23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I currently bank with wells fargo. I pay my bills through online banking bill pay. I pay my bills on time, all the time. About a year ago XXXX sent me a paper bill that was huge!! I called them and they told me that I had not paid my bills for over 3 months, they were ready to shut off my electricity. I said NO, I did pay my bills and I have proof. I faxed her the Wells Fargo online history of payments. 

The gal at XXXX looked into it and said that my payments went to some other account and that they would try to straighten it out. I thought it was a XXXX problem. Then she told me that my account numbers for paying had been changed so that my bank account and XXXX account were no longer " linked. '' I told her to change it back. She said, no, that it was Wells Fargo that changed my account numbers and they needed to change it back. I actually did n't believe her. 

So I look at my Bill Pay, I see the account numbers, and it shows the same as it has always shown. 

So I called Wells Fargo, I complain deeper and deeper into the company and finally a gal tells me that, yes, my account numbers had been changed " back of the house '' and no she did n't know why. I asked how they could change my account numbers and not tell me. And I could n't even see that they were changed. They never admitted anything but I could tell that something was wrong. This took many, many frustrating hours over about 10 days to resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECIEVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATIONS RESULTS.IT HAS NOW BEEN OVER 30 DAYS AND ALSO I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT RECEIVE ANY RESPONSE. 

INTIAL DISPUTE DATE XX/XX/2021 30 DEMAND DATE XX/XX/2021
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NC XXXX Subject : Formal Request for Debt Validation, Assignment Contract, and IRS Form 1099-C Compliance Dear XXXX XXXX XXXXXXXX XXXX This letter serves as a formal request for validation of the alleged debt and compliance with all applicable legal requirements under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and Consumer Financial Protection Bureau ( CFPB ) guidelines.

Request for Debt Validation and Documentation : Pursuant to federal law, I request that you provide the following documentation to substantiate the validity of the alleged debt : 1. Assignment Contract and Bill of Sale : o A complete copy of the assignment contract and bill of sale demonstrating your agencys legal authority to collect this debt.

2. Permissible Purpose : o Proof of permissible purpose under the FCRA ( 15 U.S.C. 1681b ) that justifies your access to and reporting of this alleged debt on my credit report. 
3. Debt Validation : o The name and address of the original creditor.

o A complete and itemized accounting of the debt, including the original amount, payments made, interest, fees, and charges applied.

o Copies of all contracts, agreements, or documents bearing my signature that establish a contractual obligation for this debt.

4. IRS Form 1099-C : o Confirmation and documentation of whether an IRS Form 1099-C ( Cancellation of Debt ) has been issued for this account pursuant to 26 U.S.C. 6050P. If a 1099-C was filed, please provide a copy. 
5. Verification of Reporting Accuracy : o Confirmation that all information reported to credit bureaus is accurate, complete, and in compliance with 15 U.S.C. 1681e ( b ), which requires data furnishers to maintain reasonable procedures to ensure the accuracy of information they provide to consumer reporting agencies. 
Cease and Desist Notice : Effective immediately, I demand that you cease all communication with me regarding this alleged debt, as permitted under 15 U.S.C. 1692c ( c ). This includes phone calls, letters, emails, or any other form of contact. All future communication must be in writing and limited to providing the requested validation documentation.

Demand for Compliance : If you are unable to provide the requested validation and documentation, I demand that you immediately : Cease all collection efforts. 
Remove any negative information related to this debt from my credit report. 
Confirm in writing that this matter has been fully resolved. 
Failure to comply with these legal obligations may result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the office of my states Attorney General.

Please send all requested information and documentation to my address listed above within 30 days of your receipt of this letter. 
Thank you for your prompt attention to this matter.
Product: Credit reporting

I checked my credit report and it says that I have loans out in my name but I do n't have any loans that I am aware of. I believe that I am a victim of identity theft. Furthermore, the report says I have car loans out in my name and school loans as well.
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following 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 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 XXXXXX/XX/XXXX
Product: Checking or savings account

My Wells Fargo bank refuses to replace my stolen bank card. I am in XXXX where I have been for 5 years, except for every 6 months when I go to XXXX. All of my withdrawals from ATMs reflect this. All of my messages confirm this. They have called me here twice and I first called them collect from XXXX onXX/XX/XXXX when the card and cash were taken from my purse - they were in my wallet which was taken. At first I called collect and was granted a replacement card but it later also had to be cancelled because the rural area where I am currently located has XXXX XXXX is on STRIKE INDEFINITELY. So I messaged many times that I now have been I informed the city Post Offices are delivering and the bank called me twice : on XX/XX/XXXX and the first replacement bank card was cancelled but the new one was denied me. Finally tonight I was contacted but only allowed to answer 2 questions to identify myself - Do I have an American cell phone and what is the number So they may text me a code FOR SECURITY REASONS that I must have to confirm it is my account. How insane is that? It's not possible. I live in XXXX!!! I told them I am surviving begging for money to eat, feed my 2 dogs and goat who are all with me OUTSIDE WHERE I SLEEP with NO MONEY FOR HOTEL OR ANYTHING, especially MEDICINE FOR XXXX XXXX. THEY DO NOTHING. IT IS MY MONEY I NEED AND MY BANK CARD THEY ARE WITHHOLDING, NEGLECTFULLY, ABUSIVELY, INCOMPETANTLY.
Product: Mortgage

I received an escrow analysis from LoanPal that is based on an incorrect real estate tax amount. My loan payment was increased to {$5000.00} of which {$2500.00} is the escrow amount. At this payment amount, I will be paying {$30000.00} to escrow for the year when my total taxes and insurance will be {$19000.00} for the year. I reached out to customer service on XX/XX/2020 to rectify the situation. I was told that I could not speak directly to the tax department as they do not take phone calls. Instead, I had to email my current tax bill to XXXX. I sent the email and received an automated response that my email had been received. I was told that the issue would be resolved well before my XX/XX/XXXX payment needed to be made. On XX/XX/2020, I had not received a response, so I again called customer service. They told me they had no record of the XX/XX/2020 email, even though I had received an automated response. I resent the email and was told it would be 48 business hours before I would receive a response. I asked to speak to a supervisor to expedite the response as I had already inquired about this on XX/XX/XXXX. The supervisor told me that there was nothing she could do to alter the process. I called on XX/XX/XXXX and was told that a resolution was expected XX/XX/XXXX and that the investigation was still open. I asked to speak to a supervisor XXXX XXXX XXXX and was told that nothing was being done, because a request for an escrow analysis was never sent to the tax department. She asked if I wanted to do that and I asked what have I been asking for since XX/XX/XXXX??? She put the request in. Since that call it was obvious they needed to be contacted everyday to make sure they were actually working on the case, I called again XX/XX/XXXX, XXXX and XXXX. I was told today to call back Thursday morning XXXX XX/XX/2020 XXXX to find out if the request has been completed. At this point, I have no faith in their system and have a payment due by XX/XX/XXXX for the incorrect, fraudulent amount. I have been asking since XX/XX/XXXX what my correct payment amount is. I also sent a XX/XX/XXXX package ( XX/XX/2020 ) with a letter and all the details to XXXX XXXX, CEO. As of XX/XX/2020, I have not received any response from XXXX nor do have answer to what my correct payment amount should be.
Product: Debt collection

According to the FDCPA a debt buyer is considered a debt collector and must have proper licensing to operate business in the state of Illinois. I preface this to say the company Support Collectors , Inc, has been illegally reporting an alleged debt on my credit profile without an Illinois Collection Agency License. The amount of the alleged debt is XXXX XXXX I am not tied to this debt, therefore this debt needs to be removed from my XXXX and XXXX accounts immediately.
Product: Student loan

In XX/XX/XXXX I was told my loan will go into deferment so I wasnt going to have to pay anything for XX/XX/XXXX as I look at my credit report I see I have 2 late payments on my credit report from XX/XX/XXXX and XX/XX/XXXX before my loan actually went into deferment in XX/XX/XXXX I feel like if I wasnt told that it will go into deferment I would have continue to pay as much as I could on my loan until it actually went into deferment
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction bynthe consumer. I submtted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information was affected by the XXXX XXXX data breach as well as XXXX 's XXXX date breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
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: Mortgage

