23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

with " automatic bill pay '' my account was withdraw XXXX ( same amount XXXX dollars, on XXXX XXXX, and XXXX XXXX. ) When I checked online to see if my pension money was available I noticed the mistake. This mistake made incur in overdraft, so they start withdrawing a XXXX dollars fee ( XXXX times ) they did n't do it more times because I got my XXXX money deposited and the account had founds. 
Bank of America, send emails to see if their service was good, they call you to offer you new products, but they never called me, to tell me they were withdrawing this fee in an abusive way. Because, XXXX can be a punishment, more than XXXX about the same without notice to the affected person shows they are profiting without any ethical principles. 
I went to the bank in person, they sent me home, this issue can be solved only over the phone ... Next day, called at least they transferred me to XXXX different people and explain the whole issue since the beginning, maybe their solution was to make me give up, instead to give me a professional answer. 
They agreed about the mistake ( almost one hour later ), and refund XXXX dollars ( when really they deducted XXXX ), so I have other call pending to claim on the same. 
This is no the proper way to treat a XXXX who is a loyal customer of them for the past XXXX years at least. 
I got punished for their mistake in XXXX, and same problem had occurred on XXXX, so is recurrent this unfaithful practice. 
How they can do with me and my money whatever they want, and I have just to watch? 
I am just a person who lives on his retirement money not an account knowledge professional. 
Why Banks do n't inform the client as soon as they take money as " penalty ''? and really at my XXXX years old I did n't feel treated with respect and understanding.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account : XXXX XXXX XXXXXXXX, Account : XXXX XXXX  XXXX, Account : XXXX XXXX XXXX, Account : XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C 1681c. Section 5a : States that no consumer reporting agency may make any consumer report containing any of the information and any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Quite a few year 's ago I had helped out a friend and put her cell phone in my name, which was a huge mistake. I found out a few year 's ago when I went to go purchase a cell phone of my own that I could not purchase it because someone had been using my information. I knew it was not me because I had no cell phone at this point. I now I see on my credit report information of an address that is not mine and I am terrified that someone is using my information.PLEASE help.
Product: Checking or savings account

On the week of XX/XX/XXXX, my CHECKING account got hacked into. The total amount taken from my CHECKING account was XXXX. However, I only got back XXXX. I called them again about where my remaining XXXX is they said they could not find a claim for that amount. So I thought, oh perhaps they somehow missed in our first conversation that the date of XX/XX/XXXX and onward are not my transactions. That includes XX/XX/XXXX. I made it clear, the only transaction that is mine is a payment to my credit card for XXXX and a XXXX of XXXX. Anything else was not mine starting XX/XX/XXXX up to XX/XX/XXXX. I called them several times only to be moved around from department to department for hours with no one able to help me. During this time my SAVINGS account was also hacked. I did get my full refund for that claim with no issue. It is only the CHECKING ACCOUNT that they have NOT funded me for the full XXXX dollars. Attached is proof of XXXX additional claims that make XXXX sense and are NOT the remaining XXXX that I originally asked for. I NEVER made a inquiry about the XXXX cents or XXXX cents. I did make plenty of inquiries and asking for the XXXX dollars that is still not returned ....
Product: Mortgage

I contacted Wells Fargo Home Mortgage to refinance my current mortgage. I informed them that I was behind and I filed bankruptcy about 6 years ago. They said no problem they could do it. My credit score was XXXX which they said was good. I applied and then they said that I had to pay {$11.00} for the credit report and {$530.00} for the appraisal in order to continue on with the application process. So I paid them the {$540.00}. I never received the appraisal on my home. They never contacted the appraisal company to schedule a date or time. They denied my application based on behind on mortgage and bankruptcy. I would like my {$530.00} back for the appraisal the I never received. I have called several times and left messages and no one has returned my calls. What does Wells Fargo do with all the money they get from people that do n't qualify for refinance?
Product: Student loan

