23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/2019 at XXXX, the " Cease Order '' on my account was violated when a Wells Fargo representative phoned me at my home. 

In addition, she was quite rude, disrespectful, condescending and dismissive when advising me of what documents are needed for a loan modification. 

On Thursday, XX/XX/2019, I called Wells Fargo to request to start a loan modification. The first gentleman I spoke with became rude after asking me the reason for my " hardship ''. I explained it to him, including how Wells Fargo has increased my payment almost {$1000.00} in the last 10 years and how I hesitated until now, to seek help from them because I do not trust Wells Fargo and fear they are trying to take my home. 
He became irate, stating " Wells Fargo doesn't want your house! We have investors who are interested in buying your property ... '' I then hung up the phone, I was very upset. 

After calming down, later that same day, I called again and got a female representative and again, began trying to apply for the a loan modification. 
She was a bit more professional, so I continued with the initial " welcome '' process. The call ended with my understanding that the application will be mailed, what documents I needed to submit with it and that due to the cease order on my account, SHE COULD NOT CALL ME, I WAS TO CALL HER WHEN I RECEIVED THE MAILING. 

When I tried to remind her that we spoke on the XXXX, that I understand what was expected of me and that I did not receive anything yet, she started " talking down to me '', like I was a child or something. She then stated, " Look, I have over a hundred other clients to deal with, so ... '' At that time I interrupted her and stated that I would like to withdraw my application immediately and I hung up. 

In closing, be advised that this is the 2nd attempt I have made to apply for a DESPERATELY NEEDED LOAN MODIFICATION. But, due to Wells Fargo 's unprofessional representatives, I really do not trust that my situation will be treated fair, accurate or even courteous. 
Please help.
Product: Checking or savings account

As a costumer I have always been charged for insufficient fund.

Whenever I get a refund from example car rental deposit hotel deposit I was always told I wouldnt see it in the account it would fall off.

I never understood. What that means When I have money in my account I could never understand why the balance would decrease and its not adding up.

I also remember getting charged 3 insufficient fund back to back one after the other one after other I cried.

Still have that account but I change my direct deposit to another back and from I did that I have never had my account I a negative balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the creditors for the removal of these fraudulent inquiries on my report and haven't had anything but empty promises to remove. I have also sent a previous FTC report over to XXXX and they suggested to do an updated report to include these inquiries specifically. So I would like to report and remove all inquiries dated XX/XX/2021 ( SYNCBXXXX XXXX to XXXX XXXX XXXX ( SYNC/XXXX XXXX ).
Product: Debt collection

Love beal and Nixon illegally sued me and got a default judgement against me I never received a date of the hearing I called the court house several times they never gave me a date I even responded to the motion still never received a date.. I called and spoke to XXXX and was set up on a payment plan for XXXX accts I sent in payments for XXXX accts they accepted the payments. They then put a garnishment on my checking acct even though I am set up on a payment plan.. It is my understanding that they can only take up to 25 % of monies in my acct they have taken everything I was once again never notified by XXXX not the bake I still have not received anything from them. This is a known issue with them I do n't understand how they are legally still in business..
Product: Credit card or prepaid card

I am deeply concerned and frustrated about an issue I am having with my CareCredit card payments. A few days ago, I made a purchase for {$1.00} on the card. When the charge posted, I tried to pay it. On three occasions now, I have tried to pay the balance. On each occasion, the payment has been cancelled by Synchrony, with them saying that my account has a {$0.00} balance and therefore a payment can not be processed. As you will see in the attached screenshots and email, that is not the case. When I called Synchrony, they told me it was because I had an open dispute that needed to be closed. This confused me because the last time I had a dispute was XX/XX/2020 and that was resolved. The rep, who claimed to be a manager, told me that he would close out the dispute and I could make a payment in 48 hours. After 48 hours, I tried to make another payment and received another email stating the payment has been cancelled for the same reason as before. I MUST BE ABLE TO MAKE PAYMENTS ON MY ACCOUNT TO ENSURE THAT IS DOES NOT GO PAST DUE. THIS IS A MAJOR PROBLEM AND MUST BE FIXED IMMEDIATELY. SYNCHRONY IS HARMING CUSTOMERS BY NOT ALLOWING PAYMENTS TO BE MADE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian de-facto prevents consumers like myself from placing a security freeze. This action is either due to extreme negligence as a minimum, or, possibly deliberate. I had provided all the necessary information to Experian via their online system to identify me and place a security freeze ( SSN, address, answered numerous questions ), however, Experience refuses to place a freeze and requests me to send them highly sensitive and private information by mail, thus exposing me to extreme identity theft risk. I have 25 years of credit history and I even have online account with Experian - and they had no problem creating an account for me earlier and trying to sell me their rip-off services ( that should be free in a civilized country ), so clearly they have no problem with my identity for purposes of selling me my own credit info-related stuff yet they refuse to place a freeze. US mail is disappearing right now and I had an instance of open mail/theft by USPS employee last year ( that is being investigated by Postal Inspector ). It is not safe to send SSN and similar document copies requested by Experian by mail. Neither I see why I should spend a lot of money for overnight/signature-required mail ( which is more secure ) just to play along illegal games by Experian agency. I had no problems with other consumer agencies ( XXXX XXXX ) and was able to place a security freeze with no hassle with them, I also was not prevented from placing a XXXX freeze : clearly the problem is limited to Experian and their illegal practices exposing US consumers to identity theft.I already was victimized by XXXX information breach : why does US government continues to allow this abuse to happen and for these monopoly agencies, that destroy Americans ' livelihoods, to expose people to identity theft? Please act to immediately stop Experian from continuing these illegal and abusive practices. There's evidence online that Experian does the same to people trying to lift their freeze, refuses to take a correct pin and requests sensitive info sent by mail. I was not able to place a freeze with Experian after spending long time entering all my information, yet, Please stop consumer abuse by Experian.
Product: Vehicle loan or lease

Ive just paid for a copy of my credit reports, and reviewed my credit file as is being reported XXXX credit services, and noticed there are several inaccurate accounts and/or items on my report. This means that the below listed accounts was not opened by me, and that I did not profit from this account having been opened. As per section 609, I am entitled to see source of the information, which is the original contract that contains my signature.

I have reached out directly to the Lender explaining I was incarcerated at the time when this loan was being processed. I have also submitted documentation to the Lender directly upon their request to submit proof of documentation for my time incarceration.

This account BMW FINANCIAL SERVICES : Account number XXXX which is reporting on my XXXX credit report only ; XXXX and XXXX credit services do not have this account reporting on my credit profile.

I have reached out to the Lender directly numerous times and requested the original contract and I have not received a response. 
Lender contact information : XXXX XXXX XXXX XXXX, OH XXXX and telephone number ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

There was an identity breach, data breach my information Social Security birthday address and more was stolen.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding some unknown and innacurate things on my credit report. Over 60 days later I have not recieved a response yet. I feel like I am being ignored and taken advantage of. In section 611 ( a ) it states that Failure to investigate these items within 30 days gives a reason to immediately remove this from my credit report. IT has been 60 days and these items should be removed from my report. I have suffered so much from these innacurate items. My family is also being caused massive stress. I demand these items be deleted or I will have to file for litigation because of the stress you have caused. I have been included in the XXXX Data Breach and I fear this might expose my info to wrong hands.
Product: Money transfer, virtual currency, or money service

Im writing am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution 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 CFPB 's 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.
Product: Debt collection

XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX placed a collection on my credit report to all three bureau 's. A total of XXXX saying that I owe it to BMG money. Who has been listed as a charge off. Since XXXX. When in reality it was XXXX. Come XX/XX/XXXX. Absolute resolution ( debt buyer ) listed XXXX for BMG money. This is double reporting as I only had one loan with Bmg money and haven't heard from them since XXXX. This is creating a lot of damage to my credit as I am trying to rebuild.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Dear XXXX, TransUnion It is now XX/XX/XXXX you received the first correspondence on XX/XX/XXXX which means your 30 days to Validate such has expired. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item. Also as of XX/XX/XXXX, all public records are to be removed you have  yet to comply. My mother is in the advanced stages of XXXX, therefore, I am dealing with our family attorney to handle her affairs. Per our attorney, You are in direct violation of my rights If I owe such debt let the collections agency send me validation, You do not have the right to play GOD with someones family. I request an immediate deletion of all negative items from my report.
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, I provided Experian with a significant volume of evidence exposing the fraudulent and unauthorized nature of the accounts tarnishing my credit file. This comprehensive submission, including a legitimate report from the Federal Trade Commission with a NOTARIZED ( FTC ), and indisputable proof of identification, should have merited the immediate removal of the nefarious account. Despite my ongoing submission of extensive documentation outlining the inaccuracies of these accounts and the impropriety of its reinstatement, the lack of reinvestigation is deeply troubling because all items are supposed to be investigated before they are added to credit report. In adherence to the Fair Credit Reporting Act, the failure to verify the debt within 30 days mandates its immediate removal. Your correspondence asserting debt " verification '' is blatantly false under the law. It is obvious that unauthorized individuals have exploited my information, and merely confirming matching data does not constitute a valid verification process. THESE ARE THE ACCOUNTS IN QUESTION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Provide evidence they are mine, or delete them. These Accounts are Not Identifiable, and unlawfully reporting on my credit report. Experian is unable to verify the accuracy and proof of ownership for these accounts, which constitutes a direct violation of the FCRA. Experian 's conduct constitutes violations of 15 USC 1611 criminal liability, 15 USC 1681n civil liability for willful noncompliance, punitive damages, deceptive practices, negligence, and defamation of character under permissible purpose 15 USC 1681. I demand that Experian take immediate corrective action to rectify the inaccuracies in my credit report or I will pursue legal actions to recoup compensation for the damages I have suffered as a result of their actions. Attached is a certified UCC 11 information request form showing no liens or debt obligations in my name.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX XXXX. PER XXXX USC XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX -- {$510.00} XXXX XXXX XXXX XXXX -- {$530.00} XXXX XXXX XXXX XXXX -- {$410.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -- {$400.00} XXXX XXXX XXXX XXXX XXXX XXXX -- {$570.00} XXXX XXXX XXXX XXXX XXXX XXXX -- {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I placed a credit freeze on my file with Equifax following their data breach in 2017. Today, I tried to unfreeze my file in order to apply for a loan. After filling in their online form with accurate information about myself, I was told that I needed to call into a phone number ( XXXX ) to complete my request. 

When I called into that phone number, I was presented with an automated phone tree that asked me a series of questions, but still continued to refuse my request to unfreeze. The phone tree presented me with questions that do not accurately reflect my personal financial record and transactions, suggesting that there may be inaccuracies with the information Equifax has about me. 

There was no option to speak with a human, so I still have not been able to unlock my file or request the information in my own file. I have searched throughout their website and all methods of contacting actual human beings seem to be unavailable. 

There appears to be no method for me to confirm my identity, unfreeze my file, and address any inaccuracies that may exist on my record. It appears that Equifax is purposefully making freezing / unfreezing of individuals ' files difficult to discourage use of this necessary feature, so I need the CFPB 's help in accessing my own information. 

Thanks
Product: Credit card or prepaid card

I received a promotional offer in the mail. The offer was for an APR 16.99 % after 12 months of 0 % interest. I applied for the card online and the application was approved, but the APR changed to 24.85 %. I contacted the company directly and spent an hour and a half trying to get to the right person that could help me. Unfortunately, no was able to help me and told me they cant change the interest rate. They also made the statement that they didnt see any promotional offer entered on the application. 

I informed them that I entered the promotional code XXXX that was on the paperwork they advertised to me. They said they couldnt do anything to help me. They also informed me that I dont have to keep the card. At this time my credit has been affected by their inquiry and will effect further applications and percentage rates. Due to the consequences I feel Citi is liable to deliver what they have advertised. Otherwise this should be considered a case of bait and switch.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've disputed this XXXX account several times. This account was not investigated by Transunion, XXXX or XXXX. The information I received from these credit reporting agencies specifically says it was. The information that I will attach will prove that it was not investigated. This is not only time that this has happened with these credit reporting agencies. I will also send this complaint and information to the attorney General. It seem that this is done purposely by these agencies or the agencies are not being investigate as they have stated. This XXXX account has XXXX Balance and still not sowing on my report. Which I've requested and received this information from XXXX. I never received any proof and information that was requested that it was in fact ever investigated.
Product: Mortgage

The bank employee made huge promises for favourable terms of mortgage and asked to pay a refundable deposit for {$500.00}. However the mortgage was ultimately declined and bank deducted {$130.00} odd for the refund on account of appraisal cancellation charges. I fail to understand that why would someone order mortgage appraisal for a declined mortgage? this does not makes sense. Moreover bank officials never disclosed these charges unless the refund was received. I asked 2 questions through multiple forums and bank never answered it. 1 ) Why would you order appraisal for decline mortgage 2 ) How can charges be levied without disclosure and approval from the client
Product: Credit reporting or other personal consumer reports

Hello my name is XXXX XXXX XXXX. I noticed there are a few problems on my personal credit report on XX/XX/XXXX. I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. '' Please correct the spelling on my name to : XXXX XXXX XXXX I should only have 1 address : XXXXXXXX XXXX XXXXXXXX XXXX XXXX Nc XXXX Account name : XXXX XXXX XXXX When the account was opened : XX/XX/XXXX Account number : Account balance : XXXX Account name : XXXXXXXX XXXX XXXX When the account was opened : XX/XX/XXXX Account balance : {$1500.00} Account name : XXXX XXXX XXXX When the account was opened : Account balance : {$420.00} Account name : XXXX XXXX XXXX When the account was opened : XX/XX/XXXX Account balance : XXXX Account name : XXXX XXXX XXXX when the account was opened : XXXX XXXX Account balance : {$300.00} Account name : XXXX XXXX XXXX When the account was opened : XXXX XXXX Account balance : {$1000.00}
Product: Credit card

I had visited a restaurant in XXXX, XXXX on XX/XX/2024. I have written and followed up on a fraudulent charge on my credit card dated XX/XX/2024. I initially submitted a fraud inquiry, but the charge was removed by NFCU fraud department instantly without explanation until i called back the next morning. I was told it was because there wasn't enough evidence, I asked what evidence they needed and I was told a receipt, payment, a picture of the menu, etc. Since then, I have provided all the evidence I possess, except for the receipt, which I was never given or asked at the time because I didn't feel necessary. 

Unfortunately, the restaurant in question is unreachable, as they have no email, phone number, or website. Ive already worked with Navy Federals fraud department five times, but I am still unable to resolve the issue. Ive been repeatedly advised to contact the restaurant, but XXXX only provides the locations coordinates, with no further contact details. 

Given my lack of options and inability to reach the merchant, I am requesting that the credit card company assist me in this matter by conducting further investigation on my behalf. I have exhausted all available avenues and would greatly appreciate your due diligence in helping to resolve this issue. 

I had spoken with both the supervisor and dispute representative and have been told that unfortunately there is no receipt, they can't help me at all. The fraud/dispute department was made aware and have even given me the address that they pulled off of the credit card charge and told me to do my own research and give them a receipt before they would do anything otherwise, I will have to take on the {$2200.00} overcharge and they can not help me.
Product: Student loan

In XX/XX/XXXX I applied to have my student loans discharged due to the fact that I am XXXX percent XXXX veteran XXXX acting on Behalf of the DOE sent me a letter dated XXXX XX/XX/XXXX acknowledging receipt of my application along with the list of student loans that I had that were eligible for discharge. 

On XX/XX/XXXX I received a letter from XXXX which stated that all of my loans were discharged listing the the same loans that were in the letter dated XXXX XX/XX/XXXX On XX/XX/XXXX I received a letter from NAVIENT which stated that my loans were discharged. However the list of loans in the letter were different to the list of Loans That XXXX had advised me were XXXX. I contacted Navient on XX/XX/XXXX about the discrepancy. Navient informed me in writing that : The XXXX loans I had on file reflecting in an ln-School Deferment is currently being processed, and awaiting discharge from the Guarantor of the loan. 
On XXXX XXXX I contacted NAVIENT to find out about the status of the loans that were showing in school deferment that should have been discharged. They responded that : As of today 's date which was XXXX XX/XX/XXXX we have not received the funds from the Department of Education to pay in full your Federal Consolidation Loans XXXX and XXXX, due to yourTotal and Permanent XXXX Claim. I contacted XXXX on XXXX XX/XX/XXXX and notified them what I was told by NAVIENT. XXXX Responded on XXXX XX/XX/XXXX, stating : The Total and Permanent XXXX Servicer only handles processing the application. Once it is approved, your loan holder is responsible for discharging the Federal Student Loans, reporting to the credit bureaus, and issuing any eligible refunds for paymentsmade on or after XX/XX/XXXX. 
For specific questions regarding the discharge, please contact your loan holder, Navient XXXX. XXXX. I am getting pushed around by NAVIENT and these loans are on my credit report is affecting my credit to income ratio due and credit score due to the fact I am trying to refinance my VA XXXX loan.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or deleted. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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  Balance : {$0.00}