23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XX/XX/XXXX noticed {$1400.00} as Unpaid Advance Balance on statement ; called customer service - indicated Lender Placed Insurance placed on account prior to XX/XX/XXXX. Letter will be sent to me via mail Case Number is XXXX. 

XX/XX/XXXX letter dated XX/XX/XXXX received. States charge is for lender placed insurance for XX/XX/XXXX to XX/XX/XXXX. 

Locate records out of storage. Locate insurance agent for property in XXXX. Finally acquire declarations page showing proof of coverage. Wells Fargo Statements do not reflect this charge in XXXX, XXXX or XXXX. Locate letter requesting coverage information in XXXX and notes indicate I provided information to them. 

XX/XX/XXXX tried calling contact on letter. Was provided extension number for XXXX XXXX, representative who sent me letter ( XXXX XXXX XXXX XXXX Ext XXXX ). Left detailed message. As of today, XX/XX/XXXX, never has returned messages Called later on in day and spoke to XXXX XXXX, who sent XXXX an email to contact me. 

XX/XX/XXXX called Wells Fargo again. Left detailed message for XXXX XXXX. Called again, spoke to XXXX who created request for someone to contact me with 48 hours to get my proof of insurance XX/XX/XXXX spoke to XXXX XXXX again, no luck Created second request for someone to contact me as there isnt one in system. 

XX/XX/XXXX left detailed message for XXXX XXXX - no call back XX/XX/XXXX left detailed message for XXXX XXXX - no call back. Phoned back and spoke to XXXX XXXX at extension XXXX. He said he would escalate it to a supervisor. 

XX/XX/XXXX received call from XXXX XXXX in the Complaint Department at extension XXXX. He explained he will be responsible for resolution of this matter. Sent me an email with his contact info. 

XX/XX/XXXX sent XXXX XXXX email with declarations page. 

XX/XX/XXXX received call from XXXX XXXX, received email and has declarations page. He indicated I should have resolution in 3 days. 

XX/XX/XXXX emailed XXXX XXXX to indicate I have not heard from anyone XX/XX/XXXX phoned XXXX XXXX at XXXX XXXX, left detailed message XX/XX/XXXX phoned XXXX XXXX and left detailed message. Phoned Wells Fargo back and spoke to another person. He indicated XXXX XXXX was not available. I asked for a supervisor, then XXXX XXXX got on call. He indicated that he submitted the information which they had requested. Who requested what information I asked. He said insurance department. I asked for the persons name, he said he couldnt give it to me. I asked when they made request, he said in XX/XX/XXXX and he sent it on XX/XX/XXXX. I asked for his supervisors name. He said XXXX XXXX and when I asked for his extension number, Mr. XXXX indicated that he is the highest level of service I could speak to and he could not provide information for Mr. XXXX. He then said he was no longer handling my case and it was transferred to XXXX XXXX Executive Office Case Specialist at XXXX XXXX XXXX XXXX, Ext XXXX. I told him that was the same office I started with and I was back where I started. The call was disconnected at that point. 

I am frustrated with the lack of response from Wells Fargo.
Product: Credit reporting, credit repair services, or other personal consumer reports

lexis nexus report public records not correct
Product: Credit reporting, credit repair services, or other personal consumer reports

In previous months, I requested correction of inaccurate information which another credit reporting agency found to be inaccurate and had updated. Due to EXPERIAN 's lack of response which I classify as frivolous, CREDIT BUREAU has dishonored FCRA regulations and my request for verification. If EXPERIAN wish to correct this dishonor, I will give EXPERIAN one more chance to correct their errors and update my records. Please update the account, which have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to FIX the account listed below : XXXX  XXXX XXXX Balance Owed : {$0.00} Evaluate this reporting by revising the information provided. How can you report this account as Included Bankruptcy when my record shows that this account was Paid as Agreed and Balance is XXXX. Modify and perform any corrections or FIX this from my file.
Product: Credit card

