23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/year>, I submitted a Qualified Written Request ( QWR ) to Wells Fargo pursuant to the Real Estate Settlement Procedures Act ( RESPA ), 12 U.S.C. 2605 ( e ), and Regulation X ( 12 C.F.R. 1024.36 ). The letter was sent via Certified Mail and included over 30 formal servicing-related requests. These included : Loan ownership history and chain of title Servicing records ( XXXX XXXX XXXX XXXX ) Foreclosure fees, title record discrepancies, and payoff accounting All loss mitigation and mediation communications A demand to halt foreclosure due to unresolved servicing errors Wells Fargo responded only with a generic acknowledgment letter dated XX/XX/year>, promising a response by XX/XX/year>. No complete or substantive written response was ever received, in violation of the 30-business-day deadline required by RESPA.

This is a clear violation of 12 U.S.C. 2605 ( e ). I am requesting enforcement action, a full response from Wells Fargo, and an investigation into their pattern of RESPA noncompliance. 

I have attached a complete PDF of the original XXXX, Wells Fargos acknowledgment letter, and the Certified Mail proof of delivery.
Product: Money transfer, virtual currency, or money service

I submitted the appropriate paper work on XXXX to close my credit card processing account effective XXXX due to the closing of my business. I also asked how to return the equipment/ supplies. I have made numerous calls to customer service, each time given a case number and a promise of a resolution, to no avail. They keep referring me to someone named XXXX XXXX XXXX. He will not return numerous calls/ texts. The account is still not closed over three months later and no one will tell me how to return the equipment. What should be a simple process has become beyond frustrating. What a terrible way to do business. XXXX  case # XXXX and # XXXX
Product: Credit card or prepaid card

I opened a Comenity Bank XXXX XXXX credit card in XXXX, my limit was {$300.00} I paid the card down to roughly a {$100.00}. In XXXX I saw the amount I owed was more that the limit, I contacted them an told them I became XXXX and ask them to cut the card off and Ill pay the balance. Which never went down only up. Now they have me in collection for {$1100.00} I have the same issue with the same bank for a XXXX  credit card with a limit of {$500.00}, I paid that card down to {$230.00} and now they have me in collection for {$1000.00} XXXX  XXXX XXXX also for XXXX, I paid this account off and they sole the account and put it back on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

The defective item was returned in XX/XX/2018 upon an agreement that the account would be credited, thus nothing was due after that time to report late
Product: Credit card

I was getting charged for something that I have no idea what it was for. I asked synchrony bank and they couldnt tell me. After two years of making payments on a {$1000.00} bike I paid another {$800.00} to close the account in XXXX. I have a letter stating that my account was {$0.00} dollars. I have screenshots stating my account is XXXX dollars. They are still drafting my accounts every month. I have asked what the charges are for and they can not tell me, but they still draft my account. Customer service is awful. I got put on hold 3 times while I was speaking and sat on hold for 1-1/2 hours to be told they cant tell me what the charges are or why the account wasnt closed, but I still owe them money. 

Two years, and I never got a single statement or any information on charges or even an account number.
Product: Checking or savings account

On XXXX XXXX, 2017, I received 3 statements from Charles Schwab, indicating that I had recently opened up accounts with them. Each statement had 3 different account numbers listed and wanted me to verify my information was accurate. I had no knowledge of opening up these accounts with Charles Schwab and called them immediately. I spoke to a representative who asked me a couple of security questions and realized this was fraud when my mother 's maiden name was not established by whoever opened the account. My address was also listed in Georgia when I live in California. The representative transferred my call to the fraud Department, where additional information was taken from me. I was told that my case would be investigated and a fraud response provided when the investigation was complete. The fraud representative advised me to place an alert on bank accounts, credit bureau 's, CFPB and Identity Theft.gov, in addition to filing a police report. I am currently in the process of doing these recommendations.
Product: Credit reporting, credit repair services, 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 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 section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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

