23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

In the briefest way I can explain, I am currently a victim of XXXX XXXXXXXX and am in a long process of extracting myself and my young son. For a brief period I stopped using my American Express card so that I might have an emergency credit card in my name only in case I needed to flee. Because I didn't use the card for XXXX months, Amex cancelled it even though I have been a XXXX year member in good standing, with a XXXX balance and had paid the annual fee. Their records said they sent a notice by mail, which I did not receive. Just XXXX notice. 

I am not interested in resuming business with Amex. My real issue is that it was my longest-held credit card and its cancellation had a real impact on my credit score - the score I'm going to need to find new housing when this nightmare is over. When I contacted XXXX to determine the damage and what I might be able to do about it they were unable to tell me. They said because of the complexity of the variables used to determine credit-worthiness it was impossible to say what impact this particular cancellation had. If I wanted to dispute something I could - but there is nothing to dispute. I am left with a damaged credit score for doing absolutely nothing wrong except not making American Express money during a brief period.
Product: Debt collection

collection consultants has been reporting my account XXXX. XXXX the credit agency XXXX i have spoken with them many times and request original documentation to show why and how i owe this money they are not able to produce any documentation to verify my debt, i have also requested from credit agency to please provide verifiable proof or remove it from my file. and it did not happened
Product: Credit reporting or other personal consumer reports

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review this account ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX Balance : {$17000.00} XXXX XXXX XXXXXXXX Balance : {$17000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2022 I sent letters to TransUnion describing multiple instances of fraudulent reporting on my credit report. I gave them 30 days to remove the accounts and they have not complied. The accounts are listed below. 
FRAUDULENT REPORTING XXXX XXXX XXXX  FRAUDULENT REPORTING XXXX  FRAUDULENT REPORTING XXXX XXXX FRAUDULENT REPORTING XXXX XXXX XXXX No attempt to communicate with me regarding these accounts has been made. No attempt to validate the accounts has been made.
Product: Debt collection

Sarma Collection has called me dozens of times over the last few month over an alleged debt. One rep, XXXX XXXX has left multiple messages which I have log of. On XXXX XXXX XXXX called my brother, XXXX XXXX on his cell XXXX asking if he knew me and mywhereabouts. XXXX XXXX has all my contact information having called my phone multiple times and has no reason to call my brother, XXXX XXXX XXXX XXXX' and XXXX XXXX negligently failed to comply with its obligations under the Fair Debt Collection Practices Act ( FDCPA ). HE has my phone number and I choose not to speak with him or his company. That does not give him the right to call my relatives
Product: Checking or savings account

Complaint XXXX XXXX 2024 - Wells Fargo I am in the process of buying property overseas, and have relocated overseas from the USA I called to increase my wire limit with Wells Fargo and spoke with XXXX XXXX who was like dealing with XXXX ( yes, the XXXX XXXX  ) who showed XXXX understanding and compassion for my predicament based on their policies. Fake, uncaring, reading from a screen without any concern for a Wells Fargo customer. Shrug of shoulders attitude I wanted to transfer {$300000.00} USD to cover the purchase of a property overseas. I am under contract with this home, and now could potentially face losing my deposit because Wells Fargo refuses to increase my wire limits. 

This is my money. My only option a rolling {$75000.00} wire transfer every XXXX  days is not sufficient to meet the legal requirements I am under for this contract. 

XXXX advised poorly and with a robotic indifferent tone, that someone would call me back within XXXX business days. He understands my frustrations As I said to him, has your bank withheld your funds to place you in a situation where you could lose thousands of dollars? No... 

He could not provide a contact name for the person calling me back, nor escalate this further today. This is an urgent situation. 

Now, I have to fly back to the US to an appointment with a branch to maybe get my money or for them to also advise these are Wells Fargo policies we cant increase your transfer. XXXX couldnt advise on that either, nor a branch managers details or whether the would fulfill my request. 

Wells Fargo is holding my money ransom, and refusing to allow me to purchase my home. 

This is an awful situation to be in, facing losing the home, deposit, and stress caused to me. 

I request when I arrive at XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX at XXXX that they have every dollar in cash ready for me to collect. The meeting confirmation number is XXXX. I expect the branch to have the remaining cash available in my account ready for me to collect. 

XXXX wouldnt disclose the possible outcomes. 