I filed a dispute in XX/XX/XXXX-XX/XX/2015 regarding disputing late fees and was told I would not be required to make a payment until the issue was investigated. due to this a late pay was marked on my credit while in dispute. This company has been a nightmare to deal with and they DO NOT have a phone number that they provide or is listed to their corporate office which is where each rep I have spoken with states I need to talk with. I have been promised several call backs from their corporate office which have not occurred.
Product: Debt collection

I settled with Spire in XXXX and they have not reported my payment to the XXXX credit agencies and this has affected my ability to refinance debt.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request according to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am filing this FTC Identity Theft Affidavit to report 2 fraudulent account ( s ) appearing on my consumer FICO Equifax credit report which I do not recognize as reported and which result from identity theft and fraud. These fraudulent accounts consist of a Personal Loan account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX. A Phone account opened at XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries result from identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws.
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. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number XXXX XXXX Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 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 ) ( 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 reporting, credit repair services, or other personal consumer reports

I recently tried to pull my credit information Credit Karma and it stated that another names an email was connected to my identity when that is fraud because I am the true person. I was unable to pull my credit report from XXXX  XXXX  an XXXX  to check my personal credit because someone is using my credit as me. I am requesting that I have access to my credit reports and to Credit Karma, and to have access to use my own report which is law. And if there are any accounts open active and present that they should be closed because they are fraud. Any accounts on there need to be investigated and deleted from my credit record within 30 days I am disputing that this must be removed from my credit report if anything is reporting items and I need all debts to be validated through the Constitutional collection activity I have never used my credit and I have put myself in the system of opt-in and opt-out and I've also provided below proof of Fraud and a in a police report
Product: Credit reporting, credit repair services, or other personal consumer reports

On Monday, XX/XX/2019 ; I was offered to enroll with XXXX XXXX in order to fix my credit. I agree to enroll and take advantage of their services to help me improve my credit. That same Monday night, I sign up. They indicated I can have a 50 % off when I sign up a friend or family member, I decided to sign up my wife as well. I notice they place my wife on the wrong plan and called again wanting to correct the issue ; they stated the problem was fixed. 

On Saturday, XX/XX/2019 I noticed in my bank account that XXXX XXXX had charge me {$20.00} dollars extra incorrectly. When I called to dispute they stated the department who handle the issue was close on weekends which it was never explained to us before and only gave us the solution to call on Monday morning. 

On MondayXX/XX/2019 ; I tried to call XXXXXXXX XXXX and just canceled the service overall and they told me I can be cancel, but I won't be to get a refund because it was 5 days after I'm requesting the cancellation. When I sign up it was told to me that I can cancel any time but was never mention that I would get a refund. Also ; I felt cheated because it may it seem like they process the payment incorrectly on Saturday XX/XX/2019 and not on Friday, like they knew if it was charge on Saturday I won't have a chance to claim my refund if I cancel the following week. The only thing it was told I was going to get refund was the {$20.00} dollars which is unfair if we cancel and never use the service more than 5 days.
Product: Credit card

On XX/XX/21 we entered into a contract for new windows with a company in XXXX XXXX called XXXX XXXX. We agreed to an 18-month " same as cash '' loan offered by Wells Fargo in the form of a credit card ( and associated charge ). We were told that there would be no interest due for 18 months. We were not told if the balance wasn't paid at the end of 18 months, that we would owe interest calculated from the beginning of the loan ( rather than the remaining balance ). Regrettably, we did not put this date on our calendar. 

Today we looked at the Wells Fargo statement and saw that they were charging us {$8600.00} interest on the previous balance of {$8200.00} for a new statement balance of {$16000.00}. We called Wells Fargo and they told us we were now in the XXXX month and that the interest represented interest on the total purchase of the windows 18 months ago, going forward. 

We have looked at the credit card agreement ( attached ) and in the special terms area, it says they can do this. We find this very surprising but nevertheless, that is what it says. 

If this is legal, and we assume it is, our primary complaint is that there was no warning ( an email, a letter, a note on the previous statement ), that the term of the special offer ( 18 months no interest ) was nearing the end and that we would owe interest calculated on the total purchase price. 

Had we received notice, we would have paid off the entire balance before the end of the special term. As proof, today, after becoming aware of this, and after speaking to the representative from Wells Fargo, we paid off the entire balance ( {$16000.00} ) with an immediate bank transfer. 

We consider this a " predatory practice '' by Wells Fargo ( and others ). It is designed to hope borrowers forget the date upon which they have to pay the balance and have an immense amount of interest charged to them. We believe that their lending practice should include some type of reminder and warning that this will take place if the balance is not reduced or eliminated. 

Thank you for your consideration in this matter. 
Sincerely, XXXX and XXXX XXXX XXXX XXXX XXXX
Product: Credit card

My credit card stopped working so I contacted the bank and was told I was over my limit. I pay my balance every month and only use the card for small charges like gas once a week. My identity was compromised and over XXXX charges were made in XXXX 2015. The CS rep took the information and I paid the charges I was responsible to pay. I mailed a letter denying the fraudulent charges and made a police report. Several attempts have been made to talk to the bank since discovering the fraudulent charges. I keep getting a new statement showing I still owe the charges and interest.
Product: Credit card

To whome it may concern, I entered in a Consumer Credit Transaction with Barclays in which i gave them access to my open-end credit and received no equal value. 
Application XXXX Per 15 U.S. Code 1691A - IT IS UNLAWFUL FOR ANY CREDITOR TO DISCRIMINATE AGAINST ANY APPLICANT, WITH RESPECT TO ANY ASPECT OF A CREDIT TRANSACTION.

Denying me access to my securities is securities fraud which has a statute of limitation of 5years in Texas . 
Regardless of their reasoning for the denial I have a right to credit under the Equal Credit Opportunity Act and the Consumer Credit Act which are both being violated. 
Your prompt attention to this matter is greatly appreciated.
Product: Debt collection

I had a previous accumulated balance with XXXX XXXX for service that ended on XX/XX/XXXX in the amount of {$650.00}. I had to move and I have contacted the previous and now collection agency ONLINE because the balance started to really snowball from XX/XX/XXXX on because of lack of work or no work due to XXXX I have explained this many times to no avail and the current creditor will not work or try to resolve the situation. In addition they will only service phone calls. Email is needed so it can be in writing - phone calls are not acceptable for the only form of contact.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am filing a formal complaint against LexisNexis for reporting inaccurate eviction records under my name to the credit bureaus. These evictions do not belong to me and are causing significant harm to my credit profile. Under federal law, LexisNexis is required to report only accurate and verifiable information, and failure to correct these inaccuracies is a violation of my consumer rights. 

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), LexisNexis, as a consumer reporting agency, is legally obligated to ensure the accuracy of the information it provides. Specifically : FCRA 611 ( 15 U.S.C. 1681i ) grants me the right to dispute inaccurate information, and LexisNexis must investigate and remove unverifiable records. 
FCRA 623 ( 15 U.S.C. 1681s-2 ) requires furnishers of information to ensure they are reporting only accurate and substantiated data.

FCRA 616 & 617 ( 15 U.S.C. 1681n & 1681o ) impose legal consequences for willful and negligent noncompliance with the law, including damages for harm caused by XXXX failure to correct these errors. 

I have already disputed this matter with the credit bureaus and LexisNexis directly. However, these wrongful eviction records remain on my credit file. I am requesting that the CFPB take action to ensure LexisNexis removes these inaccurate evictions immediately. If LexisNexis fails to comply, I will explore legal options, including seeking damages for the financial and emotional distress caused by these reporting errors. 

I request written confirmation from LexisNexis and the credit bureaus ( XXXX, XXXX, and XXXX ) once these inaccuracies are removed. I have attached supporting documents, including my identification and any relevant correspondence, to assist in resolving this matter. 

Please let me know if further information is required. Thank you for your attention to this serious issue.
Product: Mortgage

Loan was sold from Green Tree to Ditech, horrendous customer service and my account specialist dropped off the planet for two months before we were able to communicate about my situation, she was nonchalant offered very little options. 3 mos after my verbal attempt to do a modification, sent all documents requested they said I did n't qualify because I had XXXX already at this point I 'm now four months in the rear with payments. Green Tree never paid my property taxes, I had to retrieve the lien for property taxes unpaid, And they cancelled my insurance. In XXXX I received my default letter of course, no sale date but foreclosure threat. No written documents informing me that I was in an active foreclosure status. XXXX still nothing, I asked for a pay off which was never received by myself or the mortgage broker but we were told it was sent and had expired already and a new one would be higher and the attorney fees in the amount of XXXX XXXX dollars, even if the past due payments are less than XXXX XXXX on today XXXX/XXXX/2016. I so stressed from the ordeal, I ca n't sleep and its affecting my XXXX just getting through the IVR for customer service, after an hour on the phone verifying account specifics and your concern the call conveniently is disconnected. Each time the account is updated the same personal contact info is given, but no one called or wrote to advise me that they entered my home, took pictures and placed a lock box on my door.
Product: Credit reporting or other personal consumer reports

Hi and good day! There's an inquiry on my credit report that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report. It is stressing me and making me anxious on why and how this happened.
Product: Mortgage

At the time of closing, there was no mortgage insurance listed on our closing disclosure and documents. When we received our first mortgage payment statement, the amount due was {$92.00} more. I emailed our mortgage broker with XXXX XXXX and asked if he could explain the discrepancy. He responded 2 days later explaining that " for some reason, the payment letter and such given at closing did not include the mandatory Mortgage Insurance '' and encouraged us to pay the amount with the mortgage insurance from the payment statement. I do n't feel we need to pay the amount with mortgage insurance as this was omitted on our official closing documents we signed at closing. I emailed and mailed a complaint letter to both XXXX XXXX and XXXX Mortgage on XXXX XXXX, 2016 with a deadline of XXXX XXXX, 2016 to respond or I will file a complaint. I did not hear a response from either one of them and I am reporting our mortgage broker with XXXX XXXX. I did make our first mortgage payment on time for the amount we signed at closing ( {$1900.00} ).
Product: Debt collection

XXXX Billing dept, The reason for my dispute is J P Recovery Services Inc. was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, J P Recovery Services Inc. failed to give me my " Mini- Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of OHIO allows treble damages. Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) J P Recovery Services Inc. failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation. J P Recovery Services Inc. is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under 1319.12 Taking assignment of debts. FDCPA I fail to see where J P Recovery Services Inc. is in compliance with OHIO LAW. I also believe that this business is not registered to operate in the state of OHIO I expect this collection account to be removed from my credit report. J P Recovery Services Inc.. has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately. 
Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ATTENTION : Consumer Dispute Department I am writing this letter to delete the following information in my credit file. The items i need deleted are listed in the report. I am a victim of identity theft and did not make these charges. I asked that thew items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commision and also i have enclosed copies of the Federal Trade Commision and also i have enclosed cpoies of the Federal Trade Commision Identity Theft Affidavit. Please delete these items as soon as possible
Product: Credit card or prepaid card

I have had a credit card account with Care Credit/ XXXX XXXX since XX/XX/2014, I was informed today that last month I made my payment 10 days late and was to be charged a XXXX dollar late fee. I contacted the issuer and they said " if your late you have to pay as a penalty for being late '' I have been an on time paying ( verifiable by payment records ) customer for 4+ years and to gouge myself and others alike given this is a medical expense credit card is immoral and unethical.
Product: Checking or savings account

Account with BECU  was opened with promotion code " XXXX '' attached on XX/XX/year> with an opening deposit of {$XXXX}. 

Terms of the promotion were as follows : " Passport members may be eligible to receive a {$XXXX} bonus for opening both a savings account and a checking account and meeting our simple transaction requirements.4 Transaction Requirements:5 Option A : Complete XXXX or more qualifying actions from this list : Make a purchase using your BECU  debit XXXX. 
Write a check or electronic check. 
Option B : XXXX {$XXXX} or more into your checking account. '' The initial deposit fulfilled the requirements of the promotion, but XXXX  days past the time of account opening, the funds were not deposited. 

I then called Customer Service Representatives twice to get the issue resolved. The issue was escalated but despite the requirements being fulfilled, BECU refused to honor the promotional terms and deposit the funds.