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

On XX/XX/year> Axos Bank / UFBdirect.com had computer problems and I could not log into my account. I spoke with UFBdirect.com customer service representatives and they denied they were having computer problems and they could not help me log in. I called Axos Bank and they acknowledged there was a problem. The problem was fixed later in the day. 

On XX/XX/year> Axos and UFB has the same problem. Again UFB and Axos customer service reps were no help. I could not log into my account. I lost faith in the bank and wanted to wire {$260000.00} from them to another bank. I was told i needed to log in to wire funds or they would email me a form that I needed to sign and send the original to XXXX XXXX California. I am in New York so it was impossible to wire funds XX/XX/year>. 

I spent several hours calling and demanding yo speak with an officer of the bank. I was told officers of the bank would not speak to ne, an unimportant customer.Finally I received a call from XXXX a customer advocate, not an officer. After spending several hours he helped me log in and wire my funds.

This bank must always be an, e to wire customer funds without regard to computer problems or forms.
Product: Mortgage

On XX/XX/2019 I began the process of a mortgage loan refinance with Homebridge Financial Services , Inc. license # XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX, Wa XXXX My loan officer was XXXX XXXX XXXX NMLS # XXXX. 

The loan was scheduled to close on XX/XX/2019. 

Unfortunately, the loan did not close. Homebridge Financial and Mr. XXXX vanished on XX/XX/2019 leaving me wondering the status of my loan. I reached out to Mr. XXXX on XX/XX/2019 and requested a explanation. Surprising, I received a statement of credit denial stating my " original application was denied '' due to a credit inquiry on XX/XX/2019. 

I have a copy of a XXXX  credit report from XX/XX/2019 going back several years. The specific reasons Homebridge is stating they based their credit decision on simply does not exist. 

To put this in perspective I have spent 65 days providing documents, answering questions ( via phone, email and text ), meeting with a home appraiser to whom I paid {$870.00} and retrieving professional estimates for repair work ... ... all for a mortgage loan Homebridge Financial is now claiming never existed???????? 

I have in my possession the following documents that further prove the validity of this loan : 1.  Uniform Residential Loan Application with a " Welcome to Homebridge letter ''. XX/XX/2019 2.  Preliminary Commitment for Title Insurance requested by Homebridge Financial. XX/XX/2019 3.  Mortgage Loan Commitment from Homebridge Financial Services. XX/XX/2019 4. Receipt for appraisal services {$870.00} XX/XX/2019 5. A check for the refund of the appraisal service by the appraiser in the amount of {$870.00} with a " general release '' for keeping quiet regarding the fraudulent appraisal. 

6. 2 professional estimates for repair work. XX/XX/2019 7. Pre-closing disclosure documents signed on XX/XX/2019 8. 60 emails and 200 text messages regarding this loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that the Credit Bureaus are not blocking records when they are sent with a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Please remove these Fraudulent information from my Credit report : XXXX XXXX Balance Owed : {$6100.00} ; ACCT XXXX CRP XXXX Balance XXXX : {$650.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$250.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$900.00} XXXX XXXX XXXXL XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX BANK XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX ; and XXXX XXXX AV XXXX XXXXXXXX XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. ''
Product: Credit card or prepaid card

My minimum payment was due on XXXX/XXXX/XXXX. I made the minimum payment online on XXXX/XXXX/XXXX. Kohls states that even though I paid it on XXXX/XXXX/XXXX, they now have a policy where bills must be paid by a certain hour on the due date and charged me a late fee of {$37.00}. After contacting Kohls on XXXX/XXXX/XXXX to file a complaint, they removed the late fee charge. Now I get my next month statement and the minimum payment is {$38.00} more then what my minimum payment normally is. Per Kohls, it is because I made a late payment ( which I did n't ) so the next months minimum payment automatically is more. They never notified customers of this change and when I informed them of that, the response I received was " well we added it to the back of the statements. '' Considering along with most customers I do n't get paper statements in the mail anymore, how was I supposed to read that? They are refusing to decrease the minimum payment due back to where it should be. It appears that even though they say they removed a late fee, they are still getting it by upping ones minimum payment for the next month and if a payment is actually made late, they are double dipping in the late fees area by charging a late fee AND increasing only the next months minimum payment. If a person paid a bill late due to financial issues, increasing the next monthly payment is likely to incur another late fee and higher next payment. So basically Kohls is making money by charging these fees over and over. Disgusting and Unethical!
Product: Credit reporting or other personal consumer reports

My Information was compromised and exposed in the Equifax Data Breach. Exposing my name, SS #, D.O.B, Address, phone number, Credit information, Credit card Information ect.
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX told me I must close probate prior to sell of my fathers home. Again on 2 other occasions I was told I am 100 % ready to move to sell the home. I am now being told by the title company the probate must be re openned to sell. I traveled to Alaska to finish everything before close of probate to sell the house and lost my job.
Product: Debt collection

I was contacted by Central Portfolio Control at the phone number ( XXXX ) XXXX which when searched is the number for the XXXX XXXX XXXX XXXX XXXX to pay warrants and tickets at XXXX on XX/XX/2024. When I called the number back at XXXX on the same day, I was informed rudely that I was not correct and that was not the number. I work as a Police Officer for the XXXXXXXX XXXX XXXXXXXX and when I stated such, the operator hung up. I feel they were spoofing the number of the Municipal court in order to make whomever called feel pressure to pay them. This feels like a deceitful and dishonest practice.
Product: Credit reporting

TransUnion significantly change information in my credit report from XXXX XXXX, 2016 to XXXX XXXX, 2016, which also significantly dropped my credit score from XXXX to XXXX. I have attached my TransUnion Comparison Report for proof. 

I spoke with some women in XXXX, outsourcing is terrible, who was clueless in helping resolve the problem.
Product: Checking or savings account

TD account number : XXXX TD debit card number : XXXX I canceled my TD checking account. I used my debit card to return items at XXXX after the account was closed. I never received a check or refund for any of the following transactions and have contacted XXXX who tells me they successfully sent the money to the credit card. 

XX/XX/XXXX : XXXX refund ( XXXX XXXX XX/XX/XXXX : XXXX refund ( XXXX XXXX XX/XX/XXXX : XXXX refund ( XXXX XXXX XX/XX/XXXX : XXXX refund ( XXXX XXXX I called TD on the following two dates : XX/XX/XXXX ( XXXX customer service ) and XXXX ( XXXX supervisor timestamp XXXX XXXX  EST ) XXXX sent an email to the department that would handle closed account transactions to get information. When I called back XXXX told me the department claimed they never had any record of the 'transaction ' or of a store attempting to give me a credit. I never gave a specific transaction the first time. I was not allowed to contact the department directly or dispute the transaction ( I was told I could not dispute the transaction - not receiving credit- unless I had a complete record of when I purchased everything I returned - not just the information from the refund ). I was never given an option to escalate the inquiry or request an investigation. I was left with no options other than to just lose money. 

I checked with XXXX and they sent the refund over and from there everything is the responsibility of TD ( attached proof from XXXX ). The debit card accepted the transaction and did NOT decline it. I will to get a full refund of the amount TD owes me, as well as full records of my account in case there are other transactions I am unaware of since TD is refusing to give me records or let me speak to the proper department and is handling this inappropriately and irresponsibly.
Product: Credit card

XX/XX/year>, paid the last amount of {$24.00} or greater amount. I email, talk to customer services, and no one from Forever 21 will remove the charges of which I have a XXXX balance. I have been sending email to Forever 21 since XX/XX/year>. I have also text Forever 21. I am being charge each month, and totally ignore. I also request the account to be closed. Forever 21 continue to ignore my emails and request. I am being bully into paying a bill which is a XXXX balance. Forever 21 have no regards for past customers. Forever 21 refuse to listen to me. I believe my pass information have being stolen, and Forever 21 are not reporting of what has happen.
Product: Credit reporting or other personal consumer reports

Please conduct a thorough investigation to determine the origin and legitimacy of the unauthorized inquiry.
Product: Credit card or prepaid card

The XXXX and XXXX Credit Bureaus are reporting inaccurate information on CAPITAL ONE BANK USA N ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later i have not received a response yet. 
I feel like I am being taken advantage of and being ignored of my disputes. 
Section 611 ( a ) it is plainly stated that a failure to investigate these items with 30 days gives a reason to immediately remove those items from my credit report. 
it has been over 60 days so they should be deleted promptly. i demand these accounts be deleted immediately or i will file for litigation due to the stress you cause me. 
my information was also impacted by the Equifax data breach and may have got into the hands of the wrong person
Product: Money transfer, virtual currency, or money service

I have opened several fraud claims with wells fargo in regard to erroneous XXXX transfers that were not made by me. XXXX  XXXX dollars have been fraudulently removed from my wells fargo account. I have contacted wells fargo on NUMEROUS occasions. They stated they could not track where the money went being that XXXX is a 3rd party service, but I recently got a notice in the mail where they were able to track 1 of the claims. How is this possible when they could not track the other claims to verify which account they went into. Wells fargo is playing a game and stealing my money. Why can they not track all the other claims? They just pick one claim and now they can all of a sudden magically track where this one.went. Why can't they track the other claims? I ' ve been a wells fargo customer for over 15 years. I closed my account because of their horrible customer service and the unwillingness to due their due diligence and protect their customer. Please track all my other claims and you will see that this money that was stolen went to fraudulent accounts because the recipient did not receive the funds and I did not send the funds
Product: Credit card

On or around XX/XX/year>, Capital One closed my Quicksilver One Credit Card for " violation of the Cardholder Agreement '' except I had already reported to Capital One the card had been compromised essentially a week prior. Capital One was hesitant to give me an explanation and tried to avoid doing so altogether and even when I could get one out of them it didn't make any logical sense as to how could I violate something when I didn't even have the replacement credit card. 

The replacement card in fact showed up on the same day my credit report informed me that the account had been closed by Capital One. I am pursuing options available to me from the CFPB and then through Small Claims Court if necessary for this egregious affair that has had a negative and derogatory impact on m

y credit score for no reason directly related to me. In fact, I will go further to say I have a Fraud Alert on my credit reports because the Capital One Quicksilver One card somehow was compromis
ed. 

My ultimate goal is to reach an agreement with Capital One to get my account for Quicksilver One restored but barring that I will sue Capital One for {$25000.00} in damages or the estimated cost to repair my credit in the long term with {$25000.00} being the maximum amount for which the State of California allows Small Claims.
Product: Mortgage

I started a loan modification program with Well Fargo in XXXX 2016, I made the XXXX trial payments in XXXX, XXXX and XXXX of 2016. We are now into XXXX of 2016 and the plan is still in limbo, I have had nothing but difficulty in getting this resolved with Well Fargo, as I have made over XXXX phone calls and ca n't get no-where. I have had XXXX different people assigned to work with me by Wells, the last XXXX named XXXX XXXX, has been extremely difficult to work with. I recently asked to speak to the manager of his department, I left a message for her, but have never received a return call. When I do get a live person in their modification Department, they always look at my account, they say everything looks good, so they place me on hold, so they can contact the title department, once they come back they always say, the title department says all is good and will be mailing out your paperwork to sign. Unfortunately, this paperwork never comes. Recently, I received a phone call from XXXX XXXX, he left a message saying that I would now need to file an appeal since the time frame for completing the paperwork had lapsed. 
This was the last draw, I have sent them everything XXXX to XXXX times, so they are going to punish me for their incompetence? I have more then jumped through hoops for these people, I have not missed a payment, but they seem to move the finish line each time. I can never get a straight answer from them, it 's just maddening.
Product: Checking or savings account

I receive solicitation to open up a Heloc at least once a month from Citizens Bank for over 2 years. This letter contains a code to open up the account. 

I have called, written and begged Citizens Bank to stop soliciting mail offers to me, in other words, take me off the do not solicit list. Whoever I speak to promises that I have been put on the list not to solicit, but I still keep on getting the solicitation letters for Heloc. 

My last request was to XXXX at the XXXX XXXX XXXX XXXX in XXXX, 2023. 

I feel that my request to take me off the solicit list is totally being ignored, which from what I understand, is against the law. My request should be granted. 

I am hoping you can get Citizens Bank to stop soliciting to me and they follow through.
Product: Student loan

I have a Wells Fargo student loan that went into collections years ago. I have been on a payment plan with them for several years now paying {$350.00} a month. The statements I receive just state thank you for scheduling your payment in advance and when it will be withdrawn -- with no balance etc. The last payment was made on XXXX XXXX and paid the loan in full. I have spoken several times with Wells at XXXX who verify the debt has been paid off..I have asked for a letter they said it could take several months and they are waiting on an attorney. I never received a letter that it was paid off -- I happened to call to see what the balance was ... I called the attorneys office at XXXX and they said they have no instructions on this and referred me back to Wells Fargo. I feel like I am getting the run around and if the debt is paid in full I would like that represented on my credit report. I tried disputing through all XXXX bureaus and it is still registering a XXXX balance and still in charge off status. When I called to ask why Wells is saying until they get paperwork from attorney ( which I have mentioned knows noting about this ) they can not show a XXXX balance..If it is paid in full in XX/XX/XXXX why cant I get this updated now?
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised by a TransUnion and XXXX rep to fill out this report because of unauthorized inquiries in my report, please remove all these Fraudulent Unauthorized inquiries on my report. Then copy all the inquiries. 

Please remove all the fraudulent unauthorized inquiries on my report. Thank you for your help, this is hurting my credit and reporting false information to future creditors. XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, CERTIFIED CREDIT REPOR XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

On XX/XX/2023, I connected with a person on XXXX XXXX ( of which we have mutual friends ) that posted that they were selling XXXX XXXX tickets for the night of XX/XX/XXXX. The tickets were agreed upon at {$270.00} a piece and were to be transferred via XXXX from one account to mine with associated email and phone number. On XX/XX/XXXX and XX/XX/XXXX, in installments, I sent a total of {$720.00} to two XXXX accounts, as indicated by the person I was in contact with. The person indicated they had sent me the tickets, but I never received them. The person indicated they would contact customer service to resolve the issue. After not responding in XXXX for a whole day, on XX/XX/XXXX, the person confirmed my phone number and email and then blocked me on XXXX. On XX/XX/XXXX, I reported the accounts as a scam to XXXX. XXXX indicated they would not be able to return the funds. I requested the funds back from the person 's account through XXXX, but the requests were denied. I filed a debit dispute with Citizens Bank on XX/XX/XXXX. I provided the information I was asked for over the phone. On XX/XX/XXXX, I received a notice in the mail from Citizens asking for more information and any evidential documentation. I emailed these items to Citizens debit disputes that same day. Dated XX/XX/XXXX and received on XX/XX/XXXX, Citizens Bank reported that they have closed the investigation, as no error occurred and I should try to resolve the issue with the person. I had tried to do so prior to contacting Citizens. An error has occurred, as I did not receive the goods as promised, the person has declined my requests and has blocked my ability to further contact them.
Product: Checking or savings account

BANK CLOSED MY ACCOUNT AFTER 9 YEARS WITHOUT EXPLANATION AND WOULD NOT GIVE ME ANY INFORMATION AS TO WHY. I HAD A PREVIOUS SECURITY FREEZE ON MY ACCOUNT WITH XXXX XXXX THAT WAS PLACED BY MISTAKE ON MY END AND REMOVED THIS ACCORDINGLY SO POSSIBLY COULD BE THE REASON FOR CLOSURE BUT DOES NOT MAKE SENSE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under FCRA section 605 ( C ) Running of the reporting period, Creditors, Collection agencies and Bureaus, if they try and RE-AGE your account, by updating the date of last activity on your credit report in hopes of keeping negative information on your account longer, they can be fined {$1000.00} for EACH account. On a collection account the date of last activity should reflect the last date a payment was made to that company, it is also a violation to reporting inaccurate information. 

XXXX, XXXX and EQ has RE-AGED the alleged accounts on my credit and refuse to correct the issues. Enclosed you will find, copies of my credit report, copies of the letters i sent,
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against the XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) for negatively reporting a debt on my credit report without my knowledge. Despite multiple attempts to contact the company, I have received no response. 

Upon discovering the debt, I have found several inaccuracies in the reporting. The Date Last Active, Date Reported, and Account Status are all incorrect, impacting my mental health, credit-building efforts, and credit applications. 

I have diligently followed the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in addressing this matter with the company to no avail. The situation is now severely affecting my financial well-being, and I am compelled to seek resolution through legal avenues. 

I kindly request your immediate intervention to rectify this matter and ensure the removal of the inaccurate debt from my credit report. Your assistance is crucial in restoring fairness and accuracy in accordance with the FCRA. 

Thank you for your prompt attention to this matter.