23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Bought a new home XX/XX/XXXX. Our mortgage was bought by Wells Fargo. First payment was due XX/XX/XXXX. We set up for a autopayment to be mailed from our bank XXXX. They mailed a check for the mortgage amount to a local branch in XXXX  XXXX, XXXX XXXX month later we received a call from Wells Fargo stating they are attempting to collect a debt. It was for missing a payment for XX/XX/XXXX. Did investigating on my end and located that the check was indeed received, however an individual of the XXXX XXXX location endorsed the check and deposited it into a business account. I collected the image and explained to the customer service individual this happened. they created a inquire on my behalf on XXXX XXXX. On XX/XX/XXXX, I went to the XXXX location in XXXX XXXX GA to gather a copy of the check as well as to confirm that the check was deposited. This is due to a call that was received from Wells Fargo. They stated they did not have the check and that we needed to pay. They stated they had no proof that this was deposited and it was our bank ( chase ) was responsible to gather that money back. On XX/XX/XXXX, chase put in a appeal but unfortunately because it was deposited there was no way to gather the money back. we continued to get harassing calls daily from Wells Fargo asking for the money for the mortgage. I continued to send documentation to support that the money is there but in someone else 's account. I ended up reaching out to the business that had our mortgage money in XXXX XXXX the business confirmed they had the money but also wanted to confirm the check was deposited. we send over the documentation to the business. we then received another call on XX/XX/XXXX stating again they were collecting a debt. they still came back mentioning they can not go into someone else 's account without their consent. even though we gave Wells Fargo the business contact to reach out to them. they declined the information. they have threatened to hurt our credit as well as send us to collections. this has been on going monthly and the harassment has been ongoing. they have not helped and do not listen. they close out complaints without actually using the information provided. we are worried our credit will be hurt, we will be sent to collections and possibly lose our home.
Product: Credit reporting or other personal consumer reports

I tried to get these removed from my credit and they never did and they are paid off
Product: Debt collection

I was informed about this debt in XXXX of XXXX. I had just started paying debts off that I definitely knew that I owed and I was then told that I was told that I had another debt owed to we bank that portfolio recovery had taken over. I never knew anything about this debt and I was never aware that I had a card like this. They told me it was for XXXX I never owned a XXXX computer or ever purchased XXXX I only ever owned an XXXX  or a XXXX. So I asked to dispute the charges. Portfolio Recovery told me they would. I never heard back from them. Then in the end of XXXX my employer sent me a letter telling me that my wages were going to be garnished. So I called Portfolio and they told me they could not do anything but dispute it again. So I filed a motion to vacate the garnishment on the bases of mistaken identity/ fraudulent claim. I know wait for an answer from the courts. The case will be heard on Friday XX/XX/XXXX
Product: Mortgage

I filed a complaint against Specialized Loan Servicing, case number XXXX, in which SLS is claiming that I have missed a monthly mortgage specifically on XX/XX/2017 in the amount of {$1300.00}. That was SLS 's response to my case where I was asking why I owe them a month 's mortgage payment plus interest when I know I have never missed a mortgage payment ever. 
I checked my payment history with SLS and it clearly shows that I paid {$1300.00} on XX/XX/XXXX for the monthly mortgage for XX/XX/2017. Then on XX/XX/XXXX I made an early payment for {$1300.00} to SLS for the month of XX/XX/2017. This was where the problem began. Somehow SLS credited this payment somewhere else and not to my XX/XX/2017 mortgage payment. 
SLS can double check my payment history and it will clearly show that I paid twice in the month of XXXX. It was because of my early payment to SLS that this problem occurred. 
With that said, I would like SLS to reconsider and double check my records to verify that I have never missed a monthly mortgage payment. 
Regards, XXXX XXXX XXXX
Product: Credit card

