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

Dear Consumer Financial Protection Bureau, Wells Fargo Bank despite its {>= $1,000,000} settlement with you IS UP TO ITS OLD TRICKS with regards to MAXIMIZING OVERDRAFT FEES! 

In my case, Wells Fargo Bank is SNOWBALLING overdraft fees such that, for example, my {$25.00} check and my {$5.00} check are dishonored because of OVERDRAFT FEES! 

And now my checking account is MINUS because of OVERDRAFT FEES such that the entirety of my forthcoming SOCIAL SECURITY ADMINISTRATION bank deposit is at VERY CONSIDERABLE RISK! That is, Wells Fargo Bank shall be deducting the overdraft fees that put my checking account into negative territory!

++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++ THE RESULT : I SHALL BE GETTING LESS OF MY FORTHCOMING SOCIAL SECURITY ADMINISTRATION BANK DEPOSIT!

+++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++ Preventing me from getting my entire said Social Security Administration deposit IS a very serious matter indeed! In fact, at least one FELONY if not more! Call it THEFT or what, it is an illegal, an impermissible, an unethical, a totally immoral taking of my Social Security moneys upon which my beloved and loving wife, best friend, and soulmate XXXX and our beloved and loving miniature XXXX XXXX XXXX XXXX VITALLY DEPEND! I need not tell you why, tell you the XXXX! 

Respectfully submitted, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  until called home because of a family health catastrophe! So very sad! So immensely tragic! 
Adjunct Professor ( ret ), Business Law, Paralegal Studies, American Government Attorney-at-Law ( ret ), Constitutional Law, Criminal Law Administrative Law cc : Attorney-General XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX of the Federal Reserve Comptroller of the Currency Securities and Exchange Commission Internal Revenue Service United States Postal Service for possible MAIL FRAUD Treasury XXXX XXXX XXXX XXXX XXXX XXXX New Jersey XXXX XXXX XXXX XXXX New Jersey Department of the Treasury XXXX XXXX XXXX United States Senate United States House of Representatives XXXX XXXX XXXX New Jersey XXXX Police Department XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX
Product: Credit card

On XX/XX/XXXX, I received a bombshell letter from one of my credit card companies, FIA Card Services ( Fidelity Investments ) saying that my MasterCard account had been canceled for XXXX reasons : history of delinquency ; balance relative to credit lines too high. Neither is true. I 've had the account since XX/XX/XXXX, and I 've never once been late. For the last XXXX years, I 've paid all my credit card balances in full each month. Of my available credit, I utilize less than XXXX %. How can anyone consider that excessive? The " delinquent '' bill in question turned out to my Bank of America MasterCard, in the amount of {$25.00} [ I made a donation to my XXXX XXXX XX/XX/XXXX but never received a bill ]. The FIA Card Services letter referred me to XXXX XXXX XXXX to dispute it. I tried calling FIA direct but they basically said their decision was final, that I was a " poor credit risk. '' Up until this happened my FICO score was XXXX. It 's now dropped to XXXX. Yes, I paid the bill XXXX XXXX [ It took 2 hours and required purchasing a {$9.00} online report from XXXX, unless I wanted to wait 2 weeks for the snail mail version, to even find out what it was that I owed and to whom. ]. Their behavior seems more than a little draconian. Please, can you help?
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, I received a call from Bank of America ( XXXX -- which is an actual Bank of America number if you call it ) alerting me about fraudulent activity on my account. The callers knew the status of my account, they knew my transactions, they knew the names of people mentioned in the XXXX transfer area of online banking. I had every reason to believe they were from Bank of America, as they claimed. They asked me to confirm through text message ( from the usual Bank of America text confirmation number ) that I was disputing this fraud ; however, what they did caused {$6500.00} to be transferred out of my account, through XXXX. I did NOT authorize ANY XXXX transactions in XXXX XXXX XXXX and I did NOT authorize the transfer of {$6500.00} to anyone. I need that money back.
Product: Credit reporting or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Checking or savings account

