23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

wells fargo refuses to give me the title company information wells fargo falsified my title to allow the modification. 
Wells Fargo is skirting around the title issue. they provided a XXXX page title saying this is all they found when they completed the modification a judgement. judgements do not go on title liens do. 
there were XXXX and attached is XXXX pages showing the total title wells neglected to obtain. if the title company had completed there job properly these would have been found and addressed over 2 years ago when the modification started. they say everyone else is wrong but them. 
they saw the errors, the now about the phone calls I received to redo modification papers 6 months later, they know there was XXXX XXXX title insurance on my policy when I took my mortgage out. XXXX XXXX covers : XXXX ) If the declaration creates a lien for maintenance assessments, all assessments outstanding for the period of time prior to closing must be paid and the declaration must state that the assessment lien is subordinate to the lien of the insured mortgage. In the states of XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX state law provides that certain condominium assessments have priority over first mortgages. In those states, do not issue the XXXX Endorsement XXXX on first mortgages unless you delete paragraph XXXX or unless you add an exception pursuant to our local underwriting guidelines ; otherwise, you should issue the XXXX XXXX endorsement in those states or you should secure specific underwriter approval. In many states, assessment liens are superior to all mortgages except first mortgages. In all states issue only the XXXX XXXX endorsement on Loan policies covering subordinate mortgages unless you secure Underwriter approval to issue the XXXX XXXX endorsement. 

so again wells takes no responsibility for there mistakes. 

I will be calling XXXX to discuss the errors and refusal by Wells Fargo to deal with there errors properly. 

by closing this case and saying there was nothing you did wrong is a joke. 
I do not believe this was handled properly at all by anyone at wells fargo. 
so now I take my fight higher since YOU STILL DO NOT CARE HOW YOU FALSIFY DOCUMENTATION AND THEM BLAME A BORROWER, advise why title was changed, advise why you did n't provide the liens - there are no XXXX different title reports and it is not based on the county since the same title companies provided the paperwork but yours did n't show the truth.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

2nd Call, XXXX2017 around early afternoon..I answered, a " robocall '', ,says, ,If I did n't call back within 24 hrs, they were going to find me arrest me, ,go to jail..First time a lady there, yelled at me saying if i did n't make good on the debit, She was going to call the authorities. It was over a Payday loan over 7-9 yrs ago. 
The amount she said was about / give or take,, {$1100.00} dollars ... I believe the statues of limitations has entered. 
I told the lady the 2nd time, ,that Payday loan was not in there records..I did check it out. 
So is this company still trying to contact me over a debt 7-9 years ago? Of the 2nd phone call, ,she did say what phone service i had..The company was out of XXXX, Ga.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX refuses to remove fraudulent inquiries from my credit report!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Report Act ( FCRA ) this creditor has violated my rights. under 15USC1681 sec 602 states I have the right to privacy.15USC1681 sec 604A sect 2 states a consumer reporting agency can not furnish an account without my written instruction. Under 15USC1666 ( b ) ( A ) A creditor may not treat a payment on a credit card account under an open-end consumer credit. 15USC 1681A 2 ( a ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ACCOUNTS : XXXX XXXX XXXX XXXX : XXXX ( XX/XX/year> ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These reports are incorrect. I have requested that the credit companies remove them but they have not. The dates are wrong, the accounts are wrong altogether. 
I have sent validation letters to all XXXX bureaus. XX/XX/ I have disputed them multiple times, XXXX XXXX and XXXX
Product: Debt collection

ERC ACCOUNT NUMBERs : XXXX XX/XX/XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you ERC or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : ERC or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit card or prepaid card

I am a struggling single parent who lives in the state of Georgia. I received a payment for child support in the amount of {$910.00} on XXXX XXXX, XXXX. I was told of the child support office that am suppose to receive an Eppi Card. I waited on the card for several weeks and of course the card never came because they sent it to the wrong address. I usually get my money direct deposit so I did n't understand why I 'm receiving a card in the first place. I went back and forth between GA child support services and Eppi Card for about two months. I finally get a child support rep on the phone who tells me your money has been deposited on the debit card and your going to have to deal with them. I call Eppi Card and they swear I 'm not in there system this goes on for weeks. I finally get a rep on the phone who asks me about previous addresses. I told her about an address that I lived at 12 years ago. She gets me over to a supervisor who tells me to fax over my social security card and GA license. I send over the information on XXXX/XXXX/XXXX. I was told to wait 48 hours for my information to be updated. I waited and contacted Eppi Card, I was told by a supervisor to send the information again. I do n't have a fax machine so I 'm spending money at the local XXXX XXXX everytime I send a fax. I send the information again XXXX/XXXX/XXXX. The information gets updated and a card is sent to my address. I open the card and try to setup a pin number to activate the card, " your information you provided is invalid ''. I try again and get the same error. I speak to a representative who tries with me and get locked out of the account which means I have to wait 24 hours. I wait and try again.. samething. I speak to another rep who sends me another card ... same problem. I am currently unemployed and depending on this money to pay my rent and utilities to tie me over until I can find employment. Rent time is coming up and if I do n't have the money me and my children are homeless. I let them know why I need this card to work. I call everyday to no avail. I speak to a rep XXXX/XXXX/XXXX who tells me he 's sending another card. My rent is due and they are still sending cards that do n't work ... this will be the third one.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following credit inquiries are fraudulent, unauthorized, not mine and from the XXXX XXXX XXXX XXXX XXXX  XXXX  major data breach that occurred on XX/XX/2018 : XXXX  XXXX XXXX XXXX, XX/XX/2018, XXXX XXXX XXXX, XX/XX/2018, XXXX XXXX, XX/XX/2018, XXXX, XX/XX/2018, and XXXX XXXX XXXX, XX/XX/2018.
Product: Checking or savings account

Good afternoon, I was banking with Wells Fargo and I just recently had an issue with my bank account that someone deposit a check of {$6900.00} in my account ( XXXX XXXX XXXX and that was the cause of the closure with my account. That same day I did get my check from work deposit from XXXX XXXX XXXX  that was {$1300.00}. I did speak to loss prevention about the activities that were made in my account and did a report that I didn't deposit that check in my account the {$6900.00}. Every since I haven't had no answers of my check that was deposit in my account of {$1300.00}. I had spoke again to a loss prevention in regards of the check I got deposit from my job if I willl be receiving it through mail and they told me to contact them XXXX XXXX XXXXXXXX once the account is close they will see if I had any funds available. I Called again to Wells Fargo loss prevention and I spoke to someone els today and told me they didn't see anything about my check that I got from my job and will send out an email and to just give them back a call again XXXX to see what will happen. Im honestly tired of hearing different answers from different people. I just want whats mine. I get paid every XXXX and XXXX I have been almost 18 days that I haven't had any money on me. until barely yesterday that I got paid. which its making really tight money wise because I pay rent, bill, my car and etc... I hope someone can help me with this situation im going through all I ask is to just get back whats mine from my deposit I got from my job.
Product: Mortgage

To whom it may concern, I started to pay my mortgage on  XXXX   XXXX  at the amount of {$3100.00} as monthly payment. For  XXXX  quarter of  XXXX , there was a property tax credit of {$820.00} due to  XXXX   XXXX   XXXX   XXXX , so for  XXXX  quarter of  XXXX , property tax was {$1700.00} instead of {$2500.00}. At that time I contacted the mortgage lender and they reduced my monthly payment from {$3100.00} to {$2900.00}. That adjustment should last only for 3 months, but they made a mistake and continued to until  XXXX   XXXX . Now they increased monthly payment to {$3500.00} starting from  XXXX / XXXX / XXXX  which I ca n't keep up with.   I contacted them many times to resolve this matter, but the vibe I got is they want to rip me off. I bought this property on  XXXX / XXXX / XXXX , so the  XXXX  quarter of  XXXX  property was already paid by the previous owner on  XXXX / XXXX / XXXX  as shown in "  DOC431.pdf '' . And  XXXX  quarter of  XXXX  property tax assessment was right due to  XXXX   XXXX   XXXX   XXXX . so escrow account shortage was starting from  XXXX   XXXX  to  XXXX   XXXX  for the property tax miscalculation by lender at the amount of {$270.00 } (  {$3100.00} - {$2900.00}  ) ev ery month.So for total 11 month s (  from  XXXX   XXXX  to  XXXX   XXXX  ), the escrow shortage should be {$3000.00 } (  {$270.00} x  11 ).  But the lender kept saying the shortage is more than {$5000.00} with ridiculous lies such as they paid  XXXX  quarters of tax for  XXXX  which is totally untrue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a email about a home loan I supposedly applied for I did not apply to any loans I am not looking to buy any homes and the inquiry is on both of my reports this is a error and I pray and home nobody has my info and is trying to purchase a home
Product: Debt collection

XXXX XXXX is reporting inaccurate and inconsistent information on my credit report. This collection is only reporting on my XXXX. According to the FCRA all information must be accurate and consistent. This is not. This is hurting my credit report and score.
Product: Credit card or prepaid card

Hi, I filed a report previously- XXXX regarding this account with Layne Bryant credit card XXXX I requested the card be closed in XXXX of XXXX. The account wasn't closed and I was fees every month after that for 6 months. I called them every month about this issue and they assured me that it wouldn't happen again. During this time in XXXX of XXXX they reported a late payment on my credit report. 

When I previously filed a complaint, they stated that they would remove the late payment from my credit report and refund me for all the charges that had happened for over 6 months. They have not done anything that they said that they would do.
Product: Checking or savings account

On XX/XX/2022 around XXXX I started to get alerts stating that I added someone ( unknown to me ) to my XXXX account. The next few emails were that Chase recognized fraud and that my account will be closed, and a debit card will be re-issued. Once, I logged into my account I noticed that a check ( unauthorized ) more than {$7000.00} was deposited into my account. Along with that transaction this person was allowed to place three unauthorized payment reversal claims ( {$730.00} ), two being my electric company and the other being to a car dealership. I called filed a complaint with Chase talked to several people including management. I told them that I wasn't aware of any of the charges nor depositing the check, I told them that I've never had this done and that I will need to know what steps to take. Chase opened back my account and was able to get another debit card. Police from both cities were filed and I submitted those to Chase. 
I talked to customer service from the fraud department to the claims department to their XXXX XXXX XXXX XXXX. That's where the lady told me the steps, I should take to get back with those police departments and to file now a civil suit. After days and weeks talking to Chase customer service, I felt that I was being talked/treated like a criminal. On XX/XX/2022 I talked to a rep and was told to fax over a claim to be submitted for my three creditors to get back the money that Chase reversed ( unauthorized ). On XX/XX/2022 I talked to several reps including a manger that it will take 45 days for those creditors to get back the money. I was very upset, very upset after being told that I have to wait 45 days ( my lights are off ) which I explained to them that the money they reversed is why my lights are off!! 
On XX/XX/2022 my electric which had been disconnected twice for several days up to a week was finally back on. Now, on XX/XX/2022 I have the same three fraudulent reversals back on my checking account making it negative again {$730.00}. At this point I feel that I'm being profiled or discriminated against. Yes, I used profanity in conversation out of frustration and annoyance but NEVER at any rep I disrespected. I would like for Chase to release all communication between them and myself. I would also like for Chase to release the communication from XX/XX/2022 including calls, online verifications and the ATMs that were fraudulently used in my behalf. I've been in complete hardship since this has happened to me. I feel that as long as I been a client with Chase and had deposited/cashed several checks in the past it should have been known that I didn't have anything to do with fraudulent activity. Chase released those funds to whomever and I'm paying for it. I've had to quit school and make arrangements for my child to live with my parents to go to school. And I owe my electric company more than I had before resulting in over {$1000.00} keeping me behind.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with CB/VICSCRT and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX and CB/VICSCRT and XXXX XXXX with no successful resolution. There was definitely an error on their part.
Product: Money transfer, virtual currency, or money service

I filed a dispute on a charge in my PayPal, during that time, another one of my accounts on PayPal was compromised. I attempted to cancel my PayPal account or remove my banks, credit cards and debit cards, and they will not allow me to do so. I just want the account closed, and my accounts protected. They would not do this.
Product: Credit card

My Monthly payment for my credit card ending XXXX is showing as past due for the month of XXXX 2016 and I now owe the company a payment of {$58.00}. My monthly payments are due on the XXXX of each month. I made a payment of {$50.00} on XXXX XXXX for the XXXX 2016 statement and a payment on XXXX XXXX for the XXXX 2016 statement. However, Capital One is claiming that because my XXXX payment posted before the XXXX of the month it was applied to my XXXX statement deeming my intended payment for XXXX as not paid and reflecting my account in a delinquent status.
Product: Debt collection

First, these people never made an attempt to contact me on the collection at all. This company has filed a second claim against me for the same XXXX  bill that I have already disputed and won. Even though I won the dispute with all the evidence including transcripts where I spoke to XXXX and they stated that they didn't know why this was being claimed by XXXX and that my account was paid in full. This was a issue with the partnership between XXXX  and XXXX with an apparent lack of communication. I had an account with XXXX that bundled XXXX XXXX  They just continually keep filing this in collections. It makes absolutely no sense. I paid this debt immediately when it was owed through XXXX well before it was ever sent to collections. Now my life is a nightmare for a XXXXXXXX XXXX XXXX that was that was never even owed
Product: Credit card

On or around XX/XX/year> I wasnt able to find my citi master card ending ( XXXX ). I reported my card lost stolen with many unauthorized charges in the amount of {$1000.00}. I was admitted in the XXXX XXXX XXXX XXXX XXXX, TX and then transferred to XXXX XXXX  when those unauthorized transactions happen. 

Still waiting to resolve this issue. I am XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  and can not going back n forth with citi credit card. Please assist resolving this issue. 

I can provide my XXXX XXXX summary and XXXX XXXX  papers.
Product: Debt collection

XXXX from Nationwide Debt Solutions calls my work constantly. The debt is in my Husbands name and not mine. This Lady keeps calling even when we have told her repeatedly not to call my place of business. She has been very rude to our office personnel.
Product: Credit reporting or other personal consumer reports

I have called Experian roughly on or about XXXX XXXX, after going through my credit report and spoke to an agent about the various names, addresses and employment that my personal information was incorrect. It appeared to be removed but clearly the information is still there. I don't have Alias so that in itself is a definite no go. I can't have several identifications or social security names with so that information needs to reflect my true identity. 

I have not been able to speak to an agent since my initial dispute, I also have an account that only reflects with them that I have a balance with XXXX XXXX XXXX XXXX of {$120.00} from their own website that notates that this information can be potentially negative. I have spoke to a representative at XXXX XXXX XXXX XXXX that also confirms I do not have a balance. I would like for it to be removed or corrected promptly. 

Furthermore, my credit score has taken a decline since reporting these inaccuracies. I can't phathom what the issue could be for the decline. I am currently still going over other information to see if other issues need to be addressed. Just the mere fact that they can't seem to report the very basic information correctly, causes concern