23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I spoke with XXXX XXXX of Mr. Cooper, who currently services a mortgage on my primary dwelling, and inquired about refinancing a rental property from another mortgage company since they no longer did mortgage financing. We talked at length regarding my needs, he verbally inquired about the property in question, and gave me ballpark numbers regarding interest rates as well as equity available for a cash out. I told him specifically, on the recorded conversation of Mr. Cooper 's requirement, that I wanted a written explanation of everything that we talked about before I make any decisions regarding any type of application nor commitment. To date, nothing has ever been received. To date, however, on the XXXX he has sent me 4 emails regarding applications and made phone calls to follow up, but I have not responded. I also received a notice about my credit report being pulled without my verbal or written authorization, dated XX/XX/24. I should have known better than to trust a business with a XXXX score of XXXX.
Product: Credit card or prepaid card

XX/XX/2021 - XX/XX/2021 several charges were made on our credit card. The total amount was {$5.00} ; XXXX. These charges were made in XXXX XXXX. According to Bank of America, these purchases were made on site - chip was read, PIN was entered or we signed for the merchandise. We havent been to XXXX XXXX & both our cards were in our possession when the fraud occurred. We destroyed them after reporting the fraudulent activity. 
I notified B of A when I saw our statement. They investigated & determined that the charges were legitimate. I disputed that finding. They reevaluated & still came to the conclusion that these were legitimate charges. I am submitting a reconsideration request, w/ some documentation that we were in the US when the charges occurred. 
I would appreciate any assistance you can provide.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and seen fraudulent accounts on my credit can you all remove them please
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, 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, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

I was charged double for a transaction XXXX twice. This issue has has occurred several times I have reported this issue to the bank and consumer.
Product: Checking or savings account

Account reported as Charged off/ Written off Capital One have not provided the 1099C I am writing to formally dispute inaccurate information on my credit report. I have recently reviewed my credit report, and I noticed that a debt related to [ Company Name ] is listed as canceled or forgiven. However, I have not received a 1099-C form from the company to substantiate this cancellation of debt for tax purposes.

According to IRS regulations, if a debt is canceled or forgiven by a creditor, they are required to issue a 1099-C form for any amount over {$600.00}. In my case, no such form has been provided, and therefore, I believe this entry on my credit report is either inaccurate or incomplete. 

Please investigate this matter and remove or correct the inaccurate entry on my credit report. Enclosed are copies of my credit report showing the disputed item and any relevant correspondence with the creditor. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I kindly request that you investigate this matter and respond to my dispute within 30 days of receiving this letter. If the creditor can not provide documentation that they have issued a 1099-C form to me, I expect the item to be removed from my credit report. 

Please notify me in writing once the investigation has been completed. 

Thank you for your prompt attention to this matter. If you require any further information, please feel free to contact me at the phone number or email address provided.
Product: Debt collection

The company Knight Adjustment Bureau located in Utah is a debt collector, they are not willing to make a deal with customers about payments on their accounts, even though they have a web side where a customer can go and make a payment, they still send a letter saying they are not accepting partial payments on their accounts, XXXX the are requiring the total payment on their account, they dont care what is the amount on it, also they are adding cray % of interest on the accounts that are already in collection, for all the reviews online this people work this way to be able to take people to court and get more money on the top of what its own. 
Can somebody check on this and help, they can not be abusing people this way. Please Help
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed late payments with XXXX on several occasions without any results from XXXX for the 3 major credit reporting agencies. I called XXXX on XX/XX/XXXX to request statements showing I was late on the dates reported XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. XXXX was unable to provide statements with late payment information and information was not available online as well. Only XXXX statements were in their system and for me to review online which were not the statements needed. My concern is what information did XXXX provide to the credit reporting agencies to show PROOF I was late if they were unable to provide me with the information. I would like to request proof of late payments via statements for the months XXXX is reporting I was late. When I called the credit bureaus they were unable to provide documentation after several dispute letters as well.
Product: Credit card or prepaid card

I applied for the Chase Sapphire Preferred card on XX/XX/2021 because of the XXXX point bonus promotion they were offering at the time. After applying for the card, I received an email that my application was being processed. I spent much of the next few months traveling and away from my home address. After a few weeks, I called the Chase Customer Service line and was directed to an automated portal system where I could enter my social security number to find the status of my application, which I was told was approved. 

I returned home a couple of weeks later to a letter from Chase in the mail saying that I needed to call to verify my application. When I called, I was told that it had been over 30 days and they canceled my application even though I was previously told via the automated system that I was approved. I never received any other emails or phone calls from them except for this letter, which very easily could have just been lost in the mail. 

I have since spent over 20 hours over 6 different ocasions on the phone with representatives from Chase 's lending and customer support teams and I've been asking to just have them honor the previous offer that I was approved for which is no longer available. I have been told numerous times ( including from a representative named XXXX ) that they would resolve the issue for me and I would be contacted within 2-5 business days by a manager, and have never received a single call back. XXXX even assured me that they would run a new credit check for me and then remove the hard inquiry after I was approved since I had already gone through this process before. 

All I'm looking for is for Chase to resolve the problem by allowing me to re-apply for the card with the offer that I was approved for in the first place. Their customer service has led me astray multiple times and It's completely demoralizing for me as a consumer who just wants a credit card that I've been told is really great.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third attempt and I am writing to delete the following information in my file. The items I need deleted are unauthorized inquires from XXXX XXXX, XXXX and XXXX, and the account from XXXX XXXX opened in XXXX of XXXX. These accounts are not mine. I am a victim of Identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Fair Trade Commission and I also enclosed copies of the Federal Fair Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. I would like to resolve this as quick as possible and without involving my lawyer.
Product: Mortgage

I have written numerous times regarding my issue with JP Morgan Chase. I am writing again to let you know thag I am still NOT satisfied and they have done absolutely nothing to help resolve the issue. While they have already moved forward and sold the property I have written about and reported to every organization possible I want some sort of resolution. While we have tried for what turned out to be several years to get a simple loan modification on our home they continously asked for the same documents over and over again when I sent them as soon as they were requested, the law firm that was trying to help me get the modified at ion sent them as well. They claim that I did not send them in a timely manner and they also basically accuse me of lying when I told them that a representative of JP Morgan Chase would not accept a temporary payment when I called to make XXXX after doing it for several months. I gave them all of the information of who I spoke with and the number I called and everything. 
AGAIN, I AM NOT SATISFIED WITH THE FACT THAT THEY WILL NOT DO ANYTHING TO RESOLVE THIS MATTER. THEY SCREWED UP AND THEY KNOW IT BUT WILL NOT INVESTIGATE IT WITH THE INFORMATION THAT I HAVE PROVIDED TO THEM. 
I will not stop writing and reporting this to anyone and everyone that I can. It is not right that they can just XXXX over their so called customers like they did us.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX Hyundai bought back my car. In mid-late XX/XX/XXXX, I received 1 letter stating treat I had a balance left on my car due to leasing contract and the amount the car was sold for. On XXXX XXXX within a week of reviving the letter and after discussing with Hyundai why I was being build in the first place, I paid the bill. I have a paid in full letter backdated from there. In XXXX I was notified my credit was destroyed from a good to great credit score to poor. I investigated through lender tree and have applied for disputes. XXXX disputed and won removed derogatory remark, XX/XX/XXXX fought delinquent and won- they then put the derogatory mark back on my credit on XX/XX/XXXX, I disputed again and won and again fought on XX/XX/XXXX. Every month the same complaint gets out back on my card and damages my credit further even though I have spoke with Hyundai in video recorded conversations and they stated that the account was closed and paid in full since XX/XX/XXXX. I have a paid in full letter from Hyundai from my first investigation as well as my second. My credit is constantly changing and being affected by this company.
Product: Checking or savings account

