23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Several years ago, my mortgage was sold to Nationstar. Earlier this year I fell behind on my Nationstar ( now re-named Mr. Cooper ) mortgage payments and started getting past due letters. I have been making payments the last 4 months and even sent an extra {$500.00} in XXXX and XXXX. Still I have n't been able to catch up. In a letter dated XX/XX/XXXX they said I owed {$5700.00} but when I spoke with someone in late XXXX by phone, they said if I sent {$4500.00} to them it would bring me current. They did n't provide any written statement to back that up. I am hesitant to send in any monies until I can obtain a full accounting of my payments and my current balance. 
The first sentence on the letter says " If you are represented by an attorney, please send this letter to your attorney ''. So two weeks ago ( XX/XX/XXXX ), at the urging of my family, I consulted a lawyer who had me sign a Power of Attorney ( POA ) form so that he could speak with the mortgage company on my behalf. He faxed it in on same day XX/XX/XXXX and followed up with a phone call and was told it would be 2 - 4 days before the POA would be " processed '' and until the processing was complete they could not speak with him. So by XX/XX/XXXX, the processing should have been done. 
Today is XX/XX/XXXX. My lawyer has called every other day since XX/XX/XXXX, he 's been put on hold for 15-30 minutes each time and either ca n't get through or he reaches someone who says " we 'll call you back '' and then they either do n't call him back or they call back at non-office hours. They wo n't give him a direct number to call to bypass the wait time and they wo n't make an appointment with him to discuss my case. My lawyer wants to obtain a full accounting of my payments and balance due after which my family will help bring me current. 
There are a lot of complaints logged for Nationstar in the XXXX XXXX XXXX database many alleging that they overstate the amount owed. I 'm hesitant to send them the amount they tell me I owe them because if it is n't correct, I 'm sure I 'll never get it back. So the charges are piling up ( to their advantage of course ) while I 'm trying to get them to work with me and my lawyer to bring me current. 
Nationstar/Mr. Cooper is stonewalling us to their financial advantage, racking up more fees each and every day that goes by.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  are not investigating the negative accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and I have never received ANY communication from the bureaus to show that my multiple requests are being looked into. My most recent credit report shows the following accounts as not in dispute, when in fact ALL of these accounts are in dispute. ( Please see pages attached from my credit report for reference. ) The accounts are as follows : XXXX XXXX XXXX  partial account number XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX - XXXX ; XXXX XXXX - XXXX ; XXXX XXXX - XXXX ; XXXX : XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX. These line items are in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. Again, I have contacted the bureaus multiple times to review these accounts however, I have not been successful.
Product: Vehicle loan or lease

They cash my last payment XX/XX/XXXX and they havent release my title, I called about six times and they always say the same way 2 more days and nothing happened
Product: Checking or savings account

I am writing to formally file a complaint against Chase Bank due to a series of troubling issues with my account, which have caused significant distress and inconvenience. Below is a detailed account of the events : Description of the Incident : In XX/XX/2023, I started working with a new company and relocated to New York at the end of the month. Following recommendations, I opened a new account with Chase Bank. 
- In XXXX, I received physical paychecks and deposited them into my new Chase account via mobile deposit after confirming the procedure with my banker. I also began using my credit card and accessing funds from the account. I transferred some money to my brother in XXXX, XXXX XXXX, and added him as a beneficiary to my account. 
- Approximately XXXX days after these transactions, I attempted to log into my account and received an alert indicating that my account had been suspended due to suspicious activity and was under review. I reached out to my banker and Chases customer care via email and several long phone calls to inquire about the suspension and seek resolution - to which the only response I received was This matter is under Chases backend team and we do not have adequate information to reveal, the bank has decided to shut the account - My banker informed me that the issue was no longer under his purview, despite being my designated relationship manager. Customer care provided vague and unsatisfactory responses, citing that a backend team was handling the issue and that they could not release my funds or disclose the reasons for the suspension due to confidentiality, which I allegedly consented to. They indicated that some verification was pending, requiring my employers name and number, which I promptly provided. 
- Despite providing the required information, there was no progress. My account remained suspended, and I faced the following difficulties : - XX/XX/XXXX : My account was closed. 
- XX/XX/XXXX : I visited the bank in person to address the issue. 
- XX/XX/XXXX : I provided additional verification details. 
- XX/XX/XXXX : I called again, only to be informed that no further assistance could be provided until the due verification was completed with the issuer of my pay-checks. 
- Note, all necessary details from my end ( employer name, designation, number ) was provided- however I was told that this would not be sufficient and they require some other number - Approximately XXXX funds are currently withheld by Chase till date due. 
- Until the last call made, my online banking services were also blocked with no due reason and I had to request them multiple times to at least activate that so as to access details about credit card transactions, which was eventually done.
Product: Credit reporting, credit repair services, or other personal consumer reports

