23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

AMEX at XXXX XXXX XXXX XXXX XXXX, TX XXXX has been reporting inaccurate information on my credit report. I don't know this company nor have I done any business with this company. This company does not have a contact with my signature.
Product: Mortgage

This complaint is for Wells Fargo Bank only to respond to and not for XXXX XXXX XXXX or any other company that is affiliated with XXXX Loan Trust XXXX! 
On XXXX XXXX XXXX, I received a letter from Wells Fargo Corporate Trust Services dated XXXX XXXX XXXX. The third paragraph states ; after researching this matter further, we have verified that Wells Fargo Bank is not the investor nor does it have a direct role in servicing your current loan. Wells Fargo further stated that Wells Fargo Bank N.A acts as the master servicer for the securitization which holds your current loan. In securitizations for which we act as master servicer, the servicer works directly with the home owner. Now ; the definition of master servicer is ; an entity that acts on behalf of a trustee for security holder 's benefit in collecting funds from a borrower, advancing funds in the event of delinquencies and in the event of default taking the property through foreclosure. Now ; since Wells Fargo Bank acts on behalf of a trustee and is the master servicer for our loan which is located in XXXX Loan Trust XXXX, then Wells Fargo Bank would be able to answer the following questions. 
First, who was the investor that received the trust certificate when placing our residential mortgage loan into this pool of trust XXXX XXXX XXXX XXXX XXXX XXXX? 
Second, what date did the investor place this asset into the pool of trust XXXX XXXX XXXX XXXX XXXX? 
Third, who is the current investor of our note/trust certificate holder? Do not say that the trust owns our note ; I know that there is an investor and a trust certificate that was issued by the trustee at the time that the asset was placed into the pool of trust! 
Fourth ; Wells Fargo Bank sent us a letter dated XXXX XXXX XXXX which states ; Wells Fargo is the investor of the loan. On XXXX XXXX XXXX, Wells Fargo Bank believed that they were the current investor of our loan as they did on XXXX XXXX XXXX per the documents that they provided. Did Wells Fargo Bank participate in foreclosing on our loan/property on XXXX XXXX XXXX? 
Fifth ; if Wells Fargo Bank did not participate with the foreclosure process, then which company did initiate the foreclosure process on XXXX XXXX XXXX? 
Sixth ; is Wells Fargo Bank aware that fraud and robo-signing has occurred within our note/residential backed securities which is located inside XXXX XXXX? 
XXXX ; please answer all questions and provide documentation for each question asked! 
Wells Fargo Bank must comply with our requests or face more complaints against Wells Fargo Bank with federal agencies, along with the media, social media and internet!
Product: Student loan

The school, XXXX and XXXX XXXX, which is no longer in business, told us the only option was a Parent Plus Loan for my daughter to attend. She was a XXXX single mom. The loan has been in forbearance since it originated on XXXX.2008. The original loan was for {$13000.00}. The details are showing the Unpaid Principal is {$25000.00}. How is this possible? The Unpaid Interest is listed as {$4900.00}. There are no customer service representatives that can explain the details of the loan. I have requested original documents, and I'm told they can't access the documents as XXXX and XXXX XXXX is no longer in business.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a validation of debt from JPMCB Card. As you'll see in the attached photo in the account info section JPMCB stated and published that I opened the account on XX/XX/XXXX, but their records show the account was opened in XX/XX/XXXX. If in fact this is the case, I'm requesting any and all late fess, penalty fees, and any other fees charged to or in association with this account that occurred on or before XX/XX/XXXX be refunded to me immediately.
Product: Vehicle loan or lease

My loan with One Main Financial was paid off on XXXX XXXX, 2022. I never received a pay off quote from them per my request to confirm the amount paid to them by the insurance company was correct. on XXXX XXXX they took a payment from my XXXX XXXX account in the amount of {$230.00}. I'm looking to get a refund for the payment taken from me after the pay off and a copy of the pay off quote used to process my pay off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have carefully reviewed my credit report in Transunion. I have been turned down for a credit due to misreporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. The accounts below should be corrected : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

As a consumer after reviewing my credit report from EXPERIAN, XXXX and XXXX I have discovered that it is fraud accounts, addresses, inquiries and more on my credit.
Product: Credit reporting or other personal consumer reports

