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

I am writing to file a formal complaint against Citizens Access Bank, an online banking institution where I hold a high-yield savings account. This complaint concerns an unexplained and unjust freezing of my account, the subsequent blocking of debits including critical transactions, and a lack of transparent communication from the bank 's representatives and fraud department. 

On XX/XX/XXXX, I initiated a transfer of {$1000.00} from my Citizens Access account to cover my share of the rent. Hours after initiating this transfer, I received an email from Citizens Access informing me that my debits had been blocked. Upon contacting customer service, I was initially informed that the blockage was due to routine maintenance and that additional information was required to restore my account to normal status. I was assured that the issue would be resolved within XXXX hours. 

Contrary to this assurance, when I contacted the bank on the following day for confirmation, I was informed that my account was under review, and no further information could be provided. I was also informed, for the first time, that my account had been completely frozen, resulting in the return of my direct deposit to my employer. The lack of clear communication continued, with representatives and supervisors stating they were unable to discuss the matter. Furthermore, the fraud department has refused to engage with me directly to clarify the reasons behind the account freeze. 

This situation has left me without access to my funds, with no explanation or justification provided by Citizens Access Bank. The inability to access one 's own money, especially without a valid reason, is distressing and, to my understanding, may contravene banking regulations and consumer rights.

I trusted Citizens Access Bank as a reliable institution for managing my savings and transactions. However, this incident has significantly undermined my confidence in the bank 's operations and its regard for customer well-being and legal rights. Holding a customer 's funds without clear cause or communication is unacceptable. 

I hereby request a thorough investigation into this matter and an immediate resolution that includes unfreezing my account and a detailed explanation of the bank 's actions. I also seek assurance that measures will be taken to prevent such incidents in the future, ensuring that other customers do not face similar undue hardship. 

Thank you for your attention to this urgent matter. I am prepared to provide any further information required as part of your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. I previously disputed this account on my credit report on XX/XX/XXXX, as a result the company XXXX XXXX responded with a judgement by confession, and not the documentation required. 

2. Although the company did not produce the proper FCRA validation documents to validate the account CFPB still closed the the complaint. 

3. On XX/XX/XXXX I received an email from XXXX XXXX, with the judgment of confession paperwork and a narrative stating that they had communicated with me before about this account and that I did know about the account. ( email and time stamp attached ). 

4. I immediately on XX/XX/XXXX responded to Ms XXXX XXXX email and explained that I was not disputing having knowledge of the account, but that I was instead asking for validation of the accurate information involving the account. ( Email and Time stamp are attached ) Email read : On Wed, XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX wrote : MrXXXX XXXX, ( XXXX XXXX XXXX ) We have received your attempt to again try to dispute or claim you have no knowledge of this debt. 

( XXXX XXXX ) Dispute was that the information you are reporting on my credit report is incorrect. I did not dispute not having knowledge of account. 
You again have not responded to my request for information on : WHY DOES THE DATE OF LAST ACTIVITY KEEP CHANGING EVERY MONTH? WHY ARE YOU RE-AGING THIS ACCOUNT? 

( Ms XXXX XXXX ) This judgment has been sent to you many times. 

( XXXX XXXX ) What is the statute of Limitations for the confession of Judgement? 

The judgement you sent has a different name on the account, please send me the following : 1. The original contract? 
2. Your authorization to collect on behalf of the entity listed in the document you sent in the state of Arizona? 
3. Account information showing the correct Balance? 


( XXXX XXXX XXXX ) You have spoken to 3 different people here and always seem to go back into your hole once we reach out. 

( XXXX XXXX ) I hope that isn't a XXXX reference, very disappointing ... ... 

( XXXX XXXX ) If you want to resolve this and get it off your credit, then please reach out. Otherwise, please stop trying to dispute something that you are well aware that you owe. 

( XXXX XXXX ) I intend to resolve this matter, please provide the information requested. 

5. I have not heard back from XXXX XXXX since I emailed them on XX/XX/XXXX. 
Today is XX/XX/XXXX. XXXX which is over the 30 day response time and being that the correspondence was over email THEY RECEIVED MY REQUEST! 

