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

So in XXXX Wells fargo closed my account held my va deposit for more then 10 days with no explanation for why. I had to physically go to the bank everyday and call a number the bank manager dialed for me to find out what was happening they were rude and hung up or told me nothing for 2 weeks straight. I only ended up getting XXXX in micro payments but my direct deposit was for XXXX. After that forward XXXX irs said my tax payments stimulus child tax credits were being sent to a Wells fargo account I no longer used Wells fargo but I went in to the branch and had them search for any open accounts with my name or XXXX name they said I had none ok so XXXX I had a XXXX dollar cd reaching 10yr I deposited in XXXX they could not find. Then this week I receive a cashiers check for a dispute with them unknown time and or what for when calling them to ask about it the check is for XXXX dollar only for my unavailable funds at the time of dispute. It says to deposit it at a atm but that would need an open account I still have the check becuase it doesn't reflect the correct adjustments.
Product: Debt collection

The HEREIN MENTIONED ORIGINAL CREDITORS, DATA FURNISHER AND OR FINANCIAL INSTITUTIONS USED DECEPTIVE AND UNFAIR METHODS TO OBTAIN THE CONSUMERS CONSENT TO DISCLOSE PRIVATE, PERSONAL, NONPUBLIC, FINANCIAL INFORMATION TO THIRD PARTIES WHICH INCLUDES BUT IS NOT LIMITED TO XXXX XXXX, XXXX, AND XXXX. AFTER FRAUDULENTLY OBTAINING CONSENT THE HEREIN MENTION DATA FURNISHERS, ORIGINAL CREDITORS, AND OR FINANCIAL INSTITUTIONS THEN USED THE CONSUMERS INFORMATION TO FURNISH INFORMATION TO CONSUMER REPORTING AGENCIES BREACHING THE CONSUMERS PRIVACY
Product: Mortgage

Every month when I try to use the online payment system to pay my bill it never works. I have to change my password everytime. Once my password is changed it doesn't work. As a result of this I don't get my payment in on time and I am subject to fees. The company is located in a different time zone. So if I need to call them to speak with someone they are closed. I find it very odd that the online payment system is so much of an issue. I also wonder how many other people this is happening to and the fees that the company is getting as a result of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent account XXXX XXXX XXXX opened XX/XX/2018 balance is XXXX
Product: Money transfer, virtual currency, or money service

XXXX user XXXX is a scammer with the name of XXXX XXXX. Sent {$1200.00} via Zelle to a her and a XXXX on XXXX who is still operating and asking for more from me! Also stole my debit card info but were unsuccessful charging it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I bought a home back in XXXX I dealt with mortgage forward with XXXX  XXXX bank I thought. I was giving a 100 % modification due to the program that President Obama at XXXX XXXX XXXX XXXX I didnt know that my 80 % and 20 % mortgage which was two parts were not included in the modification only the 80 %. I was contacted on the 20 % and XXXX from XXXX XXXX XXXX  I told them to show me proof .of the note they disappeared! I had another company contact me in XX/XX/XXXX FCI lending they said they owned my second mortgage and they was going to take my home .. I told them I was going to file criminal charges. They disappeared. My dad and my little cousin like a brother to me passed in. XXXX. I was trying to get a loan for XXXX XXXX and it was denied the entire problem started then now we are dealing with Coronavirus 19 .. I loss wages before this .. I have a small child. And now theyre trying to take my home and my income was just getting better.
Product: Credit reporting, credit repair services, or other personal consumer reports

As per 15usc 1611 XXXX XXXX and Equifax is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc : Consumer Financial Protection Bureau. Cc : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

Cashapp has always been having issues. To logging I. To unauthorized transactions and zero live agents to help dispute charges I have charges that are still on my account they never took off. I stopped using cashapp because I was tired loosing money
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I am contacting you with regard to my original complaint sent to you CFPB # XXXX which included XXXX and Experian. XXXX has since fixed the issue and have deleted the erroneous information listed on my credit report that was in fact due to Identity Theft. It has been a constant uphill battle with stall tactics to only get no results. Experian will reply to you and say an investigation is in process with you and as of today XX/XX/2022 there is only one investigation result pending and it is one I initiated on my own for XXXX XXXX # XXXX with XXXX XXXX # XXXX untouched and not being disputed or removed at all. I am advising you that Experian has not done any of what they replied to you stating as of XX/XX/2022 per the original dispute sent to you mentioned above. Their business practice is has been unethical and not followed. 

