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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX - ( ending in XXXX ) Claim ID - XXXX Bank of America has illegally withdrawn funds from my current checking account ( XXXX XXXX XXXX ending in XXXX ) on a claim that has already credited a previously closed checking account. 

On XX/XX/23, an amount of {$610.00} was deducted from my checking account ending in XXXX as a " credit reversal '' on a claim was submitted on XX/XX/XXXX of last year in regards to an older checking account that was fraudulently charged by a company in the amount of {$840.00} ; which was already resolved by Bank of America as a fraudulent charge and credited to my account. 

My current checking account has no ties to this claim and the funds were withdrawn from my account illegally. Please see all attached screenshots to validate this claim.
Product: Mortgage

I am in a VA Loan arrangement with Primary Residential Mortgage and they have made a series of erroneous payments from my escrow account dating back to XX/XX/2020. I have 27 documented attempts to reach them to resolve this matter and they refuse to cure the same. They are in breech of their fidicuary responsibilities in such and are also unresponsive to other regulators ( e.g. TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING ). 

Issues in summary : - They are debiting duplicate tax payments for my escrow account but only actually paying one of them. 

- Pursuant to the above, they are debiting amounts that otherwise were not issued out of the account. The tax entity sent me notices that tax obligations were not fulfilled exposing me to monthly penalties and potential for collection activity ( Ruin my credit and reputation ). 

- Primary Residential Mortgage also duplicated a debit to my escrow account for homeowners insurance ( e.g. debited XXXX in XX/XX/2020 and again XXXX in XX/XX/2020 ). 

Primary Residential has created so much impact that I was forced to find a new lender to align with a company that practices more integrity and uphold fidicuary responsibilities. Their accounting practice has created impact in my ability to transfer to another vendor thus is a practice holding me hostage.
Product: Credit reporting, credit repair services, or other personal consumer reports

First off i would like to state that i am not receiving any help from a 3rd party with this, this is soley me XXXX XXXX writing this complaint. My complaint is simply concerning my credit reporting. i viewed my credit reports ( XXXX XXXX and experian ) what shocked me is that items were removed from my credit report, but what i noticed is that those same removed items from my credit report has now been re entered on my credit report and that is a XXXX XXXX account that was removed and re entered on XXXX, experian and XXXX there was a 2nd account that was removed and reentered, account XXXX XXXX XXXX, i never received anything in writing of the reinsertion in writing, not later than 5 busniess days after the reinsertion on my credit report, Another thing is i noticed that a medical account is on my credit report which is a frca violation as well in 15 usc 1681a ( 3 ) it says the exclusions from a credit or consumer report and medical information is one. CFPB i am certain that you will see this and not see it with any discrimation
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone used my SSN to apply for the federal small business loan. Also, they also used my information to open a BBT debit card.
Product: Debt collection

I asked for validation of this debt and it was removed from my credit report. Today i wake up from an alert saying that it has been re added back to my credit profile. First and moremost a deletion reinsertion is a direct violation of FCRA. I did not receive any written notice about this debt getting added back on my credit report. To my knowledge if they DO NOT notify me in writing, it is an instant violation of FCRA, which carries a {$1000.00} fine PAYABLE TO ME. 

In accordance with the requirements of the FCRA as stated below : *FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] *Requirements relating to reinsertion of previously deleted material.
*Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 
*If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date.
( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. 

I received no such notification. This is a serious violation of the FCRA, and I reserve the right to be undoubtedly upset.
Product: Checking or savings account

In the attachment CFPB will see a transcript dating XX/XX/year>2024 to XX/XX/year>2024. XXXX checks, and an envelope. I started with XXXX XXXX. A global company. XXXX XXXX was the contact person hiring me to work with the company. The transcript will give every detail of the events that occurred during that time. I am filing a complaint against Wells Fargo. XXXX XXXX is accountable as well. Here is why. 

XX/XX/scrub> 2024, Monday, I made an online deposit. Wells Fargo called on XXXX XXXX,2024 and said the check that I deposited was a counterfeit check. Instead of working with me to verify if this check was good or not, Wells Fargo threatened my account and my life. Wells Fargo knew something was wrong with the check. They could have stopped it from proceeding into my account. I called Wells Fargo back after the phone call on XX/XX/scrub> 2024 and XX/XX/year>2024. There were no records showing that my account was in jeopardy. I thought for a moment the call was a scam. Wells Fargo allowed the check to clear my account on XX/XX/scrub> 2024, I am assuming that everything was fine. Then, on the same day, I was trying to prepare to move forward with XXXX XXXX on XX/XX/XXXX, I called Wells Fargo back, suddenly, records were showing a concern with the account after the check was cleared. On XX/XX/year>2024, Wells Fargo returned the check. 

The transcript will show the rest of the conversation through XXXX chat. The conversation will show XXXX XXXX aggressively pushing me to make a deposit. And aggressively pushing to spend all the money in my account. XXXX XXXX wanted illegal access to my bank accounts. They kept asking for my usernames and passwords. 

For a moment I believed that XXXX XXXX was working with me to clear what happened with Wells Fargo. At the end of all this, an account was destroyed, I can not make my payments, because of a returned check. In the attachment you will see checks not from XXXX XXXX from XXXX XXXX XXXX. The check that was returned. XXXX XXXX. A check I would not deposit because of XXXX XXXX XXXX. An envelope the XXXX check came from that says XXXX XXXX XXXX. And the transcript of the entire event from XX/XX/scrub> 2024 to XX/XX/year>2024.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX regarding their mishandling of a collection dispute I re-submitted on XXXX. I have submitted numerous times previously but I am not able to pull dates online as they are not able to be viewed online. 

I have a collection account listed on my XXXX credit report from XXXX XXXX XXXX for {$6100.00}. I believe this collection is inaccurate and should be deleted from my report for the following reasons : Incorrect dates or amounts Payments not reflected Debt not legally enforceable Incorrect Notice and Move-Out Dates : Your records incorrectly state the notice date as XX/XX/year>, and my move-out date as XX/XX/year>. However, I provided written notice of intent to vacate on XX/XX/year>, and officially vacated the property on XX/XX/year>, as supported by my email correspondence with the community XXXX. In that email, the community director authorized leaving the keys in the drawer upon departure, which I adhered to. 

Misapplication of XXXX XXXX : The lease explicitly states that management is required to apply any held funds, including the security deposit, towards any outstanding balances. This was not reflected in the final statement provided, which is in direct violation of the lease terms. 

Unlawful Late Fees : The lease states that only {$200.00} late fees are valid. The imposition of daily {$10.00} late fees for a period of 12 days ( totaling {$120.00} ) is not mentioned anywhere in the lease agreement and constitutes an illegal practice under applicable Georgia law. As such, I am not obligated to pay these charges. 

Other Discrepancies : The total outstanding balance of {$6100.00} includes charges that are ambiguous and unsupported by documentation or contractual terms, further invalidating this claim. 

I have provided XXXX with a lease, a document of charges including charges that are not legally chargeable, proof of inaccurate dates listed, and proof deposit was never credited to the final balance. Despite submitting this evidence, XXXX has maintained that the collection is valid. I believe XXXX is not conducting a thorough investigation of my dispute and is failing to properly review the evidence I have provided. 

I request that the CFPB investigate XXXX 's handling of my dispute and take appropriate action to ensure they comply with the Fair Credit Reporting Act ( FCRA ). I also request that XXXX be required to delete the disputed collection from my credit report.
Product: Mortgage

Green Tree changed the terms of my loan without ever contacting me or me agreeing to the change. I was paying my taxes separately from my mortgage for years. GT started to pay the city out of my payment without ever telling me. I went to the City to pay my taxes last XXXX 2015 and they said they were paid by my mortgage company. The problem I have now is because they took the taxes out of the money I paid towards my mortgage every month for 7 + months and reported me late on my credit report. I NEVER signed or agreed for them to pay my taxes. I have since gotten a modification ( took 3 + years of XXXX ) and they did finally lower my interest rate and I am now paying my insurance and taxes through them, but I never agreed to this before the modification. I want the late for 7 months taken off my credit report because it is not true. I was not late, they changed the terms of the loan without my consent or knowledge. Please respond.
Product: Credit reporting or other personal consumer reports

Fraudulent applications were submitted using my personal information. Please remove inquiries Equifax Report XXXX XXXX ( XXXX ) XXXX  ( XXXX ) XXXX  XXXX ( XXXX ) XXXX XXXX XXXX  XXXX XXXX. ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

When I checked my credit report, I found that part of the information was inaccurate. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting items as unconfirmed information without supplying evidence within the legally required amount of time. The following false information in my credit report must be investigated and omitted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FINANCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FINANCIAL XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CREDITXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SERVICE XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Student loan

I have asked for verification that both of these loans belonged to me by sending me the original documents that were signed because it basically looks as if they are trying to charge me for loans I didnt take.
Product: Credit reporting, credit repair services, or other personal consumer reports

My University of XXXX XXXX loan was discharged on XX/XX/XXXX for XXXX XXXX XXXX XXXX. They use XXXX XXXX XXXX  as there servicer. However i was charged for 2 late payments between XXXX and XX/XX/XXXX. This should have never happened because the student loan was discharged on XX/XX/XXXX. See attached documentation and date of discharge.
Product: Debt collection

Stafford Group has contacted several family members, work, etc. demanding money for a collection account for the entire month of XX/XX/2022. My personal vehicle was brought up as a threatening tactics to try and scare me. Did research on this company and have found several negative reviews of this being a scam company the XXXX has lots of complaints from this company including a website that redirects you to XXXX Validation letter from the company has never been received with break down any debts own.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has neglected to protect consumers and allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexis Nexis is in violation of my consumer rights. Lexis Nexis has taken information from the PACER system and sold that information to other reporting agencies.

Lexis Nexis is in violation of FDCPA 15 U.S code 1692 a Abusive invasion of an individual privacy It is a federal offense to sell personal information of any consumer for monetary or any purposes for the matter.

Lexis Nexis is in violation of 15 U.S code 1692 d ( 1 ) Any bad debt furnished on my report is ruining my reputation and defamation of character.

I will provide proof in an attachment letter directly from the US Bankruptcy court stating they do not furnish bankruptcy on consumer reports because it's against the law.

Lexis Nexis is in violation of 15 U.S code 1681 b Permissible purposes of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I, XXXX XXXX never gave Lexis Nexis any written consent to report anything on my consumer report, No consent is identity theft. A copy of the law is above. 

Concerning the account listed below as a consumer, I'm demanding the deletion of this account from all reporting agencies. 

US Bankruptcy I have demanding this information be deleted from my private consumer report numerous of time. No one other than myself can verify accurate information according to the consumer federal laws.

Lastly, Lexis Nexis has continued to violate my consumer rights and they are also in violation of 18 U.S code 1028 A Aggravated identity theft ( a ) offenses ( 1 ) In general Whoever,, during and in relation to any felony violation enumerated in subsection ( c ), Knowingly transfers, possesses, or, uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.

Each violation carries a fine of {$1000.00} and a possible imprisonment of 2 years.
Product: Debt collection

On or about XX/XX/21 there was a collection account added to my credit report. So I immediately disputed the item to the two credit agencies that they were on. XXXX  updated and removed the item in two days, since I sent them the proof of payment. 
The same day I submitted a dispute with Transunion, and uploaded the same information I sent to XXXX. Every few days I would check on the status of the dispute, it will always say in process and it will take about 30 days to complete. Today I login to Transunion to check for the status and its gone, just disappeared and had to file a whole new dispute again and start over from the beginning. I feel like I shouldnt have to wait another 30 days for this to be resolved since they are the ones who made the mistake. I was looking to make a large purchase but have been stuck now waiting on Transunion, XXXX  fixed it ASAP why cant Transunion.
Product: Mortgage

From the outset of my efforts to refinance my duplex with NAFinc, I advised them that I did not retain copies of my tax returns beyond the 1040 signature page. Nonetheless, they insisted I provide copies from my CPA which contained errors even obvious ones with my SS #. Such copies were incorrect, never filed with the IRS and were not the actual, authentic returns. I simply retained them for future reference when I dismissed my CPA. 

