23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On or about early XX/XX/2023 I received confirmation from Wells Fargo Bank that Ive been approved for the Loan Modification. And everything was confirmed on my part by way of communication with the Preservation Department that I agreeing to pay the required monthly amount. However on today XX/XX/2023 Wells Fargo appeared to have reneged on its oath because they had their XXXX XXXX XXXX send me a Court Filing Notice Stating that my property is still in Foreclosure and will be up for XXXX XXXX on XX/XX/2023. However when I contacted Wells Fargo on today about this matter I was told that in some states such as Pennsylvania they can not stop Foreclosure and they will not inform the individuals working for them to stop their constant harassment. Then to add an insult as youll see they purposely mentioned my late mother XXXX XXXX XXXX name on the document. This particular third party is working with Wells Fargo and illegally with my Step Father XXXX XXXX to whom hasnt been seen since XXXX knows when and he didnt even attend his wifes ( My Mothers ) Funeral
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Inaccurate Information on my Equifax Credit Report XXXX XXXX XXXX Account # XXXX Complaint Reference : XXXX & XXXX Dear Sir/Madam, I am filing a formal complaint regarding the inaccurate and negative information reported on my credit report by Equifax related to my XXXX  XXXX XXXX account ( Account # XXXX XXXX. This complaint is made in light of the recent lawsuit filed by the Bureau against Equifax Information Solutions , Inc., which alleges several violations of the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act of 2010. 
As outlined in the lawsuit, Equifax has failed to comply with the following provisions of the FCRA and CFPA, which directly affect my credit reporting and dispute resolution : 1. Failure to Properly Investigate Disputes : Equifax has not properly reinvestigated disputed information in my credit file, as required by the FCRA. I believe the information related to my XXXX XXXX XXXX account is inaccurate, incomplete, or unverifiable. Despite previous disputes, this information remains on my report, and it should be removed or corrected. 
2. Inadequate Dispute Resolution : Equifax has failed to provide me with adequate written notice regarding the results of my disputes. I have not received the required communication that fully explains the investigation and resolution of the disputed account information. 
3. Improper Reinsertions of Deleted Information : I believe that negative information regarding my XXXX  XXXX XXXX account may have been improperly reinserted into my credit file after being deleted. This is a direct violation of the FCRA and must be corrected. 
4. Inaccurate Conveyance of Disputes : Based on the Bureau 's lawsuit, I believe that Equifax mishandled my previous dispute by either distorting or mischaracterizing the details of my dispute before forwarding it to the furnisher, XXXX XXXX XXXX. This has led to an unfair and inaccurate representation of my credit history.
Product: Money transfer, virtual currency, or money service

A person posing as a home owner agreed to lease a house for the deposit and first months rent. I paid these through zelle after having had a multiple conversations with the person on the phone and having visited the property. It was afterwards that some further investigation showed they did not own the property as it was owned by a company who rents out homes. Their name was never listed on the county register.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX 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 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
Product: Credit card

Let me tell you a story about CITI Bank and how they treat their cardholders. 

My family and I went on a XXXX, in XXXX of 2015. Before we left I contacted Citi Bank and informed with a nearly complete itinerary of where and when I would be in XXXX and that I would be making a substantial payment on my card so that I would have plenty of credit available. At the time I had a {$10000.00} limit. I was informed I was all set for my trip and that I would not have any problems. 
Apparently several days after I left ( remember CITI knows when I was leaving ), my credit limit was reduced by CITI to {$6500.00}, approximately how much was charged on the card, therefore I had about XXXX credit available. When I found out via a satellite courtesy call from the ship to CITI, an account manager recommended paying another {$1000.00} down on my card and I would be all set for the rest of my trip. So we did a phone transfer from my bank to the card. All set again right! 
So 5 or 6 days later when it came time to disembark in XXXX and come back to the good old USA, it turns out CITI refused the charge. Since it was the only card I had with me I was stuck, for all intents and purposes trapped with my wife and XXXX daughter. Fortunately another family member on board had another credit card for us to borrow. 
Finally about 3 or 4 weeks later we decided to confront CITI with this fiasco and how this happened. We called CITI and a customer care representative made about a half dozen excuses ' and then said CITI bank was sorry and they would give me {$100.00} for my trouble. I said that was unacceptable and I would like to speak to a manager/supervisor about this. There was no one available at the time, so we being understanding offered to make an appointment for a call back. The appointment was made for 4 days later, during normal business hours. The phone call never came. I guess we are n't important enough to call back. 
So a couple of weeks later, a few days after the next bill was due and I did n't pay it. I decided that would be the best way to get a call back. I missed the call that came 3 1/2 weeks later. 
Finally I spoke to an array of CITI another 2 weeks after that, and here are the excuses : My second payment was put on a 5 day hold because it was my second large payment in a monthThe employee who advised me of making the second payment had no knowledge that the hold would be made ( even though it is one of their policies according to another CITI member ). 
I finished my phone call with a customer service manager ( named XXXX ) who proceeded to tell me that it was only bad timing ( possibly a coincidence ) and not CITI 's error in way whatsoever and there was nothing he could do for me. I took that as TOO BAD. 
I do n't believe in coincidences, these decisions were made by CITI intentionally to get as much repayment as possible regardless of the cost to me the customer. I plan on taking CITI to some type of civil court so I can at least expose their ruthless inhumane to more people.
Product: Credit reporting or other personal consumer reports