I am writing to formally refile a complaint regarding serious inaccuracies present in my EXPERIAN credit report, which I attempted to rectify through your dispute resolution process. Unfortunately, the outcome has left me dissatisfied as the reported accounts were not adequately verified, and the inaccurate information persists. Background : I discovered discrepancies in my EXPERIAN credit report, specifically related to payment status, payment history, date opened, and dates of late payments. In an effort to rectify these inaccuracies, I promptly submitted a dispute letter via mail, outlining the discrepancies and requesting a thorough investigation. Unsatisfactory Results : Regrettably, the results of the investigation were far from satisfactory. Despite my efforts, the accounts in question were not verified, and the inaccurate information continues to be reported. This has a significant impact on my creditworthiness and financial standing. Violation of FCRA : It has come to my attention that my rights under the Fair Credit Reporting Act ( FCRA ), specifically outlined in 15 U.S.C. Section 602, have been violated. Section 602 emphasizes the importance of accuracy and fairness in credit reporting, mandating consumer reporting agencies to follow reasonable procedures to ensure maximum accuracy.

Right to Privacy : Additionally, I would like to highlight my right to privacy, which is explicitly protected under 15 U.S.C Section 602. The inaccurate information being reported compromises not only my financial standing but also infringes upon my right to privacy, as it misrepresents my credit history. Failure to Obtain Written Instructions ( 15 U.S.C Section 604 A Section 2 ) : Furthermore, 15 U.S.C Section 604 A Section 2 stipulates that a consumer reporting agency can not furnish an account without the consumer 's written instructions. I have not provided such instructions, yet the inaccurate information persists on my credit report. Attached FTC Report : In support of my complaint, I have attached the FTC report with the report number XXXX. This report details the inaccuracies and the steps I have taken to address them, providing a comprehensive overview of the situation. Request for Remedial Action : I hereby request a thorough and immediate reevaluation of my dispute, ensuring that all relevant accounts are verified and the inaccurate information is rectified in accordance with the FCRA. Additionally, I urge EXPERIAN to take corrective measures to prevent such violations in the future. Next Steps : If this matter is not resolved promptly and satisfactorily, I may be compelled to pursue legal action to safeguard my rights under the FCRA. I appreciate your prompt attention to this matter and expect a timely resolution. Please provide written confirmation of the actions taken to address this complaint within 30 days of receiving this letter.
Product: Checking or savings account

In XXXX, sent money using XXXX, the money went to XXXX XXXX detailing and not to XXXX XXXX I have requested money back from my bank, from XXXX and reported this to XXXX as well My complaint with XXXX was denied stating that " I did this '', not that someone took my funds??? which is my stipulation. XXXX has responded to XXXX that I should tale to XXXX, which is impossible and they refer back to the bank. 
the concern is to XXXX and then I plan to do one to Wells Fargo, as XXXX tells me that they have my money. 
This fraud has caused undo hardship to myself, my family and the owner of XXXX XXXX detailing as he never received the money either and has been blocked from XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I never actually had a loan with this company because the vendor from whom I attempted to purchase an expensive piece of exercise equipment was unable to fulfill the order, but I have received emails from them ever since that transaction was canceled. 

With that being the case, I received notification of a new privacy policy with instructions on how to email to opt-out and/or have my information removed. I emailed a request to the specified address and received a notification back ( from " XXXX '' ) that I needed to log in to my account to see the reply. I do not have login information, and creating a login requires me to agree to their terms & conditions and privacy policy, which is precisely what I wish not to do. 

As requested via email, I want to opt-out of all marketing communications, sale of my personal information, and be removed from their computer systems to the maximum extent possible. I do not wish to create a login to their systems or agree to their terms & conditions to do this.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX at XXXX I went to deposit money at Wells Fargo ATM branch on XXXX XXXX XXXX Texas XXXX I went there to make two deposit of {$1000.00} for a total deposit of XXXX. The first deposit of {$1000.00} went through fine when I went to deposit the other XXXX it only deposited {$620.00} into my account and the atm took the other {$380.00}. I immediately called as soon as it happened and filed a claim and when the branch opened at XXXX XXXX  I went in to speak to a teller and I was told I just have to wait and theres nothing they could do. Ive called them several times since and Ive consistently been told I just have to wait. I called today XX/XX/XXXX again to check on my claim and I was told my claim was denied and closed and I could not reopen it and theres nothing I could do I filed a complaint through Wells Fargo but Im taking additional action to file another complaint because it is absolutely unacceptable they have cameras at all the ATM you can clearly see me talking out both sides of money before I depositing. I just want my {$380.00} back in my account and for the situation to be resolved.
Product: Mortgage

Federal law, The Truth in Lending Act, requires a written notification to the borrower if the ownership of your mortgage is sold, assigned or otherwise transferred including transfers within XXXX. This notice is in addition to any notices you may receive about the transfer of the servicing rights for your loan. 
In Bank of America 's response to Consumer Financial Protection Bureau, Case number : XXXX your representative, XXXX XXXX, XXXX XXXX, XXXX Customer Care Resolution, said, " Our records indicate that in XXXX 2009, the transfer of your loan from Countrywide Bank, XXXX, to Bank of America, N.A., was completed. '' If this is indeed true, why was there no notification to the borrower at that time that the ownership of the mortgage was transferred? 
My records indicate that this transfer took place on XXXX when Countrywide Bank, XXXX. assigned and transferred to Bank of America , N.A . all its right, title, and interest in and to a certain Deed of Trust for borrower XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX for a property located at XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX ( Recorded in XXXX XXXX XXXX, NC on XXXX at XXXX XXXX ). This transfer was a transfer out of the XXXX system as evidenced by the instrument recorded in XXXX XXXX XXXX, NC. ( See attached Assignment of Deed of Trust ). It was transferred from XXXX as nominee for Countrywide Bank XXXX Bank of America, XXXX XXXX, XXXX : XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 
This was XXXX Resolution Specialist, XXXX Customer Care Resolution, response to my question why I was not notified of this transfer : " Under the XXXX, XXXX XXXX XXXX XXXX XXXX, your lender holds your promissory note, and XXXX was designated as the beneficiary under the Deed of Trust. The beneficiaries under your Deed of Trust are tracked through an internal electronic database. '' Her statement is partially true but does not answer my question. This transfer was directly to Bank of America, not held in XXXX for Bank of America. 
Why was no notification sent to me, the borrower, that this transfer had taken place? 
If what XXXX XXXX, and her supervisor XXXX XXXX, and XXXX XXXX reviewer XXXX 's Supervisor, XXXX XXXX, Senior Vice President at Bank of America, all agreed that what was published as the date of a transfer, why was I not notified of the assignment of the deed of trust in XX/XX/XXXX referenced above?
Product: Credit reporting, credit repair services, or other personal consumer reports

Its never been on there before. A collection from 2015 was just listed on my credit report that was paid and is found under collections. I called Doctors Business Bureau form XXXX Florida which is the offending party, to have it removed. It was paid but they are reporting it in collections but paid. 

I spoke with XXXX at the company. WOuld not give me any proof that they will remove it. They have to remove it. It is incorrect, and the status is NOT in collections. It is paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information was found in my reports. The Experian Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX & XXXX XXXX XXXX XXXX : {$0.00}
Product: Mortgage

During, the application process for my refinance loan, I specifically requested that Mortgagepros stop running my credit report or conduct any hard inquiries. Despite this request, several hard inquiries were made without my consent. 
I have since asked for my loan application to be canceled and for my loan and appraisal documents to be transferred to a new loan provider, but this request has been denied. Additionally, I have requested that all communication from Mortgage pros cease, yet my wife and I continue to receive unsolicited texts, phone calls, and emails.
Product: Checking or savings account

In XX/XX/XXXX, my checking account was suddenly closed while it held a balance of {$12000.00}. I was told the funds would be mailed to me by check. Since then, I have called countless times, and most of the time I am either hung up on or transferred endlessly with no real answers. They keep saying youll get an update in a few days or were working on it, but years have passed, and Ive received neither the money nor a clear explanation. 

Ive even gone in person to the bank several times and was treated with total disrespectstaff have mocked me, ignored me, or just told me to wait. Ive done everything possible : I updated my address, called the number they gave me ( XXXX, Option 2, Option 5 ), asked for documents, estimated datesbut I get nothing. 

