23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Hello, I have gone through this process already with a complaint filed on XXXX/XXXX/XXXX. They responded and I am STILL waiting for them to get back to me .... 

Here is original complaint. 

We fell behind 3 payments to US Bank XX/XX/XXXX shortly after having a baby. It was then suggested that we apply for the " loss mitigation '' program to make a payment plan. It has been 18 months with us falling further and further behind and we are not allowed to make any payments even though we could have started paying months ago. They ask for the same paperwork over and over since by the time they send it to the " processor '' it 's expired. They just told me I need to fill out everything again for the 3rd time and I feel like this is illegal. I just want to pay the mortgage.
Product: Checking or savings account

I had a line of credit with Citizens Bank that had a {$10000.00} credit limit. I owed them about {$9300.00} and had trouble paying them due to finances. So they ended up giving it to a collection agency. I was contacted by XXXX  back in XXXX of XXXX and they contact me and made an offer of {$1400.00} which the account would be settled in full. 
So on XX/XX/XXXX I made a payment of {$1400.00} to XXXX for the line of credit at Citizens bank which settled the account in full and closed it out.

For some reason XXXX is showing that the account was paid and closed with a payment date of XX/XX/XXXX and showing current. 
For some reason XXXX has not been updated. It is still showing derogatory, showing a current balance of {$9300.00} and a last payment date of XX/XX/XXXX. In the remarks it says charged off as bad debt, profit and loss write off. The status states collection, charge-off.
Product: Consumer Loan

We needed our car repaired and the cost came to {$1400.00} at XXXX we did not have the cash so the manager said we could get a easy pay loan and set it up over the phone after giving our information to someone over the phone he handed me the phone and a man told me that I could pay it off in 90 days same as cash or I COULD PAY {$140.00} for 12 months and I said I could do that and we had done that without fail the last 12 months never late. well on the 13 month they took another payment out so I called them and they were rude and said I owe for another year. they said I agreed to that no I did not, there was no contract sent to me only a over the phone agreement that I did without fail so I closed my account so they could not get another payment I do n't owe for.
Product: Mortgage

my mortgage company has since 2017 ( this is the 3rd year ) at this time, has been trying stick it too me with a approximately 2500 increase roughly 250.00 monthly increase mort payment, because they somehow XXXX up my taxes, my taxes have always been payed on time, ( XXXX clerks office with verify this ) https : //.freedommortgage.com/mtg/loan/ has been harassing me since 2017. i file a complaint thru CFPB every now, Freedom mort always tell me there sorry for my inconvenience and it wont happen again ( total XXXX ) i have ask them to keep this file on record, but obviously they dont! so here we go again! i need to stop this insanity with this company, i have requested them to sell my mort to some else but not! now i have to pay this increase of $ $ this month so i wont get bad credit, but they always reimburse me and apologize and say it wont happen again. 
should i get a lawyer and sue them, do i have a case here? my other complants you have on file XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally demand the immediate deletion of inaccurate and invalid negative accounts on my credit reports with TransUnion and XXXX. Despite my multiple disputes, these negative accounts remain unresolved, with inconsistencies that highlight clear reporting errors between your bureau and XXXX.
Product: Checking or savings account

Today I discovered Wells Fargo charged without authorization, {$10.00} account fees on my savings account for XXXX, XXXX and XX/XX/2024. This concern has had to be repeatedly addressed at least three times over the past two years. When they're called out on it, they apologize and restore the funds. Then time passes and they try again, with a different reasoning and explanation for why they removed funds without permission. They told me I need to keep a minimum {$2500.00} balance in my savings account. Never in my life have I been able to do that and WISH I could. There is no way I would've ever agreed to that term if it had been offered to me. They have also said I need to transfer money between my savings and checking accounts, which has happened. They asked how I made these transactions as they had no record. All were done through Wells Fargo app, so that also doesn't make sense they have no records. Each time there is an issue with Wells Fargo, they have a different story with false promises to do better. They really are unable to keep their word or keep consumers safe from unauthorized transactions or actions on their accounts. The consumer needs to be allowed input and approval for fees, changes to our accounts or any " updates ''. Please help me resolve this to get my {$30.00} back and stop being charged for a SAVINGS account with terms never approved by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account Name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, are a violation of 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 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

