23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

There is no rea son Wells Fargo Bank,  the now Servicer on a Broker originated,   XX/XX/XXXX ,  XXXX  %, Interest Only Refi of my principle residence, is again saying they did not receive the Mod docs.  <P/> In   XX/XX/XXXX     I went into the branch to inquire about the streamline refi that they were offering their  XXXX  clients at that time, at that point I had paid  XXXX  in interest only payments on a  XXXX  so called loan that is now  XXXX .   Not only did the in branch broker give me a flat no, he explained that  Wells Fargo B ank now was the "  Servicer  " of the paper or loan, and that they did n't originate it, yet many times they claim to have originated it.  <P/> Then after finding the " Investor '' of my so called loan was in    XXXX   court  and list ing Wells Fargo a s a Unsecured, Non Priority, Creditor and disputed their claims to said loans.   Then I was told that I could not even apply for a mod unless I was 4 months delinquent and that started this nightmare where  Wells Fargo  Bank engineers Defaults, and Foreclosure for profit schemes, driving homeowners/Banking clients into a situation that makes any form of work out impossible, while maximizing their profits on moneys they admit they never lent.   When I requested the closing documents and whatever document prep company they used had claimed to have paid my second with  XXXX  through closing that made they issues even more complex as I paid the total second in full  two  months prior to closing and have the cancelled checks to prove it.   I have submitted these t o Wells Fargo Ba nk many times and they have many times refused to investigate, and have many times denied this to this bureau and in the courts.   I would say that these issues could be coming from third party vendors that they use in their foreclosure schemes that they have never halted even after the mortgage settlement court orders and refuse to behave in an ethical way in their business model.   Their Vision and Values are aligned with buyer lawless behavior at any cost regardless of how they destroy the lives of millions of hard working Americans without a single accountable senior employee being held responsible.   Im sure this is just a real drag for everyone to have to deal with and respond to and actually look into, and we know that does n't happen.I am going to upload some documents to show you how this pillar of  Vision  and Values treats a long time banking client.
Product: Money transfer, virtual currency, or money service

For the last 2 months Since XX/XX/2021, I've been trying to get my coins Out of the exchange OKCOIN, and they told me that I could withdraw the Dollars but not the coins out of the exchange. I made an attempt to withdraw roughly {$3700.00} but it never worked. I told them I have bills to pay, but they're simply making my life hard. There's currently XXXX BTC and {$3600.00} in my account with them.
Product: Mortgage

On XX/XX/XXXX I entered into a mortgage agreement with your company for the residence in XXXX XXXX, NC. In this mortgage agreement, I had paid for a newly built home at this address. During the walk through, my husband and I expressed concern to XXXX XXXX regarding the viability of the sod and if the drainage was satisfactory for the back yard. We were told by XXXX XXXX that the sod was dormant and would come up in the spring. He also stated that if we had drainage issues after the homes on our side of the street were finished, that they would likely need to re-grade our yard for proper drainage. 
Unfortunately, after proper and extensive lawn care, the sod has not rooted through no fault of our own and the front yard is completely dead. This was initially brought to XXXX XXXX attention in a warranty request at the end of XXXX. I did not receive communication from XXXX XXXX, so sent another request on XX/XX/XXXX ticket number XXXX regarding the yard issues. XXXX XXXX came to my residence to inspect the yard. I took him to the back yard where the poor drainage could be seen. I explained what XXXX XXXX had told us during our walk through and he told us that we were on a swell so that wouldnt change and there wasnt anything they could do. When I showed him our front yard, he expressed agreement that it was concerning and said that he would get in touch with upper management as landscaping wasnt covered under warranty. I expressed concern that it seemed as though some of the sod that was laid down prior to us closing was actually dead and not dormant. 
After over 5 weeks of communication with XXXX XXXX and his excuses as to the poor quality of my yard, XXXX XXXX informed me that there was nothing that XXXX XXXX could do. I also requested to see a certification that the sod that was laid down was in fact dormant and not dead, but I was told that wouldnt be possible. It is evident that XXXX XXXX does not stand behind the quality of their work. 
I would appreciate it if you could organize to replace the dead sod in the yard as well as correct the drainage in the back yard so that the grass can grow in the areas with excess moisture. I have moss, mushrooms and an abundance of insects in my yard due to the excessive moisture buildup and improper drainage. There are other builders in the area that stand behind their product and have replaced friends poor quality yards with no contest.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Debt collection

I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.
Product: Debt collection

On XX/XX/XXXX, I received a notice from ProCollect stating that they were contacting me about an alleged debt that I had with XXXX. I immediately responded to the notice in writing, officially contesting that I had a balance owed to this community. I also requested the following items from ProCollect to verify the alleged debt : A copy of the original lease, signed by me, a copy of the entire pay history of the account, and also a detailed explanation of the charges that constitute the {$1400.00} alleged debt they are trying to collect. I did not receive any response from ProCollect with the requested documents. Today, I noticed that ProCollect has placed this item on my credit report. By placing this account on my credit report without verifying the debt ( as requested ), they are violating my rights under the Fair Debt Collection Practices Act.
Product: Credit card

Lowes Synchrony Bank Missing payments Made payments with online Banking with XXXX {$110.00} Issued on XX/XX/XXXX  {$900.00} Issued on XX/XX/XXXX  Send all documents to Lowes Synchrony Bank copies of checks front and back Letters from XXXX stating payments was made Copies of XXXX statements showing payments to Lowes As well as an Affidavit from XXXX to be filled out if payment was not received but Synchrony Bank refused to fill out. I have received credit and had it reverse about five times. This is my second complaint on this matter
Product: Credit card

on XX/XX/2024 I notice a account from opp loan on my credit report I never apply for no person loan also there where an account from XXXX that was not my account please remove and delete
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and I am writing to express my concerns regarding the investigation practices of the three major credit bureaus : Experian, TransUnion, and Equifax. Many consumers, including myself, have experienced significant difficulties when dealing with inaccuracies in our credit reports and the subsequent investigations launched by these bureaus. 

Despite the Fair Credit Reporting Act requiring that these agencies conduct fair and thorough investigations into disputes, the reality has often been different. There are numerous reports from consumers suggesting that the investigation process is neither thorough nor transparent. Many disputes receive cursory reviews, with inadequate attention given to supporting evidence provided by consumers. Additionally, the timelines for resolving disputes appear to be frequently extended, with little communication from the bureaus regarding the status of these investigations. This lack of transparency fosters distrust and raises questions about whether consumers ' rights are being adequately protected. 

The practices employed by these credit bureaus can have serious repercussions on consumers access to credit, employment opportunities, and overall financial health. As such, I urge the CFPB to investigate these practices and ensure that the rights of consumers are upheld. It is vital that these agencies adhere to regulations and provide consumers with the protection they deserve.
Product: Credit reporting or other personal consumer reports

My account with Capital One was never late! I have had exceptional payment History With Capital One and all payments were placed in Autopay. This late payment that is reporting is a result of a systematic error on their end processing my payment. 
This was clearly a billing error made by the company and it is not a reflection of my payment Experience which violates USC code 1681eb. This error has caused severe hard to my Reputation, my character, my mode of living and to my family! 
I demand the late payment reported in XX/XX/XXXX and XX/XX/XXXX to be removed. 
They are not in compliance with the following law 15 USC 1666b and its requirements set the Standards and the guidance of a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 
15 USC1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit Plan as late for any purpose, unless the creditor has adopted reasonable procedures designed To ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
Capital One never sent the periodic statement along with the disclosures from section 1637 ( b ). 
I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in a good faith pursuant rule XXXX and it was never provided This is unfair, Illegal, fraudulent, and not equitable to me as a consumer! 
Update the late payment from my consumer reports Capital One - XXXX
Product: Credit card

Holding payments for no legal reason. The payment on XX/XX/XXXX cleared from my bank account and they said they wont apply for 9 days until XX/XX/XXXX. I have successfully paid on time every month. I asked for an explanation and proof that payments havent cleared and couldnt provide to me. I pay similar amount around the same date every month from the same bank account. They should not be allowed to hold my money and not apply payments for over a week.
Product: Debt collection

I am writing to address the inclusion of unauthorized transactions in my consumer report, for which I did not provide authorization or instruction. Consequently, I formally request the blocking and removal of these accounts without any error or misrepresentation of facts. 

It appears that your organization may be in violation of 15 U.S.C 1681a 2 ( A ) ( i ), which prohibits a consumer report from containing : " ( A ) subject to section 1681s-3 of this title, any -- - ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report! '' This statute explicitly states that XXXX making the report should not be included in my consumer report, as transactions or experiences associated with the line of credit extended between the consumer and the reporting entity should not be encompassed in the consumer report. 

I urge you to promptly update my utilization to XXXX XXXX or below within 10 calendar days or expunge all utilization from the mentioned accounts. 

Furthermore, I request that you provide all documents on which you rely for reporting the referenced accounts, in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681g ). The information you are reporting is detrimental to my reputation and is adversely impacting my creditworthiness. 

