23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inaccurate address information listed on my consumer report. Specifically, I do not belong to this address ( XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), as I have never resided at this location. I respectfully request that all inaccurate addresses be permanently deleted from my consumer report. Please retain the following accurate addresses on file : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( my current address ) and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. Additionally, I ask that XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX be updated and reflected as my current address.
Product: Checking or savings account

Bank : XXXXOF AMERICA Account Number : XXXX Due to identity theft, I was the victim of the loss of my phone and wallet, allowing money transfers to be made from my bank account to another without my authorization. As a result, my account at Bank of America was closed and I was forced to take responsibility for these fraudulent transactions. Additionally, I have noticed a number of unauthorized inquiries on my credit history, indicating possible misuse of my personal information. Below I detail the unauthorized inquiries made by various financial institutions : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX ( on behalf of XXXX XXXX XXXX ) XXXX XXXX A PART OF XXXX ( on behalf of XXXX XXXX XXXX ) XXXX XXXX A PART OF XXXX ( on behalf of XXXX XXXX ) XXXX XXXX ( on behalf of XXXXXXXX XXXX XXXX XXXXXXXX XXXX ( on behalf of XXXXXXXX XXXX ) on behalf of XXXX XXXX XXXX XXXX  XXXX ( on behalf of XXXX XXXX XXXX XXXX XXXX ( on behalf of XXXX XXXX ) XXXX XXXX ( on behalf of XXXXXXXX XXXX XXXX XXXXXXXX XXXX ( on behalf of XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX A PART OF XXXX ( on behalf of XXXX XXXX ) XXXX XXXX A PART OF XXXX ( on behalf of XXXX XXXX XXXX ) XXXX XXXX A PART OF XXXX ( on behalf of XXXX XXXX XXXX ) XXXX XXXX A PART OF XXXX ( on behalf of XXXX XXXX ) XXXX XXXX ( on behalf of XXXX XXXX ) XXXX XXXX A PART OF XXXX ( on behalf of XXXX XXXX XXXX ) XXXX XXXX A PART OF XXXX ( on behalf of XXXX XXXX XXXX ) XXXX XXXX A PART OF XXXX ( on behalf of XXXX XXXX ) XXXX XXXX A PART OF XXXX ( on behalf of XXXX XXXX ) XXXX XXXX A PART OF XXXX ( on behalf of XXXX XXXX XXXX ) XXXX XXXX A PART OF XXXX ( on behalf of XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have incorrect inquires on my credit report that are were not authorized. They have negatively affected my credit report. Below are the unauthorized inquires. 

XXXX  XXXX -- XX/XX/XXXX XXXX XXXX XXXX -- XX/XX/XXXX XXXX  XXXX XXXX  -- XX/XX/XXXX XXXX XXXX XXXX -- XX/XX/XXXX XXXX XXXX -- XX/XX/XXXX XXXX XXXX XXXX -- XX/XX/XXXX XXXX/XXXX  -- XX/XX/XXXX XXXX/XXXX  -- XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX -- XX/XX/XXXX XXXX  XXXX -- XX/XX/XXXX XXXX  XXXX -- XX/XX/XXXX XXXX  XXXX -- XX/XX/XXXX XXXX/XXXX  -- XX/XX/XXXX XXXX XXXX XXXX -- XX/XX/XXXX
Product: Checking or savings account

I was charged XXXX overdraft fees of XXXX dollars over a 5 day period when an unemployment check of mine came in later than expected. I called Wells Fargo to try to resolve this. XXXX has been able to help me in a situation like this in the past, so I didnt expect there to be a problem here. Wells Fargo will only overdraft 1 overdraft fee, and therefore once my check comes in I am still overdrawn. I spoke to two levels of agents, they were unable to help and theyve forwarded it to their executive team who will respond in 2 days, but I dont have high hopes for that because thats XXXX. Well see if they can help, but it really shouldnt be this difficult. I will take down the complaint if they can refund the XXXX fees.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. 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. These accounts are : XXXX XXXX XXXX XXXX XXXX Account Number # XXXX, XXXX XXXX & Account number # xxxx XXXX. There are several complaints on these accounts and it needs to be addressed are not complete and accurate. XXXX more thing according to 15 USC 1681s-2, 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 card

All XXXX major credit reporting agencies have received Disputes ( directly and through CFPB ) about the deletion drop off dates on XXXX ( simultaneously ) charged off, alleged Amex accounts on my credit report. Fairly consistently however they report the first major delinquency as XX/XX/XXXX. Thus the deletion drop off date is XX/XX/XXXX. Unfortunately XXXX, XXXX, and XXXX ALL report Amex has responded to their attempts to verify, the correct deletion dates via the " Dispute Response from Data Furnisher '' with a WIDELY VARYING deletion date. XXXX, in fact when there can be only XXXX. Clearly this is impossible if the Amex response to the CRA 's was consistent, accurate, and in fact, diligently investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I noticed I had a couple inquiries I did not recognize on my report so I called XXXX, Experian, and XXXX  to have them removed. They all informed me that I needed to file a FTC report and mail it to them. On XXXX I filed a FTC ID Theft report ; FTC Report Number XXXX. I called all Credit Reporting Agencies again after filing and they instructed me to mail the report to them, I emphasized that I did not feel comfortable mailing sensitive information especially with my information already being compromised yet they said nothing could be done over the phone.
Product: Payday loan, title loan, or personal loan

I've tried to dispute the contract through the administrative process but the company refused to let the process take place
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Texas XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the negative information listed on my credit report. Specifically, I am concerned about the following accounts : Account Number : XXXX XXXX XXXX XXXX XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

Account Number : XXXX XXXX XXXX XXXX XXXX XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

Account Number : XXXX ( XXXX XXXX XXXX ) This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

Account Number : XXXX ( XXXX XXXX ) This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

Account Number : XXXX ( XXXX XXXX ) This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

Account Number : XXXX ( XXXX XXXX XXXX ) This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

Account XXXX : XXXXXXXX XXXX XXXX XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

I request that you investigate these accounts and correct any errors. It is important that my credit report accurately reflects my credit history. I appreciate your prompt attention to this matter. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, XXXX  XXXX  inform you that there is no third party involved in the process. I sent letters XXXX  TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 XXXX  still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law XXXX  continued XXXX  report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX
Product: Payday loan, title loan, or personal loan

Bought an XXXX computer for over {$3000.00} from XXXX XXXX XXXX. In the contract they stated i would have an additional warranty. I dropped off the computer and its been more than 30 days the company advised in their contract that the repairs if exceeded 30 days would replace the computer or give store credit in order to compensate for the money as of today 's date I do not have the computer and I am out of over {$3000.00} of my money. The company is not trying to live up to what has been promised in the contract and has not made any effort to make amends with the consumer. They constantly delay and delay and will not refund me my money or a new computer I am now out of over {$3000.00} and do not have the product for it has been sitting in their repair shop since XXXX XXXX, 2017. They have made false statements in order for the consumer to purchase their extended warranty program and will not live up to what they say they will do.
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 Account number : XXXX Account name : XXXX Account number : XXXX has violated my rights. Or list of inquiries 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 person knows or has reasonable cause to believe that the information is inaccurate.
Product: Payday loan, title loan, personal loan, or advance loan

Please see CFPB XXXX # XXXX for detailed explanation of issue. Company refuses to address system issues that is causing me to incur late fees. They repeatedly tell me that I will get a phone call back from a supervisor that will assist. I never receive a call back from any supervisors. When calling back, they tell me that I'm " not allowed to speak to anyone '' to get assistance. While waiting for a call from supervisors, the company continually charges late fees. 

The bank I make my payments from has confirmed to Axos Bank that there is no issue with my payment or balance. Yet Axos bank continues to falsely accuse there is a problem with me/my bank. 

Therefore, the company has a problem with their system that they refuse to fix so they can steal late fees. I receive emails saying my payment was successful ( XX/XX/XXXX ). I was told by supervisors at Axos bank that they would monitor my account so no further payment issues/late fees would be incurred ( Example : XXXX XXXX XXXX Consumer Collections Supervisor ). Then they charge me a late fee ( XX/XX/XXXX ). 

How is it legal for the company to claim they are monitoring my account so additional issues/late fees would be incurred, and then charge me late fees immediately after? And refuse to remove it? This is 100 % blatant fraud. This company should be sued and shut down. 100s of consumers in your CFPB database have reported the same issue with this bank every month.
Product: Mortgage

We have our mortgage through Ocwen. For several years we have paid extra on all our monthly payments. When I called Ocwen, they said they have a separate account for the overpayments which is about {$800.00} now. They have not been applying the extra money to the principal but instead have been keeping it in a separate account. It was my belief that these extra funds were legally supposed to go towards the principal. What is my legal recourse? 
Sincerely, XXXX
Product: Credit reporting or other personal consumer reports

I submitted a dispute with Experian about the wrong name, address, and employer on my credit report but nothing was done.
Product: Debt collection

Chrystler Capital is attempting to collect a debt not owed by me. I have never signed or applied for a loan with them. This is affecting my credit rating, and is defamation of my character.
Product: Debt collection

This company hasnt verified I owe this debt and will not send me documentation stating that it is owed with my signature attached
Product: Credit card or prepaid card

I wanted to file a complaint and claim against Bank of America. On XXXX/XXXX/XXXX, i went to the Bank of America ATM at XXXX NJ Lobby ( ATM number is XXXX ) to make a payment for my Bank of America credit card. I insert XXXX bill of XXXX but the machine only took XXXX and return the other and told me to try again. I put in the other XXXX bill but it returned XXXX bill back and tell me to try again. Then the system just got stuck and printed a slip out saying " We apologize for the inconvenience. We are unable to process your request and can not return your item ( s ) ''. It never returned my {$1400.00} that i put in. A person at the bank told me not to worry and help me called a number to file a claim. So i called the number that the slip told me to. I was transferred to one person to another and finally some help me filed a  claim. They investigated the case and told me they cant locate the money and say the machine may of have spit the money out after i left. i questioned the investigation but they wont give me a straight answer to what they did to proof that i didnt make the payment on the credit card. These were some of the question i was going to ask. 

1. ATM printed a slip to me that say " We apologize for the inconvenience. We are unable to process your request and can not return your item ( s ) ''. but they say the ATM spit the money out maybe after i left. There should be footage of it showing the ATM spiting the money out or ATM transaction of when it did. If the ATM did spit the money out after i left, i shouldnt be responsible for it. 
2. ATM machine should records any and all transactions through the network. So if i entered my card and pin, they would know at what time i did, and what transaction i was conducting.

3. ATM video footage, the ATM video footage should show me making payment at the ATM, the time and date are on the slip that the ATM printed out saying the error transaction. How could a bank this big not have a camera pointing at the ATM showing me doing the transaction.

4. shouldnt there be an error code that was set when my transaction failed?

5. shouldnt there be logs on the ATM and at the central host receiving the transactions. They should be able to see what happened during that transaction and i have proof of the slip that say i was doing the transaction.

6. If they know something went wrong with the ATM, they should of stop people from using it and solve the problem right away and not tell me to no worry and that they will find the money. Now they are saying the machine may have spit the money out after i left, I cant believe a bank this big, wont be able to locate this big of a money that went missing. This is very frustrating and it have been almost XXXX month and they still cant solve this problem or locate the money.
Product: Checking or savings account

I am filing a formal complaint against Bank of America due to the sudden and unexplained freezing of my account without any prior notification. Despite multiple attempts to contact the bank for information, I have been provided no explanation and have only been told to wait until their investigation is completed. 

This account freeze has caused significant disruptions to my business operations, and the lack of transparency from the bank has only added to my frustration. I am seeking the Consumer Financial Protection Bureau 's assistance in addressing this issue and ensuring that Bank of America provides a prompt resolution and proper communication regarding the status of my account.
Product: Mortgage

On XX/XX/2024, the XXXX XXXX XXXX, a third party, informed me that they had purchased hazard insurance coverage on my behalf worth {$500.00}. They claim that this was due to my property insurance not meeting my mortgage servicer 's standards. 

My mortgage servicer is Click 'n Close Inc. ( NMLS XXXX ). 

The XXXX XXXX XXXX is contracted by Click 'n Close Inc. The XXXX XXXX XXXX sends me harassing letters 4 - 5 times per year. Each letter claims that I need to show proof of homeowners insurance that meets my servicer requirements OR that they have purchased insurance on my behalf because my homeowners insurance does not meet my servicer requirements. 

Each time I receive a letter, I reach out to XXXX XXXXXXXX XXXX XXXX and my servicer. I have been assured by both my servicer and The XXXX XXXX XXXX that they have correct and adequate homeowners insurance on file for my property. 

Since receiving this last letter, on XX/XX/2024, I've tried repeatedly to contact my mortgage servicer or The XXXX XXXX XXXX. I've been left on hold and unable to get through to either party to resolve this issue. 

Without my consent, my mortgage servicer, Click n ' Close, is charging me for hazard insurance on my property. My current property insurance meets their clearly laid out expectations. I don't need their insurance and have not consented to them charging me for more insurance.
Product: Credit card or prepaid card

Due to a change in my financial situation I am unable to pay the debt
Product: Debt collection

National Credit Systems has duplicated a single collection on my credit report with all three credit bureaus. I disputed the duplicated collection twice to no avail. I received a letter stating the duplicated collection would not be removed. 

The original collection is {$3100.00} from XXXX at XXXX XXXX on XX/XX/XXXX. 
The duplicated collection is {$3100.00} from XXXX at XXXX XXXX on XX/XX/XXXX.
Product: Checking or savings account

Complainant : XXXX XXXX, XXXX XXXX XXXX, XXXX, Arizona, XXXX. Telephone : ( XXXX ) XXXX. Email : XXXX Financial Institution : National Bank of Arizona, ( a division of Zions Bancorporation N.A. ) XXXX XXXX XXXX XXXX XXXX, XXXX, Arizona, XXXX. Telephone ( XXXX ) XXXX. Branch manageXXXX XXXX XXXX. 

COMPLAINT ID XXXX SUBMITTED ON XX/XX/2023 The response to my complaint is for the CFPB to allow the the bank to hide behind the small print of their paperwork and to try and pass responsibility to XXXX XXXX. 

The responsibility remains with National Bank of Arizona. They, not XXXX XXXX, effected the foreign exchange transaction that gouged approximately {$90000.00} dollars from me by using a rate far from the market price. 

I have provided the Open. High, Low and Close of XXXX XXXX on the day in question in my initial complaint. For more evidence, here is the official XXXX XXXX XXXX statement regarding the market price on the day. 
https : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They and their agent used a rate of 1.18, when the market rate was 1.24. 

It is obvious that National Bank of Arizona have not complied with their fiduciary duty to protect my best interests. They have not exercised reasonable skill and care, and there is no sign of honesty and fair dealings in their behavior. They have materially adversely affected my financial position. 

Should there be any doubt, I am happy to proceed in the court of public opinion.
Product: Credit card or prepaid card

XX/XX/2020 {$15000.00} I contacted Navy federal credit union numerous times of the identity theft made on my account and even supplied affidavits along with the FTC reports and they still will not remove them from my credit reports
Product: Debt collection

I RECEIVED NOTICE OF A DEBT ABOUT 8 YEARS OLD I DISPUTED THIS DEBT IN WHICH IT WAS FOUND TO NOT BE MY DEBT. IN ADDITION, IT WAS REMOVED FROM MY CREDIT REPORTS. HOWEVER, THIS COMPANY KEEPS RESELLING THIS SAME DEBT AS NEW TO OTHER COLLECTION COMPANIES AND THEY ARE REPLACING THE DEBT ON MY CREDIT REPORT. SO ONCE I DISPUTE THE DEBT WITH ONE COMPANY ITS REMOVED FROM MY CREDIT REPORT BUT MAYBE A FEW MONTHS LATER IT WELL BE REPORTED BY A NEW COLLECTION COMPANY.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX 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 alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Unfortunately I am upside down on my home by {$100000.00}. I just received a Mortgage Statement showing {$200000.00} due by XXXX XXXX, 2015. I am self-employed and my business/income has dropped considerably. I contacted " Keep your home California '' which stated that I qualified for a Principal Reduction however the company that is carrying my note, HSBC, will not allow me to participate. I asked if I could at least get help with their other program that helps with relocation and moving expenses. I was again told that HSBC would not give permission for me to receive help there either. This is wrong! I originally had my loan with XXXX, which I was told went bankrupt which left me stuck with HSBC handling the loan. " Keep Your Home '' stated XXXX was n't even on their list, but my notices show XXXX for payoffs.The only programs they will allow is to catch my payments up then I 'm stuck with the same payment which put me into this trouble to begin with, along with I have to pay those payments on time, ca n't sell or refinance for 5 years. If I default with this program for any reason, then I owe all of that money on top of the original amount. I really need a program which can lower my loan payments permanently, not keep adding to my problems .Without any help, at my age, I can potentially end up in the streets. If there is any way of helping, please. I would be eternally grateful.