23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

Wells Fargo established a savings account for me and my husband and told us there would be no monthly fees a XXXX DC branch ( at XXXX XXXX XXXX XXXX XXXX, XXXX DC XXXX ). That was 4 years ago. Despite that they began charging me a monthly fee. We complained and they reversed the fees and stopped charging us. That lasted a couple years ... but this fall they began charging us again. When I called Wells Fargo they said that we were given incorrect information and that all their accounts have fees. We were basically lied to repeatedly.
Product: Credit card or prepaid card

On my Bloomingdales AMEX card I was charged {$620.00} XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Bloomingdales AMEX card I was credited XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. 
This leaves one charge that is outstanding. 

For my Bloomingdale store account I was charged XX/XX/XXXX on my statement closing XX/XX/XXXX. 
I was also credited XX/XX/XXXX and XX/XX/XXXX The reason that it looks like there was an extra credit is because it was really my {$620.00} that I moved over from my AMEX card to my Bloomingdales store card for statement ending in XX/XX/XXXX. 

On XX/XX/XXXX Bloomingdales stated that my dispute on two charges were supposed to be credited to my account. They confirmed this with an official letter. 

Im not sure what all of these additional charges are for but I was supposed to be credited {$620.00} two times. It seems after all of the credits and charges Im still missing one credit of {$620.00}.
Product: Mortgage

I submitted a complaint prior to the practice o f Ditech and received nothing to say if a case was submitted. Ditech  has been conducting unfair collection practices on a loan that has never been in default. Until   XX/XX/XXXX   Ditech was receiving payments eve ry 14 d ays and not applying payments to principle or payments- they allege that the payment  sent ( whic h was {$500.00} every  14 days ) was a partial payment and that their policy is to hold partial payments until full payments are received to apply. They never did that. They were called every 2 w eeks from   XX/XX/XXXX  to  XX/XX/XXXX     when payments were not being applied correctly causing late fees to be assessed. After involving the IRS and   XXXX   XXXX   they reallocated the funds from the start of the loan. On  XX/XX/XXXX , I  spoke with a director and a representative from loan processing and told my loan was prepaid until   XX/XX/XXXX   However, when the re- allocation was done, it was done incorrectly causing the loan to go in default. This prompted a visit from a  Ditech  representative leaving notice on my door on   XX/XX/XXXX     and to receive to collection notices on the  XX/XX/XXXX   and  XX/XX/XXXX - I  urge you to refer to recent compliant filed on  XX/XX/XXXX   -  XXXX . As of recent, my mortgage insurance company contacted me to make me aware of c hanges made to my coverage. They sates and supplied that mortgagee now reflects Ditech Financial LLC, its affiliate, and or Assigns. An ainquiry was immediately sent to Ditech because in    XX/XX/XXXX     Ditech sent a privacy letter stating that my social security number could be shared  with any of their affiliates. I immediately served a cease and desist of disclosing any of my personal information only to   XXXX   XXXX   the owner of the loan and no one else.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MD XXXX ; XXXX XXXX  Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of recent CFPB LAWSUIT highlighting significant issues with the platform. Despite using Zelle Numerous times and reporting discrepancies, my financial institutions and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Mortgage

PHH escrow analysis is twice the amount of of taxes due for XX/XX/2024. PHH is not correcting the analysis. PHH has been sent a Notice of error to correct and has not.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$30000.00} XXXX  XXXX XXXX XXXX Balance Owed : {$4100.00} XXXX XXXX XXXX XXXX Balance Owed : {$4600.00} XXXX  XXXX XXXX Balance Owed XXXX {$100.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying for three months to get an erroneously reported incorrect payment removed from my credit reports to no avail. On XX/XX/XXXX, I submitted a complaint to the XXXX describing a payment incorrectly reported as late in XX/XX/XXXX by XXXX XXXX XXXX XXXX The company responded by letting me know that they had mailed letters to TransUnion, XXXX, and XXXX advising that the late payment was indeed reported in error. However, my most recent credit reports continue to show the erroneous late payment in XX/XX/XXXX, dispute raising disputes with each of the credit bureaus. Screenshots attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that on or about XX/XX/ I submitted a dispute.Asking How information was obtained in regards to a bankruptcy showing on my report. Trans Union sent a letter indicating that the US Bankruptcy Court Furnished information pertaining to the bankruptcy however I contacted the court and the court response was they do not report to any bureau or agency Im having a hard time understanding how this letter from Trans Union States a lie.Im Demanding this be Deleted off my Credit Report.This is in Reference of file XXXX
Product: Student loan

Representative calls every other day and harasses me for payments. I graduated 3 months ago and am still looking for employment. I decided to pay a forbearance payment to stop the calls only to have them call me 3 days later with the same script. I tell them I paid a forbearance. The representative tells me I am wrong while I am looking at my confirmation of forbearance. I tell her that I have the proof and I am looking at it. She says I am wrong and continues with the script. I tell her I do n't wish to speak with her so she puts me on hold and calls for a manager who proceeds to tell me that she did not lie to me. He acknowledges that I made a forbearance, tells me the representative said nothing wrong, and continues to ask me for a payment. Complete harassment and incompetence at the highest level.
Product: Credit reporting, credit repair services, or other personal consumer reports

The three major credit bureaus have not been providing me with results and it's been a whole year!! I have been disputing accounts with the bureaus for a year now and they have done absolutely nothing. I haven't received any letters and there is simply no way in a year they haven't received a single one of my letters. There are serious inaccurate items on my credit that need to be removed. I have received deletion letters and forwarded over to you and those accounts continue to report on my credit. You are supposed to respond within 30 days under the law!!! Remove these immediatley.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN REGARDS TO : NAVIENT XXXX XXXX XXXX XXXX, PA XXXX I HAVE DISPUTED WITH XXXX ABOUT THIS ACCOUNT SHOWING UP ON MY CREDIT REPORT AS IF IT IS MINES WHEN IT IS NOT. I HAVE NEVER DONE BUSINESS WITH THIS COMPANY. I AM A VICTIM OF IDENTITY THEFT AND FRAUD HAS BEEN COMMITTED. I HAVE SUBMITTED THE PROPER DOCUMENTATION TO THE CREDIT BUREAUS REGARDING THE FORGERY AND IDENTITY THEFT REPORTS FROM THE POLICE DEPARTMENTS AND THEY STILL REFUSE TO COMPLY WITH THE FCRA. ONCE AGAIN I STAND AT A STAND STILL I HAVE NEVER HAD A STUDENT LOAN WITH NAVIENT OR DONE BUSINESS WITH THEM AND FRAUD HAS BEEN COMITTED TO OPEN UP AND ACCOUNT IN MY NAME UNDER MY CREDIT SO REMOVE THE ACCOUNT FROM MY FILE IMMEDIATLEY.
Product: Mortgage

After receiving 100 's refinance proposal by mail I decided in XX/XX/XXXX to contact 3 lenders to have different propositions. My mortgage is with Mr Cooper ( 3rd loan officer in 2 years ). 
I had a 1st hard inquiry with the 1st lender and a 2 weeks period to " shop '' for the best conditions without impact on my credit score. However after looking at my report I can see another hard inquiry from another lender ... 
They all have the best conditions until moving forward when new fees starts to appear on the closing disclosures.. Part of the refinance process an Appraiser came onsite ( {$540.00} fee ) and filled a report, this appraiser was sent by the lender I selected to move forward. 

However after seeing the final closing costs I decided to stop the process. I purchase my home in XX/XX/XXXX for {$420000.00}, I did some improvements and the value of homes in XXXX especially in my area exploded since last year. The appraisal report value the home {$600000.00} so I contacted Mr Cooper and asked them the process to remove the PMI. 
I was told that it's not possible because the appraisal wasn't done with the appraisal company they work with and that I need to pay for a new report and because my loan is less than 5 years I need to have 25 % equity ( XXXX XXXX requirements ). 

I paid {$540.00} for an appraisal done by an appraiser licensed by the State of Florida but I need to pay for a new appraiser!!!! with their partner ... 

