23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/XXXX I requested a direct deposit cash advance from XXXX XXXX  XXXX XXXX credit card for {$9000.00} to my checking Account with Wells Fargo. The transaction was processed on XX/XX/XXXX but I never received the funds because it went to the wrong account. I was notified by XXXX that the money was deposited successfully, but since I never saw that deposit on my account I contact Wells Fargo immediately, but they told me I had to contact XXXX  XXXX XXXX since they were the issuer. I called XXXX  XXXX XXXX and place a claim. On XX/XX/XXXX I received a letter which stated that they were working on my case. on XX/XX/XXXX they also contacted me by letter stating that a valid account was located and credited ( wrong account not under my name ) They also stated when I called that since that account is not under my name that balance transfer was going to be returned but that never happen. Somebody else have my money. I called again on XXXX for a XXXX complaint of and on XX/XX/XXXX they stated the transaction was not rejected by Wells Fargo and my dispute was resolved. I went to one of the Wells Fargo bank branch en XXXX XXXX XXXX XXXX, but the manager just stated they cant do anything. They just tried to called fraud department to place a claim, and on XX/XX/XXXX I got a message from Wells Fargo stating basically they wont do anything about it since that wasnt their mistake. 
I just cant believe they way wells Fargo manage this situation. They dont care about me ( client ). They dont make a deep investigation, Im telling them where the money went and thats not enough. Thats not my account and its not under my name. They just dont request any additional information from me to prove that the money was coming from my personal credit card to my checking account. The resolution For me obviously is unsuccessful. 
XXXX have tried to get in contact with Wells Fargo and it seems XXXX do not want to cooperate. 
Attached find the last email received from Wells Fargo. Sooo disappointed with the customer services. Worst bank ever
Product: Mortgage

Several years back my mortgage payment kept increasing when it was supposed to be a fixed loan, I ended up losing my house Because the mortgage company refused to work with me. After they asked for a set amount to pay to get us caught up, they ended up foreclosing on the home on XX/XX/2012. I contacted a company that I saw advertising on Tv that was supposed to help me avoid foreclosure where I had to pay XXXX down and they would take care of the rest, obviously when I tried to contact the mortgage company to see if they had spoke to this firm, they said they dont work with those types of companies and we was just put that money also. We asked the mortgage company what it would take to keep our house but they refused to take any amount we offered but they ended up selling at the auction for around 24k dollars or maybe it was a little less, either way we owed at least 3 times as much for the mortgage. I ended up filing bankruptcy in the end because they tried to stick me with the difference.
Product: Mortgage

*Subject : * Complaint Against MortgagePros and their Employee XXXX XXXX XXXX Dear Consumer Financial Protection Bureau , I am writing to formally report deceptive practices by MortgagePros , specifically involving one of their employees, XXXX XXXX XXXX , a senior mortgage banker. My experience with this company has left me in a difficult financial situation due to misleading information provided during the mortgage refinancing process. 

On XX/XX/XXXX, I refinanced my mortgage with XXXX, and XXXX XXXX assured me of several key points that influenced my decision : 1. *Tax Payments* : He claimed that my taxes for XXXX and XXXX were paid, but I have now been informed that I owe an accumulated bills due to this being untrue. 
2. *Refund of Mortgage Payments* : XXXX XXXX promised that my mortgage payments of * $ XXXX for XXXX and XX/XX/XXXX would be refunded, which has not occurred. 
3. *Appraisal Fees* : He assured me that my appraisal fees totaling * $ XXXX would be refunded, which has also not happened. 
4. *Escrow Balance* : XXXX XXXX stated that my escrow balance of over * $ XXXX would be paid at the closing of the mortgage, which did not take place. 

After realizing these discrepancies, I attempted to contact XXXX XXXX for clarification, but I have faced long hold times and unreturned calls. For over a week, I have been unable to receive any response from him or other customer service representatives. 

Due to these false assurances, I am now facing severe financial distress and potential bankruptcy. I was not in a rush to refinance, but I felt pressured by the promises made by XXXX XXXX. 

I believe that these deceptive practices warrant investigation, and I am requesting your assistance in addressing this matter. Below are the details of my loan application for your reference : - *Date Issued* : XX/XX/XXXX - *Closing Date* : XX/XX/XXXX - *Disbursement Date* : XX/XX/XXXX - *Settlement Agent* : XXXX XXXX XXXX  - *File* : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX - *Appraised Property Value* : {$410000.00} - *Borrower* : XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) - *Lender* : MortgagePros , LLC - *Loan Term* : 25 years - *Purpose* : Refinance - *Product* : Fixed Rate - *Loan Type* : Conventional - *Loan ID* : XXXX - *MIC* : XXXX Thank you for your attention to this serious matter. I look forward to your response. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The account listed below is reporting inaccurately on my credit report and it is in violation of The 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. After further investigation, the account is reporting inaccurately. I have NOT been provided with a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX : This account has been paid. 

