23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Borrower was placed on Social Security XXXX ( XXXX ) since XXXX following being a XXXX XXXX at the XXXX XXXX XXXX. 

Mortgage company XXXX XXXX  and it's Servicers XXXX XXXX, PHH, Ocwen Loan Servicing , Inc. have continually manipulated terms of loan/mortgage without the knowledge of borrower. 

Mortgage Company began refunding on-time mortgage payments made during Covid-19 causing an increasing arrears on account in furtherance of borrowers financial hardship. 

Mortgage generated in XXXX for {$120000.00} and principal balance has ballooned and currently sits at approximately {$210000.00}. 

Attempted modification x2 making required trial monthly payments x3 whereby mortgage company failed to provide final modification contract for endorsement. 

XX/XX/XXXX Federal assistance provided approximately {$50000.00} paid directly to lender to assist bringing account current. Due to lender predatory accounting practices debitor remained in arrears with a mere fraction of these monies applied to Principal balance. 

Refusing to address and rectify blatant accounting errors negatively effecting account balance/arrears lender notified borrower of their intent to foreclose in XX/XX/XXXX while refusing to respond to any efforts or attempts of borrower to resolve outstanding arrears. 

Monthly payment {$1400.00} -Borrower received XX/XX/XXXX Total Due bill of {$29000.00} with the subsequent month ( XX/XX/XXXX ) demand for Total Due of {$35000.00} which is ridiculous and categorically impossible to eclypse via savings and pay receiving a mere XXXX payment of $ XXXX/monthly. 

Assigned Loan Service entities XXXX XXXX and PHH have continually failed to accept and/or return our calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fifth Third Bank pulled my credit three times in a 20 day window for a secured credit card, because of their own mistakes. Per Regulation B also known as the Fair Credit Reporting Act, I believe that since the additional pulls were due to their own incompetentce, they could have reused the first pull. Instead, as a young consumer my credit score has been affected due to a high number of hard inquiries ( 3 our of my 4 hard inquiries are due to their incompetentce ).
Product: Checking or savings account

I have an account with Wells Fargo Bank, On XX/XX/XXXX, I had some issues entering on my bank account, when I was able to access my account I noticed someone had made some transactions that were fraudulent. I immediately contacted my bank, due they took money from my savings account to my checking and processed with the transactions. 
Im missing an amount of {$6000.00} Monday XXXX and Tuesday XXXX called for updates there were none. 

Called Tuesday XX/XX/XXXX ( Today ) Customer service from claims department told me they had sent it to investigation department and they are unable to help. 
I also told him I even changed my password and have been scared of using my account again. 


Writing this letter to find more help. Really hope to hear back from yall. Thank you!
Product: Debt collection

A company called Shepherd Outsourcing is claiming I owe money and texts me repeatedly about it. They may be calling as well, but I have unknown numbers silenced. My credit report shows no debts in collections and my only debt is a low balance on my credit card that I pay off monthly. Here is the text ( I changed a letter in the link in case its a phishing attempt so that people dont click it ) : If your XXXX XXXX XXXX XXXX account is returned to our client we may not be able to renew these offers. Save up to {$710.00} in up to XXXX  payments when you visit XXXX XXXX XXXX  or call XXXX. This text is from Shepherd Outsourcing, a debt collector The law limits how long you can be sued on a debt. Because of the age of your debt, XXXX XXXX XXXX XXXX will not sue you for it. If you do not pay the debt, XXXX XXXX XXXX XXXX XXXX [ continue to ] report it to the credit reporting agencies as unpaid for as long as the law permits this reporting. Reply stop to opt-out
Product: Credit reporting or other personal consumer reports

This is a request for my personal information to be updated with XXXX, XXXX and TransUnion. I made this request on XX/XX/scrub> 2024. The information has not been corrected, nor have they responded to my request.
Product: Checking or savings account

Recently I was going through my past paperwork to shred and I found 2 packets of Ally Bank. One had Welcome to Ally Bank with 18 Savings Account details and other with Customer Statement with 28 accounts in it. I had never opened any accounts with Ally, but it seems Ally got my information from somewhere and had opened these accounts in my name. 
If someone could help me close these fraudulent accounts, then it would be a big help. 
Thanks, XXXX XXXX XXXX XXXX
Product: Mortgage

In XXXX of XXXX, my husband and I purchased a newly constructed home XXXX XXXX in the XXXX XXXX area of XXXX California. Our mortgage payment at the time of purchase, with the principle, interest and estimated taxes was XXXX. We have a VA loan of 30 year fixed. 
On or around XX/XX/XXXX, my husband and I refinanced our home with our current mortgage company, to an interest rate of 3.25 % ( previously at 4.875 % ). 
The new payment was sent to us at XXXX, of which we have been paying on time, every month since XXXX of XXXX. 
I received a statement that our escrow account was at a shortage and we would now be required to pay XXXX for 12 months, until the shortage is made up and then the payment would be XXXX moving forward. I called them and they explained the refinance dept used the taxes from when there was no property built on the land and now it has been reassessed. My problem is they made a huge error because our loan was sold to them, and the estimated taxes we were paying in that previous payment were correct, and the loan officer who re-financed us either was not paying attention or because he wanted us to refi with this current lender, provided the wrong information and included it in our loan. Also, my husband was told by one of the representatives at the current mortgage, that our taxes had been raised and that was the reason for the increase. I called the county assessors office and was told our taxes had only increased by XXXX dollars and that the mortgage company had made the error and was not willing to admit it. 

My husband and I XXXX XXXX XXXX XXXX  and in the current Covid 19 disaster, we are not getting the loads we once were getting and this almost XXXX dollar increase is going to be a hardship we may not be able to recover from and are in danger of losing our home. What are we suppose to do now. The mortgage company made the mistake not us, yet they want us to pay for it or lose our home.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit reports generated by Transunion, XXXX and XXXX on XX/XX/XXXX, display different information provided by the original claimed creditor, XXXX XXXX XXXX XXXX XXXX clearly suggest conflicting information of 1. Last activity and 2. Last payment date which is inaccurate. Therefore, this item must be deleted as per Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681x. The discrepancies appeared among credit bureaus are listed below. 
Name TransUnion XXXX XXXX Last activity XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - - Credit reports of the XXXX bureaus are enclosed. 
My consumer report is valuable to me. The willful non-compliance is a violation of section 1681n of the Fair Credit Reporting Act. Therefore, this item must be DELETED.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : 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  Account Name : DEPT OF ED XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the credit bureau AGAIN & AGAIN that I was the victim of identity theft. Per FCRA section 605b credit bureau are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance : {$19000.00} ; XXXX XX/XX/XXXX.
Product: Debt collection

Found out from case net that an attorney had started garnishment and was not notified. Filed exemption on XXXX, 2024, took copy to bank. On XX/XX/year>2024 I received a letter from the bank saying they had seen the exemption, had received certified mail for judgment ( Mo Rule 90.03 requires writ, summons and order to be delivered by sheriff ). I had a stay from the appeals court that I could not file because US Bank processed the garnishment prior to the proper service, and I was not sent the writ and summons. Then when the sheriff served the summons, they garnished my account again.
Product: Checking or savings account

On XX/XX/18, I attempted to make a mobile deposit in my checking account with XXXX. Because the amount exceeded the mobile deposit limit by {$340.00}, I called support and asked for an increase. They told me that they did not provide increases above the amount I had. They suggested I cash the check elsewhere. The mobile app gave instructions for deposit by mail. It listed two addresses, one was a PO BOX , and the other was for overnight delivery. I endorsed the check and mailed it out two-day priority mail to the overnight address. 

Using the tracking number, I discovered it was not delivered until Monday, rather than Friday as promised. On the app, the instructions for deposit by mail clearly state '' Once your check has been received, up to {$200.00} of your check deposit funds will generally be available within one business day. The remainder will generally be available after another business day. Check deposit amounts greater than {$5000.00} may be held for an extended period. '' So, I called on Tuesday, XX/XX/18, which was one business day after the date it was delivered since there was no indication that the check had been received. The agent I spoke with told me that she could not confirm receipt of the deposit, and she told me she could give me no time frame for how long it would take and that they would know it was deposited when it showed on my account. I asked could they not at least confirm it was received at the correct address. She told me that she could not. I asked what remedy I had and she assured me that it would be processed soon. 

I called today, XX/XX/18, a full two business days after they received it according to USPS, and the agent placed me on hold and told me that " in her experience, it can take three business days before it is processed or shown in the account. '' I asked could she not confirm it with the processing center that the check was received so I don't have to worry that it was delivered to the incorrect address. She told me that she " could not check with the processing center until 10 business days after the tracking number delivery date. '' So, I am going into XXXX without any access to my funds, and also without having any idea whether the check was received at the correct address. None of this information was available to me or I would not have deposited the check via mail. I expected to have access to part of the funds " one business day after received '' as their app stated. This is insane that they won't even check to make sure the check was received until 10 business days after delivery.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX XXXX over 2 months ago ( XX/XX/2019) asking to register for usage of online banking to pay my auto loan and was told I needed a pin to establish an account. I informed XXXX I would be leaving the country for 7 weeks and needed the pin ASAP. The XXXX rep suggested I enroll in auto payments so I did just incase. I never received the pin and left on XX/XX/19 and returned on XX/XX/2019. On XX/XX/19 I received an alert from Experian stating my account is 30 days passed due. I immediately called in and told them I was on automatic payments. They informed me that the last representative I spoke with in XX/XX/XXXX didn't enroll me in automatic payments. I made the payment I was behind and the next one just incase to make my account current. I requested that my late payment be taken off my credit and was informed by the XXXX rep I needed to submit It in writing.
Product: Credit reporting or other personal consumer reports

I am writing this letter to inform you of the fraudulent accounts on my report which are causing me stress and I want to dispute this fraudulent information. I informed the company about this matter, talked to them via phone call and they said they have already removed the accounts from the other bureaus after I submitted the required FTC report I filed. Also both XXXX and XXXX have removed the accounts from their records indicating an inconsistency in your reporting. Im not sure why are the accounts still reporting under your bureau? The presence of this fraudulent account negatively impacts my credit history and could have serious consequences for my financial future XXXX XXXX XXXX XXXX
Product: Bank account or service

Applied for a loan for a morgatge, found a false credit card under husbands name inhibiting us from acquiring a morgatge loan. Turned the false account into XXXX and Wells Fargo to be resolved, XXXX removed the account right away, no problem. Wells Fargo has been giving us the run around, been very rude and un-helpful. Has been several weeks and still is not resolved or removed. Wells Fargo can not find the account under my husbands name or social, but are still reporting it to the credit bureau. This is not only false information, but Wells Fargo ca n't provide documents proving my husbands connection to this account and I feel are refusing to help sort this situation out.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The following accounts are fraudulent. They were opened/used without my permission. I talked to the banks and they requested I file a report with the FTC and list what happened. I have no knowledge of the events. 

These accounts are reporting to my credit and I do not recognize them. Beyond these facts I do not have any other information. 


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: Debt collection

I have received several calls from a XXXX XXXX at Summit Receivables ( I had to research and find what company ). This person /company has told my employer, my children, my parents, my spouse everything about my debt including the fact that they were going to send someone after me. My employer now knows way too much about this and she is somewhat intimidated and frightened. This is so scary. They are bullying me and threatening me and that is not okay. They left a voicemail on my little boy 's phone with everything and he is now scared I will be arrested. This is illegal and outrageous. I may owe a debt but that is no reason to involve and bully so many people.
Product: Credit reporting, credit repair services, or other personal consumer reports

My consumer rights are being violated. I have fraudulent accounts appearing on my credit file that need to be removed immediately. Notice, it is a fact, I, the affiant is a consumer has the right to privacy pursuant to 15 U.S.Code 1681 ( a ) ( 4 ). Equifax, XXXX and XXXX has violated my right to privacy by furnishing private information about me without any lawful authority or my written consent. Notice, it is a fact, affiant is aware, all consumer reporting agencies, must follow reasonable procedures pursuant to 15 U.S.Code 1681 ( b ). The reasonable procedures listed in the affidavit herein were not followed and this a violation of 15 U.S.Code 1681 ( b ) .Notice, it is a fact, affiant is aware, transactions authorized by my credit card, and credit card is defined in both FCRA and has the same as the definition in TILA as any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Thus making my social security card a credit card. This account was authorized by my social security card, a credit card and therefore must be excluded from my consumer report. This reported information published on my consumer report for XXXX, account number XXXX and JPMCB account number XXXX is a violation of 15 U.S. Code 1681a ( 2 ) ( B ) and must be removed.Notice, it is a fact, affiant is aware a consumer reporting agency needs written instructions by I, the consumer, to furnish a consumer report. Without written instruction this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. By definition { Company Name } has committed identity theft. This is a violation of 15 U.S.Code 1681b ( a ) ( 2 ) and information associated with XXXX, account number XXXX and JPMCB account number XXXX must be removed.My consumer rights have been violated according to the FCRA and if these accounts are not removed immediately I will seek remedies for violations of my consumer rights. 1681n ( a ) ( 1 ) ( A ) - willful failure to comply with any requirement under the FCRA is damages up to {$1000.00}
Product: Credit card or prepaid card

