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

In XXXX I fully paid off my credit card for Bank of America and the checking account is not closed correctly as it keeps showing up every 30 days on my credit report.
Product: Credit card or prepaid card

I processed an electronic payment to chase .it had the incorrect acct number. It was never applied to the current credit card acct. I have called 3times, ok hold, transferred wasted four hours. They have no record of the payments. They have not acknowledged the receipt. I filed with my bank. They called chase claims they are a 3rd party and will not speak about this. 

Details are as follows PayeeCC XXXX  XXXX XXXX ( XXXX ) Category Credit Card Amount {$4600.00} Payment Type Electronic Payment Option Single Paid From XXXX Sent On XX/XX/2020 Delivered by XX/XX/2020 Confirmation # XXXX Status Processed Enclosed is details of my call to chase called on hold for 55 minutes and got debit card transferred to Credit card time is >40 minutes after 2 + hrs After speaking with XXXX they recommended i call the vendor. Then, I called Chase to request a refund. I gave them the last five of the credit card. XXXX. They wanted the whole card number I then, like pulling teeth, said look it up by my social security number. They have no record of the acct and clai they have not the money. They said to call in 90 days to attempt a refund. I am filing this complant as Fraud and request immediate attention to obtain the {$4600.00}. I requested a name, employee number and a record of the call and I was refused. I was also told I could not speak to a supervisor. Also I logged onto their website and attemtped to send a secure message. There is no ability to do so. The only option is a checkbox to either transfer an amount to another credit card or keep it as a credit. There is no option or ability to request a refund
Product: Checking or savings account

XXXX XXXX checking account was hacked into on XXXX, XXXX, XXXX, at approximately, XXXXXXXX XXXX. The XXXX did a wire transfer to XXXX without my authorization. 
I was able to detect it fast as I was online in the process of doing a XXXX transfer. I had previous done XXXX XXXX successfully but on this occasion I forgot to tick the box to continue. It took me forty-minutes to figure out that I had forget to remember to to tick the box to say its not a scam to proceed and click continue. I hardly ever send by XXXX but do receive XXXX from my clients. 
Seem I wasnt successful with sending XXXX so I logged out of my account and back in within in 5 minutes I noticed {$8.00}, XXXX was taken out of my account. 
It happened with the 5 plus minutes I had logged out and back in. As a result I called Wells Fargo immediately. 
I noticed the scammed wire Transfer was pending so asked in panic while on the phone to a representative to stop the unauthorized transfer as it perhaps wasnt complete if it was pending. 
I did not authorize this transaction. 
I was directed 5 times to finally a representative to plead my case and stop further unauthorized fraud that could take place. Finally they registered my fraud claim. I asked to credit to my account but presently it has not happened as I needed money to pay bills. 
During my own investigation I noticed the Hacker created the name, XXXX XXXX as a new XXXX recipient with an email address of XXXX. But he did not do a XXXX transaction. I do not know this person at all. 
The wire transfer went to a XXXX in XXXX. Looking at the wire transfer - that he filled out pretending to me, he first had to fill all fields in including his own bank details which his account ended in XXXX. 
When asked in the field what the money was for- he said it was for Travel expenses. 
One must understand, I had no intensions of going to XXXX, I do not have or never had any flight booking or hotels paid for. Doesnt make sense to send money to someone to pay for my flight hotels and expenses etc, I can do that myself which is obvious. 
If i had it made booking it would have shown up in my Wells Fargo account. 
Its also worth mentioning that in the past wire transfers I did to XXXX which were many going back yrs- were successful and had no issues. 
The bank charged me a wire transfer fees to XXXX for goods and services. With the scammed wire transfer - no fee by the bank was charged which is weird as banks always charge a wire transfer fee. 
I also never received or had seen a text message on my phone to to authorize and or reject such transaction. If i had, i would have immediately rejected it as fraud. 
I herby state that the above information is correct to my recollection and ability. I did not authorize this transaction. I do not know anyone in XXXX. Nor am to receive any goods or services from such a person. 
My account was hacked into and I cant tell you how as I do not have the comprehension the DNA to know how it is achieved. 
As a result i would like Well Fargo Bank to reinstate the full amount of {$8500.00} asap so that I can continue to pay bills and have peace of mind.
Product: Mortgage