A 30 day late showed up on my credit report for a credit card I applied in XX/XX/2021 I never got the card or approval. I contacted the credit agency and the credit card company " XXXX XXXX '' telling them that I never got approved, never received a card or statement or email or phone call, so I didn't know I need to make a payment. To please remove this late charge from my account. I filed a dispute, provided documentation and nothing. I contacted XXXX XXXX they only accept email and can not communicate. It appears that they opened an account didn't tell me and then charged me a {$25.00} fee, a late charge and a 30 day late notice on my credit report. The agencies are aware but will not do anything. I paid the {$30.00} that was there, but now I don't know what to do about the 30 day late. My score went down 30 points and this has caused damage to my family as we were financing our home and now we can't.
Product: Checking or savings account

Wells Fargo provided my SSN and all of my financial documents in response to a administrative illegal subpoena without my written permission or authority from the account holder causing me severe financial harm.
Product: Credit card

I called to pay my bill they took my information and process the payment. The payment never went through and I received a late fee. All the information I gave was correct they just do not work with my bank. I then tried to use my debit card and still no luck. They do not tell you that they only accept payments from certain financial institutions therefore you incur extra fees because they do not give this information out.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properiy investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian 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, XXXX '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. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation.

These are the accounts Im requested to be deleted due to errors 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

I Have been an a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. This is unacceptable and I will file a lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information.
Product: Credit reporting or other personal consumer reports

In XXXX my identity was stolen. This was corroborated by numerous private companies such as XXXX XXXX, XXXX, XXXX, and XXXX 

I filed the necessary reports with the Federal Trade Commission, and the XXXX, XXXX Police Department. 

After being rejected time and again for various financial products, including things as simple as a checking account, I decided to take a closer look into who was making these decisions, when I never abused any financial products to begin with. 

I learned of XXXX XXXX XXXX ( Bank Owned ), and ChexSystems ( Not Even Accredited by the XXXX XXXX XXXX  ). 

I was shocked to find out that they had self-governing power to essentially put whatever they wanted on a person 's consumer report with absolutely no oversight. As an example, a person using someone else 's social security number can simply make as many attempts as they want to open fradulent bank accounts, and the person who owns the social security number legitimately suffers and is penalized as a result, and there is no recourse for challenging this behavior. 

My identity had been stolen, and these parties clearly had a vested interest in ensuring that I paid back debts that didn't belong to me in the first place, or they would " blacklist '' me from the US banking system. 

I filed a FOIA request from the FTC and provided the documentation to both companies. They ignored what I sent to them entirely. The report I filed with the FTC clearly displayed the financial institutions that had been taken advantage of by a criminal using my social security number, and in many cases, even the dollar amount. 

I want to emphasize that even though these organizations directly received documentation from the federal government corroborating that I was a victim of identity theft, they did absolutely nothing, and to this very day I am constantly denied basic financial products and am constantly receiving alerts from XXXX XXXX stating that my social security number had attempted to be used once again.
Product: Debt collection

This is the second time Jefferson Capital has reported that I owe a debt to XXXX XXXX. I disputed this last year and it was deleted for lack of verification and now it is back on my credit reports with a new date of opening of XX/XX/2018. I have contacted this company twice by phone at XXXX and once by certified letter sent to Jefferson Capital System, XXXX XXXX XXXX, XXXX XXXX, MN XXXX. It was finally deleted off all 3 credit reports and now it's showing back up as a new debt again. I have never had an account or owed anything to a company called XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Someone has been using my information to open fraudulent credit card account without my permission and or knowledge if you will. This was done without my consent and done against my will. The time and dates stated below are as follows. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These applications for credit WERE NOT SUBMITTED MY ME I DID NOT AUTHORIZE FOR MY CREDIT TO BE CHECKED RAN ETC, and for anyone to do so. SOMEONE HAS STOLEN MY PERSONAL INFORMATION
Product: Vehicle loan or lease

My XXXX XXXX XXXX has an airbag issue. We took it to the dealer and they need two parts, one of which has arrived, the other of which has not and may take some time. They gave me a loaner, a XXXX  XXXX, which is inadequate for my needs as I have three children in car seats. 

The loaner is not able to accommodate three car seats which we need for basic day to day driving. 

The loaner was provided by the dealer and XXXX is saying they can not provide me a car of similar size because they rely on dealers for loaners. 

While I am sympathetic to that the part being delayed, I am not sympathetic to making payments on a car which I don't have use of but need.
Product: Checking or savings account

I am writing to file a complaint against Wells Fargo for their refusal to reopen or initiate a new claim regarding a fraudulent transaction associated with XXXX, a company widely reported as engaging in deceptive practices. 

Details : Date of Transaction : XX/XX/year> Amount : {$310.00} Description : Purchased flight insurance and cancel within guidelines of medical injury signed off by Veteran Care provider due to back injury. Claim was denied with the evidence. 

Upon discovering the fraudulent nature of the transaction, I contacted Wells Fargo to dispute the charge. Despite providing evidence and referencing multiple reports of XXXX fraudulent activities, Wells Fargo declined to reopen the claim or initiate a new one, stating it has been closed by XXXX and can not be reopened or resubmitted. 

This refusal has resulted in financial loss and significant inconvenience. Moreover, it raises concerns about Wells Fargos commitment to protecting its customers from known fraudulent entities. 

I request that the CFPB investigate this matter, compel Wells Fargo to address the fraudulent transaction appropriately, and ensure that they uphold their responsibility to protect customers from scams.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Checking or savings account

I opened a savings account with XXXX XXXX XXXX  on or about XX/XX/23. 

I verified my external bank accounts through their micro deposit process on XX/XX/23 in order to deposit funds into my XXXX XXXX Savings account. 

On XX/XX/23, I deposited {$25000.00} from my verified, external bank accounts and my XXXX XXXX. account was subsequently " restricted. '' Essentially I was blocked from accessing my account/funds on the mobile app and website. 

Since then, I have called approximately 6-8 times and nobody can provide any information other then my account is " under review '' and initially I was told it could take up to 7-10 business days to resolve. It has now been 20 business days. 

After one of the phone calls, I was emailed on XX/XX/23 by XXXX XXXX, Member Advocate Team Leader, asking for my bank statements from my two external accounts. On XX/XX/23 I emailed her a copy of my bank statements. Since then I have sent a followup email every morning asking for an update on my account. No response to any of my emails.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint with the credit bureaus for validation of this account. This was account as deemed as updated and accurate. I then filed a complaint directly with XXXX XXXX XXXX by certified mail which included my full name and account number as listed on my credit report. After I had not received a response, I contacted them via XXXX XXXX on XXXX/XXXX/XXXX. After our conversation there, a representative from their company contacted me. Upon speaking with the representative, I provided their requested information to identify this account. I did not provide them with the account number. However, my account was located and I was told I would receive a letter in the mail with all of the information regarding the verification of the account. However, I received a letter dated XXXX/XXXX/XXXX stating I did not provide them with enough information for them proceed with their investigation and must consider it closed. 
I 'm confused. I spoke with them the day after the letter was composed. How is it that the information provided on XXXX was not used to verify the information they continue to report to the credit bureaus on this very old account. The balance was paid in full.
Product: Debt collection

CONTACTED EMPLOYER UNDER NON LEGAL NAME, BELIEVED TO BE A SCAM, ALL CALLS WERE TOLD TO CEASE FROM ALL NUMBERS, THEN CALLED AGAIN IN 30 SECONDS
Product: Credit card

XXXX XXXX JPMorgan Chase & Co . 

