23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

The facts areI lost my bank account with you guys because of all these unauthorized charges to XXXX XXXX. There are XXXX of them I believe... Ive NEVER have used XXXX XXXX and I didnt even know what XXXX XXXX was until this dispute. My phone was completely unlocked at the time of my phone being lost. My phone was unlocked with no login code because I have a son that plays games on my phone. I lost my phone in an XXXX going to the hospital with a friend that was staying with me for a while because he was XXXX at moment. I called the phone over and over again. Nobody answered. I tried calling XXXX driver and they didnt answer and so I went to bed. The next day after my friend had left I called the phone and it was answered. The phone was sold to someone online. And I told them what happened and they said that they just bought the phone off the person who was supposed to be my friend. And they offered to me to buy it back for what they paid. When I got it back is when I noticed all the charges. I went to order an uber and it went Through. Then I when went to order a second XXXX is when I realized that my account had been drained so I froze my card and called XXXX and disputed the charges. I also looked into the charges and contacted XXXX XXXX myself and they told me to contact the bank and report the unauthorized charges. They told me they would investigate and then get back to me and they had very poor communication with me. They told me to wait and they would get back to me. Finally i see an email from XXXX saying i need to pay the negative balance in the account or they would be closing my account. I didnt make those charges nor did I authorize them. So my account went negative because someone else did all these back to back charges. On top of that I had all my money in my savings account and I see that my money was transferred from savings to checking as an overdraft. I didnt know it would do that automatically. I kept my money in my savings account to make sure if anyone ever got ahold of my account info. That I would be okay because there wasnt much money in there and if I needed money I could transfer it from my savings to my checking. I wouldnt just keep over drafting my account like that. I really would like to get my hard earned money back from this because its almost {$1000.00} in unauthorized charges and I would like to get my bank account back asap please. Let me know if theres anything else I can do to help in this process. Thank you XXXX is my number and you can also reach me at this email address. 

Thanks XXXX XXXX I also have asked them to reopen my account because they closed my account due to the balance going negative due to fraudulent charges. I reached out to XXXX XXXX and they said to contact the bank because they can not do anything for me as far as refunding my account for my hard earned money. 
I am also a victim of identity theft because I have had multiple accounts opened in my name that i knew nothing about. Ive never had to deal with anything like this so its pretty overwhelming to me and Im learning all this each step of the way.
Product: Mortgage

We closed on our VA loan with Clearpath Lending, XXXX, Calif. on XX/XX/2020. We get daily fliers from them-asking us to refi. Now we are getting daily emails from them. They are annoying and we have called to have them take us off their mailing list, but they just ignore us. Have also emailed them. Not a huge deal, but very annoying. Because of this we would not recommend them to anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX. Auto Loan No late payments have ever been issued on account. Tried resolving the issue with company customer service but the issue has still not been resolved. Account status should show XXXX late payments. On XX/XX/22 company responded about same issue and removed inaccurate remarks on XXXX credit report but did not remove on Experian.
Product: Money transfer, virtual currency, or money service

The XXXX XXXX XXXX ( IRS ) wired over {$1000.00} ( XXXX child tax credit ) dollars to a Wells Fargo account that wasn't mine with my full name and full social security number attached to it in the transaction description. ( a Branch Manager showed me the transaction labeling ) Due to this, the account holder to the account it was sent to use my personal information to receive more of my child tax credit money. ( they used the IRS website with the info from the banks transaction description to redirect my payments for XX/XX/XXXX, Wells Fargo should have this info ) I've made serval appts with the IRS to give them information to verify my identity and to correct the issue, since XXXX ; it's XXXX now and I have not gotten any help. In addition to this issue Wells Fargo allowed over {$13000.00} of my taxes to be deposited in same said account without verification. I've gone to different Wells Fargo accounts with my ID to ensure I didn't have any accounts out there attached to me which it was confirmed I do not. Wells Fargo didn't follow the required policy to check for name and address to which the funds were addressed to but instead allowed the transactions to go through. A total of XXXX transaction addressed to me at their banks that I didn't have an account with instead of declining the transactions. IRS said they would be fined {$10000.00} per transaction yet nothing has happened, and I still don't have my money. I've filed a police report XX/XX/XXXX, I don't have dates, but the IRS has documents I've submitted from XXXX and all I get is nothing. Wells Fargo claims they did something in their system that all the IRS had to do was reclaim the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act XXXX account XXXX Has violated my rights. 
15 U.S.C 1681 section 602 A. States that i have rights to privacy.

