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

I called Axos bank on XX/XX/XXXX to inquire about a promotion to receive {$100.00} bonus for depositing {$250.00}. A rep. named XXXX said that was all I needed to do. I specifically asked if I needed direct deposit and he said " No ''. They say it is a on recorded line. I asked them to preserve the calls. After I opened the account, I called again once my linked checking account was effective, to ask which account to deposit the {$250.00} checking or savings. A different rep. now says I need direct deposit or else I won't get it. I said XXXX told me so you should honor it. I asked to speak with a supervisor and they said he will call back the next day. He never called at all. I called again 4 business days later today XX/XX/XXXX and surprisingly XXXX answered again and said the Sup. left a secure message on their website for me and I asked again for a supervisor and XXXX said I can't speak to anyone else. It is absolutely below the basic business standards to not be able to get a supervisor. They lied about their terms on the phone giving me false information they should be responsible for and held to it. They lied about a supervisor calling on the phone. They won't make things right. I do not want to do business with them unless they pay me the {$100.00} and wouldn't of started with them without it.
Product: Mortgage

I have had BBVA Compass Bank as a lender since 2005. For the last XXXX months, I have not received a mortgage statement and they report they are " working on it. '' I have called them several times and they will not resolve it. They hang up on me. My mortgage is due to adjust now and they refuse to give me an update on the new amount.
Product: Mortgage

I have been a customer of Specialized Loan Servicing LLC ( SLS ) for the past ten years. My mortgage payment is due on the XXXX of each month. I typically pay it on the XXXX ; however, occasionally I must wait until the XXXX. The payment is not considered late until the XXXX, so this should not cause a problem. Unfortunately, each time I wait until the XXXX to pay, the company reports my payment as late. They have explained to me that their computer does not have the ability to recognize payments that come in on the day they are due. This is unbelievable and, if true, should be illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Despite the multiple previous written requests, the unverified account listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have acopy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being " reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as requiredunder Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT all information which can not be verified. Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. Please correct the account, or inaccurate information, from my file immediately & send me the results to the address. 

XXXX XXXX XXXX Late Date XX/XX/21
Product: Credit reporting or other personal consumer reports

I reported this problem to XXXX # XXXX, but there still has been no change to my credit report. I have provided documents showing my student loans were over the PSLF program NOT a bankruptcy. 

What information are they using to investigate this issue? 

I have been waiting more than 45 days, for Equifax to make their correction.
Product: Credit card

On XX/XX/year>, I made purchase from " XXXX XXXX '' through PayPal, totaling {$210.00}. These transactions are reflected on my account statement dated XX/XX/year>. 
I've made the following requests to ask for refund of my cancelled order before it was shipped. Rabbit says the order has been cancelled and money sent to my paypal, refund to my original payment method of XXXX  with ID XXXX. I have never received the payment and requested both XXXX and Paypal to investiage. Paypal closed my case and XXXX  has made any progress. 

XXXX has stopped providing communication with me an I am unable to get my money back. It's been 10 months and sill not resolved.
Product: Checking or savings account

I was trying to close my account and well Fargo keep charging me overdraft fees twice in the amount of XXXX dollars and I paid my negative balance twice and my balance is XXXX overdrawn and I explain to the banker I paid my negative balance in the amount of XXXX and she waved the XXXX dollar overdraft fee and told me I could transfer XXXX dollars that well Fargo giving me to my propel credit card which I did and the next day I was charged the fee again on XX/XX/2019 and well Fargo is unable to waved the full XXXX feee again and offer a XXXX percent credit which I turned down because I paid the original negative balance in the amount of XXXX and Ive been asking well Fargo several times to close my account and they refused to do so
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts 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. 
XXXX XXXXXXXX Balance : {$160000.00} XXXX XXXX Balance : {$1500.00} XXXXXXXX XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX XXXX Balance : {$4500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint against TRANSUNION located in XXXX XXXX XXXX, XXXX, XXXX. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, TRANSUNION has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon. 

XXXX and XXXX XXXX alleged accounts shows the following inaccurate reporting : Close date is reporting as incomplete. 
How can a closed account still have a pas due amount? 
Dispute status is reporting as Account not disputed which is not true. Creditor remarks states account was disputed. How can they have verified and confirm that this information is completely 100 % accurate? 
How can a closed account still have a pas due amount?
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX and XXXX, 2021, I made a total of 5 money transfers through WesternUnion totaling US {$38000.00}. On XX/XX/XXXX, WesternUnion informed me that the transactions had been cancelled by WesternUnion and would be refunded. On XX/XX/XXXX, I received a refund on one of the transfers for {$8000.00}. Since then, I have been in contact with WesternUnion daily to get the remaining {$30000.00} refunded but with no success. WesternUnion has not provided me with any explanation as to why the funds are not being refunded, only that they are looking into it.
Product: Mortgage

This has been an ongoing problem of lenders/servicers in our purported loan. Starting with XXXX and now moving onto PennyMac. There has been fraud in the inducement and continues in fraud as it progresses. Your XXXX never informed us that our 'loan ' was actually meant to be a security. XXXX XXXX was never registered to file securities ( see attached letters from SEC ). 
We have no agreement with PennyMac and they have fraudulently procured our property through fraud. PennyMac has violate the National Mortgage Settlement Agreement and their own agreement with the FDIC. 
There is no way for a homeowner to negotiate when servicers/lenders are allowed to use fraud to steal our property and cut off the true holder in due course. 
Attached is a fraudulent assignment of deed of trust. I have marked it to show the fraudulent areas of the Assignment. 1 ) XXXX XXXX has not now or ever worked for XXXX or XXXX XXXX. a ) XXXX XXXX has been inoperable since XXXX b ) PennyMac did not open for business until XXXX, c ) XXXX did not have an agent for service or business license in CA until XXXX/XXXX/XXXX. Consequently, there could have been no LEGAL assignment in XXXX. 2 ) XXXX XXXX was under investigation for misuse of her notary since XXXX, a ) XXXX XXXX has since been convicted as per the attached court docket. b ) XXXX XXXX and XXXX XXXX have signed numerous documents under various titles, once again showing a pattern of moral turpitude by the servicers. 3 ) XXXX had the final dissolution of their LLC on XXXX/XXXX/XXXX, as per the official letter from the Georgia Secretary of State, attached herewith. XXXX was not an operating corporation in the state of CAlifornia until XXXX/XXXX/XXXX, and therefore can not be a party to our transaction. 4 ) We were never served a notice of acceleration by the lender, or the trustee. PennyMac used these fraudulent documents as a form of extortion rather than genuinely trying to work with us. We believe they did this because they did not have the entitlement to enforce the agreement and desired to bury this evidence in order to procure our home at no cost to their agency, and to cover their fraudulent activity from investors and the government. 5 ) The Trustee was never legally replaced by either the Trustee or the Lender. 6 ) PennyMac used this fraudulent Assignment of Deed of Trust to foreclose on a property they had no legal right to. a ) They illegally created a Trustee 's Deed Upon Sale, one day after the release from stay in the bankruptcy court, thereby violating the Homeowners Bill of Rights ( among numerous other rights ). 7 ) PennyMac has been evasive and untruthful with regulating authorities regarding our complaints and have tried to depict us as deadbeats thereby evading questions regarding their authority. 8 ) In spite of XXXX requests PennyMac has never provided us with a legal QWR, PennyMac has no record of our past payments on this loan, nor do they have a record of our payments toward the principle, because they do not legally possess this right.
Product: Student loan

Every time I make payments I can afford, the debt collector agency is changed. The current owner has made no attempts in contacting via mail in attempts to make a payment plan but continues to report unpaid interest to the credit bureaus at a rate that im not aware of. Company make objective is to get the balance high enough via unfair interest charges to make a profit. The original balance continues to show up as charge off and now the reporting balance is thousands of dollars above that.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX is showing as a open card with a 285 % usage on my trans-union report but when you look further on the report it shows as a charge off
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX. 
Account name : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Fraud accounts being relisted in violation. Please block all fraud accounts and related inquiries per FCRA, XXXX PD and CFPB unless you can provide verification of original signature. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charges filed XXXX XXXX ORIGINAL POLICE REPORT attached, address, emails, current bank statement, FTC, supplemental police report and ID attached for verification thank you REMOVE ALL NON-ACCOUNT INQUIRIES PER FCRA LAW- XXXX has relisted 15 fraudulent inquiries.
Product: Mortgage

As of XX/XX/XXXX my home loan was transferred by the XXXX XXXX XXXX to Ocwen. XXXX told me that I had to make my loan payment of {$3600.00} early prior to the transfer. They said that Ocwen would be notified and that the advance payment would be applied to my first payment with Ocwen. This did not happen. The transfer was botched and Ocwen insisted on requiring an escrow account for my loan even though in 30 years of making loan payments there had been no escrow requirement. Because of the extra amounts that they demanded for the escrow, they have claimed that my loan was paid late and was insufficient. I have written to CFPB about this and you were successful in limiting some of the penalties inflicted by Ocwen although they still maintain {$350.00} in late payment fees. 

I would like to have this carry-forward charge removed. I would also like to remove the credit dings ( two late payment indications ) -- - XXXX by XXXX and XXXX by Ocwen for XX/XX/XXXX and XX/XX/XXXX. I have no late payments on my home mortgage record for over 30 years, and no late payments on any of numerous credit cards -- -only these two late payments inflicted by XXXX XXXX XXXX and Ocwen which occurred because of this loan sale that I did not request. 

I have referenced this matter in case number XXXX and case number XXXX. Those have more background for this long standing big bank misbehavior. 
Thankyou for helping. 

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

In accordance with the Fair Credit Reporting Act, XXXX XXXX, has violated my rights. 

XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX XXXX XXXX ) XXXX 15 U.S.C 1681 section 602 A : States I have the right to privacy.

15 U.S.C 1681 section A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666b : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.
Product: Mortgage

Over the past 3 months i have been trying to make this loan current, Bank of america has lied to me on several occasions, after i do exactly what they tell me to do they 'Change the rules and give me more hurdles '' I received a call from BOA i asked what my options were as the legal executor of this estate ( loan ) a Rep from BOA told me to Become the Successor of Interest, after that was confirmed i could defer the past due balance, and then make payments on this as agreed upon. 

Near the end of XXXX  i was instructed to mail in a letter stating my intent to become the successor of interest, i then on XX/XX/2021 received a letter that i could NOT be the successor because i have not assumed the loan ... .you cant assume the loan until you become the successor.. SO i resent paper work fast forward to today XX/XX/2021 receive a call from bank of america. I asked about the successor of interest status i was told " one tab says you are the other says you are not '' while i was waiting for this to be confirmed i asked WHEN im confirmed id like to defer the loan as stated in a previous phone call, today i was informed that i CAN NOT do This now, even though i was told i could less than a month ago. Please note the rep at the end of the call still did not know sure if i was conformed successor of interest yet I requested that the phone calls form the last 3 months pleased be reviewed ( bank of america records all calls inbound and outbound ) and then a person of Authority please contact me to tell me why i was told something that is not accurate. something as important as this I was informed that i needed an attorney to be able to get a transcript of conversations that were made via Myself and the bank. I find this not true as i am more than legally allowed to make all decisions on this account. 

Basically this is a he said, she said dispute, there is a very easy fix for this go to the recordings and check, this is why they record calls, if i am correct then the bank needs to honor what was promised since they are responsible to know the rules not me.
Product: Credit card

XX/XX/24 I discovered two credit cards on my credit report that were opened without my knowledge. One card is a Barclays credit card where I am the primary owner and the other is a credit card through XXXX XXXX with my name and spouses name. When I called to inquire about both accounts, I assumed my spouse added me as an authorized user until the customer service rep told me that I was not an auth user but primary and only on the Barclays account. I did not open the account so I requested to be transferred to the Fraud Dept where it has not been closed for suspicious activity. I reported both as spousal identity theft to the credit bureaus and was told to file a complaint here. Both are currently pending investigation for fraud. A complaint was filed to XXXX XXXX XXXX 's office with XXXX XXXX XXXX, badge number XXXX the filing date was XX/XX/24 case # XXXX
Product: Debt collection

I XXXX XXXX hereby submits a complaint against one of the largest national banks in America, XXXX , XXXX . I am just a middle class single mother of XXXX, trying to make a living. There have been times in my life when I struggled financially. Over ten years ago, I defaulted on a XXXX account, and over the years the collection aspects were negated and the credit charge off was even removed from my credit reports, as the 7-year timeline to maintain it had elapsed. Now XXXX has lowered itself to submit back-end debt service to debt buyers, even after debts are proved to be non-collectible. The credit trade line was officially charged off so long ago that XXXX deleted the account off of my credit reports. So now XXXX , XXXX . is selling off charged-off debts. This is a popular move since the XXXX XXXX XXXX XXXX XXXX XXXX decision in the U.S. Supreme Court of XXXX ( Decision Attached ). However, XXXX XXXX. is participation in a Ponzi- Scheme approach to not only obtain the taxable write-offs on defaulted debts, but to also double-dip into potentially draining what little capital could remain from a common American citizen. Here is how the scam works : XXXX XXXX. ASSIGNS DEFAUTED DEBT TO XXXX XXXX XXXX , XXXX XX/XX/XXXX BILL OF SALE AND ASSIGNMENT BY ELECTRONIC SIGNATURE XXXX XXXX XXXX , XXXX TRANSFERS OWNERSHIP THE VERY SAME DAY BY XXXX XXXX, XXXX. TO XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX, XXXX ASSIGNS DEBT TO XXXX  XXXX   XXXX XXXX, XXXX ON XX/XX/XXXX BY XXXX XXXX, XXXX. 

XXXX XXXX XXXX XXXX, XXXX ASSIGNS DEBT TO XXXX XXXX, XXXX XX/XX/XXXX BY XXXX XXXX, INVENTORY MANAGER XXXX XXXX. should look into federal case decisions U.S. v. XXXX XXXX XXXX before it ever gets involved in selling off debts to what appears to be a Ponzi-Scheme on receivables, debts that can no longer be enforced, and selling to companies without proof of proper bonding and licensing to enforce defaulted debts in the state of California. This action is criminal in nature. The continuous transfers are a form of the title cleansing practices of real estate scammers, a practice quashed by actions with the U.S. Department of Justice. XXXX is proving that they will step to as low as a level as a national bank can go. Their actions are complicit within a criminal process to destroy average American consumers, and the Consumer Financial Protection Bureau, along with the Federal Trade Commission, the Federal Deposit Insurance Corporation, the Office of the Comptroller of the Currency, the banking department of the state of California, in addition to the Office of Attorney General, state of California will be involved in this complaint. Action must be taken to cease these types of activities by XXXX , XXXX . and the affiliated companies stating that they have obtained uncollectible debts.
Product: Checking or savings account

I recently opened an account a t US  Bank in  XXXX . I deposited a PAYROLL check for over {$900.00} at an ATM machine at a branch today the   XX/XX/XXXX , 2017.      My name is  XXXX   XXXX  The machine told me that my available funds were somewhere just over {$100.00} and that the rest would be available soon. I went and started to spend money on small things I needed for my night/week that were well under the allotted {$100.00}.     Eventually, later in the day, my debit card was  DECLINED  as I tried to buy dinner at a  XXXX   XXXX  in  XXXX . Further investigation showed that my account was now OVERDRAWN by over {$100.00}. Mystified, I calle d US Bank and th ey told me that a hold had been put on the check. I complained, over the phone to the completely resource-less bankers a t US Bank 's  Customer Service Department, that the check was a PAYROLL check and that I needed the money to survive for the next week. They informed me that the hold would be fo r 5 busi ness days which means I will have no access to my own money, from a PAYROLL check, for over a week.     This is unacceptable as I need basic things like food and transportation with my check ( I have never had to wait this long for a paycheck to clear in my life, nor have I ever had a hol d put on one  retroactively after I had already been given a small advance ).