23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I have had multiple issues with Wells Fargo and their claims process. 

Situation 1 : In XXXX and XXXX of XXXX I had {$23000.00} used on my debit card for companies in XXXX. At the time I was in XXXX, SC which other transactions would show and I did not receive a single notification asking if I authorized these transactions. I didn't get any feedback the entire process nor did I get any provisional credit. I received a notification that my claim had been denied and when I called in they did not give me any specifics. I have never been to XXXX and these transactions should have been flagged immediately. 

Situation 2 : on XX/XX/XXXX I disputed a XXXX transaction due to not receiving the merchandise I purchased. Once again, I received no update other than my claim has been denied. 

Situation 3 : I had a fraudulent loan taken out under my name so I informed the company they can not withdrawal payments from my checking account. The third-party company withdrew 3 payments of {$800.00} and Wells Fargo once again denied my clam even though the third-party company illegally withdrew funds from my account when I told them not to. 

Situation 4 : On XX/XX/XXXX someone used my debit card to make purchases from XXXX in the amount of {$4100.00}. I received a provisional credit and assumed my claim was approved. Two months later I was given a few days notice that my claim was denied and they were taking {$4100.00} out of my account. When I called and asked for more specifics all the agent had to say is they had a picture of my license. I didn't have any opportunity to defend myself or even get a respectable notice that my account was going to be reduced by almost {$5000.00}. 

I have been banking with Wells Fargo since XXXX and I have had a total of 6 claims. 5 out of the 6 have been denied without any explanation and with a total loss of around {$28000.00}. The fact that I am not able to speak with the investigators or even get updates is appalling to me. Faithful customers who have had no prior claims shouldn't have to sit here and wonder if they are getting their money back, and be left in the dark on why it was declined.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous dispute letter regarding numerous inaccuracies, discrepancies, and unauthorized accounts listed on my credit report. Despite my urgent request, I have yet to receive a resolution or confirmation regarding the removal or verification of these erroneous entries.
Product: Credit card

I have called American Express XXXX on separate occasions to inquire about my Hilton Honors XXXX card. One of the card 's member benefits is a {$200.00} semiannual credit towards stays at XXXX XXXX. https : //global.americanexpress.com/XXXX On XXXX, I purchased a night stay at the XXXX XXXX XXXX property . It is an eligible resort property for the credit for {$200.00}. XXXX XXXX XXXX I purchased the advance rate on the XXXX app. It was coded as a XXXX advance purchase. I stayed at the property on the night of XXXX and checked out on XXXX. I incurred an incidental charge of {$1.00} that was charged directly to the property. I received a credit of {$1.00}. This reimbursement informed me that the app purchase is a XXXX issue that is not coding properly to receive the resort credit despite me purchasing/staying at the hotel in reliance of the credit and based on good faith.

In the course of bringing this up to American Express ' attention, I've been given the run around, on one occasion was outright hung up on when requesting a manager, and have encountered line service reps who generally didn't know how to handle the issue. 

I finally got a representative the week of XXXX who understood the issue and gave me a case # : XXXX. I was promised a manual credit for the stay for the remaining semi-annual resort credit balance of {$190.00} to be credited against the {$200.00} charge no later than Thursday XXXX. 

On XXXX, after seeing no activity, I called into American Express. I got a rep who told me that the case got referred to another department and told me resolution is expected to take XXXX weeks. 

The charge was on XXXX. It is now XXXX with the stay already having taken place weeks ago. American Express has indicated that it understands that this is a coding issue and that I'm supposed to get the remaining semiannual resort credit as promised as an XXXX XXXX  provision. I have exhausted my options, can no longer count on American Express resolving this, and now seek CFPB review.
Product: Credit reporting or other personal consumer reports

Re : Dispute of Charge-Off Account under the CARES Act, FCRA, and TILA Account Number : XXXX Creditor Name : XXXX Dear CFPB, I am writing to formally file a complaint against XXXX for inaccurately reporting a charge-off account on my credit report. This action is inconsistent with the protections established under the CARES Act, the Fair Credit Reporting Act ( FCRA ), and the Truth in Lending Act ( TILA ). 

