23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Hello I am confused. I have already spoken with multiple parties about this company and I was already updated that I do not need to have any interaction with these people. I am being told very rude and out of line things that " I do n't know what I am talking about '' and a " XXXX XXXX '' cuts me off and does not listen to anything that I am saying. I did my research and made my phone calls. I should not be receiving any phone calls from this company. I do n't know where these people graduated from but my intelligence level ca n't be low neither can the rest of the companies that I have spoken to about these people. Stop calling my phone number. I do not owe your company anything. Thank You.
Product: Credit reporting or other personal consumer reports

My husband and I struggled to pay our mortgage at the end of XXXX. After being delinquent for 60 days, we withdrew almost everything from my husband 's XXXX to get caught up. XXXX XXXX never once offered us information about Loan Modification. We had to wire over {$9000.00} to XXXX XXXX to ensure we did not go into foreclosure. Due to the amount of time it took to secure our XXXX, as XXXX required letters from XXXX XXXX and other documentation, the amount we owed kept changing, making it more difficult to catch up. Finally, in XXXXXXXX XXXX XXXX XXXX XXXXXXXX, a XXXX XXXX finally mentioned loan modification, which we qualified for. The {$9000.00} was applied to the next 4 months of mortgage payments, ensuring we are caught up until XX/XX/XXXX. However, XXXX XXXX continues to report us as being late. We were told via phone that they would dispute the last 3 ( now 4 ) months of missed payments. Our credit score is in the XXXX, and it's very frustrating. In our opinion, XXXX XXXX is a terrible mortgage company. They are not transparent or truthful. We filed a dispute with XXXX on XX/XX/XXXX, but nothing has been updated on our credit report. Yesterday, XXXX stated that our dispute was closed on XX/XX/XXXX.
Product: Checking or savings account

I accidentally submitted bill payments with another institution that used my account at Bank of America. The transactions all occurred on XX/XX/XXXX : {$110.00} {$70.00} {$47.00} Unfortunately there were not funds in the account to cover those transactions, due to transitioning to a single bank account at XXXX. Instead of stopping those transactions, Bank of America allowed them to post to the account and proceeded to charge three {$35.00} overdraft fees. <P/>I contacted Bank of America on XX/XX/XXXX to dispute the overdraft fees, but they refused to be of any assistance, meaning that I have lost {$100.00} due to them not managing transactions properly. <P/>Additionally, despite me having set up account alerts to notify me whenever there is an overdraft, I did not receive that alert until the day after the transactions were posted. Had I known that this occurred the day of, I could have transferred funds immediately to prevent any overdraft fees being charged.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX - XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my mortage for XX/XX/XXXX through Bank of America online banking portal on my computer. I received a phone call on XX/XX/XXXX for the first time from XXXX stating they had not received my XXXX mortgage. I spoke with a representative and stated the mortgage was paid on XX/XX/XXXX on online banking through Bank of America. I then pulled up my Bank of America and saw they sent my payment to XXXX XXXX, my husband 's car loan company. I explained that Bank of America made an error. The representative from XXXX called Bank of America and we had a 3 way phone conference call and Bank of America refused to acknowledge their error and couldn't get XXXX the money due to it had been sent to XXXX XXXX. I was unemployed at the time and did not have money in my savings or checking account neither did my husband to cover an immediate payment to XXXX. I then had to call XXXX XXXX XXXX with my husband, and had a discussion in which XXXX XXXX said they would have to mail back the check to my husband and it would take 7 to 10 business days. XXXX was also on this 3 way conference call. I was informed from XXXX due to the error there would be no late payments. I was also informed our credit report would not be contacted for late payment. I was informed due to the XXXX and XXXX XXXX holiday, XXXX XXXX couldn't guarantee the check would be to us before XX/XX/XXXX. The check arrived on XX/XX/XXXX and XXXX was paid on XX/XX/XXXX after the check had cleared. I also paid our XX/XX/XXXX mortgage payment before XX/XX/XXXX. On XX/XX/XXXX even though all of this information was made a record of on my account I began receiving harassing phone calls from XXXX about my XX/XX/XXXX mortgage payment and received them the next month on XX/XX/XXXX. Also, our credit report was lowered because XXXX reported that our mortgage payment was over 30 days late even though I have never been late on a mortgage payment and XXXX had a record of what happened to our XX/XX/XXXX mortgage. I had a dispute with XXXX and called XXXX who will not take down this late payment stating that legally XXXX had to report this late payment and that the only way XXXX will correct the dispute is if Bank of America sends them something in writing stating their mistake. Bank of America won't acknowledge the mistake since it was done on their website. This incident is one of many problems I have had with XXXX where one time I paid our escrow off at the end of the year otherwise our mortgage payment would have gone significantly higher due to our escrow being short for the next year. I put a payment coupon and put the check stated this was for correction of escrow and XXXX applied this payment to our mortgage instead of the escrow. It took my 4 phone calls each lasting an hour and a half to straighten out their mistake. Also, I have up until the XXXX of the month before my mortgage is late but if you pay after the XXXX of the month XXXX calls your payment a remittance payment. This payment is not a remittance payment since legally I have until the XXXX of the month grace period to pay my mortgage without a penalty.
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained a recent copy of my credit report and identified unauthorized inquiries that were initiated by someone other than me. They are the following : EXPERIAN 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 or prepaid card

