23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I require your assistance. On XX/XX/2016, I received a letter from Wells Fargo Home Mortgage along with a {$790.00} check # XXXX, dated XX/XX/2016. The letter stated that they returned my payment because it was less than the total amount for full contractual payment. In the past, they have accepted partial payments and also on more than one occasion, 2 payments within a month. 

Since I have been serviced by Wells Fargo Home Mortgage, I have been misled, intimidated, threatened, as well as lied to. I desire to keep my home, and Wells Fargo sent a notice regarding foreclosure. Wells Fargo employees have told me to " get rid of my car '', cable, cell phone, internet, etc. I 've lived in this home over 18 1/2 years, and I am now a XXXX. I do not appreciate this type of treatment. Home appraisers have appeared on my property unannounced. I have been served with a summons ; and received harassing phone calls at all hours. XXXX. 

About four years ago, I called Wells Fargo & repeatedly questioned the letter I received about sending payments to another mortgage company. I was finally told to continue sending my payments to Wells Fargo. 

In addition, I have been charged late payments, due to the timing of my income, which is two weeks after the due date. Time and time again, I have explained this, but without resolve, adding more stress. I also explained to Wells Fargo that I receive my income on the 4th Wednesday of each month. This is the reason I have sent late fees with my payments. My attempt to split the monthly payment was denied. The last payment I sent was returned after a month. 

Although I am applying for a loan modification, I am having difficulty. Several Wells Fargo employees told me information inconsistent with what the others have said. It was suggested that I call a representative with questions and/or problems and I would be contacted. There has been no response to my voice mails. The information that I was asked for, was supposedly being added to " the system ''. Later, another employee asked me for the exact same information, later apologizing for the error. It is both disgusting and humiliating to hear such lack of integrity by those who represent Wells Fargo. 

I wish to send the last payment again, but fear it will be returned. The {$4800.00} balance owed, ( I was told by phone ), would be added to the end of my mortgage. The half ( {$2400.00} ) I offered to pay was refused and I have not been assured in writing, that the final balance would include the past due amount. 

Speaking to a department head or just getting his or her phone number was hopeless. Either I was told they did n't know who it was or could not give a telephone number. This is a dilemma that I am unable to solve alone. Up to now, no one has answered my appeal. I am not in any way refusing to accept my responsibility and I 'll not give up or walk away. 

Thank-you in advance for helping me to resolve this matter.
Product: Mortgage

My current Mortgage holder sent me an Escrow Analysis Statement in XXXX 2016. On the form, after review, I found countless errors in the statement. I called the Mortgage holder and they agreed there were errors, and they sent me a revised statement, that still contained errors. At this point, they refuse to do another analysis claiming that their numbers are correct. I spoke to a supervisor and she refused to honor my request for another look into the statement. Currently my mortgage contract states that 2 months of escrow may be held in reserve. The are asking for {$60.00} additional to supplement the " projected '' low balance, when in fact it is only about {$10.00}. The original statement they sent was asking for over {$400.00}, but I could not make any of their numbers match up. I suspect they are doing this to XXXX customers as well. I have a signed contract with these people and they are failing to abide by that contract or the fair credit lending act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECEIVED A CALL FROM A STUDENT loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX {$240.00} XXXX XXXX XXXX {$4600.00} XXXX XXXX  XXXX {$270.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my wr

itten instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency if the person knows or has reasonable cause to believe that the information is innacurate
Product: Debt collection

I'm disappointed with the dismissal of my identity theft claim, citing an error or misrepresentation. This raises concerns about your authority to determine material facts. It's crucial to note that your role doesn't grant judge or jury powers. Following FTC guidelines, an identity theft report with a law enforcement agency ( FTC itself ) warrants a thorough investigationXXXX XXXX XXXXXXXX, XXXX. XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX 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 XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX and XXXX XXXX XXXX XX/XX/XXXX. I'm offering XXXX final chance for you to address my request. Failing to do so leaves me no option but legal action.
Product: Mortgage

I have contacted our HELOC lender regarding the incorrect flood escrow collection on this mortgage. I explained we already have our first mortgage is collecting the escrows. HELOC 's do not require to collect escrows. I have emailed and spoke to someone 3 times and all I get is a case number. We have an Auto-Pay deduction from HELOC in which the lender deducts the mortgage payments monthly. In spite of me letting them know numerous times and documented paper, they still deducted the flood escrow from our account. Our mortgage payment is {$380.00} and we pay {$380.00} on time. They are now additionally deducting {$100.00} for flood insurance escrow for a total of {$480.00}. This is an error on the lender 's side.
Product: Credit card or prepaid card

XX/XX/2022, I previously notified you that I am a victim of identity theft, and requested that you do the following : Close the unauthorized account, Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files. 

