGELGARDT v. GRAVENS ( MO ) 281 SW 715,719. I have sent countless registered mailings, made phone calls, and have disputed properly online. In addition, refusing and ignoring proof of claims, to correct my information on all bureaus credit sites. I now am PETITIONING FOR ARBITRATION. As the company continues to falsely report inaccurate information in collusion with these third party credit bureaus and XXXX XXXX XXXX XXXX, as well as trying to collect SAID " DEBT '' with unfair debt collection practices in accordance to 15 USC 1692.
Product: Debt collection

Dear Sir or Madam, I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from MOHELA : 1. Validation of the Debt ( the actual accounting ) ; 2. Verification of your claim against me ( a sworn affidavit or a hand signed invoice in accordance with The Bills of Exchange Act ( 1882 ) ; Uniform Commercial Codes ; Federal Fair Credit Reporting Act ; and Oklahoma Statues for Lawful Purposes.

3. A copy of the contract signed by both parties and therefore binding both parties.

4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold.

5. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Money Laundering Regulations 2007 and what actions s/he has taken in relation to this account.

I hereby give you ten ( 10 ) days to reply to this notice from the above date with a notice sent using recorded post and signed under full commercial liability and penalties of perjury, assuring and promising me that all of the replies and details given to the above requests are true and without deception, fraud, or mischief. Your said failure to provide the aforementioned documentation within ten ( 10 ) days from the above date, to validate the debt, will constitute your agreement to the following terms : -That the debt did not exist in the first place ; or -It has already been paid in full, AND -That any damages suffered, you will be held culpable ; -That any negative remarks made to a credit reference agency will be removed ; -You will no longer pursue this matter any further.

-You agree to pay all fee schedules.

Please Note : I wish to deal with this matter in writing and I do not give your organization permission to contact me by telephone. Should you do so, I must warn you that the calls could constitute 'harassment ' and I may take action under Section 1 of the Protection from Harassment Act 1997 and the Administration of Justice Act 1970 S.40, which makes it a Criminal Offense for a creditor or a creditor 's agent to make demands ( for money ), which are aimed at causing 'alarm, distress, or humiliation ; because of their frequency or manner. 

Best Regards, by : XXXX : XXXX XXXX grantee, beneficiary All Rights Reserved
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous attempt to notify you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX, XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$300.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX, XXXX XXXX XX/XX/XXXX
Product: Debt collection

This is a complaint from XXXX XXXX against Portfolio Asset Group for Portfolio Asset Group 's failure to provide requested information for the debt alleged. On XXXX XXXX, 2016, consumer, XXXX XXXX, received a demand letter from creditor, Portfolio Asset Group. On XXXX XXXX, 2016, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 
It has been over a month since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received the following email the other day that reminded me that I had an open account with XXXX not that long ago ( much less than 7 years ago ) so why doesn't it show up on my credit reports? XXXX is still blocking my access to my own account ( apparently someone has changed my personal history so much that I can no longer prove who I am ) Anyway, here 's the email ; XXXX XXXX, we disabled your current password for security reasons. 

Hello, XXXX XXXX XXXX Please create a new password At XXXX, safety and security are our top priorities, and we routinely monitor accounts for any suspicious activity. We spotted something unusual, and as a precaution, we disabled your password. Dont worry, your account is fine. You just need to create a new password to continue using your account as usual. 

To create a new password : 1. Go to PayPal.com and click Log In.

2. Click Having trouble logging in?

3. Create a new password thats unique to your account. Make sure it hasnt been used before and is hard to guess. 
Once you've created it, your new password is effective immediately. If you have any questions, please contact us. 

XXXX Help & Contact | Security | Apps XXXX XXXX XXXX XXXX XXXX is committed to preventing fraudulent emails. Emails from XXXX will always contain your full name. Learn to identify phishing Please don't reply to this email. To get in touch with us, click Help & Contact.

Not sure why you received this email? Learn more Copyright 1999-2021 XXXX, XXXX All rights reserved. XXXX is located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 
XXXX XXXX : en_US ( en-US ) XXXX : XXXX So, apparently the account is still open, but I have no way of accessing it, but apparently someone else does. Who is the criminal here? The credit reporting companies? Someone stole my identity and then reported 'incorrect ', info and got my own name off of my own account? I still have an outdated credit card from XXXX, but the other person apparently has possession of the other card. Most importantly is that I receive monthly government assistance which I received via XXXX XXXX, from which I often loose funds from, apparently, due to this very same individual, this person must have another card to my account, an account that I have now, except for the debit card itself, I have been locked out of, and apparently, because of this other individual 's address I am blocked from changing the financial institution that handles my government Social Security funds.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