Refinanced my home in XXXX, company I dealt with immediately sold my mortgage to ROUNDPOINT ... .. ( why are we given no choice who we do business with? - why are mortgage companies allowed to sell/swap mortgages to whomever they please? ) In XXXX, I opted out of Escrow & my payments went from {$680.00} a month to {$480.00}. Significant Reduction! 
During that process, I found out that ROUNDPOINT & I am sure others, are allowed to overcharge, what they call " padding '' for Escrow funds you borrow from them. ( Why are they allowed to over collect? makes payments Higher than necessary & its more work- they collect too much all year, then refund back, then do it all over again - I am assuming its financially advantageous, otherwise they wouldn't do all that processing ) XX/XX/XXXX - My ins lapsed d/t finding coverage difficulties, thus Mid XXXX I received a letter that I had forced placed Insurance & the policy was BACKDATED to XX/XX/XXXX. ( How is this allowed? Backdating Insurance for anything else is fraud/illegal? ) My escrow was analyzed & my payments went back up to {$680.00}. By XX/XX/XXXX I had my own policy and in XXXX depleted my little savings & sent in funds to cover what I owed in escrow. 
From XXXX forward, because my actions went " outside '' the computer automation process, I have been trying to straighten out my account. 
I was finally told, today, that even though my escrow balance is XXXX & my insurance renewal isnt until XX/XX/XXXX, I am no longer eligible for escrow opt out and ROUNDPOUNT is allowed to collect for escrow funds from this point forward thus increasing my payment to {$680.00} & padding their escrow account. ( Why are borrowers forced to pay Escrow if nothing is owed? - the point of escrow is to " borrow " from the Lender- in my case, I am now paying in advance! No borrowing ) I now have no backup savings which I would NOT have sent in had I been told that one sentence from one person @ ROUNDPOINT months ago. Should I default on my larger payments, it will get me into a deeper financial hole due to ROUNDPOINT adding more fees, Lenders set you up for failure - LOAN SHARK TACTICS ON A CORPORATE LEVEL -- - Lender laws, rules, regulations, requirements & obligations need revised,,,,, borrowers count on our government entities to protect & advocate for us, its not happening, change is needed
Product: Credit reporting, credit repair services, or other personal consumer reports

I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts below : XXXX XXXX Balance : {$29000.00} ; XXXX XXXX XXXX Balance : {$2.00} XXXX XXXX Balance : {$0.00}
Product: Debt collection

Hello, This is a formal complaint against Sequoia Financial Services. The debt collection of {$10000.00} has been attempted to be collected on multiple occasions even after the request to stop. I have called every month on the XXXX for the past 6 months to ask to please stop calling other people around me. MY neighbors and employers have all received calls from the names, XXXX, XXXX, XXXX and XXXX. 
I have recently been denied a job opportunity during this extremely hard time during a pandemic due to the negative collection amount from this debt collector. I have gotten word from relatives and other co workers that Sequoia Financial has continued to get information from a third party for me to pay the debt. Violating their privacy and others. 

Under the Hippa law protection, Sequoia has violated the terms of this law in trying to collect a debt and providing information that has not been authorized by me. I have been denied a position to survive in these troubling times. 

At this point I have contacted a lawyer and we are prepared to sue for defamation of character and for punitive damages. Sequoia Financial and XXXX XXXX have violated laws in trying to collect a debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM VICTIM OF AN IDENTITY THEFT, AND I DECIDED TO TAKE APPROPRIATE STEPS AND HAVE THE BURUE TO REMOVE THE FRAUDULENT ACCOUNT FROM MY CREDIT RPEORT. FINALLY I CAME ACCROS THE CIVIL CODES FOR CONSUMERS AND PER FCRA 605 B IT CLEARLY STATES THAT THE FRAUDULENT ACCOUNT MUST BE REMOVED/BLOCKED WITHIN 4 BUSINESS DAYS OF RECEIPT OF THE IDENTITY THEFT REPORT. I ACTUALLY GOT ON THE WEBIDE OF THE FAIR TRADE COMMISSION AND FOLLOWED STEP BY STEP. ONCE THE REPORT WAS COMPLETED I FINALYZED IT AND SUBMITTED THE REPORT TO XXXX AND WHEN I CALLED XXXX I WAS TOLD THATH THE FORM IS NOT COPLETED CORRECTLY. WELL I BELIVE THE CIVIL COURT IS HIFGER THEN XXXX OR ANY OTHER FINANCIAL INSTITUTION, WHAT IS THE POINT OF HAVIN THE GOVERNMENT OR THE CIVIL COURT IF EXPERIAN IS THE ONE WHO DECIDES WHICH ACCOUNT TO BE REMOVED OR BLOCKED.
Product: Student loan

I submitted a claim here for this already, and the company falsely stated that I had to re-apply for XXXX and that I had not done so. In reality, I was already approved to be in the program this year, and i have the documentation to prove it. 

They state, and I quote : " The XXXX Plan will replace the XXXX Plan. The XXXX XXXX can significantly decrease your monthly payment amount compared to all other XXXX plans. The XXXX XXXX calculates your monthly payment based on your discretionary income and family size. Your discretionary income is the difference between your adjusted gross income ( AGI ) and 225 % of theU.S. Department of Health and Human Services Poverty Guidelineamount for your family size. '' Yet, my payment amount has not changed, ever, even after being accepted in XXXX and therefore I have been falsely mislead. My payments, due to my income and taxes should have been lowered and instead they have always remained the same. The company states they have tried to call me, and unfortunately they have called during really out of the ordinary times ONE TIME. The effort to try and reach me is needless to say insignificant and shameless. I have tried to reach them over 100 times now, and I am always on hold for hours, with no cal returned. 

Nelnet has my loans but have not been helping me at all despite my efforts. I keep trying to reach a person thru email and phone. Monthly payments have been wrongly calculated and while I was approved for XXXX and I am on a IDR my monthly payment are as high as they have ever been. Nobody picks up the phone or replies to emails and I have been trying for months. Meanwhile the payments are late because they should be half of what they are and Im accruing interest.
Product: Credit reporting or other personal consumer reports

To : Credit Reporting Agency Subject : Request for Removal of Unverifiable Account Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by [ Equifax, XXXX, or XXXX ]. This request is based on the recent deletion of an account by XXXX, one of the four major credit reporting agencies. I recently disputed a charge-off for {$8900.00} from XXXX XXXX XXXX XXXX my XXXX report, and following a thorough investigation, XXXX has completely removed this unverifiable debt from my report as of XXXX. 

According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report.

Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action.

Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly. 

Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non- compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. 

I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 

Thank you for your immediate attention to this request. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a public record ( bankruptcy ) several times with Equifax. The investigation came back as verified through XXXX XXXX. I then submitted a dispute with XXXX XXXX and they said it could not be verified and was then deleted from their files. I sent proof of investigation that I received from XXXX XXXX and they have yet to delete the file from my report. I disputed again and it came back saying it was verified through court system. I wrote court system and they stated they do not verify they would have to go through XXXX XXXX. I received an investigation result from Equifax on XX/XX/2020 in the mail stating again it was verified through XXXX XXXX and still has not been deleted.
Product: Mortgage

This is a XXXX part problem. On XX/XX/year> I called US bank to ask what their routing address was for a wire transfer of {$150000.00}. I spent XXXX hours at a XXXX XXXX branch with a manager completing a wire transfer to go towards paying my mortgage off. The wire transfer failed to post, even though funds were available. On XX/XX/year> I mailed XXXX checks priority post, XXXX was for XXXX and the other was for {$150000.00}. US bank held both checks, they put the XXXX through on XX/XX/year> and the other check for XXXX was held so long that I ended up putting a stop payment on it for {$33.00}. Here I am trying to expedite paying off my mortgage so I can get a quitclaim deed signed and its taking weeks to accomplish that. 
The second problem is ongoing. I paid my mortgage off in full on XX/XX/year> and Im still waiting on my escrow refund of $ XXXX. Ive always been timely with my mortgage payments to US bank and never incurred late fees. Im having to wait months to get my escrow refund while the bank makes interest on my money. Im very frustrated.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX Bank Account # XXXX, XXXX XXXX Bank Account # XXXX, XXXX XXXX Bank Account # XXXX, XXXX Bank Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXXl Account # XXXX, XXXX Account # XXXX, XXXX 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 an account without my written instructions.
Product: Credit reporting 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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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

Bread Financial changed their banking software system as of XX/XX/24. They no longer accept bill payments from banks, personal checks or bank checks. They will only pull from your personal accounts to pay your loan. I previously was paying from my XXXX  XXXX bill pay without any issues. XXXX XXXX now is sending a printed bank check to pay the bill and Bread is not accepting or crediting me the payments towards my loan. My account is now in default, as they only pull payments from accounts. I never let anyone pull from my persoanl accounts, either I send a digital payment or check. I can't believe in this digital age a bank can change to a system which causes consumers hardships in paying their loans off. It doesn't sound right and I need assistance to get this straightened out
Product: Vehicle loan or lease

I am writing to file a complaint against Ally Financial Bank regarding the mishandling of my loan payments. I have been a customer of Ally Financial Bank for several years and have always made my payments on time. However, in the past few months, I have encountered several issues with the way my payments have been handled. 

Firstly, I noticed that Ally Financial Bank has been reporting incorrect payment amounts to the credit bureaus. Despite making my payments in full and on time, my credit report shows that I have missed payments or made partial payments. This has resulted in a negative impact on my credit score and has caused me great distress. 

Secondly, I have made overpayments towards my loan balance, but Ally Financial Bank has not applied the excess amount to my principal. Instead, the bank has applied the overpayment towards future payments, resulting in interest accruing on the balance unnecessarily. This is an unfair and unjust practice, and I demand that the excess amount be applied towards my principal balance as soon as possible. 

I have attempted to resolve these issues by contacting Ally Financial Bank 's customer service department, but I have not received a satisfactory response. Therefore, I am filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) to seek assistance in resolving these issues. 

I request that the CFPB investigate this matter thoroughly and take appropriate action against Ally Financial Bank for the mishandling of my loan payments. I also request that the bank correct the reporting of my payment history and apply the overpayment to my principal balance as soon as possible. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Between
mid-XX/XX/XXXX and XX/XX/XXXX Equifax experienced a cybersecurity breach. The company discovered the hack on XX/XX/XXXX. On XX/XX/XXXX the company made it known that the intrusion may have affected around 143 million U.S. customers. Names, Social Security numbers, birth dates, addresses, driver 's license numbers, credit card numbers, and dispute documents with personal identifying information were accessed.
I learned about it the next morning, today, XX/XX/XXXX, and learned from Equifax that my personal information may have been accessed. I have finally completed steps for securing my identify after an anxious and stressful day. I hope that the steps I have taken are sufficient.
Product: Mortgage

I have waited 6 weeks to write this to ensure I as objective, honest and this was not just an angry review. I pulled out of buying my home the XXXX of XXXX. This company is the biggest scam ever. You pay the {$500.00}, and you never can give them enough information or documents to be approved. I had 3 months of back and forth, document after document, same letter written several times. It took 3 weeks and me freaking out for them to realize the inspector never went out when scheduled. My closing date changed, not once, twice three or four times, but my closing date changed 9 times. It was almost " its eith the final reviewer, and they said they need this ONE last thing ''. I had to source my loan to an outside company to see why and how my money down changed, and it turns out the changed the terms of my loan and NO ONE noticed but me, and I kept asling and pointing it out, and NO solution was found till I outsorced. I had 10g in my account and they convinced me i had to have 800 from a family friend, and i finally got even that, and they still wouldnt finalize my loan. But they got my {$500.00} which is NOT refundable. Myself, the buyer, and bith realitors were so frustraited that crying calls became a thing. The realitora even gave up all their comission to appease the mortage company. And when the seller agreed to the laon amount ( 6 weeks qftwr the loan was supposednto be finalized bc apprasial was 5 weeksnlate ) they kept coming up with q task list of 1. Then you do the 1 thing they need ( my turn around time was usually 2-4 hours ), and then it go back to the senior under wditer for 4-5 days for them to find another issue and another 1 thing ti do. I was homeless with my son because they changed the closing date 48 hours before close. My family stayed with family for 3 weeks thinking '' well we are this dar might as well see it througj '', and when we hit the date we had to close by because we had to move, they changed it 24 hours before again. I ended up just renting a place and pulling out. They are designed to break you down and drag dit out so YOU cancel the loan, because once you do that your {$500.00} is not refundable because YOU made that choice. Sadly, they cause mental and emotional break downs of people to get them to do that. There is a special circle in XXXX dedicaited to Amerisave Mortagge for what they do to people. And no, i dont wan na call the sutomer servic ehelp line to clearify any XXXX. The bigus response Amerisave has to these reviews thats copy and pasted and never addresses the claims should let everyone know exactly how thsy run their business. Stay away. Far far dar away. If credit karma or another app sent you here, run.
Product: Credit reporting or other personal consumer reports

I am writing to express my disappointment regarding these accounts reporting negatively on my credit report. I believe they were not reported with maximum accuracy and it's affecting me and my XXXX XXXX. I need you to fix this problem right away because my scores are also being affected.