My husband and I successfully sold our home and the mortgage was fully funded to Planet Home Lending on XX/XX/2022. We paid our mortgage every 2 weeks with an additional $ 500/month on the principal for several years. We were never late. When the house sold, the the proceeds were transferred into our account. Since that time, Planet Home XXXX has continued to debit our account {$940.00} on XX/XX/2022. I called them to have them stop as well as to return the monies that are owed as well as escrow funds. They ensured that we would not be charged again, yet we received another bill today for {$1800.00} for XXXX mortgage for a home that we no longer own.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts I have marked inaccurate : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I never had a contract with this debt collector for any debt. Please delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a medical bill with XXXX XXXX, they sent me to collections thru XXXX back in XXXX for the amount of {$570.00}. This year XXXX this item was sold to XXXX XXXX and they reported me again as a new debt which affected me greatly on my credit report. I created a dispute with Experian asking to remove this item because the same debt was reported twice, the first time n XXXX and the second time in XXXX, they sent the requrest to XXXX XXXX and they denied it. I think this is illegal to report the same debt and start over again so which means that the original medical bill will stay on my report for another 7 years that would be a total of 14 years. Please advice.
Product: Credit card or prepaid card

Please have a representative contact the undersigned customer to resolve an ongoing issue regarding credit reporting on a closed Wells Fargo Credit Card. As a result, Wells Fargo is currently reporting incorrect information on my credit report to all XXXX Credit Reporting Agencies. 

It is necessary to discuss the issue, as the previous investigation into the matter was done incorrectly, provided irrelevant information by the representative and did not resolve the matter. 

Account # XXXX - XXXX - XXXX - XXXX Thank You. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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. 

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 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 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 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 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: Debt collection

The debt has been addressed, discussed, settled and disputed with client and XXXX other collection agencies. It is agreed that debt should no longer be collected for reasons stated previously. 

Dispute of Reference No. XXXX | Client Acct # XXXX Enhanced Recovery Company, XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX
Product: Credit card or prepaid card

I would like to formally dispute fees of {$29.00} and {$4.00} appearing on my Bestbuy/Citicard statement closing on XX/XX/XXXX. These charges stemmed from an unauthorized charge of {$190.00} appearing on my statement that closed XX/XX/XXXX. 

I spoke to the customer service representative in XX/XX/XXXX and explained that I did not authorize the charge of {$190.00} and that charge was removed. I also closed my account at that time. 

I spoke to a customer service representative in XX/XX/XXXX and explained that I did not authorize the {$190.00} charge and was able to get fees for {$40.00} and {$3.00} ( interest ) appearing on my statement closing XX/XX/XXXX removed. 

The customer service representative informed me that I still had an outstanding balance of {$32.00}, but she could not explain the rationale for this charge. Although she could not identify the reason for the charge, she told me that I did not have the right to dispute this charge. I explained that I did indeed have this right, and I informed her that she, as a representative of Best Buy/Citicard was saying something at least incorrect and at most Illegal. When asked for an address to file a formal dispute in writing, she would not provide this address until I threatened to report her. After being on the phone for about 1 hour, the Best Buy/Citicard customer service representative hung up the telephone.
Product: Bank account or service

PNC Bank manipulated transaction orders and delayed updating my account balance when items were listed as pending, which led to an overdrafting of my account. They then charged XXXX separate {$36.00} fees ( {$140.00} total ) as a penalty for their error.
Product: Debt collection

I been notified from the credit bureau that a negative collection was place on my report l was never noticed by the collection agency about a attempt that was placed with them this collection have no right to placed a collection on me l dont even what company that the agency is trying to collection but this collection do have a right to destroy and add a negative on my credit report and l havent been notified of anything please remove l own this collection agency nothing
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$13000.00}, XXXX  XXXX XXXX Balance : {$400.00}
Product: Payday loan

Lender deposited check before time I was told it would be deposited. Funds were not available and check was sent to collections. Lender then deposited check and withdrew full amount after I made a payment arrangement with collections department. Collections department was also rude and gave no option to pay back loan, although I insisted I needed a due date closer to my payday.
Product: Debt collection

I have no idea of this collection or the original creditor. I believe that this collection is on my credit report as a fraudulent means and must be deleted permanently. 

