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

Bank of America has blocked my online banking access when I tried to change my password. After call many times to customer service to try unlocking it, they told me that the only way to do it will be going to personally Bank of America 's branch in XXXX, due to I lost my registered phone number ( I lost my phone few month ago )... Currently I am in XXXX and I want to unlock my online banking without going to XXXX just for that. 

Bank of America didn't accept any document to verify my identity ( only registered phone number ) and they didn't give me any alternative way to do it.
Product: Debt collection

I became aware of this collection account while reviewing my credit reports. I have written to Capio Partners LLC to validate these collection accounts as well as their authority to collect on said debt. and have received nothing. I believe my HIPPA rights have been violated as I have never given ANY entity permission to share my personal medical information with a third party.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE NEGATIVE ITEMS DISPUTED DOES NOT BELONG TO ME. THOSE NEGATIVE ITEMS HAS BEEN DAMAGING MY CREDIT WITHOUT MY KNOWLEDGE. PLEASE RE-INVESTIGATE AND REMOVE THOSE DEROGATORY ITEMS OFF MY CREDIT FILE.
Product: Credit card

My Lowes Consumer credit card was lost and used without my permission. I did not participate or receive any goods or services so I filed a fraud claim with Synchrony Bank and I received a fraud investigation form and was told it would be investigated. I completed the form and sent it in and received a letter confirming the fraud had been investigated and they found my fraud claim to be valid after they researched it and looked into. So I received a letter saying that they had researched it and found in my favor and all fees and charges had been credited back to my account which was done on XXXX, there was an adjustment done for XXXX for the fraudulent charges and I paid the remaining amount that was due on the account, now all of a sudden after telling me that I was not responsible after they investigated and even sent me a letter to confirm I was not responsible after investigating they came back in to my account and charged the charges back to my account XXXX/XXXX/2016 after they told me that I was n't responsible. So I called and spoke with an account manager who is now claiming there is nothing she could do. Why did you send me a letter confirming I was not responsible after you investigated and now all of a sudden you are saying that I am. Why send me a letter saying I was n't responsible and then say I am.
Product: Mortgage

My lender, Shellpoint mOrtgage services incorrectly added lender placed insurance to my account in late 2021. I notified them that this is incorrect and provided the documents to have this removed. The insurance was removed by they did not refund me until after reaching out to them over 10 times but I was only partially refunded. I am still owed over {$5000.00} and they just transfer me from person to person requesting additional information from me with no way to get the problem fixed. I need help!! 

total paid in lender placed - XXXX amount refunded- XXXX
Product: Debt collection

On today collections company LVNV FUNDING LLC reported to my credit that the collections account was closed or settled, I paid the account. 

Then they also reported on the same days XX/XX/2023 to XX/XX/2023 that the account balance increased. 

At this point I feel like one of these statements is false or should not have been reported and has a negative unnecessary impact on my credit.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX City State Zip : XXXX, XXXX XXXX Date of Birth : XXXX Last XXXX of XXXX : XXXX DATE : XX/XX/year> Subject : Complaint Regarding Incorrect Account on My Credit Report Under FCRA Dear Consumer Financial Protection Bureau XXXX I am writing to dispute the following information in my credit report. I am disputing this account under the Fair Credit Reporting Act ( FCRA ) for the following reasons : Information on the Disputed Account : Name of Financial Institution : XXXX XXXX XXXX Account Number : XXXX Date of Account Opening : XXXX The above-mentioned account was never properly notified to me as required by the FCRA. Under the FCRA, I must be notified of any information that affects my credit report before it is reported. The lack of proper notification violates my rights under the FCRA. 

XXXX5 U.S.C. 1681b : Limits the purposes for which a credit reporting agency may provide my credit report. I was not informed or asked for my consent for this Account 15 U.S.C. 1681i : Describes the procedure for disputing inaccurate or incomplete information on my credit report. I am disputing the accuracy of this account and request that it be removed immediately.

15 U.S.C. 1681m : Requires that I be notified of any adverse action taken against me due to information on my credit report. I did not receive any notification about this account. 

Thank you in advance for your attention and help in resolving this complaint. 

Sincerely, XXXX XXXX XXXX
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. 

XXXX XXXX  : XXXX, XXXX XXXX XXXX, XXXX XXXX  : XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX A : XXXX, XXXX OF 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 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: 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.

