23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Back in XXXX or XXXX XXXX XXXX and XXXX XXXX XXXX were struggling to pay our mortgage with Wells Fargo we all but begged for a modification on our loan we were unable to keep the house due to Wells Fargo not working with us at all. We just gave it back to them and moved out due to we both at the time lost our jobs due to our company closed. I sent letters certified to the CFPB on XX/XX/XXXX and was never given a response from your division and also to Wells Fargo neither CFPB and Wells Fargo never responded. Then I get a letter from Wells Fargo with a check for XXXX the letter stated that if an error may have occurred. But I can not get a straight answer when calling or writing its just no kind of response until I get letter with XXXX check. Well they put me and my now deceased husband through XXXX during that time because we wanted to keep the house but just got the absolute run around from Wells Fargo we sent and faxed and mailed over and over again paperwork through certified mail and then Wells Fargo said they never got paperwork every single time. But I do feel like I was affected my them not trying to modify the loan and they just put us off. I feel like I should have gotten more compensation then saying a error may have occurred and shut me up with XXXX. I am not going to let this go they could have worked with us on this loan but all these big corporations think they can always run over the little guy, like they did with us. I would like for you to please help me with this like I said I sent paperwork to yall certified on XX/XX/XXXX and no response from you either. But XXXX is not going to get it for me and this is the second check they have sent I have not cased either as I know that would be letting them off the hook. I just think Wells Fargo is trying to ignore the situation. It just not right and we the people if we dont stand up to the mammoth bullies they will continue to XXXX over the little people that are trying to do right by the law. The account number original number is XXXX, on their letters they send they say the mortgage account number is XXXX. The case number I was given in XXXX letter where they asked for our patience was dated XX/XX/XXXX with a case number of # XXXX. I would like for you to look into this for me being I just get the run around with Wells Fargo and when I did speak to someone they act stupid. The loan was in mine and my husbands name that would be XXXX XXXX XXXX and XXXX XXXX. They keep sending checks to the both of us and they were told by letter he is deceased and they only sent 2 one I did not cash and got one last week that was for 200.00. I am not cashing either one of them due to it would probably get them off the hook. I hope someone will get back to me about this complaint. 

XXXX, XXXX XXXX
Product: Checking or savings account

Wells Fargo allowed $ XXXX to be illegally transferred out of our Homeowners Association savings account in XX/XX/2018, by a hacker who stole our XXXX/XXXX identity. Wells refuses to put the funds back in our account even though it is FDIC insured, and the amount had to be reported since it was $ XXXX. They say they need a summons or legal document to pull the IP address of the computer that accessed and transferred the funds. So they want the Association to spend upwards of {$2000.00} to hire an attorney, open a court case and get a subpoena. And all because of their error. This is a small non-profit Homeowners Association. Jumping through all of their hoops would put us in further financial distress. Again, this was the banks error. Wells is being a bully and making us jump through hoops and incur additional expenses all because of their lack of due diligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XX/XX/XXXX I reached out via online to Transunion XXXX XXXX and Transunion that I would like dispute XXXX XXXX that is listed on my credit report as inaccurate reporting. 

Also, on XXXX I contacted all 3 credit bureaus by mail asking them to investigate the in accurate credit report regarding XXXX XXXX and XXXX XXXX XXXX XXXX Yet they've claim that they've investigated the matter without providing me any wet ink signature agreements or contracts that confirms these companies personally has contracted with me. Sadly, to say somehow these organizations received my private and personal information without my consent and are reporting fraudulently. 15 USC 1681 15 usc 1692 ( d ) Harassment ; 15 USC 1692 ( e ) False and Misleading On XXXX XX/XX/XXXX I followed up with XXXX XXXX XXXX and Transunion all three bureaus by phone to ask why the previous request has not been resolved and that I'm still showing inaccuracies on my credit report. I demanded that they removed these because they are abusive debt collection practices 15 US 1692 ( a ) I spent a lot of my time and energy looking to resolve, dispute this by reaching out to these unknown companies that I never contracted with requesting them to cease and desist from their unfair practices. Yet my online request, mail and phone calls have been ignored for far too long.
Product: Credit card

