23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Four hours ago I was notified that I was involved in the XXXX XXXX XXXX XXXXXXXX breach. I called XXXX XXXX and XXXX and placed security freezes and fraud alerts on my account. When I called Equifax their automated system was abysmal and didnt recognize any zeros. That and itself is a huge failing. When I finally spoke to a person they hung up on me. When I called back, the rep, in a loud call center wanted me to provide a copy of my drivers license. I thought that was a bit much, but he said he needed to verify me. I did not understand how did all of the other info not verify who I was!? Next he wanted to know loans I have paid in the past, and credit card companies and monthly payments. I provided that, and then was told XXXX would not work. When I asked why, he could not tell me and told me I could not be verified! I demanded to speak to the supervisor- XXXX XXXX was the supervisor. He refused to verify me and would only advise me to go online and sign into their website. The whole reason why I called the companies is because I think my computer is already compromised! I am so disgusted with this company and can not believe this is how they are treating consumers! My experience with the other two agencies were so completely different. Why!? I just gave all this info to a call center guy and did not get my account frozen. He could very easily steal my identity and I have no way of correcting it with equivalent because they refuse to validate who I am! By the way, I am XXXX and this XXXX  has caused XXXX XXXX that I might need to call XXXX for. Please look into why equivalent is doing this to American consumer trying to protect themselves!
Product: Mortgage

XXXX XXXX, 2016 XXXX/XXXX Loan Number XXXX XXXX XXXX XXXX XXXX, Florida XXXX We are filing this complaint against Wells Fargo Home Mortgage and ask that you assist us in resolving this matter - We began good-faith negotiatings on an Assumption Modification with Wells Fargo on XXXX XXXX. From the very beginning of this process, Wells Fargo has been a combatitive, unresponsive and misleading. 

After the initial conversation with them, Wells Fargo requested standard modification documentation, which was faxed to them on XXXX XXXX. We communicated with them on XXXX XXXX, XXXX XXXX, XXXX and the XXXX - each time we were told that no documentation had been received. 

For one month we tried communicating with them and received no response, but on XXXX XXXX we spoke with an individual there, who once again told us that still no documents had been received. We re-faxed everything to them XXXX XXXX and on XXXX XXXX, we spoke with another individual who confirmed that the file was in fact RE-ENTERED FOR REVIEW. At that time we requested that the file be escalated and a request for postponement of the XXXX XXXX sale date be made. 

After speaking with Wells Fargo this morning, we were told that our request has been denied, once again - due to insufficient documentation. 

We are well aware of the fact that Wells Fargo has a long and storied history, using this technique to deny homeowners relief and we are requesting that you step in and - have the XXXX XXXX sale date postponed for us ensure that Wells Fargo gives us a fair and proper review for this assumption modification. All documentation has been attached to this complaint. 

Thank you very much for your assistance with this!
Product: Credit card or prepaid card

XXXX XXXX XXXX has been ongoingly writing me since XX/XX/2018 for payments on items, that I have paid for through XXXX credit card XXXX XXXX XXXX. These items appear to be the items that were put in XXXX plan. 

XXXX XXXX XXXX contact the XXXX XXXX XXXX immediately review my account with them immediately and send them the payments for all items they did not receive their payments for. 

From home shopping networks responses in writing to me, they have not been paid for numerous XXXX  paid items that I have clearly sent payoff payments to the bank for. 



To date, I have sent full payments to XXXX XXXX XXXX XXXX to pay off all XXXX account items, with- in 30 days Or less, if items purchases. 
I need XXXX XXXX  to contact XXXX asap, review what they need and send them payments on items asap. 
I have already requested for XXXX to stop writing me and I have informed them that I have sent the full payments for all my XXXX items to the bank. 

XXXX will also be contacting you directly to resolve issue. 

XXXX is ready to send my alleged non-payment for these XXXX items to collections and this is not acceptable!!!. 
I will not have my credit hit twice on same, on going issues between XXXX and bank, period. 

Both agencies have partnered together to service consumers, so work together to fix this ASAP. 

