23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XXXX XXXX 2020 my wife and I completed an application for a home equity line of credit ( HELOC ) with Wells Fargo. We have had a mortgage with Wells Fargo for more than 10 years, refinanced with Wells Fargo 5 years ago, and applied for a HELOC to construct a planned accessory dwelling and garage. 

Starting on XXXX XX/XX/2020 we began receiving requests, some for information that we had already provided. In response we provided digital copies of requested tax release forms on XXXX XX/XX/2020. On the same date ( XXXX XXXX ) we reiterated that all income for a home based business is listed on our tax returns and that our home is a legal 2-family with a 4br/2.5ba, 2500sf main home on two levels plus a XXXX 1br/1ba basement apartment with separate utilities and income from the rental unit is included in our income tax returns. 

A few weeks later we received a congratulations letter that our loan had been approved pending a strange request that we confirm that my wife does not have an alias ( she does not ). We responded and provided confirmation on XXXX XX/XX/2020 and on XXXX XX/XX/2020 we received a confirmation email stating, " Your loan has been approved. '' A month later, and after hiring a builder, we received a letter by XXXX dated XXXX XX/XX/2020 denying the approved loan for the reason of " Covid-19. '' We responded on XXXX XX/XX/2020 demanding immediate action. Shortly after, we received a second, nearly identical letter dated XXXX XX/XX/2020 claiming that the HELOC was declined because they don't offer HELOCs. 

In subsequent emails we have been given two additional reasons why the loan was denied. The third reason given is that Wells Fargo did not know that the 2-family home they have had been the lien holder on for a decade was a 2-family home. That has been proven to be a lie. Finally, representatives have stated ( on record ) that Wells Fargo is severely restricting homeowner access to equity. To that end, my wife and I have perfect credit ( +800 ), have never missed a mortgage payment with Wells Fargo, currently have over 70 % equity in our home, and the HELOC is 20 % of the home value. Since our last refinance our income has more than doubled to the point that our current monthly payment is less than 10 % of our adjusted gross income ( AGI ). Even with the entire HELOC, our monthly payment will be under 20 % ( AGI ). As a result, we do not believe this to be the reason either. 

Ultimately, Wells Fargo representatives have insisted that it was a mistake and asked for time to fix their mistake. However, after asking on XXXX XX/XX/2020 to have until XXXX XX/XX/2020 to resolve the issue, we received a message on XXXX XX/XX/2020 extending the deadline to XXXX XX/XX/2020. Then on XXXX XX/XX/2020 we received another message extending the deadline for ( more than ) another 2 weeks. At that point it became clear that Wells Fargo is just stalling and so we are filing this complaint.
Product: Checking or savings account

Wells Fargo continues to engage in unfair and illegal banking practices against their customers and small businesses. They continue to place holds on funds and overdraw your account against the funds they placed on hold and charge you a { {$35.00} } overdraft fee. Then they claim your paper deposit checks are placed on hold and only allow certain amounts of the funds to be available sometimes XXXX hours or as long as 10 days. It's a harmful cycle to consumers that they continue because they make money on the overdraft. When it comes down to deposits and credits versus debits on ATM withdrawals and debit card purchases. They will take the debits out first to purposefully overdraw your account and charge you fees. Or they will take the largest debit first so they can hit you with multiple overdraft fees on all of your smaller debits. Have the transactions pending for days before they clear so the balance of account was never accurate When you know more funds where in the account This is an illegal practice that Wells Fargo has been doing for years and get caught and called out they just end up paying fines and it continues. I have been a customer with them for 4 years both personal and business and if I were to add everything up over the period they would likely owe me thousands of dollars in money they stole from myself and my business. Wells Fargo deserves more than being able to get a slap on wrist pay a fine and act like this never keeps occurring Someone should go to jail.
Product: Credit reporting or other personal consumer reports

This letter is to inform your company that I want to dispute the following items below on my credit profile. Did you see that Experian was sued by the CFPB? 

Below I have a few items that are inaccurate By law I am allowed to dispute anything that I feel is erroneous and not 100 % accurate. 

