23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Fay Servicing , LLC ( " Fay '' ) took over servicing of my mortgage in XX/XX/XXXX from XXXX XXXX XXXX. Since taking over the mortgage, they have not sent any statements of amounts due or any breakdown of principal, interest, fees or other amounts being collected. Fay sent a notice to accelerate my mortgage in about XX/XX/XXXX, and I sent a letter complaining of the lack of any statements as well as a check to pay the arrears. I still have never received any statements on my mortgage. Ever. 

I sent another letter dated XX/XX/XXXX to again complain that I have not received any statements. I also requested relief as a result of the coronavirus pandemic and the reduction of the revenues of my firm. 

Fay has now filed a notice of default even though I have never received a single statement or invoice for payment. When Fay took over servicing of the loan, Fay never sent me a letter indicating the amount due per month.
Product: Credit card or prepaid card

On XX/XX/2023, Wells Fargo informed that they would be mailing a new BUSINESS Credit CARD XXXX as a result of fraudulent vendor " manually '' entered use of the existing card, that was to be enrolled in a monthly re-occurring automatic charge to the account. This was reported and confirmed by Wells Fargo customer service as a " Manually '' entered transaction, confirming that the fraudulent vendor was not in possession of the physical card. 


On XX/XX/2023 - XXXX XXXX an automated email notice was received with notice that an automated BillPay program had been activated to this new replacement credit card XXXX for which I as a consumer, never authorized or was made aware of. 

( See Below ) -- -- -Original Message -- -- - From : Wells Fargo XXXX Sent : Friday, XX/XX/2023 XX/XX/XXXX To : XXXX Subject : Bill Pay : New Wells Fargo payee ( s ) added We've added the following Wells Fargo payee to your list of payees in your Bill Pay service. 

Payee name ( nickname ) Payee account number Payee address -- -- -- -- -- -- -- -- -- -- - -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - WELLS FARGO CREDIT CA XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX If you have questions about your bill pay service, call Wells Fargo Online Customer Service at XXXX. 


========================= Please do not reply to this automated email. 



Complaint : Wells Fargo has activate some sort of AUTO BILL service for a credit card that is not even in my possession and for which has not been authorized by the business customer to be pulled from any of the multiple business checking/saving accounts associated with the business. Automatically linking a credit card account to some checking account without customer pre-authorization or knowledge, in addition to linking it to some " default '' checking or saving account is potentially harmful to the customer, since there may not be funds available and may cause overdraft fees
Product: Credit reporting

XXXX XXXX XXXX {$220000.00} Filed XXXX This is straight from my credit report I have never had a bankruptcy in my life yet this Tax lien/Bankruptcy is showing on my credit report and they will not remove it. It is stopping me from refinancing even thought the title company reported that it does not or never has belonged to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are reporting incorrectly a collection for the XXXX partial account number XXXXXXXX. ( Please see page 11 of the attached credit report. ) This account reports a {$0.00} balance and is over 7 years old. Reporting this line item is a violation of the Fair Credit Reporting Act. XXXX is reporting this account correctly. This negative reporting is harming my credit score. This trade line item needs to be removed from my credit report.
Product: Debt collection

I recently received a collection account on my TransUnion credit report that I had on idea about for {$810.00} from XXXX XXXX with original creditor being XXXX. I immediately contacted XXXX XXXX about the account and was met with rude comments and profanity about the account. Prior to this appearing on my credit account I have never received any type of correspondence via mail, email, or phone about this debt. They listed the account as opened on XXXX XXXX, XXXX but when I contacted them they informed me that the debt was from XXXX. I informed them that I didn't recognize the account and they told me that they wouldn't verify the debt and that it was my responsibility to file a police report on the debt? I have since contacted XXXX and they also have no record of the account under my name in XXXX, OH. XXXX XXXX   refuse to remove the account from my bureau with false information.
Product: Mortgage

