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

I am writing to express my deep concern and frustration regarding a disturbing incident involving Wells Fargo Bank. I discovered that a fraudulent checking account was opened under my name without my consent or knowledge, leading to a myriad of inconveniences and hardships. 

Upon reviewing my credit report in summer of 2022, I was shocked to find an unauthorized checking account listed under my name with Wells Fargo. This discovery not only came as a complete surprise but also raised serious questions about the security protocols and identity verification processes employed by your institution. 

The implications of this fraudulent activity have been far-reaching and disruptive. Firstly, the unauthorized checking account has tarnished my credit history and could potentially affect my ability to secure loans or other financial services in the future. Moreover, the fraudulent account has led to financial losses, including overdraft fees, insufficient fund charges, and potential damage to my credit score.

The inconvenience caused by this fraudulent checking account extends beyond just financial repercussions. I have been forced to spend countless hours attempting to rectify this issue, including contacting Wells Fargo 's customer service, submitting identity theft reports, and communicating with credit reporting agencies. This has resulted in significant stress and anxiety, as well as disruptions to my personal and professional life. 

Furthermore, the lack of communication and assistance from Wells Fargo throughout this ordeal has been deeply disappointing. Despite numerous attempts to resolve the issue, I have encountered delays, confusion, and a general lack of accountability from your institution. This has only exacerbated the frustration and inconvenience caused by the fraudulent checking account. 

As a victim of identity theft, I implore Wells Fargo to take immediate and decisive action to address this matter. This includes fully investigating the fraudulent account, removing it from my credit report, and implementing stricter identity verification measures to prevent similar incidents from occurring in the future. Additionally, I request compensation for any financial losses incurred as a result of this fraudulent activity. 

I trust that Wells Fargo will prioritize the resolution of this issue and take proactive steps to ensure the security and integrity of its customers ' accounts moving forward. Your prompt attention to this matter is greatly appreciated.
Product: Credit card or prepaid card

The capital one credit card has been sending unlawful credit cards to the American XXXX XXXX on the soil under the public law violating the privacy act of XXXX XXXX XXXX XXXX I am under the sovereigns immunity act of XXXX and have removed all obligations with the territorial and municipal government ; I have removed my birthcerificate with the fiduciary of the us treasury department and have notified the us state department XXXX have this document per the constitution of florida 222.17 domiciled in the XXXX america with the American political status and XXXX XXXX XXXX report under the laws of XXXX. Remove all contracts with this name XXXX XXXX XXXX XXXX or any assumed names stated in the pictures. Fees for extortion of social security card and birt certificate are in the fees of intent.
Product: Mortgage

I had a XXXX mortgage with XXXX XXXX XXXX, in XX/XX/XXXX I fell behind due to the mortgage crisis and me being a lender myself. I also had a XXXX mortgage I fell behind on. Green Tree Mortgage bought my XXXX mortgage from the XXXX lender, the note amount was for XXXX, Green Tree offered me a buyout settlement for XXXX, I was told by my lawyer not to accept it. Green Tree then bought my XXXX mortgage from XXXX XXXX XXXX, time after timer after time I would speak to Green Tree about a modification and then would send out a packet. I would then ask them what the XXXX mortgage payment would be in addition to the XXXX mortgage. Every single time and it just happened today the Green Tree rep would say " YOU DONT HAVE A XXXX MTG '', this is not true I do have a XXXX mortgage. This has gone on for years and years, they can not nor will they provide any info on my XXXX mtg. I was called XXXX time and the rep said " It was forgiven '' I was then called a few months later and the girl insulted and laughed at me when I said someone told me it was forgiven. I am a single father of XXXX and this has been so emotionally draining on me. I want information on what my XXXX mtg payment would be if we did a modification they they never ever give me that info. I even went to mediation with a judge and the lawyers for Green Tree in XX/XX/XXXX and the judge asked the lawyer about a XXXX mtg. The lawyer said he was not aware of XXXX. The judge had the lawyer call Green Tree on the phone and ask about a XXXX mtg. He was on hold in front of the judge for XXXX minutes. Someone from Green Tree finally confirmed there was a XXXX mortgage. The judge then asked if Green Tree would guarantee not to foreclose on the XXXX mtg if I agree to the first mortgage modification, Green Tree responded " No they could not guarantee that ''. The judge then told me not to accept the modification offer since they could come a month later and foreclose on the XXXX mtg. I have tried over and over to get information and Green Tree refused to provide anything. It is a Federal law that they have to provide a borrower information within 30 days of a request on an account, they have violated this law over and over. I have been harassed, spoken down to insulted for years by Green Tree I want an answer about my XXXX mtg. Please HELP
Product: Credit reporting, credit repair services, or other personal consumer reports

I KEEP DISPUTING MY PERSONAL INFORMATION SUCH AS ADDRESSES, EMPLOYMENT, PHONE NUMBER ETC AND IT WONT REMOVE OFF OF MY REPORT. I ALSO HAVE ACCOUNTS THAT I HAVE ASKED TO BE CLOSED OR FOR A PAYMENT ARRANGEMENT DUE TO SUFFERING IN SEVERE HARDSHIP AND LOSS OF INCOME DUE TO COVID 19 AND IT DISAPPEARS OFF MY CREDIT ONLY TO BE READDED. I ALSO HAVE A CAR THAT I ALMOST PAID OFF AND IT HAS COMPLETELY DISAPPEARED FROM MY ACCOUNTS. I HAVE REACHED OUT VIA XXXX XXXX, EXPERIAN, XXXX, XXXX AS WELL AS XXXX AND THEY HAVENT REMEDIED ANY SITUATION. I EVEN HAD A SCHOOL TUITION LOAN THAT HAS BEEN SOLD TO A 3RD PARTY WITHOUT NOTIFYING ME AND AS BEEN CHARGED WITH INTEREST THAT WILL NOT COME OFF OF MY REPORT. THIS IS ALL MAKING DAY TO DAY HARDER AND HARDER BECAUSE I CANT/DONT QUALIFY FOR ANYTHING DUE TO ERRORS ON MY REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX continue to report information on my credit report, stating that a credit card was opened XX/XX/XXXX with XXXX XXXX XXXX Bank. This was investigated by XXXX and deleted off the account. I have sent copies to each credit bureau of the deletion yet they still refuse to remove it. 

Also, JCPenny ( opened XX/XX/XXXX ) is reporting on XXXX. I have sent three letters, one of which showed proof that this account was removed from XXXX and XXXX, yet XXXX continue to report this on my report. 

XXXX XXXX is reporting about an account which is showing an opened date ( XX/XX/XXXX ) how is this possible. I never received any bill stating anything of a hospital bill of {$110.00}. I don't know anything about this account. 

There is proof that XXXX and JCPenny have been investigated and deleted from other bureaus yet they are still reporting on at least one of the bureaus. According to the Fair Credit Reporting Act Law, this is a violation with the reporting bureaus of non-compliance of which I've sent three or more letters asking for proof of these accounts. Asking them to provide the original documents with my signature. This is damaging my credit report and I am thinking about seeking justice for any inaccuracies that are being reported on my account.
Product: Credit card

RE : AX enticing me to open new accounts with a letter dated XX/XX/XXXX To Whom It May Concern : I am writing regarding a letter I recently received from American Express admitting that they had made a mistake in the past when they closed three of my accounts that I had opened with AX. Now they are saying that an account that I had opened with AX ending in XXXX was closed due to a technical issue. The strange thing is that AX closed my accounts in XXXX and explained why the accounts were being closed. So, I dont know if I believe it, was a technical issue. At this moment I am confused because I dont know if this letter, I received is a real letter or is it a system generated letter that does not mean anything. Or maybe AX is losing some businesses and is trying to lure in old account holders and attract more business. I know that AX got hurt when XXXX years ago Cancelled their membership. So, I dont know if they need new customers now to open new accounts. 
Regardless If AX cancelled my accounts in the past then they should reinstate the account in question since it was their mistake. I dont see myself applying for a new account and come later that it was a bogus letter. According to AX when they closed my accounts, I was told that I could not open anymore accounts with AX in the future. So, what is it that they want now? You made the mistake AX then you fix it and send me a new card. 
So, I need some clarification from AX why they sent this letter now and why is it that until now they are correcting an issue that happened in XXXX. 
Thank you in advance for your understanding. 

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

On XX/XX/XXXX I called Experian to dispute information on my credit report and was put on hold and had the call disconnected. I spoke with XXXX from Experian and she told me she would need to transfer me to the Customer Assistance Special Services ( CASS ) I then got transferred to an automated machine that could not process my dispute.
I called back and spoke with XXXX over the phone and he said he could not transfer me to CASS dept XXXX XXXX because he does not have the capability to do so. XXXX transferred me to the dispute department which I waited on hold for another 20 minutes.
Then I spoke with Team Instinct XXXX on or about XXXX and she said she processed my dispute. I hope that Experian can help solve the hold and wait time because consumers should be able to dispute information online without calling.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report, it showed that I missed a payment of {$230.00} in XX/XX/2019 I believe. I later paid the bill when I logged into my XXXX  online account and saw that it hadn't been paid yet for that month. XXXX  always sent me a monthly bill in the mail reminding me of my monthly bill approaching. But I did not receive a bill in the mail the month of XX/XX/2019. I only later found out when I logged into my online account to check my lease maturity amount later that month. I never missed a payment for this vehicle lease for the entire contract period, and also paid off my lease in full after that. This was the only time I missed a payment, and it was because I never received a bill in the mail like I did every other month reminding me of my upcoming monthly payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi. I had filed my taxes for   XXXX   online and was told I owed   XXXX   {$210.00}. I made an agreement to pay the total and even made a good faith payment of {$25.00} earlier this week. I was assured by the IRS that all collection efforts would stop and I needed to make the final payment on  XXXX .     Today, I got a notice that a public record was placed on my credit report by the   XXXX     State Country  clerk for the entire amount of the debt. I contacted the IRS and they explained that the credit bureaus must have sent someone to review the public records to add to consumer credit reports before the country clerk got notified and that is why it is on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Provided the FTC report to the reporting agencies and they have not rectified the issue. Unauthorized inquires listed below need to be removed immediately : XXXX XXXX XXXX  Miscellaneous Reptg. Agencies XX/XX/XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Miscellaneous Reptg. Agencies XX/XX/XXXX XXXX XXXX XXXX Credit Unions XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX Reptg. Agencies XX/XX/XXXX XXXX XXXX XXXX XXXX Reptg. Agencies XX/XX/XXXX XXXX XXXX XXXX XXXX Reptg. Agencies XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Miscellaneous Reptg. Agencies XX/XX/XXXX XXXX XXXX Miscellaneous Reptg. Agencies XX/XX/XXXX XXXX XXXX XXXX other than personal XX/XX/XXXX TransUnion XXXX XXXX XXXX other than personal XX/XX/XXXX TransUnion XXXX XXXX XXXX Finance, personal XX/XX/XXXX TransUnion XXXX Department, variety , local, regional, and national chains XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX Miscellaneous and public record XX/XX/XXXX TransUnion XXXX XXXX  Miscellaneous and public record XX/XX/XXXX TransUnion
Product: Credit card

Capital one credit card venture ibhave had a incentive XXXX XXXX XXXX XXXX was hacked my ohone was locked for 4 days because of a trial I had against a known hacker and when it unlocked after having it fixed by tech support my capital one account was overdue when it was still within the time limit and instead of XXXXXXXX XXXX payment I owed XXXX XXXX XXXX XXXX I paid XXXX and now I am cornered because my other bank accounts and online accounts arent billing right either.
Product: Money transfer, virtual currency, or money service

Had Fraudulent transaction on my Robinhood account. They placed a temporary hold on my account on XX/XX/XXXX. Every time I call them and verify my information they say its wrong and I verify my account by ID. I spent hours on the phone just for them to hang up on me. I contacted them on XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX, XXXX, and XXXX got ahold of them and they finally talked to me and told me to send my bank statements with closed accounts. I sent my bank statements on XXXX and XXXX as requested. Then my account still was not unlocked. Ive been trying daily since then and I wait hours on hold with no callback. They say they call me and my phone never rings. Then they close the case so I have to resubmit everything. I resubmitted documents again on XX/XX/XXXX and tried to get in touch and nothing. Now they closed this case and opened up a new one XX/XX/XXXX. Im getting no where with them. I want the money transferred back in to my new checking account because they made me close the 2 checking accounts that were hacked with the fraudulent transaction.
Product: Debt collection

Woman XXXX uses bullying tactics Told her I paid cash and office was supposed to bill insurance Same lady harasses me Called me good for nothing loser
Product: Mortgage

Carrington bought my mortgage from XXXX  in the middle of XXXX taking my trial payments to modify my loan. Carrington claimed they didnt receive any paperwork they needed and had a nasty bill collector call and harass that the house was being taken and when would we be out of the house. My daughter called the bank and made a balloon payment to bring it up to date and we are late again. Same man started calling and even called me at XXXX. I am having my daughter cal Carrington directly but I no longer want their debt collectors calling me, only carrington directly. They also had someone come out to do residency verification, the previous people employed by XXXX   were more professional, the gentleman in question stepped onto my property without permission, engaged in a verbal dispute with my son-in-law stating that the bank owns the property and he did not have to talk to us.
Product: Checking or savings account

I was a teller at a bank years ago so I am aware of how they process transactions. The credits are processed before the debits. For example, if you have an overdraft fee that is pending but hasn't posted to your account and you make a deposit that same day the fee should fall off. Just like sweeping funds from an overdraft protection account. A few months ago I made a deposit while the fee was pending and they charged me without regard. I reported them to the Federal Reserve and just recently got a refund after all this time. But then the same scenario happened again earlier this week. I know this goes against the banks precepts and since I know that the majority of a bank 's revenue is made with fees, this seems to be fraudulent and should be addressed. I have been with this bank and prior to this, my former employer was another large institution. This is definitely atypical.
Product: Credit card

I made a payment to my Bank of America credit card on XXXX XXXX, XXXX for the amount of {$99.00}. BOA processed the payment to an incorrect account, a " XXXX '' was included to my already saved account number. After this I did not received any letters notifying me of the return payment. The next month I was charged and additional {$25.00} for the " missed payment '' and my granddaughter and I called called customer service on XXXX XXXX, XXXX cancelled the account. At that moment we made the payment in full of the account for the amount of {$180.00} and were told no we had no pending balance. Next month {$1.00} were charged for " minimum interest charges '' on an account that was closed. BOA made an unauthorized charge of {$1.00} to the account that was return " unpaid '' and send me a letter notifying me that the payment was retuned and that additional fees associated with the transaction were applicable. An additional {$1.00} charge was included on my billing statement of my already closed account. Today I made a {$3.00} payment to cover this charges, because I do n't want my excellent credit history damaged by this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I uploaded a letter to Experian, XXXX  and XXXX  and asked if they could send me copies of the documents used to verify the accuracy of the account on DATE SUBMITTED. They sent me an alert which said the account was updated and the companies verified my accounts. I asked for proof of any files to verify these accounts and if there are not any, please delete these accounts. Experian, XXXX  or XXXX does not have any files to verify these accounts, nor will they delete it.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fun Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting

XXXX XXXX XXXX collection agency is reporting on my Equifax credit report. They have no legal right to report any derogatory information on any of my credit reports.
Product: Student loan

My student loans that are over XXXX XXXX XXXX with an original principle of {$39000.00} are on the XXXX plan and the servicer is ED Financial. 6 months ago in XXXX of XXXX I worked with ED Financial to put these in forbearance since I could not make the payments. They should have been put in a SAVE forbearance which will not accrue interest, but instead ED Financial put them in a verbal forbearance which has been accruing interest for months. On XXXX ED Financial told me over the phone that this is a mistake and that they will fix this, but they would not provide anything in writing. Additionally, on XXXX they sent me a repayment schedule for the XXXX plan that does not make any sense. This repayment schedule has me paying {$68.00} for XXXX  months. Then it goes up to {$2100.00} a month after that for the next 18 months, then varying amounts per month after that. I only make {$18.00} an hour XXXX hours a week. A payment of over XXXX XXXX a month based on this income does not make sense.
Product: Credit card or prepaid card

In 2021 I received a debit card for unemployment a boa prepaid debit card I'm supposed to have a balance of XXXX on there which I never received any of the money at once it was put in multiple payments I only spent a little bit of the money as they closed my card over and over and over again and told me to verify in the bank with two forms of ID in California which I now live in Idaho because I had to come home because I was homeless and broke with my account frozen over and over again I'm still trying to resolve this matter as the EDD just closed my account because of a another fraud thing I don't know really the whole thing is just a big mess the money was stolen out of my account by fraud when I didn't even have an active card on file I still don't have an active card on file and I was trying to dispute the money they denied every claim I made made me wait 90 days for an answer and still never got it cleared up I am still walked out of my account still trying to get back in it I still have to clear my ID check with the EDD to even be able to start the dispute process with Bank of America again on the card and it's two years in the making now and I'm still looking for some kind of resolving I'm filing this complaint because as soon as I verify my identity with EDD again I'm afraid the Bank of America will put another lock on my account so that I can't start the dispute process for the third time I'm very tired of doing this and now I have to pay taxes on that money that I never received because it was all taken out of my account by Bank of America and so I'm going to upload my documents as soon as I can and try to get this straightened out so I can pay my taxes on this money that I never received that was stolen and I need to start this dispute process all over again and it's going to be a wreck so I'm going to file this complaint so you guys know what's going on and I hope to get this resolved as soon as possible Bank of America is impossible that have just been back and forth with EDD Bank of America EDD Bank of America it's just a never-ending battle