23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt or credit management

Hello, I had a monthly membership ( {$6.00} ) with Bright Capital/Money in XXXX and part of XXXX, in an effort to raise my credit score. 

From what I understood in XXXX, they were a credit building company and I wanted to raise my credit score. 

Since XXXX, they withdrew monies from my checking account every day/month and apparently paid my creditors every month ( in addition to my normal payments ). 

I still do not know if they paid any of my creditors. 

Please see XXXX for more about this company - XXXX XXXX XXXX XXXX & XXXX Also, I did not have any credit with Bright and did not borrow any money from them. They used my monies to pay my creditors. I have the bank statements. 

Ultimately, I wasn't pleased with Bright, so I canceled my account with them in XX/XX/XXXX. 

Then out of the blue in XXXX XXXX or in XX/XX/XXXX, Bright hit my credit report with a 30-day late payment of {$5.00} ( XXXX dollars ), which destroyed my credit. 

I have no other late payments on my credit reports, and I have paid all of my accounts on time every month, for years. I can easily share my credit reports. 

Because of Bright 's negative reporting, I've had a very difficult time getting any new credit in the last several months. 

My credit score dropped XXXX or XXXX points in just a few days because of Bright 's erroneous reporting. 

I contacted Bright many times and no one can explain why there is a XXXX dollar late payment on my credit reports ( XXXX, XXXX ). 

And when I contacted Bright this week, they said my account was deleted. 

I need you help. This seems like a scam and Bright severely damaged my credit report for no reason. 

Thank you for any help.
Product: Consumer Loan

Lienholder wo n't release vehicle title. 
Lienholder : Toyota Financial Phone : XXXX Acct # XXXX XX/XX/XXXX Vehicle discharged with bankruptcy chapter XXXX ( case # XXXX ) XX/XX/XXXX Toyota Financial states title was sent to attorney. ( It was mailed to his old address. Lawyer states all of my creditors were notified of the chanprge XX/XX/XXXX. 
XX/XX/XXXX : Representative XXXX promises to mail me a lien release document to complete and present to the XXXX to get a duplicate title. 
XX/XX/XXXX : Form not received. According to XXXX the form request was denied by XXXX, who states the attorney must give verbal authorization. I 'm told by XXXX that XXXX does not have a direct line for my attorney to. XXXX had no comment when I asked why authorization was needed now when it was n't initially? But she did tell me he could fax them his authorization to XXXX ( XXXX ) Attorney : XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX XXXX
Product: Checking or savings account

On XX/XX/2024, I used Ally Bank 's eDeposit ( mobile check deposit ) service to deposit a check from the XXXX XXXX for approximately {$8800.00} ( refund relating to an amended return ). I used Ally Bank in this instance solely because it had a higher mobile deposit limit than my primary bank ( XXXX ). 

On XX/XX/2024, I received an email from Ally Bank stating that this money was " subject to an extended hold because some information on the check is not consistent with other information on the check. '' On that same day I called Ally Bank XXXX and spoke with an agent who indicated that this was a routine hold due to the amount of the check ( $ XXXX ) and the source ( XXXXXXXX XXXX  ), and that the money would be available on XX/XX/XXXX, once the routine hold period had ended. 

On XX/XX/2024, I received an email from Ally Bank stating that my account ( and all of my other accounts with Ally ) had been restricted due to " suspicious activity. '' I called the number indicated XXXX and was advised my account was restricted solely because I had deposited a XXXX XXXX  Check and that Ally routinely does that while they are investigating the legitimacy of the check. I was informed that it could take " weeks '' for that investigation to be completed and that in the meantime I would have no access to my accounts. I called the above number twice on XX/XX/XXXX - the first agent was very unhelpful and basically said there was nothing I could do other than to wait until an investigator was assigned to my case. The second agent I spoke with was more compassionate and explained that unfortunately this is the process that anyone who deposits a XXXX XXXX  check with Ally Bank is now subjected to. On both occasions I was able to answer all identity questions relating to my account. 