The company recently was bought and is transitioning to a new website. I attempted to log into their website and was then notified they had transitioned to a new site. I had to create a new account and etc. I use a credit union and the account information I enter with some institutions, I can omit the zeroes at the end of my account and some require them to be used. When I put in the account number apparently it was incorrect by XXXX standards and I was charged a XXXX NSF fee. After seeing the fee, I checked the old website and miraculously that website was active that day and I was able to log in and make a payment. I scheduled a ONE TIME ACH payment for XX/XX/XXXX. A day or two later when I attempted to log into the old website, it again prompted me they had changed and I had to go to the new website. Upon logging in, I saw no record of a XX/XX/XXXX payment being scheduled and that my payment information was showing REOCCURRING payments starting on XX/XX/XXXX. I did not authorize for reoccurring payments nor schedule one on XX/XX/XXXX. Secondly, now I will be charged late fees due to the switching back and forth of websites and never knowing which one to use. During my customer service experience, I had one CSR close an online chat and said call them if I needed further assistance. Also, this is the only company I use that charges me to pay my bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX is being reported on my XXXX, Transunion, and XXXX  credit reports. This account is a fraudulent account and documentation has been sent to the reporting agencies stating that i was a victim of ID theft and that this account does not belong to me and should be immediately suppressed and blocked from my report. All agencies have stated the verified this belongs to me without providing any type of documentation that shows I opened the account and signed up for the accounts. This documentation was sent over to all agencies by me from XX/XX/XXXX to XX/XX/XXXX but they have yet to verify with documentation that they accounts belong to me.
Product: Credit reporting or other personal consumer reports

I have paid off this account back in XXXX. However, it is still showing on my report as past due and a balance owed. I have paid the balance off in full. The company sent me a paid in full statement. Yet, they are reporting inaccurately on my credit report and refusing to correct the information. I filed a dispute and despite the account being paid in full, and the company sending me a paid in full letter, and confirming it is paid in full, the company, in clear and direct violation of fair credit reporting laws, confirmed the information as accurate! This is not fair to consumers to allow companies to just so called review the information and confirm accuracy. They are clearly not even reviewing their records because the account is paid in full.
Product: Mortgage

XXXX XXXX  XXXX has had my loan since XXXX ( most recently ), till today/ where they transferred it to Fay Servicing. Prior to this it was with FAY and then prior to this, transferred to XXXX 2nd time. and now with fay again. 2nd time. They do this every time i am late on payments. a few months, where i paid on the XXXX rather then before the XXXX. Loan is current. 

Fay Servicing is a sister company to XXXX. It seems they do this swap every time there an ability to go after the owner for foreclosure or late payment or in my case, forced placed insurance. Their reviews online have made me extremely wary to what predatory practice they are trying to achieve. 

I can't get homeowners insurance without purchasing a new roof ( unattainable at this time ), I agreed to XXXXXXXX XXXX forced lender insurance policy amount. They sent me the declaration and all was fine. Till today, I find out XXXX XXXX ' my mortgage to Fay service , and they aren't accepting that declaration. I have a letter from XXXX stating ' they purchased " this insurance. if its purchased with my escrow money, it should be honored. 

I have to go thru the entire process again. I will be backlogged with payments since XXXX XXXX when my Wind insurance lapsed. I have XXXX policies XXXX XXXX, and XXXX  ( forced place ). or i did. Fay is now telling me they will need to re address this. Call me 'psychic ' but, i can see what they are going to try and do... create a Wind policy that is going to be so exhorbitantly high that i won't be able to pay it. Wind policy from XXXX was XXXX which is a decent amount. 

