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

1. A series of unauthorized transfers totalling XXXX were realized without my knowledge from my checking account at Wells Fargo, most of them between the XXXX XXXX and XXXX XX/XX/2022. The complaint numbers are Claim # XXXX and Claim # XXXX. 
2. I reported these transactions to WF around XX/XX/XXXX by phone. 
3. WF claims that the transactions were done " by you or someone who had your authoritiy '' which is completely false and baseless. See Attachment 1. 
4. I replied to WF with a clear identification of all fraudulent transactions ( with print out ). I also went to the police to file a complaint. See Attachment 2 for the letter, which very clearly explained what happened, Attachment 3 for the USPS receipt that WF got the letter. Attachment 4 for the police complaint and Att. 5 for the list of transactions. 
5. WF did not answer this letter.

6. I called WF on XXXX XXXX, and without any additional explanation, WF refused to reimburse the amounts, despite the provisions of the Fair Credit Billing Act and the Electronic Fund Transfer Act, which WF clearly violates. 
7. I am a XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the amount stolen represent the entire savings of my first year of work. I live with my parents in XXXXXXXX XXXX
Product: Checking or savings account

In XX/XX/XXXX I opened both a simple checking and savings account with Navy Federal Credit Union. As advised by the manager that assisted with the account, i made the required deposit. Less than XXXX  hours after the account was created, Navy Federal closed the checking account without notification or explanation. When i had called to find out why, the representative could not provide an explanation. Later, when I tried to pull money out of the savings account that for some reason was still active, ATM services to do this were deactivated. When I called to ask why, the representative told me I could only utilize services for the savings account within branch locations or I could request a cashiers check. She also did some digging to find that the reason my new checking account was closed was because I have recieved a LIFETIME BAN from checking service for the remaining balance on a loan in XXXX when i was a young XXXX. She explained that any loss to Navy Fed constitutes an indefinite ban with no resolution pathway. This is contradictory because I had filed a previous complaint agianst Navy Fed in which I was receiving calls threatening legal action for the exact account the representative was referencing. In that case, Navy Fed did contact me to assure me that it was not them calling me and that the accounts were not being persued in any way and that there shouldn't be any issue with rejoining Navy Fed in the future. I have a professional relationship with Navy Fed as I work along side thier military account joins for XXXX recruits netting them millions of dollars per year. I do feel that there is something going on where I am being unnecessarily targeted for denile of all Navy Federal services except the in branch only utilization of a savings account. I was not notified of the account closure, there were no issues or flags during the account setup and the reason for closure was kept from me until I started askiing about closing the savings account and lifetime bans are apparently policy for any type of loss even if the loss was decades ago.
Product: Checking or savings account

To Whom It XXXX Concern, In retaliation against me and my business by JP Morgan Chase XXXX, my online profile was locked out preventing me from accessing funds and statements ( XXXX ). Despite numerous attempts on the phone, email and in person they would not unlock the accounts so I could access the funds, statements, points, etc. 

At the request from from JP Morgan Chase XXXX, I was instructed to go into the branch to access the funds and statements. I visited the XXXX, MI branch on XX/XX/XXXX and worked with the branch manager XXXX XXXX. She also refused to restore access and also refused to print all my statements so I can reconcile the account.
Product: Credit card

Bank of America has a systemic problems when it comes to : 1 ) Determining if a charge is legitimate or not 2 ) Reporting suspected fraudulent charges. 

BofA has the resource to work with vendors to present the familiar vendor that the customer engage with rather than the upstream or downstream entity that recieves the funds. Likewise, when a charge is challenged, the customer should receive a detail of what was provided rather than the " we have determined this is a valid charge '' that BofA has sent me in the past. 

The cost to reporting fraud is issuance of a new card and time and tribulation it entails. It also is almost impossible to do. 

I tried to report it to BoA today XX/XX/23 and wasted 20 minutes listening to BOA phone prompts only to be DISCONNECTED. Among the inane messages I had to listen to before being switched to the fraud line : Your card balance is. 
Your available credit is... 
Did you know you can transfer your other balances.. No, I do NOT want to pay an additional 4 % to transfer a balance. 
We are experiencing higher than normal call volume No, you are NOT. That is the normal volume because I get the same message every time. 
All associates are helping other customers Your vendor name may not be the same as the business charging you. Check the date for what you might have purchased. As a retired CPA I track EVERYTHING but most don't have my experience nor time to figure this out. 

I suspect my charge of {$22.00} to XXXX XXXX was fraudulent because a web search revealed many others with the same issues. Most will not pursue this but if 10,000 do not pursue it, Bank of America has just made over {$8800.00} in fees on fraudulent charges that customers don't have the time to deal with.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name XXXX XXXX. I did not authorize these accounts. These accounts are fraud.
Product: Credit card

There are XXXX credit cards with Chase, obtained for airline miles. We typically use a single check to pay off the XXXX credit card balances, including the deposit tear-off sheet in the credit card balance. for some reason, XXXX account received all the credit, leaving the other XXXX with balances. Three written requests were made to Chase to transfer the surplus money in XXXX account to pay for the charges in another. On XX/XX/2017 we were sent a letter. By the time we received the letter, on XX/XX/2017, Chase was threatening to close the account.
Product: Student loan

I sign up for a program with XXXX  that I pay using my Security credit Card from TFC. I never receive anything in exchange for my security exchange in their program. Instead, I was kicked out of the program for nonpayment. This is Securities Fraud. My credit card was used to pay the program in full for tuition and I am to pay back TFC for what XXXX received as Payment. I did not receive anything, Infact, I was kicked out of the program for nonpayment. 
I signed up for the XXXX XX/XX/year>, and was kicked out of the program for nonpayment XX/XX/year>. I believe my social security was used as payment for this transaction. This is the highest level of securities fraud. If there is any contract signed with not much clarity, I would choose to recission such contractual agreement.
Product: Mortgage

I've had my current mortgage since XXXX. It's been sold a few times. 
It was bough earlier this year by Newrez. I received a letter dated XX/XX/XXXX that they didn't have documentation that I had required XXXX hazard insurance and they would be buying an expensive version of this insurance " for me ''. I called XXXX XXXX who confirmed that I did have this insurance with them ( I've had it for many years ) and that they had already informed Newrez when they bought my mortgage. They already had the info on file that Newrez had bought my mortgage. They uploaded the info *again* to Newrez while I was on the phone with them ( on XX/XX/XXXX ) and said it should all be good. 

I called Newrez back on XX/XX/XXXX with this info and the details of my insurance. They claimed they did not have this info and I emailed them photos of my XXXX XXXX insurance *again myself*. The Newrez agent confirmed that she received these documents and uploaded them to my account and all should be good and that NewREz would cancel their plans to buy me expensive XXXX insurance and that I'd get a letter to that effect. 

Instead, on XX/XX/XXXX I received a letter ( dated XX/XX/XXXX ) that was a " Second and final notice '' that i didn't have this HOA insurance and they planned to buy it for me at the ridiculous cost of $ XXXX ( my current insurance with XXXX XXXX is under XXXX XXXX  ). 

I now need to call NewRez a second time ( their hold time is long of course ) to fix this. Can your group be of assistance to assure this is fixed? Can NewRez be fined if this is a common practice of theirs? It smells like a scam to me to sell overpriced insurance to low-information homeowners. Thank you.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : Personal Information Name : XXXX XXXX Previous Address : XXXX XXXX XXXX  XXXX XXXX, CA XXXX Previous Address : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX {$2400.00} XXXX  XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX {$1900.00} XXXX  ( Original Creditor : XXXX XXXX  ) XXXX XX/XX/XXXX {$2100.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$2100.00} Late Payment XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Inquiries XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX  XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX Experian
Product: Credit reporting, credit repair services, or other personal consumer reports

My information on my TransUnion credit report is not accurate.     It shows that I paid late on my mortgage with  XXXX   XXXX  multiple times.  XXXX   XXXX  was the servicer during that time.  XXXX   XXXX  began servicing the mortgage on  XXXX     2015. Ther e are multiple  30, 60, 90 and  120 day lates on my credit from before  XXXX   XXXX  began servicing my mortgage.     These should not be on my credit. Please verify the date  XXXX   XXXX  became the servicer and if any payments after they began servicing were late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the inaccurate information on my credit report related to an account with XXXX, account number XXXX. According to the information provided by your agency, the account has been charged off and sent to collections, and also shows as 120 days past due. However, this information is inaccurate. 

As per the Fair Credit Reporting Act, Section 607 ( b ), credit reporting agencies are required to provide accurate and complete information in credit reports. Inaccurate information on my credit report has negatively impacted my ability to obtain credit and loans, as well as other basic necessities. 

Furthermore, 15 U.S. Code 1681s2 requires furnishers of information to provide accurate information to consumer reporting agencies. Reporting a charge off and collection account for an amount that has been claimed as income on my taxes is a violation of this law. 

Therefore, I am requesting that you investigate and correct the inaccurate information on my credit report regarding the XXXX account in question. I also request that you provide me with an updated credit report reflecting the removal of this account within 30 days. 

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit card or prepaid card

On XX/XX/2017 it was reported that someone opened up an XXXX XXXX XXXX XXXX and was approved for XXXX without my knowledge. The company reach out to me about missed payment up to {$900.00}.
Product: Credit reporting or other personal consumer reports

Hi, Equifax is reporting incorrectly, the acct. from XXXX XXXX acct. **** **** XXXX. It says in the comments, paid as agreed, & it's in good standing & open, how ever, their system is reporting it as closed & my score dropped 9 points! This is a huge deal for me because I am working hard on my credit the last few years to buy my 1st home & earlier this year I was in a car accident, ( not my fault ) & my car was totaled & now I need a new car too. So building my credit is essential & I was close to my goals. Then this error of reporting from Equifax made my score go down & it's devastating, when I need it to go up 9 points, not down! Equifax can see I recently been paying down my balances & only negative I have on my credit report is my balances are high & that is due to XXXX & then the car accident, being out of work for XXXX. I talked to XXXX XXXX & the account should be reporting open with restriction because of the hardship program ( which is over now ) ( not closed ) & also should say paid as agreed. The note even Equifax has online, says account is now reported paid as agreed & open but its was never late or closed, their computerized A.I system registered the data & info as a closed account & that makes my credit drop! AGAIN THIS IS NOT ACCURATE! I don't know if it was an error on XXXX XXXX end but when I talk to them they said it shouldn't be reported as closed. 
I appreciate if Equifax can give detail info. in the future when changes are made, scores up or down, details on why! I was paying for a membership & was planning on upgrading but I will not now because Equifax is failing to provide the services I deserve. There is NO way my score should of dropped & I appreciate if they update this account as open & paid as agreed & give me my XXXX points back. THANK YOU!
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

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 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 XXXXXX/XX/2023 According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXXXXXX XXXX XXXX XXXX  XXXX Balance Owed : {$16000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

Round Point Mortgage XXXX NC XXXX I have mortgage with them escrow account also. 
My Flood insurance was not sent to the right address for XXXX in XXXX, the check they made out was the incorrect amount also and it is lost and they have not corrected issue and put money BACK in my escrow account I made the payment to fema and have doc. to prove which was faxed to them by fema. amount owed to my escrow account is XXXX the check they made is # XXXX. 
My homeowners was sent to the wrong address also and it still has not been received to XXXX XXXX amount XXXX. from my escrow acct. 
I am going to XXXX XXXX today to pay XXXX so it is not cancelled. 
I have called Round Point customer service almost daily to get resolved they have not as of today fixed this issue. I would like to get answers on this. I am refi-ing to get away from them and do not want to lose over 1500. in escrow due to their negligent behavior thank you XXXX XXXX
Product: Student loan

I have received calls since XXXX 2025 - multiple times a day from Mohela telling me my loan payment is overdue. The number comes from a XXXX area code, which isn't listed on the Mohela website, so I will not give them payment information when they call. They've now called from XXXX different phone numbers, all with a XXXX area code. I logged into my Mohela account online to make a payment and it states my loan is no longer with them. I logged onto XXXX and their site confirmed I have no loans with Mohela. I've called Mohela multiple times from the phone number on their website and have been told each time that I have no loan with them and it was transferred to another provider. Yet, I've received XXXX calls today plus an email telling me I now owe last month and this month 's payment. I have no problem making the payment from a financial aspect, but I keep getting harassed for a payment that Mohela says they don't even have my loan account for. They've also called my family harassing them for my payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union has always reported me as a credit risk. Regardless of how well I pay my bills or pay off my bills my scores with this company continue to be in the fair zone, costing me higher than normal interest rates. I attempted to address this matter with them but I was unable to get pass their automated system, there were no prompts that allow for a live operator or an email response. It almost seems when I report a problem to an attorney, government agency, etc, Transunion retaliates by lowering my score or adding old information to my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter asking Experian, XXXX, and XXXX to investigate my accounts. Here is my case # : XXXX. It has been over 30 days. These consumer reporting agencies are in violation. 

According to 15 USC 1681i - Experian, XXXX, and XXXX have 30 days to investigate and send me the results. 

And They also didnt even record the current status of the disputed information which is another violation. 

I have all the evidence attach below.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom it may concern, I am not an attorney or a Third party, I am having a issue with some one using my person information to collection insurance benefits and ordering utilities in my name. I have a common name XXXX XXXX and I believe my name is either being confused/used as someone else. 

The following addresses do not belong to me Please delete them at once : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX My current and only address is XXXX XXXX XXXX XXXX XXXX. Please remove any other address they do not belong to me. 
I found numbers that do not belong to me as well please delete they are not accurate ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Product: Checking or savings account

I downloaded XXXX XXXX published Intructions to Transfer Money to Your XXXX Account and followed these instructions word for word. 
Nowhere in XXXX 's instructions does it specify the TYPE of account required as the Receiving account for an International Wire transfer. 
I had {$1800.00} wired per instructions and it was not received. Only after calling XXXX did I learn that XXXX XXXX checking accounts do NOT accept international wires. 

How doe XXXX XXXX publish misleading information and continue to be a successful fiduciary?
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/XXXX, to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Kindly update the following items right away : 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 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 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 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