23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

1.Wells Fargo Mortgage ( " the Bank '' ) has held mortgage XXXX on my home since XX/XX/XXXX. 

2. I have made transfers from another Wells Fargo account to pay this mortgage since that time.

3. At no time have I been in arrears with the payment.

4. Unlike transfers to other accounts, to other persons or businesses, Wells Fargo 's online transfer system will not allow customers to amend or alter the transfer information for mortgage payments, so consumers must rely on the Bank to make any necessary changes.

5. In early XX/XX/XXXX, the escrow for insurance payments on this loan was removed since I make the insurance payment myself. ( See escrow cancellation letter from Wells Fargo attached. ) 6. Removing the insurance payments from escrow resulting in a reduction of monthly mortgage payment from {$1500.00}, payable in two installments on the XXXX and XXXX of the month in the amount of {$770.00} each, to a monthly payment of {$1300.00}, payable in two installments on the XXXX and XXXX of the month in the amount of {$690.00} each. 

7. On or about the XX/XX/XXXX I called the Bank to have the monthly payments changed to reflect the reduction in monthly payments and was assured this was accomplished. 

8. Subsequent checks to my online account showed the reduction in the required transfer amount had in fact, NOT been made. 

9. I spoke to the bank on four separate occasions, spoke to two supervisors, and was assured the issue was resolved each time. One of the Bank 's representatives said the matter would be resolved by XX/XX/XXXX and that an email would be sent to me confirming the resolution. ( See email from Wells Fargo dated XX/XX/XXXX attached ) 10. Despite the Bank 's representations to the contrary, as of XX/XX/XXXX, the reduced payment amount for monthly transfer has not been set up by the Bank. ( See screen shot attached, taken XX/XX/XXXX ) 11.  Given the Bank 's history of illegal practices, and the false representations I have received from multiple representatives about this issue, I have no reason to believe anything they say. 

12. I would like written confirmation that the reduced transfer payments of {$690.00}, payable on the XXXX and XXXX of the month have been set up by the Bank. 

13. The amount at issue in my case is not great, but given the Bank 's past practices, if this were done to millions of consumers, it would illegally enrich the Bank by a pretty penny.
Product: Credit reporting

I have paid my account to XXXX for the amount of {$180.00} and I called them several times to make sure they already report it to equifax credit bureau and they say yes but my credit report it 's still shows not paid.
Product: Credit reporting or other personal consumer reports

Disputed a closed account that has been written off XXXX XXXX  report number XXXX with Experian and all was done no verification just said account information was updated I disputed it to be removed from my credit report according to 15 USC 1692 C.

I Disputed a closed account that has been written off XXXX XXXX  report number XXXX with Experian and the only response was account information has been updated no verification of debt letter no authorization for debt by me I dont believe that it was handled according to 15 USC 1692 C the fair credit reporting act and should be removed from my report as disputed.
Product: Credit reporting or other personal consumer reports

Experian, has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer- provided evidence to furnishers, accepting unreliable responses., and failing to adequately notify consumers of dispute outcomes. Where these companies has neither corrected nor removed disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I uploaded a letter to Experian, XXXX and XXXX and asked if they could send me copies of the documents used to verify the accuracy of the account on DATE SUBMITTED. They sent me an alert which said the account was updated and the companies verified my accounts. I asked for proof of any files to verify these accounts and if there are not any, please delete these accounts. Experian, XXXX, or XXXX does not have any files to verify these accounts, nor will they delete it.
Product: Debt collection

After repeated Calls with and without Voice Mail, after sending 2 Cease Communication letter they continue to call my Cell number.
Product: Credit card or prepaid card

There was a fraudulent charge on my Bank of America credit card ending XXXX in the amount of {$6500.00} at XXXX on XX/XX/XXXX. 

I departed the United States on XX/XX/XXXX, and returned to the country on XX/XX/XXXX. I talked with a fraud claim representative who confirmed there was a new card sent to me in XX/XX/XXXX. I didnt take the old card with me when I left the country, and I never received the new card in my mailbox since I was not even in the country. 

I filed a claim in XX/XX/XXXX and was denied in XX/XX/XXXX. I asked them to reopen the case shortly after it was denied but only got another denial in XX/XX/XXXX. It has been 8 months since this was initially reported, and I'm still paying the minimum monthly payment to keep my account in good standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I signed up for this line of credit my checking account was linked and payments were made automatically each month. At some the company experienced some technical problems and they could no longer link my checking which I was not made aware of. Once I checked my account I saw a minimum amount due and paid it in the app as a one time payment using the same account they were supposed to have connected. I verified that my bank has not refused any payments by grain. I tried to find a number to contact them but could only try by sending email correspondences and requested they call me. I had no way to re-established auto pay and no one to discuss any credit issues due to there own system failures. I tried for 2 months and I even paid the account in full became they simply can not fix there issues. They reporting my account delinquent In error and I have pleaded with them to make the corrections asap as this is affecting me adversely I have even paid them in full. According the the BBB they have a substantial amount of complaints regarding this very issue. I also noticed they deducted an annual fee of XXXX and a payment during the month that they claim they could no longer connect to my checking account which appears to be a glitch in there system. I was not aware that the fee would be deducted from my checking account instead of just charged to the like most fees and did not provide permission for this yet they are reporting my account delinquent when in fact they took out more funds that they were entitled to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are inaccurate. I hope you can help me get this corrected. 

Date Last Active : XX/XX/2019 XX/XX/2019 Date of Last Payment : XX/XX/2019 XX/XX/2019
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report leaving inaccurate or unverifiable account unresolved. The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts as Experian 's inaction violates federal law and my rights as a consumer.
Product: Debt collection

I have previously disputed this with credit with credit bureau and have not received validation of debt
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1692b- Acquisition of location information, Not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. This is a violation of the consumer laws and my rights as a consumer. This act was made by the following companies, AXCSSFN/CNGO XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I stopped using my Capital One card some time ago. Capital One assessed and annual fee and at some point had disabled my text alerts. I did not get any payment notification or alert of an issue. Then they assessed fees and report me to credit bureaus for an annual fee which is NOT legal.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to be remove from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$100.00} XXXX XXXX XXXX Balance : {$16000.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$370.00} XXXX XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX XX/XX/year> XXXX  XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX  XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX  XXXX XX/XX/year> XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year>
Product: Student loan

I received a notification about a delinquency on my College Ave student loan accounts the loans have been paid off since XXXX of this year yet I received three delinquent notifications on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX My credit score drastically dropped ( roughly XXXX points ) and Im having a hard time understanding why. All my loans were paid in full and on time
Product: Debt collection

In XX/XX/XXXX I contacted by phone XXXX XXXX XXXX XXXX to setup Internet for my apartment. In exchange for agreeing to one year contract to keep the Internet service the company agree to price lock of two year and give me a tablet computer with 100 mb of data per month. In XX/XX/XXXX I  move to a place where I had a choice of Internet providers and I returned all of the equipment that the company requested me to return and paid the finial bill and closed the account with no money due. Now XXXX XXXX XXXX has turned over my account to and ERC account number XXXX phone number XXXX. XXXX XXXX. XXXX XXXX, XXXX, FL XXXX. 

Since all terms of the original agreement has been satisfied I consider any attempt to collect on a debt to be fraudulent on the part of this company. The company has placed a mark on my credit report and I would like this removed and the company clear this fraud immediately. 


Thanks, XXXX XXXX
Product: Credit card or prepaid card

I opened an account via XXXX XXXX 's website for an credit card called XXXX After filling out application received card. After a month with the card, I was not comfortable with the telephone customer service and the lack of information you receive on their website. I paid the balance in full and requested my account to be closed. They later billed me {$59.00} for Annual Fee and told me it was on the forms I filled out. I advised I never received any notice or forms stated that. I requested an supervisor and they refused to give me a supervisor. I later called back and given the same run around. I wanted this fee credited off the account and not to reflect as an balance on my account. The account is less than a month old and I never heard of you paying an annual fee when you close an account. 

