23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Hello, I am the Sole and only beneficiary of an XX/XX/XXXX irrevocable court crated trust for an incapacitated minor, created with funds awarded from settlement / finial judgment in Case XXXX in the XXXX Judicial XXXX XXXX XXXX XXXX XXXX XXXX Texas in XX/XX/XXXX. 

In XX/XX/XXXX ( XX/XX/XXXX ) XXXX XXXX/ Bank of America was court appointed sole trustee of a court crated incapacitated minor irrevocable trust. XXXX XXXX/ Bank of America Sole Trustee received specific trust investment options ( stocks, annuities, mutual funds etc ) to invest irrevocable trust funds. XXXX XXXX Bank of America used trust funds to secure XXXX XXXX Bank of America Life Insurance Policies as trust assets in XX/XX/XXXX. 

In XX/XX/XXXX XXXX XXXX/ Bank of America started placing loans against the irrevocable trust/ trust asset ( s ) to send care distributions for the incapacitated minors care, not sending care distributions from trusts net income and principal per the trust terms/ trust distributions guidelines. 

More than XXXX years later ( XXXX years ) XXXX XXXX Bank of America sales the irrevocable trust asset ( s ) belonging to the incapacitated minor to XXXX XXXX XXXX XXXX XXXX , with current debt on the asset ( s ). In XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX communicates to the sole and only beneficiary of the trust / trust asset ( s ) that he has ordinary income of {$690000.00} to be reported in XX/XX/XXXX to the IRS, which is the loans and loan interest placed on the irrevocable trust starting in XX/XX/XXXX. 

* Irrevocable court crated trust for incapacitated minor with specific distribution terms, from net income and principal ( if income is insufficient ) were violated/ not followed by Sole Trustee- XXXX XXXX Bank of America . 
* The use of loans is/ was not authorized within the irrevocable court crated trust for incapacitated minor, by beneficiary or trustee. 
*Texas Property Code 142.005, which the irrevocable trust was created under specifically voids out trustee lending beneficiary property/ funds from the irrevocable court created trust. 
*Trust asset ( s ) and all income should have been paid-out to the beneficiary free of the irrevocable trust upon termination in XX/XX/XXXX. 
*Assets were sold to XXXX XXXX XXXX XXXX XXXX from XXXX XXXX Bank of America around XX/XX/XXXX according to an employee with XXXX XXXX XXXX XXXX XXXX XXXX 

The above information has been communicated to XXXX XXXX Bank of America for a resolution. Current day only letters of acknowledgment have been sent stating more research is required to address the identified trust matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

on the XX/XX/18 i went to XXXX XXXX  to pay my monthly credit card bill i was told by the bank representative that card i was using was discontinued so he was going to send me a replacement card. i tell him that's ok. two weeks later i received a letter from XXXX XXXX   saying i was denied credit because of low credit score, the letter came on XX/XX/18 i call the bank on XX/XX/18 to let them know i did not apply for any new credit they were supposed to send me me a replacement card for the one i had which the representative says is discontinued and i did not authorized him to run my credit score, and he didn't mention anything about my credit score we did not have that kind of conversation so it has to be a mistake. they apologize for what happen and told put it in writing disputing what happen and mail it to them, which i didn't.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to CORRECT some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2023 I received a spoofed phone call from a scammer using the Wells Fargo phone number. He proceeded to see if I authorized a {$2000.00} XXXX transaction someone was trying to complete using my checking account. I said no, and stayed on the phone to make sure it was resolved. In the meantime he asked if I had received any notifications via text or email letting me know of this unauthorized transaction, which I said no to. He worked to find out why I wasnt receiving the notifications. Once he got a notification to come through he was then able to hack into my account. He then locked me out of my account, hung up on me and then proceeded to make {$7500.00} worth of transactions to his own XXXX account from my checking account. At this time, I realized what had just happened and immediately called back to Wells Fargo and spoke with a real agent. He informed me frantically that I just been scammed! He locked my account, changed my account numbers, canceled my checking account debit cards and I was sent new ones, and we made the necessary fraud claims. I was told they had the information they needed and the claim would go into the hands of an investigator who would have 1-10 business days to complete the investigation. I was also told he would reach out to me for further information. I called Wells Fargo everyday for 10 days. I asked for managers and was never able to speak to one. I never received one phone call from an investigator and found out when I called on Friday, XX/XX/XXXX that my claim had been denied. The Wells Fargo Fraud department agent would not give me any information as to why it was denied. I completed a complaint to Wells Fargo and did a request to have all the investigators documents he used on my case to be sent to me so I could review them. I was told that could take up to 30 business days. Wells Fargo has not done anything to communicate or protect my money in this situation. I have filed a police report and all of the necessary steps reporting the fraud. I need to know how to move forward to get my money back. I am not going to take no as an answer for {$7500.00} being stolen from account and Wells Fargo doing nothing to help me get it back!
Product: Debt collection

On XX/XX/XXXX Midland Credit Management attempted to contact me about a debt that was not owed. The account number is XXXX. I have attempted to explain my federal rights to XXXX who is one of the account managers there. I informed him of 15 USC 1692k & 1692CA as I have never given Midland Credit Management consent to contact me and there is no time to discuss this debt. I also ask Midland Credit Management to cease and desist but wasn't taken seriously as they said they couldn't verify me when I provided my full account number and name. I also am requesting how they have been given my additional information under 15 USC 1692B. I am also requesting a visual contract I have with this company. I look forward to getting this resolved. Attached below is the documented conversation with, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wallet was either lost or stolen, and reported. I also notified the 3 major credit reporting agencies of this. And since my identity been compromised I've noticed unauthorized accounts reporting on my credit file. I'm sure neither of the credit reporting agencies supports fraud so therefore I'm demanding that these fraudulent unauthorized accounts be blocked and removed immediately.

As follow 1 ) XXXX XXXX XXXX 2 ) XXXX XXXX XXXX  3 ) XXXX  Dept of ED {$1200.00} 4 ) XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I signed up with Barclays Bank for an Uber Rewards credit card. As of XX/XX/2021, I have accumulated at least {$1000.00} in rewards, but I can neither access my rewards, nor use them to pay for my purchases. I contacted Barclays Bank to fix the problem, they referred me to Uber. I contacted Uber on XX/XX/2021 via their app. Uber responded that they are aware of the problem, " are working on it '' and would get back to me. All communications are through the Uber app, and there is no resolution in sight.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have found incorrect addresses and account details on my credit report. I would like to dispute this information and have it deleted
Product: Mortgage

My husband and I are about to put in a pool at our house. Because of this, I thought it would make sense to update our homeowners insurance, so I reached out to my Mortgage Servicer, Mr. Cooper, so that I could let them know. In XX/XX/XXXX, I received a notice that they were paying for new homeowners insurance, which I never requested - after already paying a premium for the year in XX/XX/XXXX. On XX/XX/XXXX, I found out that they were paying for homeowners insurance on a property that I havent owned since XXXX. They somehow never did the due diligence with XXXX, and the original homeowners insurance that was for my actual property lapsed and was canceled for nonpayment. Thus, Ive been paying for something - theyve been using my escrow money, but it was going to an insurance policy that has been inactive since XX/XX/XXXX. And I have proof from XXXX that that was canceled in XX/XX/XXXX. I have no idea where that money has gone and the servicer claims they dont know where it is either. I got new homeowners insurance that day. But they have no contacted me at all explaining how this could possibly happen and what they are doing to refund my escrow account, since theyve sent over {$3000.00} to insurance policies that do no exist and were on a property that I sold years ago. I deserve to get that money returned to my escrow and they are being incredibly unhelpful. This is a lot of money.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Loancare holds my VA morgtage, account XXXX. They took it over in XXXX of XXXX and immediately began reporting me late, because they miscredited a payment I had made to the former loan servicer, XXXX. ( I made the payment and they got it, but they credited it to my escrow rather than as a payment. ) Since they had no record of this payment being made, the next payment was credited to the past due payment, and then down the line, on and on, with every payment reported late. 

I didn't find out about this until XXXX of XXXX. ( I think loancare misentered my mailing address because I didn't get a single thing from them in the mail for the first year. ) As soon as I found out, I sent them a notice of error by certified mail but got no response. In XXXX, I submitted a complaint through the CFPB, XXXX. 

I got a a response from a compliance officer at the company named XXXX XXXX. He investigated and determined that I had made all my payments correctly and Loancare had made an error. He sent me a letter to this effect. ( attached ). He said he was fixing it but that would require redoing my entire account history, which would take time. But he would fix everything and the credit bureaus should have the right information within 90 days. 

In addition, he determined that I was overpaid by about {$54.00} and he was sending me a check. 

I never got the check but the money he claimed I had overpaid was deducted from my XXXX payment. As a result, my XXXX payment was short and the payment was put into suspense, and not credited to my account. I was immediately reported as late on my XXXX payment to the credit reporting agencies. When I made the XXXX payment, it was applied to my XXXX payment, which made my XXXX payment late. This was also reported as late to the credit reporting agencies. 

The number listed on the response from the CFPB is from something called an 'office of the customer. ' This leads to a computer which doesnt accept calls without an extension number. No extension number was included so I had no way to reach Loan care to resolve either the first issue or the second one, which resulted from the errors they made in their attempts to resolve the first issue. 

90 days has passed. 

Two of the credit agencies still report me as late on my payments from the very beginning. This has has been fixed on XXXX of the reporting companies but now all three are reporting me as late on my XXXX and XXXX payment. Of course, they were made on time and in full. This reporting is not accurate. I need it fixed. This problem has been going on for more than a year. I need it fixed now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with PayPal ( SYNCB/PPC ) customer service representative last year XX/XX/XXXX, about the fraud amount on my credit report, I explained to the representative that I never purchase everything listed on the account and that I am not responsible for the purchase. The representative agrees to treat this with her supervisor. As of today XX/XX/XXXX, the PayPal ( SYNCB/PPC ) account is still asking me for the paymant for things i did not purchace. They even tool my name to collection for money i did not spend after many time of complaining of letting them know i did not spend such amount. Also they refuse to remove such from my credit report and PayPa is still showing on my credit report as pay off balance of {$3600.00} for PayPal ( SYNCB/PPC ).
Product: Mortgage

We modified our Home Equity Line with Chase in XXXX XXXX. They advised us on a number of occasions that we are in default. We feel Chase has been harassing us. On XXXX XXXX, XXXX, they sent us a letter saying that they are attempting to collect a debt. Worse, they over billed us on the monthly amortization beyond the fixed rate of 2 % for 5 years. Records show that we are current in our mortgage payments.
Product: Credit card or prepaid card

Hi, I have a Visa credit card from Bank of America, and as a Platinum Honors member, I am supposed to earn a special bonus rewards totaling 5.25 % for all " online transactions ''. However, I noticed recently that BOA seems to arbitrarily change/reduce the rewards I am entitled to get, and here is a recent example. 

On XX/XX/2022, I bought online four airline tickets, each costed me {$420.00}, and totaling {$420.00} X XXXX = {$1600.00}. Since this was an online transaction, I notice that only two tickets were processed correctly - each giving me a reward in the amount of {$420.00} X 5.25 % = {$22.00}. However, they failed to process rewards for the other two tickets in the same way, rather they only gave me {$420.00} X 1.75 % = {$7.00} each. So I called them, and pointed out this processing error and demanded a credit. The representative initially tried to send me off and tried to convince me that there was no mistake. However, once I pointed out the inconsistency in them processing XXXX tickets from the same transaction, she changed her message and told me they will open a case and investigate. 

I just received a letter in the mail today dated XX/XX/2022 from BOA, informing me that theyve now concluded their investigation and there were no mistakes. The explanation they quoted in the letter doesnt seem to apply to my situation and doesnt make logical sense to me either. 

Here is my request to Bank of America : 1. Credit back my rewards in the amount of {$88.00} ( i.e. {$22.00} each for four tickets ). 
2. Worth noting that I only paid attention to this transaction because of the large transaction amount, there may be other many transactions that I was ripped off as a consumer but didnt catch. I demand Bank of America also do a thorough review of my other transactions to make sure that mistakes like this get changed in a timely manner.

3. Set up necessary internal review process/controls to review and catch mistakes like this and correct them before sharing with customers, and provide their employees with necessary training to address customers concerns when called. 
4. Take necessary corrective actions to stop this kind of fraudulent practices to arbitrarily take way rewards/benefits from their customers, and pretend to give explanations that are either irrelevant or dont make logical sense. 

Thank you!
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Inaccurate Reporting by GS Bank XXXXXXXX XXXX XXXX Compliance Violations Dear CFPB, I am writing to file a formal complaint against XXXX and XXXX for their failure to accurately report information related to my account with GS Bank USA. Despite my efforts to resolve these discrepancies directly with the credit bureaus, they have continued to report incorrect information, which violates my rights under the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX reporting standards. 

Summary of the Issues : Inconsistent Date Opened Reporting : XXXX reports the date opened as XX/XX/XXXX, while XXXX reports it as XX/XX/XXXX. The correct date, as verified by my records, should be XX/XX/XXXX. This discrepancy indicates a failure to adhere to XXXX XXXX compliance, which requires consistent and accurate reporting across all consumer reporting agencies. 
Discrepant Payment History Reporting : XXXX reports that my account was in a charge-off status with late payments beginning in XX/XX/XXXX, while XXXX fails to provide consistent reporting on the payment history during the same period. XXXX XXXX guidelines require that payment history, including delinquencies, be reported accurately and uniformly. The inconsistency between the XXXX bureaus is a clear violation of these guidelines, leading to a misleading representation of my creditworthiness. 
Incorrect Date Last Active : XXXX reports the date last active as XX/XX/XXXX, while XXXX reports it as XX/XX/XXXX. The XXXX XXXX standard mandates that the Date of Last Activity ( DLA ) be reported consistently, reflecting the accurate last date of account activity. The disparity in these dates significantly impacts the account 's aging on my credit report. 
Failure to Report High Credit Accurately : XXXX reports the high credit as {$4100.00}, while XXXX incorrectly reports it as {$0.00}. This failure to report high credit consistently is another violation of XXXX XXXX standards, which require accurate reporting of all account fields to ensure fairness and accuracy in credit reporting. 
Permissible Purpose Violation and Unauthorized Reporting : This account was reported on my credit report without my explicit authorization, constituting a violation of the FCRAs permissible purpose provisions. Under XXXX XXXX guidelines, data furnishers must have a permissible purpose for reporting accounts, and in this case, GS Bank USA has failed to comply with this requirement. 
Previous Efforts to Resolve : I have made multiple attempts to correct these inaccuracies by contacting both XXXX and XXXX, providing all necessary documentation to support my claims. However, both bureaus have failed to adhere to XXXX XXXX standards and the FCRA by not correcting these errors or removing the unauthorized and inaccurate information.
Product: Debt collection

this account was charged off more than 180 days ago in accordance to the federal law if something was charged off more than 180 days it is illegal for the original debtor to sell that to a third party collection office and they have received a tax credit and it is illegal to double dip i am insisting that this be removed off my credit within the next thirty days.
Product: Credit reporting or other personal consumer reports

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts and addresses I do not recognize are continued here. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX Balance : {$360.00} XXXX XXXX  XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$15000.00} XXXX XXXX  XXXX Balance : {$25000.00} XXXX XXXX  XXXX Balance : {$25000.00} XXXX XXXX  XXXX Balance : {$5800.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$2900.00} XXXX  XXXX ( Original creditor : XXXX XXXXXXXX XXXX XXXX ) Balance : {$1400.00}
Product: Credit card

On XX/XX/XXXX, I purchased XXXX XXXX. However, I did it without knowing I was able to fully commit due to health concerns. 

I made the initial dispute on XX/XX/year> after trying to resolve the issue with the merchant through email on XX/XX/year>. They refused to refund me even though I never used their product or started the workshop. 

On XX/XX/year> Citi bank completed their investigation and say I the customer am responsible. This is completely unfair. 

The amount is XXXX $ This is a huge amount of money wasted in this economy over something I NEVER USED. 

I do not want this claim to affect my credit score.
Product: Money transfer, virtual currency, or money service

Iam writing to informally express my concerns regarding Zelles handling of disputes particularly in light of recent CFPB lawsuit highlighting significant issues with the platform.Despite using zelle numerous times and reporting discrepancies, my financial institution and Zelle fail to investigate my claims adequately they inform me that recovering lost funds was the impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers privacy
Product: Credit reporting or other personal consumer reports

under the fair credit reporting act it is a violation to report inaccurate or in error information to the consumer credit reports Learning that someone stole your identity can be extremely stressful enough I have all required documentation that is asked of to remove the following accounts that was not authorized by me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I have sent to Experian unauthorized inquires which are still reporting on my credit report. I am fully aware that inquires remain on your report for 2 years, the problem is, that I did not authorize and they need to be removed immediately. 

.There are inquires showing on my credit report that I did not authorize. XXXXXXXXXXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX. XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  are reporting incorrectly a collection/charge-off account in the amount of {$13000.00} on the XXXX/XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me. My now deceased husband took out this loan and signed this agreement on his own. I did not sign any documents with XXXX XXXX. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.