If that's the same type of partner than what they use on their website/app that makes more sense. Mr Cooper 's App displays 2 estimates XXXX and XXXX. But they only use the XXXX value to calculate the PMI and equity! 
XXXX  value my home {$440000.00}!!! Really?? XXXX {$590000.00} that's a big difference! I did a pool with spa, the lot is XXXX sqft, the home is front sold for $ XXXX last month but my home is value $ XXXX with their partner XXXX  ... Obviously I just XXXX XXXX and they are owned by Mr Cooper !!! So convenient!!! 

On top of that : - {$25.00} expedited fees for each loan payoff document x 3 = {$75.00} - {$20.00} Third party reconveyance preparation fee - $ 10 county fee etc ....
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX  and XXXX  and XXXX  from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. XXXX XXXX
Product: Checking or savings account

The XXXX is the Michigan State Disbursement Unit, which gives me alimony and child support. 
On XX/XX/XXXX I deposited XXXX checks issued by the XXXX in my Chase Bank Account : Check number Amount Date issued Date cashed XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Not cashed XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Unfortunately, the XXXX had deposited in a pre-paid card the amount for check XXXX which made the check void. 
I currently live in XXXX, taking care of my sick father. I wasn't aware of this check 's cancellation, the XXXX statement can't be consulted in internet when you are out of the country. It has some kind of blockage when checked outside the US. Also, the mail sent to my XXXX address was lost, reason why I changed my mailing address to the one attached. 
Chase blocked my account. 
The XXXX provided me, ends of XXXX, with the dates when Chase cashed the checks. 
The total amount of the cashed checks is {$11000.00} I was required by Chase to physically go to a branch and identify myself and provide all kinds of documentation before I could obtain any money. I repeat, this is child support and alimony. 
I did travel to a branch in California in XX/XX/XXXX, paid for travel expenses. I provided IDs, XXXX statements, divorce agreements, proof of mail address in Michigan, etc. There was not a single document they required that I couldn't provide. 
A couple of days later I received in my mailing address, in Michigan, a check for {$5900.00} from Chase. 
I called Chase about a week later and I was required the phone number for XXXX section employers ( XXXX ) which manages the checks and amounts. Chase indicated that XXXX is working currently from home and have no information about the checks. The Chase customer service person, " XXXX '', was not willing to provide her last name, any name or suggestion on how to manage this issue, or name the reason why they will not pay me the leftover money. Period. 
It seems as if Chase still had to confirm I deserve to have the amounts. 
They still owe me {$5200.00}. I am being charged with interests for the money I owe due to this deficit. Please help me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX lawyer made a contract with me to pay the judgement order. Both parties signed. I kept them updated when I was to receive payment. When I asked if my credit report was to be updated saying paid, they spitefully decided to up date my credit report with charge off, charged off as bad debt. I settled with {$10000.00}. Sent them every last XXXX I had. XXXX XXXX was always a nasty XXXX who is miserable and takes it out on customers.
Product: Credit reporting or other personal consumer reports

Today, I found that my credit report contains incorrect accounts, and I have no idea how they appeared. I check my report regularly, but this time there were unexpected errors. I attempted to refresh my browser, thinking it might be a temporary issue, but the incorrect accounts remained. Because of this, I am requesting a careful review of the documents I submitted to resolve the issue once and for all.
Product: Credit reporting or other personal consumer reports

Chime Financial opened up a credit account ( Acct XXXX ) on XX/XX/year> using my social security number. This account was reported to XXXX and XXXX and was included in my credit file. My credit is locked/frozen for both credit bureaus, but Chime still somehow opened this account. 

After receiving the credit alert from TransUnion and Equifax of the new account, I contacted Chime to report the fraud. They could not locate any record of the account, despite having reported the account to 2 credit bureaus. Because of this, they also refused to open up an investigation of fraud so that bureaus can take action to remove the account reported by Chime from my credit report. 

My credit has been negatively effected by Chime 's fraudulent activities.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person. I have rights under 15 USC 1681 Chexsystems is govern by 15 USC 1681 and they violated my rights. I demand the account below be removed immediately According to 15 USC 1681 I have the right to privacy and I did not give Chexsystems written permission to furnish these accounts. Moreover items were reported fraudulently and inaccurately and in accordance with the Fair Credit Reporting Act all items must be XXXX XXXX accurate when reporting and account reported are not 100 % therefore I demand for All accounts get deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX  XXXX XXXX also called XXXX XXXX to remove all reported items XXXX Account number XXXX XXXX Account number XXXX XXXX Account number XXXX Chex Systems Account number XXXX I dont have any installment loan with XXXX  XXXX XXXX  XXXX XXXX and I never signed or authorized any installment loan with XXXX  XXXX XXXX  XXXX XXXX XXXX I never written any checks from XXXX XXXX XXXX  XXXX XXXX The furnisher XXXX ( XXXX XXXX ) responded to prior CFPB report case number XXXX that the reporting was not made by them ; therefore, I can conclude the reporting is done fraudulently ( page XXXX of XXXX ) I gave Chexsystems a copy of the CFPB and they ignored my request to delete account I gave Chexsystems a copy of my FTC filing stating that the XXXX accounts requested to be deleted are fraudulent. FTC report XXXX regarding identification theft Moreover all XXXX accounts are inaccurate on all XXXX credit files and 15 usc 1681 states credit files have to be XXXX XXXX  accurate XXXX stated they did an investigation however all XXXX credit files are still inaccurate I want all accounts deleted immediately
Product: Credit reporting or other personal consumer reports

I have did several disputes with Experian and they have violated so many laws. When I have disputed the Bankruptcy on my credit report, how it is coming back verified is a pretty SUSPICIOUS thing! The United States Bankruptcy court does not report any information to the credit bureaus and IS NOT responsible for verifying OR validating information from consumers ' credit files. Please report back to The Fair Credit Reporting Act ( 15 U.S.C. 1681 ). Delete all inaccurate information that I have disputed because clearly the verifying and validation tactics Experian use are incorrect and inaccurate. Also, BY LAW & THE FAIR CREDIT REPORTING ACT you all are suppose to be reporting close to the other credit bureau and as I see here XXXX is the ONLY one reporting correctly so therefore, YOU ALL NEED TO REPORTING THE SAME INFORMATION AS XXXX!
Product: Mortgage

My wife and I purchased our home at XXXX XXXX XXXX way XXXX, Arizona in XXXX of XXXX, being young parents we were excited to have been able to accomplish this goal. All was going perfect until around XXXX of XXXX, when our only family vehicle was stolen, at this point we missed a mortgage payment and planned to catch up as soon as possible. Regrettably in XXXX of XXXX we fell behind by 1 more payment due to some unplanned expenses. Still attempting to bring our loan current and keep our house while also minimizing damage to our credit we made sure the loan did not go past 59 days delinquent. Around XXXX of XXXX we received a letter from the lender advising that we needed to bring the loan fully current by making a full payment exceeding {$1700.00} dollars. They advised if we did not pay the full amount they would refuse our future payments. I did not know they could do this and at that point I called them and told them they could not, at which point they advised me they could. So I consulted family to see if they could help which they could not so the only option was to stop paying and plan for the worst. Around XXXX of XXXX we had received written and oral communication about a loan modification being offered to us as part of the making homes affordable program. As part of the program we were advised to make trial payments in the amount of {$600.00} which as agreed we did, this can be verified by reviewing the payment history letter Ocwen sent us on XXXX XXXX XXXX. We also to be safe made sure that when we had to sign and return forms we put them with our checks and mailed them together in the same envelope. During the trial period we received a letter, the letter advised us that the loan modification was cancelled as the bank did not receive the final signatures agreeing to the loan modification. I called the bank and requested an appeal immediately, pleading with them to review the issue advising that we sent everything requested and asking them logical questions like if I did not want to comply why did I send the loan modification payments as agreed. I also advised them that the signatures were with the checks sent to them. I was told that at that point no appeal would be allowed and that the house would go to a foreclosure auction in XXXX of XXXX. Having no funds for an attorney I thought hope was lost until I met a lady recently who advised me to start a complaint with the Arizona attorney general 's office, which brings us to this point. I am humbly requesting as a husband and father of XXXX kids who depend on me for your help in righting this great wrong.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Report and noticed thad I had deferent late payment on an account that I was never late for consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accurancy I have never been late on payments for the XXXX XXXX XXXX XXXX XXXX XXXX  PLEASE INVESTIGATE and provide proof with statement showing that these payment were late if proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER LATE THANKS