23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I refinanced my mortgage with another company on XX/XX/XXXX. Mid Island Mortgage Corp my previous mortgage company was sent the payoff for my mortgage and cashed the check on XX/XX/XXXX. On XX/XX/XXXX they took the automatic payment from my checking account of {$2500.00}. I called on XX/XX/XXXX and spoke with XXXX at extension XXXX she said she would stop and flag the payment and the money would be returned in three days. I called on XX/XX/XXXX and spoke to XXXX she said that the request to refund the money was refused by the manager and the payment was being added to my Escrow account and would be returned with that check usually in twenty days. I called three more times in the next 48 hours begging to give back my holiday money and was told it was my fault for not cancelling my auto pay. On XX/XX/XXXX I started calling again because I had not received my Escrow balance or my mortgage payment back yet. On their web site it showed the funds of {$9300.00} were released on XX/XX/XXXX. I called and messaged through their website for the past ten days every time being told to be patient and the check is in the mail. Today is XX/XX/XXXX I have not received the check and no-one from Mid Island has attempted to correct the situation. Every auto reply I get from my messages are the same " We automatically release funds in an escrow account sixteen ( 16 ) business days after the payoff. Generally, a check is issued and mailed within four ( 4 ) business days. '' Even with holidays figured in we are way past this time frame. My understanding of regulation XXXX says 30 calendar days not business days.
Product: Credit card or prepaid card

On XXXX of 2020 Self Inc. reported a late payment. I didn't realize it until XXXX and I contacted the customer service department they told me they could not fix it at that time I could not understand the error. Now XXXX I figured out the issue and screenshotted the info. I know the info was updated it was confirm with the rep and if I hadn't double check the issue, the problem would have happened again. The autopay was not correct again and if I hadn't manually paid the payment and checked within the 15 day grace period, I would have had yet another late on my credit report. Everyone makes mistakes and I requested for it to be corrected but they are trying to act like its my mistake.
Product: Mortgage

I signed up for automatic payments with the loan company on XX/XX/2021 & XX/XX/2021 I saw on my statement bad check reversal for {$1500.00} and I was charged for a returned check fee. The money was in my account I attempted to call and speak to someone about these charges and payments I was left on for for greater then 20 minutes multiple times, I left messages and I used their contact form. I did not receive any response from anyone. I never received a copy of the payment being returned by the bank from the company and my bank always contacts me with any activity on my account. I stopped the automatic payment program and now pay monthly. 

I then received a letter from my home owners insurance company XXXX XXXX XXXX that my premium had not been paid by the loan company. They tried contacting them multiple times also. My loan includes homeowners insurance, property tax and the actual mortgage payment. 
I emailed copies of my home owners insurance to my loan care and they were supposed to pay the homeowners insurance. 
This company has the worst customer service and no communication comes from them. I want to change loan companies, I have never had this lack of response from any other company I have dealt with. I am going to try and change loan companies
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX Subject : Immediate Removal of Inaccurate Bankruptcy from My Credit Report Reference number : XXXX Record type : Bankruptcy XXXX  XXXX Court : XXXX XXXXXXXX XXXX XXXX MIC To Whom It May Concern, I am writing to demand the immediate removal of an inaccurate bankruptcy reporting on my credit file under the provisions of federal law. This erroneous information has caused significant harm to my financial standing and is a blatant violation of my rights under the Fair Credit Reporting Act ( FCRA ) and other federal statutes. 

As per 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may not furnish a credit report without a permissible purpose. This includes ensuring all information provided is accurate and verifiable. The reporting of this bankruptcy does not meet these standards.

Under 15 U.S.C. 1681q, knowingly and willfully reporting false or inaccurate information is unlawful. Your failure to verify the accuracy of this bankruptcy entry demonstrates either gross negligence or intentional misconduct, both of which violate this statute.

Furthermore, 18 U.S.C. 1028A provides for severe penalties for identity theft and fraudulent use of personal information. If this bankruptcy resulted from fraud or misrepresentation, your failure to investigate and correct this entry implicates you in enabling such violations. 

Lastly, 15 U.S.C. 1681c-2 gives me the right to block information on my credit report resulting from identity theft or fraud. I demand you immediately investigate this inaccurate bankruptcy and remove it without delay.

I expect a prompt investigation and written confirmation of the removal of this inaccurate information within the next 30 days, as mandated by law. Failing to comply will leave me no choice but to escalate this matter, including filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office. 

This letter serves as formal notice that I will pursue legal action to protect my rights if necessary. 

Sincerely, XXXX XXXX XXXX : XX/XX/XXXX SSN : XXXX Phone : XXXX Enclosures : Copy of Government-Issued ID utility bill for Address verification Letter from the United States Bankruptcy Court
Product: Checking or savings account

The bank is Fifth Third. 

I have not closed the account yet. Waiting for interest payment. 

I have a " relationship money market '' account with 2 % for the first 3 months ended XX/XX/18. 

Even if I go below the {$25000.00} the offer says I would receive a blended rate. 
I had a balance of {$100000.00} until XX/XX/18. 
{$40000.00} until XX/XX/18 {$0.00} until XX/XX/18 Per Offer attached : " Your interest payments may reflect a blended APY that is below 2.00 % '' The bank refuses to pay ANY interest on the month of XX/XX/2018. 

XXXX XXXX XXXX is the personal banker. 
XXXX XXXX is the Manager. 
XXXX XXXX XXXX. 
XXXX, fl XXXX XXXX
Product: Debt collection

This company has put a debt on my credit report that doesn't belong to me, how can I owe this debit when another company outside of this company is trying to collect from me as well on the same debit. this is very frustrating as this is hindering me from getting credit.
Product: Checking or savings account

Pnc bank will not allow me to link my acct to send and receive my personal deposits
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX } { XXXX XXXX XXXX XXXX { XXXX } { Credit Bureau : XXXX XXXX XXXX } { Credit Bureaus : ALL 3 } { XX/XX/2022 RE : Request for Investigation of Unauthorized Credit Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on { XXXX } and I noticed an unauthorized credit inquiry had been made. I contacted { XXXX XXXX XXXX }, who conducted the inquiry and asked them to remove their credit inquiry from my credit report. I request that you investigate the [ XXXX XXXX XXXX ] inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. Thank you for your assistance in this matter, { XXXX XXXX  }
Product: Checking or savings account

I am unaware when the account was opened with a Wells Fargo Bank or what transactions may have been made. Nor do I know the address that was used for this account, since I have not received any statements. I became aware of the account when I was served papers in XXXX of XXXX  for a complaint that was wrongfully issued against me. The bank account information was referenced as part of a XX/XX/year> contract for factoring services that another party signed up for using my name and the name of my Assumed Business Name.
Product: Debt collection

Back in 2023 I had a breakdown in XXXX XXXX XXXX, Utah. I found a roadside assistance on XXXX. I called the guy and I explained him the situation and he agreed to come and repair it. However, he asked for prepay for the service. I agreed and I paid on my credit card. Once I paid he said he would be there in XXXX minutes. Time passed and I kept texting him! He said the same. The state trooper was behind me and my co-driver also was with me. He never showed up and I called another roadside assistance he came and repaired on site. Still, the other guy did not show up. I asked them to refund me for the service that I did not receive it, but they charged me {$350.00}. I disputed the transaction and after a few months they have decided that I have a right to get my money back. Now, a debt collector sent me an email and he was saying that I owe that money and I never paid him. I have to pay in XXXX  days. I called the debt collector and I spoke with him nicely to explain him the situation, but he was threaten me that he would take me to court and he would put me in jail if I do not pay it in XXXX days. I need you guys step in this situation please! 
Thanks
Product: Credit reporting or other personal consumer reports

I called Comenity Bank multiple times end of last year XXXX or XX/XX/XXXX when I noticed the unknown information on my report ( I have never fully reviewed my full credit report until last year ). It came up as COMENITYBANK/VICSECRMC -The card was opened XXXX, which was not by me, with low spending until end of XXXX up to about {$7500.00}. Comenity could not locate any account linked to my information- that includes my current full name, former last name, social security number, all of my addresses, phone numbers, etc. They could not help me at all. The last time I called Comenity Bank, the representative, XXXX from Comenity Fraud Department, called me by the name, XXXX, before asking to verify my information. I told her that was not me, but she could not help me because none of my information matched or came up? 

I have disputed this already and the result came back as still on my credit report and information is consistent with mine? Which is absolutely false. I was surprised to find out the investigative process procedure only includes my dispute being sent to the company ( bank ) to verify information. Again, as above, Comenity could not link my information to any account in their system even using my social security number. So how did they confirm this is me? 

Please deeply investigate and remove this from my credit report as I did not open this card and it is not me making these charges. I have called the bank and given them all of my information and they could not link anything to me. Again, I do not have access thjs this card, do not have this card on record and 100 % not me spending on this card. If you can see what the person ordered, the address it was sent to or where they were purchasing from, I dont know, but it is not me. Please help. I am not sure what the next steps are or if it is easier to contact me to discuss this. 

Thank you.
Product: Money transfer, virtual currency, or money service

I had made wire transfer of {$1500.00} on XX/XX/2018 to XXXX XXXX through wells Fargo bank XXXX XXXX branch. wells Fargo bank has guided the rule that IBAN number should be used instead of account number. the banker who did the wire was unaware of that and she used account number instead of IBAN. After that the Wells Fargo team self generated the IBAN number without my consent and credited the amount to generated IBAN. And IBAN created by them is XXXX and which is NOT CORRECT different from my beneficiary IBAN # XXXX. Now they are calming that we credited the fund to the right account. It's impossible to have 2 IBAN # for one account. My beneficiary is still calming that he has not received the fund yet. Now wells Fargo bank is saying that its the beneficiary and the consumer 's problem. They are saying that wire department is not taking responsibilities for the mistake made by them.I have been continuously making contact with Branch manager and the bankers involved in this case. But they are saying that I should provide the proof that my beneficiary has not got fund. If they had already credited the amount to wrong account number how can my beneficiary gets the money. I have no where to go from here and i would greatly appreciate any help from your part. I am the sole provider for my family as my dad just underwent XXXX XXXXXXXX and I that money was loan repayment for my dad 's load. I am in no position to make another payment of same amount as i pay for my family expense and my school too.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX EXPERIAN XXXX XXXX XXXX, XXXX, TX XXXX To Whom It May Concern, Going over my credit report, I have found it has many errors. It has come to my attention that you are reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal for your assistance. As a national reporting agency, you are governed by the Fair Credit Reporting Act ( " FCRA '' ), which protects consumers from inaccurate, outdated, or invalidated information reporting of their credit file. The FCRA states that it's the Credit Bureau 's responsibility to ensure that all information contained within consumer credit files is accurate and free from errors.

According to federal law, you are required to comply with the requirements imposed under the FCRA, 15 U.S.C. 1681 et seq., including but not limited to : follow reasonable procedures to assure maximum possible accuracy of the information in the consumer report, as required by 15 U.S.C. $ 1681e ( b ) ; 2 ) comply with the investigation requirements ; 3 ) should not provide consumer credit file to companies without determining that these companies had a permissible purpose to obtain consumer credit file pursuant to 15 U.S.C. 1681b ; 4 ) provide consumer credit file pursuant to 15 U.S.C. $ 1681g ; 5 ) et seq.

Accordingly, I request your company to provide verifiable documentary proof ( e.g., original consumer contract or similar proof bearing my wet ink signature on it ) you have on file of accounts/items listed below. Under the FCRA, if you do not provide documented and verifiable proof, you must remove all unverified, invalid, derogatory information from my consumer disclosure report. For your convenience, I am sending you a list of the items you need to verify them. These listed accounts are neither my debts nor my authorized inquiries. Please correct this by the removal of these items from my credit report. See. Exhibit A. Upon completion of your investigation, please send a detailed description of the procedures used to determine the accuracy of the account ( s ) I am disputing, as well as the name and contact information of the agent conducting the said investigation in case further communication is necessary. I know that your company will need some sort of verification to prove my identity. My information is clearly shown below : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  NY XXXX SSN- XXXX Email- XXXX Phone- XXXX DOB - XX/XX/XXXX ACCOUNTS THAT NEED TO BE REMOVED ARE BELOW XXXX XXXX - XX/XX/XXXX {$890.00}
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly XXXX It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the XXXX XXXX this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Product: Checking or savings account

New complaint same issue. 

2nd time Citizen 's bank did this to us! Ridiculous. 

XX/XX/18 I noticed my Mom 's acct was left with XXXX dollar after having XXXX dollars in it from her combined pension and social security. My mom is totally XXXX and I am her guardian to which I provided paperwork on file when we opened our bank accts. for me being her joint owner to this acct. 

When opening my friend 's acct XXXX XXXX the bank associated assigned our joint acct to my mom 's acct. I did not correct it when I had found out, but XXXX 's direct deposit was set up going into moms ' acct. While moms Pension that say ANNUITANT COMM OF PA and I do not think the bank explored this that this is showing her pension being deposited since opening the acct. 

Well, as fate would have it without warning, the bank takes my MOM 's money leaving her with XXXX dollar in the acct. She only gets her pension and social security once a month to spread across medical bills, mortgage, bills, food, utilities, life insurance, and living expenses with dad. 

What I do not understand is, if they saw that XXXX and My mom only have 1 acct. this joint acct. and XXXX has his sole acct. how do you wipe out an acct between two accts that shows he only has {$490.00} ( out of {$500.00} in Mom 's acct ) left in the bank in total? NO consideration to their living expenses or bills or anything! 

That in an of itself is incomprehensible. And for this bank to boast and pride itself on being friendly and family oriented is a straight flat out lie. 

So to this end, they took my moms ' money by which the response to my complaint may be ( like my other compliant ) that XXXX and Me are the ones considered as sole owners to this acct with no trace of my mom being on the acct. And that they still have the right to take money no matter whose it is. And it will be so convenient that they will not have any paperwork that applies to me being moms XXXX  and me opening up her acct. and us being joint on it like they just said in my last compliant when taking the XXXX 's entire paycheck out to cover my negative balances. 

There are no breaks for hard times for the customers who may be struggling, by a bank who is by no means hurting or struggling. There are reasons people are not covering their negative balances as quick as the bank would like, and to not explore those reasons or to see how to assist whether offering resources or options, is crazy. 

Our loyalty to this bank means nothing. And I am floored that they have taken a XXXX woman 's last {$490.00} dollars leaving her with XXXX dollar bill and not practicing or maybe not subscribing to the Lending Code. 

Totally unfair.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that is being reported on my credit report. 
Specifically, the following items are incorrect and are negatively impacting my credit score : Account Name : XXXX  XXXX Account Number : XXXX Reason : I dispute the missed and late payments reported on this account, as they do not reflect my payment history. Please provide all statements and records of payments since I opened this account. I disagree with the results of your investigation and request proof supporting the negative payment status. If no such proof exists, please delete this damaging information. 

Account Name : XXXX Account Number : XXXX Reason : Im deeply saddened by the negative payment status on this account, which I believe is inaccurate. Please provide statements showing the exact past due amounts and the date this account became negative. I can not agree with your investigations results. Please mail me the proof supporting this negative status or remove this damaging information. 


Account Name : XXXX Account Number : XXXX Reason : Im deeply saddened by the negative payment status on this account, which I believe is inaccurate. Please provide statements showing the exact past due amounts and the date this account became negative. I can not agree with your investigations results. Please mail me the proof supporting this negative status or remove this damaging information. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Im deeply saddened by the negative payment status on this account, which I believe is inaccurate. Please provide statements showing the exact past due amounts and the date this account became negative. I can not agree with your investigations results. Please mail me the proof supporting this negative status or remove this damaging information. 

INQUIRIES : TRANSUNION XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These items are inaccurately reported or should have already been resolved, yet they remain on my record. Ive tried everything reaching out to the credit reporting agency and the data furnisher but the issue still haunts me. 
Ive attached all the proof I have documents, screenshots, everything showing the errors on my credit report. Please, I ask that you thoroughly investigate this and correct the mistakes. This has weighed on me for so long. I just want my credit report to reflect the truth.
Product: Checking or savings account

I was contacted by Wells Fargo via two letters that indicated my account would be closed due to reports that the bank had received regarding identity theft. I have two letters, one dated XX/XX/XXXX and one XX/XX/XXXX - both arrived the same day - both reference the same account - both give different dates of cancelation of the account ( s ). I called the bank to find out why I have received these letters. I DID NOT open any new accounts with Wells Fargo, I do NOT have any existing accounts with Wells Fargo and I did not give my permission to open an account with Wells Fargo. They refused to help me over the phone. I called the Fraud and Claims Management department. They would not open a Fraud case and they indicated that could not give me any information about " my '' accounts and they told me I had to go in person to a location to resolve the issue. I do not live near a Wells Fargo bank and would not be traveling to go fix a problem that I did not create. Wells Fargo allowed a fraudulent account to be opened in my name. They refuse to tell me how, where or with what documentation they allowed an account to be open. Nor would they disclose what type of activity was going on in this fraudulent account.