23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I filed a complaint with the CFPB on XX/XX/XXXX XXXX # XXXX. My Wells Fargo Mortgage loan # is XXXX. It was assigned to XXXX XXXX XXXX at XXXX ext XXXX on XX/XX/XXXX. I have made several attempts to get in contact with her regarding my investigation. I called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have been unsuccessful in reaching her. I also spoke with XXXX XXXX 's at ext XXXX who sent a message to XXXX XXXX and her supervisor regarding the lack of responsiveness from XXXX on XX/XX/XXXX. In addition, I have been trying to work with the loan re-entry team since XX/XX/XXXX, however, I have faxed over every document that has been requested of me multiple times and am repeatedly told to fax over something different or that they didn't receive it. I have copies of all of my confirmation pages and have even gone into the Wells Fargo on XXXX in XXXX XXXX and had them fax the documents over to fax # XXXX and I include my loan number on all documents being sent. Back in XX/XX/XXXX Wells Fargo required me to pay them the sum of a little over {$13000.00} in which I borrowed from my dad. I repeatedly requested copies of my mortgage statements from them to show that my payments were current, but to date have still not received copies of the requested statements on my mortgage, nor have I received the ones requested on my checking or savings account that I had to close out due to fraud by one of Wells Fargo 's employee. The loan re-entry team has had several months to get my loan re-instate, but continues to give me the run around. 

With the sale date up and coming quickly, set for XX/XX/XXXX I fear losing my house due to the negligence of XXXX XXXX XXXX department. They again served me with documents taped to my home today for the Law firm of XXXX XXXX   XXXX at XXXX on XX/XX/XXXX @ XXXX XXXX I spoke with XXXX XXXX and she stated that my foreclosure had been placed on hold, but as of today on XX/XX/XXXX I was served again with foreclosure documents. The mortgage department of Wells Fargo has been very uncooperative in getting me approved in the home preservation department.
Product: Credit card or prepaid card

I have contacted First Bankcard numerous times over the years about concerns about how they allocate payments. They honestly have the worst customer service I've ever seen. I have numerous credit cards, and I never have issues with others like I do with First Bankcard. And there customer service is horrible. Very impersonal. They could care less about anything you contact them about it seems. I have maintained for years that they do not apply payments properly. They always apply payments to the balances with the LOWEST APR instead of the balances with the HIGHEST APR like they should. I don't know what else to do. I've written them about this numerous times, and they even put in writing back to me that they do this, and they maintain that is what they are supposed to do. Anyone with any common sense knows that is backwards and not how payments should be applied. But, they don't care. I don't know what else to do. I have specifically made large payments toward my balances when promotional interest rates are expiring, in order to get the promotional balance paid off so the interest rate does not rise, and they do not apply the payments to the promotional balance when it is expiring. I've even sent the payments to the general " customer service '' address with a note explaining to please apply it to my promotional balance so my interest rate does not go up, and they just totally ignore that, but send a letter telling me the payment was sent to the wrong address. They do a lot of things not in compliance with the law on how payments should be applied. And they don't care when it is brought to their attention. They also do not list promotional interest rate expirations on your statements or alert you when it is going to expire like they are required.
Product: Credit reporting, credit repair services, or other personal consumer reports

USPS TRACKING # XXXX I've sent a dispute previously to Equifax to investigate and remove some fraudulent information from my credit report. They'll yet to reply to me, so I'm sending in another dispute with a complaint. I have documentation directly from them that I received in XXXX that listed me as victim of the data breach. My SSN, ID, and other personal information were exposed. I just want this issue resolved, I did not benefit from any of the accounts that were opened, as they have prevented me from obtaining any new credit lines and for my own accounts to be closed and or reduced. My previous dispute was sent and received back in XX/XX/XXXX, and another in XX/XX/XXXX, I've also sent a complaint though this portal.
Product: Credit reporting or other personal consumer reports

This information is inaccurate and I need it removed from your system.
Product: Debt collection

Klarna rep XXXX reffered a issue of klarna merging a unknown balance on to my account and was told that this required a speacilist team more than 30 days went by and no speacilist had contacted me. Tried to message klarna and was told I was reported to collections. Under the FRCA, and Fair Debt collection practice act. a account balance In dispute does not constitute going to collections
Product: Credit reporting or other personal consumer reports

I have previously disputed the above referenced account on XX/XX/XXXX. This item was deleted from the credit file on the subsequent credit report of XX/XX/XXXX. However, now this item has reappeared on my credit report. 

In accordance with the requirements of the FCRA, I am hereby requesting your complete compliance with any and all of the provisions listed below and permanently remove this item.

FCRA 611, Procedure in case of disputed accuracy { 15 U.S.C. 1681i ] Requirements relating to reinstatement of previously deleted material. 

Certification of accuracy of information. If any information is deleted from a consumer & file pursuant to subparagraph ( A }, the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 

If any information that has been deleted from a consumer & XXXX XXXX ; XXXX file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than XXXX business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( XXXX }, a consumer reporting agency shall provide to a consumer in writing no later than XXXX business days after the reinsertion date. 

( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer & XXXX XXXX XXXX XXXX file disputing the accuracy or completeness of the disputed information. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After checking my credit report I found out a few accounts which ate not mine.I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. 
I believe that someone else may have a relative that may have forged my name ( or used my personal information ) in order to take out credit without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need ( and my signature does appear on the ID theft affidavit/report that I am attaching ). 
It could also be possible you are mixing up these accounts with someone that has a similar name as me. Either waythese accounts are not mine, and I would like them immediately deleted. Once deleted, please inform all other credit reporting agencies. If somehow these accounts are verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine
Product: Vehicle loan or lease

Warranty was added when car was bought. Company went into bankruptcy and sold company. New company said on phone that company will not uphold warranty agreement. Repossion was done XX/XX/23
Product: Checking or savings account

I wrote out my personal Check # XXXX made payable to XXXX XXXX XXXX  in the amount of {$240.00}, and posted the check in the USPS Mail Box at the corner of XXXX XXXX XXXX XXXX XXXX XXXX on Sunday evening, XX/XX/2022. 
( which happens to be across the street from my home. ) I was working overnight XXXX  on Thursday evening, XX/XX/2022, and reviewed my WSFS Checking account online - only to discover that Check # XXXX has been modified to be payable to XXXX XXXX XXXX in the amount of {$6600.00} - and was in the process of being cleared by WSFS. 

By XXXX XXXX  on Friday, XX/XX/2022 I went to my local WSFS branch in XXXX ( corner of XXXX XXXX and XXXX XXXX ) to report the fraud. 

WSFS took my information and filled out a form - that included a check box on my willingness to prosecute the fraud ( which I checked Yes ), and informed me that it could take up to 100 Days before the matter was resolved. 

After WSFS, I reported the incident in person at the XXXX XXXX Police Station ( Incident XXXX. ) I also drove to the XXXX US Post Office and reported the incident - and I was directed to the USPS website, and reported the incident again to US Postal Inspectors online. ( US Postal Inspectors ' Reference number is : XXXX ) On Friday XX/XX/2022, I called WSFS customer service and the Customer Service Rep reported that the Dispute # XXXX was noted in my account- but that no action had been taken. 

Following that conversation, I did open a complaint ( # XXXX ) with the Office of the Comptroller of the Currency 's ( OCC ) Customer Assistance Group ( CAG. ) On Thursday, XX/XX/2022, I was contacted by XXXX. XXXX XXXX from the XXXX XXXX Police department and was informed that XXXX XXXX PD had been able to identify a WFS Fraud Investigator - and that Det. XXXX also provided a copy of the fraudulent check and a timeline to WSFS Fraud Investigator. 

On Friday XX/XX/2022, I called WSFS customer service and the Customer Service Rep reported that the Dispute # XXXX was still noted in my account- but that no action had been taken. The Customer Service Rep contacted my local branch and spoke with the teller with whom I had reported the fraud on XX/XX/XXXX. The Customer Service Rep was unable to speak with anyone in the WSFS Fraud Services. On this occasion, the Customer Service Rep informed me that the WSFS policy was that resolution of Fraud related check could take up to 90 days ( which is different from the original 100 day term that I'd be informed of when I reported the Fraud on Friday, XX/XX/2022. ) I feel that I've been reasonable and worked and waited while WSFS has really taken no action. I feel that there fraud related policies are poorly documented, communicated, and enforced irregularly.
Product: Checking or savings account

Hello US BANK, i ; ve had some major fraud occur with you guys and my identity. There was a fraudulent account opened in my name and i only found out recently because something was sent to me in the mail stating i had a negative balance and a new debit card was sent to me as well. I NEVER OPENED AN ACCOUNT WITH US BANK, i called and told US Bank the same thing over the phone. i dont think i should be liable to pay back something i didnt do and ive also placed freezes on my credit and identity because i have no idea what other accounts have been opened under my name. 

Id like this account closed ASAP, its fraudulent.
Product: Student loan

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Product: Credit card or prepaid card

Claim {$10000.00} claim number XXXX acct XXXX Someone order my XXXX card and went spending all them charges and at that time someone stolen my wallet which had my personal ID and important information I called BofA and they took over XXXX to make a decision it wasn't till I had to calles them I even made a police report I faxs all them paperwork they ask for Its been over a yr and they still giving me a hard time
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX and XX/XX/XXXX I contacted Bank of America about inaccurate info provided to credit bureaus causing denied loan applications and poor score as well as history the bank says they charged off my balance and closed accounts but I paid my balances before they would close the accounts I only was a few days late for one payment and was new to credit so I paid my balances and closed the accounts because I didn't understand what I was getting into the bank never reported any of my good history or balance paid on time and falsely stated a charge off and won't give me access to my statements for the two closed accounts but said they would send the statements in a month I would get it but never did.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 collection agency XXXX XXXX reported an open balance of {$1000.00}, I contacted the original creditor XXXX, XXXX and Experian to advise them this was included in Chapter XXXX discharged bankruptcy. They have refused to update the balance, report the account as Bankruptcy and will absolutely not respond to my right under the Federal Bankruptcy Law.
Product: Debt collection

I have been speaking with Berlin Wheeler and XXXX XXXX over the last 6 months in XX/XX/2020 XXXX XXXX advised Berlin Wheeler to remove the debt from my account and transfer it to the responsible party. I have followed up with Berlin Wheeler mulltiple time in which they have stated the debt has been removed from my account and transferred to the correct responsible party and that they have submitted request to be removed from my account. It is still showing up and the dispute results do not indicate that they have submitted request to remove from my account and that they are holding me responsible for this debt.
Product: Prepaid card

Hello, there 's a huge issue with rushcard. Since XXXX Monday most customers including myself have n't been able to access their money. direct deposit are not posting, accounts are locked or blocked, accounts are deactivated ( including mine ). Ca n't withdrawal, transfer or make purchases. Rushcard had a maintenance update lasting until XXXX pst ( yesterday ) .The customer service phone number is providing inaccurate balances, saying the account # is wrong and now my account is deactivated When you select the prompt to speak with an agent the phone rings twice and hangs up. There is no alert or update when you call. payments are bouncing left and right for everyone. I ca n't take my daughter to daycare because all my money is tied up in the Rushcard. I ca n't go 2 work either. I 'm low on gas and food. There is no news or updates about this issue no ETA. We 're all being left in the dark. My direct deposit is suppose to hit tomorrow but from XXXX other customers, it sounds like that may not post. I do n't have the luxury to have extra money in hand. My fiance and i are living paycheck to paycheck and rushcard is making it very hard right now. Rushcard is n't going to help me if I lose my job for missing to many days of work..
Product: Credit reporting, credit repair services, or other personal consumer reports

Each time i fax requested material to XXXX they would post to my TransUnion account that location where the fax came from. I am demanding that this stops now. Contacting the places where faxes come from me, and adding them to my personal living information is fraud. This must cease and desist now. As posted by XXXX and TransUnion on each day of fax NEW ADDRESS INFORMATION RESIDENT ( S ) XXXX XXXX XXXX ADDRESS XXXX XXXX XXXX, NVXXXX XXXX XXXX PHONEXXXX DATES OF RESIDENCE XXXX to XXXX. This is harassment. It appears that they are attempting to scare me or attack me by locating me each time a fax goes to XXXX.
Product: Credit reporting or other personal consumer reports

This is a written request that you investigate specific items that I believe to be reported in error. 
These items are not correct and are causing me financial and emotional distress because of their Inaccurate information. The following items must be updated accordingly : XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXXXXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.
Product: Mortgage

On XX/XX/XXXX I closed on my house using XXXX XXXX  as my mortgage company. I was told my first payment with them would be XX/XX/XXXX. When I had not heard from XXXX  at the end of XXXX, I contacted agent ant XXXX and after a few days she emailed me that my loan had been sold to XXXX XXXX XXXX XXXX on XX/XX/XXXX. I tried to get in contact with the company but I did not have a loan # to access when I got in touch with them since I had never received anything in the mail. I finally contacted customer care and got a loan # and also corrected my address in which they also had wrong. During the conversation I asked when my XXXX payment was due and I was told XX/XX/2018. I followed up by accessing my account on line which also said payment due date was XX/XX/2018 but had no amount. On both XX/XX/XXXX and XXXX I accessed my account online where it still said amount due XX/XX/2018 but had an amount of {$0.00}. I made my payment of {$1500.00} on XX/XX/XXXX even though it said I did not owe anything. Today I received a collection call from XXXX XXXX XXXX saying that I was behind on my mortgage and that I had not paid XXXX mortgage payment. I told the rep that I had been in contact with their company and was told that I did not have a XXXX payment and I confirmed on the web site that the first payment was due XXXX XXXX but no amount was due so I paid what was on my closing papers. The rep advised me that I was suppose to make a payment but their company had misapplied the exact same amount {$1500.00} on XX/XX/XXXX so it showed that I had made a payment but it was actually someone else 's payment. I told the rep that on my first call, I was told my first payment was to be XX/XX/2018 and not that my next payment was on XX/XX/2018. As of today, I went back to my online account and it now says next payment due XX/XX/2018 amount {$1500.00}. I also shows a payment made of {$1500.00} on XX/XX/2018. I believe that I have made the payments that I was suppose to have made but now I am being asked to make another payment today XX/XX/18 and another one on XX/XX/18 totaling {$3000.00} which I don't have. I will have my regularly schedule payment reedy for XX/XX/18 but not the extra {$1500.00}. By this time, I will be outside the 60 days of protection from them reporting me to the credit bureau as well as accruing interest and late payment fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute and an FTC report for fraudulent accounts on all 3 credit bureaus. 

XXXX - XXXX {$1100.00} XXXX XXXX {$1000.00} XXXX - XXXX {$1100.00} XXXX XXXX {$1000.00} Equifax - XXXX {$1100.00} XXXX XXXX {$1000.00}
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The case was taken to mediation on XX/XX/XXXX and Defendant failed to appear. The case was dismissed per mediators. The Defendant hired another attorney who petitioned the courst several times for judgement. 

The courts original dismissal granted on or about XX/XX/XXXX entered in mediation by which defendant representative failed to appear at the mediation hearing on or about XX/XX/XXXX at which the plaintiff did appear in good faith with intent to mediate. The court sent a notice of dismissal of law suit to defendants and its counsel on or about XX/XX/XXXX. 

The court denied defendants motion for summary judgement on or about XX/XX/XXXX, and the courts second notice of dismissal to the defendants and its counsel on or about XX/XX/XXXX. On XX/XX/XXXX somehow the legal firm was able to overturn the dismissal without my ability to defend or have the court stand by its original mediation dismissal.
Product: Credit reporting

Over the past 2 years I have disputed a judgment that was dismissed. I submitted several complaints to both Equifax and CFPB and no favorable actions manifested. On XXXX XXXX, XXXX a representative indicated the investigation was complete and that traditionally when evidence of a dismissed judgment is provided then removal follows the investigation. I provided with my complaint the documentation which has been attached for your review. However, another Equifax representative, XXXX XXXX indicated on XXXX XXXX, XXXX that there would be no removal since the court placed the judgment on my credit record. I confirmed with the administrative assistant for Honorable Judge XXXX of the XXXX XXXX XXXX XXXX on XXXX XXXX, XXXX if this judgment has been placed by the court unto my credit record and was advised no and to dispute with Equifax. I demand that this judgment is removed from my credit history. Furthermore, I received notice of the class action settlement regarding Equifax report listing a judgment marked as open a month or longer after they had been paid, vacated or dismissed, and consumers who complained to Equifax about inaccurate judgment listings will receive a complimentary credit monitoring service. The solution is not a free credit monitoring service instead I demand that erroneous information is removed from my credit history. Thank you for your assistance.