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

I am filing a complaint with Bank of America for allowing garnishment of my Missouri based checking account without my knowledge or consent to process payments to the California Tax Franchise Board that it submitted in error to Bank of America. In addition I am filing a complaint about fees charged to me of {$250.00} from Bank of America on 2 separate dates. 
XX/XX/XXXX Bank of America a garnishment of {$80.00} to be paid to an out of state debtor without my knowledge or consent. They also withdrew a payment of {$120.00} paid noted on my account as " XXXX XXXX XXXX  '' and a {$10.00} overdraft fee. In violation of Missouri Statute 525.030 Bank of America allowed more than {$210.00} of the total amount of my payroll deposit of {$360.00} ( garnishment from out of state entity ) to be withdrawn without my consent or knowledge. On XX/XX/XXXX Bank of America allowed a withdrawal of {$160.00} to legal LTS and a withdrawal of {$120.00} noted as " legal lts fees ''. Again in violation of Missouri Statute 525.030 a total of {$280.00} of the {$230.00} of my payroll deposit was withdrawn. 
On XX/XX/XXXX I was notified by the California State Franchise Tax board that the garnishment request submitted to Bank of America was done in error and that they erronously had been collecting fees for a debt that was in fact paid and no longer owed. XX/XX/XXXX The State of California submitted a notice to Bank of America regarding the error and requested that the monies withheld be returned back to me. On XX/XX/XXXX and XXXX Bank of America refused my request to return to me the money withheld and the fees charged to me. After 3 requests and receiving the information from the State of California they did agree to refund one of the {$120.00} fees but still refuse to refund any other funds they withheld. All of the funds withheld were withheld illegally, in violation of State and Federal law and withheld based on a error of the state of California. Bank of America violated my consumer rights and continues to refuse to release back to me the money they illegally withheld from my checking account.
Product: Mortgage

Notice of error : Moving for Foreclosure Sale ; Violation of Civil Rights I am writing to notify Consumer Financial Protection Bureau that Wells Fargo is violating the Servicer guidelines. I submitted a complete application with XXXX XXXX XXXX on XXXX XXXX, XXXX. XXXX XXXX XXXX is offering a solution to save my family home by purchasing our property from Wells Fargo in a short sale and selling it back to me. In this way, XXXX passes along the savings and gives me a mortgage I can afford. I learned yesterday from Wells Fargo that my application was denied through XXXX. The Wells Fargo representative told me in a telephone conversation that my application was denied because the sheriff sale is scheduled for XXXX XXXX, XXXX. I have not received any written notification from Wells Fargo. This is an obstructionist act. Wells Fargo is the entity that controls the sheriff sale process. Wells Fargo could easily adjourn the sale ( which is first date ) and provide us with time to process our application. Wells Fargo is violating the CFPB guidelines by refusing to evaluate my application filed in coordination with XXXX XXXX XXXX. 
I believe Wells Fargo is discriminating against me because I am XXXX and live in a community of XXXX. My home is in XXXX, NJ which has been destroyed by Wells Fargo and other predatory lenders. There are no property sales in XXXX. It has a XXXX property sale rate. That means that if Wells Fargo does not give the opportunity to purchase my home back from XXXX XXXX XXXX, my family home will be vacant and my family of XXXX will be homeless. 
Please urge Wells Fargo to adjourn the XXXX XXXX, XXXX sheriff sale and provide time for XXXX XXXX XXXX to negotiate the purchase of my home.
Product: Credit reporting or other personal consumer reports

A request was submitted numerous times, most recently in XX/XX/2023 to have this inaccurate reporting removed from my credit report. They responded claiming this account was accurate, but I am not liable for this debt with XXXX XXXX XXXX XXXX for {$15000.00}. I do not have a contract with XXXX XXXX XXXX XXXX. They did not provide me with the original contract as requested.
Product: Credit reporting or other personal consumer reports

Unapproved hard inquiries on my credit report are violating 15 USC 1681c-2. Please take action to correct and remove these entries.
Product: Debt collection

