23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XX/XX/year> {$3100.00} was fraudulently stolen out of my Wells Fargo account. Earlier that week I fell for so the on-going toll scam and was called by Wells Fargo , being assured that the scam would be handled. As mentioned earlier, on the XXXX I then lost {$3100.00} in XXXX ATM transactions of {$2100.00} and {$1000.00}. The transaction in question occurred at an ATM in XXXX XXXX, while I was physically in XXXXXXXX XXXX working with my debit card on hand. After checking my account and realizing what happened, I immediately called Wells Fargo. I was then told, after having to wait over XXXX hours to speak to the correct person, that there were XXXX claims to be made and I should receive my money back within XXXX business days as well as a new card. I was also told to not use my new bank account for transactions until all of my money was deposited back into my account. I eventually received my new debit card and the missing {$2100.00} but there was no word at all on the {$1000.00}. On XX/XX/XXXX, I called Wells Fargo as I had received no word at all on when my stolen money would be returned. Wells Fargo then told me that I will not be receiving my {$1000.00} as though I did not provide sufficient information and the fact that the {$1000.00} was withdrawn at an ATM with a chip card. Despite this, I frequently said on the phone on XX/XX/XXXX that I had my card on me, I have never been XXXX, I do not know how to use an ATM, as well as the fact that I am at work and I am able to provide witnesses or even my location during the day to prove that I was not the one who withdrew that money. I was never informed that my {$1000.00} claim was denied, or that I was able to use my bank account. Due to them not telling me, I was reliant on using only cash for over a month, having to ask friends and family constantly for help as I would wait for Wells Fargo to get back to me on when I would receive my promised money. Even after all of this, I informed Wells Fargo that I would be able to prove that it was not my card used physically to take the money out of the ATM by having witnesses, documentation, and my location advocate for my innocence. Nonetheless, Wells Fargo informed me the most I could do was submit a complaint. My money was fraudulently stolen out of my account and Wells Fargo has denied my claim. The attached documents is proof that my card was being used while not in my possession even after the scammers withdrew the majority of my money. I then turned off the card when I discovered how much I lost. Wells Fargo never contacted me or told me what was happening to my account, even after reassuring me earlier that week that everything was handled. Losing this money and being falsely promised that Wells Fargo would return my stolen money has been detrimental as this {$1000.00} is almost a third of my wealth and I have needed it back to pay the friends and family that have helped. I am extremely disappointed and hurt by the treatment of Wells Fargo.
Product: Credit reporting or other personal consumer reports

I have 3 accounts with this company each month made payments on atleast 2 when checked consumer report they had me down for late payment 3 months in a row reached out with no luck. Then the harassment started afraid to answer my phone they were calling me 2 or 3 times a day. So I had to make a payment.. I have over 15 calls in a seven day period.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian regarding their continued verification of multiple accounts on my credit report despite multiple disputes and a previous complaint filed with the XXXX XXXX XXXX XXXX XXXX XXXX. On XX/XX/2024 I sent a letter for the XXXX time to Experian and they have updated in my Experian account that the following items were verified. 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 I have diligently followed Experian 's dispute resolution process by submitting detailed documentation and evidence to support my claims of inaccuracies in my credit report. However, Experian has repeatedly verified these disputed accounts without conducting thorough investigations or providing satisfactory resolutions. 
This persistent failure by Experian to address the inaccuracies on my credit report is a clear violation of the Fair Credit Reporting Act ( FCRA ), which mandates that consumer reporting agencies must promptly investigate and correct any inaccuracies in consumer credit reports. 
Despite my efforts to resolve this issue directly with Experian, including filing a complaint with the XXXX, they have failed to provide a satisfactory resolution. I am therefore filing this complaint with the Consumer Financial Protection Bureau in the hope that you will intervene and assist in resolving this matter. 
I request that the Consumer Financial Protection Bureau investigate this complaint and take appropriate action to ensure that Experian complies with its obligations under the FCRA. Specifically, I request that Experian be required to conduct thorough investigations into the disputed accounts and take immediate steps to correct any inaccuracies in my credit report. 
Additionally, I request that Experian be required to provide me with a written explanation of the actions taken to address these disputes and ensure the accuracy of my credit report within the required timeframe specified by law. 
Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take appropriate action to resolve this dispute and hold Experian accountable for its failure to comply with the FCRA.
Product: Vehicle loan or lease

