23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XX/XX/XXXX I called Carrington Mortgage Services, CMS, : Explained I wanted to change my Homeowners Ins. Co. as current company was due to renew end of XXXX. CMS already made payment to that company. I was instructed to contact co. for a refund and mail a check back to CMS to put back in escrow. I was instructed escrow payments must be sent by paper check and clearly marked escrow only, which I did on the face of check double underscored on top and escrow only in memo on check bottom. CMS advised to send check for amount that will be paid to " new '' ins. co. {$1100.00}. Please know I sent amount instructed by Cst. service. I send escrow check in the amt. of {$1100.00}, it was mailed on XX/XX/XXXX cleared bank on XX/XX/XXXX, I thought all was good. I checked my mortgage after the XX/XX/XXXX payment had slightly decreased to {$490.00}. My account page listed new payment amount of {$680.00} to commence on XX/XX/XXXX ( also stated on escrow analysis dated XX/XX/XXXX ). I was confused and called CMS at which time I became aware of negative escrow Balance : XXXX {$1100.00} ) On XX/XX/XXXX I started investigating my account payment history showed these payments made to CMS for principal on same day escrow check cleared my account ( XX/XX/XXXX ) in addition to XX/XX/XXXX reg. auto debit cleared {$520.00} then on XX/XX/XXXX the following payments were listed {$15.00} fee, {$66.00} curtailment, {$520.00} funds received, {$540.00} funds received. I requested a review and correction I was told another escrow analysis would need to done. But to my surprise on XX/XX/XXXX a draft came through on my checking account for {$680.00} a {$160.00} increase from my regular mortgage payment of {$520.00}. I never received communication from CMS of the increased amount to take effect in XX/XX/XXXX. I called CMS and explained there was an error on their part and I immediately went to bank to stop payment amount. I also stopped automatic debit on XX/XX/XXXX as the {$680.00} was taken from my account on XX/XX/XXXX causing two overdrafts. The money came back to my account on XX/XX/XXXX. I put stop payment on CMS. Meanwhile b4 the money returned ; I pleaded they send back the amount they used for another forced curtailment payment in the amount of {$130.00} and they refused. Then on XX/XX/XXXX they tried again to auto debit my account for {$540.00}. I can show where the actually took the {$680.00} and applied it to payment, forced curtailment and a late fee of {$19.00}? ( btw when they rec 'd the escrow check I saw where they charged me a late fee there again {$19.00}? ) Nothing was ever paid late. On XX/XX/XXXX I mailed a check in the amount of my payment of {$520.00} to make sure I stay current on time.
Product: Checking or savings account

On XX/XX/2019 I went to Wells Fargo to find out why I had no money in the bank as I have twXXXX electronic deposits made at the beginning of the month. My VA XXXX Check and My SSA Check, Upon talking with Banker XXXX XXXX he provided me with a listing of transactions made to my account, On XX/XX/2019 a recurring transfer was made for {$70.00} and a XXXX transfer for {$500.00} and on XX/XX/2019 another XXXX transfer for {$500.00}, upon looking at these statements that XXXX printed out for me there were other transfers made earlier in XXXX, XXXX and XXXX all with overdraft charges. With the printed statements provided to me a total of {$220000.00} was transferred witch caused {$360.00} in overdraft charges being made. I contacted Wells Fargo in XX/XX/2019, that there were unauthorized transfers made to my account. The bank froze my account, my online banking was frozen, they issued me a new account and debit card I had no access to the information as my statements were not mailed to me due to online banking. I contacted the fraud department in XX/XX/2019 and filed a claim as well as XXXX filing a claim in XX/XX/2019. I asked my daughter on XX/XX/XXXX. 2019 to accompany me to the bank to assist me with this issue. She was put on my account to have access to get information from the bank as I am XXXX years old, I cant hear well, cant walk I'm in a wheel chair and it is very difficult to get around. I filed a police report and provided Wells Fargo ( XXXX ) with a copy, the only information I received from them is that since my daughter was added to my account this is when these transfers started which is not true I have been having issues since XXXX, they also claim that I compromised my account, they did not provide my with any other information. The bank sent a social worker out to my house from the adult protection agency to see if there was something happening at home. To date the only information I have received is the denial of any reimbursement from the bank for the above stated reasons.
Product: Debt collection

