23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

During the period Wells Fargo Mortgage was being investigated by Consumer Financial Protection Bureau ( CFPB ) The Office of the Comptroller of the Currency ( OCC ) and the office of California Attorney General resulting in levying heavy fines on XX/XX/XXXX against Wells Fargo Mortgage in excess of {$2.00} XXXX for fraudulent activities perpetrated against hardworking mortgage holders. Wells Fargo Mortgage XXXX XXXX Senior VP of Lending and her Executive Resolution Managers devised a scam to changed customers mortgage accounts numbers prior transferring or selling their questionable Mortgage Loans to XXXX XXXX. 
In our case our original Mortgage Loan account number XXXX was change to XXXX for the purpose of hiding prior payments made to the original account. 
To date we have paid a total of {$200000.00} to Wells Fargo Mortgage via Chapter XXXX plan, which the bank have refused to properly credit the accounts by falsely showing total amount paid is {$79000.00} to account new number XXXX while declining to apply or credit monies paid under the old account number. Therefore triggering a direct violation of 18 US Sec.152 & 3571 making a false and inconsistent statements to the Chapter XXXX Bankruptcy Court via a Notice of Transfer of Claim with the Chapter XXXX Court on XX/XX/XXXX in amount of {$690000.00} via Transferee/Transferees Agent XXXX XXXX , XXXX XXXX XXXX , XXXX. And individual located out-side of the United States in the Country of XXXX. 
More disturbing, we are noticing Wells Fargo Mortgage is back at its old game of promulgating our Loan case file to different individuals with zero knowledge of the actual circumstance, each time we respond or provided additional information. For example, on XX/XX/XXXX we wrote to Wells Fargo Mortgage Executive Resolution Specialist Ms. XXXX XXXX DEMANDING for Wells Fargo Mortgage to resolve this long-standing fraudulent matter immediately by correcting the numerous false and inconsistent statements made in writing to the Chapter XXXX Bankruptcy Court and trustee. 

Additionally, Wells Fargo Mortgage continues to demonstrate bad faith in direct violation of U.S. Department of the Treasurys Guidance on Homeowner Single Point of Contact ( SPOC ) by re-assigning our loan-case file and each complaint letter to new employees with limited familiarity to the fundamental cause of the fraud which triggered the Notice of Foreclosure subsequently forcing us to file Chapter XXXX with the Bankruptcy court to protect the property. 
In summary, the same fraudulent activity perperatered on us in XX/XX/XXXX by Wells Fargo Mortgage in Loan Modification Bait & Switch which the bank have refused to acknowledge and rectified has now mushroom into additional fraud by all parties.
Product: Credit reporting, credit repair services, or other personal consumer reports

" I am a victim of identity theft. Due to the XXXX XXXX XXXX, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, I received a letter from Bank of America and noticed charges for transactions that I did not authorize. I did not have my card in my possession and did not permit anyone else to use it. The last time I had my card was in XX/XX/XXXX, and I suspect it was stolen in XX/XX/XXXX. My card was used for multiple fraudulent charges since XX/XX/XXXX, totaling {$430.00}. After my account was closed, I was not provided with bank statements, leaving me unable to properly address the issue. Despite filing disputes with Bank of America, XXXX, XXXX, and XXXX several times, none of them resolved the issue or corrected my credit report. I am a victim of both fraud and identity theft, as well as the negligent handling of my case by Bank of America, XXXX, XXXX, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to the Credit Bureaus to remove the inaccurate information that is found on my report. But still that inaccurate information is constantly reported on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INCORRECT INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received a bill statement in the amount of {$610.00} that is not my debt. I do not owe any money and have never heard of your company. I take my credit serious and do not appreciate your company placing inaccurate information on my report. A bill statement is not validation and the signature is not my signature. Unless you can provide me a legal document with my signature stating I agreed to this debt I demand you remove this information from my credit report immediately. If I do not receive a letter from your company within 15 days confirming this has been closed in your office and you notified the credit bureau 's to delete this information I will file a complaint with XXXX and all needed to resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. No consent is fraud. Please see these accounts are removed from my account. They are fraudulent & are impacting my ability to gain credit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

