23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XXXX, XXXX XXXX my husband did a loan modification on our 30yr fixed mortgage with Wells Fargo XXXX Per the terms of the loan modification, we were to pay {$870.00} at a yearly interest rate of 3 % on the new balance on {$140000.00} under the Note and Security Instrument. Like most Americans during this time, a reduction in mortgage was a relief due to our reduced income from layoffs. We paid this balance for 11 years until we refinanced in XXXX for a better interest rate with a new lender. This is when we became aware that our mortgage with Wells Fargo was changed to a 40+ mortgage, with us still needing to pay 40 more years. After learning that we were also victims of Wells Fargo mortgage fraud, I called all the lawyers and agencies associated with suing Wells Fargo. However, I was told that I was too late to get in on any of the lawsuits. I have just become aware of the latest CFPB action taken against Wells Fargo in XX/XX/XXXX. I contacted Wells Fargo on XX/XX/XXXX, and was told they did not have us listed for any kind of compensation due to XXXX mortgage fraud. I hope someone within your bureau will be able to assist us with this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was received an emailed about my information being in the XXXX data hack so I pulled my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : FXXXX : XXXX... 
U S DEPT OF EDXXXX : [ NO ACCOUNT NUMBER ] U S DEPT OF EDXXXX : XXXX U S DEPT OF EDXXXX : XXXX U S DEPT OF EDXXXX : XXXX U S DEPT OF EDXXXX : XXXX U S DEPT OF EDXXXX : XXXX U S DEPT OF EDXXXX : XXXX U S DEPT OF EDXXXX : XXXX XXXX : XXXX... 
USDOE/XXXX  : XXXX... 
XXXX XXXX : XXXX... 
XXXX XXXX  : XXXXXXXX XXXX XXXX XXXX XXXX XXXX 

I have attached a copy of my ID for identity verification and a bill for address verification.
Product: Checking or savings account

Please refer to the CFPB complaint # XXXX submitted on date XX/XX/2018 -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I have chase premier checking account. When i am trying to withdraw money from it - I am having various issues : 1 ) If i am using quick pay using XXXX - it says email address already exists. Of course it exists as i did the transaction like that 2 weeks back. So what chase want - for every such transaction create a new email address? 2 ) When entering ABA routing # and the a/c # - then it says that this a/c exists with another customer 's profile??? what???? what should i do? There is no way it allows me to take out my own money ... .called the toll free # ... first first line support and then the supervisor ... paethetic customer service who simply wants to verify me first with my Debit card 16 digit # and the PIN ... i offered them other ways to verify them but they were not moving ... so nothing can be done. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- At that time - at least 5 times Chase reached out to me during my work time - 5 times 4 different folks. Every body assured that they are working on this issue but even now this issue is now fixed.

Today i tried to transfer out money from my chase business account to my ally bank account and faced the same issue.

Neither i can transfer using the ACH ( routing # and the account # ) nor using XXXX. 

They said they are merging both the profiles..but nothing happened.
Product: Debt collection

While at work I my name was announced on the company 's PA system loud, that Express Recovery Agent was looking for me and transfer me the call. He identified himself as XXXX XXXX from Express Recovery and he was going to garnish my wages if I did not pay him immediately. He 's tone of voice along with his threatning statement was very blunt and intimidating. I asked for a settlement and he refused and Again made the comment to garnish my pay check and even file a lien on my property.
Product: Debt collection

I started getting phone calls from the listed number to discuss my American Express credit card. I had previously had an American Express card, but the last payment on it was made back in XXXX and therefore, any alleged amounts owed have been time barred by the applicable statute of limitations and is no longer on my credit report. Today on XX/XX/XXXX, I spoke to them on the phone, and they repeated were attempting to get me to revalidate the old alleged debt by giving them a new due date. I told them that I had no idea what they were talking about and asked for them to send me the paperwork with respect to this debt. They then said they can open up a new card for me if I paid off the old debt in full. I again said that I was not going to pay anything until they send me the applicable paperwork. They responded by saying that they can only do that once I confirm a due date for this alleged debt, and repeated tried to get me to state a due date over the phone despite my unwillingness to. I immediately hung up the phone on them. Clearly, Am Ex is now trying to collect old debt that they can no longer legally collect.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report, a payment shows pending for XXXX XXXX XXXX  XXXX. XXXX. 
This loan was applied in error, but repaid within days, much before the due date For some reason it is still showing in my Equifax report and maybe in XXXX report as well which has affected my loan requesting interest rates to go high and bought down my Credit score I have also been affected financially, and have faced a loss of almost XXXX lakhs  in an online fraud investment scheme Request you to rectify it, and I would appreciate a compensation of XXXX lakh  for causing stress and being charged an additional 2 % of the loan, and being rejected by banks to repay the fraud amount. 

