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

Just got paid today, X/XX/2017, so I wasnt worried about my checking account, imagine how I felt when I submitted by debit card for payment only to have it declined. Rushing back to work I went online to check my account status. A payment service connected to a online purchase I made charged me for that service, but also charged my account {$39.00} 17 different times!!!! It probably would have been more, but that and other legitimate charges emptied my account. I immediately called the bank. They advised contacting the company and getting the charges removed. I did that, but customer service was not helpful. They needed to forward my compliant to the billing department, which they could not connect me with directly or give me someone else to speak with. They said Id be contacted with 24 to 48 hours. Im broke. They have my money fraudulently and I have to wait for them to investigate. Spoke with the fraud department at my bank, XXXX XXXX XXXX XXXX. They were not terribly helpful either. They cancelled my card, and inconvenience Ive have to go through just a couple of months ago due to a similar problem, and too, will investigate. My question to them and that Im relating here is why something as clear a case of fraud or just some type of mistake takes two or more days to deal with. I asked the banks fraud rep how this could possibly slip through their security software? 17 identical charges, same amount, same charge description one after another and all Im getting is an apology. I dont know how I going to get back and forth to work in the next few days, because someone stole my money from my bank account and the best they can do is apologize. Banks feel free to add fees upon fees to their customers accounts do to honest mistakes made by the customer. But when the bank fails to protect a customers money, you get sorry, dont know how this happened it shouldnt of happened, sorry Not good enough. Not by a long shot. Where the XXXX is my fee?
Product: Debt collection

XXXX XXXX is continuing to attempt to collect exempt fund by sending debt to different debt collector Credit Control LLC to collect they were sent exempt from debt collections letter and a complaint is filed XXXX that they still has not responded to they need to be investigated the 3rd attempt on same debt
Product: Debt collection

On XX/XX/XXXX I received a letter from debt recovery solutions working with XXXX XXXX XXXX to get {$2300.00} for debt collection. They gave me the option to dispute the debt by XX/XX/XXXX. I selected this is not my debt and I sent it back. On XX/XX/XXXX I received another letter from debt recovery solutions that said I had 30 days to contact the office while they had it on hold to move forward. It included random codes with charges amounting to {$2300.00}. They also included an address I had as a child and havent lived at for over 15 years. I called debt recovery solutions on XX/XX/XXXX and the gal said that it wasnt in their system and it was with XXXX XXXX XXXX. I know the debt is not mine as the date they are using is for a medical procedure that was covered in whole XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under 15 usc 1681 section 602 states I have a right to privacy. 15 usc 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instruction. Under 15 usc 1666b a creditor may treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Checking or savings account

They always took the fee even when I had the required amount. Then when I call them they say it nun they can do.
Product: Credit card

I am writing to express my concerns about what I believe are unfair practices by Bank of America, and I would like the FTC to investigate this matter. 
Since XX/XX/year>, I have been unable to access my mobile and online credit card billing account with the bank. When I reached out to customer service, I was told there were problems with the website. Soon after, I got a bill but couldn't access the charges. After two months of this issue and a missed payment, I contacted the XXXX XXXX XXXX, complaint # XXXX. A bank representative named XXXX XXXX, who is an Assistant Vice President and Resolution Specialist, asked me to reach out to him. However, his contact information was incorrect, and he never replied to my email. I then filed another complaint and was contacted by XXXX XXXX, who was not helpful at all. He wouldnt let me access my billing details and told me he would mark my late payments with the credit bureau, which he did. My credit score has now been affected, and I still can not access my digital account. My last attempt was in XXXX, and I keep getting an error message, which I have attached. 
I ask the FTC to investigate Bank of America 's actions to see if they are breaking consumer protection laws. I also hope you will take steps to ensure they are held accountable so that other consumers do not face similar problems. 
Thank you for your attention to this issue. I believe the FTC will take the right actions to protect consumers like me. If you need more details or documents, I am happy to provide them.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX theft Account number XXXX XXXX identity theft Account number XXXX XXXX Identity theft Account number XXXX However, they stated everything was complete and accurate. How is that possible if the open date, date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other item of information, other than records of convictions of crimes, antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also, they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