About a month ago we got a bill from Discover for XXXX which included XXXX in their fees and XXXX interest charges. We havent had a Discover card for many YEARS and this is the first bill we have received in YEARS? We are retired and figure they are trying to scam us. They want a total of XXXX dollars. We got a letter from someone claiming to be a collection agency. They say we now owe XXXX dollars a month later. We would have no problem paying this money but Im betting its a scam. They want a call or a letter. I am worried about contacting them in any way for fear they will figure out how to tap into one of our accounts. The debt company said they were XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX. WE HAVE NOT USED A DISCOVER CARD IN MANY YEARS AND WE JUST NOW GET OUR FIRST BILL??? I smell a rat and hope you can help. Please let me know as my next step is to contact my lawyer and he will likely end up a lot more expensive than just paying these probable crooks. But this kind of XXXX needs to be fought to protect the XXXX in this country.
Product: Credit reporting or other personal consumer reports

I have been working hard to clean up my credit report after discovering that I was a victim of identity theft. I have provided all the information requested by the credit bureaus to include FTC report, police report, and Government ID for them to block/remove the fraudulent account from my credit. I have asked all three credit bureaus for more information on why they have not blocked XXXX XXXX XXXX Credit Card from my account. None of the companies have been able to help me or assist me. 

They state that XXXX XXXX XXXX  XXXX Credit Card verified the account as accurate, but I do not understand how they could have done that. I have also gotten zero help from XXXX XXXX XXXX  and they have not been able to provide me with any information even after I have sent them letter disputing account.
Product: Debt collection

I disputed this account as inaccurate information and no respond to provide proper documentation.
Product: Mortgage

The website shows reates as low as 4.125 %. I have near perfect credit ( lowest score XXXX ) have 20 % down ( documented funds for more ), yet the offer came in at 5.375 %. 

I asked why and was told they would rate match, yet they came back with the same rate even though another company offered 4.5 %. 

I have asked for an explanantion as to why they would offer such a high rate
Product: Payday loan, title loan, or personal loan

In XXXX, Best Egg offered me an opportunity to apply for a loan at a lower rate that would allow me to consolidate two personal loans that I currently have with XXXX XXXX. The total amount financed on XX/XX/XXXX was {$46000.00} ; they agreed to direct pay my loans with XXXX XXXX and direct deposited the balance of {$2600.00} into my personal checking account. 
On XX/XX/XXXX, I was notified by XXXX XXXX that they had received paper checks with my account number on them but they claimed that there was no name included so they would need some information ( loan number, issuing bank & check number ) from me before they would apply the funds to my accounts. ( emails in documents ) I was concerned about the amount that they claimed they received for the larger loan because it was {$2000.00} less than Best Egg said they had paid. I contacted Best Egg to get the information but was told that they would have to research it and get back to me. When I heard back from Best Egg some time later and provided the information to XXXX XXXX, I was told that the holding period had passed and they had returned the funds to Best Egg. I again called Best Egg to explain and was told that the checks had been cashed so as far as they were concerned, the money had been paid and there was nothing they could do to help me. 
I then went back to XXXX XXXX several times to ask for proof that they had returned the funds but they were either unable or unwilling to provide me with any information. As it stands, I have no idea where the money is but both companies are charging me monthly payments. I have spoken to dozens of agents but have not been able to get this resolved. Best Egg has not honored their agreement to pay my loans but they are continuing to withdraw money from my account. I will also be duplicating this complaint against XXXX XXXX because they admittedly cashed the checks but have not credited my accounts. 
This has put a significant strain on my monthly finances and had a serious negative effect on my credit score. I have used savings to meet my obligations but will not be able to continue to make double payments. I need help to get this resolved because I feel like both companies have turned a deaf ear to the situation.
Product: Prepaid card

On XX/XX/year> I reported my NetSpend XXXX card stolen because my wallet had been stolen at the waterpark, they sent me a new card but I also sent the a written dispute letter with XXXX business days. While waiting they closed my account so when I went to activate my new card they said I was banned from NetSpend and there was money still left in my account and the total stolen is {$3800.00} and now they locked my account to where I can't see all merchants or anything won't activate my new card they sent Everytime I have called I get hung up on and I emailed them my police report along with all documents needed the next day and it's almost been 2 months and I still haven't received anything
Product: Credit card