Experian was sued for unlawfully failing to properly investigate consumer disputes. The CFPB alleges that Experian does not take sufficient steps to intake, process, investigate, and notify consumers about consumer disputes, resulting in the inclusion of incorrect information on credit reports. Inaccurate or false information on consumer reports can threaten consumers this can easily be your company. 

Please investigate these accounts and I wish the outcome to be removed from my credit file and not placed back due to inaccurate reporting.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under USC 1681. Section 602 states I have the right to privacy and Section 604a prohibits furnishing an account without my written instructions. Under 15 USCS 1666b, a creditor may not treat a payment as late for any purpose. Please immediately remove this inaccurate, unlawful late payment from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the 3 credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1700.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX
Product: Credit reporting

I wrote Experian in XXXX XXXX. It is now XXXX and have received no response! I have specific issues with what they are reported and requested they investigate. They are in violation of Federal law.
Product: Credit card or prepaid card

On XX/XX/2022 I, the consumer and natural person, was denied credit by American Express when I applied for a PLATINUM CARD through XXXX, American Express sent me and Adverse Action Letter denying an extension to my credit. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. American Express is in violation of 15 U.S Code 1642. U.S.C 1681m and 12 cfr 1002 because I, the consumer, made an application in good faith, but credit was not issued.
Product: Debt collection

Full Name : XXXX XXXX Full Mailing XXXXXXXX XXXX XXXX XXXX Name of Company : WESTLAKE FINACIAL SVC Fraud Department of Billing Inquiries Address XXXX XXXX XXXX XXXX CA XXXX City, State, Zip Code RE : XXXX Dear Sir or Madam : I am writing to dispute a fraudulent charge on my account in the amount of {$12000.00}, posted on XX/XX/year>. I ask that you remove the fraudulent charge and any related finance charges from my account. 
Please send me an updated and accurate statement and close the account. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies ( CRCs ) to which you provided it. 

Also enclosed is a copy of the Notice to Furnishers of Information issued by the Federal Trade Commission, which details your responsibilities under the Fair Credit Reporting Act as an information furnisher to CRCs. 
Please investigate this matter and send me a written explanation of your findings and actions. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX
Product: Credit card

I was charged {$110.00} by XXXX XXXX for lessons that I have not taken. I contacted XXXX XXXX several times asking for my money back. 

I issued an investigation by Discover which was used to purchase the guitar lessons that I did not receive. Discover would not credit me the money back. 

Here are the details : XXXX XXXX XXXX XXXX, CA XXXX Call us XXXX Additional Information Transaction Details Merchant Category MUSIC STORES- INSTRUMENTS, PIANOS, MUSIC Transaction Date WED, XX/XX/year> Purchase Method MANUALLY KEYED Post Date WED, XX/XX/year> Recurring Billing Indicator Y Phone Number XXXX Point Of Sale Zip Code XXXX Store Number XXXX Cash Back Earned {$1.00}
Product: Credit reporting or other personal consumer reports

To : Consumer Financial Protection Bureau ( CFPB ) From : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, Nv XXXX Email : XXXX Phone : XXXX Date : XX/XX/year>2024 Complaint Summary : I am filing a complaint against Equifax due to its failure to meet Fair Credit Reporting Act ( FCRA ) standards in handling my credit dispute. On XX/XX/year>2024, I sent a certified, handwritten dispute letter to Equifax requesting an investigation and deletion of inaccurate information reported by multiple creditors. Despite this formal complaint, Equifax has continued reporting unverifiable, misleading, and damaging information on my credit report, violating FCRA standards and causing harm to my credit profile. 

Specific Issues and FCRA Violations : Failure to Conduct an Adequate Investigation ( 15 U.S.C. 1681i ( a ) ) : Equifax is legally required to conduct a comprehensive investigation upon receiving a consumer dispute. Despite my certified dispute, Equifax has failed to thoroughly investigate each account or require sufficient verification from creditors, violating FCRAs accuracy and completeness standards.

Failure to Delete Unverifiable Information ( 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ) : Equifax is required to delete or correct information that can not be verified. Instead, Equifax verified these accounts without obtaining full, legally acceptable documentation from each creditor. This continued reporting violates the FCRA, as each furnisher failed to adequately substantiate the information provided. 

