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

It is now approximately 2 months since my checking account was closed due in fact from Chase Bank failing me and my account being compromised. 
My account was frozen and closed with a balance of {$3000.00}. And received a letter that I should receive the balance in a check via mail. I come to find that I only received one check in the amount of {$1800.00}. After several weeks believing that perhaps I would receive another separate check. After contacting the bank regarding the remainder of the balance I come to find that the bank has placed the other check on hold in the amount of {$1200.00}. I have exhausted all attempts to retrieve my money. It is now 2 months! I will seek legal alternatives in this matter if I do not retrieve these funds.
Product: Debt collection

Upon trying to get XXXXXXXX XXXX cellular phone service I was informed by one of the representatives that I had accounts open in my name that I did not authorize or know anything about for over a XXXX dollars. The fraud prevention specialists then inform me to make out a police report and provide proof of my address and identification and send back to XXXX XXXX. Upon doing that I looked on my credit report and notice all types of inquirys and accounts in my name that I didnt authorize or know anything about. Someone run my credit for a car loan and put more then ten inquirys on my credit. Also I have inquirys for XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX Also a account for XXXX, LVNV FUNDING LLC XXXX and XXXX XXXX that i did not authorize.
Product: Credit reporting

I asked numerous times to have this removed. It should have been removed last year.
Product: Checking or savings account

I have previous open a complaint against TD BAnk concerning NSF Fees while that complaint was completed and close. I notice the documetation that the TD bank Rep added to the complaint had collection companies on them stateing that they sent account to those collection companies to collect the Debt.After doing more research i found out TD Bank reported My information to XXXX XXXX XXXX. The accounts that the letter from TD Bank have shows the amount of XXXX {$590.00}. The Amount that the XXXX XXXX XXXX Credit report has from TD Bank is {$5100.00} that has a difference of {$3500.00}. Td Bank has violated my Privacy ACt 1974, FCRA and XXXX XXXX XXXX XXXX XXXX Pursuant to Fair Credit Act section 15 U.S.0 1681 ( a ) ( 4 ) '' Infringed Upon a Consumer 's right to Privacy '' section 611. Procedure in case of Disputed accuracy [ 15 U.S.C. 1681 ] Section 5, 15 U.S.0 1681b-Permissible Purposes of Consumer reports. There was no order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with the proceedings before a XXXX XXXX XXXX ' or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. In accordance with the written instructions of the consumer to whom it relates Also under the XXXX XXXX XXXX XXXX Privacy Rule it states that The Privacy Rule protects a consumer 's " nonpublic personal information '' ( XXXX ). XXXX is any " personally identifiable financial information '' that a financial institution collects about an individual in connection with providing a financial product or service, unless that information is otherwise " publicly available. '' XXXX is : any information an individual gives you to get a financial product or service ( for example, name, address, income, Social Security number, or other information on an application ) ; any information you get about an individual from a transaction involving your financial product ( s ) or service ( s ) ( for example, the fact that an individual is your consumer or customer, account numbers, payment history, loan or deposit balances, and credit or debit card purchases ) ; or any information you get about an individual in connection with providing a financial product or service ( for example, information from court records or from a consumer report ). 

And on the Early warning Report it has my personal information and the Collection Companies has my personal information as well. 

I have also attached the documentation. 
This has caused alot of pain and aggrevation.
Product: Debt collection

I sent them a cease and desist letter which they confirmed that they received in XXXX but they still contacted me after receiving the letter by emailing me on XX/XX/XXXX which is a FDCPA violation.
Product: Credit card

