23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Loan #   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   belonge d to a propriety that I used to own, but was sold in  XXXX . The mortgage was completely paid off in the sale however at some point   Wells Fargo noted it on my credit history as a Bankruptcy. When I first attempted to resolve this matter I was told another customers bankruptcy had been mistakenly attached to my loan. I was told this matter would be corrected. I never have filed for bankruptcy and a letter acknowledging this mistake needs to be sent to me and all credit reporting agencies. This matter has caused me to not be approved for other loans and caused me financial hardship relative to my current loan.
I have been attempting to resolve this matter for over 2 yrs. and have constantly been given the run around, with some of the Wells Fargo responses being : - the bankruptcy belonged to someone else - the loan can not be found - the loan is no longer in our system - some of the old loan numbers may have changed after the Wachovia acquisition - you ( me ) didnt send in the correct loan number - old records may have been purged from our system - the records are sitting in archives - Its a manual process - were looking into it Finally when I did receive a letter that I thought was a resolution to this matter the Wells Fargo represent  ative  XXXX   XXXX   ( Executive Resolution Specialist ) ref erenced the WRONG loan number. When I spoke with  XXXX  the excuse he gave me for this matter not being resolved was that he recently took over my case which is a lie because I have a letter from  XXXX   XXXX ,  XXXX  in which  XXXX  referenced the wrong loan number. Afterwards he kept trying to blame me for not submitting the correct loan number claiming that is the reason he has not been able to resolve the matter y et. 2  weeks ago I physically went into a  Wells Fargo Branch (   XXXX   XXXX   XXXX   XXXX ,  XXXX , TX  )  where I spoke with  XXXX   XXXX  and gave him the exact loan number in question. ENOUGH WTH TRYING TO BLAME THE CUSTOMER F OR WELLS FARGOS LAZINESS, LACK OF ACCOUNTABILITY AND UNPROFESSIONALISM. THIS IS RIDICULOUS!! But it seems to be just another case of systematic unethical practices by Wells Fargo
Product: Money transfer, virtual currency, or money service

Ticket # XXXX. On XX/XX/XXXX I deposited XXXX XXXX ( Worth roughly XXXX USD currently ) from my Trust Wallet into my Binance US exchange wallet without a memo. I have contacted support and they sent my information to the finance team claiming they would have the deposit processed by the start of the week. That would've been on XX/XX/XXXX, it is currently XX/XX/XXXX and I still haven't been credited my missing deposit by the binance.us finance team. 

The previous cfpb compliant I opened you closed saying the issue was in the process of being fixed, its been over a week and it hasn't been fixed so I'm filing another compliant in the hopes you'll help a customer who has been with binance since early XXXX and has recommended it to many friends and family irl who have invested as well. 

I plan to continue using binance.us and understand you're dealing with a high volume of tickets, but this is my life savings and I need it to survive in the real world. It sucks I ruined my life with one quick mistake. I'm truly starting to lose hope I'll ever see my money again and have started contemplating suicide some days it hurts so much. 

Ticket is # XXXX and can't wait to cry tears of joy when you come through and help me. 

Side note : ( Email is XXXX. I'm truly willing to work for the support team to help as many people as I can fix their problems. I understand the anguish people are going through and want to help. ) Ticket # XXXX
Product: Debt collection

XXXX XXXX XXXX Told me they close my account out XX/XX/2018 and reported To the credit bureau that the account was closed paid and delete it still shows balance of XXXX And still reporting late damaging my credit score Called and spoke with the Vice President of the company he told me I owed XXXX and settled the account for less than and personally takes care of reporting to the credit bureau and he did so And he has paying customers to get to and hung up
Product: Checking or savings account

Capital one after many claims still has not sent me my money that belongs to me, they did a closeout check for XXXX cents when my account has XXXX XXXX dollars in the account. I don't see why you guys are saying there fraud when the check is in my name and was deposited to my account. Funds were accepted and then redeposited because the remitting bank wasn't allowed to get back the funds because it was outside capital ones allowable time frame. Now you guys here at Capital One are trying to keep my thousands of dollars and leave me on end with no answers and no info, here are the pictures that show u how much I had and the closeout amount of XXXX as well as my savings which were XXXX cents. I have yet to receive my check for the other amount of XXXX, I'm making a claim today to see if capital one can give me answers and when will I receive my check it's been months and months and nothing has came. Please respond accordingly I need my money capital one can bear a lost like this, but I can't, I need my money sent to me. Thank you again and hope to hear from you soon. My savings account says closeout by check and the checking just says closeout. Where's my check?
Product: Mortgage

Applied to XXXX XXXX for loan modification, received approval on XX/XX/XXXX for a  Streamline Modification. On the same documents assigned a relationship manager XXXX XXXX XXXX. I set up a phone call appointment on XX/XX/XXXX for XXXX to call me at XXXX XXXX.. Called multiple times confirming the approval and was told if our family just made the 3 payments listed we would get the modification. Tried to reach XXXX XXXX XXXX but no luck. Spoke to several relationship managers assuring me we were good. Our family is under a chapter XXXX bankruptcy and spoke to our attorney on XX/XX/XXXX to end the bankruptcy. The following Monday, I received more documents stating Sorry, this has been denied on XX/XX/XXXX. I called, spoke to a XXXX who said Ocwen made a mistake. A mistake. We are devastated. Immediately reached our attorney again and said do not submit the court papers. We will stay with the Chapter XXXX because I trust the courts more than XXXX XXXX. As soon as it is discharged I can not find another Mortgage company fast enough to refinance. I have submitted said documents.
Product: Mortgage

The loan originator shared my confidential data, including the value of my investment accounts, to my realtor who is an external party that referred me to this loan originator. Consent was not provided to share my financial information outside the mortgage company.
Product: Mortgage

I paid my mortgage later than the due date but within the time period of 30 days so there no way that it should impact my credit report. I made the payment of {$1400.00} on XX/XX/2024 that was required via the companys payment portal on their website. As a customer I can not change or pay a different amount that what is required or it will not go through, so I paid the amount invoiced and called and spoke with an associate and she said it was fine and on time. Instead the company added the late fees without my knowledge and tried to ACH that amount and from my savings instead of my checking account and this cause an overdraft charge and my account was reported late to the credit bureaus and my score has dropped XXXX points.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I obtained report # XXXX from Experian and noticed an fraud alert was placed on my account without my knowledge and consent. Experian made it impossible for the consumer to reach out by way of telephone for the consumer to ask immediate removal for fraud alert. 

Therefore, I want to file a formal complaint against Experian for discrimination against Seniors with XXXX that are unable to use the postal service to dispute inaccurate information contain in the consumer report and their refusal to remove a fraud alert that prevent consumer from obtaining emergency medical equipment. 

Experian placed an fraud alert on my credit report without my knowledge or consent and refused to remove fraud alert from my report. Experian refused to tell the consumer who placed the fraud alert on the consumer report, when the alert was place and for what reason. Experian had the consumser call several times each time more than a hour wait to get aholdof a representative only to be transferred to XXXX XXXX. After I reached Experian and explained I had to apply for credit to obtain XXXX   equipment and I need the alert removed immediately the Experian representative refsued and hung up the telephone several times forcing the consumer to repeat the process.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter to the credit bureaus regarding several inaccuracies that was on my credit report. This maybe due to my information being compromised in the Equifax Data Breach.I have asked for a resolution and have yet to receive a response. It has been more than 60 days. I feel as if my concerns are being ignored by these bureaus. I understand that in Section 611 ( a ) states, failure to investigate these items within 30 days give reason to immediately remove the items from my credit report. It has been 60 days and no response. I demand these accounts be removed immediately or I will file for litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This XXXX XXXX XXXX is out of control. I made a complaint to XXXX that XXXX XXXX XXXX requested hard inquiries instead of soft inquiries when I applied for a loan with XXXX XXXX. I was instructed by XXXX XXXX XXXX to contact them directly, as they were a part of XXXX. I complied. 

This crazy company twice sent me an unauthorized credit report with all the applications for credit and loans I have received in my lifetime. The second one stated that inquiries had been deleted, but do not give a breakdown of what was deleted. This company is unethical and nuts, to say the least. 

STOP PULLING MY CREDIT APPLICATIONS AND LOANS I HAVE HAD THROUGHOUT MY LIFE. What is the purpose of this? All I requested is an adjustment to my credit report where hard pulls had been done with XXXX XXXX. I  was told that these inquiries should be soft pulls.
Product: Credit reporting, credit repair services, or other personal consumer reports

BANK OF AMERICA continues to report my account as CHARGE OFF account was paid XXXX continues to report as account current and charge off
Product: Mortgage

