23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I had made a complaint back on XX/XX/2022. XXXX no XXXX. No resolution as of XXXX The upshot of that complaint is BoA 's failure to process a POA which I had mailed in on XX/XX/2022. After finding out in late XXXX by a phone call to my parents house that there were numerous suspicious charges on my dad 's BoA card. There were fraudulent charges on my XXXX father 's credit card, I am his POA. BoA refused to work with me, refused to process the PoA. Finally, I made a complaint to CFPB. 

I received one e mail on XXXX from XXXX XXXX saying that among other things " I will return your call in 48 hours '' XXXX XXXX did telephone my father to ask him if he had signed a POA. XXXX XXXX never returned any of my calls except once when he left a voice mail. I have called him numerous times, e mailed him numerous times, NO RESPONSE. AT ALL. No replies to my e mails, no replies to my numerous phone messages ( except XXXX on XX/XX/XXXX ) no reply to my phone message to him on XX/XX/XXXX. 
The complaint to BoA was never addressed, no contact or concern from anyone. Since obviously BoA was not going to honor a legal POA and help me stop the fraudulent charges, I stopped calling BoA. I had called them probably 10 times between XX/XX/XXXX and XX/XX/XXXX. I gave up. 

In early XXXX I was with my dad and we decided that since I was not able to get any response or cooperation from BoA, that we would call in together. Which we did and discovered that my father *miraculously* now had a POA on his account. We were told that due to the XXXX, he is not allowed to get a replacement card. ( The reason I sent in the XXXX was so I could find out what was going on with the fraudulent charges, not so I could take his rights and agency away from him, ) We are also asked by the customer service representative, " if you are complaining about fraudulent charges made in late XXXX, why did you wait so long to report it? '' AREYOU FREAKING KIDDING ME? 
Anyway, it because clear that sending in the POA just made things worse and that BoA was not going to do anything to help us. 

On XX/XX/XXXX, I received a phone message from XXXX XXXX saying that he was returning my calls ( from about XXXX XXXX ) and to call him back. Which I did not because the customer service representative had already told us that my dad could not have a new card because of the XXXX, and that we should have reported the fraud when it happened. But that they would remove the fraudulent charge. He was still able to use his old card, so we just gave up on making things right or getting a new card with a safe number. 

Then I received a new bill for my dad. Not only was the fraudulent charge still on his bill, but so was a {$25.00} late fee. Therefore, I called XXXX XXXX, of course he did not answer, I left a message stating that not only is the issue not dealt with but that things are now actually worse. This was over 2 weeks ago, I never heard anything back.
Product: Student loan

I consolidated my federal student loans ( held with My Fed Loans ) to get credit for the highest amount of XXXX payments, per the waiver. The information from MyFedLoan is in direct contradiction with the information on the Dept of Ed 's website, and included a warning letter that I will lose credit for all XXXX qualifying payments I've made if I consolidate. I went through with the consolidation, trusting the Dept of Education 's website on the XXXX waiver, however this has caused a lot of stress and I hope that they stop sending out incorrect information, as it will likely dissuade many people.
Product: Money transfer, virtual currency, or money service

The business is Western Union I used their web site to send money to phillipines. 
The first transaction went through fine The second was larger transaction and it was delayed because of??? They say lack of information. 
I answered their questions but the money did not go through. 
I called my family they still have no received the money. They received the first transaction ( XXXX ) but not the second ( XXXX ). 
I have been trying for three days to comply with WU. Without success I am angry because the family can't work ( pandemic ) so they depend on me.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

Was applying for ibr consolidation with Navient and they told me everything was fine. Now they never finalized the process and never contacted me for additional information. Now the dept of ed put a wage garnishment on me and wo n't allow consolidation.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I do not know where this account came from or who put this on my report, but it sure is certainly not mine. This is a violation of my privacy.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNTS from my credit report. 
ACCOUNTS XXXX 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, credit repair services, or other personal consumer reports

The is my THIRD!!! dispute letter and the account listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. This is in Violation under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and Section 623 of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. 
-XXXX XXXX # XXXX -FEDERAL ADJUSTMENT BUREAU INC # XXXX
Product: Credit card or prepaid card

Citi Card & Citi Bank Checking - No way to access the website ( can not manage the account, make payments or close the accounts ), no customer service ( nobody will answer the phone, just disconnected by automated service ), the branch call are redirected to automated system, and after few push of the buttons disconnected. 

