23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We received the attached letter dated XX/XX/2018 from Wells Fargo indicating that our mortgage LTV was now below 80 % and we were eligible to cancel our PMI coverage. However, cancellation was not automatic and required us to pay additional principal or fees to Wells Fargo in order to cancel the PMI. Our first option was to pay Wells Fargo enough principal in order to reach 78 % instead of the 80 % as required by HPA guidelines. Our second option was to pay Wells Fargo 's PMI department an additional fee in order to do an appraisal to determine if the value of our home was adequate. In addition, they indicated that Wells Fargo was the only company that could complete the appraisal and no third party valuations would be accepted. This initial letter however did not specify the cost of this appraisal or how to order it. I tried contacting our local mortgage representative but she would not return my calls. 

On XX/XX/XXXX, I called the XXXX number listed to determine how we could go able ordering an appraisal. The representative on the phone basically restated on the phone what was stated in the letter I had already received. She indicated that she would send me a letter with additional information about the appraisal ordering process. She did not indicate how much this appraisal would cost. 

By not providing all information in the initial letter, it only allows Wells Fargo to continue charging debtors additional PMI fees while they send out additional letters. 

Today, on XX/XX/XXXX, we received the letter in the mail with the appraisal information. Wells Fargo wants {$560.00} in order to complete an appraisal to drop the PMI even though we've already met the 80 % threshold, have never missed a payment, have never been late on a payment, and have actually been paying extra on the loan. This is unethical and ridiculous. It puts us into a situation where despite hitting the 80 % PMI threshold we are required to either keep paying Wells Fargo the PMI, pay a large chuck of our principal, or pay Wells Fargo for an " exclusive '' appraisal just so that they can get more fees out of us.
Product: Credit reporting or other personal consumer reports

I DOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ACCOUNTS. 


I PROVIDED PROPER DOCUMENTATION
Product: Credit reporting, credit repair services, or other personal consumer reports

Writing to this company last XXXX XXXX, 2017 is not useful. I have disputed several items incorrectly reported on my credit report. The item such as Bankruptcy which I verified with the court has been dismissed last XXXX XXXX and this company claims it was verified. This must be taken care immediately. Alo, there are still items listed on the attached copy of the letter I sent this company that is reporting inaccurate and incorrect pieces of information such as the highest balance, account opened date, status, payment history which does n't seem to have been investigated.
Product: Credit card

On XX/XX/2024 I responded to a mailer from Capitol One and applied for a credit card. I received an email on the same day saying I was approved for the card with a {$3000.00} limit and my card was on the way. On XX/XX/2024 I received my card, but when I attempted to activate my card I was told I needed to submit additional documentation due to a fraud concern and someone from Capitol One would contact me within 10-14 business days after receiving my documents and I could use the card when the fraud concern is lifted. I submitted the required documents the same day XX/XX/2024 but nobody contacted me. I called Capitol One today to check the status of my account, only to be told that the fraud concern had been resolved due to the documents I submitted, but that I still can not use the card because I need to submit documents to verify my income. This is highly misleading and deceptive, if additional documents were needed to approve the card then Capitol One should have been transparent about that instead of sending me an email and credit card with an approval letter. This is a complete bait and switch, Capitol One should not tell customers they're approved for credit cards they can't use. I refuse to reward Capitol One 's behavior and will no submit any additional documents, and my credit score will be damaged when this account is closed by Capitol One. Capitol One should have never opened the account to begin with if additional information was required and as a consumer I'm being harmed by their deceptive actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

As stated before, ive disputed inquiries on my consumer report that was not authorized by me or from me which took awhile to be recognized as fraudulent. These are the remaining inquires on my Experian profile that ill need deleted as requested. Inquiry : XXXX XXXX, Date of Inquiry : XX/XX/2021 Inquiry : XXXXXXXX XXXX, Date of inquiry : XX/XX/2021. Ive fought hard to have these removed in still had no suscess in the past. I ask that Experian to exhaust all remedies and please have these removed immediately.
Product: Checking or savings account