On or about XX/XX/year>, adverse action was taken against my account with XXXX XXXX XXXX, administered by Citibank. This account has multiple unresolved issues that remain unaddressed due to a lack of responsiveness from both parties. The account reflects an interest rate of 30.24 %, which is usurious under applicable state and federal regulations. Despite repeated attempts to obtain clarification on this rate, neither XXXX XXXX nor Citibank has provided a response or explanation. Additionally, the account has been closed, but Citibank continues to report it as open. This inaccurate reporting violates the Fair Credit Reporting Act ( FCRA ) and negatively impacts my creditworthiness. Even though the account is closed, {$41.00} late payment fees have been assessed for non-existent obligations. These fees are improper and unjustified. XXXX XXXX and Citibank have provided no rationale for these charges, further compounding the harm caused. XXXX XXXX and Citibank have failed to provide any means to resolve these issues. Calls to both entities are redirected without resolution, and no intermediary or customer service line is available to address the adverse actions taken, the inaccuracies in reporting, or the improper fees. This complete lack of responsiveness violates consumer protection standards and demonstrates a failure to meet basic obligations to customers. These issues, including the usurious interest rate, inaccurate credit reporting, improper fees, and lack of responsiveness, require immediate attention. I request the Consumer Financial Protection Bureau to enforce compliance with consumer protection laws, correct the credit reporting errors, refund the improper fees, and investigate the legality of the interest rate charged. Furthermore, I ask the CFPB to hold XXXX XXXX and Citibank accountable for their failure to address these matters.
Product: Student loan

I have been making my payments since XXXX. 

None of my payments have been applied to my principal balance, and I had no idea. 

I once paid a lump sum of {$10000.00} towards my loan and that is the only time money went towards my principal. 

So they let people pay in a lesser amount than the interest builds up, and they FORCE you to pay your interest BEFORE you can pay your principal, so you end up just paying your interest over and over without any money going towards your principal. 

I wanted to put money directly towards my principal and they don't allow it until the interest has been paid off. 

It's ridiculous- payers should be allowed to put money towards their principal balance or the interest will remain uncontrollable for them. 

I can't believe this is a federal loan processor. Full on loan shark. 

Here is the description directly from their website : " Can I have my payment applied to interest or principal only? 

No. When a portion of a payment is allocated to a specific loan group, payments are applied to individual loans proportionally to fees first ( if applicable ) *, then to interest, and then to principal. If you are on an Income-Based Repayment ( IBR ) Plan, payments are applied to interest, then to fees ( if applicable ) *, and then to principal. '' Here 's the problem- they make it so you never fully pay off your interest, so the payments ALWAYS go towards interest and NEVER go towards principal.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the information regarding the account XXXX XXXX XXXX on my credit report, which I believe is inaccurate. This account is currently listed as charged off, but the reporting contains discrepancies that require immediate attention and correction. 

The original issue arose when I purchased a TV that stopped working, and upon receiving a replacement, it was stolen in transit. I filed a police report and reported the incident to the company, but no resolution was provided. 

Despite these circumstances, the account has been reported as a charge-off with continuous inaccuracies in its reporting details. I request that you : Conduct a thorough reinvestigation of the information related to this account in accordance with the Fair Credit Reporting Act ( FCRA ) under 15 U.S. Code 1681i.

Provide me with the procedure used to verify this account as per my rights under the FCRA, including the names and contact information of those you contacted for verification. 

Remove or correct the inaccurate information if the investigation can not substantiate the current reporting.

This ongoing inaccurate reporting has significantly impacted my credit score and financial opportunities. I expect your prompt response and resolution of this matter, including an updated credit report reflecting the corrections. 

Thank you for your immediate attention to this matter.
Product: Money transfer, virtual currency, or money service

On XX/XX/22, I received a text message from what I thought was my bank, Chase, asking me if I am trying to send a wire transfer andto confirm Y or N. I replied N and received another text back that no further action is required. I then noticed a missed call from Chase Bank and tried calling them back. As I was in the process of doing so, I received an incoming call from a person who identifiedthemself as XXXX XXXX from the Chase Wire Fraud Department Badge # XXXX. He advised me that someone named XXXX from XXXX, PA was attempting to wire {$9800.00} from my checking account to his. I explained to " XXXX XXXX '' that I don'tknow this person and I am NOT wiring anyone any money. I have never done so in my life. I was then advised that the wire transferwas in process but did not go thru as it was being reversed by " XXXX XXXX ''. He provided me with a reversal code ( XXXX ) .He also advised me that this reversal has been expedited & the funds will reappear in my account within the next business day. In themeantime, I was advised not to view my account or use my app as this can " compromise '' Chase 's investigation on trying to find outhow this XXXX XXXX could have gotten my information. I was provided a case # XXXX. On XX/XX/22 at XXXX, XXXX XXXX called me again and said that due to it being XXXX XXXX XXXX and the banks are closed, my funds are taking a little longer than expected to be back in my account but he said, " Not to worry, maa'am. As I said, I have expedited this request ''. I was then advised that I will be receiving another call tomorrow, XX/XX/22, from another Chase representative of the Wire Fraud Department between XXXX & XXXX. Needless to say, the call never came through. I went to the bank immediately and that is when I realized I was a victim of a scam/fraud. Please know that this " XXXX XXXX '' knew all of my information, including my name & last 4digits of my checking account #. Chase has been of very little help and seems to just be sweeping this whole ordeal under the rug, stating that I am at fault and I am the one that initiated this wire transfer.
Product: Checking or savings account