To date since Experian has contacted you, I have not received any communication whatsoever telling me that my complaint has been received and matters are being handled. Both of these accounts are a part of my Identity Theft. I have been supplying Experian with my drivers license, the Federal Trade Commission Affidavit and the XXXX Police Report and it seems it is only a stall tactic to remove the information that does not belong to me. I understand they make money to hold your information but doing the right thing Experian seems to not understand. 

I am attaching the same documents again and wanted to advise you that Experian has not touched any of the accounts that I brought to your attention from the original dispute. 
I have also attached XXXXXXXX XXXX  results after their reinvestigation ( if they deleted, then the result should be the same for Experian ) and handling matters the way they should have from the beginning from being a victim of Identity Theft.

Per 605B the bureaus should not be reporting anything that is a part of my Identity Theft and I am tired of fighting with them over their unethical business practices.
Product: Credit card or prepaid card

I dont get reminders or alerts for my bank of america account. I get late fees the same day I make a payment! They are sneaky about posting these late charges too. I know other banks arent constantly changing interfaces, and having those changes be to the detriment of the customer. Bank of America 's default view makes the app and website purposefully difficult to read so you don't even know they are charging you. 

When I log on it makes it seem like I have no current transactions as a default but in the background, they have been charging me late fees. Other banks will just show you all the pending history but Bank of America purposely makes this a few extra clicks away. This XXXX, Bank of America charged me {$40.00} in late fees on the SAME DAY I paid my bill! On XX/XX/XXXX, when I called the XXXX call center to remove the charge I spoke with Manager XXXX # XXXX who was adamant this was legal and he would not remove the charge. When I spoke to XXXX about the difficulty of the app and website interface misleading to appear as though no transactions had occurred he referred me to download a statement, which is many more clicks away. This seems illegal. 

When a customer is paying down a bill Bank of America makes it appear as though there were no charges as a default, when they may be charging you late fees which you have to click away inside the ever-changing app or website to find. I dont understand why Im getting charged a {$40.00} late fee the same day Im paying my bill. This also seems illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted all credit bureaus in regards to Bankruptcy being on my report for XXXX XXXX yrs. Per my bankruptcy court they did not provide any credit bureaus with my bankruptcy info. I disputed & opt out of XXXX XXXX & XXXX. XXXX XXXX XXXX has already removed the only problem Im having is with Experian. Its has been nearly 10 yrs. I am workin on my credit & the bankruptcy is hindering me for advancing my future. Being a victim of the XXXX pandemic I need some assistance with gettin this matter cleared. I thought statue of limitations was 7 yrs.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted XXXX to do a dispute and I was told I can not do another dispute on the company because I disputed it in XXXX and it came back verified. I asked the lady what was verified beside a address and she said my social security number as well as my date of birth I made her aware that this is a fraudulent account and she said well they verified my information so I asked her is there a contract or something that she see that verified that I had an account with them she said no but they sent over something and I asked her well if there is something I need to see it and she had no idea what was sent to them to verify that I had an account with the collection agency nor XXXX who is the original creditor after we went back and forth she said I still couldnt do a dispute so she didnt know what to tell me. I made her aware that I have contacted the collection agency and XXXX and neither could provide me with anything showing I had an account its fraud she said well they verified the account and she didnt know what more to tell me. I explained to her that this is the second time this has happened when it was time for me to get a clearance for my job Im in the XXXX and if she would have looked back 2 years ago she will she a different collection agency had this same account on top of a third agency is also reporting this same account she was no help very rude and refused to look into the account to see what type of verification information they had to show I had this account. I am starting to think that the credit bureaus are working with the collection agencies because there is no way that you can verify I had an account with my social security number and a old address its impossible. So therefore I had to take this a little further
Product: Credit reporting or other personal consumer reports

After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information has been used to apply for a card. I found fraudulent inquiry on my credit report.Please dispute and remove listed fraudulent inquiry from my credit report XXXX  XXXX XXXX XX/XX/year> 2024
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX between XXXX and XXXX EST I was selling an item on XXXX XXXX XXXX and this buyer reached out to me that he wants to buy my item. 
I did sell an item before and it went smooth. Hence I trusted this buyer too. He has asked me for my XXXX email and he said hes gon na transfer the amount. Once he transfers the amount, I get an email from XXXX saying xxxx amount has been put on hold as this is not a business amount and deposit of {$500.00} has to be made to XXXX ( buyer ). 

