23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

A bill pay was set up through my bank, Wells Fargo. The payment was {$1500.00} payable to XXXX XXXX XXXX on XX/XX/year>. The payment was never received. The payment transaction showed paid. I received a call from XXXX saying that I still owed for XXXX. I went to my bank, Wells Fargo and opened an inquiry that was closed on the same day. I was told that it went to the address and account number set up in bill pay. I asked Wells Fargo to verify the information and was told that they didnt have the information and since my bill pay user interface only shows the last 4 digits of the account number and no address is listed, I couldnt verify it myself. I was told by Wells Fargo that I should have written it down. 
XXXX requested that I provide a trace number since it went through ACH. No one at Wells Fargo would provide the XXXX number to trace the payment. 
Wells Fargo has not and will not assist in resolving the {$1500.00}. I am really feeling that my money is not safe with this institution. Wells Fargo has been charged with fraud in the past and I feel that this just another fraud tactic. I just want my money.
Product: Debt collection

Date XXXX XXXX2016, Amt. XXXX ; we do not owe this balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXX XXXX  SS # 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 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Product: Debt collection

I had an ambulance  ride on XX/XX/XXXX. I received a bill from the ambulance company on XX/XX/XXXX and I paid the total due on XX/XX/XXXX. Fast forward to XXXX and I got a collection letter saying I owed money. I thought they just forgot to record my payment so when I contacted debt collection company they sent me a whole other invoice ( for the same thing but just charged more now ). I contacted the debt collection company and they said to call ambulance company. Ambulance company won't help me because they said it been sent to collection. No one can explain why the two invoices are different but they all agree its for the same thing. Debt collection company says I " owe it '' still even though the second invoice has been changed to show I owe more.
Product: Mortgage

After applying for and being pre-approved for a loan with HomeBridge, we requested a loan estimate and a rate lock. 

- When pressed for a XXXX, XXXX provided a misleading document and claimed it was a loan estimate. Quote : Here is the XXXX you requested. and naming the filename in question LE XXXX. After being we asked to confirm : XXXX XXXX Thank you for sending this. I 'm on my phone and ca n't review it, but wanted to confirm this is a loan estimate ..., XXXX replied with : The very inaccurate XXXX, yes. [ XXXX ] - XXXX refused to provide an official loan estimate unless we signed a purchase agreement for the home : Quote : This is all I can legally provide you without having a complete application ( meaning a purchase contract ). [ XXXX ] [ XXXX ] - XXXX refused to send an official loan estimate after taking a full application, pulling our credit, all our XXXX, bank statements etc and providing a pre-approval letter. [ XXXX ] Additional complaints - XXXX offered an extremely attractive interest rate, beating all our other offers by XXXX and offering a free XXXX rate lock. [ XXXX ] - In order to confirm XXXX claims, we contacted XXXX separately, provided the same information, and were quoted a rate that was XXXX higher, and a 45 day lock. 

- Immediately after we were pre-approved, XXXX requested we should not have our credit pulled by another lender, saying that would hurt our score. 


XXXX : - On XXXX XXXX XXXX - We made an offer to purchase XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX | MLS # XXXX - On XXXX XXXX XXXX - The seller XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX demanded we pre-qualify XXXX XXXX. Quote : Purchase agreement shall be signed upon pre approval verification from XXXX XXXX of XXXX XXXX XXXX. 

