23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 


XXXX XXXX XXXX XXXX XXXX : {$370.00} ; XXXX XXXX XXXX XXXX XXXX {$770.00} ; XXXX XXXX XXXX XXXX XXXX {$200.00} ; XXXX XXXX  XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/2019 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refuses to provide a XXXX score. There reasoning is that I do not have enough credit ; however, I have XXXX open credit cards that are paid on-time and I currently hold a XXXX score with XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

I am submitting this dispute regarding the following negative items on my credit report XXXX XXXX XXXX  - XXXX - {$550.00} These entries remain unverified and raise serious concerns about their accuracy. I have made multiple attempts to resolve these discrepancies by submitting disputes and providing supporting documents, yet no corrective action has been taken. This lack of resolution has negatively impacted my financial stability and taken a significant toll on my overall health. The ongoing stress caused by these unresolved issues has made it difficult to focus on daily responsibilities. 

As stated in the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report free of inaccurate or unverified information. I request a thorough investigation and prompt resolution of these matters to ensure compliance with federal regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have a record of the phone number, unfortunately
Product: Credit reporting or other personal consumer reports

I have multiple hard inquires on my credit report, that I had no knowledge of up until my recent credit review. XX/XX/2024, and the inquires have been on my credit report for over 11 months. This has had a negative effect on my credit which has made it impossible for me to do anything for my family. I have faced many hardships within XXXX which have also had negative effects on my credit and i need it to be resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FAIR CREDIT REPORTING ACT, cXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights under XXXX XXXX XXXX section XXXX states I have the right to privacy XXXX XXXX XXXX section XXXX section XXXX also states a consumer reporting agency cant furnish an account without my written instructions. 
XXXX XXXX XXXX a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
View attachments below
Product: Mortgage

This is an amazingly simple matter to understand even though none of the numerous customer service people we spoke to seem to understand it. It is even a refinance within the same mortgage company so, every bit of information needed to perform a detailed analysis is right there and available. 

The bottom line is that we overpaid on our mortgage in the amount of {$3500.00} ( one payment XXXX yet Freedom Mortgage will not return our money to us. 

Loan closing took place XX/XX/XXXX Payment of {$3500.00} made to mortgage XXXX XX/XX/2020 ( we were unable to stop it due to the timing ). 
It appears from subsequent documentation received that the XXXX payment was applied to the original loan payoff amount even though we had closed on the loan prior to that overpayment. ( this is not the complaint ). So, this would have reduced the payoff by XXXX. 
Since the original loan amount ( which had not changed ) was based on a payoff that was {$3500.00} higher, we are still due that amount as part of the refinance. 
It is really that simple yet, after 2 months we still have not received the funds ( our own money actually XXXX due us. 

XXXX, XXXX and XXXX
Product: Mortgage

Wells Fargo Home Mortgage is denying my settlement because of my race, XXXX. 

Wells Fargo Home Mortgage agreed to pay over {$1.00} XXXX dollars in a lawsuit to XXXX XXXX, and other similiar classes, where Wells Fargo Home Mortgage discriminated against XXXX, XXXX and other similiar classes in a lawsuit brought by the Department of Justice. 

Wells Fargo Home Mortgage discrimated giving XXXX less favorable interest rates and loans than other loan applicants. Although they have not used this excuse, maybe Wells Fargo Home Mortgage did not know that some XXXX are aware that interest rates equal dollars and higher payments, which occurred in my situation causing me years of grief and financial sufferring. I continue to suffer at the hands of Wells Fargo Home Mortgage. My mortgage is being forclosed on in 2 days to cover it all up. This too is illegal in case Wells Fargo Home Mortgage does not know. 

Wells Fargo discriminated with my loan and is now discriminating again by continually denying my settlement using false pretense excuses and lies. They have come up with many excuses and lies. 

I have provided documents to refute those excuses, but it boils down to Wells Fargo submitted to this voluntarily settlement because they never intended to make good on the settlement as they promised the Department of Justice and the Federal Court. 

I am being punished again because of my race, XXXX. This was not a refinance loan which Wells Fargo Home Mortgage lied in a recent previous complaint. This loan originated within the designated time frame listed in the settlement with the Department of Justice and the Federal Court. This was a brand new loan as it shows by Wells Fargo Home Mortgage own document. This loan did not originate outside of the time frame as Wells Fargo Home Mortgage continually and originally said. This loan Originated XX/XX/XXXX, also shown on Wells Fargo Home Mortgage own document also enclosed with this complaint. There are many others in my predicament that have been forclosed on to cover up this gross misconduct. 

