23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Wells Fargo uses deceptive lending practices to promote mortgage details that aren't good faith estimates. Wells Fargo uses harmful policies for its new construction closings to trick its prospective home buyers that they are acquiring a mortgage that is more attractive than it actually is. 

Wells Fargo states it's unable to charge customers higher property tax amounts unless they receive new documentation from the taxing authority. Yet, they were able to withhold more in escrow without a new, higher bill. This policy is clearly not federal regulation as I've closed in the past with a different lender, in the same residential community, and I was allowed to withhold more. Wells Fargo is unable to share this policy upon request and this policy does nothing but harm and hide the real costs to acquire a new home construction. Ultimately Wells Fargo fails to comprehend that any repayment of prepaid taxes made by the seller/builder is always on land alone and the bottom line is that Wells Fargo collects {$0.00} towards the home property taxes at closing for the current tax year. This only creates problems and financial hardship down the road. 

Wells Fargo also fails to reach out to the taxing authority to see what's going to happen to the property 's tax status for that year or the next. In my situation, Wells Fargo failed to find out crucial information like a special taxing district. If a customer pays 100 % closing costs, then Wells Fargo should do 100 % of the job and contact the taxing authority, especially in new construction closings. 

Wells Fargo treats new construction closings like resales and despite knowing the home sale price, appraisal value, and signed documentation for a higher monthly pulled escrow amount all prior to closing, Wells Fargo still only collected to repay on land alone. On top of that a few months after closing, a supplemental bill arrived with a higher assessed value than just land and still did nothing. Despite all of this and battling Wells Fargo for 7 months, Wells Fargo fails to comprehend how their institutional policies deceive customers and put them in difficult financial spots. 

Wells Fargo 's Executive Office lacks the competency to understand this and hides behind policies that they can't prove. They are alone on this island because even the title company raised my concern. Wells Fargo says we could have asked for a higher amount but that's false. On the morning of closing on the phone with Wells Fargo we respectfully asked for the higher cash to close but that request was denied because we were assured we were paying enough. Wells Fargo was wrong. When you ask Wells Fargo difficult questions like, how much money did I pay for property taxes in the current year on my home ( not land ) or did Wells Fargo reach out to the taxing authority to provide a best faith estimate before closing, they never answer and say it was hard to hear me over the phone then the conversation ceased. I hope my message is loud and clear now.
Product: Checking or savings account

I had my identity stolen during the first week of XXXX. The thieves stole {$16000.00} from my XXXX XXXX and then transferred the money into a Chime Account that they opened under my name. 
In an effort to do my due diligence I called Chime to close the account and asked them to send a check for the balance within that account. 
I reached out to Chime in XX/XX/XXXX of XXXX. They asked me to submit the last XXXX digits of my social security, my state ID, a picture of me holding a paper with the current date and my state ID. I also talked to customer service multiple times to resolve the issue but the way customer service is set up at Chime, basically I was led around in circles every single time. Each time I was promised contact with a higher up team that was not reachable via phone that would resolve the issue. But such a team never reached out. 
Finally in XXXX, I threatened with filing a complaint with the Federal trade commission and litigation and thats when did they reach out. They asked me to send in the same documents again along with an Affadavit of Identity theft. I submitted said documents XXXX times, but still Chime has yet to resolve the issue. 
They are refusing to send a check for my closed account, and making the process of getting said check unreasonably confusing. I have provided multiple documents proving my identity, and Im still being led in circles. The money is no small amount either - its my life savings. Please help.
Product: Checking or savings account

After noticing that a check for {$2000.00} we had sent through the US Mail had been fraudulently altered and cashed by an unknown party, I called Chase ( at XXXX ) at XXXXXXXX XXXX on XX/XX/XXXX. I thoroughly and completely explained the situation, that a check had been altered from the original, detailing how it had been altered based on the copy shown online. And that it had been cashed by a party that I have never heard of. The person I spoke with said that a fraud claim would be opened using this information. ( I was notified that this call was being recorded, and that recording should exist at Chase verifying this call and that I shared this information accurately. ) On XX/XX/XXXX, I received a letter from Chase stating that the fraud claim had been denied. 
I contacted them again by phone and was told, " Because of the way the check had been endorsed, there was no evidence of fraud. '' This confused me, but the person suggested I send additional documentation in hopes that the case would be reopened/reconsidered. I did so, providing a letter from the check 's intended payee and an invoice from them. 

Although I have not received any further letters, I have called to follow up and told the claim is still denied, will not be reopened. 

On XXXX, XX/XX/XXXX, I visited the local XXXXXXXX XXXX XXXX, branch of Chase and spoke with Assistant Vice XXXX XXXX XXXX . Again, I explained what had happened. He agreed that the handwriting on the PAY TO THE ORDER OF line appeared to be very different from ALL of my other checks. He called the fraud department and was told that the original fraud claim ( which had been handled by a Chase employee over the phone ) stated I reported an improperly endorsed check. This is not true. I clearly reported an altered check on that original call, and the facts of this case have been reported by me accurately, consistently. XXXX was told that, because the original claim was about the endorsement rather than about an altered check ( which is false ), the case would not and could not be reopened.