Hello, I was charged XXXX transactions on my Wells Fargo XXXX credit card. 

My card initially had a expiration date on XX/XX/2022 where the company sent me the new card but I did not receive it. I did receive a text message for the fraud charges where I immediately called Wells Fargo to send me a new card. 

The XXXX transactions occurred in XX/XX/2022 but the new card states the transactions happened on XX/XX/2022 : XX/XX/2022 - XXXX {$100.00} XX/XX/2022 - XXXX XXXX {$91.00} XX/XX/2022 - XXXX XXXX {$38.00} XX/XX/2022 - XXXX  's {$21.00} I have called the fraud/claims department at Wells Fargo but they stated that the purchases were valid. 

Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to Equifax 's webpage that they say is supposed to let you look up whether or not I was affected by the recent data breach. I entered the information that they requested to look me up ( last name and last five digits of SSN ).
It did not tell me whether or not I was affected. It did, however, seem to indicate that I was now signed up for some credit monitoring service that they 're pushing. Poking around on the internet, I have seen people saying that signing up for that means that you waive some of your rights, for example to sue them.
I did not sign up for that. I went to their page which said something like " Enter your name and last five digits of your social security number to check whether or not you 're affected. '' I noticed nothing on that page which said " Enter your name and last five digits of your social security number to sign up for some credit monitoring service and oh by the way to waive your rights to sue us. '' I do not consent to waiving any of my rights with respect to this.
I then called up their hotline number which they said was specifically set up to handle this data breach, so that I could ask whether or not I was affected, and also to say I do n't want this credit monitoring nor do I consent to waiving my rights. It was utterly useless. The lady could not tell me whether or not I was affected. All she could tell me was that I should go to their website and enter my information to check whether or not I was affected. The same website that I DID go to, and where I DID enter my information, and which DID NOT tell me whether or not I was affected.
At one point, I asked her why she could n't tell me whether or not I was affected. She responded that they were " a third party '', and that she had already given me all the information that she had.
That prompted me to ask her who she was, if she was a third party. I was told " Equifax Incident Response Line '', or some such. I then told her I assumed that I was one of the other two parties, and asked her who the second party was. " I 'm sorry, I do n't know '', she told me. To make sure that I was understanding, I explicitly asked her : " You 're telling me that the reason why you do n't know whether or not I was affected is because you 're a third party, but you 're only aware of two parties? '' " Yes, '' she replied.
At that point I gave up on the phone call, as it was useless and frustrating.
Product: Mortgage

The Mortgage company Paramount Residentioal Mortgage Group, Loan # XXXX is charging me for gap coverage even though I showed documentation of payment of my insurance four days before it was due. 