I bought a property and had a lender. I set up AutoPay because I run a rental business and can not focus on paying all my mortgages each month. However, my mortgage got sold to another company. Then I had to setup an account to do autopay. Unfortunately, the company would not let me set up autopay when I was just a few days late on a payment. The whole reason I could not set it up and was late because of the delays in setting up the account. So this was already stressful, like why can I not setup Autopay just because I am slightly late on the payment? Absolute nonsense. So what happened is the next month was an extremely busy and stressful time for me in managing my 3 businesses. So what happened? My payment was missed because I could not setup the AutoPay because I had to wait until the next month ... the whole system seemed to set me up for failure in actually paying my mortgage on time... the lender also did a very poor job in reaching out to me to inform me of the missed payment. They never called and left voicemails. They did send letters via USPS at a time when they were heavily delayed and losing mail and I also had just moved. This company made no hesitation to report me to the credit bureaus at their earliest convenience after failing to email me or call me... just reaching out via snail mail which never reached me on time. I tried explaining this and pleading to remove this report and they refused. So someone who had an XXXX credit score got knocked down to XXXX ... this was devastating as I was unable to refinance on one of my properties. This company has no moral fiber as far as I am concerned and the worst thing is I did not even choose the guys... it was simply sold by my lender without my say so. I know this is how the industry works but when things like this happen it really has major repercussions for the consumer, who is the most vulnerable. Anything you can do to help would be most greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is refusing to remove fraudulent information From my consumer report. I have requested matter several times with XXXX XXXX and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian XXXX and XXXX have all said that my credit report was true and accurate and it is not. 
They are also under several USC violations.

15 USC 1681b 15 USC 1681c 15 USC 1681n And now 15 USC 1611. 

15 USC 1681b- states that any consumer reporting agency XXXX furniture Consumer report under following circumstances and no other '' in accordance with the written instructions of the consumer to whom it relates ''. Experian XXXX nor XXXX can produce this document because none of them had my written instruction to put these accounts on my credit report. 

15 USC 1681c- states that 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 conviction of crimes. '' 15 USC 1681n- I have received actual damages because of XXXX Experian and XXXX. I can attach the documents for proof as well. I want to be compensated as well. 


I want the accounts listed below to be removed from my credit report for not being true and accurate. I also want them remove for being under several XXXX violations. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

My previous case number XXXX The case is not resolved. 
Ally keeps charging an illegal, unjustified fee of {$180.00} and changed the min payment and has NEVER provided a new maturity date for the loan had a payment of {$5700.00} is. 
ALLY verbally expresses that I still have to make the 120 payments. It's a lie that they spoke with me and told me that my debt will be paid off sooner. 
I need to keep the same multi payment and know how many more payments I still owe, I need to know my maturity day, They must respect the same monthly payment and should not be allowed to charge Other fees. 
Ally is being sued in multiple states for acting fraudulently, please investigate. 
Order them to provide me with the information that I have been requesting since XX/XX/
Product: Credit card or prepaid card

XXXX XXXX has a ad for their Chase Rapid Rewards credit card on their booking site that states, when you purchase a flight you can get a {$200.00} statement credit. They show you the price of the flight you are booking minus {$200.00} using the credit. The details state you can use your newly issued credit card immediately for the purpose of booking this flight. Once approved you get a link that states you must use this link in order to book or you will have issues booking with the new card. I clicked that exact link because this is the only reason I applied for the card. The link takes you back to the exact booking page as if you never applied for a card. You are then left without a card number or a link. I called XXXX to ask where the disconnect was and they connected me to Chase. While I was on hold I did my own digging and found this is a known issue on southwests/chases behalf and a moderator on the southwest question forum has a solution that explains the issue is with the link you are provided and blames it on user error because the user is refreshing the page or clicking the back button too many times. I never did either. I spoke to the representative at Chase who told me all they could do was expedite the delivery of my card so I can use it. I explained how I felt this was deceptive because I only applied under the pretense that I would be able to use the card immediately as the website states and how it wasnt an issue with the link since this is a topic on the XXXX XXXX. Undoubtedly, the price of the flight will now go up between when I get the card and now. I now applied for a card I only applied for because they stated I could use it immediately and that was not true.
Product: Mortgage

Shell Point Mortgage place a lender insurance on me increased my payment by {$600.00} all because they failed to payment my insurance payment on time. I have a conventional loan that includes mortgage, taxes and insurance. I have been overpaying since 2014 and they refuse to help me lower my payment. All I get is the run around.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the Equifax credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of an auto loan with XXXX XXXX opened on XX/XX/XXXX, a collection account with XXXX XXXX XXXX opened on XX/XX/XXXX. I have attached a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize these accounts as reported. These items appearing on my consumer credit report were not opened, made, or initiated by me and are all the result of identity theft and fraud. Additionally, I have attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried rebuilding my credit so I pulled a credit report for all 3 major credit bureaus and there is a credit card from XXXX XXXX XXXX that keeps showing up from a credit card company called XXXX XXXX. I have never ever applied for this card, received a card like this or opened up this account. I have disputed this account on all credit bureaus. They sent it to a collections agency and I explained this to them also and since then they have now changed the status to a charge off and now its reporting that I am currently delinquent. Noone will help me get this removed and its ruining my credit to the point where I cant rebuild and I am a spouse of a XXXX XXXX service member in the military. The collections company reporting this information is called Jefferson Capital that this account was sold to collect this debt in the amount of $ XXXX I called Jefferson Capital they tried to bribe into paying this debt and I refuse to pay a debt that is not mine. I believe I was a victim of identity theft because I did not open this account and I keep on disputing and every time I do they say this information is correct and it isn't. XXXX XXXX is the original creditor. I need help please getting this resolved.
Product: Credit card

Due to job loss back in 2008 I could not pay all my debts. I had contacted the Capital one company and told them I could not pay and to close my account. My credit limit was only {$500.00} and I had not maxed the balance out, but was paying on the balance. I discovered 2 years later that my balance had jumped from {$370.00} to $ XXXX!!! When I contacted Capital one, I was advised that because I had not been paying my balance timely enough, that the charges were continued late fees, penalties and interest! I understand late fees and some interest, but how in the world could anyone pay off a balance with no job when they continue to increase with no cap? I tried to negotiate with them to have me pay off the balance at a set fee, but they still would not allow the negotiation. It still remains on my credit today and after many calls they will not agree to anything! It is not as though I have n't tried over and over, but the charges are excessive and unfair.
Product: Debt collection

I had an been in collections by Burea of Accounts CONTR XXXX Address XXXX XXXX XXXX XXXX XXXX NJ XXXX. Phone XXXX XXXX XXXX. I am filing this complaint with this collections agency for destroying my credit to low 500s. I  am unable to even rent an apartment, or lease a car, or obtain a credit card due to their refusal to submit a claim to my medical insurance company or through my XXXX car insurance company. In NJ a person has the right to submit a claim to either medical or car insurance at their discretion. I confirmed with this company that a year and a half ago they had been informed of my medical insurance that covers ambulance bills. My emergency room visit had gone through my medical insurance but the company refused to submit the claim. I had confirmed with XXXX and there are notations made where I had attempted to even submit the claim myself but was advised the company must submit it. XXXX ID XXXX group XXXX. I am now being billed {$1600.00} with a ruined credit score and according to my plan I was only to be held responsible for 25 % of my ambulance bill because of my great medical coverage. Also, I do not appreciate the discrimination in having my ambulance bill refused to be put through as a claim to my medical and/or through a XXXX car accident claim under XXXX. The other people involved had been given free ambulance ride covered through my XXXX car insurance policy. This company had TWO options of submitting in a claim before they completed ruined my credit score. This company had not only refused to allow me to make monthly payments if it was past claim submission but they had lied to me a year and a half stating they will put the claim through my medical which had been provided over the phone. I had mental health issues for the past 3 years and was put on family medical leave and I do not appreciate them taking advantage of a person with mental health XXXX issues since the date of XX/XX/2017 where I had taken an ambulance to the emergency room. The emergency bill had been covered through my insurance and the ambulance refused to submit the claim to my insurance. I find this discrimination horrific and it has caused me even more emotional distress that could have been solved if they had not discriminated against me. Not to mention, I am unable to even rent an apartment that had led me to end up renting rooms where I was in horrific situations that caused me even more emotional distress. I had attempted to solve this issue on numerous calls about 2 years ago and they refused to cooperate with me. As a resolution I would like to be held accountable for the 25 % of the {$1600.00} that they are billing me for since they had refused to put in the claim within coverage dates to be covered through two insurance companies.
Product: Mortgage

My previous mortgage company has failed to provide a refund for the escrow amount after refinancing. 

There two significant issues.

1. The mortgage company failed to provide a payoff statement to the new mortgage company, delaying the loan closing process.

2. The mortgage company has NOT provided the escrow balance and refund. It has been over 30 days since the loan was closed.

I am attaching the most recent mortgage statement as a supporting document.

The name of the mortgage company is as follows. 

Village Capital & Investments LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX
Product: Credit reporting or other personal consumer reports

I hope this complaint finds you well. I am writing this complaint to you today to address a matter of utmost importance regarding identity theft that has impacted me. I discovered suspicious activity on my credit report, this was brought on by a data breach from XXXX XXXX in XXXX After reviewing the information on my credit report, it came to my attention that an unauthorized account have been opened in my name. I was and am deeply concerned about this breach of my personal information and the potential repercussions it may have on my financial well-being. I have taken immediate steps to report this identity theft incident to the local authorities and have obtained a theft affidavit which I have enclosed with this complaint for your reference. I have also contacted the affected financial institution and desire the placing of fraud alerts on my account to prevent further unauthorized activities. As I reported the problem Experian to rectify this issue, and they removed all but 1 account from my report I kindly request your assistance in blocking the fraudulent account listed on my credit report with Experian. The unauthorized accounts in question are included on the attached affidavit, and it was opened without my knowledge or consent. I have not initiated or authorized any transactions associated with these accounts. In light of the seriousness of this matter, I kindly request that Experian initiate an immediate deletion of the fraudulent accounts. It is crucial to ensure that the erroneous accounts resulting from this identity theft are promptly removed from my credit report. The accounts in question are : XXXXXXXX XXXX XXXX XXXX XXXX. Enclosed with this complaint, please find the following documents that support my claim : 1. A copy of my identification for verification purposes. 2. A copy of the FTC Affidavit detailing the identity theft incident. I understand that resolving cases of identity theft can be a complex process, but I sincerely appreciate your prompt attention to this matter.
Product: Debt collection

This company has called repeated times, claiming I owe a debt from Checkmate Payday Loan. I do not recall ever making this agreement, I asked them to send me the original contract, they refused saying to go a website and I can get it there. I asked them for the physical address and licence number and they refused, stating that it is security protocol. I asked to speak to a supervisor and they kept putting me on a silent hold then a hard hold. They are calling my family saying I owe this debt and trying to collect it from them. I explained to them that they need to stop calling my family, they have my direct line and I have answered every time, they refused. They said they would " keep on harassing me until the debt is paid ''. I have asked for the burden of proof 6 times already, they refuse to send it. I downloaded the cease of communication notice and sent that to them today, XXXX/XXXX/16. They are very aggressive and will not stop their harassing collection techniques.
Product: Debt collection

I received a letter regarding an XXXX credit card account that was written off at least 10 years ago. The bottom of the letter states that unless I dispute the debt within 30 days, the debt collector will obtain a judgment.