XXXX XXXX XXXX XXXX XXXX XXXX ) : I have never had cell service through XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

UNDER THE FAIR CREDIT REPORTING ACT. THESE ACCOUNTS HAS VIOLATED MY RIGHTS BY REPORTING FRAUDULENT ACCOUNTS TO MY CONSUMER REPORT. FCRA IS A FEDERAL LAW THAT HELPS TO ENSURE THE ACCURACY, FAIRNESS AND PRIVACY OF THE INFORMATION IN CONSUMER CREDIT BUREAU FILES. XXXX, XXXX, AND TRANSUNION HAS VIOLATED MY RIGHTS BY REPORTING FRAUDULENT AND FALSE INFORMATION TO MY CREDIT REPORT. THESE ACCOUNTS LISTED BELOW IS FRAUDULENT : 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 XXXXXXXX. YOU, XXXX, XXXX, AND TRANSUNION, HAVE VIOLATED MY RIGHTS BY REPORTING THESE ACCOUNTS TO MY CREDIT REPORT ACCORDING TO [ 15 USC 1681 ( a ) ( 2 ) ( B ). FAILURE TO RESPOND SATISFACTORILY WITH DELETION OF THE ABOVE REFERENCED ACCOUNTS, AND SEND OUT A FREE COPY OF MY CREDIT REPORT AFTER THE CHANGES HAVE BEEN MADE WILL RESULT IN LEGAL ACTIONS BEING TAKEN AGAINST YOUR AGENCY, FOR WHICH I WILL ALSO BE SEEKING {$1000.00} PER VIOLATION FOR : DEFAMATION OF CHARACTER 2. NEGLIGENT ENABLEMENT OF IDENTITY FRAUD 3. FAIR DEBT COLLECTIONS PRACTICES ACT 15 USC 1692g VIOLATIONS.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX, XXXX and Experian for their failure to respond adequately to my previous dispute letters. I believe my rights under the Fair Credit Reporting Act ( FCRA ) have been violated, and I am seeking your assistance to address this matter. On XX/XX/year>, I initially submitted dispute letters to the respective credit bureaus, disputing the accuracy of certain information on my credit reports. My dispute letters included details of the inaccurate information and evidence supporting my claims. As required by law, I expected the credit bureaus to conduct a reasonable investigation into my disputes and respond within the stipulated time frame. Unfortunately, despite my efforts to engage with the credit bureaus and my commitment to resolving discrepancies on my credit reports, I have received little to no response from them. I have not received any meaningful communication acknowledging the disputes I raised, nor have I been provided with the results of their investigations.
Product: Debt collection

I received a debt collection letter from Midwest receivable solutions and I have never heard of this company
Product: Prepaid card

On XX/XX/2025, I had received and activated an American Express gift card for {$25.00}. However, every online purchase I tried making was declined or not accepted. Any purchase I did try and make was under {$25.00}, so I am stuck with card valued at {$25.00} but I can not purchase anything with it.
Product: Credit reporting or other personal consumer reports

Dear CFPB, XXXX, XXXX, TRANSUNION, AND XXXX XXXX, I write to you as a concerned consumer, well aware of my rights under federal law, particularly as enshrined in the tenets of 15 U.S.C. 1681 ( i ) ( 7 ) and 15 U.S.C. 1681 ( i ) ( 5 ). These statutes underscore the need for timely, accurate, and impartial credit reporting, principles I hold dear in my relationship with your esteemed agency. 
My concern pertains to XXXX XXXX XXXX XXXX XXXX XXXX which, upon meticulous examination of my credit report, reveals glaring inconsistencies. While I have previously attempted to dispute the account 's accuracy, these efforts have regrettably yielded no conclusive verification of its legitimacy. It is imperative to reiterate that the legitimacy and credibility of this account are significantly questionable. 
15 U.S.C. 1681 ( i ) ( 7 ) obligates your agency to promptly correct or delete any information found to be inaccurately reported. The stark discrepancy in the status of the account in question across the major credit bureaus constitutes a clear-cut case for a detailed investigation, as well as the subsequent deletion of the disputed account. 
I hereby formally request that your agency not only undertake a thorough investigation into the contested account, as mandated by the law, but also proceed with the immediate deletion of this account. It is important to emphasize that previous investigations have left a trail of unsatisfactory responses, leaving me with little recourse other than to insist upon its deletion to restore the integrity of my credit report.