We have a home loan with Quicken for an investment property. The payment was ~ {$950.00} and for the last 4 years, we have paid {$1000.00} every month, have never been late. 
Last night, my wife checked her credit and saw 2 delinquencies filed for this loan. We called quicken to try to understand what happened, they told us there was an escrow change and our new payment was {$1000.00} - and since we were short {$50.00}, the credit agencies where notified. 
We explained to them we have not received any information regarding a new payment in writing nor any phonecalls. They insisted they mailed us a letter in XXXX ( which we did not receive ) and because we were short by {$50.00}, our mortgage is delinquent. They refused to work with us to fix it - had we known it would have been no problem. 
We are not only now afraid that her credit has dropped by 200 points but we are afraid they will use situations like these to foreclose on properties like this, it is predatory behavior. I have other loans with other companies and no one has treated us this way - especially after a 4 year relationship and especially for a {$50.00} gap which was clearly a communication issue. 

We then found out that Quicken did not change our address in the servicing database from a move 3 years ago even though we called in to make that change AND did a USPS change of address. They confirmed it was mailed to the wrong address but refused to work with us. What's more is that we have had loan applications with them since and confirmed that they did in fact have the most recent address. They didn't tell us the escrow changed, then filed a delinquency record and refused to update it or any late fees for {$100.00}!!! 


This feels illegal and exploitive.
Product: Checking or savings account

My individual checking accounts with JP Morgan Chase Bank ( Chase ) were hacked five times by parties unknown to me who were able to access my accounts without my knowledge or consent and fraudulently and illegally withdraw ( steal ) funds through outgoing wire transfers to third party accounts. Chase has refused to fully reimburse me for my funds that were entrusted to them. Furthermore, they have refused to provide me with any information as to what, if any, action they've taken to investigate these illegal acts and recover my funds.

Chase apparently has taken the position that I'm somehow at fault or contributed in some fashion to the first two hacks and illegal wire transfers, and they have refused to reimburse me for the funds that were stolen on those two occasions. I obviously could not have anticipated these hacks and illegal wire transfers ( that occurred in the dead of night ). I do not use wire transfers in my personal banking affairs, as I've repeatedly stressed to Chase representatives. I requested the wire transfer function connected to my accounts be disabled and was repeatedly assured by Chase representatives in Customer Service and Technical Support that it had been, yet the hacks and illegal wire transfers continued.

I have literally spent hundreds of hours attempting to resolve this matter before contacting the CFPB. I filed a formal complaint with the Executive Office of Chase in XXXX, TX via certified mail delivered XX/XX/2022. My complaint was assigned case number XXXX. I received an email from a Chase Executive Office Specialist ( researcher ) by the first name of " XXXX '' with whom I've spoken twice by phone ( the last time on XX/XX/XXXX ). She told me my case was under review by " legal '' but couldn't or wouldn't provide me with any additional information or tell me when I might expect resolution of my case. 

I wish to stress I was a loyal, longtime customer of Bank One and then Chase. I have been treated in a callous and unscrupulous manner by Chase. They have no grounds for withholding reimbursement of the funds that were stolen from me due to their lax security measures and negligence, and are in breach of their fiduciary duties.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau, I am given the " run-around ''. I am being told that they have not received said documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times ; I am still given the same response. I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per transaction. Additionally, I demand that ALL items listed on each letter be DELETED from my reports.
Product: Mortgage

I went through the preapproval process with loan Depot to do a Cash-Out refinance of an investment property. According to the process, I was preapproved based off of debt to income ratio, and income level, to take funds to consolidate some credit card debt. After two months, the lender ( Loan Depot ) came back with a denial. Their denial was based on their incorrect interpretation of an employer  provided note that was forgivable, not on my credit report, not asked about in the beginning, nor an ongoing financial obligation of mine, to my debt load on the basis that they said they ( Loan Depot ) could not guarantee that I would maintain employment with my firm and it would become an obligation of mine. The Loan is paid back with time served, not money and there was one year left on the note. I have applied for, and been approved for another home purchase as well as another refinance without any negative impact of this note since it was granted 5 years ago. They are assuming I will lose my Job, which would impact more than my note, it would impact my income as a whole. I have never had a loan assume a future loss of employment. It is no different than arresting someone for assumption of a future crime. I demanded my appraisal fee back, as I would never have gone through the process had this requirement been disclosed in the beginning. Not only did I waste my time with the company, but I lost money on the process.
Product: Mortgage

IN RESPONCE TO THE LETTER RECEIVED FROM YOU DATED  XXXX   XXXX , 2017- YOU STATE THAT YOU HAVE PREVIOUSLY ADDRESSED THIS MATTER WHICH IS A LIE. I 'M INCLOSING THE EVIDENCE! WELLS FARGO IS REPORTING THIS ACCOUNT #  XXXX  TO  XXXX  WELLS FARGO IS REPORTING THIS ACCOUNT AS $  XXXX  PAST DUE AS OF  XXXX   2017  BUT TO   XXXX    WELLS FARGO IS REPORING THIS ACCOUNT AS $  XXXX  PAST DUE AS OF  XXXX   2017  BUT PAYMENT SCHEDULED SHOWS ALL PAYMENTS RECEIVED FOR EACH MONTH REPORTED LATE ... ... ..   I HEREBY DEMAND YOU TO DELETE THESE ERRONEAOUS LATES FROM THIS ACCOUNT FROM MY CREDIT REPROT FROM ALL CRAS, AS THIS ACCOUNT IS IN VOILATION OF FEDERAL STATUTES AND SHOULD NOT BE DAMAGING MY CREDIT IN THIS WAY!
Product: Credit reporting or other personal consumer reports

Experian allowed XXXX XXXX XXXX XXXX wrongfully put a debt on my credit report that is not mine and due to identity theft. I have an active and fully paid tmobile account so this debt should not be in collections. There is no past due amount as my tmobile account is currently paid up to date. This account number is not mine. Ive filed ID theft report with FTC and will pursue legal action for slandering my Experian Report. I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts. 15 USC 1681 section 602 A. 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. These accounts were opened fraudulently : Disputed Account : XXXX - XXXX XXXX XXXX {$280.00} Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX.. Balance : - ; XXXX XXXX XXXX XXXX .... Balance : - ; XXXX XXXX XXXX XXXX .... Balance : - ; XXXX XXXX XXXX XXXX .... Balance : {$1400.00} ; XXXX XXXX XXXX .... Balance : - ; XXXX  XXXX XXXX .... Balance : {$410.00} ; XXXX XXXX XXXX .... Balance : {$450.00} ; XXXX XXXX XXXX .... Balance : {$1700.00} ; EQUIFAX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX Inquiry : XXXX. XXXX, XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

My mortgage loan application ( refinance from a reverse mortgage ) was canceled by XXXX XXXX ( ML Processor ) at US Bank in XXXX, KY after a XXXX XXXX month proces on XXXX XX/XX/XXXX. Her boss is XXXX XXXX. There were several reasons given. Once being I refused to give them access to my Reverse Mortgage history. That is completely inaccurate, as a reverse mortgage does not by law have to report to any credit agency because there is no payment history. 
Second reason given was the debit to income ratio was too high. I have been furloughed from my job as a school crossing guard due to COVID 19 since XX/XX/XXXX. I have received unemployment since then. They stated that income can't be used. 
Both of these mortgage processors knew that from the beginning and yet they put me through 2 1/2 months of delays. 
My complaint is the {$390.00} application fee has never been refunded. I spoke to a XXXX XXXX ( supervisor ) on XXXX XX/XX/XXXX at the XXXX, KY location and was advised she would contact the sales dept. After several emails to various loan processors, I have not received a refund. 
This was a long and arduous process which I ended up explaining to all how a Reverse Mortgage works.