23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I was approved for a loan modification to a HELOC reset. I was having trouble affording the payment. After signing the agreement a few years later the loan was sold. 
I had a new servicer, SLS, who changed the loan term. They are now charging me a {$30.00} late charge for payments I made the same time as with the previous servicer. 

They accelerated the grace period about a week. That posed a problem for me.. That was the reason for the modification because my source of funds are direct deposited into my bank the latter part of the month. I can only make payment after the funds are in my account. The modification did not specify when late charge would be assessed or amount. The previous lender said late charges may be assessed after 15 days, more like a mortgage See loan statements. This continued throughout the loan with the previous servicer. 

The current servicer, Specialized Loan, responded to my complaint # XXXX with copy of pages from the modification agreement leaving out the disclosures pages that were part of the agreement. They were silent as to late charge and amount. 
The original lender said 'once the modification was is in effect it could never revert back to the original terms '! 
Each loan statement where I made payment on the XXXX of the month NO late charge was assessed and said ... 
Your Home Equity Account has been modified under a Modification Program. This statement reflects the changes made to your account. See attachments The only payment made after the XXXX was XX/XX/2020 in the middle of the pandemic as I was waiting on my stimulus check. I call Specialized to let them know, payment went out next day after received. 


XX/XX/2020 ACH Transaction - XXXX XXXX XXXX XXXX XXXX ACH Credit {$1200.00} {$1200.00}
Product: Credit reporting

To whom this may concern, I have requested my Early Warning, consumer file multiple times via phone and letter, yet I have not receive a copy of my report and have had suspicious activity ongoing in my other consumer files and believe identity theft is ongoing. I am requesting that Early Warning provide me with a copy of my consumer file and please have it shipped via a trackable postal method to XXXX XXXX XXXX, XXXX XXXX, California, XXXX, USA. 

( I have had lots of missing or stolen mail and this requires the use of trackable mail to avoid the document being stolen or lost and exposing more sensitive information. ) For the purposes of fulfilling this request, here is my personal information : Full Name : XXXX XXXX XXXX DOB : XXXX Phone : XXXX SSN : XXXX California DL # : XXXX Address : XXXX XXXX XXXX, XXXX XXXX, California, XXXX, USA. 
Passport Number : XXXX
Product: Bank account or service

On XXXX XXXX, 2016 I was informed by Wells Fargo that a check had been cashed at the XXXX, Florida Wells Fargo branch. It seems that someone had taken an image of a check my wife wrote, created fake checks, and went to Wells Fargo where they cashed the check WITHOUT getting any documents to prove the person 's identity. All Wells Fargo did was check the signature with an old check. The signatures did not match, however, the teller cashed the check anyway. We reported the theft to the XXXX Police department to investigate. The detective stated that Wells Fargo is not helpful in investigations but he would subpoena the bank for the surveillance video. As of XXXX XXXX, 2016, Wells Fargo has not complied with the subpoena. Please see the attached police report. Please force Wells Fargo to supply the surveillance video.
Product: Consumer Loan

I have had several small personal loans by an agency Springleaf which was held by a company in XXXX AL ... I had one renewed and I noticed that everytime I made a payment nothing was being deducted from principal. So when I investigated the previous loans they were the same. So I believe I had been trapped in a predator loan which would never have been repaid back. I am a XXXX and not been well and recovering from a bad case of XXXX. During this time period I suspended payments and I started get calls from several different phone numbers demanding payment in full and threatening jailtime and other very undignified calls. A couple months ago I received a letter stating the company had been sold out and a new loan had been reissued from a Springleaf company at XXXX XXXX XXXX IN XXXX. I keep getting many threatening phone calls all hours of the day and night. Something is seriously wrong with this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX BANK XXXX - THIS INACCURATE AND UNVERIFIED ACCOUNT SHOWS UP ON MY CREDIT REPORT WITH XXXX, EXPERIAN AND XXXX, I HAVE NO KNOWEDGE OF THIS ACCOUNT< I HAVE NEVER SIGNED A CONTRACT WITH THIS COMPANY - I HAVE NEVER SIGNED AN AGREEMENT WITH THIS COMPANY- I HAVE NEVER CONDUCTED BUSINESS WITH THIS COMPANY- I HAVE REQUESTED IN WRITING MULTIPLE TIMES SOME PROOF OF LEGAL OWNERSHIP WITH THIS COMPANY AND WITH ALL XXXX CREDIT REPORTING AGENCIES AND HAVE NOT RECEIVED ANY LEGAL PROOF OR ANY SIGNED DOCUMENTS SHOWING LEGAL OWNERSHIP FROM XXXX XXXX OR FROM XXXX. XXXX OR EXPERIAN, XXXX XXXX BANK HAS NOT SHOWN ME PROOF OF AN ORIGINAL CONTRACT, PROOF OF ANY PAYOFF DISCLOSURE- NOR PROOF OF ANY INTEREST RATE DISCLOSURE- NOR PROOF OF ANY CREDIT INSURANCE-NOR PROOF OF ANY BALANCE OR PAYMENT HISTORY
Product: Credit reporting or other personal consumer reports