Trying to rearrange my payments to them, this is the only big bank unwilling and avoiding to assist or help during these challenging times ( last week after 3 hours on hold an Citi rep told me they can not help due per " upper management indications '' and disconnected me ), and here just to take advantage of this. A shame for a big financial corporation that we bailed out so many times.
Product: Mortgage

I obtained a home loan through XXXX XXXX XXXX XXXX  on XXXX XXXX. I received a notice of service transfer on XX/XX/2021 ( the letter is dated XX/XX/2021 ) that the loan had been transferred to Community Loan Servicing , XXXX effective XXXX. I had made the XX/XX/2021 payment to XXXX XXXX XXXX, and the check cleared my XX/XX/2021. The payment went to the previous servicer since the notice of transfer was not mailed until XX/XX/XXXX at the earliest and received by me XX/XX/XXXX. 

In the letter it states the XXXX payment must be made to the new servicer, which of course is not possible given the letter was mailed so late. On XX/XX/2021 I received a debt collection email from Community Loan Serving XXXX stating my payment has not been made and and is due to Community Loan Servicing. The payment of {$4800.00} had been made to the previous loan servicer. Community Loan Servicing has required that I provide proof of the XXXX payment. My issue is this is their problem as the servicer that bought my mortgage and executed the transfer so poorly that the transfer of service notice was not sent in time for me to direct the payment to them. They did state I have a 60 day grace period for late payment fees and credit reporting, but that if I did not provide this proof, my loan would be delinquent after the 60 days. This is at best nonsensical and very poor servicing.
Product: Checking or savings account

I have a free-fee checking account with Bank of America (  BOA ) since XX/XX/2012. Basically, I don't need to pay the maintenance fee for this account even if the fund is lower than {$1500.00}. And in past years, I didn't receive any maintenance fee charge for this account.But when I checked my statement yesterday, I found I had been charged {$12.00} maintenance fee since XXXX, and had been charged 5 times, {$60.00} in total. 
So I called the customer service to figure out what happened. Then the agent told me, in XXXX, BOA converted the free checking account to e-bank, and customers would be charged for {$12.00} maintenence fee if the fund was lower than {$1500.00}. I asked when the notice sent out to the customers because I didn't receive any notice of this change ( I confirmed this by checking through my email inbox ). Then I was told the policy change was printed in the statement in XXXX. 
This is totally reckless and arbitrary. If the bank wants to do the change, which will potentially damage customers benefits, it should notify customers in a more direct and transparent way. It's hard for me to find the information on the long and wordy statement, especially given the fact that the account is used heavily.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit report to purchase a home, I realized there were accounts, inquiries, and an address that were damages on my report. This is defamation of my character. I reached out to the credit bureaus multiple times and the errors were not fixed. I reached out to the creditors multiple times through mail and NEVER received a response. According to 15 U.S.C. 1681 law my rights have been violated. I NEVER gave written consent to report anything on my consumer report which violates my right as a federal protected consumer.
Product: Vehicle loan or lease

The account in question in discussion is Ford Motor Credit the issue at hand is a late reporting in XX/XX/2020 XX/XX/2020. In XXXX I got very ill with Covid-19 I was unable to make the payment since I was to unwell. Once I was well enough to make the payment I did make the payment immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Questionable XXXX XXXX account listed on my credit report. 

XX/XX/21 Certified letter sent to XXXX requesting validation of the debt. 
XX/XX/21 Response received from XXXX, validation request not honored in correspondence. 

XX/XX/21 certified letter sent to XXXX, Equifax and XXXX to alert of failed validation and request to verify debt. Copies of all correspondence submitted. 

XX/XX/21 response received from XXXX, validation request not honored in correspondence. No response received from Equifax or XXXX. 

