23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

In XXXX, Wells Fargo opened various checking accounts that I had no need for, and erroneously charged me for numerous insufficient funds and overdraft fees. 

Then in XXXX, Wells Fargo initiated a foreclosure process on my rental property. The bank decided to send mail correspondence to the property address instead of my home. I was not notified, until much later, that my account was facing foreclosure. 

The news of the foreclosure prompted me to seek assistance in the form of modifications. In my efforts, I submitted a letter requesting loan modification. By the time Wells Fargo responded back to my modification request, my property was already sold. 

Wells Fargo refused to offer me any mortgage modifications, to negotiate, or offer any assistance for that matter. I qualified for modifications, and had funds to make good on the loan payments. Instead, the house I owned for 22 years, was sold due to being behind only {$9000.00}. Even though, I had enough money to avoid foreclosure. 

Wells Fargo showed bad faith, as they wanted to steal ( in my opinion ) the equity the in the property that took my wife and me years of hard work to build. 

Further, on XX/XX/XXXX, Wells Fargo claimed to have no documentation of my foreclosure. The bank could not find any documentation in relation to my mortgage number or my social security number. Currently, the property has an estimated value of {>= $1,000,000}. 

I contacted Wells Fargo Bank to repair the situation. On XXXX XXXX, XXXX, I received a check from Wells Fargo Bank for {$120.00} and a letter stating " Our priority is to make things right for you. '' On XXXX XXXX, XXXX. I had mediation with Wells Fargo Bank, where they provided me with documentation regarding the checking accounts in my name. There was an account listed with a Crown Banking that I was unfamiliar with and Wells Fargo Bank Forwarded no information regarding the Crown Banking account. 

During the mediation process, there was no discussion of the foreclosure, I experienced. I was advised by Wells Fargo Bank that they had no records of a foreclosure. 

Therefore, we did not settle the matter through the mediation.
Product: Credit reporting or other personal consumer reports

I have previously submitted numerous requests to your company to reassess the inquiry on my credit report, which I believe to be erroneous. Are you not obligated to conclude such investigations within 30 days of receiving them? I am aware of instances where companies have accessed individuals ' credit without a legitimate purpose, and I have yet to receive any verification of such reasons from your organization. I have made attempts to reach each of the companies listed, and the majority have no record of me whatsoever. How can they claim a legitimate business purpose to access my credit if they are unaware of my existence? 

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has reported to the XXXX credit bureaus -XXXX , XXXX and transunion that i owe a balance of {$1900.00} for a auto loan. This auto loan was paid in full on XX/XX/15. i've tried many times to talk to this company but they fuse to accept that i paid this loan. I disputed this account with all XXXX credit bureaus multiple times only to have this account verified. Even though i provided them with a copy of the contract payoff. This account is hurting my credit to get a mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

remove fraudulent / unauthorized inquiries from XXXX XXXX XXXX XXXX on XX/XX/2021, XX/XX/2021, XX/XX/2021 off my report with monetary relief for damaging credit score. Or provide proof in writing within 30 days. This is not the last four of my driver license XXXX.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I had SIX late payments on an account in which I was never late. Consumer reporting agencies have taken on a vital role and have the responsibility to report on consumers as accurately and thoroughly as possible. 

I have never been late on payments for the account : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX which was opened on XX/XX/scrub>XXXX. Please investigate and provide evidence with statements proving that these payments were late. 

If no proof can be provided, I demand that these payments be updated to " on time '', as they should be, since I was NEVER late. 

Thank you.
Product: Mortgage

As per complaint #, XXXX was closed because the company agreed to pay me monetary relief of {$510.00} on XX/XX/XXXX. It is now XX/XX/XXXX and I still have not received the {$510.00} monetary relief as promised. Please reopen the case against them. Please see the initial complaint below. 


YOUR COMPLAINT Contacted Embrace to refinance my mortgage in XX/XX/XXXX, I paid for the appraisal and it was ordered by embrace and conducted early XXXX. The process went on for an additional three months. After sending various loan documentation I realized they were stalling, treating me unfairly and discriminating. I provided everything they asked for in a timely manner. After I realized that this re-finance wouldn't get done by them, I requested a refund back for the appraisal and was told It would be refunded back within two business days. After sending several emails inquiring about the status of the refund, I finally received the refund 3 weeks later. I was able to find another company to refinance my loan and was able to use the appraisal that was mailed to me by embrace. Once I submitted it to the new company I was told it was not the complete appraisal. It should be in color and with the SSR. Which should have been supplied to me once paid for and appraisal completed. Via mail or electronic which they held. I contacted embrace and was told that the entire file was sent and it wasn't. First, we were told it would be {$50.00}, that changed to {$510.00}, I originally paid {$460.00} so they withheld the appraisal report and said they would only provide or release it unless I would pay for it again more than the original cost. They refused to take my credit card but stated they would take a check from city worth on my behalf. I paid XXXX {$500.00} and XXXX paid embrace for the complete appraisal. Attached are the correspondence between Embrace, XXXX my current lender and myself verifying these statements. Thank you, XXXX XXXX XXXX
Product: Credit card or prepaid card