This complaint addresses the improper handling of account receivables by JPMorgan Chase XXXX XXXX ( JPMC ), including its subsidiaries Chase Bank USA, NA ( the Servicer ) and Chase XXXX XXXX ( the Issuer ), with XXXX XXXX XXXX  as Trustee. Specifically, XXXX has failed to address the following issues : Non-Compliance with Fiduciary Duties : Chase Bank USA, NA, as a Servicer under JPMCs operational structure, failed to adhere to fiduciary obligations as outlined in its regulatory filings. Their actions include pooling and securitizing receivables for profit without providing reasonable compensation to the account holder. 

Securitization and Lack of Disclosure : Forensic audit findings confirm that the complainants account was securitized under XXXX XXXX : XXXX and subsequently traded domestically and internationally under XXXX : XXXX. The securitization has generated over {$1.00} XXXX in profits, yet JPMC has failed to disclose these activities or provide compensation for the receivables value. 

Failure to Process Receivables : Submitted International Bills of Exchange were not processed as directed, constituting a further breach of fiduciary duties.

Tax Discrepancies : Audit findings suggest potential violations of tax laws, including failure to file requisite SEC and IRS documentation for revenues derived from trading pooled receivables.

Breach of Consumer Rights : JPMC failed to provide GAAP-compliant accounting, transparency in account securitization, and disclosures required under the Truth in Lending Act ( TILA ), further mismanaging the account. 

Timeline of Events XXXX : The complainants account was securitized under XXXX XXXX : XXXX, pooled for asset-backed collateral, and traded on primary and secondary markets. 

XX/XX/XXXX : Notice of revocation of Power of Attorney ( POA ) was sent to JPMC, formally asserting fiduciary control over the account. 

XX/XX/XXXX : Forensic audit was initiated, revealing gross mismanagement, non-compliance with tax laws, and undisclosed securities trading. 

XX/XX/XXXX : First Presentment was issued to JPMC, demanding GAAP-compliant accounting, return of funds, and proper processing of receivables. 

XX/XX/XXXX : Second Presentment was issued after JPMC failed to respond, reiterating demands and highlighting findings from the forensic audit. 

XX/XX/XXXX : Third Presentment will be issued, incorporating findings from JPMCs filings and forensic audit. The document escalated claims of willful misfeasance, bad faith, and gross negligence by JPMC and its subsidiaries.
Product: Credit card or prepaid card

I was advised when I got this card that the cycle date was the XXXX  every month. I called in multiple times because there is no app and the statement date kept changing. The representative assured me that my cycle every month the rest of the year would be the XXXX. This month, during the holidays, Im hit with a XXXX bill almost because I went shopping for XXXX  dinner items and gifts after the date my statement was supposed to cycle. This card is paid in full every month due to it being my main home card. All of my house bills and food go on this card. The representative I spoke with initially gave wrong info and the supervisor I spoke with today advised he could not give me the billing cycles for the 2021 year because you do not release those to customers. That isnt internal or proprietary information. Thats withholding information pertaining to my account. I work for a major XXXX  XXXX and we have to provide that if a customer asks for it. How can you expect your customers to accurately budget if your agents can not simply tell them or set a due date. The rolling 72 hour period the supervisor spoke of should not effect the date my card cycles and the charges should be placed on the cycle they were charged on based on the date and time the charge comes through. That should remain unchanged that way I as a consumer, can plan my bills accordingly every month. Bait and switching your customers is absolutely unethical. I signed up for this card for the rewards and switched from XXXX  XXXX. I never had this kind of issue with them. I have multiple major cards and not one of them has a variable cycle date. I am very much considering cancelling this card and going to a reliable institution that can answer a simple question pertaining to my cycle date and doesnt withhold account specific information that I as a consumer am entitled to. Based on the customer service Ive received, I understand why customers would rather not do business with synchrony. This entire situation has been a joke and never shouldve occurred.