I was suspecting the email, but it did not occur to me that its a fraud. Hence I make a {$500.00} payment and another email comes up asking to make another {$500.00} payment in order for the buyers funds to be released in my account. And the buyer shares two other email ids to send the amount to. 

I immediately called my bank and XXXX and they have mentioned the refund can not be made since I have authorized the payment. I request you to kindly consider the case and do the needful.
Product: Mortgage

I have had following 3 loan # s in COVID-19 related forbearance with Mr. Cooper/Nationstar Mortgage with the unpaid balances as follows : # XXXX for {$360000.00} ( primary residence ) # XXXX for {$110000.00} # XXXX for {$120000.00} I just finished trial payments and was approved for a loan modifications for all 3, however the Mod. Agreements they sent me had a paragraph that basically directs me to transfer leasing authority to the lender even if I'm not in default. 

I called the Customer Service on XX/XX/XXXX and the rep. agreed that the language needed to be added and stated that I should add the statement about applicability only if I'm in default which is what I did. However, a week later, they sent me a note saying that I either need to sign the agreement as is w/out any changes or face foreclosure -THIS INTIMIDATION WHEN THEY MADE A MISTAKE, IS NOTHING BUT PREDATORY LENDING! 

Yesterday, I called the service again and followed up with an email below. Today I called them and told them that if I didn't receive a written confirmation of what rep told me over the phone, I would be filing a complaint w/CFPB. 

They have not responded since and the pmt is due tomorrow. 

-- -- -- -- -- Forwarded message -- -- -- -- - From : Luxury Realty XXXX Date : Tue, XX/XX/XXXX at XXXX PM Subject : URGENT : Loan ( # XXXX ) Modification Agreement language To : XXXX Hello, I'm contacting you regarding the ticket # XXXX that I received via secure Message Center in response to the issue I reported on XX/XX/XXXX w. the Modification Agreement I signed. Specifically, Section 6 ( g ), paragraph 1 implies that Mr. Cooper can take over existing leases or execute new ones, regardless of whether my loan is in foreclosure status or not.

I called the Cust. Service on XX/XX/XXXX about this issue and the rep agreed that the language should indicate that paragraph being applicable only if I default on the loan and told me that I should add that statement and initial it, which is what I did the same day ( see attached ). 

I just got a letter stating that the agreement language can't be modified so I called again and the rep confirmed the same, but also confirmed that Mr. Cooper would never try to change any existing leases or start new ones unless I was in foreclosure. 

Verbal confirmation is great, but I need someone to respond to this email stating the same in which case I will send back that page w/out my handwriting ; basically something that tells me that my current tenants are not going to be asked to leave or I'm told that I need to lease the property to a new tenant. 

Same exact issue exists on agreements for my other 2 loans, but a single email or letter ( if that's easier ) that states that Sec. 6 ( g ) Paragraph 1 is applicable when loan is in Foreclosure status will be sufficient. 

Thank you. 

XXXX XXXX
Product: Debt collection

Received written letter from XXXX regarding debt which is not mine, no verification of debt has been produced giving account details or pertinent info.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries and addresses are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Product: Credit reporting or other personal consumer reports

My number ends with XXXX not XXXX, I even contacted all of my XXXX, XXXX, XXXX and requested for copy of my report and it shows my correct number on file which is XXXX. I can supply my reports for evidence if necessary, I DO NOT own any number ending in XXXX only XXXX They ( J.P Morgan Chase ) are contacting a number that is not in service... I provided my correct number and it shows in my Credit reports & Consumer reports so I do not understand how I am not being contacted Once Again I was approved for Auto Loan and I received check from XXXX XXXX XXXX XXXX and sent to the private seller XXXX XXXX. XXXX XXXX the check with JP Morgan Chase Bank for {$25000.00} and they put the funds on hold and closed her account. They claim not being able to verify my Phone number XXXX. I spoken with live agents at XXXX, XXXX, and XXXX and they have confirmed. I have even got my XXXX consumer report delivered I AM Providing my report as evidence
Product: Debt collection

This company named first national collection bureau, inc. continues to send me letters, and phone calls concerning a {$2100.00} debt that i have never owed, and or have any ideal about. iv mailed them 3 letters in the past two months advising them of the same. but they continue to contact me. i have attached the most recent letter from first national collection. dated XX/XX/2018 2018
Product: Consumer Loan

I have contacted Prosper on several occasions regarding the amount of time it takes for mailed payments to be posted to my account. 

Because of a recent delay, I encountered fees totaling {$40.00}. After filing a complaint with the XXXX coupled with information from my financial institution XXXX XXXX XXXX, Prosper agreed to remove the fees. 

Unfortunately, I have had a difficult time getting Prosper to follow through with their commitment. I have contacted customer service via phone on several occasions as well as forwarded multiple emails to XXXXXXXXXXXX to no avail. 

Considering interest accrues on my account daily, it is critical that Prosper processes payments promptly as well as address consumer complaints timely.
Product: Debt collection

This debt collector violated the FDCPA by engaging in abusive, deceptive, and unjust practices. They provided this account in violation of our agreement, and I did not affix my signature to it. Two parties are required to sign a legally binding contract ; I did not take any part in the signing process. Furthermore, in noting my dispute of the account ( s ), they failed to adhere to the correct procedure, which is a clear violation of 15 USC 1692e ( 8 ) and constitutes unjust business practices. Unjust business practices, third-party communication, and other violations caused by these debt collectors use of abusive language in correspondence with me while attempting to collect on an alleged debt. Complaints with the Attorney General, XXXX XXXX XXXX XXXX XXXX XXXX, and The Federal Trade Commission ( FTC ) have been filed, dispute letters have been mailed to this debt collector ; supporting documentation will be furnished. If they fail to do so, I will be compelled to escalate the matter to my litigation attorney. I have been advised that the company 's failure to indicate my account as " consumer disputes '' on my credit report constitutes a violation for which I am entitled to take legal action against them.
Product: Credit reporting, credit repair services, or other personal consumer reports

What is wrong why these accounts are on my credit report? I never had anything to do with them! I disputed the account with Experian but they did not give me evidence as to why the accounts are being reported on my credit report when I have nothing to do with them XXXX XXXX XXXX XXXX XXXX XXXX, XXXX/XXXX 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

This complaint is in reference to Equifax, XXXX and XXXX XXXX. I recently paid off nearly {$5000.00} in credit card debt. The card was never late and the account was paid in full. According to the credit simulator, my score should have increased 55 points, but it only increased 2 on one report and 1 pont on another. While each of the three CBI will argue that the simulator is for educational purposes and every case is different, the practice is misleading and deceptive. On information and belief, my credit scores are being artificially suppressed in an act of retaliation for my complaints. I am seeking the assistance of the State Attorney General.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX I have paid this account off and it was never late or missed a payment ; I called XXXX and they sent me a letter stating that I never missed a payment and was never late, XXXX  and Transunion are reporting fraudulently that a missed/late payment happen XXXX of XXXX I have sent XXXX  and Transunion this letter and this fraudulently information still is reporting on my credit report. Please have them remove this account all together or correct this account to correct statues.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX # XXXX - Balance : {$XXXX} Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Product: Bank account or service

{$800.00} was stolen from my fiance 's checking account on XX/XX/XXXX. He was previously removed his administrative assistant as an authorized user. At that time he went to the bank to get her removed, the bank failed to mentioned that even though " removed '' she still had access to the account. Again, when I was added to the account last week Tuesday, the bank had me and my fiance sign authorized users document that did not have her as an authorized user to his account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Equifax has violated my rights by reporting the following accounts in violation of Federal law. 

XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX 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 : Also states a consumer reporting agency can not furnish a account without my written instructions.