23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am writing to formally file a complaint against my mortgage company, HomeLoanServ, regarding their handling of my mortgage payment for XX/XX/2024. 

On XX/XX/2024, I notified HomeLoanServ that my payment would be posting late due to significant damages to my property in a XXXX disaster zone caused by a tornado in XX/XX/2024. Given these extraordinary circumstances, I requested a waiver for the late fee and asked that my late payment not be reported to the credit bureaus. My request was based on advice from the Department XXXX XXXX XXXX XXXX VA ), which recommended seeking forgiveness for this month due to the XXXX disaster area designation. 

Despite my situation and the VA 's guidance, I was informed by a representative of HomeLoanServ that my payment would be reported as late regardless of the circumstances. This response is deeply concerning, as it fails to consider the impact of the natural disaster on my ability to meet my financial obligations promptly. 

I believe that HomeLoanServ 's refusal to accommodate my reasonable request for a late fee waiver and protection from negative credit reporting in light of the disaster is both unfair and unjust. As a responsible homeowner facing unforeseen challenges due to the tornado, I have made every effort to manage my obligations during this difficult time. 

I am seeking the CFPB 's assistance in ensuring that HomeLoanServ : Waive and refund the late fee for my XXXX 2024 mortgage payment. 
Does not report the late payment to the credit bureaus, considering the extenuating circumstances related to the XXXX disaster zone. 
Furthermore, I request that the CFPB review HomeLoanServ 's policies and practices regarding customers affected by natural disasters to ensure they are compliant with applicable laws and regulations and that they provide appropriate support to their customers during such times.
Product: Credit card or prepaid card

Received a letter lowering credit limit from {$8500.00} to {$500.00} after card was paid off in full. Letter stated reasoning as ( one or more chase cards is delinquent, Bankrupt, or in a payment program Amount above the required minimum on some chase cards is low, Credit Report shows delinquency, Public record or bankruptcy one or more credit cards are over limit ) which in all cases are false and do not apply to me. I feel that JPMorgan Chase Bank applied the wrong identity information or falsified information to lower my limit due to the situation of the pandemic. Ive been in good standings with Chase and all credit cards. I possess only one credit line with Chase. This situation hurts my credit score tremendously. Which effects my future credit standing in this unforeseen times of need.
Product: Checking or savings account

On Friday XX/XX/XXXX I was given a bonus check from my ex employer, I normally get direct deposit but because i needed some money asap XXXX XXXX XXXX  had to issue me a check, I picked up the check from the Accounting person that was still at the plant. I went to Chase Bank ( my bank ) to deposit it into my account. They put a hold on it and wouldnt let me get any cash from the deposit. The gal at the bank said I could call the number on the receipt tomorrow to make sure there is no holds and they will release it. Well there was ahold they said they needed to confirm the check is good i told them to call XXXX  at the plant they refused because her number wasnt registered to the company and i was told i would have to wait XXXX  days. On XX/XX/XXXX the bank sent me a text and email for me to contact them regarding my account i did the the gal on the phone said my account is restricted until they can confirm the check was meant for me. they wanted to call someone and talk to them from the plant. I told them there is no one there only XXXX  so she asked me for XXXX XXXX full name i gave it to her she said she wasnt on the list. She asked me for other names from the company to see if they matched i gave XXXX name she matched but i dont have XXXX personal number and I am sure XXXX knows nothing about the check i was issued. So I couldnt resolve the issue. I called XXXX and she they already got paid. The check cleared the company 's bank. So first thing this morning I check my account because i was expecting my severance pay today and nothing was there. So i texted XXXX and XXXX said the depsits were sent out yesterday including mine so i call chase aind they oh ya i see but its processing. So i get up and go to the bank and after being there for XXXX hours I still walk out with the issue unresolved they still refuse to give me my money and my direct deposit for my severance and unemployment will be returned because my account is restricted. I was told that they are waiting to see if the check gets returned from XXXX. I am late on all XXXX  bills including my rent my car.
Product: Credit reporting or other personal consumer reports

I'm filing this CFPB complaint after i recently reviewed my Equifax consumer report and noticed a fraudulent XXXX XXXX  account that was opened on XX/XX/XXXX under the account number XXXX still remaining in my credit file even after the United States Department of Justice investigation found XXXX XXXX XXXX XXXX and its subsidiary, XXXX XXXXXXXX XXXX XXXX  guilty of fraud. XXXX XXXX admitted that it collected millions of dollars in fees and interest between XXXX and XXXX to which the Company was not entitled, harmed the credit ratings of certain customers, and unlawfully misused customers sensitive personal information, including customers means of identification, their potential criminal and civil liability stemming from a practice between XXXX and XXXX of pressuring employees to meet unrealistic sales goals that led thousands of employees to provide millions of accounts or products to customers under false pretenses or without consent, often by creating false records or misusing customers identities, the Department of Justice announced. This settlement holds XXXX XXXX accountable for tolerating fraudulent conduct that is remarkable both for its duration and scope, and for its blatant disregard of customers private information. I demand that aforementioned account be immediately remove because it is fact apart of fraud and is hurting my ability to obtain credit. I have attached court records, exhibits and documents. Refer to see link XXXX XXXX XXXX XXXX ) I demand this account be remove immediately
Product: Debt collection

In XX/XX/XXXX after receiving a copy of my credit report from XXXX I filed a dispute for a bill in the amount of {$1200.00} with XXXX XXXX account # XXXX. On XX/XX/XXXX I received a letter from XXXX stating that they had contacted the credit bureaus and requested that the account be closed and deleted from my profile. I receive a current credit report on XX/XX/XXXX and it now shows this account is with a different agency by the name of Source Receivables Management for the same amount of {$1200.00}. None of the Credit Bureaus notified me within the 5 days required by law that this item would be re inserted back on my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Equifax credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX. Please correct and update.
Product: Checking or savings account

On XX/XX/year> I transferred XXXX online from our checking account ending in XXXX into a " XXXXXXXX Account '' ending in XXXX. When I called to transfer the money back into the checking account, they refused and said I need to visit a branch. 

I live in XXXX XXXX and there is no Wells Fargo branch here. 

I transferred the money into the account online, I need to be able to transfer the money back into the original account online or have them do that for me. 

The XXXX Account has matured and the interest being paid on the money is insufficient and I am losing money on this investment. I need to move the money back into the checking account so it can be invested elsewhere. 

My complaint number with Wells Fargo is : XXXX XXXX office direct line is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act ARS Account Resolution ( Account number 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 Section 2 also states a Consumer Reporting Agency can not furnish an account without written instructions.

15 U.S.C 1681c- ( a ) ( 5 ) section states : No consumer reporting agency may make any consumer report containing any of the following items of information. Any adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s-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 accurate.
Product: Credit reporting

In XXXX, I requested my free annual credit report. After viewing my credit report, I noticed over XXXX credit/loan inquiries on my account that was not authorized by me. I contacted each company and was told that there was not any account open under my information. I explained that I have a hard inquiry on my credit report and need it removed as soon as possible so that I could apply for a home. I was told that the inquiries would be removed from my credit report. As of XXXX/XXXX/XXXX, none of the inquiries have been removed dating back to XXXX. I had a initial fraud alert placed on my report on XXXX XXXX, so if any credit reports are being pulled with my information, I was to be contacted by the company before any action was taken place. I just want the inquiries to be removed so that my scores and credit is not being impacted any longer. I would like to purchase a house, but until all of the inquires are removed I will not be approved with XXXX inquires on my credit report.
Product: Credit card

when i looked at my points history, i noticed the credit card company ( wells Fargo XXXX ) had literally crossed out my points on half my purchases. I used the customer service chat option in their app to ask why, and got a generic description of the rule ( i hadn't made enough purchases that month ). I counted my purchases and said that wasn't true. The customer service agent i was chatting with seemed really stupid, the conversation kept going in circles and felt like we were talking at each other. They would ask me to upload a screenshot of what i was seeing ( in their system ), and then tell me they couldn't view the screenshot. 
In the end it turned out they were also deceiving me and this was an AI chat bot. that wasted my time and really frustrated me as i was talking to a brick wall and thus making no progress. I still haven't received my rewards points. 