The customer service was very unhelpful when I called to address concern.
Product: Debt collection

Pursuant to 15 USC 1692a ( 3 ), I, am the consumer.

Each month, Bank of America sends a statement, alleging that i owe a debt. Pursuant to 15 USC 1692b ( 2 ), a debt collector shall not state that a consumer owes any debt. Pursuant to 15 USC 1692a ( 5 ), debt is an obligation or an alleged obligation to pay money from a credit transaction. Pursuant 18 USC 8, that obligation of debt belongs to the United States, not I, the consumer. 

On Monday, XX/XX/2021, I sent Bank of America an affidavit of truth, affirming my consumer rights and stating all violations they have committed. I also sent a cease and desist, demanding they stop all communication regarding this alleged debt, through any and all mediums, affirming my rights and requesting my specified remedy, pursuant to 15 USC 15 USC 1692c ( c ) ( 2 ). I also sent exhibits, highlighting and labeling the violations committed ; as well as sending a Bill of Particulars, calculating all the violations committed, assessing these damages, pursuant to 15 USC 1692k.
Product: Debt collection

I have contacted representatives of this company since XXXX of 2017 to remove there report of a debt the was already paid to their client prior to them contacting me. I have been threatened, called a liar and fraudulent when asked to provide them with my proof after being declined. They have no interest in resolving this issue professionally and never sent me any documents prior to my knowledge of them nor after requestesting all information in regards to this debt they claim I still owe. Their client, XXXX XXXX XXXX is no where to be found on BBB or online anywhere yet they refuse to remove the negative reports to credit bureaus. Whenever i seethe words of lawyer, lawsuit, original documentation, I am hung up on. This isnt right!
Product: Credit reporting or other personal consumer reports

I'm concerned about the unfamiliar inquiries on my credit report that I didn't applied to. I didn't authorize or consent to this company accessing my information, I'm trying to understand how and why this happened and it's causing me a lot of stress and XXXX
Product: Credit reporting or other personal consumer reports

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - CFPB DELETE Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Please ensure that all information is accurate Account Name : XXXX XXXX XXXX Account Number : XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, I reported 8 transactions for fraud, because I did not make these transactions. CIti however found me responsible for these transactions even though I did not place these purchases. Citi called me asked me 3 questions, and automatically made me responsible for them. I am requesting written documentation and proof from the merchants or vendors for these transactions. Also requesting written documentation and supporting documents from Citi on why these transactions are not fraudulent. Feels like Citi is just automatically assuming responsibilities on the consumers.
Product: Mortgage

I have been paying my mortgage through a bankruptcy trustee. All the payments have been sent. I noticed in XXXX the balance was larger than it should be I contacted the company and was told once all the payments were made from the trustee the account would be paid in full. I call or email every month after that intial conversation because even though im being told the account is being fixed it never is and i continue to receive incorrect statements. So i start emailing and calling each week being assured the account will be paid in full once the last payment from the trustee is sent. For the last two weeks ive been told the account will be closed out. I tried to follow up only to learn the person handling my account issue will not be back for a few weeks. I'm tired of running in circles and would like my deed sent to me. The account has been paid in full.
Product: Debt collection

Sheriff arrived at my home on XX/XX/2023 to serve me with papers for debt collection with NO prior communication from the debt collector by mail or phone. 
Summons came from XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, XXXX, CT XXXX on behalf of Wells Fargo regarding a Breach of Contract for a credit card in the amount of {$9000.00} plus attorney fees. 
There is no history in my phone log from the number associated with the summons. 
There were no voicemails left by the party or any physical mail received in an attempt to collect a debt prior to the summons.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase Card has a charge off account on my credit report that does not belong to me. Because of this, my application to rent has been denied. I have another dispute with XXXX because of their failure to verify this with Chase They did not even attempt to contact Chase. The account was last active in 2013 and in Nevada, this should have been removed 2 years ago to the state statute.
Product: Debt collection

I have never received anything from IC Systems. I have never heard of them. I have no debt and a clear record except for this bogus filing. I have disputed it, still never received any information, and they only site the FCRA as a reason to leave it. However I have opened no accounts within the statute of limitations in the state of GA. Please help!
Product: Checking or savings account

