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

My father passed away and had a Bank of America Checking and Savings account that was " POD '' payable on death for myself and my sister. I went to the Bank of America Branch at XXXX XXXX XXXX XXXX in XXXX and give them a copy of the death certificate and the last bank statement. The person there said " we will contact you by mail. 2 weeks past and I did not get anything in the mail. I went back to the branch and asked when I am going to be contacted? They said they did not know and said " to wait longer. '' They also refused to give me any current information about the account, such as balance etc. I asked where the people are who are going to contact me and they said " they did not know. maybe in Texas or XXXX XXXX ... '' Another week went by and I went back to the branch. They gave me a phone number and a " reference number. '' I called it and was switched to a stock broker at XXXX XXXX named XXXX XXXX. There was a investment account associated with the checking and savings account, however I was previously told by Bank of America staff that : " the checking and saving account POD only applied to those accounts and not the brokerage account. I still have not gotten my share of the balance from the checking and savings account. Bank of America has yet to " contact me by mail. '' I can not get any documents relating what was set-up by my father, or the relationship of the Bank of America accounts, the Merrill Lynch account, Another bank where my father had an account paid the POD account within 5 days of the presentation of the death certificate. Bank of America has deliberately delayed paying the POD savings and bank accounts, and has had conflicting information on the accounts and the processing of my request. This involves both a checking and savings account at B of A.
Product: Credit reporting or other personal consumer reports

I am formally disputing the accounts and inquiries listed on my consumer credit report, as referenced below. These entries are the result of fraud or a data breach, and I demand verifiable proof bearing my signature or electronic signature. 

This dispute is submitted personally, not through a third party, and requires your immediate attention. I never authorized these actions, and their presence on my credit report violates my consumer rights under : FCRA 605B Blocking of information resulting from identity theft, fraud, or a data breach [ 15 U.S.C. 1681c-2 ].

FCRA 604 Permissible purposes of consumer reports [ 15 U.S.C. 1681b ].

After contacting the companies involved, I confirmed that these accounts and inquiries were initiated without proper validation or original proof. Since I never authorized them, they are inaccurate and must be removed. Their reporting stems from a data breach or unauthorized disclosure by creditors or third-party data furnishers.

I demand an immediate investigation and correction of these inaccuracies. Failure to act promptly may result in further action on my part.
Product: Debt collection

Received correspondence from XXXX XXXX, XXXX XXXX XXXX, XXXX, MA XXXX have a second address on form of XXXX XXXX XXXX, XXXX TX XXXX phone number XXXX - stating that they are collecting a debt from original creditor college loan corp/XXXX. Total due {$10000.00}. This is not my debt and they will not provide me with documentation about this debt.
Product: Credit reporting

In the attachment, XXXX credit bureau has incorrect information. I have never had an account at XXXX. 

Why is this account ( for which I have never had ) appearing on my credit in XXXX, when the debt is zero and the original ( inaccurate ) report is listed as XXXX? Can you please work with Transunion to remove this from my credit? 
Thank you, XXXX XXXX The company responded with a non-answer. I want the company to actually RESPOND with real information before I get a lawyer. Why is the XXXX EVENT on my credit, and I dispute the initial validity of the XXXX event.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX Balance : {$10000.00} XXXX  XXXX Balance : {$0.00} XXXX, XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$5500.00} XXXX XXXX XXXX XXXX ) XXXX Balance : {$80.00} ( Original Creditor : ) XXXX Balance : {$650.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card

XXXX XXXX notified me that a visa card from US Bank showed up on my credit report with a balance of XXXX opened in XXXX of XXXX I have never had this card or account
Product: Mortgage

my beginning balance back in XXXX was XXXX and I requested a payoff amount and the pay off amount as of XX/XX/XXXX is XXXX, this is fraud ; I should have equity on my home loan after paying for 13 years on it. The loan first started with XXXX XXXX. Please help me.attached is teh pay off letter and the main page of the loan I signed for in XXXX.
Product: Credit reporting or other personal consumer reports

The information being reported is incorrect. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, KS XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  KS XXXX XXXX PHONE XXXX : ( XXXX ) XXXX XXXX ) XXXX ( XXXX ) XXXX INCORRECT EMPLOYERS XXXX XXXX XXXX
Product: Checking or savings account

At the end of XX/XX/2020, I went through the lengthy time and trouble of setting up an online account just so I could use the Wells Fargo Bill Pay system and pay ONE STINKING bill every month to XXXX and maybe one other monthly payment. After setting up XXXX as a payee, I tried at least five times to make a payment but the Wells Fargo system keeps insisting on sending a TEXT MESSAGE to my phone. I do not have a phone that accepts text messages as I am on a fixed income and the Consumer Cellular plan I have provides voice calls only, no text messages. However, in addition to my cell phone, I have a landline phone which Wells Fargo was able to call and verify when I originally set up my online access. 