From what I was told by my insurance Company, XXXX, they did not receive the check until the XXXX, 3 days after the due date and returned my check. This was an unusual 7 day delay, which was unbeknownst to me until a few days later. 

My insurance agent had to rewrite the policy and I repaid, renewing the coverage, ( acct # XXXX ) as of XXXX XXXX.causing the gap. 

I filed a complaint with the mortgage company through email, which was not accepted and then through their website as requested. the website was unable to upload documents and instructed to fax. I faxed the documents on a weekday around noon, but after many busy signals, they just did not answer the fax and my issue has been ignored.
Product: Credit card

I am physically unable to login to the American Express account that has an alleged balance due from my bills. Conveniently, that is also my access to the supporting documentation I would take to an attorney since they provided me a non-answer regarding my earlier complaint. 

For the past XXXX days, again conveniently during them actually deciding to investigate the CFPB complaint since I've been talking about it at the end of XXXX, I am now unable to reset my password and get into the account. 

Again, please see another attached screenshot. Though they conveniently want this to go away, I have no ability to actually pay of the alleged debt even if I wanted to.
Product: Mortgage

My current mortgage loan is with Nationstar. I am constantly getting calls for my payment on the first week of the beginning of the month. I legally have until the XXXX of each month to pay it. They leave messages on my answering machine and feel like I 'm being harassed. I have never been late on my mortgage and feel like this is unnecessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the SECOND complaint about the same issue because the Experian failed to address the issue in complaint # XXXX. The company 's online freeze alert does NOT work, though I have tried many times to do so. Since I was affected by the XXXX breach, it is critical that my security freeze is applied at all three credit bureaus. Instead of addressing why Experian 's online security freeze does not work, they answered my first complaint with a general description of the XXXX breach, and what the options for security are. They NEVER answered my complaint about why they will not freeze my credit as requested.
Product: Student loan

I believe Navient is over charging me on interest. I pay the required amount each month and by the following month my principle is almost the same as it was when i paid it the previous month because of all the interest accrueing!
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX   XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX, Company Inquiries : 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: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX Credit Bureau is reporting inaccurate information on PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2000.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Checking or savings account

I made a deposit to the ATM for Chase Bank in XXXX, WA on XX/XX/XXXX, after XXXX. I deposited XXXX checks, XXXX for {$150.00} and XXXX for {$2.00} XXXX. The check for {$150.00} was processed and deposited correctly, but the check for {$2100.00} was not. The first was an expense reimbursement check from my previous employer, the second was my final paycheck. The first check has an image available for review online while the second check has an error message and can not be viewed as of XXXX XX/XX/XXXX. 

I received an internal account message Saturday ( XX/XX/XXXX ) morning telling me there was an issue with the deposit due to empty signature fields. Today, XX/XX/XXXX, I discovered the check for {$2100.00} was rejected altogether and the funds were removed from my account. I immediately called the bank and spoke to a customer service representative who alluded to there being an issue with the ATM and not with the check itself. They informed me I could wait 7-10 business days for an alternative replacement check for deposit at Chase, or to have the original issuer cancel payment and reissue a new check. I then went to the bank branch in XXXX, WA, to speak with a manager who informed me of the same XXXX options and said those were my only courses of action. I left to visit my previous employer in XXXX, WA, to have them cancel payment ( which they did ) and will reissue me a new check as soon as Thursday XX/XX/XXXX or next week, XX/XX/XXXX. I spoke with a customer representative again after I got home to make sure these were my options and requested to see the photo of the check. I also asked at the bank branch and in the first phone call to receive a photo of the missing check image and have not received one, though they informed me they have it and confirmed that it was an error with the ATM to begin with. 