List the account name here with the account # ( Do not list over 5 accounts and 6 inquiries ) - Ex XXXX XXXXy # Account # has violated my rights 15 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written consent.
Product: Checking or savings account

I have attempted to get Wells Fargo to stop accepting any payments when my account is low about four times now. I regularly run low on cash, and when this happens I would expect payments that are attempted to be denied by my bank. I have spoken to support services no less than four times since XXXX and each time I have had overdrafts reversed and been told that my account will no longer overdraft if I do not have the funds. 

Each time, though, payments are held in processing until I am low, and then the most expensive payments tend to not clear until several days following the purchase, and I will overdraft. Ive even noticed that sometimes payments that cleared will go back into processing once i get low, causing me to incur overdraft fees even though i had more than enough money at the time the purchase was actually made. I have lost hundreds of dollars to this, and my requests for my account to simply not process payments if I dont have the funds has been ignored each time. I know that other banks do this, so Im not sure why Wells Fargo can not. 

Attached is an example of a payment changing status days later. I paid for a ticket on the XXXX, and on that same day the payment appeared on my statement ( I didnt screenshot this as I wasnt expecting anything to change ) Now, however, the same payment shows up as XX/XX/XXXX, which means it will more than likely cost me {$35.00} for an overdraft fee even though I had more than enough in my account to cover it on the day of the actual payment.
Product: Debt collection

I was told about an Ameritech Financial flyer from a relative ; who believed it was a legit company to help with paying off Federal student loans. 
When I called the company, they sounded responsible and came off as if they knew what they were talking about. I found it weird that with the high student loan amount that I have ; at the time it was about XXXX or so, they said I would only have to pay XXXX total in the end after they calculated everything. The phone call took about 2 hrs to complete the process. 
The result was, I had to make 9 payments of {$200.00} dollars and then it would go down to {$99.00} afterwards. I looked on the XXXX website and I've seen that no payments were made to XXXX at all. I was still getting phone calls from XXXX the whole time I was dealing with Ameritech Financial. I called to cancel my account with them after about a year and a half and they did not cancel my account. I ended up switching bank accounts which resulted in them not being able to receive anymore money from me. I would greatly like to receive all the money I paid to them while thinking I was finally able to pay off my student loans.
Product: Credit card or prepaid card

I made a {$50.00} payment to AAdvantage Citicard on XXXX XXXX. The payment was done electronic through my online banking account with XXXX XXXX XXXX. In XX/XX/XXXX I noticed that the payment was not applied to the credit card. When I called claiming why my payment was not applied, they said that they didn't receive it, after I explained to them how I sent the payment they gave me temporary a credit of the {$50.00} until they investigated. In XX/XX/XXXX they sent me a letter requesting more information for them to identify the payment as a copy of my XXXX Statement showing how the payment was done. 

I did send the copy of the statement as requested. I wait for a few weeks and I called back. Customer service transferred me to the dispute billing department and the manager of that department told me that the investigation was closed and they had reverse the temporary credit because the information I sent was not enough. when they asked me to send the copy of the statement. The payment was done electronic and there was nothing else to show. Since then I have been calling and speaking to different representatives promising that they will open the investigation again but nothing it has been done. 4 months already. 
Last Friday XX/XX/2018 about XXXX XXXX  I spoke to XXXX from customer service XXXX Florida she refused to give the last name, she told me that she was the supervisor and she was going to send the request to billing department to re-open the investigation. that was a lie.
Product: Checking or savings account

Somebody hacked my TD Online banking app and tried to use XXXX to transfer {$3000.00} out of my checking account on XX/XX/XXXX. They were able to transfer out XXXX. I called TD Bank and they restricted my account, and customer service told me that somebody in Maryland logged into my account and most likely stole my money. I went to my local branch and they opened new bank accounts for me and said they would investigate the missing {$2000.00}. I had to visit the local bank many times to try to fix this issue and secure my accounts and the people there were not very helpful and did not seem to care much about what happenned to me. I called a few weeks later after not getting any response, and they denied my claim and tried to say that it was me who made the transfers although thats not possible because the person who logged into my online banking according to their records was in Maryland and I was in New York at the time my account was hacked. They refuse to give me back the money and told me that it was not their problem.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following inquiries need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

