23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Wells Fargo has not addressed my concerns, and I did not withdraw from the home modification process, So once again they have falsely accused and slandered me. The reason why the process could not move forward is because the new appraisal that they promised they would order was not ordered. They were doing the modification based on a incorrect appraisal using the wrong square footage of my home. I have done everything, everything that they have asked me to do to include taking money out of my pocket to have the square footage appraisal done. Then that was not enough so they wanted me to go to the county assessment office and have them to correct it and I did that also, and the county assessment office of XXXX county has made the necessary corrections in reference to the square footage they have also reassess taxes because the value is less. I have not given them an incorrect phone number this is the only phone number that I have and I half to work. I have asked them to call in the a.m. hours and they still continue not to do so. They promised me they would do an appraisal again if I did everything that they asked and it still has not been done yet, so things can move forward. How can they modify the loan to make it more affordable if the appraisal is not correct. The last time I checked ad a PA licensed real estate agent, in order to do a modification you must have a correct appraisal done to determine the value of the home to see if in fact the person that is in the mist of the modification process can afford the home at the current and correct appraised value. Attached once again is proof that I have done everything that Wells Fargo has asked me to do. As I stated before in my last complaint, I have experience other persons from other races being treated differently in the same situation than I have been treated as a XXXX female.
Product: Credit reporting

To whom it may concern, XXXX XXXX, 2016 Transunion has false information on my credit report! There 's a inquiry on my credit report from XXXX! Dated XXXX XXXX, 2016. Which was on a Sunday! I never left my home, nor did I not attempt any service from XXXX! I never was a customer of XXXX. I never tried to, n never will try to open Any account with sprint! How on EARTH DID XXXX GET MY INFORMATION WITHOUT MY KNOWLEDGE!? PLEASE REMOVE IT FROM MY CREDIT REPORT! I NEVER APPLIED FOR ANYTHING WITH THEM! 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private.

Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 


1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. The following personal information is incorrect Account Number : NAME : XXXX XXXX 3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Product: Credit card or prepaid card

Chase closed my account on XX/XX/2018 for my cards ending in XXXX, XXXX, and XXXX. The stated reasons were " because our affiliate is ending its banking relationship with you. '' I do not understand which affiliate Chase was referring to because all my bank accounts and credit cards are still fine with other institutions. 
I am seriously concerned that a recent interaction with a Chase representative has resulted in him flagging my account because I am a transgender.
Product: Debt collection

Reported XX/XX/2020 national credit adjust report on my XXXX report never seen or heard of company until now
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account and submitted complaints over and over again for how many months already but Experian Credit Bureau is not frightened to break Federal law thus they took to be slothful and abandoned my appeals. The account is not removed from my report.Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... Please remove the account from my file ASAP : XXXX XXXX XXXX XXXX
Product: Checking or savings account

I opened a checking and savings account with Capital one 360, with XXXX dollars in XXXX XXXX XXXX 
when the money came available, I transferred money to savings, the next day my account was restricted and I needed to contact them. 
I called them as asked, ended up gong to the store font they have and upon giving my drivers license told it was fraudulent activity and they where closing my account. 
I provided my driver 's license and proof that the phone numbers I gave belong to the company that I am an XXXX for. 
it is not XX/XX/XXXX, almost three months and no release of account or closing of account. just stating to contact the phone number which I did previous to going to store font and after. 

I would like my account reinstated due to its their computers and not a person making decisions. my phone numbers do belong to me but they are in an XXXX XXXX XXXX along with I am an XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

XXXX a mistake in XXXX, money to the wrong person call my bank and try to get my money back and they told me its no way possible. I can get it back because I sent the money.
Product: Money transfer, virtual currency, or money service

PNC accounts can not be added to XXXX. It will not allow account info to be stored in the wallet, per PNC.
Product: Credit reporting or other personal consumer reports

TransUnion put XXXX XXXX  ( Account # XXXX ) back on my credit report without doing a proper investigation or notifying me within 5 business days, which breaks the law under XXXX USC XXXX ( 5 ) ( B ) ( ii ) - ( iii ). This account was DELETED before, but now its back without any valid reason or proof. By law, TransUnion is supposed to make sure the information is accurate, notify me about the reinsertion, and provide details like the business name, contact info of the company that verified it, and my right to dispute it. I didnt get any of that. Instead, I got a generic notice, which makes me believe no proper investigation was done. Also, under XXXX USC XXXX ( f ), NOBODY is allowed to pull or report information on my credit without a valid reason. By not following these rules, TransUnion is responsible for willfully breaking the law under XXXX USC XXXX and being negligent under XXXX USC XXXX, which makes them liable for damages. I need proof of verificationwho they talked to, how they verified the account, and any documents related to it. If they cant prove it, they need to delete the account right away. If this doesnt get resolved, Ill be forced to take further action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX XXXX  XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$12000.00} ; XXXX XXXX  XXXX XXXX Balance Owed : {$2600.00} ; XXXX XXXX  XXXX XXXX Balance Owed : {$3500.00} ; XXXX XXXX XXXX Balance Owed : {$17000.00} ; XXXX XXXX XXXX Balance Owed : {$9400.00} XXXX XXXX XXXX XXXX Balance Owed : {$5700.00} ; XXXX XXXX  XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX XXXX Balance Owed : {$13000.00}.
Product: Credit reporting or other personal consumer reports

