23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XX/XX/year> My husband and I decided to use Wells Fargo for our home mortgage. We rate locked with Wells Fargo at 6.5 % no discount points XX/XX/year>. When filling out the initial application we submitted both me and my husband 's W2s as requested. They did not include my husband 's income in the loan application. I asked why, and they said that it was not required since my income was enough to qualify. Then, XX/XX/year>, a new document for a new interest rate at 6.5 % with XXXX in discount points was uploaded into our loan portal with no explanation. We reached out and asked why the interest rate is changing even though we already signed the rate lock. They said it was because they are now deciding to include my husband 's income in the loan process, which means that we don't qualify for some lower income interest rate reduction. Therefore, they locked us into the loan, waited until it was too late for us to find a a new lender, ( closing date is XX/XX/year> ), then changed the interest rate, and are not responding to my phone calls. The situation was escalated to their escalation team on XX/XX/year>. We received no call backs from the team. We called back everyday asking for updates. We only received one call back on XX/XX/year>, where they told us that they haven't done anything with our file yet but that they assigned a case manager. On XX/XX/year> the case manager stated she would call back within 48 hours with an update. She did not call back, and we have not heard from her since that call on XX/XX/year>. Since then we called back several times for updates, have been sent to voicemail, left voicemails requesting calls back, and have not received calls back. We are not being kept in the loop in the process, and they are not communicating with us. Our closing date is in a few days, and we don't know what our interest rate is. We need to report this for the predatory loan practices that they are utilizing at Wells Fargo, and the lack of communication and response to our complaint in a timely manner. 
XX/XX/year> We officially heard back from Wells Fargo, and they informed us that they concluded they are not going to adhere to the rate lock agreement. They did not give us an opportunity to speak on our behalf and did not involve us in the decision making process. They did not call us to give updates, only to tell us that they are not putting the rate back down. They waited to resolve the issue until it was too late for us to switch lenders. We had submitted a complaint with the XXXX XXXX XXXX, and they never even responded to the complaint. This needs to be escalated as far as it can go to warn people about these predatory loan practices.
Product: Student loan

I paid off my student loans to Ed fiancial before interest payments started again ( final payment submitted XX/XX/24 ). I selected auto-allocation for the loans. One of my loans has a positive balance of {$710.00} and one of my loans has a negative balance of {$710.00}. They balance to XXXX but Edfinancial refuses to fix the problem so I have been charged interest on the remaining balance. I paid in full and both loans were selected to be paid, as noted by the decreased balance on both loans. I can not get ahold of Edfinancial either via email/inbox of this complaint or by phone. It is unacceptable that I have completely paid off my student loan balance but am still being charged interest on a mistake made by a government agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

1 ) The Credit reporting companies are allowed to hold bad credit reports for 10 years, however if as in my cast I dropped a credit card for a better interest rate the 8 years of credit history was instantly removed from my credit report. Their explanation it policy allows them not to use information from closed accounts. This also counts for refinancing home loans after 10 years of good history I refinanced my house and lost 10 years of account history. The worst part is I have 10 accounts your history is figured by adding history and dividing by accounts so I closed a 10 year Mortgage and opened a new one I  closed an 8 year credit card the rest of my accounts were all under 3 years old I went from 5 year history to less than 2 year history and it said I have a new credit history and works against me even though you can go back over 10 years on actual history. The Credit reporting companies should be requited to keep all accounts open or closed on history for 10 years so both good and bad can count the current way only favors the banking institutes as they can charge higher rates due to incomplete credit history being used. 2 ) The Credit reporting companies are allowed to use hard hits to lower your score and impact is once again in favor of the banking industries I was car shopping over a 2 week period of time I got between 6 and 8 quotes on cars I wanted. I looked over the data and decided what car fit my price range and returned to the dealer to find out the hard hits lowed my credit score and I was no longer eligible for the quoted rate. Again this is not fair to the consumer but is for the financial institutes. these are 2 major problems as far as I am concerned and need to be addressed and changed. 3 ) The credit bureaus should be working for the consumers not the financial institutes there are other things that are not fair and should be changed like anyone that reports bad credit ( utilities companies, stores that do their one financing ) should not be allowed to do so unless they also report good credit. this will make it so more consumers and get better scores based on real facts not just the facts that works in favor of the financial institutes.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : XXXX XXXXXXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX ( XXXX ) XXXX Collection XXXX XXXX XXXX XXXX XXXX ) XXXX Utility sent the inaccurate informations more than 60 days ago : Account Name XXXX XXXX XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$10000.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX address was not previous as stated by XXXX : see attachments for proof :XXXX XXXX XXXX XXXX XXXX TX XXXX Address - Single family This item was removed from your credit report. Please review your report for the details. 
View your Report | View your credit score Deleted + 'icon ' Deleted XXXX XXXX XXXX XXXX, XXXX TX XXXX Address - Apartment complex This item was removed from your credit report. Please review your report for the details. 
View your Report | View your credit score Deleted + 'icon ' Deleted
Product: Debt collection