XXXX used the unfiled, incorrect and unofficial returns as a basis for insisting that amended returns be filed. Thereafter, they asserted that due to CPA errors the Investor Guidelines did not allow them to accept the IRS tax transcripts when I ultimately provided those in an effort to expedite closing. 

I repeatedly advised XXXX that there were no copies of what I actually filed and that their use of CPA copies was improper, irrelevant and flat out wrong. Pivotal to these exchanges was the fact that the IRS accepted my corrected returns, did not require amended returns and issued me a refund! My point of contention with NAFinc was their improper use of copies NEVER filed and their insistence that returns be amended when no such requirement was imposed by the IRS. 

Their new assertion that I did not qualify for a loan is fallacious. In fact, when I specifically requested a denial letter, after standing firm in refusal to amend returns, they would not provide such a letter. Instead on XX/XX/XXXX, I was told my loan was APPROVED subject only to the amended returns. 

I made every attempt to move the controversy out of the hands of XXXX Underwriting Dept by writing to their General Counsel then finally wrapping in one of the co-owners. But, they did not appreciate the problem and passed it off to a customer service person who simply regurgitated what the underwriters ( who were wrong ) told her. I have emails from all concerned.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX In accordance to the fair credit report Act : this creditor has violated my rights under 15 USC1681 section ( a ) ( 4 ) which states : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] states : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 2. In accordance with the written instructions of the consumer to whom it relates.

15 USCS 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan late for any purpose.
Product: Credit reporting

Equifax told me that they can not allow me access to my credit report. I spoke with XXXX in the Office of Consumer Affairs. I informed him that neither I, nor creditors, could access my credit report. HE TOLD ME THERE WAS NOTHING HE WAS WILLING TO DO AND I JUST HAD TO LIVE WITH IT. I literally can not apply for credit and have no idea what is in my report. He offered to send me a copy of my credit report but this is not helpful because creditors still ca n't access the report. I DO NOT WANT ANOTHER COPY OF THE REPORT MAILED I WANT IT FIXED SO I CAN ACCESS THE REPORT ELECTRONICALLY AND SO CAN CREDITORS. This is my third complaint about the topic and Equifax never responds correctly, they just send another paper version. I have even been denied access to the report through Equifax itself so clearly they know what the problem is but refuse to fix it. Attached is a screenshot showing the denial.
Product: Mortgage

Yes, the bank M & T Bank signed a document before placing on my home title a XXXX XXXX XXXX they are required under the XXXX Civil Code 2923.55 c Declaration of Compliance prior to taking such an act as placing a XXXX XXXX XXXX or XXXX. They attested they could not make contact with myself and spouse and that bank satisfied the due diligence efforts that are required under 2923.55 ( f ). In that code it states the bank must mail a certified letter with a return receipt as the final step. I am requesting the proof they assert to produce the certified letter and receipt with tracking number so I may verify if it was mailed and received by the code they should or need to produce that document. I am asking them to verify and confirm they did. Thus far they have not produced I either want them in writing to confirm they do not have it or produce it and give it to me as I am entitled with my rights as a homeowner.
Product: Credit reporting or other personal consumer reports

The Original Debt. was settled and Closed with a XXXX Balance with Conn 's however, After settlement the settled Debt. was sold as if never PAID to Portfolio Recovery in the Amount of {$680.00} and I been Disputing it because it was Closed & Settled with Conn 's. 
However, I do not have the File number but the Dispute with XXXX XXXX on XX/XX/year> was NOT completed until early XXXX VIOLATED the Consumer 's Fair Credit Act rights as required by the act to reply within 30 Days. 
In light of this Violation I think the Company should PAY the Violation FEE of {$1000.00} and Remove the Collection from My Credit report which by the State of Texas Statute of DEBT Limitation Law of 4 Years has expired making it a Non Valid DEBT. in fact BOTH of My Portfolio Recovery Debts are beyond the Statute of Limitations and should be removed from My Credit Report. 
I Do Not appreciate the fact that the Notes say : Account information disputed by consumer, meets FCRA requirements when in reality how does it meet FCRA requirements when it was an active unresolved Dispute from XXXX to XXXX that is in fact a Direct Violation of My rights under the FCRA Law.