My husband and I moved to XXXX XXXX XXXX. Since then I have been trying to register my car in the state of XXXX from XXXX Chase bank has been going back ad fourth with us for over year about where the title for my car is. I have never missed a loan payment. I figured a title request for a state transfer would be easy. My husband and have both called the bank close to two dozen time. Now we are told the bank got the title with the wrong name on it. Bottom line is, it took so long that the XXXX registration has expired. Without the title I can not register my car. I have to keep insurance on the car I can not drive. My husband and I both work full time jobs. We need both cars. Chase has 0 solutions other than wait it out.
Product: Debt collection

i spoke with them about a medical bill and the insurance company did pay, but there was a balance and I asked if I could make payments at hospital they said yes and some kind of way a collection company threaten me about XXXX dollars when in reality my insurance did pay XXXX and I have to have emergency XXXX to my XXXX  and was wondering why my score was so low and AR Resources had went ahead and placed me in collections so I settled with them regardless because I must have XXXX to my XXXX  and will need to use some of my credit with insurance this month because next year the insurance will not help anymore with this type of producure for those with XXXX so I have had this screws since XX/XX/year> in my XXXX  and constant pain and XXXX with XXXX.So I paid because I didn't have time to get proof from the bank in time to maintain my credit score to get the procedure. PLEASE I NEED THIS OFF OF MY CREDIT REPORT.
Product: Money transfer, virtual currency, or money service

I am writing to express my concern 's regarding zelle handling my disputes. I used zelle numerous times and reported any issues I had and zelle failed to investigate my claims.
Product: Credit reporting or other personal consumer reports

In accordance with 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 Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX  # XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Mortgage

XXXXPayment History and Documentation : Checks issued by XXXX XXXX  were sent on time but delayed in processing by Selene Finance XXXX which created confusion about whether payments were received or lost. 
Payments made by XXXX XXXX through both XXXX XXXX and XXXX accounts were consistent, with XXXX returned check due to an issue that has since been resolved. 
XXXXStop Payments and NSF Fees : The stop payments were initiated due to a lack of clarity on Selenes part in processing and cashing checks within a reasonable timeframe. These actions were preventive and not a result of insufficient funds. 
NSF fees were paid as a courtesy to keep the process moving forward, further evidencing goodwill on the part of Texas XXXX XXXX, XXXX. 
XXXXSelenes Processing Delays : The checks in question, such as # XXXX and # XXXX, were cashed months after issuance, indicating a delay by Selene Finance in attempting to process them. 
XXXXAnnual Escrow Surplus and Interest Rate Increase : A surplus of {$3700.00} from the escrow analysis was noted. Its valid to request clarification on how this surplus will be addressed. 
The interest rate increase is also a reasonable area of inquiry to ensure transparency and compliance with any underlying agreements. 
XXXXBusiness Analysts Review : The analyst notes discrepancies in payment application and suggests XXXX months dues instead of XXXX. However, given the detailed payment timeline and provided documentation, theres evidence that payments were made but not applied correctly. 
XXXXSupporting Evidence in Files : Uploaded checks align with claims of timely issuance and support the assertion that the issue lies in Selenes delayed processing. 


Check number XXXX sent XX/XX/XXXX XXXX {$1700.00}. Selene deposited on XX/XX/XXXX. 
Check number XXXX sent XX/XX/XXXX XXXX {$1700.00} ( not cashed ). Selene attempted to deposit this check on XX/XX/XXXX. 
Check number XXXXsent XX/XX/XXXX XXXX {$1700.00} ( not cashed ). Selene attempted to deposit this check on XX/XX/XXXX. 
Online payment made XX/XX/XXXX XXXX {$5300.00} ( for checks not cashed plus XXXX payment ). 
Online payment made XX/XX/XXXX XXXX {$1800.00} ( this included NSF fees charged by Selene XXXX. 


Check XXXX sent to Selene finance on XX/XX/XXXX Check XXXX sent to Selene Finance on XX/XX/XXXX Check XXXX sent to Selene Finance on XX/XX/XXXX Check XXXX sent to Selene Finance on XX/XX/XXXX Check XXXX Sent XXXX/XXXX/XXXX was the one that returned. It was an issue with the checks that has been resolved. I let them know to send funds directly to you for the {$30.00} fee Selene charged our file directly. 
Check XXXX Sent XX/XX/XXXX was to replace the check from XX/XX/XXXX Check XXXX payment sent to Selene on XX/XX/XXXX is still in transit since it was just sent this week. 