XX/XX/XXXX XXXX XXXX XXXX, XXXX, Bank employee XXXX XXXX Stated that my savings account was closed preventing me from making a deposit into my savings account. XXXX XXXX XXXX, XXXX, Never answered the Certified letter sent and received by VP XXXX XXXX that was sent to him, due the meeting with myself and two witnesses which was present at the meeting thats willing to testify concerning XXXX XXXX XXXX, IL ; XXXX XXXX XXXX, Check # XXXX, XXXX, IL., Legitimate, Certified, XXXX, Act ; copies! XXXX ; Demand applies, my name is indicated by XXXX XXXX XXXX , XXXX, causing Fraud Upon the Courts/ Aid & Abetting! Coverup are a Crime!
Product: Checking or savings account

On XX/XX/2021 I found a charge on my debit account for {$39.00} from XXXX XXXX in XXXX XXXX Fl. I called the number on my statement and it was disconnected. I called 5/3 bank to report it. Customer Service rep said she needed to shut my card down. I asked why I let her know the number was disconnected. I was put on hold and she came back to repeat to me what I had just told her.

I needed my card and requested it to be sent next day air. I paid {$30.00} to receive in 1 to 2 days. It arrived 4 days later. 

When the card came I accidentally cut the new card up. I called 5/3rd and requested a new card, I also requested it to be sent out 2nd day air at N/C because I payed for my last card and it took 4 days. The rep said the card number would be the same as the card I threw out. 
The card came 6 days later with a different number. I had already given the new number to XXXX, not knowing it was wrong. Meanwhile my bill was not being paid due to the wrong card number. It took a few weeks to find out that my account was behind. 
I called XXXX to let them know what happened, they took the new number. XXXX sent me an e-mail was going to charge me for all my XXXX XXXX which totaled {$780.00}. When they tried to charge {$6.00} and 5/3rd closed my card down calling the charge suspicious.. The grace they had given me was no longer being forgiven since this was the 3rd time the card failed. 
I went to the bank this time and another service rep told me it was my fault, that I needed to call the bank and let them know it was an approved.

3 weeks had gone by and my cable was going to be shut off, my storage unit was not paid.

5/3rd had just recently paid XXXX to a non-existent company without question, but called a XXXX suspicious to a company XXXX who Ive been doing business with for years. 

They have cost me not only an embarrassing situation, but if XXXX doesnt give me a needed break, my account will overdraw and 5/3rd will charge me {$37.00} per transaction. 
I have called the bank almost every day waited on hold for hours to have nothing done for me. 


There will be more calls from other companies as the card denies the transactions. 
My checking account was turned into an express account?? When I told the rep what was wrong, I was told thats the way it is. XXXX finally got a rep on the phone who listens and within 5 min had my checking account put back correctly, and my actual XXXX account was also back. It was just to late to stop what I am going through now.

5/3rd customer service listening skills are 0.

I was put on hold, told things to me that were not true. 
I do not have the funds to pay XXXX and my rent. 
I need 5/3rd to do something for me. 

I had XXXX XXXX XXXX in XXXX and this stress is dangerous for me. The hard part is none of it was necessary. I amXXXX yrs old and I dont do not need to be dismissed by anyone. 

To me customer service is not trained to listen and at times rude. 

I am trying to change banks just need to make sure my Social Security check is transferred to the new bank on time.
Product: Checking or savings account

I was I was in XXXXandhad a new debit card sent so I could access my money. A girl friend of an XXXX  said she would accept the delivery at her address and bring a bondsman to the jail who I would then active my card. And let bondsman withdraw the necessary funds to XXXX  me our. 

The XXXX was delivered to XXXX XXXX address. It only had my mane on it. Didn't even have c/o only my name. 

She opened it and was able to activate the card. Last XXXX of social is needed XXXXmd and that was. Public records when I got arrested.

When I got our I filed police report and after their investigation which included but not limited to all video chats and phone conversations. 

XXXX XXXX was charged and arrested for credit card fraud, I think. 

A few months passed and she made bond and has been on the run every since.