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

The multiple choice selections did not allow me to provide the proper response. My issue is that a medical debt has existed for over a year, and I never was asked to pay. I did not receive a bill and was not aware of the debt. The debt originated in XX/XX/XXXX, and I was not made aware until I was denied credit on XX/XX/XXXX. I pulled my credit report on XX/XX/XXXX, then called the original creditor today XX/XX/XXXX. They were close on the weekend XXXX XX/XX/XXXX ), and on XXXX day XXXX XX/XX/XXXX XXXX. The problem is that TransUnion has told me that the item must remain on the report for 7 years because it was a valid, and unpaid debt. If I am not mistaken, the fair credit report requires the company to provide a bill. The item was only {$50.00} and would be paid immediately if I knew it existed. The debt was paid today after I called the company to verify the debt was valid.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX {$7400.00} Credit reporting. 

Improper use of credit report, and reporting company used my report improperly.
Product: Credit card or prepaid card

I disputed a a charge on my Citibank MasterCard with Citibank. I was advised by Citibank that the merchant had agreed to tissue credit on my account. They had originally put a temporary credit on my account but then removed it. I contacted them at least 20 or more times via phone, online chat, and written correspondence. I was assured repeatedly that the account would be credited and that any interest accrued would be removed. Citibank never called me back as they stated they would. They never posted the credit and then when I called them again they said they had no record of merchant issuing credit. They contradicted themselves repeatedly. I have numerous print outs that show where they said the account would be credited. This charge needs to be credited. They never followed up with me and assured me all along that the merchant issued credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Payday loan, title loan, personal loan, or advance loan

Lendnation is one of the payday loan it is {$1200.00} but I barrow {$600.00} from them then other company is XXXX XXXX I owe them {$700.00} but I actually barrow {$450.00} and then my bank account is overdraft by {$450.00} because someone stolen my identity and my income is {$910.00} and my rent is {$200.00} and my electric is {$140.00} and my phone is {$140.00} and my internet is {$60.00} I got all this going identity theft and hackers going on and scammers how can I recover from it
Product: Mortgage

This is an ongoing problem with this company. The force placed an insurance policy on my mothers home for 300 % what is a typical rate. My mother who is XXXX was never told it was a forced placement and was misguided. Nonetheless, we accepted and are paying it by certified mail. To avoid this issue this year I personally obtained the insurance policy which has the loan number and company endorsement. We mailed it by certified mail to the company and to the insurance department. My mother has now received a new notification that her home will be taken since they have no documentation or evidence of the policy. We are trying to call. the phones are always busy. We try to fax as they said and the line is always busy. We call the call center and they redirect us to a phone line which is busy. Throughout the whole process my mother is worrying unnecessarily. They will not provide an email of anybody in the company. We have incurred in legal fees without any need since we have payed as stipulated. I even tried to contact through XXXX XXXX XXXX. XXXX XXXX XXXX, Executive Compliance Resolution Analyst at Reverse Mortgage Solutions , Inc. As you can see I am desperate for an answer or confirmation that I have followed everything they have said. This is not a well run professional organization.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two accounts on my credit report that should not be on there, I am been working on these two accounts for months and Equifax has not investigated them or send me any information on these two accounts that they are reporting. Neither of these accounts even include the name of the third party creditors.
Product: Credit reporting

got response from experian that they are unable to honor my request based on the limited amount of information I have provided when I only ask you deleted outdated information from my report.
Product: Credit card or prepaid card

On XX/XX/XXXX, I was charged an annual fee of {$85.00} by Comenity Bank for a BJs club membership on my BJs club credit card. I had previously requested to cancel my BJs club membership as I had moved to a location where there was no store within driving distance. I received my statement in the mail and immediately called to question it. I was told it would be taken care of before the {$85.00} payment was due in early XXXX. It was not resolved by the day before the payment was due, so I paid the fee, not wanting a negative score on my credit report. I called Comenity multiple times to get this matter resolved. They finally issued me a credit, but only for {$55.00}. I asked why it was a partial refund, and no one could give me an answer. I attempted to dispute thru Mastercard, but they could not help as it was a buying club membership fee. I called Comenity again, and spoke with a supervisor who assured me the matter would be taken care of. This was in XXXX. A credit balance was placed on my account on XX/XX/XXXX, but was told the only way it could be released was if I cashed the {$55.00} check they previously sent. I cashed the check, and a week later, received notification that the credit that had been showing on my account was being deleted. I have been trying to deal with Comenity since XXXX. It is now XXXX. Please help me in recovering the additional money ( {$30.00} ) owed to me.
Product: Debt collection

Portfolio Recovery refused to send documentation of original debt : XXXX XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX )