23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We started a refinance of our current course of construction loan with Loan Depot. We were told by their representative that they would only be charging us {$35.00} to run two reports and we would have to pay for an appraisal even though it was a Brand New Home. We wanted a VA loan but were told our house couldn't get one because they kept calling it a Condo which wasn't true as I had also contacted the VA and they also said we could get one but we were then told by Loan Depot we would have to hire a lawyer and have the description changed. The appraiser they used was unqualified to appraise the house in the community we are in so he ended up appraising it for between XXXX to XXXX under value. As if this wasn't bad enough my wife and I were Veterans. The mortgage company keep delaying and delaying even though we had a move in date on XX/XX/2019 on XX/XX/2019 my wife died in the XXXX XXXX XXXX Hospital due to incompetent treatment.  Loan Depot then immediately turned down the loan, as I was her primary care giver I feel we were penalized because of this, as if this wasn't bad enough a XXXX XXXX incurred charges with my HOA of {$100.00} without our express consent. The HOA invoiced Loan Depot the {$100.00} but Loan Depot refused to pay. To date I have called them several times and email them as well to include contacting the original agent we spoke with XXXX. We have been ignored every time. After 5 months the HOA is now billing me for the {$100.00}. It's bad enough having your wife of 27 year pass away   from incompetent VA employees but then to have Loan Depot run around incurring charges without any knowledge or authorization nor fully disclosing this fact is in my opinion nothing more than deceptive practices. I am hoping your agency can get us our money back.
Product: Money transfer, virtual currency, or money service

I went to a Bank Of America ATM inside the branch on XX/XX/2024 to withdraw {$750.00} from my XXXX XXXX so the full transaction had fees of {$3.00} fee for Bank of America {$2.00} fee for XXXX SO THE full Transaction was {$750.00} I heard the ATM shuffling money around but NO MONEY CAME OUT OF THE ATM SO I ran up to the teller and told her no money came out of the machine she informed me that I needed to contact my financial institution or if it was an ATM ERROR it would be credited back to my Account within 24 Hours
Product: Debt collection

My credit have been drastically affected by a debt that I am not responsible for. Received a letter XX/XX/XXXX stating I had a balance. In XX/XX/XXXX I notified them of a court order where I was only responsible for 50 percent of the kids medical bills and any bills occurred during marriage They still continued to contact me constantly. I was never notified of pending balance before collections. I requested validation and they sent another bill and failed to follow FDCPA laws I paid over half of the bill to XXXX which I was not responsible for while waiting validation. XX/XX/XXXX I received another collection bill addressed now to my ex husband who is responsible and I sent info on how o contact him for this bill he is responsible for. This is now unfair harassment, failure to follow court order, failure to follow FDCPA.
Product: Debt collection

I checked my credit report and saw a collections from national credit systems and didnt know what that was saying I lived in a apartment in Arizona and owed XXXX. I never lived in Arizona I have lived in XXXX and Wisconsin my whole life so I called to straighten things out there were getting aggressive telling me I did stay there and Im telling her like maam i have never moved that far before. Shes telling me they have proof I asked to see it and nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a mortgage with XXXX XXXX XXXX and filed bankruptcy XX/XX/XXXX and wanted to reaffirm my mortgage. They refused to sign the reaffirmation agreement after asking for an extension for them to sign the papers. A filed the papers with the court and was given a deficiency filing status under chapter XXXX and it was denied under chapter XXXX prior to converting. 

The mortgage showed as closed on my credit report and I was advised through legal assistance that I was no longer responsible for the loan. I attempted to get them to work with me but they refused demanding all the money, they transferred my loan to XXXX XXXX XXXX sometime in XX/XX/XXXX and they initially did not want to work with me either. 

I was able to supplement income and applied for a trial modification that was eventually approved and it became final in XX/XX/XXXX. 2 weeks ago I check my credit report and see that XXXX XXXX XXXX is still listed as closed on one credit report and has been removed from the other report. XXXX is now being listed as open mortgage account with current payments and 8 missed payments, after showing being closed.
Product: Credit card

I subscribed to a hyatt business card under XXXX XXXX XXXX XXXX XXXX with a {$190.00} annual fee having a card number. I cancelled the card today XXXX I was not advised upon opening the account that there was a time limit if you cancelled to request a refund of your annual fee. They indicated that because 41 days had elapsed since account opening there was no refund on the annual fee. That was not explained on any application or to me. Therefore, I am requesting a refund of the annual fee or at least a prorata refund.
Product: Credit reporting

Despite my four written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In the results of re-investigations, Experian stated in writing that they verified that these items are being reported correctly. Experian refused to address my request to identify who in their company verified the accuracy of these accounts or how they verified them. Experian is not willing or able to produce a document that proves the accounts in dispute belong to me and the information being reported is accurate. The failure to provide me with verifiable proof required from Experian to post the accounts listed below is evidence that it does not exist and therefore is proof that Experian can not properly verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( a ) of the FCRA, you are required to " promptly delete all information which can not be verified. '' Due to Experian 's continued willful disregard of the law, I am filing this complaint to get the following unverified accounts removed from my credit report file. 

1. XXXX XXXX XXXX ( remove unverified account ) 2. XXXX XXXX XXXX ( remove unverified account ) 3. XXXX ( remove unverified account ) 4. XXXX XXXX ( remove unverified account ) 5. XXXX XXXX XXXX ( remove unverified late payments XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX )
Product: Credit reporting or other personal consumer reports

charge off of XXXX on auto loan still on my credit report
Product: Debt collection

This debt started in late XXXX or XXXX when I was experiencing a severe health crisis from an at-the-time XXXX XXXX XXXX that made me unable to work. I did not work consistently enough to even look at my debt until this year, XXXX. No payments have EVER been made on this debt. Per XXXX XXXX XXXX XXXX is claiming that this debt started in XXXX of XXXX when at that time my credit score was under XXXX and I DID NOT qualify for this type of card. I was temporarily homeless and didn't even have a home address for it to be mailed to between XXXX and XXXX of XXXX. 

I disputed this through XXXX XXXX and never got a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has committed egregious violation in servicing our former account.  XXXX  refuses to take responsibility  for 3 fa iled attempts at modification. It is THEIR failure, we cooperated and met our obligations under agreements fully.      XXXX  refuses to report this modification period as required in regulation to all major credit bureaus/ reporting agencies.  XXXX  offers a lawyered and morally deficient explanation for not responding.  XXXX  refuses to respond any further than attached documents reflect.  XXXX  has done great harm to former clients. Clients have continually corresponded to  XXXX  for redress. These practices must cease.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am extremely frustrated I have had these accounts on my report I have dispute these inaccuracies with the credit bureaus as well I read somewhere that if you dispute something and its not verified within 30 days it has to be removed also there was false and misleading information and regards to these creditors trying obtain payments from me which is against the XXXXa please look into this matter
Product: Vehicle loan or lease

As the debtor I am asserting my rights to per my contract with Wells Fargo. I am asserting my right to rescind the transaction. Pursuant

to 15 USC 1635. Pursuant to 16 CFR 433.2 - Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER Wells Fargo used deceptive and misleading paperwork to conduct a consumer credit sale transaction. Pursuant to 15 USC 1692 J. The vehicle was paid by the promissory note that is the negotiable instrument. This is in fact unfair practices and a violation of my rights. Pursuant to 15 USC 1692 F. This is violation of federal law. Wells Fargo blatantly violated my rights as a consumer by advertising down payments and installments. Pursuant to 15 usc 1662. Wells Fargo coerced me into making monthly payments.Violations of my consumer rights is violation of Regulation B as well as the Equal Credit Opportunity Act. 

Wells Fargo gave my private information to another organization which is unfair. My rights to privacy have been infringed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX XXXX XXXX/XXXX XXXX XXXX  ( Equifax : XXXX XXXX : XXXX ) XXXX XXXX XXXX XXXX/XXXX XXXX  ( XXXX : XXXX  XXXX : XXXX ) XXXX XXXX XXXX XXXX  ( Equifax : XXXX   XXXX  : XXXX XXXX : XXXX ) XXXX XXXX XXXX  ( XXXX  : XXXX ) XXXX XXXX XXXX   XXXX ( XXXX : XXXX  ) XXXX ( Equifax : XXXX   XXXX : XXXX XXXX : XXXX  ) XXXX XXXX XXXX XXXX ( XXXX XXXX ) XXXX ( Equifax : XXXX XXXX : XXXX XXXX : XXXX ) XXXX XXXX ( Equifax : XXXX ) XXXX XXXX XXXX XXXX ( XXXX : XXXX ) XXXX XXXX XXXX  ( Equifax : XXXX XXXX : XXXX XXXX : XXXX  ) XXXX XXXX XXXX ( Equifax : XXXX XXXX : XXXX XXXX :  XXXX ) XXXX XXXX XXXX ( Equifax : XXXX XXXX : XXXX XXXX : XXXX ) XXXX XXXX XXXX ( Equifax : XXXX   XXXX : XXXX XXXX XXXX XXXX XXXX XXXX ( Equifax : XXXX  XXXX : XXXX XXXX : XXXX  ) XXXX XXXX XXXX   ( Equifax : XXXX XXXX : XXXX XXXX : XXXX ) XXXX XXXX XXXX ( Equifax : XXXX XXXX : XXXX XXXX : XXXX ) XXXX XXXX XXXX ( Equifax : XXXX XXXX : XXXX ) XXXX XXXX XXXX  ( Equifax : XXXX XXXX : XXXX XXXX : XXXX ) XXXX XXXX ( Equifax : XXXX XXXX : XXXX   XXXX : XXXX )
Product: Checking or savings account

Caller spoofed Wells Fargo Customer Service number. They pretended to be wells fargo saying there was some unusual activity on my account and they wanted to confirm I approved the transfer of money to XXXX XXXX in texas. I said no and through a series of questions you would typically get through a bank, they said I needed to open a new account and gave me the new account number ( fake ). They said the supervisor would make sure the money was transferred to the account and could I wire the money over to him so he could assure deposit into my account.. Turns out all a scam and the money went to a XXXX account XXXX XXXX. Turns out when I called Wells Fargo they opened an investigation and determine this occurrence didn't meet their criteria for funds reimbursement and XXXX said the money was gone. I am not the only one falling for this scam per both the media and the XXXX XXXX agency.. My feeling is Wells Fargo failed to protect their clients by not notifying them of this particular scheme. This is a breach of trust. 
Wells Fargo claim number # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, Bankruptcy Account # XXXX, has violated my rights. 

15 U.S.C 1681 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a moneylion back at the end of XX/XX/XXXX. At first they stated I wouldn't have to pay the loan back until starting end of XX/XX/XXXX and on the app I downloaded it stated on there as well. I got a notification that instead it was a mistake and it was adjusted to start in XX/XX/XXXX or XX/XX/XXXX on the app. I didn't receive a letter in the mail. A few weeks go by and I see an alert on my credit report stating that I was behind in payments. Yet I NEVER got anything in the mail about when payments would be do. On XX/XX/XXXX I logged on to the app and paid a payment of {$120.00} which was deducted from my bank account on XX/XX/XXXX and a few months go by and it still says on my credit report that my account is past due. I log into the app and the payment still said It was pending. It was never updated to show the true balance. I had to email moneylion customer service and they stated it would be updated in the system but it still says pending. And it reports every month as late. If I never got a statement in the mail stating by when and how much is due by a certain date how is it fair that it reports late on my credit report? I never got any type of communication with this company about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX I have No knowledge of the account information and its inaccurate.I contacted them by phone and the representative hung up on me, once i stated I have no knowledge of account or whatever it is. 

STATE OF MI XXXX XXXX XXXX ACCOUNT ISNT PAST DUE AND IS PAID IN FULL. I contacted them. 

I have inquiries that were made on an auto loan that I never acknowledged nor did i approve of.
Product: Mortgage

PenFed mortgage is not reporting mortgage payments made to credit bureaus. It claims that they were in the process of converting to another platform and had technical issues. I have since been locked out of my online account access and have called several times to rectify. I am now in the process of a mortgage refinance and the payments made to Pended during their conversation period are not appearing on my credit reports. On my final and most recent call, I was told that the payments not appearing would be rectified. I have yet to see that effective on any of my credit reports. This has hindered my ability to seek credit and establish any new loans.
Product: Money transfer, virtual currency, or money service

An urgent issue regarding a XXXX payment of {$2000.00} made through my Chase Bank account. I attempted to send the payment to Receiver using the Chase mobile app, but I immediately received a notification stating that the payment did not go through. 

However, when I checked my bank balance the next day, I discovered that the {$2000.00} had been debited from my account approximately XXXX XXXX  after the failed transaction notification. I did not receive any further communication or authorization request regarding this charge. 

Upon realizing the unauthorized debit, I contacted the intended recipient, but they blocked me and refused to return the funds. I immediately reached out to Chase Bank for assistance, but I was referred to XXXX. When I contacted XXXX, they redirected me back to Chase. Frustrated, I sought help from local law enforcement, who advised me to deal with Chase Bank directly. After several back-and-forth communications between Chase and XXXX, I am still without my {$2000.00}, which is crucial for paying my tuition fees. 

This issue is highly urgent, and I request that Chase Bank review this claim and take immediate action to reverse the unauthorized debit or recover the funds. I have been a loyal customer of Chase Bank, and I believe this matter can be resolved promptly with your assistance. 

Please provide an update and resolution within [ reasonable time, e.g., 10 business days ]. I look forward to your prompt attention to this matter, as the funds are urgently needed.
Product: Checking or savings account

I am a victim of ID theft. I have reported my stolen IDs to the XXXX XXXX XXXX XXXX XXXX  XXXX. 
I had a open investigation with the account at Wells Fargo bank ( XXXX ) and I had reported a employee responsible for allowing strangers to sign checks and other acts of Fraud on my bank account that was opened XXXX. 
The employee XXXX XXXX XXXX XXXX XXXX XXXX XXXX location. 
In XXXX the balance was paid and a way 2 Way savings account opened with a {$15.00} Balance. 
I think the act was a act to rescue XXXX XXXX from Investigation. Save her and the location from Disciplinary Action.

I live in fear.
Product: Credit card

My track record on this account demonstrates a commitment to timely payments, ensuring no overdue amounts. I'm unclear about the reasons for the presence of late payment remarks on my accounts. Per 15 USC 1666b - Billing Error, any errors should be addressed promptly.
Product: Debt collection

Company continues to send letters to family members. They also continuously call my cell phone as well as my family members landline numbers throughout the day which is highly annoying.
Product: Credit card or prepaid card

I had a reduction in pay at the beginning of XX/XX/XXXX. I contacted Capital One and told them of my hardship and asked for assistance with lowering the interest rate to reduce my payment. I was told the only thing they could do is allow me to skip a payment. I called again in the middle of XXXX and again, received no help. At the end of XXXX, I was laid off. I called Capital One, informing them of my job loss and once again asked for a reduction in the interest rate and was told they couldn't help me. Unfortunately, I was not able to make my payment that was due on XX/XX/XXXX. I called Capital One on XX/XX/XXXX and spoke with a representative who advised me that Capital One does not offer a hardship program. I should contact a debt consulting company to negotiate on my behalf. I said that was ridiculous, I am the consumer. I have been with Capital One for years and never missed a payment. I also advised her that the other credit card companies I contacted within minutes helped me to lower my payments. The representative told me that I would get a call from a manager ; however, I never received a call. I find it disturbing that Capital One refuses to help me and eventually, I will not be able to make my payment and the first time in my life my credit will be destroyed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax previously deleted and permanently blocked the following fraudulent and unauthorized account from my Equifax credit report between XXXX : XXXX XXXX XXXX. Equifax has put the fraudulent account back on my credit report after deleting and permanently blocking the account from my Equifax credit report. I been receiving harassing phone calls and death threats from representatives from XXXX XXXX XXXX at my home and place of employment for over 1 year, to pay for a debt thats not my debt or account. This is a serious violation of The Fair Debt Collection Practices Act ( FDCPA ) under Federal law, and under Arizona Debt Collection state laws. This account isnt on my XXXX XXXX or XXXX credit report, because XXXX XXXX and XXXX deleted the account from my credit report and permanently blocked the account from my XXXX XXXX and XXXX credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir, I have been observing in my XXXX XXXX report that XXXX   XXXX/XXXX  reporting my closed individual XXXX XXXX credit details every month. I really do not understand why XXXX XXXX has been reporting my closed credit card details every month without any activity and no statements generated. My credit report should have only last payment details, paid and closed with XXXX balance details, these details should stay in my report for next seven years. why did XXXX XXXX credit card company reporting my credit card details without any activity, no transaction, no statements, paid and closed with XXXX balance. Could CFPB direct XXXX XXXX/XXXX to keep the accurate status of last payment details, account paid and closed with XXXX  balance, keep these details in my credit report for next seven years timeline. There should not be any updates and credit reporting every month for paid and closed XXXX XXXX/XXXX  credit cards. Also, there is no XXXX XXXX/XXXX credit card open with my name, date of birth, social, address or using any of my identification details.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I logged in to see my credit score because I got a notification from a credit reporting service that my credit score had dropped significantly by XXXX points.. when I logged in the only thing that had changed was a collection was removed. And I understand that sometimes when a collection account is removed it'll drop your score for a short time. We're almost to the end of XXXX and I've seen yet another drop in my credit score I was notified again that my credit score had dropped this time by XXXX points on XX/XX/year>. This time the cause was because my personal checking and savings account bank which is XXXX My balance had increased. They report their advertised credit building card " Believe '' so I'm unsure why that would be because we're only allowed to charge what we have in the bank. This is not credit building I complained about this one other time and nothing was done with my bank account. If a person is building credit with such card why would we have a drop in a credit score. I'm not sure if it falls within the credit reporting agency or is it a problem at my bank. But either way these significance drops and score are huge when I have worked so hard to rebuild my credit. I spent numerous hours and have given a great effort in maintaining and keeping a good credit score and then things like this which you think would increase your credit and has dropped that much.
Product: Credit card or prepaid card

My capital one credit limit is XXXX. After requesting increases, I was able to make purchases up to XXXX before the card was being declined. Assuming the line was increased, I received notification from credit bureau stating my score dropped due to over credit limit ... I was told by capital one that their was a glitch allowing it to go that high, she then transferred me over to a senior supervisor named XXXX, who said there is absolutely nothing they can due regarding an issue they they made, and is affecting MY CREDIT in which im trying to build back up upon declaring bankruptcy last year.