The company send me a credit card that I haven't applied I call the company asking for answers about it and why I have to pay for a bill if I never applied for any credit card. I call many times the company this week and no one answers my call. The company give me a credit card of the amount of US {$700.00}. The company sent me a email on XX/XX/2024 of the amount of US {$170.00} to pay on XXXX XXXX. 
This situation is very frustrating.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint to inform you that the account listed below is reporting erroneously & is inaccurate. The furnisher is reporting this account inaccurately. They informed me they had an internal issue & posted me included in bankruptcy. Please investigate this account & please update the account to a positive status of open/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof XXXXXXXX XXXX XXXX XXXX
Product: Mortgage

I began my mortgage shopping on XX/XX/XXXX. 

on XX/XX/XXXX i spoke with XXXX XXXX with Sammamish Mortgage I asked him to pull my credit to see if i qualify. XXXX refused, said he could do it the following day. I told him i didn't want to do it after today because i will be leaving the 14 day window for shopping. Outside of 14 days, if he pulls my credit it will have a hard ( negative ) impact on my vantage score. XXXX told me i have 45 days, but he is not aware that the 45 day window is only for XXXX, not XXXX. If i took steves advice, i would have a second hard incquiry on my XXXX XXXX which will affect my credit worthiness. 

It's important to properly educate customers that the 14 day shopping window is only for XXXX and the 45 day window is for XXXX. This can be indicator of XXXX, misleading the customer to get them to purchase a product.
Product: Student loan

I made a payment to EdFinancial on XXXX {$1000.00} on one of my loans when I saw they were compounding interest daily and I was still attending school with no job during a pandemic. 

I found out that I can request a refund on the loan and I am suffering a financial hardship and need a refund of that payment. 

I called in to EdFinancial on XX/XX/XXXX and requested a refund of this payment via postal service since the account I made the payment with is no longer active for a direct refund. 

I also chatted with their service to follow up a week later. I uploaded a formal letter to them on XX/XX/XXXX outlining my request for the 3rd time. 

To this date I have no confirmation that they acknowledge my request and have been ignored with no notation of refund requisition on my account. 

Please help me with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I saw my credit report, I notice that there are some inaccuracy on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last XX/XX/2021, I sent letters to these credit reporting services to dispute inaccurate items on my credit report. They have been continuously reporting these items that are unknown to me for a while now and if I hadn't checked my personal credit profile two months ago before applying for a personal loan, I wouldn't have known about these derogatory items in my profile that are catastrophic to my credit score. 

It has been over 60 days since I sent them my dispute letters, and I have not received a single response from either one of them. I was already upset because I had to postpone my loan for two months since I need these items removed immediately and my credit score updated, but now, I feel like I am being ignored and taken advantage. This is in violation of the FCRA. Section 611 ( a ) plainly states that a failure to investigate any items within 30 days will result to the immediate removal of those items from my credit report. It has been well over 30 days, so they should have been deleted 30 days ago by law. If these accounts will not be deleted immediately, I will file for litigation against them in their violation of the law.
Product: Debt collection

NEW INFORMATION PERTAINING TO CASE NUMBER XXXX My name is XXXX ; XXXX. The XXXX for principle XXXX XXXX, a federally protected consumer, holder in due course, attorney in fact. 
First I was threaten and harassed by Wells Fargo debt collections office by email. Which I already filed a complaint about. I have a closed checking account with Wells Fargo Bank that ended up going into collections. I have been responsible in making payment arrangements dating back to XX/XX/XXXX. My most recent payment was XX/XX/XXXX for {$40.00}. I was operating in good faith. Then exactly two weeks later on XX/XX/XXXX I received a disturbing email from Wells Fargo Bank threatening me to pay the debt in full. I filed a complaint on this matter. However the harassment and threats has continued from Wells Fargo. This time by mail. On XX/XX/XXXX I received a threaten letter in the mail repeating the same exact threat as the email I received, Demanding I pay {$390.00}. " To avoid further collection action '' Again, this a threat to me the consumer and my consumer rights has once again been violated. XX/XX/XXXX at XXXX I received a voicemail message from an employee of Wells Fargo XXXX A young lady by the name of XXXX of Wells Fargo XXXX complaint management asking me to give her a call back at XXXX between the hours of XXXX to XXXX. Please be advised that I will not communicate by phone. Only by mail in writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted  Prestige Financial  and  XXXX   XXXX   XXXX   XXXX  about several inquiries that are on each one of my credit reports from their company. I explain that the inquiries were not authorized by me. During the times the inquiries were made I was in  XXXX   XXXX  getting ready to move the following month I had no need to be shopping for a car in Missouri, I also advised the rep that I was a my ex had used my identity before and that could have been the case. I asked the rep to provide me with the original document with my social security number and signature proving that I made the inquiries, because their company is reporting the inquiries in the sate of TEXAS I have the RIGHT to request VERIFICATION of how they received information.  Prestige Financial  sent a letter back dated  XX/XX/17    stating that I had to contract the dealerships to get a copy of the original contract, hence the dealerships are in  XXXX   XXXX , Missouri. I called the dealership and they said that they destroy contracts unless they are approved. I told them that I never came into their office and applied nor did I apply online they told me that I had to contract Prestige to get the inquiry removed. I am tired of going back and fourth to get something removed in which I never inquired about in the beginning. This inquiry alone with a dozen others are causing my  credit score t o decrease and I want these inquires removed from all there reporting agencies immediately.
Product: Credit card

