23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Statement for past month did not include credits issued for transactions set into dispute with XXXX. Calls were made to confirm amount provisionally credited during dispute, which placed account at a credit balance of about six to seven hundred. When statement was reviewed to verify disputes, only two disputes were available for view. When transactions that were disputed were searched using the online account management features, credits for transactions that were successfully handled through customer dispute process with merchant were not found, even when utilizing the search features. A print out of the report was completed and the merchant on the phone confirmed that a credit was issued in the past. After completing the phone call with a Citibank MasterCard representative on XX/XX/XXXX at XXXX XXXX PST, XXXX XXXX released the relevant electronic communications with the merchant to make it easier to search for the details relevant to the refund that would be communicated to the agent regarding the transaction that was refunded. While the merchant had the exact amount that I had provided over the phone prior to the release of the electronic communication documenting the refund, the online account transactions and statement did not reflect this amount. The representative stated that I would have to go into the branch to get a correct statement. I believe that the statement that contained the errors, as confirmed through a customer agent on the weekend ending XX/XX/XXXX, was stolen from my premises without my authorization. On XX/XX/XXXX, I could not locate the call on the phone log of my cell phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX 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 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
Product: Mortgage

I contacted my mortgage company, Land Home Financial, to remove the PMI off my account because my homes value has increased significantly from when I purchased. My loan company is refusing to do so, In a letter dated XX/XX/XXXX they state that my outstanding balance is {$560000.00} and the appraised value is {$610000.00}. This is absolutely not the case as several homes in my neighborhood have sold well over {$700000.00} and my neighbors home sold recently for {$740000.00}. They have given me two options for removing PMI. 1st option is to pay down the loan by {$78000.00} and the other is to show there have been substantial improvements to the home bringing up its value. Neither of these things should have to be done as I know my homes value is today valued at more than $ XXXX. 

I called Land Home Financial on XX/XX/XXXX and they still refused to do anything about the PMI and only presented me with two options. Either pay down the loan or prove that I have made significant upgrades that would increase the homes value. Which neither are good options since my home is already valued much higher than their $ XXXX value.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have wrote Experian on several occasions to remove the inaccurate address off of my profile but they will not remove it. I have sent in verified notarized proof and they still refuse to remove this address from my credit profile. I wrote them in XXXX, XXXX and in XXXX and it is the same old thing. I wrote them XX/XX/2020 and they received my information on XX/XX/2020 and XX/XX/2020 I received dispute alerts saying that my disputes where complete. In seven days they decided to mark my dispute as complete. They just received it so did they even take to proper steps in looking into this situation are did they just decided to do what they wanted and keep the address listed on my file.
Product: Debt collection

XXXX XXXX XXXX and XXXX XXXX XXXX have promised a Trade Line deletion in exchange for payment for a Charged -Off debt purchased from HSBC . Unfortunately, the payment was received but the written agreement for the deletion of this account 's " Trade Line '' and " all credit reporting that has been done on this account '' has not been honored. I have brought this concern directly to HSBC. Although my concerns were clearly documented with specifics, HSBC has rerouted my concerns ( with inaccuracy ) to a " request for HSBC to remove its credit bureau reporting due to debt being paid or settled in full with debt buyer ''. Clearly, HSBC 's summation is not the concern, and this gives the appearance that they simply do not care. These institutions have legal teams with great experience at wordplay, at times this only adds confusion to the consumer but not real solutions to problems that have negatively impacted the consumer through no fault of their own. Institutions like HSBC have no incentive to take my concern seriously. This huge oversight has negatively impacted my credit, and re-victimized my family. See previous reports from CFPB Case # XXXX ( and the attached ) where obscene language and abusive language was also reported -- not from HSBC. Using terms like " Trade Line '' deletion and " all credit reporting that has been done on this account '' are clear terms any consumer would reasonably expect to be honored. Any consumer would have been under the impression XXXX and XXXX XXXX. received permission to enact this promise. There should not be a need for " buried in blueprint explanations '' or exemptions as to why this promise did not or does not apply. If deception was not the intent, then I simply ask for PFS to work with HSBC to " right this wrong ''. 

We are grateful CFPB supervises banks, credit unions, other financial companies, as well as enforce federal consumer financial laws. The small guy can easily become devoured had it not been for your organization 's dedication to law and fairness. 

As it now stands, HSBC has now " dinged '' my credit report, made changes to it, and has done more harm at this sensitive time.
Product: Money transfer, virtual currency, or money service

On XXXX, I received a call from my bank, Wells Fargo. I answered it since that is what appeared on my caller id. The rep, XXXX said he was calling from the fraud department to validate 2 XXXX transactions that they flagged. He said one was for {$990.00} and the other was {$490.00}. He asked if I knew the person, XXXX XXXX with a phone number of XXXX or XXXX. When I said no he then said he needed to get me transferred to XXXX so they can process the cancellation of these transfers he said I would need to provide them with the cancel codes XXXX and XXXX. When he transferred me, the rep said the manager handling the cancellation is XXXX XXXX and then walked me through how to submit the cancel codes through XXXX. After he walked me through the first cancel code, I saw the amount of {$990.00} removed from my account. He then said not to worry, once XXXX finishes the cancellation, it would be deposited right back. He came back on the line and said it would be another 3-5 minutes so he would call me back once it was completed. After about 30 minutes, I got worried and called Wells Fargo back, that is when them told me they did not call me and that it was a scam and the scammers have a way to mirror the bank name and phone number. Wells Fargo then said they closed my fraud claim and had to open a claim with the institution that received my funds and if they return the funds, they will give me my money back. But that doesnt help me with the bills that are supposed to go through.
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Collection/Charge Off : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Personal Information : Name : XXXX XXXX XXXX Former : XXXX XXXX Also Known As : XXXX XXXX Current Address ( es ) XXXX  XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX WA XXXX
Product: Credit reporting or other personal consumer reports

I have attempted already to resolve this issue, but I see that Experian are continuing to violate my federal consumer rights. Per 15 USC 6802 I opt out of XXXX & XXXX being furnished on my consumer report. Under the Privacy Act of 1974 it clearly states, No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. Also, 15 USC 1681b states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. According to the Fair Credit Reporting Act 15 USC 1681a-4, " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy ''. Experian is a consumer reporting agency, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information ''. 15 USC 1681a-exclusions, report containing information solely as to transactions or experiences between the consumer and the person making the report. Then 16 CFR 313 - Privacy of Consumer Financial Information, helps back my point that XXXX & XXXX should not be furnished on my credit reporting 's from what 15 USC 1681a section states. Every company in their agreements with consumers said they would follow the law and agreed to do so. They are aware that they are breaking the law and continue to do so daily with prior knowledge of the law they agreed to uphold for the benefit of the consumers and to not undermine the public confidence which is essential to the continued functioning of the banking system according to 15 USC 1681a-1.15 USC 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Experian is not maintaining reasonable procedures. I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.
Product: Checking or savings account

On XX/XX/year>, I deposited a check for XXXX from the IRS into my account at Navy Federal Credit Union. The bank immediately placed the check on hold and applied a permanent restriction on my account, preventing me from accessing my funds. On XX/XX/year>, I provided proof of the checks authenticity and proof this check was mailed to me XXXX XXXX with the last 4 of my social attached as proof this check belonged to me. Despite this, the bank continues to hold my funds and refuses to lift the restriction.

When I initially inquired about the hold, the bank claimed it was due to suspected check fraud, without making any attempt to verify the check. This accusation was made before any verification efforts, even though a simple call to the IRS would have confirmed the checks legitimacy. I have repeatedly requested that the bank contact the IRS for verification, but they have refused.

Furthermore, Navy Federal Credit Union informed me that the only solution available was to file an appeal. This is both unlawful and constitutes a form of theft of funds, as it forces me to prove the legitimacy of an already verified government-issued check. According to Regulation CC and the Expedited Funds Availability Act ( EFAA ), funds from U.S. Treasury checks, such as those issued by the IRS, must be made available by the next business day. Navy Federal Credit Union has failed to comply with these regulations and has not provided a valid reason or timeline for the extended hold.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I filed a complaint against Wells Fargo as to why they were holding my wire in the amount of {>= $1,000,000}. I filed this complaint with you. 
Complaint Number : XXXX. 
Wells Fargo replied through a woman named XXXX, that said because I was not a Wells Fargo client, I had to go back to the originating bank. 
I called the originating bank on Thursday, XX/XX/year>, after a useless placating phone conversation with this woman XXXX. The originating Bank, ( wire is attached ) emphatically stated that they were not in receipt of the funds, that in-fact the wire left there on XX/XX/year> and was never returned to them. 
On XX/XX/year>, I received a letter from XXXX at Wells Fargo Bank ( attached ) stating the same as the conversation that I already had. 
Well in fact, I am not a client of Wells Fargo but XXXX XXXX XXXX XXXX is and the wire was sent through to Wells Fargo as directed by XXXX XXXXXXXX XXXX Contract with Wells Fargo! 
( See attached document ). Now because Wells Fargo replied to you, CFPB closed the case. This is ridiculous as there has been no resolution. I want CFPB to do more than just pass my compliant to Wells Fargo without a release of my funds.
Product: Checking or savings account

I am filing a complaint with CFPB regarding capital ones failure to deposit my direct deposit from my employer and any other incoming deposits. Capital ine has cited technical issues which may violate the Electronic Funds Transfer act ( EFTA ) as it requires timely access to Funds. This situation raises concerns about consumer protection laws, and i request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Consumer Loan

In XXXX I purchased a XXXX XXXX XXXX. The vehicle defaulted and repossessed for payment in XXXX due to job loss and death of a parent and. In XXXX of XXXX I received a XXXX from a third party to pay taxes on the financed amount. Second incident stemming from the XXXX Serial NO. XXXX. I received a call from XXXX XXXX XXXX in XXXX, Texas on XXXX/XXXX/XXXX. Regarding a school zone ticket for {$430.00} which occurred in XXXX. I immediately faxed over A letterhead from Wells Fargo the lienholder referencing Notice of Our Plan to sale dated XXXX/XXXX/XXXX. I have thoroughly researched and seek further guidance to understand why more than two entities have manage to further allow my identity to be compromised without my knowledge. And what actions should have been taken to initiate updated documentation. Please respond with the next recourse of action. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm personally submitting this complaint regarding late payments on my credit record. Upon reviewing my file, I discovered these late payment entries. Despite sending inquiries over a month ago, I've received no response or adequate validation. I'm now seeking your help to resolve this issue swiftly and effectively.
Product: Mortgage

