23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XXXX 2015, I filed a complaint with the cfpb submission, [ Case number : XXXX ]. My complaint was against Nationstar regarding their escrow analysis, applying fees to the account without verifying that charges were incurred by them, applying payments to a suspense account fraudulently, attempting to sell the property without notice to the homeowner and before the property had been foreclosed upon, as well as failing to identify the owner of the mortgage. In XXXX they provided documents to identify the owner of the mortgage and a transaction history prior to their becoming the loan servicer. They did not address the methods used to conduct an escrow analysis or the other issues in the complaint. They did not provide a response that could be read. When I contacted cfpb for assistance their representative XXXX with employer ID # XXXX verified that she was unable to open any documents and therefore she also was unable to read a response addressing the issues in the complaint. These issues have created additional burdens which have made it difficult to continue making payments on the account because of Nationstar 's demand for ever increasing amounts and no justifiable explanation for their increases or addressing their failure to include all payments made into escrow before the escrow analysis was initially done.
Product: Checking or savings account

Wells Fargo is denying my dispute and for some reason every time I call I either get hung up on ignored they say the same thing and act like robots. Wells Fargo isnt following regulation and is refusing to tell me why my dispute got denied. I would like to help the CFPB start an investigation/lawsuit against Wells Fargo and one of the employees called me a XXXX and hung up! I want my money back it is a huge sum. I dont want to wait 60 days I want my money back now. I will be stop using Wells Fargo once I get my money back worst bank I have seen! I will continue to be annoying and open multiple claims against Wells Fargo until I get my money back! And I also requested a call back for XXXX weeks now and still havent got a call back. And every time agent get assign to me they give me a fake number and dont even answer!
Product: Credit reporting or other personal consumer reports

I have disputed information that is on my XXXX credit report. I had a car loan that was charged off by XXXX XX/XX/XXXX. According to XXXX 's records my first date of delinquency was XXXX, XXXX. This date is not correct. The date of first delinquency is XX/XX/XXXX. Whether it is XX/XX/XXXX or XX/XX/XXXX still does not change the fact that this should have been removed from my credit report. According to XXXX and the other credit bureaus, charged off accounts will be removed from the date of first delinquency. XXXX is no longer reporting any information on my credit report prior to 2018 because they are trying to keep negative information on my credit report. Reporting 2017 would allow XXXX to know that this account was delinquent way before XX/XX/XXXX2017. I disputed this information with you already and in XXXX 's response they said that my date of first delinquency was XX/XX/XXXX. Why is this information still on my credit report?
Product: Debt collection

The company, Financial Network Recovery, purchased a debt from another company and I had no involvement with the transaction. According to 15 USC 3002 I am a natural person which means my name in all caps is not me. My name is Jahne Greer. 15 USC 1692 ( a ) ( 1 ) the term " Bureau* means the bureau of consumer financial protection XXXX XXXX, XXXX, XXXX, and experian are assumed to be credit bureaus and there is only one bureau and that is the consumer financial protection bureau. On XX/XX/1933, congress enacted HJR-192 to suspend the gold standard and to abrogate the gold clause. This resolution declared that " Whereas the holding or dealing in gold affect the public interest, and are therefore subject to proper regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency... Are inconsistent with the declared policy of congress... In the payment of debts. This resolution declared that any obligation requiring " Payment in gold or a particular kind of coin or currency, or in an amount in money policy ; and ... Every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts. 15 USC 1681 ( 3 ) ( e ) ( elthe term 'investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. Payment is legal tender for public and private debts.
Product: Mortgage