Hello I am writing this email in regards to an incident that happen on XXXX XXXX. I deposited {$1000.00} into a Bank of America ATM located at XXXX XXXX XXXX XXXX XXXX, TX XXXX Drive thru, the ATM had taken my funds, and didn't put it into my account, but it did print out a receipt that states " We apologize for the inconvenience. We are unable to process your request and can not return your items. Please contact our Electronic Claims team at XXXX to discuss this transaction. I went into the bank on XX/XX/XXXX and they said they couldn't do anything for me, and I would have to just call the number that it said call. So I called and put in a claim and my funds were credited to my account, and this was on XX/XX/XXXX. On XX/XX/XXXX the claims Department stated they were successful in locating the original transaction, but they didn't locate the cash, so the credit that they had put on my account will be taking back from me. So I had the claim researched again. The claims department now states that they found the funds XXXX but only partial XXXX {$550.00} XXXX, and that the other {$460.00} will be debited from me on XXXX/XXXX/XXXX. I just find this very strange that at 1st they stated they could not find the funds and now they found it but only half of it, my question is what happen to the {$460.00} that they started they could not find. I have been a customer of Bank of America for over 10 years I have never had a problem with Bank of America. 

XXXX XXXX, in the claims department stated he was going to call me back on XX/XX/XXXX and, still haven't reached back out to me about my claim.
Product: Debt collection

There has been a debt collection report on my credit report. I've filed a multiple disputes, but each dispute is closed without correcting this error. This debt and the one listed on the collection agency 's website have already been paid in full, yet the collection agency CCS Collections, refuses to correct it. 

On my credit report is say the debt is for XXXX however on it's website it says XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a XXXX credit card in XXXX. I have used it as my primary credit card since that time, and have used it as my sole credit card since XXXX. For the past few years, XXXX has failed to report my credit card -- which I have had for 26 years and have paid on-time for all of those years and in full for well over a decade -- to XXXX of the XXXX major credit reporting bureaus. While this was a minor annoyance in the past, I would now like to take out a home equity line of credit to replace my roof and fence. Because XXXX does not report my card, which would be the oldest trade line on my account and would have a sizeable impact on the percentage of credit available to me that I access ( it has a {$25000.00} credit limit. I use between {$3000.00} and {$5000.00} each month and pay that amount in full each month ), the non-reporting means that my credit file is thin and that my score is lower than it should be. I opened a new credit card XXXX months ago because I need something on my credit report. I was denied for XXXX cards and finally approved for XXXX with a {$2500.00} limit because my credit file appears thin and my score is lowered due to the non reporting of this longstanding, paid in full and on time, tradeline. I have called the credit reporting bureaus and they tell me there is nothing they can do. I periodically call XXXX and the customer service rep claims to escalate my concern to an " offline '' group that I can not talk to. Then, I get a form letter in the mail about a month later telling me that their investigation concluded that I can report my concerns about my credit to them at any time. This is not a solution. I need access to credit so that my house doesn't fall into disrepair and XXXX 's decision not to report my payments on this very longstanding card are hurting me. I'm doing what I can to build my credit but having a {$2500.00} credit limit on a brand new card isn't doing much. Also, the last time I called XXXX, the customer service rep offered to connect me with a XXXX who could discuss my credit reporting issue. He transferred me to XXXX. Which can not help me. When I contact XXXX, there are not human beings that answer their phone. I am able to go on XXXX 's website where I can giver permission to XXXX to link to my XXXX credit card to pull monthly payments that it alleges will improve my score, but even though they are going through my credit card payments and charges, they can not add my credit card to my file. I can not even with this. Transunion has staff who answer the phone, but they can not provide any information about how to fix this problem other than to call XXXX again, which I've explained is useless. This has been going on for years now, and it was kind of silly at first, but I now realize that it is actively harming my ability to function in society even though I have a well-paying job and decades of on-time payments. I am out of hope and ideas and am just waiting for the day that my roof starts leaking, damaging my home because no bank will lend to me.