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

XX/XX/2020 XXXX sent over {$17000.00} to Bank Of America for XXXX benefits. My account is in good standing as of today. I just certified my last week and Bank of America will not release my funds nor card. I see you fined them {$220.00} XXXX dollars for unlawfully freezing customers accounts. They refused to release my funds. Can you please help me.
Product: Money transfer, virtual currency, or money service

I have had the account in CITI bank for over seven months. All deposits are cleared. I tried to transfer {$25000.00} from y Citi account to an account at XXXX XXXX This would still leave me with funds still in my Citi acct. I do online banking and on THEIR webpage for my account and Citi STATED I had {$25000.00} available for EXTERNAL transfer. I applied to have this amount transferred as requested. The page would not proceed to accomplish this. I pulled up the chat page and was told that I could only transfer {$10000.00} at a time and only {$15000.00} per month ( of course, it is MY money they are talking about ). When I informed the " chat '' person, after asking for a " real Person '' rather than a bot, I stated that THEIR webpage, which I had before me, STATED that I had {$25000.00} available for an external transfer ( I have included attachments affirming this ). They put me on hold, every five minutes I asked them if they were still there, after 22 minutes I cancelled the chat and printed out my whole conversation. All of this is documented below
Product: Credit card

Please review the attached documents. I request that the bureau initiate an investigation into these accounts erroneously reporting me as late when I have been consistently punctual.
Product: Credit reporting or other personal consumer reports

am filing a complaint against Equifax for failing to property investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence or a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation for following credit reportings of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Citi bank refuses to give me complete and total unstricted access to my funds. I can not utilize XXXX to transfer to another financial institution, external account transfers, ATM withdrawal, or purchase utilizing my available funds. I call the bank and spoke to several employee in customer service and security team and the only response is that it is a security evaluation. I fully identify and validated who I am and they still refuse to release my money to me. I am going to have XXXX XXXX XXXX + hours away to go to a physical location to be able to close this account. Their customer service is all in XXXX and XXXX and no customer service based in XXXX. Customer service refuses to release lock on my account and grant me access to my money.
Product: Credit card or prepaid card

I purchased card for XXXX loaded XXXX and another card for XXXX and loaded XXXX upon going to register it saw monthly fee of XXXX so I didn't continue to register or activate the card and tried calling the number on the website. serve American Express XXXX. There are other prepaid cards that have no monthly fees only fee is a reload fee. I'm on a fixed income and can't afford a monthly fee.
Product: Mortgage

On XX/XX/XXXX, I initiated a refinance of my existing mortgage with Wells Fargo Bank and had just completed my home inspection on XX/XX/XXXX. On XX/XX/XXXX, I heard a news report about Wells Fargo foreclosing on 500 homes. News report said Wells Fargo was pointing to a computer glitche. This made me nervous so I cancelled my loan preparation with Wells Fargo and began with another loan company. In the meantime, the appraisal company ( XXXX XXXX ) filed the appraisal with XXXX XXXX for Wells Fargo. My new loan company ( XXXX XXXX ) is unable to use the new appraisal for my loan unless Wells Fargo provides a release letter to them and complies with other transfer itsms. I began calling Wells Fargo on XX/XX/XXXX to get them to provide a letter releasing my appraisal and other documents to XXXX XXXX. The Executive Office of Wells Fargo received my case file and has stated that it is their policy " not '' to release appraisals for liability reasons. I asked for a reimbursement of my {$500.00} appraisal fee or the documents releasing the appraisal ( I prefer an appraisal release so that I can continue my ref ) and was told by XXXX XXXX on XX/XX/XXXX that they could not do either. On XX/XX/XXXX, I contacted XXXX 's team leader, XXXX XXXX, who assured me he would get the docs to release the appraisal. My new loan company has not yet received the paperwork and I have left two messages with Mr , XXXX to call me and have no responses. I am on a timeline with XXXX XXXX and ready to do final closing paperwork if I can get the release on my appraisal. I feel I do not have to pay for another appraisal when the one conducted by Wells Fargo and paid by me is a valid appraisal that I can use. Wells Fargo is citing liability issues if they release my appraisal but I see no validity to that reason. The only liability is on the appraisal company if they did not do the appraisal by the standards. Please help me with this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  are incorrectly reporting me ( 60 plus ) days late for XXXX, XXXX and XXXX, 2019 on the XXXX Bank partial account number XXXX. ( Please see page attached from my credit report. ) I have attached a letter from XXXX Bank wherein they provided me with incorrect information regarding the availability of escrow funds and due to this oversight, lates consequently were reported. XXXX Bank submitted a request to the bureaus to remove the negative credit reporting for XXXX, XXXX and XXXX, 2019. Unfortunately, the bureaus have not yet removed the lates that are still reporting. This false reporting of lates is seriously harming my credit score. It is a violation of the Fair Credit Reporting Act not to report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.
Product: Debt collection

