23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX OWNS SPECIALIZED LOAN SERVICING SENT XX/XX/XXXX % STATEMENT FOR XXXX SAYING THEY PAID {$2000.00} PROPERTY TAX KNOWING IT IS NOT TRUE.THEY HAVE THE LETTER TO CFPB FROM SLS XX/XX/XXXX EXPLAINING THE REFUNDS THEY RECEIVED .THERE IS ANOTHER REFUND FROM XXXX XXXX SENT TO SLS AFTER THEY REQUESTED IT SLS RETURNED BACK TO XXXX  XXXX SEE THE LETTERS FROM TAX OFFICE .THEY HAVE SENT IT BACK OUT AGAIN .THE FACT IS THE TAX PAID XXXX XXXXXXXX OFFICE SHOWS IN THE LETTER IS {$1400.00} with refunds of {$700.00} sls admitted to CFPB XXXXThe loan file i have obtained shows a different amount % paid in XXXX AND I STILL DO NOT HAVE XXXX OR XXXX FROM SLS ALONG WITH THE FILE ACCOUNT INFORMATION SHEET JUST SENT SLS ( SAID ESCROW UNAPPLIED FUNDS OR BUYDOWN BALANCE TRANSFER AS A RESULT OF SERVICE RELEASED +REAPPLICATION OF PAYMENTS DUE TO INVESTOR TRANSFER+ CURLTAILMENT OF PRINCIPLE+ MISAPPLIED FUNDS+ REVERSALS + MISCELLANEOUS DIBURSEMENT ESCROW CORRECTION.SO MANY UNAPPLIED FUNDS AND REMARKS THAT SHOW REVERSALS ) AND NO ESCROW AT ALL AS OF XX/XX/XXXX WITH NEW TRANSFER YET THIS NEW LENDER IS STILL TRYING TO CHARGE WHEN THERE IS NO TAX IMPOUNDS AND THERE NEVER WAS WHAT SLS SAID ..I HAVE DETAILED IN THE ATTACHMENT WITH PROOF XXXX  XXXX XXXX... ALONG WITH THE CODE THEY HAVE ATTACHED TO THE PROPERTY CALLING IT A CONDO ... .ITS A FOURPLEX CONVENTIONAL LOAN FIXED RATE... THE SLS HAD IT LISTED IN MERS I JUST GOT THAT ... YET XXXX SAID NO GET AHOLD OF SLS ... .I DONT KNOW WHAT THEY HAVE DONE OR IF THERE IS A LENDER MY CLOSING STATEMENT SAYS CONVENTIONAL FIXED RATE 30 YEAR I WAS TOLD A BANK WOULD HAVE THIS LOAN CAUSED CHAOIS MISREPRESENTED WITH A CONTINUED EFFORT TO MISLEAD I CAN NOT KEEP UP WITH THE AMOUNT OF BAD FAITH MISREPRESENATION. 
SLS SENT BACK THE LA TAX REFUND KNOWING THEY DID NOT PAY WHAT THEY SAID THIS WILL MAKE THE FILE IT ALREADY IS ZERO WITH REFUNDS AND GETTING MONEY FROM ME ALONG WITH MY REFUNDS FROM XXXX  XXXX NOW XXXX IS TRYING TO START IT ALL OVER AGAIN ..THIS HAS TO STOP..I HAVE ALL OF THESE REMARKS SENT TO ME THAT I HAVE NEVER BEEN TOLD ABOUT ALTERING THE FIRST TRUST DEED .THIS IS FRAUD
Product: Credit card or prepaid card

On XX/XX/XXXX while on the phone with Bank of America customer service I was offered a bonus if I downgraded my Bank of America Alaska credit card rather then close it. I was told that if I downgraded to a Cash Reward visa card and spent {$1500.00} within the first 90 days from the account opening that I would receive a {$100.00} bonus. 90 days from XX/XX/XXXX would be exactly XX/XX/XXXX by a simple count of the calendar days. 

