23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On Monday, XX/XX/XXXX and Friday, XX/XX/XXXX, I called Wells Fargo to talk about options for mortgage payments. I have a XXXX XXXX XXXX XXXX working with XXXX at XXXX XXXX. Obviously, I am unable to hold XXXX  XXXX and thus unable to earn my usual income. I wanted to defer my payments for three months and have them added to the end of my loan as other banks are doing. After waiting on hold for over an hour both times, I was told that Wells Fargo would not be offering deferral of payments at this time. I was given the vague option of paying less than the amount due without risk of late penalties, but not given an answer as to what this would me to me after the three month period. Very clearly, I will not be able to make up for missed payments at the end of three months, nor do I want to have higher monthly payments going forward. AT the very least, this bank should be able to tell me exactly what they are offering in the way of assistance during this time of crisis. This a perfect example of a large corporation having zero compassion and concern for their customers. Please force Wells Fargo to provide deferral of mortgage payments to those of us adversely affected by lock-downs.
Product: Debt collection

Unifin is sending me text messages at XXXX XXXX which is not a reasonable time to text anyone regarding debt.
Product: Mortgage

In my divorce it states that my ex husband is responsible for everything with the house. I signed a quit claim deed in the process as well. I am the primary borrower and he is the secondary borrower. I found out that he modified the loan without my permission. I called the lender to see if he had signed my name. They said they only needed one signature. I explained that I know you always need everyone 's signature. They stated that since I signed a quit claim deed they did not need my signature. After signing the quit claim deed I found out that the quit claim deed has nothing to do with the loan. After explaining this as well they told me sorry that 's the way it is. I stressed if they do n't need my signature then they do n't need my name on the loan and to remove it. They said that was not how it worked and just kept repeating that 's the way it is.
Product: Debt collection

For the course of several months, i have tried to close my Paypal account because they excessively charged my checking account for charges they should not have. They claim I have a business account with them and that I owe a Pay monthly to them. I have asked for proof and all they say is that because the debt is over two years it will not show online and I need to call in to an account specialist and speak to someone. I have asked for it in writing and they will not provide. They also will not close my Paypal account. I had to block them from my checking account to get the charges to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is incorrectly showing up on credit report as it has already paid.
Product: Checking or savings account

When I was trying to pay the administrative fee to the UXXXX XXXX XXXXXXXX for my housing application, I tried to pay the fee from my checking account. However, for some reason, that payment is unsuccessful and I was notified by the company that I would be responsible for a {$50.00} payment unsuccessful fee. I also contacted my bank, and they did not provide me with any valid explanation in regard to the reason they stopped that payment. There was enough funds in my account and I have been having no idea why that payment was blocked. The only thing I know is that I am responsible for that {$50.00} fee ( which is unfair to me ).
Product: Debt collection

they call all the time.i said i would pay XXXX a month and that 's what i do. it was a mobile home i let go back. so they gave it away an i have to pay the balance. they do n't send you a balance or anything to let you no they received your money.
Product: Credit reporting or other personal consumer reports

After several attempts Ive sent over documents providing why it should be removed and supporting documents
Product: Checking or savings account

On Friday, XX/XX/2022 I was working on a project that required a plug in tool to assist. I had been using a free version with so many calculations before it stopped and told you to pay for the tool. Since it was helping and I had several more calculations needed I decided to buy the tool for a month of service with the intent to cancel after my month of use. 

I click the link for the plugin and am taken to a website for sign up and payment. I click to subscribe, and it takes me to a payment screen. I verify the details and set up payment using my debit card. It processes and I'm taken to the next screen to begin my account set up - choosing a username and password. However no matter how many times I try I can not get it to work. I take a look at the submit button from XXXX 's inspect function and see it doesn't do anything. So then I look for a FAQ, chat bot or phone number ... Something to contact them for help. There's nothing listed. I search XXXX and the only thing I find is others that had signed up and never received anything either calling it fraud and a scam. 