Transworld systems engaged in deceptive practices and improper credit reporting. No balance was due to transworld
Product: Debt collection

My account was paid and closed. Per a prior complaint I filed, they responded with some gobbledegook  about giving me {$2.00} to clear my account. Meanwhile, I received a statement from them indicating I owed them {$2.00} on my closed account. I think it is a way for them to start me accruing fees on this closed account. This, apparently, is their MO. Help, please.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was getting ready to inquire on purchasing a new home and of course I had to check my credit. Upon doing so, I have found several fraudulent accounts and addresses that don't and never have belonged to me. These accounts date back years and are spread out through various account types. I am disputing these fraudulent accounts with the three credit bureaus as of today, XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the XXXX XXXX XXXX, XXXX XXXX Partial acct # XXXX..., has violated my rights. 15USC 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 an account without my written instructions.

Furthermore, 15 USC 1666B states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

This has been done and in violation for XX/XX/2023 reporting as a 30 day late payment. Please remove.
Product: Credit card or prepaid card

Chase bank closed all 3 of my credit card accounts after banking with them for 5 years in XX/XX/. After spoke with them on XX/XX/, I was not given any specific reason why they are closing the accounts and I was not given the option to appeal the decision.
Product: Money transfer, virtual currency, or money service

IHi my name is XXXX XXXX I'm XXXX XXXX XXXX I filed for Retirement thru the XXXX somehow in the beginning of this year, As of XX/XX/XXXX XXXX At XXXX XXXX and XXXX pm my money was taken out from my chime banking checking account and my bank account dry ..I call chime to file a dispute that my money was taken out by an individual, and plus in many callings in different days ive been denied to my refunds, its been 3 months that ive been back and fourth with chime banking to refund me the money back, dispute # XXXX for the amount of XXXX. On XX/XX/XXXX money was taking out by the same individual dispute # is XXXX total XXXXand another one in XX/XX/XXXX all my money again was stolen dispute # XXXX total of XXXX and another transaction was made on XX/XX/XXXX for the about of XXXX Dispute # XXXX But they always give me excuses and want more documents that agents ask for, I send police reports all the documents the agents ask for ..., ,I 'm very upset and angry with chime banking banking ..I need help with getting my refunds back it's close to XXXX. XXXX  Sincerely XXXX XXXX from XXXX XXXX, Texas,...
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

In XX/XX/XXXX, I visited a branch and asked the banker for how to get PMI removed from my mortgage. The banker said she would look into it and would get back to me. A month later, I hadn't heard back from her, so I went by another branch and asked for assistance. This banker directed me to a phone line where someone would be able to assist. 

I called the phone number and spoke to someone who promised to get me a copy of the paperwork necessary to request PMI removal. A packet arrived in the mail about a week later with an application form and instructions, including a {$300.00} payment that had to be made to remove PMI. It went over their whole process, including how they would have to re-appraise the home to confirm the equity value, even though it was obvious to everyone that home values had drastically increased. My wife and I promptly completed the paperwork, issued a check, and submitted everything to Wells Fargo to the address on file. 

The paperwork apparently fell into a XXXX XXXX, because nothing was ever done. The payment was never processed, no follow up calls occurred, and we were left with no information. I followed up a couple of times but no one could give me an update on the status of my request. Realizing that they'd lost the paperwork, I requested a new application to remove PMI from my account, but it never came. 

Finally, in XX/XX/XXXX, over XXXX years after the original paperwork was sent in, I filed a complaint with Wells Fargo regarding the lost paperwork and the refusal to help me resolve my PMI issue. They escalated the matter internally, conveniently couldn't find any wrongdoing on their own part, and refused to address the matter. I asked a FOURTH time for new paperwork to be sent to me to remove PMI from my account. 

Over XXXX months later, I still haven't received a new packet with information to remove PMI from my account. I've now been paying for PMI for the past 3 years and 2 months despite the fact that my equity has exceeded 20 % of the value of the home. XXXX subsequent requests for replacement paperwork to replace the completed form and check that THEY lost have been completely ignored. At this point I have no choice but to conclude that this is a willful act on the part of the bank to continue collecting PMI from me despite the fact that I no longer am obligated to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am exercising my right under the Fair Credit Reporting Act, Section 609, to request further information about this item on my credit report - Wells Fargo Home Mortgage I wish to the original sources of the information reported including, but not limited to, the original contract with my signature.
Product: Mortgage

The homeowner has a positive change of circumstances. Today an NPV Report was generated via the Department of Treasury that show that the loan is affordable via a loan modification under the Department of Justice/ 49 States attorney Generals National mortgage settlement Agreement and guidelines. The NPV Report shows a possible workout solution under the above guidelines. The homeowner is requesting an expedited review and appeal for reconsiderations under a streamlined processing. Please see article extract of the NPV Result. NPV Date XX/XX/XXXX Unpaid Principal Balance of the Proposed Modification {$440000.00} Principal Forbearance Amount of the Proposed Modification {$850000.00} Interest Rate of the Proposed Modification 2.0000 % Principal and Interest Payment of the Proposed Modification {$1300.00} Amortization Term of the Proposed Modification 480 months Information That You Provided Which best describes you? Other Servicer & Investor Information Your Investor Other Your Mortgage Servicer Other Discount Rate Risk Premium 0 Homeowner & Property Information Data Collection Date XX/XX/XXXX Do you currently reside in the property under evaluation? Yes Borrower Credit Score XXXX Co-Borrower Credit Score Monthly  Gross Income {$8300.00} Property State CA Property Zip Code XXXX Property Value {$820000.00} Property Valuation Type Estimated/AVM Mortgage Information Original Loan Amount {>= $1,000,000} First Payment Date XX/XX/XXXX Do you have a fixed rate mortgage? Yes Unpaid Principal Balance of Your Mortgage {>= $1,000,000} Total First Mortgage Debt {>= $1,000,000} Interest Rate of Your Mortgage 3.125 % Remaining Term ( Months Remaining ) on Your Mortgage 320 Mortgage Insurance Coverage Percent 100 % Modification Fees Paid by Investor {$0.00} Monthly Payment Information Principal and Interest {$3400.00} Real Estate Taxes {$1000.00} Hazard and Flood Insurance {$220.00} Homeowner Association Fees and Escrow Shortage {$0.00} Months Past Due 13 Imminent Default Yes Important information regarding NPV Evaluation results obtained from this site. Homeowner requests a copy of previous NPV Report of Banks Servicer basis of denial report previously to deny the homeowner a " change of circumstances '' denial. The DOJ guidelines allow for a change of circumstances, to really for a loan modification after 1 year of payments into the modification.
Product: Bank account or service

I am trying to close a checking account with Wells Fargo. I stopped into a branch in XXXX, WA on XXXX/XXXX/2016 to close my checking account. I was told I could not do so because there was cash in my account. I withdrew all funds and then was told I could not close the account because I had a mortgage with Wells Fargo. On XXXX/XXXX/2016 I returned to the same branch in XXXX, WA as my home had sold. I was then told that my account was closed. When I checked XXXX XXXX, I could see that my checking account had not been closed, so I went again to the local branch for the 3rd time to close my checking account. I was told that the account had been closed, but that it would take a few days for it to process through their system. 

I recently received a letter from Wells Fargo dated XXXX/XXXX/2016 indicating that my checking had not been closed and that it was being changed to an account that would charge me $ XXXX/ month if I did not maintain a {$1500.00} minimum daily balance or have qualifying direct deposits totalling {$500.00} or more each statement cycle or XXXX debit card purchases or payments linked to a Wells Fargo Campus ATM or Campus Debit Card. 

I am now on the phone again trying again to close my checking account. 

It feels to be like I am getting the run around so the bank can start charging me fees for an account I do n't use. I suspect that if I were n't constantly following up on this, I could easily be racking up fees without my knowledge on an account I thought had been closed. 

XXXX XXXX, Operations Specialist at Wells Fargo on XXXX/XXXX/2016 assured that the account was closed and that I would be receiving a letter in 5 to 7 business days to confirm closure. 

Even more disturbing though, is that the customer service rep who I spoke with when I first called in on XX/XX/XXXX gave a confirmation number on closing my account. When I asked to be connected to his supervisor she ( XXXX XXXX ) told me there was no confirmation number for my transaction. I do n't understand what is going on and why the customer service rep gave a confirmation number when his supervisor subsequently stated one does n't get generated.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

XXXX XXXX XXXXXXXX Balance : {$29000.00} ; XXXX XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX XXXX XXXX Balance : {$39000.00} ; XXXX XXXX XXXX Balance : {$43000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} ; XXXX XXXX XXXX XXXX Balance : {$19000.00} ; XXXX XXXX XXXX XXXX Balance : {$34000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$50000.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Checking or savings account

I open a checking account with XXXX Bank on XXXX with XXXX XXXX XXXX. The terms and conditions of the offer says that if I made deposit of {$XXXX} within 30 days of account opening and maintain at least that balance for 60 days after the account opening, I will get {$XXXX} bonus interest. I only received {$XXXX}.
Product: Checking or savings account

Dear Consumer Financial Protection Bureau, I am reaching out to urgently request the CFPB 's intervention in a serious matter involving unauthorized access and transactions in my Wells Fargo bank account. Despite my efforts to rectify previous security issues, my account continues to be compromised, indicating a significant and ongoing breach. 

Account Security Breaches : Unauthorized electronic funds transfers and XXXX transactions were made from my account to unknown parties, which I did not authorize. Totaling XXXX $ My Wells Fargo Online password was changed, and my email was unenrolled from XXXX transactions without my knowledge or consent, as evident in the attached notifications. 
Unauthorized transactions involving the transfer service XXXX were made, a service I have never used, necessitating a full refund of these transactions by Wells Fargo. 
Please investigate and see who is logging into my account and changing my password. Please look up the IP address. 

Dispute with Wells Fargo : My claims have been previously rejected by Wells Fargo despite the provision of new evidence of continued unauthorized access and transactions. 
There is a clear failure in Wells Fargo 's security measures to protect my account, and the response to my situation has been unsatisfactory and inadequate. 
Legal Context : Under the Electronic Funds Transfer Act ( Regulation E ), I am entitled to a prompt investigation by Wells Fargo, recrediting of my account for unauthorized transactions, and a written explanation of their findings. 
Request for CFPB Action : Enclosures : Notification of unauthorized password change for Wells Fargo Online account. 
Notification of email unenrollment from XXXX transactions. 
Evidence of unauthorized transactions involving XXXX. 
Police report and additional documentation evidencing unauthorized access and transactions.
Product: Checking or savings account

I had a friend try to XXXX me {$100.00} on XX/XX/year> and it didnt go through so she then tried to send {$100.00} which also declined. I then received a email from navy federal stating my account was restricted and then immediately closed. The following day before me and my friend was out eating and she XXXX me {$60.00} and their was no issue. She even contacted her bank chase on a call with me she did NOT dispute anything or report anything as fraud so Im no sure why would a bank just close my account! Ive never had any problems before that.
Product: Credit reporting or other personal consumer reports

I am the author of this complaint. 



According to the Fair Credit Reporting Act 15 USC 1681 section 602a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Transunion, XXXX 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 consumers nonpublic personal information. '' XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is a financial institution under that title. 15 USC 1681 section 604 a section 2 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.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the financial institution and the Consumer reporting agencies Transunion and XXXX do not have my consent to furnish this information and they surely do not have my written consent. All consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that, 15 USC 1681C ( a ) ( 5 ) states " except as authorized under subsection ( b ), no consumer reporting agency may also make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' These accounts are adverse items, and they are reporting without my permission, which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 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, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " a consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.