23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I opened a mortgage through XXXX Mortgage XXXX as part of my home purchase in XX/XX/2016. I submitted XXXX months of payments to XXXX Mortgage and was notified that my loan had been sold to Wells Fargo. Both payments were sent via certified mail and XXXX confirmed via e-mail that they had received and forwarded the payments to Wells Fargo. 

The XXXX payments were for bills due on XX/XX/2016 and XX/XX/2016. The XXXX payment included XXXX checks ( XXXX personal, XXXX from my credit card company rewards department ) within the same envelope and was credited correctly. The XXXX XXXX payment included XXXX checks within the same envelope and was not credited correctly. The first XX/XX/XXXX payment check was in the amount of {$2200.00} from my personal account ; the second XX/XX/XXXX payment check was in the amount of {$200.00} from my credit card company rewards department. The XX/XX/XXXX payment only credited {$2200.00}, not the full payment amount. 

I have been working with Wells Fargo since XX/XX/2016 to resolve the XX/XX/XXXX payment issue. I have received some assistance from XXXX XXXX XXXX XXXX x XXXX ) at Wells Fargo. XXXX and I contacted my credit card company to request a copy of the rewards checks and we agreed to cancel the missing {$200.00} check if it had not been deposited. XXXX found that the missing {$200.00} had not been deposited and cancelled the check. On XX/XX/XXXX, after the {$200.00} check had been cancelled, a {$200.00} credit was applied to my Wells Fargo account. 

On XX/XX/2016 ( for XX/XX/XXXX ), I went to the Wells Fargo branch to pay my XX/XX/XXXX payment. I used XXXX checks again ( XXXX from my credit card company rewards department, and XXXX personal ). Wells Fargo accepted the checks and provided a receipt for the payment. Initially, the payment credited properly ; however, Wells Fargo reversed the {$200.00} payment for the cancelled check AND reversed my XX/XX/2016 ( for XX/XX/XXXX ) payment as well. 

I have never made a late payment on any loan, credit card, or anything on my credit -- ever. I am now trying to refinance the mortgage from Wells Fargo due to the poor service, but I fear that I will be blocked due to this accounting issue at Wells Fargo. I confirmed that third-party checks were accepted by Wells Fargo and XXXX. With a previous Wells Fargo mortgage I used the credit card rewards payment checks without issues. I am unsure what to do at this time, but I would like my payments to be properly credited.
Product: Credit reporting or other personal consumer reports

FCRA 605B, I believe, demands the deletion of any erroneous accounts from my credit report. Would you mind checking the documents? Some of the listed accounts have inaccuracies in reporting, including inaccurate amounts and dates.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. 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.

15 U.S.C 1681c. ( 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 1681s-2 ( A ) ( a ) 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. 
Delete the accounts below : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

We entered into a real estate contract and part of selling the property is obtaining any liens and or financial issues from Citizens mortgage company. 

On the following days XXXX XXXX XXXX  and myself called Citizens mortgage : XX/XX/XXXX, a few times in XXXX, XXXX ( my self ) on XXXX and XX/XX/XXXX ( both title company and I called ) Then we called on XXXX way. 

Each time I called I was made to feel like incompetent and it was done several times to be reminded of my late mortgage, as if I didnt know it already on the same call. 


I was told along with the title company that the information was faxed or would be faxed but we still havent received it. Many times the agency had conflicting responses about there policies and procedures when getting information to a client. 

Im disappointed because the entities lack of professionalism has cost me XXXX to XXXX. 
I was last promised the document would be sent to me on XXXX XX/XX/XXXX and today is XX/XX/XXXX and still no Payoff document. Which every day I am losing the opportunity money and etc. 
You may reach me and the title company anytime.
Product: Debt collection

XXXX XXXX, by way of SeriveLink, LLC, recorded an unsigned, unverifiable, QuitClaim Deed in error, falsely, misrepresented, in XXXX XXXX XXXX of Deeds. As the Secured Party Creditors, and the holders of the paramount security interest in any and all real and personal property and the proceeds therefrom, registered to, associated with, in the possession of, or under the management of, XXXX XXXX XXXX XXXX XXXX XXXX, their alleged claims and/or requests prejudice my rights, titles, and interests in regard to said property as the Executive Trustee for the private trust to which said rights, titles, and interests have been pledged. For me to provide them with a remedy, I conditionally accept their offer upon proof, with bona fide evidence as proof of claim, done with and under a sworn affidavit, under penalty of perjury with unlimited commercial liability with evidence attached. And, a copy sent to undersigned for rebuttal or acquiesce, of the following : 1. VERIFIABLE Proof that the property is acquired by a new entity, 2. VERIFIABLE Proof of a copy of your lease ( even if expired ) or any other proof of your right to occupy the property, 3. VERIFIABLE Proof that the property in which I reside has been foreclosed, and 4. VERIFIABLE Proof of Proof of any security deposit paid and/or copies of cancelled checks or other proof that shows payment ( s ). 
5. VERIFIABLE Proof of any rent/lease payments and any other correspondence related to my occupancy of the property. 
6. VERIFIABLE Proof that a contract exist with any of the said parties.
Product: Credit card or prepaid card

On or about XX/XX/2019, I initiated a fraud dispute with American Express concerning multiple fraudulent charges made to my account in XXXX and early XXXX of 2019. I was asked to submit an affidavit declaration of fraud form which I complied with and advised that I would receive an update concerning my dispute within 10 business days including a provisional credit to my account. On XX/XX/2019, I received an email advising me that my dispute had been denied because American Express had determined the charges to be valid. Since I know that I did not authorize any such charges, I asked American Express to send me copies of any documents used by them to substantiate the denial of my claim. As of todays date, my requests for such information has been denied. Notably, my subsequent research revealed that American Express has engaged in this unlawful behavior with Serve prepaid customers before. I was referred to as a down-market customer, and my requests for resolution has been ignored. Ive filed a small claims lawsuit which is pending for a XX/XX/2019 hearing. Most disturbingly, however, when I advised them that I have filed a lawsuit my account was suspended. As American Express is well aware, it is against federal law to retaliate against a customer for filing a fraud claim. American Express has flouted the law on this matter.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still items that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX Credit Bureaus to validate these accounts ( A ). I hope these disputed items are updated. 
XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX FIN XXXX Balance : {$3200.00} CAPITAL XXXX XXXX Balance : {$750.00} XXXX XXXX XXXX Balance : {$880.00} XXXX XX/XX/2023
Product: Debt collection

I have talked to them and explained that I have had no income for 4 years but to health and not able to hold a job I am XXXX  XXXX XXXX I have had my drivers license suspended for 4 years due to having XXXX. I offered to pay what I can on my accounts and when I can. They refused to take what I could pay. The amount was {$50.00} month was what they wanted me to pay.
Product: Credit card

I applied for a secured credit card on XX/XX/year>, was approved, and made a deposit of {$200.00} on XX/XX/year>. However, I later decided not to proceed and was informed that I could not retrieve my deposit. I have yet to receive the card and even spoke with a supervisor who assured me that a refund would be processed. When I called again this morning for an updated status, I was told that a refund is not an option. This situation is perplexing. The company has not extended any credit to me ; the {$200.00} is my money, and I believe I am entitled to a refund if I opt not to use the credit card.
Product: Credit reporting or other personal consumer reports

I have a hard inquiry from JPMCB on XX/XX/year>. 

I did not apply for credit recently. 

This should not be on my credit history.
Product: Payday loan, title loan, or personal loan

This is my 2nd complaint that I have filed with the Consume Financial Protection Bureau against XXXX XXXX XXXX. The first complaint was on XX/XX/XXXX. On XX/XX/XXXX I received a " Notification of lawsuit Filing and Civil Complaint '' from XXXX XXXX XXXX on behalf of XXXX XXXX XXXX. I PAID/settled this loan in the amount {$250.00} in XX/XX/XXXX to XXXX XXXX XXXX that was representing XXXX XXXX XXXX for the loan. On XX/XX/XXXX @ XXXX XXXX I received a pone call from XXXX XXXX XXXX asking for a settlement on the XXXX XXXX XXXX loan. I informed them that I paid the debt. the conversation got heated and I was informed that they were taking me to court and I told them to go ahead. 

Over 5 years XXXX XXXX XXXX have not updated their records to showing that I PAID this loan!!
Product: Credit reporting or other personal consumer reports

US Department of Education slong with XXXX And Equifax is reporting inaccurate information onstudent loans as payment late during the COVID FORBEARANCE PAUSEon my credit report for the years of XXXX, XXXX, and XXXX. Deliberately ruining my credit.Student loan moratorium has suspended monthly payments and interest for most federal student loan borrowers since XX/XX/XXXX. Former President Trump initially enacted the relief on a short-term basis in response to the Covid-19 national emergency. I had requested an appeal in XX/XX/XXXX which was never processed due to Covid-19 Federal Student Loan Moratorium and pause
Product: Credit card

In Late XXXX early XXXX I was working with a car dealership, they asked me to place a {$1000.00} hold on a vehicle from it being sold to someone else. The dealership had two lots, one in XXXX, VA which I was dealing with and another one in XXXX, VA ( where the car I was interested in was ) The dealership never picked up the vehicle from the XXXX lot and after a week I was fed up with going back and forth with the dealership and I told them to send me back the {$1000.00} hold they requested. They are refusing to send my money back, Ive also disputed it with Capital One Bank but they have not given me my money back either. 