My two credit card accounts with American Express were opened XXXX XXXX, XXXX XXXX and XXXX. I set up automatic payments with the company. Everything was fine until around XX/XX/2017 when I told AMerican express, via phone, that my bank account on file experience fraud and I had to change the payment account with american express to another due to this. We changed the payment account over the phone. The next payment was never taken out of my new account. American express kept on trying to take it out of my old account. I did not realize this because they never called me and I set up auto pay with my new account. It took a while for me to realize it. This is when they closed my account in XX/XX/2017. I would like to have the charge off and closed account removed from my credit because this is the fault of American Express. I've reached out to American Express several time throughout the years and tried disputing it with them and the bureaus so I turned for CFPB because no one would listen. I filed a police report and a report with XXXX XXXX. American Express should check their phone records to verify what I'm saying and remove this account from being reported to the 4 major credit bureau agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting a collection account on my credit report. However they are not licensed in the state of virginia to purse any debts. i have attached documentation.
Product: Credit reporting or other personal consumer reports

I cosigned loans for my granddaughter, and she has been in forbearance with XXXX student loans since XXXX of XXXX, because she was struggling to find a job post-graduation. She was enrolled in their Forbearance Extension Program, and ended enrollment in XXXX of XXXX. She was then put on a month-to-month forbearance program, where she would have to call each month to get an extension. She called XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. In the beginning of XXXX I received notice from my credit company that there were default of payment 's sent to the credit bureau. She has been in forbearance the entire time and was not required to be making payments, per the rules of XXXX 's forbearance program. When she reached out to XXXX to understand why they reported to the bureau, they stated they " have no idea and it is not our problem to fix. '' They did offer a consolation prize for their mistake, and they put her on a new 6-month forbearance program, which she is currently still enrolled in. I am writing this complaint, as XXXX has been extremely aggressive and threatful to her during this entire process, and at times have even yelled at her that they will " take everything I own or my co-signer owns. '' We have been nothing but terrified of XXXX and it caused her to experience major XXXX  and panic during every phone call she had with them. 
At the beginning of this month the loans were sold to XXXX XXXX. In speaking with them, they are continuing the forbearance period for her loans. They also stated that the treatment we got from XXXX is unprofessional, unjust, and unfair, and it was XXXX 's responsibility to remove it from mine and hers credit since she was in a lawful forbearance program and it was XXXX 's error. XXXX is just refusing to do so. XXXX advised her to reach out to a manager at XXXX, and when she reached out they stated it was " not our problem we sold your loan to a different company. '' She then called XXXX and let them know the unlawful treatment she received yet again, and they advised her to reach out to CFPB and submit a complaint. 
This is causing unnecessary stress for me right now as my wife is going through XXXX treatments. This has gravely impacted both of our credit scores, and going through treatment her and my cards are now being declined. I am in need of assistance in trying to remove the default notices off our credit reports. I do not understand how a loan company can get away with such maltreatment of their customers, and I am very hopeful someone can help from CFPB. I would appreciate if this could be done promptly, due to the financial impact it is having on my wife receiving her XXXX treatment.
Product: Checking or savings account

Dear Sir/Madam, I opened my bank account with PNC Bank in XXXX XXXX XXXX XXXX, however, soon after, the local branch unexpectedly closed and I found the nearest branch to be too far away for me to use without incurring additional transportation costs as the only way to use the bank would have been by using taxi which will be too expensive for me. Bank put my account in Dormant status and even blocked my access to the account. Despite my inability to use the account, I was charged a XXXX XXXX monthly fee for account inactivity for four and half years, and these charges continued even though the account was in dormant status. To my surprise, the bank never informed me of the dormant status, nor did they attempt to reach me through the phone number or email address they had on file. Additionally, I was never informed of the monthly {$15.00} fee at the time of account opening. This is a complete breach of customer trust and I would like the consumer protection bureau to help me recover my hard-earned taxpayer 's money from this unethical financial institution. 