I been trying to buy a car and it is causing me so much stress as a single parent to not have a way to work and to dr.appointments for my child and XXXX.I almost lost my job because of transportation problems because of my credit report.so upon checking my credit report I realized I had damages on there. And according to the 15 U.S.C 1681 law there should not be any damages on my report its a defamation to my character.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. XXXX XXXX - showing a balance of {$370.00} - The balance being reported is incorrect and not showing full payment of account. No balance is owed on this account. Please remove this account and no longer ( cease ) to report this inaccurate account information again. 
- Vendor verified this accounts balance and per their records this report is not aligning with their accounting, verify the balance and all on time payments or remove immediately. Also provide method of verification 2. XXXX  XXXX XXXX XXXX - remove this error immediately - Experian neglected to report payment history so the payment of {$16.00} ( settled account ) is not reported, this payment was made in full and confirmed by XXXX XXXX XXXX yet Experian neglect and refuses to rectify this error. 
- Experian needs to remove this account immediately, due to falsely reporting an INCORRECT balance, the balance of this account is {$0.00}. ( balance paid in full ) - This account is also active but the account status is reported incorrectly.
Product: Money transfer, virtual currency, or money service

I use the XXXX $ loan app and it wound allow them into my account due to changing of the debit card I lost
Product: Mortgage

My name is : XXXX XXXX # XXXX XXXX XXXXAddress of Complaint : XXXX XXXX XXXX. XXXX, CA.XXXXI am requesting Wells Fargo Home Mortgage to send me a typed letter response of how much money was credited to the Principle for XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX. I have not been able to determine with clarity this information from your job control print outs. Again I am requesting a typed response that directly states how much principle was paid on this loan at the end of each year from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX. I am also requesting to know in a typed response how much money each year was held as non applied each year and for how long and how much money is still being held on this loan as non applied payments. I am also requesting exactly why are payments being taken and not applied when they are received and cashed by Wells Fargo Home Mortgage. In a typed response please list all Corp Advance fees, including property inspection fees. 

XXXX XXXX
Product: Credit card or prepaid card

XXXX XXXX card issued by Comerica Bank. 

XXXX XXXX XXXX through XXXX XXXX this year XXXX. 

XXXX XXXX card, which I have for my XXXX benefits, withdrew nearly XXXX from my card for " debit adjustment '' without notice and with no reason stated on my online statement. I 've spoken to them and the explanation was so convoluted that the only clarity is that " XXXX had a glitch '' and did n't take out charges when made so is now adjusting them by going back through at least XXXX and withdrawing funds. 
Issues : Failure to catch and correct their error in a timely manner Failure yet to notify consumers impacted Failure to offer explanation Then recouping by withdrawing money from XXXX XXXX customers cards. This is in direct contempt of their own policy that states they will not let a charge go through if the funds are n't there. Therefore I had a false sense of security based on their own promise. I imagine lots a people do n't know yet.
Remedy expected : refund the funds withdrawn to their card holders
Product: Debt collection

This company sent me a letter with no date it was sent and advised me a response needed to be provided XX/XX/year> I sent a email on XXXX requesting validation they fail to provide a response on I feel it violates the fair credit act I contacted chase they advise me they cant help me and I requested validation from the debt collector and wasnt give. Any
Product: Money transfer, virtual currency, or money service

Re- complaint # s XXXX XXXX The response by the bank fell short of the following ; 1. Why was the wire transfer processed to a different name other than the name intended for the transfer. 

The name of the account was XXXX XXXX XXXX services on the wire transfer, but the money was transferred to an account by name XXXX XXXX. 
The bank owes us an explanation to that effect. That was not addressed in their response as to why they processed the wire transfer to a different name other than the name intended for the transfer. 

Failure of the bank to explain that to us will result in us taking the matter further up against the bank because we feel the banks role was aiding and abetting a criminal act of fraud. To knowingly process funds to a name that does not match the name intended for the transfer is unacceptable and that is why we are holding the bank responsible. 

Without a valid explanation from the bank, we will have to sue the bank. This will include damages for the following. 
1. Total payment for the loan with interest. 
2. Second loan for the replacement vehicle we were forced to purchase in absence of the first. 
3. Attorneys fees 4. Compensation for our time and efforts.

This will be decided in the court of law and at that point Fifth-third Bank will not be able to excuse their action.
Product: Credit card or prepaid card

Citibank XXXX XXXX Credit Card statements for my credit card account ending in XXXX arrives every month and XXXX XXXX uses the company 's automatic billing system to pay our monthly statement balance. We've had this arrangement for many years, having been members since XXXX. We redeem rewards for automobile purchases. Recently, Citibank has experienced payment returns ( due to faulty automatic billing system processing ) and we have had to resolve this issue XXXX times within the past XXXX months. 

On XX/XX/XXXX, we made an automatic billing system payment to Citibank in the amount of {$2500.00}. On XX/XX/XXXX, Citibank issued a letter informing us that our payment was returned. The credit card account went into arrears. Citibank sent us an additional letter dated XX/XX/XXXX that our credit card acct is closed. Please help us to resolve. 

We made a payment today, XX/XX/XXXX, of {$2500.00} to bring the balance current. We would like the credit card account XXXX to be reopened. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX DBA XXXX XX/XX/XXXX XXXX XXXX XXXX DBA XXXX  XX/XX/XXXX XXXX XXXX XXXX DBA XXXX XX/XX/XXXX XXXX XXXX XXXX DBA XXXX XX/XX/XXXX XXXX XXXX XXXX DBA XXXX XX/XX/XXXX XXXX XXXX XXXX DBA XXXX XX/XX/XXXX XXXX XXXX XXXX DBA XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Early Warning services reported to the CFPB they removed fraudulent information on XXXX. They lied. 605B of the FCRA section C which allows a CRA to reinsert information previously blocked has 3 specific reasons that need to be met before information is reinserted.

1. Error.

2. Material misrepresentation of fact.

3. Proof consumer received goods or services from the blocked account.

Absolutely NONE of those 3 are true so they can not be proven.

Early Warning gets information that is NOT complete or accurate, yet Early Warning breaks the law by reinserting the blocked account information. 
I have attempted to contact the furnisher of the fraud info but they have NEVER contacted me back. Lies from the furnisher, the reporting company. The police have cleared me, with hard proof fingerprints that did not match the perpetrator, plus proof I did not open the external bank accounts here the monies transferred were picked up. Yet, XXXXthe furnisher of the fraud info continues to harbor the belief it was me. It is this stupidity and arrogance that is harmful to me. 
XXXX has NOT responded to my initial complaint, but Early Warning responded they removed the fraud info but put it back into my file.
Product: Student loan

I have a student loan with Alaska Commission for Post Secondary Education from XX/XX/XXXX that I have been paying on. If I got behind, I always caught back up. I filed for divorce in XX/XX/XXXX ( I was a stay at home mom up until XX/XX/XXXX ) so my account became delinquent and in default. In XX/XX/XXXX I filed bankruptcy. Knowing my student loan was n't going to be discharged, I contacted ACPSE to setup a payment plan. They refused to work with me and said that I needed to pay {$1800.00} order to be considered current ( {$3800.00} total debt ). Obviously I could n't do that, I am a single mom of XXXX just reentering the workforce. There was no way I could manage to do that. In XX/XX/XXXX they turned the account over to collections. The collection company now is asking for {$5800.00}. I contacted ACPSE on XX/XX/XXXX and stated I could arrange payment in full if they would be willing to work with me. They replied with " Contact the collection agency to settle your debt ''. I would like to get this account settled and paid but I ca n't pay {$5800.00}.
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. XXXX Account # XXXX, has violated my rights. XXXX XXXX Account # XXXX, has violated my rights. XXXXXXXX XXXX XXXX Account # XXXX, has violated my rights. XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 of 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.
Product: Credit card

I was moving and made a purchase of XXXX for a bed at XXXX online with my citizens bank visa credit card on XX/XX/XXXX canceled transaction on XX/XX/XXXX closed bank account on XX/XX/XXXX and I was told that if the refund was rejected because of a closed account then a check will be issued I did not receive anything so I called again and again and they kept telling me that it was refunded and when I called citizens bank they said they did n't I finally went into a citizens bank and they said that the account is still closed and the refund was not issued I had a bank representative call with me and XXXX said they will issue a refund and I received an email on XX/XX/XXXX stating that a refund was issued and I should contact citizens so I went back to bank and called again and got a response from XXXX that a full refund was issued and contact bank
Product: Checking or savings account

I am writing to formally dispute an unauthorized transaction involving my credit card account, after the Banks Fraud Operations refused to resolve the issue.

I requested an advanced payment from my Capital One credit card company in mid-XXXX of XXXX. However, I noticed that my advanced payment was cashed without my authorization by an unauthorized company called XXXX XXXX XXXX XXXX XXXX on XX/XX/year>. I Contacted the credit company fraud department, I received two notices issued within the same day, one states the issue was resolved and the other one states they believe that me or another beneficiary benefited from the transaction which is not true. I Confirm that I never received or cash the advanced payment check Please find enclosed copies of any relevant documents, including a copy of the cashed check and correspondences from the credit card company. 

I expect a prompt resolution to this matter and appreciate your attention to this issue. Should you need any further information from my side, please do not hesitate to contact me at XXXX XXXX XXXX XXXX 

Thank you for your assistance.