23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information.

3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even st
ricter guidelines enforced by the office of attorney general in my state of domicile.

I respectfully request each investigation to be reported to XXXX, XXXX and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 I realized that there was a collection on my Transunion credit report from Defense Finance & Accounting Services ( Dfas-de/fydc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ). I contacted DFAS to determine what this debt was for in XXXX and was told by a representative that there was an error and I actually overpaid DFAS and was owed a refund so they would remove the debt from my credit report and send me a check for the refund. I also disputed the account with Transunion in XX/XX/2023. 
XX/XX/2023 the negative account from DFAS was reported to the credit bureau once again and Transunion validated the account as accurate/remains from my XXXX dispute. I called DFAS and was told that they found another debt in their system so I wouldn't be receiving a refund, but the overpayment was enough to cover the new debt found and that they would request the current debt on my credit report be removed once again but it could take 30-45 days. 
XX/XX/2023 the negative account with DFAS was reported to Transunion once again. I called DFAS and was told that the request to remove the negative account from my credit report was for the new debt that they found in their system and not for the debt that was actually showing on my credit report. I was told that the request would be resubmitted and that it could take 30-45 days to be removed. 
XX/XX/2023 the negative account with DFAS was reported to Transunion yet again and this time I was told by the representative that the request to remove the debt had never been submitted and that she would submit it and send an email confirmation to my personal email address. She sent a generic email that doesn't detail to who she sent the request to remove the debt. I contacted Transunion by phone to file another dispute of the debt. 
XX/XX/2023 and the negative account with DFAS has been reported to Transunion once again. 

At this point I feel it's pointless to contact DFAS about the debt. Over the past 5 months the only thing that changed each month was the status of the debt or the amount owed. This is a debt that I never even had and they are refusing to remove it from my credit file. I am in the process of trying to buy a house and this has greatly hindered that process.
Product: Money transfer, virtual currency, or money service

My phone was hacked police report made. They wiped out my checking account with XXXX  and my coinbase account. 
My XXXX  account was locked and there was no one to get a hold of with many attempts. By the time I did get into my account the assets in the account were GONE. They would not tell me where they went and who received them. Basically too bad. And did nothing
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 Account Name : XXXX # XXXX, Account Name : XXXX  # XXXX, Account Name : XXXX # XXXX, Account Name : XXXX XXXX # XXXX XXXX Account Name : XXXX XXXX # XXXX XXXX Account Name : XXXX # XXXX, Account Name : XXXX  # XXXX, Account Name : XXXX  # XXXX, Account Name : XXXX XXXX # XXXX, Account Name : XXXX # XXXX, Account Name : XXXX XXXX # XXXX, Account Name : XXXXXXXX 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. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer reporting containing any of the following items of information any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years.

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

I am filing a complaint against cash app ( Block Inc. ) due to inadequate customer service and unfair practices, which violate the consumer financial protections act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the E lectronic Funds Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

I am submitting this complaint regarding **Wells Fargos handling of my personal checking account**, which currently holds a balance of **over XXXX XXXX. I recently received an email notification from Wells Fargo stating that **my account would be closed on XXXX XXXX due to what the bank categorized as " excessive claims. '' While I disagree with the characterization of excessive claims, my primary concern is the **conflicting and potentially misleading information regarding access to my funds**. 

In the closure notification, Wells Fargo explicitly stated that I would **continue to have access to withdraw the funds in the account up until XXXX XXXX. However, on [ insert today 's date ], I visited a branch in XXXX XXXX where a banker informed me that the **Fraud Department has determined I am no longer allowed access to the funds**, contradicting the prior written communication. 

This inconsistency has : - Created significant **financial hardship and uncertainty** - Raised **serious concerns about transparency and internal communication** - Prevented me from accessing over {$100000.00} of my own funds despite no legal judgment or external freeze on my account I am requesting the CFPB to : 1. **Investigate Wells Fargos practices** related to account closures and fund access 2. **Clarify whether the bank is legally permitted** to deny access to funds **after stating in writing** that access would remain available until the closure date 3. Advise me on my right to **pursue civil legal action** for the withholding of funds and emotional/financial distress caused by this conflict Attached are copies of the account closure notice ( email or letter ) and any documentation from my branch visit, if needed. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX Acct # XXXX
Product: Mortgage

My complaint is with Bank of America. 

On XX/XX/2021 I received a Loan Estimate from Bank of America estimating my closing costs to be {$8500.00}. My origination charges were estimated to be {$1200.00} and total loan costs were estimated to be {$3800.00}. 

On XX/XX/2021 I received a closing disclosure document from Bank of America estimating my closing costs to be {$5700.00}. My origination charges were now estimated to be {$1500.00} and total loan costs were estimated to be {$2800.00}. 

On XX/XX/2021 the day before my scheduled closing date Bank of America sent me a new closing disclosure document stating that my closing costs had increased to {$9600.00}. My origination charges were estimated to be {$2800.00} and I would be required to pay XXXX in points which came out to be {$1300.00}. My Lender origination fee remained at {$1500.00}. 

I called my loan officer to ask why they had added the additional XXXX point charge and she claimed that she had mis-categorized my XXXX XXXX XXXX as a mid rise instead of a high rise  and that high rise condos need a higher rate according to their model. This was a lie, only condo buildings 6 stories or higher are considered high rises, so my condo was considered a mid-rise. I did not get any of this in writing. 

At this point Bank of America had delayed my closing date 3 times because they lost documentation that I provided multiple times. I was worried that the seller would back out if I switched lenders and delayed closing again, so I felt like I had no leverage to negotiate with Bank of America without losing my condo. 

I only recently learned that these actions taken by Bank of America might be illegal and decided that I should file a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I made my yearly purchase from XXXX XXXX with my XXXX card as I have for the past few years. I use my XXXX card only to get the points then I pay it off with the bank account that is connected to my XXXX card online. In XX/XX/XXXX I went to the XXXX XXXX website to make full payment. I proceeded to make the payment, received the thank you for the payment page and noted my personal budget/bill sheet as paid. On or about XX/XX/XXXX I received an email that my account was 30 days past due. I immediately made a phone call to ask why. I was told that it had been reported to the credit bureau as a 30 day late pay 2 days prior to the email I had just received. I explained that I had made that payment back in XX/XX/XXXX and had not gotten any email or late pay notice until that email that prompted the call. During that call full payment was made to XXXX and all late fees were refunded by XXXX. I disputed with XXXX XXXX/XXXX XXXX on XX/XX/XXXX and then again around XX/XX/XXXX. I also disputed 2 times with XXXX and XXXX. This is clearly a system error of some sort which is obviously not an item that can be " proven ''. The only response I'm getting from XXXX is that if there is not proof of it being " their fault '' there is nothing they can do. I debated that a " fault '' of a system error is impossible for the consumer. My credit has been in perfect condition for many years now and this is the one and only blemish, reducing my score by more than 50 points. I am asking XXXX to simply make a courtesy credit removal due to some sort of system error. I have also consulted a credit repair company that advised I try once again to remedy it with XXXX XXXX/XXXX XXXX and then proceed to file with the CFPB, OCC, XXXX XXXX XXXX XXXX and social media negative blitzes. I shared with XXXX the steps I was going to take and they did not care. I am in awe of how an error of this sort can have such an impact on a consumer with zero path for the consumer to be protected or heard and treated as a human being instead of a number or piece of paper.
Product: Credit card or prepaid card

I opened an account with citi bank in XXXX 2018. After two months, they closed my account without warning and explanation. After one month, they closed my XXXX XXXX which I have been used for couples years without warning and explanation too. Citi bank refused give me back credit card rewards money which around {$200.00} and also the bank interest. I called the customer service many times and asked them why, the only words they told me is " bank decision ''.
Product: Credit reporting or other personal consumer reports

I would like you to conduct an investigation for me to make certain that everything is accurate. 
XXXX ) XXXX  XXXX account : XXXX * XXXX ) XXXX account XXXX XXXX ) XXXX XXXX account XXXX XXXX ) XXXX XXXX account XXXX ******* XXXX ) ** XXXX XXXX XXXX account XXXX XXXX ) XXXX  account XXXX This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, Date of Last Activity and Date *** Reported is not accurate. And because not accurate with the FAIR CREDIT REPORTING you can not post on my credit report. 
*** DELETE 30 Day late from my credit report due to violation of 15 USC 1681s-2 ( F )
Product: Checking or savings account

I had two investment accounts with Bank of the West. BMO purchased Bank of the West. One of my investment accounts transferred over ; my other investment account did not transfer over. I called BMO. They said I had to open a new account and then call them so they could fix the problem. I opened the new account. I called them back on XXXX XXXX XXXX Now they are telling me that they can not locate my second account. They are telling me that they can not see what accounts I had with Bank of the West. The representative told me that I need to contact Bank of the West. But there is no Bank of the West anymore. It was bought by BMO. Even when I try to go to the bankofthewest.com website, it re-routes me to bmo.com. I asked for a supervisor and was told everyone is " in a meeting '' and I would get a call back. Nobody called me back. I am worried they lost my account and do not understand why they can't find my account. Clearly something in the transfer happened - why would one account transfer over and the other not transfer? And why can't they see what accounts I had with Bank of the West? They should be able to fix this and give me access to my second investment account.
Product: Mortgage

Every year for the last 4-5 years Well Fargo has sent us threatening letters at every renewal period of home insurance. 
Our insurance is paid every year on time and regardless of which company we have, the correct first mortgagee is listed. 
This is ridiculous that every year I have to time time to answer to what I consider and inept loan servicing dept. I know this for a fact because in previous years, we personally sent the paperwork in as policy providers changed, only to still receive the same notice and threat to purchase home insurance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Comenity Bank is reporting a late payment on my credit report on an XXXX and XXXX XXXX XXXX store card that were both closed back in 2018. Those accounts were never late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked all 3 of my credit reports and noticed that experian is the only bureau reporting a second adress on my report i understand the fcra that all information must be accurate. I have disputed this adress with them in the past and was told about an investigation that never returned with results.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are still unauthorized inquiries on my consumer report. My consumer rights are constantly being violated by this company.
Product: Debt collection

I cancelled my subscription with XXXX in XXXX of 2023, returned all equipment in XXXX of 2023. I had a remaining balance of {$510.00}. 
I made monthly payment of {$50.00} in XXXX {$25.00} May- {$25.00} XXXX. 
XXXX of 2023 XXXX sent my account to collections. I called XXXX and advised them since I was making monthly payments this account shouldn't be placed in collection or reporting to my credit report. I was advised- Since the account was already sent to collection there was nothing that could be done until I pay the account in full.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX  XX/XX/year> XXXX XXXX XXXXXX/XX/year> XXXX XXXX  XX/XX/year>
Product: Mortgage

Please refer to the attached Cease and Desist Order pursuant to 15 USC 1692 g 5b. 
Aldridge Pite LLP are debt collectors and not attorneys. They hold bar cards but spend most of their time filing fraudulent paperwork against homes of Americans who dispute their alleged interest in our homes and then steal homes across America regardless of the serious title issues. I am now one of their victims. I have asked XXXX XXXX and Aldridge Pite LLP to provide me the Account Loan Data from Original lender and they have refused to abide to 15 USc 1692 g. I am in the middle of Quiet Title and I do not have the time or resources to deal with unethical debt collectors. If they provide the account loan data from original lender - I am willing to talk but not to strangers who file fraud paperwork to steal -- and file documents w/out my authorization pursuant to 15 USC 1692c.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report on XXXX/XXXX/XXXX, I noticed late payments reported on my loan with XXXX XXXX. The lates reported correspond to the passing of Hurricane Maria wich affected the island of Puerto Rico during the months these lates were reported. Access to banking services where impossilbe for everyone since the island suffered from a major hurricane disaster and there was no way to obtain access to banking accounts and all our systems collapsed. These lates reporting are affecting me adversely since I am in the process of purchasing a home.
Product: Credit reporting or other personal consumer reports

In XX/XX/year> I entered into a payment plan to bring my mortgage current. I have made payments every month in the specified amount of {$3800.00} as of the writing of this complaint. Unfortunately, the payments have not been reported to the credit bureaus, which shows missed payments. This has been a terrible detriment to my credit score and has prevented me from receiving the favorable interest rates that I deserve on numerous purchases.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices where transactions settled with insufficient balances despite initially available funds I believe these practices are unfair and request an investigation into my account transactions.
Product: Money transfer, virtual currency, or money service

I was scammed to wire transfer total of {$510000.00} from XXXX to XXXX from my XXXX XXXX XXXX bank account to do cryptocurrency trading. The money did go out with my authorization. But when I realized it was a scam on XXXX, XXXX, I called bank right away to see if they can offer some help to recover the outgoing international wire transfer, was told they can do nothing as money is gone with my authorization, I should bear the consequence.
Product: Vehicle loan or lease

THE VEHICLE WAS UNLAWFULLY REPOSSESSED FROM THE OWNER, AFTER THE FULL PAYMENT OF THE LOAN WAS FINALIZED THE XXXX TITLE AND THE VEHICLE WAS NOT PROVIDED NOR RETURNED TO THE TRUE OWNER
Product: Student loan

XXXX XXXX Representative, XXXX XXXX, has been making harassing phone calls to my co-workers, supervisor, and myself at work. I have sent two cease and desist letters in regards to the harassing phone calls and asking XXXX XXXX representatives only to contact me by mail. Additionally, I have a receipt from USPS certified mail detailing they received the cease and desist letter. I was out from work when my supervisor contacted me on XX/XX/18 stating XXXX XXXX had been calling and leaving messages with my co-workers in regards to my student loan. I received another call from XXXX   XXXX on XX/XX/18, where I told him not to call me at my job, and hung up the phone. I am within my legal right to have all correspondence be through mail, but XXXX XXXX refuses to cooperate with the law and cease harassing me. Additionally, XXXX XXXX refuses to contact me with any detailed information in regards to my account by mail. However, XXXX XXXX 's representatives are all too willing to share my personal information with co-workers, supervisors, and unauthorized family and friends.
Product: Debt collection

AFFIRM ACCT : XXXX Amount : {$160.00} This account Is identity theft. I have filled out all paperwork with state federal government and this needs to come off my credit report or I will be following charges against your company.You have 30 days from receipt of letter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MO. XXXX