My name is XXXX XXXX XXXX. Due to my wife and I are been XXXX. My wife has been without income for the last few years. My wife has made several attempts to obtain her XXXX income, each time she has been denied. Due to my income being reduced and fixed ; I reached out to my mortgage company to request for assistance. The rate on my mortgage is at a 9.96 % and I owe over $ 69XXXX on my loan. Property value is only $ XXXX. I 'm really in great need of assistance. I reached out to my mortgage company for assistance and was denied. Mu monthly mortgage payment is {$640.00} each month out of that {$640.00} ONLY {$82.00} is going toward the principal balance. Ocwen has denied my loan for modification options at this time. I really need assistance to get this overturned.
Product: Credit reporting, credit repair services, or other personal consumer reports

WFDS XXXX Balance Owed : {$8000.00} XXXX XXXX Balance Owed : {$270.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Product: Credit reporting or other personal consumer reports

In accordance with the Credit Reporting Act, this creditor has violated my rights Under 15 U.S.CC 1681 sec 602, which states I have the right to privacy. 15 USC 1681 SEC 604 A SEC 2. it also states a Credit Reporting Agency can not furnish an account without my written instruction. Under 15 USC 1666B A Creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose. 
XXXX XXXX XXXXXXXX Balance : {$16000.00} ( Late 30 Days )
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Texas, XXXX XX/XX/year> Equifax XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Investigation and Account Deletion Under the FCRA Dear Sir or Madam, I am writing to you regarding the account [ XXXX ] reported in my credit history. Following a dispute with XXXX, this account has been removed from their report because the information was found to be inaccurate or unverifiable. Attached to this letter is the confirmation of deletion provided by the other credit bureau, further demonstrating that the data provided by the information furnisher does not meet the accuracy standards required under the Fair Credit Reporting Act ( FCRA ). 

During their investigation process, the other credit bureau reviewed the details of the debt and determined that the information could not be verified as accurate. As a result, they removed the account from their records. I expect the same level of diligence and adherence to the FCRA 's requirements in your investigation. 

Pursuant to 15 U.S.C. 1681e ( b ), you are required to maintain reasonable procedures to ensure maximum possible accuracy in the information contained in my report. Since this information has already been removed by another credit bureau, I request that you review this account and remove it from my report to reflect the same level of accuracy.

Furthermore, under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I demand that you conduct a reasonable and thorough investigation of this dispute. The removal of this account by another credit bureau strongly suggests that this information can not be verified. Additionally, under 15 U.S.C. 1681s-2 ( b ), the information furnisher is obligated to correct or remove inaccurate data across all credit bureaus with which they operate. I request that you contact the information furnisher to confirm that this information should be removed from your files.

Finally, please note that failure to comply with your obligations under the FCRA may result in civil liability under 15 U.S.C. 1681n and 1681o. I look forward to a prompt resolution of this matter and request confirmation of your receipt of this dispute, as well as the removal of this account, within the 30-day timeframe required by law. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

Debt Collector never tried to reach my personal number and called me for the first time at my work place causing problems with my employer. The decision to call me at work first was clearly intimidatory.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  are reporting incorrectly a charge-off in the amount of {$10000.00} on the XXXX XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) The vehicle was sold at auction and sold for more than what was owed. The amount reporting is incorrect and needs to be reporting a {$0.00} balance. I contacted XXXX and they told me they had no information as to whereabouts of the vehicle and whether or not the vehicle was sold. This false reporting of a charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Chex Systems to dispute the following unpaid fraudulent account listed on my Consumer Report ID : XXXX, XXXX XXXX XXXX. The unpaid XXXX XXXX XXXX account is fraudulent and not my account. I never applied for or had a checking account with XXXX XXXX XXXX.
Product: Debt collection

I am victim of fraud and someone stole my identity and got a cell phone in my name and i want my name to be clear up, Its sad i have to keep going thru this non sense
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an offer for a XXXX XXXX XXXX credit card back in XX/XX/XXXX and received the card around XX/XX/XXXX. For a few years everything was fine then in XX/XX/XXXX or so I received a letter out of the blue stating that the card was closed so I called immediately to be told that they closed the card because they believed it was fraud and identity theft- I explained that I have had the card in my procession for years and that there is no identify fraud happening, I asked how I could prove this as it became ridiculous and this dropped my credit score - so they had me send in all of my information, drivers license, bank statement, social security card etc.. even after all of this they still would not re-open my card. Soon after they listed this card as a charge off on my credit! Even though they advised me that I had to pay it in full /XXXX balance which I did. No matter how much I call or write them they will not change the reporting on my credit bureaus even though they admit that it shows fraud and I explain each and every time, I have also repeatedly try to dispute straight with bureaus and they said its already been investigated.
Product: Debt collection