Failing this, they can increase my wire transfers for this purchase
Product: Checking or savings account

Unauthorized transactions were made on my account from after XX/XX/XXXX for amount of 4,900i submitted police reports and updates on my case and there being a suspect arrested on this and Ive sent several pictures along with detectives information and screenshots of my house/incident of what has been going on stolen property and vandalized and showing that the suspect arrested had access to my belongings without no autorizarion from me to be anywhere near my belongings these pictures Ive sent show my house vandalized show the police report about stolen personal information and showing that these criminals have been breaking in and had a hold of my personal informtation ive done everything I can to provide proof and my claim gets denied, also they been back n forth one rep tells me something then the next rep tells me something else The calls have been recorded so being able to hear those calls can demostrare how misinformation and saying Im expected a deposit and then after I receive nothing also the confusion on the bank part saying a female saying she was me called saying her XXXX son made the transactions theres no way I would have called to say that so they got it all confused Ive ran out of patience as this has been over a long time Ive sent all the information possible to help this Ive asked for the documentation on what they based there decision on and never received it till this day
Product: Checking or savings account

I have an account with USAA bank and had a previous additional account holder. The additional account holder was removed ( or should have been removed from my account over a year ago. On XX/XX/2020 I was alerted that my account balance had been totally taken to XXXX. After contacting the bank I was told there had been two transactions made by the previous account holder transferring all funds in my account to a account he had just opened. I immediately told the representative this was unauthorized and to return my funds. I was told he was never removed from my account so there was nothing I could do about it. I asked to speak a supervisor and was given a lead. The lead repeated the same thing as the representative and I again requested a supervisor. A supervisor contacted me the next morning XX/XX/2020 stating that USAA made a mistake they located all the documentation ( it was misfiled ) to remove the previous account holder and my funds would be returned. A week later I still had not received my funds back so I called back and was told that it was determined that there was no fraud and the case was closed with the previous account hold still on the account. After speaking to several people they apologized again removed him changed the address back to the correct address and sent it back to the fraud department to review and return my money to my account. I just received a, letter dated XX/XX/2020 stating once again that after review they determined the there was no fraud. I have no idea how anyone can come to the conclusion that there was no fraud committed when this person was supposed to be removed from my account a year ago and was allowed to transfer over {$3500.00} from my account without my knowledge. I have filed numerous claims stating this transaction was unauthorized and am willing t file a police report if needed. The bank has admitted fault more than once but yet I an still fighting to get my money back because of their mistake.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following credit inquiries from my credit report. I am a victim of a data breach, and pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am entitled to have these inquiries removed to protect my credit. 
The unauthorized inquiries are as follows : 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 XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). To date, I have not received any documentation in compliance with this section.
I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner.
If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may constitute the reporting of false information, causing damage to my reputation and future credit worthiness.     To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue.     It is my understanding that the FCRA 623 ( 8 ) ( E ) ( iii ) establishes a time-frame for these issues, and that section 621 of the FCRA supports my request in this matter. I have also requested the guidance and support of the Attorney Generals office. The items that appear on my credit report as : 1.  XXXX   XXXX   XXXX   #  XXXX  2.  XXXX   #  XXXX  3.  XXXX   XXXX   XXXX   #  XXXX , #  XXXX , #  XXXX These account are a violation of HIPPA Act. Never done business with   XXXX   XXXX  . please produce a copy of my signature or contract or delete account error.
4.  XXXX   XXXX   XXXX   #  XXXX These account are a violation of HIPPA Act. Never done business with   XXXX   XXXX  . please produce a copy of my signature or contract or delete account error.
5.  XXXX   XXXX   #  XXXX this account has no contract error please delete never done business with this company.
Product: Debt collection

