23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XX/XX/XXXX I closed on a new home, with my first mortgage payment due to LoanDepot XX/XX/XXXX. On XX/XX/XXXX I received notice from LoanDepot that my mortgage was being transferred and a new mortgage company would take over as of XX/XX/XXXX. In the notice LoanDepot stated that they would " stop accepting payments after XX/XX/XXXX. '' As I had not received any communication from the new mortgage servicer regarding the ability to make online payments, I chose to schedule my first mortgage payment using LoanDepot 's online payment system to be paid on XX/XX/XXXX. This was a day prior to the transfer, the final date that LoanDepot said they would accept payments, and additionally well within the legally required 60 day window in that payments made to LoanDepot must be treated as on time for the new servicer. 

On XX/XX/XXXX, at XXXX I received an email from LoanDepot notifying me that my payment that should have already been accepted the previous day had been cancelled by LoanDepot XXXX After contacting customer support by phone I was told that my payment that had been scheduled for XX/XX/XXXX was cancelled on XX/XX/XXXX because as of that later date my loan was no longer serviced by LoanDepot. When I asked the customer support agent about the transfer period and LoanDepot 's obligation regarding payments received within the 60 day window, the customer agent replied " I wouldn't recommend that '' ( Paraphrased ). 

I escalated to my loan servicer, who made contact with another customer service support representative via email. That customer service support representative in their reply misrepresented the document, stating " Per the attached letter, loanDepot stopped accepting payments as of XX/XX/XXXX '' [ sic ]. As previously quoted, the specific text in the document that representative attached actually stated that " loanDepot will stop accepting payments after XX/XX/XXXX. '' A reasonable interpretation would not expect that a payment scheduled for a date was made after said date- if that was the intention of the document the sentence would read " as of '' or " on or after '', rather than only " after ''. 

I have already made my payment with my new mortgage provider and do not need to continue doing business with LoanDepot, but am making this complaint for XXXX reasons : - LoanDepot refused to accept a payment for the mortgage made while LoanDepot was still the active servicer of the mortgage. 
XXXX LoanDepot refuses to comply with its federally defined obligation to mortgage holders under 12 USC 2605 ( d ), " Treatment of loan payments during transfer period ''.
Product: Credit reporting or other personal consumer reports

Equifax is allowing incorrect reporting against my credit resulting in inflated debt and utilization reporting. Specifically, XXXX is reporting incorrect debt and although theyve agreed to delete, it continues in equifax. Also, XXXX XXXX continues to report although Ive provided documentation showing the debt shouldve been deleted and the same account is reporting twice with both lines showing a balance of XXXX this should be illegal as it directly impacts my ability to obtain trade lines. Lastly, XXXX is reporting debt that which can not be validated so I question what was furnished to Equifax to allow the reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Checking or savings account

On XX/XX/2021 there were three fraudulent transactions made to my bank account which resulted in a total of almost XXXX dollars which I had not authorized. The same day the fraud was commited, not even 20 minutes after I arrived at a Chase bank and made them aware of the situation. One of the representatives there cancled my account on which the fraud had occured on and made me a new account. Which the next day appeared to had transferred over the fraud into my new account. When I tried again reaching out to chase no help was provided. So when I went to the police department to make a report they asked that I bring in a dispute form which Chase refuse to give me multiple times and till this day I have not recieved that form. Which did not permit me to move forward with the investigation.Also when I called Chase and their team including their executive office I was told many times that there was nothing they could do for me and refused to give me any information that could help me. The only information I was given was by Chase was that the transactions were made to a XXXX XXXX account. Which I reached out to XXXX XXXX and they told me that the information of the account could only be given to the police and inorder for me to allow the police to work on my case they needed the dispute form for the fradulent transctions. That like I mentioned before I was denied. They also just keep saying that there is no way that they can prove that it was a fraud when it clearly was and also refuse to give me a dispute form for those transactions so I can bring to the police inorder to prove its a fraud and I can sign under a judge that I have nothing to do with the fraudulent transactions nor do the two other individuals on my account.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because i was a victim of XXXX data breach. I want these items deletedform my credit report immediatelyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach. and XXXX has done nothing.Please help me deletes these illegal accounts from my credit report.
Product: Money transfer, virtual currency, or money service

XX/XX/21 I received a fake check of {$2500.00} from an individual XXXX XXXX who purchased my item I posted on XXXX. My item was only {$620.00}. She told me to deposited the check and XXXX the refund to her daughter who she claims in college. Her account manager XXXX  contacted me to zelle money to XXXX XXXX ( XXXX ) and her husband XXXX XXXX at XXXX. Later in day XXXX  said to cancel item purchase and told me to send the rest of money to XXXX and keep {$200.00} for expens. I XXXX totall of {$2300.00} to those two individuals. Next day I got a notification from my Chase bank that the cashiers check I got from that XXXX is fake and they even charged me {$12.00} for returned check. I contacted the bank immediately to report check fraud and scam activities to claim department. They told me the bank cant to anything about this matter since I XXXX the money over they wont be able to cancel transactions. And told me to report the police. I find that it is unfortunate that I got scammed without knowing it but the bank should help their clients to get their rightful money back no matter what when it is a scam activity.
Product: Credit card or prepaid card

I had been having problems with making payments with my credit cards the past couple of months so I made a loan to pay off all of credit cards and cancel the cards. On XXXX XXXX, 2017 I called Victoria Secret 's ( Comenity Bank ) and spoke with a customer service rep and told them that I wanted to pay the account in full and close my account. He gave me a final balance of $ XXXX-I completed the transaction with the rep on that day. Two days later, I received an e-mail from VS stating that I owed {$45.00} for a finance charge. My payment was due on XXXX XXXX, 2017 and I paid XXXX XXXX, 2017. I e-mailed VS two times and finally called on XXXX XXXX to speak with a representative. He was rude and disrespectful. I repeatedly explained that I made it clear on XXXX XXXX I wanted to pay the account in full and close. Why did n't the rep give me the full amount as I requested? He could n't answer me, all he could say was that I missed my payment due date and was charged a finance fee for not paying on time. I was asking for the finance charge to be removed so that account would be zeroed out and they would not take care of it. I experienced the same issue with XXXX, also Comenity Bank, I paid that card in full on XXXX XXXX, 2017 also and two days later I received an e-mail stating I had an outstanding finance charge. I neglected to call Comenity because of my previous conversation. I was on the phone over 20 minutes with a customer service rep who was condescending, rude and disrespectful. I will share my story of unfair and illegal practices by this credit card company.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX a secured credit card in my name opened on XX/XX/2022. The payment status says its past due 30 days two times and then Im over the limit 127 %. I have called both XXXX XXXX XXXX to try to have this matter resolved as I never opened a credit card with their company. I tried to ask for where the secure {$300.00} came from they did not provide that information I have submitted disputes with the credit bureaus to no avail. Its still showing as a revolving account and Ive never opened this at all. It should be simple to find out where the {$300.00} came from if I opened a secured credit card which I wouldnt have done considering I have three credit cards with good balances and are unsecured.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Consumer Loan

Wells Fargo Bank charged me {$75.00} annually and {$400.00} to cancel the account
Product: Student loan

XXXX took over servicing my student loan in XX/XX/XXXX. The first payment I made they didn't apply until I called them. Since then for over 6 years I received bills from them that said {$0.00} due each month. I continued to pay {$120.00} per month in the hopes that I would pay off my loan early. Unbeknownst to me in XX/XX/XXXX my monthly payment amount increased to {$160.00} so the {$120.00} I was paying was not satisfying the monthly amount due ( at this time I was still getting bills saying {$0.00} due ). Turns out they were taking the extra amount I had paid over the previous years ( paid ahead money ) and were applying it to monthly amount due. In XX/XX/XXXX of this year I got a bill for {$130.00} then the next month for {$160.00}. At first I just thought my monthly bill had gone up. Then in XX/XX/XXXX I received a bill for {$240.00} so I called XXXX. Turns out my monthly payment amount was supposed to increase every two years but they had never sent a monthly due amount on the bill so I wouldn't know it. After multiple calls trying to resolve the issue the response I received was we made an error ( for 6 years they made an error ) and there is nothing they can do but apologize. Now instead of being paid off early for my student loans I am back to the original loan term due to the error on their part of sending a {$0.00} bill every month until all of my paid ahead money was used up. I have discussed this issue with their customer service department and their ombudsman group and both admit that they made an error with all of my bills but they both say they can not do anything for me.
Product: Payday loan, title loan, or personal loan

I received via United States mail a similar attached letter from Wells Fargo regarding obtaining a personal loan. Wells Fargo 's letter stated that interest rates depends on an applicant 's ( 1 ) credit score and ( 2 ) the amount of money requested ( 5.74 % to 19.00 % ). 
On XX/XX/XXXX I applied for a personal loan of {$3000.00} from Wells Fargo Bank. My credit score in XXXX was XXXX and the amount borrowed was {$3000.00}. I did not know at the time that I had been approved for an interest rate of 13.74 %. I contacted Wells Fargo on Monday, XX/XX/XXXX, and then on the same day with a with follow-up question. I received a standard voicemail that said " they will call me back in half hour at the number on their screen and that I would not loose my place in line. '' I am still waiting in cue. I again contacted Wells Fargo on Wednesday, XX/XX/XXXX at XXXX and was placed on hold with loud music. I hung up and dialed WF and spoke with XXXX in Wells Fargo 's executive office. My follow-up question is " what is the interest rate that is given to an individual with credit score of XXXX who borrowed {$3000.00}. I find WF 's interest rate to be extremely offensive. I believe WF is offering a bait and switch. Please investigate as I believe I have been hoodwinked and overcharged by bad behaving Wells Fargo. Many thanks for your help.
Product: Debt collection

Company placed trade lines of {$3600.00} and {$130.00}, i have requested proof of debt and company has procrastinated with a request of an account number, which I do not have because it is not my debt.
Product: Checking or savings account

Signed up for a new savings account at Marcus by Goldman Sachs - I made a small deposit and received an email notification that my money was received in the account.

I followed their guidelines when signing up for the savings account. There is no minimum balance required. I have great credit etc as well. WHY AM I BEING REFUSED A SAVINGS ACCOUNT???

They closed my account two days later WITHOUT ANY NOTIFICATION to me. I spoke to a customer service rep. and a supervisor and BOTH refused to explain or tell me why my account was force closed. They told me they do not have to provide a specific reason. They also said they can't guarantee they will allow me to open up an account if i try again.

I WANT TO KNOW WHAT IS GOING ON AND WHY I, A CONSUMER AM NOT ALLOWED TO OPEN A SAVINGS ACCOUNT with MARCUS by GOLDMAN SACHS!!! 

I WOULD LIKE A RESOLUTION. I WILL ALSO BE SENDING EMAILS AND XXXX MESSAGES TO THE CEO, COO and other top executives until someone shows some professional courtesy and explains to me why my account was closed WITHOUT NOTICE and WHY it was CLOSED. 

PLEASE HELP
Product: Credit reporting or other personal consumer reports

XX/XX/year> I started an account with XXXX XXXX XXXX to help delete negative items on my credit profile from the three credit bureaus. This has been going on every month from the day I opened an account with them till I closed my account with them after spending nearly {$1200.00} in services for them having doing anything they said or claimed they did. I tried reaching out to them on five different occasions to no help or response. I need to know what I have to do next to get my money back I wasted thinking they were improving my credit score.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX Balance : {$480.00} XXXX  XXXX XXXX Balance : {$140.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX XXXX XXXX Balance : {$480.00} XXXX  XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$480.00} XXXX ( previously late/open ) XXXX XXXX XXXXXXXX Balance : {$1400.00} XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute on XX/XX/24 to get an account that is incomplete with multiple inaccuracies removed from my credit report. 

I received an update email from the bureaus but after a review of my report I noticed that the account is still inaccurate and incomplete. 

I followed up on XX/XX/24 and have only received a response that they are still working on it. 

This is a violation of the FCRA and a direct violation of 15 USC 1681 ( 5 ) ( A ) ( i )
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern : I am writing to dispute the following information on my credit report. I recently received a copy of my credit report and found the following inaccurate information reporting to my credit : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX recently reviewed my credit profile and notice inaccuracies and/or incomplete information, and accounts that are inaccurate. According to the Fair Credit Reporting Act, Section 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ) of the FCRA- you are required to promptly report the credit obligation or account as current. If the furnisher makes an accommodation ; such accommodations defined as an agreement to defer XXXX or more payments or forbear any delinquent amounts. 

( F ) Reporting information during XXXX XXXX  ( i ) Definitions In this subsection : ( I ) Accommodation The term accommodation includes an agreement to defer XXXX or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus XXXX XXXX ( XXXX ) XXXX during the covered period. 

( XXXX ) Covered period The term covered period means the period beginning on XX/XX/XXXX and ending on the later of ( aa ) 120 days after XX/XX/XXXX ; or ( bb ) 120 days after the date on which the national emergency concerning the novel XXXX  XXXX ( XXXX ) outbreak declared by the President on XX/XX/XXXX under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates. 
( ii ) Reporting Except as provided in clause ( iii ), if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall ( I ) report the credit obligation or account as current; or ( II ) if the credit obligation or account was delinquent before the accommodation ( aa ) maintain the delinquent status during the period in which the accommodation is in effect; and ( bb ) if the consumer brings the credit obligation or account current during the period described in item ( aa ), report the credit obligation or account as current.

That being said, I demand that all late payments reporting late on these accounts be updated to PAID AS AGREED, NEVER LATE, and the amount to report as current. If you neglect to update this information, I will promptly file a CFPB complaint. 

I await your reply. Once you have fulfilled my request, please mail me an updated credit report reflecting these changes. 


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

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

! 5 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

I received a wire deposit of {$100000.00} from a business customer who banks with XXXX XXXX to be used to purchase a car for the customer as per my business agreement on XX/XX/XXXX. The funds pended for 3 days and was made available by my bank ( Chase ) on XX/XX/XXXX. I waited for 5 days after the availability to use the money for business as always with no issues and was left with {$15000.00}. On XX/XX/XXXX Chase restricted my account and placed a hold on my account refusing to give me my money claiming they got a notice from XXXX XXXX that the money was fraud and for that reason I need to call XXXX XXXX about it. I called XXXX XXXX on XX/XX/XXXX but the wouldnt speak to me since I do not bank with them. So I made my customer call in reference to that and my customer was told by XXXX XXXX they did not send any fraud alert notice to Chase and there is no issue with the customer account or the wire that was sent. I informed Chase about the call to XXXX XXXX and what XXXX XXXX told my customer. Chase told me to wait for 7 business days so they can update my account and remove the restriction. After 7 days Chase told me they were doing their own investigation so I should wait till XX/XX/XXXX. I waited and called them back just for them to tell me they are still not done with the investigation. It is now XX/XX/XXXX and I have been calling them every day trying to get my money back from Chase. They have deliberately refused to give me my money back.
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 2018 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. Account isn't 49 days past due.
Product: Credit reporting or other personal consumer reports

This complaint is in response to many attempts to have EQUIFAX update my consumer report as it relates to my credit accounts dating back to at least XXXX. I have a right to have my consumer report reflect a 100 % accurately. There are at the very least 9 accounts that should be reflecting on my consumer report that isn't.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed i had a fraudulent account appearing on my consumer credit report. I do not recognize this fraudulent account as mine. I am a victim of a data breach and Identity Theft. Kindly block and Delete the Account Name : [ XXXX XXXX XXXX ] [ Account number : XXXX ] within 4 business days as required by FCRA 605B, 15 USC 1681c-2. Please Remove and Delete this fraudulent account from my Credit Report immediately. They are hurting my ability to obtain credit. Please find the attached FTC Report and other relevant documents.