23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am writing to formally lodge a complaint regarding the mishandling of my loan modification appeal and the resulting undue responsibility being placed on me. Based on my recent conversation with XXXX XXXX, a servicing manager, on XX/XX/year>, phone call starting on XXXXXXXX XXXX XXXX and going for XXXX hour and XXXX minutes. It has come to my attention that my appeal, submitted on XX/XX/year>, was received by your office on XX/XX/year>, but was never reviewed or responded to. This failure to process my appeal has led to significant financial and emotional strain, which I find unacceptable and unjust. 
Summary of the XXXX : XXXX. Submission of Appeal : o I submitted my appeal regarding the modification terms on XX/XX/year>. 
o XXXX XXXX confirmed during our XX/XX/year>, conversation that your office received the appeal on XX/XX/year>. 
XXXX. Lack of Response : o Despite receiving my appeal, your office failed to review or respond to it. This neglect directly contradicts the servicing guidelines and reasonable expectations of timely processing. 
XXXX. Current Consequences : o I am now being held responsible for the terms of a modification that I formally appealed and which should have been reconsidered. 
o The lack of response has left me in a position where the interest rate adjustment and other terms have compounded my financial burden.

Request for Resolution : 1. Immediate Review of My Appeal : o I request that my appeal submitted on XX/XX/year>, be immediately reviewed and acted upon as if it were addressed in a timely manner when first received. 
XXXX. Fair Accountability : o I request that I not be held accountable for the delay caused by your failure to review my appeal. The appeal should have been properly processed and should have impacted the modification terms accordingly. 
XXXX. Reinstatement of Prior Approval Terms : o As part of my appeal, I am requesting that the interest rate be set to the terms offered in the prior modification approval, dated XX/XX/year>, or to the rate of 2.5 % as originally requested in my most recent correspondence. 
XXXX. Clear Documentation and Communication : o Please provide a detailed explanation and timeline of the actions ( or inactions ) taken on my appeal, as well as confirmation that corrective action is being implemented to address this issue.
Product: Checking or savings account

On the days of XX/XX/XXXX & XXXX XXXX I made 3 separate transactions : two of {$470.00} and one of {$880.00}. It was to the company XXXX XXXX XXXXXXXX XXXX and for services they were suppose to fulfill. Since the day of the transitions and completing the requirement they asked from me the client in order for them to complete the services they promised. It was for an evaluation per transaction and if passed they would refund me the enrollment. By XX/XX/XXXX all requirements were fulfill as well as a request for the refund. The company from there in multiple forms of communication began to go around the situation and didn't want to do what they said. They rejected my reimbursement as continue to give excuses or ignore. During the same time after multiple broken promises and patiently waiting for these issue to be resolved nothing. I also saw on XXXX XXXX and other sites had nothing but negative reviews and how they were others in similar situations. I called Chase Bank to notify them of this company taking advantage of me and the experience. They credited me with a temporary credit to only come back shortly after and reverse the credit. They didn't give me a chance to dispute and send them further information to resolve this situation. After multiple phone calls and hoping someone can help they all gave me he same answer that this can't be appealed or disputed there decision. Now I have my account overdrafted with multiple other fees added as well as some of my funds lost in the reversal. I believe that this need to be looked into and they should have given me a chance to dispute. I now would like to file a complaint with Chase Bank and ask for a further investigation. I believe they should take responsibility on this on this fraudulent transaction.
Product: Checking or savings account

i have many charges on my account from online sources and duplicate charges that wells Fargo has refused to investigate thoroughly according to fraud protection. they denied my claim immediately with no explanation
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019, I discovered that XXXX XXXX, an negative account has been reinserted into my credit file. You are required to notify me within five ( 5 ) days of reinserting a previously deleted item. I did not receive any such notification. 
Please delete this account ( XXXX XXXX ) immediately. 

Your Cooperation Is Appreciated.
Product: Credit card or prepaid card

I had submitted a credit line increase, I took the card out almost 4 years ago now - and my credit score has gone up, my income has essentially doubled, I paid off my balance- and never missed a single payment over the years- and yet my credit line increase was denied. This is not a company you want to be stuck doing business with. Do not get stuck having to keep a card open with this company. The second my home purchase is complete, I'm closing the card.
Product: Checking or savings account

After all the bad publicity for cheating their customers last several years, I was hestiant to re-try my banking with wells fargo, however, due to a decent offer they had where if you open an account, and receive direct deposits total {$1500.00} each month for three consectuive month, they would award you {$300.00} I decided to apply for an account.

Upon applying for the account and funding it with the necessary amount of money, I received an email stating " Your application has been approved, and your new account is eligible to receive a bonus offer. '' IT WAS BASED ON THIS EMAIL, THAT I THEN INVESTED MY TIME, EFFORT, AND THE WORK NECESSARY TO SATISFY THE REQUIREMENTS TO RECEIVE MY BONUS. ( please see a screenshot of the email in page 1 of the attached pdf ) Additionally, When I contacted them with a secure message they stated that the only reason I had not received the bonus was due to them not having received a XXXX form from me. I preceed to follow their instructions, print, and complete the form. I walked into a local branch and spoke with a banker regarding my account so that he can submit the XXXX form on my behalf ( he faxed in the form ). This banker also informed me that once they receive my XXXX form they would credit my account with the bonus.

I still have not received my bonus, and it has been in excess of the 45 day period that they specified in the offer. When I contacted the bank again, they said that it was because I had an account with them in the past 12 month. If this was a valid reason, for me not to have received a bonus, they should not have spent me an email stating that my account is " eligible to receive a bonus offer '', nor should the secure message team that responded to my question indicated that I was only missing a XXXX form in order to receive my bonus, nor should the in-person banker have indicated to me that I would receive my bonus. It was based on their communication with me that I invested the effort and hard work to satsify the requirements to receive the bonus, and now they are going back on their word. This bank has a history of deceiving its customers, and this is a continuition of this behavior. Wells Fargo continues to miss treat its customers into 2018. They should not be allowed to treat customers in this manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fifth request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00}.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act Account : XXXX Account # : XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Collections showing on account after disput and proof provided that accounts were ex spouses and not mine. 
Collections showing amount owed when account is closed. 
Students loans showing when they have been paid and XXXX balance. 
Medical bills that were covered by insurance and provided all documentation
Product: Mortgage

My loan has been sold to another mortgage company and the balance does n't reflect my payment history. When i got a loan modification they did n't roll missed payments into the balance of the loan the kept them separate and charged me interest on them, when they should have rolled any outstanding amount in to the loan durning the modification. So basically my loan balance has n't changed because of what they have done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed. 

Because according to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, OR XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX Balance : {$1000.00} XXXX XXXXXXXX XXXX Balance : {$8.00} XXXX XXXX XXXX Balance : {$540.00} XXXX XXXXXXXX XXXX Balance : {$900.00} XXXX  XXXX Balance : {$1100.00} XXXX XXXXXXXX Balance : {$7500.00} XXXX XXXX Balance : {$740.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX, NC, XXXX XXXX ( XXXX ) XXXX XXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Attention : Consumer Affairs Department Dear Equifax, I am writing to express my deep frustration and outrage regarding your flagrant disregard for my rights under the Fair Credit Reporting Act ( FCRA ). It has come to my attention that despite my explicit request to freeze my consumer report and submission of all required documentation, your company has failed to comply with the law and has instead demanded redundant documentation. 

Let me be unequivocally clear : I have the legal right under the FCRA to freeze my consumer report, and I have already provided all necessary documentation to exercise this right. Your insistence on requesting the same documentation that I have already submitted is not only redundant but also utterly ridiculous. 

Your unwillingness to follow the law now poses a direct threat to my creditworthiness and financial well-being. By failing to promptly freeze my consumer report as requested, you are jeopardizing my ability to protect myself from identity theft and unauthorized access to my credit information. 

I demand immediate and unconditional compliance with my request to freeze my consumer report, as mandated by the FCRA. Any further delay or refusal to comply will not be tolerated and will result in severe consequences for Equifax. 

I am directing Equifax to immediately freeze my consumer report and provide written confirmation of this action without any further delay. Additionally, I expect a formal apology for the inconvenience and distress caused by your company 's failure to adhere to the law. 

Furthermore, I will not hesitate to take appropriate legal action against Equifax to enforce my rights under the FCRA and seek remedies for any damages incurred as a result of your non-compliance. 

I urge you to act swiftly and responsibly to rectify this situation and restore my confidence in Equifax 's ability to handle consumer information in a lawful and ethical manner. 

I expect to receive written confirmation of the freezing of my consumer report within five days. Failure to comply will leave me with no choice but to escalate this matter further. 

Thank you for your immediate attention to this urgent matter. 

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

On XXXX XXXX and XX/XX/2022 there were credit applications made on my behalf. One of them was for XXXX XXXX XXXX. The other was Capital One. And the last one was XXXX XXXX. 
This is NOT me. There should be a fraud alert on my account, but somehow they were still able to apply and get a credit check. The hard inquiries are hurting my credit. I need these taken off asap. Im trying to build my credit but someone is applying for credit cards in my name. I need advice on what to do.
Product: Credit reporting or other personal consumer reports

XXXX REMOVE XXXX XXXX FROM MY CREDIT REPORT. EQUIFAX AND TRANSUNION IS REPORTED VERTIFY. I ASK BOTH CREDIT REPORTING AGENCY TO PROVIDE ME WITH THERE INVESTIGATE HOW THEY COME UP WITH VERTIFIED. I SEND A DEBT VAILIDATIONS AND I HAVE NOT GOTTEN A RESPONSE. BOTH CREDIT AGENCY IS REPORTING INACCURACIES ON MY CREDIT REPORT. I ASK BOTH CREDIT AGENCY FOR A PROPER INVESTIGATE. I ASK FOR A SIGNMENT CONTRACT AS WELL. 
To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you, I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC XXXXg Sec. XXXX ( b ) of the FDCPA. I respectfully request that your offices provide XXXX with competent evidence that I have any legal obligation to pay you. 
At this time I will also inform you that if your offices have or continue to report invalidated information to any of the XXXX major credit bureaus ( Equifax, XXXX, Trans Union ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 
I am sure your legal stafT will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 
If your offices are able to provide the proper documentation as requested in the following declaration, I will require 3 ( ) days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel fr suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 3 ( ) days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Product: Credit reporting or other personal consumer reports

Ive recently noticed that my credit report does not reflect my correct personal information, and this error has led to unknown and inaccurate accounts appearing on my credit. This situation is not only frustrating but deeply stressful and XXXX-inducing. Its incredibly unsettling to see these inaccuracies impact my financial reputation, especially when Ive done nothing to warrant them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested that Transuion remove several unauthorized inquiries from my credit report. I made them aware that I had no knowledge of the inquiries. I spoke with a supervisor at transunion on XX/XX/XXXX ( XXXX XXXX ) who refused to remove the inquiries. The inquiries were made on various dates and are listed below XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX XXXX  XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX- XX/XX/XXXX XXXX  XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

They are incorrectly reporting a late payment : Account history Payment history guide 30 days past due as of XX/XX/2022 XXXX Account number XXXX .... 
Recent balance Not reported Date opened XX/XX/2022 XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX, MN XXXX No phone number available Address identification number Not available Type Charge Card Terms NA Credit limit or original amount {$200.00} High balance XXXX XXXX Monthly payment {$0.00} Recent payment amount Not reported Date of status XX/XX/2022 First reported XX/XX/2022 Responsibility Individual *This was paid in FULL in XX/XX/2022 for {$92.00} and payment was never late
Product: Mortgage

My name is XXXX XXXX I have tried for several months to obtain information on reverse mortgage that I obtained in XXXX to date I have not received a monthly payment amount due, or a balance. Upon inquiry online I have my loan numbers and account number and no documentation, is produced, I ve read where several lenders who have purchased loan but no information to be located., on the alleged loan I have loan number XXXX XXXX  Account
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting AcXXXX 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: Student loan

On Wednesday, XX/XX/XXXX, I contacted Edfinancial and requested a refund on my XXXX dollar lump sum payment I made on XX/XX/XXXX that I am entitled to through the CARES Act. I went ahead and asked them to do that but was immediately taken aback when they notified me that the processing times would be a minimum of 150 days. On top of this, the phone representative stated that it will take another 150 days after the refund is processed for the balance to be reflected in my bank account, so I am looking at potentially a full year until I receive my money I am legally entitled to. 

It seems as though edfinancial is the ONLY student loan provider who is quoting these ridiculous wait times. XXXX, XXXX XXXX, XXXX are only quoting 3-8 weeks turnaround time and those that I know with those loan providers are already seeing their loans reflected on their account. This disparity shows a clear lack of respect from edfinancial and perhaps even malintent to try to push refunds until after the payment freeze. 

Not only is edfinancial taking significantly longer to process refunds than other servicers, but they also refuse to send any verification that the refund is being processed and I have no emails or anything to know if they even filed it.
Product: Credit reporting

This past week XXXX dealership I went to purchase a car submitted my credit report without my approval to some banks. I only authorized them to contact XXXX and they took it upon themselves to try to get me approved at another dealership. By law I have a right to chose what bank I want to do business with. 

These inquiries listed below should be deleted ASAP. I may also sue the company who had these pulled. 


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