There is a collection amount showing on my credit file for {$120.00} with Debt Recovery Solutions. Although the amount is not much, it is not mine and I should not have to pay or suffer from the negative impact it has on my credit because the account is not mine. I have been disputing this debt for months now. I have sent several letters to the collection agency as well as the credit bureaus, asking for some type of information on this debt. I have sent letters asking for the original contract with my signature, I have not received any communication from the collection agency or the credit bureau who allowed them to place this on my account without validation. This debt needs to be removed from my credit file immediately because I have no knowledge of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with the Texas XXXX XXXX XXXX XXXX XXXX. My order in the case ended in XX/XX/2021 yet the account still shows to be open. It should be closed. My report showed a late payment in that last month as well which is not correct. 

I have called them and disputed the entry to credit reporting agencies with no luck.
Product: Credit card or prepaid card

On XX/XX/ my card was charged for {$170.00} three times at two different New Jersey convenient stores called XXXX ( a large chain store and gas station in NJ and Philadelphia ) for a total of {$520.00}. I have filed a fraud report, transactions were credited back, and new card issued. I told them I do go to XXXX for food and gas, but only the 2-3 within a few miles of my house. On XX/XX/, I noticed all three charges were placed on my account again. I called the fraud dept, and they claimed that the reasoning was because I have done business there and was consistent with my charges. I explained my Wells Fargo card shows business done at XXXX but only the same ones near my house. Never at any XXXX  in XXXX XXXX. I was also not even in New Jersey that weekend at all. I also have never spent anywhere close XXXX or even XXXX dollars at XXXX So it is not consistent at all. It does not sound like they investigated anything. I have a perfect track record with them. There was no proof these charges were me. I have the card in my possession, I didnt give it to anyone. Possibly was skimmed. They stated they would reopen the claim but throughout the process never provided or asked for any documents or proof of where I was, etc even though I stated I was willing to give it to them. They would not give me the credit back and stated charges would remain as they opened the case again. I dont believe they are investigating it. They told me a XXXX spent at two XXXX  in one day, over an hour away from my house was consistent with my XXXX bucks I spend at XXXX every other week somehow. They told me to send proof I have to print items, then fax it, or go to a branch to fax it. It sounds like it is more work for me.
Product: Mortgage

Well I really didnt want it to come back to this I thought the issue was getting fixed but I guess this is how dealing with Huntington bank is gon na be. I was on here before because Huntington messed up my home insurance and wanted to charge me for forced place insurance but we have gotten past that I was reimbursed and they found that they were at fault and I was not so with that said my roof was paid for so Im very happy they stepped up and admitted to their faults but my ceilings are still messed up from the same incident and some how no one from Huntington knows how to straighten the issue out Obviously if the roof was damaged then the inside ceilings were damaged from the storm but whoever Huntington sent out took pictures of the ceilings and then it was like they were lost and after finally getting ahold of XXXX XXXX ( sorry if incorrect spelling ) enough times she found that the ceilings was denied I cant remember the exact reason but if I remember correctly they tried to say it wasnt from the roof being damaged Which is complete nonsense and just plain XXXX I am not a carpenter or ceiling person but I know what damage is and it also looks horriable I have called XXXX many times and just like before I never get a call back and when she directs me to call Huntington insurance they just dont know what the XXXX is going on or dont know how to do their job no matter who I talk to they send me to this person or this part of the company then they send me back and forth just to waste my time and not get anything delt with Ive called XXXX 3 times in the last 3 weeks and I will be caking Monday to And if shes is not able to get back to me then she needs to get me someone who will and also knows what all has happened This is not the first time I had horrible trouble getting ahold of someone or at least a call back my first complaint was the same I want my ceiling fixed Im tired of this cat and mouse game Their next excuse is probably gon na be its been to long well Thats not gon na fly the time it has taken to get even this far is because of Huntington I want a call from someone whos actually gon na solve the whole issue and is gon na actually call me back with their 24hr call back policy I was told about that no one there follows
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX I am filing this complaint due to XXXX 's, Equifax failure to accurately maintain and correct errors on my credit report. Despite my numerous attempts to address these issues directly with XXXX, they have failed to remove inaccurate negative items from my credit file. This negligence has caused significant harm to my financial well-being, including a lower credit score, denied credit opportunities, and financial stress. 

