23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Hello, My complaint is in regards to scare tactics from a loan officer at Evesham Mortgage ( XXXX XXXX ). I recently closed on my XXXX XXXX Homestyle loan on XX/XX/2018. The day my wife and I closed, we were informed by the title agency that it was sold to XXXX XXXX XXXX. Since the construction has been completed XX/XX/XXXX and my first payment was made XX/XX/XXXX, I decided to refinance to a lower rate. My current rate on my Homestyle loan was a 5.25 % and I was offered a 4.75 % from another company. On XXXX, the original loan officer from Evesham Mortgage, XXXX XXXX, called me stating that XXXX XXXX  called them saying I requested a payoff statement, and to do him a favor and hold off with my refinance because the new mortgage company ( XXXX XXXX  ) was coming to them for money because they have not recouped their cost from buying the loan from Evesham Mortgage. XXXX went on to tell me that he had previously told me I was not allowed not refinance for 6 months ( 6 payments ) after I had originally closed which was not the case. He then went on to tell me that my refinance would not go through anyway because of this 6 month timeframe, and because the final draw on my construction escrow account has not been paid out ( which it should have been completed but his HUD Consultant lost paperwork back on XX/XX/XXXX when the final inspection was completed ). As far as Im aware, and according to XXXX XXXX guidelines, if there is a benefit to the consumer you can refinance after one payment with a XXXX XXXX loan by doing a Rate and Term Refinance. I do not appreciate a mortgage professional calling me to do him a favor and stop my refinance because it would cost his company money, and attempting to apply scare tactics on me. It deeply saddens me that he is allowed to call me and try to persuade me to not do a refinance that will ultimately save me, the consumer, money by applying scare tactics. It also makes me upset that he and his company are allowed to sell loans without having the consumers best interest in mind, and making attempts to scare them from doing something that will benefit them. I have also heard that a reason why he is so concerned about my new refinance was because his commission was in jeopardy if I refinance before the six month period. Mind you my loan is no longer with his company anymore. Which is why this is even more concerning, because how many times has this happened to others that have done business with this company. I do not want to be harassed by this lender and loan officer which is what seems to have begun.
Product: Credit reporting or other personal consumer reports

My information was exposed due to a mass data breach. My credit is in shambles.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several dispute letters about an unverified account on my credit report. I have asked for verification for this account to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries are causing a negative impact on my credit score, and I request that they be removed from my credit report immediately. I have reviewed my credit report and found that these hard inquiries were made without my consent or knowledge. ; 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 I have not applied for any new credit or loans recently. Under the Fair Credit Reporting Act, I have the right to dispute any inaccurate or unauthorized information on my credit report. I am requesting that you investigate these hard inquiries and remove them from my credit report if they are found to be inaccurate or unauthorized.
Product: Checking or savings account

XXXX*Complaint Summary : ** I am writing to file a formal complaint against Wells Fargo regarding the **unfair service fee** charged to my account due to **not meeting the required XXXX XXXX monthly direct deposit** minimum, even though my **direct deposit** occurred just outside the cutoff time.

Despite making every effort to meet the requirements, my **direct deposit** arrived **slightly after** the banks cutoff. I requested a fee reversal from Wells Fargo, as they have **previously reversed similar fees** for me in the past. However, my request was denied, and I was informed that they would not reverse the fee this time. 

This policy is **disproportionately impacting** individuals who live paycheck to paycheck, as it penalizes customers for very small timing discrepancies that are outside their control. I find this especially troubling, given the ongoing financial struggles many customers face, including myself. 

I have been a **loyal customer of Wells Fargo** for 20 years and I am frustrated that the bank continues to charge excessive fees despite my attempts to meet the requirements. As a XXXXXXXX XXXX mom and domestic abuse survivor struggling financially, I feel this practice is predatory and takes advantage of vulnerable customers. 

I am requesting that Wells Fargo **reverses the service fee** applied to my account, as I made the deposit in good faith and did not violate the spirit of the policy. Additionally, I would appreciate more **flexibility in future cases**, as this timing discrepancy was minimal and does not warrant the penalty. 

**Steps Taken : ** - I contacted Wells Fargo customer service on XXXX and requested a fee reversal. 
- The request was denied despite **previous reversals** granted for similar situations. 

I would appreciate your assistance in resolving this matter and look forward to a response. 

**Sincerely, ** XXXX XXXX XXXX XXXX fee XXXX Phone number XXXX XXXX Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested many times to have the following unknown addresses and employer Deleted from my Credit Report. The addresses are coming back verified because they are addresses belonging to my relatives that the creditors have sent documents to without my permission. 
XXXX XXXX Transunion - XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX - XXXX XXXX XXXXXXXX XXXX  XXXX XXXX CA XXXX XXXX XXXX XXXX - Employer : XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/year> Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment delay due to postal service issues : In XX/XX/year>, I mailed my payment well in advance, but due to delays with the postal service, the payment arrived late. This delay was beyond my control, and the payment should not have been marked as late, as I acted in good faith to ensure timely payment. 
Payment made within the 15-day grace period : Despite the postal delay, my payment for XX/XX/year> was received and processed within XXXX 's 15-day grace period. As such, this account should not have been reported as 30 days late. 
Evidence provided : I have attached bank statements and payment confirmations showing that I sent the payment well before the due date and that it was processed within the grace period once received. This evidence clearly demonstrates that the reported late payment is inaccurate. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

Unauthorized hard inquiries on credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft my passport was stolen etc my wallets has been stolen before I have several accounts that are charged off in Chex system which is affecting me from opening any bank account I have requested my report and have informed Chex system that it was fraud however they told me after the investigation that it was an account I opened etc
Product: Vehicle loan or lease

My car was purchased the week of XX/XX/XXXX from my daughter. I don't have dates but there are so many, at least 2-3 times per week starting in XXXX that I have call Ally Financial asking about the lien release and my refund coming to me. They would transfer me and I'd end up in the same department. Finally on XX/XX/XXXX I sent a complaint to the XXXX. At which time I did receive a phone call a few days later. The rep commented ... well this is cut and dry. All you need is the lien release and your refund. I said correct. She said she waiting to hear back from the departments that handle these and I should see both very soon. It's been a month later. I did file another complaint with the XXXX  but they are considering it a duplicate. It's been 3 mo. We want to transfer the title to my daughter 's name ... the bank is waiting for it ... but can't without the lien release. I refuse to call AGAIN. I just want my refund and lien release. I don't understand the issue. COVID?? Yes at the beginning but not this is a little bit beyond that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with XXXX in 2009 and I canceled early. They sent me to collections in the same year. I was going through a divorce and they sent it to a company called XXXX XXXX XXXX. They keep changing the dates on my report to reage the account. I have requested this be fixed multiple times and they ignore my requests.
Product: Credit card or prepaid card

I have always made timely payments on this account, and it is deeply unjust that I am now facing consequences for something that is beyond my control.
Product: Debt collection

I was in a car accident XX/XX/XXXX and was treated at XXXX XXXX XXXX hospital in XXXX, TN. One of the providers was XXXX XXXX XXXX XXXX, who billed the incorrect insurance for their services. I received a billing statement dated XX/XX/XXXX stating that I owed {$43.00} and I immediately noticed that the insurance company showing as primary was incorrect. 

I contacted XXXX XXXX XX/XX/XXXX and spoke with XXXX who stated she would rebill the correct primary insurance and remove the incorrect one. I checked back with her on XX/XX/XXXX as I had now received a {$43.00} bill from XXXX XXXX XXXX. She told me she would remove me from collections and resubmit again for payment with XXXX XXXX. I updated my address with her and XXXX told me to check back in 30 days. 

I called back on XX/XX/XXXX and spoke with XXXX who stated that the claim had been denied. I proceeded to call XXXX XXXX that same morning and spoke with an agent named XXXX who told me that there was no claim ever filed on XX/XX/XXXX for {$210.00}, which was the amount that XXXX stated. I, once again, called back XXXX XXXX and spoke with a supervisor ( XXXX ) and asked her to remove me from collections, provide proof and I would pay the {$43.00} upon proof. She told me the process would take about 3 weeks. 

Today, XX/XX/XXXX, I called and asked for XXXX, who was not available, and spoke with another supervisor ( XXXX ), who was extremely rude. She stated that the collection agency would NOT recall the collection and that the claim had been denied. She gave me a claim # XXXX and told me to contact XXXX XXXX again. 

