23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage was recently sold from United Shore Financial Services , LLC DBA ( United Wholesale Mortgage ) to XXXX, XXXX. The sale was apparently sometime in XXXX as United Wholesale Mortgage stopped accepting payments as of XXXX/XXXX/16. All of this is fine, except they never notified me until after my XXXX/XXXX/16 payment was due. I have direct payments set-up and noticed my mortgage payment was n't taken out of my account on XXXX/XXXX/16. I looked on United Wholesale Mortgage 's website and found in the document center that I had XXXX page letter dated XXXX/XXXX/16 informing me of the transfer. I never received email correspondence of this or physical mail correspondence ( I did finally receive the note on XXXX/XXXX/16 notifying me of the sale ). 

I just received my account information as well as a bill for my XXXX/XXXX/16 mortgage payment yesterday ( XXXX/XXXX/16 ) from the new servicing company, XXXX XXXX XXXX, XXXX. My issue is the fact that I have a past due amount. I have never been late on a payment in my life and the fact that it will show up on my credit report as a delinquent payment is quite unsettling. The delinquent payment lies directly on the shoulders of the ineptitude of these XXXX companies. I have sent my payment today ( XXXX/XXXX/16 ) and it wo n't likely post for a few days.
Product: Mortgage

My mother has an XXXX. Her house was sold and her mortgage was paid off. Wells Fargo sent a refund check for an overage on her mortgage escrow account. The check was lost. We attempted to have them reissue the check, however they refuse to recognize the Power of Attorney on my mother 's account since it is over one year old. They require a POA dated within the past year, which is impossible due to my mother 's mental incapacity. In addition, by law POAs do not expire.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a auto loan through XXXX XXXX that I decided to set up auto pay for. When I added auto pay I was charged twice for the month and thus was a month ahead on my payments. Upon discovering this, I reached out to the bank via telephone. I requested that auto pay simply be turned off for the upcoming month so that the extra payment would be applied and then turned back on the next month. The customer support representative said this wouldn't be a problem. However, the following month it wasn't turned back on and a late payment occurred on my account. When the bank brought this to my attention I immediately paid the late month and the current month. I made mention of my last phone call and they said they don't offer this service and I would be held responsible for the late payment. I have tried speaking with other representatives, managers, and other senior bankers and nobody has been able to help me. I have always been a responsible lessee with XXXX XXXX and all other lenders. I don't believe my credit score should reflect the error of an improperly trained employee of XXXX XXXX. Any assistance with this matter would be greatly appreciated.
Product: Credit reporting or other personal consumer reports

I am writing this complaint to the CFPB in regard to a notice of dispute that I have for TRANSUNION. I want to make sure that action is taken, and a response is given regarding inaccurate accounts reported in my consumer disclosure report from TRANSUNION. I want the accounts reinvestigated, and I want any unverifiable information removed from my consumer report with TRANSUNION. I have heard from other consumers that consumer reporting agencies have a bad habit of ignoring letters and I am ensuring it reaches TRANSUNION.
Product: Credit reporting or other personal consumer reports

Please see attachments. 

XXXX XXXX  has been illegally reaging this account. 
There has been no agreements or communication with said party since last payment of XX/XX/XXXX for this account to be reporting activity, per the law. 

Bank raged the account XX/XX/XXXX as a missed payment for an entire year. 
Information is inaccurate and incomplete. Doesnt correlate with other CRAs, amounts are wrong, payment statuses wrong, account status wrong, date to come off is inaccurate etc California statute is 4 years, not 7. 

Late payments were marked as paid on consumer reports, but late in reality. 
XX/XX/XXXX it was 3 months past due, but not reporting XX/XX/XXXX is when it shouldve legally been charged off. 
Says closed on XXXX in XXXX, XXXX, XXXX say XXXX was the last payment. XXXX, XXXX another late payment on a closed account, thats reaging. 

XXXX through XX/XX/XXXX theres nothing ; all incomplete They also received a 1099A IRS form to write off the debt a letter was sent to XXXX regarding it and requesting to delete the account. 

The debt was also covered in the finance charge in the insurance premium. 
Its also being sold to debt collectors. Both collectors were unable to verify. 

All of this is all AFTER an alleged verified dispute. 


I will sue for fraud, negligence, and a plethora of consumer violations. 

Date of last payment XX/XX/XXXX XXXXXXXX XXXX STATEMENT ATTACHED CALIFORNIA XXXX SAYS FOUR YEARS, NOT SEVEN
Product: Debt collection

I sent a validation request to IL XXXX XXXX XXXX on XX/XX/2020 and never received a response. The original letter from IL XXXX XXXX XXXX letter states that the creditor is another debt collector named The Bureaus. Since the account was sold, The Bureaus should not be trying to collect from me, as well as should be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On several occasions I tried challenging some inaccuracies that has been reported on all three of my reports. XXXX, Equifax and XXXX hasnt removed any inaccuracies from my report even when proof was provided on my end. 

For instance, I have a bankruptcy being reported. Ive reached out via mail several times to the court that has reported the public record asking them to verify theyve mailed me back correspondence adding they were unable to verify the bankruptcy. Ive mailed a copy to each bureau and nothing has changed.
Product: Credit reporting or other personal consumer reports

I maintain that including inaccurately reported late payment remarks on my accounts violates 15 USC 1666. Each payment linked to these accounts has been submitted promptly, and any departure from this precise reporting is unfair and unlawful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please reverse the late payments reported on the following accounts : XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX and XXXX   XXXX XXXX  The accounts were never past due, I never made a late payment to this company ever please change this, I have a good relationship with these companies.
Product: Checking or savings account

XXXX They holded my bank account when I try withdraw cash. I call them, and that said I will recived call for next 24 hours, and it was not happening. Then I call them again, they said I will receive call by this week, and again I don't recived anything. 
Now is XXXX and I don't received any calls. I make all cash out from XXXX for this account. I pay loan for my car by this account, and now I don't have access to my money and can't pay loan
Product: Credit card or prepaid card

I have been a member of Wells Fargo bank for over 15 years. I have personal checking, savings, mortgage and when it came time to open my business I opened business checking and business credit card with them as well. After 5 years of having my business I decided to restructure it from sole proprietorship to an LLC with the same name. After registering with the state and updating my business licences I scheduled appointment with the banker at the local branch. They called and asked to bring the paperwork such as Certificate of formation and Tax Id. I brought all the paperwork and the banker copied them all and told me that all I needed is to close my old business checking account and open a new one under the company name, which I did. When I asked about business card he said I didn't need to worry as it can remain the same. After a week I received a letter from Wells Fargo requesting documentation about my company ( i.e. certification regarding beneficial owners of legal entity and new assumption agreement ) in order to change my business credit card. I again scheduled appointment with the banker and brought the paperwork to the branch office where I filled it out in front of the banker. He copied all the documents and told me that it will all be taken care of. After XXXX weeks my business card account was closed. I could not use my business credit card anymore. I again scheduled the appointment and spoke with the branch manager. She spent XXXX hour talking on the phone with someone, then she made me fill out the same paperwork that I already did XXXX weeks ago and said that this time all is taken care of. After another week I again received the same letter requesting same information I already submitted twice. I filled it out and then faxed it and mailed it. I waited for another week and when nothing happened I tried to call the number provided in the letter. The lady on the phone said that my account was closed because I didn't submit the paperwork in time. She said that the paperwork that I filled out previously is invalid since I didn't indicate the country ( XXXX ) in my address line. 
It feels like the company doesn't want me to be their customer and trying to find a way to get rid of me.
Product: Credit reporting or other personal consumer reports

Complaint # XXXX this was resolved with Citizen Bank and all was credited back to my account. But because I did not pay monthly bills ( until this was resolved ) my fica score dropped to XXXX. Now I can not obtain a new credit card. 
I just paid the minimum due on my card for legitimate charges on XX/XX/year> I believe XXXX Bank issued very bad rating because I didnt pay on my account. 
I am an XXXX XXXX XXXX XXXX XXXX and they had fraud charges on my account totaling over {$1000.00} dollars. A balance of XXXX credit was still not issued to me until I contacted you on the above complaint number. Thanks to you it got resolved and they issued me the credit. However my credit is ruined and can you help me get it back to where it was I believe over XXXX fica score. 