I am asking for help to stop this kind of predatory behavior. I have been in this house 20 years. Sometimes struggling. and asking that Fay honor the declaration / insurance that rushmore bought.
Product: Credit card or prepaid card

I have requested to do balance transfer of XXXX dollars on XX/XX/2018 with my discover credit card, that will transfer to my XXXX Savings account. They did a transfer within a week and status got changed to fund sent where it was mentioned that usually 5 to 7days, XXXX account will receive the amount. But, even after 7 days, it dint get deposited to XXXX account. I have called discover on XX/XX/XXXX and they confirmed that i have to wait until XX/XX/XXXX and if i dont receive on XX/XX/XXXX, then, i can call again discover to raise the complaint. since, amount dint get deposited in my XXXX savings account, i have called discover again and asked them about the status, they said about starting investigation and next week they can reach about updates. today, XX/XX/XXXX th called them again, they said it may take upto 45days to find where the issue is and why this amount dint get deposited in my bcu account. Problem is, i did a transfer from discover to XXXX, discover dint have any tracking record about cash check they sent.i dont have any idea now where the money is. due to this, my load got rejected, was in a kind emergency situation that i could not resolve and facing lot of issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

After my first complain against OneMain about a Hard Inquiry that I do not recognize, this mention company send me a email ( see attachment ). OneMain offer me to call them again and discuss this issue, Well I had call this company many times already and send dispute letter about this hard inquiry true the 3 mayor reporting agencies. I DONT THINK I NEED TO CALL THIS COMPANY AGAIN .... JUST INVESTIGATE THIS MATTER AND DELETE THIS HARD INQUIRY.
Product: Money transfer, virtual currency, or money service

Western Union allowed an account to be set up in my name, and funds transferred by a named person in XXXX to another named person in XXXX-neither of them me. I have been on the phone for hours with them and they have been terrible - I had to send the police report several times, and then start again every time I called back - hours of wasted time! Always saying to be patient, they were working on it, and would contact me shortly. 
They NEVER called me back, and after another hour on the phone with their Fraud Department today, they informed me I am not ELIGIBLE to receive my money back! 
The thieves took {$440.00} out of my Checking Account at XXXX XXXX XXXX XXXX on XX/XX/18. I didn't catch the Western Union transfer until a meeting with my accountant in XXXX, so the bank insists I missed their window of opportunity to help with the fraud. Western Union asked that I close my account to avoid further fraud, but I NEVER had an account with them to begin with!
Product: Credit reporting, credit repair services, or other personal consumer reports

The following Inquiries have been unauthorized to run my credit. I have no acknowledgment of these inquiries and never authorized. 

EQUIFAX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

A previous complaint was submitted to CFPB regarding XXXX removing {$2700.00} from my escrow account as they placed a homeowners policy in force in XX/XX/XXXX and debiting my escrow account at Amerisave Mortgage without authorization. The force placed policy created an escrow shortage, when XXXX  XXXX XXXX attempted to debit my escrow account there were not enough funds to cover the premium. My mortgage payment increased over {$300.00} per month. 

I contacted Amerisave on XXXX XXXX, XXXX. I was informed that I was due for an escrow analysis XX/XX/XXXX and my mortgage payment was projected to increase an additional {$400.00}. I requested Amerisave postpone my escrow analysis until XX/XX/XXXX and they agreed to do so. The reason for the request was to obtain my refunds from XXXX insurance and XXXX. 

XX/XX/XXXX I received a notification from XXXX XXXX that Amerisave Mortgage added {$5100.00} to my mortgage balance. My credit score also dropped as a result. This credit impact creates an issue with my ability to pursue my mortgage refinance, debt consolidation and my ability seek funding through another lender
Product: Mortgage

In early XX/XX/XXXX, Bank of America suspended my Home Equity Line of Credit. After a couple of weeks trying to find anyone who had any clue what was going on, I was finally told " it 's being closed because you use it as a transactional account ''. I explained that reason was nonsensical, and that my loan contract provides specific reasons why the account can be closed. I read each reason, and was told each of them do not apply. The response was simply that Bank of America can do whatever they want, and since the decision was made they do not have to justify it. I insisted on speaking to a supervisor, and was promised a callback from a XXXX. I never received any calls. 

I submitted a CFPB complaint in XX/XX/XXXX about this matter. After " looking into it '', it was simply reiterated that they 're closing it because it was " not used as intended ''. I explained there is no specified intended use, and closing it is a breech of contract. I was then told that they havent closed my account, just suspended it, thus there is no breech of contract. I then had to point out that my contract has reasons why the account can be suspended, in addition to reasons it can be terminated, and it was becoming obvious that no one at BofA had actually read the contract to which they are bound. At which point the representative became non-responsive, only repeating that the reasons do not matter and BofA can do whatever they want with no need to justify it. I again requested a supervisor to deal with this blantant non-responsive response, and was promised a callback within XXXX hours. No call was received, and all further attempts to followup has resulted in my voicemails being ignored. 

At the advice of the CFPB Ombudsman, I am resubmitting this complaint in the expectation a new XXXX Representative will treat it seriously and actually research the complaint, and address the issues involved.
Product: Debt collection

ALLOW ME TO BE CLEAR. I FILED A COMPLAINT WITH THE FCC. WHO SENT ME TO THE FTC. I FILED A COMPLAINT WITH THE FTC WHO HAVE NOW SENT ME TO CFPB. I CAN NOT FIND ANY AGENCY THAT ACCEPTS RESPONSIBILITY FOR THE LAWS THAT HAVE BEEN BROKEN. YET EVERYONE CONTINUES TO GET PAID JUST TO GATHER INFORMATION TO BE PUT IN A DATA BASE. THE COMPANY : SPEEDY CASH/RAPID CASH CURO HAS CALLED ME A TOTAL OF 76 TIMES. I ASKED THEM TO STOP CALLING ME ON XX/XX/2020 AND THEY CALLED 32 ADDITIONAL TIME AFTER THAT DATE. I ALSO FILED A COMPLAINT WITH THE XXXX XXXX XXXX. I HAVE NEVER HEARd OF THIS COMPANY. HAVE NEVER  DONE ANY SORT OF BUSINESS WITH THIS COMPANY. NEVER OBTAINED ANY SORT OF LOAN WITH THIS COMPANY. THEY NOW SAY THAT THEY CONTINUED TO CALL ME BECAUSE THEY THOUGHT THAT I WAS RELATED TO ONE OF THEIR CUSTOMERS THAT OWE THEM MONEY. WHAT ARE THEY LOAN SHARKS. XXXX? ALSO I WAS PROVIDED A COPY OF A LOAN AGREEMENT WHERE THEY REDACTED THE CUSTOMERS NAME AND LOAN NUMBER. I ALSO HAVE A DETAILED INCOMING PHONE CALL REPORT FROM MY TELEPHONE CARRIER CARRIER THAT SHOWS ALL INCOMING CALLS WERE FROM SPEEDY CASH/RAPID CASH CURO. ALL OF THIS BREAKS EVERY LAW THERE IS. TELECOMMUNICATION. PEACE. FAIR DEBT. ( I HAVE NOW NOR NEVER HAD ANY DEBT WITH THEM ) HARASSMENT ) I WANT SOMETHING DONE IMMEDIATELY. AND WITH OUT FAIL. I WANT TO BE CONTACTED. AND WHAT EVER INFORMATION IS NEEDED TO SUPPORT THIS COMPLAINT, PLEASE REQUEST IT FROM ME IMMEDIATELY. AS THIS IS JUST A SUMMARY OF THE ACTIONS OF THIS COMPANY. THEY CALLED ME 76 TIMES. AND A  CUSTOMER SERVICE REPRESENTATIVE TOLD ME THAT I WOULD HAVE TO PROVE THAT I WAS NOT A CUSTOMER OF THEIRS FOR THEM TO STOP CALLING ME. ( XXXX XXXX ) WHEN I TOLD HER THEY WERE BREAKING THE LAW SHE THEN SAID : " WE KNOW THE LAW ''
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 I contacted Bank of America to pay the balance on my credit card and close the credit card account. The reason I gave BOA for closing the account was that I no longer used the card. XX/XX/2018 a charge occured on the card for an annual magazine subscription. XX/XX/2018, BOA shows a 30 day late payment on the account. XX/XX/2018 BOA, shows a 60 day late payment on the account for all 3 credit reports for both myself and my wife. 

I have kindly asked BOA to remove the late payments from all of my credit reports and my wife 's credit reports. I paid the disputed charges ( {$77.00} ) plus interest despite the fact that the account should not have been active or open for such charge. 

My family is facing financial penalty and hardship due to a BOA error concerning {$77.00}. I believe BOA has made some effort to resolve the issue but upon speaking with XXXX this morning it is obvious they have not reached out to all parties. 

Any assistance your agency can provide would be welcomed.
Product: Checking or savings account

We have tried to get this account closed so we can close the estate for over 6 months. The first request was never responded to by PNC until they sent the wrong paperwork. When we followed up, our paperwork for the estate had expired so we had to reinstate the estate. We sent that paperwork in XX/XX/XXXX. They posted as received on XX/XX/XXXX. Depsite visits to meet with XXXX, manager of the XXXX XXXX, MD branch and numerous calls the the Retirement call center, we have not received one call back from anyone and no paperwork. We asked that the call be escalated to a supervisor during every single call and all they would do is take our number and tell us that the two supervisors XXXX ( sp? ) and XXXX would call us within 48 hours. We never received a single call. After XXXX in the call center for retirement failed to provide assistance we called back and spoke to XXXX in the same call center who filed an executive level complaint ( XXXX ) - first call back was from XXXX left message and said on vacation for a week will get back to us later
Product: Debt collection

His name was XXXX XXXX he said he was with Accelerated Servicing Group. He has been harassing me with phone calls for weeks both at work and on my cell. Ive asked him to stop he told me today that he will call my work every day until I pay what I owe. He then called me an XXXX. He said I was gon na get a lawsuit if I didnt pay today etc etc Very very threatening and verbally abusive.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One Auto Finance XXXX XXXX XXXX XXXX, TX XXXX ( COPY OF LETTER SENT TO CAPITAL ONE, MINUS MY IDENTIFYING INFORMATION AS PER YOUR INSTRUCTIONS ) Subject : Continued Erroneous Reporting On Account XXXX XXXX, XXXX To Whom It May Concern : Thank you for your letters to me regarding the above referenced account ; however, I must respectfully bring to your attention that you continue, in fact, to incorrectly report the above referenced account to the credit bureaus in violation of stated law. Accordingly, copies of this letter, have been forwarded to the CFPB, and the AG office for the state of Texas. <P/>Also, if after this letter you still refuse to delete the account from XXXX and XXXX, I will also be unfortunately forced to re-open the bankruptcy and file a case for contempt of action on your part where I will also seek redress and financial remuneration for damages. Since the bankruptcy was filed pro se, I will do it yet aain.
<P/>Case law demonstrates that continuing to negatively report an account on a discharged debt is a violation of the discharge that accompanies a bankruptcy. In the same connection, also changing any notation of the account constitutes a violation as well. <P/>Accordingly, as per federal case XXXX vs. XXXX XXXX Services, negative reporting of the discharged debt constitutes a violation of the permanent injunction of my discharge ( Bankruptcy Case Number XXXX ), and, accordingly, there would be a violation of the FEDERAL COURT ORDER with the continued reporting of the discharged debt.
<P/>
Also, literally ANY changes made to the Capital One Account in terms of anything relating to the account ( i.e. status, account number, included in bankruptcy notation, etc. ), constitutes of a violation of the permanent injunction, subsequent to the filing of the bankruptcy. <P/>Finally, the FTC Letter to XXXX demonstrates that my conclusions are warranted and within the parameters of the law. <P/>Accordingly, in consideration of the violation, a deletion of this account to the credit bureaus is hereby again requested. <P/>Respectfully submitted, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please promptly block and remove the unauthorized accounts from my credit report. I did not open or approve these accounts and have no knowledge of their source. Under USC 1681g, I formally request their removal within XXXX days. Enclosed are the necessary documents for your review and reference.