23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XXXX of XXXX, my 20 year Wells Fargo ( WF ) Heloc reached maturity. I owed a balloon payment of $ XXXX at the maturity date. I realized in XX/XX/XXXX that I would have a problem paying the entire amount that I owed. So instead of modifying my loan or refinancing the $ XXXX, I asked for and was granted forbearance. I understood the rules of the forbearance ; I would be still be responsible to pay the total debt including any suspended payments. I also understood as stated on page 2 of the forbearance letter I received from WF every quarter of the 12-month suspension If you can make a payment even a partial payment you can do so whenever you like. This will help reduce the amount youll owe at the end of the payment suspension period. My forbearance started in XX/XX/XXXX. I did not make a payment in XXXX and the interest was suspended as per the rules of the forbearance. Going forward, my plan was to make a {$3000.00} payment every month for the remaining 11 months of the forbearance so that the debt would be basically paid in full when the suspension ended in XXXX of XXXX. That is exactly what I have done. I have sent a {$3000.00} ACH payment from XXXX XXXX XXXX  XXXX in XXXX to WF on or around the XXXX of every month. Problem is, WF only applied XX/XX/XXXX and XX/XX/XXXX payments respectively. The rest of the payments ( 9 ) staring with XX/XX/XXXX through XX/XX/XXXX have not been applied towards the balance of my loan as stated in the forbearance plan. WF returned XXXX, XXXX, XXXX & XXXX of XXXX and XXXX, XXXX & XXXX of XXXX payments to me each month in check form. XX/XX/XXXX payment is missing and unaccounted for and of this date XX/XX/XXXX XXXX payment is unaccounted for. I dont get it. I followed the plan as explained to me and WF decided to change the plan without an explanation. 

In addition to the forbearance nonsense, WF has sent me a loan modification application twice, in XXXX of XXXX and again in XXXX of XXXX. Both times, WF has made the claim that my loan is delinquent and that foreclosure is eminent if I did not fill out the application. This account is not now or has ever been delinquent. My understanding is that this action by WF would be the CFPB definition of dual tracking. This is illegal in Illinois.

I have made numerous attempts to contact WF by phone, through email and by letter, but they refuse to answer my questions or complaints. I am supposed to have an assigned case specialist who is never available. I have recorded myself leaving voicemails on both my case mangers voicemail and her managers voicemail, but they both refuse to contact me back.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I was applying for a home loan, and the loan officer noticed a collection on my account. I was required to pay the account. I contacted XXXX XXXX XXXX, and agreed to PAY the Debt in Full if they would remove it from my credit report. Therefore, I paid the debt in full, and received a letter stating that the information would be deleted from the consumer bureau reports. In XX/XX/XXXX, I decided I wanted to refinance my home, and I was told that I needed to increase my score. I decided to request my credit report. I requested my credit report and I saw that XXXX XXXX XXXX collection item was still on my credit report. I contacted XXXX XXXX XXXX  and I was advised to contact and dispute this item with the Credit bureaus. They stated they have already provided me with the letter. I submitted the letter, and the email to all three credit bureaus. XXXX  deleted the item from my credit report, but Experian insists on leaving it on my credit report. I am still waiting on a decision from XXXX, but my issue is with Experian. I have provided Experian with a Pay for Deletion letter from XXXX XXXX XXXX XXXX, and the email that the company sent. Experian states that this item will remain " The information has been verified as accurate ''. They disregarded the letter, as well as the agreement I made with the creditor.
Product: Mortgage

Hello, I am writing this complaint regarding Bank of America and a loan they service where I am trustee. They refuse to provide any information on the mortgage and have sent me a letter regarding default even though I began making payments after my forbearance. 
I am responsible for managing the account as trustee and I have provided all necessary document several times over the past 2.5 years. After several faxes in branch and out of branch along with a typed letter that was mailed to them at their request. I was able to get authorized in the estate department about a year ago, but the customer service in the mortgage department still refuses to speak with me because they are a different department. 