Direct express said that I gave hey information on and denied my claim
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Report and noticed that i had one late payments on an account that i was never late for Consumer Reporting Agencies have assumed a vital roll and a have a responsability to report Consumer information to the best of their ability with maximum accuracy. i have never been late on payments fot he account : XXXX XXXX XXXX Account number : XXXX, please investigate and provide proof with statements showings that payment was late. if proof can't be provide i demand that payment be updated on time as they should be as i was NEVER late. thanks
Product: Credit card or prepaid card

Bank of America does not reduce the balance owed on the day a payment is made, and instead lets the interest accumulate for an additional 2 calendar days before crediting a payment toward the balance owed. Please see the screen " grabs '' from my two accounts. 
Thank you for working for the Consumers!
Product: Mortgage

XXXX XXXX, 2016 RE : Modification Agreement Sent Priority Overnight Received XXXX CFPB Please see CFPB Case No. : XXXX I attached a copy of the email I sent to Rural Department and their response, ( XXXX XXXX & XXXX ), they called this loan a " Traditional Modification '', not a USDA LOAN or a " Borrowers Assistance Loan ''. 
I previously sent copies of the complete document of the " 3 Month XXXX Trial Modification '' from Planet Home Lending. I only attached page XXXX ( XXXX mod ) of this plan, so you can see the 360 months vs 302 months listed in the Planet Home Lending " Modification Agreement ''. I do n't know how to amortize the unpaid balance, but I do not think the monthly payment should be the same. I have attached a compete copy of Planet Home Lending 's Modification Agreement ( pages XXXX through page XXXX ). 
Please review the document called " Limited Power of Attorney '' to correct and execute any typographical or clerical errors. I am not giving anyone power of attorney over anything I am responsible for. 

Could you please review this agreement, even though I did not sign it, I ca n't help feeling there are additional problems with this agreement. 
Thank you so very much
Product: Debt collection

This debt was deleted by XXXX  not owed please delete immediately from my credit report
Product: Bank account or service

I call to American Express prepaid card on XXXX/XXXX/2016, Regarding a re occurring debit that was not authorized by me. I had contracted XXXX XXXX DBA XXXX the weeks prior tto me calling AMEX prepaid to obtain copies of authorization to debit the account on a monthly basis. I was not able to obtain any documentation from them regarding a contact or a withdrawal authorization. On XXXX XXXX, 2016 I received an email for The Blue Bird Team stating charges were justified based on their investigation and will provide me documentation. I have been in communication with them and they are stating they can not provide me with any documentation and the {$290.00} is not eligible for credit back into my account.
Product: Debt collection

I do not have any responsibility for the debt youre trying to collect. 
If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed.
Product: Mortgage

Received a Down Payment Assistance grant from XXXX XXXX as part of their 'hardest hit fund ' for {$15000.00} Sold my house and Wells Fargo is requesting me to pay {$9000.00} to them. 

I escalated this all the way up to the president 's office and not a single person can tell me what is going on. 

If the government gave ME money for down payment assistance, why am I required to pay the money back to Wells Fargo when it was never their money, to begin with. I do not feel that I should have to pay anything back since this was a grant, and on top of that if I am required to pay a portion of the grant back, it should go to XXXX XXXX and NOT Wells Fargo.
Product: Credit card or prepaid card

On XX/XX/2018, at approx XXXX CT, I spoke with a Chase Card services Supervisor at their telephone center. This individual advised me that a new promotion would be running for the Sapphire program starting XX/XX/2018. On XX/XX/2018, at approximately XXXX CT, I spoke with another Chase Card service supervisor named XXXX. I advised her of the previous information as well as the previous CFPB complaint in regards to Chase failing to honor their written promotions. XXXX advised she checked their internal info and showed NO promotions and was unsure where the previous Supervisor would have gotten her information. I then asked XXXX for the previous supervisors name to include in this CFPB complaint and she declined. XXXX also declined to provide any other information that could Identify the Supervisor I spoke with on XX/XX/2018, for the purpose of this report. XXXX was advised of a secondary CFPB complaint being filed for misleading information. See previously related CFPB Complaint # XXXX.
Product: Debt collection

On XXXX my insurance company sent me to XXXX to pick up a rental car due to an accident I had. We had the car for almost 3 weeks and returned to XXXX. On XX/XX/2021. I saw a charge from this company for {$37.00} I never received an invoice and the insurance company told me they will be paid for the rental car we didn't know why we had this charge so I told my bank to dispute this charge. On XX/XX/2021, I received a phone call from the bank letting me know what I was charging for, and when they told me they were tolls payments I approved the transaction, which was paid right away. later in XXXX, I received a collection letter from Transworld Systems Inc, letting me know I owe them {$44.00}. I have been calling, and sending letters with the payment proof like the bank statements and the bank letter more than twice times and they continue saying that I have to pay for the service and the late fees. I never received a written response to my letters and I have been dealing with them for more than 8 months and I don't see they solving this situation. Now in the last call I did their response by phone was I'm in the red list. I don't know what else I can give them to proof of payment and when I asked I didn't receive a response
Product: Credit reporting, credit repair services, or other personal consumer reports

JPMorgan Chase bank had enrolled me into the covid deferment program but they continued to charged and states that they have no record of enrolling me into the program. A 30 day late payment delinquency is put on my credit report for XX/XX/2021 and I would like it to be removed because of inconsistencies with this company.
Product: Mortgage

XX/XX/2020 to XX/XX/2020 {$100.00} and {$3200.00} We were 11 days before closing on a new home when the lender LeaderOne Financial Corporation, Branch XXXX XXXX XXXX and his assistant XXXX XXXX. He decided he did not want to help us with the loan for 2 reasons. 1. Taxes 2. Employment. After disclosing the tax information with the lender he waited until  XX/XX/XXXX to inform me what needed to be done knowing it could not be done. I sent an email with the details about the taxes. After it was to late to do what he wanted is when I received an email saying what he wanted done. The lender was not happy with the employment, I was going to transfer my job to a office in another state but the office closed so I got another job with a new company in my field making adequate wages to continue. These are the reasons he gave for not wanting to continue with the closing. The lender sent me two loan packets for the above amounts. I am a first time buyer. The loan for {$3200.00} says second mortgage, conventional loan, term 30 years, payment of {$200.00} per month. I received an email stating that it is an down-payment assisted 2nd mortgage. I live in Arizona and the new house is in Wisconsin. I have switched everything, Car insurance, electric, mail, Home owners insurance, all things needed including moving expenses. Now I have to see if I can get a loan from a different company and I need to call everything to change dates. I have been told if I get approved it will take 30 days or longer but I have already quit my current employment and taken a new job in Wisconsin and this creates a real problem. 
He has created a nightmare for me. He was extremely rude, loud and mean over the phone on a three way call with boyfriend and the realtor. I have included supporting documentation. Something needs to be done, what he did is wrong and has hurt many people. At the very least he needs to reimburse my expenses.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see the attached documents as it contains my complaint and my identification. No need to send out letter stating you can not identify me, as My identification and proof of address is attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a XXXX  overseas for XXXX  years. When I saw my credit used in the USA and I was not in the USA I sent all XXXX credit FICO agencies every required evidence as well as the companies claiming they had lent money to me. Now I have two companies not removing their reports. They are XXXX  years and XXXX  months today and the algorithm is falsely claiming they are true plus trans union now says I have a late payment I have XXXX late payments I also am not the owner of the loans taken I have proof of identity theft and I want these companies removed who keep this fake evidence on my report
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Vehicle loan or lease

Navy Federal was sent a certified letter regarding my vehicle being in an impound lot that was signed for on XX/XX/2021. Navy federal did not inform me of this and the vehicle was later sold at auction by the XXXX police department. To this day navy federal is still taking my money for a vehicle that neither of us own. At the time my account was in good standing and I should have been notified before the given time to respond. I have attached all of the paperwork that I have received.
Product: Debt collection

I am writing you this statement to delete the following information on my report. The items I need deleted are listed in the report. I am a victim of identity theft, I demand that you remove these items to correct my credit report immediately! I have reported this to the federal trade commission and I have also attached the federal trade commission out affidavit. Now that I have given the following information, please correct my report or I shall proceed with involving my attorney!
Product: Debt collection

I'm victim of identity theft please delete or remove this item on my behalf. 
This item is not mine and this greatly affected my personal life. 
I request to block the following information and please let me know if you need any other information from me to block this information from my credit report. Thanks USAA SVG BK Account number : XXXX Date open : XX/XX/2018 Balance owed {$7000.00}.