I was charged this fee for almost 4.5 years before I became aware of this unethical practice. When I brought it to the attention of the bank, they only refunded me for a period of six months and refused to refund the charges for the remaining 4 years. 

I respectfully request your assistance in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with Affirm which I did let go past due, but I paid it off in full not long after. XXXX has reported and is still reporting the account as open & late, even though it has been paid in full and should be closed. I have disputed this report & the status was not changed.
Product: Credit reporting, credit repair services, or other personal consumer reports

EOS CCA has been reporting an open account on me credit report since XXXX. 

My account was closed by XXXX in XXXX. 

The company keeps re-aging my debt, most recently from XX/XX/XXXX ( from XXXX ) to now XX/XX/XXXX.
Product: Credit reporting

I am filing a complaint in reference to a dispute for accounts that are being reported incorrectly on my credit report XXXX Bank who holds accounts for XXXX XXXX XXXX. The have continously ignored my request to conduct a proper investigation and report the correct account information. They have not provided me with the documents that their company have on file that was used to verify the accounts. I have sent numerous letters requesting these documents that they have yet to send. I 've contacted to original creditor and they could n't even provide me with the proper information so how could the credit bureau verify this? Under Section 611 ( 5 ) ( A ) of the Fair Credit Reporting Act- they are requested to " promptly delete all information which can not be verified '' that I sent correspondence on. I would like this matter resolved as soon as possible. This is really disrupting my livelihood the blatent disregard to send me the information requested and verify this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2021, I have had three collection accounts removed from my credit report because of a company error. Although the collection accounts have been removed, I do not see an increase with my credit score. I would like to know why my score has not increased since the removal of the negative accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to notify CFPB and Credit bureaus my rights as a private woman and consumer is being violated. Upon reviewing credit reports I see Account name : XXXX XXXX ACCOUNT # XXXX* under 15 us 1681a ( d ) ( 2 ) ( A ) ( ill ) The Credit Bureaus and XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX is breaking the law furnishing to my credit reports without my consent the law clearly states - I the consumer must be granted the opportunity to deny any information being communicated on my consumer report '' AND any and all claims MUST be verified with proof before placed on my credit profile- There exist no verified proof nor consent by me, authorizing XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on my credit reports ; they must be deleted. **** I HAVE a RIGHT TO PRIVACY AND 100 % ACCURACY on my credit reports. Additionally, All mentioned parties do not have correct information furnished on my credit report pertaining to my legal name and resident address. I really believe this may be a case of mistaken identity and or identity theft.
Product: Debt collection

I pulled my credit reports today, XX/XX/XXXX, and noticed fraudulent activity. There should be no accounts, only my student loans. Earlier, I called the account creditors to let them know these are fraudulent accounts. The accounts are listed below. 

- Capital One  in the amount of {$3700.00} was opened on XX/XX/XXXX. 
XXXX XXXXXXXX XXXX was opened on XX/XX/XXXX. 
XXXX XXXXXXXX XXXX for {$610.00} date opened is unknown. 
XXXX XXXX for {$4800.00} dated opened XX/XX/XXXX -XXXX XXXX XXXX of {$1400.00} date opened unknown. 

I did not open these accounts.
Product: Credit reporting or other personal consumer reports

Experian has violated 15 USC 1681, the FCRA, on multiple occasions. They use stall tactics to delay the dispute process and allow items to remain within my consumer report without my consent. They also actively violated 18 USC 1028A as a non-affiliated party to any account reported within my consumer report. According to XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. 2016 ), a consumer report is considered a medium of communication and is thus subject to cease and desist requirements. According to the IRS an unpaid charge-off ( XXXX XXXXXXXX account ) is income and according to the FCRA income can not be reported on a credit report.
Product: Credit card or prepaid card

From : You Sent : Friday, XX/XX/XXXX, XXXX AM ( XXXX ) To : Comenity Bank Subject : Payments Message ID : XXXX i made a payment via XXXX XXXX XXXX XXXX XX/XX/XXXX electronically, in the amount of {$400.00}, which Bank says cleared XX/XX/XXXX, but not reflected when I log in XX/XX/XXXX, and review transactions/statements. 

