23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

This is regarding my Wells Fargo XXXX Credit Card. I have been a Wells Fargo bank customer since XXXX. My XXXX Credit Card was suddenly closed in XXXX XXXX. 

For context, I am based out of XXXX XXXX. However, I had a family emergency in XXXX  XXXX Missouri and to travel there. I made 2 small purchases in XXXX  XXXX and suddenly one night I was notified via my XXXX XXXX that my 2 credit card accounts with Wells Fargo were closed simultaneously. 

I have a perfect on-time payment history with Wells Fargo Credit Cards . 

I had a case opened to look into why the XXXX  card was closed but the case manager said they could not legally disclose why the account was closed. They just said the account was 'high risk ' with no follow-up to a reason. 

I want to emphasize that this card had a {$20000.00} credit limit and not being disclosed or warned that my account was at 'risk ' is highly unethical as a business practice, especially for some common courtesy for a customer of over a decade. 

Another issue that I faced with this account was that in XXXX to XXXX, there were {$1300.00} that were supposed to be resolved in my favor. However, they took over 60 days to get back to me regarding g these disputes or instantly denied and closed them. For the disputes that took over 60 days to hear back, Wells Fargo would not let me reopen these disputes due to it being 'over their timeline '. I raised this issue to their executive office and the case manager was to no help and rather just protecting themselves with no regard for me as a Wells Fargo customer. Wells Fargo also aggressively called me on the phone and attempted to make me say certain words to instantly deny and close my disputes, which is highly unethical especially when the customer service purposely tried to misinterrupt my statements made. 

The following denied disputes are included below with merchant and amount : Merchant : XXXX 's XXXX XXXX Amount : {$32.00} Merchant : XXXX XXXX Amount : XXXX Merchant : XXXX XXXX  XXXX : Amount : {$44.00} Merchant : XXXX  Amount : {$31.00} Merchant : XXXX XXXX Amount : {$46.00} Merchant : XXXX Amount : {$130.00} Merchant : XXXX  Amount : {$33.00} Merchant : XXXX XXXX Amount : XXXX Merchant : XXXX XXXX XXXX Amount : {$27.00} Merchant : XXXX XXXX Amount : {$39.00} Merchant : XXXX XXXX XXXX  Amount : {$17.00} Merchant : XXXX XXXX Amount : {$12.00} Merchant : XXXX XXXX XXXX Amount : {$16.00} Merchant : XXXX XXXX XXXX Amount : {$350.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried a few times to have equifax accurately show that my auto loan from XXXX bank and trust is an open account and in good standing. There hasnt been a late payment on this account in several years. I have tried to have this fixed. In my dispute results, under date closed, there isnt anything, but its still showing as a closed account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am uploading additional information pertaining to a previous problem I had with information on my credit reports that were showing a bankruptcy. The upload letter is from the bank stating there was no bankruptcy and that Information is to be deleted. However I still have an issue with this credit union because I did not have 2 loans with them. All loans were combined previous loans were paid off in full. This letter states there are 2 separate loans that is completely incorrect. I only had one loan with them that is supposed to be deleted off my credit reports.
Product: Credit card or prepaid card

On XX/XX/2022, I found a TDBANKUSA/TARGET fraudulent credit card with a balance of {$7700.00} on my credit karma. I placed an online dispute as I am a victim of identity fraud and never applied/ opened for one. According to my XXXX, this credit card was opened on XX/XX/2022. I was never sent the letter with the physical card, so was not aware of this fraudulent activity until the credit card was used/ shown updated with the {$7700.00} balance on XX/XX/2022. 

On XX/XX/2022, I called Target Fraud Department in the morning to report this credit card as fraudulent. Their representative XXXX informed me they reviewed my dispute claim and denied it. According to XXXX, the company reviewed my claim and I should've received a letter regarding this update as the company sent out a letter on the XXXX of XXXX. I told her I never received one in the mail and she reassured me the letter should be arriving soon. I asked for clarification - asking if the denied dispute claim meant I was liable for this fraudulent account. XXXX replied " yes, you are liable. '' I further inquired what steps were taken to come to this conclusion for them to deny the claim. And restated that I wasn't the one who opened the account. She said I will know more about that when I receive the letter. She suggested I could submit an appeal and gave me the address. 