This is fraud. XXXX from XXXX from synchrony bank has not called me back regarding this matter. This is complete fraud and they know it. I am not responsible for this that its their problem. They need to be held responsible. She never calls back I left her several messages emails and no response. Id like to speak to her boss ASAP regarding this matter
Product: Credit card or prepaid card

JPMCB Card Services XX/XX/2022. Someone tried applying for credit card. Received letter in mail stating I wasnt approved for card. Did not apply for one.
Product: Credit reporting or other personal consumer reports

XX/XX/2023 {$4200.00} tried to contact company no reponse wrong contact info listed account was never delinquent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a claim with Equifax on XX/XX/XXXX it is now XX/XX/XXXX and has been more than 30 days called to try to see what was going on and didnt get a clear response according to the law they have to release to fix it or delete it.
Product: Consumer Loan

I purchased XXXX Toyota Truck on XX/XX/XXXX. i finance my vehicle from Toyota Financial services. my regular monthly payment $ {$620.00}. I was paying my monthly payment regularly. I do have documents. I made a future payment with Toyota financial on XX/XX/XXXX. Toyota financial took XX/XX/XXXX payment and future payments until XX/XX/XXXX. They withdraw {$2500.00}. After they withdrew this amount i called customer service. they did not return excess amount of payment. They said they send check to me which they did not. After calling and discuss with my account they send me amount of {$620.00}. i deposit this check and this check returned. My bank charged to my account {$35.00} return deposit fee. Also I got called from Toyota financial service customer service, get humiliated by them. They told me that they will repossess my vehicle. I could not resolve my issues or get any help from them. I asked them please send me ledger of account and checks that they send me. they said they can not provide proof of check they send me. Additional of everything they made my credit rating low. This is a very bad practice. Their system shows wrong amount of mature date payments. For example ; your loan payment due date of XXXX of every month. if you made a payment on XXXX which next day of original payment date ; they will collect from your account future payment ( which not is not due ) together with current month payment without your knowledge. If you have any questions or proof of payment please do not hesitate to contact with me.
Product: Credit reporting or other personal consumer reports

This letter serves as a follow-up to prior communications regarding the XXXX XXXX XXXX account that TransUnion has inaccurately reported as accurate. Despite this assertion, the company furnishing the information has failed to provide proper certification of the alleged debt. Additionally, they have responded to the CFPB complaint but failed to certify that they possess or can produce the original document obligating me to pay them, either for my review or for review by a judge in court upon request. 
As your legal team can confirm, under the rules of evidence, the company must produce the original document to establish standing in any claim. Furthermore, they have failed to return the debt collector certification, further discrediting their claim. By failing to produce such documentation, they have effectively conceded that they do not have a valid claim. 
Please be advised that TransUnion is engaging in fraudulent reporting, in violation of Title 15, Section 1611 of the U.S. Code. By continuing to report inaccurate, incomplete, and unverifiable information after being notified, TransUnion assumes liability for these actions. Liability for this debt has not been lawfully established. 
Please be advised that TransUnion is engaging in fraudulent reporting, in violation of Title 15, section 1692 ( e ) of the U.S. Code A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Liability for this debt has not been lawfully established. PLEASE SEE ATTACHED
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX Phone : XXXX RE : PNC Bank Freezing my account for 30 days I was notified on XX/XX/2022, that my account was frozen for suspected scam. I was ask by a friend to accept XXXX funds and then buy bit coin and send it on to her. I have know this person for 4 years and trust her. One of the people that sent funds contacted me and said they had been scammed. I offered to return their money, but she must have filed a complaint. 

The major problem of this situation is the uncaring inhumane policy of PNC Bank. In freezing my account they will not let me access any funds from an ATM. They also will not let me pay my bills such as utilities, taxes, credit cards, and buy medication such as XXXX XXXX until after XX/XX/XXXX. 

