23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XXXX I applied for a mortgage loan through US Bank and was approved. The closing date on my loan was XXXX. They gave a loan commitment letter on around XXXX/XXXX/16 with no conditions for additional work being done to the property. I was in communication with the loan processor, XXXX XXXX, at least once a week to make sure that everything was on track. At no point did he give any indication that any additional work to the house needed to be done prior to closing. The week before closing on XXXX the title company contacted me and stated that US Bank was not responding to them to give them the information required for closing. I tried getting in touch with XXXX XXXX and the loan officer XXXX XXXX multiple times on XXXX, XXXX, and XXXX through phone calls and email with no responses. On XXXX I was able to get a hold of XXXX XXXX 's supervisor, XXXX XXXX, who said XXXX has been out of the office and that he 's ( XXXX ) is " not involved knee deep in every loan ''. After it was clear that XXXX was n't going to be of any help explaining why the closing disclosure was n't available for the title company I was able to get the contact information of his manager, XXXX XXXX. 

XXXX XXXX returned my phone call on XXXX at approximately XXXX. Less than 48 hours away from the scheduled closing. At that time he informed me that they could not close on the loan as scheduled. Furthermore, US Bank wanted several repairs to the house to be made prior to closing. At no point in the loan process had U.S. Bank asked for any repairs to be done to the house and had provided a loan commitment letter that did n't have any repairs as a condition on closing. He was shocked and said that he was speechless when he found out that I was just finding this out. The repairs that they were asking for at the last minute were unreasonable. For example, it was stated that a walkway need to be replaced because there was a slight dip that could be a tripping hazard and that we needed to install globes around closet lights. 

XXXX XXXX did apologize and informed us and the sellers that closing had to be delayed because US Bank failed to deliver on a loan through no fault of our own. The sellers and I lost confidence in US Bank 's ability to deliver the loan and agreed the best way forward was with a different lender. We did close on the house two weeks later using a different lender. The delay in closing cost us {$4800.00} in compensation to the sellers, {$630.00} in additional loan expenses, and mortgage interest rates had gone up an additional .25 %
Product: Debt collection

XXXX XXXX attempted to collect nonexistent debt in the amount of {$150.00} on XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXXXXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I had sent XXXX round of dispute letters. The first round of letter was sent and received on XX/XX/2022. I ask the them to check the info on the collection because I believe I saw several discrepancies and to provide me with the actual contracts. Remove anything you can not provide signed, original contracts for that correlates to the accounts in question. They update it but didnt provide me with the actual contract! Then I send the second round of my dispute letters and they received it on XX/XX/2022. They deleted XXXX account but updated the others and still havent provided me the actual contract to the accounts. Which are required to do this under the FCRA XXXX provision. Experian
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy and completeness of the balance associated with the account : XXXX XXXX XXXX Open Date : XX/XX/year> I believe the reported balance is incorrect, and this discrepancy needs to be addressed immediately. Under 15 U.S.C. 1681s-2 ( b ) ( E ), furnishers of information are required to conduct a reasonable investigation when a dispute is made regarding the accuracy of information on a consumer report. In the case of XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX, it was emphasized that verification of disputed information must be supported by comprehensive and accurate account-level documentation. Furthermore, 12 C.F.R. 226.25 ( a ) stipulates that such documentation should detail all transactions related to the account in question.

Given these legal responsibilities, I request the following : 1. A thorough investigation regarding the accuracy of the reported balance associated with my account. 
2. The provision of complete account-level documentation that verifies the accurate balance in accordance with the XXXX case and applicable regulations. 

If your agency can not verify the accuracy of the information with appropriate proof of verification, I expect that the account will be deleted from my credit report immediately, in compliance with the FCRA. 

Please send me written confirmation of your findings and any corrections made within the required timeframe. 

Thank you for your prompt attention to this matter. I look forward to your swift response.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I was Shocked to learn that I have been a victim of identity theft. I found numerous accounts and inquiries on my credit report that were not open by me. This has been hurting me as I am in the process of getting a home for my family. Please remove the fraudulent accounts and inquiries from my credit report as soon as possible.
Product: Credit card

In XX/XX/2023 a fraudulent charge was made on my credit card. I disputed the transaction. Ultimately, after several months, Bank of America notified me that, despite the charge being done without my authorization, that they could not do anything to help me. I then paid for the charge so that I would not accrue interest on it. In the subsequent billing cycle Bank of America, then removed the charge from the account again and placed it back on and begin accruing interest on the charge that I had paid off two months later. ( It is of note that I had an interest free loan on the account as well on which I was making all payments and for which I paid the fees in advance ). When I called to rectify the situation, I was told to default on the credit card or they would not address the fraudulent interest fees. When I pointed out that this would damage my credit, the supervisor with Bank of America hung up on me. I requested information on who opened the new fraud claim on my account in the XX/XX/2023 billing cycle and the representative would not respond. BofA opened that after I closed all of my other accounts and closed my credit card as a retributional act and are attempting to force me to damage my credit or pay them fraudulent charges. I recorded the final 90min phone call with them and have all billing statements that support this.
Product: Credit reporting or other personal consumer reports

I contacted Transunion I was in the hospital and did not initiate the 4 hard inquiries on my account. They refused to remove them even with my medical records I had XXXX XXXX XXXX They said I had to contact you.
Product: Debt collection

I am filing this complaint because my rights as a consumer have been violated under the FCRA because I have not heard anything from this company in 90 days regarding my disputes and I have sent two dispute letters requesting a debt validation to PRO COLLECT and all they sent me is a template response
Product: Checking or savings account

Wells Fargo authorized a series of Visa debit transactions to XXXX without my consent ( {$9500.00} total ). They blocked it when I discovered it, but refused to refund the stolen money. The card was in my possession, and I did not authorize these charges. Visa also has a full refund policy Wells Fargo refused to honor. They said I would have to complain to XXXX, but it was Wells Fargo who took my money. 

They said " there was no indication of fraud, '' but I told them the charges were not me, and the card was in my possession, so XXXX could not have run the chip. Wells Fargo said it was authorized by " face recognition, '' but I never approved that, and doubt it's true. 

The customer service rep was also rude and evasive, and refused to give his full name. His first name was XXXX. 

The following are the " post transaction '' dates of and amounts of the fraudulent transactions, all said to be with 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 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 first reported the fraud to Wells Fargo on XXXX  by disputing a charge on my app and calling them. On XX/XX/year> I received an alert in my app stating " We've completed your claim. '' On XX/XX/scrub>XXXX  I had a lengthy telephone conversation with Wells Fargo customer service, described above. They refused to help. 

Also, on XXXXXX/XX/year>, I did receive a credit for just {$170.00} ( return " authorized '' XXXXXX/XX/year> ). Wells Fargo refuses to refund the other charges. 

So Wells Fargo owes me {$9300.00}.
Product: Mortgage

Green Tree Servicing failed to honor my permanent loan modification when XXXX XXXX XXXX transfer the loan to them. They reported my loan as foreclosed but continued to take all my monthly mortgage payments. Months later they wrote saying they were going to honor my loan but made me go thru the trial period again, at the end they did modify my loan but they increase my interest this change will benefit them by XXXX for the life of the loan.
Product: Debt collection

Someone from Radius Global solutions called me concerning the debt. They had the wrong information and when they could not verify the information they still reported it to the credit bureaus and it has adversely affected my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

The loan was discharged in bankruptcy in XX/XX/XXXX. I XXXX XXXX XXXX obtain the loan approximately XX/XX/XXXX, and started reporting to the credit agencies. I would this to be removed.
Product: Debt collection

Account XXXX in the amount of {$1200.00} is being fraudulently reported on my credit report by Experian and XXXX. I have requested for validation of the debt as my identification has been falsely used for numerous accounts that I have not authorized. They have failed to provide me with a written validation of the debt after several requests and it is impacting my abilities to progress with my life. Either of the companies have been able to provide valid information that does that match up.
Product: Checking or savings account

XX/XX/year> I was denied application approval by company XXXX  XXXX completed application with illegal alien user name input to result in denial email message of red font indicating the request for a clear person of passing grade to correct illegal alien web-master. The webmaster is unable to understand that the customer has a three letter name than refused access to customer 's birth-given name account as an employed illegal alien. The alien group associates an illegal name with customers social security number signature three letter first name & surname issued perfect credit file by state government and bank system.
Product: Debt collection

