23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am lodging a complaint against Wells Fargo. I have tried to modify my loan with them for about three years. I never get follow up I 'm always playing phone tag and they are not helpful at all. This past Sumer they offered a workshop in XXXX NJ, At that time I met with an under writer and they told me they where going to get me into a better mortgage with a traditional loan and a lower interest rate. I was so excited and felt they where really going to help. My trial period began in XXXX but the payment went from XXXX to XXXX. 
I was shocked. They told me it was to get me caught up. A new payment amount will be lower when the trail period ends. To my shock, the new payment only when down XXXXDollars??? Now when trying to get answers there was little information they could offer. 
I stated to them they have to reduce my interest rate in order to get me an affordable payment. I stated I was contacting the CFPB and boy did their ears perk up! 
This was on XXXX/XXXX/15 that I received my new modification and also on XXXX I called them. 
Later that evening a received a call from a customer service rep. concerned about the conversation I had earlier that day. He told me he would get back to me within 5 business days. That never happened!! My paper work from the modification stated that they needthe modification signed and returned within XXXX business days or it could go null and void. 
On XXXX I left XXXX messages XXXX with XXXX XXXX my specialist and with XXXX XXXX XXXX from customer service. I never heard back. Knowing I had a dead line XXXX/XXXX/15. I sighed the modification and mailed it off. Today, XXXX/XXXX/15 I receive a phone call from XXXX. He started the conversation off my saying he had information regarding my loan. I though maybe he worked out a lower interest rate with the underwriter but during the phone call hestopped himself, as if he was reading something, and stated he JUST noticed I returned themodification paperwork and by signing and returning it that must mean I agree to the terms. 
I explained to him I had a deadline and was afraid that the modification would be voided. 
I stated I 'm not happy with my new terms. He got real squarely!!! 

I have been miss lead and miss treated be this bank. They think they helped me myreducing my interest rate from a XXXX to a XXXX rate. Really, that 's all they could do. I think they are really playing games. A friend told me about CFPB and said it was established to help consumers when they feel trapped and no where else to turn. I am going to hopefully be in this house for a long time and would like to pay a more reasonable payment. Being on permanent XXXX hinders our financial situation. I came down with XXXX and our medical bills are through the roof. Along with raising XXXX young children in this difficult financial time, we could use all the help we can.
Product: Credit reporting or other personal consumer reports

INFORMATION is showing on my credit report and i did not business with the company
Product: Checking or savings account

On XX/XX/XXXX th a refund for XXXX from XXXX XXXX  ( the vendor ) was issued to my account that had been closed. The account was from citi bank it was XXXX. I had recently closed the account a few days prior. I had called the vendor and explained this but they said nothing could be done. I was told that the bank would return the funds to them and would be issued back to me in the form of a check from XXXX. I called the vendor several times over the next few months in an attempt to get an update. I called today XX/XX/2021 as well at XXXX XXXX XXXX  They said the bank has still not returned the refund and will try to escalate it by contacting them. I called citibank as well and was told it could take months. It has been months. Recently I was issued a refund for concert tickets from XXXX The purchase was for XXXX. Refunded on XX/XX/XXXX. The same thing happened as I had purchased the tickets a year ago so the card on file was with citi bank and or my current bank. The purchase was made through XXXX. I called XXXX for help was again forward to my old bank. I called and inquired about this. They said as soon as they receive the refund they will return it. Im worried i will not get either of my refunds because I am not being heard and am playing tennis with vendors and my old bank. The common denominator seems to be citibank. Please investigate or encourage them to follow through with the return refunds. This isnt right. I am a city government employee who frequently puts myself at risk to serve XXXX and a big bank is just stealing my money XXXX XXXX!
Product: Credit card