Later on that day on the XXXX, I went to my local police office to file an Identity Theft police report along with an FTC report in regards to this issue.
Product: Money transfer, virtual currency, or money service

I am waiting to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution ( XXXX XXXX ) and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transaction was unfeasible. The CFPBs findings that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams is unacceptable.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. 

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiries 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX/Equifax after I purchased a credit report with XXXX  on XX/XX/2022. After receiving a copy of my report, I saw there's still an UNVERIFIABLE item on my personal profile I sent a letter to the 3 credit bureaus on XX/XX/2022. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT and hoping that these accounts ' late payments must be verified : 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

EQUIFAX IS PROHIBITING MY ACESS TO ONLINE MONITORING SERVICE IN RETALIATION FOR THREATENING LAWSUITS.
Product: Mortgage

My bank, XXXX, makes my mortgage payment every month and mails a check to the XXXX XXXX XXXX Mr. Cooper. 

Mr. Cooper did not process my payments for XXXX/XXXX/2020 or XXXX/XXXX/2020 and did not contact me until XXXX/XXXX/2020 about unpaid mortgages. 

I immediately reached out to XXXX and confirmed the checks and check numbers which were mailed to Mr. Cooper and which they did not process. 

I have since paid the past due amounts online and will be doing so in the future because Mr. Cooper can not be trusted to make my payments from the checks which were mailed from my bank.
Product: Mortgage

I have filled out a lost mitigation application numerous times since XXXX of 2021 when I was ready to re start payments on my home after forbearance period. Every time I send in information Im told Im missing something or my information is outdated. I call weekly to find out information or what is needed and always get a different answer. Finally I receive a letter via mail that my application is complete allow 30 to 45 days for approval. When I called back my house was in foreclosure so yo missing paper work but I have a letter stating my application was complete confusing and frustrating none the least. I have spoke. With supervisors multiple times but nobody has been able to process my application correctly. Just need assistance so I can continue paying my mortgage and not lose my home. Please
Product: Money transfer, virtual currency, or money service

I attempted to use my main bank ( PNC ) to use a budgeting, and payday loan app called XXXX. When doing so, it was made apparent to me the PNC no longer supports this type of app. This happened on XX/XX/20. This makes it so I am ineligible for this type of app or service, due to PNC blocking my ability.
Product: Mortgage

I refinanced my 9 unit building and the escrow was closed on XX/XX/XXXX. The existing lender ( XXXX XXXX, CA ) wired the principal to the previous lender ( Union Bank ). The mortgage payment was set on " AUTO PAY '' with the Union Bank and they were not to withdraw the money for the Month of XXXX. Auto Pay is due on the XXXX of the month. Union Bank withdrew the mortgage on XX/XX/XXXX. 
I called Union Bank on XX/XX/XXXX @ XXXX ; XXXX and left message to reverse the withdrawal. I also called the local Union Bank representative ( XXXX ) and left message as to what had happened and need his help to resolve the matter. XXXX returned my call and told me to see how he can help? 
SINCE THEN I HAVE NOT HEARD FROM THE UNION BANK. 
My new payment is due on XX/XX/XXXX and I am out of {$4500.00}. I need help so that I can pay my bills on time. Have the UNION Bank reverse the charges ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a debt from XXXX in the amount of {$2400.00} that I have to keep disputing and requesting validation on for the the past year or so. In XX/XX/2020 XXXX sold this debt to a company named XXXX XXXX ; who failed to validate the debt and was deleted from my report. Then XXXX decided to sell the {$2400.00} debt to XXXX XXXX XXXX in XX/XX/2020 ; and in turn they failed to validate the debt and was deleted from my reports the 2nd time. Now going on the third attempt ; XXXX has decided to sell this {$2400.00} debt to XXXX XXXX XXXX company in XXXX, NC. I have sent out a certified letter to this new company to validate this debt XXXX debt for {$2400.00}. 

I am tired of XXXX keep going from different collection companies ; trying to collect a debt they failed to validate twice already. I have asked them several times to provide the following items below for validation : An explanation of what this alleged account balance is for. 
A calculation of this balance ; including the complete payment history on this account, so I have proof that the amount is correct. 
Documentation showing, I agreed to pay this debt The Agreement that grants authority to collect on this alleged debt. 
A copy of your state license, including license number. 

XXXX has violated my consumer rights and failed to validate this debt at my request ; which is an FDCPA violation and they continued to report a disputed debt which is an FCRA violation. The FCRA requires the company and bureaus to verify the validity of this debt within 30 days. If the validity can not be confirmed, they are obligated by law to remove it from my credit file. Since they have failed so many times I am asking that they cease sending me collection letters from several different companies trying to collect a debt that does not belong to me and I have provided documentation stating this does not belong to me.
Product: Debt collection

I pulled my Credit profile and found that there are some inaccuracies, invalidated and unverified information. I am writing to formally dispute and request validation of the information being reported by MoneyLion to the three major credit reporting agenciesXXXX XXXX, and XXXXregarding the following account : Account Details as Reported : XXXX Account # : XXXX XXXX  Account # : XXXX XXXX Account XXXX : XXXX As a consumer, I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ) to request that you validate the debt and verify its accuracy. The information currently reported appears inaccurate, incomplete, or unverifiable, and I request an immediate investigation into its validity.
Product: Debt collection

There are several addresses on my credit report XXXX XXXX XXXX XXXX XXXX ga XXXX, XXXX amazing XXXX XXXX XXXX, Fl XXXX, XXXX bank XXXX {$900.00}, XXXX  XXXX {$780.00}, XXXX XXXXXXXX {$1300.00}, XXXX XXXX XXXX {$900.00}, this is information is not mine and I want them off of my credit. i never applied for any of these cards and i never lived at any of these addresses.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX of 2020 I contacted Yamaha Motor Finance Corp USA to inquire if they could extend me any payment deferrals on my account due to the COVID-19 impact on my employment. The customer Service Rep. verbally granted me a XXXX day extension. 
A few months later I discovered that Yamaha had been reporting me late to all 3 credit Bureaus. At that point I contacted Yamaha again asking what was going on. They replied that the customer service rep failed to inform me that I needed to sign and submit a XXXX XXXX XXXX XXXX, which by the way I never received in the mail, for the XXXX day extension to be valid. They said if I signed one at that time they would be able to apply it towards the missed payments and remove the late status from the credit Bureaus. I signed and forwarded the form to them and after that I have spoken to several Yamaha Customer Service Managers which are extremely difficult to get in touch with as they refuse to provide a direct phone Line, email address or direct contact to the credit department. Bottom line I have exhausted all efforts to get them to correct their mistake that impacts my credit score and even though I continue to pay my Bill every month they keep moving that modification forward instead of applying it back to XX/XX/. Beware of that company. It is also interesting that they have a Loan Servicing company that apparently are the only people the consumer can talk too and when it comes to the Credit Bureaus all three of them have a completely different address for Yamaha Motor Finance for contact and when you try them they send you back to the Servicer company so the run around never ends.
Product: Mortgage

Hello CFPB team, please look into this situation with mortgage rate through Quicken Loans # 1 lender in America. On XXXX/XXXX/16 I filled out on line form and received a call from a Mortgage Banker XXXX XXXX XXXX # XXXX. I told the person that was referred by a coworker that just completed a refinance through Quicken and was able to low his mortgage payment. The loan representative told me that the lower rate available is 3.25 % today. She collected some basic information and asked permission to run my credit. I gave the persmission because I was under the impression that I am getting a lower rate, what I was quoted by her at 3.25 %!! After a few minutes into a phone call she told me that there is some savings for me to do this refinance and gave me a dollar amount for the payment. The payment was {$80.00} less then what I am currently paying. I told her I want to start the process. However, in a sudden XXXX indicated that it is going to cost me {$8000.00} to get this rate, but it is the lowest rate available!! Really?! Is it still required under Reg. Z to provide consumer with APR once rate is quoted? Why credit was ran and personal information was collected to mislead me from the start that the quoted rate is available at no cost if no APR was provided?? How many people fall into this trap with the # 1 lender in a country that 's running their adds on TV, radio and all over the internet. My question is : " Will the Quicken Loans Company going to be held accountable for this? Is Senior Management going to provide resources to train their mortgage bankers to provide the benefits for consumers and not just generate more business for the company? Or trap more homeowners to do something that has ZERO benefits? The call was recorded. I wish Quicken to honor what they stated over the phone to me. Thank you for looking into this & hopefully less homeowners will be in such terrible situation. I felt very bad after this call.. plus I keep getting emails from Quicken to my Inbox with more attractive deals.. Are they REAL?!
Product: Debt collection

I have sent validation letters so they can verified account. I have not received any information on this account.
Product: Student loan

