23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to conduct a proper investigation into my disputes and for accusing me of using an unauthorized third party to submit my request. I mailed a dispute letter to Experian, disputing inaccurate personal information and accounts on my credit report. 
To ensure my identity was properly verified, I included the following documents with my dispute : A copy of my government-issued ID A copy of my Social Security card A recent bill showing my current address I mailed my initial dispute letter on XX/XX/year>, via USPS certified mail ( tracking number XXXX ). On XX/XX/year>, I received a response stating : " We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. '' This response is puzzling, as all prior communications were sent directly by me and included all required information. 
According to the Fair Credit Reporting Act ( FCRA ), Experian is required to conduct a reasonable reinvestigation of any disputed information in a consumer 's file. It appears that Experian has violated my consumer rights by failing to investigate my disputes, falsely accusing me of using an unauthorized third party, and not responding to my dispute.
Product: Mortgage

In XXXX 2007 my wife and I took a 30 year mortgage against our home from Wells Fargo Bank the loan was originated in an " off site '' office location. My credit was very poor my wife 's credit was very strong the agent advised us to use my income as my wife 's income we questioned this, he said we would be fine it 's done all the time. The interest rate is 7.95 % APR we are struggling financially. We were told by an attorney to reach out to the CFPB for support as he felt he falsified loan application at an offsite location may be something that needs to be addressed
Product: Mortgage

I started the process of refinancing my house with Loan Depot, at the time of the application it was clearly communicated to the the loan officer XXXX XXXX that I have an existing second mortgage on my house, the loan officer assured me that the loan refinance process will be completed in 45 days and he locked me on a 45 day rate lock. A rate of 3.00 % was locked in with a lender credit of {$2000.00}. To my surprise 25-30 days into the loan I received an email from the loan processor stating that the company does not do subordinations and will not be able to process my loan, at this point my loan was escalated to XXXX XXXX manager for the loan officer who assured me that they will be able to do subordinations and will get my loan processed with in aforementioned timeframe. A little over two months passed by and finally loan depot was able to receive the subordination. But by this time loan depot was charging me multiple rate lock extensions even though there was no delay from my side in providing any documentation. At this point I came to the realization that loan depot was duping the unknowing customers by locking them in on short term locks and charging then unnecessary fees for rate lock extensions. At this point I escalated the issue with multiple people on multiple levels with no communication, realizing that no one was communicating back with me because I was a person of XXXX and they could take advantage of a person of XXXX. On multiple levels I was assured that some one look into the matter but because I was a person of XXXX and no one thought that my loan mattered I was passed on from one person to another. Finally after hundreds of escalations I was assured that all the extension fees would be removed and my lender credit of {$2000.00} would restored. This morning I received that my final closing disclosures and realized that loan depot did not keep their promise and shrank my lender credit to {$630.00}. At this point I find that even though Loan Depot and its manager might not be overtly discriminatory but for sure are providing disparate treatment to people of XXXX.
Product: Checking or savings account

They closed my account on XX/XX/XXXXand informed me by email : We have determined your account is not in compliance with your Deposit Account Agreement. Your account has been closed in accordance with the Deposit Account Agreement, section ( I ) ( C ) ( 9 ).

If you still have funds in this account, please allow 14 days for any outstanding transactions to settle and then a physical check for the remaining balance will be sent to the address on file. You should receive your closure check shortly after. 

This isnt the issue, but its worth noting. I signed up with Chime because my bank didnt play well with the XXXX XXXX XXXX. So, why would a bank marketing to the online generation have to question what XXXX is and flag that deposits coming in ( under the $ XXXX limit )? Their interrogation styled emails to me were clearly clueless about XXXX. Kinda sad. 

I had {$1800.00} in there when it closed. I have tried calling them but the automated system blocks my call because they recognize the number and state that since my account is closed I must only use email support. Fine. I emailed several times about the status of my funds. Their replies take days and are always canned with the same info about the 14 days after closure. Ive asked questions and never get answers. The last couple emails may actually be human as they ask me for my address. So, they send numerous emails about it being sent to the address on file but now they wont send it because they want me to give it to them?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed inaccurate information multiple times with XXXX, Equifax XXXX and XXXX XXXX XXXX. These 2 accounts are not mine but still remains. 