I understand the need for a temporary hold on the release of funds for a check > {$5000.00} and I have no problem with this. I had accepted that aspect and was anticipating having access to the deposited money on XX/XX/XXXX. My issue is with the blocking and restriction of my account which was done without any legitimate basis and also with the fact I am being forced to wait potentially WEEKS while Ally " investigates '' the legitimacy of a check mailed to me by the IRS. It seems unacceptable to me that a bank can routinely block access to a customer 's banking account - and the associated funds - without any reasonable basis for doing so. Also it seems unacceptable that Ally Bank does not warn the customer at the point of depositing a XXXX XXXX check that a temporarily hold of at least 5 days will automatically be placed on the check and that the account will also be blocked/restricted while an investigator verifies the legitimacy of the check. It is also unacceptable that Ally gives no specific timeframe about how long the investigation could take. 

I am unable to access the account number of the account in question as Ally Bank has restricted my online access to all of my Ally accounts.
Product: Mortgage

On XX/XX/2019 i sold my home. My payments were being auto-deducted from my checking account with XXXX XXXX XXXX. Once the home was sold i called the XXXX customer service dept to stop my automatic payments, i was told not to worry about it that SunTrust Bank ( they held my mortgage ) would reject any future payments. In XX/XX/2019 i noticed that my monthly mortgage payment was still being made. I immediate called XXXX XXXX XXXX to get the payments stopped. After my conversation with the XXXX representative my payments were stopped. At this point i researched my payments and found out ( 7 ) payments had been made & only ( 5 ) have been credited back to my checking account. I then contacted Suntrust Mortgage ( what a nightmare they are ) After numersous, at least 4, calls to their customer service, i was told that they have returned all payments. I have repeatedly told them & emailed them proof from XXXX XXXX XXXX that they have only send back ( 5 ) not ( 7 ). They are blaming XXXX  & the 3rd party vender XXXX, and state they have sent them back, however, they can offer me no proof of this, despite the fact that if have sent them proof from XXXX XXXX, that only ( 5 ) have been sent back, i have sent Suntrust copies of statements that XXXX has provided me, yet they still say its not them, its XXXX, but they wont produce checks are online proof they have refunded them. At this point they still owe me {$2500.00}, and they wont pay me. I dont know what else to do? I hope you can help. Thank you
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

To Whom It May Concern, I am filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) to report what I believe are unethical and unauthorized practices by Bank of America regarding my personal checking account. 

On Tuesday, I discovered my account had a negative balance of - {$47.00}. This account is specifically used for transactions where I transfer funds into it beforehand, ensuring I only spend what is available. I do not maintain a standing balance in this account, nor do I have overdraft protection enabled. 

On Saturday, I noticed that Bank of America made an unexplained adjustment, depositing {$41.00} into the account. I subsequently transferred that amount to my shared account with my husband. Despite this, my account went negative again, without any transactions exceeding the amount I transferred. Additionally, I have observed what appears to be duplicate charges or adjustments to transactions where funds were already deducted at the time of purchase. 

I contacted Bank of America on Tuesday, XX/XX/XXXX, to address this matter but was met with dismissive responses and an inaccurate accusation that I was spending beyond my means. This claim is entirely false, as I carefully manage this account and only spend funds that I transfer in advance. Furthermore, on XX/XX/XXXX, the transaction showing my transfer of {$41.00} into my shared account had already posted, further supporting my point. 

As a XXXX XXXX XXXX, I know firsthand that the holiday season can be a time of stress and sadness for many individuals. It is deeply troubling that Bank of Americas representatives displayed a lack of empathy and understanding, especially during a season that can already be emotionally and financially challenging. Such behavior reflects poorly on the company and underscores the urgent need for better training to ensure customer service agents are equipped to care for and support consumers rather than causing additional harm. 

This experience highlights the importance of treating customers with compassion and respect, as financial issues can significantly impact mental well-being. I hope Bank of America takes this opportunity to reevaluate their practices and prioritize the well-being of their customers. 

These unacceptable practices raise significant concerns about the bank 's ethical standards and compliance with consumer protection laws. If this behavior continues, I will be forced to begin taking screenshots and thoroughly documenting every transaction to track and prove discrepancies. I can also provide screenshots of the transfers from my shared account to my checking account for the amounts that say made my account go negative to prove I only put money in there at the time of the transaction and the money is taken out immediately after. 

I respectfully request that the CFPB investigate this matter to ensure accountability and compliance with consumer protection regulations. 

Thank you for your attention to this issue. Please let me know if further information is needed.
Product: Credit card

They said I was removed as a user and not financially responsible for the account but are tying up my credit by {$23000.00} dollars. Ask them to fix this.
Product: Debt collection

I was told owed money to a hospital but was not informed why I owed this money. They state the debt has been owed since XX/XX/2021 but I need to know what debt they are referring to because I am unaware of any debt that is over a year old.
Product: Credit reporting, credit repair services, or other personal consumer reports

ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX N/A XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I have student loans on my credit report. I received confirmation from Student AidXXXX that my loans have been forgiven under Public Service Loan Forgiveness ; however, the balances are still showing on all 3 of my credit reports. I submitted disputes through each credit reporting agency and the disputes were resolved ; however, the balances have not been removed from my credit reports notwithstanding the fact that I submitted proof of loan forgiveness/discharge. I am not sure if this is an issue with the credit reporting agencies or XXXX as the credit reporting agencies say they spoke to XXXX in resolving the dispute which resulted in no updates to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX # XXXX {$1900.00}. XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  # XXXX. {$890.00} XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX {$430.00} XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX {$15000.00} XX/XX/XXXX XXXX  XXXX # XXXX {$360.00}. XX/XX/XXXX XXXX  XXXX # XXXX. {$94.00}. XX/XX/XXXX XXXX  XXXX # XXXX {$140.00}. XX/XX/XXXX XXXX  XXXX # XXXX {$260.00} XX/XX/XXXX XXXX  XXXX XXXX XXXX {$480.00}. XX/XX/XXXX XXXX  XXXX # XXXX {$59.00}. XX/XX/XXXX XXXX  XXXX # XXXX. {$450.00}. XX/XX/XXXX XXXX XXXX XXXX # XXXX. {$30000.00}. XX/XX/XXXX XXXX XXXX XXXX # XXXX. {$4200.00}. XX/XX/XXXX THE FOLLOWING ACCOUNTS ARE REPORTING INACCURATE TO MY CREDIT REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is about correcting my credit score because of an error made by the bank providing service in delivering monthly statements which caused a delinquency. I disputed the facts and the bank corrected the mistake, but continued to tell me that my score could not be reinstated. It dropped from excellent to fair. 

XXXX XXXX XXXX reported its conclusion and corrected the report, but the score continues to be fair. I'm dissatified with the entire process and are now suffering a lower rating to the point that today XX/XX/2022 I was denied a credit card application.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has not responded to ANY of my disputes under section 609 or 611 Which I sent certified mail.

Equifax is now in direct violation with the FCRA Because I've yet to receive a response.

Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. 

I've attached enclosed letters of my dispute under the FCRA and also a non response to Equifax Via certified SIGNED SIGNATURE. I've yet to receive any correspondence Equifax needs to delete these accounts that are in the attached letters. 

I've also attached a dispute response from XXXX XXXX regarding the " US DEPT OF ED/XXXX '' account seeing how XXXX XXXX could not verify this debt and Equifax has taken well over the required time to respond ... This account needs to be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two collection accounts on my credit report by Portfolio Recovery Associates who claim they are collecting a debt they bought from XXXX. I have not signed a contract or created debt with either company. I have disputed the accounts several times with the companies and with the 3 credit bureaus. The credit bureaus and the company keep sending me what looks like a last statement that barely has anything on it nor does it prove my ownership of the debt. I have continuously requested a a signed contract or agreement between the parties and I and have not received it because it does not exist because I did not create a debt with either of those companies. I have asked the credit bureaus to remove the invalid debt several times but they have refused to. They have also send me investigations far past the 30 days that are required.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on repairing my credit for about six months now. I have been consistently sending letters to Equifax during this time, the first one being sent on XX/XX/2019. I am in the process of trying to get a home for my family and me, and the blatant disregard from Equifax is hindering my efforts. I am trying to better myself and get a better job but Equifax will not respond to my disputes so I'm not even sure if they are following the laws laid out for them. I have attached all of the letters I sent to Equifax below.
Product: Money transfer, virtual currency, or money service

am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected,.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

Rushmore Loan Management services is charging me outrageous fees because I pay my mortgage on the last day of the month close to {$200.00} in fees. These fees should be illegal and they acquired my loan which I did not want. This company should be shut down due to fraudulent practices.
Product: Mortgage

Spoke with my relationship manager and was told to call back XXXX XXXX At XXXX ext XXXX XXXX XXXX. 