The branch manager in XXXX XXXX said that my complaint would be escalated. I received a voicemail from them yesterday that included a number and extension to call back. That extension 's voicemail has been " FULL '' ever since, and the outgoing message says that an extension number

is required. Quick Summary :
A Chase employee miscategorized a fraud claim when I called. Consequently, Chase is unwilling to consider the claim- even though records exist that verify the claim. I am being blamed for an internal error at Chase, and Chase 's error is costing my small business {$2000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/2016 with a balance of {$0.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accurate personal information refuse to remove unknow addresses and unknown persons,
Product: Debt collection

Here 's another derogatory account that I've been disputing for couple of months already but it really seems that you guys is taking my complaint for granted. Delete the item below at once! 

XXXX XXXX XXXX  Account # : XXXX
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and TransUnion are reporting I have a tax lien reported by the XXXX XXXX County Recorder. The County Recorder DOES NOT report tax liens. This information is being reported incorrectly. This is a violation of the Fair Credit Reporting Act Section 1681B ( c ) and a serious breach of my privacy rights.
Product: Debt collection

On XX/XX/18 I found a collection from XXXX on my credit report. I ended my service on XX/XX/2018. I moved my number to XXXX XXXX XXXX. I asked for and paid my final bill. I find a collection from Diversified Consultants on my credit report a couple before I called on XX/XX/18. I called them they said it was mine. I said how could it be I paid it plus I received zero notification despite having the same phone number and email. The address they allege they sent the bill to is my grandmother 's address. I have lived at my address for over 2 years. Diversified said they did no wrong even though they had the wrong address. I called XXXX and talked in circles until I got in touch with a supervisor who couldn't tell me why they didn't have my correct address nor could say why I wasn't contacted by the other means of contact that were valid. I said I will pay this if you will agree to take the account away from Diversified because they don't care who lives were and won't delete even though the law says that should. The supervisor said yes I could pay them and they would call this account back from Diversified. So I paid an account that wasn't mine to get it off of my credit report. It cost me well over 80 credit points. I don't feel paying an account that wasn't mine and wasn't notified so I could have asked for a verification of debt is fair but would have been worth it to get my credit back. I want Diversified consultants to delete this collection from my account and I want XXXX to do what they agreed to do on XX/XX/18 and pull the account back from Diversified. I want my credit restored. This is ridiculous
Product: Credit reporting, credit repair services, or other personal consumer reports

The last 23 hard inquiries are Unauthorized Credit Inquiry Identity theft Police Report # XXXX Last attempt before lawsuit. 

Dear Sir / Madam I recently obtained a copy of my credit report from XXXX, XXXX, andTransUnion. It indicated that 25 credit inquiry was made! 
However, these inquiries were not authorized and I was victim of Identity Theft Therefore, I am writing to dispute the last 23 inquiries and have it removed from my credit report IMMEDIATELY, the police department has done the investigation. 

Please have these inquiries removed from my credit report. 

Please forward any documentation that you may have in regards to the removal of these credit inquiries. 



Thank you for your prompt assistance. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15. U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection ACT ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), s highlighted in the CFPB 's recent administrative proceeding ( File NO. XXXX ) against them for similar violations. I request the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

I wanted these accounts removed right away. 
XXXX XXXX XXXX XXXXXXXX Account name XXXX XXXXXXXX Account number XXXX Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXXXXXX Account Number XXXX Account Info Account Name XXXX  XXXX Account Number XXXX Account name XXXX XXXX Account number XXXX - Account Name XXXX XXXX  Account Number XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Money transfer, virtual currency, or money service

On XX/XX/2018 I was attempting to purchase tickets for a show online. I made a agreement with the seller and we did a online transfer thru bank of america using XXXX which is the only option that it was giving me. Within 4 minutes of transferring the money I realized something wasnt right. I went down to bank of america which is 5 minutes away. I walked in and talked to XXXX. She pulled up the information and said ok good news it hasnt gone thru yet we can stop it. She then said I had to do it thru the mobile app and they cant do anything at the bank level. She put me on the phone with a agent who said the exact same thing. It was still processing and they told me no problem. Somehow I got disconnected from the individual. I immediatley called back and got a lady who again told me the same thing that they can stop it still. Well she sat there and basically said she doesnt know how to stop this. They verified it was going to XXXX XXXX  so they had all the info. She then blind transfers me to Loss Prevention. Who then transfers me to XXXX. Basically I have been told by my Bank Bank Of America that they have no way to protect the customer in regards to using XXXX. They explained that you have to basically dig a little deeper to do a treansfer thru them. Yet XXXX is all over their page and commercials.I have a police report and did everything Bank of America has told me to do. And then they come back and tell me sorry I have to fix it myself.
Product: Credit card or prepaid card

The Navy Federal App shows that I have open to buy. Yet, my statement shows nothing open to buy. Navy has no answer as to why there is a discrepancy. Considering more people are using apps instead of a desktop/laptop, one would expect consistency. Technically the app is showing me incorrect information. Also, because Navy didn't like my credit score when the card was due to be reissued ( score much higher now ), there was no new card reissued. I can't set up payment reminder alerts either so is Navy hoping that I'll forget a payment?? It appears that way. My spouse has had the same issue as I with Navy Federal.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be fraudulent. The disputed inquiries do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these items belong to me, I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the inquiries are verified, please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX  IN XXXX Balance : -, XXXX XXXX  XXXX XXXX XXXX. XXXX Balance : -, XXXX XXXX XXXX XXXX XXXX Balance : -, XXXX XXXX XXXX XXXX Balance : -, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX  XXXX Balance : {$0.00}, XXXX XXXX  XXXX Balance : {$0.00}, XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX, XXXX XXXX  Inquired on XX/XX/XXXX, XXXX - XXXX XXXX Inquired on XXXX XXXX, XXXX, XXXX - XXXX XXXX Inquired on XX/XX/XXXX 2022
Product: Money transfer, virtual currency, or money service

XX/XX/2022 I went to Wells Fargo XXXX XXXX, TX bank and with the help of a banker filled up the corresponding Wire Transfer Services, Outgoing Wire Transfer Request in order to send to my bank in XXXX XXXX the total of my " Everyday checking account '' XXXX {$220000.00}, the banker told me the amount would be in XXXX in XXXX minutes ; the transfer has not been sent yet, XX/XX/2022. The Wells Fargo manager XXXX XXXX phoned on XX/XX/2022 and said he would start a new transfer procedure without my signature. But by now there are zero dollars in my account and I do not know where is my money. My telephone calls to that bank manager have not been answered nor my emails.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the correction of an inaccurately reported late open account on my credit report. This is my attempt to address this issue, and I am becoming increasingly concerned about the lack of response and resolution. It is imperative that this error be corrected immediately to reflect my accurate credit history. Despite my previous XXXX attempts to resolve this matter, this account continues to be inaccurately reported. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute and correct inaccurate information on my credit report. This error is affecting my credit score and overall creditworthiness, which is unjust and unwarranted. Kindly assist me to conduct a thorough investigation of this account and correct the information immediately. I request that you provide me with written confirmation of the correction within 30 days of receiving this letter. Kindly help me correct this account for no more late payment : XXXX XXXXXXXX XXXX XXXX Balance : {$7200.00}.
Product: Debt collection

Per 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 : LVNV Funding LLC has violated my rights. 

I looked at my XXXX credit report on XX/XX/year>, and noticed things are incomplete and inaccurate. According to the Fair Credit Reporting Act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681i 5, they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I established a payment arrangement with CitiBank Best Buy as well as XXXX XXXX to resolve a credit card history for a total of 2 different credit cards. I successfully established a payment arrangement in XXXX of 2022 via telephone on a monitored and recorded line. I made the payments as agreed in the amounts that were agreed upon until the card was paid off. I recently attempted to get a loan and it came back that I had late or missed payments to this creditor fromXX/XX/XXXX/2022-XX/XX/XXXX2022 which is incorrect. I called and requested a copy of my payment arrangement in which they stated they are unable to provide me with. I also requested statements showing I in fact did make monthly payments and they are mailing it to me in 7-10 business days. This tremendously negatively and wrongfully impacted my credit score and credit history.
Product: Credit reporting or other personal consumer reports

I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I May review to see if this is actually an account that belongs to me XXXX XXXX and XXXX
Product: Vehicle loan or lease

Had a vehicle loan for our XXXX XXXX in from XXXX XXXX XXXX XXXX  we made our payments on time every month with Wells Fargo. Our monthly payments were {$310.00} from XXXX XXXX XXXX XXXX Then in XX/XX/XXXX we called Wells Fargo Dealer Services to let them know that we would be makin a payment the very next day which was a Tuesday, and Wells Fargo agreed to this. I had off from work and told my husband he could use the car to get to work. He came back inside and said What car?!? Between Monday night and Tuesday morning of XXXX XXXX  Wells Fargo had repossessed our only mode of Transportion. We had to declare a XXXX XXXX bankruptcy with XXXX and XXXX to be able to get our vehicle back. We then had to find a ride to XXXX XXXX, Maryland to retrieve our vehicle. If Wells Fargo hadnt repossessed our vehicle we would never have had to file a XXXX XXXX bankruptcy. That bankruptcy was finalized on XXXX XXXX XXXX and this year it will be free and clear of our credit report.