23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I had previously sent small amounts of funds to friends in XXXX this past 30 days. I think four times.

Then about 10 days ago, i went to Western Union to do another wire transfer. Cancelled and I was blocked. Came back a couple of days still could not send funds international.

Tried XXXX this past week with same results. Tried XXXX XXXX this week could not send. 
Said I was blocked. 
DO not know who or why i would be blocked internationally. Not their authority to block sending funds to assist friends in a third world country. 
Have filed complaint with Western Union XXXX XXXX XXXX on XX/XX/2019. Sent requested additional info they requested on XX/XX/2019. Maximum I send is about {$500.00} USD.  Don't do this often. 

Filed complaint with XXXX XXXX on XX/XX/2019 under similar circumstances. Name was blocked trying to find out who or what government agency. 

I need your assistance. Who oversees International Wire Transfers in the US government. Is it CFPB?
Product: Checking or savings account

On XX/XX/2023 money was withdrawn from my checking account. Five transactions were made from an ATM machine in XXXXXXXX XXXX. Three for {$300.00}, one for {$280.00}, and one for {$100.00}. I filed a dispute and a few days later chime informed me that during their investigation they found no error so no funds would be credited to my account.
Product: Debt collection

My father, XXXX XXXX, is deceased as of XX/XX/21. His account with XXXX was current at the time of his death. I attempted to close his account and provided a copy of his death certificate, which XXXX indicated was not adequate proof. I verified numerous times with XXXX that his account was paid in full to which they agreed. Now they are attempting to collect for service after the time of his death and sending collection notices harassing my mother whose name appears nowhere on the account causing her unnecessary stress and XXXX. I would like for XXXX and XXXX XXXX to cease and desist all communications to XXXX XXXX XXXX, XXXX, MO XXXX as this is no longer the address of XXXX XXXX. I made every effort to resolve this matter to no avail.
Product: Credit card

I did not make XXXX charges and Capital one has ignored my requests to provide to me IN WRITING the ability to dispute the charges. I've demanded that these be removed from my credit report as I did NOT make these charges. I demand to see IN WRITING the proof that I, XXXX XXXX, made those charges to XXXX from an account in MY NAME. I demand this in writing as is my right under Federal Law. No phone calls or email, but a good old fashioned letter proving the above to me and allowing me my right to dispute the charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

All Consumers are affected negatively when generating credit scores when an installment loan is closed. The Credit Bureaus ( all of them ) drop the accounts time as active which affects the credit time frame. This shortens the average time frame accounts are opened thereby dropping consumers that have paid on time or paid off accounts scores by 10 - 20 pts depending on the age of other Open and Active Credit Accounts. This does not paint a true picture of the Consumer 's Credit Worthiness. Those accounts should not affect the consumer 's credit negatively. In fact once paid what should happen is the credit score should take in the time since opened and treat it as a -0- balance Pd. instead of providing a negative status for installment loan or mortgage that was closed due to payment. This action by all 3 credit bureaus in the scoring calculation in negatively affecting the consumers. This should be corrected immediately. All Consumers are being affected negatively and no one does anything about it. XXXX, XXXX, XXXX and the Creditors that report seem to want consumers to keep their debt and when they pay off they penalize the consumer by retracting /erasing the accounts open time frame so as to shorten their credit history. .This is a scam on behalf of the CRAs, and Creditors to negatively affect consumers for paying off their debt on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Merchants and Medical has placed XXXX medical billson my credit report and I have asked them several times for validation of these debts toshow that they have my permission to have my personal medical information which they sent me a detailed statement which is violating the Hippa Law
Product: Credit reporting or other personal consumer reports

I tried contacting both XXXX and transunion with no luck. As you will see in the attached documents, both bureaus are reporting inaccurate information regarding my payment history with my XXXX XXXX account. Some days they report, others they do not as you will see with XXXX, XXXX and XX/XX/year> reporting. All of which I was in good standing. 

. Inaccurate Reporting ( FCRA Section 605 ) The FCRA mandates that consumer credit reports must be accurate and up-to-date
Product: Mortgage

I have had a mortgage with XXXX XXXX  for several years. On XX/XX/2022 XXXX transferred my mortgage to Nationstar Mortgage LLC dba Mr. Cooper. I had to begin making my payments to Mr. Cooper beginning XX/XX/2022. I made my first payment XX/XX/2022. I made a second payment on XX/XX/2022. Mr. Cooper accepted both payments and automatically deducted another payment from my XXXX checking account on XX/XX/2022 without my approval. Mr. Cooper was not authorized to have my checking account information or deduct money from my account. I called XXXX and reversed the unauthorized payment. Mr. Cooper is charging me a {$10.00} fee for something. I assume for that reversed payment that they fraudulently deducted from my account. Each payment was {$930.00}. This was not a mistake. Mr. Cooper knew what they were doing and intentionally committed fraud. 

Mr. Cooper XXXX XXXX XXXX XXXX. 
XXXX, TX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, TX XXXX XXXX
Product: Debt collection

these multiple attempts to collect multiple debts from accounts posted on my credit file from AVANTE USA {$360.00} acct number XXXX {$51.00} acct number XXXX {$1500.00} acct number XXXX {$630.00} acct number XXXX have all been fraudulently reported on my credit file i do not own these debts and there has been no validation from either company i did not accure these debts NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
Product: Bank account or service

I believe I was charged excessive overdraft fees by Key Bank. I had a death in the family later last year and was really struggling. I slipped up a few times and did n't complain. The way they are applying the charges to my account created overages when their did n't need to be any. I am not asking for a full on refund but I have asked them for help. They have charged me a total of over {$500.00} last year and over {$600.00} already on charges that were most often put into the negative by how they chose to apply them
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I have requested Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 

According to 15 USC 1681i ( 5 ) they are suppose to modify accounts if it isn't reporting correctly. And 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. 

And they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case.
Product: Credit reporting or other personal consumer reports

CITI CARDS/CITBANK is in direct violation of theThe Privacy act of 1974 and following Uniform Commercial Codes : 15 U.S. Code 6801 - Protection of nonpublic personal information U.S. Code Notes prev | next ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on BANK OF AMERICA. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

( XXXX XXXX XXXX XXXX )
Product: Credit reporting or other personal consumer reports

XXXX  ACCOUNT : XXXXXXXX XXXX XXXX XXXXXXXX I FOUND LATE PAYMENTS ON MY CREDIT REPORT BUT ACCORING TO LAW I AM THE CONSUMER. THIS IS ILLEGAL AN IN DIRECT VIOLATION OF 15SC161 ( 2 ) ( I ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Debt collection

Trueaccord corporations claims I have an account of some type opened on XX/XX/2024 for {$210.00} That is absolutely false and i do not know what this debt exactly is.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received a text message stating that my mortgage payment for XXXX had been returned. I concurrently received a notification from my credit monitoring services that I was assessed a 30-day late mortgage payment. In response, I called and sent proof to Carrington Mortgage of that claims fallacy. I paid my XXXX mortgage on XX/XX/XXXX. At no point between XX/XX/XXXX and XX/XX/XXXX was my account insufficient for the debit of my mortgage. Additionally, there were no NSF fees or notice of a returned payment. Further, I called Carrington Mortgage on XX/XX/XXXX at XXXX Central to tell the customer service representative that my payment was made on XX/XX/XXXX, but it hadnt been withdrawn. I asked her if she saw anything in her system that indicated an error. She said no. It was an 18-minute call. Similarly, I called on XX/XX/XXXX after receiving a text message falsely stating my payment had been returned. The customer service representative told me she saw that it had been returned, but that there was no explanation as to why. She said that payments are returned for 2 reasons and insufficient funds is one of the reasons, but she didnt state the other reason. It was a 12 minute call. I called XXXX on XX/XX/XXXX and, upon their research, they confirmed that no such attempt at an ACH was initiated and no fees associated to the {$2800.00} payment was found. I want an instant removal of the 30-day late credit reporting and a reversal of any fees associated to the returned payment claim. Ive attached bank records showing daily balances between XX/XX/XXXX and XX/XX/XXXX, as well as proof that there were no NSF fees in XXXX, and that the 2 NSF fees ever assessed were in XXXX for non-Carrington Mortgage transactions. 

I filed a complaint with the XXXX  and Carrington responded by further affirming that the payment had been returned. They did not attach proof of a returned payment and, instead, shared materials that they asserted they sent me to assist those who were having mortgage payment issues. I've sent the required information showing Carrington 's error and want this resolved immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to dispute a credit report error to XXXX, XXXX, and TransUnion for months without any success. 


I am writing to you regarding the late derogatory mark on my credit report for an error that could have been avoided and that is impacting my life. A late payment was removed from my XX/XX/2018 credit report ( XXXX XXXX ) with all three credit reporting bureaus. 
I switched banks in XX/XX/XXXXwhich an auto draft was taking payments out of. When it occurred to me that the payments were going late I contacted card services and requested a new card. The card was sent to a very old address that was never updated in your system. I called immediately that day once I found out XXXX was attempting to deliver an overnight envelope to my old address but your office would not allow it to be re-routed or held at a XXXX location. I had to wait another 30 days for it to be sent United States Postal Service ( Slowest way to send it ) which is not guaranteed. There is no telling when it arrived. 
When I received my card I made a payment which got rejected for some reason and made the late payment worse. I was able to make the payment and get back on track. As you can see, I have been making larger payments to cover my balance. 
This is the 5th time I have called and now I am having to write to have this removed. The late payment is inaccurate and needs to be removed from my credit score.  You already removed one month out of the two so why was the 2nd one not  removed?
Product: Mortgage

Wells Fargo continues to ignore my question. The last complaint I opened for this same reason was answered with " we've updated your phone number ''. I've called CFPB and informed them Wells Fargo is unwilling to cooperate with me during this process and they've taken notice. They have informed me to continue submitting as many complaints as it takes to get the answers I need. 

So, here we go again. 

Parameters and rules surrounding a mortgage recast are not publicized ANYWHERE. 
I've been asking for this information for years ... in writing through these complaints and over the phone in various depts. Sadly, a little bit extra information seeps out with each additional CFPB complaint. 

I NEED ALL PARAMETERS AND RULES SURROUNDING A RECAST PUT IN WRITING. 

Put it in writing to lock in the features/rules/durations ( ALL GUIDELINES ) so that Wells Fargo does not try to change course when I'm ready to recast. 

Wells Fargo treats recasts VERY DIFFERENTLY from most banks - and DOES NOT PUBLICIZE THIS information. You have a minimum amount XXXX TIMES ABOVE most banks. People in your mortgage department I spoke to today XXXX refused to put the rules in writing for me. 

Complaints will continue. 
It took your bank 60 days to respond to the last similar complaint with " we've updated your phone number ''. Seriously. Looking forward to the half-baked reply to this XXXX.
Product: Payday loan, title loan, or personal loan

I opened a business line of credit using my personal information interest only payments monthly. XX/XX/XXXX it was approved for XXXX for working capital XX/XX/XXXX The small business VP ( XXXX XXXX ) that opened the line of credit contacted me and said line coming up for renewal and I needed to handle a few credit concerns. 
I explained to her those concerns were there when the loan was opened and if they now wanted me to address them could they supply me with more information on who to contact to even see if they are valid. 
She requested I send what I have to her of which I did. 


XX/XX/XXXX I get a phone call from TD bank telling me they are terming out my line of credit for delinquent credit, I informed the person I was already dealing with VP of small business and nothing has been delinquent with my 8 year history with TD bank. I receive a phone call back from the VP of small business said the phone call was an error and my information was sent to the underwriters and she would let me know when she heard back how we move forward. 


XX/XX/XXXX I sent email to VP of small Business asking what the outcome was or what is happening with the underwriters in regards to my line of credit. 


XX/XX/XXXX I sent email to VP of small Business asking again about out come as no response from previous email XX/XX/XXXX My son contacts me says TD bank came to my home and the man told him to tell me to contact TD cause he is an appraiser. I send VP of small business and email of this situation. I then receive a phone call from an outsourced lender ( XXXX XXXX ) that informed me TD was no longer handling my loan as I refused to come in and term out the loan. I explained this is absolutely not true he said he would discuss account with his boss and TD and contact me back. 


XX/XX/XXXX I never heard back from him or TD so I sent Another email to VP of small business that I would be contacting CFPB if they would not explain to me what is going on and why no one is willing to meet with me face to face like all my transactions concerning loans or line of credits for the past 8 years. 


XX/XX/XXXX I receive a letter in the mail saying now that they are doing a term loan for remaining balance of XXXX and they are addressing my email XX/XX/XXXX and Now the letter says the man that called me is assistant VP of the bank. 


I have never in my 30 year history of dealing with banks and credit unions felt so confused and misguided only to write in and the confusion continues. I am being lied to and I have no idea why this is necessary.
Product: Checking or savings account

Capital One Bank account # Reference : Capital One 360 CD account ( cancelled 6-27-19 ) # XXXX. 

I just called Capital One Bank 360 customer rep againXX/XX/2719 and not happy with their answer and decision. They advised me to cancel the CD account without giving me the accrued daily interest because I told them that the interest CD rate they gave me to renew the one year CD account did not match what they offered me 4 weeks ago when their office sent out email inviting me to renew the CD at 2.7 % ; I found out they actually gave me 2.3 % on XX/XX/19. 

I questioned their office why they emailed me 4 weeks before the mature day and offered me 2.7 % rate if I signed up the auto-renewal 4 weeks ago for another year. They did not give me the satisfied answer. 

The customer rep said " per their bank policy, I can cancel the CD today upon my call but the past few days would not receive daily interest. "
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX Balance : {$1300.00} XXXX XXXX Balance : {$3700.00}
Product: Student loan

I have 2 loans with Navient. One large and one small. I have called several times to discuss payment plans. It is only a temporary fix and payment is not affordable. Navient is the worst to work with. My loans started off at {$9000.00} and now up to {$30000.00}. I feel like my life is ruined due to these sharks who just want your money and do not feel the pain that I go through in life. I keep getting mail, calls, and emails from them. They keep saying they have options, I call and nothing changes with the options presented to me. I was told that if I do not make a payment that my account will go to collections due to none payment. My issue is that I have 2 loans with them. One of them is only about a month behind in the payment and I went online to make a payment today and they locked me out of getting access to my account. The large one is several months behind in the payment which I can understand. Why would they take away access to the smaller loan which i planned on paying on. I will not pay any collection agency. I still want to work with Navient but they seem to not have any options for me. I know several people with Navient loans and most of them are in default due to no options for private loans.
Product: Mortgage

PHH Mortgage Services is demanding escrow payments far in excess of what is required to cover costs and offering no interest for excessive balances. They are, in fact, extorting interest-free loans from their consumers and have no justification for the charges. 
This past month, PPH Mortgage Services raised my monthly mortgage payment {$110.00} and provided false justification for this charge. I was told that insurance and taxes had increased and that there was a shortage in my escrow account that would need to be repaid over several months ( see pages 1 -2 ).

This is false. My monthly statements have never shown such a shortage ( see pages 3-4 ). In fact, I received a refund last year. They fraudulently write on one docum
ent the shortage is {$740.00} ( see page 1 ), and then they tell me it was {$400.00} over the phone. The repayment amount of {$62.00} is also random ( see page 1 ).

Indeed, there has been an increase in insurance and taxes this year ; however, it is less than half of what they are demanding.

PPH also randomly assigns minimum required escrow balances. For XXXX it is {$610.00} on one document ( see page XXXX, right column ) and {$920.00} on another ( see page XXXX ). For XXXX, they have a required minimum balance of {$770.00} on one document ( see page 6 ) and {$510.00} on another ( see page 7 ). Meanwhile, my monthly expenses are between {$410.00} and {$460.00} per month and balances sit far closer to {$2000.00} for many months of the year. 
Additionally, XXXX XXXX  themselves sent me a letter indicating that I hold {$59000.00} in equity on my {$210000.00} mortgage ( see page XXXX ). Yet they continue to charge PMI each month.