23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I had filed the below complaint earlier today ... which was forwarded to Wells Fargo. A Wells Fargo representative called me this afternoon, and i mentioned i forgot to include the original letter i received from Wells Fargo Mortgage on the " Account Adjustment for overpaid interest during Covid-19 Deferral '' on my mortgage ending XXXX. The Wells Fargo employee suggested i do a new complaint and include the form and this will be forwarded to him. The employee is XXXX ( phone XXXX ). So in this submission i have listed the original complaint and uploaded the original letter from Wells Fargo Mortgage... stating that an interest rate change occurred during forbearance period resulting in overpaid interest during Covid 19 deferral. My complaint below is this overpayment of interest should also apply for my other mortgage loan ( LXXXX XXXX XXXX XXXX ) which was under Covid 19 Deferral for the same period..only difference i paid off this loan in XX/XX/2020. Here is the previous note i sent to CFPB : " I had two Mortgages with Wells Fargo Bank. The first Mortgage ( XXXX # : XXXX ) with a principal balance of {$720000.00} was paid off on XX/XX/2020. The 2nd Mortgage ( Loan # : XXXX ) with a balance of ~ {$280000.00} is still active. During the Covid period in 2020, i took Covid-19 Deferral for both mortgages for the exact same period ( due to Covid Deferral my mortgage payments were deferred ). In 2020 i received a letter from Wells Fargo saying on my mortgage that is still active ( Loan # : XXXX ) Wells Fargo Overcharged me for Deferred Interest ( something to do with interest rate change occurrence ) and gave me a refund/interest rate adjustment of {$3900.00} and a check for {$370.00} for a total of {$4300.00}. I then contacted Wells Fargo and said this interest rate change occurrence also applied to the other mortgage which i paid off in ( Loan # XXXX ). This loan had a principal balance of {$720000.00} and then Wells Fargo made me pay {$740000.00} or + {$15000.00} due to interest and " other charges ''. I believe this includes Deferred interest due to Covid 19, and this interest calculation is incorrect ( made the same mistake as my current loan ). I wrote to Wells Fargo 3 times on this, and they have not responded. Since the mortgage is paid off they do not want to open a can of worms because if this mistake applies to all loans with Covid 19 Deferral that were paid off Wells Fargo will have a big liability on their hands. I would greatly appreciate your assistance in looking into the interest calculation for both loans ... and check if the mistake made on the loan where they gave me a refund applies to the larger loan. The dollars are very material for me. Thank you ''
Product: Debt collection

I have received numerous calls from the agency for a person I do not know. On XXXX/XXXX/2016, I received a call asking for an XXXX, i informed the rep she had the wrong number, and i was advised she would remove my number. Again on XXXX/XXXX/2016, I received another call asking for the same person, again told them to stop calling me. They were also using an auto dialer to call my cell phone, which i told them they did not have permission to do, and again to stop calling my number. Then on XX/XX/XXXX, i have received two calls. Once at XXXX, and again at XXXX. Again they are using an auto dialer to call my cell phone, after being told not to, and i again have asked them to stop. When calling to ask them for their address so i can mail them a cease and desist letter, the first rep refused to give me to me, transferred me to a supervisor, which i had to wait 5 mins to talk to.
Product: Student loan

Navient has not supplied a recent paper copy of a detailed monthly summary of my account XXXX daily interest accrued, payments made, outstanding principal ). 

They also do not have an option for borrowers to message customer service and keep a record of the messages exchanged. All inquiries must be made over the phone, leaving no record of what was discussed.
Product: Mortgage

Hi Following a visit to our local Bank of America and discussing with a bank sales person, We were offered to refinance our Heloc at no cost with a better rate. We sign the new heloc document on the XX/XX/23. 
We noticed a discrepancy with the new balance that was higher than the previous .There is a differential of {$840.00} added to our balance. 
Luckily we have a screenshot of our balance before signing the new heloc. There is no online history of our previous XXXX. 
On XX/XX/XXXX after previously reaching out to the bank, I received a payoff statement with the total interest with no initial date or end date for the interest. It was the first time that were were made aware of it. At any point of time the bank mention additional interest adding to the balance until the new heloc started. 
We are pretty frustrated by this practice, if we had being made aware of this particular fact our decision will have being different. 