I have provided every document they have requested on multiple occasions and have spoken with several managers at 3 different level. One manager said that they found the documentation, but that it was identified incorrectly in their system and that he didnt have authorly to authorize me, but that he would call me back. This has been the same story I have been told by two other managers since early XXXX. I have jumped through every hoop that they have asked and all I am asking is for them to be fair to me as well. They have all trust information on file, letters sent to them, faxes sent to them and I have not received any correspondence or progress on this. I have been dealing with this for two years. Any guidance and assistance would be greatly appreciated.
Product: Debt collection

I received a letter from the firm XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX  XXXX ) with reference number XXXX stating that I owed {$32.00} in unpaid tolls and fees to the Pennsylvania XXXX XXXX ( XXXX  XXXX ), which was apparently incurred with vehicle license plate XXXX XXXX. This debt was not incurred by me. I DO NOT own a vehicle and have never rented a vehicle, I DO NOT have a driver 's license, and I have never been to the State of XXXX. 
I called this firm at the provided phone number XXXX XXXX XXXX at XXXX ( ET ) on XXXX XX/XX/2023. I initially spoke to a representative who was unable to provide any useful information. I was subsequently transferred to a supervisor. After doing a check on the account, the supervisor said that the debt was incurred by someone with the same first and last name as me but with middle name XXXX and whose previous registered address was in XXXX XXXX, XXXX. My middle name is not XXXX and I have never lived in XXXX XXXX, NY. The supervisor acknowledged that I was not the person who incurred the debt. The supervisor said that the firm attempted to collect debts by matching only First Names and Last Names. She said that she would remove my address from the file in their system as I was not the person they were looking for. I requested a letter from the firm confirming in writing that I did not owe this debt and that the matter was resolved. The supervisor said that she could not do so, as the debt remained outstanding, but that she could only remove my address from the file. This is an unsatisfactory resolution as I do not have any record in writing that the matter has been resolved.
Product: Credit card or prepaid card

BofA VISA CC # XXXX ( Stolen VISA CC Account Ending in XXXX ) My credit card was lost/stolen back when I was visiting XXXX, XXXX, XXXX. It had been used at a Jewelry store XXXX XXXX XXXX  for the amount of {$9300.00}. A police report # XXXX - XXXX has been filed with Office XXXX Badge # XXXX showing that the purchase was not made by me or anyone I know. Bank of America is refusing to reimburse for this fraudulent charge stating : " While you personally didn't make the charge ( s ), we confirmed it was made by an authorized user on the account or someone who has permission to use the card. '' They are not providing me with any documentary evidence on how they have come to this conclusion. Based on what documents from the merchant, police, etc. have they been able to determine that this charge was authorized and not a fraud? 
I have NO authorized user on my account, and I have NOT provided permission to anyone to use this card or have NOT given anyone, my card to use. 
Please either provide me with documentary evidence used to reach this decision in your investigation, or reimburse me for the fraudulent charge. According to law, I must not be held liable for any fraudulent charge reported promptly. I have provided BofA previously a copy of the police report, as well as all the additional documents I could get my hands on to show this charge was not made by me and is NOT authorized. Please assist. 

-XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I receiving email from the 3 credit bureaus saying I'm using 3 party to send out letters. but it was definitely wrong i'm the one who send out letters. Please delete update this account : Pursuant to 15 USC 1666b ( 4 ) ( 5 ) - company failure to provide statement within 21 days is a violation please remove late payment statement shows positive balance instead of negative which is a billing error and therefore no payment was due. 
XXXX XXXX XXXX Account Number : XXXX Please remove late payment status and update account to positive immediately,
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XX/XX/XXXX, I submitted a complaint due to improper use of my credit report by XXXX, XXXX, and Equifax. Today is XXXX XX/XX/XXXX and I have not received anything in regards to the fraudulent items being removed from my credit report. I have requested to receive validation made pursuant to the Fair Debt Collection Practices Act ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation. Please also be aware that the negative marks found on my credit reports ( including XXXX, XXXX, and Equifax ). As a victim of identity theft, the credit bureaus have continued to defame my name, provide negligent enablement of Identity Fraud and violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act. Tracking number from XXXX Equifax XXXX Equifax XXXX XXXX XXXX The credit bureaus stated my accounts were investigated but how is it possible when the open dates are inaccurate, the last active is inaccurate, the date last reported is incorrect. This is grounds for removal as well as my rights being violated under 15 USC 1681 section 602 A : I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : a consumer reporting agency can not furnish an account without my written instructions. As well as taking more than 30 days to respond from my initial request for validation. This identity theft has resulted in loss of funds and lending.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts XXXX XXXX XXXX, XXXX   XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX   XXXX weren't paid late. Under the Fair Credit Reporting Act, unverifiable accounts must be removed. I requested the credit bureaus to make the necessary corrections but I did not get a reply. CFPB please help me out and correct this account
Product: Checking or savings account