Detailed FCRA Violations by Each Creditor : XXXX XXXX : This creditor inaccurately reports a past-due balance on a charged-off account, which misleadingly implies a current delinquency. This reporting contravenes 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), requiring creditors to report only accurate and truthful information. 

XXXX : XXXX has not provided adequate verification for the reported past-due balance. The lack of documentation violates 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), which mandates deletion of unverifiable data. 

XXXX : This account includes a comment stating paid from collateral, misrepresenting the accounts true status. This inaccurate reporting fails to meet FCRAs accuracy standards under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ). 

XXXX XXXX XXXX  : XXXX XXXX XXXX has misreported a closed, charged-off account as if it were a recurring monthly charge-off, misleadingly suggesting ongoing delinquency. This practice violates 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) by failing to provide accurate account status and misleadingly affecting my credit score. 

Inadequate Method of Verification ( MOV ) : Equifax and these creditors have failed to provide an adequate Method of Verification ( MOV ) in response to my dispute. Each creditors response included partial or incomplete records that do not meet FCRA standards. Under 15 U.S.C. 1681i ( a ), Equifax is required to delete unverifiable information, yet continues to report these accounts without acceptable verification.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had multiple accounts opened in my name when I was XXXX. I have provided proof to the creditors and they have refused to respond. I will provide proof that I was XXXX  from XX/XX/XXXX until XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

I have an account with coinbase.due to some technical chargeback issues.I have been locked out of my account since XX/XX/2018.I talked to them o phone a dozen time.but they just say they have escalated my issue.which usually take 4-6 business day or little longer.buf its been 20 days almost.still no one has a clue.i no longer wan na be with this coinbase and want to withdraw all my fund and close the account but they dont even let me do that .says once resolved then only I can access my account to withdraw.but they gon na take few days few weeks few months or a year or forever.loosing my mind.feels like biggest mistake of my life to be in crypto in coinbase
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 13th endeavor 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, GA XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The credit bureaus reported back to after my initial complaint back in XX/XX/2023 that my account was properly investigated and reported accurate, which is impossible because as of my most recent credit report XXXX XXXX account # XXXX The Amount that I owe is report inaccurately The Date opened are all reported inaccurately by XXXX XXXX Experian XXXX & XXXX XXXX 
The No. of months ( terms ) are reported inaccurately by XXXX, Experian, & XXXX. 
The High Credit is reported inaccurately by XXXX, Experian, & XXXX. 
The Last reported is reported inaccurately by XXXX, Experian, & XXXX. 
The Date last active is reported inaccurately by XXXX, Experian, & XXXX. 
The Date of last payment is reported inaccurately by XXXX, Experian, & XXXX. 
XXXX reported OK on time payments from XXXXXXXX XXXXXXXX XXXX  but Experian reported XXXX XXXX XXXX  for Charge-off from XXXX XXXX XXXX. 

I reported this to XXXX, XXXX, and Experian in XXXX of XXXX about the violation of 15 U.S.C 1681 section 602 ( A ), 15 U.S.C 1681 Section 604 ( A ) Section 2.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies : ( E ) if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( 1 ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly ( ii ) delete that item of information. 

Ive already contacted XXXX XXXX multiple times and they told me to contact the credit bureau as it is the credit bureau that has violated my rights as a consumer, these inaccurate reports did nothing but hurt me financially with my credit score and the business I have going on, I tried to rectify the issue over 90 days ago to have the information corrected and nothing was corrected but my address and a few other miscellaneous things on the report but nothing from this XXXX issue and over 90 days is unacceptable this is grounds for a lawsuit against the credit bureau Im making last effort to request the credit bureau now remove the account associated with my name as I have contacted to XXXX company and they said if the account is going to be removed it has to be done by the credit bureau because my credit report accuracy issue is with the credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company XXXX XXXX tried to collect a debt that i never owed with then and the last report was on XX/XX/XXXX  for a debt that was never owed with an inaccurate amount of XXXX $ and bought from another company. When I never signed any documents this debt collector that must be removed as soon as possible. In Accordance with the Fair Credit Reporting act XXXX  the Account from XXXX XXXX, the account number is XXXX and XXXX XXXX has violated my rights. 15 U.S.C section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was paid in full XX/XX/2019. Yet it was reported to Equifax as an unpaid account after XX/XX/2019.
Product: Mortgage

