23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

https : XXXX On XX/XX/2022, I started the process for a Home Loan with Wells Fargo XXXX All went through successfully. 

But, last week ( XX/XX/2022 ), the Loan agent contacted me ( using the XXXX XXXX we both work at XXXX XXXX ) saying that the Loan has been expired and in order to renew it they would need to do a new Hard Inquiry on my Credit Report. 

I have a screenshot of this conversation. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- On Tuesday this week ( XX/XX/2022 ), he contacted me again saying : Good afternoon i wanted to confirm about the re pull credit is it ok? 
please confirm today? 

And I answered : Hi! Yes I would confirm you today. Thank you! 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Nevertheless, like XXXX mins later, I got a notification in my phone that a Hard Inquiry was made. I contacted the Loan agent again right away : Me : I just got an alert that a hard inquiry was made, why?

Agent : I asked you to confirm i you wanted me to repull credir or the application because the last one expired. you said yes you confirm today. 

Me : Hi! Yes I would confirm you today. Thank you! < -- -- I say yes, I would CONFIRM today. 

Agent : my apologies i thought you were confirming yes Me : You can reverse it or I need to open a dispute? 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - I contacted XXXX about this, and they told me that I would need to send them a copy of a Deletion Letter provided by the Creditor. 

Then I contacted my loan agent again ( this time by e-mail ) telling him what XXXX told me and requesting a Deletion Letter. 

Today ( XX/XX/2022 ) I received his answer : Good morning! I spoke with my manager and he stated that he doesnt think any has the ability to write a letter. you gave us permission to pull credit at the beginning of the process. We did not need permission but was just informing him. The misunderstanding is unfortunate but it is up to you to dispute the pull with the credit bureau. I escalated complaint has been filed. 

XXXX XXXX Mortgage Processor ( LO ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - So, they won't provide me with the requested document ( Deletion Letter ) and that is why I am filling this complaint with the CFPB. 

Please help me with this, my credit report already took a XXXX hit because of this unauthorized Hard Inquiry.
Product: Debt collection

I am filing a complaint for requesting unnecessary documentation to validate a debt. 

Requesting : Original Creditor : [ Provide the name of the original creditor ] Debt Collector : Date Opened : [ Date ] Date Closed : [ Date, if applicable ] Date Account Sold : [ Date, if applicable ] Date Charged-Off : [ Date ] Date of First Delinquency : [ Date ] Date of Last Payment : [ Date ] Balance : [ Current Balance ] Also requesting payment ledger ( statements, etc. ) and records of communication with Midland if applicable
Product: Credit card

Please see the attached XXXX for the initial complaint and current status with the XXXX. Chase has opted to not provide any digital responses and only mailed me a letter after I refused to acknowledge their broken voicemail as a valid response. The letter is attached as Chase_ResponseXXXX 

" Consumers Original Complaint : I started a XXXX payment plan for {$17000.00} on XXXX XXXX XXXX with a payment of XXXX XXXX. Chase applied payments to the balance of the XXXX payment plan in a manner which benefited Chase and harmed the customer. The balance of my XXXX payment plan was reduced to {$7100.00} by XXXX  when it should have been {$15000.00}. I was then charged {$260.00} interest the following month after Chase accepted the equivalent of almost XXXX  months of advanced payments with no benefit to me as the customer. 

Additionally, Chase refuses to provide a breakdown of how payments are applied to the payment plan vs monthly charges. I would like Chase to honor the original terms of the plan and adjust the balance correctly. 

Consumers Desired Resolution : Billing Adjustment "
Product: Credit reporting, credit repair services, or other personal consumer reports

Account with jpmcb. 
Amount XXXX. 
To all my knowledge I have never seen nor used this account before.
Product: Checking or savings account

Subject : Request for Evidence and Resolution of Unauthorized Transaction I hope this letter finds you well. My name is XXXX XXXX, and I am writing to address a matter of utmost importance concerning an unauthorized transaction that occurred on XX/XX/2023, involving my Wells Fargo account. 

On the aforementioned date, an unauthorized transaction amounting to nearly {$25000.00} was debited from my account. What deeply concerns me is that I received a call from Wells Fargo during which I underwent an authentication process to approve the transaction. However, I wish to emphasize that I did not provide any form of consent or authorization for this transaction, nor did I initiate it in any capacity. 