I am writing a complaint in regard to Smith, Rouchon & Associates ( SRA ) in regard  to three accounts that are reporting to XXXX and XXXX. I sent a certified letter to SRA in XXXX 2017 requesting debt validation as I am afforded the opportunity to validate any debt that is reported on my credit bureau reports. I also requested at this time HIPPA authorization signed by me allowing SRA to access my medical records. In response to my letter I was not sent any of the requested items afforded to me under the FCRA. I was however sent a letter demanding payment from XXXX XXXX specifically stating " You must pay the debt in full now ''. I have given ample time for the requested validation of debt and HIPPA authorization to be provided as requested to no avail. I will be including a copy of the original letter sent requesting said items and the response letter from SRA. I have not received any further correspondence in regard to these debts from SRA. IN addition I believe one of the debts in the amount of XXXX to be related to a worker 's compesation incident which was already paid by XXXX XXXX. In the state of Mississippi it is illegat to attempt and collect additional monies from a workplace injury victim. If needed I will provide proof of where this debt was paid by XXXX XXXX. I also have the worker 's compensation case number as well.
Product: Mortgage

On XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$4400.00} cleared my financial institution. this check written to UEMC ( United Equitable Mortgage Company ) retiring the mortgage on account # XXXX. A letter from stated mortgage company dated XXXX XXXX, XXXX was received by this complainant, the letter stated that I could expect to receive the lien release on the mortgage held by UEMC within 12 to 16 weeks, the lien release has not yet been received. I have cleared several mortgages and never has it taken longer than six weeks to receive the release. I can only speculate that UEMC is holding my mortgage value to underwrite other underperforming accounts held in their portfolio.
Product: Mortgage

XX/XX/XXXX To Whom It May Concern : This is the third complaint I am filing against PNC Bank for failure to give my father and me a truthful reason of denial of a conventional loan for an investment property. The first complaint was filed with your organization on XX/XX/XXXX and the complaint Number ID is XXXX. The second complaint was filed with your organization on XX/XX/XXXX and the complaint number is XXXX. 

After receiving XXXX letters from PNC Bank in response to both complaints, we are dissatisfied with their response and their follow-up responses to emails sent to them. 

My last email correspondence to PNC Bank was sent to XXXX XXXX, XXXX Client Relations. She was handling my second complaint, but failed to respond to my last email, which was dated XX/XX/XXXX. An automatic response from her email box read that, I am out of the office until XX/XX/XXXX. That was XXXX months ago. 

Please see the attached file with the last email sent to XXXX XXXX. I would like an answer to the last email communication. After much research over the past XXXX years with competitive banks including XXXX XXXX, XXXX and XXXXXXXX XXXX  as well as XXXX XXXX it is concluded that PNCs Loan Origination Department failed to process my loan application carefully and was therefore negligent in handling my application. 

Also as a PNC customer on another loan, I am extremely disappointed on how this complaint process was handled. Instead of working to come up with some type of resolution on a very obvious mistake on the banks part, their Executive Client Relations Representative baited me to take legal action against the bank, because it is believed that she knew my case was valid. The bullying response to me is reprehensible. A big bank bullies a customer to take on an additional financial burden after losing a rental property that I owned for over XXXX years, an additional {$120000.00} in equity at the time of loan process, at least XXXX  years of future rental income, tax saving and future appreciation gains. 

Here is the information received by other financial institutions and XXXX XXXX : According to XXXX XXXX guidelines for an investment loan application, for which I was applying, at least one borrower must have been on title for at least XXXX months prior to the disbursement date of the new loan. The PNC response was incorrect for an investment loan. I was not applying for a primary loan, I was applying for an investment loan. There were tenants occupying my property for more than XXXX years. I was on title for well over XXXX months, so I would satisfy XXXX XXXX and XXXX Macs guideline for refinancing. I couldnt even do an outright purchase of the property because I was on title, so there was no other option for me to maintain ownership of XXXX XXXX XXXX. XXXX, XXXX XXXX and XXXX all said I would qualify for the refinance, so why not PNC? These banks also follow XXXX XXXX and XXXX XXXX guidelines. 

This is clearly a case of negligence and the banks refusal to accept responsibility. 

I would like an answer to my attached email from a senior PNC representative. Thank you for your help with this matter. 

Sincerely, XXXX XXXX
Product: Mortgage

Penny Mac purchased me Note from XXXX, At the time my loan was sold XXXX had agreed to terms on a loan modification. Penny Mac then required me to resubmit a new package and I was turned down. It was then requested I resubmit which I have done several times and have not had any resolution.
Product: Credit card or prepaid card

On XX/XX/XXXX I sent a letter to DISCOVER BANK requesting them to send me files regarding my account as well as file for their records a 2848 and 56 form that was included with the letter. It was in good faith that I reached out to DISCOVER BANK after learning my rights and the role of a consumer from the Consumer Credit Protection Act. 

