23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had a credit card account with Citibank which went into collection. The collection was assigned to XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) to collect on behalf of Citibank the last XXXX digits of the account are XXXX. The amount of the debt was {$4200.00}. I made monthly payments to XXXX from XX/XX/XXXX in the amount of XXXX until XX/XX/XXXX. The total amount paid to XXXX is XXXX. 
Citibank reassigned to account to XXXXXXXX XXXX to continue with the recovery of the debt. I have paid XXXXXXXX XXXX {$2700.00} at the rate of {$98.00} per month from XX/XX/XXXX until XX/XX/XXXX. The total paid to both collection agencies is {$4200.00}. These funds were sent to Citibank. 

In XX/XX/XXXX I called client services to check on the remaining balance. The told me at the time that the remaining balance was {$1600.00}. They had no records of payments made to XXXX. I was instructed to contact Citibank Resolution Services at XXXX to investigate what happened to the payments made to XXXX. XXXX does not appear to be in business any longer. Citibank has no records of payments made before XX/XX/XXXX. I have been paying on this account since XX/XX/XXXX. 

Citibank has been called several times about this and all they will tell me is that there is a dispute.
Product: Mortgage

I filed a complaint in XX/XX/XXXX Complaint No. XXXX regarding Wells Fargo not allowing me to do a loan modification after they allowed me to do the loan forbearance/deferment during COVID. This is a follow up to that complaint. 

Original Complaint : My ex husband, XXXX and I obtained a mortgage loan with Wells Fargo in XX/XX/XXXX. The mortgage was in XXXX XXXX name alone however I was listed on the deed. In XXXX we did a loan modification due to a financial hardship and it the listed XXXX and I both as borrowers. In XX/XX/XXXX XXXX and I separated and he moved out of the home. I continued making the payments on time. XXXX XXXX, XXXX I log into my Wells Fargo account to make my mortgage payment and something about forbearance immediately popped up. There was no wording about having to do a loan modification if I opted into the program. The information read like they would put payments at the end of the loan. I decided to do it with this understanding. I thought could payoff some other debts during that forbearance period. XX/XX/XXXX the forbearance ended and I had to start making the payments again. Then Wells Fargo called us saying we had to do a loan modification for the forbearance time period even ifwe continued to make the payment after the forbearance. I would have never opted into that program if it had said anything about a loan modification. Then we were told we were not eligible for the loan modification because XXXX no longer lived in the home. We were served with Foreclosure paperwork on Saturday XX/XX/XXXX. They will not allow me to do a loan modification by myself because they say I am not a borrower however the XXXX modification clearly list XXXX and I both as borrowers and we both signed as well and it is filed with the circuit clerks office as such on XX/XX/XXXX. The foreclosure paperwork includes interest, late fees and attorney fees as if Inever did the forbearance ( cares act stated they are not allowed to charge these fees during that time of forbearance ) Please advise. Thank you! XXXX XXXX XXXX. 

After this complaint they said we had to submit paperwork about filing our Quit Claim deed and I would be listed as a successor of the loan and then I could do the loan modification in two steps. The first step ( 1st modification ) being me listed as the successor of the loan then doing the financial loan modification. XXXX and I submitted all required paperwork and now they are denying the loan modification saying I have no income! Please help!
Product: Student loan

Hello- Upon reviewing my credit report attached, I see I 'm still being affected by accounts that have been fully paid over 7 years ago that are obsolete, outdated and too old to be on file. I have paid this accounts in FULL. 

The accounts I discovered that are obsolete, outdated and too old to be on file : TEXAS GUARANTEED STUDENT TEXAS GUAR STUDENT LOAN Please help me delete this account immediately as it is too old to be in my credit file. If for some reason the account is verified, please send me the name of the person who provided the information and the method in which it was investigated. I 'm trying to buy a house and this has completely messed up my finance options.
Product: Payday loan, title loan, or personal loan

I received letters in the mail for credit cards I have never applied for. I have never in my life applied for a credit card. And I think I know who's doing it, because this person is already had several fraudulent cases pending against them. I have no idea how many or even if it's just limited to personal credit. On XX/XX/XXXX by a bank called comenity capital bank
Product: Money transfer, virtual currency, or money service

I being using Remitly international transfer money, but for the last 2 weeks i have problems.My issue now is about a refund of {$150.00} on XXXX XXXX.I tried to speak with the company and its horrible, only thru chat messages and they say they will fix it, I check everyday and nothing happens.At this point I just want my money back security.
Product: Mortgage

My XXXX XXXX XXXX township taxes were due on XXXX/XXXX/2015 according to the tax bill dated XXXX/XXXX/2015. Up to this date the bill has not been paid from my escrow account. On XXXX XXXX I called Ditech and I was advised to send a request via fax with the tax bill to their " tax research '' department. I was advised that within 10 business days I will have a resolution. Nothing has been communicated to me, so on XXXX XXXX I called again where I was told that the tax bill has still not been paid, however they could n't tell me why. I requested for the request to be escalated and I was told that in 3 business days I will have a resolution. I also requested to talk to the supervisor where XXXX assured me that he will personally follow up to ensure that the bill is paid. On XXXX XXXX, XXXX called, telling me that he does n't have an update, and that hopefully by Monday he can give on update. Today, Monday XXXX XXXX, I am being told that payment was fedex-ed to the township on XXXX XXXX. I called my township, where they stated that Ditech requested a tax certification ( which the township provided ) and that the payment was still not received. This is beyond frustrating and no one at the costumer service line can tell me why the payment is not being made.
Product: Credit card

I submitted a complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding an improper charge under COMPLAINT ID : XXXX, submitted on XX/XX/year>, related to a credit card issue with a purchase shown on my statement. 