I can not stress enough that this is my final paycheck and I will not be paid again for nearly a month. I was expecting this check and relying on it until I get paid again to make my rent payment, buy groceries, and live my life. Until then I can not afford to make any choices and can not effectively transition into my new job. I am currently panicking and anxious as this could cause me grave consequences if I do not get my final paycheck.
Product: Mortgage

This what I believe to be true and correct. I was out of the country from  XXXX   XXXX ,    2017  to  XXXX   XXXX ,  2017 . When I returned the only documentation I received from my mortgage company dated  XXXX   XXXX ,  2017 , requesting documentation of the income and assets of  XXXX   XXXX  because he was not on the original loan. I mailed this documentation back on  XXXX   XXXX ,  2017 . I also received a later dated  XXXX   XXXX ,  2017 , and  XXXX   XXXX ,  2017 , stating that they received the complaint that was filed on my behalf. I have learned that my property was sold on  XXXX   XXXX ,  2017 , while I still have not received a denial letter from my mortgage company, meaning I thought my paperwork was under review. I have since received a letter from my mortgage company, dated  XXXX   XXXX ,  2017 , reflecting that notification regarding your upcoming payment change per my modification agreement.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of XXXX XXXX. Like a XXXX in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a XXXX XXXX. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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 and so on.
Product: Debt collection

I sent the collection agency TransWorld Systems a certified dispute letter regarding this debt around XX/XX/XXXX asking for full verification of debt & a copy of the original application or contract regarding this debt which I don't owe. This debt was just placed on my credit reports around XX/XX/XXXX without any notification. The debt is for {$300.00} for XXXX XXXX. TransWorld Systems received the certified letter on XX/XX/XXXX at XXXX that I sent them which I have 30 days to receive this info. I also called TransWorld Systems regarding this debt & I spoke to XXXX different reps & neither rep could pull up my account or name in their system. Both reps told me they were unable to pull my account number or name in the system & disconnected the call. TransWorld Systems placed this account on my credit reports which they are now unable to find my account in their system is a HUGE RED FLAG to me. TransWorld System never notified me at all regarding this debt they just placed in on my credit reports. I told TransWorld Systems it's against the FDCPA to just place an account on my credit reports without being notified first. I told the reps at TransWorld System this account needs to be removed from credit reports if I don't receive full verification & a copy of the application or the contract. I would like for this account to be removed from credit reports since they are in violation of the FDCPA.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I am NOT responsible for these fraudulent accounts and inquiries. Someone stole my identity and generated fraudulent accounts and inquiries in my name. These accounts and inquiries are fraudulent, damaging my credit score, and should not be furnished on my consumer report as they are in VIOLATION!!!

Under 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) by the WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the unauthorized accounts and inquiries listed IMMEDIATELY!

15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate 15 USC 1681 ( a ) ( 2 ), any consumer reporting agency may furnish a consumer report and no other : By the written instructions of the consumer to whom it relates.

15 U.S.C 1666b ( a ) A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

I request your company to provide verifiable documentary proof ( original consumer contract or similar proof bearing my wet ink signature on it ) that you have on file of accounts/inquiries/information listed below. Under the FCRA, you must remove all unverified, invalid, derogatory accounts/inquiries/information from my consumer report if you do not provide documented and verifiable proof. 

The consumer report that was prepared under my social security number by XXXX is reporting inaccurate information, which is a violation of The Fair Credit Reporting Act. 

Ive listed the following inaccurate information below from my Equifax Consumer Report that must be removed.
Product: Credit reporting or other personal consumer reports

After reviewing a copy of my personal credit report, I have come across a few inconsistencies. I understand that mistakes may happen, but these types of mistakes are severely damaging to my chances of owning a home. I have researched the dispute process and I am aware that you must complete your investigation within a thirty-day time frame. 
Below are the errors I have identified : 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 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  - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.
Product: Checking or savings account

On XX/XX/XXXXI recieved a text from Regions Bank there was a suspected transaction on my account. I immediately replied NO I didn't authorize the XXXX transactions for {$500.00}, {$500.00} and {$.00}. I immediately called the bank and the rep told me it should fall off my account in a matter of days. XXXX,XX/XX/XXXX, I looked at my regions account and the transaction went through! I immediately called the bank again and was told sorry nothing we can do but dispute the transaction. I can't believe this, I'm out {$1000.00}, it's gone and I've heard nothing from Regions internal investigation. How can this happen?