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

On XX/XX/XXXX, Wells Fargo withdrew {$1200.00} from my account for a mortgage payment that I no longer have. I paid off my mortgage on XX/XX/2021. I never set up automatic draft from my account so I'm not sure why it was taken out. I called Wells Fargo on XX/XX/XXXX and spoke with XXXX in personal banking and he informed me that I had to speak with personnel on the mortgage side. I spoke with XXXX and he said that I had to speak with someone in personal banking. After the back and forth, I filed a claim ( claim ID : XXXX. I received a call XX/XX/XXXX from XXXX ( Wells Fargo manager ) regarding the survey that I filled out for XXXX. I explained to her the problem and she stated that it should automatically refund my money within a couple of days. I still have not received my money and my account is now in the negative and I've had over {$200.00} worth of overdraft fees levied against my account. I also have items that have been returned back because of insufficient funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX- {$6700.00} Open balance Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence- Please this is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have a auto loan with XXXX, and I wasnt aware until Saturday XX/XX/XXXX that my balance and payments has not been updated in one year, and due to this I was denied an auto loan with XXXX, including trading my current car because XXXX thinks Im one year late and my car is in repo status. It also shows my first auto loan with XXXX, that i only made 5 payments and i had the car for approximately 15months. So this isnt reporting correctly from XXXX. With this being said, I need my old auto loan that was paid in full and no late payments and my current auto loan with XXXX updated, with all payments and current balance to all 3 credit reporting agencies and to CORELOGIC CREDIT REPORT On Monday XX/XX/XXXX a certified letter was mailed out to XXXX and the first complaint was sent in on Saturday XX/XX/XXXX. As of Sunday XX/XX/XXXX I have yet to hear anything from XXXX. On Saturday, XX/XX/XXXX another certified letter was sent out to CoreLogic. And also followed by this new report here..
Product: Credit reporting or other personal consumer reports

There are several incorrect address on my credit report. My credit report should have only one name XXXX XXXX XXXX XXXX XXXXXXXX XXXX. The only address that should be listed or XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. Everything else listed is incorrect and not factual.
Product: Mortgage

Our mortgage was sold to Flagstar Bank in the spring of 2019. We have never been able to get our insurance payment included in our escrow payment even though we had it setup this way with the original lending bank. Flagstar continues to collect escrow payments that include money for insurance but we can not get Flagstar to setup the insurance portion of the escrow account. Both our insurance agent and myself have faxed, emailed and used the insurance link provided by Flagstar to upload the requested insurance documents. Between our agent and myself we have done the requested sending of documents in excess of 10 times. None of these attempts has resulted in Flagstar setting up the insurance portion of the escrow. We ended up paying for the insurance with our own funds last year and then waited for Flagstar to perform escrow analysis and refunded our overage ( should have been used for insurance ). It is impossible to get someone with any knowledge to take care of this issue, I call speak to someone and take their name and when I call back a few weeks later the person is no longer with Flagstar and insurance is still not setup.
Product: Credit reporting or other personal consumer reports

CREDITOR SETTLED FOR LESS THAN AMOUNT DUE CHARGE OFF ; PAID CHRG {$590.00} CHARGE OFF CHRG {$590.00}
Product: Checking or savings account

Bank of America XXXX # XXXX Charges In Dispute : - XX/XX/XXXX - {$1300.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX PURCHASE XXXX NY DEBIT CARD XXXX - XX/XX/XXXX - {$1000.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX PURCHASE XXXX NY XXXX CARD XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - My Bank of America account was compromised and two very large transactions were charged to my account without my knowledge or consent. 

I reported the charges as fraudulent the next business day to a banker at my local branch, they asked me a bunch of questions and then she went to the back but they never filed a claim in branch. 

I tried to get someone who is tech-savvy to help me file the claim online ; it was extremely difficulty to use and the touchscreen wasn't working well, somehow " items never received '' was selected instead of " I did not make these charges ''. 

As a result Bank of America denied my claim. I never made these charges, I never spoke to anyone to approve these charges, this is proof that Bank of America is an accessory to fraud. By allowing people to fraudulently charge the customers account and refusing to reimburse the customer, this is illegal at the federal level. 

They advertise " zero liability '' to get people 's money and they leave them in situations like this. False Advertising at its worst.
Product: Credit card or prepaid card

How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late payment during the pandemic on XX/XX/2020 for 30 days late. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Student loan

1.   XXXX   ( most likely ) or Mohela is inaccuratly reporting a {$48.00} million dollar balance for one of my   XXXX   student loans.
2. The current loan servicer, Mohela, is not reporting the full loan history relating to each student loan as it should for a monthly credit rating - this should be accurately reflected on all of my credit reports. This failure causes the appearance of a much shorter period of responsible student loan history. ALL monthly loan rating history relating to my student loans should be reported to the Credit Bureaus - this has a significant impact on credit scoring.
3. I have  XXXX  open student loans and Mohela ( or the credit Bureaus ) are reporting loan #  XXXX  and #  XXXX  as a single loan on the credit report.
Product: Mortgage

Bank of America ( who gave me a mortgage loan 2.5 years ago ) keeps sending refinance offers with outrageous claims about saving money. 
Their claim : Refinance at a slightly lower rate and save {$4300.00} per year. 
They fail to mention that the extended term on the new loan will increase the total of payments by {$10000.00} under the terms of this advertised refinance offer. It completely fails, in every respect, to make a honest attempt to save me money. In the fine print there 's a statement : " ... you should carefully consider the potential increase in the total number of monthly payments and/or the total interest charges paid over the full term of the new refinance loan - especially for borrowers who currently have loans with terms less than 30 years. '' This is essentially everyone and is an obvious legal maneuver to avoid responsibility for this ridiculous offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized inquiries on credit report were disputed and were not investigated nor removed.

XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Product: Debt collection

I received and paid a bill for {$30.00} from XXXX for service on XX/XX/XXXX. They showed me what I would be paying up front as part of the no surprises act of XX/XX/XXXX as being {$30.00} but then charged my credit card ( which I had removed from my file so they had no authorization to still have my credit card information or to charge it ) on XX/XX/XXXX for {$160.00} and will not tell me what for, show me the itemized bill, or the proof from insurance they claim gave them the amount. They have provided nothing and since it was already charged and not submitted to me as a bill they won't respond since they already have their money and Discover won't do anything about it since I had already agreed to paying them the {$30.00} they consider that I authorized any future charges they may put on the card to be legitimate as well.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to XXXX XXXX. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my XXXX XXXX XXXX, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX
Product: Debt collection

I hope this message finds you well. I am writing to seek assistance regarding my Capital One account, which has been charged off while I was enrolled in a XXXX XXXX due to my financial difficulties as a XXXX XXXX XXXX XXXX 

After discovering my past due account, I contacted Capital One and was informed of the need to check in monthly. Despite my efforts, I recently learned that my account had been closed due to non-payment, even though I was following the program 's requirements. {$5500.00}. 

I have also received threatening letters from XXXX XXXX XXXX without prior communication. I was served papers stating I would be taken to court if I did not respond. My attempts to reach them have been met with rudeness, adding to my stress. 

As a single mother of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am struggling to provide for my family while relying on government assistance. The ongoing stress is affecting my mental health, and I fear for my family 's wellbeing. 

I believe my rights to fair treatment and support are being compromised. I kindly ask for your help in addressing this situation so I can focus on my family 's needs.
Product: Mortgage

We had major problems with our mortgage with Green Tree servicing related to unauthorized fee 's, inaccurate posting of payments and paying our property taxes late ( escrow account ) and charging us with the late fee, harassing me at work, and refusing to provide either monthly statements or online info our our account summary/balance. Unfortunately, a company with problems and numerous complaints can remain intact, and simply change their name. Now that they are Ditech, we are even more upset. I AM CONVINCED THEY ARE XXXX US OVER. We filed a chapter XXXX in 2012 ( we did not include our home/mortgage ) and have continued to pay that on-time every month. Greentree AND Ditech will not put our loan balance or account summary on our statements nor online. We have NO CLUE where our money is going. I make my {$2100.00} payment every month. I called to obtain the info and the recording indicated they received $ XXXX I paid {$2100.00} It appears our loan balance has n't gone down either, it appears to have gone up! I know they added the late fee THEY PAID LATE ( escrow account ) ON OUR property taxes to our loan balance. I filed a CFPD report last XXXX regarding this and have yet to get it resolved/refuneded. I pay online every month on the XXXX,, yet they post payments on the XXXX often ( just to illegally assess a late charge ) Why does it take 2 weeks to get an electronic payment? NO ONE ANSWERS THEIR PHONES, OR RETURNS messages via their website under " contact us. '' I have sent XXXX messages in the past 8 months. The Federal trade regulation needs to investigate them asap!!! I FEEL SICK TO MY STOMACH, AS WE HAVE NO CLUE WHERE OUR MONEY IS GOING, NOR CAN WE SEE/ OBTAIN A COPY OF OUR BALANCE/ACCOUNT SUMMARY TO CONFIRM IT. PLEASE HELP!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act and XXXX Account # XXXX. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING : XXXX XXXX XXXX  XXXX Account Number : XXXX. 2. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING : XXXX XXXX Account Number : XXXX. 3. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING : XXXX XXXX. Account Number : XXXX. 4.. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING XXXX XXXX. Account Number : XXXX. 5. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING : XXXX XXXX Account Number : XXXX. 6. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING : XXXX XXXX Account NumbeXXXX : XXXX. 7. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING : XXXX XXXX. Account Number : XXXX. 8. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING : XXXX XXXX. Account Number : XXXX. 9. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING : XXXX. Account Number : XXXX. 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 also states a consumer reporting agency can not furnish a account without written instructions. I DEMAND THAT ALL ITEMS BE REMOVED AFFECTIVE IMMEDIATELY! AS I HAVE PROVIDED ALL LEGAL DOCUMENTATION VALIDATING THE INACCURACIES OF MY CREFIT REPORT DAMAGING MY LIFE.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have a Truist Business Account. I sent a wire on XX/XX/2023 and as of Today the recipient has not received their funds.

Date International Wire sent to a Verified recipient and XXXX XXXX  XXXX account : XX/XX/2023 Amount : {$8400.00} Today Truist Bank indicated it may take up to weeks for a solution to find the lost funds. Not professional or responsible.
Product: Credit card or prepaid card

In  XXXX  I reported m y Wells Fargo cr edit card stolen. At that time the Representative said they would mark my card stolen and I would not be responsible for the charges.Fast forward to  XXXX   XXXX , I started looking in to buying a home and was told there  was a Wells Fargo account showing I still owed a large amount. I knew this to not be correct. I called Wells Fargo and was told my card was never listed as stolen and I was expected to pay.A week later I received a letter from the IRS that th ey would be taking my tax refunds. I wrote back to the IRS that my card had been stolen, they wrote stating I needed a police report and a statement of what happened with a copy of my driver license and social security card, this was sent to the IRS in  XXXX   XXXX . I also spoke t o Wells Fargo ag ain the Representative said they have not sent me a statement since  XXXX . That is when I finished paying my portion of the debt {$2600.00}. I have always changed my address and have had car loans wit h Wells Fargo. Wells Fargo sent  a letter back stating that since I paid they would hold me responsible for the remaining {$5200.00}. Even though I sent in my police report by fax in  XXXX   XXXX . I have not heard fro m the IRS and I did receive my tax return. I will be uploading the documents that were sent to the IRS and Wells Fargo.
Product: Mortgage

We are U.S. Military Veterans and previously changed Homeowners Insurance Companies from XXXX to XXXX XXXX in XX/XX/XXXX and the new HOA Premium amount and policy was sent into the Roundpoint Mortgage Insurance Department on XX/XX/XXXX. Also, we requested a new Escrow amount be calculated to lower our payments from {$4900.00} since the new HOA Insurance Premimum has been reduced to approx. {$1800.00} vs. {$4000.00} and have requested repeatedly to have this information reviewed. Also, an XXXX Representative called Roundpoint Mortgage on in XX/XX/XXXX as well and spoke to a Representative in the Roundpoint Insurance Dept and she duly noted the account and the XXXX Representative again faxed over the information to the Insurance department and the receipt of the information was confirmed. However, Roundpoint Mortgage is llegally causing an undue financial burden to our family by not adjusting the escrow amount to lower our monthly payment. 

Also, the assigned reperesentative - XXXX -for the Loan Modification process is very rude and abrupt when I had to repeatedly request her to explain what the Stop-Gap process was and believe they are not being very transparent on which program are actually available to Veterans while waiting for the Loan Modfication Process to be completed. Also, I believe they are unnecessarily causing a longated process to complete the modification request. It is very undue and their business practices towards VA Homeowners is very alarming! We should not have to go through this much red tape to request a loan modification. There was much impatience exhibited by my assigned representative XXXX XXXX. I also requested if she could help me get the insurance situation resolved with their department and she initially stated she could, but then reversed and told me she could not transfer me and to call back to the Insurance Dept. This is ridiculous, very non-proactive and this causing more financial burden to my family as well because the representative is not going the extra mile to help.
Product: Mortgage

I have been struggling with Chase for my HELOC. I have been advising from Chase with many different thing. As of Active Bankruptcy of chapter XXXX, I called Chase for negotiate of my loan and to get it close due to approval of short sale from 1st lien holder. I have limited time to close but it took over 4 weeks for nothing. 
XX/XX/XXXX, I called Chase and they told me my file being service by XXXX XXXX XXXX and I need to contact them for more information. Same day, I called them and spoke to XXXX XXXX. She told me I need authorization from my bankruptcy attorney for more discussion. I have got letter sent by my attorney. I called XXXX XXXX XXXX to talk but they gone for the day XX/XX/XXXX. I called XXXX XXXX XXXX and spoke to XXXX XXXX, She told me my lien being release by Chase and decision made on XX/XX/XXXX. I asked for documentation and she said no documents to provide. OMG. I called Chase Recovery Department at XXXX and spoke to XXXX XXXX, she told me nothing to release and release lien being review by Chase. 
I dont know which one to be trust and my house is almost got foreclosure if I cant close on time as of XX/XX/XXXX XX/XX/XXXX
Product: Debt collection

I keep receiving collection efforts from National Business Factors for an alleged XXXX bill of {$59.00}. I have advised them numerous times that I had XXXX  insurance at the time of service at XXXX XXXX XXXX XXXX and they have not billed it properly. This is becoming harassing and improper. I dispute this billing and have numerous times with National Business Factors. I am a XXXX  citizen on a XXXX income and this is unfair and abusive.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed the following context certified mail to Experian on XX/XX/2021... 

I demand Experian to provide me with the names and addresses of original creditors for each account listed below : 1 ) XXXX XXXX XXXX XXXX 2 ) XXXX XXXX XXXX XXXX 3 ) XXXX XXXX XXXX 4 ) XXXX XXXXXXXX XXXX XXXXXXXX XXXX 5 ) XXXX XXXX 6 ) XXXX  XXXX XXXX XXXX XXXXXXXX XXXX 7 ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX 8 ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX 9 ) XXXX XXXX XXXX XXXX XXXX If the names and addresses of original creditors for each account listed above can not be provided, PROMPTLY DELETE all items and all tradelines from my consumer file/report in accordance to 15 USC 1681i ( a ) ( 5 ). 

In addition, I demand Experian to produce a contract affidavit between myself and Experian showing I granted Experian permission/lawful authority to furnish items listed above on my consumer report in accordance to federal code 15 USC 1681b ( a ) ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

If a contract between myself and Experian can not be produced, PROMPTLY DELETE all items listed above and all tradelines from my consumer file/report in accordance to 15 USC 1681i ( a ) ( 5 ) Statements Made under Penalty of Perjury Must be answered By Counter-affidavit with Affiant having Personal knowledge of the Facts therein with Documentary Evidence
Product: Credit reporting or other personal consumer reports

I am filling a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submission, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation of disputes.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i which mandates a reasonable investigation of disputes. Furthermore, Equifax actions may also contravene the Consumer Financial Protection Act ( CFPA ) 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complise with the Federal Law and provide Consumers with the necessary proof of investigations. Please see attachments, I have included my disputes.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding the inaccuracies and errors that continue to appear on my credit report despite my repeated efforts to rectify the situation. These erroneous reports have definitely caused considerable inconvenience and negatively impacted both my financial stability, mental health, and emotional wellbeing.
Product: Credit card

On XX/XX/2024 I attempted to pay from my checking account that I used to regularly make payments, {$23000.00} I was told I could not because it was more than the balance. So I authorized a payment of the full balance due of {$22000.00}. The money was withdrawn from my bank account and paid to Wells Fargo not later than XX/XX/2024. Wells Fargo put a " hold '' on that payment and denied 2 subsequent purchases to my embarrassment claiming I could not use my credit limit because they had a 14 day " hold '' on the payment. My bank confirmed to me that Wells Fargo received the payment on XXXX XXXX. I thereupon told Wells Fargo to close my account because I will not deal with a Bank that holds my payment for " no good reason ''. Something has to be done about actions like this.
Product: Debt collection

XXXX XXXX XXXX threw a {$1400.00} collection on my credit report sometime in the last XXXX hours. Ive not been contacted by mail or phone about anything to do with this debt. I dont have any information on it, and need it removed from my credit report immediately.