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

" You stated that the account should be in your name being that the account is under the social security number of your child. You stated that the Bank has accepted the transfer and allowed this person to steal your money without checking the validity of the name of information from the party whose account it is. You are requesting that the funds be returned, the account changed, and transfer your funds to a more responsible institution. '' First and foremost, in a previous complaint submitted Bank of the West stated that I am not the account holder for an account that has my childs ssn on it which could perhaps in question. This account was more than likely transferred from an account that has my childs ssn on it at XXXX. YOU ARE REQUIRED TO VERIFY WHERE FUNDS CAME FROM UPON ENTERING YOUR INSTITUTION. I did not sign anything to have my account transferred to someone else where the ssn or tax id is different. If you take privacy and security seriously, this would of been investigated by your institution. I am the ONLY guardian of my child and if the account is opened using my childs ssn, it is FRAUD. Any bank would know that if I clearly called them to state MY INQUIRY. if you pulled my childs ssn up and an account pulls up, that means it is in fact my account regardless whose name is listed. I submitted a police report. Your conpany clearly doesnt know your role in verifying where funds came from and whose account it came from. The funds came from an account owned by me with my childs ssn on it amd was transferred to another institution to a person I have no clue who they are. How is that not fraud. Did this person show proof that the ssn used is his or a childs. Tax id numbers are supposed to be verified when used. Clearly you did not verify it! Failure to follow regulations. I want the account associated with my childs ssn found. SEC  has been notified of your fraudulent acts and inability to research my issue.
Product: Student loan

My loan servicer changed from Nelnet to Sloan Servicing without proper notification, and was unable to log on and access my account, which then went into delinquency. 

After paying off the full amount of my student loan upon learning of the amount due, and the company it was now due to, I requested the delinquency to be removed from my credit report, which was denied, despite having paid.
Product: Mortgage

During XXXX I had a reduction of income in relation to starting a new business, launching a new law firm with another attorney. The first year of operations saw very little income, we may enough to pay our staff mostly. I inquired with Wells Fargo regarding refinancing options, XXXX etc. Wells Fargo stated that I could not be considered for any refinancing until I was in arrears in payments by at least 90 days. At the time of inquiry my payments were current. I allowed payments to become in arrears and was approved on 3 separate occasions for refinancing. Each time I returned the mail away closing documents as instructed and Wells Fargo declared the refinance invalid for various reasons each time. once they claimed a signature was missing, once a notary was missing and one of the packages was received and returned within 3 days and Wells Fargo claimed the documentation was not received timely. I looked back and Wells Fargo had included a required return date that predated my date of receipt of the closing package. Mind you, during this time I was a real estate closing attorney. All three refinance packages were completed and accurately completed on my end and doublechecked by myself and my staff. I strongly feel that Wells Fargo was misleading me during this process and sending refi docs for signature with built in false pretenses each time on a new reason to deny the acceptability of the loan packages after signature. The amounts I owed to keep the house from foreclosure continued to rise and eventually I had no choice but to succumb to the foreclosure. I recently requested a review and received a letter dated XXXX saying Wells Fargo does acknowledge an error may have occurred and enclosed a check of {$200.00}. I will not cash this check. Their misleading efforts resulted in foreclosure of my house and significant damage to credit for years, not to mention the social stigma and person anguish. I later moved to Alabama and began working as in-house counsel for a bank. I faced enhanced scrutiny from my new employer during the interview process regarding the foreclosure. Also when I applied for admittance to the State Bar of Alabama I faced enhanced scrutiny due to this foreclosure. I was required to appear personally at the state bar headquarters to explain this past history in great detail before they decided to admit me to the state bar. We visit and stay for at least one weekend a year with old friends in the same neighborhood where our house was foreclosed on by wells fargo and when i drive by I feel the sting and sadness and betrayal relating to that house and our experiences with wells fargo. That was the house we bought with our first real jobs and the house where we started our family.
Product: Money transfer, virtual currency, or money service

Multiple dates last 2 weeks in XX/XX/2019 PAYPAL refuses to process multiple routine transactions without explanation but with message to " try Later ''. Telephone conversation with tech support reveals a " security block '' reason unknown to humans. I am told nothing they can do and they dont know when this problem will end. Additionally i am denied access to my account due to security verification code that paypal insists on sending to old phone numbers that are 20 years old. This in spite of the fact that i have removed these old numbers from my profile.
Product: Debt collection

I am writing to file a formal complaint against Credence Resource Management for attempting to collect a debt I believe is not valid and for failing to provide debt validation as required by law. 

The account in question was opened on XX/XX/year>, and Credence Resource Management is currently attempting to collect a debt. I have not signed any contract or agreement with Credence Resource Management or the original creditor associated with this debt. Additionally, they have not provided any validation of the debt or any information showing that they have the legal right to collect this debt. 

According to the Fair Debt Collection Practices Act ( FDCPA ), Credence Resource Management is required to provide me with validation of the debt, which should include : The amount of the debt ; The name of the creditor to whom the debt is owed ; A statement of my rights under the FDCPA, including the right to dispute the debt. 
I have not received this information. Furthermore, as this is a debt that Credence Resource Management claims to collect, but for which I have never entered into any agreement or contract, I am requesting that they cease any further attempts to collect this debt until proper validation is provided.
Product: Credit reporting or other personal consumer reports

XXXX continue report old account to equifax. they violated FCRA 7 years rules
Product: Credit card or prepaid card

Back in XXXX I had called in to inform Chase that my Chase Slate card was misplaced and that I needed to freeze the account. The representative had mentioned that she could replace the card/ freeze the account ( block all in/out transactions )/ OR UPGRADE THE CARD. I told the representative to just freeze my account and I would get back in regards to the upgrade. As of XX/XX/XXXX my Chase Slate Credit Card was closed by chase bank. I personally had not checked my app until today XX/XX/XXXX. I called in to inquire why my card was closed. It was due to inactivity. I called instantly to inquire what about the freeze on the account and they told me regardless of freeze the account was inactive so they closed it. I also asked the representative regardless of the card being closed, if there was a way for the bank to reopen that card/account and then was told that the limit for reconsideration was 15 days ( which online says 30 days- which I would've been accepted ) after they mailed me. The representative on the phone today then confirmed with me that PHYSICAL MAIL was sent to my CORRECT ADDRESS ( which I also double checked with her on phone ). I NEVER RECEIVED ANY NOTIFICATION MAIL!? 

As a fellow Chase member that PRIDES he NEVER missed a payment, this is very frustrating because this miscommunication now effects my personal financial situation heavily.
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act these creditors have violated my rights. XXXX XXXX XXXXXXXX XXXX account number : XXXX on XX/XX/XXXX address : XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, closed account with no account number. XXXX XXXX & XXXX XXXX XXXX address : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ) XXXX XXXX account number : XXXX address : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX ( XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XXXX ) XXXXXXXX XXXX  account number : XXXX. XX/XX/XXXX address : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX ) XXXX XXXX account number XXXX XXXX address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ) XXXX XXXX  account number. XXXX XXXX XXXX address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX account number : XXXX. XX/XX/XXXX address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ) MOHELA/DEPT OF ED, account XXXX. address : XXXX XXXX XXXX XXXX, MO XXXX XXXX - XXXXXXXX XXXX XXXXXXXX Under 15 USC 1681 section 602 states I have the rights to privacy. 15 USC 1681 section 604 section 2 it also states : a consumer reporting agency can not furnish an account without my written instructions. 15 US Code 1681A definitions ; rules of construction - exclusions. -- - except as provided in a paragraph the term " consumer report '' does not include -- any report containing information sole as to transactions or experiences between the consumer and persons making the report. Under 15 USC 1666b : a creditor may not treat a payment on the account under an open-end consumer plan that's late for any purpose. 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Miscellaneous XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXn XX/XX/XXXX TransUnion XXXX Travel/Entertainment XX/XX/XXXX TransUnion XXXX XXXX  Automotive XX/XX/XXXX TransUnion XXXX XXXX Bank  XX/XX/XXXX TransUnion XXXX XXXX Automotive XX/XX/XXXX TransUnion XXXX XXXX XXXX Finance/Personal XX/XX/XXXX TransUnion XXXX Finance/Personal XX/XX/XXXX TransUnion XXXX  XXXX Miscellaneous XX/XX/XXXX TransUnion XXXX Miscellaneous XX/XX/XXXX TransUnion XXXX  Miscellaneous XX/XX/XXXX TransUnion XXXX Miscellaneous XX/XX/XXXX TransUnion XXXX XXXX  XXXX XX/XX/XXXX TransUnion XXXX Miscellaneous XX/XX/XXXX TransUnion XXXX  Miscellaneous XX/XX/XXXX TransUnion XXXX XXXX XXXX Finance/Personal XX/XX/XXXX TransUnion XXXX XXXX Bank XX/XX/XXXX TransUnion XXXX XXXX Automotive XX/XX/XXXX TransUnion XXXX XXXX Automotive XX/XX/XXXX TransUnion XXXX XXXX Bank XX/XX/XXXX TransUnion XXXX XXXX Finance/Personal XX/XX/XXXX TransUnion XXXX XXXX XXXX Home/Office Furnishings XX/XX/XXXX TransUnion XXXX Miscellaneous XX/XX/XXXX TransUnion Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Product: Debt collection