I attempted to return the caller back he claims to work for attorney Scott Carruthers. Name is XXXX XXXX. Once I got a hold of him, he than started asking information about me, which i replied i do n't give out my information. I asked who it was and he hung up than i called back and he explained that he does n't talk to strangers. He keeps contacting family members repeatedly. Also calls me from unknown numbers.
Product: Credit card

I have four credit cards, Navy FederalXXXX XXXX XXXX XXXX XXXX XXXX cards that I was faithfully trying to pay back and I ended up going through a very bad divorce and stuck with paying all bills after my ex-husband left. I did not have a job at the time for a while and could ot pay these off. So, they ended up in chargeback and I think that was unfair when I tried to work something out with these companies. I stated that I was going through hardship and would still tell me to try and pay something. I had to figure out where I was going to live and get food and the bills were piling up. 

XXXX XXXX XXXX XXXX are chargebacks. But, I was trying to pay off Navy Federal piece by piece and again, hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to submit a formal complaint regarding inaccurate information on my credit report that I reported to Equifax on XX/XX/XXXX. Unfortunately, to this date, I have not received any response from Equifax regarding the disputed information. I am seeking assistance from the Consumer Financial Protection Bureau ( CFPB ) to address this matter. 
The following are the details of the inaccurate information and the required corrections : XXXX. ) Account Name : XXXX  Date Opened : XX/XX/XXXX Balance : {$43000.00} The above account is not mine, and I request Equifax to remove it from my credit report. 


XXXX. ) Account Name : XXXX  Date Opened : XX/XX/XXXX Balance : {$10000.00} The above account is not mine, and I request Equifax to remove it from my credit report.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX . 
XXXX XXXX On XX/XX/2020 I had a transaction on my debit card for XXXX from XXXX XXXX . I tried calling XXXX XXXX that couldnt give me any information because I did not have a ticket number or confirmation number. I notified the Regions back filed a claim. On XXXX the XXXX I received a response stating transaction verified with your card credentials. No report of card loss, theft or compromise. 
When I initially tried to contact XXXX XXXX they couldnt give me any info because I didnt have a ticket number, but it was provided on the response from Regions. I contacted XXXX XXXX they said the ticket was purchased by a XXXX XXXX I have no idea who this is. I call Regions to reopen the claim customer service was very nonchalant. I have never filed a claim I dont deal in fraud. When I ask the rep from Regions how do you know the transaction was verified with all my credentials she responded I dont know how XXXX XXXX  work, but you telling me the transaction was verified. For me XXXX is a lot of money an I can not afford to just accept this.
Product: Credit reporting or other personal consumer reports

Experian is reporting XXXX XXXX accounts on the charge off accounts that its over the limit. How is this credit bureau Experian allow to make remarks on a charge off account that is over the limit. This is 100 % inaccurate and shouldnt be allowed.
Product: Mortgage

Chase bank advised me that when I moved my mother who is in her XXXX 's upstate due to Covid 19 and was impacted greatly by this I could suspend my payments with no late payments or penalties. I was sick in XXXX and was late with this payment as well but they did not advise me that there would be credit reporting would be done at all. When I went to refinance my car I was advised that my credit had dropped markedly. I later found out that chase who also took my payment and pooled it to XXXX a new provider, did report me late. In fact they reported me late for thirty, sixty and ninety days. 

I contacted Chase and they advised me that because I was late in XXXX they would not help me at all with a payment plan for the three months of the Covid 19 phase. I contacted their executive offices and they are not helping at all. 

When I checked my XXXX  report they conveniently haven't even reported beyond XXXX. I also contacted the XXXX XXXX entitiy Balance, and they advised that although Chase may have been correct in reporting me 30 days late, they should have paused it there when I requested the forbearance being granted. 

I am now in serious need of obtaining a loan for my car and due to these aggressive actions on the part of Chase. I am finding it difficult to appropriately address my family needs and health. 

Any assistance would be greatly appreciated. My name is XXXX XXXX and my contact telephone number is XXXX.
Product: Vehicle loan or lease

Hello my name is Mr. XXXX XXXX and I have a complaint with the financial company Bridgecrest Acceptance Corporation account noXXXX, this is my auto finance company. The problem I'm experiencing with this company is their relentless tactics on refusing to comply with an attempt to negotiate a fair goodwill attempt to have them remove late payments on my account with them from a prior year, 2018 to be exact. I was an excellent paying consumer for about a year or so until an unfortunate circumstance where I had been scammed and filed police reposts, but going through this period caused several unfortunate late payments and they were made aware of this and even spoke highly of my prior payment history before and after this time period. To this day I am still making great payments to them however their reluctance to help me is causing harm to my credit bureau reports and scores. 

I may be contacted if needed at XXXX XXXX XXXX XXXX
Product: Checking or savings account

I initiated a transfer from my Marcus high yield savings to my XXXX  checking account on XX/XX/year>. 

On XX/XX/year>, I could tell someone from Marcus entered my account and reversed the transaction. 

This happened on a previous occasion as well but since the funds went through, they held my account hostage and locked me out until I returned the money. Now, they wont let me transfer my money and close my account. 

Ive spoken to XXXX different people across multiple days, and they refuse to allow me to access my money.
Product: Money transfer, virtual currency, or money service

XXXX the trading platform for Virtual Currency owned by Coinbase is a scam. If you look at the candlestick graph for each individual coin you will see they follow the exact same path. This is because Coinbase is allowing " price fixing '' by a robot across all of their virtual currencies or running the " price fixing '' bot themselves. I have complained several times and it is quite obvious it is being done. In a fair and balanced market there is no way all the stocks will follow the same trading pattern on the same exchange. It 's a scam and needs to be addressed.
Product: Credit reporting or other personal consumer reports

I find it hard to come to terms with the issue. I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing.
Product: Checking or savings account

Monies was XXXX to the incorrect person. I reached out to the to Chase, but they didn't place the monies back into my account.
Product: Checking or savings account

This complaint concerns HSBC.

A promotional offer by HSBC was made inXX/XX/2018, Open an HSBC Premier Checking account and deposit {$100000.00}, within a 30 day period of opening the account and leave the {$100000.00}, in that account for a period of 90 days and then HSBC would pay a {$750.00}, bonus within a 8 week period. 

I opened a Premier Checking Account on XX/XX/2018, with a small deposit of {$10.00}, on XX/XX/2018, I deposited an additional {$100000.00}, in this account and the amount of {$100000.00}, plus a small amount of interest remained in this account until XX/XX/2018, when I withdrew {$100000.00}, well beyond the required 90 day period to qualify to receive the {$750.00} bonus, as of today, that is well beyond the 8 week period of time that HSBC said that the {$750.00}, bonus would be paid to me, I have not received the {$750.00}, bonus and I have invested more than 8 hours of my time on the HSBC chat room, emailing to my HSBC personal banker, and telephone conversations trying to resolve this matter, all I have been offered by HSBC is excuses and emails that said I did qualify for the {$750.00} bonus but they have only offered the excuses of it's a computer systems problem, to they don't know why and that the {$750.00} bonus would be deposited in my account no later than XX/XX/2018, as I said I have not received the {$750.00} bonus as of today, I have all of the direct emails, and the emails from the HSBC chat room are in my posession, the recorded telephone conversations with HSBC are stored on the HSBC recorded telephone conversation system database, I am willing to give these to any person that is qualified and authorised to see or hear them, and I have all of the names of all of the HSBC employees that I have been in communication with in an attempt to resolve this matter, I was contacted 12 days ago by a senior HSBC employee, XXXX XXXX, by email and she offered to discuss the situation with me if I desired that, I have contacted her numerous times by telephone and email and left voicemails and emails to talk to her but she has never contacted me back at all, other than the 1 email she sent to me 12 days ago, I went through a lot of aggravation and effort to scrape together the {$100000.00} so that I would be able to obtain the {$750.00} bonus offer and the people I received this money from have lost faith in me.
Product: Mortgage

Currently we are behind XXXX and XXXX on our mortgage. On Tuesday XXXX XXXX someone was pounding on my door at XXXX in the morning. I jumped up ran downstairs and there was a car speeding off. It was a vendor wells Fargo hires they put papers on your door and take pictures of your housr. They placed an incomplete paper on my door and woke my whole family up on a day my XXXX year old was having XXXX
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the credit federal act my rights have been violated by these companies i know my right under the 15 u.s.c. law ... # XXXX XXXX XXXX XXXX is still reporting my credit after its been closed out and charged off for over a year i tried before to have this matter solve.. # XXXX XXXX XXXX is reporting false information to collect money.. # XXXX collection account id reporting false collection on my credit report # XXXX is reporting late payments that was already discussed