In the end I asked the chatbot to send me a transcript of our conversation ( so that I could include it in this complaint ). it told me it has to go through a human ( ironic ) and i could not have it immediately. i will upload it if i ever receive it.
Product: Credit card

I was presented in an email from Chase Bank the Chase XXXX credit card application ( see attachment below ) and advertisements on television like on the XXXX XXXX channel. The email I received presented this like a credit card application. After I made my first purchase, I received a payment statement demanding the entire amount of the balance be paid. There appeared to be no month-to-month payment option. On XX/XX/23 at approximately XXXX I called the XXXX number on a letter sent to me and spoke to XXXX ( ID # XXXX ) who could not respond to my card payment options problem but instead transferred from his " payments '' department to XXXX in the " customer service '' department who insisted that I be transferred back to the payments department. This kind of misrepresentation in print, email and television and inability of Chase Bank representatives to address this problem is shameful and disgraceful. These misleading and aggressive practices that I liken to loan sharking tactics. I wish to have a payment program typical of a credit card with normal and customary interest rates and terms, not the 30 % and immediate payment as imposed by Chase Bank.
Product: Credit reporting or other personal consumer reports

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 BALANCE {$270.00} ABOVE REFERENCE ARE ACCOUNTS THAT HAVE BEEN PREVIOUSLY DISPUTED WITH XXXX CREDIT REPORTING SERVICES, I HAVE A FTC REPORT ON FILE FOR IDENTITY THEFT, I ALSO SUBMITTED A POLICE REPORT IN REGARDS TO THESE FRADULENT ACCOUNTS THAT THEY DENIED ADDING TO MY DISPUTE AND I AM IN CURRENT LITIGATION THREW A LAW FIEM CALLED XXXX XXXX XXXX XXXX XXXX XXXX  SUING FOR A SETTLEMENT FROM XXXX OF THERE RECENT DATA BREACH UNDER THE FAIR CREDIT ACT AND CONSUMER LAW THE CREDIT BUREAU HASNT HONORED MY RIGHTS AS A CITIZEN AND HAS VIOLATED MY NATURAL RIGHTS. I DEMAND THAT THESE ACCOUNTS BE REMOVED IMMEDIATELY. Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section XXXX and Section XXXX regarding your continued willful and negligent noncompliance. Despite XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you " verified '' that these items are being " reported correctly ''? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " ... promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil liability and the remedy
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous communication regarding fraudulent accounts that have appeared on my credit report. Despite my initial dispute and the enclosed supporting documentation, these fraudulent accounts remain on my credit report.
Product: Money transfer, virtual currency, or money service

Greetings, on XXXX XXXX, 2022, I was approached by a company that has been offering investment opportunities. They will guarantee my investment and that their company XXXX and changelly will secure my money. I never made the investment until the XXXX of XXXX for {$500.00} then she came back saying that if i can afford more money my profit will grow drastically so i told her that i dont have any more money so i invested an extra {$200.00}. The profit will be ready in XXXX XXXX 2022 and that my money will be available for immediate deposit to my bank account. On XX/XX/XXXX. When it was time for me to receive my funds, she texted me and said that i need to pay the XXXX XXXX of the amount of {$1400.00} dollars in other to receive my funds but was never told that at the beginning she said i had to pay the XXXX XXXX once my funds get deposited in to my bank account. Now I sent the {$1400.00} to the company XXXX and then I received another email saying that my money has a transaction fee of {$850.00} to pay in order for me to receive the funding to my account, so I kept talking back and forth with XXXX XXXX XXXX who is supposedly was and is my broker and she says that i need to send the money in order for me to get the funds deposited. So, I never sent the payment and told her that I will file a police report and so on. I file a claim with the FBI internet crime complaint center. I also filed a dispute with my bank, XXXX XXXX XXXX, which has now refused to send me a new debit card, and I am not at home ; we are currently in XXXX for my wife 's XXXX XXXX XXXX that ; she will be starting on XX/XX/XXXX. At the XXXX XXXX. In all they stole from me {$2100.00}
Product: Bank account or service

Charles Schwab Bank unilaterally determined to close my account. When it did so, it also removed my ability to access my account and account statements through its website. I recently received a check from Schwab for an amount it represents constitutes the balance in my closed account. It misrepresented in the letter that accompanied the check that I asked it to close my account ( it made the determination unilaterally and contrary to my desire ). It provided to me no statement or accounting of the closed account or any other explanation of how it arrived at the amount of the enclosed check. When I called to complain that I have no means of verifying the amount of the check was the actual amount remaining in my closed account, it still refused to provide me with any online access to my account records or statements and has not given me anything as a means of accounting for the amount it sent to me. It just expects me to take its word for the amount.
Product: Debt collection

