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

My minor son was robbed at gun point and was forced to make ATM and XXXX transactions for {$4400.00} against his will on XX/XX/2019. I contact the police and provided evidence proving he was robbed. Bank of America and XXXX XXXX XXXX responded to him and I saying we were responsible for fraud and closed the account. I reached out to the Bank of America and XXXX XXXX XXXX again on XXXX XXXX, asking them to reopen the case for review, and as of this date we have not received a response from Bank of America. This incident has affected me. I am a victim not a criminal. As of this date, I still have an active account with Bank of America with all access. However, Bank of America have notified other banks not to bank with me. I have been with this Bank of America for at least 10 years and is currently using this bank now.
Product: Debt collection

On or about XXXX XX/XX/XXXX I called jefferson capital at XXXX XXXX XXXX. I was asked for the reference # XXXX. I asked why they had sent me a collection letter plus increased the number of years owed to 14 years. The original debt owed allegedly ended in XXXX but I was told I was sent a reduced amount settlement. There employee stated that I agreed to pay the lesser amount and that I paid {$20.00} towards The debt. They said because of that they increased my payment end date to XXXX. I told them that I never agreed to anything with them and they have committed what I suspect is criminal fraud. I asked there employee that I'm was protesting there claim and I would like all documentation to include the court order. By the way i have never seen a court order saying I owed these people anything. 
Please advise.
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 Co XXXXXXXX XXXX XXXX XXXXXXXX, 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 an 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.
Product: Credit card

institution, which I believe to be in violation of 12 CFR Part 1002 Regulation B, Title 15 U.S. Code 1602 ( p ), Title 15 U.S. Code 1644 ( f ), and Title 15 U.S. Code 1611.

The adverse action in question pertains to the denial of my recent application for a XXXX XXXX XXXX. ref # XXXX On XX/XX/2023, I received a written notice from your institution, indicating that my application for a for XXXX XXXX XXXX. ref # XXXX has been denied. The specific reason ( s ) as to why I was denied is irrelevant because I have the right to credit and withholding my securities is securities fraud! Your institution is in clear violation of the Equal Credit Opportunity Act and Consumer Credit Protection Act!

In light of the above violations, I kindly demand, Since I have been denied access to my own credit, that you please retract my application!

Please acknowledge receipt of this dispute letter within 10 business days and inform me of the actions taken to address my concerns. Should you require any additional information from me to facilitate this process, please do not hesitate to contact me. 





XXXX XXXX XXXX
Product: Checking or savings account

On or around XX/XX/2022, Chime bank allowed another account to link up to my account and it stole {$600.00}. Chime refuses to even tell me why my claim is denied! I have never received anything in writing from them telling me anything. I had berm in my account some XXXX minutes earlier and set up a transfer to my other account that was linked at XXXX bank XXXX That should have flagged my funds, right? No they let someone access my account XXXX link a whole account to mine and empty my account out. I was home very sick at this time, had my phone off. As soon as I realized it, I called them freaking out but calmly told them everything. I have also escalated this. Still nothing, no response and no money returned. They have received requests from out of state from me got grocery stores and make up places. I disabled my card but they refuse to give me my money back. I do not know who stole my money! I thought they were supposed to protect my money! They even refused to give me a new checking account number although they know this has been compromised.
Product: Mortgage

The issue is as follows : Wells Fargo arbitrarily increased my escrow amount by {$220.00} per month starting in XX/XX/XXXX. There was no reason or justification for the increase monthly amount. My escrow balance stood at {$16000.00} as per my XX/XX/XXXX statement. When I applied for my mortgage with Wells Fargo I was told in order to obtain the rate quoted I need to set up a Wells Fargo Checking account to which I agreed. I bank with XXXX and set up an automatic transfer each month to my Wells Fargo ( WF ) checking account and Wells Fargo set up an automatic transfer from my WF checking account to my WF Mortgage account. This has been in effect since the mortgage started in XX/XX/XXXX. I made repeated calls to WF asking why my escrow was increasing and not once received any justification. I know my insurance has gone down by {$100.00} per annum and my taxes remain unchanged. In XX/XX/XXXX WF stopped the automatic transfer from my WF checking account to my WF mortgage account. There was no communication and no justification to stop the transfer. My automatic payments from XXXX to my WF checking account continued. The funds in my WF checking account continued to accrue. At this time WF advised I was in default of my mortgage. I protested and advised they created the problem so they should fix. Numerous telephone calls ensued and no one from WF was ever empowered to fix the problem. They maintained throughout that my monthly payment had increased. No funds were transferred from my WF Checking account to my WF mortgage account after XX/XX/XXXX. WF paid my insurance in XX/XX/XXXX and paid my City taxes in XX/XX/XXXX. After which the balance of my escrow was a positive balance of {$520.00} despite no further funds having been received since XX/XX/XXXX. In mid XXXX on a sunday afternoon, my wife and I were served foreclosure notices. At this time I called Wells Fargo up and agreed to pay the necessary funds to make my mortgage account current. WF acknowledged that there were sufficient funds in my escrow to pay the ins and taxes and there was no reason for the increased monthly escrow. In order to make my mortgage current I have to wire the funds from my WF checking account to another WF account. WF was unable to transfer the funds sitting in my account. As a result of the situation brought on by WF I have incurred a bad credit rating and late charges/foreclosure fees which are not justified. I believe WF have at best been negligent in the handling of my mortgage account and perhaps fraudulent in their attempt to extract additional funds from me without any justification that enables them to sit on my excess funds without paying me any interest etc. The bully tactics of pushing me into foreclosure and the negative ramifications are something I am unable to fight as a consumer. WF was never able to address my concerns and have never made themselves available to address the situation.
Product: Mortgage

Mortgage company : Mr. Cooper I am currently under a forbearance plan with Mr. Cooper. My forbearance ends on XX/XX/year>. However, I was asked to pursue a payment arrangement with the company on the first week of XXXX, and not to get too close to XX/XX/XXXX date. 

Per their instructions, I called Mr. Cooper on the XXXX XXXX and the Mortgage Loss Mitigation Team submitted a request for payment consideration such as possible pay deferment or loan modification. 

They are not being honest regarding their communications via electronic or postal mail. They are telling lies over lies and not helping me get over this payment arrangement. 
It appears that they are deliberately procrastinating to pull me towards the end of XXXX and default me on foreclosure. 

Their communications do not match what they say over phone. 

I am surprised if mortgage servicers take advantage of forbearance and try to possess the home. 

I have a lot of concern regarding their practices and policies, and I think I have been cheated without reason. Who should I take this problem. I just came out this forbearance and they are playing around with my situation. 

I want CFPB to take action on this mortgage provider and alert all consumers about their cheat ethics.
Product: Payday loan, title loan, personal loan, or advance loan

I presently have a line of credit with the company and expected to pay principle and interest payments to pay off loan and there is an additional fee called customary fee. This fee is much bigger than principle and they take this along with the interest and much less is paying off towards principle. Ive had this loan since XXXX XXXX of 2023, and have barely paid it down. You get locked in and it doesnt seem to be going down in principle. The I initial loan amount was {$1500.00} and I pay average of {$470.00} a month and once paid it only takes about XXXX XXXX {$60.00} in principle.
Product: Credit reporting or other personal consumer reports

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXXXXXX XXXX XXXXXXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Product: Debt collection

West Asset Management continues to harass me looking for payment on a debt from XXXX of 2014. XXXX XXXX is using their services. 

My insurance company, XXXX XXXX XXXX - has attempted to contact West asset and XXXX directly a number of times, and I actually got a rep from XXXX on the phone with a rep from West Asset management last month - I was told I could not listen to that conversation - to sort this out. 

I got another call today from West Asset requesting the same payment. I have confirmed with XXXX that I do not owe this amount and are happy to pay.
Product: Credit card

Capitol Accounts I have XXXX accounts with Capitol One that list me as an authorized user. I would like to remove myself as an authorized user from both accounts because the primary has carried a balance on the cards and did not finish paying for them before closing the account. The issue is that I do not know who the primaries are for the account. Capitol One stated that the primaries would have to remove me and that I can not remove myself ; however, they were not helpful in providing me this information either. I still do not know who the primaries are or what steps can be taken to remove from these accounts.
Product: Credit card or prepaid card

concerning complaint # XXXX filed with the CFPB on XX/XX/XXXX. 

Thank you for the response filed on XX/XX/XXXX, and the reply on XX/XX/XXXX. 
XXXXXXXX XXXX has replied to me that there was a cash retract at the ATM at the time of my withdrawal for XXXX dollars plus XXXX dollar ATM fee. 
XXXXXXXX XXXX has told me ( in a letter ) from their Executive Office ( Mail Code XXXX ) XXXX XXXX  XXXX XXXX, OH XXXX ; to contact my financial institution which is XXXX XXXX Debit Card. XXXX XXXX deposit my Social Security payments to the card each month. 
I have contacted XXXX XXXX FOUR times now, 3 times by fax and one time through the U. S. Mail. Each time I called after sending the further proof sent to me from XXXX XXXX, but XXXX XXXX insist that they have received nothing from me. 
The XXXX XXXX ID, or Complaint number dated XX/XX/XXXX is XXXX My letter from XXXXXX/XX/XXXX is from XXXX XXXX Phone XXXX RE Executive Office Case ID is XXXX
Product: Money transfer, virtual currency, or money service

I added cash to my Coinbase account via ACH transfer on XX/XX/XXXX and the funds are still not available. The original release date was XX/XX/XXXX which is unreasonable to start with. Then, I received a message on XXXX XXXX that there was " Suspicious Activity '' on my account so it was XXXX. I noticed no such activity on the account and when I reached out for further explanation, I was basically told to be patient. I feel I have been very patient. They have had ample time to complete whatever investigation was needed and I have heard from no one. I feel I am being treated unfairly - having been denied access to my own money for nearly 2 weeks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm " XXXX XXXX XXXX, '' and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few items that require deletion. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) requires the 3 credit bureaus to confirm these items ( 1 ). ( A ). I'm confident the contested records are settled : XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX , TX XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX Potentially negative Date openedXX/XX/XXXX Balance- StatusPaid, Closed.

U.S. DEPARTMENT OF EDUCATION Potentially negative Date openedXX/XX/XXXX Balance- StatusPaid, Closed.

U.S. DEPARTMENT OF EDUCATION Potentially negative Date openedXX/XX/XXXX Balance- StatusPaid, Closed.

U.S. DEPARTMENT OF EDUCATION Potentially negative Date openedXX/XX/XXXX Balance- StatusPaid, Closed.

U.S. DEPARTMENT OF EDUCATION Potentially negative Date openedXX/XX/XXXX Balance- StatusPaid, Closed.

U.S. DEPARTMENT OF EDUCATION Potentially negative Date openedXX/XX/XXXX Balance- StatusPaid, Closed.

U.S. DEPARTMENT OF EDUCATION Potentially negative Date openedXX/XX/XXXX Balance- StatusPaid, Closed.

U.S. DEPARTMENT OF EDUCATION Potentially negative Date openedXX/XX/XXXX Balance- StatusPaid, Closed.

XXXX Potentially negative Date openedXX/XX/XXXX Balance {$350.00} XXXX account. {$350.00} past due as of XX/XX/XXXX. 


XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX , TX XXXX
Product: Money transfer, virtual currency, or money service

I made a deposit at a Navy Federal ATM, the lesser amount was returned, I was then give this receipt, from their " Navy Federal ATM '' machine. 
I filed a claim. My claim was denied! 
. Now I have a receipt from Navy Federal ATM that is undisputable and witness of, and video surveillance from a major store of this incident happened in. 
How can my claim be denied? 
Come to find out upon speaking with a supervisor at Navy Federal. I  was notified that the Navy Federal ATM 's are not owned and operated by Navy Federal The agency that owns and operates the Navy Federal ATM 's, make their own reports of the activity of the ATM 's This allows them to have the ability to make false statements about money deposits though their ATM 's. 
The agency reported no overages of money deposited within the ATM. 
Sounds Strange when I have a receipt from the their machine that I deposited money and clearly states that my money was not returned by this machine now they can't find my money!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX XXXX XXXX  XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX - CARD SERVICE XXXX XXXXXXXX XXXX  DEPT OF ED/XXXX  XXXX  XXXX XXXX   XXXX XXXX, TX XXXX XXXX XXXX : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX - CARD SERVICE XXXX XXXX XXXX  DEPT OF ED/XXXX  Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX - CARD SERVICE XXXX XXXX XXXX  DEPT OF ED/XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year>2024 Subject : Complaint Regarding Inaccurate Late Payments on Credit Report Complaint Details : I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Equifax. I believe these late payments are erroneous and do not accurately reflect my payment history. 
Nature of the Complaint : Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness. 
Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts. 
Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information. 
Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.

Requested Resolution : I request that Equifax conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report. I ask that all such entries be updated to reflect my true payment history of 100 % on-time payments. Additionally, I request that the credit reporting be corrected across all three major credit bureaus ( XXXX, XXXX, and Equifax ). 
I expect to receive written documentation confirming the removal of these entries within XXXX  days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer. 
Attachments : Please find attached copies of my payment records and any additional supporting documents to assist in your investigation. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

When I took out this loan I was a single mother in XXXX unable to work a second job like I normally would. The loan was advertised toward federal employees and required the repayments be set up through payroll allotments. The interest rate is predatory, but as a single mother I had no choice because I needed it to pay my rent and bills. Due to the heavy load of bills I had to refinance the loan. The interest went from 25.90 % to 26.33 %. I have made XXXX payments and so far almost have of it has gone toward interest. Right now it currently shows my interest rate as 26.34 % which is different from the interest rate that was originally told to me. I look forward to closing this loan and wished no one else would have to encounter them. Unfortunately I know there will be others like me that will have to make a hard choice in order to provide for their family, I just wished companies like BMG Money weren't allowed to prey on the struggling.