For the following account : Acct name : XXXX  Acct # XXXX I had enclosed a copy of my identity theft report with the written letter I sent out in XX/XX/2022 Because the information you are reporting is the result of identity theft, and inaccurate. 

I still have not received written confirmation of these actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

. 
Here is my complaint, after much research and develop, I dispute the collected data. The marks are prejudicial ; derogatory, non-credit worthy, in-correct & dispute citations reported by XXXX, XXXX, and XXXX. Do these agents take any responsibility according to ( F.C.R.A. ) Fair Credit Reporting Act XXXX against { RECEIVABLES PERFORMANCE }? So I submit to you for examination, that this data also made by XXXX, XXXX, and XXXX violator of the ( C.C.P.A. ) Consumer Credit Protection Act XXXX  because its a consumer. 
XXXX XXXX XXXX said, An unfair law is no law at all its that unfairness which certain aspects are reported while others omitted, its unnecessary complex. I consider fair is removal of all negative citations which prejudges another. Since this type of reporting to perspectives like businesses, creditors employers alike ( places rose colored glasses on their eyes ). Hence it must be fair since both are looking for honest brokers. Fair is stated, PAID/CLOSED and REMOVE ALL HARD /SOFT INQUIRIES reflected.
Product: Debt collection

mission financial sued for the remaining amount on the truck for XXXX then they reported XXXX on the credit report. they are displaying unfair debt practicies by re-aging the debt and changing the amount owed. Everytime I call they give me a different amount but they put XXXX on my credit report. They clearly have violated [ XXXX XXXX ] subsection XXXX ( XXXX ) my mis-representing the amount owed.
Product: Money transfer, virtual currency, or money service

Binance as a whole does not help anyone with anything. They have never stopped tweeting, advertising, gloating and talking on all social medias, but tell the people waiting on their terrible horrnedous customer support that they are " on it ''. I am out XXXX of investing money for 2 months now without any end in sight. Complete joke of a company that has a value XXXX XXXX. 
I sent stellar Lumens to XXXX without a memo, so it goes into a fund that sits and waits until you claim it. I have done just that to no avail. 
My username is XXXX on binanceus I have provided them the transactions, video of me saying what they wanted me to say, the balance, EVERYTHING. Need someone with some sort of power to let them know this isn't ok and that we want our money NOW.
Product: Payday loan, title loan, personal loan, or advance loan

On Monday, XX/XX/XXXX, I visited the Wells Fargo location at : XXXX XXXX XXXX XXXX, XXXX, VA XXXX to access my Personal Line of Credit. I have had this LOC since XXXX and have always been able to access it, take cash out, etc. I bank with another bank, however, Wells Fargo have always been able to get me a cashiers check or cash from LOC with no problem. 

At the branch today, the employee at the teller line had no clue what I was trying to do. The branch manager tried to help, took two forms of ID, and 20 minutes later, she told me she is not able to help me, I can not access my LOC at the branch and that I will need to call customer service to make a transfer. The manager didn't really want to help.. She could have called her back office line to see what to do, but rather refer me to an XXXX number. 

I called Customer Service, the gentleman was completely shocked that the branch couldn't help ... The rep said he is not able to help me as well and that the branch can help me get cash or a check. 

