23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Wells Fargo Deferred Interest Charges on 0 % Promo Loan I am disputing a charge of {$3500.00} in deferred interest that was applied to my Wells Fargo promotional loan, despite making on-time and above-minimum payments every month. 

I opened a promotional 0 % APR loan through Wells Fargo with Air Specialist in XX/XX/XXXX. The promotional terms were " No Interest if Paid in Full within 18 months. '' I made automatic monthly payments of {$610.00}, which was well above the required minimum. 

My XX/XX/XXXXXXXX  statement showed I owed only {$1200.00} on the promotional balance that was set to expire on XX/XX/XXXX. I had more than enough funds in my {$610.00} payment to fully pay off that balance. However, Wells Fargo applied payments toward a separate promotional loan ( which doesnt expire until XX/XX/XXXXXXXX  ) insteadcausing me to miss the expiration on the earlier loan and get hit with {$3500.00} in interest. 

I was never told that I could direct payments. According to Wells Fargo 's own payment hierarchy, they apply minimums however they choose, and only prioritize expiring promos if theyre within two billing cycles. This lack of transparency and control unfairly penalized me as a responsible borrower. 

I am now being told I must pay {$1300.00} to settle a charge that should never have occurred. I am requesting the CFPBs assistance to : Reverse the deferred interest charges in full Ensure customers are given the ability to allocate payments in good faith when more than one promo balance exists. 

Supporting documentation ( statements and Wells Fargos letter ) available upon request.
Product: Mortgage

Since the end of XX/XX/XXXX I have been dealing with a mistake that M & T Bank caused. 
They claimed to never get my XXXX XXXX when I moved into the house in XXXX. Since then I have been paying those taxes with my mortgage payment. They have promised me on several occasions they would fix and correct the issue. I have done everything they asked and needed of me and called regularly to check the status of this issue. During all of XXXX the issue only got worse. Every time I called I was never able to get the same person twice on the phone in the tax department so the issue became confusing on both ends and it basically turned into too many cooks in the kitchen situation. My XXXX statement said that my payment amount would be going up {$400.00} a month which is what prompted my original phone call. I have since found out about the taxes being wrong for 2 years and M & T Bank told me in total I should have about {$700.00} in taxes taken off of my payment. Great news right? Well it has taken them this long and the issue STILL isn't fixed. Every time I call I am told to give them a few more days and I have been extremely patient but I am at my wits end here. This should have been handled in 5 days tops and I am going by what M & T told me originally. I have had my issue expedited 6 times and now I have one person who I can contact directly to receive status updates which in the week I have been talking to him he never calls me, I have to call him and he never has an update. He asks that I give him 3-5 days to get a new escrow analysis done and I have done that plus an additional day and still no change. I am livid and exhausted with all this nonsense. I immediately tried to get this taken care of back at the end of XXXX so that it would be done and fixed before my XXXX payment was due but here we are, XXXX XXXX and still no resolve. I told them many times that I wanted this handled asap so that I would not have any issues by the time my mortgage payment was due. Please help me with this, I've tried so hard not to scream and yell at any of those people over the phone but I have cried because I am just so beyond stressed and exhausted from this whole thing. Thank you, XXXX XXXX
Product: Mortgage

SECOND COMPLAINT Ditech has me multiple notices requesting proof of hazard insurance on my condo. I mailed them a copy of the policy more than a month ago, then received a second request weeks later. When I contacted Ditech by phone, they stated that they had n't received the copy that I mailed. When I asked if I could send a PDF of the policy via email to ensure receipt, their representative stated that they do n't have email. I sent the policy a second time via fax, for which I received a confirmation. 

Yesterday, I received a second and final notice that they had either not received a copy of my policy or that the policy had expired. 

I 've carried mortgages for multiple properties, single and multifamily, and never had to provide proof of hazard insurance more than once to any lender or servicer. Putting this burden on the customer every year and forcing a hazard policy if the customer fails to provide proof seems underhanded and fishy. Ditech surely receives some margin or commission on the sale of these forced policies. 

I believe Ditech is making this requirement intentionally difficult and profiting from their customers ' fatigue -- with the process, the refusal to accept email, and the torrent of " important '' promotional mail we receive from Ditech which we have to open every time lest Ditech charge us for a redundant insurance policy. It might be legal, but it 's slimy and it 's bad for consumers.
Product: Checking or savings account

On XX/XX/XXXXXXXX  {$2000.00} and XX/XX/XXXX {$1700.00} totaling to {$3700.00} for hotel accommodations which were not fulfilled by the resort and business failed to provide room and accommodations paid for. They neglected our requests for refund after not supplementing a habitable alternative for our family - A flooded and hazardous room. The business only insulted us by asking us to take 2 nights in future stay voucher credits which does not cover our 6 night loss exceeding {$3700.00}. This is unacceptable. We contacted AMEX to open a dispute and chargeback under goods/services not provided, which in our case was the hotel room. AMEX rewards checking keeps denying our claim and not looking at our evidence and the business 's neglect and failure to provide what was paid for use of our AMEX Rewards Checking Account debit card. Regarding this matter, the agent/hotel here breached its agreement to provide suitable and habitable premises. The reiterate the room that was given was plagued with damaged plumbing, resulting in flooding for the purchase and not occupy-able. As an American Express customer, I have a right to a refund-chargeback and not only a two night credit which the agent/hotel felt was generous for a 6 night loss.. We have provided all facts and proof of neglect and resort unable to fulfill its obligation for our reservation. 

AMEX dispute case # Account Ending : XXXX Reference Number : XXXX for {$1700.00} and XXXX for {$2000.00}
Product: Checking or savings account

Due to egregiously reckless misconduct, Wells Fargo simply lost XXXX I properly sent to XXXX XXXX. He did not receive the funds- so where did it go - and how can Wells Fargo simply just lose XXXX dollars of peoples money?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Due to the XXXX XXXX XXXX, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX XXXX. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Product: Credit reporting or other personal consumer reports

SEE ATTACHMENT. 

Experian is in violation of FCRA 15 USC 1681i.
Product: Checking or savings account

I had not used my checking account in a very long time. Maybe a 7 to 8 months. 
I had less than {$10.00}. In the account and the bank never took funds. 

However I put money in my account so I could pay my mortgage. Soon as the funds was put in they took the {$800.00} Without warning. No notification sent to my phone. Normally I get a notification for everything from this bank. Randomly took the funds and said it was because of a credit card that was closed a year ago. 

The funds are not put back, they did not care the funds was for my mortgage. Now I'm a month behind. When I trusted a bank to protect me. They go and do this. I really needed that money. Now I have to figure out what I'm going to do to try and pay my mortgage, food ect. Why take funds now? Why not take funds the other months? Waited and took money causing a hardship
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/XXXX, I received a letter from XXXX XXXX that indicated I had been apart of a data breach through their security system. I went in and registered my information with XXXXXXXX  during that time and had not heard anything since. 

On XX/XX/XXXX, I was reached out by someone at a local XXXX XXXX indicating that someone came in and tried to request an apartment application with a fake license and SS using my name. She reached out to me letting me know, during that time I put my name, credit, and information on ID Theft Protection website to ping me for any inquiries that were fraudulent. They denied the credit application, this was at apartments of XXXX XXXX XXXX  in XXXX. Since then I have not received any credit hits and assumed that this was a one-off occurrence. 
On XX/XX/XXXX, I received a hit from XXXX inquiries on my credit application to purchase a vehicle from XXXX XXXX of XXXX with XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX  I reached out to XXXX XXXX and all XXXX additional vendors and confirmed that the inquiry did not go through ; however, I notified the address on the inquiry was in XXXX, Texas. I started to XXXX the address and noticed that it was an XXXX XXXX XXXX XXXXXXXX called XXXX on the XXXX. I reached out and spoke to the office XXXX and he indicated that they did have someone living at the facility. I confirmed my name, date of birth, license information and SS with him and he did confirm that someone is there at the facility. 
He indicated that there was nothing that the apartment complex could do even through I am indicating that this person has used my identify to get an apartment. The only thing I could do was file a police report, which leads me too today. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Barclay 's Bank Delaware 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
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I had XXXX hard inquiries on credit report which I did not authorize. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to best of their ability and with maximum accuracy. I demand these inquiries to be removed as they should be due to the fact that I never authorized. Thanks! Please see the below inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I will list the correspondence of the personnel I spoke with. 
I spoke to XXXX XXXX- on XXXX @ XXXX. We spoke on the account from XX/XX/XXXX - XX/XX/XXXX. 
I spoke with supervisor XXXX XXXX on XXXX XXXX @ XXXX and verified that my payment date is the XXXX of each month and the removal of late payments. 
I spoke with XXXX on XXXX about my account. 
I spoke with XXXX on XXXX @ XXXX XXXX  and she also verified the removal of late payments and would submit a dispute. 
I spoke with XXXX on XXXX and the dispute was in my favor and he works for customer service. # XXXX I spoke with XXXX XXXX XXXX there are many supervisors I spoke to about the account. My payment history shows my excellent payment history and the vendor lists the product more than what I purchased it for.
Product: Checking or savings account

1. Checking Account Closure and Withholding of Funds I opened a Citi Regular Checking account to take advantage of a promotional {$450.00} welcome bonus offered to new customers. I successfully met all the requirements for the bonus, including funding the account via transfer from my XXXXXXXX XXXX checking account. After receiving the bonus, I attempted to transfer a portion of the funds back to my XXXX account. At this point, Citibank informed me that I had allegedly violated their client manual and that my account would be closed within 60 days. 

Citibank has refused to provide me with specific details regarding the alleged violation. Furthermore, they have denied me access to my account, preventing me from verifying the exact balance, which I estimate to be approximately {$7000.00}. I am unable to confirm the precise amount as Citibank representatives have refused to disclose this information, citing the account closure. They have also been unable to confirm the timeline of my funds will be returned to me, or if the returned amount will be accurate. 

I visited a local Citibank branch in person to resolve this issue, but the branch representatives provided the same vague explanation and were unable to reinstate my account or provide any further information. I maintain that I have not violated any terms or conditions of the account agreement. 

Credit Card Closures and Forfeiture of Rewards In addition to the checking account closure, Citibank has also closed my two credit card accounts, which I have held for 16 years and have maintained a positive credit history with. I was not provided with a clear explanation for these credit card closures. As a result of these closures, I will forfeit the accumulated cashback rewards and ThankYou points earned on these cards. I am extremely dissatisfied with this outcome, as I have been a loyal credit card customer for many years and I have near perfect credit score.
Product: Credit card or prepaid card

Expected {$15.00} to be on the card for an item that was returned and refunded in XX/XX/2019. Was told that that amount was refunded to my credit card instead of the gift card. That was not true. The gift card currently has a XXXX  balance and Macy 's won't tell me the truth about where it went.
Product: Debt collection

Contacted lvnv funding llc by certified mail and I offered them {$350.00} to settle in lump-sum amd they did not respond at all. But yet continue to report on my credit report. Also they shared my personal information with a XXXX party servicer without my consent or my knowledge. Their collection letters state to choose my response for it may affect my rights. " Please read the following notices as they affect your rights '' is this a threat? Well they decided not to meet my disputes and have a 3rd party servicer contact me again. resurgent capital services. They violated my cease and desist request, which I certified mailed back in XXXX, which I have the exact date and receipt upon request.
Product: Vehicle loan or lease

On XX/XX/year> I emailed Chairman 's Office at Citizens the following ( also attached ) : Dear Chairmans Office, I am in receipt of XXXX bill. It arrived yesterday. Why do I have a Total Amount due for XXXX? I made a double payment for XXXX so XXXX bill should read XXXX. 

See attached bills for XXXX and XXXX and please advise by the end if the next business day. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX As of today, XX/XX/year> I received no response. I am holding off making another payment until I hear back from the Chairman 's Office at Citizens.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint for Inaccurate Late Payment Reporting on Credit Report Dear CFPB, I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by Experian. These entries do not reflect my true payment history and misrepresent my creditworthiness. 
Nature of the Complaint : Inaccurate Reporting : The late payments listed on my credit report for my XXXX XXXX account ( # XXXX ) are inaccurate. I have been consistently enrolled in autopay and have made my payments on time. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting violates the FCRA ( 15 USC 1666 ( b ) ), which mandates accurate and fair reporting of consumer credit information. 
Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : Reporting false late payments may also violate the FDCPA, protecting consumers from account misrepresentation.

Truth in Lending Act ( TILA ) : I assert that these reporting practices violate TILA provisions requiring accuracy in reporting credit information.

The FCRA, specifically sections 15 U.S. Code 1681i and 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate information and ensure the accuracy of consumer file information. Furthermore, the FCRA articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) provide for civil liability for willful or negligent noncompliance, including damages for failure to adhere to Act requirements. 
Requested Resolution : I request that Experian conduct a thorough investigation and remove the inaccurate late payments from my credit report. I ask that these entries reflect my true record of on-time payments. I expect written confirmation of the removal of these entries within 30 days of this complaint. 
Summary of Errors and Discrepancies in Account Reporting The following discrepancies have been identified in the reporting of 30-day late payments for my XXXX  XXXX account across the three credit bureaus. These reported late payments are inaccurate, as I have consistently made on-time payments due to enrollment in autopay. 
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 2024.

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 
These discrepancies violate the Fair Credit Reporting Act ( FCRA ), as they misrepresent my payment history and creditworthiness. I am requesting that each bureau correct these inaccuracies and update my account to reflect my actual, on-time payment history. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX
Product: Student loan

I have been battling with AES since XX/XX/XXXX. I informed them that due to the lack of hours at my current employer, I could no longer afford to pay {$710.00} per month and I was currently in the process of obtaining a XXXX job. I even offered an amount of roughly half the monthly amount ( which would be extremely pushing my monthly budget ). Most recently I have sent multiple letters to AES and their XXXX party collection group XXXX XXXX, requesting that they send the original copies of all documents proving that this " debt '' is valid. The only responces I have received from AES is the current balances on each of the individual XXXX loans. AES continues to harrass myself and the co-signer which happens to be my retired father. I have tried working out a reasonable solution with AES which they refuse to budge because it is considered " private student loan ''. Per their records, I have paid {$34000.00} ( {$23000.00} in interest, {$10000.00} in principle and {$10.00} in late fees ) since I have been in repayment. How is that possible when the original amount on these alleged loans is {$62000.00} but the current balance is {$81000.00}? AES yet again fails to provide any copies of documentation from the years XX/XX/XXXX-XX/XX/XXXX that shows any signatures from myself and/or co-signer validating the alleged XXXX loans. However, they continue to send emails stating pay now or your credit rating will be affected or place calls to my contact number on Saturdays and Sundays when their office is closed ( business hours are XXXX XXXX through XXXX XXXX Monday through Friday EST, per their emails/letters ). At this point I am considering filing Bankruptcy due to the lack of relief from the alleged loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, XXXX and XXXX the major consumer reporting agencies is ignoring my letters or claiming they have been verified when i ask for the information to be deleted. The creditors that i have disputed are : XXXX XXXX -XXXX XXXX XXXX XXXX XXXX XXXX  My rights have been violated per 15 U.S. Code 1681i ( B ) Contents As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; There was NO NOTICE OF DISPUTE. this is a violation of my rights 15 U.S. Code 1681b In accordance with the written instructions of the consumer to whom it relates.

They do not have written permission to furnish the information about me.

5 U.S.Code 552a and most of all my right to privacy was violated with them publishing this information about me I have tried to dispute this with the consumer reporting agencies as well as the persons supplying the information to no avail. 

These people are crooks and are only doing what is in their best interest which is a conflict against mines.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit was pulled and sent to a lot of different lenders by  XXXX   XXXX   XXXX  (   XXXX   ) without my consent. I did not signi a credit application, and or privacy policy, I did n't even go on their website and filled a credit application. There is n't a document with my signature that shows that I allowed  XXXX   XXXX   XXXX   XXXX  located in  XXXX   XXXX   XXXX   XXXX   XXXX  GA  XXXX  to pull my credit and shotgun my credit to a lot of lenders.             I checked my credit before I went car shopping and I was at  XXXX  in   XXXX    of the bearous.        When I did make my decision in purchasing a vehicle, I went to a different dealership (  XXXX   XXXX  i )  to purchase my vehicle and when I gave them permission to look at my credit they had told me that my score was not  XXXX  and had dropped to  XXXX  and that they could see a lot of inquiries in the last two days from  XXXX   XXXX    XXXX   XXXX  . I called  XXXX   XXXX    XXXX   XXXX   and I asked to speak to the  manager  and they told me he was n't available.       I worked so hard to be able to get it up in the  XXXX  's before purchasing a vehicle and at that point when  XXXX   XXXX  had told me that my score had dropped from  XXXX  sending my credit to different lenders. I had no choice but to take the interest rate  XXXX   XXXX  was offering me because of my  credit score dropping so many points after  XXXX  had used my credit without my consen t and sent it to diferent lenders.             XXXX   XXXX   XXXX    2016  are the dates that  XXXX   XXXX   XXXX  used my credit to send it to multiple lenders without my consent.       My name is  XXXX   XXXX  and my cellphone is  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These account do not believe to me, I do not recognize these account numbers nor accounts. I believe that i have been a victim of identity thief. 


XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$1100.00} opened XX/XX/XXXX XXXXXXXX XXXX {$840.00} Opened XX/XX/XXXXXXXX XXXX