A online checking account was opened in my name in XXXX XXXX.in which Wells Fargo bank let a e deposit go thru with my amended tax paper check by mobile deposit in XX/XX/2022 for the amount of XXXX dollars. Someone deposited my income tax check thru edeposit mobile phone check cashing system by taking a picture of the check. Later to withdrawal all funds by XX/XX/2022 without my knowledge or premission. I did go to my local Wells Fargo and spoke with the manager and in so doing she verified the online account and the check she gave me copies of the account and transactions.but never offered any kind of help and in the copies there was no picture id of mine no telephone number listed or verified. That was my amended tax check that I can't retrieve or recieve back due to this negligent way of check cashing online I lost everything and didn't get any kind of compensation or communication for this transaction until I spoke with the IRS whom told me that check was already deposited and cashed and I didn't do such thing or give anyone else to do so in opening a account online. The signature was not mine and why didn't the check have any id verifications such as needed to cash inside the bank??
Product: Money transfer, virtual currency, or money service

In light of CFPB 's recent lawsuit and investigation into Zelle, i have some concerns and issues with their platform. I have used Zelle multiple times and reported issues, yet was not given adequate support from Zelle or my bank. No explanation or investigation was made, I was only told that it would be impossible to recover the lost funds. The CFPB 's recent findings show that Zelle has been complacent and neglected to protect customers such as myself, leaving users vulnerable to scams or fraud. The lack of communication and responsibility is unacceptable.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX # XXXX, Account Name : XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX  # XXXX Account name : Affirm # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account name : XXXX # XXXX Account name XXXX # XXXX Account name XXXX XXXX # XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name XXXX XXXX XXXX # XXXX has violated my rights.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had this Discover Credit Card for over 10 years. I had a merchant that I did not recognize charging my card. I contacted Discover to resolve. Their " XXXX XXXX '' suggested that they replace the card. They reassured me that nothing would change to my account. That the limits, closing dates, interest rates ALL would remain the same on a recorded call. Even the design on the card I asked if would remain the same and they said yes! Well, on XX/XX/XXXX I received an alert on my credit reporting that my score had dropped XXXX points! I checked the report and Discover reported my credit bureau in the middle of the cycle! My statement closing date and reporting date has always been the XXXX of the month. This still is reflected on my statements despite the new card number! Not once was I disclosed that the balances were going to be reported at the replacement card time not once! Had the rep explained this to me then I would have had the opportunity to either pay down the card or wait on the fraud report or just eat the {$120.00} the charges added up to rather than ruin my credit! I am in the middle of buying a house!!!! I was promised a call back from a " Fraud Dept '' manager in 2 business days. Today is the 4th business day and no one has contacted me. I called again and after being on hold for more than an hour with a customer service manager trying to reach a Fraud manager I get dumped for the 2nd time with a Tier 1 rep that continues to state that she doesn't know anything about how to correct and " messages '' through their intranet to a manager that says they are too busy to answer my call and too busy to call me back. I can not believe this horrific experience.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score dropped almost 75 points and when I got a credit report the only negative was for a collection dept to XXXX XXXX for {$55.00}. The company that reported this was Sequium Asset Solutions fro XXXX, Georgia. I called XXXX  XXXX and they have no record of this debt and I am current with my XXXX   XXXX bill paid through XXXX  XXXX. I have tried to call Sequium but they do not answer the phone. I left a message but they did not return my call. I suspect fraud in this case and this has prevented me from doing a refinance.
Product: Credit reporting or other personal consumer reports

Pre Demand Litigation letter attached. I am writing to formally address significant inaccuracies and omissions on my credit report and to demand immediate corrective action. There are accounts on my credit report that I have been disputing for 2 years. Because of this. I demand a deletion immediately. I have disputed the accuracy and completeness of this reporting, and you have failed and caused me severe harm. This cant go on another day. In the state of PA using someones personal information for unlawful purposes is considered identity theft ( XXXX XXXX XXXX ). I have already disputed these accounts with Equifax directly and CFPB. Per the FCRA you have are obligated to report accurate and complete information only. These accounts are carelessly and frivolously reporting. Over XXXX unlawful entries. 
Equifax is still reporting an address that i disputed over a year ago due to identity theft.
Product: Checking or savings account