I realize I should have not trusted it just because it was a direct link and tool from a trusted source, I also realize that I provided my details for a payment authorization ; however, when I called my bank Axos they told me there was nothing they could do and opened and closed a fraud case saying it was my responsibility to contact the company and cancel directly. This was after two direct phone calls where I told them over and over the same points : 1 ) I did not receive a service I paid for.

2 ) I am not able to cancel as there is no information for a phone number, physical address, chat bot or anything I can find when XXXX 3 ) Many others have shown this is fraud after the fact 4 ) It's a monthly subscription fee that I need flagged and declined I asked to speak to managers, I asked for more assistance. I couldn't understand how a blatant scam could be more protected by my bank than my funds and transactions. The guidance I was given in writing with my declined fraud claim was that I will need to cancel directly through them since I made the payment otherwise there is absolutely nothing my bank will do. No option to shut down the debit card number to stop further transactions l, no option to flag and decline all incoming transactions. 

How do any fraud claims get approved if this is the outcome in such an obvious scam. Yes, I made a mistake, but where are the protections in place to help me have peace of mind for my finances?
Product: Credit card or prepaid card

On XX/XX/23, I received a CapitalOne credit card in the mail that I did not apply for. I called CapitalOne fraud department to report it as fraudulent. They said they would investigate the fraud claim and report the findings within 90 days. They would not keep the account from being reported to the credit bureaus, but said they would inform the credit bureaus of the results of the investigation. I did not open this credit card and I do not want it to be reported to the credit bureaus.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

Santander Consumer USA Took over the car loan from Gateway One Lending & Finance. There was no communication from them. I only realized this when i sent an email to Gateway and was informed that the account is with Santander. I had to try to create my own log in to to get an account number, which this information wasn't provided. i have emailed them three different times about paying the car loan off. There has never been a response back from them.The customer service sucks and they should never be in business. I have sent a payment in full for the car and asked when I would receive my title, and i haven't received a response. When i go on line it still shows the amount due, I sent a check for XXXX, I don't know what type of scam they are running. Both of these companies have left me in the dark about communication and about my loan.
Product: Checking or savings account

PayPal continuously refuses to close my account when asked while charging multiple random amounts to my account using payments that dont show a merchant code, and deleting the transactions afterwards.
Product: Mortgage

Regarding : Personal data stored by NACA To Whom It May Concern : I am contacting you in the hope that you can assist in my efforts to secure my personal information being held in the database of The Neighborhood Assistance Corporation of America, ( NACA ). 
I had been working with The Neighborhood Assistance Corporation of America ( NACA ) starting in XX/XX/XXXX until XX/XX/XXXX of this year, trying to get their assistance with their XXXX XXXX XXXX  promise. After several unfruitful meetings where my service agent did not show up, promises of telephone consultations that were not fulfilled and lack of communication and follow-up, I decided to sever my connection with this organization and seek financing elsewhere. 

I have made several attempts to get my personal information removed from the database and website storage of The Neighborhood Assistance Corporation of America ( NACA ) including emails to the XXXX office manager. ( I had a web conversation with a service agent on XX/XX/XXXX as well, who said she would resolve this issue. ) While it appears that I may be able to delete some of my personal information myself, other data still shows in a format inaccessible to me. As of this date, my personal and financial information still appears when I log on to their web site, https : //www.naca.com/. ( Our NACA account # shows inactive, but is still valid to log into the website. ) I am hoping that you will have some avenue of contact and influence in this matter of securing and removing my personal data and financial information from this company. I am concerned, due to the manner in which they dealt with me, that my information might be vulnerable, or shared in an inappropriate manner. We have already had an issue with our credit reports due to the handling of our information and would like to prevent any future problems. 

Please let me know of you are able to help or if you know of another avenue we should pursue to achieve our goal.

Respectfully,
Product: Credit reporting, credit repair services, or other personal consumer reports

See the documents attached. 

This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Customer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. these actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

There are several inaccuracies on my consumer report that i would like removed all names and variations of any names should not be present on my credit report under the name section I would only XXXX XXXX on my consumer report. no other names. There are several non mailable addresses that I can never be reached at on my consumer report that i would like removed. only the address XXXX XXXX XXXX, MI XXXX should be present on my account Accounts XXXX XXXX Have the derogatory remarks that i want removed pursuant the laws that protect me the consumer found in XXXX XXXX Code XXXX remarks : - '' Payment Status Charge-off '' - 30 days late XX/XX/XXXX, XXXX, XXXX. XXXX, XXXX - 60 days late XX/XX/XXXX - 90 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Hard Inquiry Per 15 USC 1681 Permissible Purposes, I want this hard inquiry removed from my consumer report SXXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX is reporting a collection account onto my consumer report that is identifiable by the following information XXXX XXXX XXXX this account is listed as XXXX XXXX XXXX XXXXXXXX Placed for collection : XX/XX/XXXX Balance : {$430.00} Date Updated : XX/XX/XXXX Original Amount : {$430.00} Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ( Banking ) Past Due : XXXX $ XXXX Account Type : Open Account Individual Account Open Account DEBT BUYER On XXXX this account is listed as XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX, Balance {$430.00} Balance updated XXXX XXXX, XXXX Original balance {$430.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Debt Buyer Status Collection account. {$430.00} past due as of XXXX XXXX. Status updated XX/XX/XXXX On XXXX its reported as XXXX XXXX XXXX  Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) Account status Open Type No Info Responsibility Individual Account. Remarks Consumer disputes after resolution Collection account Original Creditor Name No Info according to the FCRA, Section XXXX, It is not lawful for a collection account to be reported in the status of Open if this account is being reported as a collection this account should be is closed. This account must be removed based on the false and misleading reporting stats of reported as an open account. As a consumer based on XXXX XXXX XXXX - Accuracy of information, statements and data & XXXX CFR XXXX - Responsibility for accuracy, completeness, currency, And integrity.i am asking that this inaccurate information be removed Immediately
Product: Credit card or prepaid card

Account name is XXXX Bought a new apple computer under Goldman Sachs XXXX XXXX Apple 's XXXX % for XXXX months deal. Received the computer around XX/XX/XXXX. Problems with the computer, and Apple told me I needed to buy a better more expensive one. To buy the new one on Apple card, they told me I needed to add money to the Goldman Sachs account since I did not have a high enough limit. 

Called Goldman Sachs, with the Apple rep on the phone on or around XX/XX/XXXX. Paid using ACH in that phone call.Here is that transaction record for {$3300.00} Posted Transactions XX/XX/XXXX APPLECARD GSBANK PAYMENT XXXX XXXX XXXX XXXX {$3300.00} Details Category : XXXX XXXX Credit Card Payments On or around XX/XX/XXXX, Apple had me return the laptop, and rebuy it using cash. Therefore, my entire {$5000.00} original balance became available to me, plus Goldman Sachs still held the additional {$3300.00}. I called Goldman Sachs on or around that same day. Goldman Sachs XXXX Apple Card call center ) promised that it was refunding me the {$3300.00}. 

The money has not arrived. I called Goldman Sachs again today. They admitted that in fact they had not taken any action to return the money. They admitted that it is my money. Although there is no dispute, they said that they are initiating a " dispute '' and that the soonest they will return the money -- which they essentially borrowed from me for no reason -- is XXXX days from now. 

At this point, they are holding my money that they admit is mine. That is stealing. I told them they are required to send my money back right now. 