Checks are sent monthly it does not add up that Selene says a payment hasn't been recieved on the account since XXXX, when it shows check XXXX was sent XX/XX/XXXX and returned due to company switching banks once informed they mailed check XXXX on XX/XX/XXXX and they are covering the NSF that was charged. Check XXXX was sent to selene on XX/XX/XXXX.
Product: Checking or savings account

I have banked with wells fargo off and on for over 20 years. Anytime our account overdraws they switch around transactions so a more expensive transaction goes through first then add overdraft fees to more transactions because the smaller transactions aren't able to be covered. My app indicates the correct order as I process transactions but changes once they move things around. 

They claim that they post to the account in the order received from the vendor.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that the Experian will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XXXX XXXX, I sent out letters to Equifax to dispute discrepancies on my credit report. I haven't received any information in return.
Product: Debt collection

We are renting funrintire through ALE solutions after our home was destroyed by Hurricane Matthew. After delays from our mortgage company which we tried to work with them about they came to take the furniture and housewares. They came on XX/XX/XXXX. We offered to give them some of the items that were n't needed but we were told by XXXX after he spoke to someone on the phone to not pick up anything because it was easier to get it all at once. We explained the situation and on X/XX/17  we received a threatening email from XXXX XXXX. We had explained the delay because of the part of XXXX XXXX delaying our checks being endorsed to finish work on the original property. She had told us if we did n't pay them approx {$1600.00} them they would start legal procedings and have us arrested for theft of property. They have already picked up half the items previously and are charging XXXX XXXX and trying to charge us for the full amount of items even though they were returned. We have XXXX small children XXXX,XXXX,XXXX and XXXX and one son is a XXXX XXXX. This is unacceptable
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed everything I have seen late. I have talked to all companies trying to see what is being false reported and no one can give me information. I look and it says one place XXXX XXXX late payments then I can't find late payments anywhere and it shows XXXX of XXXX accounts paid on time. It is false reporting late information to companies yet I have nothing late. It is causing me to not get credit.
Product: Debt collection

Progressive is charging me over 2,000 $ for something I never used. I dont own a car I dont own a insurance so I dont know why are they charging me.
Product: Credit reporting

Before XXXX 2015, I have a credit score in middle XXXX on all XXXX credit bureaus. After being denied credit I discover all kinds of wrong information on my credit profile. So I file an Identity theft report with the XXXX Police Department, in XXXX, XXXX XXXX File # XXXX ). I send the report to the XXXX major credit bureaus and the creditors. All the creditors and credit bureaus deleted the information from my credit report quickly except Experian. XXXX of the creditors told me that Experian is the XXXX that had cross referance my file with someone else with the same name. My name is XXXX XXXX XXXX XXXX Address ) XXXX XXXX XXXX XXXX # XXXX XXXX Ca XXXX. My DOB XXXX ( SSN *********** XXXX. And that is the way i apply for credit and that is the way the creditor report my information to the credit reporting Bureaus. After sending Experian a copy of my ID and SS Card that tell me that they dont have no information in there database under that information. Which is a bold face lie and i told them so and that their job is to apply the information in there database exactly like the credit provider report it to them. On a credit report that I have from them is show a difference SSN and Several addresses and phone number that i know nothing about. And they refuse to correct this misinformation. This has cause me denied creditXXXX.
Product: Mortgage

PHH Mortgage was reporting negatively to the credit bureaus during the time I was being monitored through a chapter XXXX bankruptcy. This has caused serious problems for my family and the purchasing of our new home. My wages were being garnished by the BK Co the entire time and they were making the payments on time for me. We provided my bank statements along with the payment history from the BK Attorney and PHH is still refusing to correct my credit. I contacted my bankruptcy attorney about this and he was going to get me some information on the payment process from the ChapterXXXX office, however, he stated that 1. The payments were made electronically and 2nd, that they should not have been reporting to the credit bureau until after the bankruptcy was discharged. 
I also spoke, again with PHH Mortgage today and the lady I spoke with suggested I file a dispute claim with their Credit Report Disputes department, which after I get the information from my attorney I will do as well. I wanted the CFPB to know so that other consumers are aware!!! This has caused me entirely too much stress and wasted my time.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