CARES Act During the national emergency caused by the COVID-19 pandemic, I applied for and was approved for a financial relief program provided by XXXX. Under the CARES Act, creditors were required to provide payment deferrals or modifications and report the accounts in a favorable status while participating in these programs. Despite complying with the terms of the program, my account was marked as charge-off, which is a violation of this law. 

Fair Credit Reporting Act ( FCRA ) According to the FCRA, creditors and credit reporting agencies are required to report accurate information. Reporting my account as charge-off is incorrect and unfairly damaging my credit history. I am requesting the CFPBs intervention to ensure that this error is properly investigated and that the charge-off status is removed from my credit report. 

Truth in Lending Act ( TILA ) Additionally, under the Truth in Lending Act ( TILA ), creditors are required to provide clear and accurate information regarding credit terms and any modifications to them. I was not properly informed by XXXX about how the relief program would impact my account or how the status of the account would be reported to the credit bureaus. This lack of transparency is a violation of my rights under TILA.

Request Therefore, I request that the CFPB investigate this matter and require XXXX to remove the charge-off status from my credit report, as the information is inaccurate. I am attaching supporting documents that show I was part of a financial relief program and that this charge-off classification is incorrect. 

I appreciate your prompt attention to this matter and trust that you will take the necessary actions to rectify this situation, protecting my rights as a consumer. 

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

RE : Bankruptcy File Number : XXXX Dear Credit Reporting Agency XXXX After reviewing my credit report I noticed that there is a U. S.

Bankruptcy Court items listed on my credit reports.

Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file.

The original creditor in this case would be the U.S. Bankruptcy Courts. The bankruptcy courts mailed me a letter stating that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. 
XXXX has provided documentation that it could not validate this public record information. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. 

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

This is my XXXX endeavor to tell you that I am a victim of XXXX XXXX and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXXXXXX Balance : - XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : XXXX  XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX. XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never opened a XXXX Credit card with synchrony bank ending in XXXX. I am in the process of disputing this account from my credit reports opened in my name in XXXX and XXXX. The XXXX account shows it was closed and the XXXX account shows it is still active and open. I have been out of the country for over 6 years and never shop at XXXX. Their fraud dept sent me a letter and I am very concerned because this is ruining my credit & the balance is very high. Please help me remove this from my credit history. The credit bureaus advised me to file a fraud complaint with the FTC regarding any fraudulent accounts opened in my name. The second account is XXXX XXXX  and XXXX which I never opened with high balances that were put into collections.
Product: Mortgage

I lost my job in XX/XX/2020 which wasthefirstbtime I contacted my lender, planet home lending. I was advised I would at that point be put into forebearance, which I submitted what documentation I had, my letter of termination. My account was not put into forebearance, when I reached out in XXXX regarding COVID. I have tried to reach them at least once a week since then, Via email as well as phone, with NO response. I have recently had to move my elderly XXXX mother in who needs 24 hour care as well as trying to get my business up and running and sitting on hold for over 3 hours is not feasible anymore and need to find out where I stand and what my options are so I dont lose my home
Product: Debt collection

AFNI COLLECTION AGENCY they send me bill home withe incorrect info, they r claming i owe XXXX monney, i contact them to provide prove to me withe incoming and outgoing calls they r made from thet XXXX number they refuse to do so, i contact XXXX i ask them same question they toll me we dont have any account, i call back afni ask them agian for prove to send me home they only thing is they threating me with law suit and pay as the monney and do not send any affidavit to any goverment agencys they tell me i dont have right to do thet only think and right i have acording to this colection agency is pay monney thet i dont owe any XXXX to them or att, please help me to resolve this issue withe this AFNI collection agency and att ask them to provide prove to you withe any phone calls thet wose made from the phone they r claimg i opend in 2012 i never have any service withe XXXX
Product: Mortgage

Quicken Loans was incredibly responsive and aggressive to get our business for our loan refinance. Our payoff on our existing mortgage was {$230000.00}. I had numerous discussions with the loan officer explaining to him that we were not interested in paying discount points or rolling the cost of the prepaids or escrow balances into the loan. The only thing we wanted in the loan was the actual closing costs we were going to pay. 