I opened a checking account with Citibank on XX/XX/22. I used to account for shopping and to pay bills and rent, never overdrawing, bouncing a check or having a check returned. I went to use my card on XX/XX/22 and the transaction was declined. Without warning or any kind of reason, Citibank closed my account and is now holding my remaining balance of {$1500.00}. Im unable to pay bills or rent and their customer service has no answers and Ive been hung up on more times than I can count. I want my funds returned ASAP
Product: Credit reporting or other personal consumer reports

XXXX is reporting false public record on my report i spoke with the courts that they say it was filed in and they told me they don't send information to any reporting agency 's
Product: Credit reporting or other personal consumer reports

As of XX/XX/2024 Federal Student Aid is reporting an incorrect debt with the XXXX XXXX XXXX XXXX in the amount of {$13000.00}. I have spoken on the phone with both parties multiple times in XX/XX/2024. XXXX is reporting that I owe {$6000.00} and that has not changed in the past 90 days. Loans XXXXXXXX XXXX XXXX  XXXX are closed. I can not get a mortgage because of this error.
Product: Mortgage

I sold our home had a buyer Citimorgage could not get the amt of pay off correct I got an extension from my buyer they still could not come up with the correct amt even after I sent them copies of there paperwork, I was in chapter XXXX I went to the trustee and he release the house for me to sell in again then Citi sep in and foreclosed, i got an attorney to ask for them to give me 90 days to resell the house my broker sold it the first time in less than 20 showing and we had people still interested they said no and that was as far as I could get because I ran out of money for an attorney.went to court had n agreement which they have not kept and I have to be out XXXX XXXX my husband is XXXX and I am over XXXX I do n't know wwhat else to do then at the foreclose sales the number they had was different than they gave me and sold it for more.
Product: Credit reporting, credit repair services, or other personal consumer reports

this account XXXX XXXX XXXX is ran as a charge off an IRS DEFINES A CHARGE OFF AS GROSS OR INCOME DOES NOT GET REPORTED ON CONSUMER REPORT AND I NEVER RECEIVED ANY OF THE 1099 Cancellation Of Dede From. This Account is is Inaccurate And Has To Be Removed.
Product: Credit reporting

I had a XXXX XXXX and was billed for an amount of {$300.00} after my insurance deduction. I was unable to pay this amount to the original creditor ( XXXX XXXX XXXX ) and therefore was sent to collection. In XXXX XXXX, I paid off this amount to the collection Agency ( Horizon Financial ) through my bank, XXXX XXXX XXXX XXXX, and I requested my husband to follow up with the collection Agency to make sure they take away the derogatory remarks on my credit report and close the account. He spoke with a lady called XXXX at Horizon Financial who assured us that this will be done. 
However, 8months down the line, the negative reporting is still on my credit report and when my husband called on XXXX XXXX, XXXX at XXXX ET, he spoke with the same XXXX who says that, although the account has been paid, the derogatory remarks will still be there. Also, the account remained opened on my XXXX credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had some false information on my credit report and had submitted it on XX/XX/2021 and a follow back letter was sent XX/XX/XXXX and I still haven't received a response for why these inquires are on my credit report and according to the CFPB a credit consumer agency has 45 days to investigate or all of the negative and false items must be removed from the credit report.
Product: Checking or savings account

Ive been a member since XXXX  and have been charged overdraft fees. Over {$2000.00} in overdraft fees which made me have late fees and return checks and payments due to insufficient funds.
Product: Debt collection

ATTENTION TO CREDIT ACCEPTANCE CORPORATION! PLEASE READ AND UNDERSTAND THIS MESSAGE AND ITS ENTIRETY. I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$830.00} does not belong to me. This account was fraudulently opened through this company CREDIT ACCEPTANCE CORPORATION in XXXX of 2016 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF LOAN ) In I have submitted all of my personal information needed to resolve this  matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.
Product: Debt collection

In approximately XXXX I accrued a debt issued from XXXX. I had received information at around XXXX through a third party XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX ). I had settled with them XXXX XXXX account XXXX XXXX XXXX XXXX on XXXX, where it was established that this account was removed from my credit reports with the three majors. The original debt was not removed. It was then sent to ERC XXXX XXXX XXXX XXXX, FL XXXX and once again paid in full on XXXX with confirmation on XXXX. It still remained on my credit reports, this time through ERC. Then of XXXX XXXX I had seen a reduction in my credit score once again associated with ERC and XXXX. I once again settled and resolved. No removal was issued, no refund because the account was already settled with XXXX XXXX Services, and still this account is reflecting negatively on my report. Account reference numbers for ERC are XXXX. The account was paid the third time with ERC on XXXX XXXX. Once again, this still stands on all three major credit reports of mine through XXXX and ERC, after already being resolved yet never removed through XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I mailed a dispute to TransUnion along with my drivers license and social security card and asked for them to update my name on my file to my legal name of XXXX XXXX. They still did not do so. Instead said it was a suspicious request. Its not suspicious its my legal name!
Product: Credit reporting or other personal consumer reports

Experian, XXXX, and XXXX have failed to fulfill its legal obligation under the FCRA to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or incomplete items unresolved. The consumer financial protection bureau has recently filed a lawsuit against experian alleging systemic issues such as failing to adequately notify consumers of disputed information outcomes. These failure align with my experience where these bereaus have neither corrected nor removed disputed items despite the evidence I provided causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as the inactions violate the federal law and my rights. Please remove the below accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 redre
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit profile, I noticed there are several inaccurate listings. These accounts are very error in reporting. The following accounts, therefore, need to be investigated immediately to publish my correct credit record : XXXX : XXXX XXXX XXXX Balance Owed : {$7700.00} XXXXXXXX XXXX XXXX Balance Owed : {$4900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$7500.00} XXXXXXXX XXXX  XXXX Balance Owed : {$4700.00} XXXX XXXX XXXX XXXX XXXXXXXX : XXXX XXXX XXXX Balance Owed : {$7700.00} XXXX XXXX  XXXX Balance Owed : {$4900.00}
Product: Debt collection

Debt collections services from Portfolio Recovery Services are constantly calling my phone number, which I have not given to anyone. They refuse to disclose who they are trying to contact ( when I return their call ), demanding I first answer their questions ( which I refuse to be compelled to do - as I see it as assisting them and acknowledgement of their illicit tactics ). I have explained that I alone live at this address, and that I have NO outstanding accounts ( my credit score is mid XXXX 's ). I presume that they have linked this phone number to this address and are seeking someone who lived here in the past. In principal, I DO NOT give out information to unsolicited callers, especially those who, in essence, are holding me hostage with harassing phone calls as a means of generating income by collecting past due debt. As I pay my bills in a timely fashion and maintain good credit of my own, I feel especially violated. I 've repeatedly asked/demanded that they stop calling. They refuse to allow me to record the calls, aware that I intend to take legal action. In truth, I prefer that their tactics be exposed and they incur whatever fines they merit.
Product: Checking or savings account

My checking and savings as well as my credit card account at Bank of America were all arbitrarily closed without providing me the reason for such closure, except it was explained that it was in their right to close those accounts. Dates of closure notice were given on XX/XX/2023. 

It is extremely unfair and presumptuous on part of BoA to close my accounts and I would like my accounts to be reinstated as there is no good reasson to close them when I have a good credit score, pay my credit cards on time and maintain the monthly limit on those accounts.