In response to this incident, I promptly reported the fraudulent activity to your customer support team, expecting a thorough investigation into the matter. Regrettably, I was informed that the case had been closed following an investigation, with no change in the conclusion, and a noticeable lack of substantial evidence to support their findings. Despite my repeated requests, Wells Fargo has been unwilling to provide the evidence I have demanded to corroborate their stance. 

I understand that there have been cases of fraudsters duplicating phone numbers and authentication methods. However, I must emphasize that during the call in question, I was told that the call was from Wells Fargo, it originated from Wells Fargo 's official phone number, and it employed Wells Fargo 's established authentication system. Given these circumstances, it is reasonable for me to seek evidence that this transaction was not initiated by Wells Fargo. They will not provide that evidence to me! 

As a loyal and long-standing customer of Wells Fargo , I have entrusted the safety and security of my financial matters to then institution for a significant period of time. This unfortunate incident has severely shaken my trust in the institution. Therefore, I implore you to revisit my case with unwavering commitment to resolve this issue and to restore the financial resources that were wrongfully taken from my account without my knowledge or consent. 

I kindly request that Wells Fargo conduct a comprehensive reevaluation of the evidence at hand, reexamine the details of the investigation, and take the necessary measures to reinstate the funds to my account unless definitive evidence emerges that proves my involvement in the unauthorized transaction. Additionally, I earnestly request consistent updates and transparent communication throughout this review process. 

Although they say they have concluded their research they have yet to prove to me that they, Wells Fargo, did not commit this fraud. Please require Wells Fargo to provide that evidence. 

This has devastated my life! 

Sincerely, XXXX XXXX
Product: Mortgage

Our home loan was transferred last XXXX from another servicer to Mr Cooper. This spring XXXX effective XX/XX/2021 XXXX our loan was transferred to another servicer, but we have not received any information concerning the new servicer or how to pay our mortgage. When I couldnt pay my mortgage on XX/XX/XXXX, I started by checking the web site ( using my log in account ) and app for Mr Cooper, but I could not find any information about the transfer ( other than that is was transferred ). I have called Mr Cooper to get the necessary documents ( around XX/XX/XXXX ), I spoke with a customer representative and was told I would be sent the files. I found a compressed document was made available online and from the online portal I emailed it to myself. Upon trying to open the mortgage transferred informational document, I found that it was corrupted and could not be read. The automated phone service is useless and getting ahold of a representative has been painstaking, time-consuming, and ( as seen from the previous attempt above ) completely useless. I have no idea if the new servicer plans to fine me for late payments or attempt to apply some other unsavory consequences as a result of my lack of information, but I found the result, even as it stands at the moment to be completely unacceptable.
Product: Mortgage

The company that services my mortgage, Home Point Financial, sent me links to a faulty website to upload HOA insurance information. The website simply does not work, and the servicer does not participate in any of the programs where they can verify that the HOA has insurance directly. I emailed them proof of insurance several times and received no response. I called, and regardless of how long I wait, can not get through to anyone. I request to schedule callbacks, and they never happen. I one time was able to get through to their insurance department by contacting another part of the company, and they verbally and by email confirmed receipt of my proof of insurance. I separately received a message from the main customer service section confirming receipt. I now have received a letter stating that they took out an insurance policy at my expense at a cost of {$4900.00} per year.

This company is at best incompetent and should not be managing federally regulated mortgages or at worst is part of a scam where they pretend not to receive information in order to funnel egregiously priced premiums at friendly business partners.

I strongly suggest an inquiry into this company 's practices and whether they have done this to others.
Product: Bank account or service

Wells Fargo continued to bill me for payroll services since XXXX 2016. In XXXX 2016, I contacted payroll services and they continued to bill me for payroll services at {$65.00} a month. Additionally, I emailed payroll services in XXXX 2016 to terminate all payroll services and my manager told the branch to terminate payroll services. I did not hear anything back and continued to be bill. Today, they drafted another {$65.00} out of my account for XXXX 2016. So far I have been charged {$320.00} for payroll services since XXXX 2016. They are violating federal and state laws continuing to bill me for services and I want a refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXt Account # XXXX XXXX XXXXXXXX open date XX/XX/XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX open date XX/XX/XXXX, Account # XXXX XXXX, Account # XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit my credit file has been compromised. Again, I was going through my records & noticed many information, account or item which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove this files. 
XXXX XXXX XXXX XXXX : {$12000.00} If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

Dispute letters were sent on XXXX XXXX XXXX  and no response from the companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is regarding a Chase Business Credit Card. 
I called to inquire about a credit limit increase. 
While being asked questions about my income, I suddenly received alerts stating that I have a hard credit check. I did not authorize a credit check. I did not know there was going to be a credit check. 
The agent on the phone ( recorded call ) admitted that she did not disclose a credit check would be performed. She apologized. But that does not fix the fact that a hard credit check was performed without my authorization. I was simply answering questions about income. 
I called Chase and they declined to assist me with this issue. They said there was implied consent. I informed them that there was ZERO mention of running my credit and asked them to review the call. They declined and refused to assist further. 
I want this hard inquiry removed from my report. I did not authorize a credit inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon Sir/Ma'am, I sent the credit bureaus ( XXXX, XXXX and XXXX ) letters on XX/XX/2023 asking them to verify the debt on my report they have sent back stating that everything is verified correctly. XXXX is the only credit bureau that sent me back documents within the thirty day period with verification and XXXX sent an email. XXXX is still reporting inaccuracies and have yet to respond. My credit reports are still showing inaccuracies. By law 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I have listed below the accounts name number and addresses. 

Name : CCB/ ULTA  Account # : XXXX Address : 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 CCB/ FE21 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan

I applied for a payday loan from Big Picture XXXX and did n't expect my pay back amount to be so high in interest. They approved me for a {$420.00} loan and when reading the interest it will be over {$2000.00} or more to pay off .... Misleading information .... Too high of a fee for a {$420.00} loan ... Please help
Product: Credit reporting or other personal consumer reports

There is an unknown account I have never done business with that appeared on my Experian credit report. I have submitted a dispute to remove the item, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am disappointed by your claims and reject them as they lack any substantive evidence. Please DISPUTE THESE ACCOUNTS immediately, or I will pursue legal action. My frustration, distress, annoyance, and outright anger stem from your bureau 's slow response and repeated denial of my identity theft claim. 

This situation is a nightmare. Unauthorized accounts and transactions have severely affected my financial well-being and peace of mind, causing immense emotional strain. 

It is baffling that your bureau persists in disregarding the legitimacy of my identity theft claim, leaving me constantly frustrated. I sought help and fairness, yet all I've encountered is bureaucratic obstacles and lack of action. 

I demand immediate attention to my identity theft disputes. The slow response and repeated denials have only added to my distress. My life has been significantly affected, and it's time you recognize the gravity of the situation. 

I urge you to swiftly initiate a thorough investigation into these matters, remove the fraudulent accounts from my credit report, and help restore my financial standing. I am not asking for special treatment ; I am asking for what is rightfully mine as a victim of identity theft. 

XXXX XXXX XXXX and XXXX XXXX XXXX XXXX.
Product: Checking or savings account

In a shout period they cancelled the debit card, saying there was fraudulent charge at XXXX ( out of the blue without asking me about it. ) The fraud customer service group in XXXX was absolutely no help. Then, after the card was finally reinstated and I had contacted everybody who needed auto payments associated with the card XXXX of their ATM machine decided it didnt like a check I was trying to deposit. It ate bth the check and the debit card. After any hours on hold, covering XXXX days, I was told I would have to drive an hour to get a replacement card, and my check might be returned within 90 days! 
I can provide a file with an image of the check stub in needed.
Product: Credit reporting or other personal consumer reports

I called TransUnion on XX/XX/year>, to file a dispute. I dialed ( XXXX ) XXXX. I had to wait an hour for an agent to call back. Soon as l answered the phone, the agent disconnected the phone. I received the inbound call exactly at XXXX XXXX  XXXX. This is known as call-avoidance and is unacceptable. I seek to hold TransUnion accountable. Please sanction TransUnion.
Product: Credit card

At the end of XXXX, ( XX/XX/XXXX ) in good faith, a CHASE FREEDOM card was applied for. On XX/XX/XXXX, a denial letter was furnished electronically, which depicted the reasons for the denial as follows : Serious delinquency, public record, or collection item Balances on revolving accounts are too high compared to credit limits Proportion of loan balances to loan amounts is too high Too few accounts are currently paid as agreed Regardless of denial, I have a RIGHT to credit, and withholding access to my securities is securities fraud and a direct violation of the Equal Credit Opportunity Act and the Consumer Credit Protection Act, as I am the true originator of the credit and the creditor as defined in 15 USC 1602 ( g ). 

The reconsideration line was contacted ( XX/XX/XXXXXXXX  ), a series of questions ( income, taxable income, and questions about my credit report ) were asked and the same denial reason came back. 

The call was escalated to a mid-level manager ( Manager XXXX  ), who argued that the consumers are NOT the creditors. When asked which laws manager XXXX followed to determine that the consumers were not the creditors, she stated she followed Chase 's policies and by-laws. 

Chase, is bound and must follow laws of commerce, USC, SEC Exchange, etc., or there will be legal implications. 

Manager XXXX stated that it was okay and that she could do nothing else besides file a complaint. Another manager above her was requested but ( as of the complaint ), no contact was made. 

CHASE denied my application, and based on discriminatory and inaccurate information furnished on the " credit report '' obtained from XXXX and violated my consumer rights. A request was also made, if the credit is going to be denied to retract ALL information from the application to prevent fraudulent securitization, and that request was also denied. 

Based on the aforementioned, Chase has violated my consumer rights and is liable for the damages.
Product: Money transfer, virtual currency, or money service

Got scammed for XXXX dollars though western union after I sent the money I knew I messed up. Called them less than a minute later and they said there was nothing they could do.
Product: Credit reporting or other personal consumer reports

I trust this letter finds you well. I am writing to express my continued frustration and dissatisfaction regarding the unresolved issues related to both a persistently late open account and an inaccurate late closed entry on my credit file. Despite numerous attempts on my part, these issues persist, causing significant distress and harm to my credit standing. 

I have diligently pursued the correction of these entries through multiple attempts, as outlined below Initiated contact with your customer service department to address the late open account issue. 
Follow-up communication after the initial inquiry did not yield a satisfactory resolution. 
Submitted written documentation and evidence to demonstrate the discrepancy in the open account. 


Reported the inaccurately labeled late closed entry on my credit file to your institution. 
Submitted a formal written complaint, including comprehensive documentation and evidence supporting the inaccurate nature of the late closed entry. 
Engaged in follow-up communication, providing any additional information requested and cooperating fully in the investigation process. 
Despite these concerted efforts, both issues remain unresolved, adversely affecting my creditworthiness and financial standing. This situation is not only causing significant inconvenience but also eroding my confidence in the accuracy and reliability of the information on my credit file. 

I implore you to conduct a thorough and expedited investigation into both matters and take immediate action to correct the late open account and remove the inaccurately labeled late closed entry from my credit file. Additionally, I request transparent communication regarding the steps your institution is taking to prevent similar incidents in the future. 

If these matters are not addressed satisfactorily within the specified timeframe from the date of this letter, I may be compelled to explore alternative avenues, including reporting the issues to relevant regulatory authorities and seeking legal counsel. I am asking for your assistance to correct these late open account and remove the late closed accounts in my credit file : XXXX XXXX XXXX XXXX Balance Owed : {$320.00} - Please check the Payment History and Status information on this account and adjust accordingly. 
XXXX XXXX Balance Owed : {$0.00} - Investigate the way this account is reporting the date of last activity, opening date, and the account name. I believe this information may be inaccurate. I need this account removed NOW. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} - Please check the Payment History and Status information on this account and adjust accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XXXX XX/XX/2023 I filed CFPB complaint XXXX. The complaint was regading a creditor that reported inacurate and unverifiable information regrading my private student loans that resulted from engagement in unlawful, unfair, and abusive practices. I provided documentation, which clearly identified the firm, and matches the account/tradeline ( s ) for which my complaint was directed. Rather than remove the account ( s ) /tradeline ( s ) for the private student loans, TransUnion removed the account ( s ) /tradeline ( s ) for my federal student loans. How it is possible for that to happen is beyond me as the two ( 2 ) sets of student loans are serviced by entirely different entities. As a result, my credit score decreased, which subjects me to further hardship and difficulty in finding housing. So, now I am stuck with the worst outcome in having the unlawfully reported derogatory information for my private student loans in my credit file with TransUnion while, while the factually accurate data for for my federal student loans, which has reported accurately has been removed for the past seven ( 7 ) years. This has been extrodinarily difficult already because the firm supplying the unlawful and unverifiable information is largely responsible for the serious decrease in credit score to begin with.