23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I was Contacted by mail from XXXX about a ReFi, I spoke with a man there about rates and he asked to see my tax returns. I Asked him Twice not to run my credit but he did regardless because my social security number was on my return. He was extremely arrogant about running my credit telling me he had to to see what rate he could get. I asked him not to. I want to File A Complaint with this shady Business. FUNDINGSTE XX/XX/2016 FUNDING SUITE XX/XX/2016 FDNG STE XX/XX/2016
Product: Checking or savings account

On XX/XX/2019, I completed a sales transaction for an XXXX I was selling through a third party app ( XXXX ). However, the consumer stated she wanted to use the banking app XXXX ; a cash app that is available in the mobile banking. I was skeptical of the transaction, so I called Wells Fargo where a representative told me it was a secure app to use as long as the funds reflect on my account and instructed not to leave if the transaction was " pending ''. Therefore, I asked the consumer if she could XXXX me XXXX cents to make sure it would go through giving her my phone number to complete the transfer. She made the transfer and it reflected on my account, so I made the drive to complete the sale. We met, she loved the product, then she used XXXX to make the transfer of {$290.00} to cover the amount making the total purchase of {$300.00}, in which we agreed. Therefore, I transferred the {$300.00} dollars to my savings account and that's where the funds were up until XX/XX/2019. Until I noticed my Online Banking was frozen ; but unsure why until I made the call where I was told that {$300.00} was debited because she ( the consumer ) reported to her bank ( XXXX ) that she never made that transaction and was fraudulent, which is false. After hours and dozens of fraud claims department representatives, I was told the same thing. " File a police report, its out of our hands at this point ''. This would be a reasonable ; had they notified me at all about the situation, but NOONE at Wells Fargo or any representative called or texted me at all to let me know about the claim against me. I was told that they ( Wells Fargo ) received the claim XX/XX/XXXX and judgement was ruled and I was debited XX/XX/XXXX, which makes absolutely no sense. I was even told that they notified me by mail ( which was mailed out XX/XX/XXXX ), but I made my calls XX/XX/XXXX when I found out. I didn't receive that letter in the mail until XX/XX/XXXX. Wells Fargo made no attempt to contact me to make an appeal of some sort. I don't feel safe with my funds being banked at Wells Fargo no longer, after I was instructed that it was safe to use their app to complete cash transfers. I was also told out of sarcasm ; that if I bought multiple items on third party apps -ie. XXXX, XXXX, XXXX, etc., and I reported as fraud as well that I would get my money back the way she ( the consumer ) did to me. She ( the consumer of my XXXX ) now has my phone and her money. I am extremely irate, and I feel Wells Fargo handled this situation unprofessionally, and I feel Wells Fargo should be held accountable.
Product: Checking or savings account

On Friday, XX/XX/XXXX, I was unable to use my debit card to make a purchase. One with XXXX for {$12.00} and another with XXXX for {$32.00}. I got a message saying that the purchase was declined due to suspicious activity. When I reached out to the company via the app, they would not address the matter as in they would not answer my main question ; What was the suspicious activity that caused my account to be locked. They sent a generic response saying that it was the merchant using foreign currency. I told them that I had used my card before with the same merchant and had no problems before. Then they said that was all the information that they could give me. I reached out and asked if I needed to change my card. They said they couldn't help me any further on the matter. Again I tried to use my card on Saturday at XXXX XXXX for {$15.00} and again at XXXX XXXX for {$9.00}. For the past three days I have been trying to get answers as to 1. Why my account was locked. 2. Why wasn't I notified about the suspicious activity when it was first suspected. And the most important question : How do I get access to my funds? 
I called them this morning and again was given the same answers. They can not help me any further on the matter. Wait for an email that never comes. I have spoken to XXXX, XXXX, XXXX, and two others who did not identify themselves.
Product: Mortgage

First Home Mortgage transferred the servicing of my mortgage to XXXX Bank. This has created two problems : ( 1 ) First Home Mortgage never informed me about this transfer before my payment is due, and ( 2 ) XXXX Bank says I owe more for my mortgage than the documents that I signed with First Home Mortgage.
Product: Mortgage