Citibank opened a credit card account without my authorization and I spoke with them multiple times to have it closed. The account was orginally a XXXX XXXX store card and they transferred that balance without my consent to a regular credit card which I did not request or authorize. I paid off the balance and requested the account be closed. I filed a complaint because they opened the account without my authorization and was told by citibank representatives that the account was closed. Apparently they did not close the account like they said they would because I recently received a statement regarding this account via email. FYI the Statement balance was XXXX because this card has never been used and the only balance it has ever had was from when they transferred the store card balance without my consent. I paid off that balance, although the payment ended up being late because the Citibank representative gave me the wrong address to send my check to. They did credit the late fees and interest on the balance. I want to add the only reason I had to send a check at all is because they closed my store credit account without my authorization and I was unable to pay the balance online like I had done in the past. I would like this account to be closed and for Citibank to stop committing these type of credit card scams.
Product: Mortgage

On XX/XX/XXXX a XXXX XXXX dated XX/XX/XXXX was delivered to my current home with multiple errors. These errors include amounts paid by XXXX XXXX including too much with overages ( greater than {$2000.00} ) for insurance, incorrect property location including town, township, XXXX XXXX, incorrect tax assessment amounts, incorrect escrow due, and payments for any town taxes were made to XXXX XXXX XXXX XXXX XXXXXXXX XXXX  which is completely incorrect as my home is located in XXXXXXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX. After speaking to the XXXX XXXX tax collector, XXXX XXXX, no payments were received by said XXXX XXXX, and no documentation of tax receipt or payment were received by XXXX XXXX XXXX collector. In addition, I have contact my home insurance company, and they have only received the correct amount of payment based on my policies, yet, the escrow is completely inaccurate and negative thousands of dollars. I have called XXXX XXXX on XXXX occasions- starting first in XX/XX/XXXX, then starting on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. All calls have been without resolution, XXXX calls to include on XX/XX/XXXX and XX/XX/XXXX were forwarded to voicemails in which do not register with any employee. Not XXXX return call has been received, no return correspondence have been completed by the company, not XXXX issue has been addressed or corrected. Per the escrow analysis received on XX/XX/XXXX the mortgage amount is to increase from the CORRECT {$980.00} per XXXX to {$1400.00} per XXXX due to XXXX XXXX errors on the entire account. Not XXXX associate has connected me with anyone to fix any issues on the account and we are going to lose our home due to not being able to afford this huge increase on the companys behalf based on the companys errors when they incorrectly processed everything. Please help!
Product: Credit reporting or other personal consumer reports

Subject : Request for Investigation and Removal of Inaccurate Charge-Off Information from XXXX Bank Dear Sir/Madam , I am writing to request an investigation into the inaccurate Charge-Off information appearing on my credit report provided by Experian, XXXX and XXXX. This information is incorrect, and I request its immediate removal from my credit file in accordance with the Fair Credit Reporting Act ( FCRA ) and applicable laws. 

Account Information : Account Number : # XXXX Creditor Name : XXXX Basis for Dispute : **Inaccuracy of Information : ** The information reported is incorrect. **Inaccuracy of Information : ** The charge-off information reported is incorrect. Date Opened : Only reported by Experian XX/XX/XXXX, Date reported : Only reported by Experian XX/XX/XXXX, Reported Balance : Only reported by Experian {$1700.00}, Comments : Only reported by Experian ( Unpaid balance reported as a loss by credit grantor ). The inclusion of this erroneous information is causing significant and unjustified harm to my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed twice with Equifax in regards to a line of credit with XXXX in which Equifax claims they have verified this account with the source and updated their balance of {$49000.00}. Now I have a letter directly from XXXX that I submitted to Equifax in which it states a XXXX balance. Even after such proof, Equifax has failed to update the balance on their credit report. I have tried twice with them and it comes back verified. This is a neglect on Equifax part since they disregard the evidence provided to me directly from the source.
Product: Credit card

_________________________________________________________________________________ This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and are a result of fraud that I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All the accounts and collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft as proof from the US Federal Trade Commission that all the consumer credit accounts and collections s are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights .

15 U.S.C 1681Section 602 A. States I have a 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
Product: Checking or savings account

XX/XX/XXXX, I had a jpmorgan account at chase, and I had to pay off a balance of XXXX. Which I paid it off in year of XXXX. So the manager that was filling in for another manager checked and said I paid it in XX/XX/XXXX, and he called and they alouded me to be added on to my moms account. Also when I went in to open the college account a banker said it wo n't let me because there was a balance of XXXX I had to pay again, after I paid it in XX/XX/XXXX.  The banker called the 1-800 number and one of the ladies said, I will be able to open and use an account in my name once I pay that balance again. So then, I opened a college account in my name and had the card they sent me for my moms account linked to my college account. Basically removing myself off my moms account, which they broke their rule of chase, " the owner of the account has to be present when removing another person from the account the two have to sign paper work so that you can be removed '' so my mom is in XXXX  and I 'm in XXXX. After they changed me to my college account a couple days later it said account was suspended. So they took my money twice and canceled my account. I have receipts from when I paid it on XX/XX/XXXX
Product: Checking or savings account

My husband opened an IRA account with Ally Bank several years ago with {$500.00}. My husband passed away in XXXX. In XXXX I requested to have the money from that account given to me. They required paperwork to be filled out. i filled out their paperwork with their help over the phone. After filling out the paperwork and mailing them the death certificate they denied me the money. They said I didnt fill out the paperwork right. So I had to ask for help from my own financial advisor. I filled out the paperwork again. Then had to have a guarantor stamp. I submitted those papers and then they said they never received the death certificate. So I sent that again for the third time. After all of that I was then emailed and said they are denying my request because the paperwork I submitted was old paperwork and they now have new paperwork. How do they miraculously have new paperwork when they sent me what I submitted. So I filled out new paperwork again. i was denied again because they said it didnt suffice and they now have more new paperwork. When they emailed me, there was no new paperwork attached. then when they did send the third set of new paperwork I couldnt print it out because after opening it it was just one giant ALLY logo. As a widow who has been dealing with deep loss, this companies policys are very bad. It is also as if they dont want to give me my husbands money that is rightfully mine. All of this for {$500.00}. I should get some kind of restitution of another {$500.00} for the heartache they have caused trying to get these funds. Its a shame banks dont pay interest to their clients when they mess up. Absolutely ridiculous.
Product: Debt collection

An account was opened on XX/XX/2023 by Credit Collection Servic ( XXXX, MA ) claiming I owe {$150.00} due to past business with XXXX XXXXXXXX XXXX I have never done business with XXXX XXXXXXXX XXXX This account was associated with a Florida address that has never been mine. There is also a variation of my name with a different middle name on my credit report ( I have never gone by this different name ). Credit Collection Services has never contacted me in any form, however upon seeing this fraudulent account on my credit report, I sent a dispute letter to Credit Collection Services and I called them, during which they were not able to find the account. I have disputed this fraudulent account information with all of the credit bureaus.
Product: Credit reporting or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

I am to formally express my concern regarding a recent experience I had with XXXX XXXX. I was under the impression that the services provided to me would be covered by my insurance, as confirmed by XXXX XXXX, who assured me that all bills would be forwarded to my insurance provider. 

However, despite this assurance, my insurance has declined coverage for the services rendered during my extended treatment, which was initiated based on the understanding that I would not be held responsible for these charges. This situation has placed me in a difficult position, as I had relied on the commitment made by your office. 

I would appreciate your prompt attention to this matter and hope we can resolve it amicably. Please advise on how we can proceed to address the discrepancy between the information I received and the subsequent denial from my insurance. 
Then the 3rd Party company responded back with this communication : Hi XXXX XXXX XXXX, We at XXXX are reaching out to you regarding your XXXX XXXX Contract ID : XXXX. 

We have repeatedly requested payments for your overdue contract with XXXX XXXX XXXX 

We might file a lawsuit against you for the above mentioned debt, it is hopeful that a mutually accepted resolution outside of a public filed litigation can be achieved. It is in the best interest of both parties to resolve this matter as soon as possible. 

We are even ready to offer you a settlement deal with a huge discount to further close this contract and moreover we will help to remove all negative reporting from the credit reports for this contract. 

