23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I joined " XXXX XXXX, '' and have monitored my credit report frequently. I had ( XXXX ) open accounts in collection, which had a " high negative impact '' on my credit score. Both accounts were over ( 10 ) years old. I disputed both items with " Transunion '' and they investigated them one at a time. The XXXX investigation was completed on XXXX/XXXX/XXXX concerning XXXX XXXX XXXX XXXX & Transunion results were " NO LONGER ON FILE. Yet low and behold, the derogatory account is still on my report as open & in collection. The XXXX report was investigated by Transunion and the results were the same ; no longer on file. So far, the one was removed on or about XX/XX/XXXX. I wrote to Transunion in XX/XX/XXXX and after informing them of the results of their own investigation, I asked them to remove the first negative account. As yet, they have not done so. It 's no wonder consumers are having such a hard time keeping their head above water financially.
Product: Checking or savings account

I have an XXXX XXXX checking account along with other types of accounts with PenFed Credit Union. There was a purchase of {$19.00} from a bakery that was supposed to be charged into my credit card account but ended up in being charged into my checking account by mistake. In the checking account, I always maintain a balance of {$500.00} to ensure the account in a good standing and never intend to use that fund for purchases. The bakery purchase lowered the balance of the checking account below {$500.00} threshold for a few days until I noticed the issue during a routine mobile app check. Then, I transferred the money from my saving account to my checking account to ensure the balance is restored back to be above {$500.00}. The transfer was made in the same billing cycle. The average daily balance didn't fall below {$500.00}. However, at the end of the billing cycle, that was a service fee of {$10.00} was charged into my account without any warnings. There is no feature of any sorts to alarm the users of the balance below a random limit that would trigger this fee. I contacted the customer service twice to explain the situation and asked them to reverse the fee given that was a mistake and I did correct the issue as soon as I noticed. However, the customer agents said this fee was applied by the computer and they couldn't reverse it.
Product: Checking or savings account

The bank sent a letter stating my bank accounts was freezed due to potential fraud and that pending review of the account may result in a closure and a check mailed to me for the balance. Per several conversations Ive had with the Fraud Department, chargeback department and customer service the account balance was resolved and accounts closed. However, I have received a letter stating that one account was charged off due to negative balance. When I inquired about the negative balance, it was explained that it was due to maintenance fees being accessed. I explained that the account shouldve been closed per letters and verbal statements by the bank so I should have never been charged maintenance fees. Despite several attempts to escalate and resolve this matter, it hasnt been. I spent countless hours trying to resolve this matter with no avail. The bank is non transparent and misleading and has followed their word. Not to mention, the positive balance remaining in my account was never returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is listed on my credit report with the initial creditor noted as XXXX. I mailed to XXXX XXXX to validate debt and mail was returned. I submitted a complaint to CFPB and the response from XXXX XXXX XXXX was the debt did not belong to them.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding the failure of the XXXX major credit bureaus ( Experian, XXXX, and XXXX ) to update and correct my personal information on my credit report, despite my numerous requests. 
Recently, I reviewed my credit report and discovered several discrepancies, including incorrect spellings of my name and multiple addresses listed, while I only have XXXX current address. In order to ensure the accuracy of my credit profile, I submitted formal requests for correction and updates to all three credit bureaus, in accordance with the Fair Credit Reporting Act ( 15 USC 1681 ). 
Specifically, I requested the following updates to my credit profile : * Correct spelling of my name * Correct address * Removal of any other addresses listed on my credit report, as they are inaccurate, misleading & non-mailable address. 
To verify my identity and address, I included copies of my driver 's license to verify my address. 
Despite my thorough and compliant submissions, none of the credit bureaus have updated my information as requested. The discrepancies remain on my credit reports, which continue to reflect multiple incorrect addresses and the incorrect spelling of my name. This negligence on the part of the credit bureaus is not only a violation of my rights under 15 USC 1681, FCRA, GLBA, ECOA, PRIVACY ACT OF 1974 but it also jeopardizes the accuracy of my credit profile and impacts my creditworthiness. 
I am seeking your assistance to ensure that the credit bureaus take immediate action to rectify these inaccuracies. It is imperative that my credit reports reflect accurate and up-to-date information to maintain the integrity of my credit history.
Product: Credit card

My main bank had always been Wells Fargo. I called asking if they offered a better rewards credit card than the 1 % Wells Fargo reward card that I had, because I kept getting better offers. The wells fargo representative told me they did indeed have a better offer and that I could go online to sign up for it. I went online and sure enough it stated in big bold colors and words. ( 1 ) {$150.00} rewards bonus if {$1000.00} was spent in the first 3 months ( 2 ) 0 % interest for 12 months. Online it said to see if you qualify for the introductory offer fill out the forms, which I did. I clicked through and online it said I qualified for it, I also got an email congratulating me for qualifying for it and that my card would be sent in so many business days. The card arrived and no where in that paperwork did it say I did not qualify for the introductory deal. So I proceeded and put $ XXXX in charges on in with in the first 3 months. But then they started charging me interest on the card, before the 12 months was up. They also refuse to honor the {$150.00} rewards introductory bonus. They are saying if I had read the fine print it would have said if I have another wells fargo credit card I would not qualify for intro bonus. But that is hogwash, no where did it say I did not qualify, It said fill out this form to see if you qualify for the introductory offer, and no where did it ever say I did not qualify for intro offer, nor did I receive an email denying offer, nor via USPS. So this is clearly another Wells Fargo credit card scam they are pulling on unsuspecting people. 

I will be closing all my accounts with Wells Fargo in the coming weeks after I work out details of another bank, but this is a clear case of them committing internet fraud on people. 

Please help in stopping this big bank from continuing to commit fraud on American Citizens. 

Many Thanks, XXXX ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive disputed items on my credit report with Experian after contacting the collection company. The collection company never sent documents to me proving that I owed them anything. There is not a signed agreement or contract between me and the collection company. There is no cancelled checks. They dont have a copy of my state ID or anything proving that I owed a debt they are demanding that I pay. By law, contracts and or agreements with valid signatures are required to show that someone owes a debt. Bylaw, credit bureaus are required to furnish what they used to validate accounts on our report. Experian never sent me anything showing how items on my credit report were validated not verified or certified. Their actions and the collection company actions violates the FCRA. I will pursue legal actions against both companies if those items arent deleted from my report immediately. They will be required to pay {$2000.00} for each item incorrectly reported on my account. FDCPA Section 809. Validation of debts [ 15 USC 1692g ] ( b )
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I refinance my home located at XXXX XXXX XXXX XXXX CO XXXX back in XX/XX/2019. I have made all my payments on time until I was told that my escrow account was negative $ XXXX. I called my mortgage servicing company and after many hours on the phone was told that I was doubled charge for my hazard insurance. Then I was notified by the county that my taxes for the previous year were never paid. I sent the notice to the servicing company and was told that someone would get back with me with a resolution. I never received a call back and now my credit reflects an increase of $ XXXX to my loan balance. I called the servicing company again and still no resolve. 

The mortgage company information is listed below. 

Shellpoint Mortgage Servicing NewRez LLC dba Shellpoint Mortgage Servicing XXXX XXXX  XXXX XXXX, SC XXXX Main Office NMLS ID # XXXX My Loan ID : XXXX
Product: Mortgage

I have applied for HELOC with Bank of America. Application was denied due to hidden limitations. Agent stated that right now no heloc is approved unless Bank of America issued the mortgage and you have a checking account with them. I dont match either of those criteria. On the application and during the applying process no statement was issued or warnings were posted that those are primary requirements to be approved. Basically I was applying and running my credit for no reason, since I wasnt eligible from the start. Bank of America failed to provide disclosure conserving limitations and current requirements to get HELOC. I even went to talk to branch, and they referred me to XXXX XXXX who tried to pursuance me to refinance my house and get the cash out. That was not what I wanted in the first place, and I feel that bank of America tried to take advantage of me by not providing full disclosure about limitations, denying me heloc, and pressuring me into refinance and take cash out.
Product: Credit card

I sent an endorsed negotiable instrument as tender of payment in XXXX XXXX to Capital One credit card company. I received no response, but an unannounced closing of XXXX credit card accounts at the end of XXXX XXXX. If they had a question about the payment they should've given the courtesy to contact me. At about the same time as sending the payment, I opted out over the phone of XXXX party reporting. 

When I spoke with a representative after the " unannounced '' closing of both accounts they said the reason was for breaking their policies. I asked about what policies were broken since I've been a longstanding customer. They said something about gambling & excessive charges which were ALL untrue. I don't gamble and there were no excessive charges. I usually pay my account in full. In my opinion, they're assuming I committed fraudulent activities which is inaccurate. I'm requesting an investigation with the intent to re-open both accounts with a clean reporting record or remove them immediately from all XXXX credit bureaus. 

Attached is an example of the payment & letter of instructions I sent them, but it was for two accounts for different amounts. 

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

I am writing to request the removal of outdated and inaccurate personal information from my credit report under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681. Specifically, I request that all previous addresses and phone numbers be removed, as they are no longer valid or relevant. 

My current and only address is : XXXX XXXX XXXX XXXX XXXX, GA XXXX Please update my credit file to reflect this information and remove any previous addresses and phone numbers associated with my report. According to the FCRA, I have the right to ensure that my credit report only contains accurate and current information. 

I appreciate your prompt attention to this matter. Please confirm once the requested changes have been made. 

Thank you for your assistance. 

Sincerely, XXXX
Product: Mortgage

*Loan was initiated XX/XX/XXXX by PNC bank *Loan is already existing with company since XX/XX/XXXX as an equity loan. I needed an additional XXXX for roof replacement. 
* Everything was going smoothly until loan officer said they did an appraisal but only a walk through was actually done. They never did an appraisal I provided them with an old one that was done in the first loan process. 
* They have told me over the months of this process that they are waiting for the appraisal to be validated ( whatever that means ). It was in the hands of the appraisal and not the underwriter. Which makes no sense because an appraisal was never done. 
To date I have only been provided one letter that stated I met all the conditions and that my end date for application was XX/XX/XXXX. Which after questioning they told me to not worry about. This whole situation seems to be very unethical and discriminatory based on my race and neighborhood demographics.
Product: Checking or savings account

I received emails from First Tech Federal Credit Union that " my '' statement was available for viewing. I have NO accounts with this institution. I called their customer service number. I spoke with an agent who said he could not disclose any information without me providing my full SSN. I asked what type of accounts were opened. He would not provide that without my full SSN. Whereas I had not opened the accounts and feel this is a fraud situation, I did not want to disclose the full SSN. I offered to provide the last four numbers but he demanded the full SSN. I asked for a supervisor. She took the partial and indicated I need to complete a fraud report form. I asked about the accounts that were opened, her replay the fraud department would be the only ones to supply that. She forward the required form. I required my full SSN, my DOB, the length of time I have lived in my home, my driver 's license number, a copy of my driver 's license or passport. I attempted to provide only the last 4 of the but not the driver 's license number or copy of the license or the exact amount of time I have lived in my home. The docusign form would not allow the form to be submitted without all of that information. Thus, I can not get the account closed or find out what was opened in this identity theft situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed multiple inaccuracies on my account without success I would like them deleted immediately Account XXXX Account XXXX also late payments reporting that were never late XXXX XXXX   Account XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX
Product: Mortgage

I have been trying to obtain a modification of my current mortgage for 4 years. Please see # XXXX. Bank of America recently responded with letter that has inaccurate information. This has been their pattern for 4 years. I am under the impression the Making Home Affordable program can help me reduce my payment to 31 % ( or less ) of my gross income. My payment ( principal + interest + tax + insurance ) is currently {$2000.00}. I have asked many times for a MODIFICATION to a fixed rate loan. I am currently on an adjustable rate loan. In Bank of America 's recent communication copied to CFPB, the letter states I requesed a REFINANCE. That is not true. Had Bank of America modified my loan 4 years ago, my payment would have been reduced approximately {$400.00} per month, but they have drug this out as my income has slowly increased and reducing my payment now would only result in a reduction of a few dollars - my ask is that this be done and that I be on a fixed rate loan, not an adjustable rate loan that can increase beyond my ability to pay. I have not asked for my principal to be reduced, only that my loan be modified to a fixed rate with a payment less than 31 % of my income. Delays in inaccurate calculations over the last 4 years do not seem reasonable or legal to me. I am current on my payments but fear the next increase will push the payment beyond my means.
Product: Credit card or prepaid card

American Express recently sent an email to its charge card customers about " Flexible Payment Option ''. This option allows users to carry there balance over with interest month to month. The issue I have is XXXX makes this sound to be a good thing along with providing an incentive to keep accruing interest on your debt. I feel this is unethical for credit card company to entrap its customers. It is also making it harder for customer to know if there full bill will be paid by the end of the month when an auto-pay is already set up which will lead to carried interest. I have copied the text below. 

I also want to clarify that I have not signed up for this program but realize many other people will unknowingly. 

" As a valued American Express Charge Card Card Member, you deserve choices when it comes to paying your bill each month. We 'd like to invite you to enroll in the Extended Payment Option1, a feature that gives you the flexibility to carry a balance with interest or pay in full each month. 

And, if you are approved, you could get XXXX Membership Rewards points.2 '' " Eligible charges of {$100.00} or more will be automatically moved to your Pay Over Time balance up to your Pay Over Time limit. For charges you choose to pay over time, the APR will be a variable rate, currently 16.24 %. ( The rate assigned will be the same as the current rate for your Select & Pay Later feature. ) You still have the option to pay your balance off in full each month. ''
Product: Debt collection

Item # 1 : XXXX XXXX  Item # 2 : XXXX XXXX XXXX This is my second dispute for the above items, and these items have yet to be verified as the law requires. I have never heard of these companies, nor have I ever had a contractual obligation with either of them. After requesting for these accounts to be validated, I have yet to receive any documentation from either of these companies such as : a signed contract showing that I entered into a contractual obligation with these two companies. According to the FTC, you are breaking the law by continuing to report unverified inaccurate items on my credit file. I am asking for each of these items to be deleted immediately. 

Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required under the laws of state and federal statutes. If this is not deleted, I will be left with no other choice but to pursue litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : -CAPITAL ONE BANK USA NA # XXXX
Product: Debt collection

Phone call received by company identified as Pacific Retrieval LLC, told me I owed them {XXXX for towing/tow yard charges on a XXXX XXXXr with me listed as the owner. I have never owned a XXXX XXXX, the vehicle was registered by the dmv under my ex-husband with XXXX  XXXX XXXX as the lienholder. The man said that my ex signed a release of liability on the vehicle which by law can not be done since the vehicle was legally owned by XXXX  XXXX XXXX. He said he would take this to court and my credit would sustain significant damage if I didn't pay him the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX for the SECOND TIME has allowed someone to open an account under my name/information as provided by a soft inquiry to TransUnion. I called XXXX on XX/XX/2013 to initiate XXXX XXXX and they told me they can not proceed until I pay them the {$1900.00} that " I '' owe them, which they sent to collections and reported to at least one credit agency, without ever notifying me ( nor TransUnion notifying me ). This is the 2nd fraud against me by XXXX and I even have Credit Freezes and Fraud Alerts with all major credit agencies! Apparently XXXX only did a soft credit inquiry with TransUnion and ignored any fraud alerts. They have put the onus on me to prove that the {$1900.00} was not in fact meaka Guilty until proven innocent. This conduct is grossly negligent by XXXX and they will not give me service until I prove I do not owe them money. TransUnion is helping to continue to victimize me by permitting others to commit repeated ID theft against me, and this needs to be addressed by the CFPB. TransUnion needs to vet its customers more and cease dealing with them if they have a lack of basic fraud prevention, and stop providing my information to be used to commit further fraud against me. I called TransUnion and after a few phone transfers, they agreed to stop allowing soft inquiries against me. However, they will not send me a copy of my credit report as I have an active dispute. They told me to go to XXXX to access the report that they would not supply, however that website would not allow access to my report either. The fact that I have a dispute/fraud makes it even more important to see my credit report, which they are not allowing.