23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Since the beginning of 2021, I have been making regular mortgage payment plus additional principal payment in an effort to payoff current mortgage. Since XX/XX/2021, I have had to call Mr Cooper because of misappropriation of the principal payments. Mr. Cooper will take the principal only payment and divide it into principal, taxes and interest. After placing a call, i would be reassure that they would reapply the extra amount to principal only. I was also informed to make regular monthly payments then the next day make a principal only payment. In XX/XX/2021, I make a regular payment then the following day a principal only ; however, the principal only was misappropriated again. I am needing assistance with Mr. Cooper to insure that my extra principal only payments are applied according to my instructions.
Product: Payday loan, title loan, or personal loan

The company Debt recovery solutions XXXX XXXX XXXX has sent me a letter and reporting on my credit that I have a outstanding collection balance of {$520.00} for a loan linked to an address of XXXX XXXX XXXXXXXX XXXX ohio XXXX. Well, I own my home and this is not my address nor have i ever lived there. I send 2 letters to this company certified mail in XXXX and XX/XX/2020 asking proof of my signature of this loan application ( loan by phone ), copy of my driver license and all that was sent to me was a application with my name and incorrect address, phone number and zip code on the application, as well as no signature on it. I requested for them to remove it from my credit reports due to this not being mine and for them not producing information to show this is a valid debt. They have not done so, so I am putting in a complaint.
Product: Mortgage

Wells Fargo is in violation of CA Real Estate Laws, acting in bad faith and in violation of CAHBOR laws and anti dual tracking laws. Wells Fargo must be investigated immediately as this is a very serious violation of ethical guidelines that lenders and servicers must adhere to. At issue specifically is borrower 's request to do a short sale which Wells Fargo has had for months now. As you will see from the attached docs Wells Fargo countered this particular buyer to a certain purchase price. Once Wells Fargo made a counter Wells Fargo was in a legal contract negotiation per CA law. Per their guidelines Wells Fargo demanded a certain amount of monies for the purchase price of the property at which time the buyer accepted. Once the buyer accepted per CA law Wells Fargo was in a legally binding contract to sell the property to this buyer. Instead of immediately issuing their approval letter Wells Fargo illegally set a foreclosure sale date which is against anti dual tracking laws when a file is under foreclosure prevention and then they further acted maliciously and with malcontent when they sat on the short sale request so as to approach a foreclosure sale date. After many, many escalations Wells Fargo finally came back and said the offer was denied and removed from short sale. This illegal activity is to be hereby CEASE and DESISTED IMMEDIATELY. Wells Fargo is IMMEDIATELY REMOVE their foreclosure sale date due to their gross negligence and willful disregard of CA law. Wells Fargo must immediately fully disclose any all issues they have with the current offer and that may not include the offer amount and parties to the offer as this information was already made aware to Wells Fargo prior to the counter Wells Fargo issued.
Product: Credit reporting

XXXX is reporting address information that do not or never belong to be. Please assist me in getting the following address information removed from my credit file : XXXX XXXX and XXXX XXXX
Product: Credit card or prepaid card

Dear Sir or Madame ; On XX/XX/XXXX, I placed an order from " XXXX XXXX for trial products resulting in charges of {$12.00} for products and shipping/ handling. I paid the {$12.00}. 
These were the only 2 products I received. 
I was then charged {$94.00} and {$89.00}, on my Sears Citibank credit card, for products I never received. I never placed another order or signed for " auto ship ''. 
I had no way of contacting the merchant, there was not an invoice in the package. This lead me to believe this was a scam and I turned to my credit card company for protection. 
My account, supposedly, was credited for only 1 charge of {$89.00}. ( Unfortunately, I can not find this letter. ) However, the charge of {$94.00} remained on the account. I have addressed this issue in my last 2 letters to Sears Citibank. Citibank told me that they did not receive some information in a timely manner from me, but I sent a letter XX/XX/XXXX that resulted in the recovery of above mentioned amount of {$89.00} only. 
I'm not quite sure how 1 charge can be credited, 1 remain outstanding, and all the late fees still upheld. All for products I never received. I should not have to pay for, or charged with late fees for products that were never received. 
This issue has gone to " collections '' despite my attempts to resolve the issue. 
In my most recent interaction XXXX ) with Sears Citibank, I sent a letter to " Sears MasterCard Recovery Disputes '', detailing yet again this past year 's issues. I am at my whit 's end to resolve the situation. 
I had been a good customer since XXXX, never had a late payment, and now this mess. 
I trust that all charges in this matter, {$89.00} ( if not already done ) and {$94.00}, along with all the late fees associated with these charges will be recovered/waived. 
I appreciate your time and attention in this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

I have filed Chapter XXXX bankruptcy ( XXXX ) and TransWorld Systems Inc was notified of the bankruptcy by mail so was XXXX XXXX XXXX. TransWorld Systems Inc has still chosen to violate my rights under the bankruptcy protection laws and has sent me a bill and called my cell phone. I called this company on XX/XX/XXXX and again on XX/XX/XXXX reconfirming my bankruptcy filing only for this company to call my JOB the same day. I need the communications to stop and I will officially filing a small claims complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I am not a third party. I am making this complaint on my own behalf. I was a victim of identity theft and see all the fraudulent unathorized accounts on my report. I already contact the creditors and got the accounts closed. I also see unauthorized addresses on my report. 

XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX UNAUTHORIZED FRAUDULENT ADDRESS : 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

XXXX and XXXX are not updating my credit report for one negative item. XXXX and XXXX keeps providing bogus information claiming that my negative item was investigated. I personally contacted the creditor on XX/XX/XXXX and XX/XX/XXXX to confirm and they NO LONGER have the disputed account on their records since XXXX. XXXX and XXXX " investigation '' stated that this creditor reported their first delinquency on XXXX. The creditor got paid through my already dismissed chapter XXXX that was filed on XX/XX/XXXX and discharged XX/XX/XXXX. The chapter XXXX has already been deleted from my credit reports along with all the involved accounts except this one.
Product: Bank account or service

In XXXX XXXX, I was induced to open a Citibank CitiGold checking account with a bonus offer. The bonus offered XXXX XXXX XXXX miles after scheduling two bill payments and accumulating {$1000.00} in debit purchases. 
The cash value of XXXX XXXX XXXX miles is approximately {$500.00}. 
In XXXX XXXX, I contacted Citi and received confirmation that I had fulfilled all terms of the offer. 
On XXXX XXXX, XXXX I contacted Citi again regarding the bonus offer, and was told that I completed the terms in XXXX, and that the miles would be credited no later than XXXX XXXX, XXXX. 
On XXXX XXXX, XXXX the points had not yet posted so I called Citi and was told that the points were " on their way '' and to expect to see them within 3-4 weeks. 
On XXXX XXXX, XXXX I called Citi again, who opened an " investigation '' into the missing points, and told me I would hear back within 1-3 business days. 
On XXXX XXXX, XXXX, after not hearing anything from Citi, I called in again, and was told that their back office was very busy, and to expect a response within 5-7 business days of the investigation opening ( XXXX ). 
On XXXX XXXX, XXXX, after still not hearing anything from Citi, I called them again, and was told that the investigation is still open, and that the customer service representative would request another. 

In summary, it has been five months since I met the terms of the bonus offer, and Citi has still failed to live up to their side of the deal. The chat log between myself and Citi where they confirm that the requirements have been met is attached. 

Citi Online Chat Log, XXXX/XXXX/XXXX You are now chatting with XXXX. 
XXXX : at XXXX Hi, XXXX : at XXXX Welcome to Citibank Online Chat. My name is XXXX. How may I help you? 
XXXX : at XXXX Hello XXXX. 
XXXX : at XXXX How are you? 
XXXX : at XXXX I 'm well, thanks XXXX : at XXXX I signed up with a promotional offer for my CitiGold account, and completed the requirements some time ago, and I 'm wondering when the bonus American miles will post XXXX : at XXXX Great question! 
XXXX : at XXXX I will be more than happy to assist you. 
XXXX : at XXXX Please allow me 2-3 minutes to review your account. 
XXXX : at XXXX Thank you for holding. 
XXXX : at XXXX I do see you completed the terms in XXXX. Therefore, your miles will be credited within 90 days of the statement cycle in which you fulfilled the terms. 
XXXX : at XXXX That will be no later than XXXX XXXX. 
XXXX : at XXXX Thank you, have a nice day
Product: Credit card

Dear Consumer Financial Protection Bureau, I regret to express my dissatisfaction with the Barclays Bank credit card service. My recent experience has left me profoundly disappointed, and I feel compelled to share my concerns. 

Firstly, I encountered a significant issue when my initial credit card failed to arrive. To exacerbate matters, I discovered an alarming {$1000.00} in fraudulent charges on my account, despite having only authorized a {$55.00} purchase. This situation prompted me to contact Barclays Bank customer service, and regrettably, I found myself subjected to extended hold times during these calls. 

Subsequently, Barclays Bank issued a replacement credit card on Monday, XX/XX/XXXX, and I promptly reported the fraudulent charges. I was assured that the new card would arrive the following day, Tuesday, XX/XX/XXXX. Unfortunately, it did not arrive as promised. My frustration grew when I called again, only to be informed that the card would be delivered today, Wednesday, XX/XX/XXXX, which, once again, did not happen. 

I must emphasize my disappointment with the lack of communication from the institution throughout this ordeal. I have yet to receive any notifications via email regarding the status of my credit card delivery or the resolution of the fraudulent charges. Such notifications are fundamental to a professional and reliable banking service. 

This unfortunate experience has compelled me to question the professionalism and reliability of Barclays Bank and GAP Credit Card. It is the first time I have encountered fraud, and I find myself reluctant to recommend this bank or its credit card services to anyone based on this distressing encounter. 

I requested Barclays Bank a prompt resolution to this matter, including the delivery of my credit card and the resolution of the fraudulent charges. Clarity and transparency in your communication would also be greatly appreciated. 

I kindly request that Consumer Financial Protection Bureau investigate this matter promptly and take the necessary steps to rectify the situation. I also request that you keep me informed of the progress and resolution of this complaint. 

Thank you for your attention to this matter. I look forward to a swift and satisfactory resolution. 
Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, i sent out letters to all three credit bureaus in regards to inquires i did not authorize or have any acknowledge of. I was appling through a first home owners program a few months back and thats when i was denied. when i requested my credit report i found over XXXX inquiries on my report. XXXX XXXX, XXXX XXXX ( XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). IN return the credit bureaus stated that my request for deletion could not be completed due behind my letters looking like they were sent from a credit agency on my behalf which i clearly sent these letters myself. i was also told by the bureeaus to write a letter disputing the inquries and a complaint from the CFPB, FTC OR POLICE REPORT along with providing a copy of the CFPB complaint with a copy of my license and proof of address. i requested a copy of the reinvestigation and a list of people i spoke with also. As of today XX/XX/XXXX, i have gotten no updates or satisfaction so on XX/XX/XXXX i will repeat the same process again to all three credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. Lastly, these accounts being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & created unwanted stress in my home life. I need it delete at once.
Product: Vehicle loan or lease

Global lending services, call me when I am 24 hours after the due date. I have 10 days to get my payment in. Because it is such a large payment I divide it into two parts through my bank. They call me incessently to demand a payment immediately. I have set up the payments for the next months to be paid through bill pay in one payment. They have also charged me four times for late fees. The extra money I called them on four occasion to pay towards my principal and instead they have taken the late fees. Global lending is a predatory company that demands payment immediately and does not follow directions or listen to the customer for instruction on how to handle their account.
Product: Debt collection

I recently received two letters from Portfolio Recovery Associates on the same day, one lettter is supposed to be a debt validation, which I requested, but it isnt. I requested to see something with my signature on it because I have never had a XXXX XXXX Account. The next letter I received on the same day says that they couldnt complete an investigation because I failed to give them information requested. These are the first two letters that I have received from this company. No information was requested from me. All I asked from the beginning is to see something from XXXX XXXX XXXX that has my signature on it. I also asked how it it legal to collect on an alleged debt from XX/XX/XXXX. This is out of the statute of limitations. I would like this removed from my credit report, due to the inability to provide the important information requested. If indeed I had that credit card on XX/XX/XXXX and you brought the debt XX/XX/XXXX, you should have something with my signature on it.
Product: Credit card or prepaid card

XX/XX/XXXX - Initiated a balance transfer. A {$2400.00} credit balance was paid by XXXX XXXX, account XXXX XXXX XXXX XXXX to CITIBANK account XXXX XXXX XXXX XXXX but Citibank refuses to credit my account, now I owe both agencies {$2400.00}. XXXX ( worked with XXXX ) claims that a check was sent. They have provided the following as proof : Check was cashed XX/XX/XXXX, they are sending me a copy. 
Account : XXXX Check # XXXX sequence : XXXX Citibank, when pressed, refers me back to XXXX or just hangs up on me when i ask to speak to a supervisor ( XX/XX/XXXX and XX/XX/XXXX ). Call wait times are over 2 hours and Ive called 3 times at least. Several other abandoned attempts.
Product: Credit reporting or other personal consumer reports

Inaccordance with the Fair Credit reporting Act. The account listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 ( Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) 15 U.S.C. 1681 Section 602 A. States : I have rights to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681 c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions or crimes which antedates the report by more than seven years. 15 U.S.C. 1681's-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believer that the information is inaccurate.
Product: Vehicle loan or lease

I walked into XXXX XXXXXXXX in XXXX XXXX today to perform a simple lease buyout of my 2018 XXXX XXXX that I leased in XXXX of 2018. The woman I dealt with XXXX was extremely helpful, knowledgeable and nice. After she had taken my information and I had informed her I was paying cash for the buyout XXXX XXXX walked over and insisted he had to run my credit in order to accept cash for the vehicle, which I refused. I have worked in XXXX for 17 years and I have never heard of a company having to run my credit to accept a cash transaction. This is even more ridiculous because the lease is through XXXX, so it's financed through their finance department. I refused the inquiry as I am in the process of purchasing a home and do not need additional hard inquiries on my credit report for no reason. The argument became heated and he remarked, " We can either run the credit or you can't buy the car, and I'm not wasting my time on a transaction I don't make any money on ''. So I refused and left. XXXX XXXX  after arriving home I received a notification through XXXX that XXXX XXXX via XXXX had made not ONE but TWO hard inquiries into my credit. I did NOT give him permission to do so, and explicitly refused a credit inquiry.
Product: Student loan

My student loans were in normal repayment status, with monthly auto-debit ; and then suddenly without notice, Navient reflected one of the loans as 5 months overdue.
Product: Mortgage

Amerisave Mortgage has made several errors while disbursing insurance payments from my escrow account causing a substantial increase in my mortgage payment amount. I contacted Amerisave on XX/XX/XXXX, asked them to delay my escrow analysis until XX/XX/year>. The request was made but not honored. My escrow analysis was performed on XX/XX/year> in lieu of my request to have the analysis completed the first week of XX/XX/year>. 

I have spent hours on the phone trying to have the escrow errors corrected. Moving forward I will only communicate with Amerisave Mortgage and XXXX XXXX in writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying since XXXX XXXX to get XXXX  XXXX XXXX to sort out the complete mess they have made with my Home Equity Line of Credit ( HELOC ). 
Account # XXXX was opened on XX/XX/XXXX and I have been making all the regular payments by transferring money on my XXXX dashboard from my personal account to the HELOC account. 
It appears that at the end of XX/XX/XXXX, the bank changed the account number to XXXX without any notice to me. My HELOC account was still on my dashboard and I continued making every monthly payment through to and including XX/XX/XXXX. 
In XX/XX/XXXX i tried making my usual payment, but the option had been removed from my dashboard. 
After many phone calls it turned out that the account had been handed over for collection for non payment, despite all my payments made in full and on time. These payments had not been applied to my account and were somewhere floating in some sort of suspense. 
After multiple, multiple, multiple calls and emails over several months they eventually apologized for their error, correctly allocated these " Unapplied Funds '' to the account and stated that they would have ALL negative comments posted on the credit reports removed, that the account was current and in good standing. 
Not all the negative comments were removed " Account information disputed by consumer '' still remained on all the agencies. I spent most of yesterday getting these comments removed - something that the bank should have done. 
Checking my reports, I saw that the comments had been removed, BUT XXXX was showing that I had 2 HELOC accounts with XXXX - one showing negative aspects ( Past Due ) and the other " Current '' no past dues. THERE IS ONLY ONE account. 
The bank has been unbelievably slow to get things done - stating that it was complicated - and thoroughly inept at getting this mess, that they created, totally fixed. 
Due to their extreme incompetence I have been denied a re-finance on my mortgage SOLELY because it appears that I have 2 HELOC accounts with XXXX. This has cost me thousands in wasted time XXXX multiple phone calls, multiple emails ) trying to get them to fix their mess, the cost of not been able to re-finance and reduce my mortgage payments by {$230.00} per month, which for 360 months amounts to {$83000.00}, to say nothing of all the emotional XXXX that this has caused