have been a Chase United Milage plus explorer for a long time, I had no issues till recently, when I found a charge of XXXX $ XXXX in one day dated XX/XX/2016, The XXXX documented as XXXX.TX, I talked to customer service and they first told me they will send me a refund for the total of XXXX $ refund check ; when I did not see the check I called and was told that this charges are fraud and they will open an investigation on it, I kept on calling for follow up and I was told although the charge is reflected on my statement I do not have to pay util they evaluate ; on further contacts with them I was told this was not a fraud but a dispute, and they will look into it, until XX/XX/2016 I received a letter stating that I had authorized those charges, and have to pay for it! 
I am attaching the letter and the charges indicated in it for your information, Sorry about the doodles in it I did not know I will end up sending this to you, those doodles are a small part of my communications with them, I have called Fraud dept several times and dispute department several times, last call was last night with dispute department the agent connected me to the charging merchant XXXX XXXX XXXX after several rerouting we were told that those charges are not originating from XXXX XXXX XXXX. 
I have many issues here : 1 ) When such aberrant charge occurred on XX/XX/2016 x XXXX on the same day why Chase card services did not alert me? 
2 ) If XXXX XXXX XXXX states that the charges were not originated by them why the letter says that I authorized the charges? authorized who? 
3 ) Why customer service, fraud department and dispute section gave me run around transferring me from one dept to another and to XXXX XXXX XXXX? last call took exactly 2 hrs 4 ) When customers pay a yearly fee are n't we suppose to be helped rather than asked to directly talk to the merchant? 
I appreciate if you look into this and ask card services to credit my account on the total amount of XXXX $ XXXX for I have not authorized any such charges. 
Thanks Sincerely XXXX XXXX Scanned Image chase.tiff
Product: Mortgage

I am working w/a HUD Approved Counseling Agency to get a modification on my mortgage w/Wells Fargo. The following has transpired : 1. HUD Agency submitted all required documents to Wells Fargo, via faxed on XXXX/XXXX/15 - we have a fax confirmation showing delivery. 
2. On XXXX/XXXX/15 I received a letter from Wells Fargo with a copy of the " Third Party Authorization & Agreement to Release '' that was provided to them by the HUD Agency stating, " we are unable to identify/process the attached request due to the reason ( XXXX ) indicated below : Please provide the last XXXX digits of the borrower 's SSN or tax ID. 
XXXX. On XXXX/XXXX/15 I hand wrote the info onto Wells Fargo 's letter & faxed it them, as requested. We have a fax confirmation showing delivery. 
XXXX. As if XXXX I NEVER received a letter from Wells Fargo acknowledging receipt of my modification request and/or if I was approved or denied for same, as required by law. 
XXXX. On XXXX/XXXX/15 the HUD Agency called Wells Fargo - XXXX XXXX, & was told they DID receive the docs on XXXX/XXXX/15, BUT it was denied because they " thought '' the documents were in response to an appeal - I NEVER FILED AN APPEAL as I NEVER accepted the offer made because I was working with the HUD Agency XXXX Wells Fargo was aware of this because I called them and told them. XXXX XXXX assured HUD Agency the file would be passed on to the " reentry department '' for consideration. XXXX XXXX told HUD Agency Wells Fargo would contact me directly. 
XXXX. On XXXX/XXXX/15 HUD Agency refaxes same documents but included updated paystubs & bank records just to be safe. We have a fax confirmation showing delivery. 
XXXX. On XXXX/XXXX/15 I received a call from XXXX in the " reentry division '' @ Wells Fargo stating she needed more information from me. When I called back, I spoke with XXXX ( I was told she did not know who XXXX was XXXX & XXXX said that " my request for a modification was denied because I failed to make the trial payments. '' I told her I NEVER agreed to make any trial payments because I was working with the HUD Agency. XXXX said she knew NOTHING about a HUD Agency & that Wells Fargo did NOT have any paperwork from a HUD Agency. She also said that it did not matter because " I could not now be considered for a modification because I failed to make the trial payments & that they will begin foreclosure on my home. '' I asked XXXX to put me through to someone in the reentry department and she had no clue what I was talking about. I told her about the message that XXXX left me stating that Wells Fargo needed " more information '' but she said she could not help me - my modification request was DENIED. 
8. As of XXXX/XXXX/15, I STILL have never received a letter from Wells Fargo acknowledging that the HUD Agency is involved or that they accepted or denied my modification requested based on the HUD Agency 's involvement. 
9. Wells Fargo has violated the law relative to the HUD Agency 's involvement & for refusing to consider my request for a modification and/or by not notifying me, in writing, of same.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX  paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Debt collection

On XX/XX/2022 a collections account with a balance of {$600.00} was opened under my name from a company called MRS BPO. It says the original creditor was XXXX XXXX XXXX. I have not heard of either company and do not owe any bills to them. I haven't received anything in the mail regarding any debt owed by either of these companies. I believe they sent the collections to the wrong person and I want this report removed from my record immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XX/XX/2020 I was made aware of a few accounts on my credit report that do not belong to me. The accounts are from these companies XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX & XXXX XXXX   XXXX. I have never opened an account with any of these companies nor did I benefit anything from these accounts that were opened in my name without my permission such as money, goods, services or any other benefit nor did I ever make any payment towards these accounts. I do not have any written/verbal contract with these companies and I never allowed them to run my credit. I don't know who is responsible for opening these accounts without my authorization but I have already filed a police report in hopes of getting my name & credit reputation cleared.
Product: Credit reporting or other personal consumer reports

the inaccurate information being reported on my credit file related to two closed accounts with XXXX XXXX XXXX XXXX ( Account Number : XXXX ). Under 15 USC 1681m, 16 CFR 313.10, and 16 CFR 313.1, I have the right to dispute and correct any inaccuracies on my credit report, as well as prevent unauthorized sharing of my nonpublic personal information with nonaffiliated third parties, as outlined by the Gramm-Leach-Bliley Act, Section 504 ( a ) ( 1 ) ( C ).

A nonaffiliated third party is defined as anyone except ( i ) your affiliate or ( ii ) a person employed jointly by you and any company that is not your affiliate ( but includes the other company jointly employing the person ). Additionally, any company that is considered an affiliate through ownership or control of merchant banking or insurance activities as defined in Section 4 ( k ) ( 4 ) ( H ) and ( I ) of the Bank Holding Company Act ( 12 U.S.C. 1843 ( k ) ( 4 ) ( H ) and ( I ) ) falls within this definition.

Nonpublic personal information refers to personally identifiable financial information, including any list, description, or grouping of consumers derived using nonpublic information. As mandated by 15 U.S. Code 6801, financial institutions must respect the privacy of their customers and maintain the confidentiality and security of nonpublic personal information. 
Specifically, XXXX XXXX XXXX XXXX is still reporting incorrect information across all three major credit reporting agencies, including TransUnion. The two account opening dates and balances differ between TransUnion, XXXX, and other agencies, as detailed below : Account Opening Date : TransUnion states I opened both accounts on XX/XX/year>, while XXXX reports a different date. 
Balances : TransUnion and XXXX are reporting conflicting balances for the same XXXX accounts, which is impacting my credit utilization. 
Additionally, TransUnion is reporting these two accounts as closed, whereas XXXX and XXXX have reported them as charged off. According to 15 USC 1666 ( a ) ( b ), reporting adverse credit ratings for a closed or charged-off account is incorrect, especially regarding utilization.

Moreover, 15 USC 6802 requires that before a financial institution discloses any nonpublic personal information to a nonaffiliated third party, it must provide the consumer with a clear and conspicuous notice and allow the consumer the opportunity to opt out of such disclosure. I have not received any such notice, which is a violation of my rights under 16 CFR 313.4.

As outlined in 15 USC 6802 ( c ), any nonaffiliated third party that receives nonpublic personal information is prohibited from disclosing that information to another nonaffiliated third party unless such disclosure would be lawful if made directly by the financial institution. Additionally, 15 USC 6802 ( d ) restricts the sharing of account numbers for marketing purposes without the explicit consent of the consumer.
Product: Credit reporting or other personal consumer reports

This morning, I discovered incorrect accounts on my credit report, and I have no clue how they got there. I routinely check my credit report, but this time, unexpected discrepancies appeared. I even refreshed my browser, thinking it might be a glitch, but the errors remained. Due to this issue, I request a thorough review of the documents Ive submitted so that I can put this concern behind me for good.
Product: Vehicle loan or lease

I previously logged a complaint with the CFPB regarding the failure of Synchrony Bank to release a claim for a Pay Pal Credit account. I given the name and phone number of a bank representative : XXXX XXXX Senior Specialist, Corporate Consumer Relations Synchrony Bank XXXX : IID XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Telephone Number ( XXXX ) XXXX, extension XXXX XXXX sent a reply to CFPB stating someone tried to reach out to me via phone. I did not receive any messages from Sychrony Bank. In Synchrony 's reply to the complaint I was informed that I needed to fax my memorandum title information to the lien department of Synchrony Bank. I faxed the information multiple times before and after the complaint was filed and Synchrony responded to the complaint. As of this date XX/XX/2022 there has been no release of lien or release of claim submitted to the state of Ohio or directed to me.
Product: Credit card

In XXXX XXXX, I notified Macy 's credit card and fraud department regarding unauthorized charges on my account. They requested that I submit a fraud statement, in which I did and turned in at the end of XXXX XXXX. I was told the investigation would take 60-90 days and my fraud charges should be reversed. It is now XXXX XXXX, 150 days has passed and I am still receiving billing statements with accruals of interest and late fees. I have followed up with the fraud department each month, and every month, they promised to have it clear the next month. I am at my wits end and feel Macy 's fraud department is giving me the run around. I am need of help to protect my credit and my rights!
Product: Credit card or prepaid card

