23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

This is regarding an External Link that was created by my Bank ( XXXX ) in order to transfer funds to Western Alliance for their high yield savings account. I made 5 installments totaling {$3300.00}. I opened an account with an initial deposit of {$1000.00} on XX/XX/year> and several additional deposits overtime, {$500.00} on XX/XX/year>, {$600.00} on XX/XX/year>, {$500.00} XXXX XX/XX/year>, and {$700.00} on XX/XX/year>. 
I was recently a victim of a series of home invasion at my residence where many of my financial and personal information were exposed to the perpetrator ( s ). Most of my accounts were closed except Western Alliance. XXXX was completed on XXXX. My Web portal has been under review and inaccessible which leaves me unable to upload the documents requested on XXXX ( was supposedly to link the external and new link account ) so said by XXXX XXXX XXXX but rather a failed coup to compromise my email XXXX and my cell # XXXX
Product: Credit card or prepaid card

Capital one charged me a past due fee then waived. The rep told me that I didn't have to pay the fee with my minimum payment so I didn't. I paid my bill before the due date but found I was charged again for a past due fee. THIS has to stop. I did not receive credit for any of the past due as promised.
Product: Mortgage

I applied for my first mortgage in XXXX and received a " pre-approval '' in XXXX and XX/XX/XXXX. Now my closing was scheduled for Wed XX/XX/XXXX at XXXX. My loan officer, XXXX XXXX, has coached me on items to resolve in order to receive an approval. I complied. I provided all financials and received approval letters. Once I found a home and my offer was accepted, the contract was sent to Wells Fargo and the process began. 

Throughout this process, I stayed proactive in communicating with Wells by asking what was needed, and status check. Not until the week before closing I received a request for rental receipts from my current residence. I provided that information immediately. Two weeks to closing date I have asked what else is required and may i please have closing instructions. 

Monday morning I sent an email to loan officer and processor requesting closing instructions, no response. Then I received a call Monday XX/XX/XXXX at XXXX stating my loan was not approve without explanation. I sent an email Monday night with questions of clarity of denial and options, no response. 

The morning Tuesday XX/XX/XXXX, I sent another email requesting answers, no response. The closing attorney called my real estate agent stating they were notified by Wells Fargo that my loan was canceled. I have not received any email notification of loan cancelation. I receive a secure email for XXXX XXXX, stating I was denied due to me not filing my XXXX taxes, that was nothing new. Attached it his email was a letter he stated that was generated Monday evening. In order for the denial letter to generate they had to run my credit AGAIN. Wells Fargo never completed their verification process by calling my CPA, who has repeated confirmed that Wells Fargo has not contacted them. Nothing about my financial situation changed since I began this process. 

I have already invested close to {$15000.00} to purchase this home. No one has provided me with a valid reason for the denial. As a single mother of 2 children, I am now homeless because Wells Fargo dropped the ball and I have to turn in my keys to the rental I currently live in and the seller is a elderly widow who is in the process of moving her belongs. There are families being uprooted and alot of lively-hoods being interrupted because of this.
Product: Credit reporting or other personal consumer reports

I have accounts passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

I have received a letter form WINN Law Group dated XX/XX/2017. It stated that the creditor ( XXXX XXXX, XXXX Case Number : XXXX ) referred the debt ( {$6700.00} ) to WINN Law Group for collection. There was an attached showed the Assignment of Judgment from Superior Court of California XXXX XXXX County, District. ( Please see Attached : WLG 1st Letter ) I have wrote a letter to WINN Law Group asked for further verification because I believed that I have no responsibility for this debt and the person under the Judgement was not me. 
WINN Law Group sent me a second letter dated XX/XX/2017 with more evidences such as the debtors social security number, date of birth and address. Obviously, none of these was match my identity. I wrote a second letter to WINN Law Group convincing them that I am not a person responsible for this debt they have a mistaken identity and asked them to remove my name from their record. Please see Attached : WLG 2nd Letter ) Yesterday, I have received a letter from XXXX County of California Clerk-Recorder to inform me that a lien has been claimed by WINN Law Group against my property. Please see Attached : Lien )
Product: Credit card or prepaid card

I have had my credit card with Bank of America for a very long time. I have never missed a payment. I was traveling overseas and a payment was processed and my bank was unable to get me on the phone so it was returned. I had no knowledge of this and Bank of America ran payment again and it was blocked because of an alert on my account.     After the second attempt, Bank of America just closed my account outright and reported me late on my credit.     I have never been late and have been an ideal client. They even closed my bank account and effected my banking relationship.       i had perfect credit and now this has been put on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

The consumer reporting agencies, XXXX, Exquifax and XXXX must correct or delete inaccurate, incomplete, or  unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate.

There exist two public records listed on my credit report that have not been verified by these agencies within the last 30 days. Each one is using old dates as part of their reference, dating back to XX/XX/XXXX and XX/XX/XXXX without either stating a verifiable source, such as the courts. 
Each of these bureaus are in violation of FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute related to the two public records listed on XX/XX/XXXX and Equifax ; and the one public record listed on XX/XX/XXXX. 
These companies have failed to list their sources and confirm the source within the last 15, 30, or 60 days of receiving my prior dispute of this matter.
Product: Money transfer, virtual currency, or money service

Unauthorized wire transfer of {$120000.00} was wired to and from my account without my knowledge or consent. I went and tried to tell the bank to shut down the account and will be changing my number and they have not done so.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE FOLLOWING INQUIRIES ARE FRAUDULENT AND NEEDS TO BE REMOVED : XXXX XXXX XXXX ( XXXX ), XXXXXXXX XXXX XXXXXXXX ( 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 ),
Product: Checking or savings account

I sent a letter to the bank regarding claim # XXXX This transaction is fraud and under UCC section 4-401 the bank needs to put the funds back into my account.

The bank has not credited my account, and therefore they are violating UCC section 4-401
Product: Mortgage

My mortgage is currently held by XXXX via Loancare at XXXX, XXXX, VA. I received a letter dated XX/XX/XXXX from Loancare stating that my escrow account was short {$2500.00}. I found out that my homestead exemption had been filed in the wrong county and had the error fixed. I then provided Loancare the exemption details in an email dated XX/XX/XXXX. I heard nothing for two weeks. I called on XX/XX/XXXX, and was told they needed a copy of the bill they had sent me. I provided this to them in an email XX/XX/XXXX. I waited again and heard nothing. On XX/XX/XXXX, I called and was told they " needed further information '', but they provided me no details on what the information was or what their plan was to collect this information, and whether or not they intended to get it themselves or if I was responsible for providing it to them. They informed me the problem had been " escalated to management ''. I called again on XX/XX/XXXX and was told management should have it resolved by " tomorrow '', XX/XX/XXXX. I have still heard nothing, nor have I had any communication from the company other than automated calls telling me I have to pay them. Due to this escrow miscalculation, the company is demanding that I either write them a check for {$2500.00} to cover my escrow shortage, and that if I take this action, my monthly payment will increase from {$1000.00} to ~ {$1200.00}, or that they can collect the shortage and build enough for next year by increasing my payment to {$1400.00}, a nearly 50 % increase on my monthly payment. I have looked into reviews of this company on several different websites and believe that this is their standard practice, intentionally muddying the waters and delaying escrow assessments in order to make money off homeowners who had no choice when our mortgages were sold to what appears to be a very disreputable company.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX  XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX  on XX/XX/XXXX with a balance of {$1900.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I request the original documentation from XXXX XXXX that is reporting on my credit report in the month of XX/XX/year>. They were not able to provide documentation because the debt and identity did not match to the debt or account information. Under 15 USC 1681e ( B ) they did not report my consumer report with accuracy. They have also violated 15 USC 1681 ( A ) ( 4 ) because you DID NOT report my consumer report with fairness, impartiality, and respect. In fact, you were biased with the instructions that I gave you and decided to do things your way by bullying me and forcing me to accept what you deem verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was incorrect information reported on my credit report. There were two separate loans from XXXX XXXX around {$160000.00} worth of debt. That affects all of my previous loans that were taken out due to income to debt ratio for loans that did not belong to me. Therefore interest rates higher and potentially declined for loans.
Product: Credit card or prepaid card

I have contacted Sears MasterCard XXXX several times from XX/XX/XXXX through XX/XX/XXXX to figure out why I can not use the credit card and every time I call the representatives tell me the card is blocked but they can not tell me what is the reason as to why is blocked and that I need to wait for a letter from the Bank as they will provide instructions on the letter for me to follow as to what to do. 

I have been a customer since XXXX and I have never made any late payments and all balances have always been paid off before monthly statements and it does not make any sense why they are not allowing me to use my card or not giving me a reasonable explanation as to why they blocked the card. They said they have mailed a letter ; however, as of today XX/XX/XXXX, I have not yet received the letter and all my recurring membership services charges like XXXX and XXXX XXXX are being rejected and due to such I am now looking bad with these vendors. 

I need the Bank to mail the letter via XXXX at my home address XXXX XXXX XXXX, XXXX CA XXXX, or email the letter to XXXX or call me at ( XXXX ) XXXX personal cell or at ( XXXX ) XXXX XXXX XXXXXXXX XXXX work number or XXXX to fix the issue ASAP.
Product: Debt collection

We cancelled our service with XXXX, however they continued to charge for services. The service that they provided was not as advertised which is the reason we cancelled.
Product: Mortgage

Right at the start of the new year I logged into my online account on for XXXX XXXX at XXXX ; I wanted to setup an automatic payments ; the website said I already had automatic payments scheduled to take place XX/XX/XXXX. I had also setup contact information for my email and my phone numbers so that when the payment when through or one was due it would text and email me. Come XX/XX/XXXX the payment did not go through. I did not notice until XXXX that I did not pay my bill. The servicer did send me a letter in the mail after the 2nd missed payment but by then it was too late the damage was done to my credit. And the company wanted me to pay late fees. They never notified me via email or text like I had setup. 

Basically their automated system/online system was malfunctioning and still has been. 

In XXXX I contacted them to waive the late fees due to these issues and they waived one late fee and did not waive the other. They told me I had to go on the website and submit a request. I did that and sometime in XXXX they shut my auto payment off again without notifying me. Which caused another late fee and a mark on my credit again. 

Before this time I had never missed any payments and always paid on time. 
I have asked them to provide a letter so I can provide it to the credit bureaus and get my credit back on track.
Product: Debt collection

They are ignoring my written request and not removing the XXXX XXXX of {$330.00} this debit that is not mine, I do not have a XXXX account and they are reporting on the credit bureau I live in Michigan and I never have, this debit is not mine. I disputed with the credit bureau and I am getting the debit is mine. I have lived in NH for over 30 years.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Debt collection

Capital one account ending in XXXX went into collections. In 2014 I got a decision by the debt collection XXXX XXXX and XXXX that my debt met financial hardship and no further collection attempts were going to be XXXX because I opened a dispute capital one is starting collection efforts. The agent at recovery accounts for capital one said that capital one did not agree with the decision, no collection effort were attempted for 5 years, now that I opened up a dispute there starting collection efforts.the amount on this account is XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally complain about Apple Card continued reporting of a fraudulent account on my credit report, despite my prior request to cease this activity. This account was opened without my consent as a result of a data breach, making me a victim of identity theft. Although the account was initially removed, Apple Card continues to report it, which is not only illegal but also a violation of my rights under the Fair Credit Reporting Act. I demand that Apple Card immediately stop reporting this account and that XXXX ensures its permanent removal from my credit report.
Product: Mortgage

Paid off loan entirely on XXXX XXXX XXXX with SLS servicing loans. 
XX/XX/scrub>XXXX XXXX  shows a negative balance of $ XXXX. 

XX/XX/scrub>XXXX XXXX SLS servicing loans transitioned to Shellpoint Mortgage Servicing. 
XX/XX/scrub>XXXX XXXX  shows a negative balance of $ XXXX. 

XX/XX/XXXXXXXX XXXX  called Shellpoint help phone number requesting to close account. Balance has been paid and has a negative balance. 
Representative said to close account I need to contact this email. XXXX I sent email to close account with my signature. Waited 1 week and called about status. 
I was then told to upload document to Shellpoint website with signature to close account. 
XX/XX/XXXX uploaded second letter with signature to close account. 

XX/XX/XXXX called Shellpoint help phone number to request status update to close account. 
Representative said it will take XXXX days to update account. 

Received letter in mail on XX/XX/XXXX and XX/XX/XXXX. Both letters in mail said a separate company is responsible for my loan. The other company is called XXXX XXXX XXXX XXXX XXXX XXXX  Shellpoint has NOT given me a contact number or email for this company. I dont even know who or what this company has to do with my loan from SLS and Shellpoint. 

I cant get this loan account closed no matter what steps I take to comply with Shellpoint company. Need assistance to close account.
Product: Mortgage

XX/XX/XXXX called Lakeview mortgage company ( mortgage has been sold several times ) to remove PMI because of XX/XX/XXXX rule. We were very careful about making sure the PMI was temporary. We have a rather large mortgage payment and wanted the PMI removed as soon as possible, so as we were negotiating the loan that was very important to us. 
When we purchased the house the broker stated that the PMI would be removed when we either owed 80 % of loan or paid on time for two years. My husband and I are retired military and have owned several homes so we are well aware of the process of buying a house. We did our due diligence. When I called Lakeview mortgage they stated that the PMI would be attached to the loan for the duration of the loan. The only way to remove it would be to refinance, which is impossible given the current interest rates. I believe that in the process of buying/selling my loan the PMI status was changed to serve their purposes believing I wouldn't be intelligent enough to understand what was going on, or that I would forget that I even had PMI. How many people have they done this too? I believe we could contact the broker and there is a good chance she would remember us.
Product: Debt collection

The fore more mentioned credit collection agency representing XXXX COLLECTIONS has violated the FCRA by not providing documents to me in regard to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from all my credit files : XXXX, XXXX   and XXXX. 

The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt. '' If WAYPOINT GROUP does not have any documentation, they need to retract this from my credit profile immediately.
Product: Credit reporting or other personal consumer reports

During a review of my credit report a few months ago, I found mistakes related to the XXXX account ( XXXX ). This violates my rights. I have challenged these errors with the three credit bureaus and the creditor, but the responses were generic. Therefore, I am filing this complaint based on my research. The company is violating sections of 15 USC.

15 USC 1681e ( b ) : The information provided to consumers is inaccurate, misleading, or incomplete.

15 USC 1681i ( 5 ) : Failure to conduct a reasonable investigation into disputed information.

15 USC 1681 ( a ) : The inaccurate and misleading information contained in the credit report violates the FCRA 's requirement for fair and accurate reporting.

15 USC 1681 ( a ) : The failure to investigate and correct these inaccuracies within a reasonable time frame is a violation of the FCRA.

15 USC 1681s-2 ( a ) ( 2 ) : Furnishing information to a consumer reporting agency without the consumer 's written instructions.
Product: Credit card

I am writing to file a complaint regarding the denial of my credit card application submitted to Navy Federal Credit Union ( NFCU ) on XX/XX/year>. I was informed of the denial on XX/XX/year>, and I know this denial may have violated my rights under the Equal Credit Opportunity Act ( ECOA ). I extended my credit to them and recived nothing.