I was promised a follow-up on XX/XX/XXXX or XXXX of this year ( XXXX ), and once again, no one contacted me. This is not just a delayits a complete lack of responsibility and basic human decency. Its now been over a year and a half without my money, and this has seriously affected my finances and my personal life. I am emotionally exhausted and financially paralyzed. I am begging for your help to recover what is rightfully mine and to hold this bank accountable.
Product: Mortgage

Myself and wife XXXX children bought house XXXX XXXX we put down {$10000.00} down property was {$220.00} interest rate 4.5 % Realtor didnt disclosed kept cecret forged signatures on our behalf made up email for me had access to password .signature isn't mine I have proof .She possibly got {$15000.00} dollars for first time homebuyers me and wife wearnt aware never knew .House was infested with XXXX, XXXX, XXXX, wasnt never afewmagated  For bugs times got hard she told us she can push our morgage out for year also she stated she can get a modification took her time we decides to move foward she stated if we leave her we would loose our house and it foreclosed XX/XX/XXXX time and money we put in property she told us their was {$20000.00} dollars of equity the sold our loan to another morgage company and it was total disaster never gave us papers when we purchase house its been 5 years we went threw a total distress move out of state I did research kept pressing her about my documents when we purchase house she forward emails that we where never aware of documents that we never signed false info.false contact numbers for us I just hope one day XXXX wood hear my prayers and let their be justice I have enough info to uncover the true colors of how people are so cruel from bankers, realtors, lenders, notary docusign agents from blank papers to documents with papers that I never sign nor my wife afew but with my signature only .The lender and realtor had access to our credit score I have emails notes that stated messages back and forth fake work orders from the realtor supposedly they were gon na fix
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX, around XX/XX/2020. I extended my credit to capital one for the purpose of obtaining a credit card, capital one has committed fraud with my personal information, I have sent capital one a notarized affidavit of truth as well as a cease & desist. I have certified receipts for each time capital one accepted your documents, yet this company has ignored my legal demands. I AM seeking civil liability, because capital one has violated THE FAIR CREDIT REPORTING ACT, THE FAIR DEBT COLLECTION PRACTICES ACT AS WELL AS THE FEDERAL PRIVACY ACT.
Product: Money transfer, virtual currency, or money service

{$460.00} was paid to me using PayPal on XX/XX/XXXX. It was been on hold during that time. PayPal will not release my funds to me, it is now XX/XX/XXXX. This is an unfair arbitrary hold on money that is rightfully mine. As a payment service they have committed fraud against me the consumer since they have held my funds in their possession and thereby refused to complete the act of payment. I also paid a fee for this payment that has not been completed.
Product: Credit reporting, credit repair services, or other personal consumer reports

From the month of XXXX, I have been contacting XXXX XXXX to pay the minimum monthly payment and I have n't been able to. XXXX XXXX, has blocked me from making online payment, XXXX XXXX  and XXXX XXXX. I went on XX/XX/XXXX, to XXXX to make payment to XXXX XXXX via XXXX XXXX and on the screen the customer service representative said that she had never seen a message across the screen instructing me to call into XXXX because there was a block on it. Moments later, I called into XXXX 20 times to be exact to correct the problem, and they stated they received a fraudulent check from me. I do n't even have checks and have always used online banking, ( which I 'm blocked from as well ) but the rude customer service rep in the fraud department stated that their was a check but it the check was n't written by me at all. XXXX XXXX has blocked me from all ways of making a payment, and I have lates on my credit from it ... XXXX XXXX is also aware of my difficulties of making payments because they blocked me from all forms of making payments.
Product: Checking or savings account

I have had {$59000.00} stolen from my accounts. The thieves transferred $ XXXX from my equity line and then used payroll services to pay themselves two bonus payouts from my business checking account. I notified Wells Fargo of the fraud on the equity line account and they closed my small business checking account and opened a new one. At that time the transfer from my equity line had not yet posted. They did NOT stop that transfer. They put the equity line money in the new account and that allowed the thieves to continue their crime and take the money. If they had stopped the transaction as I notified them or blocked the account from unusual transactions the thieves would not have had the money to take or posted successful transactions. The bank claims my notification was too late and that an ACH transaction ( the payroll transactions that were posted ) only have 24 hours to be recalled. My position is that is on them. The crimes happened on XX/XX/XXXX and XX/XX/XXXX. My notification of the fraud on the equity line was on XX/XX/XXXX. The notification of the ACH draws was on XX/XX/XXXX ( after the holiday weekend ) Additionally, when they closed my original bank account, they did not review posted or pending transactions with me. The payroll fraud ( 1st fraudulent payroll ) had already occurred on the XXXX and we could have identified the plan of attack if that transaction had been identified earlier. Wells Fargo fraud and claims departments have only sent unhelpful letters that simply say the claim is denied. My local bankers are trying to help, but they don't seem to have any better support or interaction then I do.

Please be advised that the FDIC may contact your financial institution or company to obtain additional information needed to respond to your inquiry or concern.