Bank of America told me that I could get a 30 year FHA mortgage loan through them at 3.8 % with no points and only a loan origination fee of approximately {$1000.00}. I was sent a GFE with those terms. The day before closing, I was sent the paperwork and noticed that I was being charged points and a bigger loan origination fee ( totaling {$3400.00} instead of {$1000.00} ). The seller 's bank would not approve pushing closing back while I looked into the discrepancy, so I asked my loan officer about the differences and he apologized and said he would check on getting me a refund after closing. During one of our discussions after closing, he said that I signed a document agreeing to the points and additional fees, so there was nothing he could do. I asked for a copy of the document. It was one that was sent to me in the mail in a packet that I did sign, but the listed charges that were later listed as points and loan origination charges were listed as 'settlement charges ' and since he told me there were no points and the only bank fee was ~ {$1000.00}, I believed the 'settlement charges ' were charges that were unrelated to points or bank fees, but rather charges that are standard and everyone pays with every FHA mortgage . When I explained this to him, he said that he would look into in and get back with me. Every time I contact him and ask him for an update, he says something like, 'let me check ' and never gets back to me. I feel this is very deceptive and they should refund me the {$2400.00} extra they charged.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) concerning inaccuracies on my credit reports, which I have previously disputed with XXXX, XXXX, and Experian. Despite my repeated attempts to resolve these issues, I have encountered little to no results and continued financial hardship due to identity theft and credit reporting inaccuracies. I am seeking an urgent resolution and compensation for the damages incurred as a result of these inaccuracies and identity theft. 

I have diligently followed the official dispute process with the credit reporting agencies, providing detailed documentation, and highlighting the items that are not accurate, fraudulent, or related to identity theft. Despite my efforts, my credit reports remain plagued with incorrect information, making it challenging to secure loans, housing, and employment. 

The inaccuracies and the identity theft-related entries have not only tarnished my creditworthiness but have also caused severe financial stress and emotional distress. I have attached copies of the relevant credit reports, highlighting the discrepancies and fraudulent entries, along with the previous dispute correspondence for your reference. 

I respectfully request the following actions be taken to rectify this situation : A thorough investigation into the inaccuracies on my credit reports and the identity theft issues that have not been appropriately addressed. 
Urgent correction and removal of all inaccurate, fraudulent, or identity theft-related items from my credit reports. 
Notification to XXXX, XXXX, and Experian to promptly update my credit reports with the corrected and accurate information. 
Compensation for the damages I have suffered due to these inaccuracies and identity theft, including financial losses, emotional distress, and any associated legal fees. 
I am fully aware of the importance of accurate and fair credit reporting, and I believe that the CFPB 's intervention is crucial to ensuring that my credit reports reflect a true and accurate representation of my credit history. 

I kindly request that this matter be addressed with utmost urgency, considering the significant impact it has on my financial well-being. I would appreciate your prompt attention and resolution. Please keep me informed of the progress and outcome of this investigation. 

I am willing to cooperate fully, providing any additional information or documentation necessary to facilitate this dispute and expedite the resolution process. 

Thank you for your prompt attention to this critical issue, and I trust in the CFPB 's commitment to protecting consumers ' rights and ensuring fair and accurate credit reporting.
Product: Mortgage

I participated in a refinance application with my current lender in XX/XX/2020 who conducted a home appraisal for the process. When we realized they didn't have the product I needed, I transferred my application to Citibank. Citibank received all the necessary ( & requested ) paperwork but neglected to advance my file until my appraisal " expired ''. My loan officer advised a 2nd appraisal was just a formality and that the {$700.00} would be refunded to me upon closing. Citibank has been unable to close on the loan to date and I have been subjected long periods of time with ZERO communication/updates on application ( to the point where I had to BEG for an update ), my credit file also had to remain frozen/unchanged for almost 9 months while the application was " in process '' which cost me valuable opportunities ; opportunities which I needed to maintain secure finances during COVID. 

After exhaustive amount of patience and no results to show for the time invested, I have made several pleas to the bank 's branch manager and no longer wish to pursue partnership with Citibank and am requesting a return of all costs as no services were rendered.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I received a letter ( XXXX XXXX XXXX XXXX ) from Equifax in response to my dispute to the inaccurate information on my credit file. This inaccurate information pertains to my credit card and is currently hurting my ability to get credit. My XXXX XXXX card should show 51 % paid off and the XXXX XXXX card should show 67 %, but there has been no update to this dispute. The letter says that Equifax is unable to locate my credit file, but I have had several credit and loan applications rejected on the basis on information obtained from them to my creditors. I already sent the SSN and additional identification documents on XX/XX/XXXX when I sent a letter to them via certified postal mail ( XXXX ) asking them to validate my alleged debts which they also have NOT validated nor removed from my credit file even though both XXXX   and XXXX have already removed those unvalidated, negative collection accounts from my credit accounts which have hurt my ability to get credit. 

I should not have to do Equifax 's job for them, especially when I already sent the ID information to verify myself to them on XX/XX/XXXX. After the end of this XXXX, if no action is taken to remove all negative collection accounts, promotional inquiries, and unvalidated inquiries from unknown creditors on my file, I will be suing Equifax in either small claims court or federal court for every infraction of my rights to the fullest extent of the statutory law which protects my rights. 