I am not shocked that this is how Wells Fargo operates, however, if you have a LOC, there needs to be systems in place for customers like me to access it, without having a checking account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was called at my cell phone number (  XXXX  )  XXXX  on   X/XX/17     at  XXXX . The caller id was (  XXXX  )  XXXX  and I answered and heard silence due to the dial being placed with an autodialer. When I got connected, I informed the caller this was a cellular phone and I requested not to be called.   I received another call from  (   XXXX   )   XXXX  to my cell phone number (  XXXX  )  XXXX  on    X/XX/17    at  XXXX . I answered and heard silence again from an autodialer and was then transferred to a representative. She stated she was calling fro m Alliance Group an d  Associates regarding a collecti on matter from   XXXX   XXXX   XXXX   XXXX . She did not give any disclaimer about call recording or give the required mini-miranda disclaimer. I asked why they continue calling my cell phone after I have requested no further calls and why they called with an autodialer and I explained this violates the TCPA. She immediately asked me to commit to payment for a debt I do n't recognize and then made threats to damage my credit and garnish my wages then hung up on me!   I called back  (   XXXX  )  XXXX  and another rep answered and did give a call recording disclaimer along with a mini-miranda disclosure. I asked again why they keep calling my cell phone with an automated dialer and she claimed the number was located through skip tracing and is permissible so I asked to speak with a supervisor. I was placed on hold then the same representative came back giving me a number in South Carolina for me to dial. I asked why I ca n't speak to a supervisor at her location in Pennsylvania based on her caller id. She stated she too is in SC and refused to transfer me and hung up.   I dialed back once more and another female answered and also refused to allow me to speak to a supervisor and hung up on me.   I have searched the internet and I am unable to locate a website for  Alliance Group and Associates and I  question their collection practices. I believe they are deceptive and are not following federal regulations or treating me respectfully or fairly. I feel harassed and with this experience, they have violated the following  : 1. My request to not be called on my cell phone further 2. The TCPA has been violated by calling my cell phone multiple times with an automated dialer 3. They refuse to allow me to speak with a supervisor and hang up on me continuously 4. They did not give all required disclosures ( call recording and mini-miranda ) 5. They are using spoof caller-id numbers to misrepresent themselves as a company local to Pennsylvania - and for no reason ... I live in Florida even though my cell has a PA area code 6. They are making outragesous threats to garnish my wages which is excessive and not permissible
Product: Credit reporting or other personal consumer reports

I requested verification of inaccurate information on an account listed by the credit consumer reporting agencies on multiple occasions from both the data furnisher and the credit reportion agency for XXXX account number XXXX. I also disputed this account directly with the data furnisher and as per XXXX they have no record of this account on file yet they continue to report a derogatory account in my name. I am enclosing the notice XXXX sent me as a reply to my inquiry. Which states they have no knowledge of this account and the letters sent to the reporting agencies I sent last to the XXXX and Equifax which are continuing to violate my right to accurate reporting. Both agencies are reporting different dates of last activity. The are showing a balance for on the account that was allegedly written off as a bad debt. They are reporting different dates of being last reported. How can any of this be accurate if none of the parties involved XXXX, XXXX, or Equifax are showing any of the same information.
Product: Prepaid card

These are two gift cards from my former employer XXXX XXXX XXXX. One is for {$200.00} and the other is for {$300.00}. I wanted to check the balances online and their website keeps saying " unexpected error '' and so I can't check the balances. So I called a few days ago ( phone number on back of cards ) and asked for my balance and they wont give it to me. They kept passing me off to different people and phone numbers, none which answered my question. Then they said the want to do an investigation which will require personal information and I don't feel comfortable giving them ( it's a gift card, not a credit card! ). I then tried to use the cards and neither of them work. So I'm stuck with {$500.00} worth of cards that I can't use, nor can I get any information from the company.
Product: Credit card

On XX/XX/XXXX I called Citi Credit customer services about paying off a balance I had accrued on my XXXX XXXX XXXX. I had a sum of money, and I was figuring out how I could best apply it as payment to various debts, so I spoke with the Citi representative to find out if there was any benefit they could extend if I paid the XXXX XXXX XXXX off in full. The representative told me that if I paid in full, he could forgive XXXX months of interest -- for XXXX, and for XXXX. He said he would handle XXXX that day, and I would have to call back later to be credited for XXXX. I paid my balance in full on XX/XX/XXXX. 

On XX/XX/XXXX, after receiving the billing statement for XXXX, I confirmed that the interested XXXX had been waived as expected. I then called Citi Customer Service to request that the interest incurred in XXXX be waived, as I was directed to do the previous month. After explaining my situation, the representative I spoke with on XX/XX/XXXX said, whatever the supervisor told me on XX/XX/XXXX would happen, and they would do it in a few days. The amount of interest in XXXX that I expected to be credited was {$280.00}. 

