23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I HAVE APPLIED FOR HARDSHIP ASSISTANCE WITH MY FRAUDULENT SERVICER 'WELLS FARGO '' AND JUST SO HAPPENS TO BE MY INVESTOR AS WELL " LUCKY ME ''. ITS APPARENT THAT THEY CAN STILL XXXX FROM THEIR CLIENTELE BUT COULDN'T USE THAT MONEY TO BE THEM TRAINING ON CUSTOMER SERVICE OR A GUIDELINE HOW TO STAY WITHIN FEDERAL GUIDELINES. BUT THEN AGAIN WHEN THE GOVERNMENT ALLOWS WELLS FARGO TO STILL PRACTICE WITH A SLAP ON THE WRIST I GUESS ITS EASY TO SEE WHY THEY FEEL LIKE THEY CAN DO WHATEVER THEY WANT. I WAS PREVIOUSLY DENIED FOR A MODIFICATION AND RESUBMITTED MY APPLICATION AGAIN DUE TO INCOME INCREASE AND WELLS FARGO MAKES YOU JUMP THROUGH THERE HURTLES TO SEE IF THEY FEEL LIKE YOU DESERVE TO BE REVIEWED FOR A HARDSHIP ASSISTANCE. THEY WONT EVEN OPEN UP A REVIEW, THEY MADE ME COMPLETE A FINANCIAL INTERVIEW WITH THIS SO CALLED RE-ENTRY TEAM AND IF THEY SAY NO THAT IS IT. I HAVE READ THE USDA GUIDELINES ON MODIFICATIONS AND I DO NOT SEE THAT I HAVE TO DO ANY SUCH THING. THIS IS WELLS FARGO 'S WAY TO DETER ANYONE FROM SAVING THEIR HOME. I WAS TOLD THAT BECAUSE NOTHING CHANGED THEY WILL NOT OPEN A REVIEW, SO I ASKED WHAT WAS THE INCOME THAT WAS USED FOR LAST REVIEW THAT THE UNDERWRITERS CALCULATED MY INCOME AT AND I WAS TOLD {$5900.00} SO I SAID WHAT IS THE INCOME THAT YOU ARE CALCULATING MY INCOME TODAY AND THEY SAID {$6400.00} WELL THAT SHOWS YOU A CHANGE. IF IT IS NOT THE SAME NUMBER THAN THERE IS A CHANGE AND THEY SAID NO WE WILL NOT OPEN UP A REVIEW. THIS IS ABSOLUTELY CRAZY THAT THE SERVICER REFUSES TO REVIEW MY HARDSHIP ASSISTANCE REQUEST AND NOT FOLLOW MODIFICATION GUIDELINES. THERE IS NO FEDERAL GUIDELINE THAT STATES I HAVE TO JUMP THROUGH WELLS FARGO 'S OBSTACLES TO GET MY FILE REVIEWED.
Product: Bank account or service

On XXXX XXXX of this year, I was informed by the Bank of America that it was terminating my checking and savings accounts I had held with the Bank for about 5 years. I filed a complaint with the CFPB at the time, alleging that they were using a fraudulent method, the FIS Qualifile deposit account system marketed XXXX to determine who among their deposit account holders was likely to default on their accounts, and that I was being unfairly targeted in their use of that system. Nevertheless, in spite of my vociferous demands to see my Qualifile score and the other material BOA used to determine that I was not a good credit risk -- or, stated alternatively, that I was more likely than average to default on my savings and checking accounts -- BOA closed my accounts on XXXX XXXX. I have since received XXXX checks from them for the small amounts of money I had left in these accounts. 

However, there is a much larger check that I have not received from BOA, in the amount of approximately {$800.00}, that is the balance in a savings program in which I enrolled during 2011 that BOA calls " Keep the Change ''. Like automatic savings programs at other banks, " Keep the Change '' rounds up the dollar value of transactions and places these small amounts -- XXXX cents here, XXXX cents there, XXXX cents, etc., and so on -- in a non-interest bearing " Keep the Change '' account. 

By the time the Bank decided to close my accounts, I had accumulated {$800.00} cents in that special savings account. Let me make it plain that this was MY money, deducted from my checking account over a period of XXXX years by the Bank, but I have yet to receive a check for that amount, and it seems that my wait may be in vain. The person at the Bank, XXXX XXXX XXXX ( reachable at XXXX, ext. XXXX ), who was in charge of terminating my accounts, denies any knowledge of this account or this program, and refuses to acknowledge that I am owed this money. 

Plain and simple, I want my money back. Who knows how many accounts are being closed using the Qualifile credit scoring system, and " Keep the Change '' accounts being seized along with those closures? I think there is something brewing that constitutes another fraudulent and illegal pattern of behavior by a big bank. Please help me get my money back, and the money of others who are being ensnared in these little schemes. Thank you.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXXXXXX XXXX  # XXXX XX/XX/year> -- {$1800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted disputes and an FTC report for a fraudulent hard inquiry. 

XXXX  - XXXX XX/XX/2021 Experian - XXXX XXXXXX/XX/2021
Product: Credit card

Sent ballon payment amount due on months. I called and ask if they could take a settlement payoff of 10 % of balance they told me they will send a letter in my email and if I can pay in 15 days I told them yes I will pay in 15 days. They told me because I was working with a nonprofit to help with this situation. They told me I need to give permission to speak with nonprofit to settle. I release nonprofit of representation I called Regions back to tell them they told me they decided to decline. After numerous calls trying to clear the matter. After they told me yes to pay in 15 days.
Product: Checking or savings account

I submitted a check to be deposited on XX/XX/25, it was held for 10 days, cashed by Bank of America, and the account was closed with no further information. I have contacted. The bank that issued the check has contacted and asked for it to be returned. It has now been almost 90 days and I still dont have an answer and the check hasnt been returned.
Product: Mortgage

We received a letter from the XXXX XXXX County Assessor 's Office ( property tax collector ) stating that our ( escrowed ) property taxes have not been paid. When I called the mortgage company office to find out what happened, i found out that someoen there had changed the property address in their system to XXXX XXXX XXXX, XXXX, CA XXXX sometime in XX/XX/2017 without any notification to me and without my authorization. As a result, the proeprty tax that should have been sent to XXXX XXXX County on befalf of the property at XXXX XXXX XXXX, XXXX, CA XXXX was instead incorrectly sent to XXXX County for XXXX XXXX XXXX, XXXX, CA XXXX, which is our billing address ( NOT the property address ). We were with XXXX before the mortgage was sold, and the property address has always bene XXXX XXXX XXXX, XXXX, CA XXXX. 

We sent all the relevant information to the mortgage company and asked them to correct the mistake, pay the appropriate taxes to XXXX XXXX County, and recall back the incorrect payment that was sent to XXXX County. They have done nothing to help us resolve their mistake.
Product: Checking or savings account

I apparently was a victim of theft earlier this month & I bought this up to the representatives of my bank. I noticed a lot of unauthorized transactions, that I wasnt aware of that totaled up to {$2100.00} & I filed a dispute with my bank SOFi. I provided sufficient evidence & the claim was denied within two days of me filing the dispute. I, then filed an appeal to see if the ruling can get overturned & Ive been waiting ever since for an answer from the support team. I, dont feel safe keeping my money stored there & I also dont feel valued as a customer. Someone has to bring this to their attention because its very unfair!
Product: Debt collection

This has been ongoing since XX/XX/XXXX. I purchased 2 pair of XXXX XXXX XXXX through the XXXX website in XX/XX/XXXX. I financed with affirm. I returned the shoes back within the time frame. XXXX didn't confirm my return up until XX/XX/XXXX, when i returned everything back in XXXX and XX/XX/XXXX, i have proof of XXXX return slips. I also paid XXXX back to ship one of the shoes back. Why is it my problem, that affirm decided to charge it off, and XXXX didn't confirm the return till 4 months later. I shouldn't be held responsible to pay affirm back. XXXX  should reimburse affirm and be in communication. I shouldn't be held liable for this, this has damaged my credit where i can not even get approved for a credit card, i went to lease my car back in XXXX and my payment was XXXX higher because of the charge off 'its a delinquent status '' if you see my credit report i have a XXXX payment history on everything. Please get this taken off, i need to get this taken off, and get compensated back, this has taken over my life, and once again it's ruined my credit. I can provide proof of emails stating XXXX confirmed my return later, and i also can provide proof of XXXX receipts showing i returned the 2 pair of shoes.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX Secured card reported to Transunion XXXX   And XXXX  As XXXX XXXX And was removed from my report On Or Around XXXX after it stopped reporting Around XXXX Of 2019 And i would like it back on my report. XXXX has told me to Request the bureaus Put it back on my report if this is wrong please contact XXXX XXXX  and advise them of this.
Product: Credit card or prepaid card

This is the email I sent to the Office of the President on XX/XX/XXXX since customer service is not reachable, due to CV-19 as the recorded message states. 



Fraudulent Activity and No Assistance from PayPal XX/XX/XXXX, XXXX XXXX  to executiveoffice I'd like to make you aware that it is impossible to report fraud and get in contract w Paypal. I received a debit card in the mail that has my name but I didn't order the card. In fact, I had fraud multiple times in the past with PayPal, and also my family members. I asked to close down all PayPal accounts and not to open new ones. 