I am under serious stress right now, with the anxiety caused due to being rejected by banks, being a victim of fraud, and unable to pay because of low credit score I am also in discussion with the local Police authorities in my area, and in the process of filing an FIR for the same
Product: Debt collection

XXXX XXXX is a company I never had any dealings with. I want this company off of my credit. Every time I dispute they put it on a different credit report.
Product: Credit card or prepaid card

I OPENED UP XXXX XXXX CREDIT CARD BY COMENITY I CHARGED MY XXXX WORTH OF APPLIANCES WAS TOLD THAT I WOULD HAVE FREE INTEREST TILL XX/XX/2020 MY LAST PAYMENT OF XXXX WAS ON XX/XX/XXXX. I NEVER RECEIVED MY LAST BILL THEY CHARGED ME XXXX LATE FEE. I CALLED THEM AND TOLD THEM I NEVER RECEIVED THE XXXX BILL THEY SAID THEY WOULD CREDIT ME. NO ONE EVER TOLD ME THEY WOULD ONLY CREDIT 1/2 I JUST RECEIVED ANOTHER BILL IT SHOULD have BEEN XXXX INSTEAD IT IS XXXX. WHICH IS XXXX THEY ONLY CREDIT ME 1/2 AND THEN THE TOTAL INTEREST OF THE APPLIANCES THAT I PURCHASED IN XXXX OR XX/XX/2020 THEY SAID THEY CAN NOT DO ANYTHING THIS IS HORRIBLE PRACTICE ... TO COLLECT ON THEIR INTEREST I TOLD THEM TO CANCEL MY CARD AND I WILL NOT BE PAYING THE INTEREST.
Product: Credit reporting or other personal consumer reports

I have sent 2 certified written request to Equifax regarding that they remove unauthorized on my credit report regarding XXXX  XXXX Bankruptcy. All the other credit reporting agencies removed this item, but cause all of the information on all 3 bureaus were incorrect. 
My first letter was sent out of XX/XX/XXXX with required evidence stating that the courts did not supply or authorized this information to be put on my credit report. 
On XX/XX/XXXX Equifax in a letter stated it was verified, but yet I submitted the credit report showing that XXXX and XXXX had removed this unauthorized information. 
A second letter on XX/XX/XXXX was sent again request for a reinvestigation with a more current credit report. 
On XX/XX/XXXX I received a letter from Equifax still stating their information has been verified by the Bankruptcy court, when again the Bankruptcy court letter clearly states this is not their normal business practice, not gave them this such authorization
Product: Credit reporting

Experian is showing negative information that is over 7 years old on my credit report for XXXX accounts. These items need to be deleted from my credit report as the are all past the original delinquency date. 
1 ) XXXX Mortgage loan # XXXX is showing late payments starting XX/XX/XXXX through XX/XX/XXXX. 7 year mark ended XX/XX/XXXX and all negative notations should be removed past original delinquency date. 
2 ) XXXX Mortgage loan # XXXX shows late payments from XX/XX/XXXX through XX/XX/XXXX. 7 year mark ends XX/XX/XXXX and all negative notations should be removed. They are past the original delinquency date. 
3 ) XXXX mortgage loan # XXXX shows late payments starting XX/XX/XXXX end ending XX/XX/XXXX, 7 Tear mark ended XX/XX/XXXX and all negative notations should be removed. They are all past the original delinquency date.
Product: Debt collection

Dear XXXX Bank XXXX XXXX XXXX am writing to address an issue with my mortgage account, which is showing an unfair and irregular payment history from XX/XX/XXXX to XX/XX/XXXX, indicating late payments. I do not recall ever being late on this account. I recently spoke with your customer service representative, who was also puzzled as they did not see any record of late payments. 

During the XXXX pandemic, I applied for forbearance due to severe medical emergencies, and I was informed that this would be reflected at the end of the mortgage term. Now, as I am in the process of refinancing my home, my loan XXXX has noted that I have been marked late for nearly 10 months. This discrepancy is unclear to me, as I believe I made all required payments when I received my statements. It is possible that my statements did not reach me, or that payments were not applied promptly. 

Given our positive relationship, I kindly request the removal of the XXXX late payment from my credit report and a refund of any late fees assessed. Additionally, under the provisions of XXXXCBA ( 15 USC 1666b ), FCRA ( 15 USC 1681i ), and FDCPA ( 15 USC 1692g ), I am requesting the immediate deletion of these inaccurate reports. 

I hope we can resolve this matter promptly and continue the positive experience I have had with your institution. Thank you for your assistance. 

Sincerely,
Product: Credit card or prepaid card

I obtained an Amazon Store Card through Synchrony Bank in XX/XX/XXXX. During that time we used the card to purchased high ticketed items during our renovations ( sinks, faucets etc.. ). Recently, we noticed a transaction charge for card security of {$120.00}. I did not know what this was. I called the number on my bill and i was informed that I needed to call the card security service directly. The number was provided on my statement. When i called card security, they were very receptive and explained to me that I have been charged for this service since XX/XX/XXXX. I explained that i was not aware of the service and that I did not sign up for the service. I also asked how this was presented during the application process and if it was represented clearly, i would not have agreed to it. The representative immediately reversed the charges going back to XX/XX/XXXXand it was a little over {$2000.00} credited within a week. She provided me with a case number of XXXX.

I realized that since XX/XX/XXXX i have been paying finance charges to Synchrony Bank for the charges from card security. I contacted Synchrony Bank and explained the situation. I spoke to two representatives who did not understand the over all situation.

Since XX/XX/XXXX, I have been charged financed charges of 27.99 % for this transaction. I explained that this should be reversed. I also explained that I do not challenge the interest rate, but I challenge the finance charged on this transaction that should not have been charged to begin with. 

Operator # XXXX ( XXXX ) could only credit me back 2 months of interest rate charges. I explained to her that i have been charged more. Unfortunately she was not able to calculate the errors nor was she willing to go back and investigate. I clearly explained that their third party vendor made an error and already processed a credit resolution but since they are the creditor, they should be able to go back and investigate the error.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, XXXX, XXXX, I entered into a contract with XXXX, an online car dealer, to purchase a XXXX XXXX XXXX. After discovering numerous negative reviews and a revoked XXXX  rating, I decided to cancel contract on XX/XX/XXXX. I confirmed with sales rep that car was yet to be shipped. I was refunded my {$500.00} deposit, and was assured that lender would be contacted, regarding loan agreement. I received emails confirming cancellation and informing me that car was relisted for sale. 

On XX/XX/XXXX, I received an invoice from Ally Financial, regarding the vehicle that was canceled. Ally states that they never received cancellation notice, and are attempting to collect payment for a vehicle that I do not have. Ally would not access any confirming emails that contract was cancel. Daily calls have been made since XXXX, in the attempt to get XXXX to contact Ally. All customer service reps stated they were unable to help, and would have to transfer me to the " Buy Back '' department. Each transfer resulted in either a dropped call, or a dead end voicemail. Despite leaving numerous voicemails, i have not received any call back from XXXX.
Product: Money transfer, virtual currency, or money service

I am reaching out to express my concerns about consistent delays Ive been experiencing with cryptocurrency unstaking transactions on the platform provided by Coinbase , Inc . 

As a diligent participant in the cryptocurrency market, I rely on the timeliness and reliability of services offered by platforms like Coinbase. However, Ive noticed recurring delays in the processing of my unstaking transactions, which significantly affects my ability to manage my digital assets. 

While I understand that a variety of factors such as network congestion and pre-determined unstaking periods can contribute to these delays, the consistent nature of these setbacks leads me to believe that there may be deeper underlying issues. 

Given the regulatory oversight and consumer protection mandate of your agency, I believe it is crucial to bring this matter to your attention. The growth and integrity of the cryptocurrency market depend largely on the reliability and trustworthiness of these platforms, and consistent delays in transactions can undermine this trust. 

I kindly request your agency to investigate this matter, and, if necessary, engage with Coinbase to ensure the provision of timely and reliable service for all users. 

I look forward to any response or guidance you may be able to provide on this issue, and I appreciate your time and attention to this matter.
Product: Credit reporting or other personal consumer reports

1.JPMCB CARD
Important dates
Inquiry date
XX/XX/XXXX
Removal date
XX/XX/XXXX
Additional details
Business type
Bank Credit Cards
Contact info
Address
XXXX XXXX XXXX XXXX,DEXXXX
Phone number
XXXX XXXX
2.XXXX XXXX XXXX
Important dates
Inquiry date
XX/XX/XXXX
Removal date
XX/XX/XXXX
Additional details
Business type
Auto Financing Companies
Contact info
Address
XXXX XXXX XXXX XXXX XXXX XXXX,TXXXXX
Phone number
XXXX XXXX
3.XXXX XXXX XXXX
Important dates
Inquiry date
XX/XX/XXXX
Removal date
XX/XX/XXXX
Additional details
Business type
Auto Financing Companies
Contact info
Address
XXXX XXXX XXXX XXXX,TXXXXX
Phone number
XXXX XXXX
Product: Credit card or prepaid card

I purchased a graphics card on XX/XX/2021 at XXXX XXXX  on XXXX for {$510.00}. On XX/XX/XXXX, the seller added a tracking number. I checked my XXXX XXXX, and to my surprise, the tracking number said the item arrived on XX/XX/XXXX! 

