23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Initially opened a home equity line of credit ( ELC ) with Wachovia which Wells Fargo ( WF ) took over during transition of companies. We always paid greater than the minimum amount due each month on our ELC. XX/XX/2015, WF forwarded, attached ltr, indicating changes to how WF would handle payments on our ELC. Never understood explanation, although, I spoke with a WF rep & it was indicated they had not been applying our interest properly. WF rep offered an unsecured personal loan, but told them I was not interested. Because my ELC was used for many items, my balance was a high one, so I felt WF was being honest with us. Due to how the interest was now being applied, we could only afford to pay only interest and our principal became stagnate since we maxed out the principle. With recent publicity on WF 's questionable practices, could someone please review our attached letter and determine if this was a legitimate and reasonable action WF took on us. Due to us only able to pay interest on our ELC, it forced us to refinance our ELC with another financial institute. If you find this ltr is most appropriate, I will consider your action complete. If you need further information from us, including copies of our original contract with Wachovia, please advise. Your review is greatly appreciated.
Product: Debt collection

I went to my bank and they told me that my account was frozen and gave me the number to NATIONAL JUDGEMENT RECOVERY CENTER A  COLLECTION AGENCY XXXX. 
I called them and they just ignore me and they won't return my call. I don't owe this agency any money and have not had any debt in over 18 years. I WAS NEVER SERVED ANY TYPE OF PAPERS, I WAS NOT CONTACTED. I CALLED THE COURTS AND THEY DON'T HAVE ANY JUDGMENTS ON ME.I don't know why my bank, XXXX would allow them to freeze my account. 
PLEASE HELP ME THIS IS SO WRONG THIS IS A VIOLATION OF THE FAIR DEBT COLLECTION PRACTICE ACT
Product: Credit reporting or other personal consumer reports

I trust this letter reaches you under favorable circumstances. I am writing to express my deep dissatisfaction and concern regarding the numerous attempts I have made to remove fraudulent items from my credit report through Credit Bureaus. Despite my persistent efforts, the fraudulent entries persist, causing significant distress and adversely impacting my financial standing. 

The continued presence of fraudulent items on my credit report is not only inaccurate but also poses a severe threat to my financial well-being. I have attached supporting documentation for each attempt made to rectify this situation, emphasizing the urgency and gravity of the matter. 

I request your immediate attention to the following actions : Conduct a thorough and expedited review of my credit report to identify and remove all fraudulent entries. 

Provide written confirmation once the fraudulent items have been successfully removed. 

Investigate the source of these fraudulent entries to prevent similar incidents in the future. 

I understand the importance of maintaining accurate credit information, and these inaccuracies are adversely affecting my ability to access financial services and secure favorable credit terms. Therefore, I expect a swift and diligent investigation into this matter. 

Failure to address this issue promptly may compel me to escalate the matter to relevant regulatory authorities and consumer protection agencies. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX XXXX XX/XX/2022 XXXX XXXX Balance : {$0.00}.
Product: Checking or savings account

XX/XX/24 I lost all access to my checking and saving accounts for reasons, unknown. I still don't know why and have been told by Alliant credit union representatives that my account is with a consultant.
Product: Mortgage

My Name is XXXX XXXX, I reside at XXXX XXXX XXXX XXXX, CA XXXX, I would like to file a complaint against Select Portfolio Services and the Private Investor for misleading and being unfair. In XXXX of 2021 I agree to a short sale on my property since I was denied for any other assistance to save my home. The short sale was approved to close on XX/XX/2021, ( it never happened ) Select Portfolio Services and the PRIVATE investor demanded at the last minute I give them $ XXXX ( two hundred thousand dollars up front ) if I didnt come up with the money he was canceling the short sale and they did. Select Portfolio Services and the Private Investor have proceeded with Sale for XXXX XXXX,2021 on my home. I dont have that kind of money its crazy, illogical we are all struggling with this pandemic. I have been trying to keep my home so I wont be homeless with my children Select Portfolio Services and the Private Investor have refused to work with me.

