23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Wells Fargo Home Mortgage just inform me in the last couple of weeks that I have been switched from a 30 year FIX rate to an adjustable interest rate on my primary mortgage. In the year XXXX when I was trying to get the financial support to obtain my property. I had a credit rating of XXXX ( Excellent ). Their were no reason for me not to able to get any institution to finance the home in XXXX Colorado. I chose to get help from the people who were in offices that were building the new homes at the time, and they started the process of getting Well Fargo Bank t involve in financing my home. I indicate at the time that I wanted a 30 year fix on my new home, and XXXX XXXX from XXXX XXXX Services indicate that Well Fargo would not do a 30 year on the secondary mortgage, but They would do a 30 year fix on the primary mortgage. Now 11 year later I receive a Letter from Well Fargo Home Mortgage indicate that my mortgage would increase in XXXX, because I sign a Document that indicated I would go from a 10 year fix to a Adjustable rate in XXXX of XXXX. I am just now paying only the principal after 10 years of paying both the principal and interest on my Home. I feel like both Well Fargo Bank, and XXXX XXXX XXXX have deceit me, because I was told by XXXX XXXX that the paper work that I was to sign in XXXX of XXXX would only include the secondary mortgage, as, adjustable and I could Fix that at in time, and I did fix the secondary in the year XXXX. Now too my surprise 11 years later. They inform me that their was a Fixed/Adjustable Rate Note among all the paper work that I put my init on ( GH ). that stated that I would converse from a Fix mortgage to a adjustable after 10 years. What reasonable person would do something this crazy. This is another sample of some of the bad practices that I have been reading, about Well Fargo Bank. Now I find out that Well Fargo Bank CEO has step down for some of the problems that they have created. I saw the congressional hearing on Television, and I understand WHY he had to step down. I am a customer that has lost faith in Well Fargo Home Mortgage, and Well Fargo Bank. Please help me to resolve this issue with Well Fargo Home Mortgage I have just turn XXXX XXXX XXXX, and I have begin to set myself up for retirement, but now this problem has stop some of my plans.
Product: Checking or savings account

WE ARE VICTIM 'S OF CHECK WHITEWASHING. MY MOTHER WHO IS XXXX XXXX XXXX AND BESIDES HERSELF OVER THIS ORDEAL, WROTE OUT XXXX CHECKS - # XXXX AND # XXXX - FROM CHECKING ACCOUNT # XXXX - MAILED IN THE SAME ENVELOPE. MY NAME WAS ALSO LISTED AS ACCOUNT HOLDER ON THIS NOW CLOSED ACCOUNT. SOMEHOW THIS ENVELOPE WAS INTERCEPTED AND IT WAS REALIZED ON XX/XX/XXXX, FROM REVIEWING THE BANK STATEMENT THAT CHECK # XXXX WAS FRAUDULENTLY CHANGED TO A DIFFERENT NAME OTHER, NAMELY : XXXX XXXX AND CASHED IT IN THE CHANGED AMOUNT OF {$6800.00}. IT WAS ORIGINALLY MADE OUT TO " XXXX XXXX '' IN THE AMOUNT OF {$80.00} AS A DONATION TO HER PARISH. WE PUT A STOP PAYMENT ON THE SECOND CHECK BUT APPARENTLY, IT TOO WAS WHITEWASHED AND THERE WAS AN ATTEMPT MADE TO PAY OFF SOMEONE'S PARKING TICKET. 

ON XX/XX/XXXX, I CONTACTED CITIZENS BANK AND SPOKE TO XXXX XXXX TO INFORM HER AS TO DETAILS OF WHAT TRANSPIRED. SHE SAID SHE WOULD GET BACK TO ME ON IT. SINCE THEN, WE HAVE WRITTEN TO THE BANK, SPOKE TO SEVERAL EMPLOYEES AND FOLLOWED ALL OF THE BANK 'S REQUEST AND WAITED FOR RESOLUTION WE SEEK WHICH THEY ASSURED US OF. THEY BEGAN CHARGING FEES ANDD PENALTIES FOR OVERDRAWN CHECKING ACCOUNT, FOR WHICH WE LATER- WITH HAVING TO SPEND TIME AND ENERGY DEALING WITH NUMEROUS BANKING PERSONNEL - MANAGED TO GET REIMBURSED. THE LAST LETTER SAID THEY WOULD LOOK INTO AS IT USUALLY TAKES 6-8 WEEKS TO FOR A CLAIM TO BE RESOLVED, AND AS WE ARE APPROACHING ONE YEAR, WE STILL HAVEN'T HEARD BACK WITH A RESOLUTION SINCE ; THEY'VE ONLY PASSED THE BUCK ONTO XXXX XXXX XXXX AND WE HAVE NOT HEARD FROM THEM SINCE XX/XX/XXXX IN A LETTER RESPONDING TO MY XXXX COMPLAINT.
Product: Credit reporting or other personal consumer reports