6. This company : -Has not responded in the 30 day window -Has not provided account validation information I ave requested
Product: Credit reporting or other personal consumer reports

I filed a dispute with Experian due to Identity theft, shared information with 3rd parties, etc. I filed the report both with Experian and CFPB ( XXXX ). I now see that they stated that they sent a conclusion statement to me but I never received such a letter. 
I feel this dispute was improperly investigated. Experian failed to remove errors. 
I supplied adequate documents, including a police report. At the time of the dispute I was a prime level PAYING member of experian and could not get help on the phone nor by mail. Experian has violated my civil rights and that of a consumer of their services. 
I am requesting that they make restitution and repairs to my report.
Product: Mortgage

My mortgage company, Caliber Home Loans , Inc., has given me a difficult time about paying my local fire district taxes even though a portion of my mortgage payment is collected by them to pay those taxes. I 've had to spend considerable time to get these taxes paid XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The taxes are due on XXXX XXXX. In XXXX XXXX, I received a phone call from Caliber informing me that they would pay my taxes. Today, XX/XX/XXXX, I received a letter from the fire district indicating that the taxes have not been paid and that the account would soon be going to a collection agency. Caliber has been collecting money from me under false pretenses and is going to ruin my credit. This company needs to be held accountable for their actions.
Product: Debt collection

XXXX XXXX contracts multiple family members not listed as references about a debt owed. Violating the FCPA because they knew my obsessing number and address, as I had talked to them just days before they contacted my relatives. they stated the reason they did so was because my voicemail inbox was full.
Product: Credit reporting or other personal consumer reports

I am writing to request a reinvestigation of the information contained in my credit report in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and wish to ensure that all the information is 100 % correct and accurate. 

Below are the accounts I am requesting to be reinvestigated : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name ; XXXX Account XXXX ACCOUNT NAME : XXXX ACCOUNT XXXX Account Name : XXXX XXXX Account Number : XXXX ACCOUNT NAME : XXXX ACCOUNT XXXX
Product: Credit card

In XX/XX/2016 I received a notice of an on-line payment of over $ XXXX to my credit card from BOA from an account at XXXX . I do n't have an account at XXXX. I contacted BOA to let them know that it was not my payment. This was the start of the nightmare. I have attached a timeline of what happened after that. But, money kept coming in and I kept telling the bank it was not from me. Then at some point BOA decided I had too high of a credit balance and sent money back to XXXX to a different account from where it originated. I have spent maybe close to 60 hours on the phone with BOA over the four months to get no resolution. I get transferred from department to department. Even supervisors are not able to resolve it and now apparently there is some mystery department called the " Middle Office '' ( Payment Research ) but customers are not allowed to talk to them and I am yet to get this resolved. Now BOA says I owe them {$6100.00} but I owe them nothing. They allowed money to come in and sent money back out and they created ( or the fraud did ) this balance. I owe them nothing. I have an excellent credit history. I am so exasperated and now my credit is at risk because BOA staff is not skilled or authorized to resolve this issue. I think it is very unfair that I am going to have to hire an attorney to defend me for something I did n't do and given that BOA is the black hole the hiring of an attorney could be a significant expense. I would appreciate any assistance in making my way through this morass. You can contact me at this e mail address to obtain more information related to my credit card account. I am attaching a timeline to give you an idea of what I have been through to date.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 1st 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 alleged fraud or extortion. 
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  Balance : {$1100.00} XXXX XXXXXXXX Balance : {$1800.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$250.00} XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXXXXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$650.00} ( Original Creditor : ) XXXX Balance : {$2200.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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