The number on the card is XXXX with the name XXXX. When calling customer service, no active agents are available during the weekends. Also, since I don't have an account with PayPal I'm unable to log a ticket. 

Can someone contact me and help me through this problem? I'm beyond frustrated about this situation, especially since I asked to flag me to not open any accounts in the future. This is like a situation of a do not call list and your company ignores customers. I'm wondering how often this happens to other folks. Or, if management is even aware what is going on with this type of problem. 

Obviously, your company has no adequate internal controls to prevent fraud and protect consumers because you put undue hurdles in place to even talk to your company. Unless I hear from you by XX/XX/XXXX I will contact the CFPB and XXXX  to log my complaint. 

--
Product: Checking or savings account

Hi, I try to get my well fargo bank.its money market savings and complete advantage checking. it been so hard to dealing with this. please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them a letter for the said request, I still haven't received any response up to this date. Besides, the inaccurate information about my account is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted 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 is the account that is still reported on my account : XXXX  XXXX Date Opened : XX/XX/2021 Balance Owed : {$450.00}
Product: Credit reporting or other personal consumer reports

TransUnion fails to perform a thorough investigation. XXXX XXXX  XXXX sent a letter to them and myself in XXXX to remove negative and XXXX XXXX status and TransUnion continues to report INACCURATE information. Recently their investigation confirmed more inaccurate information.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding fraudulent items that have appeared on my credit report. These fraudulent entries are causing significant damage to my creditworthiness and financial standing, and despite repeated attempts to rectify the situation, they have not been promptly addressed. 

Despite submitting multiple disputes and providing all required documentation to support my claims, these fraudulent entries persist on my credit report. This has had a detrimental impact on my ability to obtain credit, secure favorable interest rates, and make important financial decisions. 

I urgently request that you take immediate action to investigate and remove these fraudulent items from my credit report. It is crucial that my credit history accurately reflects my financial responsibility and is free from any fraudulent activity that could harm my reputation and financial well-being. 

Additionally, I request transparent and timely communication throughout the resolution process, including regular updates on the progress of the investigation and the actions being taken to address this issue. 

Failure to address this complaint promptly and satisfactorily will leave me with no choice but to seek legal recourse and escalate this matter to the appropriate regulatory authorities. I trust that you understand the urgency of this matter and will take swift action to rectify it without further delay. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX.
Product: Credit card or prepaid card

I have a credit card with Bank of America. On XX/XX/2018, I identified two transactions that were fraudulent, both transacted through XXXX. Bank of America immediately removed them from my account. On XX/XX/XXXX, Bank of America sent me a letter, indicating that they have decided the one transaction ( XX/XX/2018, XXXX XXXX XXXX NJ, {$940.00} ), is NOT fraud, and put it back on my account. 

I spent at least 12 hours on the phone ( mostly on hold ) with Bank of America, and got extremely little transparency of how they made that decision. I ended up calling the vendor, who was very forthcoming and gave me the tracking info ( it  was a camera ). The tracking info shows that whoever committed the fraud has my address and had asked for it to be shipped to my address, but in talking to XXXX, the delivery was diverted to a XXXX center ( instead of my house ). It was picked up on XX/XX/XXXX, around XXXX, in my name. This is impossible -- I faxed documents to Bank of America ( fraud fax number that was provided to me on one of my long calls ) that show I was on an airplane, flying for work to XXXX, at that time. I have both the invoice for that flight and the crediting of the flight to my mileage account ( which only happens once you have physically flown on the flight ). 

There is no way I could have picked it up. We, regrettably, do not even own a camera, and I did not place this order. 

I asked Bank of America, in that fax, to please confirm receipt of the flight information, which I have not received, and could not confirm after spending another 30 min on hold. At this point I am turning to you for assistance. I appreciate the help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter requesting that you reinvestigate the disputed Accounts from my credit report as well as remove or update these Accounts from my report during the investigation period. As of this date, you have failed to respond to my request. XXXX XXXXXXXX XXXX  XXXX XXXX XXXX Balance {$0.00}, XXXXI XXXX Balance {$2.00}, XXXX  XXXX XXXX {$400.00}, XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$1000.00} XXXX XXXX BANK XXXX Balance {$570.00}, XXXX XXXX CARD SER XXXX Balance {$1100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FCRA ( XXXX XXXX XXXX acct # XXXX ) has completely violated my rights as a consumer and I'm requesting legal action to remove this account expeditiously. 