I sent 2 letters to EXPERIAN disputing an account listed on my consumer report. They received my first letter on XXXX, XXXX XXXX  and my second letter on XX/XX/year>. EXPERIAN refused and failed to conduct an investigation into and remove the account under dispute. EXPERIAN refused and failed to send any communication regarding the disputes they received from me.
Product: Money transfer, virtual currency, or money service

I didnt know how to XXXX and I sent XXXX and it was sent to the wrong person XXXX Wells Fargo Bank
Product: Credit card

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and are a result of fraud that I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All the accounts and collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft as proof from the US Federal Trade Commission that all the consumer credit accounts and collections s are the result of identity theft and fraud.
Product: Mortgage

I applied for a refinance loan for my residence ( a house ) with Loanflight Lending LLC of XXXX, FL. ( NMLS XXXX ). The terms stated on the initial loan estimate of XX/XX/XXXX states 2.875 % interest for 30 years, 0 points. On XX/XX/XXXX they sent me an updated closing disclosure. It shows an increase in closing costs but the terms were unchanged. Significantly, it shows 0 points. On XX/XX/XXXX XXXX XXXX from Loanflight called me to inform me that my rate lock expired but that they were going to extend it. He did not mention the addition of any loan origination charge. After the final condition was apparently withdrawn ( several conditions that did not have any bearing on my ability to pay back the loan were apparently withdrawn - more on this later ), I was sent what should have been the final closing disclosure on XX/XX/XXXX. In it Loanflight had sneaked in a .63 % loan origination fee which was not in the previous disclosure nor mentioned to me previously in any form of communication. In my case the .63 % amounts to {$1700.00}. I guess they just hoped I would sign without noticing it? Also, the APR is missing from this disclosure even though it appears in the previous disclosures. 

In his email of XX/XX/XXXX, the loan officer, XXXX XXXX ( NMLS # XXXX ) explained that this fee was tacked on because the rate locked expired. But the rate locked expired because they had placed two conditions on the loan that I could not satisfy ; 1 ) Provide proof of homeowner 's insurance on an unrelated condominium that I own, and 2 ) have a judgement, by a child support agency, removed that ensures that I continue to pay {$120.00} in monthly child support until XXXX. With regards to the first condition, my condo is not being used as collateral for the loan and the lender on that mortgage does not even require homeowner 's insurance. With regards to the second condition, it's not even possible to clear a child support judgement until the child support payments are completed. They don't seem to know this. Btw, I voluntarily requested my payments be automatically deducted from my paychecks until my obligation ends in XXXX, XXXX. Apparently, both conditions have been withdrawn ( maybe because they are irrelevant? ). But trying to meet these conditions caused the loan closing to be delayed and the rate lock to expire. 

They didn't get away with this because my loan app is for a refi and I could walk away from it. But I wonder how many home buyers were forced to accept this trick in order to close escrow on time. I know this is unethical but you decide whether it's illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a card reporting on my Experian credit report for XXXX  XXXX XXXX in the amount of {$9300.00}. I have NEVER applied for a XXXX XXXX XXXX Card. I've told XXXX XXXX XXXX, Experian and now the Credit Collection Company that this is NOT my card. I was a victim of Identity Theft. This is still showing up on my credit report and NO ONE has reached out to me to resolve this issue. I have sent over 10 letters to both XXXX XXXX XXXX, Experian and the Credit Collection Agency XXXX XXXX XXXX. This needs to be removed IMMEDIATELY from my credit report. I am a senior citizen and hardly speak any English. Every time I have to call or dispute something I have to have a neighbor help me. This is against the FTC rules to report incorrect information on someones credit.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The TRANSUNION credit bureaus must validate This account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$16000.00}
Product: Checking or savings account

Bright money has charged me XXXX dollars on XX/XX/XXXX. It was not authorized, I never used their service or authorized XXXX dollars. I have called support and they did not help and said they did not receive my money yet as it is in transit. I have emailed support and they sent me a blank email. I have tried chat support and am told to send an email. Which I already have. I just need my money back asap. My {$99.00} dollars
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Regions Bank an affidavit XXXX XXXX regarding an account opened without my permission. I received a response on XXXX XXXX from an XXXX XXXX from the XXXX XXXX department that the account was frozen. Until this date the accounts are reporting on my XXXX, and XXXX credit profile, ( XXXX ) ( XXXX ). In accordance with the Fair Credit reporting act, Regions Bank has violated my rights. 

1

5 USC 1681 Section 602 States I have the right to privacy.

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

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

Attached is the documentation that was sent and the response email. 

idtheft XXXX XXXX XXXX, XXXX, XXXX AM to me Hello, Your affidavit has been received. We have frozen the account ( s ) opened with your information. We will review the affidavit and close any accounts opened fraudulently. At the completion of our investigation, a resolution letter will be mailed to you. Please allow 30-45 days for the investigation to be completed. 



Thank you, XXXX XXXX XXXX XXXX XXXX Team Lead Corporate Security Regions Bank
Product: Credit reporting or other personal consumer reports

I have reviewed my credit profile and noticed inquiries/ or collection that i have given written Instruction to 3rd to report to my file. According to The FCRA this is in violation of 15 USC 1681b -PERMISSIBLE PURPOSE. Please understand that no consent is IDENTITY THEFT.
Product: Debt collection

Dear Customer Care, I have no knowledge of this account. please remove this from my credit profile. 

thanks XXXX
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX  are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Account Information : Creditor : CARHOP FINANACE, UNIVERSAL ACCEPTANCE CORPORATION ( CO ) Date of First DelinquencyXXXX Amount : {$7600.00} I am aware that under Section 1681e of the ( FCRA ), every consumer reporting agency is.

obligated to maintain reasonable procedures designed to avoid violations of Section 1681c. And to limit the furnishing of consumer reports to the purposes listed under Section 1681b.

Reasons for Dispute : The reported collection account is closed, and I believe it should be updated to reflect its closed status accurately. 
I request verification and validation of the debt, as allowed under the ( FCRA ), including details on the original creditor and the amount owed
Product: Student loan

At the beginning of the year, my loans were being service by XXXX. I was told repeatedly I had to recertify by mid XXXX or my payments would increase. I submitted an application to change to the XXXX XXXX  on XX/XX/XXXX. On XX/XX/XXXX, It was announced that income recertification for XXXX would be pushed back until XX/XX/XXXX. I called XXXX on XX/XX/XXXX at XXXX to cancel my application to switch my plan. I was told the application would not be processed. On XX/XX/XXXX, I received notification that my application was processed and accepted despite being previously told it was cancelled. My payment went from {$99.00} up to {$2100.00}. I sent a notification to XXXX on XX/XX/XXXX ( attached ) stating that this was done inappropriately and I would like to be reverted back. I never received any reply regarding this specifically only an auto generated response stating my account was deliquent by 2 days ( which it was not as I was on auto pay at the time- a screenshot of this is also attached ). I followed up by called XXXX on XX/XX/XXXX at XXXX and spoke with XXXX XXXX She stated my account would be placed into forebearance and she had filed an internal XXXX  to have my plan reverted back. I called to check in this on XX/XX/XXXX and XX/XX/XXXX and both times I was told it was still in process. I had administrative forebearance extended until XX/XX/XXXX. I received notification that my loans would the transition to Ed Financial beginning in XXXX. I attempted to reach XXXX regarding this issue again prior to transfer without success. Once my account was fully transferred I spoke to a representative at Ed Financial on XX/XX/XXXX regarding this matter. She stated that she would have to escalate this and a supervisor would be calling me within XXXX hours. I never received a call back. I called again on XX/XX/XXXX at XXXX and their dedicated loan XXXX team would be looking further into this and I would have information within XXXX business days and they would call me directly. This never occurred. My most recent conversation occurred on XXXX. I let them know I never received information or a call back from either encounter. I was told XXXX still has not sent them detailed information from my transferred account so they are still unable to assist. They also stated they are unable to place me on administrative forebearance at this time. XXXX has not supplied them with the information to rectify this situation and Ed Financial is unwilling to place an administrative forebearance on my account while this is investigated resulting in my current balance ballooning every month. I have made my previous payment amounts from my original payment plan out of good faith. I am unsure where else to turn to rectify this.
Product: Money transfer, virtual currency, or money service

XX/XX/19 I brought a cashier 's check from a respected XXXX bank into a local Wells Fargo branch to deposit. My timing was based on the goal to deposit it on a day with a higher conversion rate. I brought in a print out from their website showing that day 's rate ( 0.8029 US $ per 1 CAD $ ). The amount was CAD {$190000.00}. 
I had shown them that day 's exchange rate from the website. Managers at the branch discussed it for 15-20 minutes while I was in the waiting area. I was informed that it would be processed through the Wells Fargo Foreign Collection Service and fees would also be assessed. The process would take 4-10 weeks. I was concerned about the potential for the exchange rate to change significantly during this period. I was then told that I would get the best rate during the time period until the deposit cleared. I confirmed two more times to ensure I understood correctly and again was told it would be at the .803 rate or higher. I agreed to proceed based on this. 
On XX/XX/19, my Wells Fargo account was credited US {$140000.00}. This was based on a .744 exchange rate and less US {$200.00} fees. This was based on corporate policies that I was not made aware of. The branch did not provide the correct information to me. Using the minimum .8029 rate  discussed with them on XX/XX/19, the deposit amount should have been US {$150000.00} ( after fees were removed ). This is a difference of US {$11000.00}. I had agreed to the fees and have no issue with paying them. 
On XX/XX/19, I contacted the Wells Fargo branch and asked to make an appointment to discuss this. They said they would have manager call me. After connecting, it was agreed to forward the complaint to the Wells Fargo resolution department. A contact from that group was very helpful and kept me updated about the status of the resolution process. 
On XX/XX/19, the resolution contact called me and told me the offer from the branch is to refund the service fees of {$200.00}. I declined the offer and requested not to have the funds deposited in my account. I indicated I would seek alternate methods to have this resolved satisfactorily. I have since consulted with an attorney.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in months that are reported late to be removed. They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to authorize the attached accounts and inquiries on my consumer report. Please remove them immediately. Please see the attached documentation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 U.S. Code 1602 ( p ) these companies are in violation of unauthorized use of my credit for I received no benefit due to no accounts being opened.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX and TransUnion for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX and TransUnion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Mortgage

I want JP Morgan Chase to buy back my mortgage from the third-party predatory lending system. In XXXX after receiving substantial government funding subsidies from the XXXX housing downturn under Obama, Chase Bank breached my trial modification contract. This unexpected and unwarranted breach-of-contract caused me an irreparable housing hardship still adversely experienced today. I have not recovered from the harm Chase Bank caused by bundling my mortgage, probably for pennies on the dollar, and selling to the highest corrupt corporate land-grab bidder. I made every payment on time per the terms of the contract for over 2 years in hopes of gaining permanent modification status for the agreed-upon {$1400.00} monthly payment. Id like to discuss reinstatement of the rescinded trial-modification contract terms. Better yet, right this wrong and write off my mortgage as a gesture of atonement for this inhumane housing-insecurity transgression. 

I spoke with a Chase Bank representative in XX/XX/XXXX to give them an opportunity to resolve the issue. Chase Bank executive team member XXXX XXXX about my grievance and I have been asking Chase Bank representatives to please provide me with data regarding how many modification contracts they breached during the XXXX housing crisis. Chase Bank representatives refuse to provide me with the requested data on breached contracts. Chase Bank representatives say that they conducted an internal investigation based on my claims of discriminatory banking practices, and they say that no discrimination was discovered during the internal investigation. 

This is why I am calling for data to be provided from Chase Bank that shows the number of XXXX homeowners that had their trial modifications breached by Chase Bank. Chase Bank has pledged 30 XXXX in funding to provide to POC communities for new home loans, but they refuse to do anything to make restitution to the homeowners whose modification contracts were breached even though Chase received billions if not trillions in federal bailout funding to help distressed homeowners. 

Why is Chase bank being allowed to get away with breaching modification contracts and why do they not have to provide data that shows XXXX people were not targeted for discrimination. Chase Bank 's actions are criminal and they should be held accountable to the homeowners that they harmed before rolling out programs to help future buyers.