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

I had applied for a loan using XXXX XXXX, I got approved and when I try to use the card it was unable to be use, the debit card so I reach out to the credit karma bank to figure out why my account is locked and I can't use my available balance, they said I would need to send proof that this account belongs too Me.which was strange because this is my XXXX XXXX  refund ..account which I Have use XXXX XXXX for over 10 years I usually do a direct deposit using my personal bank account but XXXX XXXX make u deposit it on the credit karma card who won't allow you too use the money .it 's been over 3 weeks and my account is still locked and they keep sending me this same email that my account is under review and they can not and will not release my funds until.They feel like it after I submitted all of the requested documents my us passport my Bank statement and my light bill they .have done this in the pass to other people and never release there money at all my tax return will be deposited into this account as well that money they are holding is half of my tax refund I have call them over 30 times and email them 50 times to get the same responds absolutely nothing I contract the Irs they stated it's nothing they can do .I would need to wait on a resolution From credit karma money account I even asked if they would close my account send Money in.a form.of a check they have know right to hold my refund it's my Money and there card I don't have to use there card Send me my refund in.a form.of a check they entire amount they saying they can't close my account out since it a issue in there security department which I have submitted all forms of proof they will not Give me in additional information and my funds are there but I can't use not a penny of it they are breaking the law they don't have a right to Freeze any payments from your tax return they are not they irs and not sending you your tax money.
Product: Mortgage

My existing mortgage servicing was transferred from XXXX XXXX to SunTrust Mortgage Inc . Shortly thereafter Sun Trust did an escrow analysis and refunded me {$2300.00}. On XXXX XXXX 2015, I received a letter from Sun Trust that in fact my escrow account was short {$4100.00} And either I paid the full amount or my mortgage would go from {$2500.00} to {$2900.00}. When I called for an explanation I was told that when the servicing was transferred, XXXX XXXX had not paid my local town taxes. I told them that they should go after XXXX since they were they ones holding my escrow and should have made all payments prior to the transfer. I returned the money they sent me in error but I will not paid anything more than what I was paying before the servicing was transferred. It is Sun Trust mistake and they not me should be responsible. I spoke to their Customer service Virginia, XXXX XXXX and XXXX XXXX who did the research and realized their mistake on XXXX/XXXX/15. See attached correspondence and tax statements from town.
Product: Checking or savings account

On a Saturday I transferred money from my Regions Bank XXXX account to my Regions Bank XXXX account via online banking. I reviewed my checking account balance to see that the transfer went through and the balance reflected the transfer. Then I went to XXXXwo stores and made purchases using my debit card. On Tuesday morning, I checked my account online and noticed that it was negative. After further review I saw two bank overdraft charges for the two purchases I made after transferring money into my checking account. I called Regions bank customer service and asked the agent why I was charged two overdraft fees for the purchases when I transferred more than enough money into my account before making the purchases to avoid overdraft. She informed me that the bank was closed on weekends and on Monday mornings their policy is to post all the debits first then the credits. They do not post in the order the transactions were made. So they essentially charged my account for the two transactions before they posted the transfer which made my account overdraft because there wasnt enough money in the account to cover the transactions which is why I did the transfer in the first place. After which they charged me an overdraft fee for each transaction after that.
Product: Mortgage

This is concerning sloppy and illegal practices with my mortgage escrow account. In the past year, except for one month, I've kept my mortgage pre-paid by 4-8 weeks. For the last two cycles it's been six weeks ahead. 

When I logged on to make the monthly payment last week ( XX/XX/XXXX ), I was shocked to see a big increase in the escrow amount. There was no explanation for this. When I clicked " see escrow analysis, '' it didn't have one listed. Past escrow analyses are not posted there, either. Because I wanted to be sure to get my payment done, I went ahead and paid it and called WF. I was told that this was the new amount because there was a shortage of {$230.00} Well yes, my XXXX insurance is that much higher, however the XXXX premium is already paid in full and at the time of that conversation, there was over {$700.00} in the escrow account. As of that evening, there is more than {$900.00} and the only upcoming bill before fall XXXX is the XXXX insurance charge of $ XXXX. By then I will have made at least two more escrow payments, bringing the amount to double what is needed for that tax bill. 

The next day, XX/XX/XXXX, the escrow analysis did show up in my online account, but it gave me a choice to 1 ) pay the {$230.00} up front plus $ XXXX more than I was paying last year, or 2 ) pay $ XXXX. to pay it out over time. Given a choice, I would've taken 1 ). But I had no choice as the {$250.00} was automatically added to the escrow fee on my account when I logged on, before the latest escrow analysis was even published. 