XXXX XXXX
Product: Credit card

I was recently scammed. I thought I was paying for Credit repair services but I was scammed and asked to buy gift cards. The scammers hacked into my accounts and started using my credit card. I have all receipts, dates and conversations with the scammers. I contacted XXXX XXXX and advised them of this. They originally took the scam payments off, but have since put them back on my credit. This all started on XX/XX/2024, when I sent them my first payment for the services. I will attach the XXXX XXXX case numbers and amounts of each transaction. I will also attach the conversations with the scammer, as well as the police report. XXXX XXXX has also closed out my other credit card, which wasnt involved. They sent a letter stating that this account is closed because of the other one and that I had did activity, that didnt align with them. I feel that, was totally unacceptable and they never considered the fact of me being scammed!
Product: Student loan

I spoke with representative XXXX on XX/XX/2022, and requested a refund for all of my loan payments I made during the pandemic. The representative said he submitted my request and said it would be 4-6 weeks to receive my refund from the Treasury. I spoke with representative XXXX, XXXX, on XX/XX/2022, and was told that my request was not submitted on XX/XX/XXXX. XXXX claims he submitted it and said I should receive my refund in XXXX. However, like on XX/XX/XXXX, I did not receive any written confirmation that my request has been submitted. Thus, I have no way of knowing whether my request was actually submitted and have zero trust that it has actually been submitted based on my experience the first time. I also have to wait at least an additional 4 weeks to receive my refund because of the companys negligence in doing its job as a loan servicer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove these accounts immediately.. They should not be on my report. This is fraud. I have proof of fraud. I've already sent it to all bureaus with no changes. I dont know what the issue is but remove it immediately because the credit bureaus are supporting fraud!!!! 

XXXX XXXX  Opened Date XX/XX/XXXX Balance {$770.00} XXXX   XXXX XXXX  Opened Date XX/XX/XXXX Balance {$4400.00} XXXX XXXX Opened Date XX/XX/XXXX Balance {$4700.00} XXXX Opened Date XX/XX/XXXX Balance {$6500.00} XXXXXX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX
Product: Mortgage

on XXXX XXXX, 2016 this writer sent the allege mortgage servicer Citi Mortgage ( CITI ) a Qualified Written Request ( QWR ) on XXXX XXXX, 2016 Citi gave a response but failed to answer the QWR in its entirety. There is NO FORECLOSURE PROCESS nor was I EVER IN DEFAULT as stated in the notice from CITI. This information from Citi Mortgage is totally fabricated. I clearly requested the LOANS ORIGINATION.. this was totally ignored by CITI By law and as a consumer I have a right to ask for my loan origination etc under the FEDERAL SERVICER ACT, which is part of the Real Estate Settlement Procedures Act, XXXX XXXX XXXX XXXX XXXX XXXX. 
A second request is being sent once again requesting the documentation not received from Citi mortgage. They are in violation.
Product: Payday loan, title loan, or personal loan

1. Applied for loan program for a personal loan on XX/XX/XXXX 2. Paperwork was submitted as requested by XX/XX/XXXX 3. Loan application was kept on hold for over a month 4. Loan application was denied indicating high debt to income using arbitrary non standard methods of calculating monthly payments.
Product: Debt collection