Therefore, I demand the removal of these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or verification of these accounts. 

Additionally, in addition to the removal of erroneous and unverified information, kindly eliminate all non-account holding inquiries older than 30 days. 

Failure to provide a satisfactory response with the deletion of the mentioned utilization and inquiries will result in legal action being taken against your company, for which I will seek {$1000.00} per violation : Defamation of Character Civil Liability Fair Credit Reporting Act 15 U.S.C 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent requests from all 3 credit bureaus for several fraudulent accounts to be immediately and permanately removed from my credit report if the original contracts could not be provided to me showing that I did infact owe these debts. XXXX, Equifax and XXXX  continue to ignore my request and have NOT removed these items from my credit report. These companies claim that these items have been verified yet have not provided ANY documentation to me, showing any of the documents that I requested as PROOF of proper validation and because of this, they are in clear violation of my rights as a consumer. I am requesting that these items be removed IMMEDIATELY or I will be contacting my attorney to file a lawsuit against these 3 companies for this violation as too much time has passed since these requests have been made and nothing has been done.
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS IS NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I honestly do not understand what is happening. I have not owned a vehicle since I sold my XXXX XXXX approximately 4 years ago so I have not been required to carry auto insurance obviously. I'm trying to insure a car now and my rate is through the roof and XXXX XXXX, for instance, is saying that I filed some sort of claim XXXX of last year. That is absolutely false!! I need this removed from my record.
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 CFPB 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 the lost funds was impossible and that tracking these transactions was unfeasible. 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 act of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Debt collection

Payment was made on the account on XX/XX/21 for the full amount owed {$100.00}. The debt was to be removed from my credit report, but even after payment the status of the account is open and the full balance is still showing as owed.
Product: Credit reporting or other personal consumer reports

Consumer requests Methods of Verification from all three CRA Under FCRA from XXXX XXXX  payment history and all documents submitted within 15 days by mail or email. Consumer has requested documentation from original creditor and CRA both companies violated FCRA if not noncompliance under section FCRA B 616.
Product: Credit reporting

Insurance and Banking agencies use Experian-generated questions to confirm identity. These questions are incorrect and they 've caused me to be locked out of my car insurance account ( a company I 've been with for 30 years ). I 've now spent XXXX5 hours trying to resolve this but : 1. Experian has a phone tag system that leads to nowhere. 
2. I 've tried to get my Credit Report to see if there 's an actual issue, but I 'm unable to. The " system '' informs me to call ExperianXXXX XXXX etc, but ... see XXXX above. 
These companies have far to much power and operate in such a haphazard way. My insurance company said they are receiving MANY calls from customers facing the same dilemma I am.
Product: Checking or savings account

Alliant Credit union refused to notify me they were not going to wire my funds as instructed. They then asked me to give them info against what the recipient had instructed me to use. They told me using the the wrong info was the only way I could wire money. They failed to notify me they had not sent the money then asked me to us a an address that the funds were destined to.
Product: Money transfer, virtual currency, or money service

To Whom It May Concern, I was notified by financial institution Bank of America of a cashier 's check of the amount of {$2000.00} being sent to my address back on XX/XX/XXXX for a claim that occurred in XXXX. The claim was originally denied but the financial had reconsidered their decision and informed me in XXXX that it would be paid. This was for a XXXX transfer between personal accounts. In XXXX, I no longer banked with the institution and accounts were closed, therefore Bank Of America can only pay me in form of a check. Upon receiving the letter of being informed that they were sending the check to my address that was on file and still current, I still never received a check as promised. I tirelessly tried getting the issue resolved contacting Bank of America multiple times a week since XXXX of XXXX. I've spoken to numerous departments and spoke to numerous supervisors who promised they would get issue resolved but still never got resolved. During the interim of speaking to multiple representatives, I was told so many different things of why the check hasnt arrived or given false information about the process of receiving the check. I have spent 2-3 hours minimum a day on the phone with this establishment at least 4 times a week to just still get nowhere. Whenever I spoke with someone different, they were telling me something and directing me to another department. This institution has poorly documented my file, whereas each representative wasn't able to reference where the check was, how to pay it and what the check was for. I am extremely upset of this whole ordeal and would like for it to be resolved ASAP. I was also told they attempted sending the check to my address multiple times after i called but nothing ever came to my address. It is now XXXX of XXXX and I still haven't received my cashier 's check that I assured I would receive. They are crooks and have poorly handled this situation. I shouldn't have to wait all these months to receive funds that was due to me over FOUR YEARSSS AGOO!! I am beyond angry and dissatisfied with their incompetent customer service representatives.