Chase bank sold me a 12 day trip to XXXX for XXXX points ( worth {$10000.00} ), now it is impossible to use the trip as per XXXX 's XXXX XXXX XXXX you must be in isolation for 14 days upon entering the country and " A foreigner who leaves the country before the end of isolation with no special approval, violates the laws of the state of XXXX and his next entry will not be approved. '' ( https : XXXX ). 

So basically it would be illegal to take the trip, however, Chase Bank will not give me back my points.
Product: Vehicle loan or lease

I applied for credit through Chrysler capital online and was pre approved for up to XXXX to finance a vehicle on XX/XX/2023. about a week go by I go into the dealership XXXX XXXX XXXX on XXXX XXXX XXXX XXXX Rhode island, one of the participating lenders and bring in my approval letter that I printed from online as instructed. first I ask the dealership do they participate in ( TILA ) Truth In Lending Act. the salesmen name were XXXX and another XXXX XXXX veteran salesman and the other just started. after my question was ignored or not acknowledged told them the car I wanted to finance and then my name and social was asked to be given to complete another credit application after I was already pre approved so after I signed my name on the offer for XXXX down payment they came back and said the bank wants XXXX grand down. a week or XXXX go by I receive an adverse action/denial letter saying I'm denied due to no score. please take into consideration what the law states CODES OF FEDERAL REGULATIONS 1. ) 12 CFR 360.6 ( 2 ) speaks on transparency regarding the process of the consumer credit application being the financial asset.

2. ) 17 CFR 260.11b ( 6 ) as well states that the credit application is a self-liquidating paper.

3. ) 15 U.S. CODE 1605 states the finance charge does not include charges of a type payable in a comparable cash transaction.

4. )
Product: Debt collection

XX/XX/XXXX Fidelity Creditor Service XXXX XXXX XXXX XXXX. 
XXXX, CA XXXX RE : XXXX Debtor : XXXX XXXX XXXX Amount : {$6700.00} original amount of debt To whom it my concern, I would like to contest these above charges, due to me not living at XXXX XXXX XXXX XXXX, since XX/XX/XXXX. The new tenants moved in on XX/XX/XXXX. I was not living in the resident that XXXX XXXX is stating I owe the above amount of {$6700.00}. There is also a balance of {$7500.00}, which I assume is interest. Per the Texas guidelines you are not able to charge interest on a property debt. This is a violation, which is one of the reasons that this should be removed because it doesnt meet the FCRA guidelines. These are some other violations I would like to mention : misstating the balance and never notifying me of the debt. I never received anything from XXXX XXXX or Fidelity Creditor Service stating that I owed a balance and why. There is no proof that I was living in this residence at the time it was reported. After, speaking with XXXX XXXX the representative for XXXX on XX/XX/XXXX, he stated that, I trashed his house. He stated he had pictures and video of the residence, that he would provide to me, but he never has. I have reached out to him and his sister on several occasion with no response. He also stated that he had to put the tenants up in a hotel, I requested those receipts and the extension of the rental truck that they had rented to move. He has not produced any of this information. He never gave me a date that the house was trashed, but you could clearly see where I was living from XX/XX/XXXX to present by looking at my credit report. Why would XXXX XXXX wait a year and a half to report this to Fidelity and not send me this information to my email address, which he has had and also my phone number? Without proper proof that I was living there in XX/XX/XXXX, I request that this item be removed from my credit report immediately. The FCRA 609 and 611 violation reads : Section 609 of the FCRA gives consumers the right to request all information in their credit files and the source of that information and Section 611 ( a ) of the FCRA requires a CRA to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate. Creditor if he has provided you the video and pictures, I request that you send this to me at the address that I have provided XXXX XXXX XXXX XXXX XXXX, Texas XXXX or my email address is XXXX I have lived here since XX/XX/XXXX, prior to that I was living with family at XXXX XXXX XXXX XXXX XXXX, Texas since XX/XX/XXXX. This debt is not something that I incurred. I would like this item mention above to be reinvestigated with proof that I incurred this charge with pictures, video and receipts from the landlord for the repairs of the damage home. Please remove this derogatory item from my credit report or send proof of why this debt has been put on my report. 
Thank you, XXXX XXXX.
Product: Credit card or prepaid card

Please review the attachement which has been sent via certfied mail to Comenity Capital Bank BJ 's My Perks MasterCard
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Violation of Consumer Rights, Privacy Act, FCRA, and Consumer Protection Act I am writing to officially register a complaint against [ Credit Reporting Agencies Attached to this complaint / Financial Institution attached to this complaint ] for significant violations of my consumer rights, privacy act rights, the Fair Credit Reporting Act ( FCRA ), and the Consumer Protection Act. This complaint is submitted in accordance with the relevant legal provisions and is based on the following grounds : 1. **FCRA Violations : ** - As a federally protected consumer, I hereby exercise my right to opt out of any and all authorization for the disclosure of my nonpublic personal information, in accordance with 15 USC 6802.

- Per 15 USC 6803, [ Financial Institution attaches to this complaint ] failed to provide the required notice or disclosure regarding the sharing or selling of my private information to non-affiliated agencies, such as consumer reporting agencies.

2. **Consumer Reporting Agencies ( CRA ) Violations : ** - [ Credit Reporting Agencies , e.g., XXXX XXXX XXXX XXXX XXXX XXXX, are non-affiliated third-party entities that have violated my privacy by accessing and sharing my personal information without explicit consent. 

3. **Privacy Act Violations : ** - Violation of my rights under the Privacy Act ( 5 USC 552a ) by [ Financial Institutions and CRAs ] through the willful sale and sharing of my nonpublic information without proper permission and notice.

4. **FCRA Compliance Failures : ** - [ Credit Reporting Agencies and Financial Institutions ] failed to maintain reasonable procedures to ensure users had permissible purposes for accessing reports, assure maximum possible accuracy, and provide FCRA-mandated User Notices.

5. **CFPB Enforcement Action : ** - Reference to the recent enforcement action against XXXX by the Consumer Financial Protection Bureau XXXX CFPB ) on XX/XX/2022, highlighting concerns about the industry 's compliance with the law. 

6. **Damages and Legal Remedies : ** - Due to the failure to honor my opt-out requests per 15 USC 6802, I have suffered traumatic emotional, financial, and physical damages, necessitating legal redress.

7. **15 USC 1681n- Civil Liability : ** - Pursuant to 15 USC 1681n , I seek civil liability for willful noncompliance, including actual damages, punitive damages, and legal costs.

8. **Dodd-Frank Act Violations : ** - Asserting that [ Credit Reporting Agencies and Financial Institutions ] are engaging in deceptive acts or practices, violating consumer financial laws under the Dodd-Frank Wall Street Reform and Consumer Protection Act.

In consideration of the aforementioned violations, I request a thorough investigation into this matter and a detailed response outlining the corrective actions taken. Attached herewith are supporting documents demonstrating the unauthorized sharing of my personal information.

I am prepared to pursue legal avenues for resolution if necessary. Your immediate attention to this matter is appreciated, and I anticipate a timely resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXXXXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of XX/XX/2022, Equifax XXXX XXXX XXXX XXXX has not responded my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity, comments and Status of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i believe it was reporting in error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX  XXXX  XXXX**** ; XXXX XXXX XXXX XXXX  XXXX**** ; XXXX/XXXX XXXX**** ; XXXX/XXXX XXXX****
Product: Mortgage

We have been in Loan Modification mode with this " Company '' for six + years, paying " interest only '' modifications that must be re-approved every two or three years, or the mortgage will convert to a " Post Modification '' rate of 6.99 %.
Our goal has been to secure a fixed modified rate, based on current conditions, for the life of the loan, and think that six + years is long enough to evaluate a client.
The last offer from this " Company '' as of this month ( XXXX XXXX ) was for another " Short Term Interest Only Modification '' for five years@4.375 % which, again, converts to 6.99 % after the five year term.
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We are tired of having to go through Loan Modification XXXX XXXX with this " Company '' and are complaining about how we have been treated over these past years.
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We purchased this house with a Conventional mortgage, not wanting to get involved with the then XXXX/XXXX stuff going on in the government. Unfortunately, all the programs available for permanent modifications to one 's mortgage due to the " underwarter '' situation created in XX/XX/XXXX-XX/XX/XXXX, are only available to the ones that have XXXX/XXXX  loans, that of course our taxes pay for [ the programs ] and we do n't have access to.
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We think a fair offer, considering all we have been through with this " Company '', and considering the market that the housing " bubble '' caused, and considering our Conventional Loan mortgage, would be at least a two to five year interest only modification at 4.375 % converting to 4.375 % Principle/Int/Tax/Ins Loan for the life of the loan. Consideration would be nice ... .I guess there 's foreclosure
Product: Credit card