On XX/XX/XXXX I sent a letter to XXXX, Transunion XXXX XXXX requesting that they verify the accuracy of an account reporting on my credit reports- XXXX XXXX . I have attached said letter. I sent this letter because I checked my credit reports and noticed that the account in question had different information across all three bureaus and I know that it is the credit bureaus responsibility to ensure that creditors are reporting accurately. I received a response to my letter from XXXX on XX/XX/XXXX. It stated " The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' On XX/XX/XXXX XXXX sent me a notification stating they completed the dispute with no changes made to my credit report. Transunion responded last on XX/XX/XXXX claiming to have verified and updated the account information ( which I've also attached ). As of XX/XX/XXXX my XXXX credit report has XXXX XXXX reported as 30 days late in XX/XX/XXXX and 30 days late in XX/XX/XXXX. My Transunion credit report has XXXX XXXX reported as 30 days late in XX/XX/XXXX and 30 days late in XX/XX/XXXX. My XXXX credit report has XXXX XXXX reported as 60 days in XX/XX/XXXX and 60 days late in XX/XX/XXXX. I have attached screenshots for each of these instances. All 3 credit bureaus still have different information and it is negatively affecting my credit score. The only thing we can be certain of at this point is the date the account was opened and the date it was closed. I am requesting that be the only data that be reported to my credit report as clearly XXXX XXXX has not accurately furnished the data to the bureaus aside from the opening and closing dates. This was done for another account of mine which also reported inaccurately and I would consider this an agreeable resolution.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I was locked out of my coinbase account do to an unauthorized transactions, after being sent an email to follow steps I followed every step I was then sent an email on XX/XX/XXXX I received this email We have successfully collected the funds from your recent failed transfer. However, there may still be restrictions on your account. And since then I havent heard anything back from anyone my account is still locked with over XXXX dollars in it. Ive been emailing for the past month and still nothing.
Product: Mortgage

I called 5 times but was not able to speak to a person. The only way to speak to an actual person is to leave a call back number. I left call back number each time and confirmed that my number was correct. After more than XXXX hours I still have no call back. I have concerns and questions about my mortgage but how can I ask questions if no one will call me back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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: Debt collection

NCB Management Services sends an endless stream of emails, and the unsubscribe link in each email is purposefully broken, which is illegal.
Product: Checking or savings account

Money Tree ( XXXX XXXX XXXX XXXX XXXX, WA XXXX ) accepted a check for {$3300.00} which Wells Fargo cashed ( see check copy attached ) on XX/XX/21 that was made payable to us " XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX without our consent or any endorsement from XXXX XXXX XXXX on the back of the check.
Product: Debt collection

On the last week of XXXX, I received a call from Automated Collection Services , Inc. regarding an alleged balance with XXXX Hospital. The lady was talking nonstop about the balance and how I need to pay over the phone asap. As I tried to tell her that I haven't received the bill because I am out of the country, she began talking over me, making sarcastic comments on how come I didn't receive the bill, etc. At which point, I had to raise my voice so I can advise her once more that I am out of the country. I gave her my email to email me the bill, which she said she would that week. Through the call, her harassing tone was annoying. 
A week passed with no email, and on XX/XX/XXXX, another rude and ill-mannered female called and asked me to pay again, while she too was harassing me about the bill. Again, I had to raise my voice so she can finally hear that I haven't received the email. In fact, I told her to forward me that email ( since according to her was sent to me ) while we were on the phone, and instead, she continued to harass and finally, she hung up the phone. 

I called back and spoke to her manager who apologized, however, I do not appreciate being harassed like this.
Product: Student loan

I have Student Loans from Nelnet when I was attending XXXX College in XX/XX/XXXX to XX/XX/XXXX in XXXX, OR. My monthly payments was approximately {$500.00} a month. My loan started off with {$35000.00} and now it has increased to {$46000.00} from all the interest and late payments I been struggling to pay. I have recently fell in a financial hardship and it has been difficult to continue to pay the loan even though I entered into forbearance. I have also recieved an email about XXXX college being sued for false marketing and advertising. It mentioned they were going to try to remove anything that negatively affected my credit report and I am not required to make any other payments. I am still being billed for the interest on the loan. XXXX College In XXXX shut down and I am not able to contact the campus as they failed their students on their promises before enrolling. I have already communicated with the lender and FASFA and I have not recieved a response and it's been longer than 60 days. I was young and did not have a lot of knowledge on schools, loans, and credit.
Product: Credit reporting or other personal consumer reports

I'm submitting this compliant due to the negative information that XXXX XXXX XXXX XXXX XXXX has reported in my banking report. I believe that my rights have been violated as this information is inaccurate and misleading. Please investigate and rectify this matter promptly. 

Description of Dispute : XXXX XXXX XXXX is reporting multiple negative accounts with my personal information such as, XXXX XXXX XXXX : Incident date : XX/XX/XXXX, Banking Routing # XXXX, Account # XXXX reporting a negative balance of $ XXXX. 
XXXX XXXX : XXXX date XX/XX/XXXX, Banking Routing # XXXX, Account # XXXX. Reporting a negative balance of $ XXXX. 

