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

I opened a Truist account about XXXX months ago after receiving promotional material about a {$400.00} bonus for opening a new checking account. I created the account online and somehow their system created XXXX accounts. They locked me out of the account and said it was because my identity couldn't be verified, but they had no problem verifying my linked XXXX checking account and taking my initial {$100.00} deposit. I could not access the account online. I tried multiple times to resolve it over the phone and was unable to. I had to visit the local branch and speak with the XXXX. They told me I had to come back the next day because there were invalid maintenance fees applied to the account so they needed to clear before I could close the account. I went back the next week and closed the account. I have since received multiple calls everyday saying that my account is overdrawn {$27.00} for maintenance fees. Apparently they never closed the duplicate account that was created when I first registered. I called Truist again yesterday and was told I needed to wait another XXXX hours minimum to close the account because they had to clear the invalid maintenance fees. I am now going to have to waste my time going back to the local branch yet again. This is absolutely unacceptable, especially the fact that my money was inaccessible for nearly XXXX months until this was resolved, and I was ineligible for the {$400.00} bonus since my account was locked and I could not setup the required direct deposit for my paycheck. This seems like false advertising or just really sneaky behavior to me and it is not the way a financial institution should be treating people or their money.
Product: Credit reporting or other personal consumer reports

I see that TransUnion and XXXX are reporting THE XXXX XXXX XXXXXXXX somewhat negatively on my consumer reports without my consent. I have attempted months ago prior to this complaint to call and send in a letter stating that Per the FCRA as a federal protected consumer I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal, and nonverbal per 15 USC 6802. I still see that it is on my report even when it shouldn't have been to begin with considering I never gave permission or consent to report this on my credit report. Under the Privacy Act of 1974 it clearly states, No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. Also, 15 USC 1681b states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. According to the Fair Credit Reporting Act 15 USC 1681a-4, " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy ''. TransUnion and XXXX  are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information ''. Also, I see a lot of transaction history being reported including the high utilization that's being reported but according to 15 USC 1681a-exclusions, report containing information solely as to transactions or experiences between the consumer and the person making the report. Then 16 CFR 313 - Privacy of Consumer Financial Information, helps back my point that all the transaction history is illegal to report and should not be reported on my credit reporting 's from what 15 USC 1681a section states. Every company in their agreements with consumers said they would follow the law and agreed to do so. They are aware that they are breaking the law and continue to do so daily with prior knowledge of the law they agreed to uphold for the benefit of the consumers and to not undermine the public confidence which is essential to the continued functioning of the banking system according to 15 USC 1681a-1.15 USC 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. TransUnion and XXXX are not maintaining reasonable procedures.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is currently reporting in XXXX and XXXX that i am paying late on a closed paid account since XXXX, they are reporting lates to XXXX and experian currently which just caused a problem with my current job due to it showing deliquients in XXXX and XXXX, i am no longer liable for account and requesting account be deleted corrected XXXX  there should be no new reportings on this account at all, i have received any communications from XXXX at all, especially adding new entries of late pays in XXXX and XXXX ... i have attached my XXXX report showing XXXX inaccurate reportings ... .Please remove XXXX this is causing a severe hardship and can affect employment this info is not correct and should not be reporting ....
Product: Credit reporting, credit repair services, or other personal consumer reports

An installment loan with incorrect information is in the possession of this company. This account is fraudulent. This fraudulent information has remained on my credit report for years. I have tried numerous times to resolve this matter amicably with Santander. I requested documentation to validate that this account was personally done by me and never received any information about it - not from Santander, or the bureaus. My address on the account is even wrong, I have never received any mail from the address that Santander has on file. I have even mailed in letters to Santander and have never received a response, I am literally being ignored by this company.
Product: Mortgage

My name is XXXX XXXX and have my current mortgage with Wells Fargo Home Mortgage. My parents co-signed for my mortgage with the intentions that I would refinance in a couple of years to have the mortgage placed in my name. How dare the underwriter ask me to write a letter as to why my parents are being removed. Wells Fargo currently holds my mortgage and it has excellent payment history. I am trying to refinance my FHA loan with the Wells Fargo Home Mortgage Office in XXXX, WV. Their address is XXXX XXXX XXXX, XXXX, WV XXXX and the loan officer 's name is XXXX XXXX and the processor 's name is XXXX XXXX. 

I have been put through such a horrible ordeal. It has been well over 3 months and I have yet to receive anything in writing whether the loan was approved or suspended. All I continue to get is a phone call from the LO or processor asking for more documentation the underwriter is asking for. I 've even had to quote FHA guidelines to them because they were asking for things that were not required. Wells Fargo is in violation of providing a written loan disposition. 

The last straw was when I received another phone call from the loan officer last week stating that I will need to obtain a credit supplement for my student loans. I am on an income based loan repayment and gave this to the loan officer and processor in XXXX!!! Now they ask for it again? They drag the process out and documents expire so they will ask for more documentation. I have provided everything they asked for within 24 hours only to be told I need to provide something else. They also asked me many weeks ago to get a gift letter in order to have reserves. Yet, here I wait with no answer for three months. I have done everything they have asked. 

I placed a call yesterday to the loan officer and processor for the name of a supervisor that I could speak with to get some results. The loan officer stated he did n't know who that was as he was not in the office, the processor stated she could n't reach him and was working on it. It has been 24 hours and I still have not heard from them as to who the supervisor is I can speak with. 

This is n't the first complaint I 've heard about Wells Fargo Home Mortgage. A friend of mine who is selling her home in Florida and her buyers were going through Wells Fargo after 4 long months of the same thing, dragging their feet, asking for more stuff, they finally had to pull the loan and it was approved and closed in less than 30 days. Now how is that possible that as big as Wells Fargo is, they can not do things in a timely manner. The stress that I have been put through is causing major health problems for me.
Product: Credit reporting or other personal consumer reports

I paid off my auto loan that I have never been late on and XXXX XXXX XXXX reported me 180 days late financially and mentally causing damages. 

I was required to fill out paperwork that the credit union provided to dispute the transaction. I also filed disputes with all three credit agencies. The credit union certified that the false information reported was correct with the credit agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion and the debt collection agency regarding an account on my credit report. I asked Transunion to verify the debt and also for the debt collector to validate and send me. According to FCRA/Law to validate debt must show instrument/contract bearing my signature. However i was given a statement which doesnt prove account to be mine. Also XXXX seems to be violated listing what was done at the hospital. No XXXX release was sent when statment was sent. I want the account deleted and remedy to be provided. Im not interested in another investigation
Product: Credit reporting or other personal consumer reports

TransUnion, XXXX, and XXXX failed to cease reporting inquiries on my credit report after I reserved my right of privacy. Every address being reported other than XXXX XXXX XXXX XXXX XXXX  XXXX are non mailable addresses and need to be removed.
Product: Payday loan, title loan, personal loan, or advance loan

I am XXXX XXXX XXXX XXXX and I have been stationed in XXXX since XXXX. 
In XX/XX/XXXX I discovered that there was a fraudulent personal loan on my credit report that came from USAA. I called USAA at that time and informed them that this loan was fraudulent, and I got told that it would be removed from my account and charged-off. ( I was not informed what charged-off meant at this time ). I attempted to dispute this loan through the credit bureaus for about six months in XXXX since it was still showing on my credit score. The credit bureaus informed me that I have to dispute the loan through USAA. I have been trying to dispute this loan through USAA since XX/XX/XXXX, and they are telling me that there is no evidence of fraud. I had to request a copy of the original loan application which shows that my address was changed at the time of the loan being requested. The address was changed to a place in Utah, again to which I have never resided. I had to then ask USAA to provide a copy of the loan check which shows that the check was cashed into my ex-spouse 's bank account through USAA. I have provided USAA my orders, the fraud check, my FTC report and a police report that was filed in Utah and the military, and they still are telling me that there is no evidence of fraud. This loan was sent to a collections agency who has been trying to collect this debt even though I am disputing it as fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went on all three credit bureau website based upon the information supported by XXXX XXXX and Experian. 
XXXX and XXXX ( personal loan ) account balances are incorrect. Both accounts are at {$0.00} balance. I am hoping CFPB can get this corrected in XXXX. These {$0.00} balances occurred XX/XX/XXXX and XXXX XXXX. 
Experian website has not updated account since XX/XX/2022. I am assuming the other two have not been updated as well.
Product: Credit card or prepaid card

I was not working for a short time over the summer but was staying up on my payments. I did not realize I had a couple return payments and when I went to make a payment today ( XX/XX/2018 ) Capital One ( credit card ) informed me they had closed my account on XX/XX/XXXX and I was not aware of this. I also spoke with a customer service representative less than a week before this and was never once informed my account could be closed or would be closed if this was not taken care of. 

I let them know I was calling to make a payment and wanted to take care of any issues on the account. They said they were happy to take my payment but could not make any promises that the account would be reopened. This does not make any sense. 

The issue is why would I or anybody want to make a payment and take care of the account if they are not going to reopen it. I would prefer for it not to go to collections for 7 years and get written off but I also am not going to make a payment if they are not going to reopen the account. The lady did say there is a chance they would reopen the account after payment is made but they could not make any promises. 

The only options available to me were to make a payment and see if they reopened the account or to not make any payments at all and just let the account stay closed for good and just let the collections go which is ok by me if that's how Capital One does business. If they are not willing to reopen the account than I don't think it makes any sense for anybody to continue to make payments. It seems to make sense though for Capital One to allow me to pay on the card and reopen the account and it would be a win win for everybody. Instead we aren't getting anywhere and there is no real winner.
Product: Checking or savings account

On Monday XX/XX/2020 I received a text appearing to be from chase bank, I clicked a link and it appeared to be the chase bank homescreen. I signed into my account but it appeared not the same so I exited out of the web browser and called my bank. They informed me that they didn't send me a text and to ignore further emails and text messages. 

On Wednesday XX/XX/2020 my cell phone completely loss all service, I wasn't able to text, browse the web or making calls. I immediately went toXX/XX/XXXXXX/XX/XXXX on XXXX XXXX, they informed me that my sim card was not matching my XXXX any longer so they changed my sim and my service was working again. No other explanation was given and I went to XXXX XXXXXX/XX/XXXX. I purchased shoes at the XXXX  store with my debt card with no problem. 

On Thursday XX/XX/2020 my cell phone loss service again I noticed around XXXX. I felt something was wrong so signed into my bank account and noticed money was being filtered from my savings account to my two checking accounts. The first amount was {$2000.00} taken on the XXXX around the time my phone wasn't working and then the second {$2000.00} was taken right as I was online looking, both amounts were used by someone in XXXX, Michigan based on location that was on my Chase statement. I immediately used a friend phone to call Chase bank. They informed me to lock my debt card and change passwords and they would flag my account. The pending amounts could not be stopped. I also called XXXX on my friends phone and they had to re-active my sim card over the phone and later realized during the times my phone wasn't working someone managed to access my account in XXXX and were posing as me to talk to Chase Bank. I never authorized the wire transfer. This evidence shows on my XX/XX/XXXX records. I can not be at two places at once. 

On XX/XX/2020 I filed a fraud claim with Chase bank over the phone and went inside a branch to change account numbers and debt card. I believe my SSN was obtained and is being falsely used. 
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Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed several disputes with Experian and XXXX stating the information is fraudulent accounts and have request per my rights to receive validation or verification of these accounts and have not receive anything thing XXXX  has taken several months since my last disputes and Experian refuse to receive or investigate any more disputes concerning these accounts I have sent several letters to both of these companies and they are not sending my the proper paper work XXXX XXXX XXXX XXXX amount of {$1500.00} XXXX XXXX XXXX XXXX amount {$1300.00} these accounts are fraudulent
Product: Mortgage

I started with this mortgage company in 2007, after the death of my husband. Since I have been with them they have refused to refinance this adjustable rate mortgage, they are adjusting it more than every 12 months. Plus the company has changed their name XXXX times. They have not sold the loan, they have changed their name. It started out as XXXX, then they changed to Vericrest, now they are trading under Caliber Home Loans. Since I have been with them, they have charged late fees unsubstanciated. They never put an amount on any of their statements or their website as to how much the late fees would be, If I paid the mortgage on a Friday via the internet, it would not post until that Monday to my account. If Monday fell on the XXXX or later, they charged a late fee. I questioned them 2 years ago about what their late fees are, and how and when they were charging them. They sent me a breakdown from their own records, that showed XXXX lates on my record, but they have me owing them {$390.00}. Whenever I asked to speak with a manager they were either never available or someone would identify themselves as the manager, state they would look into it, and never call or write back. They also reported me late to the credit bureaus several times { I think to justify not refinancing me }, but eventually had to remove it from my report. It has been exhausting dealing with this company, the Attorney General 's Office has advised me to get an attorney, as well as contact your department for assistance. I have every monthly statement, as well as correspondence from them since 2007. I will attach the important ones, and hope something can be done. The last supervisor I spoke with there told me it was perfectly legal to charge a late fee if they do n't post a payment before the XXXX, no matter when I pay it online.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and TransUnion have all investigated, contact, and decided that XXXX XXXX XXXX is reporting legally to my credit report but when a complaint was made to the Consumer Financial Protection Bureau and the XXXX XXXX XXXX about XXXX XXXX XXXX illegally reporting an account on my credit report, neither bureaus were able to obtain a response from XXXX XXXX XXXX XXXX XXXX XXXX, and TransUnion have made false investigations and continue to allow this legal account be reported on my credit report.
Product: Mortgage

I am in the process of selling a home. The Original Mortgage was done by  XXXX   XXXX   XXXX , who was bought out by   XXXX   XXXX   XXXX  .  XXXX   XXXX  then sold the note to NationStar Mortgage. The note was originally secured by 3 separate properties, but the  one  at  XXXX   XXXX   XXXX   XXXX   XXXX , IN was sold and no longer secures the note. The mortgage note for this home is secured by  2  properties. The property that I have under contract to sell is  XXXX   XXXX   XXXX   XXXX ,  XXXX , IN  XXXX  and the other property that secures this note is  XXXX   XXXX   XXXX   XXXX ,  XXXX , IN  XXXX . The Mortgage note is currently held by NationStar Mortgage. On   XXXX  ,  XXXX   XXXX  of  XXXX   XXXX  in  XXXX , IN requested a partial release for the property on  XXXX   XXXX . Today she got a response from NationStar Mortgage with a long list of items required for a partial release. They are : {$250.00} partial release fee, no 30 day lates in the last 12 months, appraisal of both properties securing the note, survey of the property being released, sales contract. The original note does not have any of these requirements for a partial release. I agree that a copy of the sales contract is reasonable and when the appraisal for the property being sold is completed, we will also provide a copy of it. I feel that the remainder of the items are unreasonable and are only a requirement to make the process so difficult that they can not be met in time for the scheduled closing. The current balance on the note is {$79000.00}. After the closing costs are taken out from the sale, NationStar Mortgage will receive just over {$50000.00} toward the note. That would leave a balance on the note of around {$29000.00} and secured by the home on  XXXX   XXXX   XXXX , which is valued at $ {$89000.00}. I can have the realtor provide a Comparative  Market Analysis  to o NationStar showi ng the current market value of Wheeling. This is provided free of charge to me and an appraisal would cost {$450.00} and take a month to obtain. I need your help to resolve this matter with NationStar Mortgage  ASAP, so  we can still close on   X/XX/17  . I have attached a copy of the original note, and the maturity date was extended to  XXXX / XXXX / XXXX . I have also attached a copy of the list of items for release from NationStar Mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Congress has established laws to combat aggressive collection methods and practices. But, the credit agencies Experian, XXXX, and XXXX are ignoring the laws that I am providing today. 1692 ( a ), ( b ), ( c ), and ( d ) ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, marital instability, the loss of jobs, and to invasions of individual privacy. 
( b ) Inadequacy of laws Existing laws and procedures for redressing these injuries are inadequate to protect consumers. 
( c ) Available non-abusive collection method This means other than misrepresentation or other abusive debt collection practices are available for the effective collection of debts. 
( d ) Interstate commerce Abusive debt collection practices are carried on to a substantial extent in interstate commerce and through means and instrumentalities of such commerce. Even where abusive debt collection practices are purely intrastate in character, they nevertheless directly affect interstate commerce