This is a violation of RSPA X, which specifies that lenders will provide the escrow analysis by postal mail to consumers. I was given no choice but to make the higher payment before it was even published. 

It is also a failure to meet the RSPA X requirement to do an aggregate analysis of my mortgage. There were a couple weeks during which there was a negative balance, due to the early-bird collection of premium by my previous insurer and immediate collection of premium by the new one. When I received the refund check from my canceled policy, it was deposited into the account electronically on the same day. So there is no lack of diligence to keep current on my part. 

I have attached the escrow analysis and screenshots ( with date visible ) showing the period of time payments were made. To date I've not received the mailed analysis. Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

TransUnion is reporting three fraudulent accounts to my credit report. I have included the police report and ftc report. 

The three XXXX accounts and all the inquiries need to be removed due to fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  continues to report inquiries that i did not consent to, authorize, nor benefit from. According to the FCRA 1681 ( B ) ( 2 ) nothing on the consumer report shall be furnished without the written consent of the consumer.
Product: Mortgage

I '' m filing this complaint against Wells Fargo N.A. for failure to engage in loss Mitigation. I was under approve for a modification in or around XX/XX/XXXX shortly after I started making payments. I was forced to retire from my job and I apply for my Social Security, which gave me a big reduction in my income. Which caused me to default. Now Im facing foreclosure which was file on XX/XX/XXXX. I engaged help from a HUD train Housing Counselor to help me get my modification reinstated. After we contacted Wells Fargo to request that my modification be reinstated along with my Housing Counselor they refused to work with me claiming that my loan was under ligation. She explained to them that my loan was in foreclosure and still under to redemption period Im trying to save my home. They totally refuse. My housing Counselor explained to me that she involved in a civil suit with Wells Fargo and she believes that was the reason why they claiming I was involved as well. My counselor informs me to made the call myself. I made a second call on XX/XX/XXXX to Wells Fargo they were very persisting about not being able to help due to the ligation. Upon asking which ligation they were referring to they fail to answer. Well Fargo demand that I seek out a lawyer, once again I ask the same question why do I need to hire a lawyer for a modification. They reply by saying because of the alleged ligation Im supposed to be involve in. Them they proceed to demand who am Im working with. Since they refuse to give me information concerning this ligation I refuse to tell them who Im working with. I feel like they have violated my civil Rights they are discriminating me due to my housing counselor, yes! I want to keep my home. Please HELP
Product: Credit card or prepaid card

The bank sent me a statement prior to the credit card. I was charged a {$39.00} fee on XX/XX/2022 before I activated the card. I did not have the opportunity to enroll in automatic payments to have the fee waived and did not activate the card until XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I tried to fix some problems with XXXX & TransUnion - both CRAs did a lot of un-ethical showing me a lot advertising for other products! Even after I made it clear that I did not want to buy those products - they kept sending those ads! 

That has compounded the problems with false info! Even this month - XX/XX/XXXX - I tried - a lot of times to check if TransUnion had deleted the false info. I COULD NOT load my credit report because when I tried - more TransUnion Advertising came instead! 

That happened again & again & again!!! So now I have to file complaints against all 3 of those companies!!! I need to file complaints with CFPB about distinctly different 3 distinctly different companies. - Those 3 companies are - 1- XXXX. - 2 XXXX. & 3 - TransUnion. 



In XXXX - I had been a customer of all 3 of these companies since almost as long I have been old enough to have credit cards or credit reports. - Things had gone very well! - Then - in XXXX - some problems started! - In XXXX - false charges started appearing on my XXXX XXXX. - I called XXXX Customer Service to talk to them about that. - Some of the charges were from another state. Very strange. - I was avoiding using my XXXX XXXX for a while. - XXXX de-activated my account. - XXXX sent false info to my credit files! - I suffered from a ridiculous amount of adverse actions because of XXXX sending false info to my files! - I also suffered from adverse actions because XXXX failed to correct the problems even after 30 days! - Those 3 companies - XXXX, XXXX  & TransUnion have severely violated FCRA! - That caused more adverse actions against me! - For example - I got toy limited by XXXX & XXXX XXXX XXXX! That toy limiting almost certainly happened because of XXXX sending false info to my files! 

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Product: Credit reporting

I recently have ask you to show me permissible purpose that I allowed many of the creditors that you are reporting hard inquries on my report to be allowed to report the inquiry under the Fair Credit Act. I 'm asking you to show me, full documentation that the inquries belong on my credit report. Not a response with an answer of you believe that it was permissible purpose. The credit report showed a credit inquiry by a company ( s ) that I do not recall authorizing. I understand that you should n't be allowed to put aninquiry on my file unless I have authorized it. Please have thisinquiry or inquries removed from my credit file because it is making it verydifficult for me to acquire credit.
Product: Credit reporting

Re : Request for Addition of Credit Information Dear All According to the Fair Credit Reporting Act, I am permitted to have accurate and true information reflected in my credit report. To accomplish this, I am requesting that my good pay history with [ [ Creditor Name ] ] be added as soon as possible. The account has been open since [ [ XXXX/XXXX/XXXX ] ]. 
I have attached paperwork proving that the account should be reported under my social security number for your review. 
I understand that, " A consumer 's credit report should reflect completeness and accuracy within a reasonable time after notification by the consumer. '' I look forward to receiving an updated copy of my credit report reflecting this change. 
Thanking you in advance for your assistance. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX FLORIDA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is reporting a Public Record that do not belong to me. I have made many attempts to get this situation rectified. I need your help in getting this Public Record removed from my credit profile. 

Also, there the XXXX XXXX XXXX address do not now nor in the past belong to me. Please remove this address from my credit profile.
Product: Student loan

New services was asked to provide a payment plan so that I could secure housing since debt/income and negative credit did not reflect applied for IBR and amount currently due. Letter generated reflected a payment plan and payment made but negative credit was still reported. New letter requested and statement showing payment was made but there was no statement made available and letter was requested but never received. After checking back for the letter supervisor stated that they could not send a letter as they had in the past when the account was new but they added additional charges and reporting made it look like there were two accounts. They said they could not correct it and supervisor did not tell me who I would make a complaint to so I had to research this in my own and it is how I am here
Product: Debt collection

I received a bill in the mail for a crypto currency company named XXXX that was charged to my name. Im a full time college student away from home, so when I saw this I was extremely confused. There has been an instance of fraudulent activity involving my name and birthday. I have never used this XXXX app a day in my life. I talked to the collection agency and they sent me here to complete this form
Product: Debt collection

In XX/XX/XXXX I was approved for a consolidation by XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. The money was sent to all creditors. On XX/XX/XXXX XXXX returned approximately XXXX back to XXXX  XXXX XXXX without an explanation. In XX/XX/XXXX I was contacted by TSI Transworld Systems 3rd Party collection agency stating the debt was outstanding. I explained all debts were consolidated and this debt is paid in full. InXX/XX/XXXX my wages were garnished. I called TSI and was denied the dispute and told it would not stop the discharge. I escalated and was transferred to XXXX XXXX. Who took the dispute. XXXX agreed to send my original promissory note. On XXXX the notice was mailed to me and TSI resolved my dispute and put me back into collection. I called XXXX XXXX directly and he put my case back in dispute but not before I suffered another garnishment. On XX/XX/XXXX I mailed all proof to XXXX XXXX to help me dispute. They agreed to call this a missed loan issue and not require me to file for another consolidation and stated the claim can take up to 30 days. On XX/XX/XXXX I contacted XXXX XXXX for a status. I was informed by XXXX that on XX/XX/XXXX XXXX XXXX sent notification to XXXX to resolve the issue and XXXX has not responded. I contacted XXXX XXXX with TSI to explain the situation and ask for his assistance in reaching XXXX to resolve because when I call the automated system referred me to TSI and disconnects. XXXX assured me He would help and suggested I call back Friday XXXX. Instead of assistance from TSI, they resolved my dispute and on XX/XX/XXXXgarnished my wages again. Since this ordeal has started my wages have been garnished approximately {$1000.00} which is 1/2 the debt owed. The unexpected garnishment has placed me in a financial hardship and forced me to borrow money and juggle my mortgage and other financial responsibilities. I would like to file a claim and obtain information to sue TSI for unfair treatment and unethical collection practices. TSI 's only focus is to recover their % by collecting on a debt that is truly not valid. I understand their position as a collection agency, but their practices are bordering unethical and harassment and definitely not helpful. I have been in constant contact with all 3 companies trying to resolve this issue. 6 months later it is still unresolved and I am being burdened, harrassed, and my wages garnished for my diligence. Please help. I am looking for ways to stop the garnishment, resolve the outstanding issue and recover on garnished wages and hardship. Please help. I can be reached at XXXX and my name is XXXX XXXX.
Product: Credit card

I received a text on a Sunday - that my credit card was used at XXXX XXXX XXXX for {$630.00} & card was declined + XXXX at XXXX for {$230.00} was approved - asked did I authorized this activity. I called the Bank of America # on my card, waited over 2 hours & said " NO '' Basically advised to call back on Monday. I also contacted XXXX & they said they couldn't do anything until credit card company advised. 

Called on Monday & said " NO '' again & was advised to throw away my card & they would issue a new one. 

XX/XX/XXXX  I received something from them which said they were temporarily crediting my account the {$230.00} while they " researched '' my claim. What is to research - I didn't authorized the used of my credit card. I have never been to that place. 

Chargeback Response from paperwork said unintelligible stuff that credit card # & name, address and expiration date were verified for " All day dining premium '' at {$230.00}. Again, I did not do this - after XXXX I received the {$230.00} on my credit card and they still expect me to pay this. I did not do this! 

Do I contact XXXX again? What do I do? Credit card company is no help. Don't have anything really to attach - I did not authrorize this!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to express my serious concern about the multiple violations that I have noticed on my consumer credit report, which have been caused by your agency. As my understanding of FCRA 15 U.S. Code 1681n, I am entitled to monetary compensation for the damages caused by these violations. 

Upon reviewing my credit report, I noticed that your agency has furnished reports in connection with credit transactions that were not initiated by me. According to the FCRA, this can only be done if I have given you authorization to do so. Since I have not authorized any such transactions, it is clear that your agency is in violation of the law. 

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

XXXX XXXX Address : XXXX XXXX XXXX XXXX, OR XXXX Phone Number : XXXX XXXX Account Number : XXXX Data Submitted : XXXX Data Submitted : XXXX The months of XXXX and XXXX. I could not pay the minimum fee. 

Because I was unemployed and I quarantined. Because I Affected by Natural or Declared Disaster e.g. COVID-19. 

I called 2 twice to XXXX XXXX-XXXX explaining the reason. 

Data Submitted : XXXX Data Submitted : XXXX XXXX XXXX put in the credit bureaus Potentially Negative. 

Payment History Legend XXXX and XXXX - 30 Days Past Due I made two disputes in the credit bureaus, explaining the reason and XXXX XXXX-XXXX does not remove Potentially Negative. 
Data Submitted : XXXX Data Submitted : XXXX
Product: Debt collection

Prior to XXXX/XXXX/23 I had a mobile account with XXXX XXXX under XXXX XXXX XXXX. On XX/XX/XXXX I contacted XXXX XXXX and terminated mobile services. After XXXX/XXXX/23 I did not use any service or purchase any product from XXXX XXXX nor did i receive any bill from them. On XX/XX/XXXX I received a demand letter from Convergent Outsourcing Inc falsely claiming I owed XXXX XXXX  $ XXXX without any information as to what specifically the bill was for. I called Convergent Outsourcing and spoke with an agent and indicated i terminated my phone service with XXXX XXXX in XXXX and did not owe them anything. The agent did not provide any information regarding countermanding my statement. I then called XXXX and spoke to XXXX and again explained i terminated service with XXXX XXXX in XXXX and did not owe anything- once again, XXXX XXXX  did not deny what i have stated. This to me seems to have the badges of fraud and I have made complaint to the Washington State AG office, as well.
Product: Debt collection

I spoke to a collector at Conserve around early to mid 2018 about 2 collections they put on my credit report. I told the collector that the amount reported to did not seem like it was the right amount, and he told me to take it up with the original creditor and not him. No one wanted to discuss the validity of the final amount with me.
Product: Debt collection

On XXXX/XXXX/XXXX my wife received a letter from XXXX XXXX XXXX XXXX XXXX, GIg Harbour, Washington XXXX. In that letter they listed debts solely owed by me and attempted to convince her she too was responsible. The debt involves unpaid parking tickets on a vehicle solely owned by me. The account # is XXXX. Not only did they share privileged financial information with a non party but they attempted to convince my wife she was responsible for the debt. XXXX XXXX also refused to provide the nys licensing information and indicated that she was not required to do so. XXXX also would not let me speak and indicated that my wife would be in trouble if she did not pay.