XXXX XXXX  : XXXX date XX/XX/XXXX, Banking Routing # XXXX, Account # XXXX. Reporting a negative balance of $ XXXX Fee reversal : $ XXXX. 

XXXX XXXX : Open date XX/XX/XXXX, Banking Routing # XXXX, Account # XXXX. Reporting an Overdrawn account. 

XXXX XXXX : Open Date XX/XX/XXXX, Closed Date : XX/XX/XXXX Banking Routing # XXXX, Account # XXXX. Account Status : Closed for Cause-Purged of ALLY BANK : Open Date XX/XX/XXXX, Banking Routing # XXXX, Account # XXXX. Reporting a closed account. Reason for dispute account was never opened.
Product: Checking or savings account

In XX/XX/year>, I was trying to get a payday loan. I called into Bank of Americas customer service, because my online banking login was flagged for fraud. The Bank of America employee, was so mean and rude over the phone, even though I answered all her questions about my account. I told her I was trying to get a payday loan and the website wasnt letting me login to the online banking service. She asked about a recent transaction, and I confirmed it. But she said she didnt believe what I was telling her. She immediately closed my account, with the small amount of money I had left in it, said she believed I was trying to defraud the bank and would not let me speak. She quickly hung up on me. I drove to a Bank of America location where an employee confirmed, my account was closed and I had been flagged in the system as attempting to commit fraud. I also learned I was flagged in a check verification system, as a person with bad checks. The abrupt closing of my account caused me to default on bills that were set to autopay, which caused numerous fees. Because the customer service employee had flagged me as fraudulent, I was unable to open a bank account at any other financial institution, and still havent been able to do so since then!
Product: Consumer Loan

I currently have a loan with Zions Bancorporation which is unsecured for XXXX. I called the customer service department for specific information about paying off this loan and no one was able to answer my questions or give me an appropriate payoff quote. I then talked to several persons in the collections department who directed me to XXXX XXXX. In talking with him, I tried to explain my situation that something had come up and that I was going to have trouble paying off this loan as originally contracted. Even though this loan is NOT in default and I have never missed a payment, XXXX XXXX started to harrass me and demanded that I pay back the loan immediately and that I had no legal rights to file for bankruptcy or talk to an attorney. He also led me to believe that I had no right as a customer of Zions Bancorportation to ask questions about the loan that I had. XXXX XXXX clearly violated federal statues by harassing me about collecting on a loan that is NOT in default and by pretending to quote or comment on laws when he does not have a XXXX degree and stating that I have no legal rights to protect myself against clearly illegal actions on XXXX XXXX part. My attorney who specializes in consumer credit has been made aware of Zions Bancorporation and XXXX XXXX intimidation tactics.
Product: Credit reporting or other personal consumer reports

I compose this complaint while grappling with an overwhelming blend of dismay and indignation that any individual in my circumstances would undoubtedly experience. I am absolutely shocked by the astonishing and unjust rejection of my identity theft claims by your organization, despite my provision of substantial evidence in the form of an FTC report. The Federal Trade Commission ( FTC ) has acknowledged the legitimacy of my claims. I have diligently followed all proper procedures, and it is inconceivable that your organization persists in disregarding the law and my rights as an identity theft victim.I will not hesitate to enlist legal representation to ensure that your organization is held accountable for its negligence, please remove these accounts : XXXX XXXX XXXX & XXXX XXXX  XXXX
Product: Debt collection

MIDWEST RECOVERY SYSTEMS has placed a collection on my account for an old loan from XXXX XXXX in XXXX, the load went into default the same year. They are reaging this debt with a XX/XX/XXXX date, which is totally false. They also have a false delinquent date of XX/XX/XXXX which is totally erroneous.
Product: Credit reporting

I have contacted XXXX XXXX and Experian multiple times to reports multiple inquiries on my accounts are not mine and not authorized. To no positive outcome they keep telling me there is nothing they can do. This issue is deeply affecting my credit and is unfair to me. I would like for these unauthorized inquiries be removed.
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. XXXXt Account # 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 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. 

XXXX XXXX is reporting inaccurate information on my XXXX and Experian reports.