I have attached a copy of my denial letter from XXXX XXXX for a credit increase based on information given to them from Equifax Inc. They say they can not fine my credit file, but this is a misrepresentation on their part. Additionally, I am also attaching my file from XXXX XXXX which Equifax provides information every month typically to update me on my credit file.
Product: Credit card or prepaid card

On XX/XX/XXXX around XXXX XXXX  EST, I spoke with XXXX from American Express. I explained that Covid-19 was causing me money issues. She asked if I could pay my bill, " Do you think you will be able to pay this payment due in next 30-60 days? '' I replied with, " the full amount I would say 60 days safely. '' I explained I had been a member for 16 years and they agreed. When I told her I could pay {$400.00} on XXXX XXXX, she proceeded to offer me only 48 days after just. She then quickly offered a longer plan that cost interest over the long term. I feel this was a bait and switch praying on those in need with Covid-19. 

After this attempt to arrange payment, they started calling me with disconnected calls throughout the day and also after XXXX at night. At XXXX on XX/XX/2020 I received a call from XXXX from a person who I could not understand his name, all I could make out is he was from American Express . I asked if he was a debt collector attempting to collect a debt and he refused to answer stating only that he was from American Express. I informed him the law prevented him from calling this late at night and that it was XXXX at night. The following night again at XXXX on XX/XX/2020 they called again refusing to identify as a debt collector. I identified that it was XXXX and they were violating federal law. That night they called again at XXXX on XX/XX/2020 again not identifying themselves as debt collectors. On the third time it is clear this is harassment and not an accident. 

On XX/XX/XXXX at XXXX, I spoke to XXXX and attempted to settle this debt under their Covid-19 offerings but they said I was no longer eligible and that I could have payments deferred under their interest accruing plan. I declined and ask that XXXX ensure their call logs for the phone calls that violated federal law not be destroyed. By the conversation, it appears they still did not have my number labeled as an EST time zone. XXXX said, " I have raised a complaint from my end and the team will work to stop the calls post XXXX EST. '' This leads me to believe they will continue the harassment and have no regard for me other than trying to collect a little extra on the account. 

I am requesting action be taken because of the violations ... 
Harrasment : repeatedly use the phone to annoy you
Product: Consumer Loan

Truck loan through Santander ... Truck should have been paied of they came and took the tuck and sent us a letter stating that the truck auctioned off for XXXX $ and we were responsible for the rest I have asked for a copy of the sales receipt and they have refused to provide me with one ... ... so they really sols a XXXX Fully loaded jeep commander for XXXX XXXX ..I do n't think so
Product: Credit reporting or other personal consumer reports

Accuracy Requirement " Under the FCRA, 15 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain maximum possible accuracy in their reporting. This account contains inaccurate or unverifiable information and must be corrected or removed. '' PLEASE PROVIDE MY SIGNATURES FOR EACH COMPANIES. If each of these companies can not please have them to remove immediately. 

XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX ( Auto ) XXXX  XXXX XXXX XXXX ( Auto ) XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXXXX/XX/year> Dispute and Reinvestigation " Pursuant to 15 U.S.C. 1681i ( a ) ( 1 ), I am disputing this account. I request that the credit reporting agency conduct a reasonable reinvestigation to verify the accuracy of this information or delete it if it can not be verified within 30 days. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 
XXXX XXXX XXXX XXXX
Product: Debt collection

After reviewing my credit report i have noted some discrepancy on Jefferson Capital Account Number XXXX validation was requested and none was provided. I have not received any correspondence from them only harassing calls. This is not my debt I have never had XXXX XXXX
Product: Credit card

A fraudelent charge was made on my Wayfair Citi Bank card on XX/XX/ for {$200.00}. The purchase was done on-line from a person in XXXX for a gaming chair. I'm XXXX XXXX XXXX and live in XXXX. I did not make this purchase and I alerted Wayfair and Citi Bank. Citi 's Security Operations ook my claim and removed the charges. However, in XXXX, the charge was returned to my card due to the " lack of information to support my claim ''. This began a barage of phone calls about overdue payment and late charges. I've received several letters letting me know that my credit would be impacted. I've called Citi 's Security Operations several times. Speaking to XXXX, XXXX and XXXX on seperate occasions. All assured me that this was a fraudelent charge and they would personally remove it. This was obviously a scripted response since each said the exact same thing. It is now XXXX  My last letter was dated XXXX saying that they will be reporsting me to the XXXX credit bureaus if I didn't pay the charge and the late fees. How dare they continue this harrassment and extortion. This needs to addressed and other need to know not to sign up for the Wayfair Citi Bank card. My identity was stolen through and on-line purcahse due to their lack of security and they are blaming me. Stay away from this company and their credit cards.
Product: Credit card or prepaid card