I did not receive any package the day before, so I decided to do some investigative work. I called UPS and provided the tracking number, and my name and shipping address. The representative on the phone confirmed the package did not arrive to my address, but shared the same city. 

After doing some XXXX, it seems to be a common scamming tactic. The scammer uses a random tracking number that goes to the same city as the buyer. Since the tracking website only provides the city for privacy reasons, automated systems show the package as delivered. 

After frustrating attempts with both XXXX and XXXX to try and get my money back, I finally filed a charge-back with Citi. The representative on the phone assured me that Citi would reach out to collect more evidence from me. 

However, Citi closed my case in the favor of the scammer without ever reaching out to me to get my side of the story.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  IS REPORTING DUPLICATE UNAUTHORIZED HARD INQUIRIES COMMERCE BANK AND XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report I noticed some unauthorized inaccurate discrepancies on my credit report. 15 U.S.C. 1692c ( c ) states if a consumer notifies a debt collection company that the consumer refuses to pay the debt collector the debt collection company must cease all communication. Law 15 U.S.C. 1692cc prohibits debt collectors from communicating with third parties in connection with the collection of any debt. A debt collector may not communicate with a consumer in connection with the collection of any debt ( XXXX ) at any unusual time or place or a time or place known. This is a notification letter to the following debtor. No type of payment will be made on this unlawful debt. I request that the following debtor cease all communication. Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX, i lost my phone and wallet, within a week a see some chargers from XXXX XXXX on my bank account from Wells Fargo, I called my bank and tell them everything that I lost my phone and card, they filed a claim, for {$1400.00} which were all from XXXX XXXX as you can see in the pics, fyi I dont have cash app or use it at all, this claim was made as soon as I found out, they credited me {$1400.00}, past 20 days, {$1100.00} gets taken out of my account, remember my claim was for {$1400.00} I called Wells Fargo and ask them what happened, and they said that the merchant presented proof that I made those payments which I responded what proof? No answer, and then I said if they presented proof you wouldve taken the {$1400.00} all but you didnt and only took {$1100.00} which is already a lot, they lady on the phone just stay quiet and said that they couldnt do anything else, Im really mad and sick, this is not funny I want my money back, because I didnt authorized/make those transactions and it doesnt make sense why they didnt take the whole {$1400.00}.
Product: Student loan

My problem is with a company called ECMC ( Education Credit Management Corporation ) their address is XXXX XXXX XXXX XXXX XXXX. XXXX, MN XXXX. Their phone number is ( XXXX ) XXXX. This company is harassing me they sent my past employer a wage garnishment on XX/XX/XXXX trying to garnish {$6000.00} of federal student loans without a court order and also sent me a statement on XXXX XXXX stating I owe two student federal loans from service lender provider XXXX XXXX XXXX in the amounts of {$3300.00} and {$3000.00}. Ive contacted XXXX on XX/XX/XXXX they said these loans were cancelled and show a XXXX balance. I also requested a statement from XXXX to prove that these loans were cancelled and I do not owe this debt.I contacted Dept of Education several times from XXXX, XXXX and XXXX and explained the story to them which they did not help me at all but they are aware of the situation. ECMC is ILLEGALLY reporting these balances to the XXXX credit agency even after I disputed these transactions twice which I have proof as I kept the dispute reports. At this point this company is taking old student loans that were cancelled or paid off and trying to extort money from people. I've done research on my own and they have been sued several times and there are several complaints filed, websites are XXXX and XXXX. These loans are currently with XXXX XXXX XXXX which I called them today XXXX XXXX explaining everything. At this point I'm not sure what I can do but action needs to be taken. I have a whole file of paperwork from ECMC and XXXX to prove my case. This is a CRIME that needs to be handled innocent people are getting ripped off and the government is doing nothing about.
Product: Mortgage

In XX/XX/XXXX, I requested that Select Portfolio Services, LLC remove the PMI on my mortgage because it was at 80.09 %. Instead, they decreased the ratio -- 14.25 % -- AFTER I requested they drop the PMI. I am paying {$39.00} a month for something I worked hard to get rid of. When I complained, they ignored me and threatened me saying I would have to approve of them getting a estimate or something on my home and would not give me a price on how much that cost to see if they could remove the PMI. The customer service agent said it could cost {$1000.00} to {$1200.00}. When I submitted a complaint, they completely ignored the PMI and sent in a stock letter to CFPD for the numerous complaints I generated. Attached, you will find a screenshot of their customer dashboard in XX/XX/XXXX showing the Ratio was 80.09 % and the other screenshot is of the customer dashboard from yesterday, XX/XX/XXXX showing the ratio is 14.25 % decreased. Why? This is a scam. I also sent them the same letter.
Product: Money transfer, virtual currency, or money service

In XXXXXXXX XXXX XXXX on the XXXX money was sent that I didnt authorize.