23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I joined a bi weekly payment program at Wells Fargo bank and have found out that regardless of when money is recieved payments are applied once a month. Funds are held in an unapplied status. It was my expecation that they payments would be applied to my mortgage as recieved. Please see attached document which provides an example of this. 

Further I make additional principal payments those too are held by Wells Fargo as unapplied funds until my mortgage due date. 

This process seems to unfairly benefit Wells Fargo. Do they collect interest on my unaaplied funds? Do they use my unappllied funds to meet regulatory requirements? If so they are recieving a direct benifit from monies that do not belong to them until they are applied to my mortgage.
Product: Credit card or prepaid card

- XX/XX/XXXX Purchased two XXXX prepaid card each with {$500.00} value in it at XXXX - Card arrived but they don't work. Can't make purchase any retail or online stores, like XXXX, XXXX, XXXX XXXX and so on. ( The original not-working prepaid card is attached ) - XX/XX/XXXXFirst replacements request. The replacements didn't arrive. 

- XX/XX/XXXX 2nd replacements request. The replacements didn't arrive. 

- XX/XX/XXXX Requested refund, and the agent said that it may take up to 30 business day and two checks of {$500.00} values supposed to be issued by XX/XX/XXXX at latest. The agent name is XXXX and she said she is the only female supervisor there. 

- The missing replacements of the original XXXX prepaid card arrived but already invalidated due to the request of refunds. 

- Never received any checks. 


The ticket number with this issue is TICKET # XXXX
Product: Debt collection

I have been separated for over a year and my divorce was final on XX/XX/2019. Im a single mother with no income and I currently do not receive child support. In our divorce decree it states that my ex husband is responsible for all debt. I received a check on XX/XX/2019 to pay for my daughters college and pay bills. I deposited it into my Wells Fargo checking account and on XX/XX/2019 Wells Fargo seized {$3800.00} for a credit card debt. They left me with {$100.00} in my account, which caused bills to bounce and Im no longer able to pay for my daughters school. I never received any documents from Wells Fargo
Product: Consumer Loan

In XXXX of XXXX I engaged in a traded in with my XXXX Honda Civic at XXXX XXXX, because the car battery continued to fail. I was told by the dealer that in order to trade in the car I would need to commit to a new car to receive financing. At the time of trade in I was told that there were no more comparable cars on the lot, so I choose to finance a Honda Accord. I was informed that the monthly payments would be XXXX due to my history and score which was a XXXX - XXXX at the time. Because I was dependent on a car for work and personal responsibilities, I agreed reluctantly to finance this amount. As I struggled to make the payments, I 'd had spoken to Honda Finance regarding lowering my payments but was informed that it could not be done at the time. After completing a XXXX XXXX XXXX at XXXX XXXX and performing my own research thereafter, I realize I was a victim of discrimination as an XXXX XXXX women being manipulated to pay unreasonable high interest rates on a Honda Accord over the course of 6 years. I 've been struggling for close to 4 years not realizing the extent of this violation against me and felt that I was obligated to pay this rate due to poor credit.
Product: Vehicle loan or lease

In an attempt to rectify a fraudulent auto loan, I reached out to the bank ( Navy Federal ) to inform them of my unauthorized authorization. Regrettably, the loan has been reported to my credit report, displaying a balance of {$30000.00}. This situation is unacceptable and places an undue burden on individuals who are victims of such fraudulent activity. This auto loan was opened XX/XX/year>.
Product: Checking or savings account

My account was charged for transactions that were refunded by the merchant. XXXX attempted to refund my account on the following days for the amounts posted below. My bank then sent these funds back to XXXX as a card purchases. I opened disputes with my bank and had XXXX confirm the errors and the bank closed the disputes without rewarding me the funds. 
XX/XX/XXXX - XXXX sent back XX/XX/XXXX XX/XX/XXXX - XXXX sent back XX/XX/XXXX XX/XX/XXXX - XXXX sent back XX/XX/XXXX XX/XX/XXXX XXXX. 
For a total of {$410.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts bellow has violated my federally protected consumer rights to privacy and confidentially 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 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 instruction.

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 others adverse item of information, other than records of conviction of crimes which antedates the report by more than seven year.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I had to close my account with chime Bank because they wouldn't help keep my account safe funds in my account of XXXX were suppose to be sent to me by XX/XX/XXXX I never received the check. I waited another week was XX/XX/year> and spoke with a supervisor whom stated to me that a check will be expedited to me with 5 business days and that I'll receive an email with 48 after the XXXX of XXXX to confirm a date for my check to be mailed I never received that email, I called again XX/XX/XXXX and a representative hung up on me because I wanted information about my money. It looks to me as of they have no plans of sending money that if rightfully mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1100.00} XXXX/XXXX  XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$630.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Mortgage