{$1600.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX {$710.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Hello, I have spoken with Discover Financial a handful of times since I 've been with them. Roughly about 1 year ago I called asking them to please consider lowering my interest rate since it 's so high and it was becoming financially stressful to make the payment. My request was declined, but I was informed I would be notified in the future if I would qualify for a lower interest rate. About 3-4 months after that I received a letter that I understood informed me my interest rate would change from 16.99 % to 12.99 % as they have reconsidered the request I originally made and I would just need to wait a couple billing cycles to see the changes. Of course I was very happy and I waited a couple billing cycles but I did n't see any changes. I called discover about 2-3 months after receiving the letter and was advised by a MALE that the changes were pending but I would receive a letter informing of the changes and the amount I would be refunded since my request was being backtracked to the original date i request an interest rate reduction. The MALE i spoke with made some calculations and said i would be getting a refund of {$600.00} - {$700.00} and my new rate would be the 12.99 % as the letter stated and i was very happy to hear that. I waited and waited and I did n't see any changes so I called Discover a couple weeks ago and the first FEMALE I spoke with transferred me to a supervisor. The supervisor was very polite but she had bad news. She found the letter i mentioned to her and she said the MALE agent I spoke with provided inaccurate information. She said my interest rate increased to 16.99 % and I would not be receiving a refund at all. She did help me a little by crediting some interest but there are no changes being made to my interest rate or a refund being sent which is what I was told. This is very upsetting because I called Discover and the agent read the letter with me and explained all the benefits with interest rate reduction and a refund being sent and it was all a lie.
Product: Mortgage

I believe that Vanderbilt mortgage is performing accounting malpractice on my annual escrow analysis account, because they have done 3 different escrow analysis and they all are coming up with different numbers and different monthly payment amounts. I have asked them on 4 different occasions to reevaluate my escrow account and they've come up with different payments and numbers every time. The fourth time I asked them, they said they was not going to do another one. Since I bought my mobile home a year ago my payments on my mobile home has gone from {$620.00} to XXXX, back to {$740.00}, back up to {$870.00}. Only thing I have that should be in my escrow account is my homeowners insurance of {$1200.00} annually and {$24.00} dollars annually property taxes, because I rent a mobile home lot from a property owner. The numbers just isn't adding up, and it seems to me as if the mortgage company trying to defraud me because they've done four escrow analysis and came up with different numbers every time. Based on my calculations, my escrow shortage deficiency should not be but {$520.00} annually plus the {$24.00} dollars annually property taxes. My regular physical damage insurance remained the same for the coming year 2025 which is {$1200.00}. This company is practicing accounting malpractice on my account and that's illegal. The numbers not adding up at all. My total monthly pay should be around $ XXXXmonthly.
Product: Debt collection

Capital Accounts XXXX XXXX XXXX XXXX, TN Capital Accounts reported a debt balance of {$250.00} opened XX/XX/XXXX to XXXX, XXXX and XXXX. On one of the reports it was a balance of {$260.00} XXXX conflicted info ). 
Since then the following payments were made ... 
XX/XX/XXXX - {$5.00} XX/XX/XXXX - {$20.00} XX/XX/XXXX - {$10.00} XX/XX/XXXX - {$9.00} XX/XX/XXXX - {$10.00} XX/XX/XXXX - {$5.00} XX/XX/XXXX - {$5.00} XX/XX/XXXX - {$30.00} XX/XX/XXXX {$20.00} XX/XX/XXXX - {$5.00} XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$30.00} XX/XX/XXXX - {$30.00} XX/XX/XXXX - {$30.00} Total paid to Capital Accounts {$240.00} so far. The balance owed would be {$18.00}. These payments were done online with a credit card.Capital Accounts is reporting back to the Credit Report companies a different balance over {$200.00}. It was previously removed by XXXX  and XXXX  since I disputed it..BUT Capital Accounts has now reporting it again with a wrong balance and is back on my credit report. Is this legal?? I have contacted Capital Accounts and they are not willing to cooperate. I have receipts if needed to send to you. Maybe we need to check their license see how legit this company is since it appears to be a scam issue.
Product: Credit reporting or other personal consumer reports

On several occasions, I have written to XXXX XXXX XXXX XXXX asking them to verify an alleged debt. I have yet to receive a response. They are displaying this on my credit bureau report. This is not my account. They have it linked to an address I have never lived at. 


XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX .....
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by human trafficking. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

Fay Servicing LLC, is our current mortgage company, and is holding a flood loss check issued on XXXX/XXXX/XXXX in the amount of {$26000.00}. issued by XXXX XXXX. XXXX for losses sustained in Hurricane Harvey. Our home is in XXXX XXXX, TX. The check had been sent to them and after claiming they had not gotten it, we contacted the flood insurance company as to it 's whereabouts. We were again informed that the check had been mailed to Fay Servicing. Fay finally " found '' the check and mailed it to us for our endorsement. ( They over-nighted the check to the property address, requiring a signature, where no one was living due to damages. ) We returned the endorsed check to them on XXXX/XXXX/XXXX and they deposited the check to their account on XXXX/XXXX/XXXX. During this time, from XXXX/XXXX/XXXX, our initial contact, we have made numerous phone calls, emails and written communications explaining our need for the release of funds. We have signed and sent them the Homeowner 's Certificate of Intent to  Repair on XXXX/XXXX/XXXX, with the receipts of close to {$9000.00}. already spent on repairs. Fay had also requested a flood insurers inspection and estimate of loss from us. Due to the extensive damage, way above the insured amount, the flood insurance company did not give us a report. A letter was sent to Fay from the flood insurance company to that effect. As of this date we have not had an inspection on the property by Fay or any release of funds. Our account manager, XXXX XXXX, emailed us on XXXX/XXXX/XXXX stating that he had forwarded a request to the company 's loss draft department for expedited attention to our account.We replied to his email acknowledging his help but also stating we had already reached out to Texas State authorities. Our Attorney General 's Office advised us to file complaints with several different authorities which included this office. We also started a file with the XXXX XXXX XXXX XXXX set up for free financial help to Hurricane Harvey victims. We will be contacting other agencies today in hopes that they can help us in some way. Our son has borrowed funds to repair the home and has spent another {$5000.00} in materials and labor. We feel Fay Servicing LLC is attempting to keep the flood insurance proceeds to recoup their investment or at the very least to  collect interest on the amount. We only owe less than {$24000.00}. on the mortgage.
Product: Money transfer, virtual currency, or money service

My cell phone was taken, my password was compromised, a finger print was added to my device to access my saved passwords and then used those passwords to log into my bank account and transfer funds in the amount of XXXX $ USD to someone using Zelle. I reported the fraudulent charges to my bank who then forced me to close my checking account and open a new one only to deny my fraud claims. I am unsure as to why it was required to secure my account but then deny my fraud claims.
Product: Credit card or prepaid card

I have Wells Fargo Autograph VISA credit card. On or about XXXX XX/XX/XXXX, I made purchase for XXXX XXXX XXXX XXXX -in XXXX single transaction. XXXX made around XXXX changes in the flight due to which I can not go and cancelled my XXXX XXXX XXXX weeks prior to departure though XXXX other family members went via united. 
XXXX assured me full refund as those XXXX changes were extreme and due to my job- I simply can not take it. But united rather than refunding my full ticket value to my credit card, XXXX made the refund in the form of XXXX XXXX XXXX- which i never wanted. 
I tried to create dispute with Wells Fargo but online system didn't helped me. Later I called Wells Fargo on XXXX XX/XX/XXXX- talked to XXXX agent. XXXX agent made an excuse that the purchase is more than 6 months so now can not be disputed. XXXX agent made an excuse that the purchase is more than 4 months so now can not be disputed
Product: Mortgage

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Texas XXXX Acct XXXX This is the information, I did everything asked of me. To get the agreement in yet Ocwen is again trying to deny my modification. This is wrong i am now being asked to fill out yet a 4th package and this is wrong I paid {$50.00} to have this notarized. I want my disaster modification reinstated. This have been a nightmare dealing with Ocwen. I am beginning to get sick behind this. I had XXXX and now i am getting sick behind this. Ocwen have tried to sale my house 5 times now. This is wrong. I live in a declared disaster area. If this is not taken care of i will be forced to retain a lawyer. Because i did all that was asked of me the package was delivered on time and notarized on time and i have included proof. That i did all i was asked. They should be calling the notary man. If his part is wrong its not my fault. Ocwen need to call that man and ask. Because all that was required of me was completed before the XXXX i am not a notary so i do not know the rules. As to what his ( notery ) is supposed to do signiture wise or whatever. So i would not have known this was incorrect at all. Had i known i would have had the man correct it asap. Ocwen is yet again trying to deny my modification on wrongfully accusing me of sending them copies instead of orginals.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) in order to request a formal investigation and correction of an account that appears to contain inaccurate and incomplete information on my credit file, as required by the Fair Credit Reporting Act. Regarding the XXXX XXXX XXXXXXXX XXXX account with a balance of {$0.00} and a date opened of XXXX I would like to verify the payment history and current status of this account. I strongly believe that this account is reporting inaccurate information. I have always made my payments on time and have maintained my own payment records. The information provided by the Credit Bureaus does not align with the records I have. I kindly request a thorough investigation into this account to ensure legal and accurate reporting. Additionally, I kindly ask that the Credit Bureaus verify the aforementioned account. If the information can not be fully substantiated as completely accurate, I respectfully request an immediate correction of this account on my credit report.
Product: Checking or savings account