This is adversely affecting my credit score and in turn my quality of life.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite my previous 2 written requests, the unverified items listed below remain on my credit report in violation of Federal Law. You stated in your responses to my 2 previous dispute letters to you that you have verified that the items listed below are accurate, but you failed to send me copies of the documents that you used to verify these accounts as per my request.

I have thoroughly reviewed the Metro 2 Credit Reporting Guidelines, and it is evident that these items do not adhere to these guidelines. As such, I request that you investigate these inaccuracies and take immediate action to delete them from my credit file.
Product: Money transfer, virtual currency, or money service

Paypal refuses to help or acknowledge me for an issue I have regarding an unfair limitation I was given. They will not respond to me and have completely ignored me. About 2 weeks ago my house was burglarized while I was staying with a family member and everything I owned was stolen including my personal information and electronics ( i.e. SSN, Birth Certificate, Taxes, Phones, etc. ) I came home in the early morning of XX/XX/XXXX when I discovered that my house was robbed. I quickly began canceling cards, closing bank accounts and anything related to online cashing, and changing all my personal information. I finally had gotten around to contacting paypal later that same morning. I had no phone at this point in time because it was also part of the stolen items so the only way I was able to get in contact with them was through an old laptop the burglars letf in my garage. The first thing I asked was if they could close my account immediately to stop any fraudulent activity on it if that hadn't already happened. The first response I got directed me to reset my password which I promptly did. After I realized he wouldn't be helping me any further I decided to close the account myself. When I tried to though it said I needed to contact support again, which I reluctantly did. I was asked to show pictures of what the problem was, so I asked to use my coworkers phone and sent pictures of what it said to the support agent. He then responded in a lengthy copy and paste message about breaking tos. After that I was completely ghosted and no one eould respond to me. When I called I was met with the same copy and paste paragraph. All I wanted was to close my account because it had been compromised and I didn't want any personal information left in the account. After doing some research I found that many people had gone through this same exact issue with PayPal unfairly limiting their accounts with no stated reasoning other than breaking tos which led me here. They have still refused contact with me even though I am owed some kind of knowledge of what happened. This is completely fraudulent and this is not the first time things like this has happened. Apparently many others had their accounts revoked to and their money taken out their own account for paypal to keep. In this case I'm not even asking for much from them just a support system which doesn't copy and paste their responses and gor them to close the account which criminals have access to which means they have my bank info cards and ssn still. This is the Reference ID : XXXX My email is XXXX XXXX
Product: Debt collection

This matter involves credit card debt with XXXX XXXX XXXX which was referred to CBE Group for collections. XXXX XXXX XXXX had my correct address as bills were sent monthly to me. Once this was referred to CBE Group they used an old address where I have not resided for years. When this was sent to the old address it was opened by the occupant at that address who in turned contacted me about the letter, debt and what it was about. This resulted in great embarrassment and mental anguish. There was no reason for this to happen and I believe that corrective actions need to be taken, including fines and damages.
Product: Mortgage

On XX/XX/XXXX Ditech Financial LLC opened a escrow account for our mortgage without our authorization and paid our Homeowners Insurance without our authorization. XXXX XXXX, our Homeowners Insurance, sent Ditech a proof of insurance form and Ditech paid for it without our authorization. Since XX/XX/XXXX I 've been on the phone for hours with Ditech to get this resolved, to be sure XXXX received our payment from Ditech on time before we got additional charges from XXXX for late payments, we had to pay Ditech back for the homeowners insurance payment to close the unauthorized escrow account, and I sent Ditech a letter to close the escrow account. Later, I started to get charged {$81.00} to my mortgage bill for this escrow account, which I previously closed, both for my XX/XX/XXXX and XX/XX/XXXX mortgage bills. I 'm currently working to get this charge removed again for my XXXX mortgage bill payment. I was advised by the representative that there is no guarantee this wo n't happen again XX/XX/XXXX when my homeowners insurance is due again. I was advised that if Ditech receives a bill or a delinquent statement from XXXX, or any company, in the future they will reopen an escrow account without my authorization and make this payment before I even have a chance to pay it directly to XXXX or any company. I was previously advised by XXXX XX/XX/XXXX that my agent NEVER sent Ditech a bill or a delinquent statement. Farmers simply sent a proof of insurance form to prove we have homeowners insurance, which is legally required. Ditech has refused to look at the actual documents XXXX sent them to prove what XXXX actually sent them, while XXXX has checked their system and sees that they simply sent a proof of insurance. The Ditech representatives simply look at the title Ditech representatives post on their own computer system but they refused to open the actual document to read the actual forms sent to them.
Product: Debt collection