On XX/XX/XXXX a post to my account of {$120.00} from XXXX XXXX put me well over the required amount of {$1500.00}. At this point the bonus requirements were made and should have triggered the bonus to be paid out. It was not. On XX/XX/XXXX I spoke with a customer service representative over the phone who told me that the bonus had been met and would post 8-12 weeks after it was met. This should have been no later then some point in XXXX. 

After the bonus still was not posted I called again on XXXX XXXX and spoke to customer service agents on the phone. This time they refused to acknowledge that the bonus had or had not been met but instead referred it to review. On XX/XX/XXXX I received a letter in the mail from Bank of America stating that I did not meet the {$1500.00} in purchase requirements within 90 days in order to qualify to earn the statement credit of {$100.00}. No specific information was given. 

The information gathered by B of A was inaccurate. I called customer service on XX/XX/XXXX to verify that the downgrade took place on XX/XX/XXXX. I checked on line to confirm that the {$1500.00} in purchases was made on XX/XX/XXXX. B of A owes me a {$100.00} statement credit. All of the above information can be verified by simply listening to the recordings of the calls that were made.
Product: Debt collection

received a bill from AIC ( allied international credit corp ) saying that i owe XXXX  {$72.00}. i dont even shop at XXXX. please help. 

they want me to pay this bill and contact XXXX XXXX at XXXX to confirm which payment option i am going to use.
Product: Credit reporting or other personal consumer reports

This is my follow up to express my dissatisfaction and file a complaint regarding the recent attempt to remove fraudulent items from my account. I believe that the process undertaken to rectify the situation has been unsatisfactory and warrants further attention. I expected a swift and effective resolution, but the process has been marred by incomplete information. Additionally, I am concerned about the lack of transparency in the communication throughout this ordeal. Timely updates and clear information regarding the steps being taken to rectify the situation would have greatly alleviated my XXXX. Unfortunately, the information provided has been insufficient, leaving me in the dark about the progress of the investigation. I am requesting a thorough review of the handling of my case and a comprehensive explanation of the steps taken to address the fraudulent transactions. Furthermore, I insist on a detailed plan outlining how your institution intends to prevent such incidents in the future. I am asking for your assistance to remove these fraud items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Dear Staff, I am unable to keep my home that is secured by mortgage with Wells Fargo. I bought the home years ago, but lost same due to the down turn in the economy/financial industry in XX/XX/XXXX and for personal health reasons. Briefly, with the help of then President Obamas making home affordable, I was successful with a mortgage modification. I accept all conceivable excuses as to why the loan is in default. 

For the past six months plus, I have been working with Wells Fargo to remodify the mortgage once again, or commence with a deed in lieu or short sale of the home. During the re-modification process, I mentioned to Wells Fargo that I would move back to XXXX as nothing is holding me in XXXX. The re-modification attempt failed. Wells Fargo told me that their rules would not allow for re-modifications, thereafter, Wells Fargo changed their denial to you do not live in the property. Of course I asked why didnt Wells Fargo mention in place rules before commencement of re-modification. I mentioned to Wells Fargo that I was moving to XXXX. I took my time, effort and money to go to XXXX  to accomplish all tasked needed to move into the house. I then agreed to with Wells Fargo that I would short sale the property. I specifically asked how much time do I have to short sale the property and was told, on more than one occasion, there is no time limit on short sales. I thought that was odd, and mentioned to WF that I would quickly commence with a short sale. 

Two weeks ago, WF called me to tell me that they would not consider a short sale due to the fact that as of XX/XX/XXXX, your agency, CFPB, changed rules regarding mortgage foreclosures, and insisted that it was the consumers responsibility to have known that fact. I dont believe what Wells Fargo told me. I asked why didnt you, ( Wells Fargo ) tell me that a month ago about CFPBs ruling. 