Our Wells Fargo ( WF ) Visa experienced some $ XXXX in unauthorized charges. Reported these to WF and removed the charges, but a couple of weeks later all of the charges reappeared as WF sided with the merchants to reinstate the charges. WF discovered that fraudulent charges led to some email address that is not mine, to some address over XXXX miles away from me that is not mine, and that someone verified one of the charges using a XXXX XXXX phone number that someone had hacked into so anyone could have made that call. I mailed to Wells Fargo Fraud Claims " Reconsideration '' department today a detailed packet outlining how these pieces of evidence prove in fact that the charges were unauthorized - for example that XXXX XXXX XXXX has shut down the fraudulent telephone number opened in my name, that the address XXXX miles away from me was a fraud address I have never lived at and has been removed from my credit profiles and a fraud alert placed on them. Also WF said that someone faxed to a merchant an ID for me, but I asked WF to get that fax because I am sure it will prove that the ID is fake since at least no one stole my ID of that I am certain. The law 15 U.S.C. 1643 ( b ) states that the burden of proof is on the card issuer to prove that the charges were authorized - I do not have to prove that the charges were unauthorized. In any case, this is an unfortunate situation and I feel bad for the merchants but someone has opened a fraud telephone account for me at a fraud address I do not live at, and submitted no doubt fraud documents to try to use my credit card. This is more than credit card misuse this is account takeover. WF must remove all these charges because I will not pay for unauthorized charges, never.
Product: Credit reporting or other personal consumer reports

I am incredibly stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family, and this is completely unfair. I have tried several times to get these accounts removed. In addition to my information being exposed in Equifax and XXXX XXXX XXXX data breaches most recently, so I thought you all would protect my consumer report. I do not feel that my information is being protected. Most recently, I received mail from XXXX XXXX XXXX attempting to collect a debt owed to XXXX XXXX XXXX XXXX in the amount of {$10000.00} that does not belong to me! This is defamation of my character and a federal law violation. According to 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not fair, and it's going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal for these companies to give people 's information away to 3rd party companies. This is damaging, neglectful, and fraudulent. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negative effecting my livelihood, and that of my family, putting us in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.
Product: Mortgage

In early XX/XX/XXXX I contacted XXXX XXXX, Wells Fargo Mortgage Representative to apply for a refinance cash out mortgage on a secondary property I owned with my best friend. I was buying out my best friend 's 50 % ownership of the property to become sole owner of the residence in XXXX, Delaware. The early activities relating to the refinance went well. The problems began at the time of settlement. The closing transaction that occurred on the original date had to be rescinded, because Wells Fargo failed to prepare completely and accurately the closing documents. When the transaction was rescinded, and no new deed provided, Wells Fargo tried to blame XXXX XXXX, Notary of the rescinded transaction and as a result his employer didn't want to pay him for his service. I had to write a letter on XXXX  's behalf to ensure he was paid. A second settlement was scheduled on XX/XX/XXXX at XXXX. Again, the mortgage documents were not prepared correctly. It took 3 additional edits of the closing documents in which XXXX XXXX, Delaware attorney had to hold Wells Fargo 's hand and guide them through the corrections before we could proceed with closing. A XXXX  closing now became a XXXX closing. I'm not sure if the fiasco with this refinance mortgage was caused by lack of oversight of the entire process by Wells Fargo, imcompetence, XXXX, or all of the above, but this transaction caused me and by best friend a lot of stress and anxiety that was unwarranted and unacceptable. It's a fiasco such as this and the treatment we received how we understand why this financial institution was fined XXXX XXXX dollars for unethical business practices. This botched transaction also caused a significant delay with the wire transfer and my ability to pay my best friend the 50 % investment as a result of the buy out.
Product: Credit reporting, credit repair services, or other personal consumer reports

Companys refuse to remove from credit reports sent multiple reports XX/XX/2020, XX/XX/2020, XX/XX/2020 all with attached police report letting them know this account is not mine and was open due to identity theft.
Product: Credit card or prepaid card

Capital One reported " computer issues '' in XXXX of XXXX that somehow affected their apps displayed minimum payment due with the actual amount due. Since I was enrolled in paperless billing at the time, I did not have a physical statement to compare the payments to. The app stated that I needed to pay {$57.00} dollars in XXXX when I actually needed to pay {$59.00}. They are reporting a thirty day delinquency on my credit report over the {$2.00} shortage. Yet they have admitted that it was a " bug '' in their app 's software. In light of all their recent cyber troubles I insist that they remove this delinquency. This account has been open since XXXX and I've never been late. Something is not consistent with their false accusation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent dispute letters to the credit bureau and the creditor : PORTFOLIO RECOVERY ASSOCIATES, LLC about inaccurate information on my credit report and I would like it deleted. They sent a letter back to me on XX/XX/2019 attempting to verify the account but information is still inaccurate and not my account. This was opened fraudulently.
Product: Credit card