The agent handle-ling the short sale was in shocking surprised could not believe this. The agent said in the 30yr of doing real state this has never happened its neither justified nor legal for the Private Investor or the servicer to demand so much money at the last minute of the closing date of short sale when everything had been approved. 
On behalf of my family and me, it is our request you initiate an investigation regarding the alleged improper actions and activities taken by Select Portfolio Services and the Private investor of misleading and being unfair. I believe they are not within the legal guide lines of the consumer protection act. I urge you to apply your regulatory authority in this unlawful act.
Product: Credit card or prepaid card

On XX/XX/XXXX I applied for a credit limit increase with AMEX and was not notified of a decision until I contacted them via phone on XX/XX/XXXX. I was informed by a customer service representative that according to the notes, I had been denied due to XXXX or more of my accounts or loans being in a debt relief program. I told her that was not true because I'd never participated in a debt relief program and I didn't have any loans either. She said they pulled my XXXX credit report and upon purchasing all XXXX credit reports after the call I found out that AMEX never pulled my credit to approve me for the credit limit increase. When asked how that could be I was given the run around for XXXX hours being placed on hold and transferred from supervisor to supervisor still not getting a resolution. I was also told by a supervisor that they were not credit report experts and they were not allowed to give me that info over the phone and he could not further assist me.
Product: Credit reporting or other personal consumer reports

Transunion is refusing to handle my request to investigate accounts on my credit report that appear to be inaccurate and incomplete. I sent a letter to Transunion on XX/XX/year>, asking them to correct or delete each item they can not verify as accurate and complete. I provided all the necessary documents, including my Driver 's license and proof of address, to ensure they could verify my identity and properly handle my dispute. However, this week, I received mail from Transunion stating that my letter does not appear to have been sent directly or authorized by me. I do not understand the basis for this conclusion, especially since I am the one who sent the letter. I feel my rights as a consumer were not respected in this process.
Product: Credit card or prepaid card

DISPUTE_CASE_XXXX. Never Received a response! Absolutely ridiculous. Filed a case with CFPB on XX/XX/XXXX, Incomm responded that " The final resolution will be no later than XXXX XXXX XXXX '', NEVER RECEIVED ANYTHING ABOUT A FINAL RESOLUTION. Absolutely ridiculous, punitive and legal action should be taken against Incomm.
Product: Credit card or prepaid card

Wells Fargo Bank , N.A . Contacted me via USPS asking me to take action to process a credit card application. I never filled out an application for a Wells Fargo credit card, so it appears to be a fishing expedition.
Product: Mortgage

Today, XX/XX/2019 I signed into my Mr. Cooper account to make my monthly payment. I am actually one month ahead on my mortgage payments and should be due for XX/XX/2019. This is due to all of the additional payments that I have sent in since the beginning of the year. 

I have called numerous times and was told that the matter would be corrected. It was briefly updated to show that I was due for the XXXX   payment which I signed in to pay. Now it is showing due for XX/XX/2019 AGAIN. I have technically already paid XXXX, XXXX, XXXX, XXXX, and XXXX. 

I can not afford to pay XXXX  and XXXX  again. I am very upset and do not know what is going on. This is a major error and should be corrected again. 

Please help as I have contacted Mr. Cooper numerous times and no one ever knows what is going on.
Product: Credit reporting, credit repair services, or other personal consumer reports

The tradeline for Synchrony bank shows that the status is included in XXXX  XXXX Bankruptcy, and this is a complete LIE, that i tried to resolve by going through XXXX, and the results of my complaint came back with no change. This status IS NOT POSSIBLE!!!!!!! ..I declared bankruptcy on XX/XX/XXXX, and didnt even OPEN THIS ACCOUNT until XXXX,. The tradeline, in remarks even says for last update is XXXX, WHICH AGAIN IS NOT POSSIBLE, AS I HADNT OPENED THE ACCOUNT YET. This time either you delete the lie you perpetrated, OR WE ARE GOING TO COURT.
Product: Credit reporting

I have not received my disputed results from Transunion since XX/XX/2016
Product: Credit reporting or other personal consumer reports