I am writing to file a complaint against [ XXXX XXXX ]. This company has been trying to collect a debt from me without providing proper validation and has used illegal communication tactics and illegal reporting. 

I am an educated consumer and am aware of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Despite this, [ XXXX XXXX ] has continued to engage in the following illegal practices : Attempting to collect a debt without providing proper validation, including the amount owed, the original creditor, and proof that they are authorized to collect the debt. 

Using illegal communication tactics, such as harassing me with frequent phone calls outside of the hours allowed by the FDCPA, and making false or misleading statements. 

Illegally reporting the debt to credit reporting agencies, causing harm to my XXXX XXXX and report. 

I believe that Denefits LLC has violated my rights as a consumer and I request that the Consumer Financial Protection Bureau takes action to hold them accountable for their illegal practices. 

I appreciate your attention to this matter and look forward to a resolution that protects my rights as a consumer. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I Sent a certified letter to Transunion asking them to remove the inaccurate inquires showing on my credit report due to the fact it is hurting my credit score now that I'm in the home buying process and that I never authorize the company the following company 's pull my credit : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/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 ; But however i never received any update on my inquiry removal status or reasons they could not be remove. On XX/XX/XXXX I contact Transunion via Telephone hoping to  reach someone to help me with my current situation and also due to the fact inquires that fell off was placed back onto my report, but however again the customer service representatives where very rude and would not help take care of the negative inquiries reporting on my credit report. I have listed all inquires that is showing on my Credit Report
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having an issue with Chrysler capital on my report. I have never been late on my account when I leased my vehicle. I purchased my vehicle on XX/XX/2019 and provided proof. They were paid off by dealer and at around XX/XX/2019 I received a bad remark saying I was 60 days late. Never record letter, call, anything. I called Chrysler and the fixed it but left 30 day late. I spoke with the dealer and they said they asked them how much was it to pay off and they sent them the money right away. Still after dispute and dispute, they keep reporting it as 30 days late which is not accurate and it is messing with my credit report. I provided proof of my purchase and the date says clearly XX/XX/2019.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I recently reached out in writing regarding my consumer credit report from Equifax Consumer Solutions about unauthorized inquiries. I have not given ANYONE permission or consent to do so, as I have not applied for credit for a while with these companies. I am giving you as much information as I can to help you with this re-investigation demand so please feel free to utilize this information. 
According to section 604 FCRA, I would greatly appreciate if you would provide me for what is called a permissible purpose or proof that I applied or initiated these inquiries from each company listed. This poses great concern about my security and the privacy of my credit being at risk. If no proof or evidence with supporting documents is found, please delete these item ( s ) immediately.

If these inquiries are concluded to be originated online or by an internet source, please provide the IP address associated with the alleged inquiry.

I have also contacted the creditor ( s ) in question, and they claim they have no proof either, of each initiated inquiry, no written authorization documented, and each company has failed to provide me a permissible purpose or proof. Because the creditors in question could not provide proof of authorization whether written or verbal, I am asking that each alleged inquiry be deleted from my credit report of Equifax. The alleged inquiries are unproven, non-compliant, and unverified as there is absolutely no evidence or proof of my authorization of a permissible purpose. 
Section 604 states that a permissible purpose of Consumer Reports 15 U.S.C. 1681b ( a ) in Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Please read on ; section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. Under 15 U.S.C. 1681i, paragraph ( 5 ) treatment of inaccurate or, unverifiable information ( A ) In general, If, after any reinvestigation under paragraph ( 1 ) of any information is found to be inaccurate, incomplete, or can not be verified the consumer and the reported agency shall ( i ) promptly be deleted.
Product: Credit reporting or other personal consumer reports

I never opened this account threw XXXX  my identy was stolen in 2016
Product: Credit reporting, credit repair services, or other personal consumer reports

On 3 occasions I have requested that Experian verify the accuracy of the information that they were reporting for XXXX XXXX XXXX XXXX. They stated that the information was accurate. 

I asked them to re-investigate the accuracy of the information because it was not accurate. They stated that they would not re-investigate the information unless I had additional relevant information. 

It obvious to me that the furnisher of the data for this item is not doing a good job at providing accurate information to them. I should not have to clean up their mess This account was charged off and sold to a XXXX  XXXX XXXX XXXX collection agency. They claimed that you verified this account as accurate. They did not do a good job of verifying this information. I have attached a copy of a letter from XXXX XXXX XXXX XXXX referencing this account. 

Why does it have a balance after being sold to a collection agency? It should have a XXXX balance and past due balance. Additionally, It should show to who the account was transferred. See the 2 examples of how the account should be reported.
Product: Money transfer, virtual currency, or money service

I have the Venmo app. In XXXX they took out what they call withholding for the IRS for payments saying I operated as a business. The payments were taken out on XX/XX/XXXX of the amount {$560.00}. They said this was in regards to a payment my mom, XXXX XXXX made to me on XXXX XXXX, XXXX. This payment was for medecines, groceries and other items I picked up for her and brought to her over a 5 month period. She is elderly, and homebound. The second withholding VENMO took out was on XX/XX/XXXX in the amount of {$170.00}. Once again this was a payment from my mom for groceries and medecines picked up. The third withholding by VENMO on XX/XX/XXXX in the amount of {$17.00}. These total {$750.00}. VENMO stated they were required by the IRS to make these withholdings and that they already sent this money to the IRS. 
I then called the IRS and was informed that they do not have any money sent to them by VENMO in my name. They further stated that the tax laws that were supposed to go into effect for the 2023 year were put off until XXXX ( for the XXXX tax year ), So 1. VENMO should not legally have withheld onto my money 2. VENMO lied about sending this money to the IRS 3. Venmo is illegally holding onto {$750.00} of my money that was not payment for a business nor goods and services -- -it was my mom paying me back for groceries, medecines, etc.
Product: Checking or savings account

On XX/XX/2022 I, XXXX XXXX, went into Amegy Bank located at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX to open a business account. I was assisted by XXXX XXXX who took my documents and a grant check that was awarded to my company XXXX XXXX XXXX for the work it does for the XXXX community through the Human Rights Campaign and Showtime. 

XXXX took all my documents and stated that she needed approval to open an account. So I said okay. XXXX walked to the back and return shortly stating that the account could not be opened because the Certificate of Formation documents were new and it would be three months before I could open the account which I found odd. 

So I left and called Amegy Bank and a representative searched and found the banking rules that said no such thing and called over to the bank while keeping me on hold. After several minutes the representative returns and explains how sorry she is for the inconvenience and hangs up. 

About twenty to thirty minutes I get a phone call from XXXX who states : I'm over sharing this but there has been a lot of business banking fraud and I was told to say that insinuating that I was there to commit fraud then tells me if I can produce documentation of where the large sum grant check came from she would gladly open the account which makes no sense because she just told me my documents were new and the reason. 

So at this point I knew it had nothing to do with my documents. It was about me, a hardworking African-American business woman coming into the bank with a huge check to deposit for my business that I and my business was awarded and earned and immediately being racially discriminated against. I broke down crying, disappointed and disgusted at her behavior and reached out to XXXX, an XXXX associate who took my complaint. Currently waiting for a follow-up call.
Product: Credit reporting or other personal consumer reports

please review the files below, these accounts are reporting derogatory. That isnt a good look on my score or my report. Im asking that my file gets investigated with consideration thank you- XXXX XXXX XXXX
Product: Credit card

I submitted a complaint via cfpb to Macy 's on XX/XX/XXXX - complaint number XXXX, requesting that my credit card account with associated online account be closed. Macy 's responded that I still had an outstanding balance ; however, failed to outline in their writing that I was not able to pay my bill without me receiving a replacement card, which I never received. A new account number was assigned without me ever seeing the full account number. To this date, I do not know the full account number. It was truly a credit debacle for which after months and with cfpb 's assistance, I was finally provided a way to pay my bill and the matter was deemed closed by Macy 's and cfpb. However, on XX/XX/XXXX, I received a letter from Macy 's XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX, titled, " An Important Notice Regarding Your Account '' stating they are writing me " in reference to [ my ] Macy 's account, please refer to the enclosed privacy notice. '' There was no enclosed privacy notice. The letter further directed that I keep the letter for future reference. I am once again concerned that my record with Macy 's has not been properly closed. I should not be receiving any further correspondence or advertisement from Macy 's.
Product: Student loan

After trying to call Aidvantage for months and having to give up after waiting an hour on hold each time, I emailed them on XX/XX/XXXX to have them explain why my IDR payment amount was {$100.00} more than what the FSA calculator told me I should be paying. I never received a response from them, despite them telling me they would respond after two business days, and so I made my full payment as scheduled on XX/XX/XXXX. Today, my account is showing as past due despite the fact the money has already left my bank account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE FILE FTC REPORT AND I DID EVERYTHING ON MY PART XXXX SEE THE ISSUE THE DOCUMENT ALL PROOF AND STILL REFUSE TO FIX IT.
Product: Debt collection

Signed for a car loan. The car loan that I signed for has the incorrect vin number on contract. Neither party has attempted to correct this issue but keep charging me for the incorrect vehicle
Product: Credit reporting, credit repair services, or other personal consumer reports

Although the reporting is current and positive, the issue is that I never gave anyone permission to furnish or report anything to a credit bureau or consumer reporting agency. Since reporting to credit bureaus and other consumer reporting agencies by creditors is voluntary and based on 15 U.S.C. 1681b ( a ) ( 2 ) any consumer reporting the agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I have never given any credit bureau or consumer reporting agency my written permission to report to them.

I sent out letters back in XXXX to XXXX XXXX  and XXXX requesting that they delete the accounts in their system as well as phone calls to all of the agencies since I did not authorize their reporting services. As of today, I have not received a response nor have the account been removed as requested.
Product: Debt collection

i have disputed these charges multiple times over multiple years it has been dropped before but they just sell the case to someone new and it gets reopened
Product: Checking or savings account

I WAS PART OF HIRING SCAM WITH XXXX XXXX IN XX/XX/2022. A WIRE WAS MADE FROM MY OWN WELLSFARGO ACCOUNT IN TWO PAYMENTS EQUALING XXXX. THIS XXXX WAS MOVED FROM WELLS FARGO TO THE NEGHBORING OREGON XXXX XXXX XXXX WHICH WAS TOLD BY THE SCAMMER THAT IT WAS A SUB BUSINESS ACCOUNT OF THEIRS. THE FRAUD WAS DETECTED AFTER THE FIRST WEEKEND OF HAVING PULLED AND COMPLETED THE WIRE TRANSFERS. THAT MONDAY, AN ACCOUNT NOTICE WAS PLACED AND A NEW ACCOUNT WAS OPENED. BY PHONE, WELLS FARGO WAS NOTIFIED OF THE FRAUD. A MONTH LATER ON XX/XX/2022, A PAYMENT REQUEST FOR XXXX WAS MADE FROM OREGON BANK SHOWED AS PROCESSING IN MY NEWLY CREATED BANK ACCOUNT. WELLS FARGO WAS NOTIFIED TO NOT ACCEPT THE CHARGE AND SO THEY PLACED A NOTE SHOWING THE CHARGES WERE UNAUTHORIZED. THE CHARGE WENT THROUGH, I HAVE BEEN FIGHTING VIA CLAIMS AND APPEALS WITH WELLS FARGO EVER SINCE TO REFUND MY ACCOUNT THE XXXX FROM THE XXXX THAT DRAINED MY ACCOUNT AND PUT ME INTO THE NEGATIVES.MY CREDIT CARD ACCT WAS ALSO CLOSED BECAUSE IT SAYS I ACTED IN BAD FAITH.
Product: Checking or savings account

On XX/XX/scrub> 2025 I was supposed to have my paycheck direct deposited into my account. It has been 3 days and I have yet to receive anything or even a time frame of when I will get my money. It has caused to be late on my phone bill and I now have a XXXX $ late fee and I was also supposed to have my car registered. It has also caused me my wife and child to have no food. Im still waiting patiently but it is causing me nothing but harm and they are giving no reassurance or help within this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX is verifying a bankruptcy falsely. 
Companies have been verifying through thrid party agencies in which XXXX XXXX have sent myself and each reporting agency copies of my report verifying that i have no bankruptcy. I also have documents directly from court house. 

My question is who is holding these credit agencies responsible when they break these laws in place. 

FCRA laws every consumer reporting agency must have the written consent of the consumer to furnish information and they do not have any written consent form me to furnish anything to their systems this problem keeps gettin ignored despite my evidence being presented which in turn s make me resubmite everytime it gets closed out.