In the pursuit of my rights as a consumer and under the aegis of 15 U.S.C. 1681 ( i ) ( 5 ), I demand a diligent, accurate, and swift response. The statute underscores the importance of your agency 's role in upholding the principles of fairness and accuracy in credit reporting. 
The demand for the deletion of the disputed account is not merely a request ; it is a legal and ethical imperative to rectify the inaccuracies that have tarnished my creditworthiness and financial standing. The precedent set by federal statutes and the protection of consumer rights firmly support this request. 
In conclusion, I implore your agency to treat this matter with the utmost gravity and urgency it merits. The due diligence and expeditious attention to this matter are not only prudent but absolutely essential to rectify the apparent inaccuracies affecting my credit report. 
I anticipate your prompt acknowledgment of this request and expect a timely resolution, which will restore precision, impartiality, and credibility to my credit report. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Extremely disappointed in Discover. I made a purchase on XXXX on XX/XX/2020 for an item coming from XXXX XXXX. I paid through XXXX which was linked to my Discover card. According to the tracking that was provided by the USPS - the item was delivered on XX/XX/2020, however I never received the item. It was not left anywhere on my property or with my neighbors etc. I called the USPS and they said that because the package originated in the XXXX - that they could not open a case it would have to be done by the seller and the international post. I reached out to the seller and she never responded, even when i had requested that the item e delivered with a signature required. I submitted a claim with XXXX who denied it because the tracking says the item was delivered, and that I should dispute it with my credit card company. I submitted a claim with Discover - for the purchase of the item and the shipping, and Discover subsequently denied the claim as well based on the USPS tracking number. I even reached out on multiple instances, and when I submitted the claim I explained that the tracking says delivered but that I did not receive it, to which I was assured that I would not be responsible for an item that I did not get. I understand that there are issues with the USPS and being delayed etc, however why should I be responsible to pay for an item that was over {$300.00} that I never received? They just saw what USPS tracking said, and that was it. I guess I paid a lot of money for a USPS employee to steal my item, or a porch pirate, but I think that there should be much better protection for a consumer in this instance. Especially during a pandemic, when times are hard as it is. I just find it extremely disconcerting that Discover would leave me with this financial burden.
Product: Money transfer, virtual currency, or money service

One XX/XX/18, I discovered a fraudulent ACH transfer made on XX/XX/18 from my Bank of America Small Business Checking, one day after the amount had posted to my account. On the next business day ( XX/XX/18 ) I called both the bank and the merchant ( XXXX XXXX  ). Bank of America told me to fax in a claim ( which I did immediately ), and XXXX XXXX agreed that the transaction looked fraudulent ( they had no indication or proof that I had requested, initiated, authorized or approved the ACH transfer ). XXXX said I merely had to dispute the charge through my bank, Bank of America, and that they would quickly reverse the ACH transfer ( which had been deposited into their XXXX XXXX   account, on behalf the individual who fraudulently requested the transfer ). For the last two months I've been told that my claim was in review at Bank of America ( many calls to check in on it ). Bank of America then denied my claim, stating that the receiving bank/merchant had declined to reverse the charge. In phone calls with XXXX, they claimed that they would immediately refund the transfer if it was disputed by my bank. However, my bank said it was declined. Bank of America has provided no proof that XXXX and/or the receiving bank had authorization from me for this ACH payment, nor will they even send me documents to prove that they made the dispute. The ACH payment was made to a company I've never heard of and have never done business with.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.
Product: Mortgage

I filed for a loan mod in XXXX XXXX. XXXX XXXX XXXX I was informed they did n't have enough time to get the documents into underwriting. XXXX XXXX XXXX was the scheduled auction date on my home, so I filed BK chapter XXXX to save my home. If XXXX XXXX I did a chapter XXXX conversion to chapter XXXX. The bank went back to the court to have the stay lifted, on the grounds that I was 15 payments behind. That was not true, but I did n't have the necessary evidence with me to prove that. I have a payment history report from Nationstar Mortgage XXXX TX showing the payments and the date they were received. They charged me an enormous amount in interest when my note says not to exceed 4 %. They proceeded with foreclosure because the courts lifted the stay.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$6900.00} XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2000.00XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXX XXXXXXXX Balance : {$830.00}
Product: Credit card or prepaid card

On XX/XX/XXXX at XXXX EST I booked a room online with XXXX XXXX XXXX XXXX XXXX using my Chase Prime Visa Card for an upcoming stay. I paid the full price for the room, {$310.00}, on XX/XX/XXXX which is both the date I executed the transaction and the date reflected on my receipt from XXXX XXXX. Per the terms on the XXXX XXXX booking page where I executed the transaction on that day : " The full amount of stay will be charged to your credit card immediately ''. 

I was enticed to use my Chase Prime Visa card for this XXXX XXXX transaction based solely on the fact that I had clicked upon, activated, and accepted a " Chase Offer '' which was available to me on my Chase Prime Visa card specifically for making a XXXX XXXX booking. But for this specific Chase Offer, I would not have used this Chase credit card for this particular booking, and would instead have used my XXXX credit card. 

The terms of the Chase Offer in pertinent part read : " Earn 10 % back on your stay at a XXXX XXXX branded hotel when you spend {$100.00} or more, with a {$32.00} back maximum... Offer expires XX/XX/XXXX. Offer valid one time only. Complete payment for your stay must be made by XX/XX/XXXX. '' Though I have clearly fulfilled all the terms of this offer as extended to me and accepted by me on XX/XX/XXXX, Chase is denying the money owed as a statement credit due to whatever the internal processes/ interactions that occur between the merchant and banking entities on the back end of this particular transaction that caused it not to show on my Chase account until XX/XX/XXXX, 11 days after I had paid the full amount for my stay per the terms outlined by XXXX XXXX on the booking page as well as per the terms of the Chase Offer. 

The idea that I, as a nave consumer who has followed all the rules and lived up to all the terms extended to me by both of these multinational corporations, should be penalized for whatever Byzantine processing delays caused this transaction not to filter through to the Chase side until 11 days after I executed this transaction is utterly preposterous. Nowhere in the terms and conditions of the Chase Offer is there any sort of language indicating that any scenario like this might jeopardize the statement credit. 

How far ahead of time would a consumer need to execute their transaction in order to fulfill the terms of the offer in such a scenario? Clearly, its 11 days or more. Is it 20 days? 30? If the consumer needs to execute the transaction 11, 20, 30 or more days before the expiration date in order to receive the statement credit due to them, this needs to be explicitly communicated in the terms and conditions of the offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  FAILED TO UPDATE XXXX LOAN NO.XXXX, THIS ACCOUNT WAS DISCHARGED ON XX/XX/XXXX. UPDATE TRADELINE AS A DEBT CANCELLATION OF XXXX. PAID CLOSED CANCELLED.

ALSO, XXXX XXXX XXXX   NO.XXXX WAS REPORTING PAYING AS AGREED NEVER LATE PRIOR TO THE BANKRUPTCY OF XX/XX/XXXX.

RE-INSERT XXXX XXXX XXXX NO.XXXX. PAID IN FULL VER LATE AND CLOSED.

LASTLY, XXXX XXXX XXXX IN AN INVALID TRADE OF XXXX.

UPDATE STATUS PAID IN FULL, CLOSED/TRASFERRED TO RCS. XXXX IS NAMMED IN BANKRUPTCY XX/XX/XXXX AND DISCHARGED XX/XX/XXXX.

DELETE ALL HARD INQUIRIES FOR THEY ARE INCLUDED IN BANKRUPTCY.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tennessee XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items that are present on my credit report. I have reviewed my report and have identified a number of items that are either inaccurate or unauthorized. I request that these items be removed from my report as soon as possible. 

The first issue is regarding an inquiry made by XXXX XXXX XXXX on XX/XX/XXXX. I have no recollection of authorizing this credit pull, and I demand that it be removed from my report. 

Similarly, I also dispute the inquiries made by XXXX XXXX XXXX XXXX, XXXX, XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, as well as the inquiries made by XXXX and XXXX on XX/XX/XXXX. I have no recollection of authorizing any of these credit pulls, and I demand that they be removed from my report. 

Additionally, I dispute the inquiries made by XXXX XXXX XXXX XXXX and XXXX XXXX - XXXX on XX/XX/XXXX, as well as the inquiry made by XXXX on XX/XX/XXXX. I have no recollection of authorizing these credit pulls and demand that they be removed from my report. 

I also dispute the inquiry made by XXXX XXXX on an account number XXXX. I request that you verify the payment status, balance, comments, payment history, and account number, as they might be incorrect. Furthermore, I demand that this account be either fixed or deleted from my report completely. 

I also dispute the inquiries made by XXXX and XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX and XXXX XXXX on XX/XX/XXXX, as well as the inquiries made by XXXX XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX, XXXX  XXXX and XXXX XXXX XXXX XXXX XX/XX/XXXX, and XXXX  on XX/XX/XXXX. I have no recollection of authorizing any of these credit pulls, and I demand that they be removed from my report. 

Moreover, I dispute the accounts associated with the following account numbers : XXXX and XXXX. I have never had any business relationship with these companies, and hence, there is no way that these accounts belong to me. I request that you delete these unknown accounts from my credit report right away. 

Lastly, I dispute the following personal information present in my report, which is incorrect : Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX, TN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX. Please remove these errors from my credit report as soon as possible. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX