23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

It appears Wells Fargo Home Mortgage is engaging in the prohibited practice of dual tracking while having received timely all the required documents and financial information.     I 've been sending in all required documents multiple times since  XX/XX/XXXX . I also call over the phone to verify that the documents were received.     I have received the enclosed Wells Fargo letters which are vague and do n't provide me with any information on the status of the loan modification assistance.     The CFPB issued amendments on  XX/XX/XXXX , The rule issued establishes new protections for consumers, including : Requiring servicers to notify borrowers when loss mitigation applications are complete : Whether a borrower is entitled to key foreclosure protections depends in part on the date a borrower completes a loss mitigation application. If consumers do not know the status of their application, they can not know the status of those foreclosure protections. The final rule requires servicers to notify borrowers promptly and in writing that the application is complete, so that borrowers know the status of the application and have more information about their protections.     The CFPBs new rule clarifies that, if a servicer has already made the first foreclosure notice or filing and receives a timely complete application, servicers and their foreclosure counsel must not move for a foreclosure judgment or order of sale, or conduct a foreclosure sale, even if a third party conducts the sale proceedings, unless the borrowers loss mitigation application is properly denied, withdrawn, or the borrower fails to perform on a loss mitigation agreement.
Product: Credit card or prepaid card

Was given a letter two weeks before closing account that chase has closed ALL of my accounts with no further explanation. 
Called multiple chase numbers for my personal and business accounts and they refused to conduct a secondary review and would not give any explanation. DO BETTER CHASE! This is ridiculous!
Product: Debt collection

I filed Chapter XXXX Bankruptcy on my XXXX XXXX XXXX XXXX XXXX and the balance of {$79000.00} was discharged XX/XX/XXXX. I have been maintaining the payments in order to keep the property. In XX/XX/XXXX. XXXX XXXX  XXXX sold my account to Select Portfolio Services and now they are calling me, requesting payment. XXXX XXXX XXXX told me that they would have to follow the same laws and could not call and harass me. I informed the last representative that I filed bankruptcy years ago and that they are not allowed to call me. 
This representative, XXXX XXXX, said that they are allowed to continue to call me as long as I keep the property. I spoke with an attorney and was advised that they are NOT allowed to call me and request this debt. I have also received bills from them informing me that I am late! They have called me multiple times a day and even on a Sunday before XXXX XXXX!!
Product: Bank account or service

I opened a checking account at Citibank under the promotional code XXXX. This promotional offer is a {$400.00} bonus if I deposit {$15000.00} in new to Citibank funds into a checking account, and holding the money for XXXX days. Once that requirement is fulfilled, Citibank had XXXX days to credit me the {$400.00} bonus. I deposited {$15000.00} into my new checking account on XX/XX/XXXX. Therefore, the bonus should have been posted to my account by XX/XX/XXXX. As of XX/XX/XXXX, the bonus has not posted.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX  XXXX XX/XX/2022
Product: Mortgage

If the servicer that is correct I paid {$900000.00} for a {$270000.00} house Or {$600000.00} interest
Product: Credit card or prepaid card

Capital One credit card number XXXX on XXXX and XXXX I made two separate on line payments of {$3000.00} payment from my business ' bank account XXXX XXXX XXXX XXXX XXXX Capital one chose to credit only one payment several attempt ware made claiming credit for the payment made each time Capital One indicated that they will revie and credit will be posted in next billing cycle, but that never happen. Meanwhile I continue making payment for interest since that date. 
I hope as resolution to give me the credit for the XXXX that they have in there bank account and did posted plus the interest that I pay Evidence presented : 1 ) copy of bank account 2 ) copy of bank confirmation that the payment was made to Capital One in two different dates 3 ) letter from bank officer
Product: Credit reporting, credit repair services, or other personal consumer reports

This was not sent in error. I am a consumer by law and in regards to the incorrect items on my credit report it has been well over 30 days and I have not received any investigation results or been notified on my investigation status making my credit report not 100 % accurate
Product: Debt collection

XXXX  judgment with lawyer at Kramer and frank my debt consolidation program has been trying to reach their office since XXXX they dont return phone calls I ve tried left messages with no luck just want to pay them in full they are still on my credit report harassing my life and my progress forward they are terrible
Product: Credit reporting or other personal consumer reports

Back in XXXX of XXXX I had severe health problems which led to me being forced to be under medically XXXX XXXX. Luckily for me the health issues I was able to overcome, after staying in the hospital for over 2 weeks I was then transferred to a XXXX XXXX for another 2 weeks. Once I was XXXX to go home I started slowly to get back into normal daily cycle that when I realized while I was in the hospital under XXXX XXXX my mortgage payment didn't go through since my bank account was jeopardized. Again if I dint have the health issues and if I was home I would have known as soon as it happened and I would have fixed it at my earliest since I take m credit very seriously. I know this loan is already transferred and my loan with XXXX XXXX XXXX has been closed.
Product: Debt collection

I applied for a loan recently and got copies of my credit reports afterward. I found out that Capio Partners is  reporting a medical debt to the credit bureaus twice, under two different account numbers. 

The first tradeline I see on my report is reported under Capio Partners as account number XXXX in the amount {$2600.00}. The identical debt is reported a second time under XXXX XXXX XXXX/Capio account number XXXX, amount {$2600.00}. As a result, my credit report shows {$5300.00} owed instead of the original {$2600.00}. Both are on my report simultaneously. 

I can not in any way see how it is legal to report the same debt twice under different account numbers. This is clearly impacting my score negatively and unfairly and a quick conversation I had with a consumer rights attorney leads me to believe it is not legal. 

On top of this, I should not have any kind of debt of this nature due to XXXX Hospital at all and certainly never received any bill or invoice from the original creditor indicating this.
Product: Checking or savings account

Branch XXXX should be removed XXXX XXXX is Very unprofessional and posses very poor managements skills.This branch failed to follow the simple steps on how to open a business bank account. Causing me to miss out business and personal time/profits due to their incompetence. As if the mistake they made was not enough, the branch XXXX XXXX took it on him to Closed my account and claimed charged off erroneous. Failed to provided timely resolution to their mistakes and abusing of his branch managerial powers to close my account. 
No consumer should ever feel afraid and the pain of a managers poor abilities to take care of their clients personal information and complete a simple banking transaction. It would be great for the community to replace this team member XXXX XXXX from this branch with more knowledgeable and friendly staff.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, and I am writing to dispute the following fraudulent charges on my account : XXXX {$8700.00} Opened XX/XX/XXXX XXXX XXXX XXXX   {$4800.00} Opened XX/XX/XXXX I did not make the charges listed above. I request that you remove all fraudulent charges and any related fees, send me an updated and accurate statement, and close the account. I also request that you stop reporting the inaccurate information to credit bureaus. 
I have enclosed my Identity Theft Report, proof of my identity, and a copy of my credit report showing fraudulent items related to your company. I also have enclosed a copy of the Notice to Furnishers of Information, which explains your responsibilities when providing information to credit bureaus. 
The Notice also states that if a credit bureau notifies you that information you provided may be the result of identity theft, you must stop reporting the inaccurate information and you can not attempt to sell or transfer the fraudulent d Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. Debts to another party for collection. 
Please investigate this matter and send me a written explanation of your findings and actions. Sincerely,
Product: Checking or savings account

My mother was the payee rep and guardian for my XXXX cousins. They are the nieces and nephew of my grandmother who is deceased. In the XXXX 's their parent passed and my mother took over making sure they were cared for. Last year my mom had a XXXX. In XX/XX/XXXX my mom and I went to PNC XXXX branch. She attempted to add me to the accounts for the XXXX cousins, but was told I could not be added. We would need to go to courthouse and get verification of guardianship and payee rep changed. We were afraid of closing the accounts because their social security XXXX checks were direct deposit. We went to social security and they changed me to payee rep as of XX/XX/XXXX. The courthouse had set a date in XXXX to have a hearing for both mom and me to change guardianship, but mom had another XXXX and was in XXXX. Since my mom could not go to court the courts appointed a GuardianAdLitem to represent the XXXX cousins. After she checked out everyone they granted me guardianship on XX/XX/XXXX. I have taken these papers to the PNC bank and they sent them to their legal department. When I check to see if they will allow me access so I can start a new account with me on there to pay the XXXX XXXX and nursing homes they tell me the legal dept denied me. My mom had called them several times, I have been there several times, my sister and my dad all have gone to see if we can get this changed so I can pay the people taking care of the XXXX cousins. My mom use to transfer the money to her account and write a check. Now mom passed away in XXXX and my dad is living with me and he had a XXXX. I am a single mom, work full time and care for my dad. Now they tell me that even if they do give me access they will have to issue a check to the social security office. The Social Security office worker told me to tell them no don't do that because it would take up to 6 months to get another check issued. That will be 8 months their XXXX XXXX would not be paid and I can't pay the pharmacy bills for any of their medicines. I called my House of Rep and they suggested I call a lawyer because this no right. I called the NC Commissioner of Banks and they said they would get a lawyer too and suggested I contact Consumer Financial Protection. I just want to be able to pay the facilities that my cousins are staying at for their services and for their medicines. I have no money to get a lawyer and I have missed a lot of time taking off work just to take care of them and get this straight. Now I understand why families just end up turning their family members over to the state.
Product: Debt collection

I've repeatedly received calls and Voicemails about " debt. '' It's a constant voicemail and I'm continuously receiving these calls despite having been registered on the " do-not-call list '' since XX/XX/XXXX. I'm begging for action to be taken to stop the harassment by way of repeated phone calls. 

The number calling is listed on my phone as XXXX ; but of course I have no idea if this is the actual number calling. Phone calls still on my call history clearly show I'm on a robo-calling list that routinely calls weekly despite my registration on the 'do not call list, ' and include a call history of : XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX The list continues on after this, too, these are only THE LAST 8 CALLS. I'm begging for action and recourse if possible. If there's any evidence necessary to prosecute, I'm happy to provide it - this is a weekly situation that continues as recently as this morning and I sincerely would appreciate any legal action that can be afforded to this company as they have CLEARLY violated the do not call registry requirements. Clearly the penalties are not a deterrent to these companies and it's frustrating, since I have never heard of this company, never used the phone Number attached to them, or reached out to them to solicit any correspondence of any kind. 

I've documented the incessant calls and have a longer call history that goes WELL beyond the above referenced incidents.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Complaint Regarding Failure to Reinvestigate Account XXXX XXXX XXXX XXXX 

Dear Sir/Madam, I am writing to file a formal complaint regarding a critical issue with the reinvestigation process on my credit report, as mandated by the regulations outlined in 15 USC 1666 ( b ) and 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ). Experian has failed to remove a late payment from my XXXX XXXX XXXX account , despite the necessary steps being taken on my part to rectify this incorrect information. 

I recently disputed the presence of a late payment on my XXXX XXXX XXXXXXXX account , which has been negatively impacting my credit history. According to the Fair Credit Reporting Act, I have the right to an accurate and fair credit report. After my dispute, Experian was obligated to conduct a reinvestigation into the matter and ensure that any inaccuracies are promptly corrected. 

Despite this statutory obligation, Experian has failed to carry out a proper reinvestigation and correct the inaccurate information on my credit report. This negligence has not only affected my credit score but also compromised my financial well-being. 

I request that Experian urgently investigate this matter and ensure compliance with the regulations stipulated under the law. I am seeking prompt action to rectify this error and restore the accuracy of my credit report. 

Attached to this letter are supporting documents relevant to my case, including copies of correspondence with Experian and XXXX XXXX XXXX . I appreciate your attention to this matter and look forward to a swift resolution. 

Thank you for your prompt assistance in this regard. 

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

The bankruptcy reporting on my credit profile does not belong to me and needs to be removed. It has not been verified for accuracy and validity and I've obtained a letter from the court indicating that they do not provide documentation to the credit bureaus. Transunion is the ONLY company reporting this inaccurate information. 

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Debt collection

I did business with XXXX XXXX XXXX XXXX, and terminated my business with them in XX/XX/XXXX. They sent me a bill which was inaccurate, and I challenged them on the charges without response. XXXX XXXX XXXX hired Credence Resource Management LLC ; for which this complaint is against. I did not contact Credence directly ; but instead disputed the hit on my credit file with XXXX on XX/XX/XXXX. XXXX denied the dispute on XX/XX/XXXX stating Credence had proven the debt. 

Credence sent me altered XXXX XXXX XXXX documents on XX/XX/XXXX, with obvious cut and paste portions to make it appear the bills were sent to me by XXXX XXXX XXXX in XX/XX/XXXX ;  which they were not. I did a photo-scan of all the documents with notes and submitted them back to XXXX today ; XX/XX/XXXX to reopen and investigate not only the claim, but also the fraud Credence was trying to pass. I have not received any direct correspondence from XXXX XXXX XXXX for years, and my numbers and address have not changed in over 10 years. 

