23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Experian, at CFPB request did an re-investigation ( 3rd time ) of my dispute, after failing by omitting or ignoring documentation I provided. I am again requesting CFPB investigates Experian ( see enclosed 3 attachments ) regarding Experian 's ruling.
Product: Checking or savings account

Wells Fargo sold my account to XXXX XXXX  then closed my account and transferred my funds to XXXX XXXX without my permission. XXXX XXXX was unable to provide me with access to my funds for over a week, a direct result of Wells Fargo 's unethical actions. 

Wells Fargo gave XXXX XXXX my personal information without my permission. 

Wells Fargo gave XXXX XXXX my social security number without my permission.
Product: Credit reporting or other personal consumer reports

I have hard inquiries on my report that I will like to be removed, Ive sent serval by disputes in regards to these inquiries, these inquiries are fraudulent and I want them all removed XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XXXX XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX
Product: Credit card

I have processed a balance transfer with Bank of America XXXX on XX/XX/year> for {$2500.00}. I have provided the correct information to transfer {$2500.00} to XXXX XXXX XXXX. I have received an email confirming where the balance transfer is being processed to which had the correct information. Bank of America XXXX XXXX XXXX, a completely different company, with the transfer on XX/XX/year>. I have called and a case was opened to fix the issue or look into it. I was told to wait XXXX days, when I called back for a follow up I was told to wait XXXX days, then XXXX days. Now still nothing is being done and now I owe {$2500.00} to XXXX XXXX XXXX and {$2500.00} + fees to Bank of America for the balance transfer that was done to XXXX XXXX, a company I dont even have an account with. XX/XX/XXXX I am being told that a new case will be opened. I have provided the email confirmation from Bank of America confirming a balance transfer to be paid to XXXX XXXX XXXX. I have done a balance transfer to XXXX XXXX XXXX using the exact same information with other credit card companies with no issues. I use the exact same information that was provided for the balance transfer to pay my bill with Bank of America bill pay with no issues. There is no reason why Bank of America XXXX XXXX XXXX, and it seems nothing is being done.
Product: Credit reporting or other personal consumer reports

It has come to my attention that my personal information was exposed in a national data breach, compromising my sensitive data. Upon reviewing my credit reports, I identified accounts that I do not recognize or recall opening. I submitted a request to the Consumer Reporting Agencies ( CRAs ) for validation of these accounts ; however, the required documentation has not been provided as mandated under the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C. 1681i ). This failure to validate the information and the presence of unverified accounts on my credit report raises significant concerns about the accuracy and security of the data being reported. To address this matter, I have filed an FTC complaint regarding the breach and the unrecognized accounts and attached supporting evidence, including my government-issued ID, a copy of the FTC complaint , the XXXX XXXX XXXX XXXX report , and a prior Validation of Debt letter.
Product: Payday loan, title loan, personal loan, or advance loan

In accordance with the FRCA this creditor XXXX XXXX XXXX have violated my rights under : 15 USC 1681 Section 602 Which states that I have the right to privacy, furthermore 15 USC 1681 Section 604a Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

Lastly, under 15 USC 1666b a creditor may not treat a payment on a credit card account on an open-ended consumer credit plan as late.
Product: Credit reporting or other personal consumer reports

It seems FCRA 605B obliges us to eliminate any incorrect accounts from my credit report. Please review the documents. Some listed accounts have inaccuracies in reporting, amounts, and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

In late XXXX I received a Strange call from XXXX XXXX XXXX XXXX  which stated my account has been compromised and they would be sending me out a new debit card. They also suspended my my online banking which revoked my access to all my account associated with XXXX XXXX XXXX Now mid way threw XXXX i receive another call saying my account was over drawn I told the rep i will not verify anything over the phone and I would like to call the number on the back of my card which i did right after the call and the rep said my account was fine and not overdrawn. Now XX/XX/2022 I received another strange call saying my account was over drawn again so i said ill go into the bank and I will not be talking to anyone over the phone because something weird is going on. So XX/XX/XXXX I went into the branch to clear everything up. After sitting with the rep they wanted to make sure I was the one that made certain transactions which we confirmed they banker then removed all the blocked on my account and online banking. That same day I made a payment of {$340.00} to my credit card account in which I've never been late on. Now today XX/XX/XXXX I receive an alert on my consumers report that I have a late payment reported from XXXX XXXX XXXX XXXX  which is not true. I would like this matter resolved and the late payment removed from my consumers report. I will provide proof of my payment and how my account was not pass due ever.
Product: Debt collection

Hello, I have recently noticed fraudulent activity on my credit reports. What I have found ( 5/3 BANK NA ; XXXX XXXX XXXX XXXX XXXX Balance : {$2300.00} ) has led me to believe I may be a victim of identity theft, as I did not approve any info to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the home buying process. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a XXXX  document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Product: Debt collection

After checking my CONSUMER report I noticed a few updates with companies posting there. LOCKHART MORRIS & MONTGO being one of the companies. LOCKHART MORRIS & MONTGO is alleging that i have an alleged debt totaling {$1400.00} dollars with them. I don't recognize them, nor have I received any documentation from them. Im asking that the CFB please investigate them and remove them from my CONSUMER report. Please ask for documents showing that I agreed to them reporting on my CONSUMER report. Thank. you
Product: Checking or savings account

Formal Complaint Regarding Chase Banks Mishandling of Monthly Service Fees and Refund Denial I am writing to formally file a complaint regarding erroneous monthly service fees charged to my Chase bank accounts and the subsequent denial of a refund for a significant portion of these charges. Additionally, I wish to highlight the integrity issues and inconsistent service provided by Chase Bank employees, which have led to my financial loss. 

Upon opening my Chase bank account, I was explicitly assured by the attending banker that it was designated as a student account, exempt from monthly service fees until the cards expiration in XXXX of this year. However, I have noticed unwarranted monthly charges applied to both my checking and savings accounts for an extended period. Specifically, my savings account has been charged since XX/XX/XXXX, and my checking account since XX/XX/XXXX, totaling {$350.00}. 

According to Chases official policy, the eligibility criteria solely require meeting age ( XXXX years old ) and enrollment criteria at the time of opening, with the card valid for XXXX  years. My account was opened in XX/XX/XXXX and is valid until XXXX this year, clearly meeting these requirements. Besidesmy student ID is valid till XX/XX/XXXX as I provided. Therefore, there should have been no monthly service fees incurred during this period. 

In my attempt to rectify this issue, I have contacted Chases customer service on multiple occasions. After nearly XXXX months of persistent follow-up, a partial refund of {$160.00} was arranged by the staff. Regrettably, despite assurances from the customer service team during XXXX subsequent calls that I would receive a response, but my case was closed without any notification or resolution regarding the remaining {$180.00} owed to me.
Product: Mortgage

Carrington Mortgage bought my mortgage from XXXX XXXX whom I was having trouble with. XXXX had put me into what seemed like an unofficial forbearance when I asked them about lowering my mortgage payment due to a reduced income/rising expenses. Nothing was ever said about an end date, etc. 

The people I spoke with at XXXX were always very nice and polite, but somehow, nothing was ever accomplished despite repeated assurances that there were programs available they could put me into. Then they would not accept any payments from me. Eventually this ended up in court, but nothing was ever decided.

Eventually Carrington bought my mortgage ( along with many others ) from XXXX. Even after Carrington bought the mortgage, XXXX was still taking me to court. When I told the judge that I had been notified by Carrington that they had bought the mortgage, XXXX 's lawyer claimed that he had no knowledge of the sale. The judge ended the session and that was the last I heard of XXXX XXXX. 

I was so happy to start anew and filled out all the necessary paperwork for Carrington regarding my income, expenses, etc. Very quickly Carrington sent me info on my new loan, and I was surprised to find it was higher than my old mortgage and more than the budget I sent to Carrington could afford. I contacted Carrington and nothing was ever really decided. About this time I found out that Carrington Mortgage had a large number of complaints filed against them.

Carrington has never made any efforts to work with me or make changes. On occasions someone from Carrington will try to call me on my cell phone ( usually when I am at work ), but they never, ever leave any messages. To make it worse, Carrington has been having problems with their website, and not only can I not pay my mortgage through their website, I can not even access my account through their website. Trying to get in is a never ending merry-go-round of new user names or passwords, not of which ever work despite following their instructions to the letter. Their customer service people are very pleasant, but have never been able to actually help resolve these issues. I am going to try to see if I can make a payment over the phone with XXXX of their representatives today. 

I have been trying to stay with Carrington because I got the loan at a time when the rates were lower than they are now. A new loan with a ( hopefully ) more responsive lender would cost me more according to the lenders I have talked with.

Having read through many issues about mortgage fraud, I can't help but feel this inactivity makes Carrington look like they may be only trying to keep this looking like a legitimate enterprise while wanting to profit from being able to foreclose by preventing borrowers from making payments. I would like to hope I am wrong. 

I usually communicate via email or text so I have a written record of what was said, etc. Feel free to contact me a XXXX or text me at XXXX. I am usually busy at work during most weekdays, so I may not be able to answer as quickly as I would like. 

Thank you very much! 

XXXX XXXX XXXX
Product: Credit card

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit account under an open end consumer plan as late for any purpose
Product: Debt collection

In a statement with the date XXXX XXXX, XXXX, i received a letter from the Financial Corporation of America. This is a collection company that is trying to collect funds for XXXX XXXX XXXX. This bill is for my XXXX XXXX XXXX step-daughter that does not live with us. She is a competent adult that we are not responsible for. I provide her insurance through my XXXX and that is the extent of my obligation for her. She saw this medical group on XXXX XXXX, XXXX and never paid her bill in the amount of {XXXX}. I did not know she went to the XXXX nor was I present for the visit. I did not sign any statement of financial responsibility for this visit. I called this company on XXXX XXXX, XXXX and informed representative XXXX that this was not my debt it was XXXX XXXX 's and they have billed me in error. He confirmed with his supervisor, XXXX, that they correct and allow to bill me. They stated that since i am the insurer they will hold me responsible and not take my name off of the bill making me responsible for the balance. I then conferenced in XXXX on the call and she agreed it was her responsibility and not mine. XXXX gave them her current address and phone number. I followed up the following day and talked with XXXX again who told me even though she gave them her information they will still leave my name on the bill. This does not seem legal to me. I am not responsible for her bills or debt she incurs as an adult. I have also reached out to XXXX XXXX XXXX to also see what can be done to remedy this situation. Please contact me if you need any further information from the XXXX XXXX. Thank you
Product: Mortgage

Today, XX/XX/XXXX, I logged onto my lenders website. Amerihome Mortgage. I used their online system to attempt to defer my mortgage payment for afew months as my income has been affected by the current virus. Amerihome claims deferment is not an option, only a forbearance which will require I pay all 3 months off as soon as the forbearance is over. That wont be possible, and is also not what has been told to the American people by the government.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts and the balance reflected on the accounts are not mine. Credit Bureaus are misrepresenting that I owe this debt and yet they could not substantiate its representation. Please remove the following accounts XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX ( Original Creditor : 08 XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX is listed on a Alleged deed of trust, a company named XXXX filed suit in XXXX in a XXXX foreclosure and was denied for lack of standing, and according to the Texas secretary of state records XXXX 's name became inactive as of XX/XX/XXXX, then in XXXX of XXXX a Civil Debt collection suit was filed using XXXX  ( inactive ) as plaintiff in asking for both a judicial and non judicial foreclosure, which was granted to inactive XXXX. a foreclosure sale commenced on XX/XX/XXXX R.E.O 'd to XXXX XXXX, a company according to a certified copy of record from the Texas secretary of state is and was terminated as a foreign entity in XXXX and had no rights to bring suit against me, along with the attorneys working on behalf of XXXX, XXXX, XXXX, XXXX and XXXX XXXX. sending me letters stating " this is a debt collector attempting to collect a debt '' but are not bonded in texas as debt collectors according to the Texas secretary of state office, a fraudulent deed was filed in the real property records of XXXX county texas, and Legal Injury was caused by the illegal practices of fraud which resulted in a REO of my property by means of a constables deed and a recent eviction attempting to be served on me currently the sheriff was at my house this morning to kick me out, also fraud deed encumbered property of empty lots for equity on a homestead
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Equifax is required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX & XXXX XXXX
Product: Money transfer, virtual currency, or money service

Ive used square inc only once did not do anything that violated XXXX received only one payment the immediately froze my account with {$1500.00} in it and are refusing to release it until XX/XX/XXXX. 

I dont need them to reopen my account i never want to use them again but they should immediately release my funds that they have no reason to hold
Product: Credit card

Citi after requesting and receiving information about this issue has decided that they feel the complaint is too old to investigate further. While it is true that the original airline ticket charge occurred in XXXX, the flight was scheduled in XXXX and we promptly filed the complaint after the airline did not provide the paid for service to have this properly investigated. 

Below are the original details regarding the issue with the airline that we asked XXXX to intervene on our behalf to adjudicate : Due to severe understaffing at the XXXX XXXX check-in counter in XXXX a number of passengers, including myself and my daughter, were severely delayed from checking-in despite arriving XXXX hours before departure and missed the below flight from XXXX to XXXX : XXXX XXXX XXXX XXXX INT XXXX 
XXXX XXXX XXXX XXXX - XXXX ( XXXX ) SPO = Classic Economy Class Further, the booking information provided by Condor was incompatible with the XXXX XXXX self-check-in system ( kiosks ) at the airport. We had also tried to check-in online in advance and were precvented by the XXXX website from doing this. 

As a result of the inability to board our scheduled flight, we incurred additional costs from flight change fees of approximately {$500.00} US plus other costs including ground transportation and an extra night of lodging. 

Thank you.
Product: Student loan

On XX/XX/year> I submitted and Income Driven Repayment ( IDR ) Plan Application asking to be enrolled in the Savings on a Valuable Education ( SAVE ) Plan. 

On XX/XX/year>, Aidvantage asked me for proof of income. On XX/XX/year>, I provided proof of income. 

No response was give until XXXX XXXX XXXX  when I was told I would have to pay more per month than my monthly income for the prior fiscal year, much more than the 10 % of my discretionary income per the IDR plans offered. 

On XX/XX/year>, I received correspondence from XXXX at Aidvantage who stated that I would be sent my IDR application that I submitted on XX/XX/year> within 7 to 10 business days. 

It has been 13 business days since that correspondence, and Aidvantage still has yet to provide me with my IDR Application. 

I need that application to seek declaratory relief in a court of law. Please have them send it to me ASAP as time is of the essence. This correspondence should also serve as a formal litigation hold preventing Aidvantage from destroying any records related to this potential claim. 

Best regards, XXXX XXXX XXXX, XXXX.
Product: Checking or savings account

I got an email from chase bank today XX/XX/2022 at XXXX XXXX congratulating me on opening an account. A few minutes later I got another email saying my email had been changed online. I called chase and someone had opened a checking account using my old mailing address and social security number.
Product: Payday loan, title loan, or personal loan

I am making two formal complaints against the Wells Fargo Installment Loans department 1. Inability to process my loan payoff 2. XXXX XXXX XXXX XXXX during the payoff processing Background : I winter in XXXX XXXX. XX/XX/2022 I was scheduled to fly to the XXXX for the winter season. XX/XX/2022, I went to XXXX XXXX XXXX XXXX and obtained a loan to pay my personal debts. XX/XX/2022. XXXX XXXX  cut a check to Wells Fargo for {$3700.00} to payoff and close my installment loan. It is now XX/XX/2022 and Wells Fargo has not been able to process the payoff due to their inability process ACH transactions. 

Note : I have filed a complaint directly with 'Wells Fargo XXXX XX/XX/2022 I have also filed a complaint with ADA .