From : You Sent : Friday, XX/XX/XXXX, XXXX PM XXXX XXXX XXXX To : Comenity Bank Subject : Re : Payments Message ID : XXXX I spoke with Comenitys `customer service XX/XX/XXXX in XXXX who after reviewing the payment I made to our closed account XXXX,, who was nice enough to write a letter internally to have the {$400.00} reapplied to my current account umber XXXX, who said it could take a week. I also issued a payment in the amount of {$29.00} through XXXX XXXX XXXX XXXX dated XX/XX/XXXX, which since via mail scheduled or antipathy to be delivered XX/XX/XXXX. Shame the address for mailing payment to Comenity, - My BJS Perks XXXXXXXX XXXX XXXX XXXX, XXXX, Texas XXXX, only accepts mail from XXXX XXXX XXXX XXXX instead of a electronic payment system. 

HAD COMENITY BANK, when they received the {$400.00} on XX/XX/XXXX to our closed account, rejected payment because account was closed or immediately sent notification to the old account number telephone number and email on record, payment of the {$400.00} could have been reapplied to the new account number. The gentleman I spoke with who supposedly wrote the internal letter to have money transferred to the new account, I hope was telling the truth. I received a email last night saying funds have not been received. 

I see the very, very, very poor rating of Comenity on the XXXX, and now regret getting the new account under my names versus the closed account under my deceased wifes name.
Product: Money transfer, virtual currency, or money service

Dear Sir/Madam, I am writing to formally file a complaint against Wells Fargo regarding a recent incident involving a failed XXXX payment . Despite my repeated attempts to resolve the matter directly with Wells Fargo, I have encountered significant obstacles and remain unsatisfied with their response. 

On XX/XX/2024, I utilized Wells Fargo 's services to send a {$100.00} XXXX payment to a recipient who is registered with XXXX and is also a customer of Wells Fargo. The intended recipient 's details are as follows : Name : XXXX XXXX Phone Number : XXXX However, despite the deduction of funds from my account, the payment was never delivered to XXXX XXXX. Despite my efforts to seek clarification and resolution through multiple calls to Wells Fargo 's customer service, I have been met with evasive responses and a failure to address the issue effectively. 

According to Wells Fargo representatives, the failure to deliver the payment was attributed to a purported token issue within their system. Despite this acknowledgment, Wells Fargo has refused to accept responsibility for the failed transaction, claiming that it falls outside their jurisdiction. 

Not only has Wells Fargo failed to deliver the funds to the intended recipient, but they have also neglected to provide any information regarding the whereabouts of the money. Furthermore, despite my insistence, they have failed to initiate the refund process. 

I believe that, given Wells Fargo 's history and pattern of fraud, their handling of this matter constitutes a blatant act of fraudulent behavior and a violation of consumer rights. As such, I am seeking your intervention to ensure that Wells Fargo fulfills its obligations to deliver the funds to the intended recipient or issue a prompt refund. 

I urge you to investigate this matter thoroughly and take appropriate action to hold Wells Fargo accountable for their actions. Additionally, I request that measures be implemented to prevent similar incidents from occurring in the future and to safeguard the rights of consumers. 

Thank you for your attention to this matter. Your office will take the necessary steps to address this complaint and ensure a satisfactory resolution. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax Dispute Department, I am writing to express my frustration and concern regarding the Portfolio Recovery A account that remains listed on my credit report. Both XXXX and XXXX have removed this account after my disputes, yet Equifax continues to report it. I am formally requesting that you remove this account from my credit report within the next 15 days. 

I have repeatedly disputed this account with your agency, only to see it come back updated and verified without any proof or documentation of its verification. I am exhausted from the ongoing disputes and lack of clear evidence supporting its continued reporting. 

Additionally, I am fully aware of the Consumer Financial Protection Bureau ( CFPB ) lawsuit against Equifax for inaccuracies and failure to properly investigate disputes. Your failure to comply with the Fair Credit Reporting Act ( FCRA ) by continuing to report this inaccurate information puts you in a precarious legal position. 

Should this account not be removed from my credit report within 15 days from the date of this letter, I will have no choice but to pursue legal action to protect my consumer rights. I sincerely hope to resolve this matter amicably without escalation. 

Thank you for your prompt attention to this urgent issue. 

Sincerely, XXXX XXXX