The loan officer emails me a screen shot of a rate that beat the other competitors, and showed a loan amount of {$230000.00} - {$1100.00} above our payoff. I asked him to confirm that I was reading things correctly - {$1100.00} in closing costs - and he did so. 

We applied for the mortgage refi on XX/XX/XXXX, paid our {$500.00} good faith deposit, and were fully approved by XX/XX/XXXX. Since then, I've called numerous times to check on the loan, and was told they were having difficulty securing an accurate payoff from our servicer. On XX/XX/XXXX, I called our servicer and was told the payoff had been sent to Quicken repeatedly, including most recently to a specific email address. They also sent me the payoff, which I later had to forward to quicken to get the loan proceeding toward closing. 

I finally get a call from Quicken on Friday, XX/XX/XXXX to outline our closing estimate. Our closing costs were going to total {$5800.00}, not {$1100.00}. Their complaints department escalated the matter, but were unwilling to adjust the closing costs to what was originally promised. 

I have requested my {$500.00} refunded and have been told they have to review all communications before they're able to consider refunding my deposit as it goes toward paying their costs on the loan, like an appraisal, that have already been spent. It's called a GOOD FAITH deposit. I expected them to operate in good faith just as much as they expected me to operate in good faith. Instead, I get a bait and switch.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA XXXX ( XXXX U.S.C. XXXX ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 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: Credit reporting or other personal consumer reports

Upon reviewing my credit reports from each bureau, I noticed that the last payment dates for the aforementioned account differ among them. This inconsistency raises concerns regarding the accuracy of the information being reported. According to my records and the information provided by the creditor, there should be uniformity in reporting this particular account 's last payment date across all three credit bureaus. 
I would like to draw your attention to the Fair Credit Reporting Act ( FCRA ), which emphasizes the importance of reporting accurate and fair information. According to Section 1681s-2 ( a ) ( 1 ) ( A ), credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information they report. The discrepancies in reporting for account number XXXX clearly violate this provision. 
Furthermore, under Section 1681i ( a ) ( 5 ) ( A ), if any information on a consumer 's credit report is found to be inaccurate or can no longer be verified, it must be promptly deleted. Given the inconsistencies in the reporting of the last payment dates for the aforementioned account, I request that you conduct a thorough investigation and take immediate action to rectify these discrepancies.

I kindly ask for your prompt attention to this matter to ensure that my credit reports accurately reflect my financial history. Please provide me with a written explanation of the steps taken to address and correct the inaccuracies within the statutory time frame.OR DELETE immediately
Product: Payday loan, title loan, or personal loan

I keep getting calls from CACi regarding a a payday loan that is over 7 years old. I have paid all my payday loans and have not used payday loans in over 7 years. It keeps showing on my credit report with incorrect dates and they keep calling me even though I have informed them that all my payday loans have been paid and they are trying to collect on something that one, doesn't exist and two, is over 7 years old.
Product: Checking or savings account

XX/XX/year>, I deposited a check into the ATM mistake because it was supposed to be endorsed by mortgage company also... Instead of the check being returned back to me. I believe the bank fraudulent earned interest on that check because my insurance company who issued the check told me the check was cashed. So the XXXX XXXX XXXX could not re-issue me a check. Synovus Bank who cashed the check BUT told me it was endorsed improperly that I will receive a new check. The new check is not what I accept it is a copy on white paper and I do not want that check. If the funds have not been cashed my insurance company should be able to send me a new check voiding the original. I believe Synovus Bank is being unethical because my original check is showing cashed. Which is denying my insurance company from re-issue a new check. ALSO, BRING MY ACCOUNT BACK TO NORMAL ACTIVE STATUS MY ACCOUNT HAS BEEN PLACED ON REVIEW I HAVE BEEN WRONGLY ACCUSED OF FRAUD THE PROBLEM HAS BEEN CORRECTED BUT MY ACCOUNT IS STILL NOT FIXED.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020 my credit score went down 51 points on trans union and 69 points in XXXX. This is strange because I have no new accounts and all my credit cards have been paid on time. I have called trans union but they have been very difficult and were not able to explain why my credit went down by this huge sum. I am worried because my credit has never went down this much for no reason. XXXX  does not have an option for me to dispute my charges making it hard. No one can answer my question and it is proving to be frustrating. I am tired of not getting an answer or being told something generic and off the script. My credit has been reported falsely and I want to know why and I want it fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts were opened frauduantly, please delete as the information reporting to my report is false and identity theft. 