15 U.S.C 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without written instructions.
Product: Credit reporting or other personal consumer reports

On XXXX, I filed a dispute ( XXXX ) with XXXX for a lender error on my student loan account with XXXX  XXXX, serviced by UAS. I included my letter from UAS admitting their mistake for terminating my auto-pay without notificationjust 4 months before I had paid it off on XXXX well as a promise to remove negative reporting. 

XXXX responded to the dispute on the same day by changing the " amount past due '' for the months XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to {$0.00}, but they did not fix the payment status of months XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX from " XXXX days past due '' to " paid on time '', nor did they change the status of my account from code XXXX " XXXX days past due '' to code XXXX " Paid/Zero balance, '' and finally still have my account as " first delinquent '' in XX/XX/XXXX. 

Upon further review on XXXX, I discovered not only these unfixed errors in my " payment history '' view for my closed XXXX  XXXX account, but also in my " XXXX history '' view, there are now amounts past due, balances, and scheduled payments for XX/XX/XXXX and XX/XX/XXXX, 9 months after I paid off the loan. 

I filed another dispute on that day, but was only allowed to select XXXX of the errors ; the resolution that day was, again, to change XXXX " amount past due '' values, but not the account status, monthly payment status, nor " date of first delinquency. '' I called XXXX and UAS today XXXX for help. XXXX levels of XXXX customer representatives claimed that they have no way of making the appropriate changes per their resolved disputes, other than filing more disputes. Moreover, the ( very rude ) escalation supervisor informed me that I couldn't even file a dispute within 30 days of the prior one. UAS 's automated system hung up on me upon entering my account information, because the account is already closed. A human representative was not able to help me for the same reason.
Product: Checking or savings account

On XX/XX/year>, I received an email from my bank informing me of a new XXXX XXXX  monthly fee for my checking account, which had been free for the past 20 years. Despite meeting the conditions to waive the fee ( such as maintaining a {$500.00} balance ), I was concerned that this fee was an unnecessary and exploitative charge, especially given the banks financial benefits from fractional reserve banking. 

Later that day, I visited the bank to discuss my concerns. I reviewed a list of questions with the staff on-site seeking an amicable resolution. First trying to see if the imposition of this fee conferred any benefit to myself, if there were alternative account types without monthly fees, or if I qualified for a more permanent exemption similar to the ones they are offering to people experiencing the same account modifications but that fit specific demographics or occupations that the bank prefers over my demographics and occupation. 

During the meeting, the bank manager repeatedly evaded my request for a summary of our conversation, instead offering to answer the same questions we discussed in the meeting via email. When I asked for my complaint to be documented, the manager altered my statements, adding misleading information that minimized my concerns. Despite my insistence, the manager continued to misrepresent my request, causing further frustration until I relented and suggested that she simply draw a distinction in the complaint between my complaint and her attempts to debate or discredit it. 

As our meeting was wrapping up, they added that they could provide me with a written summary of the meeting however they would need approval from individuals above them in their hierarchy. The manager 's actions felt like an intentional act of obstruction, especially given how straightforward my request for a summary was. While this was stated, no higher-ups were contacted during my visit to authorize a conversation summary. 

I left the meeting feeling that my concerns were dismissed and that the banks handling of the situation was obstructive and unhelpful. This experience has significantly eroded my trust in the bank, and I am seeking a resolution to the issue, including a possible reversal of the fee policy and a review of the banks customer service practices.
Product: Money transfer, virtual currency, or money service

HSBC N/A has been holding up a payment from the XXXX to our account in the amount of {$120000.00} for over 10 days now. We have been receiving transfers from this account dozens of times a year for many years. All the information that HSBC requested has been sent to them repeatedly. HSBC employees routinely lie to us, ask for information that we know they already have, and send us on fool errands to see if we go away. Meanwhile, their illegal retention of our money is causing us serious financial problems.