Your total balance remaining on your contract is {$2000.00}, however we are ready to settle this for {$1500.00} However, in the absence of a reply from you, We might be forced to forward this to our legal team to initiate legal proceedings against you to recover this debt and update as refusal to pay to Credit bureaus. 

Looking forward to hearing from you positively as soon as possible! 

Please reply here or contact XXXX XXXX at ( XXXX ) XXXX between XXXX XXXX XXXX XXXX XXXX XXXX 

Thanks and Regards,
Product: Credit reporting, credit repair services, or other personal consumer reports

i need your help in a serious matter involving my credit report. After reviewing my credit, I have realized that you are reporting damaging information to my name. 
Please review the following Account Name : XXXX XXXX Account # : XXXX You are reporting this account as late, delete for inaccurate reporting attached is a letter from XXXX XXXX proving the late payment is inaccurate
Product: Credit card or prepaid card

after   having a Wells Fargo Master Card for over 15 years, I was advised I was being issued a Wells Fargo Visa Card, which followed with several account # 's.
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Each month I would pay the bills but they would not show credited to my original account numbers, and sometimes would be credited to Wells Fargo Card Services.
<P/>  In the meantime they refused to give payment for my reward points, saying I was using my incorrect birthday, my birthday has always been  XXXX .  <P/> I WOULD LIKE TO S  ETTLE THIS MATTER. 1 ) I WOULD LIKE MY BIRTHDAY CORRECTED. 2 ) CANCEL ALL W/F Credit Cards, Visa or Master Cards/written confirmation ), without effecting my excellent credit rating 3 ) I would like to receive credit for all late fees and interest accumulated during this process. Est {$75.00}. 4 ) A check for my rewards earned approx. {$75.00} 5 ) After all of the confussion over these unsolicited credit cards and payments, no balance and a {$1000.00} settlement.
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After all of the years dealing with Wells Fargo, Checking, Mortgages and Credit Cards,   this is very disappointing. I have exchanged a number of letters and proofs, still no resolution. I am almost  XXXX  years old and do not want to be involved any longer with this matter.  <P/> Please Help Me.  XXXX   XXXX   XXXX  (  XXXX  XXXX  XXXX  )  XXXX .  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Washington  XXXX
Product: Credit reporting or other personal consumer reports

Back in XX/XX/2022 I filed bankruptcy and XXXXXXXX XXXX XXXX was included in that bankruptcy. XXXX are still showing my account as being open with XXXX. They need to contact XXXX to let them know my account was closed back in XX/XX/2022 and add a remark to that account on my XXXX report showing the account as closed and no late payments.
Product: Credit reporting or other personal consumer reports

LCI Consumer Center XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Your agency Violated my rights to privacy. The law you are violating is here. The civil liability law under which I will sue is here. 15 U.S. Code 1681 ( a ) ( XXXX ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) Attn : LCI XXXX, ( a ) Accuracy and fairness of credit reporting The XXXX makes the following findings : ( XXXX ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. Failure to Comply or delete these items 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter concerning any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 U.S. Code 1681o Civil liability for negligent noncompliance- ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter concerning any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) any actual damages sustained by the consumer as a result of the failure ; and ( XXXX ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The bankruptcy information in my credit file is a result of the unauthorized use of my social security number and other personal details. These accounts do not relate to anything I authorized or participated in. The Federal Trade Commission ( FTC ) is currently investigating the matter. Additionally, the information on my report does not comply with XXXX XXXX credit reporting standards. I have evidence to support my case. Again, I did not consent to the sharing of my non-public information, and the reporting of these items is neither fair nor equitable to me as a consumer. The following legal provisions outline my rights as a consumer : 15 USC 1681 Section 602 A : Establishes my right to privacy. 15 USC 1681 Section 604 A Section 2 : Prohibits a consumer reporting agency from furnishing an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) : States that no consumer reporting agency may include any adverse information that is outdated. 15 U.S.C. 1681s-2 ( A ) ( 1 ) : Prohibits furnishing information known to be inaccurate.