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

USAA Federal Bank closed my bank account with any notice or any heads up. By them closing my bank account it effected my direct deposit from my job, and cause an eviction notice for me and my family. I had made some disputes because all my personal information was stolen including my SSN, and I reported the claims. But instead of USAA trying to help resolve the situation, my account was closed without any notifications or warnings.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Wells Fargo for mishandling my auto loan account and reporting conflicting charge-off and write-off statuses, which has negatively impacted my credit, career, and financial ( and thus emotional ) stability. To detail : On XX/XX/XXXX I called Wells Fargo because my credit report currently states that the account was both charged off and fully written off for the full balance of {$27000.00}, yet the company continues to report the full balance as due. If the debt was truly written off, I should have received a 1099-C form per IRS regulations XXXX However, Wells Fargo has not provided this form. 

The supervisor I spoke with asked me if I received the 1099-C form and after I said that I didn't, she then continue to state that they haven't written it off on their taxes as of yet. If this is the case, then they should not have been reporting it as such to the credit bureaus, as that would be false reporting.This representative then continued to incorrectly claim that charge-off and write-off are the same thing, which is misleading and contradicts financial regulations. 

Some unfair collection practices I've been enduring with them include : - Despite my attempts to make large partial payments, Wells Fargo refused to accept anything other than full payment or a settlement ( that would still harm my credit ). 
- Their refusal, combined with conflicting reporting, raises concerns about deceptive collection practices. 

On top of this I've also endured restricted account access & lack of proper communication : - Wells Fargo removed my online access months before the charge-off XX/XX/XXXX, making it difficult to track my account. 
- They failed to notify me properly about the charge-off or provide clear options to resolve it. I've been completely alone and in the dark trying to navigate resolving this issue. 

All of this has caused harm & statutory damages to me as a consumer. Due to this reporting, my credit has suffered severely, preventing me from securing housing, employment, and loans. Overall, I feel their actions have resulted in financial hardship that could have been avoided had they been willing to work with me. 

Attached, you will find the recording of the call with this Wells Fargo supervisor in my CFPB letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX Balance Owed : {$13000.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$0.00} ; ( Original Creditor : XXXX  ) XXXX BalanceOwed : {$0.00} ; XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the Company Names and Account numbers listed below has violated my rights. 

account number XXXX XXXX XXXX XXXX {$820.00} XXXX XXXXXXXX {$2100.00} XXXX XXXX XXXXXXXX {$930.00} XXXXXXXX XXXX XXXXXXXX {$840.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 USC 1681 section 602 A. 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 Also, listed below are two accounts ( * ) that were ( inaccurately ) listed twice on my credit report.

[ 15 U.S.C. 1681 ] ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
Product: Credit card

XXXX I paid XXXX account with citicard in total and I asked to close the account and today citicard is charging me, chages for an account and they don't want to close the account
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX 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: Debt collection

National Credit Adjusters added an account to my credit file without ever notifying me nor providing me written notice even to dispute this claim. 

My credit file states that they added this account on XX/XX/2021, however, it started reporting on XX/XX/2021. Again, no knowledge or was I allowed any opportunities to dispute. Provide proof where your company notified me of this debt. 

The entry states the that original creditor is XXXX XXXX XXXX XXXX XXXX for {$860.00}. Please provide me the original documents that give you justifications to collect any debt from me. The amount of the original debt to include the date I contracted to do business with your firm. 

I am requesting that you provide the amount you say I owe you and the signed documents where I contracted to do business with your firm. Specifically I am requesting you verify and validate this debt as I was not legally notified. 

I request that you provide my your authority to do business in my state by providing me with your license no. for debt collection in the state of Texas.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX the following accounts has violated my rights. 
XXXX XXXX Account # XXXX XXXX. XXXX Account # XXXX XXXX. XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXccount # XXXX XXXX. XXXX XXXX XXXX  XXXX Reference # XXXX XXXX. XXXX XXXX XXXX XXXX XXXXeference # XXXX 15 U.S.C. 1681 Section 604 A States : I have the right tp privacy.

13 U.S.C. 1681 Section A Section 2 : States a consumer reporting agency can not furnish accounts without my written instructions.
Product: Credit reporting 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 15 USC 1681. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and list of Inquiries. 

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: Money transfer, virtual currency, or money service

XX/XX/year>, navy federal credit union made two withdrawals without notification or authorization to my checking account. One transactions were for XXXX XXXX and the second transactions was for XXXXXXXX XXXX When I called to inquired about transactions, I spoke to both navy federal and XXXX agents who claim to have proof I scammed someone via XXXX when in reality I dont know who this person claiming I scammed them. According to both policies, each company lied about the reversal policy. XXXX policy on the website states XXXX payments can not be reversed. With XXXX money moves into an enrolled recipient 's account within minutes and can not be reversed. According to navy federal policy via website states There's no dispute process/purchase protection if you don't receive goods you were promised, and you'd have to handle the matter directly with the recipient yourself. Yet navy federal and XXXX reversed a payment without proof of me scamming. The only reason I know its a scam because I dont know who the person is nor to the person have any record of any communication with me about buying or selling anything. I talked to multiple people at navy federal and they state its nothing they can do about yet my money in my account is gone. I am an innocent bystander and if they done this to me how many ppl is out of their money because someone lied. I am a single mother and I worked extra hard for what they have taken and refuse to get back. I want to sue both companies
Product: Mortgage

This is my second FCPB complaint with Freedom Mortgage, A loan officer called me after 3 weeks of trying to get ahold of them. They promised the world and would help me out, My credit score met the minimum but after they ran my credit it drop by 2 points and I was denied. They have refused to contact me their customer and explain the situation or even try to work with me. So far I have spent over 1 month trying with my lender to refinance my loan and have had no luck or no one to speak with with the exception of 1 20 mn phone call and nothing after that.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these said violations and struggles it has caused
Product: Money transfer, virtual currency, or money service

On XXXX, XX/XX/24, I received a notification on my phone, from Bank of America, regarding a fraudulent charge to my account. The charge was for {$50.00}. I responded via text that NO, I did not authorize the charge. Right after that, I received MULTIPLE phone calls from the Bank of America phone number XXXX. I was already panicked about the fraudulent charge, at my elementary school where I work, WORKING ... .and with the amount of times that my phone rang DIRECTLY FROM A BANK OF AMERICA LINE... I finally picked up. 

The gentleman on the other end of the phone impersonated a bank employee, listed off a fake employee number, and told me that there was a large XXXX transaction that had been made, fraudulently, and that I needed to put in these codes to " retrieve my money ''. That was a lie. I was already stressed with work, getting my son to school, a fraudulent charge, and so I wanted to remedy the fraudulent XXXX charge as quickly as possible. My mistake, I didn't think that someone could tap into a SECURE LINE with Bank of America to commit fraud. {$2400.00} was stolen from me by someone impersonating a BOA fraud representative from the very same number that is the ACTUAL fraud number for BOA. 

I submitted all information to Bank of America and just received a letter that stated that my fraud claim is being denied. 

Bank of America is not holding itself responsible for someone hacking into their secure line and taking advantage of their customers. The language that they use to warn against fraud is limited. They don't care that someone is literally using their phone number to conduct business. Millions of customers trust BOA with their money, their credit, their savings, and their lives. How can we trust a bank that won't take responsibility for their security shortcomings? They KNOW that this is happening and they are doing nothing. I have been a BOA customer for upwards of XXXX years and I am appalled at their lack of concern.
Product: Debt collection

XXXX, XXXX and Complaint  against Bank of America and XXXX XXXX XXXX. 

From XXXX to XXXX Bank of America accepted my money which were processed and endorsed by XXXX XXXX XXXX XXXX under unknown to me authorities into an account owned by unknown to me parties. 

In XX/XX/XXXX XXXX XXXX XXXX paid for my home Insurance for property located at XXXX XXXX XXXX, XXXX, XXXX, under unknown to me authority. 

In XX/XX/XXXX I received unsigned " Total PayOff Statement '' from XXXX, XXXX where I was directed to wire my money to XXXX XXXX XXXX, who provided me routing number which belongs to XXXX XXXX  XXXX XXXX where XXXX XXXX XXXX XXXX XXXX XXXX is on Board of Directors. 

When I asked XXXX XXXX XXXX to verify ownership of this account, XXXX said that they act as banking institution for XXXX XXXX XXXX XXXX XXXX XXXX This is a lie. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), is a fictitious corporation XXXX XXXX XXXX XXXXXXXX ], which was formed on XX/XX/XXXX by XXXX XXXX XXXX XXXX who was financed by XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX ( XXXX XXXX ) as founding co-sponsors. On XX/XX/XXXX XXXX, XXXX and XXXX formed XXXX XXXX XXXXXXXX XXXX ( XXXX ), with only one initial filing. They never filed any mandatory Corporate disclosures or Statements of Publically Traded company in XXXX so as a corporation, XXXX is as fake as XXXX. XXXX is managed by XXXX XXXX XXXX XXXX XXXX, a wholly-owned subsidiary of XXXX XXXX XXXX XXXX XXXX and an investment adviser registered with the Securities and Exchange Commission that specializes in mortgage assets [ which neither XXXX or XXXX never had ]. Their correspondent production operations are conducted on a fee-for-service basis by another XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX which also services most of the loans in their investment portfolio and the loans for which the retain the obligation to service. { which is a lie because XXXX does not service anything ] Thus, XXXX XXXX XXXX, XXXX can not be my creditor under its own corporate structure, even IF XXXX were a real corporation, not a fictitious entity registered for the use of its name only, similar to America 's Wholesale Lender which was not registered at all. 

On XX/XX/XXXX XXXX sent me a Form filed by unknown to me parties where my alleged " loan '' is " pooled " with XXXX XXXX XXXX on XX/XX/XXXX. So, its unclear how defunct since XXXX XXXX can hire XXXX XXXX XXXX to transfer my Mortgage to fake corporation XXXX if this mortgage was pooled in XXXX security three months earlier. And whom fake corporation XXXX is servicing all this time. 

I demand disclosures from BOA and XXXX who is the owner of accounts where my money are deposited or demanded to be deposited ; the name of the Company and its authorized officer who hired XXXX to make the payment for my home insurance
Product: Mortgage

The company ROUND POINT, was suppose to make my home insurance payment, but they sent the check to the wrong address, or so they say. They wanted me to issue another check, but they made the mistake I tried to speek to someone in the office, but they were giving me the run around, I was STRESSING out. I wanted answers, that's why I contacted your company, PLEASE HELP ME. I want some action takin to this company!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Transunion is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update them immediately in my report : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 an account without my written instructions.
Product: Money transfer, virtual currency, or money service

{$35.00} Refund due.  Amazon  refuses.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX Date Reported - XX/XX/2018 Payment Status - 120 Days Late Account Status - Transferred Account Type XXXX XXXX XXXX XXXXIndividual Original Loan Amount - {$16000.00} 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report every day and I checked my report on XX/XX/XXXX to find out XXXX  XXXX and Barclays bank has added 3 inquires illegally to my credit profile from XXXX of this year that wasn't showing at all until XX/XX/XXXX these inquiries are fraudulent and are not mine I have not applied for XXXX  XXXX or Barclays bank and am not currently a cardholder with these companies these inquiries should be removed immediately ... also the address they provided they say the application was made with of XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX and phone number ( XXXX ) XXXX isn't my address I have never lived or resided at that address at all
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX as Trustee Under Pooling & Servicing Agreement bought my mortgage, which was sold to HomeQ, then Ocwen and then to PHH Mortgage. Ocwen Loan # XXXX, HomeQ  Loan # XXXX, Property Address : XXXX XXXX XXXX XXXX, XXXX, GA XXXX ( XX/XX/XXXX ). 

I obtained a HAMP modification with HomeQ Servicing on XX/XX/XXXX. At the time of my modification the new principal balance was {$200000.00}. When the loan was transferred to Ocwen they  added deferred principal of {$83000.00} and extended the loan from 30 years to 44 years. Bottomline, since I have been paying on this loan ( XXXX to today - 14 years ), my principal balance is showing {$250000.00}, when the original loan amount was {$270000.00}. This means that with 168 payments ( over 14 years ) of approximately {$1200.00} ( each month ) = {$210000.00} paid, PHH Mortgage is saying I only paid down {$22000.00} from the principal. This does not make any sense. I need to see the entire amortization schedules from the onset of this loan. 

Please help me investigate this. Thank you. XXXX ( XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

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

On XX/XX/XXXX, a credit card charge for {$310.00} was posted for an order I made from XXXX. On XX/XX/XXXX, after many attempts to contact the vendor, I still had not received the goods, so I disputed the charge with Bank of America and received a credit for the {$310.00}. On XX/XX/XXXX, I received the parts and contacted Bank of America to cancel the dispute at which time the charge of {$310.00} was replaced on my card. On XX/XX/XXXX, Bank of America charged me {$310.00} on my card. 

I attempted to call Bank of America about such charge and I've been oh hold for over an hour due to being transferred to the wrong dept. multiple times ( XXXX XXXX -> XXXX  -> lady that wouldn't give me her name that said she was going to transfer me to a specialized dept. but then just put me on hold and didn't say anything ). At the time of writing this complaint, I have been on the phone for 1 hour and 15 minutes. An investigation into their practices needs to be completed as they should have the controls in place to ensure this type of fraud by the bank doesn't occur. How many others have been wrongfully charged?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has taken my case against Citibank and I am requesting statements from XXXX to XXXX from Best Buy and Citi Costco. I need to have copies for my records. As this account had fraudulent balances that were never resolved by Citibank. The credit reporting that they continue to report I will be seeking penalties and damages for the financial hardships it has caused.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wrote letter to National credit adjusters to remove reporting as it was reported incorrectly and is paid. With no response submitted certified letters to XXXX on XX/XX/XXXX and XX/XX/XXXX to remove unverified account from collector as XXXX has submitted information that this information has been removed and all reports to reflect the most accurate details. Returned auto letter to me stating account verified when I have not received any verification details such as a contract with National Credit Adjusters account number XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX KS XXXX.
Product: Credit reporting or other personal consumer reports

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and XXXX XXXX XXXX XXXX XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.