I received an alert from XXXX that my credit score dropped XXXX points, from XXXX to XXXX, when I looked at my report I find that XXXX has reported the wrong balance to XXXX, they reported {$1300.00} when in fact my current balance on XXXX was {$370.00}, this increased my credit utilization by 5 % and thus lowered my score. When I called customer service they claim that Goldman/Marcus is not yet reporting anything to the credit agencies but my report clearly shows its Goldman and XXXX is marked paid on XXXX which is accurate. 

GOLDMAN SACHS AND CO Exceptional payment history {$1300.00} Balance updated XXXX XXXX, XXXX  > looks like they reported the wrong year
Product: Debt collection

We called this company ( they said their name was XXXX, I'am not sure that is spelled correctly ) - We gave them our name and said the debt is " not ours, & that person does not live here!!! XXXX. - They still keep calling & leave messages on our answering machine. 
We have had enough!!!!!!!!!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent XXXX a letter disputing the validity of the bankruptcies they are reporting on my credit report. They never responded back to me and updated the bankruptcies as " verified and accurate ''. I then went back to XXXX on XX/XX/2022, showed them the deleted bankruptcies from XXXX XXXX informing them that if they could not reveal how they truly verified this item then it needs to be deleted from my according to the FCRA. They have once again refused to delete these items which is imploding on my ability to purchase a home and causing me to pay thousands more in interest every year. XX/XX/2022 XXXX just updated there report and say the Items will remain due to being verified and accurate. Even though they are still saying they are verifying this from XXXX XXXX and with me sending them proof its unverifiable and it was deleted from XXXX XXXX report. These items needs to be deleted from my credit report if it can not be verified within 30 days
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax should not be reporting a collection/charge off in the amount of {$210.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The original creditor was XXXX and this company has long since gone out of business. I was never late on this account and this account had no balance due. I never received any correspondence from XXXX that this account was in jeopardy and only became aware that this account was erroneously placed in collection was when I obtained a most recent copy of my credit report. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed. I have contacted the bureau to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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
Product: Credit reporting, credit repair services, or other personal consumer reports

To who this may concern, I am a victim of Identity theft. There were fraudulent accounts opened up in my name that I request be removed from my report. I can't move on with my life. My wife and kids are dependent on me and I need you to help me. I have filed a report with the FTC that is attached with my ID and a notarized letter stating the accounts that are fraudulent on my credit report to prove my Identity that it is me.
Product: Prepaid card

XX/XX/year> my account was hacked from Cash app via several people I immediately locked my account but they had already figured out a back door using Cash app to my Navy Federal account where they were they stole {$9600.00} from me end up costing me {$12000.00} in total in fees from my credit union. I have tried to talk to Cash app and my credit union about this matter for an entire year back-and-forth with letters to my credit union and eight complaints to cash app. Finally cash app said they were not going to pay me back my funds that they are allowed to be hacked from me.they had to replace my card # they admitted that the hack happened and just changed my card #
Product: Vehicle loan or lease

My sister, XXXX XXXX, purchased a car for XXXX and a finance of 19 % for 72 months, which equals XXXX. It has now been 10 years ( not 6 ) and she has paid XXXX and Regional Acceptance says she owes XXXX more, which will total XXXX for 2012 XXXX XXXX. 
They are violating MD Law 14-315 f ii, which states loaner can only charge 1.5 % of the monthly payment for late fees. 

She will sue them in court as well.
Product: Credit reporting

I have called XXXX several times. My health insurance paid a bill that is on my report as collection. XXXX does not seem to care and this is reflecting a job offer. XXXX XXXX XXXX, XXXX ignored letters from my XXXX XXXX Insurance requesting additional information. XXXX has on file the amount of times they notified XXXX XXXX XXXX. I called XXXX several times and one time to tell her that I drove down to XXXX XXXX XXXX to obtain copies of the visits to send XXXX. I then let XXXX know that XXXX has everything they need and will process and pay the claims. XXXX ignored my communication and sent it to collection. XXXX XXXX XXXX refused to refill my prescriptions until I paid the invoices. XXXX has paid them and they have cashed the checks. XXXX has said several times that she reversed the collection. Each time I call the collection agency they state no one from the office will confirm. Meanwhile this is on all my credit reports when in fact I am owed money.