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

XX/XX/2021, TD Bank froze my business savings account and has not given me access since. I have prove of e-mails attempting to fix this. I have called customer service countless times and even traveled back to the east cost from the Midwest where my husband was stationed, to fix this issue. I was told it would be resolved and my {XXXX} would be sent to me in a check and my account would be closed. This was XXXX XXXX XXXX Nothing ever happened. I have not had time to go home and fight this again, as I work full time and have XXXX kids. I need this resolved and Im not sure I can afford a lawyer to handle this issue. This is poor unacceptable customer service.
Product: Student loan

My loans were fully forgiven under XXXX in XXXX of 2023. I have all of the documentation and forgiveness letter to confirm this. A few months after being forgiven, I received two checks in the mail, in identical amounts. I found this odd, so I called Mohela, my servicer, and they said they accidentally sent out duplicate refund checks to thousands of PSLF recipients. They told me to keep one check and to return the other, so I did. Then, I noticed a few weeks later my Mohela account, which had been listed as " Forgiven under PSLF '' with NO balance since XXXX, suddenly showed my full loan balance and showed I owed money again. I was absolutely shocked an in hysterics that my loans were somehow reinstated without my permission or even any notice being given to me. This is HIGHLY ILLEGAL. So, I reached out to Mohela for the past several months in an attempt to resolve this issue. I have filed complaints, I have had supervisors " looking into it '' and several different case numbers open. Nothing has been resolved. And, my account went from being XXXXXXXX XXXXt to showing them owing me money to now showing I am in repayment. On XX/XX/2023 I received an email from Mohela saying " congratulations your loans are being forgiven under PSLF '' and that I would be getting a refund in the mail, again, which makes no sense because they were forgiven in XXXX of 2023. Then today I get an email saying I have a payment due in XXXX and my account shows I am in repayment with my original loan balance pre-covid, and no PSLF listed anywhere. I am completely at my wits end and I want my loan closed out completely. I have all documentation to prove this and am so upset I am considering legal aid. Please help resolve this once and for all. I have submitted 18 emails to Mohela and have had hours upon hours of phone calls with no help, no resolve, and I'm afraid my credit will report that this loan that I don't owe is back. I can supply every email I have ever sent Mohela if needed, however they are all readily available on their website as well. Please resolve this as soon as possible.
Product: Credit reporting or other personal consumer reports

Pursuant to 16 CFR 313.7 and 313.10 ( a ), JP MORGAN CHASE BANK is mandated to provide a clear and conspicuous opt-out notice to consumers, explaining their right to opt-out of the disclosure of non-public personal information to nonaffiliated third parties.

The definition provided for " nonaffiliated third party '' is sourced from 16 CFR 313.3. According to this regulation, nonaffiliated third parties include persons who are employed jointly by a company and another entity that IS NOT an affiliate of the company. Based on the provided definition, XXXX, XXXX, and XXXX are considered non-affiliated third parties in the context of consumer credit reporting. 

They ARE NOT affiliates of JP MORGAN CHASE BANK with whom I have a direct relationship. They are separate entities from JP MORGAN CHASE BANK that provides my financial information. They ARE NOT jointly employed by JP MORGAN CHASE BANK with whom I, the consumer, has a direct relationship. 

Therefore, when my financial information is shared with XXXX, XXXX, or XXXX for the purpose of credit reporting, they are considered non-affiliated third parties under this definition. This is why I am opting out of such reporting. Additionally, this opt-out should explicitly encompass my transactions and experiences, refraining from reporting non-public personal information on my credit report. 

According to subsection ( e ), it is mandated that JP MORGAN CHASE BANK complies with my opt-out direction as soon as reasonably practicable upon receipt. Furthermore, subsection ( f ) emphasizes that a I retain the right to exercise the opt-out at any time. 

Crucially, subsection ( g ) specifies the duration and revocability of my opt-out direction. My opt-out direction will remain effective until I revoke it in writing or, if mutually agreed upon, electronically. 

Even after the termination of our relationship, as stated in subsection ( g ) ( 2 ), the opt-out direction continues to apply to nonpublic personal information collected during or related to our specific relationship. 

I bring these provisions to your attention to ensure that our communication aligns with the regulatory framework outlined in 16 CFR 313.7. 

The request the account in question to promptly reflect positive status, ensuring no balances indicating account utilization. These reported details contravene our opt-out request, which prohibits the reporting of my transactions and experiences. It is crucial the account portrays a positive status in alignment with my request. 

I emphasize that any opt-out clauses established by JP MORGAN CHASE BANK do not supersede the provisions set forth by United States Code ( USC ) or Code of Federal Regulations ( CFR ). Regardless of JP MORGAN CHASE BANK internal policies, the rights granted by federal laws take precedence. 

This ensures that my rights as a consumer, as granted by federal regulations, are protected and upheld.
Product: Credit reporting or other personal consumer reports

The following companies made unlawful requests on my personal credit report, and I am writing to let you know about them. Below are the company names along with the dates that I received the inquires. 

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

My identity was compromised and these inquires were not authorized by me. According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to repost information on my credit report without my permission. Please remove this item from my credit report. 

XXXX ( Finance ) XX/XX/scrub>XXXX XXXX XXXX ( Finance ) XX/XX/scrub>XXXX XXXX ( Finance ) XX/XX/scrub>XXXX XXXX XXXXXXXX ( Bank ) XX/XX/scrub>XXXX XXXX ( Finance ) XX/XX/scrub>XXXX XXXX ( Bank ) XX/XX/year> XXXX XXXX  ( Auto ) XX/XX/year>
Product: Credit reporting

Federal Tax Lien has been released, but has not been reported on my credit report
Product: Checking or savings account

Huntington Bank ( XXXX branch ) refused all efforts to withdraw funds as directed. I lost the purchase of property located in Texas. 

This bank ca n't account correctly. Essentially they stole thousands of dollars from me!
Product: Payday loan, title loan, or personal loan

I just received notice that a hard inquiry was made on my credit by Tower Loan in XXXX without my approval.
Product: Credit card

I have a XXXX card run by Synchrony bank. This card is used for promotional musical purchases advertised as paying zero interest over promotional periods. I currently have three promotional purchases on my account... two of them are 2-year promotions and the other is a 4-year promotion. The advertised price and fine print clearly stated that there would be no interest charged over the duration of these purchases as long as all payments are made on time and balances are paid off in full before the promotional purchase deadline. Synchrony sent out emails that changes are being made on statements. I read the statement today to learn that " some '' promotional purchases longer than 18 months ( which includes all three of mine ) will now be charged a 2 % monthly fee. They clearly stated that this is retroactive and will affect existing promotional purchases and will go into effect XX/XX/year>. I believe there is a way to opt out or " reject '' this, but opting out will result in inability to engage in promotional purchases in the future. I am considering opting out. However, I do not wish to punish XXXX, an incredible company with excellent customer service, for the unethical behavior of Synchrony. I am guessing this is also a contract violation and could result in a class action lawsuit against Synchrony. If that is the case, I wish to be a part of this lawsuit.
Product: Mortgage

I have been investigating purchasing a new place in XXXX XXXX ( having moved here in the last year ). A friend suggested working with Landed.com. They say they want to help essential workers such as teachers, medical professionals, and first responders to buy houses in higher end neighborhoods. When I started talking with them red flags started going up for me. The regular mortgage seems straightforward but the down payment assistance seems to be the idea that is TERRIBLE for the home owner. They said they will provide up to 10 % of the down payment up to {$80000.00}. Once you purchase your new house there are no payments needed until you refinance or sell ( red flag # 1 ). When you do refinance or sell you owe them the original loan amount PLUS 25 % of any increase ( or decrease - red flag # 2 & # 3 ) in value of the property. Red flag # 2 on this one was the decrease idea. They have to approve of the area in which you buy therefore they can make sure that you buy in an area where property values are almost guaranteed to go up quickly. Red flag # XXXX was the percentage. I have already purchased a property in XXXX and seen the results of simply living my condo and making sure the property is maintained. I purchased it at {$150000.00}. 20 years later I'm looking to sell it at somewhere around {$440000.00}. If I had used them to provide 10 % of a down payment at that time they would have provided {$15000.00}. The increase in value would have been about {$300000.00} and 25 % of {$300000.00}. So I would have had to pay them {$75000.00} on a {$15000.00} loan. 

When I queried Landed.com about how this is a good deal they responded by emphasizing what the home owner keeps rather than how much money they walk away with. Here is a excerpt from an email they sent me : " For example, if a homebuyer bought an {$800000.00} home, and Landed contributed {$80000.00}, the home 's value at the time of ending the partnership would need to be {>= $1,000,000}. In that case, the homebuyer would buy out the investment by paying the XXXX fund {$400000.00} ( the original {$80000.00} + 25 % of the {>= $1,000,000} change in value ), but the homebuyer would keep their original {$80000.00} + the other 75 % of the {>= $1,000,000} change in value, so in this case, the homebuyer would walk away with {>= $1,000,000}, plus the equity built up by paying down the mortgage over time. '' This struck me as that classic grocery store receipt that says " You saved {$5.00}. '' When the reality is you spent {$55.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.

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
Product: Bank account or service

My spouse & i have banked with Wells Fargo for years, I wanted to deposit XXXX into our checking account, they ran the money through their machine and the branch manager said a XXXX bill was counterfeit. I then took my sharpie money marker and made a yellowish green mark on the bill to prove to him that it was good. He said to me "no that is counterfeit & i can't allow you to leave here with it, I insisted on a copy of it front & back, He gave me a copy of it and put the bill in his pocket of his suit. I told him we got the money from this bank, he argued that i did not. I told him that we always cash checks here & have for 25+ years. I ask him a question, "what kind of bill would i have had to cash to get back a XXXX bill ?" He replied "It didn't come from this bank:. God knows as well as we do that that bill came from that bank. I have my copy of the bill with the serial number's on it clear as water. Even though we got a checking, saving's, XXXX & an IRA with this bank and all of the tellers know us very well, The branch manager kept the money and did not once offer to re-place it. This particular bill most definitely came from Wells Fargo Bank. I have tried to get help with this & it seems it does not matter to anyone. I am considering not only changing everything to a different bank but also hire a lawyer and see what can be done about this, Just to prove to the branch manager that this bill was a good bill and definitely NOT counterfeit. I am contacting the XXXX and filing a complaint there as well. This is not right, Nor is it fair........In my opinion he just made himself a free XXXX dollars. We are very upset about this & i will not stop until justice is served. No matter what it cost me out of my pocket just to prove to him that i am right. He took our money & thinks he is going to get away with it, But he is not !!!! My opinion would be for people to beware if you are banking at Wells Fargo Bank....
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report. 

XXXX XXXXXXXX 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: Checking or savings account

I was charged {$99.00} a month from credit repair company that I have no knowledge of. Apparently this has been going on since XXXX. I reached out to the company and theres no one that you can talk to its a robotic recording so I called navy federal, reported it, and they issued me a provisional credit for XXXX payments. Then navy federal turned around and reversed the payments and only credited XXXX payments. They said that I was responsible for checking my account and they cant do anything past 60 days. My issue is that Ive been a victim of theft while my money was supposed to be secure in navy federal credit union. I live in XXXX  and in XXXX someone was able to walk into a navy federal branch in XXXX  and withdraw {$3000.00} from the teller. I did receive my money back however since then Ive had to replace numerous debit and credit cards. Even today after reviewing another navy federal credit card of mine I saw another set of monthly unauthorized charges that started in XXXX around the same time as the incident that occurred in the XXXX  branch. The person that I spoke with started an investigation. Navy federal has a policy that anything further than 60 days is the consumers responsibility but who is holding them accountable when the consumers accounts are compromised repeatedly. I want my {$500.00} that they took back.
Product: Debt collection

Calls after told to stop 2 years now I get auto calls.
Product: Checking or savings account

In the last 24 hours Citizens Bank has refused 3 separate payments of {$2500.00} from 3 different law firm clients via XXXX, killing our business and jeopardizing our clients legal cases. 

When we call or email them they either dont answer or say its our clients bank or XXXX fault. 