On XX/XX/XXXX I was notified by Navy Federal Credit Union ( NFCU ) that there was suspicious activitiy conducted on my account. When I reviewed my account, there were two dedutions of {$520.00} for a total of {$1000.00}. The transactions were used on something called " XXXX ''. I immediately contacted NFCU and expressed to them that I didn't make those charges. I went to the NFCU branch in XXXX and they collected the card and shredded it and I was issued a new debit card. They issued the funds back into my account. So I thought this was over. A couple of days later when checking my account, I realized that NFCU went back in and deducted the {$1000.00} from account. In an email they stated that the fraud investigator determined that it was not an error. I was furious because it was fraud as I did not make these charges. When I contacted NFCU again to express my disappointment/frustration, and I asked them how they made the determination that it was not an error, they stated that the investigator looked at the activity/history of my account. I was even more furious because the activitiy consisted of transactions at grocery stores, gas stations, XXXX, XXXX, XXXX, XXXX, XXXX transactions, etc. So how can you determined that it was no error based on those types of transactions. They are taking over a {$1000.00} from me for something that I did not do. It is unfair, and unacceptable. I used my debit card at a gas station, a beauty supply store in XXXX, and a couple of shopping stores on XX/XX/XXXX. I was sitting at home when NFCU sent me an alert that suspicious activity was conducted on my account. If they thought it was suspicious, then why am I being treated like the criminal?????? I need someone to investigate this deeper since it appears that NFCU is determined to take money from me that I can't afford for them to take. It's not fair as I DID NOT do this. I ask them to investigate further to see if they could determine where the transaction was made from/originated from. I swear it was not done by me. This is what is so infuriating. I appealed and it was denied. I'm appealing to them again and I'm going to keep appealing until this decision is overturned. PLEASE HELP ME!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

12 hard inquiries 2 charge off I disputed all late payments on XXXX XXXX
Product: Bank account or service

On XXXX/XXXX/15, I reported a fraudulent charge of {$670.00} debited by XXXX XXXX to the disputes department of Ally bank. I went on to explain that I had not contacted XXXX to initiate the charge, had not signed up for automatic billing of any kind and do not have account with them. I was issued a provisional credit in that amount while the disputes department investigated the matter. 
Nearly three months later, I received follow-up from the disputes department dated XXXX XXXX. The letter states that the charge " ... .was authorized and correct. '' Upon receipt I reached out to Ally to receive an explanation. To date, I have not been provided a definitive answer as to why this charge is considered valid. To add insult to injury, I received a letter dated XXXX XXXX from XXXX XXXX XXXX XXXX, XXXX, a collections agency, seeking payment in the amount of {$690.00} on behalf of their customer Ally Bank. 
On XXXX, I reached out to Ally and requested to speak with a supervisor. The call was forwarded to XXXX XXXX. She confirmed that the I may submit documentation to disprove the merchant 's XXXX rebuttal to the initial dispute once I receive yet another letter in the mail ; however, I am not sure how long this process will take or what impact this will have on my credit since this matter has already been forwarded to a collections agency. 

XXXX Resolution : I would like for Ally Bank to remove my account from collections and allow me the opportunity to properly resolve this matter by working with them and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the police department. Please block and remove all information from my credit report and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : 1. Account Name : XXXX XXXX XXXX Account Number : XXXX 2. Account Name : XXXX XXXX XXXX Account Number : XXXX 3. Account Name : XXXX XXXX XXXX Account Number : XXXX 4. Account Name : XXXXXXXX XXXX XXXX  XXXX Account Number : XXXX XXXX. Account Name : XXXX Account Number : XXXX 6. Account Number : XXXX XXXX XXXXXXXX, XXXX Account Number : XXXX 7. Account Name : XXXX XXXX Account Number : XXXX 8. Account Number : XXXX XXXXXXXX Account Number : XXXX Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. 

Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau. The documents needed are a picture Id, XXXX, a group helping me due to XXXX XXXX XXXX XXXX which falls under trafficking according to XXXX -De XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant XXXX XXXX. I have given you my identification as we are required by law. I have provided all needed documents and determination letter according to 1022.142 ( b ) ( 6 )
Product: Bank account or service

I have a checking account and see a monthly charge of {$5.00} labeled Online Bill Pmt Billingfee. I do n't know who is doing the debit and when contacting the XXXX with the Company ID I am referred to XXXX then XXXX. They claim I have been misdirected and I contact my bank again to no avail.
Product: Checking or savings account

I received a Discover Bank XXXX card in the mail. I don't have any accounts with Discover and never applied or opened an account with them. I called and was transferred to an account specialist to handle this but after 2 hours on hold, got disconnected. Tried again with same result. Called a new number and they said the only way to handle it is to call the number that keeps disconnecting me after a couple hours of waiting. They won't give me any other option and the number I try to call wastes hours of my time before disconnecting me so I'm unable to get a hold of anyone to resolve this issue.
Product: Checking or savings account

My family and I have been loyal customers for over 50 years of the above noted bank. I have inquired about a competitive interest rate and have not been provided one despite my loyalty. The Feds are involved with interest rates but banks do have the power to offer competitive rates. Also, when I spoke with XXXX and Mrs. XXXX with Wells Fargo they indicated if I closed my account my deposit would be mailed via usps. This is unacceptable as I would be concerned that my money would be lost in transit. It appeared that XXXX/XXXX XXXX or overnight options were not available. This bank has a history of nefarious behavior.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute a fraudulent charge on my account of $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 am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Act’s amendments to the Truth in Landing Act, 15 U.S.C. §§ 1666-1666b, 12 C.F.R §226.13. See Also 12 C.F.R § 226.12(b)-CLOSED ACCOUNTS-1. XXXX XXXX XXXX #XXXX opened on XXXX XXXX XXXX with a credit limit of $XXXX,XXXX.XXXX-This is not my account.2. XXXX XXXX XXXX with ACCT #XXXX opened on XXXX XXXX, XXXX with a credit limit of $XXXX,XXXX.XXXX-This is not my account.3. XXXX XXXX with ACCT #XXXX opened on XXXX XXXX, XXXX with a credit limit of $XXXX,XXXX.XXXX-This is not my account.4. XXXX XXXX XXXX XXXX with ACCT #XXXX   opened on XXXX XXXX, XXXX with a credit limit of $XXXX,XXXX.XXXX-This is not my account.5. XXXX XXXX with ACCT #XXXX opened on XXXX XXXX, XXXX  with a credit limit of $XXXX,XXXX.XXXX-This is not my account.6. XXXX XXXX with ACCT #XXXX opened on XXXX XXXX, XXXX with a credit limit of $XXXX,XXXX.XXXX-This is not my account.7. XXXX-XXXX XXXX with ACCT #XXXX opened on XXXX XXXX, XXXX  with a credit limit of $XXXX,XXXX.XXXX-This is not my account.	8. XXXX/XXXX with ACCT #XXXX   opened on XXXX XXXX, XXXX with a credit limit of $XXXX,XXXX.XXXX-This is not my account.9. XXXX/XXXX XXXX with ACCT #XXXX opened on XXXX XXXX, XXXX with a credit limit of $XXXXXXXX.XXXX-This is not my account.-COLLECTIONS-10. XXXX XXXX XXXX with ACCT #XXXX opened on XXXX XXXX, XXXX with a credit limit of $XXXX,XXXX.XXXX-This is not my account.11. XXXX XXXX XXXX with ACCT #XXXX opened on XXXX XXXX, XXXX with a credit limit of $XXXX,XXXX.XXXX-This is not my account.
Product: Credit card

Provide a description of the incident and how you were victimized.Provide information not captured elsewhere in this complaint form. 
On XX/XX/2023 the following charges were posted to my American Express Corporate Card account : XXXX XXXXXXXX : $ XXXX XXXX XXXX {$120000.00} XXXX 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 XXXXThese are fraudulent charges that I recognized the morning of XX/XX/2023. On XX/XX/2023 I contacted the American Express fraud department and explained the situation that my card was compromised and that these charges were not initiated by me. After validating my account information American Express closed my account and issued me a new card.On XX/XX/2023 American Express credited my account {$31000.00}, which is the sum total of the above charges.On XX/XX/2023 American Express reversed the credit and assessed my account {>= $1,000,000}, making me personally responsible for charges I did not initiate or authorize.On XX/XX/2023 I contacted American Express and told them that I was filing an internet crime report and affidavit.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding inaccurate information on my personal credit report. During my review, I noticed entries for late payments that are incorrect. Despite sending documentation disputing these entries over 30 days ago, I have not received a response, and the credit bureaus have failed to provide proper validation for these alleged late payments. I am seeking your intervention to rectify this situation.
Product: Vehicle loan or lease