Account Name : XXXX XXXX XXXX acct # XXXX, has violated my federally protected consumer rights. 

According to the FCRA 15 U.S. Code 1681i ( 2 ) ( A ) ( i ) report containing information solely as transactions or experiences between the consumer and the person making the report. 
15 U.S. Code 1666 ( a ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered is mailed or delivered to the consumer not later than 21 days before the payment due date. 



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 record of conviction of crimes which antedates the report by more than seven years
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a PAID collection with XXXX XXXX XXXX for XXXX as well as UNVERIFIED late payments with XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX that I have been disputing with the bureaus. I sent my first dispute to the bureaus on XX/XX/2020. I have sent again, disputes on XX/XX/2020, after the bureaus did not correspond with me ( I am aware that they have 45 days, and I am STILL waiting for responses from them ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Five years ago, I left XXXX XXXX in order to care for several family members. This resulted in a government overpayment of health insurance/leave benefits. The payroll processor, U.S. Dep't of Agric. Nat'l Finance Center ( NFC ), would eventually send the bill to collections and report it to the Treasury Dept. Bureau for Fiscal Services ( BFS ). I have been on a payment plan for the past 2.5 years. Additionally, XXXX XXXX XXXXXXXX XXXXXXXX XXXX, NFC began garnishing my wages for $ XXXX. Despite this, NFC and BFS REFUSE to update this information to the credit bureaus. Every month, they report it as continuously delinquent ( XXXX days late ). I have disputed this multiple times to no avail. The only action they have done is to update the balance, while continuing to report the account as late.Today, I was denied a mortgage due to " late payments '' and " delinquency on federal debt ''. The phone # s listed for NFC on each credit report are all out of service and have been for months. I have called every number listed ; it either rings as being out of service or there's no sound on the other line. BFS is a black hole. I tried contacting them in XXXX only to be told they had no record of the account I was referencing. I later discovered they were attempting to send the same account they were garnishing my wages for to another debt collector. When I finally got them on the phone ( just one time ), I explained that it was excessive to garnish wages for almost $ XXXX AND simultaneously send it to a bill collector. Their response was that " It gets the money faster. '' Is there any recourse at all? At a time when I'm trying to purchase my first home and XXXX ownership rates are already at such lows, this seems incredibly abusive.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report, and I noticed some inaccurate information on my account from XXXX XXXX XXXX I've never had a late payment associated with that account I contacted the credit reporting agencies and notified them of the inaccuracies, but they did not fix the inaccurate information.
Product: Mortgage

When my husband ran out on me and our house payment a year or so ago I missed a few months of payments. I have been on track ever since, but they just keep adding late charges to the amount that was missed. I have been working with Citi for a year or more to get a modification on the loan. I am on my XXXX or XXXX person handling the account and each one says they have no documentation. I have sent the paper work in numerous times and feel they are just giving me a run around to get more in fees and charges or they are very very incompatent. I am getting nowhere with them. This is the XXXX mortgage with Citibank. The XXXX mortgage with Citimortgage was resolved and modified in a much more timely manor and the documentation I sent was used not lost in their shuffle. Their poor was of doing business is very XXXX for me.
Product: Credit reporting or other personal consumer reports

On the day of XX/XX/XXXX my XXXX  credit score was fraudulently impacted without any delinquencies on my companys credit report. 

Company : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed information on my Experian credit report multiple times and it continues to stay. XXXX XXXX XXXX  account is reporting 120 days late. XXXX XXXX  provided me an affidavit that they would correct their reporting and remove the 120 day late in XXXX of XXXX. As of XX/XX/XXXX the account was still reporting 120 days late. I disputed with Experian while providing the affidavit and twice now they are continuing to report inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

The payment was due XX/XX/ and on XX/XX/, they reported the payment as 30 days late. Anyone with a calendar can tell you that 3 doesnt equal 30. This bank engages in so much fraudulent activity, I shouldnt have to have 2 complaints opened about them.
Product: Mortgage

I bought home in XXXX XXXX 4 months the mortgage company send letter that my mortgage will increase from XXXX, .They increase payment on escrow account about {$52.00} and {$34.00} for shortage in escrow deposit account.Total {$86.00} more in monthly payment.During closing my attorney told me that mortgage can increase only when ptoperty tax went up.I have sent about 5-7 letters to mortgage company to resolve issue.I get back only one letter which nothing explain, If they wiil increase motgage every 6  month because of escrow account, my mortgage payment shortly rich point where i will not able to pay mortgage.Can you help. 
I have question .Can I make payment myself to the insurance company and property tax directly to the city with skiping an escrow account.. 
XXXX XXXX