23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

In account with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXXXXXX XXXX, XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX has violated my rights. I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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: Checking or savings account

I am retired, and living in XXXX. I have banked with Bank of America XXXX and their predecessors through mergers and acquisitions ) for over 50 years. Tuesday night, XX/XX/XXXX, I had a low balance in my checking account, but I knew I would not use the account until Friday, when my wifes paycheck arrives. Wednesday morning the account amount was higher because 2 fees charged put the account in the red and overdraft protection kicked in with a {$12.00} fee. Usually, when an overnight charge, such as an insurance premium occurs, I see the deficit in the morning and transfers funds. This time I had no chance to transfer funds and the bank had an opportunity to charge another fee. I did get the {$12.00} fee refunded, on the second call. 
Last XX/XX/XXXX the Bank of America started to charge fees for about every transaction made. Service fees charged taken from their statements : XX/XX/XXXX - {$0.00}, XX/XX/XXXX - {$0.00}, XX/XX/XXXX - {$0.00}, XX/XX/XXXX - {$53.00}, XX/XX/XXXX - {$290.00}, XX/XX/XXXX - {$290.00}, XX/XX/XXXX - {$230.00}. When complaining about the fees, Customer Service says my balance is not high enough, but my income has not changed on several years. ( Until about three or four years ago, I had a Merrill-Lynch IRA, about {$50000.00}, until they discontinued foreign clients, and I had to move the account to another financial service. ) The total charges to date are {$2600.00}. Now when I withdraw monies ( XXXX Q = about {$260.00} ) from the XXXX ATMs, here in XXXX, there are two service charges from B of A : {$5.00} and {$7.00}, for using another banks ATM and a foreign transaction fee. The fees charged are excessive, and many. Fees for use of an ATM, and fees, as a percentage of purchase with debit card. I was charged {$8.00} for a {$280.00} grocery purchase and {$5.00} for a {$160.00} purchase of prescription eyeglasses. Before XX/XX/XXXX there were no charges. In ten months the charges amounted to {$2600.00}. This is an outrageous example of putting profits before taking care of clients.
Product: Mortgage

During my loan origination in XXXX, my loan officer coarsely advised me that I needed to pay for a rate lock on my loan to avoid any jeopardization in getting the loan ( in XX/XX/XXXX and XX/XX/XXXX ). That rate lock cost me {$680.00} and during the loan process, I experienced many delays by Wells Fargo which ultimately caused my loan to close outside of normal parameters for the considerations of the loan. 

In XXXX of XXXX, Wells Fargo internal auditing determined that it was in their best interest to reimburse the rate lock fee in the amount of {$680.00}. In XXXX Wells Fargo finally issued me a check for {$800.00}. When I questioned the amount of the refund, they sent me a letter, and in their letter to me dated XX/XX/XXXX they broke down the amount as {$680.00} for the fee, {$60.00} for interest, and {$64.00} to compensate me for the time that I did not have the funds. When I questioned the {$64.00} amount, they said " we're unable to accommodate this request, because the information requested is considered to be privileged, confidential and/or proprietary information to Wells Fargo ''. 
Since that original explanation, I have made multiple phone calls to Wells Fargo in which their representatives told me everything from they " don't see a inquiry in their system for me '' to " I reassigned the case to myself ... ..and their lawyers set the amount ... .and you're not getting a dime more '' to " we got an email about the rate lock issue this morning ... .let me check with my team lead to see what they did with you ''. 

Wells Fargo is clearly trying to cover legal bases and avoiding any explanation to resolution of my issue. Fair compensation for their illegal charge of rate lock fees should consist of the original rate lock fee plus interest of between 4.875 % and 17 % XXXX 4.875 % is the mortgage rate interest of the loan in question and 17 % interest is the yearly average return of my personal investment account during the time in question ), a mutually agreed upon interest should be accrued monthly compounded from XXXX of XXXX through the date of the resolution. The amount of compensation shouldn't be " privileged, confidential and/or proprietary information to Wells Fargo ''. In addition personal compensation related to time spent on my behalf to resolve the matter.
Product: Checking or savings account

My debit card transactions are consistently denied for security reasons, despite repeated verifications through phone calls and chats confirming that these transactions are neither fraudulent nor a security concern. For nearly two years, I have used my debit card weekly to transfer funds to XXXX XXXX without any issues. However, starting approximately two weeks ago, these transactions have been blocked without explanation. 

When I contacted support, I was informed that these denials are due to a security flag. Yet, no one at the bank can provide a specific reason for this change or offer any resolution. Support acknowledges that this was previously allowed but can not determine the cause of the recent blocks or take steps to correct it. 

I request a thorough investigation into the root cause of this issue, along with an immediate fix to allow me to use my debit card as I have in the past. My goal is to restore uninterrupted access to my funds and to continue using my account and card reliably.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my reports, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XX/XX/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

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

Account Name : XXXX  : Account Number : XXXX Account Name : XXXX  XXXX : Account Number : XXXX : Balance : {$570.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$4200.00} Account Name : XXXX XXXX XXXXXXXX : Account Number : XXXX : Balance : {$310.00} Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$810.00} Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$980.00} 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

This letter shall serve as formal Notice of my Intent to file a Complaint with the Federal Trade Commission and the Consumer Finance Protection Bureau, due to your blatant disregard of the law. 

In accordance with the Fair Credit Reporting Act, the following creditors, TOYOTA MOTOR CREDIT - ACCT # XXXX have violated my rights. 

15 USC 1681 Section 602 states that I have the right to privacy.

15 USC 1681 Section 604 ( A ) Section 2 states that a consumer reporting agency can not furnish an account without written instructions.

15 USC 1666B states that a creditor may not treat a payment on any account this is open as a consumer or revolving account as late for any purpose.
Product: Student loan

In checking my credit reports, I noticed that my student loan had doubled the amount owed from Navient formally known as XXXX XXXX. They are claiming that I owe them XXXX for my XXXX education. I am in disagreeance with them regarding this amount. The amount previous shown was XXXX it has now doubled. I am requesting proof. It also indicates that this loan is 91 % paid.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name ; Account number XXXX Account name XXXX XXXX  has violated my rights. 
I looked at my TransUnion credit report on XX/XX/year> and noticed some things are incomplete and incorrect. 
And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. And according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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 incorrect
Product: Mortgage

There are.multiple issues. The biggest issue being that all principal interest taxes and insurance was paid on my.house. Including {$120000.00} to escrow. I owned my property I bought in XXXX. When I sold my house Select Portfolio servicing collected ANOTHER {$250000.00} from MY proceeds. I believe this was due to the terms of the XXXX modification. Paragraph XXXX allowed adding any past due amounts BUT. The servicer MUST include payments already made. I believe the payoff was the amount i had already paid prior to the modification less interest. ( Which means they are required to count all payments since XXXX ) .already paid- this is the money they took from my proceeds. The money they were paid in XXXX came from money I paid to two other servicers PLUS the foreclosure balance of my other property. My duplex to which I paid over {$100000.00}. AND a XXXX mortgage to which XXXX payments. XXXX XXXX foreclosed on my duplex. The other loan Assumed in XXXX was paid in full to XXXX mortgage. Therefore In addition to the payments I made to SPS they were paid {$250000.00} from the sale of my house in XXXX and they received another {$200000.00} In XXXX. ( From XXXX west? Did they get the money I paid to the single XXXX AND all of the money paid to XXXX XXXX credit cards from XXXX for the money paid to XXXX? I ). My summation is I made {$580000.00} payments Plus 20 % down payment. I paid off a XXXX second mortgage and {$44000.00} to credit cards from an {$82000.00} line of credit. I paid off XXXXXXXX XXXX mortgage ( already included second mortgage ). XXXX XXXX XXXX XXXX XXXX XXXXXXXX paid off XXXX mortgage that paid off the original {$210000.00} I borrowed to pay the seller {$270000.00} for my house. XXXX refinanced my house to pay taxes and insurance XXXX. ( without counting pays to lot XXXX ERROR XXXX commerce bank payoff already included in XXXX loan ERROR XXXX. XXXX balance already added to first mortgage is paid from the second mortgage. ERROR XXXX. XXXX XXXX Second mortgage was extinguished, released with {$80000.00} DEBT FORGIVENESS THIS PAYS OFF XXXX modified to XXXX less XXXX =balance of XXXX that pays XXXX first XXXX in XXXX and XXXX onewest added to modification - or XXXX. ERROR XXXX {$220000.00} paid after modification pays off the balance. All money I borrowed all interest due since XXXX all taxes and insurance disbursed and the money added. I am attaching 4 files the deeds of trust and payoffs of my 2 refinances on my house. XXXX releases on ONE XXXX loan and a subordination agreement on my duplex and amount added by onewest. Also the deeds and releases on my duplex showing that ERROR XXXX XXXX XXXX XXXX transferred a loan on my duplex I had already refinanced with XXXX. ( XXXX also held the XXXX loan I assume in XXXX and paid in full In XXXX ). Please contact me for any additional information
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached is XXXX XXXX letter stating account ending in XXXX was not displayed on my credit report Attached is Experian credit report reflecting : o XXXX  XXXX Count starting as XXXX, {$1700.00} Balance o Another Experian credit report reflecting the account ending in XXXX, Balance {$1700.00} o Another Report reflect account number as XXXX, {$1700.00} Balance These are the same account, same amounts, different numbers, and should be removed immediately. 

The Experian credit report also reflects XXXX XXXX XXXX. Attached is : o Letter from XXXX XXXX XXXX reflecting the adverse listing should be removed o I have also attached the email stating this also
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is not reporting on credit any longer. The account is in good standing and I would like for it to report on my file correctly. Thank you XXXX XXXX XXXX XXXXXXXX
Product: Bank account or service

I purchased security for my computer in XX/XX/XXXX from a company named XXXX. They did not provide security, they actually put spyware on my computer. On XX/XX/XXXX, I received a phone call from said company, the person stated that XXXX had bought their company and was no longer going to provide security. I was asked if I wanted a refund. I said yes. I was then a victim of their fraud/scam. Somehow they we able to get into all of my accounts with Wells Fargo, transferred money from all my accounts making it look as though they refunded my money. They told me they made a mistake and refunded me {$7400.00} instead of {$740.00}. They told me to withdraw the overage amount and deposit it into another Wells Fargo account, I did so. When I realized that something was going on after looking at all my accounts, they had made several other transfers between my accounts. Within hours I contacted Wells Fargo Fraud Dept.. I have been working with Wells Fargo since XX/XX/XXXX in regards to all this. They are really good at transferring you to several people until you are thoroughly confused and frustrated. I received a phone message on Friday, XX/XX/XXXX at approximately XXXX from " XXXX '' from the fraud dept.. She went on to say that she was ready to credit my account for the refund, but that she wanted to talk with me first. I returned her phone call, but got no answer. I called again on Monday, XX/XX/XXXX, no answer. I left messages both days for her to return my call. On Tuesday, XX/XX/XXXX, her message said she would be gone until XX/XX/XXXX. I then called another customer service number, only to be told by them, that my claim had been denied. I asked " Why did XXXX from fraud dept. call me and leave a message stating that she was ready to credit my account ''? I have been getting the run around the whole time I have been dealing with Wells Fargo. I also have XXXX message saved on my phone. I am a XXXX year old single female and have no one to help me. My life has been turned upside down by all of this and I am in fear of having a nervous breakdown or worse from this. Wells Fargo is now claiming that I owe money on my personal line of credit, my credit card and has reported my name to the credit bureau 's. I am the victim and I did not do anything wrong. One of their employee 's even said to me that I had transferred the money in question, which I promptly told her that I did not. Wells Fargo does not stand behind their customers. They have devastated my life. I am unable to pay my living expenses and am in fear of being on the street with nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a dispute for inaccurate payment history from XXXX XXXX XXXX. XXXX reported my XX/XX/XXXX payment as 30 days late ; however, this mortgage was paid off on XX/XX/XXXX. I submitted a document showing the payment record from XXXX to Experian, and disputed this with the company directly. Both XXXX and Experian have refused to remove this inaccurate information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # : XXXX I can not see the paid-off auto loan on my Transunion credit report. Please report it back on the Transunion, and it is not delienquent. The account had been Paid-off and on time.It is very important for me and I don't want mess up my credit. I have enough trouble already.
Product: Mortgage

Wellsfargo fail to honor a previous modification agreement. I requested Wells Fargo Home Mortgage to process my application for the HARP Program because I am unable to meet my current mortgage terms obligations. I am a former XXXX that was release recently from XXXX and was XXXX as a result of military XXXX in XXXX. The only income I have is from my XXXX compensation from the Veterans Administration. Wellsfargo Home Mortgage is delaying the process and claiming they never documents they need in order to complete my application. I have sent the documents in question on several occasions, still they claiming they never received the information. They are still using this delay and deception to foreclose on XXXX and Veterans I can never get anyone to return my calls an/ or address my many letters regarding a response. They are deceptive in apply their on process and procedures and phone conversation are misleading and deceptive in practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I MADE AN UNINFORMED DECISION ON XX/XX/XXXX AND XX/XX/XXXX WHEN I ENTERED INTO A CONSUMER CREDIT TRANSACTION WITH XXXX  XXXX WHERE I EXTENDED CREDIT TO XXXX XXXX FOR THE FOLLOWING ACCOUNT # XXXX AND ACCOUNT # XXXX. THERE WAS NO EVIDENCE OF INDEBTEDNESS. THE ONLY EVIDENCE OF INDEBTEDNESS WAS THE AGREEMENT. BUT BECAUSE OF THE UNINFORMED DECISION THAT AGREEMENT IS NULL AND VOID BECAUSE I DID NOT UNDERSTAND AND KNOW WHAT WAS IN THE AGREEMENT. THE AGREEMENT WAS NOT CLEAR AND CONSPICUOUS AND I WAS UNAWARE OF WHAT I WAS AGREEING TO. VIOLATION OF THE FOLLOWING LAWS : 15 USC 1602 ( p ) 15 USC 1602 ( k ) 15 USC 1601 ( a ) Please see attached dispute letter to XXXX XXXXXXXX. A complaint has also been filed with the ATTORNEY GENERAL of State
Product: Checking or savings account

opened checking account XX/XX/XXXX XXXX they had promotion where you would receive {$400.00} if you made 3 direct deposits over 90 days of {$3000.00} or more. I did all those things, and i never received the bonus. the explanation over message center was that i did not make 3 deposits. I recontacted them and showed my statement showing i did make 3. they then elevated the issue and a lady called and told me i didn't receive the bonus because i got another bonus more than 13 months ago. I explained that was within their posted terms which say you can not earn a bonus within 12 months, and i earned one over a year ago. she then told me she would look into it. she called back and said i opened the account within 12 months of receiving the bonus and that was why i did not get a bonus this year. what she said is not what is posted in their terms and conditions. they are not paying out and are wrong for that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX  XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX Balance : {$0.00} ; Chapter XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX.