23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

while a customer at Wells Fargo Bank. i had a debit card and a credit card and had wanted fraud protection because of fraud i had before from a bank in Montana. and all this happened at least a year or two before Wells Fargo was in the paper for many issues of wrong doings. i would come into the XXXX XXXX branch when i started noticing issues with both my debt card and credit card. i would notice while using my debit card the charge would be on my credit card as well and the other way as well. the people would change my cards out several times but it wouldn't never help or fix the issue ... during the times of changing out my cards they never added back on my fraud protection.after time went by, while going through some physical issues. it wasn't a long time after being charged a lot of fees i was almost at an amount where it was maxed out and there were charges added above the max amount and i told them again this was fraud and they took off the amount that was over and had told me that i need to pay the rest. even though the whole time these cards were getting false charges. and then never got a late payment letter or in any way never got informed of anything. for years my credit was in the XXXX ish amount it wasn't till i was trying to get a XXXX XXXX  XXXX  and when i called up to see why i wasn't approved they keep telling me i was in charge off mode. even though my credit was in the seven hundreds and when i looked up my credit i only would get the two credit company 's and i didn't get XXXX  and then when i looked up my XXXX  credit it said charge off and hit me with a low score. know i didnt know how to fix this or who to talk to. until now. because of how all this was dealt with and handled i'm writing this complaint
Product: Credit reporting or other personal consumer reports

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after XXXX  days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within XXXX days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Product: Mortgage

On XX/XX/XXXX an appraisal was done on my home in XXXX, WY to assess the current value to release the mortgage insurance. The value came back less than the purchase price in XXXX, from the same appraiser, in a market that had increased considerably, year over year in market value. I submitted a detailed dispute on XX/XX/XXXX, the appraiser used comps that were not comparable, and I detailed why in my dispute, with historical data, and if she were to be allowed to use those comps, then other adjustments needed to be made for age and location. The adjustments she was using were pushing over 30 % or more which already signaled they were not true comps. This is a very small town and I heard first hand accounts in which this particular appraiser was known for appraising the purchase transactions to just work but appraise refinance transactions very low for second homes. I will also be filing a complaint with the state of WY in which she is licensed. UWM did not respond to the dispute until XX/XX/XXXX, which seemed an excessive amount of time based on the appraiser 's revisions. I have included the original appraisal, my dispute, her revised appraisal with no change to value, my response in which I tell UWM I will report them to the CFPB, and then a second revised appraisal in which they suddenly made her change her adjustments to marginally increase the value. I don't believe UWM advocated appropriately for this appraisal since it's not in their best interest for me to get out of my MI, but this is supposed to be fair lending, and this appraisal was egregious. I have emails with dates, and all supporting documentation. I am unable to upload the appraisals as the files are too big, but the emails have the information of value, and the appraiser 's response
Product: Credit card or prepaid card

I have the amex platinum card which should provide XXXX  cash monthly. However, I haven't got it ( or can not use it ) since XX/XX/2019. I ended up paying XXXX out of my pocket. 
I contacted AMEX twice and the problems are not resolved yet.
Product: Credit card

I have had a Chase XXXX Credit card that is currently closed but I am still paying the balance. I set up automatic payments but for some reason they have ceased and now they are charging me late fee after late fee and probably are reporting the account delinquent causing serious damage to my credit score. I have not received any statements from them for this account either. When I was made aware of the situation I attempted to make payment on the account online only to be told that they are unable to process the transaction and to please try later. I have worked hard to build my credit back up only to have it in jeopardy because of this Chase account. I have been a loyal customer for many years and I am extremely disappointed.
Product: Mortgage

PHH Mortgage is subpar when it comes to making payments on a mortgage. The back office people take forever to pull up account after being on gold for XXXX minutes. When I thought I was enrolled in a XX/XX/XXXXprogram they tell me I'm not and need to make a payment. I make said payment and then have funds drawn out. So XXXX payments have been made and now my bank account that pays semi-monthly is overdrawn getting fees- all because of this sub-par communication from sub-par company.
Product: Debt collection

Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated
Product: Debt collection

I am filing a complaint against XXXX XXXX and Progressive Management Systems regarding a billing issue. 