My account overdrafted XXXX and was closed within the 56 day alloted time period. The bank told me that I did not have to immediately bring the balance current. They closed my account during without notice during the first 30 days of overdraft and noted it reflected the continuation of overdraft after a pending charge that was not authorized had completed and made the acount negative again.
Product: Credit card or prepaid card

I filed three disputes with Synchrony Bank for my Care Credit card. One dispute was for merchandise that was cancelled and the other was for malpractice and for work that caused pain and will have to be corrected. I sent documents in the mail, but Synchrony never considered them. They never conducted a fair investigation. Synchrony never gave me due process. After receiving the merchant 's response, they never asked me to respond like banks do. They simply did the simplest and laziest thing which was to close the dispute.
Product: Debt collection

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 the company is not complying with the written law. They have not validated the debt by the certified letter I sent to the company on XX/XX/2022. They received the letter XXXX XXXX they continued to publish this alleged debt on my XXXX and XXXX credit reports.
Product: Debt collection

i received a letter from a debt collection company ( FBCS, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, PA XXXX ) claiming i owe {$5600.00} from an unpaid XXXX XXXX XXXX The bank who filed the claim is XXXX XXXX XXXX XXXX and the original creditor is XXXX XXXX. I called FBCS and they confirmed my social security number, name and address are correct ; however the email address on file was not. FBCS XXXX  said the account was related to charges from 2017. I have never opened a XXXX XXXX XXXX so I know this is not my debt. I asked them to please report the account as fraud. The FBCS XXXXXXXX told me she would be mail me a form to complete and mail back to them. I thought I would file an official complain with your office. Please let me know what else I need to do to protect my credit card from this fraudelent debt. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent this company several disputes to this company over the last year and they have not the any work on my credit file, they only come back with computer generated answers, which this is the second letter stating there procedures instead of investigating the information that I have ask to be asked to investigate. Also Transunion is stating I am using a third party to dispute my credit which is not true. I have taken to time to look over my credit report and mail off letters and Transunion is refusing to investigate my disputes. I last mailed in a disputed on XX/XX/2022 and get a letter dated XX/XX/2022, saying I didn't send proper documentation. I sent proof of identity many times I keep getting the same response complete that was very fast and I see they DID NOT INVESTIGATE any items I disputed I am working hard to insure the accuracy of my credit report and they refused to do their job. And the third party company XXXX that Transunion purchase information from, has informed me that they do not have any information in their system regarding a bankruptcy. I have attached the dispute and proof of delivery they receive my dispute the letter that I received today XX/XX/2022, I receive this letter on XX/XX/XXXX, and the letter dated for XX/XX/XXXX.
Product: Debt collection

my identity was stolen and had been stolen for a few years. Somebody had been putting XXXX XXXX bills in my name without my permission in the state of New York in XXXX, New York and also I believe in XXXX New York I lost some of my personal items in a move a few years ago and also lost a few of my daughters personal items and somebody has been using my identity to open up multiple accounts And these accounts are ending up on my credit report and I am not able to remove them. I have stated and provided proof that I did not reside at the residences provided for these accounts and also I have proof that I was not living in the state of New York when these purchases were being made I was in another state I did not give out my personal information. I did not give anybody permission to do any of that. I dont know if its because of the security breach that you guys have had in your system were over XXXX XXXX peoples information was leaked, but I have been trying to get these things off of my credit report for years. I refuse to pay something that I did not have any knowledge of or pay any account accounts that I did not open.
Product: Checking or savings account

I XXXX XXXX with account number XXXX from Wells Fargo baking, On XX/XX/XXXX there was a {$500.00} transaction from XXXX service through my bank, I havent sent any money to that person, I made a claim about this issue, and spoke with Wells Fargo fraud team, and they stated that my account was not secured and may had be compromised, they said they will do and investigation on the case and speak with the bank of the funds sent to, and denied my claim, next day the person who stole my {$500.00} texted me about and basically threatened me saying that he doesnt care about me reporting to the bank or reporting it to the police and that he wont give me money back, came to find out his name and last name which is XXXX XXXX XXXX thru the phone number that he managed to send money too which was his phone number and bank! Even with the proof I provided to Wells Fargo screenshoots and his name and phone number where he manage to send the funds and still wont help me!