23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I continue to receive charges on my Bank of America credit card for a company I 've never done business with and have never heard of. BOA claims the charge is legitimate based on information the vendor allegedly provided. It 's difficult to see how anything real could have been provided as I 've never heard of this company. BOA bounced me around to 5 different departments, each of whom claimed they could n't help and had to transfer me on. Of course, each person again required all of my information to be given again and all of them were totally unable to help. 
This is a clear case of fraud yet BOA refuses to take action.
Product: Credit reporting or other personal consumer reports

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 
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 Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I just recently looked at my credit report. I wanted to make sure everything is 100 % correct and accurate. Can you reinvestigate the accounts listed below? 

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

On or before XX/XX/XXXX, I applied to consolidate my accounts to close my XXXX  XXXX and CapitalOne/Walmart into one with XXXX XXXX XXXX XXXX Account balances outstanding as of XX/XX/XXXX as verified by XXXX were the following : CapitaOne/Walmart Acct XXXX # XXXX XXXX {$420.00} XXXX XXXX XXXX Acct. # XXXX XXXXXXXX XXXX XXXX  XXXX XXXX Acct XXXX # XXXX XXXX After this date, no transactions were ever made to affect the balance outstanding as of XX/XX/XXXX. The mailing number of days of the check plus holidays after XX/XX/XXXX could have been received by the bank on XX/XX/XXXX but not on its cut-off date which is XX/XX/XXXX The XXXXXXXX XXXX  now has moved the cut-off date earlier to XX/XX/XXXX to justify charges for fees, ie., late and interest fees as you will note on the attached bank statements which I downloaded online. However, my phone conversation with a XXXX XXXXXXXX customer agent dated today, XX/XX/XXXX said otherwise that it is every XXXX  of the month as their cut-off date thus contradicting thereon the date they stated in their monthly statements. 

XXXX XXXX XXXX should have upon receipt of the full payment from XXXX XXXX XXXX acknowledged the full settlement of my account to confirm the veracity of the payment knowing that the check payment which was made in whole on my behalf by XXXX XXXX XXXX. What is unthinkable though, without my knowledge XXXX XXXXXXXX  started billing for late and interest fees without basis ending XX/XX/XXXX, and onward which has now gone up to {$120.00} with no basis. 

The same situation I am experiencing with Capital One/Walmart which on XX/XX/XXXX posted a {$6.00} interest fee against a XXXX  balance account after a full payment of {$420.00}. That {$6.00} has now grown to {$36.00} and I can only surmise these financial entities are simply vultures that will not allow an opportunity ( to make money ) to let it pass by although knowingly they find it unreasonable, they still push for it because they have the credit bureaus to report for them. 

It is hoped, therefore, that the Consumer Financial Protection Bureau will intervene to provide a resolution to my concern clearing these negative remarks to my credit account that has been reported as delinquent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to fix the issue with XXXX, XXXX and Equifax. I sent them bunch of letters way back XXXX. According to USC 1695 and FCRA along with the FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting to my credit reports. I have attached the recent letters that was sent on XX/XX/XXXX, XX/XX/XXXX which I never received a response for. They are still contacting me and this are still showing on my credit report. I will sue them if they continue to report debt that is inaccurate.
Product: Mortgage

I AM A VICTIM OF MORTGAGE FRAUD AND DISCRIMINATIONS FROM WELLS FARGO HOME MORTGAGE. AS A RESULT OF A CLASS ACTION LAWSUITS FOR MINORITY HOMEOWNERS, I WAS ISSUED A CHECK BY WELLS FARGO XXXX. RECEIPT OF THE CHECK WAS SO UNTIMELY, THAT MY BANK REJECTED THE CHECK AS OUTDATED. I RETURNED SAME TO WELLS FARGO XXXX MORE THAN 7 TIMES FOR A REPLACEMENT. AS TODATE, I HAVE NEVER RECEIVED ANY REPLACEMENT OF THE RESTITUTION CHECK AS ORDERED BY THE UNITED STATES DEPT OF JUSTICE. OUTDATED CHECK NO XXXX, TRACKING NO XXXX, CHECK AMOUNT {$7300.00}. MY MORTGAGE LOAN NO IS : XXXX. THAT MONEY LONG BEEN OVERDUE TO ME AS RESTITUTION. AND THE XXXX ISSUED ME A BAD OUTDATED CHECK WHICH OF COURSE WAS OF NO USE. I DEMAND JUSTICE AND FURTHER DAMAGES PLUS INTERESTS.
Product: Checking or savings account

On or about XX/XX/XXXX I contacted Chase bank to let them know about the unauthorized charged in my account and that I needed it to have it care of. I also contacted the Merchant and to reverse the charges but didn't received no response. I then contacted the bank again, and the agent said they will take care of it. They issued me out a new bank debt card, but now I started having issues that the bank debit card closed. I then contacted Chase bank and they activated the card since it was not appearing at first and that I was good to go. I was having issues with the PIN number also but they never did. I called them on XX/XX/XXXX and asked for my PIN number and that they will send in within XXXX business days but never received it. On XX/XX/XXXX They debited my account for another unauthorized amount estimate of {$200.00} and they did not provide me with no explanation on to why this happened. When I lost my phone for a period of time, I was able to find it afterwards. However, between the time I lost it and when I found it the company refused to acknowledge that someone could have my phone and then use it and afterwards which is when the charge on my card occurred. I attempted to explain this to them and they failed to acknowledge this and send me back my money. This is a new complaint and not the same as the previous or a duplicate but with added notes and comments which is submitted with a police report and needed for my refund. I submitted this new information and the company has failed to respond. I submitted the additional information on what happened with the phone and the company ignored it and has failed to act on my money and claimed the CFPB has no jurisdiction on how they handle money in their accounts and they can do with it as they please.
Product: Credit reporting

XXXX County & XXXX County & XXXX County medical providers have erroneously billed for unnecessary medical services for unrequested/unrequired medical services. Requesting CFPB to permanently delete associated medical accounts and medical collection accounts. Per Federal Law medical accounts are NOT to be reported XXXX, Transunion, or XXXX. I have a XXXX credit score, due to medical accounts my credit score has dropped to a mid-score of XXXX which is limiting my credit access in rentals. 

Due to a medical data breach within Counties listed above, medical providers were erroneously called by law enforcement without justifiable cause or medical necessity. 
Essentially, running my medical bills. I assert law enforcement is each County above must be accountable or each County above should pay from County medical indigent funds. I NEVER NOR REQUIRED medical services in State of Florida from XX/XX/XXXX to XX/XX/XXXX. 
My perfect XXXX credit score has been substantially damaged by medical collection accts. 
Review each major credit bureau prior to XX/XX/XXXX - major financial institution accounts report outstanding credit history. CFPB credit report representative must remove malicious billing due to police harassment due to systemic XXXX bias & prejudice.
Product: Credit card

To whom it may kindly concern : I have a credit card account through Bank of America. This past cycle, my bill payment was 10 days late ( due XXXX, XXXX, 2015 ). I had a health emergency and ended up in the hospital. I can send you documentation to support this claim if you wish. 

I do not dispute the fact that my payment was late, however, the reason was beyond my control. My account is now current. 

The issue I have is, I received an letter that my APR will be raised to a " Penalty APR '' at XXXX percent because of this XXXX late payment! With this exception, I have never had a late payment with this account, whatsoever, or any others in my credit history. The hospitalization was completely outside of my control. I made the payment as soon as I was physically able. 

I would also like to add, I attempted to pay my bill online a few days early, but Bank of America 's website was down for " scheduled maintenance. '' The next day, I went to the hospital, so this is at least partially their fault. 
Any help or advice you could provide with this matter would be greatly appreciated. 

Thank you, XXXX XXXX
Product: Mortgage

Roundpoint Mortgage changed my Escrow Payment amount and increased my payment due by~ {$160.00}. I was unaware that this was changed. ( They say they mailed a statement ; I didn't receive the information. I am on paperless billing so I don't receive mailed monthly statements. ) I mailed my payment ( {$2700.00} ) to cover the amount due prior to the payment change for XXXX 's payment. They did not apply ANY of the money to the loan. I sent another payment ( {$2700.00} ) for XXXX 's payment. This was also not applied to the loan. They received over {$5400.00} of money from us and didn't apply any money to our loan to cover a {$2900.00} payment. It seems illegal that they could hold {$5400.00} and not apply any of it to my principal and interest balance. They are saying they have to receive a full payment amount before they will apply it to the loan. The new payment was ~ {$2900.00} and you received {$5400.00}, so why was the XXXX bill not shown as paid? 

I would think the " right '' thing to do in this situation would be to pay my principal and interest and send me a notice or give me a call that my escrow payment had increased and to mail the remaining amount for the escrow account instead of holding onto my money and not applying any of it to my loan. I have never paid a payment late and have a perfect credit score. These practices seem like they are designed to take advantage of consumers. I have NEVER heard of a financial institution not applying money received for a loan payment to the loan balance.
Product: Checking or savings account

On XX/XX/2023 I received a incorrectly deposited check in the amount of {$38000.00} This check was accompanied with a deposit slip with my account number hand written by the Chase bank in XXXX Texas. This is the second time this has happened to my account from the same branch. This time CHASE decided the freeze my entire checking account which had over XXXX of my money. I received a notice from my mobil app that my account was {$4300.00} over drawn!! When I checked I had a XXXX balance. I immediately called the XXXX customer service number and was told my account has been frozen due to fraudulent activity and I needed to go to my local branch. I told the person on the phone this was due to their error which was plainly visible in my account and I had no trouble with them removing that XXXX from my account but they had no right to freeze my assets.. This person could not help me and would not let me speak with the team that handles this type of accounting issues. I kept pushing that this needed to be taken care of and after 10 - 15 min of holding she said she would transfer me which the next person gave me the same level of customer service and put me on hold which then the call dropped after 10min of being on hold. I had to call back again and spoke with someone who was helpful and she was able to get them to release the hold on my account and my balance was back to its correct amount before the {$38000.00} mix up that was 100 % Chase 's fault. My issue here is I don't believe CHASE has the right to withhold MY money for something they did wrong and was plainly visible to them. My other issues is what is being done at that local branch to ensure the teller who made this mistake is properly trained to ensure this does not happen again ( since this is twice now ). I feel my rights have been violated as I was not able to access my money and had to fight and persist with chase until this was resolved. I need explanations as to why this happened and if CHASE followed proper procedures on denying my access to my money. CHASE has been in the news serval times with other customers who have had their account drained and had to get the News involved because CHASE does not work with their customers very well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting this account to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

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

XXXX XXXX will not respond back to issue on my account they source it out to XXXX XXXX XXXX XXXX. On XX/XX/18 they sent the account back to XXXX XXXX in a disputed status. XXXX XXXX   will no respond back not even to they hired to collect which is XXXX XXXX XXXX.

I have mailed US Certified mail with no response. I have called and get nothin g but the run around.

When I switch from XXXX XXXX they took 4 months to get the finale bill to to XXXX and had sent the account to collections before they settle with XXXX. I have letters going back that I mailed XXXX  with no response.

There was a lot of errors with XXXX on this account and as yet to be settle.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Hello, XXXX XXXX XXXX XXXX - XXXX - The merchandise was returned due to defect. Please remove from my report I would like you to please disclose how you verified this account? 
Contract? 
Detailed account information? 
Date Open, Date Close? 
Im also requesting copies of all materials that were used to determine that this is a valid account. 
My reason for dispute are as follows : Balance is steady increasing on my credit report : This is a violation of FCRA and Arizona State law! 
XXXX XXXX Experian Credit Report Balances XXXX : {$19000.00}, XXXX : {$19000.00} Current {$20000.00} The balance was currently is up 70 % from the High Credit Balance and Counting!!!!!!! 
When I returned the vehicle, I was told I would receive a Deficiency Balance after th re sold the vehicle. Instead XXXX XXXX re sold the vehicle and has tacked on 70 % interest on a closed account. This is Fraud. 

Im requesting Verification for the following : Account number? 
Date Open? Date Closed? 
Payment History? 
Vin #? 
Verification giving XXXX XXXX authority to charge 70 % interest on a closed account on a vehicle after re-selling it. 

and the High credit limit is {$12000.00}. This is an erroneous discrepancy and inaccurate. Im asking that due to this violation, this account be removed from my account. 

Account has been closed since XXXX, yet the furnisher has been reporting to my payment history for the last 2 years. This again is a violation and Im asking that this be removed from my report. 

Date Account Opened- / Date of Last Payment XX/XX/XXXX - Same Date? 
Verification that this is accurate, this is extremely irregular and I would like to see receipts of payment confirming that this information is correct. 
Please remove this Account from my credit report Immediately this is incorrect and FRAUD! 


Thank you! 




XXXX XXXX XXXX XXXX.
Product: Credit reporting

I contacted Transunion about an Unauthorized Hard Credit Inquiry that appears on my report. I have tried unsuccessfully to have it remove as they claim they are not able to do that. I have contacted the company ( see below ) and also requested they remove it and they told me it was an Error on Transunion 's part as they did not do a hard pull. Neither wants to address the problem and I want this information taken out of my report as it is inaccurate and possibly a fraudulent request to obtain information about me without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX Inquiry Type : Individual Requested On : XX/XX/2016
Product: Debt collection

Debt Recovery Solutions is still showing on my XXXX  report with 1 amount showing for {$890.00} and another amount showing for $ XXXX.They replied to my CFPB complaint that they will request these activities be remove/delete but they have failed to hold their word and obey the law. 



I dont know this company I have never done business with this company this company doesnt have any contract with my signature.
Product: Checking or savings account

JP Morgan has a 5 year contract with the US Treasury Department to provide account validation services for federal government agencies which include Social Security Administration and IRS. JP Morgan described its appointment as " reflecting the important role that account validation plays in Treasury 's commitment to payment integrity and the reduction of improper payments. '' From Article : Global Government XXXX : US Treasury turns to JP Morgan for payment account validation services. Published by XXXX XXXX XXXX XXXX XXXX 

My husband and I have not received our XXXX Federal income Tax refund to date. We are owed {$5000.00} with interest. We filed our joint marital return 1040 with a cover letter on XX/XX/XXXX by overnight USPS mail which was acknowledge received by proof of receipt. We have been continuing to check with TD Bank to see if our Federal and NY State income Tax was deposited? We issued a letter of inquiry to XXXX XXXX recently on XX/XX/XXXX by certified mail # XXXX, see attached Two days ago when I had inquired about our refund by telephone, it was conveyed to me over the phone that " we did not sign our tax return '' and we " will not be receiving our refund anytime soon. '' It was also conveyed to me that XXXX XXXX " will never see our letter ''. Additionally, I was instructed to open a case with the National Tax Payer Advocate system which my husband and have decided not to utilize since we have no Federal liens and had a disappointing experience in the handling of our XXXX refund by the Tax Payer Advocate Congressman XXXX utilized on our behalf. When, I had sought help through my local representatives who utilized their tax Tax Payer Advocate on my behalf ( XXXX missing stimulus money XXXX XXXX and XXXX ), the Tax Payer Advocate misinformed my representatives about the material facts of my filing. 

We would like a full description from Chase about their account validation contract with the Department of Treasury and how it is it implemented? In addition we want our letter to be forwarded to XXXX XXXX to resolve the problems being created to delay our legitimate refund. {$5000.00} plus interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 I noticed that my credit score has dropped due to inaccurate reporting. I have attached screenshots of my online XXXX credit report and my Discover card account. The fair credit reporting act law 15 U.S code 1681 states that all consumer reporting companies must provide a account credit report and score. XXXX is not showing the Reporting balance/Available credit that Discover is reporting. This inaccuracy has lower my credit score.
Product: Mortgage

This email is intended to report Wells Fargo involvement in a fraudulent transaction back on XX/XX/XXXX, in the amount of {$14000.00}. 

A Wells Fargo banker name XXXX XXXX had advised me several times that I could qualify for a HELOC, and I would have small payments, Which I declined every time he offered me this HELOC. On XX/XX/XXXX, I was approached again by mention banker " XXXX XXXX '' regarding a HELOC, and then I decided to request a HELOC in the amount of {$10000.00} which it was approved and deposited into my Wells Fargo checking account. 

In XXXX of XXXX, I was in the process of selling my house, and i noticed that my HELOC unpaid principal balance was still {$9800.00} " Approx. '' I went to the Wells Fargo branch, and I was told that it was accurate, they brought up to my attention about the " suppose '' HELOC that was processed on my behalf " UNAUTHORIZED. '' I proceeded to file a claim with Wells Fargo and waited for their investigation outcome. 

Weeks after, Wells Fargo responded and made me aware that on XX/XX/XXXX, there was a HELOC application in the amount of {$14000.00}, the application also had a co-borrower named " XXXX XXXX '' which I have no relationship nor involvement what's so ever with mentioned person. Wells Fargo also provided documentation where the HELOC application was signed by this individual and me " supposedly '' and for Well Fargo convenience, it was notarized by same banker that processed the HELOC application " XXXX XXXX. '' On that document, you can clearly see that my signature does NOT match my actual signature, I made Wells Fargo aware of this and their excuse always is that it was notarized by a Public Notary. Wells Fargo has not provided records or proof of this funds being paid out either by check, cashier 's check or direct deposit just like the actual and legitimate HELOC that was processed on XX/XX/XXXX, for the amount of {$10000.00}. 

Wells Fargo banker " XXXX XXXX, '', their Public Notary, processed a HELOC application for the amount of {$25000.00} when I had only requested {$10000.00}. Their intention was to pay off the UNAUTHORIZED and FRAUDULENT HELOC created on XX/XX/XXXX, in the amount of {$14000.00}. Therefore, the amount deposited into my account was {$10000.00} after the fraudulent HELOC was paid off. 

It's unethical and no fair for me as a consumer that Wells Fargo is trying to take advantage of me as a consumer for their own benefit. It is also OBVIUOS that their own Notary/Banker processed and notarized all documents such as applications and everything else.