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

As the executor of my father 's estate, I wanted to continue using the two bank accounts he already had set up with Wells Fargo. I conveyed this desire to the Wells Fargo banker when I set up the estate account ( last 4 digits are XXXX ), and he said there was no problem with that, and we set up the account. I would estimate that a few months ago, I received a phone call/letter from the insurance company that was being paid out of my dad 's old checking account. The auto payment that was set up had bounced back. When I contacted Wells Fargo about it the first time, they tried to tell me it had nothing to do with my accounts. Then I discovered that my father 's checking and savings account had been locked. Upon further time consuming phone calls and branch visits, I was told that a " back office '' Wells Fargo employee had taken it upon themself to lock my father 's old accounts. After a great deal of wasted time, the banker at the WF branch next to the XXXX XXXX XXXX XXXX in XXXX XXXX CA told me that my only option was to close my father 's 2 accounts and move the funds to the estate account. This was NEVER raised as a problem when I first opened the estate account with Wells Fargo, and the banker who I did it with clearly knew that I was also managing my deceased father 's two accounts. Wells Fargo also mailed a check to my father for {$25.00} which I unfortunately mis-placed. Unfortunately, the letter that accompanied the check did not state what it was for. I can only speculate that perhaps his local branch had opened accounts he did n't know about. My efforts to have Wells Fargo re-issue that check have been blocked every step of the way. I 've worked with XXXX ( sp? ) at the XXXX XXXX branch, who had put in multiple calls to his Wells Fargo colleagues during the past 2 months, but alas, has nothing to show for it. I 'm disappointed that : A ) Wells Fargo did n't tell me originally that it would be an issue to keep my father 's checking and savings account open. B ) I learned that they froze his accounts- not because Wells Fargo staff contacted me to tell me, but after my insurance company 's auto-pay transaction did not go through b/c Wells had frozen it. And, the first time I called to ask about this, the Wells Fargo person erroneously told me the bank had nothing to do with the transaction not going through. C ) Getting a simple check re-issued for {$25.00} has turned into a saga with Wells Fargo, and even working with a local banker, it appears to be impossible.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  transferred my mortgage in XX/XX/XXXX. XXXX # XXXX I recently checked my credit report after my score dropped significantly for no apparent reason. 
My credit report shows that XXXX XXXX  reported a Late Payment to XXXX  for a XX/XX/XXXX payment. 
I disputed this late payment on a closed account ( closed/transferred in XX/XX/XXXX ),  via XXXX and Statebridge did not correct it. 
My lower credit score as a result of this incorrect late reporting on an account that has been closed for 5 years, is preventing me from qualifying for a new home. 

I am attempting this CFPB approach as a final attempt to get this corrected before I retain the services of an attorney to sue XXXX XXXX and to be made whole.
Product: Money transfer, virtual currency, or money service

On XXXX was issued a payment from a customer for {$150.00} for a deposit on venmo. The customer stated couple hours later they wanted the money back so we issued a refund and included transaction # for previous transaction. The customer issued a charge back on XXXX thru XXXX XXXX XXXXXXXX for the {$150.00}. So venmo took out the {$150.00} from my account on XXXX. I contacted the customer to see why the chargeback was issued and they said it was in error and would contact the bank to cancel dispute. I gave all evidence to venmo and they sent a dispute to XXXX XXXXXXXX XXXX. I hadn't heard from venmo and reached out several times to venmo who claims the chargeback is still pending. I spoke with customer and XXXX XXXX  XXXX both who verified the chargeback was canceled on XXXX and finalized on XXXX and sent to venmo. Venmo has yet to release the funds they took from me almost 40 days AFTER the chargeback has been withdrawn. I issued a bbb complaint on XXXX XXXXXXXX XXXX and venmo which XXXX XXXXXXXX XXXX called to confirm it has been canceled. Venmo has yet to respond to the bbb. I called venmo several times and get a different reason why the money hasn't been returned or that there is another step to the process that has to be completed before they will give money back!
Product: Credit reporting or other personal consumer reports

Back in 2023, my husband and I have decided that we want to take the necessary steps of buying a house and pulled our credit reports to see make sure it was in good standings. I am writing to file a formal complaint regarding the actions of State Employees Credit Union ( SECU ) in relation to my account ( XXXX ) and their failure to provide necessary documentation, as well as their wrongful reporting practices, which have had severe consequences on my financial stability and well-being. 

According to Section 15 USC 1681 ( g ) of the Fair Credit Reporting Act ( FCRA ), consumers have the right to request and receive a copy of any XXXX forms for XXXX debts. Despite repeated requests to SECU, I have not received the required XXXX forms for the charge off ( XXXX ) associated with my account ( XXXX ). This failure to provide essential documentation has left me in a precarious financial situation, impacting my ability to provide for my family and jeopardizing our well-being. 