- On XXXX XXXX XXXX we met XXXX and spend several hours with her providing all our financials to pre-qualify for a loan. [ XXXX ] - On XXXX XXXX XXXX we requested XXXX lock the promised interest rate and provide us a XXXX XXXX. At that point, she immediately informed us the interest rate had jumped by an XXXX - On XXXX XXXX and XXXX XXXX we kept requesting for an official loan estimate. XXXX provided XXXX separate XXXX separate documents which were not official loan estimates, but claimed XXXX of them were. Eventually XXXX said she could not provide an official loan estimate unless we sign the purchase contract with the house first.
Product: Mortgage

Not sure if year, was attempting to refinance loan, time was unusually long, several months. I continued to supply requested paperwork. On a Friday, close to end if business I was contacted to send duplicate papers to them by XXXX or my home was going off to be auctioned the following day. I had informed them I had sub.itted their requested paper several times which i informed I had confirmed reports if fax transmittals. I have does and times. On top of me being at work and not having access til after XXXX when I got home. I was basically told too bad, if we don't have it you loose your home. I did. I couldn't understand, I pleaded, why auction my home when I'm attempting to refinance.
Product: Checking or savings account

I opened an account with USAA on XX/XX/XXXX. A transfered was completed from my existing account with XXXX XXXX XXXX to USAA. Then I completed the online documents provided by USAA. <P/>A call was made to USAA on XX/XX/XXXX because the account reflected a " hold '' until XX/XX/XXXX. The customer service representatives could n't tell me why there was a hold. All they would said is the account is under view. However, no one has been assigned to review the account yet. So I was advised to call back next week. <P/>How can this institution agree to open a new, acceptance funds from another bank, and then place a hold on those funds without any real explaination until XX/XX/XXXX?
Product: Debt collection

I have owned homes since the XXXX, and this one since XXXX. I have NEVER been late on my property tax, and my invoices always thanked me for paying my last bill on time. In XXXX last year I received a late notice from the City of XXXX Property tax people and they wanted a XXXX late fee and the amount due for XXXX and XXXX, coming to $ XXXX. I knew I paid and checked my bank account online. It said XXXX was paid on the XXXX and XXXX on the XXXX. I remember their warning letter to me was sent after the check was deposited. 
I called the city and explained I have no idea why it was deposited on the XXXX as it was sent like all the others for decades. I noticed they have a notice on all bills now the mail has changed so plan ahead. I do know I've had 5 different mailmen lately, since covid and the new head of USPS. I also do not know when THEY, the city, deposit things now. I remember a notice they weren't there and listed ways to pay now. 
Anyways, XXXX AND XXXX were paid and I was paid up for the year but they still wanted their XXXX. I said that is steep for a late fee, most companies excuse people late 1 time ( even tho I wasn't ). She said I have to pay. I'm guilty with no proof. 
I called and wrote my alderman. No response. My county supervisor..she contacted the alderman. No response. Then I get a collection agency using a lawyers name Kohn law office. I researched and a XXXX XXXX was the founder but I don't think he works there. NOW the bill is like {$82.00}. I WROTE A CEASE AND DESIST LETTER ( certified ) telling them not to contact me. I would deal with the city directly. THEY DID WRITE ME BACK.. This time it was a XXXX XXXX, Attorney at law. He sent a bunch of print offs saying " Here are the documents you asked for. '' I asked for nothing. I have all I need. He's just keeping his agency on the books for more money. 
Then I wrote my representative in XXXX, who contacted my alderman who told him he handled it before.?? XXXX XXXX,, alderman, secretary, XXXX called me and said she had this trouble once and they will sue me and take me to court and you'll pay {$900.00}. The collection place said they might assign it to an attorney for suit and I might get a lien on the house. {$76.00}! And I sent everything on time. So today I get a ad in the mail from a guy who buys houses from tax delinquent people. This collection agency is harrassing me and I'm not delinquent and never have been. I'm XXXX years old. 
Help me. I refuse to pay when I was never ever late. 
XXXX, the secretary said the city is bad cuz they're short XXXX XXXX on property tax. It's wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