Excessive harassing calls to all my phone lines. I have XXXX lines and they call XXXX of those lines at least once a day. My daughter is special needs, they call her asking her questions. She was brave enough to tell them to stop calling a special needs person. They keep calling, she doesn't answer. They call my XXXX  mother, who does not speak XXXX, who is XXXX as well. It is too many calls everyday. They need to stop immediately. They use different phone numbers to get through.
Product: Checking or savings account

Affidavit of truth Someone stole my business banking card. I called them and told them what happened, and they still would not give my funds back into my account. The money stolen was over {$9000.00}, so now I'm stuck with no money to run my business and I'm in another country. I did not and never have given anyone authorization to use my business banking card never, nor have I given anyone my four digit pin number. And I told Wells Fargo this. And yet they still did not give my funds back. They have FDIC insurance for anything like this that happens, but still no funds. So i guess i will not have my business anymore. 

Claim Number # XXXX XXXX XXXX Business : XXXX XXXX XXXX XXXX XXXX.
Product: Credit card

XXXX Inquiry by Capitol One credit card. 
Capital One -someone tried to apply for a credit card in my name XXXX XXXX someone tried to apply for a credit card in my name
Product: Mortgage

My homeowner mortgage is with Shellpoint Mortgage Servicing. Prior to XX/XX/2020, I have been receiving my monthly statements from Shellpoint by U.S. Mail. I have been paying my monthly mortgage to Shellpoint by U.S. Mail as well.

Suddenly and without notice, Shellpoint stopped mailing my monthly mortgage statements. Each time I called and spoke with a representative ( including supervisors ) about the problem, they never indicated that Shellpoint has done away with mailing monthly mortgage statements. Each time I inquired about the reason why I am not receiving my monthly statements via U.S. Mail, Shellpoint has not been forthcoming in explaining.

My complaint is about the fact Shellpoint stopped mailing monthly statements without prior notification. My guess is, going forward, Shellpoint wants every transaction executed online instead via U.S. Mail. If this is the case, they should notify their customers in advance and not deceive them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX on XX/XX/XXXX to look at a 2007   XXXX XXXX XXXX pickup and a 2007  XXXX XXXX box truck. I wanted to test drive and negotiate as I wanted to pay cash.

1. I was told financing wasn't an option as the autos were older than 10 yrs.

2. The box truck was considered commercial and could not be financed.

Regardless, I didn't want to finance the autos. If all worked out, I wanted to make a deal for both trucks-CASH -- NO FINANCING.

Prior to test drive, the dealer required that I complete a credit application for no reason other than potential discriminatory reasons. I have never heard of anyone requiring a credit report prior to a test drive. They already obtained a copy of my insurance and drivers license. There was no reason to check my credit file. This was deceptive. I requested the dealership to remove the used car inquiry but they did not respond.
Product: Mortgage

I purchased a new home before selling my old home. I went through XXXX XXXX, XXXX XXXX Mortgage Advisor. He recommended XXXX XXXX XXXX as the lender because they offer a 'recast ' product which allows me to apply the proceeds of the sale of my first home, and it will lower my monthly payments as opposed to just applying it to the principal and keeping the same high payments. We closed on the new home XX/XX/19 and sold our original home XX/XX/19. On XX/XX/19, I called XXXX XXXX XXXX to start the recast process. When I called, I was told I had to email them, so I emailed them that night with all my information. This included the account number, my contact info, and how much I wanted to put on the mortgage. I received an auto reply, so never opened the email until XX/XX/19. As I scrolled down, I read they were asking for all the info I had already sent them. I replied to that email and repeated the information which was in the earlier email. I heard back on XX/XX/19, in a confidential document that I had to sign in for, only to read that they could not start the process because my loan was getting sold. I had to apply again after XX/XX/XXXX. XXXX XXXX had said the process takes 60-90 days, so now I have to wait until XX/XX/XXXXto apply again to start the process! I feel this is a scam and a way for them to keep getting high interest payments from me. I contacted XXXX at XXXX, and he contacted them to see who it is getting sold to. I'm in fear then ew company wont allow recasting! It hasnt evenbeen assigned yet, it's only in the process of getting sold. This is another reason why I dont understand why they can't allow me to recast now. Please advise asap, time is of the essence.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian, XXXX and XXXX Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXXXXXX {$71.00} XXXX XXXX XXXXXXXX {$890.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$480.00} Date Opened : XX/XX/XXXX