XXXX XXXX EQUIFAX DID NOT REMOVE LATE PAYMENTS WITH XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX  made a error in reporting late payments in which I sent documentation proving it was a error they still did not remove the late payment also the creditor also requested they remove the late payments asap in which they did not EQUIFAX HAVE FRAUDULENT ACCOUNTS REPORTED XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AND ALL FRAUDULENT INQUIRIES XXXX, EQUIFAX XXXX IS REPORTED XXXX late payments XXXX XXXX ALSO XXXX XXXX
Product: Mortgage

My mortgage is with Nationstar Mortgage Company. Upon closing, I signed a PMI Disclosure form saying that I have the right to request PMI removal at 80 % LTV, and that it will be automatically terminated at 78 % LTV. Upon trying to clarify these terms with Nationstar, I 've been told by them that I can not get PMI removed until my loan is at 75 % LTV since it is less than XXXX years old. I have gone back and forth with them several times ( and have produced the signed PMI disclosure form for their review ) and have maintained that if that were the case, then it would 've been disclosed on the form along with all of the other disclosures The form simply stated that I have the right to request PMI removal at 80 % ( not 75 %, not 75 % within a certain timeframe ... 80 % ) and while there are some loans that require different terms for cancellation, my loan is not XXXX of them. I requested to be transferred to their legal department and was told by a rep that " they do n't have a legal department ''. I am not gaining any traction with Nationstar - responses are not timely, intelligent, knowledgeable or helpful. The responses I 've received from their Customer Service Department do not address my questions, have not produced any signed agreements ( between myself and them ) or documentation that back up their claims and often are scattered with grammatical errors combined with poor professionalism which make me question the competence of the Customer Service " Specialists '' handling these mortgages altogether. I requested to be transferred out of the Customer Service Department to a superior in the company who I could escalate a complaint to and the Customer Service Rep refused to give me any contact information. At the advice of the XXXX XXXX XXXX XXXX - Banking Division I escalated the matter and wrote directly to the Compliance Officer at Nationstar Mortgage, XXXX XXXX, and attached all of my correspondence, documentation and expressed my frustration & stress in dealing with the Customer Service Specialists who have not been adequately addressing the situation. He simply forwarded my letter BACK to the Customer Service Department and I received a letter back from them saying ( again ) that they wo n't remove it until 75 %. Their PMI Cancellation Form is extremely vague and says that while I can request removal it is not guaranteed ( and seems to be at their discretion, at the end of the day ). I have not applied for cancellation yet as my home is not yet at 80 % LTV, but I suspect it will be upon a new appraisal. I am trying to get my ducks in a row for when that time comes and Nationstar, I feel, is violating my rights as a banking consumer and is not appropriately responding to my multiple attempts at sorting this out. It was always my understanding that the Homeowners Protection XXXX of 1998 was enacted specifically to protect consumers from banks doing exactly this. I am at my wits end and do n't know how else to proceed. I will attach my signed PMI Disclosure form, and multiple ( dated ) correspondences to and from Nationstar as well as my reference log of activity.
Product: Credit reporting or other personal consumer reports

I recently obtained my credit report that was not reported accurately. I had 7 late payments on the account that I infact paid on time. I have automatic payments setup. the consumer reporting agencies need to report all info with complete accuracy. This account has not been late on payments and I even contacted the company and they refunded my late fees and admitting their wrongs but nothing has been updated on my credit. I'm requesting that this account be updated proving that I had late payments, if this information can't be verified with them, I demand that you investigate this and update my credit profile immediately and be marked as paid on time. 

I have attached documents. 

They are stating I was late many months in a row XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Every time I tryed to use the card it will decline, I called synchrony bank which is where my card is issued from, I explained what's happening when I try to use, customer services advise to a link and provied a photo ID and a video of my face from side to side, and a copy of my drivers license front and back, I asked what the reason for this, I was told this was for security reason, I advised them that they have my social security number and address and my credit report, I was never given a legitmate reason as to why this information was required from me. The number for their customer service that I call is XXXX.