23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In noting in a web based news story released today regarding Wells Fargo reaching a {$3.00} XXXX settlement with federal regulators, XXXX XXXX, Wells Fargo foreclosed on a home they purchased from the original financer. To the best of my recollection, we fell behind in payments, but were not offered an opportunity to negotiate any pay options. 

We simply received a letter that our home was to be auctioned and gave us 30 days to be gone from the home. There were no other means of communications with us other than the letter. They were rude with us over the phone when we did contact them, they stated the only option we had was to pay the owed balance in full which we could not afford to do.. 

I no longer have this correspondence, and admittedly do not recall precise reason ( s ) on how or why we fell behind, or if we attempted to reach out to Wells Fargo for assistance prior to receiving the final notice. But today 's report states, " It mistreated millions of customers, causing some to lose their cars or homes ''. We believe we may be qualified to at least be considered in any disbursements for their wrongdoing and lack of professionalism in partnering with a customer to resolve the circumstances we were in at the time. 

Any assistance in contacting Wells Fargo on our behalf, and I will also attempt to contact them directly to ensure our circumstances are made known, and if our circumstances can be considered under the protocols of this decision based on their potential mismanagement of our account which seem to mirror the dialog of the report. At this time, we do not have any paperwork or documentation after a few moves in a XXXX time period but will attempt to locate any documents we may have relative to this request. 

Thank you for any assistance that can be offered. 


XXXX XXXX XXXX
Product: Debt collection

I called and they threatened to arrest me and also curse at me ... they also said that if I dont pay up that police going to arrest me and hold a collection charge on me.
Product: Checking or savings account

When first opening my account with Citi Bank I opted-out of overdraught protection, Citi Bank saw a demand for payment enter and paid a company i was doing business with, that asked for {$2500.00}, actually i didn't have nearly that much inside my account for that amount and i would have disagreed with that amount that XXXX company was asking, I would have needed to review it with XXXX XXXX. My bank, Citi Bank without asking or without contacting me, claims that they paid the full amount to XXXX Co. I have not seen any documents that Citi really paid XXXX that amount After many attempts I spoke to a representative in recovery dept of XXXX XXXX Car, the Rep told me yes, they had been paid by my bank, I ask the rep to send me a confirmation to my email, what he sent did not confirm it. Now, my checking account sits in a negative for over XXXX and I can't use it to pay my bill and conduct my business.I would have set up a payment plan with XXXX, but was inform the charges was cleared by Citi Bank.i did not write XXXX a check for the last amount, XXXX just used my credit card number to add to original charges, that i should have reviewed before my pay it. Citi Bank committed a negligence and breached the level of care and concern for me as a client.Citi bank 's omission of of a duty to me, to see a suspicious transaction and first report it to me before paying it.since my checking account has never had a single deposit of over XXXX dollars.Before Abitration I want my account cleared because of the delays in me knowing the truth of Citi bank not really having paid XXXX nothing, and it is an obvious conspiracy to omit the use of my checking account. Citi Bank committed a Fraud act against me account and relationship with Bank. XX/XX/2022 beginning date of fraudent negligence. 

Now, Citi Bank
Product: Mortgage

I have XXXX asked for their bi-weekly payment form to be mailed to me - b/c it is the only way they will set up auto-bi-weekly payments. They have not mailed it- they require a physical signature, and I don't have a printer, so it needs to be mailed. I have turned off paperless and they still refuse to MAIL the form. Since they refused, I started sending bi-weekly payments. Next payment not due til XXXX. I sent XXXX XXXX weeks ago, and was going to send it again this week. They returned the payment. I asked why they were refusing my payment. They said it's their " policy '' to only take " full payment '' - I asked for the policy. They refused. I asked for the contract or legal basis for that decision- they refused to provide it.
Product: Credit card or prepaid card

On XX/XX/XXXX, I was alerted a credit card application was filed. Received a letter on XX/XX/21 stating my application for Chase Saphire card was denied due to my history. I did not apply for this card. 
Also on XXXX, I received 5 letters from XXXX bank stating someone opened and checking and savings account in my name. I did not or give anyone permission to do this. 