I have called Wells Fargo customer service numerous times and they were unable to help. They actually escalated my complaint to a Complaints Specialist and he provided no resolution and also left me a phone number to call him. I have tried at least 10 times to call the phone number and the phone number does not exist in their system. So, Wells Fargo manages complaints by giving out phone numbers that do not exist so they are a bunch of liars. I am including a copy of the Wells Fargo response with the phony phone number. 

In addition, the requirement to receive a text message prior to making a bill pay payment is DISCRIMINATORY. They are discriminating against older customers who do not have access or the ability to pay for this kind of technology. Discrimination is illegal and Wells Fargo needs to be stopped from perpetuating a practice where they decide who and who can not transfer money and use their services based on technology which is still not available to all their customers.
Product: Credit reporting or other personal consumer reports

Transunion has different product lines that are so confusing that they can not internally communicate to confirm to the customer what services they have or that they are a legitimate company. 

When I received an email from XXXX XXXX ( named simply XXXX on the website ), I accessed my account from the link in the email. The XXXX code sent to my email was copied and pasted into the field and immediately generated a 'suspended account ' email with a phone number to call. Suspicious of a possible spoofed website with a fake phone number, I instead found a customer service phone number on Transunion 's website. After 3 phone calls and 1 chat, the customer service representatives made me less comfortable that the email I received was legitimate : 1 ) first phone call the automated response system had me enter my full SSN and DOB as ID proofing. When a person answered, her first question was to ask my full SSN. When I asked if they could use any other ID elements since I just entered my SSN in the automated response, she did not respond and just hung up. This made me think I was really being scammed. 
2 ) next call the rep did not ask for my full SSN. She asked for my email address and phone number. This was better, but after about 30 minutes she maintained that she could not find any account that I have with them and suggested the email I received was probably fraudulent. I explained that I do have an account since I locked my credit with them, but she said the email was probably 'a glitch '. 
3 ) feeling the need to take some other action, I opened a chat. The person could not help but directed me to a different phone number. I called this number, entered my SSN and DOB in the automated response system again, was transferred to a person, and was immediately hung up on again. 
4 ) Now i XXXX  to see what number comes up for " XXXX XXXX '' and tried that number. The person was able to find my account, confirm it was suspended, and reset the password. She could see no previous communication attempts. She went through extensive ID proofing to allow her to reset my password ( which I appreciate ). However, when I asked her what she could do to verify her identity to me as really being Transunion she could only provide " XXXX '' - not even a last name.
Product: Money transfer, virtual currency, or money service

I made XXXX transfers from my XXXX account for XXXX on the XXXX of XX/XX/year> and XXXX on the XXXX to my Blockchain account. 
I bought XXXX then nothing happened, XXXX were not transferred to the final beneficiary. 
Started questions : Origins of the funds : I sent a document proving I had receive such funds from a XXXX XXXX XXXX XXXXXXXX, They requested me to provide their last three months bank statements. No law firm in the world would do this. 
We dont know who you are and cant identify you! When I open a long time ago the account with Blockchain I had to provide all information they requested BUT I sent a message to their support with my recently updated passport copy and my ID Card. 
We need to know the identity of the beneficial owner. The President of the XXXX XXXX  XXXX confirmed them directly he was as XXXX the final beneficiary for the XXXX XXXX  XXXX. 
After threatening to report them to the XXXX and the Washington State Department for XXXX XXXX XXXX suddenly they canceled both transactions and returned the funds less some fees to my Blockchain account on XX/XX/year>. 
BUT the account is blocked and will be only a XXXX XXXX. I was requested to contact the XXXX XXXX to know how to transfer the funds to my XXXX XXXX. 
I contacted them immediately but SINCE the end of XXXX, I just receive answers from bots thanking me for my continued patience! 
If I try sending the funds to my XXXX XXXX they say " Verify your Identity '', trying to do it although they already received my updated passport copy and ID Card I am said as this a XXXX XXXX, " we dont need to verify your identity '' going back to to send your funds to the XXXX  XXXX XXXX please contact our Support Center. 
Since the XXXX of XXXX each and every time I contact the XXXX XXXX I receive a new message with a different Ticket number. 
This leads to a huge prejudice as Blockchain dare block the XXXX XXXX  XXXX XXXX.
Product: Credit card

To Customer Service Team From XXXX XXXX Account XXXX XXXX/XXXX/2016 I am notifying BARCLAY in writing on XXXX/XXXX/2016 XXXX PT -- I took out a balance transfer which is now due for payoff on XXXX/XXXX/2016 in the amount of {$1000.00} ( XX/XX/XXXX ). I am being told instead of being able to pay off this amount directly, BARCLAY will apply my intended payment to the amount balance due on my NON-BALANCE TRANSFER purchases. BARCLAY is punishing me financially for continuing to use my card for additional purchases and PREVENTING me from complying without penalty to the BALANCE TRANSFER transaction. This is equivalent to loan sharking and consumer fraud. BARCLAY puts me in a position to be liable for interest I am trying to avoid by paying off the BALANCE TRANSFER amount early/on time. If this is not corrected, I will cancel my account and I am also notifying ALL Consumer Credit Agencies of this practice of penalizing consumers who want to pay their debt in a timely manner
Product: Debt collection

I was contacted by someone named XXXX XXXX from a company called Davis and Jones on XX/XX/XXXX regarding a debt for XXXX XXXX XXXX XXXX XXXX. Stating that their client " XXXX XXXX '' had forwarded a file concerning an absent balance that was due to them. They asked that I return their call to take a statement at XXXX XXXX XXXX XXXX XXXX 

I am not affiliated with XXXX XXXX XXXX XXXX and have not been since XXXX of XXXX Since then I have been contacted by text message in a group chat with phone numbers ( that include my former business partner, old phone numbers that I had possessed over 15 years ago as well as my sister in law ( whom has never had anything to do with my former business ). 

One text message was on XX/XX/XXXX and another was on XX/XX/XXXX.
Product: Debt collection

I am filing a formal complaint against XXXX XXXX for violating the Fair Debt Collection Practices Act ( FDCPA ) by excessively and unlawfully contacting me. Between XX/XX/XXXX and XX/XX/year>, they contacted me eight times : XX/XX/year> : Contacted twice. 
XX/XX/year> : Contacted once. 
XX/XX/year> : Contacted five times. 
Under the FDCPA, debt collectors can not contact consumers more than seven times within seven consecutive days, making this a clear violation of federal law. Furthermore, the excessive contacting has not stopped since this period, adding ongoing stress and inconvenience. 

This is not my first time submitting a complaint about XXXX XXXX, and I strongly urge the CFPB to thoroughly investigate their communication practices. I also request that this debt be removed from my credit report due to their repeated noncompliance with the law. I can provide phone records upon request to verify these claims. 

Thank you for your attention to this matter. Please let me know if further information is needed.
Product: Payday loan

Northway Financial a payday loan company extended several loans to me from at least XX/XX/XXXX through XX/XX/XXXX. A company using the name XXXX XXXX XXXX ( XXXX ) has been harassing me for months to collect a {$990.00} debt. First it was XXXX debts now its XXXX and as I look back at my bank statements I see they deducted for the loan amount using XXXX transactions each time. There is no record of any loan made that was not repaid under their terms. I have been harassed for months by XXXX with many calls logged on my phone and available from my carrier. They have called me a deadbeat, thief, swindler, XXXX among others I ca n't recall. I have been threatened with jail, lawsuits and arrest at my job and home. When I ask for the address they state for safety reasons they ca n't give me the address. When I ask for their business license number they say it is none of my business.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a letter regarding unauthorized inquiries on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have one account with XXXX in good standing and for some reason they have two more accounts under my name
Product: Mortgage

I paid off my mortgage with an insurance check due to a house fire, Ditech received my check as of XX/XX/XXXX. They have paid off my mortgage but I made my last payment on XXXX XXXX the regular payment due. On the payoff details they charged me {$11.00} late fee, nothing was late, and they charged me an additional {$250.00} interest charge though I just made a payment on XXXX XXXX and paid {$260.00} interest. it was like they took my payoff and paid it like it was the XXXX payment that I have already made. I am disputing the {$11.00} late fee and also the {$250.00} interest fee. They also told me my refund could take up to 30 days after payoff even though they have received their money and I am paid in full.
Product: Checking or savings account

Summary : Accounts are continually opened online in my name at M & T Bank On XX/XX/, from M & T Bank a checking account was opened in my name and I received a debit card in the mail- I called M & T and spoke with an agent and also their fraud department to close the account as it was opened fraudulently. M & T closed the account and sent me a letter. I received a bank account Statement and saw that {$280.00} was deposited and withdrew from this account before it was closed On XX/XX/, another account from M & T was opened in my name and I received a debit card in the mail- I called M & T and spoke with an agent and also their fraud department to close the account as it was opened fraudulently on XX/XX/, XX/XX/, XX/XX/XXXX  same exact issues with M & T bank, accounts from M & T were opened in my name and I received a debit card in the mail- I called M & T and spoke with an agent and also their fraud department to close the account as it was opened fraudulently - I begged that they flag my name and notify me and do not open the account - they indicated they could not because it was done on line. 
M & T indicated they have my name, ssn, address so they can open account - again I pleaded my case that they do not automatically open and account and call or email me- they said they can not
Product: Checking or savings account

On XX/XX/2020, Wells Fargo stole {$380.00} from my 401K account.
Product: Mortgage

On XXXX XX/XX/2021 I contacted Freedom Mortgage to inform them I had received correspondence from my insurance provider ( XXXX XXXX ). Freedom Mortgage had not been listed as a new mortgage holder and steps were taken on my end to update XXXX while Freedom Mortgage sent the annual insurance premium via mail, due date of XXXX XX/XX/2021. On XXXX XXXX I contacted Freedom Mortgage again to determine the status of the insurance payment and was told that it had been sent via standard mail with an anticipated delivery date of 7-10 days from its mail date, XXXX XXXX. I was assured by members of Freedom Mortgage that the payment would arrive with a postmark that would be acceptable to XXXX. 

As of XXXX XX/XX/2021, the payment was never received by XXXX. The tracking number that was reportedly on the payment was not available to the representatives that I spoke with on XXXX XXXX. I've now lost my homeowner 's insurance policy due to the lapse despite multiple assurances from Freedom Mortgage, despite all assurances that everything would be taken care of. This is happening after Freedom assumed the loan from a prior mortgage serving company and we have only just made our second payment. To say that I am frustrated and disappointed is a complete understatement. A friend had similar issues with this company and warned us. I don't know what can be done at this point ; but I felt the need to report this as others like myself could find they are without homeowner 's insurance - not even knowing until it is too late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do a thorough research of my credit reports and they did and stated that everything was accurate and then I did a thorough research myself and I found inaccuracies on my report even after they did their research. 

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXX  XXXX XXXX Account XXXX : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX  Account XXXX, XXXX Account XXXX, XXXX Account XXXX has violated my rights.

15U.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 appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Debt collection

This is a medical bill that I had set up payments with the hospital to pay and then lost my card and got a new one and forget to change it with the hospital by the time I call the hospital to set it up again 60 days later it was transferred to a collector ( my fault I should have called sooner ) I called the collection agency professional credit service ( who I had n't received any paperwork from, the hospital had my address and managed to send all the bills after my XXXX to my correct address but the agency decided to send them to my parents who I have n't lived with for 10+ years ) to schedule payments and she informed me my bill was now {$2700.00} instead of what I had paid it down to with the hospital of {$2500.00}. When I asked why that was she informed me they would be adding 9 % interest to my bill each month until I could pay it off ... WHICH SEEMS CRIMINAL! I started looking at if this was legal and the only thing I could find is that debt collectors ca n't charge me more than my original contract which I assume was the original bill from the hospital for just over {$3000.00}
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> The following inquiries were not and should not be reporting. 

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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: Debt collection

The debts that are reporting are not accurate and do not belong to me. XXXX already verified the collection accounts are not accurate and removed them. They are still reporting on XXXX and XXXX.