23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

To Whom It May Concern : I 'm writing this email hopes that one of you can escalate this issue to the right resource within your organization ( Wells Fargo XXXX that can truly help me as I 'm extremely FRUSTRATED with Wells Fargo 's customer service to date and this is my last resort. 

I 've had a terrible experience with Wells Fargo customer service to date, starting back XX/XX/XXXX when I initially put an offer on my home. 

The email below from a Wells Fargo representative is a perfect example of this experience and I 'm reaching out to one of you to help me get this resolved. 

I 'm trying to close on a FHA refinance and the case number in the FHA portal is being held by Wells Fargo. In XXXX of this year I reached out to Wells Fargo to initiate a streamline. Near the close of my transaction Wells Fargo ask me to come out of pocket with over {$2900.00} to close on the loan and this was not something that was communicated to me back in XXXX when I initiated the transaction so I decided at the end of XXXX to cancel my loan with Wells Fargo and go with XXXX Texas XXXX. 

I 'm very frustrated and hoping this issue can be resolved as quickly as possible. 

1. Wells Fargo has delayed transferring my case number to XXXX Mortgage of Texas XXXX, thus causing me unnecessary XXXX and hardship. I 'm writing this email while at work as an example of the inconvenience this has caused me. You can confirm when I started this process in the attached email. 

2. After determining that Wells Fargo would require me to come out of pocket for a FHA Streamline when we were ready to go to doc 's I decided to evaluate my options and now Wells Fargo is yet again holding up my FILE. See attached HUD where I had to come out of pocket for a streamline, when I was told that if I got an appraisal no out of pocket would be required. 

3. When I finally closed on the initial purchase LOAN back XX/XX/XXXX with Wells Fargo after a XXXX month escrow and multiple rate lock extensions charges on my loan, I had to come up with an extra {$2500.00} to close to pay for RATE lock extensions that were not my fault. 
I 'm just a hard working CITIZEN trying to provide and feed his family and these issues have caused a TREMENDOUS amount of XXXX on ME. 

Thank you for taking the time to read this. 

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

I submitted for a lease transfer on my Ally account in XXXX  which I was told the fee of {$590.00} would need to be paid by having a check sent in with the paperwork. I had not even submitted the paperwork yet and they went and added the {$590.00} transfer fee on my account. I was struggling financially in XX/XX/2021 due to my Husband losing his job due to covid. I was paying as much as I can each time. I decided not to move forward with the transfer as we did not have the money to transfer the lease. They applied the payments I made towards XX/XX/2021 to the lease transfer fee after I confirmed on the phone with a representative that this would not happen. She stated the monthly payment is always the first priority. This was not the case. The took all of my payments in XX/XX/2021 and XX/XX/2021 and applied it to the {$590.00} charge. This left a balance of {$120.00} due towards the lease transfer fee. I called almost every day to try to get my account reallocated. Due to covid everyone was working at home and communication between team members was very poor! I was told everytime that it would be done with in a few days. No one ever followed up with me or called me back like they said they would. One lady I spoke with told me to keep sending in money and I refused due to the fact it would still be applied to the lease transfer fee that shouldve been removed. It took from XX/XX/2021 till XX/XX/2021 for them to reallocate my account and I was hit with a late payment for XX/XX/2021 and XX/XX/2021 because I did not have all of the extra money they wanted me to send in in addition to my monthly payments. I believe they even waived the late fee charges but will not remove the late credit reporting. This error couldve been fixed way before I got his with a late payment if I did not have the extra charge on my account where my monthly payment money was going. I have never had a late payment ever in my life and once my account was corrected every payment was made on time. There has to be a call log of me calling every day to try to get this resolved before it became an issue. Please help me out as this is hurting my credit. I am looking for some understanding as this something that ally should have fixed much sooner and I have to get blamed and take the fault for it. They never followed through on removing the lease transfer charge from my account or returning my many requests for phone calls. Thank you for your time! 

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

I am writing to file a formal complaint against the Department of Education and any associated student loan servicers for what appears to be an egregious breach of my federally-protected privacy rights related to my student loan records and data. 

The Family Educational Rights and Privacy Act ( FERPA ) classifies student loan information held by the Department of Education as confidential education records per 20 USC 1232g ( b ). There are strict limitations on how this sensitive data can be shared or disseminated to third parties without consent. 

Despite these clear privacy safeguards, I have discovered evidence that suggests my private student loan details have been mishandled and potentially disclosed improperly by the Department and/or its servicers and contractors. This represents a serious violation of FERPA 's mandate.

Furthermore, the Fair Credit Reporting Act ( 15 U.S. Code 1681 ) stresses the need for consumer reporting agencies to uphold accuracy, fairness, confidentiality and respect for consumer privacy rights in their activities. Section 1681 ( a ) ( 4 ) explicitly highlights " the need to ensure fairness, impartiality and respect for the consumer 's right to privacy. '' Considering my student loan information is protected as an education record under FERPA, any improper sharing, reporting or lack of confidentiality regarding this data would contravene both FERPA and the FCRA 's stated purpose in 1681 ( b ) of ensuring proper utilization with confidentiality protections. 

I demand the CFPB immediately investigate this alleged privacy breach involving my student loan records. The Department of Education and its servicers/contractors must be held accountable for any legal violations related to the safeguarding and confidential treatment of my private student data as required by FERPA and the FCRA.

Robust corrective actions and appropriate enforcement measures are expected to uphold my statutory student privacy rights. Please advise on the steps being taken to address this complaint and ensure no further privacy infractions occur. 

Thank you for your attention to this grave matter. I look forward to your response.
Product: Debt collection

NATIONAL RECOVERY AGENCY PUT A COLLECTION DEBT ON MY XXXX credit reports And refuse To provide proof of the identity That this alleged debt belongs to! This debt is not mine and I have know knowledge of it Its now on my credit reports as of XXXX XXXX..They have to provide Debt validation proof And proof of the identity of alleged debt They have not provided anything And Without said proof This debt does not EXSIT It needs to be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

Paid my credit card within 30 days and truist reported it late. This is the second time they have had a system issue that failed to credit payment on time when paid. It is showing late but was not 30 days late on my credit I have proof
Product: Credit reporting, credit repair services, 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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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, credit repair services, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written 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: Credit card or prepaid card

On XX/XX/2021 we while on vacation in XXXX we stayed at the XXXX XXXX XXXX, were corned into a travel membership in which we were told that could be cancelled at time by the representative. We still stated that we did not need this additional expense but they insisted to try and then we could cancel if it didn't work for us in which my credit card was charged {$2800.00} with re occurring charges of {$43.00}. We when returned to the US we reached to the company that we will like to cancel XX/XX/2021. They did not respond to us until weeks later and there was a major language barrier, we stated that we did not need the service and they refused to cancel and continued to charge. They stated that in order for us to cancel we would have to first use the service and if dissatisfied then we would be able to cancel and the representative XXXX state in order to not loose our money we would have to do a revised membership and then we could cancel if the service provided was lacking. Under the advisement of XXXX we agreed to a temporary membership with the intent to cancel. We have been sending cancellation request for the last 8 months and no response. 

We finally reached to our bank- Bank of America to file dispute against the charges because the company refuse to respond to us and instructed Bank of America to stop payments on the charges and provided evidence that we attempted several tines to cancel the membership and the company refused to cancel and refund. Bank of America is still allowing this fraudulent company to charge my credit card, even after filing several disputes against this company. Bank of America is charging my credit card.
Product: Debt collection

On XX/XX/2019 I received a call from XXXX at XXXX EST. I was unable to pick up the phone call.AT XXXX EST, I received a text msg from " XXXX '' stating to " Please call XXXX ''. 
Upon looking up what XXXX meant, I found this " If You have XXXX Service, XXXX is the XXXX identifier for the voicemail paging option. When a caller selects the option to leave the customer a numeric page, the handset receives a text message from sender XXXX ' containing the phone number of the caller, or the caller can enter whatever number they choose instead of their own phone number. '' The call and text failed to state who was calling and why. 
At approximately XXXX EST I called XXXX back to find out who was calling. A female came on the line and stated that she was from Sunrise Credit Services, a debt collection agency.

I told the representative that I had received a text on my phone telling me to call this number. The representative stated that she was looking for this named individual and if I was them. I stated I would not be answering any more questions and that I would be filing a complaint. 
I have received phone calls from XXXX on multiple occasions as well as other phone numbers that are linked with this company. Each time they have called I received no information on who they were or why they were calling in my voicemail. 

For XXXX I received calls on : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XXXX, XXXX XXXX, XXXX XX/XX/XXXX XX/XX/XXXX For XXXX I received calls on : XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX and XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XXXX, and XXXX XXXX For XXXX I received calls on : XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX For XXXX I received calls on : XX/XX/XXXX, XXXX, XXXX XX/XX/XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX For XXXX I have received calls on : XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX, XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX, XXXX XXXX, XXXX For XXXX I have received calls on : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX For XXXX I have received phone calls on : XX/XX/XXXX XX/XX/XXXX For XXXX I have received phone calls on : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XXXX, XXXX For XXXX I have received phone calls on : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX, XXXX XXXX, XXXX XXXX Each of these phone calls was done without leaving any sort of voicemail or communication stating who they were or why they were calling.
Product: Debt collection

On XX/XX/XXXX I sent a letter to all 3 credit bureaus to verify debt of National Credit Systems on behalf of XXXX  XXXX  as on each report was reported differently and notified that status showed paid and no debt was owed on account. I have not received any verifiable information from either credit bureaus to advise of debt other than the collection agency have verified debt. I started paying this debt in XXXX. I reviewed my credit report in XXXX as status showed paid and stopped making payments. I did not receive any verifiable information of amounts I paid on account. I no longer received phone calls regarding debt from XXXX. I started receiving phone calls regarding debt as of XX/XX/XXXX and explained that debt was validated as paid on credit report and no debt was owed. The representative preceded to say that although it showed it was paid that debt was still owed. This company have reported inaccurate information on my behalf. The bureaus went off a previous dispute from XXXX to determine the information was correct.
Product: Mortgage

My home is on XXXX parcels of land. The first year I lived in my home, I mailed all XXXX real estate tax bills at the same time to my mortgage company, as I have an escrow account and they are supposed to handle those bills. Flash forward to XXXX XXXX of this year, when I received XXXX delinquent tax notices in the mail! I called Nationstar to ask why they paid for XXXX parcel when I own and sent them XXXX. I was asked to fax the delinquent tax notices to them directly, which I did on XXXX XXXX. I was told it would take XXXX-10 business days to be handled. By XXXX XXXX, I had not heard an update so I called back. I was told they contacted my tax collector and she said all my taxes were up to date. So I called the tax collector to confirm this and was told that they only contacted her about XXXX of the XXXX parcels, and it happened to be the one that was paid. They did not ask her about the other XXXX ( unpaid ) parcels, but she did tell them that there were XXXX parcels total and only XXXX was paid. I called back a 3rd time to let them know that they asked my tax collector about the wrong parcel. I 'm not sure why since they were faxed the XXXX unpaid parcels and never once was the paid parcel number even mentioned. A woman named XXXX had me on the phone for 40 minutes supposedly taking care of the situation. She was given the XXXX unpaid parcel numbers multiple times. I asked if the mortgage company would be paying the additional fees and penalties, being that this was their mistake, and was told that they would. XXXX said she sent out requests to inquire about the XXXX unpaid parcels and that she would call me on XXXX XXXX to give me an update. After NOT receiving a call with an update on XXXX XXXX, I called them again on XXXX XXXX. XXXX got the whole story again, put my information into the system, and proceeded to tell me that there are only XXXX parcels listed in my file, not XXXX as they have been told REPEATEDLY that there are. XXXX said she put in the request to confirm the third parcel ( even though this was supposed to have been done already by XXXX previous people ), and said I should call her back on XXXX XXXX to confirm that everything was verified and the taxes are being paid.
Product: Debt collection

PORTFOLIO RECOVERY HAS AN ACCOUNT REPORTING A BALANCE OF {$770.00} ON MY CONSUMER REPORT. THIS ITEM IS UNVERIFIED AND INACCURATE AND MUST BE DELETED FROM MY CONSUMER REPORT IMMEDIATELY. IF THE ACCOUNT IS STILL REPORTING ON MY CONSUMER REPORT AFTER 7 DAYS FROM NOW ( XXXX25 ) I WILL SEEK REMEDY FOR DAMAGES UNDER THE FCRA AND FDCPA FOR EVERY MONTH THE ACCOUNT HAS BEEN REPORTING UP TO {$1000.00} PER VIOLATION AND STATUTORY, PUNITIVE DAMAGES AS WELL. AGAIN YOU HAVE 7 DAYS FROM NOW.OR I WILL TAKE THIS ACTION AGAIST PORTFOLIO RECOVERY BECAUSE YOUR ARE THE COMPANY REPORTING THE ACCOUNT ON MY CONSUMER REPORT,
Product: Credit reporting or other personal consumer reports

contacted Transunion via phone and told them about inquiries that are on my report that i did not authorize. Was instructed to mail in a letter disputing these so they can be removed. Even after submitting letters twice via certified mail # XXXX they still remain and company refuses to remove these items i did not give permission for nor give consent for these to appear on my cunsumer report. 

XXXX XXXX XXXX XXXX ON XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 I have also written them dispute letters for company XXXX and asked that they removed Acct # XXXX via certified mail # XXXX from my consumer report and provide the documents with wet signature the company provided they with to even place this on my consumer report and it still remains nor have they provided any original documents pertaining to the alleged debt. 

Transunion has had well over 60 days the delete these and have yet to comply. I demand these be removed as they are not mines and the company has not provided proof with orginal contract with wet signatures to prove otherwise.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has allowed a death notification to be placed on my credit file and Im not deceased, Ive asked if there is a death certificate and havent gotten any results. I need to have that corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX A XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Mortgage

I received a settlement offer from Wells Fargo Home Mortgage. The letter stated that I may be eligible for compensation as a result of a settlement. After further investigation, I discovered that the Department of Justice has enter into an agreement with Wells Fargo Home Mortgage to refund service members for interest higher than six percent on mortgage loans that the service member originated prior to entering XXXX XXXX. This is in violations of the Servicemembers Civil Relief Act ( " SCRA '' ). 
A settlement offer of {$5900.00} was made ; however, this amount does not cover the total time I served and paid at the rate of seven percent interest. 
I am seeking assistance from CFPB to help in achieving the repayment from Wells Fargo Home Mortgage of the entire difference for the total time I served on XXXX XXXX, based on the SCRA. 
I sought legal counsel and it was suggest prior to moving forward with any other action I contact CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE PREVIOUSLY REPORTED THIS ACCOUNT AS FRAUD/ IDENTITY THEFT. THIS ACCOUNT DOES NOT BELONG TO ME AND EXPERIAN IS THE ONLY BUREAU THAT HAS NOT REMOVED THIS ACCOUNT FROM MY CREDIT PROFILE
Product: Checking or savings account

I went into the Regions Bank located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I wanted to close my checking account. The bank refused to allow me to have my money. XXXX people of XXXX not XXXX, stated it is my account, my photo ID matched and I answered all their personal information as to my account info and personal info. Yet they refused to allow me to get my money out of the bank. I contacted the sheriff dept. I was told by the sheriff dept that I have valid ID and I have the right to my money. I was told that the bank representatives had a personal issue with me and this is why they refused to allow me to have MY OWN MONEY!!!!!! It is illegal to refuse to give a person their money. I waited in the bank XXXX minutes to speak to XXXX people there. Then waited an hour for the Police to show. The XXXX told me they are not permitted to demand the bank give me my money. I am filing this complaint because I need my money to survive. I am going to be homeless since they are refusing to allow me to have it to buy a home that the seller is wanting cash only for. I am not going to be living in my vehicle and I am XXXX. It is my money. They have my photo on file and I gave them my photo id that matched what they have and matched my face. I gave them all my personal info including my social security card, credit cards, medical cards, check book, bank statements.