Wells Fargo Home Mortgage is denying my settlement because of my race XXXX. Also, I 'm a XXXX XXXX who is being financially exploited, also illegal. Wells Fargo Home Mortgage is trying to cover up thier hate for XXXX by foreclosing on my mortgage of fifteen years. The foreclosure is scheduled in two days Wednesday XX/XX/XXXX. 

Do n't let this happen in America in XXXX. 

ME TOO XXXX XXXX
Product: Debt collection

My credit report shows an unauthorized XXXX XXXX XXXX account that was open XXXX XXXX! This had a big impact on my credit score!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian notified me that I had a late payment and that my credit was effected because of it. I saw that it was from an account that was opened up with XXXX XXXX. I do not have an account with XXXX. I actually use XXXX XXXX XXXX for my wireless provider. I filed a dispute on this XXXX account which was claiming I had a missed or late payment of {$83.00} from XXXX of XXXX. On XX/XX/XXXX, I filed a dispute with Experian, XXXX and XXXX XXXX. On XX/XX/XXXX, I called XXXX XXXX and was informed that there is in fact no account in my name or in my social security number. 2 weeks after that time I got a letter from XXXX XXXX indicating that the XXXX account was removed from my credit record. I followed up with Experian to see if my the account was removed and I was informed from someone at the dispute center that XXXX is indicating that the account is open and there is a late payment. I proceeded to file a new dispute with Experian. I called XXXX again after this time and was informed by a different employee at XXXX wireless that I do not have an account in my name or social security number for a second time. I followed up with experian today and they are indicating that XXXX still is saying there is an money that I owe. I need this to be addressed
Product: Student loan

On XXXX XXXX I received a letter in the mail from ECSI informing me that my account was 15 days past due and that they would report delinquency if the payment was not received in the next 15 days. Until I received this mailed notification I had no previous notice that my deferment period was over. ECSI took a financial predatory approach by notifying me only AFTER the payment was due that I owed them money, which allowed them to collect a late fee. I received no information from ECSI beforehand so that I could budget for this monthly cost and set up an automatic payment. It is also disconcerting that they are using snail mail, an outdated approach in 2016, as their main form of communication. 

This negative experience strongly contrasts with the one I 've had with my federal student loan servicer, XXXX XXXX. They notified me 6 months prior to my first payment, which allowed me to set up an account on their website, a direct monthly payment, and establish an appropriate personal budget.
Product: Bank account or service

On XXXX/XXXX/2015, I went to a Bank of America ATM, located at XXXX XXXX XXXX, XXXX MA. When I went to the ATM, I deposited {$550.00} in cash and {$320.00} in checks. It processed the cash and " ate '' the checks - it took them into the machine and failed to acknowledge the action. It gave me no option to return the checks to me. 

I immediately called Bank of America and alerted them that the ATM had not confirmed my check deposit and was not following typical behavior. I was told that it was 'not a problem ' and that in 3 business days the checks would appear on my account. After 3 business days, I did not see the checks so I called Bank of America. 

They told me then, that they would investigate the issue and get back to me within '6 weeks. ' They temporarily gave me the missing {$320.00}. After 6 weeks, I was told that I was out of luck - that I had to have the checks reissued, and that there was nothing they could do. They then removed the {$320.00} from my account. I raised the issue again, as I feel this is unacceptable, and they took another 3 days to look further into the matter before restating that there was n't anything they could do. They could locate my transaction ( the deposited {$550.00} in cash during the same transaction ) but 'could not locate the checks. '
Product: Checking or savings account

US Bank is illegally holding my money and won't let me close account. Went to bank to deposit an {$11000.00} check. This was fine. XXXXaiting the standard 5 days for it to clear, which it did. Then went to bank to wire funds and get access to that money. US Bank refused, despite funds being available in balance. Then the next day I complain and all the sudden I can't login to bank account. When I call customer support, they tell me the account has been closed, yet can't give me a reason. They say it is undergoing an " account review '' although this makes no sense. US Bank refuses to give timeline for when I will receive check for funds in balance and branch XXXX XXXX XXXX XXXX at the XXXX XXXX NC XXXX says they could hold funds FOR MONTHS. This is totally unreasonable. Never bank with US Bank they are scum!!!!
Product: Bank account or service

TD BANK DAMAGED [ MY ABILITY TO ] USE [ MY ] DEBIT CARD [ ACCOUNT ] BY OBSTRUCTING ACCESS AND TAKING MONEY ( IN ORDER TO INCONVENIENCE, TROUBLE, AND HARASS THE CUSTOMERS PEACE AND TRANQUILITY ). Your submission ( Case number XXXX )
Product: Credit card

The credit card company texted me, asking if I was trying to make a payment to a subscription service. I replied NO, DO NOT PAY THEM. The credit card company locked my credit card and gave me a number to call to begin the dispute, but every time I call, I get disconnected ( I have tried more than 10 times ). I just received a statement and the fraudulent claim is on the statement. I still can not contact the credit card company, I keep getting disconnected.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is incorrectly reporting 2 accounts on my credit report that are my husband 's not mine. One is a Gap  account with a balance of {$3100.00} and the other is an account with a balance of {$14000.00}. I was removed as an authorized user months ago as we are separated.
Product: Mortgage

My escrow for my property taxes had increased over {$750.00} per month because Shellpoint Mortgage continues to tax me at 6 % instead of 4 % which my county approved because this is my primary residence. I've called SEVERAL times and they continue to give me the run around.
Product: Debt collection

I was hospitalized overnight only XX/XX/XXXX at XXXXXXXX XXXX XXXX. On XX/XX/XXXX, I received a balance due statement stating incorrectly that I owed {$1600.00}. They said the only way to keep from turning me over to collections was for me to set up a payment plan. 
I told them I would set up a payment plan even though I didn't owe the bill, because I didn't want to be turned over to collections. My daughter and I called the billing department and they said that XXXX XXXX XXXX had denied the bill. We then called XXXX who told us that they paid the full {$1600.00} via payment number XXXX to XXXXXXXX XXXX XXXXXXXX. With my daughter and I on hold, XXXX called the billing department for XXXX XXXX XXXXXXXX and told them that they had paid the bill. The billing representative told XXXX that someone from their office would contact XXXX to clear it up. The billing representative refused to talk to XXXX XXXX XXXX XXXX department, according to the XXXX representative. On XX/XX/XXXX, my daughter mailed a letter to XXXXXXXX XXXX XXXXXXXX enclosing her Durable Power of Attorney over me, explaining the background, giving them the payment information from XXXX, and instructing them not to turn me over to collections. On XX/XX/XXXX, my daughter received a call from a collections agency.
Product: Student loan

Hello, I'm writing due to an issue with submitting a PSLF form to FedLoan servicing. I've submitted the form twice and the most recent issue was presented via a letter stating that the form I submitted contains missing information in section 3. However, when reviewing the section, the questions that were left blank are due to the previous question in that section saying " Yes- Skip to section 4. '' Since the response to that question in my case was Yes, the 2 remaining questions were skipped and I continued to Section 4. I spoke with a representative from FedLoan on XX/XX/22 who advised me to answer " No '' to the 2 remaining questions and resubmit. However, answering No to those questions does not accurately describe my situation and I fear answering " No '' would be inaccurate and could cause a denial. I waited on hold for 3 hours to speak with a PSLF counselor to verify this advice given by the representative, and was not connected. I was given a 60 day time period to respond to this " missing information '' but can not get ahold of anyone at the service for assistance. Three hours on hold is not a reasonable amount of time to wait. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

A fraudulent account was opened in my name on XX/XX/XXXX at XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX, Account # XXXX This account was sent to collections and was a " charge off '' on XX/XX/XXXX for {$320.00}. This is a fraudulent account. I have never used this company and have no knowledge of the address attached to this account : XXXX XXXX XXXX XXXX, XXXX XXXX, TX. XXXX. 
I have never lived in TX, I do not have family in TX. I have been living at the same address since XX/XX/XXXX. I have not lived in any other residence. 
I have requested XXXX, XXXX and Experian to investigate and remove the fraudulent information from my report on XX/XX/XXXX. The information was not removed and still remains on my credit reports.
Product: Checking or savings account

In or around the month of XXXX someone had accessed my account using my debit card put in some checks and withdrew {$200.00} from these checks totaling {$460.00} when I realized that my account had been accessed and money had been taken out by someone other than me I filed a claim with the bank stating that I did not do this they sent it to their review and said that it was an authorized debit how could it be an authorized debit if I'm calling them and telling them I didn't do it and when they viewed there cameras on their ATM machine it was a man not me so I had them RI file a claim with a police report and it is it's been almost 6 months and still the problem has not been solved why does it have to take so long I don't understand how the number one they can come to the conclusion that I authorized it when I'm calling them and telling them I did not then when they reopen or redo the claim it's going to take a whole nother 60 days that's not right
Product: Checking or savings account

My Father and grand mother inheritance too me was never received and I also need help getting his house mortgage transfered in to my name.
Product: Debt collection