I pay all my bills on time with the help of my sister, my power of attorney. I hope you can help me again by restoring my credit.
Product: Mortgage

Made payments to Mr Coopers mortgage They sent money back to bank. They sent me foreclosure start date letter. We can't get a hold of Mr coppers due to Cyber attacks on there website and phone call center.
Product: Debt collection

This company has refused to stop XXXX debits from the debit cards I have on file. 
I have written several " revocation of XXXX emails ''. 
I have requested that they close the account immediately. They will not honor any of my request. They also say I can not return the property in question to end this lease agreement.
Product: Credit reporting or other personal consumer reports

XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO 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 TO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

This complaint is about the disclosures and business practices of Care Credit. I was attempting to set up an account with them to provide their services to my patients. I discontinued that application when the company began checking my personal credit and wishing to have an inspection of my office facilities. 

First, it is not appropriate to investigate my personal credit, as our company is incorporated. This implies that I am signing a personal guarantee, and if that is true, that fact was not disclosed to me. 

Second, there is no justification for a bank to inspect our property. This was not disclosed in any of the documentation as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I decided to dispute numerous Items with the credit bureaus since I found multiple errors on my credit reports. The dispute was sent by certified mail to XXXX  ( XXXX ), XXXX ( XXXX ), and Equifax ( XXXX ). But by today XX/XX/XXXX The companies have still not responded, yet still reporting errors on my credit report.
Product: Bank account or service

Submitted a claim for disputed transaction charge from my debit card with Chase Bank due to an illegal charge from company XXXX for {$480.00} on XXXX XXXX, 2016. This ticket company XXXX has violated their charge policy regarding selling of ticket. The ticket price was {$800.00}, and since XXXX did not accept a " Credit-Card entry '' ticket for XXXX concert, this company charged my debit card {$480.00}, even though their policy clearly states that they can only charge XXXX % off the ticket price ( XXXX % off {$800.00} should be {$160.00}, instead of {$480.00} ). XXXX refused my dispute, and only provided refund of {$120.00} instead. Thus, I had to dispute the transaction directly with Chase Bank, but the claim was recently rejected on XXXX XXXX, 2016 and the temporary credit is now removed. I actually work for Legal Department at Chase Bank and reviews all the legal CFPB complaints on daily basis, the charge by XXXX was clearly illegal and violated their policy ( stated on their website ). Please provide your assistance in order to refute the rejected claim, so we can come to a resolution and return the charge back to my debit card account. Thank you in advance for your assistance.
Product: Debt collection

Called twice one right after another and then called again a few hours later on XX/XX/21 and called with a few hours on XX/XX/21.
Product: Checking or savings account

I opened a Chase checking and savings account on XX/XX/19 for a {$600.00} bonus. {$300.00} of the bonus was for making a direct deposit to the checking account. {$200.00} of the bonus was for maintaining a balance of {$200.00} in the savings account for 90 days. {$100.00} of the bonus was for doing both of these. 

I made a direct deposit to the checking and was awarded the {$300.00}. After receiving the bonus, Chase randomly closed the account without my consent. I maintained a balance of over {$15000.00} in my savings account for the 90 days and was awarded {$200.00}. I received {$500.00} of the {$600.00}, but the {$100.00} bonus for completing both requirements was declined because of my checking account being closed. I did not close the checking account. Chase closed the checking account. 

I called Chase and tried to work with them. The representative I talked with asked a supervisor to credit my savings account the {$100.00} because Chase was the one that closed my checking, but the request was declined. I think this is a shady business practice to close an account for a customer that was following requirements and doing nothing wrong, and also to decline the bonus later on. I'm not impressed with how this was handled by Chase.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns about Zelles handling of disputes, particularly in light of the recent CFPB lawsuit that revealed significant issues with the platform. Despite using Zelle frequently 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 CFPBs findings indicate that Zelle not only neglected to protect consumers but also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

I just went over my credit report and saw multiple inquiries from your company that I never gave permission for.
Product: Credit reporting

Current Case No : CFPB XXXX. Your agency contacted XXXX and XXXX ( phone XXXX ) responded by stopping the daily harassing phone calls and " approved the fraud claim ''. The unauthorized charges were reversed. However she states that she will continue to contact me by mail and bill me for " service fees ''. My credit score of XXXX dropped to XXXX when she reported the erroneous credit card charges to Equifax credit bureau as well as XXXX and XXXX. She is not willing to correct their mistakes. I contacted all of the credit bureaus as well as FCC. 
Equifax states that they can not change it without the cooperation of XXXX even though I sent them the apology letter and documentation of charges being reversed as theft. My bank ( XXXX ) alerted me to the credit report or I would have never known about the negative false report. Your help again would be appreciated. 

XXXX
Product: Debt collection

Allied Interstate placed a collection against me in someone else 's name, contacted the company only to be told they couldn't help unless I gave them my social security number. Called the company they supposedly represent and they have no record of me owing a debt
Product: Checking or savings account

I made a total of 5 phone calls to Ally Bank. Totally unresolved and calls can take hours. I have 2 CDs with Ally. I was successful on Call # 1 and received all of my accrued and paid interest on the 2 CD 's. The interest accrued but not paid on both cd 's required a 2nd call ( I made the mistake of having the interest paid annually. ) Call # 2 resulted in success on one of my CD 's and I was told to hold on until it was finished. Unfortunately, after being on the phone for an hour, my phone battery died. 3 calls later resulted in long times waiting for the resolution. I have to also state numerous messages sent to Ally resulted in no success. Those people can't even read. 

The last 4 numbers of my CD are XXXX. There is approximately {$880.00} of accrued interest but not yet paid sitting on it. I wanted this interest transferred to my XXXX ending in XXXX. 

Therefore, I am hoping that you can intercede and help me with Ally Bank. At times like this I wonder about their solvency if they won't give me my accrued interest as requested.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I filed a complaint with CFPB about Experian credit investigation practices. I have uploaded proof to you guys as well as Experian that the Debt was paid in full. On today XXXX XXXX, 2023 Experian has come back saying the company verified the debt and that I am still past due when I have provided Experian proof that the debt was paid and they still reporting inaccuracies on my report. Again I will provide proof here that the debt was paid in full on XX/XX/2023.
Product: Credit reporting or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. XXXX XXXX XXXX  XXXX XXXX XXXX and XXXX XXXX
Product: Mortgage

We had torn down our house and built it ground up. The construction was completed XX/XX/XXXX. I had a loan with XXXX XXXX for {$960000.00}, private lender loan with a loan expiry date of XX/XX/XXXX. I started the refinance process with loanDepot in XX/XX/XXXX. They were aware of my loan expiry date. On XX/XX/XXXX, I was told that we are approved and they scheduled an appraisal for XX/XX/XXXX. I was told that we would sign the papers on XX/XX/XXXX. My house was appraised at $ XXXX. I was doing a jumbo loan of $ XXXX - cash out refinance - as I had to pay off people I borrowed money from to get my XXXX sq ft house completed. On XX/XX/XXXX, they told me that they can not do the loan because my husband did not have a consistent 2 year income. I received the shock of my life when I heard this. I had given them every paperwork they needed. My husband is a licensed XXXX  XXXX and since he was busy building our house in XX/XX/XXXX, he did not work, he therefore did not have income in XX/XX/XXXX. Since my loan was expiring and I could only extend the loan if I applied for an extension 2 weeks prior to my loan expiration. I was charged a huge amount of fee on this and I am requesting that all fees be reimbursed to me by loanDepot immediately. I forwarded XXXX XXXX e-mail on fees to loanDepot requesting payment, but I never heard back from them on this. I would really appreciate if you could help get all fees paid to me for the 3 month extension I have them do, plus compensate me for everything they put me through, just to tell me in the end that they could not do the loan. XXXX XXXX 's fee is as follows : 3 month : Extension Fee 1 % of UPB ( unpaid principal balance ) Legal - {$500.00} BPO - {$95.00} Admin - {$25.00} I would be happy to provide any documentation you need on this. I hope due consideration is given to my request. 

Yours faithfully, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, XXXX SOC SEC # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian Dispute Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable.

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Prepaid card

I received an Amex Gift Card that Im supposed to be able to use at any location that accepts Amex. I tried using it on XXXX on Booking.com but it was declined. I tried using it on XXXX on XXXX and it was declined. Today, I tried using it on XXXX and it was also declined. When I check my gift card balance online, it states that there is {$300.00} available. Amex has stolen my money and theyre keeping it XXXX. I would like access to my funds please.