I am convinced that Wells Fargo intentionally misled me during the process from re-modification to short sale efforts. It is very clear that Wells Fargo obfuscated every aspect of my efforts to avoid a foreclosure that would negatively impact my credit rating. 

Several times I have asked Wells Fargo its explain its arrangements/agreements with FDIC regarding failed mortgage loans as a result of bad/fraudulent loans funded by XXXX XXXX, XXXX XXXX, aka XXXX XXXX. Wells Fargo purchased these companies along with failed loan reimbursement rights sponsored by the FDIC. These agreements are not in the interest of mortgage consumers, but rather in the interest of banks like Wells Fargo.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX - XXXX - XXXX XXXX XX/XX/year> XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, VA XXXX Subject : Cease and Desist Request Account # XXXX Dear PXXXX XXXX Associates, Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I formally request that you cease all communication with me regarding account # XXXX. 

If you believe I owe this debt, provide : Proof of the original signed agreement Complete payment history Proof of your authority to collect Failure to validate this debt may result in complaints filed with regulatory agencies. Please confirm receipt and compliance within 30 days. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I received in the mail from NETSPEND XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX A bank card with my name, and a routing number XXXX and account number XXXX a bank name : XXXX XXXX. 

I had never contacting this bank and have no desire for a new bank card and account with a company I know nothing about and have no relationship with. 

Looking at the one page letter with this information and physical card, which has a XX/XX/year> expiration another account XXXX -different from the earlier bank account, suggesting this is an additional credit card account. 

This letter has no 'contact us to remove your name from our database ' or any way to confirm an account is actually no already in existence. That is to say, it is saying this account exists, going as far as to state " provide this rounting number and account number to your employer to set up direct deposit. '' To me this whole letter sets off a chain of concern about identify theft and what actions now I need to take to figure out if there are other accounts in my name -as well as how this NETSPEND/ XXXX XXXX  XXXX bank have my personal information and created a credit card in my name. For context, this year our mail was stolen, including a bank statement, and with just that statement, theives started direct withdrawals from our account having just our account number and routing number. We had to close our account, open a new one, and update all our direct payment services for water, garbage, energy, credit cards. This is to say having a routing number and account number to a bank account I have never establish arriving in the mail is a serious concern. Especially since I have no way to contact this company. All the paper has besides the po box address is a QR code to " Scan to Verify Your Identity '' This is to say, I am sure if I try to contact them other than by snail mail, they will have to 'verify my identiy ' to talk to anyone, and thereby inadvertently trick individuals to confirming I am a willing partner in their scam to establish a unsolicited account and credit card. 

Please take action against this company. While I am a savvy individual, I am sure other people are trying to contact this company to say they do not want to receive further communication and thereby from this company 's perspective via an 'identify verification ' setting up the account.
Product: Mortgage

We were not able to successfully apply for a loan with Citibank Mortgage. 

On XX/XX/XXXX we contacted Citibank in the interest of applying for a first time home buyer XXXX loan. We were assured that we qualified for a specific XXXX loan product. A Rate Lock document was issued on XXXX. A loan commitment letter was issued on XX/XX/XXXX for a different XXXX loan product at a higher interest rate. Upon inquiry, the mortgage loan officer explained that our income was above the limit ( even though he told us for the six weeks prior that we qualified for the program ) and was not interested in revisiting a possible flaw in how Citibank calculates income limits for freelancers/contractors/gig economy workers. The loan officer agreed that the loan commitment letter 's interest rate was above market rate. As a result, we cancelled the XXXX loan application and started a conventional loan application on XX/XX/XXXX. 

On XX/XX/XXXX, we asked our loan XXXX for a date when the the loan commitment letter would be issued because an extension was required on the loan commitment letter submission date per the contract. Citibank said XX/XX/XXXX. On XXXX we followed up with the loan officer about the XX/XX/XXXX contractual deadline and was assured letter would be issued by this date. On XXXX we checked in with the loan officer again and was informed that the letter would not be issued by XX/XX/XXXX because it is still in the underwriting queue. Nothing changed between XXXX and XXXX. We escalated to the loan officer 's manager and also notified our lawyer. 