This company has been calling my sister repeatedly for a couple of weeks now and leaving messages stating they are trying to locate me and that I used her as a reference. They have since been calling other family members as well as my own cell phone & house phone multiple times a day. I have called them to find out who they are, but can not get anywhere because I will not provide my personal information to verify myself as I do not know why they are or what company they are representing. I understand all of this and requested that they then mail this information to the address that they have on file as I do not believe I owe anyone money and they have refused to do so stating that I have probably moved. I have not moved in over 7 years and informed them of this and yet they still refuse to do anything. So now I am at a stand still. Myself and my family are being harassed with phone calls multiple times a day and I can get nowhere with this because I will not provide my personal information to a company I know nothing about as I do not even know if this is a scam! All I am asking is for the phone calls to stop & for something to be mailed to me providing proof of whatever debt they say I owe then I will be completely willing to talk to them about it and prove my identity. They keep saying they are calling my " references '' I have never used references for anything. I have never had a car loan or any other type of loan or any other debt that would require me to have references so I find this very hard to believe as well. Not to mention my last name has not been what they are calling me for the past 5 almost 6 years and my sister was only XXXX at that time so I most definitely would not have been using her as a reference even if I had to have one.
Product: Credit reporting or other personal consumer reports

Concurring to the Reasonable Credit Detailing Act 15 USC 1681 area 602 a states '' There may be a have to be guaranteed that buyer announcing offices work out their graveresponsibilities with reasonableness, unbiasedness, and a regard for the consumers rightto privacy. '' XXXX and XXXX are buyer announcing organizations and I am theConsumer. I have the proper to form beyond any doubt my private data isn't shared whichis supported by 15 USC 6801 which states '' It is the approach of the Congress that eachfinancial institution has an certifiable and continuing obligation to regard theprivacy of its clients and to secure the security and privacy of thosecustomers nonpublic individual information. '' ( Furnisher of data tocredit offices ) could be a monetary institution by definition beneath that title. 15 USC1681 segment 604 a segment 2 states that " In common Subject to subsection ( c ), anyconsumer announcing office may outfit a buyer report beneath the followingcircumstances and no other : in agreement with the composed enlightening of theconsumer to whom it relates. '' ( Furnisher of data to credit offices ) thefinancial institution and the Customer announcing offices XXXX and XXXX not have my assent to outfit this data and they without a doubt don't havemy composed assent. Any and all assent to XXXX, XXXX, ( Furnisher ofinformation to credit offices ) whether it be verbal, non-verbal, composed, impliedor something else is denied. 15 USC 6802 ( b ) ( c ) states that " A money related institutionmay not uncover nonpublic personal information to a nonaffiliated third partyunless the buyer is given an clarification of how the shopper can exercisethat nondisclosure option. '' ( Furnisher of data to credit organizations ) Neverinformed me of my right to work out my nondisclosure choice. Not as it were that 15USC 1681C ( a ) ( 5 ) states '' But as authorized beneath subsection ( b ), no consumerreporting organization may make any customer report containing any of the followingitems of data Any other antagonistic thing of information, other than records ofconvictions of violations which precedes the report by more than seven a long time. '' Thisaccount is an unfavorable thing they are announcing once more without my consent which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A individual should notfurnish any data relating to a buyer to any customer detailing agencyif the individual knows or has sensible cause to accept that the data isinaccurate. 15 U.S. Code 1681e states '' Each customer announcing organization shallmaintain sensible strategies outlined to maintain a strategic distance from infringement of area 1681c ofthis title and to constrain the outfitting of shopper reports to the purposes listedunder area 1681b of this title. XXXX and XXXX are not maintainingreasonable strategies. Moreover 12 CFR 1016.7 states that " A shopper mayexercise the proper to select out at any time. '' I am picking out of your reportingservices.
Product: Vehicle loan or lease

Santander has obtained my personal account information, violated my confidentiality by falsely reporting fraudulent information on my credit report. I have the documents necessary to substantiate this claim. This very dishonest, Santander Consumer has also defrauded with XXXX XXXX XXXX to illegally and deceptively obtain money that was due to me. From the application of credit ( for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) I have requested a validation of this alleged debt resulting in them ( Santander Consumer ) sending a null and voided contract. I also reported the credit to IRS via 1099b. Santander has also voided and rescinded and purchase ( XX/XX/2022 ) I can show receipts of payment history because I actually had been in honor of the contract. However for the initial purchase of the first vehicle ( XXXX XXXX XXXX from XX/XX/2022 ) there was never one payment because Santander XXXX rescinded that contract, I have no payment history with Santander obviously because I reported them to IRS, yet Santander has an animated payment history. I can prove fraud. I want the XXXX Santander Consumer has defrauded my insurance company for, I have been injured as a result. XXXX XXXX has the false payment history I also has copies.
Product: Checking or savings account

From XXXX to XXXX Navy federal would allow money to come out of my account without money being in my account. Then I got charged overdraft fees.
Product: Mortgage

To Whom It May Concern : My Account # is : XXXX We closed this mortgage refinance on XX/XX/XXXX. Then on XX/XX/XXXX I was contacted by XXXX XXXX, Processor Amerisave stating that the escrow had been miscalculated and I Needed to pay {$480.00} to my homeowners policy with XXXX XXXX, which I did promptly. After closing there was a payment paid to my property tax of {$250.00}. However, I have just received a new bill for my property tax. 

To date my Insurance has not been paid and was due XX/XX/2020. I have recently received another bill for my property taxes due XX/XX/2020. I have bills for each, and have sent them to Amerisave. 

I cant seem to get any answers, while I have paid to set up an escrow account, I continue to pay my mortgage payment to Amerisave which includes {$290.00} per month to be paid for both my property taxes and my homeowners insurance, combined. My homeowners policy will soon be canceled if payment is not made. I will not pay more than I have already paid. I would appreciate it if someone would get back to me. 

It is a shame, as I had such a good experience with Amerisave twice, once that didnt work out. This however seems a bit ridiculous as we are having this conversation in XX/XX/XXXX, when we closed the loan in XX/XX/XXXX. 

Please advise, XXXX XXXX
Product: Credit reporting

Target, has provided incorrect information on my credit report and the payment system that they used inadequately had problems processing my payments and the money was in my account each time. I want the adverse account information removed from my account. It was their fault for the lateness.
Product: Checking or savings account

I was being charged {$25.00} from what I believe the last two years maybe more never realized it. I check my statement but since I have many transactions it went unnoticed. It is from a company that offers family insurance in case of accident that Bank of America offered me but I never signed any paper that I recall. I dont step foot in a bank mostly is all through online and they didnt even have my current phone number so how did they get my account number if it was supposeably through phone. I have been trying to speak to that company and a representative just told me someone would call back to talk to me. They couldnt give me any details. All I want is for them to prove if I signed up for it or if they committed a scam I dont recall giving them my account number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX dated XX/XX/2022 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX, XXXX and TransUnion has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXXXXXX XXXX XXXX. I believe it was reporting in error. 
XXXX XXXXXXXX XXXX XXXX Balance Owed : {$19000.00}
Product: Debt collection

Company is reporting Charged off which means this supposed debt is now income. However, I have not received a XXXX or validation of Charged off. 
This is unfair presentation. How can this be both income & debt?
Product: Bank account or service

On XXXX I visited my local Citizen 's Bank branch ( XXXX MA ), brought all accounts to a Zero balance and closed my account. 

On XXXX ( ish ) An automatic XXXX payment was accepted under the closed Citizen 's account, which apparently reopened the account, unbeknownst to me. 

Since the account was triggered and reopened, I have not once been notified by Citizen 's Bank of any account reopening. Also, I am being penalized for not paying in the form of Fees. 

On XXXX, I was assured the account was in fact closed. At no time ( either in writing or verbally ), was I, as a consumer, informed that any account activity would automatically result in account reopening. Citizen 's bank did not have the right to accept any automatic amazon payment without my consent, and due to their practices have not notified me of any account reopening, resulting in multiple fees, which is misleading me as a consumer. 

I offered to pay them in full for any charges I inadvertently incurred, so long as they waive all fees, and they refused to do so. I feel that I a victim of unlawful business practices because of Citizen 's failure to disclose to me that my account had been reopened AND inform me any activity would result in account re-opening. 

It is in my best interest as a consumer to PERMANENTLY close this account. However, I have no option to do so, and am being forced to pay for wrongfully incurred fees. It is my hope that you can look into this, and help rectify the situation, or even advise Citizen 's Bank as to what information they are required to disclose to any future customers who are leaving their services.
Product: Credit reporting or other personal consumer reports

Incorrect information on credit report Account Staus incorrect Have you tried to fix the problem with the company Select Yes Did you request information from the company Select Yes Did the company provide the information No Next What Happened Entetr thhe following Recently, I did an investigation on my credit report anf found several items on thre to be inaccurate.

under 15 US Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S Code 1681i ( 5 ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from the credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX