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

Fraudulent checking USAA XXXX Account with former spouse Closed Spring XXXX XXXX  Alert : Personal Information distributed dark web Communication with Impersonating representatives Unable to contact USAA No access to account
Product: Checking or savings account

I am filing a complaint against Capital One regarding the deceptive practices related to their 360 " high yield interest '' savings accounts. Capital One misrepresented the 360 Savings account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the 360 Performance Savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their and their advertised promises
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX Allied Trustee Services XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX CA XXXX XXXX No. XXXX XXXX XXXX represented HOA with foreclosure sale of real property in XX/XX/XXXX without a recorded lean on property. 
XX/XX/XXXX 3 years later after foreclosure sale was completed filed a new money judgement with same case file in XXXX XXXX XXXX XXXX for debt that was already satisfied in bankruptcy and foreclosure sale in another County. Past the reclamation time and deliberately, knowing, and unethically pursued to do so. 
XX/XX/XXXX Illegally Levied my bank account 3 years after representing XXXX XXXX XXXX XXXX XXXX in XXXX XXXX Ca XXXX XX/XX/XXXX Currently still dealing with this company, after winning my case, and paying my attorney to get the money back that they illegally levied back and still trying to get this vacated due to negligence and fraudulent practices. 
These fraudulent practices and unethical tactics need to be published and brought up to the public for the unfair practices, consumer violation rights etc. and be stopped and investigated.
Product: Credit card

I opened an account in XX/XX/2016 with Wells Fargo and had been making regular payments on the account. 

Without notification, the balance on the account was transferred to a new account in XX/XX/2016 that I did not request to be opened. 

I have asked Wells Fargo for an explanation as to why was this account opened in my name and the balance transferred. I received a message that the inquiry was being sent to their Executive Offices, but I have not received a response. 

From my understanding, Wells Fargo was fined million for such fraudulent business practices, and there was a full-page ad in the XXXX this week apologizing for similar activity.
Product: Credit card

attempting to work on refinancing my mortgage on my primary residence to reduce my monthly payment, putting down extra funds as l planned before my last closing and eliminating the PMI on my mortgage, my bank loan officer, XXXX XXXX of XXXX Mortgage discovered that my capital one business credit info was reported on my personal credit report thereby adversely affecting my credit scores because of the high balance. l politely called capital one to dispute this. They flatly told me that even though it was wrong to see my business credit card info on my personal credit report, that they will not remove it. l was told that it was their company policy to report business on personal whether the law allows them or not. 
Over the past 3-5 days since XXXX . XXXX told me this, l talked to ( 1 ) a supervisor XXXX identified as Employee # : XXXX and XXXX other agents on this matter, ( 2 ) one being XXXX identified as Employee # XXXX while ( 3 ) the lady who spoke to me on the first day that l do not have her information. The first agent told me that they will send me the card member agreement containing terms and conditions ( attached ) where l will find all information guiding them after l mentioned that l was never aware or made aware of this as their model of reporting. She asked me to call back when l received agreement so we could resolve further issues. That l did when l got it, read it and did not see the reporting of business credit info on personal credit info and that when l called again asking them to furnish me any disclosure concerning this that l was made aware of but that l have perhaps forgotten. XXXX told me that they are not obligated but that l could either pay off my balance or close my account with capital one. What a blackmail? 
XXXX insisted that there is absolutely nothing they can do and having been told that before in the past, no matter how long l called to insist on my argument, that they will not budge. When l asked him to give a piece of information in the law that authorized them to do what they are doing, he went blatantly refused, asking me to find it myself or call my lawyers. That seems to be rude and additional blackmail. 
So at this time, l am asking the bureau to help me look into this because l could not find the relationship between a business credit info and personal info being comingled like this despite a guarantor relationship which l was made aware the first time l got business credit that it has to do with liquidation and indemnification in cases of bankruptcies. 
This argument is critical in that l for one do not have or want any personal credit card in excess of $ XXXX unless in real estate transaction ( which l do almost yearly ) since l never had any need for those. If l knew or made aware of it, l would have outrightly rejected the increases capital one unilaterally made on this card from $ XXXX to $ XXXX, then to $ XXXX and later $ XXXX. And even if l have the money to pay off my balances, should that not be by my choice, not by force or with these kinds of threats and blackmails?
Product: Checking or savings account

I was charged overdraft fees and my account was closed by Wells Fargo.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent proof to XXXX that accounts : XXXX XXXX # XXXX is reporting inaccurately. REMOVE! 

XXXX XXXX XXXX : # XXXX is reporting inaccurately. REMOVE! 

According to 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies : ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I have filed complaints with the Consumer Federal Protection Bureau multiple times with evidence of INACCURATE INFORMATION. XXXX is not removing the inaccurate information and violating my rights. 
All complaints and evidence of inaccurate information is listed below. 

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

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple Reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX
Product: Mortgage

I've been conditionally approved since XXXX. I then sent in the paperwork and got not response. I called the customer service line, their direct line, along with emails. 

I've had over 3 adjusters on my loan paperwork who keep not responding to any of my messages. I have screenshots of all the emails, calls, direct calls I've done to try and reach them.
Product: Mortgage

I have had this mortgage since XXXX and Key bank acquired the loan in approximately XXXX. XXXX years ago I informed my loan officer at the time, XXXX XXXX XXXX, that i wanted to pay the building off early because I wanted to retire. He told me I couldn't that I was not allowed to pay any extra payments. I sent a complaint to the commission of insurances and because of this XXXX XXXX and I came to an agreement that as long as I sent in the payment w/extra principle by the due date then the money would be applied. 
I have a new loan manager, XXXX XXXX XXXX ( XXXX XXXX is his supervisor ), and I told him I wanted a payoff letter. XXXX XXXX promised me the letter so that I could pay off my loan by XX/XX/XXXX. I spoke to him XX/XX/XXXX and she stated I would have the letter by the next day giving me enough time to pay. I didn't receive the payoff statement which is dated XX/XX/XXXX until that day and I had to leave for XXXX XXXX  directly after work on an aircraft to the XXXX. XXXX XXXX did this on purpose so that I wouldn't be able to pay my loan off. I didn't want to be late with my next payment so I paid that on XX/XX/XXXX online and requested another payoff statement. To this date XXXX XXXX has {$3900.00} on hold and not applied to my loan- it is sitting in my account unapplied - and today he had the audacity to tell me that he is holding it there because he said that is my XX/XX/XXXX payment. I gave him direct instruction to apply the money to the loan and to provide the new pay off quote. He provided me the same payoff quote and is telling me that on top of the unapplied money he is holding I still have to pay the same payoff amount. Additionally, he has added {$1500.00} to my bill and has stated that this is for the attorneys to reconvey the lien. The statement has a charge for {$250.00} to reconvey the lien as well. I have spoken to my attorney who is also a mortgage broker and he has looked at the statement. He said that it is Key Bank 's obligation/responsibility to reconvey the lien and cover the legal expense to process the release not mine. My attorney states this is Key Bank 's efforts to try to make me pay a prepayment penalty which is not part of the agreement. Please help these banker are knowingly committing an assault on me to defraud me of money they are angry I've paid for the loan early. They are bullies whose strategies have caused me to want to get rid of them as soon as possible. I have today wired money to pay off the loan but If I don't get help from the bureau I believe they will not do the right thing and process my loan honestly. XXXX XXXX admitted to me today that I have been a month ahead on my payments and with out my knowledge they have taken my payments and held them for XXXX  days without applying it to the loan in an effort to wrack up more interest. They have defrauded me of my money and are continuing to defraud me as I walk out the door. Please help!!!!!!! I have no hope that they will give me the lien which is rightfully mine. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS ACCOUNT IS CLOSED AND PAID IN FULL AS OF XXXX XXXX I HAVE FILED DISPUTES AND FILED WITH CFPB. THIS INFORMATION NEEDS CORRECTED WITH THE SUPPLIED SUPPORTING DOCUMENTS.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/year> TransUnion
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX   XXXX XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ;
Product: Credit reporting or other personal consumer reports

I am writing to dispute multiple " paid in full '' accounts on my credit report as I understand it, these accounts should not negatively impact my credit since it has been fully paid. As part of the agreement these paid items were agreed to be removed as paid in full.
Product: Credit reporting or other personal consumer reports

While checking my credit profile I came across hard inquiries that do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

After discovering that I was a victim of Identity Theft I contacted the companies that the accounts originated from and to no avail, next I reported the incident and Identity breech to The Federal Trade Commission and then to an  officer  of the court in my local area as required under Federal Law. After submitting the documents via mail, I have not received any reprieve to date.
Product: Debt collection

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on MIDLAND FUND. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit reporting or other personal consumer reports

Dear CFPB Dispute Department, I am filing a formal dispute under 15 U.S. Code 1666, 1666 ( b ), and 1681n regarding an inaccurately reported late payment on my credit file for my XXXX  XXXX, Transunion, XXXX, XXXX XXXX XXXXXXXX XXXXXXXX XXXX The report states that my payment was [ XX/XX/scrub>30/60/90 ] days late, which I believe is incorrect. 

Under 15 U.S. Code 1666 ( b ), I am exercising my right to dispute this billing error and request a thorough investigation. Specifically, I ask that you obtain and review : 1. A detailed breakdown of my payment history, including due dates and actual received dates.

2. Time-stamped records of when the allegedly late payment ( s ) were received and processed. 
XXXX. Any supporting documentation from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Transunion, XXXXXXXX XXXX, Verifying the accuracy of this reported delinquency. 

Additionally, under 15 U.S. Code 1681n, if it is found that XXXX XXXX willfully provided inaccurate information or failed to properly investigate my dispute, they may be held liable for damages. I request that XXXX XXXX be required to produce verifiable documentation proving the validity of this late payment. If they can not, I demand its immediate removal under both the Fair Credit Billing Act ( FCBA ) and the Fair Credit Reporting Act ( FCRA ).

I appreciate your prompt attention to this matter and expect a response within the legally required time frame. Please provide written confirmation of the resolution. Should you need any additional information, please contact me at the phone number or email listed above.

Sincerely,
Product: Credit card or prepaid card

I received a card in the mail from usbankreliacard. It was for unemployment and since I have applied for unemployment in XXXX, XXXX, and never received any funds, I thought it was finally here. So I activated the card but then noticed that it was for Ohio. I live in Michigan. After I did some searching, and spoke with Michigan unemployment office, I found that this may be fraudulent as this card is not from the unemployment office in Michigan, where I applied. 

I activated this card on the internet last night, XX/XX/XXXX. I can not recall what information I provided but am concerned. There is no money on the card and no money has been put on the card as of current date/time. 

The card is a debit VISA - card number : XXXX - expiration date - XX/XX/XXXX code on back is XXXX. 

Today, XX/XX/XXXX, I tried calling us bank relia card at XXXX 3 times. Twice was a busy ring and once, I received a message that said they were experiencing high call volumes. Due to this, I am not able to speak to anyone regarding this card. And I am not sure if this is a safe place to speak with either. 

I need this card canceled and a report to be filed as I am unsure what information they have about me. 

I can be reached at XXXX us bank relia card address : Cardholder services XXXX XXXX XXXX XXXX, IN XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX account # XXXX, XXXX XXXXXXXX XXXX XXXX account # XXXXXXXX XXXX XXXX account # XXXX and 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 a account without my written instructions.
Product: Checking or savings account

Bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX wa, XXXX Came to deposit XXXX, XXXX XXXX per account on XX/XX/year> at about XXXX pm Teller failed to deposit XXXX to XXXX of the an accounts as I requested. I noticed this the next day tru my account, notified the bank the next day Manager branch promised to check cameras and get back to me on Tuesday XX/XX/year> no one called to resolve the issue I visited the bank twice no response from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX 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 604A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Checking or savings account

Citizens Bank charges poor people at every chance. I opened my account on their app today to see while my account is in the black, they charged me {$30.00} Again. Yet today is Sunday XX/XX/2019 and the most recent {$30.00} charge is dated as tomorrow. They already owe me {$70.00} for forcing me into an overdraft without my permission. Now, in three days, MY Bank has stolen {$100.00} from me. I want MY {$100.00} back at once!
Product: Mortgage

On XX/XX/2021 I requested an Insurance Policy Quote from XXXX XXXX XXXXXXXX, a Fay Servicing Company to replace my Insurance Policy. On XX/XX/2021 I approved the Quote and talked with XXXX XXXX the XXXX  Leader. On XX/XX/2021 I receive the Copy of the Insurance Policy from XXXX the Insurance Issuer with XXXX XXXX as the Agent Contact. This Policy will be charged with my Mortgage Premium. On XX/XX/2021 I have to process the Coverage Confirmation because Fay Servicing had not received the Copy of the Policy directly from XXXX  XXXX  ( a Fay Servicing Subsidiary ). On XX/XX/2021 I contacted to XXXX XXXX from XXXX to pay directly to them the Premium of the Insurance Policy. I continued receiving Letters from Fay Servicing telling me that they had bought a new Insurance Policy on my behalf because I didn't have Insurance. On XX/XX/2021 after have talked with several Customer Service Reps I talked with XXXX XXXX, Fay Servicing Customer Care Department VP and after a long conversation I had to re-sent to her the Copy of the Insurance Policy and she personally processed the Coverage Info, which I received a confirmation on XX/XX/2021. XXXX XXXX told me that she had solved the issue and the Insurance Policy bought by Fay Servicing had been canceled and they were not going to charge me the Premiums with my Mortgage Payment. On XX/XX/2021 Fay Servicing withdrew from my Checking Account the Mortgage Payment plus the Insurance Premium. On XX/XX/2021 when I realized of this withdrawal I called to XXXX XXXX to get the reimbursement of the Insurance Premium that they have charged but she didn't answer the phone and I left her 2 voicemail. Then I called to the Customer Service and talked with the Rep XXXX and explained the situation but he was unable to solve the issue. He tried to contact XXXX XXXX but he couldn't.
Product: Debt collection

i wrote a letter to this company dated by in XX/XX/2018 this company failed to respond to me. I've since then reached out the the credit companies and still haven't gotten any where with this debt that is supposedly owed. I don't know what this debt comes from.
Product: Credit reporting or other personal consumer reports

There are inconsistencies reporting on my credit report, I've reached out to all agencies regarding the matter and have not received a response. I asked that a thorough investigation be conducted requesting for original signed documents with correct dates. 


Account info Account name XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Joint with XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Status Closed. {$13.00}, XXXX written off. 
Status updated XX/XX/XXXX Balance {$0.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment {$0.00} Original balance {$29000.00} Highest balance - Terms 72 Months Account info Account name XXXX XXXX XXXX Account number XXXX Account type Debt Buyer Responsibility Joint with XXXX XXXX XXXX Date opened XX/XX/XXXX Status Collection account. {$13.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$13000.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$13000.00} Highest balance - Terms 1 Months On record until XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX until XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX record until XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX record until XXXX XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX  Account # XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX  Account # XXXX XXXX of XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX 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

this account is on my credit report 3 times its with capital one an XXXX which is a third party debt collector, nither company has given me in proof that is my debt pls be advise i am formally asking you to provide me with a full an proper documentation substantiate this claim