In XX/XX/2023, I received a letter in the mail from Barclay 's ( dated XX/XX/2023 ) thanking me for my recent application for the Navyist Rewards Credit Card. They further determined that additional information was needed to process my application and requested that I send a copy of my DL, SS card and utility bill and bank statement. I did not send this information as I did not try to apply for the Navyist Rewards Credit Card. This was fraudulent activity. 

On XX/XX/2023, I was working with a recovery specialist and we called Barclay 's together. Barclay 's stated that someone tried to open this account using my information and that this was a credit card for Old Navy. They stated they would send the fraudulent activity notice to XXXX to have it removed from my credit report. It is still listed on my XXXX credit report that this is a valid inquiry : " Regular Inquiries are posted when someone accesses your credit information from XXXX ''. 

On XX/XX/2023, I was working with a recovery specialist and we again called Barclay 's together. Barclay 's again stated that they would send the fraudulent activity notice to XXXX to have it removed from my credit report. This time they mentioned that they would send me a letter in the mail in 7-10 business days verifying that it had been removed from my credit report. I never received the letter and it is still listed on my XXXX credit report that this is a valid inquiry : " Regular Inquiries are posted when someone accesses your credit information from XXXX ''. 

On XX/XX/2023, I was working with a recovery specialist and we again called Barclay 's together. After many transfers to different departments, phone numbers and people who could not find the application, it was finally found. We had been on the phone for over an hour at this point. This time they mentioned that they would send me a letter in the mail in 7-10 business days verifying that it had been removed from my credit report. As I did not receive a letter after my phone call in XXXX, I am not confident that I will receive a letter this time, therefore I am reporting this to the CFPB.
Product: Credit reporting or other personal consumer reports

on XX/XX/year> I was unable to log into my XXXX XXXX XXXX Account at all and I kept getting emails about their system being temporarily down and in order to make my payment I had to go into a branch to make my payment which I have. I have made several payments and have brought down my balance significantly but it has not been reflected on my credit report. In fact, the last update to my balance on my credit card shows XX/XX/year> which is severly harming my credit score and chances to be approved for any sort of credit, and is severly impacting me as my financial situation is being incorrectly reported. I am unable to reach XXXX so I believe the credit bureaus should be responsible for reporting correct information or not report it at all as it is their responsibility to report correct information about my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally Financial is reporting a few late payments on my credit file. These lates are for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Ever since the pandemic started i have experienced hardship and it has been very hard for me to stay on top of my bills. I have made payments to the best of my ability and even notified Ally about this hardship. Now that I'm in a better situation i am trying to recover my credit to obtain financing and these lates are affecting my credit file tremendously. I am asking that Ally financial remove these late notations from my credit file. Making payments was completely out of my hands and it was due to the pandemic COVID.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th try to inform you that I am a victim of identity theft and I complain to question particular records in my document coming about because of some negligence. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or permissioned. Assuming no one cares either way, block the noteworthy of any information in my credit file that appeared due to alleged fraud. XXXX XXXX XXXX Balance : {$0.00} ; US SM BUS ADMIN ODA - Inquiry Date : XX/XX/2020 ; XXXX - Inquiry Date : XX/XX/2020 ; XXXX - Inquiry Date : XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

company is currently reporting a negative listing to the three major credit bureaus ( XXXX, Trans Union, and XXXX ) regarding the above referenced account. Based on my recollection and my records, I can find no reason for you reporting such a history. If you'll review your records I think that you will find your reported notations are inaccurate