My refinance loan was closed in XX/XX/2020 and I signed paperwork that the lender did not require an escrow account ; however, the borrower elected taxes be placed in escrow. I did not sign any other paperwork regarding requirements around an escrow account or its removal. I contacted The Money Source in XX/XX/2020 regarding this and was told they saw no reason this could not be removed and they would work with the escrow team on this. On XX/XX/2020 I received a letter from The Money Source indicating removal was approved and all requirements were met that I must return the letter signed to complete removal. On XX/XX/2020, I contacted The Money Source and they now tell me the letter was sent to me in error and I must have 12 months payment history, 80 % or less LTV for escrow removal falling back on the previous letter. I spoke with a supervisor who just kept repeating I agreed to this requirements by signing for an escrow account ; however, these requirements were not displayed anywhere in my closing paperwork. If these requirements were in the closing paperwork I would have not signed them and asked for the loan to be re-done. So to summarize I am being held to requirements that were not presented to me at closing or in signed paperwork. Beyond I do have an approval letter for escrow removal from The Money Source.
Product: Vehicle loan or lease

( This is what I sent to them ) Consumer Report To whom it may concern, I financed a car through Hyundai on XX/XX/XXXX. We agreed my payments would be {$260.00} a month. Since the day I made my first payment, XX/XX/XXXX, I have paid {$400.00} a month. I did this to cut down on the interest. I also told them them that any EXTRA money I wanted it to go towards the principal. This is how you cut down on interest. I recently found out that they have not been doing ANYTHING that I have asked. I have called multiple times in the past complaining about this same things just to be told " Oh, we'll fix it for you. '' And then they do nothing. I've called so many times this past month, XXXX, just for someone to tell me " Oh, ma'am we apologize but it's seems like they have been XXXX XXXX you account for a while. '' It shows on my account that I owe way more then I am suppose to. 

The last phone call I made was on XX/XX/XXXX and I was told that because I mentioned Consumer Law that my case needed to be escalated to the powers that be. Go figure. The lady then told me that it can take up to 10 business before someone would call to discuss my case. I said ok. It is now XX/XX/XXXX and I have yet to hear from anyone from Hyundai Motor Finance. It feels like they are NOT taking me seriously and I feel like they are purposely robbing me of my hard earned money. Typically, you're suppose to give a business at least 2 weeks to correct an issue. Well, it's been almost 3 years. I'm done talking, I'm done waiting, I'm done being nice. I have recently disconnected my auto payment and I have decided to no longer make my payments. This is something I have LITERALLY told the representatives of Hyundai Motor Finance that I would do IF they do not correct the problem. They have literally ignored my every request. This is what has brought me to you all. All I ever wanted was for Hyundai Motor Finance to correct my account and to listen to me but they have shown me that I do not matter. So, now I wish to sue them. Sue them for negligence and pain and suffering. All of this could have EASILY been settled had they followed through on their part. 

I have called MULTIPLE times, I have sent emails, and now I have sent a hard copy complaint via mail. Legally I have given you over 30 days to adjust or fix my account and you all ignored me and did nothing. 

If this does not catch your attention then hopefully a lawsuit will. Good day. 

I have filed a complaint with State of Nevada Office of the Attorney General and the Federal Trade Commission.
Product: Vehicle loan or lease

This complaint is an addendum to complaint number XXXX due to limited capacity to upload documents. Additional pertinent information was added to this complaint. The debtor signed a promissory note for a new car loan, without a clear understanding of the implications associated with the promissory note. The NFCU agent did not clearly translate in a language that the debtor could understand the promissory note, disclosures, and the Security Agreement section. Specifically, NFCUs role as Attorney-in-Fact, security interests or NFCU receiving proceeds, that the signed promissory note would be securitized and converted into a negotiable instrument. She was bullied into thinking that she was supposed to tender payment with a debt note. ( 12 CFR 1006.18 ). The debtor verbally communicated to make special payment arrangements with NFCU when she was experiencing hardship with a family member. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. She attempted to communicate with NFCU when her car was repossessed in XX/XX/XXXX via telephone and correspondence. Her attempts to communicate with NFCU were in good faith. What she experienced was long waits on the telephone or abruptly disconnected while on the phone, no responses from her correspondence with the exception of receiving a Notice of Repossession ( XX/XX/XXXX ) and a Notice that the vehicle was sold ( XX/XX/XXXX ). A side note. Two credit card accounts were closed during this distressful and emotional time in her life. The debtor sent a negotiable instrument on XX/XX/XXXX, with no reply. Sent a Notice Opportunity to Cure on XX/XX/XXXX, and Notice of Default in XX/XX/XXXX, a Certificate of Non-Response on XX/XX/XXXX. The debtors account was never credited nor were the negotiable instrument ( s ) returned. NFCU violated the Federal Reserve Act by displaying a pattern of misconduct, engaging in an unsafe or unsound practice in conducting the affairs of a credit union and breaching fiduciary duties. NFCU is a non-profit organization that took my security, transferred to its parent company. NFCU breached its fiduciary duty. NFCU is a non-profit organization that does not have to pay taxes or report transfers or funds to an LLC. NFCU violated the debtors privacy by reporting her personal information to a third party without written permission from her. ( Privacy Act of 1974 ). As a result of this violation, she has suffered derogatory credit scores. Lastly, NFCU took advantage of the debtors lack of knowledge of the mechanics of money and the debtor seeks compensation.
Product: Mortgage

This dispute is really about a {$100.00} missed payment for XXXX, XXXX. On XX/XX/XXXX, we made our first {$100.00} payment as per the forbearance agreement. We were obligated to make a payment of {$100.00} per month. We did not make a payment in XX/XX/XXXX. On XX/XX/XXXX, we made a {$250.00} payment to Chase because we realized our error in not paying in XXXX. The more than double payment in XXXX should have brought us up to date. Chase did not apply the extra money to the deficit and clear the matter up. Chase has a strange and incomprehensible method of placing payments in an account named " unapplied '' which appears to damage borrowers. If Chase had applied the extra money paid in XXXX there would be no problem. Chase could have reported to the credit bureau that we had made a payment 30 days late and that would have been fair. However, Chase never contacted us during this time to point out that there was a problem or to ask how we intended the double payment to be applied. Chase waited until XXXX to report to the credit bureaus that we were 150 days late, which is not true. Chase committed libel by reporting such misinformation and my wife and I have been hurt by that reporting. I spoke to a XXXX XXXX who called me a couple of times. He stated that he was part of an executive staff. He explained that he was investigating the matter and I was hopeful that we finally were communicating with someone smart enough to correct the error. XXXX XXXX was smug and condescending and while he told us that he had investigated the matter, his unwillingness to comprehend the situation and to ask the right questions, made it clear that he intended to do nothing but check the box to report that Chase took our concern seriously and investigated. XXXX XXXX acted in bad faith. We have a letter from Chase, dated XX/XX/XXXX, in which the second sentence reads, " We're reporting that we received your XX/XX/XXXX through XX/XX/XXXX payments and they were not late. '' Communications like these has made discussing the issues with so many Chase employees so confusing. Chase is continuing the harassment and libel by placing our XX/XX/XXXX and XX/XX/XXXX mortgage payments in and " unapplied '' account and stating that we are late. Our credit has been seriously damaged and our scores have plummeted y XXXX points. Chase through XXXX XXXX has said to me several times that Chase has to accurately report our failure to make the XXXX payment. If Chase were really concerned with honesty, they would consider all the facts and realize that the {$250.00} payment on XX/XX/XXXX should have been applied. They did not apply it and they have stood firm on their belief that we did not make the XXXX payment. We made the XXXX payment in XXXX. The problem is that they did not apply the extra funds and made no effort to discuss the misunderstanding with us before making the false report to the credit bureaus. Chase has acted in bad faith and we wish they would transfer our loan to another company so we don't have to deal with them again.
Product: Bank account or service

USAA Federal Savings Bank, XXXX XXXX XXXX, XXXX XXXX, Texas XXXX is the name of the bank and Insurance Company. It seems I had people that were invited by a friend were not good people. They caused severe damage to my home and vehicle during XX/XX/XXXX thru XX/XX/XXXX. Then when my car was totaled shortly after that this company called and canceled my insurance and closed my checking account. They claim is was because I lied on a claim on tires that happened just 1 week before my vehicle was totaled. I lied on a claim that I had already paid for because I wanted to see what they would say as I had XXXX tires slashed in XX/XX/XXXX that I had paid myself. I thought they would be understanding but I just had many claims and I feel they were looking for a way to just get rid of me. I did not know the persons that were living with me were drug dealers and sold drugs out of my basement. After they were arrested I was able to freely enter the basement with the police and found evidence of what they were arrested. I feel bad I could not do more to help the insurance company get some of their money back. When I was notified my car had been taken and I had to walk everywhere. 
The pain I had on my left side was very bad from the accident. I had to beg and pay people to take me places which was very expensive. Too much happening for them to cancel me now. Since I am a XXXX I feel I was discriminated because of my age since I am XXXX.