After conducting a deeper investigation, I have identified the root cause of the error involving my Apple Credit Card ( ACC ) and would like to submit an additional complaint with suggestions on how to resolve it in my case and prevent similar issues in the future. 

On XX/XX/year>, I visited XXXX 's website and browsed through their available products. I decided to purchase one item ; however, due to a software error, an additional 16 items I had merely viewed during this session were added to my order. I discovered this issue via my XXXX app, where I saw that XXXX had charged my ACC for a total of {$1000.00}. At that moment, the transaction balance for my ACC was [ - {$1000.00} ]. 

I contacted XXXX to cancel the order. XXXX promptly canceled and refunded only the 16 additional items, returning {$1000.00} to my ACC on XX/XX/year>. The transaction balance at this point was updated to [ - {$35.00} ], representing the cost of the single item I had intended to purchase. 

I then reached out to ACC customer service to request their assistance in disputing the remaining {$35.00}. Meanwhile, I contacted XXXX again, and they promptly refunded the disputed amount on XX/XX/year>, but mistakenly refunded the entire {$1000.00} instead of just {$35.00}. As a result, the transaction balance for my ACC was now [ + {$1000.00} ]. 

At this point, I considered the dispute resolved. ACC simply needed to return the over-refunded {$1000.00} to XXXX, leaving my account balance at {$0.00}, as it should have been. 

However, on XX/XX/year>, I discovered a new charge in my XXXX app labeled " Balance Adjustment '' for {$1000.00}. It appears that during the dispute closure process ( which officially occurred long after XXXX refunded the amount on XX/XX/year> ), the systemwhether due to a software design flaw or human errorinterpreted XXXX 's refund of {$1000.00} as an expense made by ACC rather than as a correction. Consequently, I was improperly charged for this amount again. 

This issue likely stems from either poor software design, which fails to account for such scenarios, or a human processing error during the dispute resolution process. To address and prevent similar situations, I recommend improving the software design to handle such edge cases and/or conducting additional training for personnel involved in dispute resolution processes.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request 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 Balance : {$100.00}, XXXX XXXX XXXX XXXX Balance XXXX {$0.00}, XXXX XXXX Balance : {$690.00}
Product: Mortgage

My husband and I applied for a construction loan and mortgage with a one time closing from GSF Mortgage to build our home in XXXX. We were given the loan and had our closing in XXXX of XXXX when the home was complete. We chose the option to pay interest on the construction portion of the loan while the home was being built. A year after of being in our home we chose to refinance through another lender because we were dissatisfied with servicing our loan with GSF. Today my husband received an email from XXXX at GSF, that after a audit we still owe {$90.00} in interest. This is after the closing in XXXX of XXXX in which the whole loan ( conventional and construction ) was rolled into one loan AND after we refinanced with another lender ( the lender was given a pay off balance ) during the refinance process. GSF is unprofessional, unorganized company. I
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/block 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I am not reliable for this debt of {$670.00} with Midland Credit Management Account Number : XXXX i never had a contract with this debt collector for any debt. Please provide proof that this debt belongs to me and is legal authority collect or delete account. Account was also sold to a debt collector which means I dont own the debt anymore
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX putt my account in collection status as of XX/XX/XXXX. I did not open an account with XXXX XXXX and nor do they have my consent to report anything on my credit or any public record. 

I had an account with Barclays, which I had to abandon because I had to leave the country to take care of my sick father. I tried to call from XXXX and make payments but my call was rerouted to different departments, with no one being able to collect my payment which was coming from a different country in a different currency. So the account was charged off. After returning back to USA after two years I was contacted by XXXX stating you can start paying and paying Barclays account, without explaining that Barclay has already reported this account as charged off in XXXX and no matter what i do XXXX can not remove that derogatory remark from my credit. 

