23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I was charged {$500.00} two times for product I have never received. The bank is refusing to refund money for these fraud charges and they are backing up their partners Apple, Inc. They said they have the rights to charge my card and I cant do anything about it. This credit card with gold man sacks is called apple credit card that is why they are taking apple side! 
I have not made these transactions and i want my money back asap!
Product: Mortgage

On XX/XX/XXXX, my husband died while visiting our daughter in XXXX. I took a loss and sold our condo in XXXX XXXX. I presented the death certificate at closing and gave Bank of America ( BOA ) an original copy of it at the banking center on XXXX XXXX. 
The loan was paid off and a remaining escrow check was sent in the name of my husband, XXXX XXXX, on XX/XX/XXXX, ( check no. XXXX ) in the amount of {$2300.00}. 
Our joint account was forced closed by XXXX XXXX when they received notice of his passing, therefore I had no account to deposit it to with XXXX 's name. I took it to Bank of America which stated I would have to open an Estate account to deposit the check and would need to file with the courts. 
With the help of an attorney, the Circuit court Judge for XXXX County Probate Division, Honorable XXXX XXXX XXXX, signed the Order of Disposition of Personal Property without Administration ordering BOA to reissue the check in my name on XX/XX/XXXX at XXXX XXXX. This order was sent to BOA by my attorney on XX/XX/XXXX. I followed up with a call on XX/XX/XXXX ( After 1 hr, 51 minutes on hold ). XXXX ( BOA Rep ) stated I needed to call back and speak to the Estate services Dept., XX/XX/XXXX XXXX and XXXX from Estate Services Dept. said they don't see the document. XX/XX/XXXX I had my attorney send it again to the name change unit via Fax at ( XXXX ) XXXX and through mail XXXX XXXX XXXX XXXX, Fl XXXX. 
XX/XX/XXXX ( After 1 hr. 21 mins. on hold ) XXXX ( BOA Rep ) stated she didn't see the documents. I told her they had already been sent twice. She researched another location and finally found the documents and submitted a request for check processing stating the estimated time would be XX/XX/XXXX before I'd hear back and gave me Request ID # XXXX to reference. 
On XX/XX/XXXX I received a letter stating BOA needed more time to research the request and would send a response in 15 days. As of XX/XX/XXXX, I haven't heard anything further. XX/XX/XXXX ( After being on hold for 1 hr. 34 minutes ) XXXX ( BOA Rep ) stated the check was reissued on XX/XX/XXXX but was unsure why it wasn't sent and transferred me to XXXX which stated she couldn't release any information because I'm not on the account and has no record of any court documents. She stated she had the account up and didn't need to look at request ID # XXXX. After I insisted on speaking to a manager, she stated they would call me back in 48 hours. 

This is the same process I have repeated on 2 prior occasions. I have spent over {$500.00} in attorney and filing fees trying to get BOA to refund me the {$2300.00} I paid into escrow and still no progress after a year!! I don't know what else to do
Product: Mortgage

NFCU has taken over 90 days to close on a simple XXXX XXXX loan. Still not closed because they can not seem to get the closing documents accurate. 

I was instructed to lie about my income, XXXX  status, and identification. When I made the request to have these documents corrected, I was told it " didn't matter. '' Well, it matters to me, and it matters to me that a banking institution would practice business this way. 

I have been a loyal customer, no more, and I don't recommend you take the risk either. Your information, money, and, more importantly, your credibility are in jeopardy if you engage in business with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was used without my permission to open a fraudulent account and apply for unauthorized fraudulent inquiries. I have contacted the credit bureaus and furnishers of this data to report the inaccurate activity. I am now contacting law enforcement about being a victim of identity theft : Fraudulent account Procollect inc balance {$170.00} XXXX XX/XX/XXXX Fraudulent inquiries 1. XXXX  XXXX XX/XX/XXXX XXXX. XXXX XXXX  XXXX XX/XX/XXXX 3. XXXX XX/XX/XXXX 4. XXXX XXXX XXXX XX/XX/XXXX 5 XXXX XXXX XXXX  XX/XX/XXXX 6 XXXX XXXX  XX/XX/XXXX 7.XXXX XXXX XXXX XX/XX/XXXX 8.XXXX XXXX XXXX XX/XX/XXXX 9. XXXX XXXX XXXX XXXX XX/XX/XXXX 10. XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX 11. XXXX XXXX XXXX XXXXXX/XX/XXXX 12. XXXX XXXX XXXX XX/XX/XXXX 13. XXXX XXXX XXXX XX/XX/XXXX 14. XXXX XXXX XXXXXX/XX/XXXX 15. XXXX XXXX XXXX XX/XX/XXXX 16.XXXX XX/XX/XXXX 17.capital XXXXe XXXX XXXXXX/XX/XXXX 18. XXXX XXXX XXXX XXXXXX/XX/XXXX 19. XXXX XXXX XXXX XXXX XX/XX/XXXX 20. XXXX XXXX XXXX XX/XX/XXXX 21. XXXX XX/XX/XXXX 22. XXXX XXXX XXXX XX/XX/XXXX 23XXXX bank XXXX XX/XX/XXXX 24 XXXX XXXX bank Delaware XX/XX/XXXX 25. XXXX XXXX XXXXXX/XX/XXXX 26. XXXX XX/XX/XXXX 27. XXXXXXXX XXXX XXXX  XX/XX/XXXX 28.XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 2. XXXX XXXX XXXX XXXX tx XXXX 3. XXXX XXXX d XXXX XXXX  XXXX tx XXXX 4. XXXX XXXX XXXX XXXX XXXX tx XXXX 5.XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX tx XXXX 6. XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 7. XXXX XXXX XXXX XXXX tx XXXX
Product: Debt collection

4 or 5 phone calls a day with no one on the other end of the line
Product: Mortgage

Date : XX/XX/2020 Mortgage Company : Mr. Cooper Attn :  Customer Relations XXXX XXXX XXXX XXXX, TX XXXX I have written and called the above mortgage company regarding {$1500.00} they took from my checking account without my permission. As of the date of this email there has been no attempts of the company to resolve this issue. 

They had an authorization to take {$450.00} monthly to pay for my mortgage. They took {$1200.00} on XX/XX/2020 and {$1200.00} in XXXX. After numerous calls and request to refund the unapproved amount they have yet to reimburse me these funds. As a senior citizen on a fixed income overcoming XXXX XXXX, this has placed me in a financial hardship. Please assist me in getting a refund of my {$1500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX in XXXX A social security Scam was ran on me, putting me over {$30000.00} in debt, previous to that I had a excellent credit score at XXXX i think, give or take! XXXX I did a police report, life spiraled into crisis covid came, then was unfortunately XXXX  for a year! Around XXXX of XXXX, I started paying my debt, paid it off around XX/XX/XXXX! 2 years of struggle, and covid, but i still handled my debt responsibilities! But my credit score is only XXXX, but it was XXXX before I got scammed and I've had secured, 3 secured cards for close to a year! I actually paid my debt off and sustained credit cards to show my credit worthiness! 

Who can I write or speak with, i haven't been given a reason why my credit score wasn't restored after I paid my debt off! And I also had 3 secured credit cards while paying my debt off!
Product: Bank account or service

I am a Wells Fargo bank customer for the last 16 years. On XXXX XXXX 2016 I used the SurePay program to send money to my XXXX XXXX XXXX XXXX XXXX, in the amount of {$400.00}. According to the website ( XXXX ) an email is sent to the recipient, they confirm the bank account and then the money is sent to this person. I did this but XXXX never received an email. Apparently since we had do this 2 years previously the money went straight to a previous joint account she had and was no longer on this account. ( It was a joint account with XXXX 's ex-husband XXXX ) Again no email or text was sent to XXXX verifying the correct recipient as the website indicates will happen. 
I filed my 1st complaint on XXXX XXXX 2016. 10 days later it was denied. I filed 2nd complaint and XXXX filed complaints as well. All denied. I involve the XXXX branch manger XXXX. Also denied. This violates the XXXX XXXX XXXX Wells Fargo publishes. ( XXXX ) At this point {$400.00} has gone to XXXX and he is not going to give it back. ( I asked ) The problem is that Wells Fargo did not follow their own published process which would have avoided this error. 
A XXXX issue is this is a clear AML ( Anti-Money Laundering ) issue. Their system allows and facilitates the flow of funds to recipients not listed in the request. The criminal element is likely exploiting this flaw already.
Product: Credit card

XX/XX/year> - Logged into acct to check balance on Chase card. Pymt is due XX/XX/year>. 
We have minimum auto pay set up. Went to Pay & transfer to see statement balance but instead saw error messages " We're having some trouble showing your account balance right now. Please try again later. '' XX/XX/year> - Tried again later and logged into acct to check statement balance and received same error message. Went to Help & Support, " Send us a message '' with email icon. It would not allow an email message to be sent. I used Chase 's ADA message board to eventually send a message. 

I have received this error message in the past. It makes it difficult to budget ahead of time to pay the statement balance. So what happens is the automatic minimum is paid and our account is charged interest when not paying full statement balance.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted dispute to Equifax regarding a hard credit inquiry I did not authorize from XXXX XXXX XXXX on XX/XX/2018. Dispute confirmation # XXXX. I did not provide any social security number or signature to XXXX XXXX XXXX, and was informed by company in-store associate that there was no credit check. Spoke with associate at XXXX XXXX XXXX Customer service hotline on XX/XX/2018 and was ensured that the inquiry would be removed. Equifax did not verify any social security number, or signature to any paperwork- because no signature or social security number was provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Mortgage

First of all the PHH Mortgage company is overcharging me for fees and late charges.I didn't know my mortgage was sold to PHH mortgage company in XXXX, XXXX. PHH mortgage had the wrong mailing address, they admitted they received the returned mail I have owned the house for over 17 years and i have never been harassed and charged so many fees. 
I know i have equity in the house and i feel like the mortgage company is purposely trying to make me lose the house and have it go in foreclosure. 
I have set up for automated payments and I had that canceled by them. 
I have also been making the payments and have had late on my credit reporting. This is the reporting for month on XXXX, XXXX & XX/XX/XXXX ( during the coronavirus ) This isn't my first home I have owned. I appreciate any help i can get to investigate this mortgage company.
Product: Credit reporting or other personal consumer reports

I am writing once more to express my perplexity regarding your credit bureau 's handling of the investigation into the fraudulent account on my credit report. As you are aware, I have submitted the required XXXX report to the XXXX XXXX XXXX regarding this fraudulent account, and following this submission, XXXX and XXXX have removed this account from their records. I have also directly contacted the bank associated with this account, and they have confirmed the removal of the account. Therefore, I am puzzled as to why this account is still being reported by your bureau. It is imperative to recognize that as a credit bureau, you are legally mandated to ensure the accuracy and timeliness of your records. Failing to remove this fraudulent account not only violates this obligation but also exposes me to further harm. 

XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

On XX/XX/XXXX, my brother, sister, and I closed on the sale of a house that we inherited from our parents. The money was wired into our account at XXXX XXXX. My brother, as treasurer of the LLC, sent me a check for {$10000.00}, part of my share of the proceeds. I deposited the check to my USAA account on XX/XX/XXXX. On XX/XX/XXXX, I received a text message from my phone company saying my payment of {$45.00} was declined, which seemed quite odd since I had just deposited {$10000.00} three days before. I looked at my checking account and it was exactly {$10000.00} short. I called USAA and was told that XXXX XXXX  had reversed the check. I then called my brother and told him, and he went to the XXXX XXXX  branch, on XX/XX/XXXX, where the account had been opened and spoke to the manager. The manager stated that XXXX needed to verify that the check was valid. At no time did anyone at XXXX XXXX  try to contact my brother to verify the check, and the manager admitted that nobody actually tried to contact my brother to verify the validity of the check. I then told my brother to wire {$50000.00} to my USAA account, which would cover most of my proceeds from the sale of the house. With me still on the phone, XXXX XXXX  made the wire transfer of {$50000.00}. We stayed on the phone until the transfer showed up in my USAA checking account. The following day, I logged into my USAA account to pay bills and saw that my balance was {$0.00}. USAA had taken all of my money because they assumed it was fraud, based on the {$10000.00} check that XXXX reversed. They kept my money for almost a week, leaving me with nothing, no way to buy food or pay bills. They did suggest I could use my USAA credit card, but that was not possible since they would not give me any access to my money to pay the bill. USAA has since decided that, despite me being a USAA member since XXXX and a banking customer since XXXX, that I was somehow a criminal and has put restrictions on my account. I did open a new account at a credit union and added that account to USAA bank transfers but USAA will not allow me to transfer my own money from my own account to my own account. I am also not allowed to use XXXX to send money to friends. USAA said they will be " reviewing '' my account again after six months, but the account will be closed by then.
Product: Debt collection

ON XX/XX/2024, I discovered a collection account in the amount of {$3600.00} - company pay tomorrow. This account does not belong to me.
Product: Debt collection

I filed an dispute with XXXX on XXXXX-2017. XXXX, XXXX to provide contract with my authentic signature. Moreover, should contract with my authentic signature not be available, delete tradeline from credit bureau. Advised, XXXX that they are allotted 30 days to provide disputed results to me. Never received correspondence from XXXX.
Product: Debt collection

I received a summons suing me in XXXX California by a debt purchaser XXXX XXXX XXXX for a claimed debt to XXXX Mastercard/XXXX  XXXX  XXXX  XXXX XXXX for {$3900.00}. I never had an account with XXXX Mastercard. I have had no credit cards since my bankruptcy filing in 2012. I only have a debit card. I live in XXXX California, very far from XXXX. 

My identity was stolen in the XXXX hacking incident a couple of years ago and I believe this may be a fraudulent account opened with my stolen information. The summons had no documentation showing I had opened the claimed account the debt purchaser is suing me for. I have not tried to contact the company because I have no information on the company, its address, or the account number I supposedly opened.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient fund when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. i believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

Capital One had a XXXX XXXX XXXX  XXXX XXXX XXXX dismissed with prejudice in my favor, XXXX XXXX. Despite this, Capital One continues to request my updated phone number and has not removed all related documents from credit bureau agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

i recently disputed the inaccurate and incomplete items being reported on my credit report by TransUnion and XXXX and i need assistance in this matter, per 15 USC 1681 require that all information be 100 % accurate and complete before reporting. i have attached copies below
Product: Credit reporting or other personal consumer reports

Please help me get these unauthorized inquireis of my report : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX
Product: Credit card

On XX/XX/year> I was informed that my application for a new credit card through Wells Fargo had been denied. Neither my wife or I had applied for a new credit card through this institution. We have not applied for any credit cards at all, leading me to believe that this was done fraudulently as it requires personal information/sensitive information regarding my identity.
Product: Credit reporting or other personal consumer reports

I have not supplied under the doctrine of estoppel by the silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have an Auto Loan through XXXX XXXX and have noticed inaccurate late payment reporting 's on my credit report. Upon finding these discrepancies I immediately disputed the late payments through the credit bureaus individually that reported incorrectly and no correction was made. Per section 312 of the Fair and Accurate Credit Transaction Act it is required by law to issue guidelines for furnishers regarding the accuracy and integrity of the information about consumers furnished to consumer reporting agencies ; prescribe regulations requiring furnishers to establish reasonable polices/procedures to implement the guidelines ; and issue regulations identifying the circumstances where a furnisher must reinvestigate a dispute about the accuracy of information in a consumer report based on a direct request from consumer. Furthermore, my rights were violated after requesting an investigation to rectify these inaccurate reporting 's and no changes were made. 
Listed below are the following incorrect reporting 's listed on my credit report that need to be corrected to appear as On Time Payments. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am filing this complaint regarding TransUnion 's failure to remove inaccurate information from my credit report despite multiple dispute letters and notification to the FTC. Both XXXX and XXXX have removed the following accounts, yet TransUnion continues to report them inaccurately : Office of Attorney General ( XXXX XXXX XXXX XXXX ) Incorrect payment history from XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX 
Office of Attorney General ( XXXX XXXX XXXX XXXX ) Incorrect payment history from XX/XX/XXXX XXXX XXXX XXXX XXXX This account is also reporting conflicting data, with a payment status of " 120 days past due '' while the payment history reflects " 90 days late. '' Additionally, the balance on this account is incorrect. 
Despite being notified through multiple dispute letters, TransUnion has failed to conduct an independent investigation and instead continues to rely solely on creditor-provided information. This practice violates the Fair Credit Reporting Act ( FCRA ) and the precedent set by XXXX XXXX TransUnion XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), which requires credit reporting agencies to perform a reasonable investigation rather than blindly accept creditor-provided information. 

TransUnions failure to remove these inaccurate accounts from my report constitutes negligent non-compliance under the FCRA. I have attached a copy of my FTC notification and documentation of the erroneous accounts for your reference.