I recently was denied credit based on a collection account reported on my XXXX credit report which drastically dropped my credit score substantially. Upon investigation with the credit bureau I noticed that a company called Phoenix Financial services on XX/XX/XXXX placed the collection account on my XXXX credit report. I also contacted Phoenix Financial Services and was told that it was am ambulance bill from XX/XX/XXXX from XXXX which I did not pay in the amount of {$1500.00}. I had a XXXX XXXX XXXX in which it was settled and the medical bills were paid through the attorney that I had in the XXXX XXXX XXXX case. Contacted the attorney 's office and the medical bill was paid through my insurance company XXXX XXXX with which I had full ambulance benefits covered under my plan. I contacted XXXX XXXX and we was on a three way call with ambulance company. In that discussion, the ambulance company XXXX never submitted the bill to XXXX. XXXX had my XXXX card membership number which my Daughter game them while I was being transported to XXXX hospital on the direction of my Daughter. Now because of the statute of limitations XXXX told XXXX that they can not pay the bill because it was never submitted to them for payment and now they are trying to biil me directly. My coverage and medical benefits has not change since XXXX. XXXX did merge with another company who in turn decided to report the debt as a collection account to XXXX. Please note that I never received a bill since XXXX from XXXX until XX/XX/XXXX from a collection agency without even notifying me what the debt was for. I want this removed from my XXXX Credit report immediately and any other Credit reporting agencies.I believe it is a violation of my rights under FDCPA and FCRA.
Product: Credit reporting or other personal consumer reports

XXXX XXXXDispute of Late Payment on Closed AccountI am writing to dispute the late payment reported on my credit report for the following account_- Account NameXXXX Account Number_ XXXX Original Creditor_ XXXX- Date of Alleged Late Payment_ XXXX XXXXThis account was closed and paid in full on [ Date ]. I request that you remove the late payment from my credit report, as it is no longer accurate or relevant.Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c, I dispute this information as outdated and inaccurate. The account has been paid and closed, and the late payment is no longer a reflection of my current creditworthiness.I have attached documentation supporting my claim, including_- Proof of payment and account closure- Copy of credit report highlighting disputed informationPlease investigate and correct this error within the timeframe required by law. I request a revised credit report with the late payment removed.Thank you for your prompt attention to this matter.Sincerely,
Product: Mortgage

The guidelines Mr Cooper home loans gave me to prevent foreclosure were as follows. You have to have a complete modification package submitted before 37 days of the foreclosure sale date, XX/XX/XXXX. I did that, and they pushed the sale date back to XX/XX/XXXX, and told me that I need to have a luxury bill by XX/XX/XXXX to complete the process. I did that, and 3 weeks went by without a word, so on XX/XX/XXXX, I contacted my mortgage company. They told me the modification was denied XX/XX/XXXX, and the letter is set to be mailed on the very day I called, and because of that, I can go ahead to the next step, which is a short sale, and if that doesn't happen, I can apply for a deed in lieu, but it has to go in that order. I tell the representative that's fine, and ask what I have to do to start the short sale. She tells me that it may be too late for me to continue with the process because my new sale date is XX/XX/XXXX. They didn't complete the process in time for me to meet their deadline. Can u please help me. I feel like I've been destined to fail.
Product: Checking or savings account

On XX/XX/XXXX, I reported fraud on my account from online charges. I noticed it XX/XX/XXXX but when I searched my transactions, I found this company had charged my card several times in the past month. XX/XX/23 {$22.00}, XX/XX/23 {$37.00}, XX/XX/23 {$34.00}, XX/XX/23 {$36.00}, XX/XX/23 {$37.00}, XX/XX/23 {$68.00}, XX/XX/23 {$93.00}, XX/XX/23 {$93.00}, XX/XX/23 {$93.00}, XX/XX/23 {$69.00}, and XX/XX/23 {$95.00}. Wells Fargo is saying my claim was denied and it wasnt fraud because I should have noticed it sooner. I was never alerted of fraud and they were small amounts each time so I didnt notice them. If all {$680.00} would have come out in a single day/ transaction, I likely would have noticed. But I find it hard to believe they are claiming its not fraud because I didnt notice it quickly enough. Is there a policy stating how long you have to notice/ report for it to be classified as fraud? As a 20 year customer with Wells Fargo, Ive never reported fraud and would never imagine they would deny a fraud claim.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : Personal Information Former : XXXX XXXX Previous Address ( es ) : 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 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 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I SAW MY CREDIT REPORT AND I AM DISAPPOINTED BY IT BECAUSE THERE ARE INACCURATE ACCOUNTS SHOWING UP EVEN THOUGH I HAVE NO IDEA WHY.
Product: Debt collection

The number I called above they told me they do n't have my case at there office. I tried contacting the medical center and they told me to contact the debt collector. I made two payments but they do n't reflect on my credit report and the amount is not accurate