23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/XXXX, USAA approved a debt management proposal for my account. Since that date, all payments required by the agreement have been made monthly. I received a letter dated XX/XX/XXXX indicating that the account had been assigned to a 3rd-party collection agency. Based on the accepted agreement and payments this assignment is incorrect. The debt management agency has contacted USAA on multiple occasions to have this error corrected, but USAA has not taken any action. USAA is currently reporting a " Charged off '' status on mine and my spouse 's credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a XXXX XXXX XXXX and they switched to XXXX and started charging minimum fees if you did not use the card as soon as I noticed the small fee I called in to cancel the card and get the fee removed. I was reassured the account was closed and the fee was removed and the next month I got another email claiming my account was passed due. I called again and again the rep stated she would credit the fee and close the account. The 3rd month rolled around I got another notification and called again. Same thing, this time more minimum charges plus now late fees. Rep assured me she would handle it once and for all. I recieved a notification from the credit bureau the card was closed due to late payment they made derogatory remarks on my credit and they are still charging the minimum fees and late payments. I called AGAIN this is 5 months now. I spoke to a supervisor that had so much background noise now they are telling me I have to jump through hoops to get this removed. My husband and I are trying to buy a house. This XXXX has made my credit drop down XXXX points!!! I just want this fixed. I don't know what else to do. I even offered on the 3rd month just to pay the stupid XXXX minimum fee and move on but the rep said it wasn't necessary it was reimbursed and closed.
Product: Mortgage

I am having a dispute with the title company. The title company made the payout directly to the lender. I asked that the money not be applied because I am disputing the amount paid. Wells Fargo applied the money to my mortgage and refuses to reverse the transaction. Wells Fargo applied the money to the principal and interest. Again, Wells Fargo refused my request to at least apply all the money to the principal. I requested that a supervisor call me back and have yet to hear from anyone.
Product: Checking or savings account

I was debited overdraft fees for weeks before I was able to take care of it and it came up to over XXXX in fees.
Product: Credit card or prepaid card

In XX/XX/XXXX I asked Wells Fargo to add a friend of mine to be an authorized user on my credit card account. I did not ask to add her as a joint account holder. She only had a card with her name on it. The account is mine and I opened it in XX/XX/XXXX. I recently asked Wells Fargo to make that card invalid and remove my friend as an authorized user. Wells Fargo reported to the credit bureau that the account was closed and this affected my friends credit score and it went down 100 points from XXXX to XXXX. The account is not closed and she was simply removed as an authorized user. My credit score was not affected at all because the account is still open and I am the account holder. 

This is unfair credit reporting. I know this because I am an authorized user on my employer 's credit card account. If I quit my job and they take me off as an authorized user this should not reflect on my credit history because my employer 's account will still be in good standing and I am not responsible for the account after I am removed as an authorized user and my credit history should not be affected. Wells Fargo is committing fraud by falsely reporting that my friend closed the account when the account is actually still open. This violates the fair credit reporting act.
Product: Credit reporting or other personal consumer reports

From : 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 XXXX XXXX XXXX XXXXXX/XX/year> Amount of alleged debt : {$3500.00} Provider of Service : XXXX XXXX XXXX XXXX XXXX Dear CENTRAL PORTFOLIO CONTROL,, Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you allow me to validate the alleged debt. I am aware that there is a debt from XXXX XXXX XXXX XXXX XXXX appearing on my credit reports. 
Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission XXXX XXXX XXXX XXXX XXXX XXXX for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization.

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting to all credit bureaus until the debt has been validated by me. 
Please send this information to my address listed above and accept this letter, sent via cfpb, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt.