Please examine the attached documents. I kindly ask the credit bureau to initiate an investigation into these accounts. Despite my punctuality, they are erroneously reporting me as being late.
Product: Vehicle loan or lease

I paid a fee to defer my loan payments for certain months but the company mark them as late payments Company Name is GM Financial
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this complaint due to inaccurate names on my credit report, inaccurate addresses, 1 auto loan account ( XXXX XXXX XXXX ) and unauthorized inquiries. Ive sent in a 609 letter to TransUnion, and also contacted the other bureaus regarding this issue!
Product: Vehicle loan or lease

I have a new loan with MACU, for a class C camper, but I am having issues getting the title from them. 

XXXX XX/XX/XXXX, I co-signed on a loan for my son-in-law, for this camper ... no issues here. 

XXXX XX/XX/XXXX, my daughter and son-in-law broke up, so I bought the camper from him ... financing the loan, again, through MACU. 

-As of today, XX/XX/XXXX, I still haven't received the title, in order to register with my home state of Missouri XXXX At this point, I'm on my 2nd payment on the loan, but I can't get tags and I'm facing late penalties from the state for being late. 

XXXXMountain America CU has stated to me that the only thing holding up the title, is that the seller needs to sign/notorize another form ... which they stated that they initially had in their system, but lost at some point. Email attached showing that they had it in their system. 

-Mountain America CU has already sent the seller his proceeds of $ XXXX, so he has no initiative to help in any way. 

I realize that they need certain documentation, but this was an error on their part ( losing the seller 's signed form ) and I am the one stuck with no resolution and facing penalties. 

Communication has been terrible, through the whole process, but a few of the people I've dealt with have been very nice ( XXXX XXXX and XXXX XXXX ).
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

My identity have been stolen. My credit reports have a XXXX XXXX account that I never opened.I need this to be removed from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Public Record Chapter XXXX does not belong to me. I have disputed this with all 3 credit reporting agency XXXX, XXXX and TransUnion several times.
Product: Debt collection

Hi, Earlier today I filed a complaint with the CPFB, # XXXX Today at XXXX XXXX  EST I received a call from XXXX. The person on the phone said her name was XXXX, that she was with the JP Morgan Executive Office, and had to verify some information with regards to the complaint I just filed. 

I told her it was not a good time, my wife was sick and I was watching my son. She insisted and said " it will only take a minute. '' She then asked me for personally identifiable information like my birth date, address, etc. 

I informed her I do not give out personally identifiable information ( PII ) to random people who call me. Ironically part of my original complaint was that random people were asking me for PII. 

It should be made clear to JPM that no one is under any obligation to provide PII to someone who calls them. Indeed given the number of scammers out there, they should not be requesting this.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019, I made a direct deposit into my landlords account from my checking account. This money was for my rent at the time ( {$1700.00} ) XXXX XXXX XXXX XXXX dollars. 
My landlord contacted me a few days later to tell me that the money was rejected for insufficient funds. This was not true. The money was indeed in the bank, and too, it was processed by Chase Bank. 

I have been in contact with my bank ( XXXX ) numerous times over the course of these past few months. 
After reviewing my case XXXX determined that the claim of insufficient funds was incorrect, that that would reflect on my account, which it does not. 

XXXX opened an investigation with Chase Bank but Chase refuse to send the money back to me, nor was my landlord given the monies. 
XXXX sent me a letter after me calling them time and time again and sending them a letter wanting to know what was happening. 
They are leaving me to handle the situation. They told me I need to go to Chase Bank to try and resolve this issue, as they attempted to retrieve the monies but were denied. 
It is beyond belief that a bank steals my rent money and refuses to give it back, then I am expected to go them to ask for my money back. 

My bank ( XXXX XXXX can do nothing more at this point. They said that the letter should be enough proof to show that I had the money, Chase bank took it and are denying the return. I am at my wits end and have contacted every agency that I have been directed to by the Attorney Generals Office.

The last being the Office of the Comptroller of the Currency directed me back to you.
Product: Money transfer, virtual currency, or money service

Per Venmo online FAQs, to close an account, you access your account go to settings then choose a link that says " Close my Venmo Account. '' I have tried this numerous times over the past month from various devices connected to high speed internet. All that happens is a " loading screen '' pops up. It never actually loads, so I can't actually close my account and have my banking information removed from this service. I have no outstanding transactions and I no longer wish for my information to be on the internet. 

I used the Venmo " Contact Us '' page to email a description of my problem. I got response from ( presumably ) a robot telling me how to delete the app and reinstall it, which is useless, as per Venmo FAQs, one can not delete an account from the app, only from the desktop browser. 

I replied to that response, clarifying that I had followed the Venmo instructions regarding how to close an account but have been unable to close my account. I clarified that information about the app is not helpful and the real problem is the broken link on the website. 

The Venmo rponse to my reply was to again send me instructions to go to my account, settings and choose the link the close my account. There seems to be a willful failure to address the issue, which still exists because I can not close my account. This also does not seem to be something that would be broken only for me. It seems they have disabled the ability to close an Venmo account, in violation of their own terms of service, and surely some law as well. 

I just want to close my account and scrub my banking information from their servers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB : When I went to check my Credit Report and FICO Score I noticed that I had over 13 late payments for my mortgage. I have an automatic payment plan with my bank that pays this mortgage payment on time every month for the past 10 or so years.
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I sent a RESPA Letter to   XXXX   XXXX   XXXX   XXXX   and when I received their response it was incomplete but showed that when then took over   XXXX   XXXX   XXXX   Account 's ...   XXXX   XXXX   XXXX   XXXX    was receiving payments but NOT posting them timely to my mortgage account. In addition,   XXXX   XXXX   XXXX   XXXX   withdrew every penny I had in escrow to cover fees that they said I occurred for the 'late payments '.
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I asked them to correct this information over a year ago and refund the escrow monies. I have not heard a word.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, XXXX account XXXX XXXX, XXXX XXXX XXXX XXXX account # 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 602 A Section 2 : It states a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit reporting or other personal consumer reports

My disappointment is immeasurable and my day is ruined! Not only did the Credit Bureaus did not comply with the requests of deleting the disputed fraudulent accounts and yet they have also failed to provide documents validating their claims. Let me remind the Credit Reporting Agencies that under the Fair Credit reporting Act section 605b, the Credit Bureaus are required by law to remove any and all fraudulent accounts and information from my Credit file, so please do so. I am submitting this CFPB Complaint in accordance with the Fair Credit reporting Act and demand the immediate deletion of the following fraudulent accounts completely from my Credit File : XXXX XXXXXXXX Balance : {$9400.00} XXXX XXXX Balance : {$0.00}. As I have previously demanded, the Credit Bureaus should provide me with documents supporting their claims, and yet they have failed to do so. Their inability to follow such simple conditions shows how negligent the Credit Bureaus are. The disputed accounts should have been removed completely from my Credit File.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been discovered that you are not DISPOSING files when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm uploading this Complaint to assist with laying out a lawful response. In the event that you decide to not REMOVE the accompanying things written down below which are answering inappropriately because of fraud, I will hand my archives over to my lawyer to begin a lawful procedure. It's my goal to not seek after any legitimate activity so if it's not too much trouble, act in accordance with the law. 
XXXXXXXX XXXX  Date of inquiry XX/XX/2021 ; XXXX XXXX XXXXXXXX Balance {$73000.00} ; XXXX XXXX XXXXXXXX Balance {$20000.00} ; XXXX XXXX Balance {$17000.00} ; XXXX XXXX Bankruptcy XXXX Dismissed ; XXXX XXXXXXXX Bankruptcy XXXX Dismissed ; XXXX XXXX Bankruptcy XXXX Dismissed ; XXXX XXXX Balance {$17000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

CFBP write up In accordance with the fair Credit Reporting act XXXX Account # 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 602 A 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

My checking account was closed twice for overdraft that I wasnt committing and navy federal kept reissuing me debit cards I didnt ask for so when I went to fix it my check off XXXX dollars was taken I reached out to the online agents and continuously tried to get some understanding and get my issues resolved they only erased my messages I sent direct and closed out my case numerous of times
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$71.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$450.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.