I am a homeowner in N.J. and eventually had my mortgage sold to Greentree Mortgage. Almost from the start I had problems. My monthly payment went up so much that I started to, and continue to struggle. When I would ask why it went up considering neither my taxes or INS went up, I was told a different answer from each person I spoke with until the last person I asked told me that I have a " floating escrow '' and so sometimes they will make my payment higher to satisfy this ; mind you, I have always had a fixed rate. I asked how they could do that and they said Every company does this. Well I asked a friend in the business and she said there 's no such thing. I was continuously harrased by very rude, harsh, and sometimes mortifying phonecalls that actually brought me to cry if my payment want made by the first. I have never ever been late on a payment yet they have in their records that I was once and told me it was on my credit report. I was also charges every month for years a {$12.00} convenience fee for my payments and was told unless I mailed my payment in I had no other options ; that want feasible due to me nit always having enough until the end of the month. I tried to leave them several times but was unsuccessful. I looked on the internet and constantly found similar complaints about this company and today I came across some sort of settlement from a lawsuit but it was from 2015. Recently they were supposedly bought by a new company called Ditch but I believe it is still Greentree, just under a new name. I need to get out of this company but do not know how and I believe they have stolen money from me for years but I do not know where to turn. I am desperate and need help so if there is anywhere you can direct me to start I would be extremely greatful. Thank you so much!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to report a collection account on my credit that does not belong to me. The account is missing the name of the collection agency, and Equifax refuses to remove the account even though it's not reporting accurately.
Product: Mortgage

We submitted a refinance application to Flagstar bank in late XXXX XXXX. After XXXX XXXX months of being in process, we were told a separate flood insurance was required on our semi-detached garage AKA outbuilding, because our current flood insurance was not inclusive of this building, even though that policy does clearly say inclusive of outbuilding. We conceded but were barred from upping the coverage on this existing flood policy, " it has to be a totally, separate policy. After XXXX policy was submitted, we were then told that the debris & sandbag must be in a separate rider??? After several modifications trying to satisfy their ongoing demands, Flagstar 's representative XXXX XXXX stepped in and dealt directly with the flood insurance company. We finally were allowed to close but for closing we received XXXX different closing docs all with different escrow amounts, receiving the final amount stating an overage in escrow of XXXX on the day of closing XXXX, XXXX. 
In XX/XX/XXXX we received a letter from Flagstar stating that a flood insurance policy of {$250000.00} was required on the semi-detached garage AKA outbuilding? We immediately contacted XXXX XXXX ( Flagstar 's representative ), And sent us an email confirming that this XX/XX/XXXX letter was sent in error and this refinance is CLOSED and resolved internally? We have now learned that a forced flood insurance, effective, we guess in XXXX XXXX, was placed on our property making us then have XXXX flood insurance policies. 
That we have a {$2100.00} shortage and that even though we complied with every demand this mortgage company issued we still got harmed and have no trust / security. 
And we feel that we are being discriminated against because of ethnicity and age.
Product: Debt collection

They have called me twice leaving two different voicemails from two different numbers : XXXX and XXXX. Once was at XXXX on XX/XX/21 and the other at XXXX on XX/XX/21. They state that they are a credit control corporation claiming to be a debt collector for a debt. I have called them back and ask them about their own company, asking what is the name of the collection company, their company address and a phone number, but they refuse to give me any information without me giving them my full name which I refuse to do until given more information. All my debts that I have are being paid monthly which I can see online for every company I have taken a loan with, my credit card, etc therefore there should be no debt needing to be collected.
Product: Credit reporting or other personal consumer reports

I was completely blindsided when I saw inaccurate accounts on my credit report today. I check my credit report regularly, but this time there were some discrepancies that came out of nowhere. I tried refreshing the page, hoping it was just a mistake, but nothing changed. The inaccurate accounts stayed. I am asking for a detailed review of the documents I've provided so that I can finally have peace of mind and never deal with this again.
Product: Credit reporting or other personal consumer reports

I have not visited their store nor signed anything but they keep putting stuff on my credit which is making my debt increase and my credit score drop. I would love to see documents with my signature because I know for a fact that I didn't sign any contracts agreeing to credit checks.