I was charged twice by XXXX XXXX XXXX and I went to try to dispute one of the charges as a duplicate. The customer service representative would not allow me at first to dispute the charge. This is after spending an hour on hold even though I supposedly called the ASAP customer line. She finally relented and allow me to dispute the duplicate charge. Then I was informed that I would not be able to get a provisional credit or a refund of the overdraft fee I was charged as a result of the duplicate charge. I asked to speak to the manager. She refused to help me, while boasting that she got an extra paycheck this month. 

I have been significantly impacted by the COVID-19 pandemic and TD Bank is completely out of touch with how their customers are struggling. I was completely disgusted that the manager felt it was appropriate to brag about the amount she is paid while I have faced so many difficulties this year. It's a really " let them eat cake '' kind of attitude.
Product: Debt collection

I dispute the inaccurate charge-off status on my credit report for XXXX XXXX XXXX XXXX XXXX. This account was paid in full and was never legitimately charged off.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXXand still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XX/XX/XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXXXX/XX/XXXXXXXX XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX  ( XXXX XXXX : XXXXXX/XX/XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XX/XX/year>XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Checking or savings account

Friday XX/XX/XXXX they cashed an unauthorized check for XXXX. They frooze my account and have added numerous nsf fees. The check that was cashed did not have a legitimate signature on it.
Product: Vehicle loan or lease

On XX/XX/XXXX, we purchased a XXXX  XXXX XXXX and traded in our XXXX XXXX XXXX, which we traded in ( through XXXX ). On XX/XX/XXXX, we were charged for our loan payment on the XXXX, which was financed through Wells Fargo Deler Services. We thought we would receive the money back in a timely manner -- This has turned out to not be the case. 

XXXX mailed the payoff check shortly after the purchase. Wells Fargo acknowledged their receipt of it on the XXXX of XXXX. 

Wells Fargo dealer services did nothing to notify us of the overage. We waited over 11 business days of radio silence from them, and then were forced to call. The recipients of our call were unable to ensure delivery of our check until well after the XXXX of XXXX because of their internal processes -- - Over 4 weeks after they have been paid, in full, on time, every time.

There was zero accountability on their part, and this appears to not be an isolated incident. It appears that the issue itself is systemic and that Wells Fargo is again taking advantage of consumers in ways that are unethical, if not illegal. Had I been late one time, they could have taken our car. Now, they are holding our money hostage as if it's no big deal. 

These shady, illogical, and asinine business processes amount to nothing more than a cash grab from hard-working American families.
Product: Mortgage

My mortgage company is XXXX  /new rez XXXX. I am trying to make payment and they will not accept my payment. They don't have a point of contact. I was sent to foreclosure dept prematurely. I am approved with California mortgage relief funds to pay for my back since I was behind due to hardship. California mortgage relief also known as XXXX  wants me to make one payment to XXXX, so XXXX can receive the correct reinstatement amount and not over the limit. This is unfair business practice and I should be to make a payment on my account. I am requesting this to be Escalated immediately pls. Thanks XXXX. XXXX Previously I have applied for mortgage assistance with XXXX and denied XXXXXXXX  and still had 30 days to appeal and I still have 10 days to appeal. This should not have been pushed to foreclosure dept and process in XXXX
Product: Checking or savings account

I signed up for a BMO Relationship Checking account on XX/XX/year>. I signed up at www.BMO.com/fallbonus The company said I would receive a {$500.00} bonus after making {$7500.00} or more in direct deposits during the first 90 days. They said the bonus would be paid 100 days after opening the account. 

I completed all the terms and have not received the {$500.00} bonus the company promised. It has now been 113 days, and no bonus has been paid.