*This is the closest option that fits my situation. * I received a letter on XXXX/XXXX/2016 from a company called National Credit Adjusters, claiming that I owe a different company called 'XXXX ' a loan amount of {$500.00}. I never got a loan with this company ; I 've never even heard of them before. Tried calling the number listed in the letter, did n't go anywhere ( it just put me on hold until I was disconnected ). This is a false debt, so I 'm reporting them for scamming.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was fraudulently opened and maintained. I've contacted the company and communicated that. But they keep calling and threatening to place it in collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a police report and an identity theft report for multiple accounts on my credit report and they were removed and then more were able to somehow be opened after I sent In everything and also put a lock and fraud alert on my credit report. There is credit cards and loans that were opened in my name in the last year that is identity theft and the credit bureaus have been absolutely no help with all I have done to try and take care of this since 2020.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and TransUnion are reporting The following alleged account in my credit file and is listed as a collection with a PAST DUE balance of {$3400.00}. REPORTING A PAST DUE BALANCE ON A COLLECTION ACCOUNT IS INACCURATE REPORTING ACCORDING TO FCRA. This account being reported does not belong to me. 

Account Name : XXXX XXXX XXXX XXXX ACCOUNT # XXXX The account says opened XX/XX/2019. However the account also says date assigned is XX/XX/2019. The account also states date of first delinquency is XX/XX/2019. This is inaccurate reporting and are in violation with FCRA laws and guidelines. The 3 bureaus are reporting different information in which is considered inaccurate reporting under FCRA laws. THIS ACCOUNT BEING REPORTED IN MY CREDIT FILE IS A VIOLATION OF REQUISITE METO TO COMPLIANCE REPORTING STANDARDS. ACCORDING TO THE FAIR CREDIT REPORTING ACT, I HAVE THE RIGHT TO A FAIR AND ACCURATE CREDIT REPORT. THEREFORE ANY INFORMATION THAT IS NOT TRUE, ACCURATE AND VERIFIABLE IS REQUIRED TO BE REMOVED/DELETED.
Product: Debt collection

On XXXX XXXX, this collection agency contacted me via phone. They also skipped traced XXXX additional numbers to family. I called them on XXXX XXXX asking them to REMOVE my family numbers and made it clear that they had a good number for me and to stop contacting 3rd parties attempting to skip trace. I spoke to a women who barely spoke any english and I verified my identity with her and again told her to remove XXXX additional numbers from my account. She began to get very rude and said she removed them. Today, on XXXX XXXX some of those 3rd party numbers that were skipped traced even after a verified contact with me had been made and I ordered them to remove those other numbers. I contacted the company back today and asked them to remove those numbers again. The gentleman who answered the call was much more professional than the first women. He advised me the numbers had not been removed and he was removing them at that time. I again went through the verification process with them to confirm my identity and confirmed the numbers had been removed. Less than XXXX hours later I received a call again .... this time i spoke to another representative who stated again the skip traced number had not been removed ... and went through and removed the number again and went through the verification process again. At this time I advised the representative i was filing a complaint with the CFPB.
Product: Mortgage

There was no place to dispute wells fargo response to the recent complaint  XXXX .  Wells fargo     submits documentation to cfpb known to be fraudulent .wells fargo submits documents fabricated and post dated, if dated, that have forged signatures and fraudulent notary. wells faro now submits a fraudulent lost note affidavit. Notice the numbered paragraphs jump fro m 3 to 5. The re is a well documented history of correspondence to fbi, attorney generals, department of financial institutions, and many others regarding wells fargo fabricated fraudulent documentation for this heloc account.wells fargo scanned copies of the heloc file  XXXX   XXXX ,   XXXX  . Which was provided to regulating entities,  governmental agencies, legal counsel and others. Wells Fargo co ntinues to supplement the heloc documentation with fabricated documents known by wells fargo to be fraudulent..    Wells  fargo continues to commit blatant illegal acts. wells fargo insults the cfpb, the attorney generals and the deparment of justice settlements, consent orders, criminal laws. Truly wells fargo is above the law.   Consumers are forced to incur legal fees to file legal cases to prove the obvios fraud. I can prove wells fargo has fabricated documentation to commit fraud upon me, the cfpb, and the court.
Product: Credit reporting or other personal consumer reports

Re : Incorrect Addresses on My Credit Report Dear Sir/Madam, I am writing to request the removal of incorrect addresses listed on my credit report. I have noticed the following addresses that do not belong to me and where I have never lived : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These addresses were associated with temporary stays at my friends ' homes and do not reflect my actual residence history. I request that you remove these addresses from my credit report to ensure its accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax , Inc. mishandled my personal information ( for example, SSN, DOB , street address ) such that it was possibly disclosed to others without my consent. Equifax experienced a cyber-attack between XX/XX/XXXX placing myself and 143 million other Americans at risk of identify theft. This constitutes improper use of my credit report because the breach is directly attributable to the company 's website application vulnerabilities. In addition to their failure to protect information, Equifax failed to notify the public of the breach within a timely fashion, thereby increasing customers ' risk of identify theft.
Product: Mortgage

On XXXX XXXX, 2017, I contacted Specialized Loan Servicing LLC ( " SLS '' ) to pay down my mortgage by {$250000.00} and have the monthly payment recalculated ( " recast '' ). The representative told me to fax SLS a letter requesting the {$250000.00} pay-down and loan recast, and the loan investor would then be notified and have 30 days to respond. I faxed the letter on XXXX/XXXX/17, and followed up with SLS two weeks later. The representative confirmed that SLS had received my letter, but that the investor still had two weeks to respond. On XXXX/XXXX/17, I contacted the company again and was notified by XXXX ( Employee # XXXX ) that I was given incorrect information and that I needed to make the principal pay-down first and then submit the letter requesting a loan recast. XXXX could n't explain why I was given incorrect information by SLS customer service twice, or why they neglected to let me know that I was not following the correct process to have my loan recast. I instructed XXXX to log a consumer complaint and that I would be reporting SLS to the CFBP.
Product: Debt collection

On Monday, XX/XX/year>, I received a text addressing me by the name of someone else, regarding a past due collections account with XXXX as the original creditor and the debt collection company contacting me was Diversified Adjustment Service , Inc . The name they used to address my in the text was not my name, but I have a sister by that name they used. I asked my sister about it and she said she has no idea how they got my phone number. Worried that they might have more than my phone number linked to this debt account, I called them on XX/XX/scrub>XXXX XXXX XXXX XXXX They asked my name and I gave them my name and stated that I received a text addressed to a different name and that is not my name. They said do you know that person, I said, " yes it is my sister I assume ( since there was no last name in the text ), but I need to make sure my personal information is not linked to this debt account. '' Ignoring my concern, they replied asking if I knew her phone number. I said, Yes, I do, however, I need to make sure my personal information is not linked to this debt account. '' They replied with, " Your phone number has been removed from this account. '' And hung up. At XXXXXXXX XXXX that same day, I called again, explained the situation and stated again that I wanted to ensure my personal information was not linked to the debt account they have. They replied again with, " Your phone number has been removed from this account. '' and hung up. At this point, they are not willing to assist me, so I am filing this complaint to see if we can confirm that the debt/collections account they have is not fraud by confirming my social and date of birth and mailing address is not listed on the collection account that they had my phone number linked to. If you could assist me with verifying this with the collections company, I would greatly appreciate it and in hopes that this company does not treat other consumers in the future with the same lack of empathy and lack of respect.
Product: Checking or savings account

My card was lost on XX/XX/2020 I made a claim after realizing my business bank account and savings were cleaned out and left with a high negative balanced. 

Bank of America took my paycheck deposits, my regular deposits as well as my {$1200.00} stimulus check and ignored my claim as well as my affidavit submitted to them. 

Bank of America closed my account and will not restore the credits taken from my account since XX/XX/2020 nor will allow me to withdraw my remaining balance which is over {$2000.00}. 

This denial has caused hardship especially in the social climate of covid-19. I lost my job because I could not access my account to pay for gas. Food supply in my home is low. 

It has been over two months now and this is highly unlawful. I will go to the news about this.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the
Product: Debt collection

Begging in XXXX of XXXX I notified XXXX XXXX XXXX at the address of XXXX XXXX XXXX XXXX, ID XXXX that my identity was stolen and the collection was a result of that. The collection for account number # # # XXXX is not valid. After months of sending letters and calling I sent them a Notice to Furnisher and a copy of my identity theft report and ask them to stop reporting as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I asked them to send letters of their finding and actions. They did not respond and after a couple months took the collect off my credit reports. In XX/XX/XXXX Genesis Credit Management LLC apparently bought that collection. I have disputed it for the last two months and told them that it was due to Identity theft and they have refused to take it off my credit report. They will not call me or mail me any documentations. This invalid collection is interfering with my ability to get approved for the home I trying to buy.
Product: Vehicle loan or lease

On XXXX 2023, & XXXX of 2023 I called the company and ask one of the Representatives for a hardship help because I was a XXXX survivor but I had just XXXX and I was unable to work. They denied me. They proceeded with repossession, I explained to them that I will not be out from work long but I just need time because, I had been dealing with it since XXXX. They denied me. So I took a look at my contract and cried, they were charging me 20 % interest and my payments were XXXX a month. I told them Im a single parent its no way I couldve done theirs I was hurt at all the hidden things done. They truly messed over me.
Product: Checking or savings account

I have specifically asked my bank, US Bank on multiple occasions to not enroll me in any programs where overdraft coverages are allowed and then a fee is paid after an overdraft occurs. I did this when I opened my account in person, I did this again in person when I added an additional account holder. I have done this on numerous occasions since, over the phone with customer service representatives. I believe I have banked with them since XXXX. 
Recently I have noticed bank over draft fees coming out of my account but then being credited back and was under the assumption that it was some sort of auto debit and credit that just happened and then refunded, except this week multiple fees were not refunded back and I called my bank. I was informed that I had opted in to this service and that the fees were not to be refunded unless the bank had made an error. My partner is paid weekly by direct deposit so there is always a weekly deposit made in to the bank. I am paid bi weekly also by direct deposit so there are additional monthly deposits. I looked as far back as I could on my mobile app in to over draft fees and since the end of XX/XX/XXXX I have calculated over XXXX fees of {$36.00} that have not been credited back. 
I asked customer service representative to provide me proof of when I opted in to this service and they wont give it to me, I asked for a full accounting of overdraft fees paid to date & to speak to supervisors and was denied. I asked to speak to legal department and was denied. I was hung up on finally. 
I have never opted in to these protections in fact I have specifically asked that if there was not enough money in the account to cover a transaction that it be declined. I have reiterated this request on multiple occasions over the span of I believe 8 years and over and over again this will seem to be the case until they start sneaking them by on me in larger and larger numbers as they have done before in the past until I call and make a stink about it again. 
They keep saying I have opted in to this service but I have never not once done so knowingly in fact I have complained on numerous occasions and asked to have this service removed only to find out some months later that I have yet agian been re-enrolled in this service w/o my consent or knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reinvestigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account : XXXX XXXX XXXX  XXXX Balance : {$46000.00}
Product: Credit reporting or other personal consumer reports

For years I have attempted to dispute negative and erroneous items from my report all to no avail. Recently, I have tried to contact XXXX with all of my efforts being met with silence. 2 days ago, I tried to access my XXXX account after quite some time and I was sent into a loop of endless errors and confirmation emails yet still have no way to login. Please help!
Product: Credit reporting

I have settled with XXXX XXXX XXXX over 5 years ago to an amount that was less than owed to them. They have received payments up to the total settled. XXXX XXXX XXXX never sent me a letter stating that the account was settled. I do n't know why they keep these figures on my report. 
I have contacted them on many occasions and they are ignoring my requests. As far as I can say, I have fulfilled the terms of the agreement. They say that the person working the arrangements, XXXX, does n't work there anymore. How is that my fault if the employee handling the account is gone. This does n't speak were highly of a multimillion dollars corporation.In the meantime they are messing up my credit.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the account listed below in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of a data breach. Under these provisions, any account or inquiry resulting from unauthorized access or fraudulent activity must be blocked and deleted from my credit file. 
Please ensure that the following account is blocked and deleted from my credit report : ACCOUNT : XXXX XXXX XXXX - XXXX - XXXX - {$13000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The are reporting a collection account with Santander Consumer bank in the amount of {$19000.00} on my XXXX  and XXXX credit report. This is not my account. I have disputed this account several times with the credit bureaus and the creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit collection on my XXXX that is different from Transunion. One was taken off of my XXXX report but the same charge was on my Transunion and was not removed. I clearly saw that this was an incorrect charge or report on my credit card that might introduce more problems and they may have other incorrect credit reports to my credit as well. I have seen other companies sell credit collections that were owed to keep them going longer so it doesn't get removed under the time frame