23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

THIS APARTMENT WAS MY GRANDFATHER AND HE HAD A REVERSE MORTGAGE ON THE PROPERTY. WE CONTACTED XXXX XXXX WHEN HE DIED ( XX/XX/XXXX ), TOLD THEM WE WANTED TO KEEP THE PROPERTY AND WAS TRYING TO GET A LOAN. XXXX XXXX SOLD THE LOAN # XXXX TO XXXX AND WE HAD TO START ALL OVER. WE CONTACTED XXXX, TOLD THEM WE WANTED TO KEEP THE PROPERTY AND WAS TRYING TO GET A LOAN. WE HAD BEEN KEEPING AN OPEN LINE OF COMMUCATION WITH XXXX. THEY SAID WE NEEDED TO CONTINUE TO CALL THEM AND TELL THEM WE NEEDED AN EXTENTION. WE DID THAT. IN XX/XX/XXXX THEY FILED DOCUMENTS TO SALE THE HOUSE, EVEN THOUGH THEY KNEW WE WERE TRYING TO GET A LOAN ON THE PROPERTY. XX/XX/XXXX WE CONTACTED XXXX AND XXXX ABOUT THE AUCTION DATE AND THAT WE WANT TO BUY THE PROPERTY. THEY THEN TOLD ME WE NEED TO PUT IT IN WRITING. XXXX WROTE US A LETTER STATING THEY NEED OUR INTENT IN WRITING. THEY HAD NEVER SAID THAT AND WE TALKED AT LEAST WEEKLY. I HAVE PHONE RECORDS TO PROVE IT. XX/XX/XXXX AN APPRAISAL WAS COMPLETED. XX/XX/XXXX THE LETTER OF INTENT, APPRAISAL AND THE OTHER INFORMATION THEY REQUESTED. XX/XX/XXXX WE ALSO SENT AN APPROVEL LETTER FROM XXXX XXXX XXXX XXXX XXXX THE BALANCEOF THE LOAN WAS XXXX OR CLOSE TO THAT PRICE. OUR BANKS APPRAISAL CAME BACK WORTH XXXX. XXXX ORDERED AN APPRAISAL ON THE HOUSE XX/XX/XXXX AND IT TOOK THEM UNTI XX/XX/XXXX TO GET BACK WITH THE APPRAISAL AMOUNT. IT CAME BACK XXXX THERE IS NO WAY THAT THE APPRAISAL AMOUNTS SHOULD BE THAT DIFFERENT. I EMAIL AND CALLED XXXX XXXX SERVERAL TIMES AND ASKED HER FOR THE APPRAISAL I received the appraisal. today XX/XX/XXXX and I noticed it stated that all united appraised as {$120.00} How can that be when one unit is gutted. The roof is leaking and the appraisal states that the roof is fine. How is that so? I feel like we are not being treated fairly. 
XX/XX/XXXX XXXX EMAIL ME BACK AND SAID, Attached is a copy of the appraisal. Please be advised that we will not be accepting any customers appraisal. We will continue to use our appraisal, Do you still want to continue with the short sale? I DONT UNDERSTAND WHY SHE SAID SHORT SALE WE ARE TRYING TO GET THE LOAN. 
THE HOUSE IS SUPPOSE TO BE AUCTIONED ON XX/XX/XXXX OR XX/XX/XXXX THAT DOS NOT GIVE US ENOUGH TIME!!!!!! 
I received the appraisal today XX/XX/XXXX and I noticed it stated that all united appraised as {$120.00} How can that be when one unit is gutted. The roof is leaking and the appraisal states that the roof is fine. How is that so? I feel like we are not being treated fairly.
Product: Credit reporting or other personal consumer reports

I've noticed several inconsistencies in my credit report, including late payments that dont align with my typical payment history. Kindly adjust these errors on my account.
Product: Credit card or prepaid card

On XX/XX/XXXX and XX/XX/XXXX, I made two large payments to XXXX XXXX XXXX, a lawfirm handling the collection for Sears / Citibank credit services to settle the balance of a collection on my credit report. Since then I have not been able to receive a {$0.00} balance letter from Sears/Citibank. I have made multiple calls, the last on XX/XX/XXXX or XX/XX/XXXX, I can not be sure as I have called so many times. This last call I was told that a letter would finally be issued to me in which I received on XX/XX/XXXX that shows a {$0.00} balance. Low and behold, the account number did not match up. I contact Sears/Citibank " escalation team '' yet again. Now they are telling me that the letter I received was for an older account that eventually was transferred to the collection account and that it was sent in error. They are telling me that I will not have a {$0.00} balance letter for 60-90 days because this is how their system is set up. I feel that after speaking to the last representative that sent me this wrong letter, sent the letter to trick me in thinking it was what I was needed and to just get me off of the phone. I've called their attorney 's office and they can not answer as to why Sears/Citibank can not issue a {$0.00} balance letter as they have had the funds from their account ( attorney 's ) since XX/XX/XXXX. There shouldn't be an issue as to whether it will clear or not. In addition, I had a home closing on XX/XX/XXXX that I have now lost because of this account. So I paid $ 3800+ dollars to Sears/Citibank for no reason and I have now also lost {$5000.00} in deposit monies for my home. I ; m pretty sure that this is in violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Equifax to get some unauthorized accounts that do not belong to me off my credit report. They have failed to remove them.
Product: Money transfer, virtual currency, or money service

I need to withdraw my USD money from blockchain.com They say that I can do it only by wire. OK. I don't mind. But when I follow their instructions to withdraw my money the process is being blocked on one place all the time. During several days I try to explain them that I can not finish withdrawal because something is blocking the process. But they send me by email the same instructions which I know already and which do not work. They do not call me or contact me to fix an issue. Just simply repeat the same email with withdrawal instructions. I don't know how to withdraw my money.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name 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 XXXXXX/XX/XXXX
Product: Credit card

On XXXX separate out of the United States traveling vacations my credit card company has declined purchases with my credit card, even though they were verbally told and also giving instructions on their online website that I would be doing so including the dates and the countries. I am currently in XXXX and advised the credit card company before leaving of my dates when I would leave when I would return and while I am here they declined my credit card and re-issued another credit card to be sent to my home address in the United States. Since I am still on the XXXX vacation, and they invalidated the credit card I can not use it and it becomes useless to me. I found them and told them I was still in XXXX that they had all the information that I would still be here and basically their answer was sorry I ca n't help you. I have documentation to the fact that I have advised him before about this problem and they said that they would correct it and take care of it yet it seems to me that situation continues and if anything gets worse.
Product: Checking or savings account

In the last month, from XX/XX/XXXX to XX/XX/XXXX, I have had 3 unauthorized transactions from my checking account, ranging from {$49.00} to {$160.00}. I was issued a new debit card and the following day after getting the new card, it had already been used again out of state ( not by me, the cardholder ). 
I filed 3 separate disputes with these transactions, since I was not the one to make the transactions, two of which were resolved and the other was not.

I am just confused as to why and how my account is being hacked 3 times in a month and how I end up being out over {$200.00} when I wasnt the one making the transactions.
Product: Mortgage

I called my mortgage company the other day to request a loan modification packet and they told me that my home was in active forclosure which is the first I have heard. I am behind on payments, but never revcieved anything from the mortgage company regarding foreclosure or a notice to cure debt before a certain date to avoid it happening. It is my understanding that this process is to occur prior to going into foreclosure. Once again this company has wronged me. This is not my first complaaint against them.
Product: Checking or savings account

This Wells Fargo CFPB Complaint is in conjunction with Complainants : # XXXX ; @ XXXX ; # XXXX On Thursday, XX/XX/2021 @ XXXX XXXX XXXX - Consumer received a Wells Fargo Bank Phone call using an Unidentified XXXX Phone number. XXXX my XXXX could not record this incoming phone number. Consumer assumes Wells Fargo Bank had Blocked their XXXX phone number, to the Consumer, on Wells Fargo 's Recorded out going line. ) This Lady, Wells Fargo Bank Representative introduced herself with name and Title of her position to consumer ; unfortunately this phone call woke-up Consumer at such a early morning time, and can not remember XXXX 's identity information. How ever She assured me that she would be working on four of my Complaints. She asked me for the Wells Fargo 's complete bank Accounts I had. T stated U did not know. She asked for the last 4 numbers of my SSA number, I told her. 

I asked her why she did not go through the CFPB 's Consumer 's Portal. and Why the 3rd party involved with this matter, was not responding to this matter. She asked me " What 3rd party? '' " The party that issues the refund checks. '' She asked " Why is it so important to go through the CFPB portal to communicate? '' I stated other merchants did go off the grid and later I found out these other entities has something to hide. " Because I received 2 letters from them. She assured me she was that person. Then my cell phone went dead. She did have my email address but did not send email to continue communication efforts. 

To XXXX XXXX. Exec. Office Case Specialist of the XXXX XXXX XXXX XXXX. At the bottom of XXXX letters signed by you states : a particle statement : " We will communicate with the appropriate parties going forward. '' Please inform Wells Fargo that fact, because This Lady just stole your Identity, by posturing to me that she is XXXX, and XXXX she did not even know this companies name nor the involvement with Wells Fargo XXXX the Wells Fargo 's bank account numbers! 

The Consumers DO NOT WORK FOR WELLS FARGO NOR KEEP WELLS FARGO ACCOUNT RECORDS! AND MANY BUSINESS ENITIES CROSS FILE BY USING OTHER PEOPLE 'S CONFIDENTICAL SSA NUMBERS AND THAT TOO IS IDENTITIY THEFT! 

WELLS FARGO 'S HARRASSMENT TO CONSUMER 'S TO FULL FILL WELLS FARGO 'S EMPLOYEE 'S JOB DUTIES IS WORTH TO THIS CONSUMER 'S $ XXXX COMPENSATION FOR MY LABOR TIME INCLUDING PUTTING UP WITH WELLS FARGO 'S INTOLERABLE VERBAL INSULTS OF MY CONSUMER 'S TIME ONLY BEING WORTH XXXX CENTS! 

NO MORE SCAMMING, LIEING ON MY PHONE! STOP PHONING ME!!
Product: Checking or savings account

I have applied to open both a checking and a savings account at Chase on their website. After I was turned down the first time, I have reapplied within minutes thinking that it might have been a processing glitch, I was turned down for a second time. I have applied today, XX/XX/19, and was turned down for a third time. The first two applications were submitted in XX/XX/19 and I have received two letters from Chase explaining the reason for the denial both of which are dated XX/XX/19. It is because of these letters I am filing this complaint today after getting turned down for a third time, for which I am sure I will receive a letter. On each letter, whose copies I will share with you, my calculated credit score appears as XXXX out of XXXX and this calculation is reported by XXXX. There are 3 factors listed as being the reasons why my application is turned down : 1. Two many recently opened accounts 2. Length of time since most recent bankcard account has been established is too short 3. Not enough debt experience The first two negative factors have low impact on credit scores. The third one is the source of confusion in that if I did not have enough debt experience, how could I possibly have a score of XXXX? 
All in all, these reasons do not mesh well with my credit score and my general financial viability which leads me to believe that they were thrown together to make a case which they fail at. 
The only reason for this complaint today is to understand why I was really turned down - need plausible reasons because this is likely to cause me trouble. With my financial background I should not experience anything like this. I would be able to rectify whatever is causing this outcome once I know why it is happening. 
On a final note, the last credit report I got from XXXX ( I am a customer of their monitoring service ) for all XXXX bureaus list my scores as XXXX, XXXX and XXXX. My XXXX score today is XXXX. If there is a blemish on my record elsewhere, I need to know about it since it should not be there.
Product: Checking or savings account

On two previous occasions and again today XX/XX/year>, when I log in to Discover.com, select a CD that is maturing within 30 days, click 'Interest Settings ', then 'Edit ' on Maturity Instructions, I am shown options for renewing the CD. There is a button to click for information on how to close the CD, but as soon as I click on it I am immediately logged out of the website. The phone number I need to call in order to close my CD is displayed for less than 1 second before I am redirected to a 'session ended " logout screen. 

Discover is intentionally obfuscating the process to close a CD by disallowing me to view this necessary information. 

I have called Discover more than a month ago and informed them of this issue, but there was no follow-up or indications made that the issue would be corrected.
Product: Credit reporting or other personal consumer reports

I appreciate the actions made by the Experian, XXXX and XXXX Credit Bureaus. But there were still many items that I needed the respective credit bureaus to remove from my XXXX credit reports. Here are the list of items that I need the Credit Bureaus to remove. I am humbly seeking the help from CFPB to make sure that these items below are removed : EXPERIAN : 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 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: Money transfers

Back in XXXX of 2016 we went overseas. Not realizing we needed to let PAYPAL know. We run an EBAY business. A very active EBAY business. We we came back we were ask to provide information or they would shut down our account. We have given them all the information they have requested and in the requested time frame. THEY STILL PUT A HOLD ON MY FUNDS. Since i still need to run my ebay business to pay my bills they are currently hold {$25000.00}. YES {$25000.00}. I can not pay my loan, ebay fees or even my shipping fees. PLEASE HELP!!!
Product: Debt collection

I have tried reaching out to the apartment complex to get vitrifaction of this and failed attempts telling me to get a lawyer to release information I have never ever stated at the reporting apartment   XXXX   XXXX   in   XXXX   XXXX   Arkansas never have I signed a lease or heard of them I have no known address associated with this place and I have contacted the creditor also informing them of the same information this is not my debt and has been holding me back from getting approved for any apartments in my name I really need this removed or verified as providing proof of Identification and social security card due to this is the information that would be need to put anything in your name. If I am not able to get some type of proof that I stated and leased an apartment with this place I need it deleted from my credit profile.
Product: Vehicle loan or lease

Wells fargo charged off my account after I've made arrangements to pay my monthly fees. Then my car was repossessed without giving me any options to paysome of the amount they claimd that I owed. 
My car was repossessed in XXXX, In XXXX they sent me a letter to inform me that I still owed them {$11000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations: addresses not mine
XXXX XXXX XXXX XXXX XXXX, TX XXXX
Resident type
Single family
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX

FCRA violations: payments never late
XXXX XXXX XXXX
Potentially negative
Date opened
XX/XX/XXXX
Balance
XXXX
Status
Open.

FCRA violations: accounts not mine XXXX  Potentially negative
Date opened
XX/XX/XXXX
Balance
-
Status
Closed. XXXX written
XXXX XXXX XXXX
Potentially negative
Date opened
XX/XX/XXXX
Balance
XXXX Status
Collection account. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The information XXXX, XXXX {$200.00} showing in my credit report does not belong to me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX and lakeview Credit monitoring to compensate for XXXX, XXXX XXXX, lakeview data breach XXXX XXXX Pw redacted Re-attempt registering Had to call customer service after my acct was deactivated Username variously used as : XXXX XXXXXXXX Then directed to call a number XXXX but when called that required activation code, so then directed to XXXX then obtained the activation code : redacted Then entered above code and prompted for ssn, name, zip code, address, etc and after enteringx2 was unsuccessful with the following screen at end of yellow brick road : How many homeowners were impacted in the incident? 

Based on our investigation to date, roughly XXXX XXXX homeowners, representing former and current customers and co-borrowers, had personal information contained in the files that were affected by this incident. 

Never recd letter for most recent incident or one from XXXX How will I be notified if my data was impacted? 

You will receive a letter with details about any data of yours that was involved, along with resources you can use to protect your personal information, such as free XXXX identity protection and credit monitoring services. In the meantime, if you have questions about this incident or identity protection services, call the XXXX XXXXXXXX XXXX Incident Response Line, supported by XXXX at XXXX. 

Why did it take so long to determine if my information was impacted? 

Investigations like this take time. We initiated response protocols immediately, which included a detailed review to determine exactly which data had been compromised. These reviews can be time consuming in order to ensure they are completely accurate and thorough. We appreciate your patience during this process. 

Have more questions? 
Call the XXXX XXXX XXXX Incident Response Line, supported by XXXX. Monday through Friday XXXXXXXX XXXX XXXX XXXX XXXX. ET This is an example of a company that is not deserving of the responsibility for handling private personal and confidential information of consumers and then the actions they have taken AFTER the 2nd data breach in 2 years. I never even received notice of the data breach. My account was deactivated and there were time consuming hours spent navigating all the recovery methods and trying to get credit monitoring services -- -none of the systems which appear to facilitate this process actually work and all the myriad support lines are of no assistance. it appears they have no place in the real market place and have absolutely no respect for consumers
Product: Student loan

I had a consolidated student Loan through XXXX, made payments on it over time. When my son was born, he was in the hospital for four month, I got a deferment. The deferment ended sooner than expected and I went into default. I made XXXX payments to Transworld Systems Inc to get my loan out of default. After that, they said it would be up to 60 days before someone bought the loan. It has been four months, I continue to make payments to Transworld, and I am still listed as in default. In addition, it was a 15 year loan and I now owe more on it than when I started. Because of my family 's unique situation, we need to apply for a mortgage immediately, and we have built our credit up to do so, but are unable to do anything until this gets resolved. All XXXX of us ( wife and XXXX kids, XXXX with XXXX ) have been living in my in-law 's basement while Transworld continues to list me as default even after I complied with my end of the agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information has been compromised by an Equifax Data Breech. Equifax offered a website to check if I had been impacted, and I was. The impact includes my SSN, DOB, Full Name, and credit card numbers. Their offer was to have one year of credit monitoring, with a company of their choice, free. Choosing this would also bind me into an arbitration clause and not allow me to pursue other remedies easily, later. I do not believe this to be adequate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account is not reporting valid and accurate information if an account is closed how could it be past due this is negative reporting to the credit bureau and negative affect my scores anD RIGHTS AS A CONSUMER
Product: Checking or savings account

Penfed after receiving my complaint via CFPB stated my account would be closed due to fraud. I requested a detailed explanation of such yet the associate stated this was the determination of Penfed and nothing else could be provided. Previous communications with Penfed proved this to be untrue as I was told that my prior document was insufficient and that I had to provide a color copy with all pages available. I provided everything that was requested and contacted the utility company to see if they had spoken to anyone at Penfed they stated they had not. I waited over two weeks and feel this was a discriminatory act as I escalated the complaint. I spoke previously to the director of the loss prevention department and he stated there were no issues with my documents. 8 different Penfed associates reviewed my documents and no issue was ever brought forth. They stated they are not going to restore my account because of fraud yet have provided no proof of such as I have not committed fraud.
Product: Checking or savings account

Filed a fraud claim with Bank of the West on XX/XX/2021 concerning a Business Checking Account, was advised at time that if the claim could not be resolved with ( 10 ) business days that a provisional credit would be issued, called back on 10th business day only to be told that businesses do not receive provisional credits only personal accounts do, inquired as to why this policy only recognizes personal accounts and was told that " Businesses have money and can wait ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized inquiry by XXXX XXXX through TransUnion on XX/XX/2019. Lowered my credit score. I want this item removed from my credit report and a higher credit score.