I visited the XXXX XXXX XXXX in Arizona on three separate occasions this year and subsequently received a bill from XXXX XXXX. On XX/XX/year>, after I finished moving to a different city, I gathered my older mail and found a bill from XXXX XXXX with a statement date of XX/XX/year>. The statement indicated that I needed to pay {$360.00} within 30 days, giving me until XX/XX/year>, to make the payment. 

When I accessed their payment portal ( after several failed attempts to log in using the information provided on their statement, I was finally able to access the bill via the QR code ), which stated that I owed {$91.00}, not {$360.00}. I paid the {$91.00} online, and then the next page on their website stated I had no other balance due. 

A few weeks later, I received two collections letters forwarded to my new address from Progressive Management Systems, dated XX/XX/year>, indicating that I owe a total of {$270.00} ( XXXX + {$130.00} ) for the same XXXX XXXX visits. I am confused and concerned because the original XXXX XXXX statement clearly provided a 30-day deadline from XX/XX/year>, to pay in full, yet it appears they had already transferred my debt to Progressive Management Systems prior to that date, misleading me with incorrect information.
Product: Checking or savings account

On XX/XX/2023 I placed letters paying 2 credit card bills into the United States Postal Service mailbox. My letters which included checks were both stolen and never arrived to the destinations. One check that I sent ( USPS ) to XXXX card services was cashed by the perpetrator and used to extract {$6800.00} from my account at Old National Bank on XX/XX/XXXX, XXXX.I went to the bank and reported the theft, filled an affidavit and I also filed a police report with thXXXX XXXX XXXX XXXX XXXX Illinois Police department . Today is XX/XX/XXXX, and I have yet to receive any reimbursement of the money taken from my account.
Product: Checking or savings account

I have a big problem with chase bank I opened a college checking account with them and it 's been years since the problem has been fixed I 'm a victim of identity theft and my information was stolen and fraud happened to me there where checks and money taken off of my account and I reported everything and tried to resolve everything so my account could be fixed but was told that I had to just pay the money I disputed it and it was denied I just recently found out it was denied because they said I had my card when fraud happened which is not true it 's been so long so I ca n't file a police report and they wo n't pull up any cameras from where the money was taken off at to prove it was n't me and at the time there was a gas purchase I did n't even own a vechile at that time so how would I be the one who did the transactions I complained and spoke to a lot of people and honestly it 's been a waste of time I 'm in the process in filing a dispute with a outside consumer agency chase bank gave me the worst experience in a lifetime
Product: Debt collection

I had a vehicle repossessed by XXXX XXXX. The account number was XXXX. The remaining balance was {$71.00}. In XXXX XXXX XXXX reported that balance to the three credit bureaus. But when I attempted to pay it XXXX month later, they wanted {$510.00}. It is obvious someone thought that collecting only {$71.00} wasn't very much..so they jacked it up XXXX percent because they had me on the hook with this small balance showing an open collection. 

The Fair Debt Collection Practices Act. Section 808 ( Unfair Practices ) ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. 

This is a VIOLATION OF FEDERAL LAW
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed errors on my credit report with XXXX XXXX, XXXX and Experian several times. 
I have been disputing bankruptcy 's reporting on my credit report. They keep verifying them as accurate but will not provide the information on how they verified it was accurate. I have been in contact with XXXX XXXX and the bankruptcy court. They have reported to me that they have not verified these with the credit bureaus.
Product: Credit reporting or other personal consumer reports

Under FCRA 605B guidelines, we are obligated to expunge any incorrect accounts from my credit report. Could you take a moment to review the documents? Several listed accounts are inaccurately reported.
Product: Credit reporting

I am disputing the accuracy on the status of my item. It is showing as late where in fact I paid my bill on time and it should show as 'current. ' There was never any late payments prior either. I am requesting that the CRA adjust my payment status to 'current. '
Product: Bank account or service

For several months I received an Email monthly stating that my Bill Pay account at Wells Fargo Bank.had been debited. I have no accounts of any kind with any Wells Fargo branch. Could this have been one of the fake accounts recently discoevred? Copy of one of the Email follows. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- From : XXXXXXXXXXXX To : XXXXXXXXXXXX Sent : XX/XX/2016 XXXX Eastern Daylight Time Subj : Wells Fargo Bill Pay : Payment ( s ) Sent Wells Fargo wellsfargo.com Bill Pay payment was sent We have sent the following Bill Pay payment ( s ) : Payee Name ( Nickname ) Amount Sent Date Sent Delivery Date WELLS FARGO FINANCIAL NATIONAL B {$200.00} XXXX/XXXX/2016 XXXX/XXXX/2016 Please note : We have debited your Bill Pay payment account ( s ) for the above payment amount ( s ). It may take up to three business days for payments sent electronically to be posted to your payee account. It may take up to five business days for payments sent by check to be delivered to your payee. 
If you have questions, we are available 24 hours a day, 7 days a week. Call Wells Fargo Online Customer Service at XXXX or sign on to send a secure email. 
To unsubscribe from this notification, please sign on to Bill Pay. 
wellsfargo.com | Fraud Information Center Please do not reply to this automated email. Sign on to send a secure email.
Product: Checking or savings account

Navy federal allowing payments to go through tp collect overdraft fees, them not taking out payments for charges immediately/ posting them to account in turn allowing more over draft or return fees to be charged. I have banked with them since 2014 when I started XXXX XXXX XXXX, currently still serving and have an account with Navy federal.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that XXXX XXXX is reporting on my credit report regarding the account referenced under account number. Specifically, the year the account was opened is being reported incorrectly. 

Upon reviewing my credit report, I noticed that the account is listed as opened on XX/XX/year>. However, based on my date of birth, wasn't even born when this account was opened. This discrepancy is negatively impacting my credit report and overall credit standing. 

Under the Fair Credit Reporting Act ( FCRA ), Credit Acceptance is required to ensure that all information furnished to credit reporting agencies is accurate and up-to-date. This incorrect reporting violates those requirements.
Product: Checking or savings account

Regarding incident XXXX Citi did mail a check to me via XXXX in the amount of {$120.00}. I tried to deposit the check into my bank account and the deposit was rejected. Citibank provided me with a bad check! I did attach the email provided by my bank showing reason for check rejection.
Product: Mortgage

Re : Selene Finance For over a year on numerous occasions we have requested our payment History and documents from Selene Finance. All promises have been broken and hours on hold to speak with a rep. NO REPLY or help of any kind!! 

Sent in a payment of {$30000.00} on XX/XX/2022, for principal only and do not see this as being applied. 

When I go on our online account you are unable to request this information also.
Product: Vehicle loan or lease

I am a Massachusetts Resident. The MA Attorney General Has Sued Credit Acceptance Corp, which informed me that the loan company is current committing a criminal act by charging a MA residency over XXXX XXXX for an auto. This is XXXX XXXX. I have reached out to XXXX  on XX/XX/2022 to submit a payoff payment to end this illegal contract with Registered mail Number RE XXXX XXXX XXXX XXXX, XXXX, no response, I sent another letter to them on XX/XX/2022 Certified mail : XXXX XXXX XXXX XXXX XXXX incase there were some type of error. Again, no response, I used a Notary as a witness to the transaction and sent the final letter on XX/XX/2022. Again no response. This corporation is Boldly Violating a multitude of laws that was developed to prevent this very situation right here. Credit Acceptance is not following the Truth and Lending Act, they are not follow Generally Acceptance Accounting Principles, and they have violated Massachusetts General Laws : XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, and XXXX XXXX XXXX XXXX. 

I have also reach out to XXXX XXXX XXXX the Chief Legal Officer on XX/XX/2022,
Product: Student loan

I applied for the save plan, was put in administrative forbearance because they had delayed processing. My monthly payment was wrong two times, and therefore due to their processing times and incorrect payment amount I was in forbearance form XXXX to XXXX. They are now telling me these months wont count for PSLF, but I was in forbearance due to their errors.