I dont know whats going on, but inaccurate accounts have suddenly appeared on my credit report. Ive always been careful to check my credit, but today there were errors Ive never seen before. I thought it might just be a browser issue, so I refreshed it, but the mistakes didnt go away. Im begging you to look at the documents Ive sent and resolve this so I can stop feeling so overwhelmed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian failed to investigate my disputes properly just updated failed to have there customer / creditor provide them proof after documentation was sent showing debt was owed Failed to work in my favor to correct the problem Lowered my credit scores to hurt me because I disputed the information
Product: Checking or savings account

I brought a cashiers check to open an account and was told that the funds would be available the next day, so I agreed to open the account, then when I deposited the check I noticed on the receipt that the funds would not be available for another week because I am a new customer. I was not told this before opening the account I was told that the funds would be available the next day otherwise I would have not opened the account because I have another active checking account at another bank. I was misled and deceived.
Product: Credit card or prepaid card

On XX/XX/XXXX, someone used my XXXX XXXX   Visa credit card to make fraudulent purchases at XXXX, XXXX XXXX, Wal-Mart, XXXX . XXXX  XXXX XXXX, XXXX XXXX and XXXX. When this suspicious activity occurred the Credit card company ( Synchrony Bank ) contacted me, I told them the charges were fraudulent so they cancelled the card and sent me a new one.

However after two investigations, the Credit card company said my card was used at these stores and I am still liable for the purchases unless I can come up with new evidence. In my eight year history of owning the card I have never used it except for XXXX XXXX purchases, I also live about thirty miles from where these stores are located and have never shopped there before. 
Despite their " fraud protection policy '', my history with XXXX   XXXX  and them acknowledging these purchases were unusual they refuse to take the charges off my card. I have an XXXX credit score and pay all my credit cards in full each month but Synchrony Bank refuses to take any of this into consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, account numbers : 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late f purpose.
Product: Bank account or service

After researching online for best CD rates - I chose to open an account with E-Loan - an online business. As an online business - account holders are to have 24 hour online access to all accounts. The process was simple enough. However, after opening the account ( for & XXXX ) I was unable to log in using the information credentials that were supposedly on record. I have tried several times ( as soon as 1 day after opening account ) to just get my initial investment of {$25000.00} refunded to the XXXX Bank account from which it was transferred - because an online bank ( CD ) account that can not be readily accessed is unacceptable. E-Loan wants to charge me 2 years interest - even though zero interest had been earned at that time. They also told me that no time frame was available for when they might " fix '' the log-in problem! The account was opened on XXXX/XXXX/15 and I filed a complaint with the XXXX on XXXX/XXXX/15 after not being able to log-in. XXXX complaint number XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The 3 major credit bureaus are only interested in recording negative data. I informed them of court documented Breach of Contract on XXXX XXXX, 2017 for a  toxic property sold to me at XXXX XXXX XXXX XXXX  Arizona with arsenic, and that caused default. I received no response from them except one recent reply from XXXX. The credit bureaus have been tracking me since the age of XXXX. They forget about 40 years that I have played by the rules with consistency in timely payments. At the age of XXXX, and for the 1st time in life, I have no place to call home. I am back to square A again because of the lawlessness of others, and their desire for me to pay for their crimes. That is because the 3 major credit bureaus are seemingly only interested in recording negative data which presents a persons character as they would like for it to be and not as is. They have " scored '' me in a way that does not even allow me to rent a tent. Not because I do have money in the bank and in my pocket. But their record keeping has only continuously caused me a severe waist of time and money. I placed a freeze on the records to protect them from unauthorized abuse, however the abuse and misuse is coming from inside these organizations. I pay the fees to lift the freeze for a set time, and the Professional Corporate time  wasting begins all over again. Even a so called " fair '' credit score is USELESS. So what is their point of existence?
Product: Mortgage