Wells Fargo damaged my credit profile with overdraft fees and incorrect accounting Excess of {$2500.00} They sent me a check for {$35.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Comenity Bank-XXXX  Credit Card has for the last 2 years re-opened my charged off account and then closed it. Several times. All in an effort to make this already negative charge off even more damaging. I am XXXX and having extreme hardship due to Covid-19 and because of the improper activities of Comenity Bank, my ability to obtain reasonable rates for insurance and loans because of my score, has become impossible. They currently show me as being late multiple times during the last 12 months despite having a XXXX  balance according to the information supplied by them to the credit bureaus. This is a violation of my rights under the FCRA. I have attempted to dispute this to the credit bureaus but have been no help.I am trying to refinance my mortgage but this incorrect information has caused several denials because of this.
Product: Mortgage

XXXX started as Servicer as of XXXX didn't start receiving payments until XXXX, and then added a Assignment of Mortgage to our Record of Deeds XXXX under the understanding in order to continue to collect XXXX XXXX XXXX  Payment they had to ( Per XXXX XXXX representative ) XXXX there is no Mortgage, and then there is the Loan Modification showing Noteholder and Investor is XXXX, XXXX has also acknowledge Assignment of Mortgage was done in error and they can't release the Lien, after over XXXX years of XXXX advising there is no Lien, but because they sold the Servicing Rights they can not correct the Assignment of Mortgage or Lien Release because they sold the Servicing XXXX now the new Servicer Select Portfolio refuses to acknowledge letter from XXXX and the letter from XXXX advising no Lien and that XXXX is Noteholder Not XXXX. 
XXXX who was our previous Servicer has also acknowledged that even though this is a Residential Mortgage Back Securitized Loan with a pool number of ( XXXX ) they never paid anything under our pool number into the Mortgage Pool or directly to our Noteholder and Investor XXXX, also per XXXX they never received any Payments from XXXX or SPS. 
Assignment of Mortgage shows Mortgage holder is XXXX, XXXX, as XXXX, In Trust For Registered Holders of XXXX Asset-Backed Certificates XXXX XXXX XXXX XXXX, which is just another name for XXXX XXXX XXXX Bank , also according to SPS doing our Foreclosure procedures acknowledged that XXXX has been our Noteholder and Investor Since XXXX, again stressing that XXXX has acknowledge that they are not the Noteholder and Investor and they made an Error when they added the Assignment of Mortgage and per XXXXXXXX XXXX they also advised they sent the documents to SPS in XX/XX/XXXX to have Lien removed and to correct the Assignment of Mortgage, we also sent the same documents XXXX, to SPS, still no Correction.
Product: Debt collection

After XXXX XXXX, I took out a loan from the XXXX. Due to economic reasons I could not start with the payments and they sent the account to a collection agency. At that time, we made a payment plan of {$120.00} per month, which was being debited from my account with no problem. In XXXX of this year I received a call stating that I had to pay the full amount and that if I didn't pay my wages would be garnished. Also that the agreement they had reached was a mistake, because it should have been for more money. I was surprised what happened. I had to ask a family member to lend me {$4400.00} to make a payment. Still, they want you to keep paying {$700.00} per month for 36 months. I've been trying to work out a lower payment deal and they don't want to help me. I need your help, I do not refuse to pay, but to establish a reasonable payment that I can meet. The collection company is Transworld.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the co-signer for a student loan and through the interference of an attorney obtained by student because of the continued harassment calls and email messages from XXXX XXXX the attorney was able to obtain an extension through XX/XX/XXXX. Per XXXX XXXX XX/XX/XXXX, I am still responsible for payments dating back from XX/XX/XXXX hrough XX/XX/XXXX. Although no payments were due from XX/XX/XXXX through XX/XX/XXXX, interest in the amount of {$3000.00} was accrued during that period. 
I was never informed by XXXX XXXX XX/XX/XXXX that the student 's loan was granted an extension nor received communication from them regarding payments due. 
I became aware of this situation through an email from XXXX XXXX, a service provided by my XXXX credit card, that advised me of the activity and how it impacted my credit score. Through their service I read that XXXX XXXX XX/XX/XXXXhad furnished negative information regarding non-payment of student loan to the 3 credit reporting agencies without informing me first that I was responsible for paying loan and non-payment will result in negatively impacting my credit. 
I contacted XXXX, Account Manager at XXXX XXXX on XX/XX/XXXX to inquire about the student 's loan being extended until XX/XX/XXXX, where she could not find documentation regarding the extension and informed me that I was still responsible for monthly payments even though I never received any written communication from XXXX XXXX. 
I do not understand how the student gets an extension on her loan but I, as a co-signer am still responsible for payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. 
( XXXX XXXX ) account is reporting inaccurate DATE OF LAST ACTIVITY and incorrect information on multiple accounts. I reached out to the credit bureaus and it has not been addressed. 

2. 
XXXXXXXX XXXX account is reporting inaccurate DATE OF LAST ACTIVITY and incorrect information on multiple accounts. I reached out to the credit bureaus and it has not been addressed. 

3. 
XXXX XXXX  account is reporting inaccurate DATE OF LAST ACTIVITY and incorrect information on multiple accounts. I reached out to the credit bureaus and it has not been addressed. 

4. 
XXXX account is reporting inaccurate DATE OF LAST ACTIVITY and incorrect information on multiple accounts. I reached out to the credit bureaus and it has not been addressed. 

5. 


XXXX XXXX account is reporting inaccurate DATE OF LAST ACTIVITY and incorrect information on multiple accounts. I reached out to the credit bureaus and it has not been addressed.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds were impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect customers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about customer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

The list of information and inquiries was reporting inaccurate from my report. I sent letters to each Credit Bureau for them to investigate and review my files. But that informations are constantly reporting and causes negative impact on my credit. Therefore, Experian Bureau did not take any action to remove the incorrect information and inquiries listed below : Incorrect Name : XXXX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, FL XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Date Updated : XX/XX/XXXX EMPLOYER : XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX NY Date XXXX : XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  I XX/XX/XXXX
Product: Debt collection

I recieved phone calls from this company on XX/XX/year> and XX/XX/year>. They started off asking how I wanted to pay this debt. I asked why I had not received written notification about the debt first. they responded that they had sent it and verifyed that they had the correct mailing address. I told them that I never recieved anything and asked them to resend it. They refused and aggressivly attempted to get me to pay them. I replied that this will not move forward until I receive a written validation letter. 2 weeks later they called again with the same aggressive language. I again asked for the validation letter. they claimed they sent one on XX/XX/year> and on XX/XX/year>. As of today I have received no written correspondance from this company.
Product: Mortgage

The abbreviati  on Chfa is referencing Colorado Housing and Finance Authority.
I originally called CHFA o  n the  XXXX  of  XXXX  to try for th e 4th  time to get loan modified. This time was first time I was ever delinquent on the loan though as in making a payment on certain date. In my payment schedule I am ahead of where I should be until  XXXX  of  XXXX . My complaints against  Chfa  a re : 1. Chfa  has violated the requirements for a Single Point Of Contact  in Section 38-38103.1 2. Chfa  has only notified me they received my loss mitigation packets once ; when they said I was missing papers, after their phone call I did provide the missing pages for the first packet and sent them via email that same day. I sent the second packet ; with up dated information on  XXXX   XXXX , because I received a phone call from Chfa on  XXXX   XXXX , telling me if I want to keep my house I had to do this again.    3. Chfa h ave never given me any type of decision on the packets I have sent in ; not even the first packet I sent in which was on  XXXX   XXXX , in two emails, or even after I sent the missing papers they claimed.    4. When I initially called Chfa  on  XXXX   XXXX  the representative told me to pay what I could as soon as I could. I sent  XXXX  cashiers checks,  XXXX  on  XXXX   XXXX  for {$700.00} and  XXXX  on  XXXX   XXXX  for {$800.00} and they returned the second check stating that I had not sent them the mitigation packet, with an entirely new set of documents so they would be proceeding with foreclosure.     *Previous to this year I have tried to modify my mortgage at least 3 times since  XXXX .   Chfa 's representitives have stated that my loan is unconventional, I could apply for a modification but they did not have to allow it. On my loan paperwork, it states my loan is a Conventional Loan, and insured by   XXXX   XXXX  .
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX  Account number XXXX XXXX, has violated my rights. 

I looked at my Experian credit report on XXXX XXXX, 2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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. 

And nor do I have any acknowledgement of this account at all.
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 15 USC 1681. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX XXXX acct XXXX XXXXXXXX, Account name : XXXX XXXX  : Accct XXXX XXXXXXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 pers on knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello CFBP. I am reaching out again because XXXX XXXX XXXXXXXX XXXX did not correct the errors and they are reporting on the credit reports. I was the process of purchasing a home and lost out of the home due to late payments from XXXX. XXXX has incomplete accounts numbers -showing partial account numbers. Some are showing XXXX days back-to-back, while some say XXXX then back to XXXX back to XXXX the XXXX days late. I have requested under law fix this by removing this erroneous information. XXXX XXXX XXXX XXXX XXXX XXXX. I requested this to be removed immediately. It is against the law to furnish information that is inaccurate. 
There is also payment as if I had paid on some of the accounts. This is also not true. 
XXXX impartial accounts and all XXXX credit reports XXXX. different amounts and dates on all three credit reports XXXX. causing great harm to my rights to purchase and it's been an ongoing request that no one seems to take note.

XXXX. When making the attempt to write XXXX XXXX XXXXXXXX is showing two different addresses? 
How was this information verified, crossed reference? How? 
I received a letter that they were not going to make changes, while I received another letter that they would remove but can't guarantee the future. The late payments are still showing on All three credit reports again with partial account numbers. 
different dates, different amounts, different actions. 
Because of this mismanaged information. I am requesting this be removed immediately. Not in XXXX days. As I had lost the purchase of a home due to debt-ration being extremely too high and late payments. Which all XXXX credit reporting agencies and reporting. I can afford to wait another XXXX days for this company to fix this. 
I am really needing help. 
Thank you for reading. 
XXXX XXXX XXXX
Product: Credit card or prepaid card

My most recent Care Credit/ Synchrony credit card statement dated XX/XX/XXXX included an expired Promotional Zero Finance Deferred Interest charge of {$430.00}. 

I had made multiple charges under this plan and always paid on time with more than the minimum required, feeling that satisfied the agreement. 

They took the balance from XX/XX/XXXX of {$1500.00} and added {$430.00} and another {$1.00} for other purchases at the rate of 26.99 % .So instead of owing {$1200.00} I now owe {$1600.00}. 

I contacted Customer Service on XX/XX/XXXX and was told that it was added to my unpaid balance and it 's due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am truly a victim here. 

XXXX collection XXXX XXXX XXXX Veros credit And over XXXX inquires This is stopping me from getting my home. 

I never had any of the above accounts. I spoke to the bureaus and the evidence they sending me is insufficient, without my signature I didnt approve nor apply for any of the above accounts
Product: Debt collection

For over a year ARS has wasted my time and money as well as negatively impacted my credit on purpose on debt that I have NOT claimed. They have yet to validate the debts within the allotted 30 days and even upon receiving it was NOT a validation ; instead it was a typed " verification ''. The second validation request was ignored completely. This " verification '' also has my name incorrectly on 3 of the 5 alleged debts. I am XXXX XXXX XXXX XXXX. Maybe it is my fathers debt? Maybe some random stranger. Without validation I have no way of knowing. I have been given the wrong account balance multiple times due to, amongst other things, " XXXX '' and " clicking the wrong box ''. Their automated system actually says that I owe the {$0.00} for all accounts. They have also already lost a dispute from the credit bureaus for Taking a payment for a single account ( heavily documented ) and purposely spreading the payment across multiple accounts unfairly and HIGHLY against FDCPA. Due to their shady practices with the singular payment, they impacted my credit report by hitting it with five accounts for no reason. After " fixing '' it, it caused the accounts to be removed from credit report and re-added ; FURTHER damaging my credit report for no reason. I have been hung up on over 13 times in the last month alone for mentioning their FDCPA violations. I have been transferred to a " supervisor '' line 17 times, left 17 messages, and received ZERO response. I have been told by representatives that they were going to direct message the " supervisors '' and that they will get a hold of me as soon as possible. ZERO response. I am a XXXX veteran that has service connected XXXX XXXX problems that require me to record my phone calls. I let everyone that I speak with know that I do this because of mild to moderate short term memory issues. I have been hung up on with the following statement, " what you're saying doesn't allow you to record '', click, hung up on. Twice actually. I am currently in the process of logging complaints and disputes with all credit bureaus, the Oklahoma Attorney Generals Office, CFPB, FTC, and the BBB in multiple locations. I have kept very detailed notes, recordings, screenshots, logs of phone calls, and logs of violations. I have access to all of this and would be more than happy to share if needed.