The seller kindly extended the loan commitment letter deadline to XX/XX/XXXX. The loan commitment letter never arrived on XX/XX/XXXX, though the loan processor periodically notified us of the lack of progress. The loan application was cancelled on XX/XX/XXXX. 

The hardest part about this situation is working with liars and a non-functional online mortgage portal. Expectations were set that could not be met. Instead of guiding the customer through an evolving situation, especially during a pandemic, Citibank 's staff broke promises that put our first home purchase in jeopardy. Since they were not proactive and transparent about what was happening, we were not able to be proactive or transparent with the sellers. One quick note about the online mortgage portal : while we were able to upload required documents in the online portal, the loan application staff weren't able to access them so we sent all of our documents multiple times via secured messaging. This should have been a red flag about how difficult and frustrating would be to apply for home financing with Citibank.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>XXXX XXXX XXXX XXXX a transaction for {$490.00} each were used to pay an online merchant. The orders were cancelled the following days. The merchants then issued refunds but were never credited to my XXXX  account. 

On XX/XX/XXXX another transaction for {$830.00} was purchased using my XXXX  account. The transaction was returned to the merchant and a refund was issued. Again XXXX did not credit my account. 

Recent audit of my account lead to the discovery of these 3 transactions. When I reached out to XXXX I began to receive the run around. We sided with the merchant you were already issued it mind you no transaction reflects that. 

As for the XXXX transactions I was told its too late and to speak to the merchant. I called the merchant and they shared that the issued the refund to XXXX 

I have shared the emails from the merchants and have XXXX different answers from XXXX. I let them know I would report this but the ignore me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts. 

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

Repeatedly have tried to check my score with Experian online and every time I get an Ooops something went wrong screen. When I try to call the number provided on that screen I get a bot who tells me I am unable to be verified and then hangs up. Incredibly professional. 

The ooops is that these report agency are likely captured by the same bullying and arbitrary tactics that run almost all institutions and organizations and considering how many times Ive complained and nothing changes I imagine The CFPB also affected. 

With no credit opened since my bankruptcy discharge in XX/XX/year> my credit score should slowly creep upward rather than show drastic drop 4 months later. This is fraud and it affects peoples livelihood and as long as the person recieveing this complaint gets paid for their time doing so, nothing really changesbecause no one cares as long as it is happening to someone else. Too bad that means it will eventually happen to us all.
Product: Credit reporting or other personal consumer reports

These accounts were Investigated by XXXX and resulted in them Removing the fraudulent accounts listed below. Letters of Removal from XXXX are attached. 

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

XXXX/XXXX  Last reported XX/XX/2019 {$0.00} Reported balance Credit limit {$330.00} I have sent letter after letter to all 3 credit companies asking that this account be deleted off my credit report it has been paid in full
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a formal complaint and dispute letter notifying Experian of an inaccurate account showing on my credit file. Under FCRA section 609 Experian had 30 days to investigate and either verify and validate the account or remove it from my credit file. Experian has now exceeded and surpassed the designated time frame given under federal laws and FCRA guidelines. The account in question is as follows. ( XXXX XXXX XXXX )
Product: Debt collection

1. There were fraudulent charges made on this account 2. The contract related to this account has been cancelled Motion Remedy Claim for Damages In Re : Pub Res No. 10 Pub Law Ch. 48, 48 statute 112. Pub Law 73 10. HJR 192, 31 USC 3123, 5103, 5312, 18 USC 8, 12 USC 411, 28 USC 1746, 42 USC 408 a8 penalty.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in the light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Mortgage