I contacted PNC Bank by phone and was told the above and I would just have to wait until XX/XX/XXXX to do anything. They said an investigator would be contacting me but I have not heard from anyone in the last 16 days. Each person I talked to said nothing could be done to unfreeze my account until XX/XX/XXXX and it could even take 90 days. I feel this is totally unfair when I made an honest mistake thinking I was helping someone. I now have {$34.00} in my pocket to last me until XX/XX/XXXX or beyond to buy food, gas, necessities and mediation. I have been out of XXXX XXXX medication for almost a week. 

On Friday, XX/XX/2022, I was told PNC was closing my account. I ask when I would be able to get my funds and the branch manager told me he had no idea. That another department would take care of that. The manager has filed complaints on my behalf but still no one has contacted me. 

I would like to have PNC Bank to remove the freeze on my account since I provided one representative all the information of how this situation came about. I take full responsibility for my mistake and will be glad to make restitution to many one that was harmed in this situation. At this point I would like to have my {$8000.00} plus money as soon as possible since this has become a medical emergency and they do not care about me.
Product: Mortgage

I applied for a refinance loan and my rate was locked in at XXXX. Quicken loans let my payoff for my California first loan expire and did not realize this until my loan was sent for closing. At this point it was XX/XX/XXXX and my California first payoff had expired on XX/XX/XXXX. This now meant that all my numbers had to be recalculated as well as I had to order a new payoff from California first. I then had to make a XX/XX/XXXX payment on my existing mortgage loan, which was now late because we did not close on the date that I was told. ( XX/XX/XXXX ) At this time I was advised that my interest rate was going to expire and I was given a 15 day extension. ( XX/XX/XXXX ) I was then called on XX/XX/XXXX and told that my interest rate was expired again and at this time the interest rate had gone up. I could no longer receive my promised interest rate of XXXX unless I brought more money to close. I was now forced into a rate of XXXX because of being unable to bring extra cash to closing. Quicken loans has dropped the ball on my loan numerous times over the past two months. I have provided them with every document that they have requested, promptly and have kept in contact with many different individuals though this horrible process. It seems as if every time a mistake has been made on my loan, I am than passed off to a new person for contact. I have tried reaching out to the company in regards to all of the unfortunate events but no good has come from any of my calls or emails. I started my loan process around XX/XX/XXXX.
Product: Debt collection

Experainrefusing to verify a debt that I do not owe from this company : They came back 2 days after I disputed it with them stating verified l ; how??? 

XXXX, XXXX XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Phone : ( XXXX ) XXXX Activity : XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

The report shows I currently owe money to your company that I have already repaid. 

o The date of first delinquency on my report is not accurate.

o My student loan shows a period of delinquency when I was actually in an income-driven repayment plan.

o Im the victim of identity theft and I dont recognize one or more of the accounts on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX XXXX, someone stole my identity to borrow {$3600.00} from Preferred Lease to help them pay for their rent. The account is XXXX. It has a {$3600.00} balance and it was closed in XX/XX/2021. Now, the account remains on my credit report as a negative impact on my credit score. I haven't gotten ahold of the fraud department.
Product: Mortgage

i received a letter from mr cooper dated XX/XX/2021 saying that they put my last payment in an unapplied funds account bc they were insufficient to b applied as a full payment. this is not true and is the same amount that i send every month.
Product: Mortgage

To whom it may concern, I, XXXX XXXX applied for a modification to Capitol One through my bankruptcy Attorney ( XXXX XXXX ). I was then denied a modification. I was approved a payback plan of {$27000.00} down and {$6000.00} with in one year. I was not able to accomplish this. A Deed In Lo, Or a Short sale. Was then told from Capitol One there was nothing more that I could do to save our home. 
We then went to XXXX a consumer advocacy group. There I applied again for a modification. Was again denied a modification. This time was only offered Deed in Lou, or Short sale. I have contacted Capitol One and Escalated my file on my own. In the escalation department ( XXXX ) I spoke with a lady named XXXX. She tried to help. She gave me a # to XXXX XXXX XXXX XXXX # XXXX. She was also told from her managers there was nothing more that she could do. I called the above XXXX XXXX # and was told if I am in bankruptcy that XXXX XXXX can not help me at all because they are a debt collector. The only thing I could do was work something out with Capitol One. Capitol one has told me there is nothing more that they can do. My monthly salary is {$5700.00} My first mortgage is {$120000.00} my arrears are {$73000.00}. I 'm being told from another consumer advocate that there is a mod that will work. Called an Investor mod. The mod is $ % for 40 years. That Makes our payment Approximately {$1300.00} per month. Or if there is an alternative mod that will work for us. Were not interested in loosing our home. 
Please help us save our home.
Product: Credit reporting

On XXXX XXXX 2015, I submitted a dispute sheet to Experian with several items of disputes. On XXXX XXXX 2015, I received a letter from Experian claiming that they have determined that my disputes were not sent by me. The disputes have been tagged as " suspicious '' and " fraudulent ''. They furthermore claimed that they will not be initiating any further disputes based upon what they have determined as suspicious correspondence in regards to my initial disputes. The Experian letter disclosed a phone number to discuss the problem with a representative. I called Experian and spoke with a representative. This person echoed the verbiage in the letter that was sent to me and would not remove the red flag, thus denying me investigation of my disputes. The representative insisted that I give the dispute information over the phone. I refused to do so because I want a paper trail of my disputes. Subsequently, before I received the denial letter from the 1st disputes, I sent a 2nd dispute sheet on XXXX XXXX, 2015. According to Experian, any subsequent disputes will be discarded. I am attempting to improve my credit score. Several years ago, I was a victim of ID theft. There was a report filed with the XXXX XXXX Sheriffs. Since then I 've seen items that I 'm not familiar with, therefore I 'm exercising my right to dispute those items that I 'm not familiar with. Please enforce Experian to honor my disputes and investigate.
Product: Debt collection

Two to tree calls a day for the past 4 months from a " National Enterprise System '' to collect a debt that is not ours.
Product: Checking or savings account

Ive been trying to transfer funds from my Chase checking account to a brokerage account and they keep refusing to release my money. First they claimed that they needed to run through fraud verification, then they said that they couldnt release the funds until this past Tuesday because of the long weekend, and then they cancelled the transfer and one of their relationship managers called me about keeping my money with them so they cancelled help me with my cash management needs. Ive called them numerous times and done their fraud verification in person with multiple employees at the physical branch and theyre still refusing to release my money.
Product: Bank account or service

TCFbank lied about renewal rates on a 15 month cd also their early termination fee on a cd is extremely unfair example on a 1-5 year cd XXXX months interest is average that would amount to {$30.00} their fee is over XXXX!!!!!!! 

attn XXXX XXXX
Product: Checking or savings account

I dont necessarily have dates as I am not sure when it would have occurred, but I did open a 360 savings account with Capital One and they did promised a higher interest rate than what Im receiving.
Product: Debt collection

I need your assistance in eliminating the bankruptcy entry from my credit report, as this is unacceptable. According to the Court, bankruptcy should not be included in my credit history, and there is a lack of assurance on your part regarding accurate reporting.
Product: Debt collection

I contacted XXXX XXXX XXXX about the bill to see why their was a bill the representative informed me it was for when my son had a visit to the ER I explained to her I provided the ER with his insurance and I called my insurance to be sure we was active they didnt bill the insurance for him no one even entered his insurance at the ER even though they was provided with the information the person I spoke with said it was my debt because he hid my son and I would have to settle it to have it removed insurance stated they can backdate the claim but the representative stated it was to far out I didnt know the bill wasnt paid until it showed on my report and its not my bill I wasnt seen at the ER I would like this removed from my credit report
Product: Debt collection

WEST ASSET MANAGMENT  ACCOUNT NUMBERs :  XXXX  In response to complaint :  XXXX  Your company have violated FCR  A 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2  of this title relating to information resulting from identity theft, to prevent    that person from refurnishing such blocked information.   The reference items are listed below please take this matter very serious  WEST ASSET MANAGEMENT ACC OUNT NUMBERs :  XXXX  I have report your company to  consumerfinance.gov  As a form of record and I am prepare to sue your company Example  In re    XXXX   XXXX   XXXX   XXXX   XXXX    Telephone Consumer Protection Act  Litigation, Case No.  XXXX , in the  U.S. District Court  for the   XXXX   XXXX    of  Californi a Stop collect ion proceedings against me Signatures on applications and accounts Investigators report   XXXX   XXXX   SS #  XXXX  DOB   XXXX     ADDRESS   XXXX   XXXX    XXXX   XXXX   XXXX  , FL  XXXX