On XX/XX/XXXX, I called Citi again because the {$280.00} that was supposed to be waived, was still not applied to my account. I had made some purchases in XXXX, so again I had a balance, but my new balance was less than the credit I expected. I bring this up because I was expecting the balance to be up in my favor after the interest was credited, but it wasn't and so, I incurred another late fee and another month of interest annoyingly. The representative I spoke with that day gave me another number to call, XXXX. 

On XX/XX/XXXX, I called the number I was giving on XX/XX/XXXX. I was connected to a supervisor who had me explain the situation. She had a hard time understanding the problem, as she was referencing the one XXXX Interest credit. Eventually she understood I was expecting a 2nd interest credit for XXXX and agreed it had not been posted. She told me I would be credited, and to expect the payment to be applied in 3 days. 

It's XX/XX/XXXX, and I have not yet been credited the {$280.00} I was told I would receive on 3 separate occasions. I've decided to write this complaint so that I can include it in a written complaint I will send to Citi bank. 

I have detailed notes for each call, that are timestamped in my email inbox if I need to provide names of people I spoke with.
Product: Credit reporting or other personal consumer reports

I came across the cfpb Experian lawsuit. 

I feel I was negatively impacted, hurting my chances at credit after receiving a response to my earlier dispute that the accounts were " verified ''. 


Come with the receipt XXXX or delete please XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Enhanced Recovery Systems for XXXX XXXX and XXXX XXXX XXXX for XXXX XXXX. regarding these fraudulent accounts and they have yet to respond or block these accounts from my credit report. These accounts are not mine I have the identity theft report to support this claim. I am also a victim of the XXXX  data breach, and I am handling that situation as well.
Product: Credit reporting or other personal consumer reports

I am a natural person, I am a living human being. I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681. Equifax has violated my rights numerous times. I demand the accounts listed below be removed according to 15 USC 1681, I have the right to privacy and I did not grant Equifax written permission to furnish these accounts. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Transunion I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX COLLECT Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX FUNDING Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX Date of inquiry : XX/XX/2024 Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX XXXX Date of inquiry : XX/XX/2024 Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX Date of inquiry : XX/XX/2024 Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX Date of inquiry : XX/XX/2024 Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX Date of inquiry : XX/XX/2024 Please remove it from my credit report.
Product: Debt collection

I had a charged off account with Victorias Secret. On XX/XX/2021 I paid the debt in a settlement to Victorias Secret debt collector. My Victorias Secret account shows on my credit report as derogatory instead of paid. I have called and written to Victorias Secret. They will not remove it or state bill has been settled and paid. I have tried disputing it with the credit agencies. Ive paid the debt Im asking that they report it as paid not derogatory.
Product: Debt collection

XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX, IL, XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/year> ] [ XXXX XXXX  ] Re : Dispute of Inaccurate Information on My Credit Report Fair Credit Reporting Act Disputed Item : ( XXXX XXXX ) Dear Sir or Madam, I am writing to formally dispute an item on my credit report under the provisions of Section 1681i of the Fair Credit Reporting Act ( FCRA ), which mandates that any inaccurate or incomplete information be investigated and corrected by the credit reporting agency. This account is listed as a collection/charged off account on my credit report but I have never received a 1099c for this charged off debit. Can you please provide me with a 1099c to accurately reflect this as a charge off for tax purposes and please update my credit report accordingly or delete immediately The disputed item, [ XXXX XXXX ], appears on my credit report and is incorrect. Specifically, I believe that this item is inaccurate As required by FCRA, I request that you investigate this item and provide me with proof of the accuracy of this information. Specifically, I request documentation of the contact or transaction bearing my signature that validates the reported debt. This documentation is crucial in verifying the legitimacy of this entry on my credit report. Please note that under Section 1681i, you are required to complete this investigation within 30 days and notify me of the results. If this item is found to be inaccurate or incomplete, I request that it be removed or corrected immediately. I look forward to your prompt attention to this matter and expect a resolution within the required 30-day period. Thank you for your cooperation. Sincerely, [ XXXX XXXX ]