On XX/XX/year>, I was approved for a reverse mortgage through Finance of America, but would have to wait one year before I could access my equity. I waited the year, then found out they had turned my loan into an 100 % funded XXXX account. They deceitfully kept this change from me and let me think I had the type of loan all my previous paperwork said I would have. After my XXXX XXXX  anniversary I was to be able to access at least {$45000.00}, that's what my good faith estimate stated along with my application documents. Now they state they will pay my insurance and property taxes for the next 240 months. 
I contacted my loan officer, XXXX XXXX, to see what happened and why, and he said he had no idea Finance of America was going to do that or why they would do that. He also said that he works for XXXX XXXX now, and he would refinance my loan for me at a lower interest rate and not charge me any closing costs. He said he felt bad about what happened. He started a new loan for me, then after two weeks he told me to call back in XXXX when hopefully the rates go down. He couldn't do anything for me now. Now I have no way to receive any funds and I was told I can't refinance until 18 months have past since signing original documents. 
And my insurance for my house was due in XXXX, but instead of them paying it they were under the impression I was responsible for paying it. Even though they froze all my money for 240 months. They sent me threatening letters saying I better pay my insurance or else ...... They finally paid it the date it was due.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX- XX/XX/XXXX of 2017, Equifax, one of the three major credit reporting and monitoring agencies, had sensitive data compromised in a data breach that likely revealed information such as : Social Security Number, Drivers License Information, Credit Card Information, and Contact Information to criminal perpetrators of the breach. Equifax provided a website for users to enter a portion of their social security number to determine whether or not they may be impacted. After entering my information on XXXX XXXX, 2017, Equifax 's website alerted me that I was likely affected by this incident. I have added a temporary Credit Fraud Alert through a competing credit reporting agency, XXXX, in the event that my personal information is being misused to open lines of credit, etc. without my consent. I am filing a complaint as this breach of security and my personal information may be highly detrimental to my future plans of taking out student loans to return to school for a change in career, and am seeking means of restitution.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( FCRA ) protects consumers by regulating how credit reporting agencies ( CRAs ) collect and use personal information. CRAs include credit bureaus, medical information companies, and tenant screening services. The FCRA also gives consumers certain rights, such as : Limited access Only people or companies with a specific purpose can access your credit report. 
Dispute resolution Credit bureaus must investigate disputed information and correct or delete inaccurate information within 30 days. 
Free copies You are entitled to at least one free copy of your credit report each year. 
Data security CRAs must follow " reasonable procedures '' to protect the confidentiality of your information. This includes data security, use limitations, and requirements for data destruction.

Notification You have the right to be notified if a financial institution plans to submit negative information to a CRA. 15 usc 1692g dispute debt claim 15 usc 1692a-n fair debt collection act. Privacy Act of 1974. 18 usc 241 rights under color of the law.TILA LAW -This law requires a creditor to disclose certain information in writing regarding the terms of a credit transaction. The two main types of TILA violations that can provide relief to borrowers when a creditor doesn't adhere to the law are violations for damages and violations that allow rescission. Which I have rescinded this contract and my signature if there is 1 I didn't sign it the company forge my signature.
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  Account name : XXXX XXXXXXXX, Account name : XXXX XXXX, Account name : XXXX XXXXXXXX, has violated my rights.

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. 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: Mortgage

I am upset because Freedom Mortgage is refusing to review my new modification packet. Freedom mortgage approve me for a trial offer back on XXXX. I did not take the trial because Freedom mortgage refused to do an appraisal of my property they use a old appraisal in order to modify my loan. Therefore I was fighting the value of my property, because is severely under water and I believe I can be provided a more affordable trial payment based on the current market value. I have paid for my own CMA however Freedom Mortgage refused to take it into consideration. My intentions are to keep my house with an affordable mortgage payment, I want for Freedom Mortgage to start a new review so I can keep my house and become current once again.
Product: Credit reporting, credit repair services, or other personal consumer reports

This unconfirmed accounts listed below continue to report on my credit report despite the previous written requests, in violation of federal law. I dated the previous letter I sent to the 3 Credit Bureaus XX/XX/2022, but I never received a reply. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be validated ( A ). I will take legal action against you if you do not guarantee this account. Please follow the law so that this situation can be settled quickly : XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00}
Product: Credit card

I have been using this company since XXXX. I've been a loyal customer making my payments and worked my credit line up to {$13000.00} over the years. We've had a rough couple of years with inflation and did have to max out the card. I made a large payment of {$8000.00} to lower my credit card usage and increase my credit score. They took my payment and lowered my credit limit to {$9000.00}. Meaning I won't have any improvement to my credit utilization and my total credit is now lower. I made the responsible choice to get this card paid down and they punished me for it.