After I paid for the food I left no tip because of terrible service. I ended up dropping my wallet and {$60.00} was stolen out of my wallet and then they added a tip to the receipt. The charge is XXXX when my bill was only XXXX XXXX I had to argue with the employees at the restaurant just to get it back after customers saw them take it. The name of this bar is XXXX XXXX at XXXX XXXX XXXX XXXX, PA XXXX and XXXX ( XXXX ) XXXX is the phone number. My only regret is not calling the police but I would like to refunded on the fraudulent charge.
Product: Credit reporting or other personal consumer reports

I bought my first home in XX/XX/XXXX and XXXX  months later sold to XXXX. Less than a year later the whole country was hit with Covid, hard. I had to go into a forbearance status as my work closed temporarily and I eventually caught back up on my payments. All of this was allowed under the Covid Relief Act of XXXX. However, during that year period of catching everything back up I got hit on my credit with every month 60 days past due or 30 days past due and it has completely wrecked my credit when I am a good borrower I just needed help like millions of Americans during that time period. I have been on time with my payments since XX/XX/XXXX. As a consumer, I really need help dealing with this situation as it effects me it a substantial way. Many thanks!
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). I have previously submitted a formal complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report. 

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate information on my credit report. Accounts does note belong to me. FTC violation. 
name ID # XXXX does not belong to me. 
Social security does not belong to me. 
phone XXXX does not belong to me. 
adress ID # XXXX does not belong to me. 
XXXX XXXX XX/XX/XXXX {$2600.00} does not belong to me. 
XXXX XXXX XX/XX/XXXX {$4000.00} does not belong to me. 
XXXX XXXX  XX/XX/XXXX {$1600.00} does not belong to me. 
XXXX XXXX XX/XX/XXXX {$5500.00} does not belong to me. 
XXXX XXXX XX/XX/XXXX {$5000.00} does not belong to me. 
XXXX XXXX XX/XX/XXXX {$640.00} does not belong to me. 
XXXX XXXX XX/XX/XXXX {$3800.00} does not belong to me. 
XXXX XXXX XXXX XX/XX/XXXX {$10000.00} does not belong to me. 
XXXX XXXX XXXX XX/XX/XXXX {$7100.00} does not belong to me. 
XXXX XXXX XX/XX/XXXX {$3200.00} does not belong to me. 
XXXX XXXX XXXX XX/XX/XXXX {$51.00} does not belong to me.
Product: Vehicle loan or lease

I applied for a XXXX XXXX enclave and was told everything was approved. After submitting supporting documents and putting up a {$2900.00} down payment underwriting determined that my annual income was lower than what I provided so they canceled the order and got me to presales to help me find another vehicle for the same amount down. I decided on a XXXX XXXX XXXX and we proceeded, presales then asked for an additional XXXX down ( XXXX ) we booked the appointment, placed the order, did the documents, and about 30 minutes later underwriting called asking for another {$1300.00} to go toward the down payment after confirming everything was correct. At this point, it started to seem like a money grab so I requested a supervisor the supervisor spoke over me and would not even listen to the problem to find a solution. Realizing I was not getting anywhere I decided I didn't want to do business with them and I requested a refund and was assured it would take 5-10 business days. That was on XXXX today is XXXX and according to their advocates, the ticket was not created. When I asked if the ticket was not created on Friday the " advocate '' ended the conversation
Product: Prepaid card

I tried to log into my account but was prompted to call a phone number. No one answer the phone and I can not access account. Have to pay rent by XXXX!!!
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Mortgage

I applied for a Mortgage with JP Morgan Chase Bank. While Applying I was told everything was going normally until a late email on the XX/XX/15 stating there was an issue. Chase gave a somewhat vague description related to the XXXX 's insurance as to why. When I asked for the specific issue, including lines of the insurance, they did not answer. This confused me and my XXXX agent. This late change forced me to switch banks, push back closing, and get a worse interest rate on a Mortgage than Chase had locked me in for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've asked the credit bureaus to update my name, address and it's been over 45 days and they still have not completed this for some reason.
Product: Credit reporting or other personal consumer reports

I do not recognize the credit inquiry from XXXX XXXX XX/XX/XXXX  and I have asked for it to be removed but they did not remove it. I am providing an identity theft report attached and I am requesting for it to be removed because it is inaccurate and not mine.
Product: Credit reporting or other personal consumer reports

I have reached out to transunion, XXXX, & XXXX and told them I have noticed unauthorized hard inquiries on my credit report thats Im not aware of. I have already mail in my letter to all credit bureau and not they saying for me to do a FTC Report. The hard inquiries are from XXXX Im not aware of.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, My name is XXXX XXXX XXXX. I request these items beloved to be immediate investigated and removed if inaccurate as they are not belong to me. According to Fair Credit Report Act, I expect you to complete this verification withins 30 days. 
**Address** XXXX XXXX XXXX  XXXX XXXX, WA XXXX This address is not mine, delete it!! 
**Hard inquiries** _XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Inquiry : XXXX. XXXX, XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Inquiry : XXXX XXXX, XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION _XXXX Inquiry : XXXX XXXX, XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION _XXXX XXXX  Inquiry : XXXX XXXX, XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Inquiry : XXXX XXXX, XXXX Miscellaneous Reptg. Agencies UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Finacial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer -provided evidence to furnisher, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. these failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

Accts # XXXX & XXXX non-permissible, according to regulation F and 15 USC1681e ( b ) and 15 USC 1681s-2 ( A )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : XXXX - XXXXXXXX XXXX XXXXXXXX. 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. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the item 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 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

hi I was part of customers who had accounts opened without me knowing and as a result I got charged close to {$150.00} worth of fees for 2 years and half well my complaint was submitted and wells fargo attempted to settle the matter through the mediation but during mediation process the mediator didn t give me a chance to resolve the problem in my favor but decided to side with wells fargo because they are paying and hired by wells fargo so it was a big set up from the beginning
Product: Debt collection

During the year XXXX, my identity was stolen by a family member who was staying with me during a financial crisis. She stole my identity by stealing my ID, social security card, and other forms of identity. She obtained loans and credit cards in my name. 

I began receiving late notices from Regional Finance in XXXX. I notified the creditor that this was not my loan and that my identity had been stolen. I began asking Regional Finance and XXXX to verify this loan. No one or any documents have ever been received to verify this debt. Even after several letters to XXXX, they just came back with this debt has been verified without any proof. This was reported to the credit bureau in XX/XX/XXXX. Over the years I have written Regional Finance and XXXX stating that this was not my account, please verify. 

In XXXX if filed a claim with Identity Theft.gov and the FTC showing that my identity was stolen in XXXX and that various creditors were still pursuing me for collection. The reference number to the Identity Theft report is XXXX. I submitted a copy of the report to Regional Finance and XXXX in XXXX of XXXX. I also requested a copy of the FTC report reference number XXXX. 

Regional Finance has currently sold this debt to XXXX XXXX XXXX after they have charged off this debt with the IRS. So not only is Regional Finance reporting negatively on my credit report, but now this Charge Off is in collections. Both reporting at the same time for the same debt. I have been trying for years to rectify this and now I am filing a claim. After years of fighting this, my next step is to file suit in court.