Specifically, I have identified the following issues : Negative Items That Should Be Removed :
Product: Credit reporting or other personal consumer reports

Recently, I pulled my credit reports because I want to apply for a mortgage loan. In doing so, I noticed that I have a number of unauthorized accounts listed on my reports. Not only are these accounts unauthorized, but they are inaccurate, incomplete and unverified. I did not give consent to the reporting of these unauthorized accounts and need these accounts removed immediately because they violate my consumer rights and ruin my reputation with the banking system. I don't have any contracts with these creditors that listed these unauthorized items on my reports. THIS IS UNFAIR AND INACCURATE. I need a new home for my family and the inaccurate items on my inaccurate consumer reports is unfair and will ruin my chances at getting a home for my family. I MAILED LETTERS TO XXXX, EQUIFAX, AND XXXX ON XXXX XXXX AND HAVE YET TO HEAR FROM THEM. IT IS NOW XXXX XXXX WHICH IS LONGER THAN 30 DAYS. YOU MUST DELETE AND REMOVE THE DISPUTED ITEMS IMMEDIATELY
Product: Checking or savings account

On XX/XX/XXXX I received a debit card in the mail for a new account with Netspend. Yesterday ( XX/XX/XXXX ), I spoke to a customer service representative to report this as a fraudulent account. They instructed me to report this to the FTC and said they would close the account at the close of business. I asked if I would receive a confirmation of this and they replied that an email would be sent to the email address on file. I told them this isn't a good idea, because it was a fraudulent account and, thus, the email probably wouldn't make it to me. They said there was no other option, so I asked to be transferred to a supervisor- at which point I was left on hold for 20+ minutes. I had to hang up because I needed to move on.
Product: Consumer Loan

XXXX of XXXX, XXXX sold me a car and after 6 weeks, the car had trouble. So, I took the car back, and XXXX gave me a loaner car. I explained to them that I could only afford a certain note amount. XXXX allowed me to keep the loaner car, but the car note doubled. Now Santander Consumer contacts me up to 7 times a day if I 'm late by a couple of weeks. Sometimes they even call me early in the morning waking me up and late at night.
Product: Debt collection

On XX/XX/XXXX XXXX XXXX  contacted me trying to collect on a debt that is past the statue of limitations. The debt amount is {$830.00} ( {$1700.00} with interest ). I followed up with the original debtor of this debt, HSBC Bank and found that this debt was originally charged off in XXXX. They also were very nasty to me on the phone and threatened to bring me to court ( sue me ). At that point I asked for the account information in writing ( postal mail ) which they refused to do. They also took til XX/XX/XXXX to furnish a copy of the debt letter ( attached ) in which their letter states that I had til that day to settle the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been nearly two months since I mailed letters to the credit bureaus but I have received no response from them. It is my understanding they have thirty days to respond so they have gone far past the deadline at this point. I sent the first letters XX/XX/20. I sent more letters on XX/XX/20, but at this point I don't believe I will receive a response so I am asking for assistance. I will attach the first letters with this complaint.