23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We are in an ARM mortgage signed wth WELLS FARGO in XXXX. First rest was XXXX. Rates were low thru XXXX and XXXX, so we paid no mind. On XX/XX/XXXX of XXXX the rate moved from 2.5 % to 4.5 %. On XX/XX/XXXX the rate moved to 6.5 %. And on XX/XX/XXXX the rate they are asking for went to 8 %. I began to look at our XXXX contract when I saw that last reset. I found we were orginally tied to the LIBOR rate. I went online and saw plain as day that the LIBOR was retired, and the guidance from the Federal Government was to replce with the XXXX rate. But Wells is using a vaguely know rate called the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This was an arbitrary choice by Wells, as I see it. No letter. No bargaining or shopping for a better rate, and no way of knowing of the 2.25 % margin that our contract specified was indeed being earned by Wells, or if it much they are making now.

However. there are more complaints % vs Wells than any bank, and also, they were close to bankruptcy in late XXXX and now they are fine. So maybe this complaint multiplied by the size of the USA is why they turned things around. In other words, their clients are possibly paying for their CEO pay. 

We began paying less than the full amount requested, always making sure that the interest they are asking for was paid at least. 

I have looked up the SOFR rates on XX/XX/XXXX the agreed upon date of reset. It was under 1 %. You can look it up yourself at https : XXXX If we can enforce and insist that SOFR be used ( there is no guidance in the contract except " another comparable index will be used if one is retired " ) then the rate in XXXX should have been .9 % plus 2.25 margin or 3.15 rounded to nearest eighth ( as per contract, which I can provide ). That's 3.125 and not 4.5. That means XXXX owes us for the full payments we made from XX/XX/XXXX thru XXXX of XXXX. At 1.375 % of XXXX XXXX ( the approxomate mortgage amount then ) that is XXXX and likely more. The same happens from XXXX to XXXX. It seems to us that if the SOFR were used since XXXX ( and we aree sure Wells themselves did not borrow money at higher rates than the SOFR- this is just interest rate gauging ) that we are owed as much as XXXX to XXXX XXXX which should be applied to the loan. 

XXXX of this above checks out mathematically, provided that Wells must use the " comparable and recommended rate '' the SOFR. We don't wee how they get to choose rates when one is retired. And especially if the rate they choose is 1. obscure 2. higher than rate the FED recommended to use to replace the LIBOR 3. Allows Wells to earm more than the 2.25 % margin. ( We'd have to see where they borrow their money from in interrogatories for that. Legal stuff. ) But I do think this is a class action lawsuit vs Wells and it would not be the first one. 
They have not followed FED 's guidance. We are paying more than we would have had they follwed Fed guidance. They went from almost bankrupt to swimming in money in 2 years. ARM mortgage manipulation was one of the main reasons the FED retired the LIBOR. That and it did not reflect what banks actually borrow money at.
Product: Checking or savings account

On XX/XX/2024, I visited the XXXX XXXX area of XXXX, XXXX XXXX XXXXXXXX to go to a department store. After exiting the XXXX  near XXXXXXXX XXXX on XXXX XXXX ( XXXX XXXX XXXX ), an unknown male approached me, claiming he had a knife and would use it if I didnt comply. He forced me to accompany him to the Bank of America branch ( XXXX XXXX XXXX  ) and demanded I withdraw {$500.00} from the ATM. I complied out of fear for my safety, as I only had around {$580.00} in my account. He also coerced me to deposit a fraudulent {$990.00} check, then took the {$500.00} and fled. 

Once I felt safe, I reported the incident to a staff member at the Bank of America branch, but I was incredibly disappointed with their response. The staff was unhelpful and showed a lack of empathy, simply advising me to call the fraud line. I followed their advice, had my card canceled, and reported the crime at the XXXX XXXXXXXX XXXXXXXX  ( XXXX XXXX XXXX XXXX XXXX Officers took my statement and drove me around the area to search for the perpetrator, but he was not found. They then spoke with bank staff to obtain CCTV footage. 