When I got accustomed to credit reports and what it means and figured out that I am making payment to a company which is not even affiliated with Barclays, I explained the whole situation again to then and asked them for my original contract with Barclays to see where does it say that they can not accept payment from me unless I am in US. To that they said that they can not provide original contract to me. So I refused to make any further payments, as I never opened an account with XXXX and the Barclays account has already been reported as Charge off, so what am I paying for at this point? Based on this conversation they reported my account as collections. 
How can one account be reported negatively twice on the credit report. I do not acknowledge XXXX as the creditor, as I did not open or sell my account to them. I want the amount ( Approximately {$2000.00} ) I have paid till date back from them, as they cheated me with a false information and promise. Moreover they did more harm to my report by never reporting any payments I made till date, but instead reporting my account which has been previously charged off, in collections. How can a charge off account be in collections?
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax I have called them on numerous occasions asking for XXXX XXXX XXXX to be removed from my credit file as this information is incorrect I no longer own this debt it has been satisfied, I started contacting them on XX/XX/2020 up until XX/XX/2020 I have a letter stating that they have sent to them my information to be updated and it has yet to come off this Debt is for {$890.00} from XXXX XXXX XXXX, I have the most issues with Equifax and the reps because there is language barriers that prevent them from assisting me to the fullest each time they open a dispute and comes right back verifying the debt that is inaccurate. 
XXXX I called them starting the same dates as mentioned above and no results. 
XXXX  - I called them and same as mentioned aboved
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was a Charge off account and it was opened in 2015 and I have been reaching out because I am trying to close on my first mortgage, but the lender is telling me that I have to get all the negative stuff off my credit report before we can even close. Please help in getting this potentially negative account off my credit report.

15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ).
Product: Credit reporting or other personal consumer reports

The FCRA thus requires furnishers to report accurate and complete information to CRAs. More specifically, furnishers are prohibited from reporting information relating to a consumer that is known to be inaccurate, or that the furnisher has reasonable cause to believe is inaccurate. Nonetheless, furnishers who clearly and conspicuously provide an address for consumers to give notice of inaccuracies are exempt from this prohibition, unless the consumer has provided notice that information is inaccurate. And while the FCRA does not obligate furnishers to provide an address for the consumer to notify it of inaccuracies in reported data, furnishers who do so can not be held liable for inaccuracies in reported information if the consumer fails to notify the furnisher of the inaccuracies. Furnishers who regularly report information to CRAs about transactions with consumers also have an affirmative duty to notify the agencies of information the furnisher later determines is incomplete or inaccurate. 
YOU SHOW A DIFFERENT LAST PAYMENT AND CLOSING DATE PLEASE REMOVE THIS INACURATE ACCOUNT I AM ATTACHING PROOF POPULAR HAS A DIFFERENT DATE FOR LAST PAYMENT DATE LISTED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CREDIT CARD ENDING IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX PHONE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX request 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 an alleged fraud or extortion. 
XXXX, XXXX, XXXX XXXX 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 Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$2300.00} XXXX XXXX Balance : {$5500.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX : {$960.00} XXXX XXXX XXXX  XXXX Balance : {$190.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX : {$1000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following creditors have violated my rights under: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 an account without my written instructions. 

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

In accordance with the Fair Credit Reporting act 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
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence dated XX/XX/XXXX, regarding the inaccuracies in my personal information appearing on my credit report. It has been weeks since my previous dispute, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. To reiterate, my correct and up-to-date personal information is as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX I previously enclosed supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to substantiate my claims and validate my identity.

Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a prompt and thorough investigation of disputes and correct any inaccurate information within the mandated timeframe. Your delay in addressing this matter raises concerns about compliance with federal law and the integrity of your processes.

I kindly request the following : 1.Immediate removal of the erroneous address from my credit report.

2.An updated credit report reflecting the corrected information.

3.Written confirmation of the actions taken to resolve this dispute. 

XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My paycheck in the amount of {$3800.00} was dispersed to my Bank of America checking account on XX/XX/2021. I was on vacation in XXXX XXXX from XXXX XXXX XX/XX/XXXX. My first attempt to withdraw {$300.00} in XX/XX/XXXX was denied and my card was locked. I called BOA and notified them that I authorized the transaction and that I would be in XXXX until XX/XX/XXXX. After that, I was able to successfully withdraw {$600.00}. When I went back to withdraw more cash ( amounting to {$2300.00} XXXX, all attempts were Denied and a message to contact my bank was displayed. When I checked my bank activity, all the attempts were withdrawn from my account even though they were denied by the ATM. 
By this time it was midnight and technically XX/XX/XXXX and all Bank of America customer service branches were closed so I couldnt get the help I needed. If my partner wasnt there, I would have been stranded in XXXX without any money because Bank of America took the {$2300.00} out of my account plus charged me $ 150+ in overdraft and ATM fees for transactions that were not successful. 
I filed a claim with them which they denied ( even though the ATM transactions showed as denied on their end as well with the money still being taken out wrongfully XXXX, alleging that this didnt occur because a pin wasnt used in the withdrawal attempts which is completely inaccurate. I cant request a uwithdrawal amount without first entering my pin so their review was poorly executed and quite frankly fraudulent. They refuse to refund the {$2300.00} so I will take whatever action necessary to have it resolved that way I can close my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the date of XX/XX/XXXX i sent out a dispute letter for XXXX XXXX XXXX with the amount of {$6800.00}. 

I sent off the XXXX letter to XXXX that there was inaccurate information reported and i would like if they followed The Fair Credit Report and removed the item from my credit report On the date of XX/XX/XXXX XXXX sent out a dispute letter for Fair collections & outscoring for the amount of {$2300.00}. 

I sent out the section XXXX letter to the bureau expressing the inaccurate information that has been reported. i would also like if they removed this item from my credit report.