I have been paying for a private since 2007. I was enrolled in XXXX XXXX XXXX. XXXX fraudulently applied for this private loan. I have contacted Navient and they state this loan information is correct. I asked for original loan documents and they stated they do not have to provide this information.
Product: Credit card or prepaid card

i called chase XXXX XXXX to ensure balance was paid off at XXXX early XX/XX/XXXX. they somehow also took XXXX out of my bank acct mid XX/XX/XXXX. this month they charged me interest when in fact they told me everything was squared away when i called after paying off the balance owed.
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other account that need to be UPDATED. The 3 credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed account get corrected. 
XXXX XXXX XXXX  XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I submitted a request for an investigation into my credit report because there are so many accounts listed fraudulently. I have never dealt with these companies there are no contracts bearing my wet ink signature. I want a manual investigation do not send me an automated response, do your job according to 15 USC 1681i disputing procedures you are not allowed to continue to furnish information that can not be verified. If you can not provide me with any evidence I want these items immediately deleted unless you can provide sufficient proof that these accounts belong to me. As A victim of fraud I want to be the first to say it has cause extreme hardship in my life but now I am getting things back in order starting with investigating these accounts and their validity. You are held to a higher standard regarding the information you furnish. These are the accounts that I want investigated because they are fraudulent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$7200.00} I have contacted the FTC and filed an identity theft report as well. I included a copy of the complaint along with my ID and SS.
Product: Checking or savings account

I went to use my debit card for dinner on Thursday XX/XX/year> ( after using my debit card earlier that day ) and it was declined. The reason for the decline ( as told by the pop-up from US bank ) stated I had an incorrect expiration date. I called the number that I was given and I was informed over the phone that my account was in process of being closed and I could not access any of my money. I asked why my account was being closed and they could not tell me. I was instructed to go to a branch and speak to them. I went to the branch and I was told they have the right to close my account, I still could not be told why my account was being closed and why I could not get my money out of the account, and that I would get a letter in the mail. It has been a week and I still have not gotten a letter and I called the bank again and still do not know why my account is being closed. This morning I was told they will continue to accept deposits ( if my work could not stop my direct deposit as I requested ) but that I would not be able to get that money out. There is not anyone at the bank that I can talk to for the reason this is all happening or when I will get my money. I do not even have any checks. Everything is done via direct deposit, debit card, XXXX XXXX XXXX XXXX. There is no reason for this to have happened.
Product: Mortgage

It all started with a 47,000 heloc through XXXX XXXX XXXX XXXX that went in to foreclosure after I lost my husband in XX/XX/XXXX the loan was sold at XXXX XXXX XXXX trustee department for 112,000 the people who bought the second loan came to my home and said that they j ust purchased my home I asked if they bought the first also that was with XXXX at the time and they did not in XX/XX/XXXX I was evicted by XXXX XXXX still nothing more about my First mortgage in XXXX of XXXX I started getting foreclosure notifications from Shellpoint mortgage company I talked with them everywhere day the person who.bought the second heloc called a told me that I best sign the first mortgage over to him asap I did no such of a thing on XX/XX/XXXX XXXX or so I was talking to Shellpoint and they informed me that they received a third-party affidavit and said it was signed by me I replied that I would never sign something like that for XXXX XXXX XXXX XXXX XXXX I received a copy of the paperwork and someone forged my name and Social security number not once but twice and Shellpoint mortgage company acept it and let thing go threw with fraudulent paperwork I tried everything to get something done with this issue I filled a police report just in time for covid to start and my put way back in the trash can because nothing was done I even went to the police station and called nothing not right my name ad Social security was forged forgery is a crime and I want justice
Product: Debt collection

On XX/XX/XXXX a correspondence was sent via mail as well as an additional follow up on XX/XX/XXXX that was also sent via mail to Common Wealth Financial Services after receiving an alert on my credit report in regards to an alleged account ( # XXXX ) a medical account that was originally established between XXXX HOSPITAL on/or about XX/XX/XXXX. By it being a medical account I requested verifiable proof of them having original contract between myself and their company with my wet-ink autograph ; the contract with myself and XXXX  HOSPITAL signing giving permission to disclose such private info. Their response clearly violated my rights according to the HIPPA act of 1996.  XXXX  HOSPITAL did NOT provide me a HIPPA release before releasing my medical information to Commonwealth Financial. Therefore by providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action against Commonwealth Financial as prescribed by the Fair Credit Reporting Act should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation as well.