As stated in the letter from DISCOVER BANK We are in receipt of your letter dated XX/XX/XXXX. As a result, we have decided to permanently close your Discover Card account ending in xxxx. DISCOVER BANK provided no reasoning, only a result which was obvious before I got the letter. 

After exercising my rights as a consumer under the Consumer Credit Protection Act, they discriminated against me and preformed this extreme adverse action. 

I have been a card member with DISCOVER BANK since XXXX. Every bill was paid BEFORE every due date and I referred friends and family members to this company. I was in good standing with DISCOVER BANK from the time I opened the account to even when they closed my account. 

After almost five years in business with DISCOVER BANK, I send one letter regarding my account after learning of my rights as a consumer and they discriminate against me as I exercise my right in good faith. 

On top of that, before I even knew that my account had been closed, DISCOVER BANK reported this negative activity to consumer reporting agencies to disclose on my consumer report. 

I am under stress because of DISCOVER BANKs adverse action against me.
Product: Student loan

My loan was changed from XXXX XXXX to XXXX and I applied for the SAVE program in summer of XXXX and they never processed it. I have filed numerous complaints with the CFPB and the government about this. Now Mohela took over the servicing of my loan I spoke to XXXX on XX/XX/XXXX about my bill coming without any SAVE program enrollment. Mohela is required to get all of my information from XXXX and or the Federal government and they have failed to do so and keep billing me. I told them under XXXX 's rulings, they have to put me in administrative forbearance until they process my SAVE loan. I also updated my income with XXXX before Mohela took it over. Neither XXXX nor Mohela has processed my SAVE application which is illegal to this date and neither had put me in administrative forbearance until they do, which is required under the XXXX administration. Now I am getting late notices for a student loan payment which is illegal on two counts, one it is not processed under the SAVE program ever by either student loan company and two it is not in administrative forbearance. I want something done now as they are required by federal law to enroll me in the SAVE program and put me in such administrative forbearance. I warned XXXX who I spoke to on the phone to not pull any scam and he did. As he did not do what I asked him to do and all calls are recorded. It is illegal that neither student loan company processed my SAVE application and I provided documentation of my income over and over. So they are playing games and refuse to cooperate with one another and sending me illegal bills and not putting me in administrative forbearance. I am not getting emails from the Department of Education because of this trying to charge me late fees. " Federal Student Aid Reminder That Action Is Needed on Your Federal Student Loans Hi Samone, Be sure to stay on track with future loan payments.

A New Action You Can Take To Avoid Late Payments Set up auto-debit. Auto-debit ensures your loan payments will always be on time. If you set up auto-debit, you may be eligible for a 0.25 % interest rate reduction.

Contact your loan servicer to set up auto-debit.

Find Your Servicer I demand that Mohela process my SAVE application and get all necessary paperwork from XXXX and or the DOE and immediately put me in administrative forbearance.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFBP lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Mortgage

1. We opened a mortgage in XXXX. 

2. Between then and XXXX, we made escrow payments totaling {$4600.00}. 

3. We asked Ditech to close the escrow account in XXXX. 

4. They closed the account in XXXX and refunded us {$1500.00}. This means they still owe us {$3000.00}. 


5. On XXXX XXXX, we sent the following letter : Hi, Thank you for closing out my escrow account. 

In reviewing the documents associated with my escrow account close-out, I believe that you refunded me too little money. You refunded me {$1500.00}. My calculations in the attached spreadsheet show that I contributed {$4600.00} to this account. Please promptly refund me the difference of {$3000.00}. 

Thanks, XXXX 6. They wrote back a letter which I have attached below. The letter says " Enclosed, for your records and review, is a copy of the HUD-1 Settlement Statement.  Please be aware that this statement does not reflect taxes being paid during the origination of this loan. '' 7. Ditech 's second sentence is factually incorrect. The first line on Page 4 of 4 in the HUD settlement shows that we paid {$6800.00} for " 2016 2ND INSTALLMENT TAXES XXXX to XXXX XXXX FOR 2016 TAXES '' at the closing. XXXX XXXX XXXX XXXX XXXX paid our property taxes and refunded us XXXX on XXXX XXXX. This refund posted to our account on XXXX XXXX, see attached. )