I spoke with a wonderful rep at XXXX XXXX, XXXX, who helped me through the many calls that followed this morning. She stated that the claim number given to me by the supervisor at XXXX XXXX was not one of XXXX XXXX claim numbers. We conferenced in XXXX and XXXX advised her that the claim # was not valid. She referred us to the person who denied the claim from the local XXXX XXXX office ( XXXX XXXX - XXXX ). We called that number and it was a wrong #. 

XXXX from XXXX XXXX then got in touch with someone from the local TN XXXX XXXX office that gave her a phone number for the " Plan to Plan '' office, however, I could not be a part of the call, so I had to be on hold. 

XXXX was advised that all the claims that XXXX XXXX sent were to the incorrect insurance carrier ( XXXX ) which I repeatedly told them was incorrect. 

XXXX will be calling me back on or around XX/XX/XXXX to advise me if the claim has been sent to her office for processing. 

I want XXXX XXXX held responsible for the numerous times that they dropped the ball here, resulting in the account sent to collections.
Product: Credit reporting or other personal consumer reports

i request a security freeze thru LexisNexis to suppress my personal info in which i received confirmation of the request, however the reporting agencies ex : XXXX, XXXX XXXX XXXX all stated that the information their reporting is coming from LexisNexis in which shows inaccurate on all 3credit bureaus.please have them stop reporting inaccurate information
Product: Credit reporting, credit repair services, or other personal consumer reports

On m y TranUnion c redit file  XXXX  my  XXXX   XXXX   XXXX   XXXX   XXXX    a ccount with an approximate balance of {$68000.00} indicates a derogatory " Chapter  XXXX  Dismissed '' under remarks. However, I have no  Chapter   XXXX  bankruptcy, nor is it listed in the TransUnion  Public Records on  my credit file. I have been denied credit twice in the last 30 days for this erro r. One is fo r a new mortgage, and the other was for a credit card.     I called the TransUnion dispute phone number, and disputed the information error on  XXXX   XXXX ,   XXXX  . I received no email or regular email notification that the investigation was complete or that it had even been conducted. When I called the TransUnion dispute line this morning to check on the status of the dispute, I was told there was no open dispute, and that I would need to submit paperwork showing that I have no bankruptcy. This is impossible since I ca n't submit paperwork to show that something that does n't exist does not exist.     I have a perfect payment record with my  XXXX     XXXX   and need the incorrect information removed asap as it is causing me harm in delaying me purchasing a new home.
Product: Checking or savings account

Citigroup Inc. offers a {$400.00} promotion if you deposit {$15000.00} into a new checking account. I completed this action online back in XX/XX/2018. Per their promotional material, I maintained the {$15000.00} balance for 60 days ( completed by XX/XX/2018 ). The language in the promotion is misleading and seems to suggest that you will receive your {$400.00} deposit after the 60 days. Unfortunately, there is a completely separate sentence that states that the bonus will be credited within 90 days after the conditions of the promo have been met. Essentially, this means you are tying up {$15000.00} for 5 months before you will receive your {$400.00}. The frustrating part is that I have now contacted their customer service over 8 times ( saving the transcripts each time ) and they have yet to deposit the {$400.00}, even though I am well past 150 days of maintaining {$15000.00} in this new checking account. They say their promotions department is backed up. I told them that after 6 months, other investment options may have delivered a better return. They do not seem to care to solve the issue and I will likely withdraw my cash and close the account due to what I consider to be false advertising. I followed the promotional requirements to the letter, so there is no reason for them to withhold the {$400.00} at this point. Other banks with similar promotions have paid promptly in my experience ; it's a shame that Citi does not perform similar to other banks.
Product: Debt collection

I purchased a used car from DriveTime/XXXX in XX/XX/XXXX. I was encouraged to purchase extended warranties to the tune of $ XXXX. In XX/XX/XXXX I learned that the vehicle was losing coolant. I would add coolant and continue to do maintenance with oil changes until XX/XX/XXXX when I took the vehicle to the dealership and learned that the engine needed to be replaced. I notified DriveTime and I was given 800 # s for customer service but did not gain information as to how to get help. So, I had to rent cars so that I could get to and from work, causing me another hardship as rental cars were not in my original budget. I continued to try and pay the note on the car along with my other bills. When I was laid off at the end of XX/XX/XXXX, I began to re-contact DriveTime/XXXX and was told to take the car to their mechanics at XXXX XXXX in XX/XX/XXXX. Initially I was told that they would replace the engine and then they changed their mind. I asked to know who the adjuster was and how to contact that person and was not given any information. I recently spoke to an attorney about my contract and was informed that I would have to go thru an Arbitrator before I could take them to court. I can't afford to pay an Arbitrator an hourly fee, pay my original bills and fulfill a contract of {$30000.00} over 5 years and 8 months on a car that is worth less than $ XXXX. I went to this car dealership trusting them to stand behind the products that they sold me. Now they do not want to honor their XXXX 5 yr, 50,000 mile warranty that should protect this cars engine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 asked ask Carvant financial to validate the debt which they were not able to in XX/XX/2021. I asked them to send over the contract in XX/XX/2021 which has so many violations. I sent in my affidavit XX/XX/2021 and still have not received a response.
Product: Debt collection

I responded to a promotional offer from XXXX and opened a XXXX cellular account on XX/XX/XXXX, which represented four lines and two new phones purchased from XXXX. The sales representative assured me that I had a 14-day free trial period within which I could cancel service, return the two phones, and owe nothing. 

The service proved unsatisfactory so I cancelled my account on XX/XX/XXXX and returned the phones to XXXX, within the 14-day trial period. XXXX emailed a cancellation confirmation, copy enclosed. 

Four days later on XX/XX/XXXX, XXXX emailed the enclosed bill for {$2200.00}. One month later on XX/XX/XXXX, XXXX emailed the enclosed bill for {$310.00}, followed by a paper copy. Obviously, neither the first nor the second bill was correct nor justified under the terms of the free trial. Upon cancellation of my account, XXXX blocked access to my account so billing details were unavailable to me. Billing details were evidently unavailable to XXXX representatives as well since multiple phone calls to XXXX representatives were unsuccessful in providing details of the charges. 

I mailed XXXX the enclosed letter, dated XX/XX/XXXX, which detailed the facts surrounding the disputed charges, and never received a response. I mailed XXXX a second letter dated XX/XX/XXXX ( copy enclosed ) and never received a response to this letter as well. 

In XX/XX/XXXX, I received a collection notice from XXXX XXXX XXXX regarding the {$310.00}. I mailed the enclosed letter, dated XX/XX/XXXX, and received no response. 

In XX/XX/XXXX, I received a collection notice from XXXX XXXX, mailed them the enclosed letter dated XX/XX/XXXX, and never received a response. 

Finally, after recently viewing my credit report, I saw that a third collection agency, Southwest Credit Systems, has been retained by XXXX. I phoned them XX/XX/XXXX and was told to provide them with copies of my previous correspondence so they could contact XXXX for further instructions ( copy of my letter enclosed ). 

Given XXXX 's continued abysmal performance in this matter, I will not be surprised if nothing comes of Southwest 's request.
Product: Debt collection

I bacame a member of XXXX XXXX in XXXX, TX because It was closer to me than my regular gym. I had to memberships because of this issue. I had one with " XXXX XXXX '' and one with the XXXX XXXX. When I was becoming a member with XXXX XXXX  I asked the Customer Service gentleman that was helping me that If I decided to move and wanted to cancel if this would be an issue. He said no, you can just come to the front and cancel. Well I believed what he said and of course signed all the paper work believing in what he was telling me that I was signing. When the time came for me to cancel, I did just as he told me, I went to the front desk and told them I wanted to cancel my membership because I have moved and I would be no longer coming to their gym. They said to me that is not the way they accept cancelations. The front desk attendant handed me a piece of paper with the instructions on how to cancel. I went ahead and called the company complaining to them that was not the way the gentleman told me I could cancel. They gave me the run around, I told them they can check I have not visited their gym. They continued to take out the membership dues from my bank account for a year. I went ahead after e-mails and calls to the post office with the letter they said I had to write why I did not wanted to be a member. I did and I got the certified mail as they instructed. Also called and finally I got a cancelation number from them. Then it was very disturbing receiving a letter in XXXX of this year telling me that I was referred to a bill collector agency by the name of " First Credit Services , Inc. '' to collect a debt of {$54.00}. The membership is {$10.00} per month, which the company should reimburse me for all the months that they robbed me. Still they are trying to get more money. My credit card was lost and I had to get a new one. Know they did not have any credit card number and so they decided to do this. I reported them to the XXXX and it was supposed to be taken care of, but it wasn't oviously taken care of. I would like for this business to leave me alone. I would love my money back, but I know for sure this will never happen. But at least to leave me alone with this collection agency. This is rediculous.