Since my loan was transferred I have been making every effort with Caliber to help me apply for disaster assistance, I was impacted by the Woosley Fires, and my area was declared to be in National Disaster are in XX/XX/XXXX. Caliber told me that because they did not have the disaster assistance application I could no longer apply for it. I submitted the application to the previous servicer, but my loan was transferred while in review. Caliber informed me that they did not have the application from XXXX and that I could not send it in, it was too late - they would have needed it from the servicer. I lost a good amount of time because caliber did not have my loan information for 1-2 weeks after the transfer, but still refused to postpone my sale date until they did have it. Luckily, the initial sale date for XX/XX/XXXX was postponed bc of the XXXX hold, not bc of Caliber. So I applied for a modification, since they would not review me for disaster assistance. I submitted all the requested documents by XX/XX/XXXX. On XX/XX/XXXX I was told that they needed me to change my profit & loss and to send in a lease extension. I submitted the documents on XX/XX/XXXX. 
On XX/XX/XXXX Seterus, the previous servicer had finally sent Caliber my Disaster Assistance application. 
I called XXXX on XX/XX/XXXX to advise the agent that I submitted the additional requested documents which should complete my modification application & enable me to have the sale date postponed, so that I can have my application reviewed for assistance. The response from Caliber was very concerning. I was told that they are extremely backed up and they dint know when they will be able to review the documents I submitted on XX/XX/XXXX, and that it may happen after the sale date, which he said would be unfortunate, but there is nothing he could do. Even though I submitted what I was asked to submit, they were too busy to get to it and it is actually the last day for me to submit any documents. This is not okay, I did what I was told to do and if Caliber is so backed up then they should postpone the sale date. 
I called almost every hour on the final day to submit documents, XX/XX/XXXX and my submitted documents, via email ( the fastest method ), were still not uploaded. There wad no one available to help me, I tried to escalate it & I was told that even if I submitted all my paperwork on time, to be reviewed for a modification, that the sale would not be placed on hold or rescheduled if they had not had a chance to review. I am given the run around and no options for any help, even after doing everything I was told to do, in order to be considered for assistance. On XX/XX/XXXX I was told to wait until XXXX to have an update for me, but that is only TWO days before the SALE date and they indicated they are so busy that there is nothing they can do about that. I also requested a reinstatement amount, which I never received and how can I reinstate if I wont have an update until 2 days before a sale.
Product: Debt collection

I opened a Khols store credit card around XX/XX/XXXX and I was making payments on time every month. Around XX/XX/XXXX or XX/XX/XXXX my purse was stolen and all my identifying documents were in my purse along with credit cards. The card got maxed out in a matter of days. I contacted them to make them aware which they were suppose to report the card stolen and all charges credited back but that never happened. Now the account is in collections and I am expected to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an accounts reported by your company in the file you maintain under my Social Security number.I was informed on 60 days ago that the item was deleted from my credit report XXXX XXXX XXXX, Now I have discovered that the item has been reinserted on my credit report.

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.I hereby demand that you immediately delete the negative item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Attorney Generals Office, and the XXXX.

Please govern yourself accordingly.
Product: Vehicle loan or lease

Ammendment to XXXX XXXX new low Capital One ( XXXX ), last week you sent a XXXX XXXX to my home approx. XXXX who woke me up by shouting my name and calling me a XXXX and then driving his truck as if he was going ram right through my gate and refused to leave. You placed a repossession on my credit, then a hired a legal team to charge me almost XXXX for an XXXX car. 

You yet to explain the illegal fee of XXXX XXXXXXXX, btw none of the contracts match! 

You have committed the act of XXXX and many both Consumer, criminal and civil rights.
Product: Credit reporting

This item is with Equifax. It is more than seven years old and is not mine. I am a victim of identity theft because of this. I have tried to call them but keep getting the run around. The total dollar amount is {$4000.00}. Public Record Details. I need it removed immediately. 

XXXX Docket number XXXX County, TN Status Amount {$4000.00} Type legalitems
Product: Credit reporting or other personal consumer reports

Today, I found unauthorized inquiries on my credit report without any explanation. I usually check my report, and suddenly these discrepancies appeared. Refreshing the browser didnt fix anything. Im beyond frustrated and need the documents I sent reviewed properly to stop this from happening again.
Product: Checking or savings account

Payments submitted by credit cards for payments. Returned by Chase Bank marked no account found. I have used the same account over 20 years. I have called Chase, they say its my fault. They refuse to fix it. I have negative reports at the credit agency because of Chase Bank. They wont fix that either. All of my credit cards are paid thru the same account and only that account. None of my other cards have had any issues .These are the only 2 so far. XXXX XXXX XXXX XXXX ( XXXX ) Charges for returns XX/XX/XXXX {$15.00} XX/XX/XXXX {$15.00}, XXXX {$15.00} & XX/XX/XXXX {$15.00}, XXXX {$15.00} & XX/XX/XXXX {$15.00} plus XXXX {$15.00} charges in XXXX. They told me they couldnt give dates that far back. I want Chase to remove all negative reports to the credit agency since All 3 of them. its their mistakes. Also XXXX XXXX {$20.00} & XX/XX/XXXX {$20.00}. Chase refuses to address their mistakes. And fix them.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX BALANCED {$1400.00} XXXX XXXX XXXX XXXX BALANCED {$3100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> Goldman Sachs XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Urgent Request to Review and XXXX XXXX under FCRA XXXX XXXX, Truth in Lending Act, and IRS XXXX Guidelines Dear XXXX XXXX XXXX XXXX am writing to urgently request that you review the reporting of my account with account numberXXXX in accordance with the Fair Credit Reporting Act ( FCRA ) Section XXXX ( 15 U.S.C. 1681s-2 ), the Truth in Lending Act ( XXXX ), and IRS regulations XXXX the cancellation of debt. 

I have identified inaccuracies and potentially fraudulent activity associated with this account. As per the Truth in Lending Act, I am entitled to accurate and fair reporting, and I am currently in the process of reporting this entire transaction as fraud. I also intend to report this matter to the IRS, as the nature of the transaction may have further implications for both tax reporting and compliance. According to IRS XXXX XXXX XXXX XXXX are required to file Form XXXX with the IRS when they cancel a debt of {$600.00} or more, as this canceled debt is generally considered taxable income for the debtor. The publication specifies : A debt is deemed canceled when a creditor decides to stop trying to collect on it or reports it as a loss on their books. This may include a charge-off on their financial records. 

If you have reported this account as a charge-off or have ceased collection efforts, you may be required to issue a Form XXXX to both the IRS and myself, XXXX that the debt has been canceled. Failure to align your reporting practices with IRS, FCRA, and TILA guidelines not only results in inaccuracies on my credit report but also causes harm to me by putting me at risk with the IRS, as this is considered taxable income. I am trying to stay in honor by ensuring my records are accurate and compliant. In light of these concerns, I request that you : XXXX Review, verify and delete the current reporting status of this account on my credit report. 
XXXX. Provide documentation clarifying whether this account has been considered a canceled debt under IRS guidelines. 
XXXX. Issue Form XXXX if applicable, or correct any inaccurate information reported to credit bureaus. 
XXXX. Respond to my claim of fraud under the Truth in Lending Act, providing a thorough review and documentation of the accounts legitimacy. 

Please respond within XXXX days to confirm your receipt of this request and to inform me of the actions you will take to address these issues. If this matter remains unresolved, I will continue reporting these concerns to the relevant regulatory authorities, including the IRS. 

Thank you for your immediate attention to this request. 

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

I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. despite the countless letters I have been sending to the Credit Bureaus, they have done nothing! These inquiries were never authorized and I need them to be rmoved from my Credit report as soon as possible. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX  XXXX XX/XX/XXXX XXXX. XXXX XXXX  XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX
Product: Student loan

On XX/XX/2020 I contacted Navient about my consolidated FFELP student loans. I inquired about the zero percent interest rate reduction due to the pandemic. I received a response that I did not quality. I was not informed that I needed to transfer my loans to the direct consolidation loan program to quality. As a result they have collected interest on loans and I have incurred additional debt that could have been avoided had I been informed of my loan options.
Product: Student loan

I was set up auto pay and they never contacted me to tell me i have to call to continue auto pay annually then i get call saying im 2 months behind and bow i need to triple pay to get update and im 2 months behind because its a new month but its not even XXXX of month which would make it 2 months past due! Then boss yelling in background telling the lady XXXX no she needs to pay past due first before anything and she is telling me im sorry im lk is he yelling at me to you! Everysince they changed to navient iv had nothing but terrible experiences. Nor will they let me access my loans online so i can see what my balance is
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Several years ago I was a victim of I.D theft resulting in a number of student loans appearing on my credit report. My repeated request over the last several years to have this matter rectified has been to no avail. Experian has taken the hard knock positions that this matter has been investigated and that no further investigation is warranted. I have requested that this issue be looked into under Section ( 609 ) of the Fair Credit Reporting Act is a Consumers Disclosure section which is to provide for the protection of consumers against false and erroneous reporting. ( This section of the FCRA places the burden upon the Credit Bureaus and the Creditor to prove an account is mines ) has been non responsive.
Product: Credit reporting or other personal consumer reports

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C.

1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to
such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).
Product: Debt collection

I received a letter from Sequim Asset Collection attempting to collect a debt from XXXX XXXX  from XX/XX/XXXX. i have no debt with XXXX XXXX I sent them written notification to Sequim asking for verification of this debt per federal guidelines. they have sent no verification of this bill as of XX/XX/XXXX. they have posted it as collection against my credit reports from XXXX  and XXXX. They have been called and still refuse to get a verification of this debt to me as required by FDCPA and CFPB guidelines. They state I just need to pay this bill. It has already been over 30 days since they signed for my letter. Can you please help me in getting this removed from my credit and getting them to stop harassing me and trying to destroy my credit
Product: Credit card or prepaid card

ISSUE # 1 : I submitted a billing dispute to Chase twice to remove {$25.00} of a charge from XXXX XXXX XXXX the past couple of months. I have still not received so much as an acknowledgement. 

I filed a chargeback request disputing {$25.00} of the following transaction. 

XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX XXXX MI {$570.00} I paid {$25.00} for unlimited refills on XXXX XXXX cleaning solutions kit ( general cleaner, window cleaner, etc. ). XXXX XXXX wont provide any refills, so I did not get what I paid for. 

I even e-mailed Chase 's executive office on XX/XX/XXXX but never heard back. 

ISSUE # 2 : I e-mailed Chase customer service asking them to become more sustainable. 

Chase remains the world 's biggest banker of fossil fuels, and customers have a set of clear demands for you : -Close the loopholes in your restrictions on financing coal companies and fossil fuel infrastructure in the XXXX ; -Stop financing tar sands extraction and pipelines ; -Immediately end your funding for companies that are expanding fossil fuel extraction and transport ; -Put in place a plan to phase out all support for fossil fuels on a timetable aligned with the XXXX  Agreement. 
-Many credit card companies are issuing non-plastic, biodegradable credit cards. I hope Chase makes the switch too. 

Chase 's response : Hello XXXX, Thank you for contacting Chase. For privacy reasons, we generally don't discuss our business interactions with individuals or businesses. We appreciate your business and welcome your ongoing feedback and will continue to work hard to meet your needs in the future. Your satisfaction is important to us. We appreciate your business and thank you for being a Chase customer. Thank you, XXXX Chase Email Servicing XXXX AOC : XXXX My response back : Chase 's website, https : //www.jpmorganchase.com/corporate/Corporate-Responsibility/es-comprehensive-strategy.htm, says Chase is all about transparency and reporting, but clearly that is not true.
Product: Credit reporting or other personal consumer reports

Unauthoried accounts on credit report XXXX. ) Unauthrized XXXX XXXX XXXX XXXXXXXX orginal creditor XXXX XXXXXXXX XXXX, Opened XX/XX/XXXX amount of {$680.00} XXXX. ) Unauthorized XXXX XXXX XXXX XXXXXXXX orginal creditor XXXX XXXX  XXXX, Opened XXXX XXXX, XXXX {$680.00} XXXX. ) Unauthorized XXXXXXXX XXXX XXXX XXXXXXXX original creditor XXXX XXXXXXXX XXXX, Opened XX/XX/XXXX {$680.00} XXXX. ) Unauthorized XXXX XXXX XXXX XXXXXXXX original creditor XXXX XXXX XXXX, Opened XX/XX/XXXX {$680.00} XXXX, ) Unauthorized XXXX XXXX XXXX XXXXXXXX original creditor XXXX XXXXXXXX XXXX, Opened XXXX, XXXX XXXX
Product: Debt collection

Trans union and XXXX  will not remove a debit that yet have validate verification they just keep stating updated with out verification a collection XXXX XXXX for XXXX was on my credit last year and removed and now added back I have no knowledge of the account and dot believe its mines XXXX recently had a breach in selling customers identity. I will like this account removed