With the Equifax problems I went on line and I do n't think it was the correct link. I put in my info I think I got a verification code and it said a PDF file could not be opened to verify my freezing my credit. Some thing was blocking the adobe PDF, but if I could n't open it they had a number to call. The line is always busy.XXXX I do n't remember the link.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information are being reported to my personal credit file. The Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. They have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiry and addresses are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiry and inaccurate addresses from my credit file. 
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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I entered into a 6-month mortgage forbearance in XX/XX/XXXX with XXXX because my husband was laid off due to the pandemic. As soon as my loan entered the forbearance period ( XXXX ) and I stopped making payments XXXX reported to the credit bureau that I had missed my payment. I, unfortunately, did not notice this immediately because I was told by XXXX  not to be concerned with the late payment notification on my online account. At the end of the 6-month period, I made a request to extend the forbearance for 2 more months ( XXXX - XXXX ) which was when my husband would begin his new job. They granted my request for an extension but again reported that I did not make my XXXX mortgage payment to the credit bureau. At this time my parents, who are consignors on my loan applied for a second mortgage for an investment property. During their application process, they realized that XXXX had made multiple missed payment reports which had severely lowered our credit scores. At this time both my consignor and me made several attempts to contact XXXX to resolve this issue with minimal response. XXXX promised to fix the issue, fixed it, then again made negative reports causing us to begin the whole process of resolution over again. At the end of the extended forbearance period I was ready to begin making payments ( XX/XX/XXXX ) again on my mortgage but XXXX notified me that the paperwork was taking longer on their end so they were extending the forbearance for 1 more month. Again, they reported that I had missed my payment for XXXX. As of XX/XX/XXXX, I have officially exited forbearance and made my first mortgage payment to XXXXXXXX XXXX. As of XX/XX/XXXX, I still have 2 missed payment reports on my credit and my credit score has dropped 200-300 points. I have been denied for a small loan and have had one if my credit accounts closed due to the derogatory marks. My parents were finally approved for their mortgage after extending closing several times and settling on a higher interest rate loan. The time spent trying to contact XXXX, the stress this has caused, and the financial repercussions are still impacting us.
Product: Debt collection

The creditor never sent me documentation about the debt to my mailing address The last one which I received the email way back in 2021 the bill is {$140.00} I am ready to settle down with the creditor unfortunately the creditor is trying tricks & told pay through the collection & there are charging me {$480.00} extra I am not ready to pay because they are trying to scam me The collection agency is threatening me
Product: Credit reporting or other personal consumer reports

I am writing as a protected consumer under federal law to report serious violations by the XXXX major credit reporting agencies : Equifax, XXXX, and XXXX. Despite providing proof of my address and identification, these agencies have unlawfully reported unauthorized accounts on my consumer report without my written consent, in violation of 15 USC 1681b. This unauthorized reporting amounts to identity theft and libel per se, constituting defamation of character. Additionally, these agencies have engaged in aggravated identity theft by contacting third parties with my private information, violating 18 USC 1028A and 15 USC 1681A ( 3 ).

Furthermore, they have failed to meet the requirement for maximum accuracy in reporting, violating 15 USC 1681e ( b ) and 15 USC 1681i ( 5 ). My previous disputes and complaints have been ignored or inadequately addressed, demonstrating noncompliance with FCRA obligations. I have submitted proof of certified mail receipt.I demand the immediate deletion of the inaccurate accounts and a free copy of my updated credit report. 

Equifax : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was a victim of Identity thief the account that is in question is not mind. 
Someone opened up credit in my name back in XXXX time frame. 
The account got sent to NCB XXXX XXXX. I have been disputing this for a few years now to no avail. I need this removed from all of my credit reports. 
This account was open on : Date opened XX/XX/XXXX Date closed XX/XX/XXXX Past due {$0.00} XXXX XXXX XXXX XX/XX/XXXX Days Late XXXX This has been a real headache and I'm really tired all the craziness going with this company. Please help get this removed from my credit profile please. 