Specifically, the HSBC employees named below, whose responsibility is to help us in these matters, have refused to even return increasingly urgent calls or emails from myself and my wife, over a period of days, in a extraordinary display of unprofessional conduct. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This company keeps reporting XXXX collection accounts which have been paid. When I paid these accounts they agreed to remove them from my report ... I guess it 's called a paid for deletion. I never received a letter fro them which I understand is important. I 've called them on the phone & they said the would n't remove them. They continue to report the account as a collection when they agreed over the phone to remove it. The negativity is impacting my ability to get a loan when it was paid over 2 years ago. I would like Paragon to remove it at once from all XXXX credit reporting agencies.
Product: Credit reporting or other personal consumer reports

The following account and inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud. 
ACCOUNT : XXXX XXXX XXXX ; INQUIRIES : XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022, XXXX XX/XX/2022, XXXX XX/XX/2022, XXXX XX/XX/2022, XXXX XX/XX/2022 and XXXX XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 XXXX I have the right to privacy. 
15 USC 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date ( XX/XX/year> ) Since then the account has repeatedly been updated as charged off. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : Account name XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I make complaint about my credit report that was inaccurate and wrong data and it 's not me.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I have reached out to National Credit Systems several times ( XX/XX/XXXX, XXXX XXXX ) asking them to provide me with details regarding the amount that they claim I owe them. They have never obliged my requests, nor have they provided me with the proper details needed to ensure the debt belongs to me. 

At this point, the debt in question has already exceeded the statute of limitations for landlord/tenant agreements for the state of Florida anyway XXXX which is 5 years. According to my credit report, this debt was first reported XX/XX/XXXX, which was 5 years, 9 months ago. 

I am asking that this be addressed with National Credit Systems and/or be removed, as it is still being unfairly reported to the credit bureaus.
Product: Payday loan, title loan, or personal loan

On XX/XX/2023, I was approved for financing with Conns. I purchased a television for {$600.00} and requested to pick-up the appliance in lieu of having it delivered. When I received the invoice and installment contract to sign via XXXX, a delivery fee of XXXX + tax was included on the contract. On XX/XX/2023, I called the customer service department to request a new contract and invoice with the delivery fee removed. The agent said it was system glitch. I was told they would not remove the delivery fee or send a new contract but would credit the delivery fee to my account. I explained just crediting the delivery fee to a persons account would not actually resolve the issue as your company adds this fee to the installment contract which means it will subject to interest. She further explained thats all they can do and would not issue a new contract. I cancelled my order. It is my belief that Conns does this as a practice to commit fraud against their customers by adding a delivery charge to all online orders. It seems to me as bait and switch at the very least.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a hard inquiry that I did not permit. 

CREDCO XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
Product: Mortgage

Called and asked 4 times in past month to have a new escrow analysis, due to me paying off new supplemental property taxes. Nothing but lies about when I called, who I called, and what company I called. Carrington mortgage says the have a 3rd party tax company do it for them but then their own too, that do not communicate with each other. My property taxes are less here in California due to me being a XXXXXXXX XXXX. They are refusing to change my mortgage amount from the XXXX a month to my normal XXXX a month payment even when, or if at all this escrow analysis is even done. I also was basically harassed on the first of XXXX about weather I was going to make a payment for that month, and had to tell the to take me off a call list because we have 15 days legally to pay, and it had not even been one day before they called my workplace to harass me! How embarrassing is it that I've had over 8 banks in my life for my home and this is the only one who purposely messes up your account in order to try and scam money from you. I have a good feeling that even after being told by 3 different people at Carrington that my escrow analysis would not be done, the date is constantly changed on me when it will happen, who it will happen by, or if it will happen at all. This company is morally bankrupt and im ashamed to be a XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

In XX/XX/XXXX we contacted home Point Financial which is our mortgage servicing provider to ask them about a forbearance program due to Hurricane Irma. We were advised in XX/XX/XXXX early XX/XX/XXXX that we were approved for that but that we would have to repay that come XX/XX/XXXX. However, my husband lost his job due to the company closing and then contacted home Point again to ask them to start the benefit package through the VA to cover a mortgage until he gained employment again. We then waited and waited and waited made multiple phone calls in regards to the package they were supposed to mail us out to fill all of this documentation out. We finally received the package late XX/XX/XXXX. We filled it out sent it in and was requested by them multiple times to continue to update the information because it had been so long since they have looked at the package. There was never one direct point of contact for me to call and follow-up with. Then in XX/XX/XXXX when my husband gain employment I went to log on to make an online payment and they had locked us out of the system. Then from XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX until now I was calling them asking to make a payment and they told me I could not do so because we have been in underwriting and we were told to wait until we had a decision. Then, yesterday I received a call from XXXX  at home Point Financial and she stated that we were denied the VA package due to income ratios. She then stated that they would start the foreclosure process and it could be done in weeks if not months. I then contacted XXXX at the VA and she pulled up our loan information and saw that we've had no modifications and nothing done to her alone so that we are still in the parameters of receiving benefits to prevent foreclosure from the VA. We are doing everything we can following up with phone calls trying to make payments and here we are being told that we have no other options. But I know that there are!!!
Product: Vehicle loan or lease

In 2016, my son went to XXXX XXXX XXXX in XXXX, CA and was given a vehicle loan. On XX/XX/XXXX, there were papers to lien my payroll checks for a loan with Lobel Financial. 

I have never applied with my son to buy a vehicle. My credit has never been good enough to sign a loan with anyone. I currently have a 28 % interest loan due to my credit score. 

The used auto company used my information to provide a loan for my sons vehicle fraudulently. 

Throughout this loan and during collection proceedings I was never notified in any way. The documents have an address in XXXX, CA and I lived in XXXX, CA for over 10 years. My drivers license has been attached.
Product: Mortgage

I found out today XX/XX/XXXX that 5th 3rd Bank failed to properly release my mortgage that I had with them. The mortgage account number is XXXX. The mortgage was paid off in XXXX of XXXX. On XX/XX/XXXX the XXXX County Recorders office received an improperly filed mortgage release from 5th 3rd in which case they failed to file the prior reference, volume, and page number. The recorders office stated they sent the release back to 5th 3rd on XXXX. As of today 5th 3rd bank failed to properly release a mortgage that was rightfully paid off in XXXX of XXXX. When I called the 5th 3rd mortgage department they gave me a case number XXXX. They informed me that it would at least be 3 days before I heard anything from them. They also said this process could take 90 additional days to complete. THIS IS A MAJOR PROBLEM FOR ME. I cam in contract to sell my home and buy another one and I can't sell my home until this mortgage from 5th 3rd is released!!!! Please help CFPB!!!!! If this this mortgage isn't properly released soo I could loose the chance to sell my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian on more than one occasion to dispute the validity of the reporting of XXXX XXXX XXXX listed under my credit file. They continue to simply mark this reporting as verified. However, another bureau 's investigation revealed XXXX XXXX XXXX   is not reporting a valid debt as there is no signed and dated Notice of Assignment from the original creditor. I would like to know what Notice of Assignment Experian has seen that no one else has received? I took it a step further and sent Experian a second request for removal and attaching a copy of the deleted reporting from the other bureau and still the reporting remains. I have already filed against XXXX XXXX XXXX for this reporting violation. It is only fair that I file against Experian as well, since I have reached out multiple times in the last six months for them verify compliance and validation for this error reporting under my name. Since this is not a new issue, I am only waiting 15 days ( XXXX2018 ) before I file a complaint with my Georgia 's Attorney General Office against Experian for violating my rights as a consumer who has asked on numerous occasion that this reporting be properly verified. Others have found no validity, yet Experian continue to say is it verified.
Product: Credit reporting or other personal consumer reports

I have submitted my bank statement and proof from direct deposit company that I have paid as agreed but they kept saying that my payments were late. I then switched from XXXX XXXX to BSI for direct deposit and all of sudden my payments were on time although they are being cleared during the same time frame. Once I received my XXXX from BSI there was NO late fees indicated on there but they were charging for fees for having another company processing my direct deposit and yet still reporting that I paid 3 months late until I switched over ... I consider that extortion. They will NOT change the report even though they received the money.
Product: Debt collection

IQ Data International is reporting to XXXX, XXXX, and XXXX XXXX   that I have an outstanding balance with XXXX  Apts for {$2600.00}. I have spoken with the manager at XXXX apartments, XXXX XXXX- ph # XXXX, and she tells me that I resolved my balance with their community. I have explained this to IQ Data Systems, but they are telling me that they will not take this collection account off of my credit report unless I pay them {$2300.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been locked out of my credit report with Equifax because of fraud. Equifax refuses to work with me, they will not talk to me, or let me see my file. There is a fraudulent address on my report that I have been trying to get removed since XX/XX/XXXX. They have not removed it, and it has been updated as of XX/XX/XXXX. Equifax has locked me out of all communication with them because they say I can not identify myself. I am afraid my report is being changed and I can't get anyone to help me