On XX/XX/XXXX I opened my credit card, XXXX XXXX  through capital one. There was a promotion to receive XXXX amount of miles when you spend XXXX  amount of dollar within the first 3 months. Although I was able to complete this, I never received my reward. The first phone call I made to customer service was just after the promotional time limit, the agent informed me I should see my rewards within 2 weeks. It is now XXXX and I still have not received any additional miles from the promotion. I called again today and the representative told me she is aware of the promotion but I did not qualify and claims although I qualified for the card my credit score was too low to qualify for the promotion. I believe this is false advertising and predatory.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XXXX. 0pened XXXX XXXX. This is not my debt. Someone else used my identity. XXXX XXXX XXXX   {$830.00} XX/XX/XXXX XXXX XXXX XXXX XXXX - XXXX XXXX {$500.00}. XXXX XXXX XXXX. XX/XX/XXXX. XXXX medical bill. Va paid it. {$890.00}
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 'S findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety. I am a single mother of XXXX that is struggling to make ends meet therefore i can not afford to lose out on any of my financial stability in order to provide for my children. This is deeply concerning.
Product: Credit card or prepaid card

I have noticed that my interest rate has gone up approximately by 5 % in the last XXXX with no notification or reason. I have contacted the credit card company and I was not provided a reason. I have always paid on time and I am being penalized, with a higher rate for no reason. I would like my rate explained as well as adjusted.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint with the CFBP regarding fraudulent accounts that have been inaccurately reported on my credit report. These fraudulent accounts are damaging my creditworthiness and financial standing, and I am seeking your assistance them promptly removed. Under the provisions of the Fair Credit Reporting, I am entitled to accurate and up-to-date information on my credit report. It has come to my attention that the following fraudulent accounts have been reported : Account name : XXXXXXXX XXXX XXXXXXXX account number XXXX Date opened XX/XX/year> I did not open or authorize accounts, and they are the result of identity theft or fraudulent activity. I have taken the necessary steps to dispute these accounts with respective creditors, but to no avail. Despite providing evidence of the fraudulent nature of these accounts, they continue to negatively impact my credit report and financial well being. I am requesting that the Consumer Financial Protection Bureau intervene in this matter and facilitate the removal of these accounts from my credit report. The CFPB mandates that credit reporting agencies ensure the accuracy and integrity of the information they report, and it is clear that these accounts do not meet that standard. All of these accounts must be removed from credit report.
Product: Credit card or prepaid card

A few weeks ago, my husband and I received in the mail what we believed to be replacement credit cards for our XXXX XXXX/Care Credit credit cards. We applied initially for Care Credit a few years ago to help us when we run into the occasional incidents where we have medical, dental, or veterinary expenses that exceed our out-of-pocket financial abilities at that time and the cards are used VERY rarely, MAYBE once every 1-2 years. Anyway, we received two cards from Synchrony/Care Credit that we believed to simply be replacements for our existing cards. The cards had the standard stickers on the front to call and activate them, so I did so and did not encounter anything that seemed out of the ordinary or unusual from any other time I've ever received new cards from any other bank/credit card institution. I believe that the new cards were just that, new cards ( possibly with an increased spending limit, I don't recall ). In the past when I've encountered such circumstances with other such credit companies ( like XXXX XXXX ), a new card or an increase in spending limit does not equate to a whole new account being opened. However, today I received notice from XXXX XXXX ( via a feature that I use to monitor changes in my credit ) that a new account had been opened in my name and it had adversely impacted my credit score. Upon review, Synchrony/Care Credit had closed my prior account with them and had opened a whole new account for me and my husband when I activated the new card. The closing of one account and opening of another dropped our credit scores. I immediately called the credit bureau ( XXXX, in this case ) and reported this issue as a dispute on both of our credit reports. At the advice of the credit bureau, I also called Synchrony/Care Credit to ask why they had closed my old account and opened a new one as opposed to just giving me the new card/increasing my limit on my old account. I was advised, basically, that they had sent me fine print or a " disclosure '' that had informed me this is what they would do. Respectfully, I am a XXXX  XXXX XXXX and maintain this designation actively. I XXXX XXXX and XXXX for a living. I am far more savvy and attuned to these sorts of things than the average consumer. So if I fell for this, I imagine many other consumers are as well. I don't think what Synchrony/Care Credit did is honest/ethical and I certainly would not have consented to opening a whole new account with them for a card that I do not maintain a balance on and use incredibly infrequently and only for certain specified purchases. I feel this practice of sending account holders mail that looks like just new cards is a dishonest and questionable business practice.