23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Washington Federal is continuously ignoring my request to remove lien for XXXX for a Deed of trust that violated RCW. 61.24.020 and many others. 
RCW 61.24.020 Deeds subject to all mortgage laws -- Foreclosure -- Recording and indexing -- Trustee and beneficiary, separate entities, exception.RCW 61.24.010Trustee, qualifications -- Successor trustee.You control the debt, you control everything. ( 3 ) The trustee or successor trustee shall have no fiduciary duty or fiduciary obligation to the grantor or other persons having an interest in the property subject to the deed of trust. Under RCW 61.24.020 and 010 The Deed of Trust between myself XXXX and Washington Federal for loan number # XXXX is void. Washington Services Inc Listed as the Trustee on the Deed of Trust signed for this loan has violated the RCWs. I have attempted to contact Washington Federal with repeated attempts to correct this issue and all others and no resolution has been made. Washington Federal CFO XXXX and other representative have maid no attempts to correct the issues. They are reporting my loan as late and and will not issue a deed of reconveyance to the XXXX County auditors office. The last I heard they put my loan in abeyance. They have not threatened foreclosure again but are constantly reporting my credit late. I asked for my original promissory note and it was not delivered. I have requested that the account be settled and no resolution has been attempted. It is not legal for this institution to be the beneficiary and the trustee of my deed. I would like for them to release the lien for the property and to close the account as it is void because it is illegal.
Product: Bank account or service

Bank of America reported me to XXXX for fraud when I did not commit fraud. I told them I would pay fees I accumulated. But I told them I would n't pay for a bounce check wrote by client. that I deposited and recived no money from. And I asked them to remove the fraud from my name on XXXX. It is unfair to report me for fraud if I have not committed. I had been a long time client with them.
Product: Checking or savings account

XX/XX/XXXX for the amount of {$2700.00} not being credited back to my account as a provisional credit by XX/XX/XXXX. I have got an email stating that and when the time came it wasn't in my account. Chime has been giving me problems with this provisional credit. I have been dealing with them since XX/XX/XXXX and still nothing is getting done. Every time it comes near the date for provisional credit, they don't offer it and act like they don't see the email that was sent to me. Every time I call them, they have me on hold for more than XXXX mins, they hang up on me, they keep stating they will expedite an email to the department who is handling my claim. Then when I get an email from them, they still disregard my concern and don't acknowledge my concern for the provisional credit. I was on the phone with them throughout the day on XX/XX/XXXX and every other day since I started this claim. No one can not help me, and they keep giving me the run around.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has an account charged off on my creit report showing that I owe {$440.00} updated to {$0.00}. As I lve stated before I did not open this account and I filed a police report. XXXX XXXX and Experian then sent me a document with a signature that is not mine! It is forged and fraudulent and I will not keep suffering from this Identity theft result! I need the company to show a video of me signing but upon me reading the verified letters the card was opened electronically. Ive never opened a card with this company EVER yet Experian is the only bureaus who would not take my police report serious If it was mine it would be paid!
Product: Debt collection

A checking account was opened in my name during XXXXXXXX XXXX XXXX in the state of Colorado at XXXX XXXX XXXX. I did not open this account and was done in person using a false ID. After opening this account this individual used the account and overdrafted into a negative balance. On Saturday XX/XX/2023 I received a notice in my XXXX report that indicated a new collections account regarding this fraudulent acccount gone defunct into a negative balance. The collections notice is for {$320.00}. I check my credit score frequently and was thrown back by this update in events. I have contacted XXXX, XXXX, XXXX XXXX XXXX, as well as the collections company ( Financial Assistance Inc. ) in charge of collections account. Financial Assistance Inc told me to open a dispute through the XXXX website to further this dispute and give the collections agency the authority and information to close and finalize removing the collections from my credit score.
Product: Prepaid card

Rushcard is not giving me access to my funds. And my account is showing a negative balance. It 's been weeks. Customer service has hung up on me numerous times after I was on hold for over an hr each time I 've called. I finally got through and was told they had no idea when I would get my money. I 've filed email complaints and received XXXX different " ticket numbers '' and have n't gotten a respond in over a week. Basically I 'm not getting any answers.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX  XXXX XXXX XXXXXXXX XXXX  XXXX Account # : XXXX XXXX  XXXX XXXX XXXX XXXX  Account # : XXXX XXXXXXXX Account # XXXX XXXX XXXX  Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Debt collection

CMRE  continuously sends bills that have not been updated to represent the current balance. Even upon logging into the website to verify the payment has n't been crossed in the mail, the real time website has not been updated.     When I called they said that it was updated and that my payment had posted, but I have a dated print out proving that it was n't. This makes it impossible for me to pay my bills because the account is n't updated.     They are also trying to collect interest on a debt that the original medical facility was not collecting interest upon. I have verification of this FACT. I also have a call out to their attorney representative to confirm their policies and verify no interest bearing contract was ever into by me.     I have wasted so much time trying to straighten out this CMRE 's lack of attention to detail regarding their billing. I have VERY DETAILED notes and ledgers.     All I 'm asking if for them to keep their end of the deal, and update their payment records correctly and regularly WITHOUT FRAUDULENT interest included, and send CORRECT bills.
Product: Checking or savings account