I have no other resource to help me with this issue. The dealership did not honor their half of the commitment of getting the vehicle. I am not sure what I can do to get the money back for a vehicle they never retrieved for me..
Product: Credit card

I have made a first payment to a venue for my daughters wedding on XXXX XXXX XXXX  and I paid XXXX dollars on XX/XX/year>. I did NOT sign any contracts and I NEVER signed a contract with them and I was NOT told about their refund policy. I did NOT contact the business and did NOT sign any contract with business. The weddings was called off because the fianc XXXX XXXX changed his mind so I sent the business an email requesting to cancel the reservation and for a FULL refund of my XXXX dollars but they refused to refund me for NO reason. My daughter called them but they refused. So I disputed the charge with capital one XXXX card and capital one denied my dispute and are NOT helping me to get my money back from the pines XXXX weddings. The reservation with the XXXX  -XXXX  was cancelled and so there is NO wedding and I want my first payment that I paid them back. I want a FULL refund of my payment Case number with capital one Visa card is XXXX and the charge is from XXXX XXXX 
Again I did NOT NOT NOT SIGN ANY CONTRACT WITH THIS BUSINESS
Product: Credit card or prepaid card

I have disputed account XXXX on my consumer reports with the 3 consumer reporting agencies and my results always result in a update or verified as accurate. 
XX/XX/XXXX I got all new reports from XXXX XXXX and XXXX and I noticed inconsistent information in regards to the federal running of reporting expiration date. 
XXXX reports XX/XX/XXXX. 
XXXX reports XX/XX/XXXX. 
XXXX reports XX/XX/XXXX with the date of 1st deliquency reported XX/XX/XXXX. 
since I cant get through to the consumer reporting agenies I decided to contact XXXX with a direct dispute under XXXX regarding this error. 
XX/XX/XXXX I wrote XXXX putting them on notice of this inconsistent error and also putting them on notice that a data furnisher is PROHIBITED to report any inaccurate, incomplete and inconsistent information after they have already been put on notice from this direct dispute XX/XX/XXXX they responded by requesting additional information from me in order to help them verify my identity? they asked for my residence from XX/XX/XXXX, the last 4 of my ss, my full birthdate, the credit limit on the account, the date or amount of the last payment and the account opened date. at the top of the letter they also notated the account number ending in XXXX with a INCORRECT mailing address. to my understanding if this data furnisher wants to report on my consumer reports then shouldn't they have all the information they requested from me in their files? this is not making any sense. I've sent them copies of my consumer reports regarding this account so they can see there inconsistent and inaccurate reporting. that should be enough to complete there investigation with the information they supposably have under my name. by XXXX sending me this correspondence, it proves to me that they dont have my information on file enough to report this account. if they lost paperwork in their files pertaining to this account then why dont they just say that? it is not my responsibility to give them private information and the burden of proof is not on me to prove. there furnishing this account to the consumer reporting agencies therefore they should have the requested information on file. this account seems to be not valid in my opinion all while inaccurate and inconsistent information is being reported to the third party consumer reporting agencies. I have also included my response to XXXX regarding there correspondence letter XX/XX/XXXX putting them on notice that this account is not valid and I demand a deletion.
Product: Credit reporting or other personal consumer reports

Please see the attached XXXX XXXX breach claim and FTC report and remove the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached the necessary documents to support my claim, I am pleading with you to remove this from my credit report as it is not mine and is entirely fraudulent.
Product: Debt collection

Failing or refusing to prove a debt exists and they are authorized to collect it Collection of an amount not authorized by law or by the agreement with the original creditor attemoting to collect amounts of dollar NO dcoumantion proving amounts are owed
Product: Credit card or prepaid card

Series of events : XX/XX/XXXX, Received an email from Capitol One informing me that my payment was due on the XXXX and requesting a payment to avoid a late fee. I did not check my email until XX/XX/XXXX. 
XX/XX/XXXXXXXX XXXXXXXX XXXX XXXX XXXX : Contacted Capitol One and made an XXXX transfer to pay bill in the full amount, {$80.00}. Asked why I never received a statement in the mail and was informed I was on paperless, which was a lie. Asked for my late fee to be suspended. 
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : Received my statement in the mail. 
XX/XX/XXXX : Reviewed my statement online and saw a late fee charge of {$25.00} for XXXX statement. 
Conclusion : I didn't receive a statement in the mail until XX/XX/XXXX for a bill with a due date of XX/XX/XXXX. This seems like a scam, and I believe the late fee should be removed. I wonder if other people have had this problem. Thank you very much for your help.
Product: Credit reporting or other personal consumer reports

i called and told bureaus that credit report is not accurate can they update my current mailing address and also inquiries that was not made by me. they as to send proof of identification i sent the proof. they deleted the information then added it back later
Product: Money transfer, virtual currency, or money service

Hello, I'm an XXXX  of XXXX XXXX company that XXXX XXXX from XXXX and XXXX to XXXX. 
I sent the payment from my account in XXXX payment system ( XXXX ) to XXXX XXXX XXXX  ( XXXX ) of XXXX  enterprise on XXXX XX/XX/2022, the payment is being stuck in corresspondent bank  CITIBANK N.A., swift code of bank XXXX. I have made a request for refunding, but the last message frim CITIBANK that the transaction was under review. This message dated XXXX XX/XX/2022. Since that CITIBANK hasn't given another respond on my issue to neither XXXX and XXXX. 

I contacted citibank by myself on XXXX XXXX, the operator of CITIBANK replied she couldn't help me, they handle issues made by sender 's bank only. 
But they haven't replied to XXXX since XXXX XX/XX/2022 P.S. XXXX uses a partner bank, it's XXXX Bank, they send the payment to XXXX and then XXXX sends to the recipient Attached is a response from Citibank to XXXX, a payment order from XXXX, and tracking from XXXX Bank ould you consider my request and if possible help to return the money to my account in XXXX, it's been a long time, i would like to get my funds back
Product: Credit reporting or other personal consumer reports

7inquiries These lenders have accessed your credit file : 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
Product: Credit reporting or other personal consumer reports

Hey, due to the lack of hiring in XXXX XXXX XXXX after joining the XXXX XXXX, i was projected job security that never accrued. Stuck with a past bill, after leaving the services and um-surety again of a income deposit.
Product: Debt collection

On XXXX XXXX XXXX, I received a billing from American Coradius International LLC ( ACL ). The billing is dated XXXX XXXX XXXX. In it, ACL indicates an account " has been placed with our office for collection. '' The creditor is identified as XXXX, XXXX. In the billing, my first name is misspelled. No validation of debt was included. A call to XXXX confirmed that I have no debt with XXXX. My credit report shows no negative report or judgment. While communication from ACL was not electronic, this billing and threat of action resembles phishing.
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX XXXX. I bought a MONEY ORDER amounting {$3700.00} and made deposit to a Wellsfargo bank account with below information for the purchase of a car : Account number : XXXX Routing number : XXXX Account Name : XXXX XXXX WELLS FARGO After deposit was made, the money was held in the account for 7 days. On the 5th day while money was still on hold, the account holder ( XXXX XXXX ) said he got a call from the bank and they told him to come with his ID so he could get the money from his account. I told him that was fine and the money have been deposited already and I have the receipt for the Money Order and also the receipt from Wellsfargo after the deposit was made. After some hours, he told me the bank wanted to call the police on him and he managed to escape. I asked why would a bank call the police on you over a cash deposit and how did you even manage to escape arrest in a bank. 

I begin to ask him a lot of questions and I told him I wanted my money back and he said go to the bank and get your money back. I went back to the bank where I made the deposit and the lady at the bank told me there's nothing wrong with the bank account of Mr. XXXX XXXX and she also told me the amount of {$3700.00} is available right there in his account and I wonder why he wouldn't take the money out nor return back my money. 

I called Wellsfargo customer service and I was told that to get the money back, I have to do a 3 way call. Myself and XXXX XXXX will be on the phone speaking with the bank and he can instruct the bank to give me back my money. XXXX XXXX then said he got a different number on his bank information at the bank and I can tell the bank to call him since he wouldn't let me have his real telephone number. I have been trying to call XXXX XXXX ever since and I realized that he stopped using the number I have since it a roamed number. I went in the bank to let the woman know I don't have his main number and she said nothing can be done. 

These are the telephone number to reach XXXX XXXX but he won't respond to calls nor text messages : XXXX XXXX XXXX and XXXX XXXX XXXX  I wonder why WELLS FARGO won't call XXXX XXXX to speak with him about my claim. Its been 4 weeks already since I made the deposit and he wouldn't withdraw the money nor Wellsfargo giving it back to me. What else am I suppose to do? Can anyone help? I really want my money back.