About a year ago, I submitted a complaint on my fiances behalf about Renton Collections in XXXX, WA. Last year, we tried to make contact with them to find out about a medical collection they had put on his report and find out where it came from and if it was his, a way to settle it or way to pay it. Not only did they refuse to furnish him proof of where the debt came from and where almost the {$1000.00} 'interest ' was coming from, but they also talked down to him threatening to take everything from him and told him he was n't allowed to call them more than three times a day ( after they continuously hung up on him and I ) and then when we could get ahold of them, they told us we were n't allowed to call again until the next week. After I submitted the complaint the last time, this 'debt ' he 'owes ' mysteriously disappeared from his credit report. And now, over a year later, they 've randomly put it back on his credit report as not only a new debt, but as one that 's in dispute. We have not contacted them or spoken to them in over a year and we want this off his report where it should be.
Product: Credit reporting, credit repair services, or other personal consumer reports

Truist bank has been wrongfully reporting a inaccurate late payment on my account from 2017. It is negatively affecting my life, credit report, and ability to acquire financing. 

According to the FCRA : 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 : 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 any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

My father passed XX/XX/XXXX and I was assigned as administrator of his estate during probate. The probate court required that I maintain the utilities at his residence where his XXXX was living during the probate process as she had made a claim to part of the estate. 
Around XX/XX/XXXX, dad 's house sold and probate court had me send a final payment tXXXX XXXX XXXX XXXX  and end services. This was done and court was satisfied. Probate was closed around XX/XX/XXXX and funds were distributed. 
Around XX/XX/XXXX, XXXX XXXX XXXX  started contacting me claiming I owed them money in the amount of about a month of service. I explained the situation to them and made it clear that I owed them no money. 
About XX/XX/XXXX I received a letter from CBE Group as an attempt to collect on the invalid debt. I responded immediately explaining that the debt was invalid. 
My response was ignored and soon after the debt showed on my credit report and the phone calls started. 
I now receive multiple calls per day by this debt collector. They use computers to assign them fake local numbers in order to dodge my spam filter and blocked phone number list. 
This is not a large debt and I have considered paying it to make them just go away, but that's what they want and I will not pay a debt I do not owe!
Product: Debt collection

On XX/XX/XXXX, at XXXX I talked to XXXX XXXX and disputed a credit card debt. I talked with XXXX, badge # XXXX, and I instructed her to cease and desist all further communication. 

Today I received two letters in the mail from " Mullooly, Jeffrey, Rooney, & Flynn LLP. '' They claim to be lawyers but they make clear in the mailings that they want me to contact a non lawyer, which I find odd. Additionally no one picks up the phone number they list, and as far as I can tell they do not have any publicly facing phone number with an actual office and secretary like a real lawyer. 

My issue is therefore : 1. They should not be contacting me after I instructed XXXX to cease and desist all communications. Any communications from them are punishable under the FDCPA by a {$1000.00} fine per instance. 
2. They should not be pretending to be a law office unless they actually are lawyers, and it seems like this is just a crude tactic at intimidation, as they present themselves as lawyers but in the fine print they state they want me to talk to " a non-attorney debt collector. '' If they are a non-attorney debt collector they should not be using deceit to make it seem like a lawyer is chasing for a debt. 

Thanks, XXXX
Product: Checking or savings account

I have tried to winthdrawl money and they have my account restricted, tried transferring my brokerage account and they ignored it, havent answered any of my emails for weeks.