I pay my mortgage in 2 payments every month. The payments are made by the XXXX of the month for the next month 's payment. For example, on XX/XX/XXXX I paid {$950.00} and XX/XX/XXXX I paid {$800.00} for a mortgage of {$1000.00}. I have been communicating back and forth with usbank about fees applied to my account for late fees. Most recently on a call on XX/XX/XXXX I was advised that if I pay in partial payments, even if I pay the full amount before the due date, I am responsible if usbank does not apply the funds correctly from the suspense account. I was quoted, " that is the risk you win into when applying two payments ''. I have reviewed the policies for Usbank and it shows I can make two payments. Is it legal for usbank to hold me responsible for their errors when applying payments from their suspense accounts?
Product: Mortgage

Going back to my original delinquency which was during the time Wells Fargo was denying loan modifications in error causing people to lose their home between XXXX to XXXX. When I was first delinquent Wells Fargo had my loan coded for XXXX benefits but because I had been XXXX about a year prior and my XXXX had not kicked in yet Wells Fargo kept my loan in the XXXX servicing area in an office in California. The people there were very nice but told me I need to get that code off so I can be reviewed for a standard modification. At the time I was only 90 to 120 days behind. 

Well this took Wells Fargo about 4 months to correct and of course by that time I was about 7 months past due and I had no choice but the attempt to apply to avoid foreclosure. This was to happen over and over for almost 5 years. 

One review claimed I had been approved for a loan modification and the investor ( which is a mortgage backed security ) only allowed one modification. I was never approved for a modification. 

Once I saw the current News stories of Wells Fargo making errors I immediately knew this is what has been happening to me. 

I now have a foreclosure sale date of XX/XX/XXXX and Wells Fargo is no longer even attempting to offer assistance. I tried deed in lieu and was approved but they claimed at the end of the review after I was approved it would be cheaper for Wells Fargo to foreclose than offer assistance. 

It has been a nightmare for the last 5 years. In the process the VA finally finished my XXXX claim and I am now a 100 % XXXX veteran who did several tours in XXXX with the XXXX XXXX and survived. But the struggle with Wells Fargo has been tougher and I am asking for help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Credit Card Services made an urgent request to Equifax and XXXX  Consumer Credit Bureaus in order to removed this account from my credit report since XX/XX/XXXX, I will attached the letter that was sent to Equifax and XXXX. This issue has not been resolve I have been calling Equifax and XXXX  since XX/XX/XXXX and they stated they have not received any letter or request
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 federal protected consumer right to privacy and confidentiality under 15 USC 1681. 

XXXX account # XXXX, XXXXAccount Name- CAPITAL ONE Account # XXXX ACCOUNT NAME : XXXX ACCOUNT # XXXX NAME : XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX ACCOUNT # XXXXACCOUNT NAME : XXXX XXXX XXXX ACCOUNT # XXXX XXXXACCOUNT NAME : XXXXXXXX XXXX XXXXXXXX ACCOUNT # : XXXXACCOUNT NAME : XXXXXXXX XXXX XXXXXXXX ACCOUNT # : XXXXACCOUNT NAME : XXXX XXXX ACCOUNT # : XXXXACCOUNT NAME : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ACCOUNT # : XXXXACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX ACCOUNT # : XXXXACCOUNT NAME : XXXX ACCOUNT # : XXXX ( Make sure you put the Account Name and Account # ) has violated my rights.

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

15 U.S.C. 1681 section 2 : It also states a consumer reporting agency can not furnish an account without 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 times of information. any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

My account was closed on XX/XX/XXXX after completing the Financial Relief Program with American Express. I was told my account was closed due to numerous returned payments. I do understand there were some returned payments, but I was hoping this would not affect the relationship with American Express and my business. 

I recently had my mother pass away which resulted in me having to travel back to New Jersey, creating a loss of revenue for my business as I was not able to complete jobs. Now, my financial situation has improved and fully completed the Financial Relief Program and paid in full. 

After contacting AMEX, they told me my account is closed with no possibility of reinstatement. 

I am hoping the account could be reopened and continue our relationship with American Express, a financial hardship should not ruin this relationship as I have been a member since XXXX.