23daVinci/CFPB_Complaints huggingface dataset:
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 to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I filed disputes with experian for multiple accounts that came back verified but was not given any proof or reasoning. I seen they are now being sued for not properly investigating disputes and I feel I have been affected by that. These are the accounts I want removed that I disputed from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

There was a fraud charge in the amount of about {$14.00} by a company named " XXXX '', most probably an affiliate of this credit card company, whom I had never heard of, sometime in XXXX, XXXX and XXXX 2020. As the result of this fraud charge sometimes the bill amounted to over {$100.00} due to late and finance fees. However, after contacting the credit card company, named HSBC, the fraud dept. confirmed the fraud and I was reimbursed with the finance fees and late fees at sometime. Unfortunately the next statement there were still some late fees and finance charges were on the statements. However, since 5 months ago I have talked to 7 different people in the fraud departments and customer services and they all have promised to bring the balance to XXXX but they just refund some late fees and finance charges but the balance never goes to XXXX. I have spent hours of talking to representatives of this company located in XXXX and XXXX named XXXX, XXXX, XXXX, and XXXX without success despite of their promise that they would bring the balance to XXXX. Please help as I have never had such a terrible experience. Thank you
Product: Mortgage

I was instructed by XXXX XXXXXXXX to file a complaint with CFPB to assist me with my issue. 

In XXXX, PHH contacted me to inform me of a missed mortgage payment. When I asked for which month, the representative told me they did not have a date and that I needed to provide proof of all payments for the year. I contacted my bank and provided proof of payments for the year. Despite my calls for resolution I was told it was being researched/ reviewed. Months later I never received a formal response and they began reporting me as a month delinquent. This has prevented me from refinancing my mortgage and taking advantage of XXXX because they have continued to report me as delinquent without providing a date for over a decade. I am asking to have this matter resolved because according to PHH my loan has matured and I am responsible for paying off my mortgage this month ( XX/XX/XXXX ). Im prepared to pay off my mortgage as soon as they provide proof of the mortgage and the pay-off amount, which I have requested but have not received. I refuse to pay any late fees or an additional mortgage payment because I do not owe one. This mortgage company has exhibited a pattern of underhanded dealings throughput my mortgage. In XXXX, they attempted to foreclose on my XXXX mortgage claiming I had not made adequate payments due to a lack of homeowners insurance. I contacted the XXXX XXXX and proved that I was not in default due to a lack of homeowners insurance. In fact, for 3 months I had XXXX active policies. In the process I also uncovered that they were illegally increasing my mortgage by over $ XXXX and they could not explain the charges. So not only were they charging me and exaggerated amount for homeowners insurance I did not need but using a made up added monthly charge of over $ XXXX to force me into foreclosure. They acknowledged the error in charging me for unnecessary insurance but never explained the additional amount added to my mortgage, which I deem to be fraud. The XXXX XXXX did not take any action against them and they still keep part of my mortgage payment in suspension for years and reported me as delinquent until I repeated requested that the matter be addressed. In XXXX, XXXX XXXX did not advise mr to reach out to CFPB which could have been a tremendous help then but Im glad I was advised to do it now. 

In closing, Im asking the CPFB to assist me in getting this matter resolved and in the event fraudulent activity is taking place by PHH that the appropriate action is taken to prevent this behavior from affecting other hardworking borrowers.
Product: Credit reporting or other personal consumer reports

I looked at my TransUnion, XXXX and XXXX credit report on XX/XX/year> and notice some things that are incomplete and not accurate. First thing first the account in question is with XXXX XXXX XXXX  the account number on TransUnion is XXXX, the account number on XXXX is XXXX and XXXX is XXXX. As you can see the account numbers are not the same on all three of the credit reports. Another inaccuracy on this XXXX XXXX XXXX notice is the fact that the credit limit on TransUnion is XXXX but the credit limit on XXXX and XXXX is {$500.00} dollars. This does not match up on all three reports .Another inaccuracy is the fact that the date of last activity for the XXXX XXXX XXXX account does not match up on all three accounts. The date of last activity on TransUnion is XX/XX/year>, on XXXX is XX/XX/year> and on XXXX its XX/XX/year>. All three dont match another violation. according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 [ e ] [ b ]. And according to 15 USC 1681i5 they are suppose to do this [ 5 ] Treatment of inaccurate or unverifiable information [ A ] in general, after any reinvestigation under paragraph [ 1 ] of any information disputed.
Product: Credit card or prepaid card

Hi, On XX/XX/2022 I noticed a money transfer from my Bank of America credit card to XXXX XXXX. The amount is {$28000.00} and was not initiated by me. After this observation I have reached out to Bank of America after what felt like an endless waiting I could talk to a representative. I filed a complaint and received the complaint ID XXXX. I received very little insight on what has happened and there was a lot of focus on sending me new credit cards but I truly only care right now to receive my money back. They told me that they are investigating and will try to get my money back. The investigation may take 60 days.I can not see to which XXXX XXXX account the money from my credit card was transferred to. 
The week before I noticed that somebody has accessed my online account and I immediately changed my password and changed the login such that every login even from my usual device will require a 2-factor authentication. Before only money transfers required a 2-factor authentication. I also reached out to Bank of America where it was very hard to be able to talk somebody. After finally talking to a representative she checked and said everything is fine now. 
This is a very troubling experience and I feel I have no true control over my credit card. After further reading about it in the internet it seems as somebody initiated a " cash advance '' from my credit card but I have no idea how this could be achieved without my approval.
Product: Mortgage

I lost my job during the pandemic in addition to my husband leaving and eventually a divorce. I had a true financial hardship, this all started pre-pandemic in XXXX. 

As the pandemic hit and courts being closed and bank representatives not available as during pre-covid times. I was continued to be told the same thing by the bank representatives, that I need not worry and that at the moment the foreclosure would not be an issue and that once things normalized I would be given the opportunity to have the matter resolved. 

At some point I believe in XXXX the foreclosure was filed. I have tried endlessly to come to a resolution with the bank XXXX  to no avail. Now I heading toward my final court hearing/conference on XX/XX/XXXX and despite my multiple requests for resolution, everything from a modification to a proper breakdown to understand how we got to these figures. I was even granted a XXXX state XXXX to bring my loan current and since there is still a shortage of approx. XXXX, they aren't willing to work with me. 

I really need help in saving my home. I have been in this home for about XXXX now or somewhere abouts. I am back to work and can afford my mortgage, I see no reason for the bank to not want to come to an agreement with me. 

Please help!! 

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

XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX # XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights 15 u.s.c 1681 section 602 a states i have the right to privacy 15 u.s .c 1681 section 604 a section 2 : it also states that a consumer reporting agency can not furmish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

The month stated that I was late is not true. I paid the account on time until I was able to fully paid them. It is not closed/late. I pay my accounts on a monthly basis. What they report is completely INACCURATE, INCOMPLETE AND UNVERIFIABLE. Not only Credit Bureaus violated federal law by not properly investigating within the required time frame, including Negligent Enablement of Identity Fraud.. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( reported twice on XXXX credit report )
Product: Credit card or prepaid card

I changed my name, decreed by the XXXXXXXX XXXX family and probate court XX/XX/2022. 
\ I have since contacted Wells Fargo on no fewer than four dates from XX/XX/2022 to XX/XX/2022 about updating my name. Ultimately, my name on my credit card has been updated, but my online account and credit report still report to the former name. 
\ Wells Fargo initially insisted I must go to a branch in person to perform this action. Then they changed their mind and promised a mailed form, which I was to fill out and mail back to them. After a month it hadn't shown up. I called them back and they said wait for it to show up, they had definitely absolutely shipped it for real. It took another phone call to request another copy be mailed before it actually showed up ( still >1 week later ). 
\ After that it took them about a month to process my credit card file update. I might have had to reach out to them for a new credit card, I can't recall. 
\ To date they have still failed to update my online profile. I called them today to update this, and they again insisted I go into a branch. There aren't any branches in my state. 
\ I am calling them once more on Monday, and if they don't present a pathway to actually solving the problem I plan to close my account after balances are settled. 
\ There is no online contact for customer support on their website. There is no email address. This could have been an email process, and everyone would have spent far less time and resources on this.
Product: Credit card or prepaid card

Website has been down and my card is being declined ( my credit score is XXXX ) no one knows nothing, erroneous info provided, no end in site, is this a breach?? Started XXXX that i know of. Calls to customer care no loner answered. Am furious... thus is A BANK!!!
Product: Checking or savings account

Bank of America previously instructed me that I would not be able to close my account over the phone and would need to appear in person or send a written letter to do so. I sent a letter to close my accounts ( checking and savings ) in XXXX ( Around XX/XX/2018 ) and moved all money from my account. I later discovered that the account was charged a service fee which resulted in a transfer from my credit card ( an apparent overdraft protection I didn't realize was in place ). Assuming it would take some time for the letter to be received and closure processed, I went ahead and paid the fee and paid the balance that appeared on the credit card because of the overdraft protection and sent another letter letting them know that the fees should be returned to me and added ( CC 'd ) a copy of the original letter. This occurred approximately 3 weeks after the original letter was sent, I honestly feel it should not have taken that long to close the account. 

Because of work, travel and some family stuff, I didn't get around to checking on my account ( with two letters, I was sure I'd done what I needed to do ). In the meantime, I was charged some minimum interest charge on my credit card, a charge I was not aware of because I didn't use the card for cash advances ( which is seems this unwanted overdraft service was considered ). I wasn't aware of the charge, it appeared about 5 days after I paid the account. 

I was told by the credit card team that I would need to contact the banking side and find out what happened. They also informed me that if the banking side closed the accounts/refunded the fees and determined it was their mistake, that they would go ahead and resolve everything with my credit card ( late fees and a 30-day late payment report to the credit bureaus ). I went through this whole process with the banking ( checking/savings ) side and they agreed it wasn't my mistake and closed the accounts, refunding all fees. They said as much to the credit card side, but that side didn't do as promised. 

My account should have been closed when I requested it. I should never have been charged any fees and my credit card should not have been charged the overdraft protection. There should also have never been a late payment notification on my credit report ( there are no others, my credit report has no other negative information ). Further, the late payment amount was reported incorrectly as {$26.00} when it was only ever the {$1.00}, though I believe this is something that I'll need to work through a different organization with. 

Bank of America has gone back and forth telling me they would fix it and that they wouldn't. I'd planned on applying for a home loan this week, but I need this resolved first.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actiobs may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I have Marked as inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

on XX/XX/XXXX I attempted to make a deposit of {$800.00} at the Wells Fargo location at XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. 

The ATM machine jammed while trying to make the deposit. I was never giving any type of receipt of any kind from the machine for proof of my deposit, other than a number. 

So I called and informed Wells Fargo of the issue. While speaking with them they told me it happens all the time and that my account should be credited next business day. They informed me that if I put in a claim it could take 10 business days to handle this vs just allowing it to be handled when the ATM is repaired. 

XX/XX/XXXX - Call into ATM Service center- informed that i shouldnt need to do anything and should receive funds back to my account. no claim was made The money never deposited and I called back in to create a claim on XX/XX/XXXX - Claim Opened # XXXX XXXX - Provisional Credit of {$800.00} added to XXXX XXXX Account XXXX - Claim denied # XXXX Claim Closed Reason : Our ATM Claims Department researched this matter and they found while a jam occurred with the ATM, no cash was found in the ATM, and the ATM was in balance. As such, the temporary credit was reversed from your account and the claim was closed. 

XX/XX/XXXX - Reversal applied to my account - {$800.00} In result I was charged for overdraft fees in the amount of {$72.00} XX/XX/XXXX - Expedited Claim open Went in branch to re-open clam Spoke to XXXX XXXX XXXX XXXX XXXX XXXX Case Number : XXXX XXXX - Clam Closed Case Number : XXXX Reason was the same when I received the information as to why the claim was denied. 

XX/XX/XXXX - Claim reopened with XXXX XXXX XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your help to REMOVE some accounts from my credit file that occurred because of a FRAUD yet I have certain accounts passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my objective and they are eager to consider you responsible for your negligence. XXXX XXXX Balance Owed : {$8900.00} XXXX XXXX Balance Owed : {$12000.00} XXXX  XXXX XXXX Balance Owed : {$2700.00}
Product: Debt collection

TO : Whom it May Concern RE : Fraudulent Misconduct by Collections Company XXXX XXXX XXXX XXXX Case # XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX, MI XXXX XXXX ( XXXX ) XXXX ( XXXX ) On XX/XX/XXXX I received a letter from the Michigan Department of Treasury informing me that my State of Michigan tax refund is being garnished. This comes as a complete surprise to me since I was not aware of any legal action against me regarding this issue. Nor was I served either by mail or in person, I believe that to get this far in the legal process it takes 4 or 5 different filings with the court. At least 2 of these should be served in person on myself! None of this has occurred! How does the legal system allow this to happen? According to the letter from the Treasury department, the filings occurred in XXXX County XXXX District Court. I have not resided in XXXX County since XX/XX/XXXX. 
In XX/XX/XXXX I placed a Change of Address with the USPS along with signing up for the USPS Informed Delivery, which emails me a photo of the front of all mail being sent to me. This email arrives about 2 to 3 days prior to actual delivery. From XX/XX/XXXX to Present, I have not been sent anything from either the XXXX County Courts or from the law firm of XXXX XXXX XXXX XXXX, XXXX. XXXX  XXXX, XXXX, MI XXXX ( XXXX ). 
My Complaint is this, Who, When and Where signed for the Proof of Service or where, if any, did the mail go? According to the USPS ALL First Class mail IS forwarded to the new address. None of this happened! Who Forged the Proof of Service? Where was the mail sent, not to me! Why was it filed in the wrong County Court system? When there was more then enough time to file, serve and process the complaint in the Courts where I live? Its harassing enough to deal with Collection Companies, but how can they get away with the Fraud and Misconduct ( illegal nature ) of not following the rules! Its a shame that Collection Companies can get away with doing business this way. 
Being basically XXXX and XXXX, on a limited XXXX income ( normally exempt from creditors, though not a tax refund based on that exempt income! doesnt make sense. ) it is financially difficult enough to make do. Let alone when the system allows this too happen, the Fraudulent Misconduct by NOT properly serving and informing me of the situation. How many other people have also had this done to them by this company?
Product: Credit reporting, credit repair services, or other personal consumer reports

I had submitted a complaint about XXXX XXXX XXXX XXXX about a month ago in regards to them listing a loan that is showing as a charge off on my credit reports. I've had multiple loans with them that have all been paid in full and never late. Approx 6 loans. Those loans were reporting current paid in full. There was 1 that was reporting as bad. ( which is incorrect ) all loans have been paid in full and this is also going back to 2012. Today I was notified they removed 4 closed paid loans off my credit reports which caused my credit score to drop. I did not ask them to remove positive information that keeps my credit score in good standing. I had complained that this old loan which is over 7 years old be removed off my report as the information is outdated aside from that all the loans have been paid in full and satisfied. I don't know why they removed 4 loans off my credit reports.
Product: Credit reporting or other personal consumer reports

I disputed a collections from XXXX XXXX XXXX of {$500.00} for cable equipment I've already sent back and it is still not resolved.
Product: Credit card

I filed bankruptcy on a secured credit card from US Bank due to my lawyers advice. US Bank sent me a check for my down payment of XXXX dollars minus the balance on the account. I believe the price I just recently received a check for was about XXXX dollars. The only problem is was this account was paid in full be me and there was no balance on this account. I had lost the card before I filed bankruptcy and I did not notice until now because I know I did n't need that credit card anymore. Long story short US Bank still owes me around XXXX dollars because the balance on the account was made by fraud transactions. The fraud happened around XX/XX/2016 right before I filed bankruptcy. The balance on the account should be XXXX so I should be given the remaining balance. I called and talked to XXXX different people and no one from that company knows how to take a fraud claim on an account that was claimed in a bankruptcy. I am not disputing the account as it was mine, but the fraud transactions that made up a balance is fraud. They ca n't even tell me what transactions came through that made the balance that high. Please help. I feel that they are discriminating against me because I filled bankruptcy and no one wants to help me.