All the Best, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax on XX/XX/2018 to submit disputes on line. They said they would advise me of up dates and never did. Then when I tried to check the results it would not let me download. Then I tried to chat and call someone and can not get any help. They did not advise me of results within 30 days so these items should be taken off my credit report.
Product: Mortgage

My home was foreclosed XX/XX/2014 & we had modifications through a previous lender Homeward when it was sold to Ocwen. I believe out modification, loan, payments, & foreclosure was mishandled. 
We have contacted Ocwen on several occasions with no response to the information we requested.
Product: Mortgage

The previous mortgage servicing company, XXXX, apparently went out of business and the new mortgage company, Newrez took our account over on XX/XX/XXXX of this year. I had to wait until XX/XX/XXXX to make my payment online because Newrez was not prepared to process payments until then. I have always made my payments online and almost always on the first of the month. When I went to make my payment I found that the site was charging me {$1.00} to make the online payment. I called Newrez and their representative assured me that the site should not have that charge on it and that I would be reimbursed. I went online to make my XX/XX/XXXX payment only to find that the site again is charging {$1.00} to pay online. This is a violation of my mortgage agreement and Newrez is perpetrating a fraud on myself and other mortgagees. 

I sent an email to Newrez via their " contact us '' link on XX/XX/XXXX indicating that I wanted action taken on this matter. I advised them that I would contact the Federal Consumer Protection Bureau if they did not get back to me. I provided them with my phone number as requested on the Newrez " contact us '' site. I have not gotten any call.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/year> To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : XXXX. I was never late on this account. 
XXXX XXXX ( XXXX  ) Account Number XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please correct/update this inaccurate information on my credit report. 


XXXX. I was never late on this account. 
XXXX XXXX ( XXXX XXXX XXXXXXXX XXXX ) Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please correct/update this inaccurate information on my credit report. 





In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file.

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you, XXXX XXXX
Product: Mortgage

I applied for a mortgage loan with Bank of America on XX/XX/2022. The closing date I was given was XX/XX/2022. I began the process of submitting all necessary files the mortgage agent. The goal post was constantly moved and the demands request by Bank of America were extremely contradictory and inconsistent. They made serval attempts to deny my loan but could never fully articulate to me what was the reason for denial. They waited until the day of closing to deny my mortgage loan. While failing to state what the reason for denial. Based on the actions of Bank of America, I am under the impression that I have been discriminated against. I wrote a 5-page letter direct to a Vice President Lending Market Leader. I will attach said 5-page letter.
Product: Mortgage

Wells Fargo foreclosed on house saying I missed 6 payments, then sent an agent to tell my tenants that they would have to move, they would not listen to what I had to say, so I sold every thing I owned and moved so I could pay what they said I owed then they listened and I sent copy of receipts, that was the last I heard from them, I was unavailable, for month, maybe they tried, I am available now.
Product: Checking or savings account

I opened a checking account with Citibank, NA in late XXXX or early XXXX because of a promotion promising XXXX Citi Thank You Reward points, which I received in early XXXX. 

Yesterday, I got an email from Citibank informing me that my checking account was overdrawn by {$380.00}. Upon investigation, I learned that they had : 1. Retroactively decided I was n't eligible for the points ( not sure why ), 2. Valued, the points at {$500.00}, and 3. Unilaterally, and without notice, debited my bank account {$500.00}, placing it in overdraft. 

Here is a direct quote from today 's chat : XXXX, XXXX XXXX XXXX : Upon checking, our Back office were able to determined that the account is not eligible for the Thankyou points or the promotion. And XXXX Thank you points are equivalent to {$500.00}. That is why {$500.00} was debited to the account,
Product: Checking or savings account

Dear Bank of America NA, My claim, {$6000.00} was reopened up after submitted an additional information on XXXX/XXXX/2023 XXXX/2023 It closes back on XX/XX//2023. This claim is similar to claim # XXXX and claim # XXXX where it was favored to me. It sent out a resolution letter, saying that, they re-evaluated within one business day, usually it takes up 10 business day. 

Sincerely, XXXX XXXX