I signed up for a Policy with XXXX XXXX on XX/XX/XXXX of 2022, then called to cancel the policy on XX/XX/XXXX. I was then told my policy would be canceled immediately. I then recieved an email weeks later stating how i had payments coming up even though i requested for the policy to be cancelled. Funds were then attempted to be taken out of my account even though i had called multiple times to get my policy canceled within the same week and following weeks of opening the account. I was instructed to provide proof of insurance through state farm which i did. Payment for that month then came out on XX/XX/XXXX due to me being a XXXX veteran, we get our checks on the first of every month. I would call progressive repeatedly to find out if my policy was canceled yet only to get excuses or even agents saying " what cancelation? We dont have it in our system for your policy to be cancelled '' which led the policy into not being canceled for even more amounts of time. I also have on my bank statements stating that payment was taken out on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I would also never receive a notice in the mail of a debt owed or collections owed until 3 days ago and to find out the next day my credit being decreased due to a new collections. I would also follow up with XXXX almost on a daily basis to then be told by an employee to disregard any bills i would receieve within the next 30-60 days due to the cancelation. I would still call till i got confirmation that my account had finally been closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent accounts. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX/XXXX  Have police report.
Product: Credit card or prepaid card

On XX/XX/XXXX I ordered ( XXXX ) 2 TV boxes with 2 lifetime warranties from XXXX XXXX XXXX and used my American Express Serve card for payment, {$170.00}. On XX/XX/XXXX I  cancelled the order by phone speaking with XXXX, the Customer Success Manager at XXXX, due to them not being in stock. I still have yet to hear from this company so I filed a dispute investigation with American Express online as instructed, spoke with someone at XXXX. On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I faxed ( XXXX ) and emailed the proof of documents requested by them ( XXXX ) through the American Express Encrypted Email. On XX/XX/XXXX I get this email : After completing our review, we are pleased to let you know that the temporary credit of {$89.00} that we credited to your account on XX/XX/XXXX has been made final. This case is now closed. First of all, the amount of the refund is wrong and when I look at the refund that was actual credited to my card it was only {$67.00}. I tried calling XXXX and was told I can only email the dispute team they don't take phone calls. Like I said I provided proof three times to them and they are not taking the time to get it right. Please help.
Product: Vehicle loan or lease

On/or about XX/XX/year> - Kia Finance indicated to me that 5 payments were remaining on the loan. Those XXXX payments have been made in the amount of XXXX and now Kia Finance is telling me that an additional XXXX is owed on the account. Their billing statement indicates exactly XXXX payments are remaining and those XXXX payments were made. Kia Finance has been contacted on the matter, and their customer service representative stated that there was an error on the account and it would be corrected. However, now they have retracted on their statement and are requesting an additional XXXX before they will issue a release of lien on a paid off loan.
Product: Credit reporting or other personal consumer reports

Credit account with a balance of {$15000.00} and monthly payment of $ XXXX is not my account. Please remove this information from my credit report.
Product: Credit reporting or other personal consumer reports

A class action lawsuit was filed and I did not know. I checked my social security number and it was exposed. I want to add my name to the list of class action and or back pay.
Product: Debt collection

I contacted the company in XXXX. No response. I sent checks in XXXX and XXXX. In XXXX they returned my checks. By not applying my payments, they assess additional charges making it more difficult to correct. The collateral is double the debt. They are working to take my home. I'm elderly and have XXXX. No one to talk to as they only do computers. Refusing payment is unacceptable
Product: Mortgage

Ocwen purchased the mortgage on my XXXX condominium a number of years ago. They have been repeatedly sending me letters insisting that my homeowners insurance has lapsed and that I must obtain coverage or they will obtain it for me at my expense. Our homeowners association maintains this insurance, it has not lapsed for the 18 years I have had this mortgage, and I have faxed a copy of the policy to Ocwen three times. They continue to request the proof of insurance, even though I have called to tell them that I have faxed it to them, and now have sent me a letter on XX/XX/XXXX telling me that they have purchased insurance for me from a company named XXXX XXXX XXXX for {$390.00} annually and have added this cost to my mortgage without my consent. I also have individual homeowners insurance which also has not lapsed in 18 years. This is a scam which I have read all about them doing to other homeowners on the internet. I have always paid my mortgage on time and am also buying another home in XXXX with XXXX with no problems with that mortgage. This company is corrupt and needs to be put out of business.