Thank You XXXX And XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is ( XXXX XXXX ) and I am a consumer/natural man submitting this complaint on the behalf of myself without any influence of any third party being involved. Fraud has been committed on my consumer report by Transunion, and I did not consent, nor authorized these transactions on my report. Unauthorized inquiries has been furnished on my consumer report which is a direct violation of 15 U.S.C 1681b ( c ) ( A ) ( B ) ( i ) ( 3 ) under the FCRA. This is also a violation of my right to privacy in accordance with 15 U.S.C 1681 ( a ) ( 4 ). Its your duty to accurately report information and as of now youre not doing that and its impairing the efficiency of the banking system and causing harm to I the consumer and my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

my mother while I was in the military starting from XX/XX/18 took out 2 credit cards in my name using my social security number. I was unaware of these cards until the banks said that the accounts were closed due to inactivity and no payments were being made on the cards. the amounts were around XXXX on each card which but I am unable to look at the amounts since both accounts are closed now and the debt is still in my name. And now is on my credit report. the company were bank of America and XXXX card.
Product: Checking or savings account

This complaint involves the Key Bank organization.Specifically the collections department and an employee Supervisor by the name of XXXX. The circumstances are of a very cruel and vindictive nature. The origin of our calamity begins with the XXXX of our XXXX. My wife discovered our XXXX and now is no longer employed due to full blown XXXX.She applied for Social Security Disability and was awarded SSDI. It took many months and had an award date to accompany a direct deposit into our Key bank checking account. This deposit was for XX/XX/2018. On the XX/XX/XXXX my wife and I contacted Key bank to make sure everything was in order. We were assured everything was in order.On the day of the XXXX we were not able to obtain the funds from the ATM.Call to the customer service # for the Key Bank organization stated that the money was deposited. We then proceeded to speak with customer service of which we were told that our checking account had been closed in XXXX due to a XXXX overdraft fee and no activity for a certain amount of time. We then asked why was the money deposited into a closed checking account and why were we not informed on the XX/XX/2018 that the checking account was closed. Additionally we informed the customer service representative that the money came from Social Security and those funds are not applicable to collection or confiscation. We then requested to speak to the Supervisor. Her name is XXXX in the collections department. She informed us that the money would be sent back to Social Security of which should had taken place in the 1st place. All this communication took place on the XX/XX/2018. Furthermore I would like to add that neither myself or my wife are working and are in severe mourning and grief along with being severely financially strained. Well after 3 weeks we wondered where the funds were so we contacted Social Security and they stated that no money was returned. We were livid. So we then contacted the Key Bank organization.Specifically XXXX. She informed us that there was a technical issue and that was the reason for the money being witheld. To this date we still do not have our Social Security funds. Key bank did this purposefully.
Product: Credit reporting, credit repair services, or other personal consumer reports

CRA is in direct violation of several consumer protection laws.
Product: Checking or savings account

I was informed by Wells Fargo on XX/XX/XXXX that a fraudulent wire transfer was being returned. They listed the amount that was being returned. I called several times on XX/XX/XXXX to confirm that this amount was being refunded as I was only seeing a credit of a partial amount. It was affirmed to me by 3 people who saw the same email notification I received in Customer Service Online that I would indeed receive the full amount reflected in the Notification. I also then spoke with someone in the Online Fraud department who separately confirmed to me that what I was seeing was only a PARTIAL refund but that I would be receiving the full amount within 2 business days. 

I called again on XX/XX/XXXX to confirm this with somebody in the online Fraud department and they gave me a radically different response : 'that Wells Fargo was only able to recover a portion of the funds from the Recipient bank '. 

I can't get a straight answer and have it in writing that Wells Fargo is returning {$24000.00}
Product: Credit reporting or other personal consumer reports

After 2 very long calls and a chat session, Transunion has confirmed that they've lost/deleted my entire Transunion Credit Report. I am XXXX XXXX XXXX ( XXXX in a few weeks ) so it's a lot of information. This is causing a huge problem in trying to qualify for certain loans and financing and their representatives on the phone have told me they have no idea how to fix something like this. 

The last copy of a Transunion report I have is from XXXX  but it at least shows that at one point they had my information and they were making it public. 

I'm just trying to find out how I can get this fixed. Thank you for any help you can provide. 

In the upcoming steps you've asked for my identifying info so you can verify my identity with Transunion and file the complaint. You won't be able to do that because when they try to find me they get an error that says " credit report doesn't exist ''.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX  Account Number : XXXX Account Name XXXX XXXX XXXX  Account Number : XXXX and list of Inquiries. 


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 reporting, credit repair services, or other personal consumer reports

My XXXX Visa credit card account should not have a balance of {$3900.00}. Thats a incorrect balance. I should have a recent balance of {$0.00}. Please delete and permanently block the balance reported on my XXXX Visa credit card account.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XXXX -- 2022 I DID NOT GIVE XXXX XXXX XXXXXXXX PERMISSION TO OBTAIN MY CREDIT REPORT 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
Product: Debt collection

southwest credit system LPDescription of Complaint : Although this account was in dispute I made an attempt to pay the original lender and have this account removed from my credit report, they referred me back to the collection agency and said its up to them. After contacting Southwest credit sys a collection agency that report to all credit angency. I was told by XXXX XXXX XXXX and other employees of Southweast credit sys that they could not delete this account from my credit report because of company policy and federal laws although I paid the account in full on XX/XX/2015. I have disputed this account from the very beginning and I have not yet as of today received a certified letter from either company concerning this account. I do n't believe what their saying is true. In dealing with another collection angency they had no problems deleting the account after receiving a letter from me requesting it. Mine you both companies are dealing with me in the state of Texas. I 'm looking for help in this situation please. I feel this type of practice is unfair to the consumers. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX ) - ( XXXX ) XXXX
Product: Credit card

I discovered my ex husband had stolen my identity and with out my consent or knowledge had me on numerous credit cards ( some of these cards were taken out after the divorce and any cards from before the divorce XX/XX/year> are ordered to be closed ). All of the credit card companies except for Citi bank removed me from the fraudulently obtained cards after providing them with a police report. I have called, emailed, and written physical letters to Citi and they will not remove me from the card he has me on as an authorized user. I have disputed it with XXXX and they will not remove it because Citi will not remove me only he can remove me. I have sent them the police report and explained repeatedly that this was done with out my knowledge or permission and the cards need to be closed. CITICARDS CBNA Account XXXX is one of the cards. I do not have nor authorize myself to be on any Citi Bank Cards, this is not an instituion that I use nor want to use. Please help me get removed from the Citi Bank cards my name is XXXX XXXX but he sometimes uses my married name, XXXX XXXX, and social.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CARD 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 have 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 an account without my written instructions.
Product: Bank account or service

Capital One Bank is presently advertising this special savings account : XXXXWhen I contacted them to open this account, they refused to extend the offer to me, saying that I had an account there once before ( which I closed in good standing XXXX years ago, in 2007 ). I have excellent credit. There is no reason for them to refuse to let me open this account now. What do you think?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous personal information reporting on my Credit Report : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX  Date Updated : XX/XX/XXXX
Product: Checking or savings account

Over the last two days I've had two large payments taken from my account. Each for {$150.00} totaling to {$300.00}. I tried contacting cash app support with no luck and did two disputes and they refused them. Says they found no error. But I see a huge error. My XXXX dollars being stolen is a pretty big error to me!!!
Product: Mortgage

I applied to my mortgage servicer, Ocwen Loan Servicing LLC, for a loan modification XX/XX/XXXX as was laid off XX/XX/XXXX. Ocwen would not consider this until I was officially behind in my loan payments. After four attempts, the loan was modified XX/XX/XXXX, with a XXXX trial payment due XXXX XXXX. I was told NOT to make any loan payments until the trial period started. This resulted in Ocwen reporting me as 90 days late on my mortgage. This is in addition to the 60-day lates that were mandatory for me to be considered for a modification. Now I am unable to sell the home and purchase a much cheaper XXXX, as the late payments have ruined my XXXX score and made me ineligible for any type of new mortgage. My request is that Ocwen contact all major credit bureaus and remove all of my late payments for the last 12 months. I suspect it was illegal for Ocwen to insist that I let my loan go into arrears to qualify for a loan modification, and now I am trapped in a home I can not afford, even though I have opportunies to sell and pay off Ocwen 100 %.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and 37.8K financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint ID : XXXX was recently closed. I have exhausted my efforts to protect my rights, but I seem to be the only XXXX. XXXX has had plenty of time to fix the errors on my account. Having the wrong names such as XXXX XXXX XXXX, and having wrong information regarding employment " XXXX XXXX. '' This is absurd that they can just correct the names and leave the accounts I provided. CFPB must be working for XXXX! 
I kindly asked that these accounts be removed, and you clearly see that the mistakes are still under all three credit companies, but you let them just close it and leave me with the accounts! Wake up and take another look!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  Balance {$2800.00} Date Opened XX/XX/XXXX THIS IS NOT MY ACCOUNT " Validate Account '' XXXX XXXX XXXX Balance {$85.00} Date Opened XXXX XXXX, XXXX THIS IS NOT MY ACCOUNT " Validate Account '' XXXX XXXX XXXX XXXX {$9000.00} Date Opened XX/XX/XXXX THIS IS NOT MY ACCOUNT " Validate Account ''
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please CORRECT the item, or inaccurate information, from my file immediately & send me the results to the address. 
XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of ITEMS below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told Experian, XXXX, and XXXX to reinvestigate these iTEMS : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$15000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XX/XX/2022 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX BL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$170.00} XXXX XXXXXXXX Balance : {$2200.00XXXX XXXX XXXXXXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX However, they stated that everything was completed and accurate. But how is that possible if the open date, date of last activity, and much more are incorrect? According to 15 USC 1681i ( 5 ), they are supposed to modify what isnt reporting correctly.

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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.