XXXX XXXX card services  {$1200.00} opened XXXX XXXX XXXX card services {$5300.00} opened XX/XX/XXXX XXXX XXXX XXXX {$11000.00} opened XX/XX/XXXX XXXX XXXX XXXX XXXX auto loan opened {$38000.00} XX/XX/XXXX XXXX  XXXX XXXX {$2500.00} opened XX/XX/XXXX XXXX XXXX {$4500.00} opened XX/XX/XXXX XXXX XXXX {$1300.00} opened XX/XX/XXXX XXXX XXXX XXXX  {$7400.00} opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$1000.00} opened XX/XX/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 und

er 15 USC 1681. 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: Credit reporting, credit repair services, or other personal consumer reports

accounts had been opened in my name, this is a written request to block this accounts from my credit report in accordance with FCRA, fraudulent information should be block from consumer credit file. An FTC report had been filed as well as a XXXX police report # XXXX. 
Upon completion of the review please remove all none account holding inquiries and all addresses other than my current to prevent others from using my identity, I also would like a copy of the updated report.
Product: Debt collection

This is a debt for a Visa Card from the XXXX XXXX with a open balance of {$420.00} dollars. 
I contacted them in the effort to settle the account and told them that at the moment I am lay off from my work but I wanted to settle the balance. I told them that at the moment since I am unemployed I can only afford to pay {$200.00} and settle the account. They told me no that the minimum eas {$330.00} dollars.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I received my direct deposit from XXXX in my Venmo account that I had made and completed the identification verification and everything else required to open the account. The same day I received my first payment of XXXX immediately Venmo suspended my account and will not allow me to access the money unless I give them a bank statement on which the money came from. The fact that it was direct deposit from the state of New Mexico workforce XXXX XXXX prevents me from providing a statement. So now Venmo has completely froze my account and will not allow me to close my account or access my money it is now XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # : XXXX XXXX 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 XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 consent.
Product: Credit card or prepaid card

I have a XXXX credit on my credit card. I've chatted in 4 times trying to get a refund from them. They keep saying it's pending review or approval. The bank I have on file is not my bank, but they won't send out a check to me. Tired of trying to work directly with them. I just want my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't have a contract with them! HRj 192 73 c, 15 usc 1605, 15 usc 168 1 b, 15 usc 1692 g, 18 usc 894 15 us 6802
Product: Mortgage

The mortgage lender XXXX XXXX payments and processes division started an internal process to adjust past payments made on the loan. According to XXXX XXXX this started on XX/XX/XXXX. XXXX XXXX put the full balance of payments in suspense triggering multiple phone calls to me stating my loan was past due 6 months. According to XXXX XXXX 's own statements provided to me they show the loan has always been paid in full on the XXXX of each month. 

After 2 more phone calls with managers I was told the payments and processes division was completing the transfer of the money that was in suspense and the account would accurately show it was paid in full. As of XX/XX/XXXX XXXX XXXX miscalculated the amount in suspense by an entire months payment ( XX/XX/XXXX ) thus causing the automatic billing/paymenet for XX/XX/XXXX not to process. 

Currently the account still shows past due and XXXX XXXX has stopped the automatic billing. 

This issue seems to be linked to the original violation Harbor One Mortgage made in selling this loan to 3 debt collectors. Harbor One Mortgage addressed the violation and ensured me the loan would only be serviced by XXXX XXXX.