XXXX XXXX XXXX you now have the same 10 business days, as XXXX, from today to resolve.
Product: Debt collection

In 2019 I opened a cell phone contract with XXXX XXXX XXXX. A few months later, I decided to upgrade my phone early in the XXXX XXXX. I traded in my phone and the upgrade was complete. I got my next bill and it was about double what the bill typically should have been. I also noticed there was an additional line on my account. I called XXXX XXXX XXXX and was told that the representative in XXXX signed me up for a buy one get one deal, so I was being charged for 2 phones and 2 lines of service although I only had one. I asked what could be done to fix it, and I was told to return the phone that I had gotten in XXXX  and the contract would be cancelled, and I would be charged nothing additional. I returned the phone, and XXXX XXXX XXXX claims that the return isnt reflected being reported by XXXX even though I have provided XXXX XXXX XXXX the return receipt, they need the return to be reported by XXXX. I had gone to the XXXX  store, and the manager on duty spoke to a manager at XXXX XXXX XXXX. Neither business wants to adjust my bill, they agree that I shouldnt be penalized for the mistakes made at XXXX, but XXXX XXXX XXXX refuses to waive my bill. They are billing me for a phone that was returned to XXXX as well as services for an additional line that never existed. I am outraged and disgusted by XXXX XXXX XXXX. Theyre ruining my credit as a result of something that is absolutely not my fault.
Product: Mortgage

I am in the middle of processing of getting loan from another institution and move away from and XXXX  XXXX  thief SLS ( Specialize Loan servicer LLC ) Corona made everything late overdue and XXXX a long time to process paperwork After government ban banks and mortgage servicer from evict and foreclosure on peoples home These monsters send a creep to Put a sale date on my door Sale date is for XX/XX/21
Product: Credit card or prepaid card

On XX/XX/XXXX, I opened a business checking account at a Wells Fargo branch in XXXX, XXXX Today, XXXX XXXX, I received an email ( which I will upload ) letting me know that my " requested '' overdraft protection had been added to the account and that funds for the overdraft protection would come from a new credit card with number XXXX. 

Trouble is, I NEVER REQUESTED OR APPLIED FOR EITHER OVERDRAFT PROTECTION OR A CREDIT CARD. The paperwork for the opening of the checking account refers to neither, and I discussed neither with the representative I dealt with at the bank branch. 

Astoundingly, this sounds like exactly what Wells Fargo got in trouble for last year or the year before. It doesn't leave me with much confidence in the bank. 

I phoned the customer advocacy office at Wells Fargo to ask how this happened. They had no answers but did confirm that the credit card account had been opened. ( Of course, I have not seen a credit card and do not wish to see one. ). They said they would open a case on the matter and get back to me at some point.
Product: Mortgage

In 2008 We had a Countrywide loan when Bank of America took it over. Bank of America immediately put us into foreclosure proceedings even though we were not late on our loan. It took us 4 years, and finally negotiations from our state senator forced them to write us a Harp loan at 7.5 % interest. We want to refinance now and everywhere we go, they wont talk to us because our credit is showing XXXX late over 90 days. This is NOT OUR FAULT! How do we get them to remove it from our credit?
Product: Money transfer, virtual currency, or money service

I received a phone call from a scammer on XX/XX/2023, whose caller ID came up as being Chase customer service. The phone number that came up on the screen also matched the XXXX number for Chases customer support line. I picked up the phone and the man on the phone informed me he was a customer service representative who was reporting fraudulent activity to me. A week or so prior I had an incident of actual fraudulent activity on my account so I thought that the man on the phone was calling me in regards to further attempts from that same incident. The man on the phone said he would help me set up a new account for me to which I could transfer the money into as to avoid further fraudulent activity. He read back to me the last 4 digits of both my checking and savings accounts which made me think he was an actual representative. I ended up transferring the {$4000.00} I had in my account to this supposed new account which had my name on it at the time of the wire transfer. It wasnt until after the call that I was able to see the wire transfer statement which showed that the account had been given my name as the account nickname and I had actually transferred my money to a man named XXXX XXXX. I called Chase back later that same day to report this activity and I was told that a report would be filed and the proper actions needed to retrieve my money would be taken. I called back some days later to check on the status only to find that the representative I spoke to did not file the report correctly and they would have to get my information again. After over a month of me calling to check in with them and even scheduling a meeting with a banker in person, I was finally told over the phone by a account services representative that no one at Chase could help me get my money back.
Product: Credit reporting or other personal consumer reports

I requested my consumer report from Lexis Nexis in XXXX. I also requested a disclosure report from Lexis Nexis in XXXX, XXXX, and XXXX. Using the same information from my previous requests, I requested a new consumer report as well as a disclosure report. Lexis Nexis is claiming they can not find my consumer reports with the information I provided.
Product: Credit reporting or other personal consumer reports

I am writing to express my frustration and concern regarding the ongoing issue of fraudulent items on my account. Despite this previous attempts to resolve this matter, the fraudulent items remain unaddressed. Please prioritize the removal of these items from my account and take necessary measures to prevent such incidents in the future. I would appreciate your prompt attention to this matter. These are the following fraud items 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
Product: Debt collection

I received a call on Sunday afternoon via a recorded message for my ex husband ( of 5 years ) providing the number XXXX to call if I am not this person. He is happily remarried so I called to inform them that I 'm not him and was able to identify they are Southwest Credit Services yet was told that they are not open - their normal business hours are M-F, and Sat. and I would have to call back then. Wait a minute! ~ They just called, woke me up from the only time I get to nap - gave me a number to call that required me to quickly find paper and pen to write with only to not be able to reach anyone? That is not fair and not good business practice. The recording says they are attempting to collect a debt gives an option to 1 ) make an automated payment, 2 ) gets normal business hours or 3 ) leaves a message for one of the representatives to return the call - but their internal system does n't work - the call does n't ever transfer to a representative like they say it will ... then after about a minute and 12 rings, the end user gets a fast busy and the system hangs up. I DO N'T WANT ANOTHER CALL FROM THIS COMPANY! 
So I decided to google Southwest Credit Systems to attempt to reach them and find out they provide a XXXX and XXXX XXXX. XXXX # XXXX XXXX TX XXXX. I call the XXXX # and although they flip the prompts - select XXXX for a representative, the internal system does the same thing that the XXXX # does ... which is ring for an extended period of time without transferring ... I 'm not sure what needs to be done - but I was supposed to hit a key ( I ca n't remember what the prompting was during the original call from this company but if it was a XXXX or XXXX if I WAS XXXX XXXX ) - but because I did n't and followed their rules, I now run the risk of getting called back.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX- TransUnion XXXX XXXX - Spoke with representative. Representative advised for me to send in a copy of the police report and they would remove from the file. 

Gave information from XXXX XXXX VA police Report including sending the name and report number. 

I sent in a copy of the police report and they have not updated and removed the XXXX XXXX or any subsequent accounts due to identity theft. 

This was mailed to them on XX/XX/2022.
Product: Credit reporting or other personal consumer reports

I noticed there are errors on my credit report that EXPERIAN did not remove after I sent in a dispute. This is affecting my ability to purchase a home.
Product: Checking or savings account

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Formal Complaint Against Chase Bank for Failure to Honor Advertised Incentive Dear Sir/Madam, I am writing to lodge a formal complaint against Chase Bank regarding their failure to honor an advertised financial incentive, which I believe constitutes deceptive business practices under the terms of consumer protection laws. 

On our about XX/XX/2024, Chase advertised a promotional offer promising a {$900.00} incentive for opening a new Savings and Checking Account, provided certain conditions were met. These conditions included setting up direct deposits and depositing a minimum of {$30000.00} in new money into each of the newly created accounts. Trusting the integrity of Chase, I proceeded to fulfill all the stipulated requirements.

Despite meeting the criteria for the promotion, Chase has only credited {$300.00} to my account instead of the promised {$900.00}. This discrepancy came to my attention on XX/XX/2024, after reviewing my account statements and noticing the shortfall in the expected incentive. 

Upon discovering this, I immediately contacted Chase customer service for clarification and to rectify this error. However, the responses received have been unsatisfactory, with no concrete resolution provided, nor any valid reason as to why the full incentive was not honored as advertised. 

This experience has not only caused financial disappointment but also significant distress, as I had made financial decisions based on the original promise made by Chase. 

Therefore, I am seeking your intervention to resolve this matter. I request that Chase be investigated for this potentially deceptive practice and that appropriate measures be taken to ensure they honor the originally advertised incentive. Furthermore, I ask for your assistance in securing the remaining {$600.00} that was promised to me. 

Thank you for your attention to this matter. I am looking forward to your prompt response and am hopeful for a favorable resolution. 

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

I have been disputing this account for XXXX regarding the repeated charge-off that appears on my account each month. I have asked them to validate the debt by sending me a purchase agreement, assignment contract, or something displaying my wet signature showing that this alleged debt is mine. 
Debt Validation Request under 15 U.S.C. 1692g ( FDCPA ) Verification Request : Pursuant to my rights under 15 U.S.C. 1692g, I am requesting that you provide the following information : 1. The Amount of the Debt : A detailed accounting of the debt, including the principal, interest, fees, and any other charges that have been applied. 
2. The Name of the Creditor to Whom the Debt is Currently Owed : Including the name and address of the original creditor if different from the current creditor.

3. Verification of the Debt : A copy of the judgment ( if applicable ) or other documents showing that I am indeed legally obligated to pay this debt.

4. Proof of Your Legal Right to Collect the Debt : Documentation that you are authorized to collect this debt on behalf of the creditor. 
5. Complete Payment History : Showing how the amount claimed was calculated and all transactions related to the debt.

According to the Fair Credit Reporting Act ( FCRA ), specifically sections 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ), and 623 ( a ) ( 2 ) ( 15 U.S.C. 1681s-2 ( a ) ( 2 ) ), information furnished to consumer reporting agencies must be accurate and complete. A charge-off should not be reported each month as a new charge-off ; instead, the status should reflect the original charge-off date and not be reported repeatedly as if it were a new event. 
This by this action being taking each month it affects my credit score, credit report, and credit worthiness.
Product: Payday loan, title loan, or personal loan

XXXX XXXX. I was unable to pay the total amount, so was forced to finance it. When the servicing company told me they used only Goodleap as the finance company. Knowing something of their, uh, sharp business practices, I immediately started to obtain a HELOC. The HELOC money became available the day after the installation was completed. The same day, I called Goodleap ( XX/XX/XXXX ) to request to pay off the loan. They informed me that a pay off amount was not yet available, but that interest charges already were accruing. Between XX/XX/XXXX and XX/XX/XXXX, I was charged over {$41.00} in interest that I had NO WAY TO AVOID, as they would not provide me with a payoff amount. Charging interest without providing a customer with any hope of avoiding it seems unethical. Other Financial Services companies I have dealt with in the past did not operate like this. Goodleap says they have no early payoff penalty, but it seems to me that {$41.00} IS a penalty.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reported to the Credit bureaus as 6 hard inquiries that impacted my credit score from XXXX XXXX XXXX XXXX in which was XX/XX/XXXX and also from the same company XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, IL XXXX and Date of inquiry XX/XX/XXXX. Also, Factual Data in which the date of inquiry was XX/XX/XXXX, XXXX XXXXXXXX, the inquiry date was XX/XX/XXXX, XXXX XXXX BANK XXXX, the inquiry date was XXXX and XXXX XXXXXXXX XXXX XXXXXXXX the hard inquiry date was XX/XX/XXXX. XXXX XXXXXXXX Bank and XXXX have recognized credit companies but are unauthorized to access my credit report for this reason. For all hard inquiries mentioned above, I didn't give the company authorization to access my credit report for this reason. All 6 hard inquiries from the companies have been reported as a dispute and submitted to the credit bureaus. The dispute confirmation number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, I've recently noticed fraudulent activity on my credit reports ( XXXX, Transunion XXXX XXXX ). What has been reported, has led me to believe that I may be a victim of identity theft, as I did not approve nor authorize any information to be used in my name, social security, and/ or attending any college/ University, etc. I am requesting that this fraudulent item be deleted from my credit report at your earliest convenience. I've placed a security freeze on my credit which should alert me proper to my information being used toward this account. This fraudulent item is reporting inaccuracies which are negatively impacting my relationship with numerous creditors, as I am in the process of buying a car. I have reported the theft of my identity to the Federal Trade Commission and would this item to be removed from my credit report immediately. Please review the enclosed copy of the Federal Trade Commission affidavit regarding this fraudulent account. Thank you!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/2022 I applied and was approved for a Truist XXXX Card. I received an email on XX/XX/2022, stating that the card was made and on the way to my residence. Once I received my card on XX/XX/XXXX ( took a month to get the card ), I tried to activate it but I was told the account didn't exist on the app. I went to my local branch immediately, and they told me that the account didn't exist, they closed the card and line of credit for no reason or notification to myself. They went even further to tell me if I wanted a card with them to go apply again. So now present day I have a credit card that does not work I received my pin number in the mail, as usual, I have escalated this grievance 4 times within the bank and still have not been contacted back. I am looking for the bank to respond and reactivate my card. My credit was dinged 3 times and I was approved and the bank has done nothing to right these issues. I have asked for the info to their legal department 4 times via a recorded line and no one has any info. if I could please have some assistance in this matter it would be greatly appreciated
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Loans are in deferment but the credit reports shows they are open and not into deferment
Product: Credit card or prepaid card

I had my card data stolen and reported the fraud to 53 bank. Initially the said the charges were valid then I contested and finally they said they were fraud and I would receive credit. During the time of the fraud with the high balance showing ( XXXX ) I overpaid what I actually owed. I have contacted the bank numerous times to have this corrected and they keep telling me they will resolve in 3-5 days but the credit is on my cancelled card. I am trying to get the credit transferred to my new card balance but there are no results. This has gone on for about 6 months. I don't know what else to do but keep calling and getting empty promises.
Product: Credit reporting, credit repair services, or other personal consumer reports

we informed XXXX XXXX  this was a fraudulent account with no result, I sent information to the credit bureaus letting then know this was id, theft with no response. I sent a validation letter and keep getting verified with no explanation.