On XXXX, I did file a police report on these.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX and XX/XX/2018 for 30 days late???? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Debt collection

I have ATG Credit reporting on my credit report. I never received anything about this debt ever because they did not have an actual address of mine. They have a college tuition amount due when I never applied to their school or attended their school. I have spent 5 years at XXXX and I had a mailbox at the time this account was applied for now its reporting to 2 of my credit reports and decreased my score tremendously
Product: Debt collection

I missed my monthly payment, manager XXXX started calling my phone twice a day, and my work number at least once a day, manager started texting my personal number demanding payment right away, on XXXX/XXXX/17 a lady ( XXXX XXXX ) came to my residence to try and collect. I told her to stop coming to my house, she told me that was her job. I tried to pay but this person had no receipts to issue if payment was made. right after, I talked to XXXX via phone and demanded for them to stop harassing me. he told me that if I missed more payments he had all the right to contact me any way he wanted. I told him that it was ridiculous to send a person to collect without a receipt book, and he told me it was more ridiculous to missed my payments. At this point It was obvious I was talking to a person with zero management skills and I decided to stop our conversation. I told XXXX XXXX to stop calling me, and texting me from now on. he said he would keep calling if I keep missing more payments. I feel harassed and threaten every day by this individuals and their abusive tactics. Please help.
Product: Debt collection

The Consumer reporting agencies have stated that you never submitted the request to remove your account as you stated it was done ( i have proof ). I dont apprecite being lied too. please send the request and attached the proof. You have three days.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018, XXXX XXXX changed the way that they report XXXX XXXX debt to the credit Agencies. Instead of it being reported, as in the past, like Mortgage debt, it now displaying the interest that is accuring monthly. It's as if the interest has been capitalized! It has not been. 
My mortgage debt does not do that. It is an installment loan. My credit has took a major hit of at least XXXX points! I tried speaking to them to get a better explanation, but no one was clear on how this happened! They just apologized! My credit will never be able to heal because of the way that they are now reporting this installment loan. How can this be fixed?
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 a customer sent me XXXX dollars on zelle to pay for a move. You all never contacted me and canceled my full account because she reported me for a service that she got done. My account was shut down but nothing got investigated I didnt even get a call. I spoke with zelle twice they told me to call my bank just for my bank to tell me to call you all back and you all would not fix the issue
Product: Credit reporting

I disputed a bankruptcy chapter XXXX - discharged on my Experian 's credit report. The item came back verified. But I called the United States Bankruptcy Court - XXXX of California to ask if they did verify my discharged bankruptcy. The clerk 's answer was very clear : " The Bankruptcy Court do not have any type of communication with any of the credit bureaus, including Experian. '' Then I insisted and asked if by any chance the court received anything from Experian trying to verify the case, the clerk 's answer was clear again : " No sir, we did not receive anything from Experian regarding your case ''. 
Then, Experian is violating the Fair Credit Reporting Act by saying they verified this item. 
In the other hand I would like to add here that XXXX and XXXX removed the case from my credit report because they never verified it. 
Please, see the attachments. There is the BK on Experian 's Credit Report and also the information from the Bankruptcy court about credit reporting.
Product: Credit reporting or other personal consumer reports

Under 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. 
XXXX I looked at my Equifax credit report on XX/XX/2024, and noticed some incomplete and inaccurate things. According to the Fair Credit Reporting Act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about who the report relates according to 15 USC 1681 ( e ) ( b ). And according to15 USC 1681 1i5 they are supposed to do this ( 5 ) Treatment of inaccurate of unverifiable information ( A ) In general, if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptl
y delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2, they are supposed not to 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 do not own this debt and demand that you immediately delete the accounts from my credit report I have never received any verifiable proof that this account is mine and according to the FCRA each account must be verifiable, timely and accurate!!! XXXX XXXX XXXX, US DEPT ED XXXX, XXXX XXXX, XXXX XXXX. How did the student loans ended on my credit report? They do not have a place here. 
It could be that this creditor just made a mistake because the loan is in deferment. Please remove the multiple entries on student loan! DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, DPT EDXXXX XXXX, DPT ED/XXXX XXXX, XXXX XXXX, DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, DPT EDXXXX XXXX, DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, DPT ED/XXXX XXXX
Product: Mortgage

A Supplemental Real Estate Tax was paid ( by us ) on XXXX ( {$1600.00} ). 
Surprisingly, Freedom Mortgage ( our lender ) increased the monthly payment ( from {$1700.00} to {$1800.00}, claiming escrow funds shortage ). 
After several unsuccessfull calls to their Customer Service Departament, we decided to contact FHA Resource Center ( RE : XXXX ), and they instructed us to send them an Error Resolution Letter, including all the payment evidence ; we mailed it on XXXX. 
On XX/XX/2022, we received a letter from them indicating they are maintaining their intentions not to address our claim, even when they have all the evidence to correct/amend this situation.
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX XXXX and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$15000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$15000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$15000.00}
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to follow up on my today 's attempt to correct the late open account on my credit report. 

The presence of this inaccuracies not only undermines the accuracy and integrity of my credit report but also poses a serious threat to my financial stability. As a responsible consumer, I find it unacceptable to be unfairly penalized for inaccuracies that do not accurately reflect my credit behavior. 

Despite my continued efforts, the late open account remains unresolved, negatively impacting my credit standing. I kindly request a thorough review of this matter and the necessary steps to rectify the error promptly. With this, I am asking for your assistance to correct this account in my credit file : XXXX XXXX XXXX : {$8900.00}.
Product: Credit reporting or other personal consumer reports

I inquired about my account data, I never received a response back about the data breach. I know my data was compromised.
Product: Debt collection

Hi. Recovery partners , LLc of XXXX, AZ tries to impersonate XXXX XXXX  and claimed that I was involved in an accident. I called XXXX XXXX  and they have no claim against me. I have a clean record and was not involved in any accident. Their address is XXXX XXXX XXXX, XXXX, AZ. Their phone number is XXXX. 

They claimed the accident occur on XX/XX/19. The account number as XXXX. Claim number as XXXX. I called XXXX XXXX directly. They have no record of any accidents associated with my driver license. 
They even spelled my name wrong when they send me a collection letter. In their letter, they threatened to suspend my driver license. 

I have asked them for detail information of the accident and the claim and they refused. I have also asked them to produce an accident report. They refused. They seek {$1800.00} from me which I'll take to court if they try to suspend my driver license which I think they can not since there is no accident.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and I am not filing this claim in the third person. I am a living man whose privacy rights have been violated. The accounts listed below have been reporting to my personal report and has had a negative effect on my life, extremely reducing the ability obtaining any credit in my name. 
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 I have asked these companies to validate and send proof that these accounts belong to me with contracts I signed in wet signatures. So far, they have not done this.
Product: Mortgage

Dear CFPB! 
Due to Wells Fargo bank relentless fraud and lies I once again respectfully request you to open and INVESTIGATE Wells Fargo bank XXXX conduct and XXXX Court practices against me. Wells Fargo bank was repeatedly stonewalled behind the backs of certain corrupt judges who not only blatantly committed fraud upon the Court and trespassed all applicable laws, but in my situation even concealed material evidence from the case records. As the result, Wells Fargo bank continues to lie and defraud customers as usual. On XXXX XXXX, XXXX Wells Fargo bank lawyers filed a foreclosure complaint against me where their lawyers lied to the Court that MERS was a mortgagee for my loan, while MERS was not a mortgagee. All documents in support were forged and robo-signed. Service of process and all Notices were done on a wrong address - unit # XXXX while my unit is # XXXX. On XXXX XXXX, XXXX Wells Fargo informed me that my loan is " moving toward foreclosure ''. All my attempts to get any explanations from XXXX XXXX bank resulted in a binder-worth of runarounds where Wells Fargo employees lied to me that they need more time to research. See attached evidence. Wells Fargo lawyers recorded Deed on my property on XXXX XXXX, XXXX while my foreclosure was still pending in the Court. I have all reasons to believe that Wells Fargo bank sold my foreclosure to foreign investors on The XXXX XXXX exchange market where WF launder money from criminally extorted properties. On XXXX XXXX, XXXX Wells Fargo bank lawyers for a first time presented certain documents which they claimed as " original ''. Copies of those documents were never provided to me because the judge who handled my foreclosure criminally concealed them from the case records to defraud Higher Courts. As of today nobody saw those documents and Wells Fargo bank and its lawyers repeatedly refuse to provide them to me. Moreover, on XXXX XXXX, XXXX Wells Fargo sold my property to a third party buyer whom they defrauded about their legit property rights. But on XXXX XXXX, XXXX Wells Fargo employee XXXX XXXX mailed me a letter where she lied that " more time is needed to complete research ''. I received exactly the same letters on XXXX XXXX, XXXX from WF employee XXXX XXXX ; on XXXX XXXX, XXXX from XXXX XXXX ; on XXXX XXXX, XXXX from XXXX XXXX, in addition to a binder-worth runarounds from XXXX to present time, more than XXXX letters in XXXX alone. 
I request your Agency to ORDER Wells Fargo bank response to my inquiry and ORDER them to provide me copies of all documents related to my mortgage with XXXX, prove that MERS was a mortgagee and had a legal right to transfer its interest into a legally defunct XXXX XXXX XXXX ; and copies of purportedly " original '' documents which Wells Fargo brought to the Court on XXXX XXXX, XXXX and which were never filed in my foreclosure case and never given for my records. 
I demand to stop Wells Fargo bank relentless lies to customers, and place appropriate sanctions for their foreclosures racket, fraud upon the Court and money laundering business. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Reason for Deletion : This is a duplicate account. This account was included in my bankruptcy and should not be reporting negatively on my credit report.
Product: Money transfer, virtual currency, or money service

I tried to transfer money direct from my account at PNC, as I did many times before, and it has been impossible, since I can`t access my account.
Product: Student loan

I submitted an application for PSLF by uploading it to MOHELAs website on XX/XX/XXXX. I have been periodically logging in to the MOHELA website to check on the status, it has consistently indicated " Received In Process ''. However, upon logging in on XX/XX/XXXX the status indicated " Duplicate Form '' with description indicating " A duplicate application was processed as Canceled. '' I called MOHELA for further guidance on XX/XX/XXXX. The representative I spoke with verified the status was canceled, but indicated it should not have been canceled as it was not a duplicate. She was able to determine the previous certification was submitted in XX/XX/XXXX and the newest on XX/XX/XXXX, therefore the XX/XX/XXXX submission was not a duplicate as the XXXX were not submitted in the same year. The representative resubmitted the application over the phone, however, indicated the processing time will start over and be subject to up to a 90 business days processing time ( anticipate XX/XX/XXXX ), rather than picking up where it left off based on my original submission on XX/XX/XXXX. The representative indicated that there is no way for her to return the application to the original processing time frame, thus the 90 business days period starting over. As noted by the MOHELA representative, this was an error on behalf of MOHELA and therefore I find this completely unacceptable to restart the processing period. By my estimates the original 90 business days processing time would have ended on XX/XX/XXXX. I feel it is reasonable to request processing by XX/XX/XXXX, rather than restarting the 90 business days. The loan in question had a total payoff amount of {$180000.00}, as of XX/XX/XXXX. 

Of note, my conversation with the MOHELA representative on XX/XX/XXXX, was quite pleasant. She was very informative and understanding of my frustration, and I believe she handled the situation nicely, but simply did not have the ability to remedy the situation as I see appropriate.
Product: Credit reporting, credit repair services, 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 XXXX XXXX Account XXXX : XXXX, Account name : XXXX XXXX XXXX Account XXXX XXXX XXXX, Account name : XXXX XXXX XXXX Account Number : XXXX, Account name : XXXX  XXXX Account Number XXXX XXXX, Account name : XXXX  XXXX Account Number : XXXX XXXX Account name : XXXX  XXXX Account Number : XXXX XXXX Account name : XXXX  XXXX Account Number : XXXX, Account name : XXXX  XXXX Account Number : XXXX, Account name XXXX XXXX  XXXX Account Number : XXXX, Account name XXXX XXXX XXXX Account Number : XXXX, Account name : XXXX XXXX Account Number : XXXX, Account name : XXXX XXXX Account Number : XXXX, Account name : XXXX  XXXX Account XXXX : 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 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 or other personal consumer reports

Im in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

XXXX Chase bank cashed XXXX checks deposited into account on XX/XX/2021, closed account on XX/XX/2021 and did not return funds from cashed checks to customer after Chase closed account without explanation.