In XX/XX/2018 I noticed an unauthorized charge on my credit card by XXXX XXXX ( I don't even own a TV ). I immediately contacted the credit card company ( BBVA Compass ) by phone, and they assured me they would take care of it and that I would be charged no fees or interest while it was under investigation. The following month the charge was still on my card, so I called them again. Same response, telling me they had 90 days to take care of it. Meanwhile, I called XXXX XXXX myself, and they told me they had never made the charge!! I notified the BBVA Compass " fraud '' department ( I use the term loosely ), and received the usual " we have 90 days, blah, blah, blah. '' The following month the charge was still there, so this time I wrote them a letter. I received no response to my letter. By this time I was receiving late fees and dunning letters. I made one final call to them a few weeks ago, but nothing has changed with my account. Clearly, there is nothing further that I can do. Of course, I will never, never pay the charge, but BBVA needs their hand slapped for ignoring a fraudulent charge and treating a customer with such utter disdain, and for ruining a customer 's credit.
Product: Credit card or prepaid card

I have had a Lowes credit card for many years.

When I went to the hospital this summer, I wanted to have my son and his friend be able to pick up things from the store for me.

When I called Lowe 's to add them to my account, Lowe 's canceled my card and issued two cards to the boys. When Lowe 's did this, they put hard credit hits on each of the boy 's credit reports without their permission. 

I still await my replacement card that was taken and blocked during a time when I have needed to use the card. This has been very inconvenient for me. 
When I called to ask them to take the hard hits they put against the puts off, Lowe 's refused and said the boys would have to call them themselves and provide social security numbers and driver 's licenses to have the hits removed.

This is not fair to the boys who did not ask to have Lowe 's search their accounts.
Product: Debt collection

To whom it may concern, I have several collection accounts on my credit reports from a company named Consolidated Recovery SYstems. The accounts are listed for XXXX XXXX and XXXX XXXX XXXX. Please be advised that I am disputing these collections due to the fact that Consolidated Recovery Systems does not currently have a valid license to collect debts in Tn. The information is currently stating that their license is currently expired according to verify.tn.gov. I am requesting that you investigate the matter and immediately delete these accounts from my credit file or provide me with physical proof that Consolidated Recovery Systems are licensed to collect debts in TN. Your immediate response would be greatly appreciated.
Product: Debt collection

XXXX XXXX cancelled on XX/XX/XXXX. XXXX continues to try to collect a full monthly payment of {$120.00} for period XX/XX/XXXX through XX/XX/XXXX. XXXX has sent this to a debt collector. XXXX has continued to mail billing statements, send text messages, and call. I have sent a detailed letter to the debt collector with a check in the amount of {$20.00} to pay XXXX for service from XX/XX/XXXX through XX/XX/XXXX. I have sent a separate letter to the CEO of XXXX with a copy of my letter to the debt collector.
Product: Debt collection

I have checked my Credit Report and I saw 1 account in collection with Aldous & Associates , PLLC regarding XXXX XXXX. I went to the gym around in XX/XX/XXXX to cancel the service and paid off all the balance I was owing. One year later I discovered the were taking money from my account without my knowledge. I called to my bank to stop those payments. I have not gone to the gym since XXXX. I can not believe they are trying to charge me {$83.00} more after they had gotten free money for more than one year.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting on my credit file inaccurate information on my credit report. XXXX XXXX XXXX account # XXXXXXXX XXXX XXXXXXXX as Seriously Past Due, Balance Past Due Amount {$930.00} as of XXXX XXXX, AND reporting under same Collection PAID OFF.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ( XXXX ) XXXX Date : XX/XX/year>2025 To : LexisNexis Risk Solutions Consumer Center XXXX XXXX XXXX XXXX, GA XXXX Subject : Request to Update Public Records with Phone Number Dear XXXX Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : ( XXXX ) XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I applied for a Paypal Mastercard from Synchrony Bank. Synchrony declined my application stating my XXXX credit report was frozen. I logged into XXXX 's website and confirmed that my report was not frozen, then I reapplied for the card and was declined for the same reason. I tried again and again was declined. I contacted Synchrony to open a case and the 'credit bureau specialist ' who reviewed my account simply restated that my application was denied because my credit report was frozen.