I had a mortage with Wells Fargo in XX/XX/2020 I took 3 months relief not to pay and then I took another 3 months relief. Then I started paying a regular payment every month I called them .Wells Fargo up in XXXX stating that I wanted to do something about the those 6 months that I had missed and they gave some options I told since it was like {$7000.00} I would like to put it at the end of the loan. So we started a modification process but it was taking a long time. Then we got a letter stating they sold my sold my loan to XXXX it was in underwriters on XX/XX/XXXX it went to XXXX and when I called the underwriters they said you are no longer with us you have to call XXXX. It was the same time the payment was due and called and would not except no payment unless it was the {$7000.00}. Or call them back XX/XX/XXXX for a review. This is my complaint
Product: Credit reporting or other personal consumer reports

I request on experian online dispute many time and they never fully investigate and check before they report and all my info been breach into dark web and and they report many thing that incorrect and I formation not allow to damage my credit cause emotionally financial cause due to their reporting please delete all the report that should be excluded in my credit reporting By law voilate 15usc 1681 ( n ) 15usc 1681 ( b ) 15usc 1666 ( b ) 15usc 1637 ( a ) 15usc 1692 ( g ) 15usc 1692 ( c ) 15usc 1681 ( e ) 15usc 1681 ( i )
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, EQUIFAX AND XXXX, THE ACCOUNT BALANCE AND PAYMENT HISTORY IS BEING REPORTED INCORRECTLY. PLEASE TO CONDUCT A REINVESTIGATION ( XXXX ). PURSUANT TO THE FCRA I HAVE THE RIGHT TO DISPUTE ANY INCORRECT INFORMATION ON MY CONSUMER REPORT.
Product: Payday loan, title loan, or personal loan

I didn't receive anything from this company, they keep harassing me looking for someone at my number. I told them they had the wrong number and they still proceed to call and harass me. My next step will be police report and then court action.
Product: Credit reporting or other personal consumer reports

This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : 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  According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Payday loan, title loan, or personal loan

We are a family owned small buisiness. We have worked with Bank United since XXXX. We currently have a line of credit for $ XXXX and a term loan with a balance of $ XXXX. The original amout of the term loan was $ XXXX. 

On or about XXXX, we attempted to re-finance the loan and extent the line of credit. The local Bank manager helped us with the application and we provided all the paperwork requested by the Bank. The officer in charge of the final approval XXXX XXXX, disapproved the rquest. According to Mrs. XXXX, debt to income ration was too high. However, acording to the local Branch manager, our numbers were very close to their lending threshold. Subsequently, we began to make larger payments to all our current obligations and we were able to reduced the debt to $ XXXX less. In addition since XX/XX/XXXX, our business income as average XXXX a month. Our credit is excellent and we have never been late or missed any payments. Once again we approched Bank United with a debt consolidation request. This time with a new Branch manager XXXX XXXX and the same Bank Vice-President XXXX XXXX. Once again the request was rejected this time for lack of cash flow. I belived that we have been treated unfairly.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act - XXXX. XXXX Acct # XXXX XXXX Acct # XXXX XXXX. XXXX XXXX Acct # XXXX XXXX. XXXX Acct # XXXX XXXX. XXXX Acct # XXXX XXXX. XXXX Acct # XXXX Section A of 15 U.S.C. 1681 states that I have the right to privacy.

Section 2 of 15 U.S.C. Section 604 A stipulates that a consumer reporting agency can not provide an account without my written instructions.

15 U.S.C. 166b A creditor may not, for any reason, consider payment on a credit card account under an open-end consumer credit plan as late.
Product: Credit reporting, credit repair services, or other personal consumer reports

this is a notice of billing error to the company. 
the refernced account is an agreement not a contract and because of the lack of complete disclosure. i rescind the entire transaction.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against PROCOLLECT for reporting a debt on my credit report that was legally discharged in bankruptcy. This debt should not have been sold to a third party, as the original creditor was properly notified of my bankruptcy filing and discharge. 

Additionally, the balance reported by PROCOLLECT , INC does not match the balance I had with the original creditor. This account XXXX is reporting a balance of {$1800.00} which is not the balance that was discharged by far. Since this debt was discharged, it can not be verified, and any attempt to collect or report it is a violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I was also never sent any correspondence from this company, or the original creditor stating that the alleged debt was being sold to a third party. 

I am requesting the immediate removal of this account from my credit report to prevent further harm to my credit profile. Failure to do so may result in further action for violations of federal consumer protection laws. There is a true bill attached due to your violations of the FDCPA and payment is to be remitted to the address listed on the invoice.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against XXXX XXXX regarding their failure to comply with my opt-out request to stop reporting account information to non-affiliate third-party credit reporting agencies, namely Equifax, XXXX, and XXXX. 

On XX/XX/2024, I sent a written opt-out request to XXXX XXXX XXXX requesting that they cease reporting my account information to non-affiliate third-party credit reporting agencies. This opt-out request was sent in accordance with the Fair Credit Reporting Act ( FCRA ) and the regulations outlined by the Consumer Financial Protection Bureau ( CFPB ). 

Per FCRA regulations, XXXX XXXX was provided with a 30-day window to respond to my opt-out request. However, to date, I have not received any response from XXXX XXXX, nor have they taken any action to stop reporting my account information to the aforementioned credit reporting agencies. 

This failure to comply with my opt-out request has resulted in continued reporting of my account information to credit reporting agencies without my consent, which is in violation of my rights under the FCRA. 

I request investigation into this matter and take appropriate action against XXXX XXXX for their failure to comply with my opt-out request and for violating the provisions of the FCRA.
Product: Debt collection

XXXX XXXX with Midwest Service Bureau ( Collection Agency located in XXXX, KS ) has been harassing me for the last XXXX months regarding my medical bill that was sent to them by Kansas XXXX XXXX. He calls me multiple times a day at all hours and throughout the weekends as well. I had attempted to set up a payment plan with them and through what appears to have been a misunderstanding that I have attempted to resolve with him politely and professionally only to be verbally abused, threatened, and talked down upon in each of our conversations that have led to nothing. He uses highly inappropriate language often cursing throughout our conversations completely unnecessary and seems to think that it is okay to say that the entire situation is my fault because I had ignored my unpaid balance for so long that it must be taken care of immediately by actually setting a deadline for me of XXXX days to do whatever it takes including calling family members, friends, charitable organizations, co-workers, etc. to loan me the money that I owe HIM. He claims to work for Kansas XXXX XXXX by saying theyve hired him to collect the debt for them as if he himself is going to personally send the funds directly to them upon receipt. He also claims there have been multiple Representatives that have tried to work with me to no avail, yet I have only ever spoken to him and have never communicated with anyone else at the company. This medical expense originated from a diagnosis of an XXXX XXXXXXXX and emergency hospital stay that lasted over a week. I was unemployed at the time due to XXXX and upon my diagnosis, was unable to work full-time for 6 months. I am also currently going through a lengthy and costly divorce that started back in 2019 and has yet to be completed- this has brought even more financial hardship. I am just now able to start catching back up financially. XXXX XXXX behavior is unacceptable and I will be filing a police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I get my 3 credit reports delivered to me daily because ongoing fraud and theft that still persist on my SSDI money, the actual transfer from the Dept. of the Treasury and the Direct Express ( Comerica bank ) that administers the system is being hacked. Last summer a total of about {$6000.00} dollars was stolen. Besides this ALL Three credit bureaus have not increased my scores that range in the upper 590s an will never let them go above that amount al least to 600 so that I can get an FHA loan to buy a house. I am a first time, XXXX, elderly buyer and I deserve my own home rather than getting ripped off by 4 landlords since my accident by misrepresenting themselves as HUD-LITEK program properties. I am currently dealing with the OIG in Washington regarding the present landlord. That is only one slice of the pie. 

The problem is with the 3 credit bureaus and their writing in XX/XX/XXXX after getting a pre-approved mortgage from XXXX for {$170000.00}, 3 REAL credit cards that if I owed {$100.00} I paid {$140.00}, and even belter, then wack me for overutilization only because I was refilling my living space which I lost when all my things from underwear to kitchenware was auctioned off because I had a landlord in Rhode Island who just after my XXXX accident in XXXX me telling me to freeze my reports because of evidence of Fraud and theft and there was, but each one will NOT deal with me always claiming that they can not access my reports based upon the information I give them. Hoop after Hurdle after Hoop .... 
The total amount of unsecured debt is less than {$2000.00} and has been that way since I cleaned them up myself by calling each of the creditors and explained how my scores plungedged after a n accident in XXXX rendering me XXXX marked the debt satisfied but it was still on as derogatory., This has been over a year now that with {$2000.00} debt, my scores will noit go up. Mainly because I show no active loans, WHO IS GOING TO LOAN ME MONEY WITH THIOSE SCORES? I had one landlord that caused me to get evicted because he went from 30 % of my SSDI to Market value in ONE YEAR. I lost my XXXX XXXX, the credit cards were destroyed by me so I would not depend on them to live on ..I lost all that I built up all because of yet another landlord in Rhode Island who deceived me. Everything fell like pulling out the middle card in a house of cards ... I am absolutely helpless in this situation to fight back