Whats going on here?
Product: Checking or savings account

Bank of America is closing the site where I have my safe deposit box on XX/XX/XXXX. I called to make an appointment but was told I have to come into a service center to make an appointment in order to close out my safe deposit box. During the pandemic I have limited my contact with everyone and I only want to make one trip to the bank, I was on the phone with Bank of America customer service rep on XX/XX/22 for 1 hour and 40 minutes and they could not resolve this issue, I only want to make an appointment and not expose myself or my husband, Going to the bank twice, once to make an appointment and once to close the box would require me to ask for transportation twice and this is a hardship for us as well as an added financial drain. The only resolution that Bank of America would offer was a mailing address to file a complaint. Since the bank is closing the physical location on XX/XX/XXXX, this needs immediate action. can you please offer some guidance?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored in regards to my disputes. Section 611 ( a ) states plainly that a failure to investigate these items within 30 days gives a to immediately remove those items from my credit report. It has been past this time frame so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress I am being caused. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Product: Credit card

On XX/XX/XXXX someone got access to my bank of America app online and made a XXXX payment from my checking acct. I don't have XXXX in my checking so it made me negative. I called my bank and got ot taken care of and all.pf a.sudden bank of America my credit card closed my account without telling me. And then my XXXX and XXXX XXXX was closed because of the fraudulent activity. It was fraudulent not my fault that's why I reported it and all of a.sudden they just start closing all my accounts and my credit score is hitting g rock bottom
Product: Credit reporting, credit repair services, 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. 

Account name : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX 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 adverse item of information, other than records of convictions of crimes which 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.
Product: Debt collection

Contract with TITLEMAX loan {$1700.00}. On XXXX. Was called by co. Employee on due date. ( loan due XXXX of month ) arranged to pay it off on the third or start making payments. Agreed loan made in XXXX Va. Manager said dont come here use the portal ( im nc resident, make payment via portal. Employee called me Friday nite of the third at XXXX XXXX  I was told they closed at XXXX " youare late on your first payment! Mam nothing would let me talk finally I said arranged to pay off on the third. I have here you were coming in office today at XXXX : XXXX  no mam I am paying on line not late due date has no grasp period but late payment fee assessment 6 days later meant contradiction in terms still not late by that contractual admission. She would not let up guests at dinner phone on speaker I was setting the table they heard it all. I said don't call me again this is not past due until after XXXX  and not then dont call me anymore! Hung up I have voice mail she called me back saying she apologized for the lost connection knew full well what happened I did not return her message. Complained to co name of employee sent letter scared they are coming after my car? Got letter from home office in XXXX GA. Lady threatened to take my car said she had my letter made no reference to it said me arrange to make payments XX/XX/XXXX in XXXX or she was going to get my car! Signed her name as a Legal Analist. I think Attorney said she was collecting or repose my car. I dont know where to pay who to pay or if she is a Attorney or clerk making these submissions. Afraid I am XXXX year old XXXX  adult. Please help me.
Product: Debt collection

XX/XX/2020 I spoke to USAA rep XXXX. REQUEST TO REMOVE XXXX   XXXX XXXX  PAYMENT INFORMATION. OFF MY PROFILE. AS I WILL * NOT BE PAYING ON THIS ID THEFT. USAA PROCESSED A PAYMENT FOR ID THEFT * STEALING MY SOCIAL SECURITY FOR NEXT THREE MONTHS * LEAVING ME WITH OVERDRAFT FEES XXXX  XXXX. ( I DEMAND USAA PROVIDE WRITTEN DOCUMENTATION THIS PAYMENT WAS AUTHORIZED BY ME FROM MY IP ADDRESS. ) I DEMAND USAAs claim BE PROVEN. ** I DID NOT AUTHORIZE THIS PAYMENT. I HAD NO FOOD OR RENT MONEY
Product: Debt collection

This company is reporting an alleged debt that is past the statute of limitations for my state of alabama. I disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. 
You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
Product: Vehicle loan or lease

Nissan motor acceptance corporation informed me that my vehicle was repossessed on XX/XX/XXXX my vehicle was inside a gated parking lot that only in supposed to let anyone in. But I received a letter from XXXX police dept that my car was stolen and found in XXXX XXXX Florida on XX/XX/XXXX. So either Nissan was lieing ti me or my device is being hacked again and Im getting false information from someone impersonating NMAC. But this has cause me to miss a lot of appointments and important matters. Also on my credit report it says vehicle was registered in XXXX on XX/XX/XXXX