On XX/XX/2024, the XXXX informed me that they had arrested and charged the perpetrator with first-degree robbery. I am awaiting further information on court hearings. 

On the day of the incident, I filed a fraud claim with Bank of America ( Claim number : XXXX ), but it was rejected. The bank contends that I willingly withdrew the {$500.00}, but I did so under duress. I am also disappointed that Bank of America refused the claim without conducting a thorough investigation. Additionally, I reported the fake check to the bank on XX/XX/2024, to ensure it was canceled. 

I have attached copies of the XXXX crime report, the order of protection from the XXXX XXXX XXXX, and Bank of America 's response to the claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of inquiry issue. 

Transunion : XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX/XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  : XXXX/XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX I AM NOT SURE WHAT THESE INQUIRIES ARE FOR, BUT I DID NOT GIVE THEM PERMISSION TO CHECK MY CREDIT OR GIVE ME AN INQUIRY. I WOULD LIKE THEM REMOVED FROM MY CREDIT REPORT. I CALLED TRANSUNION / XXXX   CUSTOMER SERVICE AND TOLD THEM ABOUT MY SITUATION BUT THEY DID NOT WANT TO HELP ME OUT AND DID NOT WANT TO TAKE CARE OF THE NEGATIVE INQUIRIES ON MY CREDIT REPORT
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Complaint Regarding Experian 's Improper Deletion of a Closed Account in Good Standing To Whom It May Concern, I am submitting this complaint to request an investigation into Experians improper deletion of a closed account in good standing from my credit report. Specifically, Experian removed my XXXX XXXX credit card account, which was an essential component of my credit history. This action is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to maintain accurate and complete credit information. 
The deletion of this account undermines the accuracy and integrity of my credit report and negatively impacts my credit profile. As a closed account in good standing, this account should have remained on my credit report for up to 10 years from its closure date.The deletion year for this account is XXXX. Experian has failed to uphold its obligation to report accurate and complete information about my credit history. 
I am attaching screenshots and supporting documentation for your review. These include : A record of the deleted XXXX XXXX accounts removal. 
Recent credit Screenshot showing it was present. 
Correspondence with Experian requesting clarification and resolution and restoring my account. 
I request the following actions from your office : Conduct a thorough investigation into Experians handling of this matter, including their decision to delete this account. 
Determine whether this behavior is part of a broader pattern of failing to maintain accurate and complete credit information. 
Take steps to ensure Experian restores the deleted account to my credit report and complies with the FCRA moving forward. 
Experians actions have caused significant frustration and concern. I trust that the Consumer Financial Protection Bureau will address this matter promptly to prevent further harm to myself and other consumers. 
Thank you
Product: Credit reporting or other personal consumer reports

I am writing to address an issue on my credit report regarding late payments reported for XXXX, XXXX, and XXXX on my XXXX XXXX  account ( Account Number : XXXX ). As someone who takes financial responsibilities very seriously, it is essential that my credit report reflects accurate and truthful information. 

I request a comprehensive investigation into these reported late payments. It is important that, before any updates are made to my account, I receive concrete proof of your findings. Additionally, I expect a detailed explanation of the verification process that was followed to determine the accuracy of these reports. Relying solely on assumptions or hearsay is unacceptable. 

I ask that these late payments be corrected immediately to reflect the accurate payment history. Ensuring the integrity of this information is of utmost importance to me. 

As me the person who credit file this is, is providing you with proof these need to be removed now
Product: Credit card

Bridgit is reporting to credit bureaus that the account is still opened and have an balances when in FACT it's closed
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demanded to see verifiable proof ( i.e. : an original consumer contract with my signature on it XXXX that XXXX, XXXX, and Experian have on file for particular accounts. 
Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts. 

I submitted a 30 demand to comply letter stating the 30 day time period for investigation has elapsed. XXXX, XXXX, and Experian are in Default and the items requested must be removed immediately.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer. Capital One has cited technical issues, which may violate the EFTA as it requires timely access to funds. This situation raises concerns about the consumer protection laws, and I am asking for your assistance in investigating this matter to make sure that my rights are being upheld.
Product: Debt collection

I received a notification by mail from collection regarding toll fees that need to be paid for that amounted to {$210.00} in total. Ive already paid the fee on XX/XX/2018, this is about 2 months ago now, and have a confirmation email and a reference number to prove my statement. Ive contacted FTC to speak about the issue and the representative I spoke to told me to file a complaint. As you can see from the picture sent, its the same amount and violation number.
Product: Credit reporting or other personal consumer reports

I signed up for 2 month deferral and they granted it to me mid XX/XX/2023 after i lost my job but they did not complete the paper work in their system ... so around mid XXXX they sent me a letter i was in default and in a few days would repo mycar ... so they approved me again for the 2 month deferral and I saved my car from being taken and they still ruined my credit in 2 areas on my XXXX XXXX for all bureaus .. and will not fix it.. i took a huge dip in my scores because of them and this one area still says i was late in hte 30 to 60 day area and that is ruining my good name of years of on time good payments with all creditors and i am trying ot buy a house very soon.. I demand they fix all areas that show any thing negative about me and reverse the comments back to never late etc..
Product: Credit reporting

Disputed statue of limitations of tax lien which has been paid to the State of CA for over 4 years now. Tax lien was placed on my credit reports on XXXX/XXXX/XXXX. XXXX reporting agency has since removed the lien judgement form my report. Transunion is refusing too, stating that the lien will stay on my report for an additional two years because it was paid off in XX/XX/XXXX. They give this reasoning based on the FCA, but what I have read states that if the lien has been paid that it is only supposed to stay on your report for seven years from the date that the lien was issued. Please assist. I do not know what else to do to get this inaccurate information removed form my Transunion credit report.
Product: Mortgage

On XX/XX/XXXX, my mortgage was supposed to automatically withdraw the monthly payment. On XX/XX/XXXX, I logged into my account and there was NO SIGN OF A PAYMENT BEING PROCESSED FOR THE MONTH OF XXXX EITHER IN THE PAST OR PENDING PAGMENTS. There was a box that indicated the next automatic payment would be processed on XX/XX/XXXX. I then made a payment on XX/XX/XXXX since one had not been made. On XX/XX/XXXX, I logged into my account once more to double check. I was then able to see that two payments had been made-one auto payment and the one-time payment. At this point I called PENNYMAC and was instructed to notify my bank and request a stop payment. The supervisor at PENNYMAC said they would also issue a refund for the other payment and that my account would then be current. They also stated that they were currently submitting a formal complaint and that the app developers would be made aware of the incorrect information regarding automatic payments on their app. On XX/XX/XXXX, I made a full XXXX payment once again and this was posted through my bank as I had noticed that both payments were reversed. On XX/XX/XXXX, I received a message from PENNYMAC that my payment was not processed due to my account being frozen. When I logged in to check, there was record of a payment posted on XX/XX/XXXX, however it was indicated that a payment was not made for the month of XXXX. When I called and spoke to another supervisor at PENNYMAC, I was told that they returned an extra payment and that my account was not current. The payment made on XX/XX/XXXX was supposedly applied to the XXXX payment. I was also told it was standard procedure for them to refund money they had not received. They also shared that the previous supervisor should not have advised me to initiate both returns and that they were mistaken for that. When this supervisor stated they would be submitting a complaint and that it would remain accessible to anyone who views my account, I asked if they could see the prior complaintthey could not. 

This is now the second time I am submitting this complaint. XXXX had attempted to contact me and upon attempting to reach back out to XXXX, I have never been able to get in touch with her. XXXX XXXX closed my prior complaint ( XXXX XXXX : XXXX ) claiming that pending payments were made available to me when they were not, as stated in my original complaint and now in all caps in this complaint.
Product: Credit reporting or other personal consumer reports

Im stating that all 3 credit bureaus will not work with me : Transunion XXXX XXXX Victim of my full name complete address email addresses phone numbers passwords, ALL HAVE BEEN COMPROMISED and found on the DARK WEB
Product: Credit card or prepaid card

On XX/XX/XXXX I attempted to pay a doctor bill.The bill totaled {$160.00}. I could not pay the bill because I did not have an ID? for the bill. When I could not pay on the internet I tried again and something called XXXX a medical billing co. came on my computer a indicated that XXXX would pay the bill. OK I put all the billing info into XXXX and thought it was over. 
I heard from the doctor service again and the bill had not been paid. I asked if the billing service had head from XXXX they said never heard of it and never got money from XXXX. 
So I asked Capital one bank Walmart credit card to stop payment to XXXX Capitol one Walmart credit card stopped payment. 
On XX/XX/XXXX Capital one Walmart credit card put the XXXX bill {$160.00} back on my card. I have talked to the capital One bank several tines and they won't take the XXXX bill off the credit card account. 
I simply want that XXXX charge off my cred-card. The bill has gone to collections and I want to pay the bill. XXXX is lying that XXXX talked to the doctor service. If XXXX had talked to the doctor billing service why did my doctor XXXX go to collections? And Why did the lady at the billing office say she never heard of XXXX?
Product: Credit reporting

I have a judgement ( XXXX ) that 's reporting on my Equifax credit report to a XXXX XXXX. I 've disputed this with all XXXX bureaus and Equifax is the only one that wo n't release it. Reason I disputed this account has a lot of inaccuracy 1. The actual docket I 'm going to enclose with this dispute has a different name and date. I have another judge on my credit report that does n't even come up on public records and that case number ( XXXX ) From XXXX XXXX XXXX. Prior to reviewing my credit report I did n't know anything about it. I 've been disputing these negative items since XXXX XXXX. Please help me get this resolved. I have an address on my Equifax that I never resided at which is XXXX XXXX XXXX, IL XXXX. My bankruptcy was filed XXXX/XXXX/XXXX Equifax is reporting XXXX/XXXX/XXXX I 've contacted them 4 times about this they says they 're reporting correctly. Equifax is reporting a collection on my account but did n't list the name of the company only the debt and the amount. They 're listing XXXX XXXX XXXX as being opening on XXXX/XXXX/XXXX that 's incorrect. I have an alleged debt with XXXX XXXX that I 'm unaware of but XXXX and Equifax is reporting XXXX date as opened and XXXX has a completely different date. XXXX Now has XXXX different date on my XXXX and XXXX. XXXX XXXX is being showed as a collection account on Equifax and also shows included in my Bankruptcy that was filed on XXXX/XXXX/XXXX but it says the open date was XXXX/XXXX/XXXX. How is that even possible when no new accounts can be included into a previously filed bankruptcy? XXXX XXXX XXXX is reporting on all XXXX bureaus incorrectly. Equifax is reporting XXXX XXXX as and account but that was included in the Bankruptcy but they took it from off bankruptcy and said collections the date says XXXX/XXXX/XXXX that should have been deleted since 7 years has passed. XXXX is being report with XXXX different dates on all XXXX bureaus. XXXX XXXX is being reported open on the wrong day on Equifax. I 've included all my proof with this dispute. XXXX has a lot of inaccuracy also and they told we that they wo n't reinvestigate these inaccurate accounts.
Product: Debt collection

In cfpb Complaint No. # XXXX, pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA, I sent a letter to Chase and requested for " VALIDATION '' of debt. They refused to send any valid information but the summary of an account. Yet, after many months, they refuse to settle the charges per the regulations. 

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

I came into the dealership on XX/XX/2019 with the intention to buy a XXXX XXXX that day, and had a pre-approval from XXXX XXXX. 

I was introduced to the sales rep XXXX XXXX and I immediately explained to him what I wanted, that I had also been pre-approved by XXXX for a 3.99 % rate, and that I did not want to put XXXX XXXX down. He said sure, they could roll everything in, and showed me a car that met my needs and had me fill out a credit application on their computer. I again, let XXXX know I had a pre-approval from XXXX-XXXX. He assured me this was the process. 

Needless to say I met with the finance guy next and he tried to get me to sign documents that said i was paying an 8 % interest rate and it was from another bank. I let him know of this error and he acted surprised then finally came back with 3.9 % rate from XXXX XXXX. 

After coming home with the car I have found my credit was pulled by over 5 banks ( Chrysler Capital , XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX XXXX ) without my permission. 

These hard inquiries cost me a credit line already and have lowered my credit score. I am also very upset they have shared my credit history and personal information with other banks without my permission. I have tried in good faith to work with the dealership to have them removed but they are combative and show zero empathy for my situation. I have attached one of the emails I have sent, the credit application explanation I saw when authorizing the credit pull, and my pre-approval letter which I had showed the sales rep.
Product: Credit card or prepaid card

I opened an account with Care Credit ( Synchrony Bank ) to get credit to pay for a XXXX. I charged {$6000.00} to the card in XXXX, and was on a payment plan over 6 months to pay off ( {$1000.00} payments per month ). However, 2 instances of fraud have occurred on the card : 1 ) Someone else made 2 purchases at XXXX, {$200.00} and {$240.00}. 
2 ) Someone else made 2 payments to the account, {$3600.00} and {$1400.00}. 

I called Synchrony twice, once to report the the fraud at XXXX, and a second time to inform them I did not make the payments to the account. Both times they said they would remove the transactions, which, rather than removing, they instead just added a debit or credit to cancel the fraudulent transaction out. This did work for the XXXX purchases. But for the payments, they debited the account TWICE, so instead of canceling out the {$3600.00} and {$1400.00}, the account now had an additional {$5000.00} balance on it, which is now accruing interest month over month. So now, my account not only has an extra {$5000.00} charged to it, but I'm now getting charged interest for charges I did not make. 

I called Synchrony again to request resolution, and they told me it would get fixed. They did credit the first two interest charges, but because they did not accurately remove the additional {$5000.00} charges, it's still accruing interest ( {$82.00} and {$460.00} ). It's now been 6 months and it's still not fixed. I should only have {$1000.00} left to pay off, and yet my balance is {$5500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just got an email telling me that I telling me that I opened up an account, which I didnt. The name of the companys are XXXX XX/XX/20 and the next company is XXXX XXXX on XX/XX/20 I never tried to open any accounts with those company.
Product: Debt collection

On XX/XX/XXXX, I had recieved a letter from XXXX XXXX XXXX, for an account with Citizens Bank. We had XXXX camera equipment through Citizens. The letter was a settlement to pay off the account and close it, for the amount of XXXX. I took the deal, and was under the impression it was settled then closed. On XX/XX/XXXX, I recieved a letter from XXXX XXXX XXXX, stating I owe XXXX for an account with Citizens Bank. I have the bank statement showing the amount was paid on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent my License, police report, FTC report to Experian. I have fraudulent accounts on my consumer report from identity theft.
Product: Debt collection

I have a collection account with XXXX XXXX XXXX, in the amount of {$630.00}. I called and spoke with a Customer Service Representative with the interest of making a payment for the full amount. I was told that I was unable to due to the account being handled by a law firm called XXXX XXXX XXXX and was given a number of XXXX. I have called the number given to me several times over the past week and am unable to reach anyone, I have also called the below number associated with this law firm with no success : XXXX - closest local office, number is disconnected XXXX - Toll-free number listed on website, also disconnected If XXXX XXXX XXXX is still reporting and updating their collection tradeline monthly on all three of my credit bureau reports ( XXXX, XXXX, XXXX  ) I feel it only appropriate that I am able to pay them directly for this debt as Im unable to reach the law firm handling my account, whom by the way, Ive received absolutely ZERO communications from. XXXX XXXX XXXX have also filed judgement against me without sending me any notifications. The case has been stricken by the court due to the law firm submitting incorrect and outdated documents.