During the pandemic in XXXX I was layoff from work and had trouble paying my mortgage so I got on the forbearance plan in XXXX of XXXX, In XXXX I started a new career and started the process to end my forbearance plan. I completed a mitigation application and followed many step to end it, they said they would give me a loan modification. That would have really helped me get back on track. Instead I had to call them almost on a weekly basis to try and see what was the status. In mid XX/XX/XXXX I received a notice that I was approved for a deferment, which they had not discussed with me. So now my payment was due and was late. Frustrated, but I do not want to lose my home, so I start to make the payments again. I did not understand why they said they would give me a loan modification but instead gave me a deferment which left me with a 4.25 % interest rate loan, which I now can not refinance because I would need to first pay my deferred balance, in addition they say that escrow/taxes behind so my payment is increased by another {$500.00} per month. Now I have paid my XXXX, XXXX and XXXX payments, but it is really too high of a payment and I should be able to refinance and lower my rates but I feel I can not. My new career is not paying much yet and I really need some help. They also reported my deferment to the credit bureaus and my credit score went from exceptional ( XXXX ) to good ( XXXX ). Can you help me to find a way to lower my mortgage payments please?
Product: Credit reporting or other personal consumer reports

An XXXX XXXX XXXX credit card under XXXX with XXXX address and phone number appearing on my credit file as a collections. when I try to call td bank they say they do not have my account and are no longer associated with XXXX however they are reporting it as late every single month when I call XXXX they say I need to call XXXX. I have no one to resolve this with yet XXXX continues to negatively hit my credit every single month. I was recently victim of identity theft as well
Product: Payday loan, title loan, or personal loan

I am in the process of fixing on my credit and there is the company by the name of KOVO stating that they can help you build your credit like a loan but they dont loan you anything they take money from your account. The process is 24 months well I had noticed that my credit wasnt updating I contacted them to close the account and refund me my money. They basically stated that they couldnt the funds they get from their clients is used for covering their operation cost. They will not refund me the money I have paid also they are stated to close the account they will forgive the loan, but they have not giving me a long its my money I want it back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to send letter to transuion to remove unauthorized inquires on my credit report. only inquires should be on my credit is actually credit that is open/accounts.
Product: Debt collection

The medical debts for the amounts of ( {$190.00} and {$38.00} ) they put on my credit on XX/XX/2021 were supposed to be covered by my healthcare insurance. Because when I went to the emergency room the only payment I was asked to pay was the co-pay and I was told by the emergency staff that the insurance will take care of the rest. I've already clarified this matter in multiple occasion that they should review their medical bill coding system, because my healthcare insurance stipulates that I should only be responsible for on the copay. 

I explained that in multiples occasions to these debt collectors they keep putting this on my credit and messing with it. At this point, I'm seeking damage reparation on my credit. Below is their address and phone number : ( XXXX ) XXXX Phoenix Financial Services, LLC XXXX XXXX XXXX XXXX, IN XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to resolved this issue on many occasions with the three credit bureaus about late payments on my XXXX XXXX XXXX credit card to no luck. I have written letters to the company as wee as I was instructed to do.XXXX states that they do not respond to inquires but to send a letter to the three credit bureaus explaining my dilemma and they will remove the late payments considering it was no fault of mines. I was alone told the bureaus will remove which they did on the pay status bit not the pay history of my account. This has ben going on for months and every time I either call the bureaus to inquire I get a different explanation each time. Every time I call XXXX XXXX they tell me the letter of explanation should be sufficient. I would just like to know where it states late payments the status shows {$0.00}, but the pay status shows the late payments .The informed was changed on one column, but not the other
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C 1681 section 602 A - right to privacy 15 U.S.C 1681 Section 604 A - States a consumer reporting agency can not furnish an account without my written Instructions! 

Ive also sent a letter which will be attached! The letter was sent in XX/XX/XXXX and I have not heard anything back! Its been past 30 days
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : Incorrect Name - XXXX XXXX XXXX Incorrect Address - XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Incorrect Address - XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US BKPT CT XXXX XXXX XXXX XXXX XXXX XXXX US BKPT CT XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$3500.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX. XX/XX/XXXX ; XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX. XX/XX/XXXX ; XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX.