23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/XXXX I submitted a claim for {$550.00} against XXXX. I received an email from XXXX saying they were closing my account because they found fraudulent transactions. They then came back to Wells Fargo with proof it wasnt fraudulent. The proof being my ID was used. The only time I have ever used my ID was when I set the account up with XXXX. Not to make any transactions. Ive tried to get in touch with XXXX. And I havent been able to. I was denied my claim. I didnt have access to my debit card. I had to get a new one. And XXXX refused to remove my card and bank account information for weeks. Wells Fargo gave me credit for the amount. Then this morning I woke up negative {$330.00} in my account because weeks Fargo changed their mind.
Product: Mortgage

Around XXXX of XX/XX/XXXX we were 2 months behind on our mortgage payments. We were told that we could apply for a modification and so that 's what we did. After being told we qualified for {$70.00} less on our normal payments for 3 months, we were also told to not make a payment until XXXX XX/XX/XXXX. Under this plan we would be protected from foreclosure. We were then told after these 3 months, if we paid on time there was a possibility it could be lowered more and become permanent. While {$70.00} was n't going to help us very much, we decided to accept this trial period in hopes of further help in the future. However, what we did n't know was that we would also be accumulating unpaid months and after our trial period was up we would be further behind and in worse shape than ever. We now are 6 months behind because of this so called " help '' we received. I do n't see how this was supposed to help us at all. We did everything were told to do only to find later that it has hurt us beyond help. We are now concerned about losing our home to foreclosure.
Product: Vehicle loan or lease

On XX/XX/, I paid just over XXXX to Hyundai Motor Finance in XXXX Texas. They requested an odometer statement. I did it and got confirmation by docusign same day XXXX. XXXX asked about XXXX times and I filled it out on XXXX, XXXX, and XXXX of XXXX. I called several times. Finally hmf said they received it but I havent received the title. The buyer of my vehicle is threatening to walk away and I dont blame him ; they sold their vehicle already in anticipation of my vehicle sale. Please help! XXXX took my money immediately and I have no proof of actually owning my car and this have no ability to sell it. Ive already bought a new vehicle and am paying double insurance! Please help!
Product: Credit reporting or other personal consumer reports

Credit Karma is a partner of XXXX and XXXX and therefore must be protected albeit by any arbitrary agreement that these agencies enjoy over customers/consumers on their credit reporting webpages and as i result exercise my right herein to opt out of any and all direct or indirect arbitrary agreements that i have entered into with Credit Karma within last 12 months.
Product: Debt or credit management

I have been working with face servicing for the past four months on loss mitigation options to avoid foreclosure.

They offered a unaffordable modification in which my term was shortened and payment was increased from XXXX to XXXX. Since this option was unaffordable and setting me up for failure, we requested a non-retention option of a Shortsale.

My account manager at Fay stated I would need to submit a letter in writing that we were declining the modification and requesting a Shortsale. We complied and sent a letter rejecting the unaffordable modification and requested a Shortsale.

Fay servicing sent us a letter, approving us to participate in the Shortsale program on multiple occasions and sent a company to our home to complete a broker price opinion to determine equity. We listed the property found a buyer provided all the documentation, including a preliminary HUD and waited for approval. 

Initially, our paperwork got mixed up with another homeowner and we were told we were approved for the Shortsale. However, the process dragged on for several months, and we got blindsided by their attorney, filing a writ for a sheriff sale in the middle of of short sale application. We were told the Investor changed their mind and would rather foreclose. Clearly this dual tracking is a continual problem with Fay Servicing as the 2nd CFPB lawsuit has been in the news.

We also have been told the loan was sold, but have never received our 404 request in writing stating who the investor is and who would get paid if we were to sell the home.

Oh for five years, I have tried to sell the home, however, due to clouded title another reason why their last sheriff sale got vacated and failed. We were unable to sell the home. Fay Servicing collects money for the 2nd lien holder and are in 2nd position. This is due to an arrow, Washington mutual our original mortgage holder made by not paying off the HELOC as as they promised they would during a refinance. I have also requested a copy of the subordination agreement from Fay servicing that we were billed for on our HUD when we refinanced, however they have failed to provide it.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX breech made clear that none of these credit report agencies have my or any other consumer 's security in mind. As a consumer, I have no ability to manage, secure, or opt out of the system. 
Identity theft is a real problem and all to easy commit with limited knowledge of the victim. Steps have to be taken on the federal level to protect US citizens and consumers from Identity theft and misuse. As I see it, the following actions need to be taken : 1. Prohibit the social security number from being used as a means of identification. The SSN should be used only for the collection, assessment, and distribution of social security taxes only. The dependency on a " secret number '' that is required for virtually every " big ticket '' purchase to keep our identities safe is an exercise in foolishness.
2. Set up HIPAA-like protections on identity. Force modern encryption standards on all databases containing identifying data. Make it incumbent upon any agency that wants to collect and store such data to properly secure it so that breech of a database can do limited damage at most. Impose stiff mandatory fines upon any company that loses control of such data and force compensation to be paid to any possible victim.
3. Come up with a system where identity can only be verified with participation of the consumer. Possibly based on a XXXX platform. Thereby the user can explicitly control who has access to his/her identity and who does not.
With modern day encryption techniques and technology, this level of security is attainable. One of  the main duties of the Federal Government is to protect its citizens from harm. Read any account of anybody who has had their identity stolen and you will realize a living XXXX that I pray I never experience. Do what 's right, protect your citizens.
Product: Mortgage

I have been attempting to obtain a modification on my mortgage loan since last XX/XX/XXXX The first attempt we had to start the process over because of the length of time that passed. This time we submitted everything that was asked of us in a timely manner each time we received a letter or phone call and I received a letter from the bank on XX/XX/XXXX stating they had not received all required documentation they would be unable to offer assistance options. The week of XX/XX/XXXX was the last contact I received via phone call requesting documents from a male co-worker of our Home Preservation Specialist asking me to send 2 documents the last week of XXXX and I faxed those documents the same week. Since that time, we had not received a call or letter notifying us of any additional documentation needed like we had in prior communication with the bank. The letter also did not state which documents were missing. On XX/XX/XXXX, I called the Home Preservation Specialist ( HPS ) we 'd been working with throughout this process who stated she would transfer me to the Re-entry Program. I spoke with that contact person who stated he would have the HPS review our package to find out what documents were missing and the HPS would contact me by XXXX, XXXX XXXX. I had not heard from the HPS on said date so I called her and left a message asking for a return call with the status of the review. On Thursday, XXXX XXXX, I called the HPS again and left a message asking for an update of the review. I then proceeded to call the Re-entry Program contact number provided in my initial call on XXXX and an automated message stated they were currently having technical difficulties and the system then disconnected the call. I believe we are getting the run around and are not being treated equitably.
Product: Debt collection

It's been 2 months and this is still being reported as an open unpaid account. This is ridiculous! Please completely remove this off of my credit report from all three of the major credit reporting bureaus : XXXX, XXXX and XXXX. If not my next step is to get a lawyer involved that understands this area of the law to resolve this issue on my behalf. At this point it's not about the money. I already paid you in full, you've been paid. Now it's about your business practices. Please completely remove this off of my credit report from all three of the major credit reporting bureaus : XXXX, XXXX and XXXX
Product: Debt collection

I received a letter from grant & weber on XX/XX/2018. The company sent me an itemized bill from XXXX XXXX XXXX saying that i owe XXXX and the interest is XXXX. This is a hippa violation and i plan to sue grant & weber if they do not delete this information off of my credit report. I also do not have a contract with grant & weber.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have information missing from my credit report : - XXXX XXXX - XXXX - XXXX  - XXXX
Product: Checking or savings account

We have had a business checking account at Wells Fargo since 1993. In fall 2022, Online Banking flagged me to visit a branch to update our records. At that time, we found over the years and through the mergers, our corporate bank account was a complete mess. The signature cards didn't come over correctly and there were no up to date documents. The local branch and myself set out to fix the account to get everything up to date. I had my corporate book, stock certificates, original signature cards prior to the merger, etc. Basically I had all the docs they needed on hand. It has taken months to get through this process. During this time, our office moved on XX/XX/XXXX and I put in a change of address. On the Wells Fargo back end, this created havoc in their system and started rejecting documents because the " address didn't match ''. So we work through that and sign Multiple beneficial owner documents because the back end kept rejecting it. The latest was rejected for a comma. Seriously, a Comma. Keep in mind all of the documents were prepared by your in branch staff, who have proven to be very capable and have stayed on top of these documents. On XX/XX/XXXX Wells Fargo freezes the account with absolutely no communication. This return all deposit and debit transactions and I have no access to the funds. The in branch staff have been helpful and have followed up a XXXX times over with back office with no favorable results. My account is frozen and no one can help. 
Absolutely no one cared about our account for 30 years. No one called, wrote, or tried to contact us to update the account and it results in the bank freezing our account. I have the scanned documents, I have proof with the branch associates. I have provided every single piece of information requested and our account gets frozen. This entire debacle has cost me and my company time and money. I have customer payments being returned and I have our vendor payments being returned. This is going to take so much effort on my side to untangle and the only people at Wells Fargo that care are the branch associates that have worked with me to try to fix their system with no success.
Product: Debt collection

A gentleman by the name of XXXX XXXX called me at my place of employment. I told him it was not a good time and to remove the number. About 10 minutes later, my cell phone rang and I asked for an address to send them a letter requesting verification and was told no. A few minutes after that, I received another call saying he was told by his compliance officer that he had to do what I was requesting. I requested no more calls and had gotten nothing until XXXX/XXXX/2016. I received a robo-call while driving. I called back and said I did not want them anymore and the man who answered got irate with me and I told me they would continue doing it until they got what they wanted and I could not make request of them. I hung up. He called back immediately and left me a nasty voicemail. I have verbally requested to know what this debt is, no more calls and robo-calls and all I get is threats to sue me and send people to my place of employment, which they leads their calls with ... " Hi, you work for ____ and we will come there. '' It is extremely unprofessional and in violation because they do not want to respect what I say.
Product: Debt collection

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process.I 'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX and XXXX Bureaus are reporting inaccurate information on THE BUREAUS INC. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and 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 account need to investigate and remove from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX ******** XXXX Date Opened : XX/XX/16 Balance : XXXX
Product: Vehicle loan or lease

The debt is for a vehicle that my mother has purchased. She passed away in XX/XX/XXXX and the financial institution was notified immediately and provided her death certificate and the person representing her estate ( which is me ). I was told that even though I had provided them this information they would still need to contact the recovery department and would not be able to speak to me although my name is on all of my mother 's accounts. I was finally contacted by XXXX XXXX with the payoff information Her vehicle was paid off in full to XXXX XXXX on XX/XX/XXXX. XXXX XXXX contacted the Truist Bank/ Lifestream to notify them the debt had been paid in full although the bank had denied ever being notified until I provided them with the notification. The financial institute has given me nothing but a run around, nobody knows what the other is doing, whomever you talk to request the same information that they have been provided such as death certificated and administration of estate which was processed on XX/XX/XXXX on numerous occasions. This information should have been processes immediately after the payoff. I provided this information yet again and was told it could take another XXXX weeks. WHY? Apparently after a XXXX search this financial institute has a long history of this abuse and something needs to be done. They got the money now release the title.
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX RE : THE ACCOUNT HOLDER HEREIN REQUEST FOR COMPLETE AUDIT OF THE ACCOUNT I XXXX XXXX, HEREIN ATTEMPTED TO REQUEST FOR A COMPLETE AND THOROUGH AUDIT REVIEW OF HIS CITIBANK CREDIT CARD ACCOUNT. THROUGH THE CITICARD SECURE MESSAGE SERVICES, AND SOMEONE DID N'T WANT ME TO FILE MY DISPUTE. SO THEY DENY ME ACCESS, AND BLOCK ME FROM FILING MY CLAIM. AND FOR THE ADDITIONAL REASONS WHICH FOLLOWS : ( 1 ) I HAVE REASONS TO BELIEVE THAT THERE IS SOME INACCURACY IN MY ACCOUNT BALANCE AND BILLING. I 'VE BEEN MAKING MY MINIMUM MONTHLY PAYMENTS. 

( 2 ) THERE WERE CHARGEBACKS, AND REFUNDS TRANSACTION ... .THAT WERE MISAPPROPRIATED, AND OR NOT APPLIED AT ALL. THROUGH THEIR DECEPTIVE PRACTICE CALLED CONDITIONAL CREDIT. 

FOR EXAMPLE : IF YOU WERE TO FILE A LEGITIMATE DISPUTE CLAIM. CITICARD ACCOUNT, WOULD GO AHEAD AND GIVE A CONDITION CREDIT. WHILE INVESTIGATING THE CLAIM. THEY IN TURN WOULD FABRICATE A STORY AND SAY ... THAT, THE MERCHANT OR BUSINESS DID NOT HONOR THERE REQUEST FOR REFUND. THEREFORE, THEY ARE TAKING BACK THEIR CONDITIONAL CREDIT. AND WHEN I CONTACT THE BUSINESS. THEY WOULD EXPLAIN THAT A REFUND WAS GIVEN. 

( 3 ) MY BELIEFS IS ... THERE IS SOME FORM OF INTERNAL DISHONESTY AND THEFT, THAT HAS BEEN TAKEN PLACE AGAINST MY ACCOUNT. ..AS FAR BACK? ..WHEN THE ACCOUNT WAS OPENED. 

( 4 ) SOMEONE WITH ACCESS ... WITHIN CITIBANK CREDIT CARDS ACCOUNT HAS REPEATEDLY BLOCKED ME FROM FILING MY CLAIM THROUGH THEIR SECURE CITICARD MESSAGE PORTAL. WHICH MIGHT BE THERE ATTEMPT TO COVER-UP THEIR WRONG DOINGS. 
PLEASE FORWARD THIS MESSAGE TO SOMEONE WHO IS ABLE TO INVESTIGATE THIS MATTER. 

RESPECTFULLY SUBMITTED BY XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX and Equifax Credit Bureaus XX/XX/XXXX to update this suspicious information. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$230000.00}
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed that I was a victim of Identity Theft so reached out to XXXX, XXXX, and Equifax on XX/XX/XXXX via certified mail. The Credit reporting agencies removed the items from my credit report and placed them back on my credit report with sending me any notification and without furnishing and written agreements between me and the creditor. Through this entire time, none of the creditors reached out to me with an explanation. So I reached out to my attorney and was advised to submit a CFPB complaint. If there were no updates or changes within 4 days then I will be pursuing monetary litigation at the maximum capacity. 

In accordance with Fair Credit Reporting Act the listed accounts has violated my rights : XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX 15 U.S. Code 1681i - Procedure in case of disputed accuracy 15 U.S. Code 1681 Section 604 a section 2 : Also states, a consumer reporting agency can not furnish a account without my written consent 15 U.S. Code 1681c2 - Block of information resulting from identity theft
Product: Credit card or prepaid card

Fraudulent Charges to XXXX XXXX XXXX Online XX/XX/2020 XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX ( was XXXX but XXXX was used for free shipping out of my plus membership ) XX/XX/20 Called Bank of America ( BOA ) notified of fraudulent charges. Investigation initiated.

I called BOA due to 3 charges on my account through XXXX 'XXXX  XXXX online totaling {$1400.00}. Two of the charges had gone through and one was still processing. At that time, I notified BOA those were not my charges and I have never ordered anything online though XXXX XXXX XXXX. I was provided the guarantee that a decision would be made within 10 days pending investigation of the charges. No monies were credited back to my account. Less than 24 hours later I received notice from BOA that I was responsible for the charges because I have a history with in-store XXXX XXXX XXXX purchases. After calls to BOA I was put off constantly and no one would transfer me to the fraud department stating a decision had been made and I had to write a letter and send in a police report to even have it considered to be reopened or escalated and that was still not a guarantee they would reopen. Through this, XXXX, responsible for delivering the said merchandise to my home, notified me that the culprits had redirected delivery with Fraudulent call tags and the merchandise was now out of XXXX  hands. XXXX Fraud Team, who has been in contact with me at least twice daily, informed me of a XXXX XXXX XXXX   breach and over 300 packages have been reported as fraudulent purchases. 
Still nothing from BOA other than an email stating that I am responsible for the charges.
Product: Checking or savings account

Originally the problem started with a restaurant ( XXXX XXXX XXXX XXXX, IL ) that I had cancelled an order with - They said I may be charged but that it would be reversed in about 3 days in a phone call conversation. I contacted them again later by email but no response. I then contacted my bank ( US Bank ) to dispute the charge several times and still no resolution. 


Amount of Charge XXXX Date of Charge XXXX Merchants name XXXX XXXX XXXX What was ordered/paid for? 

Cancelled food order Service/Merchandise Not Received ( 3 ) You recognize the company and withdrawal information but didn't receive the merchandise or agreed upon service from the merchant and the merchant is either unwilling or unable to provide the merchandise or service. The Approximate Date of Contact must be after the expected date you were to receive the merchandise/service. 

Have you attempted to resolve this dispute with the merchant? 

IF YES Answer the questions below Yes Approximate date of contact XXXX Spoke with Manager How did you contact them Phone/email Response The order would be cancelled and amount refunded Expected date of receipt of service/merchandise? 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX Did you receive any service/merchandise from this transaction? 

IF YES Answer the questions below no What was the value of the service/merchandise received? 

n/a
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX - account number : XXXX Account name : XXXX XXXX XXXXXXXX - XXXX XXXX XXXX Account name : XXXX XXXX XXXX These accounts have violated my rights. 

15 U.S.C 1681 Section 602 A. States I have right to privacy.

15 U.S.C Section 604 A Section 2 : It also states consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item for information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) 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