On XXXX XXXX  I spoke with Shellpoint and they advised me to send in a loan modification packet. On XX/XX/XXXX I submitted the packet. I was given a verbal agreement that stated I needed to submit {$74000.00} by XX/XX/XXXX and then they would send me the verbal offer in writing. The verbal offer I was told over the phone would be the down payment listed above my loan rate would be 8.25 % and my monthly payment would be around {$1100.00}. They emailed me the down payment as seen below but not the terms on XX/XX/XXXX. So they want XXXX and nothing for me in writing. My concern is two fold. One, I would send the money and they wouldnt offer the verbal agreement or secondly they would take my money and change the verbal terms or thirdly they would take the money and do nothing for me. I also submitted a short payoff of {$100000.00} on XXXX XXXX with proof of funds to pay it. When I call I get different answers from different people I speak to. Some say its not in my file. Others say its waiting approval. I am stuck because I need to submit the loan modification down payment by the XXXX of XXXX with no written offer and no decision on the short payoff of {$100000.00}. I wish to retain my property and I feel like this is a bait and switch. Its concerning that no one has records of phone conversations or record of people I have spoken to. I have called them everyday since XX/XX/XXXX for updates and no one has any answers for me. Im running out of time for this to be resolved. 

Below is the email I received which I will also attach. 

XXXX Modification Plan Terms THIS IS A DO_NOT_REPLY EMAIL, IF YOU HAVE ANY QUESTION PLEASE CALL CUSTOMER SERVICE AT XXXX Modification Plan Terms Under your Modification Plan, the Initial Payment of {$74000.00} must be received in our office on or before XX/XX/XXXX. When the Initial Down Payment of : {$74000.00} is received, we will proceed with generating your final modification agreement. 
In addition to the Down Payment, the Total Monthly Payment Amount as indicated on the final modification agreement will be due on the date specified on the agreement once received. 
XXXX XXXX XXXX XXXX shellpoint A DIVISION OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

In XXXX BB & T gave XXXX XXXX XXXX two depository Checking accounts without my Signature in the name of XXXX XXXX XXXX, XXXX. This was FRAUD. Once he obtained these accounts he captured XXXX income deposits into these accounts, wrote himself checks made out to CASH, and had them CASHED by local XXXX BB & T branch Tellers XXXX XXXX and others. These checks made out to CASH total well over XXXX from XXXX to XXXX. These statements where directed only to XXXX XXXX home address and not the address of the XXXX. In addition to this CASH XXXX XXXX initiated various LOC ( Lines of Credit ) in XXXX for XXXX with BB & T. He placed this ALSO in my XXXX owned business name of XXXX XXXX XXXX. XXXX. Theres been numerous Complaints filed against BB & T with both the XXXX and CFPB and most recently now the SEC complaint has been XXXX as well. BB & T has demonstrated it Corporate Williness to LIE, Fabricate, and attempt to cover up this FRAUD and even Forged Bank Documents. Cases where filed in XXXX VA, where it was discovered the local Judge had a Deep Family History with XXXX XXXX XXXX which was later acquired by BB & T. This XXXX was asked to Recuse himself from these matters, yet he has refused to do so. BB & T has hired lawyers, who are caught on various Emails Apparently Stalking my house, which has also been XXXX at during the time this was reported back in XXXX and is still ongoing to this very Day in XXXX. BB & T its XXXX and XXXX leadership has demonstrated a direct and open williness to engage in all sorts of Tactics to Deny any rights to " Due Process ''. Its is my further opinion that the SEC should investigate this Bank and should find that my statements a Truth and have well documented Standings. XXXX United States XXXX and the CFPB should report this to the XXXX and proper authorities to investigate and ban BB & T from completing any such Merger with any other Banks giving them more power and control. These are serious allegations and I am stating the Truth and have FACT to back that up in many forms. Too much to even begin to upload here.
Product: Debt collection

I noticed unauthorized accounts on my report that seem to have been added without permission. I request they be blocked and removed promptly.
Product: Credit reporting

On XXXX XXXX, 2015 I requested that Lexis-Nexis provide me with free annual reports of all facets of its consumer reporting group. Lexis-Nexis partially complied with the request. Lexis-Nexis failed to provide me with a free annual consumer report from their XXXX division. I demand that Lexis-Nexis provide me with free annual report that is created by the XXXX division. I have tried to talk with the XXXX department, but their automated answering system keeps me on hold for XXXX minutes and then hangs up on me. I have tried every communication method that Lexis-Nexis provides and each one of them stymies my attempts to clear this problem on my own. Currently Lexis-Nexis is in violation of the FCRA and FACTA statutes because they failed to provide me with the XXXX free annual report within XXXX days of the XXXX XXXX, 2015 request. Lexis-Nexis XXXX divison is required to answer consumer inquiries within a time frame dictated by regulations. Lexis-Nexis XXXX has failed to respond to my repeated calls within the legislated time, therefore that is a XXXX violation of FCRA.
Product: Credit card

I was caught up in a gift card scam in XX/XX/2016. The scamming company would pay off my credit card and then I was to use their funds from paying off my credit card to purchase the gift cards. I used my Citibank Mastercard to purchase the gift cards. I received confirmation # XXXX ( XX/XX/2016 ) saying my initial balance ( {$2100.00} ) had been paid off so I purchased {$2100.00} in gift cards. I received confirmation # XXXX ( XX/XX/2016 ) for the XXXX credit card balance pay off amount ( {$10000.00} ) so I purchased and additional {$7800.00} in gift cards. I received confirmation # XXXX ( XXXX/XXXX/16 ) for the 3rd balance pay off ( {$6100.00} ) so I purchased an additional {$2000.00} in gift cards. In all cases, I did not turn over the gift cards to the scamming company until I received the confirmation from Citibank that the funds had been received. I verified with Citibank multiple time that the funds had been received. I was told by customer service rep XXXX, in the AZ office, that once I have a confirmation # and the status says credited that the funds have been received and applied to my account. At that point, I released the gift cards to the scamming company. The funds were supposed to be transferred from XXXX Bank. There were 3 separate transactions as specified above, where I received confirmation numbers about the funds being received from XXXX. Once the 3rd transaction took place, the scamming company reversed all of the payments. I was told multiple time by different Reps that once I have a confirmation number the funds were received I had nothing to worry about. Unfortunately, I took the other reps at their word so I did not capture their names. In total, I was scammed out of {$11000.00} because of the mis-information I was given by Citibank. Plus, I was also charged and additional {$54.00} in return fees. I tried to resolve this issue with multiple times with Citibank but to no avail. I would simply like to be reimbursed by Citibank for the amount I lost ( {$11000.00} ) due to the mis-information I was given by their reps.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$12000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- OPEN ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$12000.00} -This is not my account.
Product: Money transfer, virtual currency, or money service

I wire transfer thru discover to XXXX XXXX  in XXXX XXXX for $ XXXX. Wire transfer should be done within day or two! I paid $ XXXX for. XXXX XXXX Never received money. I been in contact with both bank. XXXX XXXX  told me that discover bank didnt release fund and they also send me a video of it shows discover holding that money but didnt release. Its almost more than a week. So I decided to recall my wire transfer and as of today i have not received any money from discover. I been calling almost everyday they been telling me there is no update on it! So where. Is my money? 
I have to pay bills. They running me around back and forth. I need my money asap with interest If you can help me on this i really appreciate Thank you
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and found the following items ) to be in error : XXXX XXXX  XXXX Under the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted an item in violation of 15 USC 1681e ( b ) ; this item is incorrect and in error. You failed to maintain reasonable procedures to assure maximum possible accuracy in the credit reports you furnish. Credit reporting laws ensure consumer reporting agencies report only 100 % accurate credit information and every step must be to assure the information is completely accurate and correct. The information must be deleted from my report as soon as possible. The information is inaccurate and misleading and as such ; this represents a very serious error in your reporting. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. Following, 15 USC 1681 ( 2 ) ( a ) ( i ) clearly states a consumer report does not include Report containing information solely as to transaction or experiences between consumer and the person making the report. Why is this item appearing in my personal consumer report? Remove this item from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I guess I MAY Have been impacted by the Equifax security breach. however, on their website, they do n't directly tell you if you actually have, it just says you may have been affected. so I sign up for their free credit monitoring program, but I get no information on that either. if 's not very informative when they just gave away so much of my info and do n't provide me with any info to try to help keep myself and my husband safe from future problems.
Product: Credit reporting or other personal consumer reports

While pulling my credit report from XXXX XXXX my credit score from Equifax is showing as XXXX, and on a standard report from XXXX and XXXX XXXX it shows as XXXX. The Representative from XXXX XXXX let me know that they use a different scoring matrix. I also noticed that XXXX XXXX had inaccurate information different from XXXX and XXXX XXXX. 

Equifax is also responsible in providing inaccurate information on my credit profile and causing harm to me personally and to my company.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX Balance : - XXXXXXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXXXXXX Balance : - XXXXXXXX XXXX  Inquired on XX/XX/20XXXX XXXX XXXXXXXX XXXX : {$1600.00} XXXX XXXX XXXX XXXX XXXX : {$23000.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX XXXX XXXX Balance : XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX : {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX {$23000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : -
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Student loan

My credit rating has been decreases due to delinquent payment. My credit rating was XXXX which was last year. My credit rating is XXXX now. I am in big trouble of buying a house. I need to close my escrow within 12 days from today. Per telephone conversation with the XXXX agency, my credit will go up in a week if I paid in full. I was able to pay XXXX dollars and try to save credit with the other Collection agency called XXXX on XX/XX/XXXX. I called AES which was my original student loan agency to explain my situation. I was told to wait 7 to 10 business days. I can not wait for them to investigate. My student loan was paperless and it was automatically deducted from the banking account there is no reason to have default payment on my record. There should be special circumstances for people like me to prevent lowering the credit rating for XXXX dollars. Now the XXXX dollars will turn to additional XXXX dollars per month with the sub primer mortage. Please help me to increase my credit rating so that I do not have to pay additional cost for the home loan or home loan rejection. Which means I may lose  my Honest money deposit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX - XXXX XXXX remove hard Inquiry