I asked for this in writing that these months wont count, they stated it will be 90 days.

I am reporting because these months should count due to their errors and correspondence time. Also, my payment on save is {$0.00} due to my income and I would not have to had pay anything for those months anyway.
Product: Credit reporting or other personal consumer reports

I have a company called IQ Data that is claiming that I owe money to a rental property in Georgia, I was notified of this in XXXX and reached out requesting validation of the debt and have not received any information, no calls, no letters, the debt was removed in XXXX and in XXXX was back on my report and I cant get anyone on the line that can verify my debt. Last time I spoke to someone I was threaten to make a payment or face legal action, this is causing many issues trying to rent an apartment and the biggest problem is that I have letters from this apartment complex indicating that I dont owe any debts to them so I am very confused.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has viloated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Why are they billing me XXXX when I already paid off the promotion on XX/XX/XXXX? 

I paid over {$400.00} for XXXX and only needed to pay XXXX why have they not adjusted my monthly payment as promised my monthly amount should be XXXX not XXXX as I already paid off a promotion.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX RE : Collection Removal Request Dear XXXX Representative, I am writing to formally dispute and demand the removal of a collection from my consumer report which has been reported as public information, in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

I have recently reviewed my credit report and identified the following collection account : * Creditor : XXXX XXXX XXXX * Account Number : XXXX * Reported Balance : XXXX * Date of First Delinquency : XX/XX/XXXX The FDCPA states that non-public personal information can not be disclosed without the consumer 's consent. The information listed above is private and should not have been included in my credit report as public information. Therefore, reporting this collection is a direct violation of the FDCPA, and it should be removed immediately. 

I am hereby requesting that XXXX : 1. Remove the aforementioned collection account from my credit report. 
2. Conduct a thorough investigation of the reporting of this collection.

3. Provide written confirmation of the removal of this collection.

Please be aware of the legal consequences that may arise from not fulfilling this request. Failure to comply with the terms of the FDCPA is subject to monetary damages under 15 U.S.C. 1692k.

I expect a prompt resolution for this serious matter. Please remove this collection from my consumer report and send me written confirmation within 30 days.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

This {$640.00}. amount in collections from a past rental lease in 2015 was never owed. 
I lost my job in XXXX. The lease, when terminated, was current. The apartment complex kept the full security deposit. When vacating the apartment, the manager said I was paid in full. The check-out form was signed by myself and the apartment manger. This form was kept by the apartment complex. I have asked RentDebt for a copy of the final form and they have refused to comply with my request. 
The debt is not and was never owed. 
This collection amount should be removed immediately from my credit report.
Product: Credit reporting

i have made payments accurately and is in good stander but still is reporting poorly on my report bring my credit score down and keeping me from getting qualified for home loan. XXXX XXXX XXXX is filing claim
Product: Credit reporting, credit repair services, or other personal consumer reports

1. The following personal information is incorrect Also Known As : XXXX XXXX XXXX Also Known As : XXXX XXXX Also Known As : XXXX XXXX Also Known As : XXXX XXXX 2. The following personal information is incorrect Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2015 XXXX XXXX XXXX XXXX, GA XXXX 3. The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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

I AM A VICTIM OF IDENTY THEFT. SOMEONE STOLE MY INFORMATION. PLEASE INVESTIGATE THESE FRAUDULENT ACCOUNTS AND REMOVE THEM FROM MY CREDIT REPORT.
Product: Student loan

I reached out to Aidvantage to see if I qualified for any loan forgiveness program. Instead they changed my monthly payments to 4x what I was paying and I was never in deference due to Covid. They have now frozen my account so I cant resume my monthly payments. I want to pay 350-400 month. I was paying XXXX monthly for years without missing payments. Theyve changed my payment structure 4x already and every time I call customer service they quote me one monthly amount then change it to something 2-3x more than my original payment plan that they moved me off of without my consent. The promise for loan forgiveness is deceptive in that they try to make you change your payments and use forgiveness as a lure.