I received our Chase credit card bill on XX/XX/XXXX and paid the bill by check XX/XX/XXXX ( along with several other bills that were mailed out that same day ). The due date for the Chase bill was XX/XX/XXXX, so I was well within the recommended window. I noticed on XX/XX/XXXX that the Chase check had not gone through, but all other checks/bills mailed XX/XX/XXXX went through. I called Chase and they said they would refund the late fee but not the interest of {$100.00}. They blamed the postal service and said it happens all of the time. I believe that Chase lost/held my check in order to charge interest, as all other checks sent that day made it to their destination on time, including my auto loan that is also paid to Chase. My bank is showing the check to Chase Credit as pending as of today, XX/XX/2022.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX paid {$2800.00} failed to provide as evidence after agreement of repairing credit after ID theft committed by XXXX employee, proof rejected based solely on race causing lost of credit limit and intentionally causing damage to credit. XXXX XXXX XXXX has never made any attempt to note an account of such an allegation which damaged the credit limit based on race. Payment plans were canceled after XXXX XXXX XXXX went back on agreement to help repair credit after a large payment was received by XXXX XXXX evidence on the credit card statement ( copy on hand ). Items purchased and charged to account, never received ignored a still charged for all transaction will be used in court due to interest on card from items, ignored by XXXX XXXX XXXX will be held responsible for such wrong doing. XXXX has closed complaints by lying about communications and addressing issues. A claim will be filed and a copy will be sent to all federal bureaus. XXXX XXXX XXXX along with XXXX XXXX has damaged credit with misleading information when in fact ID report denied based on race only. Proof of Att employees using information rejected by XXXX and XXXX credit reporting causing damage to credit. Experian has also been aware of such doing while reporting incorrect credit information on behalf of XXXX and XXXX XXXX. All companies are in violations of XXXX XXXX code XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows that there is an amount of {$3000.00} in collections from Titan Receivables original creditor XXXX XXXX XXXX on my credit report it states it was opened XX/XX/XXXX. That information is incorrect. On my credit report it doesn't show what the account or file number is. 

The account number I have is XXXX and that account was opened XX/XX/XXXX NOT XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX and i am filing a complaint against binance.us a subsidiary of BAM trading company inc. My acc number is XXXX, i reached out to the company on XX/XX/XXXX as i did not get credited my xlm deposit of XXXX. I was then instructed to upload my a pic of my transfer, the account number and a video stating who i was and what i was requesting .I got a response stating it would be credited asap on XX/XX/XXXX. It is now XX/XX/2017 emails later, several escalations and no resolution or any response on why. I then try on XX/XX/XXXX to withdraw my crypto into a wallet ( a value of XXXX ) and im unable to do so as it states its because or risk management, i did research and found that they do that and use the excuse that they feel the account was compromised, this is impossible as in order for anything to transpire in my account, my verified bank account needs to be involved along with a text message to my phone with a one time access code. Its an excuse. So not only are they holding XXXX of my funds hostage for no explained reason, they have not credited approximately XXXX dollars in coins to the account, its been almost a month and nothing but auto replies and canned responses.
Product: Checking or savings account

All of my accounts were hacked and drained USAA has not done anything to help me. I am a XXXX  XXXX XXXX XXXX and have had no one contact me regarding the status of what is going on. There have been no provisional funds issued and I have bills coming out. When I call- the recording says they cant speak to me and I can not get anyone on the phone. They have been grossly incompetent at every level!