thank you,
Product: Debt collection

I am a victim of identity theft I notice a fraudulent account was opened in my name the debt is {$160.00} I am working with the local sheriff department and seeking legal action
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   is retaliating on me cause I reported them on their scams. They fraudulent sent a late payment on my credit report. I not too long ago paid them  XXXX  they know I just started working I need to file a report in them with the feds on their deeds monday. And then it says on my report that my monthly payments are  XXXX  and that 's a lie! I am going to make sure   XXXX   pays for their lies all the time.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The lists of accounts below and has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. Account Name : XXXX XXXX XXXX  XXXX : XXXX Account Name : XXXX XXXX XXXX  XXXX : XXXX Account Name : XXXX XXXX  Account XXXX : XXXX Account Name : XXXX XXXX Account XXXX : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account XXXX : xxx Account Name : US Dept Education Account Num : XXXX Account Name : US Dept Education Account Num : XXXX Account Name : US Dept Education Account XXXX : XXXX Account Name : XXXX XXXX Account XXXX : XXXX has violated my rights XXXX XXXX U.S.C 1681 section 602 A states I have rights 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 items 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: Credit card

I am filing a complaint against Citibank regarding their failure to pay the monetary relief they previously offered, as detailed in my prior communications. The promised relief amounts and dates are as follows : CFPB Claim XXXX : {$120.00} CFPB Claim XXXX : {$440.00} CFPB Claim XXXX : {$730.00} It has now been three months since the last case was closed, and I have yet to receive the relief for these claims. As a result of Citibanks negligence in not crediting my account, I am incurring interest and late fees due to the incorrect balance. 

Citibank has only credit my account {$360.00} and I am demanding that the remaining monetary relief of {$940.00} be applied to my account within 10 business days. Additionally, I expect the removal of any accrued interest and late fees since my first claim closure on XX/XX/year>. 

I also request that any negative reporting to the credit bureaus be promptly removed. Furthermore, due to the ongoing issues and the distress this has caused, I am seeking an additional {$500.00} for the damages incurred, bringing the total amount of relief requested to {$1400.00}, plus any applicable interest and late fees. ( All to be applied to my account within 10 business days of receiving this complaint, if not I will seek double the amount ).

Attached you will see the 3 different complaints with the said monetary relief amounts. You will also have my last response to Citi Bank dated for XX/XX/XXXX, to which I have yet to receive a response back from them, which is why I am again filing another complaint. 

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be updated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX FIN XXXX XXXX  XXXX XXXX  XXXX AUTO XXXX XXXX XXXX XXXXXXXX XXXX OF XXXX XXXX XXXX OF XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX BANK XXXX XXXX A XXXX ( XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX BANK XXXX  ) XXXX
Product: Debt collection

I can not believe this is on here!!!!! Goes WAYYYYY back when I had XXXX as phone carrier until they were bought partially by XXXX ... I was release from XXXX and went with XXXX .... I can provide the release from them IN WRITING AGAIN ... They apparently did not notify this credit bureau ... Notice it is NO WHERE else.. Get it OFF of here before I sue The provider of this ...
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX. at XXXXreceived a text claiming to be a chime Bank alert asking if I attempted to make a transaction for a certain amount I replied with " no '', then received a text message saying thank you for response you will receive a call from customer support shortly. Then I received the call at XXXX from what seemed like " Chime customer support '' asking me if I was aware of the suspected fraudulent transaction in question I replied with no he then asked me if I had access to the chime mobile app I said yes I then logged in he then asked me to make sure that all of my funds looked right yes I replied everything was there he then told me he would help me secure my account. I told him to close it and send me replacement cards. I gave him the name of my account and address. He then said to transfer funds from my credit acct. to my checking but before doinf do I locked checking acct. yo block any transaction while making the transfer. The second I transferred XXXX the phone hung up and my account showed XXXX. In the app it showed that I used the " pay friend '' feature to a " XXXX XXXX ". The ONLY transaction/transfer I made was from my credit to my checking account. The number Chime customer support called from was a " private number " I have a screenshot of my call log with the date and time shown and a screenshot of the " chime text alert message '' that number was XXXX