I closed on a loan on XX/XX/XXXX and had not received confirmation from Huntington Bank that they had started the process to order my title from the state of Michigan by XX/XX/XXXX when I had to go to the DMV and place the order for my own title. I had prepaid for the taxes and filing fee to Huntington for them to pay the taxes for my vehicle. I was able to confirm on XX/XX/XXXX that the prior owner 's credit union had released the lien on XX/XX/XXXX. I had called Huntington multiple times and kept being told that they had not received the lien release. I had my daughter even go to the branch and she was given this same wrong information. I had no choice but to get my own title. My vehicle had been sitting undriveable because Huntington had not even begun the lien release process or their reps were too incompetent to know how to find the information. This wrong information forced me to have to pay another set of taxes and filing fee along with a duplicate title. To put this hardship into context, I am XXXX years old and a 4 time XXXX survivor who lives on 2/3rds of a XXXX. I had to wait in line for over an hour with my walker. My last call to try to get a refund was on XXXX. I was on hold again for almost an hour between waiting to get transferred to the right department and speaking with an installment loan rep. I was so frustrated i gave permission for my daughter to speak on this issue until the problem was resolved. I was assured she could receive the information. To my utter dismay and frustration, she called today XX/XX/XXXX after not receiving a promised call back. She waited for a call back for an hour and on hold for another 10 minutes as the first rep tried to find her help. She was finally transferred to a rep. She explained that I gave permission which was documented to speak on my behalf. The is rep showed no care to listen or help. He stated, you are not on the loan and I can't help. She explained i gave her permission and it was documented. He didn't seem to care and stated again, you're not on the loan and I can't look for that note because it would give away information. Now if a rep won't look how can he confirm. The previous rep we spoke with on XXXX sent an email to her manager named XXXX and supposedly documented everything for us to get a call back. That never happened either. I am so upset that this rep didn't even reach out to a supervisor or try to help. This bank is ridiculous and I believe is purposely making it hard for elderly customers to get help. The long wait times, no help from qualified agents or care to resolve issues seems to be this banks motto. Its great they give people 24 grace but how about 24 hour help. I want my money back since Huntington did nothing and was incompetent in their information. How can three agents not see a lien release has been received and then when their incompetence costs a person a fixed income half of their month income, do nothing to help. I want reimbursement for my fees.
Product: Credit reporting or other personal consumer reports

On XXXX, an associate on the line asked for my social security number and without my consent ran my credit for a business inquiry. I informed the associthat I was applying using my EIN and she still proceeded to use my personal information.
Product: Payday loan, title loan, or personal loan

XX/XX/2019 Call to refinance on a personal loan. Requested a balance {$16.00}??.??. Payment pulled out but not subtraction d from my loan balance. 
XX/XX/2019 Called to see if loan payment pulled by their bank applied. No. 
XX/XX/2019 Called payment still not applied. Clerk tells me to call on the wednesday the XXXX. 
XX/XX/2019 Call loan has cleared. Now all I need is a account summary of my bank account showing positive balance. Go into the store show account summery. Clerk tells me okay to refinance the personal loan. Sign papers to refinance back to {$2500.00}. Receive a check for {$790.00}. 
XX/XX/2019 The night before it comes to my attention I was expecting a check in the amount of {$990.00} or {$1000.00}. Realize my check is $ XXXX- {$300.00} short. So I call well the balance only lian had grown to {$17.00}??.??. Because it took 14 days 2 weeks to post to my loan. 
I lost, interest, and finance charges it happens again in XXXX. I make payments of {$320.00} out of that payment my prinicipal should lower by {$140.00}. Instead it is increasing by double that. 

I start my complaint on XXXX XXXX. Their response on XXXX XXXX is that it usually takes a couple of weeks to clear. And if they were to refund me it would make the contract if the lian null and void. That they are sorry. 
My theory is someone in corporate office is holding on to the payment and gaining interest on that money. This is not fair since it is their bank pulling the payment. How could it the 2 weeks. 
Can you help me to get a refund of {$200.00} for each month that the payment is not applied within a reasonable time?
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a recent data breach and request that the following fraudulent accounts be blocked and deleted from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
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 XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is directly related to Nationstar XXXX XXXX CO, Mr. Cooper, who will referred to as The Company. 

Consider this a follow up complaint to my original complaint filed XX/XX/2022 with The Company - XXXX. The required timeframe for a prompt response has expired. 

I spoke with a representative of The Company on a recorded line who confirmed the delinquency was a direct result of The Company 's illegal and harmful communication practices. The representative confirmed that I would be contacted by a supervisor of The Company which did not occur within 30 days. 

The Company failed to notify me of current balance due upon purchasing my loan ; The Company failed to notify me that a scheduled payment had been rejected within a reasonable timeframe ; The Company failed to accept my payment without reasonable explanation within 14 days of rejection ; The Company failed to notify me of payment rejection within XXXX hours of failure ; The Company would not allow me to make a payment within 30 days of purchasing my loan ; The Company failed to respond within the required timeframe for a verbal complaint ; The Company failed to deliver notice of delinquency prior to 30 days late ; The Company delivered libel reports to credit agencies despite The Company being responsible for delinquency ; The Company refuses to respond to multiple attempts to correct The Company 's error. 

Mr Cooper will now be required to relay all future communications regarding my mortgage by written mail as well as responding to this CFPB complaint. 

I have also served a final notice for The Company to correct their reports. Without a prompt response from the Company, this complain will be escalated to civil court.