Im formally filing a complaint against Bank of America for FINANCIAL CRIMINAL THEFT!. This institution allowed scammers to open a fraudulent account in my name and my business name. The scammers in XXXX stole my check and deposited into a BOA account and withdrew {$43000.00} from a check that belonged to me in the amount of XXXX BOA, risk closure dept, suspected fraud and closed the said account 3 days after the scammers got $ XXXX out. On XX/XX/2023 my parent bank XXXX XXXX, requested the stolen funds be returned back to them. Instead, BOA sends the remaining $ XXXX to THE SCAMMERS ADDRESS IN A CASHIER CHECK ON XX/XX/XXXX, that they also cashed, grossly ignoring XXXX request of a return. I filed a ID FRAUD claim on XX/XX/2023 that BOA approved on XX/XX/2023 that I did not open that account and Im not responsible for the deposit or withdrawals from the account. Then in XXXX BOA, denied XXXX XXXX XXXX claim to return the funds, stating CHASE failed to properly identify the scammers whom they mailed the check to. As if BOA, themselves didnt properly identify the scammers when they allowed the account to be opened in XXXX and sent them $ XXXX after they closed the account and ignored XXXX request to return the funds. Theyre admitting it was my stolen money but its not THEYRE FAULT THEY GAVE IT TO THE SCAMMERS.. Mam/Sir, THIS IS THEFT.. They ASSISTED THE SCAMMERS, both directly and indirectly..Its inexcusable that the appointed analysts assigned to this claim has the audacity to defend BOA handling of my stolen money. BOA, admits to me that Im a victim of identity theft based upon their research and policies BUT, dont believe theyre responsible is pure hideous and outright theft. XXXX has sent over 3 separate requests for reconsiderations that the analysis refuses to respond too. My analysis needs to be properly retrained, charged with a crime and or reprimanded appropriately. BOA supervisor XXXX @ XXXX XX/XX/2023 during a recorded call admitted to me that his company BANK OF AMERICA IS IN FACT RESPONSIBLE, please review that call. Its just outrageous that Im fighting to get my money back for nine months while BOA, gave it away to scammers TWICE! 


Mam/Sir My Desired settlement : An immediate full refund of my money ( {$89000.00} ) and the necessary discipline for the aforementioned employees. 

PLEASE WILL YOU HELP ME GET MY MONEY BACK IM LITERALLY BEGGING YOU
Product: Checking or savings account

I called all the number they dont give information so I dont know what to say I deposit two check that they are going to give back they dont even investigate and dont help me at all
Product: Credit card or prepaid card

Made a {$1200.00} payment out of an account Ive used before on XX/XX/XXXX and was told the next day that my payment posted but was on a 7 day hold. Called my bank with Capital One on the phone and verified the payment came out of my account. Was told they wouldnt clear the payment regardless. Called back on XX/XX/XXXX and was given the run around for an hour until my bank was closed. Called again on XX/XX/XXXX and was told the funds wouldnt be available until XX/XX/XXXX even though I explained that my truck was in the shop and I needed to pay to get it out so I could have a vehicle. I will have no vehicle for two weeks because capital one felt like holding my funds for absolutely no reason. When this happened before because I used a new account they called the bank and pushed the payment through. This time they are completely unwilling to do anything to help me even though they know the payment has cleared. There was nothing they could do was the last response I heard from capital one and when I asked for a reason for the hold on the payment I was told he couldnt tell me the reason. I will be canceling both of my capital one cards after over two years because of this.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX Date of inquiry XX/XX/XXXXXXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX Date of inquiry XX/XX/XXXX, XXXX Date of inquiry XX/XX/XXXX, XXXX Date of inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXXXXXX XXXX  Date of inquiry XX/XX/XXXX, XXXX XXXX  Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX UNI Date of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights.

In Accordance with the Fair Credit Reporting act, US DEPT. OF EDUCATIONXXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. STATES I have a right to privacy.15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received a notice from XXXX stating that an collection account on my credit report has showed updated. In the update it states that I put in a dispute of the account. I never submitted an dispute with the credit bureaus because this collection company violated my rights as a consumer by not submitted written documentation to me stating that they were placing a collection account on my credit bureau, that being said they never gave me the opportunity to send the collection company a letter of validity. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights. 
15 USC 1681 section 602A states I have the right to privacy. ( violated ) 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

Not only did they violate my rights but several inaccuracies are report in each bureau. In XXXX the Collection is stating that is is open. In Equifax the collection states closed. In XXXX it states open with a different date of opening. The Fair Credit Reporting Act also states that anything report on a consumer credit bureau must be 100 % accurate and this is not.
Product: Checking or savings account

I am the victim of Credit/ID theft for the better part of the last 3 years. There are security freezes and fraud alerts at all credit agencies for going on a year now. XXXX XXXX XXXX after opening the account sent letters in reference to an alias name and TIN identification combination not being correct and enclosed a substitute W-9 form to fill out for Check systems. The letter also included an ultimatum that if I did not supply the information within 30 days my accounts and all accounts using the alias would be assessed 24 % back up withholding taxes. I live on a survivor pension. It is my only source of income. Plus, XXXX XXXX. XXXX sent letters similar to US Bank about my name and number. The IRS and the SSD have had my legal valid name since XXXX. I could not understand where the alias came from. US Bank issued several products with the alias. The debit card was manipulated to deduct XXXX $ hidden fees causing an overdraft. Credit card payments being paid from the posting balance and not payment date into a hold causing overdrafts. Wrong name on checks costing XXXX $ no refund. Checks never used. Ordered new debit which arrived with the alias. I filed a complaint with the BBB asking them to advise this bank at XXXX XXXX XXXX to cease communications and close the account after I attempted several times to cure a XXXX negative balance caused by US Bank just to end the situation and move on. I sent a check on XX/XX/XXXX it remained uncashed and not credited to my account for XXXX weeks. A constant stream of bank negatives created by US Bank to severely abuse me as a direct deposit pension account. I continued to receive letters via USPS stating no communication is not going to stop the debt from being pursued and I will continue to receive statements with updated bad debt. information to be reported to prevent eligibility for banks products in the future at other banks. XXXX XXXX did the same thing. Created a fake debt. Refused to close the account which remained open and inactive for 2 years collecting fees and being reported constantly to credit bureaus with inaccurate information. XXXX created a duplicate account doubling all inaccurate fee charges and account transactions. Several attempts at phone interviews with bankers ' unsuccessful resolution or ignored completely. I have been battling banks with my sole source of income being used against me as a weapon and being domestically terrorized to the point of collapse. I want this US bank to leave me alone. I am ready with evidence to pursue in superior. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, received letter stating if full amount ( three months late ) wasnt due, they would report it to credit. Paid on XX/XX/XXXX, in full to make account current. Reporting turned in on XX/XX/XXXX. 

They blackmail people regularly, when I was overdue by one day an employee lied and said I would now have to be on auto payment, I signed up for the auto payment, and then it wasnt going through and I was only notified through the XXXX student loans website, no email until the threatening letter. Then once I followed through with the threat, they did it anyway.
Product: Debt collection

Today on a recorded call with Experian, I informed them that XXXX XXXX  and XXXX XXXX  had placed a fraudulent debt on my credit report. I have repeatedly attempted to contact XXXX XXXX and XXXX Collections to ask them to provide proof of this debt to no avail. XXXX and XXXX XXXX have also been providing this fraudulent debt. Ive spoken with a representative today from XXXX XXXX who stated that the information the have on their system is from Experian. Experian is providing fraudulent credit information to others. I do not owe XXXX XXXX  or XXXX XXXX  any money. I was informed, during my call with Experians customer service representative, XXXX, that a company called, XXXX XXXX also has placed a fraudulent debt on my credit report. Ive asked Experian/XXXX to remove all of this fraudulent information. She informed me that I am to provide a complaint with the FTC. When I went to the FTC ( Federal Trade Commission ) website, I was redirected to CFPB website to file the complaint. I want this fraudulent information removed immediately AND I want Experian to contact Resident Verify and authorize them to remove the fraudulent information they have placed in their system as well. The reference number for XXXX XXXX is Ref # XXXX. XXXX owns XXXX XXXX. I want this fraudulent information removed from XXXX too. Experian should not be allowed to put fraudulent information on anyones credit report without verifying that the debt is valid. They are ruining peoples lives and should be held accountable in a court of law. This is slanderous and libelous. Today XXXX from Experian also provided this information : XXXX XXXX XXXX Partial Acct number XXXX - {$18000.00} XXXX XXXX XXXX Partial Acct number XXXX - {$20000.00} This is fraudulent and must be removed immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I refinanced my mortgage with XXXX XXXX XXXX XXXX  back in XXXX. The servicer of my loan is LoanCare. I just received a letter from the property assessor that LoanCare has not used my escrow money to pay my property tax, and the property tax is delinquent. I have tried for over 4 hours today to reach someone on the phone from LoanCare and all I get is the automated run around with no option for human contact. 

I'm now forced to simply pay the property assessor myself as LoanCare has completely failed to do so. Judging by LoanCare 's reputation online this is an unfortunately common occurrence. This seems to be their practice to hoard escrow payments, and then refuse to answer any messages. 

LoanCare through the myriad complaints I've read is a borderline scam, and potentially just horribly mismanaged. I don't know why the CFPB hasn't shut them down yet.
Product: Mortgage

XX/XX/ we requested a COVID forbearance due to loss of wages during COVID. We sent all proof and we were accepted into the program. Before we accepted, I asked several times if we had to pay this back immediately after the forbearance expired and I was told no, we could add that on to the tail of our mortgage and continue making monthly payments. Now they are insisting on either payment in full of XXXX or XXXX per month for the remaining balance. We couldn't pay the XXXX originally and our situation is not much better so we now have to try to make this work. Now although our first PaymenXXXX isn't due until XX/XX/XXXX we are being threatened with foreclosure letters, debt collection calls daily etc... If we knew that this was going to ruin our lives worse than COVID, we never would have proceeded with the forbearance.