Furthermore, under Section 15 USC 1681 ( a ) ( XXXX ) of the FCRA, creditors are obligated to provide accurate information to credit reporting agencies. However, SECU has wrongfully reported these charge off accounts, which have had a detrimental effect on my XXXX XXXX and financial standing. This inaccurate reporting has exacerbated the challenges I face in maintaining my financial stability and has hindered my ability to access necessary credit and resources. 

Additionally, I have submitted disputes regarding these fraudulent accounts to SECU. However, despite my efforts to rectify the situation, SECU has continued to report these disputed accounts, further damaging my XXXX XXXX and exacerbating my financial hardships. According to FCRA regulations, reporting on disputed accounts should be suspended until the dispute is resolved, yet SECU has disregarded this requirement, causing significant harm to my financial well-being.

Therefore, I urge the Consumer Financial Protection Bureau to investigate these violations of the FCRA by SECU and take appropriate action to ensure that my rights as a consumer are upheld. Specifically, I request that SECU be compelled to provide the necessary XXXX forms for the charge off ( XXXX ) in question and that the wrongfully reported accounts be removed from my credit report immediately. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take swift and decisive action to address these violations and protect consumers like myself from unjust and harmful practices by financial institutions.
Product: Credit card or prepaid card

My credit card, Capital One, was frozen almost 4 months ago. The card tells me it is because of suspected fraud. Several times in the 3 years that I have had this card this has happened. I have told them many times I live in XXXX. This has cost me a lot of money. The most expensive was when a flight my family was taking was canceled at the last minute because I tried to pay for a small check in bag with the card. I had to pay almost {$600.00} dollars for my family to travel by train so that we wouldn't lose our money on hotels and tours for a week. The card refused to help clear up the matter and the charge on my card for flights we couldn't take. In the latest problem with closing my card, I have given them my SSN, Birthdate, telephone, address and more and they will not accept this. They will not tell me what the charge was only than it was in the town in XXXX where I live. Capital One tells me I must send a valid photo ID to them. The only XXXX active ID '' XXXX I have are my Official ( red ) passport and my DOD ID card. Regulations do not allow me to provide copies to private companies. I have told them this. I'm assigned to a military base in XXXX. My official address with the card is an " XXXX '' XXXX XXXX XXXX. Due to XXXX and current events, I have not been back in the XXXX for XXXX years so I don't have other active ID. I have spoken directly to the Fraud Office and Customer Service many times without success. I just want to get my rewards that I have earned with the card and then cancel it but I can't. This is why I need help
Product: Credit reporting or other personal consumer reports

RE : Dispute of Inaccurate Information on Credit Report Dear XXXX  XXXX, I am writing to formally dispute inaccurate information listed on my credit report, specifically regarding the following account : - **Account Name** : XXXX  XXXX - **Account Number** : XXXX Under **15 U.S. Code 1681**, also known as the Fair Credit Reporting Act ( FCRA ), you are mandated to ensure the accuracy, completeness, and verifiability of the information reported on consumer credit reports. In accordance with this law, I request that you conduct a thorough investigation into the account listed above. 

As per the FCRA, if the information can not be verified as accurate within a timely manner, you are required to remove it from my credit report. Therefore, I am requesting that you take action to remove this inaccurate entry **within 4 days** of receiving this letter. 

To assist you in your investigation, I have enclosed the following documents to verify my identity and address : 1. A copy of my Social Security card 2. A copy of my government-issued ID 3. Proof of address ( utility bill ) 4. A copy of my credit report with the accounts in question highlighted I expect to receive a written response from you regarding the results of your investigation within **30 days**, as stipulated by the FCRA. Should you find that the information is indeed inaccurate, please ensure its prompt removal from my report. 

I requested from the creditor XXXX XXXX the information on how being reported to the credit bureaus! 
Thank you for your attention to this matter. I look forward to your swift response. 

Sincerely, XXXX FALSETTO UCC 1-308 All Rights Reserved
Product: Student loan

In XX/XX/XXXX, XXXX XXXX transferred my loans in the amount of approx {$12000.00} to XXXX. 
My loans were then consolidated through XXXX XXXX XXXX. 
On XX/XX/XXXX I received an email from XXXX XXXX XXXX that my loans were consolidated to the amount of approx {$14000.00}. 
I made monthly payments on time from XX/XX/XXXX - XX/XX/XXXX. 
In XX/XX/XXXX, I received an email from XXXX saying my student loans were paid in full but I did not see this email as i was limited in my access to internet at the time. 
In XX/XX/XXXX XXXX XXXX XXXX sent me an email to inform me that my account was being assigned to XXXX XXXX XXXX. 
In XX/XX/XXXX I received an email from the XXXX XXXX XXXX regarding the the shut down of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
I have recently reviewed my credit report and there are closed accounts from XXXX, listed as paid in full. However, there are accounts from the XXXX XXXX XXXX XXXX that are listed as closed, but also continue to post as past due and in collections currently. 
I am unable to find my account or log into the student loan aid website. I am currently waiting for their account recovery team to find my info. 
XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX have all now been sued and student loans are being cancelled as part of the settlement. And yet, my credit continues to be negatively impacted as a result of very poor handling of my loans on the part of my lenders, processors and debt management companies. I have had XXXX success attempting to contact any agency regarding my loans to attempt to untangle the mess they have made out of my loans. The education I received was sub par and was useless in entering the field it was specialized in. I have done XXXX work in that field as a result. I am a resident of XXXX  XXXX and would like to be included in the settlement against XXXX. 
Also between the years of XXXX and XXXX I received hundreds of emails from third party companies regarding my student loans and offers of forgiveness or lower fees. It was quite overwhelming and caused me to miss some very important emails regarding my student loans that would have raised my suspicions about the fact that I was being scammed months, possibly years sooner than I finally did.
Product: Mortgage

XXXX business partner used my name to take out high interest loan ( 14 % on my home property ) via internet. Signatures and Initials are forged on application and other docs. He gave untrue answers on financial questions on the application form. They are about my foreclosure, bankruptcy and a lawsuit caused the bankruptcy. They were all caused by him. ( Now I realized the loan was his way to silent me as I discovered him purposely causing my foreclosure, its under XXXX and Secretary of State investigation. There are more criminal details in loan than I can summarize for now. ) The application was emailed within days as my bankruptcy processed and lawsuit dismissal. I told lender ( XXXX XXXX ) it was impossible to approve any loan on me under those facts. They denied their accountability and rejected my loan removal request. 

It was filed as a forgery case with XXXX. Case # XXXX, commercial real estate dept. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. He already delinquent once as a warning. I am not sure what kind of loan is this. It needs to be removed as soon as possible. Thank you.
Product: Mortgage

My home was damaged by XXXX XXXX XXXX My insurance company agreed to provide payment for the repairs. However, my insurance company included my mortgage company Freedom Mortgage on the check, meaning I would have to get their endorsement to cash all insurance checks and pay for the repairs. 

Since XXXX, Freedom Mortgage has intentionally delayed my receipt of payments from my insurance company. When I would send checks in for endorsement, Freedom Mortgage would deposit the money in the escrow account and just keep it there. They would not release the money unless I contacted them and ask why they were not returning the check. They would make excuses every time such as needed an updated Adjusters Report, even if I mailed in a physical copy of the Adjusters Report with the insurance check requiring their endorsement. 

The last check I sent Freedom Mortgage was on XX/XX/XXXX in the amount of around {$25000.00}. They sat on the check without notifying me that they needed an updated Adjusters Report until I called them. They keep you on hold for over an hour every time you call them about an issue almost as if hoping that you give up in frustration so they can keep the money. After I provided the same Adjusters Report that I mailed with the check, Freedom Mortgage claimed they needed more information from my insurance company. My insurance company sent the information. 

Freedom Mortgage never contacts you with an update so I had to contact them after a week after submitting everything they requested to release the money. They said they requested the disbursement of the funds on XX/XX/XXXX and that it would be processed in 10 business days. I contacted them yesterday to see if the check has been processed and they said no and they have no idea why it hasn't been processed and once again claimed they would contact me but they didn't. 

They have delayed the repair of my home seemingly in an attempt to keep my insurance payments. They refuse to provide an answer as to why they refuse to release the money and it is starting to amount to theft as they simply have just refused to release my insurance funds or provide any reason as to why they refuse to release the funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX  XXXX XXXX XXXX Inquiry : XXXX. XXXX, 2022 ( XXXX ) XXXX Institution Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX was not done by me!
Product: Credit reporting or other personal consumer reports

I have my mortgage and a credit card with Wells Fargo and I have not been able to access my online account with them for two years. According to Wells Fargo, another company has used my social security number to open an account. This has been ongoing for TWO YEARS and every time I call Wells Fargo, they tell me they are working on it and I never hear back from them. This has be escalated and again NOTHING... TWO YEARS and nothing! I went to one of the branches for help and they ran into the same issue as I do over the phone were I get bounced back and forth and get no answers. They don't follow up with me and its up to me to follow up and that takes over 45 minutes ... they have a LONG documented record of my calls and complaints and again ... I HAVE GOTTEN NO RESOLUTION. 

Please help. 

XXXX XXXX
Product: Debt collection

On XX/XX/2018 This company portfolio Recovery sent a letter to my Present address saying that I owe a debt to this company. I never heard of them until I googled them and seen all the bad reviews. I never had No Credit Card with XXXX XXXX.
Product: Debt collection

I lived in the XXXX XXXX and paid monthly lot rent. They said I was late twice and I owed late fees I went to the office and they looked it up and agreed I only owed one so I paid it. Than their corporate office came bake and said I still owed one and they could no longer except my checks til I paid it. So I than got the office manager involved ( XXXX ) at the time and he reviewed and also agreed I didnt owe and accepted my checks again. But again corporate came back and said I still owed but they wouldnt return my calls. The office continue to take my checks and said it would be taken care off. Well it never was and I decided to move out. Now I did own the home so I put it up for sale and the XXXX XXXX did sale my house and gave me the check for what they sold my home for. Now dont you think if I still owed them this money they would of release this check to me? So corporate turned this over to hunter ward and its been one my credit report for years now and it keeps going up and keeps me from getting additional credit. This should be  removed now.
Product: Mortgage

Ocwen loan servicing let a forged mortgage be obtained with my name, they agreed it was a forget and removed my name and liability from this mortgage, as of XXXX XXXX this mortgage and 15 late payments showed up on my credit score driving it down XXXX points as I am in the middle of finding a home to buy, these late payments need to come off immediately, I have no liability for this loan, Ocwen agreed not to put any further actions on my credit, please help this be removed as well as late payments immediately, Thank you
Product: Debt collection

I received the attached letter from Midland Capital Management who claims I owe them payment for a credit card account with XXXX XXXX  for {$4500.00}. Midland says they own the account BUT there is no proof of ownership included. To confirm their claim is legitimate, I demand one of the following : 1. a contract between myself and Midland showing I owe them money ; 2. a unredacted Bill of Sale for the alleged account showing my name ; 3. a purchase agreement showing my name and account number ; or 4. unredacted asset schedule showing my name.

This is a request for proof of ownership, NOT validation. If Midland is unwilling or unable to provide this material, I demand they cease all further collection efforts and delete this information from any of my credit reports. I am ready to seek the services of a consumer lawyer if acceptable proof of ownership is not provided.
Product: Credit card or prepaid card

I paid this credit card off in full prior to the due date of XX/XX/23 in the amount of XXXX stated on my statement minimum pay was XXXX. I recieved another bill after in the amount of XXXX due on XX/XX/23 and they are calling my cell not 3 times a day to collect this fictitious amount
Product: Mortgage

I have exhausted all administrative remedy to try to work with SunTrust Mortgage, Incorporated. Per, the steps that were taken with honor, the note has been fully discharged and the funds were resent and accepted by SunTrust Mortgage, Incorporporated Payoff Department on XX/XX/XXXX to discharge the debt. The funds were not returned and SunTrust Mortgage, Incorporated agreed to the terms and conditions of the Notarized Legal Affidavit of Fact With Lawful Writ of Directive and Terms of Use of Agreement, dated XX/XX/XXXX ; which was sent certified mail via United States Postal Mail. 

The alleged 'Trustees ' of SunTrust Mortgage XXXX Incoporate has initiated a wrongful foreclosure with a sale at an auction dated XX/XX/XXXX in XXXX County , Georgia . SunTrust Mortgage, Incorporated can not : - prove it owns the original promissory note - didn't act in compliance with state mediation requirements ( publication of the notice of sale ) - did not follow state-specific foreclosure procedures - provide all journal entries regarding the alleged loan Documentation that has been published for 'public record ' have been balantly ignored by SunTrust Mortgage, Incorporated. The company has the documentation plus more that was mentioned in this complaint.
Product: Credit reporting or other personal consumer reports

I recently discovered that I am the victim of identity theft and have had several accounts, leases, utilities taken out in my name fraudulently. 

I learned his information after being denied for a lease due to information found on my credit bureau reports to which this account was included. I got a police report and a FTC Identity Theft report as well as medical documents detailing my complete XXXX XXXX, and information on the perpetrator of the fraud, this was furnished to each of the credit bureaus when obtaining my initial fraud alert and issuing security freezes. I was assured they would block this information from appearing on my report and furnish the businesses with this information so they could take appropriate actions for their companies. 

All went well until recently when XXXX XXXX  decided to assert their right to " reinsert '' information back onto my credit bureau reports stating they had verified the account. I asked both the credit bureaus and XXXX XXXX  for the documentation used to make this determination, but was told the investigation was done and they could provide no further assistance save for a 100 word consumer statement. 

This account is having serious, detrimental effects on my life. Just taking my immediate situation into account, I am currently unable to obtain housing because of the detrimental payment history and balances created as a result of this identity theft event. After furnishing medical records showing my complete incapacitation, documents from law enforcement, namely a police report and FTC Identity Theft report, and information on the identity of perpetrator and their incarceration I simply can not accept a 100 word statement for an account I did not open.