After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. This BANKRUPTCY is NOT mine. Please REMOVE it from my credit report IMMEDIATELY! I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address. Please don't send any message of mail asking for proofofmyidentity because they are all attached here.
Product: Prepaid card

Hello, I have a Rush Card. Today I loaded XXXX dollars to my card at XXXX though greendot. Then I called to check my balance to make sure It was credit. It said it was. Later I went online to pay my care note and the system said I have insufficient funds. I called Rush company, they had me on hold forever. I talked to XXXX ppl. Then I finally talked to someone they said they cant locate my money. I provided ref # and everything. All they tell me that they send to higher authority and there 's nothing they can. So now Im out of XXXX dollars and carnote not paid. I read on the internet ppl have not be getting their money. what can we do about our money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently filed a complaint and was not resolved, and the law was not upheld. Equifax did not address how they failed to respond to a few of my dispute letters even though certified mail tracking via USPS confirmed they were left with an agent! The company didn't address my right to privacy being violated. For example, I STILL don't know how companies such as XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX obtained my private and personal nonpublic information to be able to furnish information onto my credit report to nonaffiliated third parties, such as Equifax! How did they get my social security number and who gave it to them??? Another thing that was never addressed by Equifax is that I also never consented to have these companies to furnish information onto my credit report XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. These companies do not look familiar, hence why I asked for physical documentation, such as any original agreements, along with the clear and conspicuous opt out disclosures, which the law states must be " adequate ''. If I am remiss, and actually signed these documents, I need to see them! Furthermore, Equifax never addressed that when a consumer informs the credit reporting agency or original creditor of inaccurate information, they are to discontinue reporting the disputed information until the information is deemed inaccurate or factual. This did not occur! Equifax reported the entire time! Adding dispute remarks does not change the fact the this law was not followed!! Lastly, I did not consent to E-Oscar verification. I do not consent to E-Oscar verification going forward! Equifax never provided me with any real proof or documentation for the methods used during their alleged investigation, which I have the right to request!
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX You are in Direct Violation of the Fair Credit Reporting Act ( XXXX XXXX XXXXXXXX XXXX & XXXX ) ( XXXXXXXX XXXX XXXXXXXX ) ( XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX XXXX & XXXX ) ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXXXXXX & XXXX ), has violated my rights .

15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payments and update this account immediately as you are in direct violation of several laws under the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted equifax on  XXXX   XXXX  ,2017 in  regards to credit inquiries that I did not authorize and did not recognize. I spoke with a representative and explained to her that I contacted equifax a week before because I was having a difficult time accessing my reports, I was informed that someone by the name of  XXXX   XXXX  was attached under my report and social security number. The representative at that time requested for me to send in documents to verify my identity my social security and a copy of my drivers license which I did as requested and they confirmed that they received them. I asked the representative if she could look in to the credit inquiries because at this point I was worried about identity theft, and equifax refused to investigate in to this problem and informed me that they could n't because this was an actual fact of statement, and me as the consumer would have to do the leg work and contact these creditors that pulled my reports. I even spoke with a shift supervisor and asked him if under federal law under the FCRA do n't they have to investigate if the consumer request and he said even still that I would have to get in contact the creditors my self and the only thing he could do is add a fraud alert to my credit report. Which I did. I fell like they should abide by the law.
Product: Credit reporting or other personal consumer reports

U used the loan docs to defraud deceive and XXXX me. You sent me the escrow breakdown to prove u could enforce an escrow account. U ignore the loan docs that say I can cancel escrow. I did cancel escrow. I canceled it with alameda in XX/XX/2022 and multiple times here according to terms in the contract u used against me. U seem to use the contract terms selectively and fraudulently. You knew the escrow was canceled but u XXXX  and XXXX me by billing me for it for a year. U know u never paid for the ins XXXX XXXX. But u refuse to acknowledge any of that and hold course like its all in my imagination. Prove u paid for my home ins XXXX XXXX. Prove that because u keep reporting it on my credit file despite the fact that u cant prove u paid it. U cant prove u paid it cuz it was canceled. But u dont care. U only use terms in the contract to XXXX  me. Prove u paid ins XXXX!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX have been financially attacked in a private game followed by the public when possible. When purchasing things to better my own life, other people have announced they are trying to kill me for not following my dad 's advice, which led to bank accounts and credit cards being closed fraudulently without my permission at XXXX XXXX specifically associated with XXXX XXXX deposits and at XXXX XXXX XXXX for XXXX 's affiliation with presidential campaigns. In addition, specific problems related to banking with college graduates voting and engaging in activities associated with CEO 's taking on my home city using my names occured at XXXX XXXX. Numerous credit inquires continue to appear without my knowledge or personal gain of knowledge hindering my ability to get a job and maintain permanent social housing or to be compensated for brain damage experimentally imposed. Please remove XXXX XXXX from my report an notify XXXX XXXX to return my {$300.00} since we expect to return the credit scores and buy a big house.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my XXXX XXXX. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XX/XX/XXXXXXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

XXXX XXXX XXXX XXXX Case No : XXXX US Bank Fraud Claim XXXX I filed a complaint with the board against US bank. I received denial letters from the bank and contacted the board and the representatives I spoke with each over time assured me that the investigation was still open and that I would be n notified when their investigation was completed. I waited and waited and never received a response from the board notifying me of their response to the investigation. I recently contacted the board only to find out that the board had closed my complaint in XX/XX/2017 response received from the bank ( letter ) '.case closed. There has not been a day that has passed that I have not thought about or believed that the complaint was never investigated by either the board or US bank and I feel that just can not let this go. I want to know what Federal Regulations that US bank states that I did not abide by are. Neither the board or US bank has explained that to me. 

I NEVER gave XXXX XXXX the PIN to my accounts. I DID NOT authorize him to withdraw monies as he saw fit. I did authorize him limited access to my debit card while I was XXXX  but it was only to pay bills by phone and a PIN was NOT REQUIRED for this. Once again, I DID NOT give him permission or authorization to steal my debit card and withdraw any funds from my accounts. 

I want to file a new complaint as I do not feel that US bank nor the board investigated my complaint. I respectively request that the board consider my response to US bank 's denial of my complaint.
Product: Money transfer, virtual currency, or money service

The XX/XX/XXXX I make a wire transfer with my bank mobile app for {$13000.00} US dollars to my brother in law in XXXX XXXX with confirmation # XXXX to be delivery at XX/XX/XXXX. The XX/XX/XXXX I opened my first claim because the money was not credited to my beneficiary, when I contact to Wells Fargo they mentioned the money will be credited by XX/XX/XXXX. In XX/XX/XXXX I opened another claim because the money was not credited like they mentioned me, so I opened another claim requested my money back to my account, I contacted Wells Fargo 10 days later and they requested me 30 days to this kind of claim. I opened another claim because supposedly Wells Fargo contacted XXXX to request the money back and XXXX has not responded. Finally I contacted Well Fargo at XX/XX/XXXX at XXXX XXXX PCT and they mentioned that XXXX credited the money was credited to the beneficiary 's account on XX/XX/XXXX. We opened a claim in XXXX against XXXX with XXXXXXXX XXXX XXXX in XX/XX/XXXX and XXXX provided me with documents that prove that there is NO TRANSFER with the confirmation # XXXX provided by Wells Fargo XXXX 
XXXX is asking me for documents that prove the communication between Wells Fargo because they mention that any communication between them as mentioned by Wells Fargo is FALSE.
Product: Checking or savings account

On XX/XX/year> at XXXXXXXX XXXX., I went into Wells Fargo branch location at XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, for an appointment with the sole purpose of having my existing checking and savings accounts transferred into my relatively recently established Revocable Trust, as a part of my personal estate planning. I provided the personal banker ( as his manager provided oversight ) with my entire Declaration of Trust document and the Employee Identification Number ( established specifically for the Trust ) provided to me by the Internal Revenue Service. The WellsFargo representative made copies of all of my documents, processed the changes in their system and provided me with receipts of the change being made to the three of my accounts that were to be placed in the name of the Trust. On today ( XX/XX/year> ) I received a call from the same Wells Fargo branch representative advising me that the changes were rejected from corporate due to the EIN not being listed in my Revocable Trust. I advised/explained that you can't get an EIN for a Revocable Trust UNTIL the Revocable Trust is executed and you declare that the Revocable Trust has been executed when you request an EIN for the Trust. He insisted that this was the direction he had been given, which I disagreed with as I've had my checking and savings accounts at other financial institutions complete the same transaction without issue. I requested to speak to someone in corporate and was transferred to a WellsFargo representative with whom I filed a complaint regarding this matter and that case number is XXXX. It is known that Wells Fargo has a history of unscrupulous business practices when it comes to people of XXXX, of which I am a part of. People create Trust everyday and transfer their assets into them daily so this additional request makes no sense. But the kicker in the conversation with the personal representative was at the end of the conversation he advised me that this required amending of my existing personal Revocable Trust to include the EIN in the Trust document had to be completed asap or my existing personal checking and savings accounts would be closed. This further infuriated me as i've been an account holder with this financial institution for 20+ years and again none of what the representative state as a requirement made any sense. The personal banker subsequently advised that he/his manager would be filing a complaint with corporate on my behalf but that didn't make sense either and don't trust their internal checks/protocal/oversight given their recent history and settlements.
Product: Credit card or prepaid card

I signed up for a 12 month interest free store credit card through XXXX XXXXXXXX XXXX on XX/XX/XXXX to purchase a pair of diamond earrings. I received the earrings however I'm getting charged a very high interest rate. Payments are made through Synchrony Bank. I spent over an hour on the phone XX/XX/XXXX with both XXXX XXXX and Synchrony and neither resolved the issue. Synchrony said they'd open a ticket to notify XXXX XXXX to update my account with the interest free promotion. 

XX/XX/XXXX I get a call from stating that XXXX XXXX is denying that I even have an account with them and not honoring the interest rate!!! How do I not have an account when I have the card right in front of me?! I have my receipt of the earrings as well even stating my promotional interest rate!!