When I called using my cell number of record my call continued you say my relationship manager is unavailable. 

The reason for the call was to verify that all of my profit and loss from my self employment income was received. 

Again, I attempted another call today from the same number of record on my file no answer. 

I decided to call from another number and lucky my relationship manager answered the phone. 

I informed my relationship manager XXXX XXXX that I had not be able to reach him from my number of record. 

Immediately, my relationship manager said he is no longer my relationship manager. 

I told my relationship manager he was suppose to advise me my status of documents requested was received. 

He told me I have instructions that I can not talk with you. 

Now, I feel like someone is retaliating against me because of the complaints I have had recently. 

Also, my account has been switched back and forth and two many people keep telling me different stuff.
Product: Mortgage

PNC BANK sent my wife and I mortgage statement dated XX/XX/XXXX, which states we owe them an additional {$100.00} for past fees in XXXX, ten years ago. I spoke with two representatives at PNC BANK on XX/XX/XXXX. Their names were XXXX and XXXX in the XXXX, Florida office. They said that the fees were associated with five faxes at {$20.00} a piece in XXXX. I asked them for information on these faxes : Names, dates, times which PNC representative sent them and to whom these faxes were sent. They did not have information on these charges but will get back with me in 48 hours. XXXX stated they instituted a new PNC system to recoup these fees and threaten me about back loading my loan with this fee and late charges if we do not pay this! 

We have never missed a mortgage payment with this company or any other previous obligations. We feel PNC is trying to extort money from us or foreclose on this residence. 
This is causing great consternation with an institution threatening our well being especially in todays climate.
Product: Credit reporting or other personal consumer reports

There is a XXXX account that doesn't belong to me and they are reporting it to the credit bureaus and I can't attempt to remove it and they didn't remove it
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX/XXXXUnder Dispute XXXX/XXXXUnder Dispute XXXX/XXXXUnder Dispute XXXX XXXX XXXX XXXX.Under Dispute XXXX   XXXX/XXXXUnder Dispute XXXX/XXXXUnder Dispute XXXX XXXXUnder Dispute XXXX XXXXUnder Dispute XXXX XXXX/XXXXUnder Dispute XXXX   XXXX  XXXXUnder Dispute XXXX/XXXX XXXX XXXXUnder Dispute XXXX/XXXX  XXXX XXXXUnder Dispute XXXX XXXX XXXXTXXXXUnder Dispute XXXX/XXXX  by law the bureau can not take more than 30 days FTC law
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 


XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Money transfer, virtual currency, or money service

This started when I called to Citibank on XX/XX/XXXX, and asked if I can transfer money to XXXX. The answer was Yes. I proceeded and submit transfer for {$130.00}. By XX/XX/XXXX I noticed that money did not go to the destination. I called Citibank. They told me they had a question if it is a payment or transfer to private person. I answered that question. Since then passed additional 5 days. Again nothing. I called again. They told me it is under review. I told them just recall the wire, since it looks like it does not not go anyway. They submitted recall on XX/XX/XXXX. Since then I call Citibank every day. Absolutely nothing is happening. Money do not deposited back to my savings account, nor transferred to the destination. Citibank told me their regulations it takes 10 days. This 10 days passed, and Citibank does not return my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report contains a significant number of unauthorized accounts, as well as erroneous reporting of Information on my Credit report. Someone has stolen my identity! As a result, I filed a formal report to the FTC with XXXX XXXX XXXX XXXXXXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Please remove the following items as soon as possible : XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX. XXXX Balance : - XXXXXXXX XXXX XXXXXXXX XXXX Balance : - XXXX XXXXXXXX Balance : {$0.00} Bankruptcy XXXX XXXX-discharged Reference # : XXXX. I have read that as the Credit Reporting Agencies, you are required by law to remove any accounts and information that resulted due to identity theft, so please do so.