23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

After paying {$9200.00} to pay down my credit account, my account was closed. This action by Wells Fargo is an unfair business practice and should be stopped. Had I known my account would be closed the very next day my decision to pay a significant amount of money would have been different. I am told the decision to close my account was made the very same day I rendered payment. This action taken by Wells Fargo to close my account is both reported inaccurately on my credit report and puts me in an economically and fiscally vulnerable position at the time when I find myself impacted financially by the COVID-19 pandemic. I had asked to be placed on payment assistance and for my current employment status to be taken into consideration. I am now without a job, {$9200.00} dollars, a bad credit report that is false and inaccurate during a time when the uncertainty and I find myself unemployed with no saving and unable to financially sustain. If I had known my account would be closed, I would have not made the full payment of {$9200.00} dollars given my unfortunate circumstances.
Product: Debt collection

I WAS NOTIFIED BY LETTER FROM PHH MORTGAGE THAT MY LOAN WAS TRANSFERRED TO XXXX  MORTGAGE ... FORTUNATELY I WAS ABLE TO SPEAK TO SOMEONE AT PHH MORTGAGE HOWEVER SHE WASN'T ABLE TO PROVIDE MY NEW LOAN NUMBER NOR ABLE TO GIVE INFO ABOUT WHERE TO SEND PAYMENT.  IN ADDITION, I CALLED WITHIN 5 DAYS OF RECEIVING THE NOTICE AND CONTACTED XXXX OF WHICH SINCE IT WASN'T THE XXXX XXXX XXXX NO INFORMATION WAS AVAILABLE.  SO, IT'S XXXX XXXX XXXX XXXX  AND STILL NO COUPON MAILED EITHER TO MY P.O. Box NOR THE PROPERTY  ADDRESS.  IN THE MEANTIME, MY SON HAS THE VIRUS.  I DON'T KNOW WHAT TO DO.
Product: Mortgage

We are a title company paying off Mr. Cooper. We received the payoff letter prior to close stating a good thru date of XX/XX/XXXX for {$76000.00} with a per diem rate of {$12.00}. The loan closed on XX/XX/XXXX with a wire {$76000.00}. Wire was sent on XX/XX/XXXX. On XX/XX/XXXX, Mr. Copper returned wire stating there was a shortage of {$290.00}. In the interim between the XX/XX/XXXX and XX/XX/XXXX we noticed prior to recording our deeds on XX/XX/XXXX that Mr. Cooper on XX/XX/XXXX had assigned the Deed of Trust to XXXX XXXX. We called Mr. Cooper to get to the bottom of what was going on. We spoke with XXXX and she said Mr. Cooper still retains the Note and Deed of Trust and has no idea about the Assignment. XXXX   Online also was showing that XXXX XXXX  is now the current note holder as well. After numerous back and forth with XXXX at Mr. Cooper and requesting numerous times to speak with a manager, a manager finally called me on XX/XX/XXXX stating the shortage was due to a foreclosure inspection report not listed on the payoff. A few things in that regard : 1 ) Mr. Cooper knew that this closing was taking place as the seller had to send them a contract with a closing date. Foreclosure proceedings were to take place in or around XX/XX/XXXX. 2 ) Mr. Cooper has not been timely with communication with the title company nor provided clarity with regards to the Assignment to XXXX XXXX.
Product: Credit reporting or other personal consumer reports

please provide proof that these account belongs to me and if they cant prove that they are mine please remove accounts.15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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 inaccurate. XXXX and transunion should not be reporting my information to other furnishers knowing the information is false. this false information should not be shared. plus i am asking for these accounts to be proven that they are mine with original documents
Product: Student loan

I have attempted to contact Navient for years in disputing my student loans. All I receive is a email that states loan deferment or forbearance. I do not feel the money is owed. I was not properly advised of the facts that credits would not be recognized or transferable. I have advised Navient ( aka XXXX XXXX ) that I want to dispute the loans owed and I get nowhere. This is 14 years and interest accrued. I need to dispute the balances.
Product: Credit card or prepaid card