I would like to have my credit file corrected, and Credence investigated and penalized for fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has taken complete control of my identity.I have been getting notification that the same companies keep sending credit bureaus request for my credit report .I have not applied to any of the companies that is on this report and not sure who has my personal information and how there able to use it at free will.I have been trying to contact the credit bureaus by phone trying to explain this issue but as of today they have not been able to resolve the issue ..Please Please help me take back my life this has truly been a nightmare
Product: Student loan

I was in school for two years. I took a break for a semester and tried to keep going with my degree but the program was cancelled and my credits are non-transferable and I am unable to obtain my degree.
Product: Prepaid card

From my first claim problem, I was not informed about claims when I have an problem about my account.how to solve the problem of funds being used was for me to report my card lost stolen cause for me to not to get any information on my account over the time of multiple false changes in funds on my account became touch in another way stolen.It started building up then I became confused to break down how to find my transaction and the wrong one all claims I have made were 1year or 2 old a little at a time not even what my spoken wrong transactions were properly paid piece by piece and lost claims.My debit card was even mailed to an very old address and city and I always have to let rep know which account I am calling for and when I ask about this other account i couldn't get any information on the account
Product: Vehicle loan or lease

Unfortunantly I am not in the best health and I have to have XXXX due to a XXXX XXXX in a few days, so I called avid acceptance to see if I could get a deferred payment for this month. The first guy I spoke to said : yes we do deferred payments and I will have your loan manager give you a call. waited a day and I still didn't get any call, so I called this morning and I was told that people are on a waiting list for deferred payments and they could put me on the list for a deferred payment. So basically they are only given allotted deferments and since I was not on the list I could get a deferment. Again I explained to the lady I was talking to that at this time I have no money, and unable to work. I asked to speak to a supervisor and was put on hold for XXXX minutes, and she stated that the supervisor went into a meeting but said I could get a deferment for XXXX. so this whole you have to be on a waiting list is pathetic.
Product: Mortgage

Since PenFed have switched to their new mortgage system I have had nothing but problems. I am filing this complaint at the request of a PenFed agent as they dont have any control over these issues and are unable to assist me further. I am no longer able to make payments online so each month I have to call to make payments. I have put in 2 service tickets to get this issue fixed but as of today I still can not make online payments. 

The first payment I made with an agent over the phone on XX/XX/2020 was drafted incorrectly from my XXXX XXXX account instead of my PenFed account as requested. This left my XXXX XXXX account over drawn until they returned the payment resulting in a returned payment fee. 

The second payment was made on XX/XX/2020. This payment did draft out of my Pen Fed but according to the pen fed agent didnt post correctly resulting in late fees. All the agent was able to do was put in a request to have the late fees waived and have the payment reapplied correctly. 

Additional concerns are : Why arent customer service agents able to make changes to mortgage accounts? Anything from making a payment to changing something on my account has to have a request made and sent to someone else. 

Why does it take more than a day to make internal transfers from my PenFed account to my PenFed mortgage? Before the mew system this was an instant process.
Product: Student loan

Hi, Per my tax document it states I did NOT pay interest from XXXX. 

Per the Interest Rate response email on XXXX XXXX XXXX, when will I be reimbursed for the {$2100.00} paid in student loan interest during the Remediation Forbearance from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Below are the dates and amounts totaling the {$2100.00}. 
- XX/XX/XXXX - {$52.00} - XX/XX/XXXX - {$69.00} - XX/XX/XXXX - {$120.00} - XX/XX/XXXX - {$270.00} - XX/XX/XXXX - {$270.00} - XX/XX/XXXX - {$120.00} - XX/XX/XXXX - {$420.00} - XX/XX/XXXX - {$520.00} - XX/XX/XXXX - {$140.00} - XX/XX/XXXX - {$150.00} Total Amount = {$2100.00} reimbursement. 

Thank you, XXXX XXXX, Account Holder
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I was looking at my credit report on XX/XX/XXXX there seems to be a few mistakes that were never corrected. Let me explain in detail I am being told I have 13 with XXXX  & that I have 8 inquiry 's with XXXX. This is 100 % inaccurate. I always pay my bills online and never signed any documents for any of these companies I list to run my credit report to anyone. I will show you the screen shots but I'll write here as well most of these are going to be from a car dealership that I never ever gave them authorization to run my credit score. this 100 % fraud and never authorized by me. The following items should be removed from my report from all credit agencies XXXX, XXXX, experian. XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX XXXX, XXXX  XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX & XXXX XXXX XX/XX/XXXX. Most of these companies i never even heard of I tried calling some of them and kept giving me run around. I never signed anything for any of those companies and I never applied online or gave anyone the right to speak on my behalf. This is 100 % fraud