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof.
Product: Mortgage

I opened a home equity line account with Bank of America in XXXX of XXXX. When I did my home refinance with XXXX bank in XXXX XXXX of XXXX, I called Bank of America to keep this account of mine open. Bank of America promised me that this account would be kept open no matter what. However Bank of America closed my home equity Line account without any reason. Even worse, Bank of America charged me a fee for their mistake. 
When I called Bank of America, I was told that I could re-apply for a new home equity line account. I followed their advice but Bank of America ate its own words and turned down my application. 
Why Bank of America should cheat its customer repeatedly? 
Please help me. 
Thank you!
Product: Checking or savings account

On XX/XX/XXXX I noticed from an online inquiry {$2400.00} being taken from my joint checking account without my or my wife 's authorization. I called the involved bank 's hot line and told them to stop the transaction as it was still pending. The bank representative on the phone said they could not do that and I would have to wait 24 hours to see if it became posted. Next morning I checked and it was posted to our account, causing an overdraft. I called the bank again and was told the account would have to be closed and I should either call a different number to open a new account or visit my branch. My wife and I immediately went to the branch and expressed our frustration at being unable to stop this illegal transaction and our concern about losing such a large sum of money. Also, we wanted to know who had done this, how did it happen and what will be done about it. The bank was very compassionate. They helped us open a new account, transferred the existing balance from the old account into the new one and put {$2400.00} into our new account pending an investigation into this matter which they called a " dispute '' and which required me to formally submit in writing. We were pleased with the cooperation of the branch ( which took over two hours to complete ) but still concerned as to why this was allowed to happen in the first place after calling and warning them it was an illegal and unauthorized transaction. Further, I was told that the results of the dispute process likely will not be revealed to me in any detail, only the result. I was and remain very concerned with this dispute process. I want a detailed explanation how this happened, why I could not stop it once I noticed it was in process and notified the bank, and what I should do in the future to prevent it from happening again. And I want assurances in writing that my private account information is safe with this bank. On a broader note, I would appreciate knowing if other customers of this bank ( and possible all banks ) may also be vulnerable to the same situation as me and whether notices or other warnings should be provided to banking customers to beware of illegal activity in checking accounts. I have been the subject of illegal activity in credit cards but never in a personal checking account, hence my concern.
Product: Credit card or prepaid card

In or about XX/XX/2018, I noticed unauthorized ( fraudulent ) charges on my American Express Card. American Express refused to correct the errors for a long time, and began reporting my credit as past due and derogatory. I was finally able to get American Express to credit the fraudulent charges but when I went to pay the balance, I was told that American Express could not process my payment because the account was transferred somewhere else. They would not tell me where it was transferred and would not accept payment. But, they kept reporting it negative on my credit report. I made several attempts after to pay it and all were refused. They will not allow me to pay the balance and will not stop reporting derogatory credit on my report. I have asked them to fix the erroneous reporting and they refused. As late as yesterday, I called American Express to resolve the problem. They transferred me to 3 people and would not correct the credit reporting and would not accept payment. Don't know who has the file. I'm trying to refinance my home due to COVID-19 money constraints and can't refinance because American Express won't correct my report and won't even tell me the balance or how to pay it. The derogatory reporting has dropped my credit score over 70 points. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX, and XXXX were all contacted by me ( XXXX XXXX ) to inform them that XXXX had reported a fraudulent account under my name. I've made it very clear that this account does not belong to me. XXXX is fraudulent reporting that I opened a loan with XXXX in XXXX for {$60000.00}. First, I did not open any loans with XXXX in XXXX or any other year. Second, XXXX could XXXX provide me with any documents to support this loan ( because it is fraudulent ). Third, I've never applied for any loans for any amount even close to {$60000.00}. I told Equifax, XXXX, and XXXX that this loan does not belong to me. Equifax claims to be doing an investigation on this matter but when I logged into my Equifax account today ( XX/XX/XXXX ), I noticed that Equifax has modified the fraudulent loan information instead of deleting it from my credit report as requested by me. Equifax has changed the fraudulent loan amount to say " XXXX = XXXX ''. These are all approximate numbers but Equifax is suggesting that I took out a loan from XXXX at {$60000.00} which was paid down to {$35000.00}. This information is false and fraudulent. To date, Equifax, XXXX, and XXXX have not deleted this fraudulent loan from my credit report.
Product: Debt collection

XXXX XXXX XXXX of XXXX XXXX XXXX, XXXX, WI XXXX insists that I had a revolving account with them that went unpaid and has filed a negative credit report despite my numerous calls to them to explain that I have never, ever had a XXXX XXXX XXXX credit card. These people don't listen. I was a victim of identity theft years ago by a person I was temporarily helping out with housing and this debt was apparently part of that. In addition, I had just had a XXXX XXXX   XXXX before the dates mentioned and had no reason to purchase clothing because I didn't go anywhere for nearly a year afterwards. 
I have asked that XXXX XXXX XXXX produce a document with my signature or other agreement proving that I applied for credit with them but they have thus far been unable or unwilling to provide it. The irony is that this is a clothing store with clothes made primarily from synthetic fabrics to which I am allergic. I am able to wear only natural fiber clothing such as cotton and linen. They do not have clothing I could or would wear.
Product: Checking or savings account

The company sent multiple mailers for their new business checking account. Mailers indicate stipulations for earning XXXX reward points for qualifying transactions, which I had plenty of. The company 's advertisement is very misleading, as the customer service rep later advised that it is only " online transactions, '' which is not the terminology used by the company. AMEX should revise its marketing material, and if it's only for online transactions, it should directly indicate this. The account holder was given a political answer to a simple concern. Additional actions will be taken if this language needs to be changed to reflect simply what is being asked of a new account member.
Product: Payday loan, title loan, or personal loan

Paid car loan off in XXXX of 2018. I never received the title or payoff statement. Request on separate occasions and went to local branch office. They provide a letter that said loan was paid off but did not include letterhead, vehicle information or signature. Also provide copy of original title. Took the documents provided to dmv and was told these items are insufficient. Called PNC Bank a 10th time and Im still waiting to here back. They never provided loan statements or a coupon book during the loan period. I feel like Im being held hostage by the bank. Please let me know how to get a copy of my car title.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loans are closed but its constantly also saying on my report it is increasing it made my credit score go down over 30 points from XXXX to XXXX
Product: Mortgage

I called CHFA early in XXXX to see what our options were about being able to pay our mortgage due to the economy closing down because of COVID-19. I was told by an agent that there was absolutely no deferment in place are the only thing that we could do was due for the payments for three months or forever long that we needed to was a forbearance. That the payments would just add up but that would we would have a huge balloon payment at that time. Then I was told that at the end of the deferment that was determined that we couldnt make the huge balloon payment of {$7400.00} ( Which worries me because if I dont have {$2400.00} to pay my mortgage why in gods name would they think I would have {$7400.00} 3months from now? ) And then and only then we would talk to a loss mitigator and we would see and the agent stressed the word see and I wasnt confident when the agent said that. That maybe we could put the payment at the end of our loan or we could possibly modify the loan but she wouldnt go into any detail at all about what that meant. The way that the agent talked I could tell that Chfa Has zero interest in helping their customers. I am completely out of a job now. And I am worried that I could possibly default and lose my house. The agent said that Chfa would start the deferment but it would be put on hold until we were  mailed the paperwork and we had a chance to look it over and sign it and then mail it back and then the deferment would start two days  later I received an email letting me know that the deferment had already started and that they were mailing us our paperwork. 

Here is that email. 

Your 90 day forbearance plan has been activated on our system. This ensures that late charges will be suspended for the duration of the forbearance plan. A forbearance agreement will be sent to you in the mail outlining the terms, including details such as suspending payments. Please note that we require 10-15 business days to process a change in automatic payment drafting. If your next monthly payment falls within this timeframe, please contact your bank to ensure that the scheduled automatic draft is not honored. Please allow 2 weeks for delivery of the forbearance agreement. To the extent possible, please sign and return this forbearance agreement as soon as you can.

Please note that a forbearance plan will not waive or forgive your mortgage payments. Upon completion of the plan, your loan may be restructured via a loss mitigation program. 

If additional information is needed, a Loss Mitigation Specialist will contact you directly as soon as possible. 

If you need to contact us for any reason, please login to the website XXXX XXXX XXXX and access the Secure Message Center or Contact Us page to submit your inquiry. Please do not use the COVID19 topic for follow-up inquiries.

Please stay safe and know that we are here to help. Thank you. 

I was told that forbearance wouldnt be activated until after we had mailed paperwork back to Chfa. But they went ahead and activated it anyway.
Product: Debt collection

In XX/XX/XXXX I was alerted through credit monitoring that a company named Hunter Warfield in XXXX, FL reported a fraudulent collection account under my name and ssn #. I immediately contacted Collection Attorney XXXX XXXX who sent a letter to the company requesting court documentation confirming the account however no court documentation or court judgments were provided. Attorney XXXX requested court documentation again in XX/XX/XXXX however Hunter Warfield failed to provide any court supported documents as required by the State of Michigan for non-payment of rent complaints. Instead the company continues to report inflated amounts for a fraudulent collection account to all 3 credit bureaus in attempts to ruin my credit. A 7 Year Fraud Alert was initiated on my accounts in XX/XX/XXXX after I received alerts for Homeland Security and the US Dept of Personnel in Washington, DC indicating that my personal information was compromised from their databases, and this information was sent to all 3 credit bureaus. The fraudulent entry of Hunter Warfield needs to be removed from my reports unless they can provide court documents, court judgments, or other court documentation for the alleged account.
Product: Checking or savings account

XX/XX/XXXX, XXXX After driving across the XXXX in a XXXX loaded with over XXXX XXXX pounds, I backed into the receiver dock in XXXX . I shut off the lights, locks the doors, and laid down to get a three-hour nap before the receiver arrived to unload my trailer. Just before dosing off, I tried check my bank accounts that were taking a huge hit due to diesel prices reaching well over XXXX dollars a gallon. To my surprise, I was locked out of all my accounts. 

After spending about 20 minutes on the phone with US Bank, I was told that there was nothing they could do and it could take 24 hours to unlock. The Representative at US Bank said the same thing happened to her while at the airport. I reset my phone to the factory setting the previous day and US Bank said they did not recognize the device. 

Why could they not just ask me while I was on the phone if it was me who tried to log in? Other banking apps send an email or text if they suspect an unusual login they don't lock you completely out of your account. '' That afternoon I called US Bank again and was told it would be 24 hours before they could unlock the account and currently, no one is assigned to the case. 
The following day I called US Bank and was told that it was not 24 hours but 48 hours and the reason I was told 24 hours was due to the new undertrained employees. 
With no way to pay bills, check balances, and manage my accounts. 
I contacted US Bancorp 's Executive Communications Unit and XXXX XXXX XXXX responded saying she was looking into the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not even licensed in my state to collect anything at all. I will be contacting the AG of their state as well as mine. 

Pursuant to 15 USC 1692 ( c ) ( 2 ) - I am involking my specified remedy as a consumer and the original creditor I am demanding all of the following : XXXX out the balance on this account Pay the attached invoice and compensate me for every violation labeled in the attached exhibits
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised t
hat under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am filing a complaint regarding inaccurate information XXXX has reported on my credit report. Specifically, the data provided by XXXX is incorrect and does not accurately reflect my account status. 

I have attempted to address this issue directly with XXXX  and/or the credit bureaus, but the inaccuracies remain unresolved. This reporting violates the Fair Credit Reporting Act, which requires accurate and complete information. 

I request that the CFPB investigate this matter and ensure that XXXX corrects or removes the inaccurate information promptly. 

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

In accordance with the Fair Credit Reporting act 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
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving in accurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systematic issues such as failing to forward, consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate, corrective action to remove or amend the dispute accounts, as experience inaction violates federal law and my rights as a consumer.