An item arrived late and damaged, purchased from XXXX XXXX, card issued by Comenity Bank, complaints filed directly against the merchant in regard to late arrival and damage, remains unresolved. I have copied below the complaint filed against XXXX XXXX XXXXor Comenity Bank reference. Images of damage were attached via secure message through XXXX XXXX  website, their rep requested more photos which I do not have. I would like to dispute the purchase due to late arrival and damage, if possible.. The purchase was made on XX/XX/XXXX in the amount of {$850.00}, a XXXXXXXX XXXX XXXX. The damages include scratches and while they are cosmetic in nature, may lead to the unit later cracking and loss of use. I informed their rep of late arrival, did not seem to care my time was wasted when I was not moved into the address at the time, did not care to address it ... Complaint is copied below.. 
Order XXXX showed scheduled to arrive between XXXX and XXXX XXXX on XX/XX/XXXX I believe, do not have tacking number or information available to me at this time. As I explained to several reps on XX/XX/XXXX as well as on XX/XX/XXXX, XX/XX/XXXX, I was in the process of moving to my address currently, not fully living there. Needless to say, I had to make a trip back to the address on XX/XX/XXXX at XXXX, waited until XXXX and no one showed up or called me.. I called the following day, on XX/XX/XXXX, was given the number to the driver whom I had trouble reaching, had to call several times and sent several texts before reaching him, only to be told delivery would be later between XXXX and XXXX XXXX ... Needless to say, I had to make another trip to address for delivery around XXXX at night.. After moving in on XX/XX/XXXX, I discovered the glass burner has several scratches on it, I called in same day and rep would not address late delivery/poor service issue ... She supposedly opened a claim for damage and emailed me claim number to upload pictures of damage, no email received as of yet ... As you can see, the service with this company is very poor to say the least and their XXXX score of 3.8 shows it, they seem to have a decent number of negative reviews.
Product: Credit reporting, credit repair services, or other personal consumer reports

hello, XXXX  & equifax is refusing to re investigate an inaccurate item on my credit file.i have asked for the contract from the original creditor, they are unable to provide me this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX - {$0.00} XXXX XXXX XXXX XXXX Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my 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 other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I opened a Citibank checking and savings account ( " Citibank Account Package '' ) online XX/XX/XXXX, XX/XX/2018 via their promotional link. The promotion stated that if {$15000.00} was kept in the account package for 60 days, Citibank would give me a {$400.00} bonus. They have up to 90 days to pay the bonus. I funded the account XX/XX/2018 with {$15000.00} split between checking/savings. On XX/XX/XXXX my savings account was charged a {$25.00} service fee. Their Account Package states that a balance of {$10000.00} must be maintained to avoid a fee. I contacted them on XX/XX/XXXX to inquire about the fee since I had {$15000.00} in the accounts. They said the accounts were't linked and that was the reason for the fee. I didn't understand as I have a screenshot from opening the accounts, clearly stating that it is an account package with my new checking and savings account numbers. They refunded the fee. I asked if this would affect my {$400.00} bonus and they said no, as the dip below {$15000.00} was due to their error. 

On XX/XX/2018 I received an email stating that I did not qualify for the {$400.00} bonus because " The required deposit balances were not maintained during the offer period ''. I immediately contacted them and they opened a bonus dispute inquiry on XXXX. I heard nothing and then contacted them on XX/XX/XXXX, where they said the problem was top priority. On XX/XX/XXXX I received a secure message that the bonus was denied. I opened up a new bonus inquiry on XX/XX/XXXX. I have heard nothing. 

The interesting thing is : my wife opened up the same Citibank Account Package at the same time using the same {$400.00} promotional URL. Her account was also incorrectly charged a {$25.00} fee on XX/XX/XXXX, causing it to dip below {$15000.00}. She opened a bonus inquiry on XXXX as well, and she received the {$400.00} bonus on XX/XX/XXXX. There is nothing different between these two situations. Why I am not getting my bonus because of Citibank 's error?
Product: Credit reporting or other personal consumer reports

I see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now XXXX asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me stress. They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.
Product: Credit card or prepaid card

Upgrade Credit Card was fraudulent used in XXXX of 2021 towards the end of the month. I was unaware that my card was lost with my cellphone in a casino on XXXX XXXX. Individual had access to my phone, emails and account information. The individual utilized approx. XXXX dollars. I have provided my statement, police report and the process with this company has been unreasonable. Lack of communication, and unethical reasons for claim denial.
Product: Checking or savings account

They kept charging me a over draft fee. I signed up for no overdraft. This is reason my account was closed overdraft on their fault
Product: Money transfers

This complaint is against Western Union Money transfer servicesI initiated a transfer on XXXX XXXX 2015 for the amount of {$180.00} to be collected at an agent location in XXXX. XXXX # XXXX. 
After waiting 2 weeks without the receiver getting the money I called WU on Fri XXXX XXXX XXXX was told that there was a system issue with Western Union and the transfer would be escalated. I was told to wait for 24 to 48 hrs to receive a confirmation and was assured that the supervisor would call me back within this time frame with any updates. 
I did not get any form of confirmation or communication from Western Union. 
I called back again on Sunday XXXX 2015 and spoke to supervisor whose first name was XXXX and operator number XXXX. She again claimed that she will escalate the issue and call me back with a resolution. I also requested the transaction to be cancelled during this phone call which she assured will happen. 
Again I receive no communication. 
Called back for the third time on XXXX XXXX 2015, was repeated the same scripted dialogue. I have not yet received any updates from Western Union regarding my transaction. 
Prior to my first phone call I was never informed of any issues and the " transfer tracker '' on the website still shows the transaction on progress. 
I would like to cancel the transaction and receive my money back at the earliest.
Product: Credit reporting, credit repair services, or other personal consumer reports

In compliance with the Fair Credit Reporting Act. XXXX, XXXX XXXX, Experian, has violating my rights.

15 u.s.c. 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A consumer reporting agency shall not furnish for employment purposes, or in connection with a credit or insurance transaction, a consumer report that contains personal information about a consumer, unless the consumer consents to the furnishing of the report.
Product: Credit card or prepaid card

I have filed a dispute regarding a scam on my credit card. This scam amount of for {$1500.00}. Bank of America responded and CFPB closed the dispute, but Bank of America openly lied in their response to my complaint. Bank of America has NEVER given a reason for their denial of my fraud claim. They claim it is because it was a XXXX transaction, BUT they have reimbursed other XXXX scam. See news link below. This opens up the opportunity for discrimination between consumers as Bank of America is not providing a standard of who they are repaying and why. 

A bank should not be able to blatantly lie, and have those lies just be excepted as fact. As a consumer who has to use banks in a world where we are forced to be cash free it is important that banks be held accountable for their behavior and that they not be able to just lie and then have those lies be taken as fact. 

Bank of America claimed in their response CFPB that they investigated my complaint. This was impossible. They did not take ANY of the information or documentation at the time of the complaint. I offered it to them TWICE. They did not take it telling me I was out of luck any way. 

They also only called me ONCE and left a message late a night with a number and extension. I called this extension and left a message 20 times. Bank of America NEVER called me back.

Bank of American DID NOT investigate this fraud. THEY HAVE NEVER SPOKEN TO ME ABOUT SINCE I FILED THE COMPLAINT. THEY HAVE NEVER ACQUIRED THE INFORMATION FOR THE FRAUD FROM ME DIRECTLY. 

They also NEVER provided the reason they declined to reimburse my fraud claim but did reimburse other people in the same situation 's fraud claims. See news article which clearly shows Bank of America reimbursed other people in my situation, but refuse to state why they are not refunding my transaction. 

XXXX  : XXXX # : ~ : XXXX % XXXX % XXXX % XXXX % XXXXXXXX XXXX XXXX XXXX XXXX XXXX % XXXX % XXXX.
Product: Debt collection

Received a notice from Synchrony Bank in XXXX XXXX about an unpaid balance of {$280.00} that I never charged to my XXXX  gas card account. 
They stated the account was past due over 6 months and have sold the debt to XXXX XXXX XXXX XXXX in XXXX XXXX. 
I never charged the {$280.00} to my account. Also, until I received this notification letter, I never received any communications from Synchrony Bank that there was any balance due on my account at all. Nothing. No mail, calls, etc. I've lived at the same address for the last 30 years. 
I sent them a payment of {$35.00} in XX/XX/2020 for a balance due I owed of {$35.00} so I was paid up in full. I never used my XXXX  card again since then. 
I called their customer service number and was told my account was closed and sold off. 
They finally gave me a PO box address to send a complaint letter too. I have notified XXXX of a fraud alert and made an official report with my local sheriff 's dept. 
I am sending letters to both Synchrony Bank and XXXX XXXX XXXX of the situation and the obvious fraud. I had a perfect credit rating before this happened.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information being reported on my credit report. This situation is deeply affecting my peace of mind, especially during such a difficult time. Specifically, the following items are incorrect and are negatively impacting my credit score, making it harder for me to get back on my feet : Account Name : XXXX XXXX Account Number : XXXX Reason : This account incorrectly reports two late payments, while my XXXX report shows none. This error is causing unnecessary stress during a challenging time. I do not agree with your investigation results and request verification of the late payment status. If you can not provide proof, please remove the negative information. 

Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Reason : I dispute the late payments reported on this account, as they are inaccurate and causing unnecessary stress. Please provide records of all payments made and missed. If you can not verify the negative payment status, I respectfully request that you remove this information. 

Account Name : XXXX Account Number : XXXX Reason : I dispute the late payments reported on this account, as they are inaccurate and causing unnecessary stress. Please provide records of all payments made and missed. If you can not verify the negative payment status, I respectfully request that you remove this information. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This account incorrectly reports two late payments, while my XXXX report shows none. This error is causing unnecessary stress during a challenging time. I do not agree with your investigation results and request verification of the late payment status. If you can not provide proof, please remove the negative information. 

Account Name : XXXX Account Number : XXXX Reason : I dispute the late payments reported on this account, as they are inaccurate and causing unnecessary stress. Please provide records of all payments made and missed. If you can not verify the negative payment status, I respectfully request that you remove this information. 
INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Ive done everything I can, but these inaccuracies still cling to my credit report like a shadow. Ive reached out, Ive provided proof, but nothing changes. Please investigate thoroughly. I just want my report to reflect the truth so I can finally move forward. Im exhausted. I just need a chance to breathe again.
Product: Mortgage

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2014 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX Bank 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent certified letters for each item on my credit report requesting documentation of the original purchase agreement bearing my signature. I am a victim of the data breach involving XXXX XXXX XXXX and Equifax. On XX/XX/2020 I sent certified letters to Equifax disputing each item on my credit report. The credit report that I received as a result is dated for XX/XX/2020. After analyzing my credit report, I realized that neither of the accounts had the required comment stating that the accounts had been disputed within 30 days. The old addresses had been removed. However, I was advised to contact the creditors directly to remove the inquiries from my credit report. The accounts for XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX had been deleted. However, those accounts have been reinserted on my credit report. The collection account for XXXX was also disputed. It is still being reported with missing creditor contact information. I've sent a certified letter to XXXX requesting documentation of the original purchase agreement bearing my signature and a representative signed for the letter on XX/XX/2020. XXXX failed to send a copy of the original purchase agreement instead they sent a bill. I sent a certified letter to Equifax because they should have left a comment stating that the XXXX account had been disputed within 30 days but they failed to do so. According to the USPS Tracking log, the certified letter was received and signed by a representative at XXXX.
Product: Checking or savings account

Wells Fargo has been charging me overdraft fees when I had deposited the money in time when they said they gice extra grace period. Even so, they've been doing this for years and it's extremely frustrating. BUT to make matters more annoying is I have XXXX XXXX XXXX  and in and out of hospitals and they specifically told. XXXX not to worry just let them know.and I won't get charged. Now I'm so negative becauae I keep getting fees upon fees from places I have set up automatic bill pay so they also keep tryinf to get the funds and i keep getting fees. XXXX it's XXXX for each time. When i call they said there's nothing they can do. Just in the last couole weeks I've established 8 fees.when I have deposit go in I will just barely get above into the positive and than end up getting fees again because of a bill. It's frustrating that they're lying saying they wil give extra grace days but actually never do.also with stm fees and monthly service fees..all of this was told not to worry just to call amd ask and it will be taken care of.
Product: Credit card or prepaid card

On XX/XX/XXXX, received a letter from Bank of America that a new Credit Card Account was approved for {$25000.00} and cards will be mailed out. I never and will never apply form a credit card through Bank of America or any other Large Financial Institution. I never gave any authorization for the pulling of my credit report or an application for a credit card. It took over an hour of my time to get to Customer Service and they will not close my account until I return a signed letter Disputing this card. 

I have a freeze on my credit bureau as of XX/XX/2022.
Product: Mortgage

This complaint is concern about our mortgage which was with XXXX XXXX. In 2018 XXXX XXXX transferred and or sold our mortgage to SPS. Our interest rate remained the same however the term of the loan is now 60 years. This is due to when it transferred from XXXX XXXX which was a 30 year loan and we had paid on it over 10 plus years, SPS started over at 30 years. XXXX XXXX did not advise us that our home loan would start at another 30 year loan. No notifications!!!!! We are paying a loan at the end would be 60 years. Please help.