23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

BB & T mortgage lender was to withdraw or receive the monthly payments automatically from my bank account and on the month of XXXX BB & T was unable or unwilling to withdraw the amount to cover the monthly payment, never contacted me to inform of what was happening and reported to the major credit agencies the mortgage was late 30 days, where they received the total payment for the month of XX/XX/XXXX before the 30 days were late. I have tried to speak with the lender including sent letters to BB & T and report the inaccuracy to the credit agencies to remove the late payment, BB & T just reports that they are reporting the late payment as accurate without any other explanation. BB & T as a company should be treating its customers with more respect especially the ones that have been with them since XXXX without any late payments or any problems. Will never use them again and will make sure all my customers and clients know how they treat theirs.
Product: Vehicle loan or lease

My identity was stolen sometime in XX/XX/year>. It was then used to purchase 3 vehicles as well as multiple attempts to open credit cards. I submitted documentation to these loan companies and 2 of them dropped the loan and corrected my credit. I contacted Global Lending Services and provided the documents requested to dispute this loan in XX/XX/year>. Today the company claims it's still under investigation. This has negatively affected my credit since then. I have contacted them weekly to see if they need additional information and the response is always no. I need this resolved immediately. I am willing to provide any additional information needed to support the investigation. I have filled a police report with my local police department.
Product: Checking or savings account

My social security card was stolen recently then when I checked my bank account I noticed a fraudulent charge of {$200.00} from my checking account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I will attach documents proving this dispute below. XXXX XXXX ran my credit without my permission. A service guy came to my house and asked if I wanted a quick approval for house work and asked me questions about what I needed done and my identity but never told me my credit would be ran or by which company. I have been trying to fight XXXX XXXX ( inquiry XX/XX/XXXX ) for over a year now with letters to them as well as to the credit bureaus with recent dates of a last attempt on XX/XX/XXXX. My last & only letter from XXXX XXXX was on XX/XX/XXXX. The bureaus have taken no time to ask & gather evidence from this company no matter how many attempts Ive made with them in requesting their findings. XXXX XXXX XXXX XXXX ( inquiry XX/XX/XXXX ) has been the same issue. I wrote them and got no answer. I called and wrote the bureaus explaining this and they still have refused to remove them from my reports.
Product: Credit card or prepaid card

I have a cashapp account and the corresponding debit card. I began receiving notifications XX/XX/2022 that {$50.00} charges to my card were being declined because transactions on my card are turned off. I reported my card as compromised, and requested a new card, as I was advised to by CashApp. I still have not received the replacement card as of today XX/XX/2022. Cashapp provided me with a new 'virtual ' card number until my replacement card arrives, I have not yet used it anywhere. 

On XX/XX/2022, after I had cancelled my original debit card, and never used the new virtual card, Cashapp allowed one of the {$50.00} fraudulent transactions to complete. I waited for it to post, disputed it, and have still not received the monies back. I have contacted Cashapp and they will only tell me to contact the merchant, but will not give me the merchants contact information. My case was escalated to a 'manager ' who was no help and would not provide me any contact information for the merchant who is continuously trying to charge my card. 

The takeaway is that even if your card is reported as stolen/compromised and deactivated by cashapp they are still paying charges to the old card number.
Product: Credit reporting or other personal consumer reports

I came across the Experian lawsuit. 

I believe that I was negatively impacted, hurting my chances at credit after submitting my XXXX XXXX Block request, in XX/XX/2024. I submitted documentation from the Government Agency that assisted me in my case as well as my own signed attestation. 

The company did not abide by the XXXX  XXXX  XXXX and Block this information from my file within XXXX days. 

Instead, the accounts were removed well after XXXX days. Then subsequently reinserted back to my credit file days after initially removing them.
Product: Money transfer, virtual currency, or money service

Several months ago I got a new phone number. Shortly after I got a newer cell phone. Since it was new to me I had to log into my apps for the first time on my new phone, including CashApp. When I attempted to log in with my phone number, it logged me into the person 's CashApp account who had my number in the past, a person I did not know. I contacted CashApp to straighten it out. I was shocked at how easy it was for me to sign into the other person 's account through no fault of my own. It took the agent I was chatting with several times for them to understand what had happened. They even addressed me by the other person 's name which added to my frustration. A few days later I was using CashApp and a screen appeared telling me my account was closed for terms of use violations and they wouldn't tell me why it was closed. I have tried several times to reopen my account and I've reached out to cashapp but I believe they are punishing me for making work for them but none of this was my fault. I am literally the victim here and cashapp made it worse. They should open my account for me. I am a small business owner and I rely on cashapp for several customers. Thank you.
Product: Checking or savings account

Hello Dave Bank has Told me repeatedly that on XX/XX/2023 I would receive a credit to my account because my debit card was stolen and someone. Used funds from the account 5 other Dave Employees I talked to over the phone has stated the same thing then I called today then they said I am not getting a credit and to check back in up to 90 days I need my funds asap
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX decided on there own to keep an inactive checking account open for years. I never made any use of the account for years. XXXX XXXX XXXX recently reported to the credit bureaus that I failed to pay them {$77.00} XXXX XXXX dollars as an attack to decrease my credit scores. I never owed XXXX XXXX XXXX XXXX {$77.00} seventy seven dollars which is used as a personal message to attack me because my birth year is XX/XX/XXXX. This account was never in use since XX/XX/2014.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sir or Madam : To whom it may concern The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX XXXX SS # XXXX DOB : XX/XX/XXXX XXXX XXXX   XXXX XXXX XXXX XXXX fl XXXX
Product: Credit reporting or other personal consumer reports

An unauthorized inquiry suddenly appeared on my credit report today, and I have no clue why. I check my report regularly, and Ive never encountered such an issue before. I even tried refreshing the page, thinking it was an error, but nothing changed. I am extremely frustrated and need this to be investigated and resolved immediatelyplease review the documents I provided so I dont have to keep dealing with this problem.
Product: Mortgage

I am filing a complaint against Bank of America for Dual tracking. They have been in receipt of my modification application for some time and have done nothing with it. They acknowledged full receipt of a modification application yet continued to file a foreclosure neglecting dual tracking requirements. They are in clear violation and need to be held liable for their actions.
Product: Mortgage

We applied for a renewal of a {$500000.00} HELOC on our home valued at more than {$2.00} XXXX two months ago with JPMorgan Chase. Our previous HELOC had been partially drawn down and fully paid off before the balloon payment date and expiration which occurred in XX/XX/2018. In the meantime, we have fully paid off our mortgage on our home, so this new HELOC would be in first position. 
Chase responded by saying they could offer us a HELOC only in the neighborhood of {$260000.00} -- and told us that they were " not a collateral lender ''. Basically, in form, in seemed as though they treated our application as an unsecured loan, based only on their conservative estimates of our cash flow, assuming we had no access to any of our other cash or investment assets. For them to call the product they were offering a HELOC was a complete misrepresentation. 

We received a letter dated XX/XX/2018 rejecting our application, giving the reason that it was based in whole or part on our credit rating. We have written an objection letter, based on several reasons in form and substance -- not the least of which is that being rejected by a long-term creditor can only have a negative effect on our credit rating and credit history. Facts of our financial situation include : -- Husband 's credit score XXXX ; Wife 's XXXX on XXXX ; range 320 to 844. 
-- Our mortgage is paid off, so this HELOC would be in first position. 
-- We have had a second position {$500000.00} HELOC with Chase for over 15 years. We have borrowed against this amount and completely paid off the balance, prior to reaching the balloon payment date. Our payment history has been stellar. 
-- We both have pensions ; once husband retires our pension and Social Security income will surpass {$13000.00} per month. 
-- We have paid off our credit cards in full every month for the last 30 years, with very few exceptions. We own our vehicles outright-no loans -- We have over {$500000.00} in stocks and cash ( {$140000.00} deposited with Chase ).

-- Husband is still working and has earned over {$100000.00} so far in 2018. 
-- We own a rental property valued at over {$1.00} XXXX with a mortgage of {$350000.00} and a stable ten-year tenant. Chase did not count additional rental income to that property of {$1200.00} per month from garage tenant, as amounts were paid via bank transfer not checks. 

In addition, Chase responded irrationally to an appraisal which came in HIGHER than expectedby lowering the amount offered as a HELOC maximum, stating that the higher taxes would be a further drain on our cash flow. But, since we are in CA, Prop 13 prevents our taxes from being raised more than a few percent per yearunrelated to property values.
Product: Credit card

To Whom It May Concern : I paid a XXXXXXXX $ XXXX in XX/XX/XXXX for a dream trip to XXXX and paid for a XXXX XXXX in the desert in XXXX . After the XXXX told me that she was doing me a favor '. 

This XXXX  didnt do what she was paid to do. She did what she wanted and charged me for a full XXXX. The XXXX that was done wasnt what I paid for. I was initially willing to pay for half of the cost of the $ XXXX I paid for but the vendor didnt respond. Apple Card/Goldman Sach keeps automatically declining my request which is unfair and proves that no one is bothering to follow up. 

ITS BEEN MONTHS AND I STILL DONT HAVE A RESOLUTION. GS KEEP CHARGING MY CARD FOR {$180.00} for me to pay. I KEEP REQUESTING THAT THE WHOLE AMOUNT BE CREDITED TO MY ACCOUNT. THE VENDOR DIDNT RESPOND TO MY CALLS, IT'S BEEN SIX MONTHS, AND THIS PROCESS TO COMPLAIN AND DISPUTE charges with Goldman Sachs TAKES MONTHS. 

Card-holders shouldnt have to wait 90 days at a time when all the information has been supplied to investigate an issue. I sent two photos each time to GS/Apple to indicate what I paid for versus the XXXX I received. 

Further, the process to file a dispute takes WAY too long. 

Here are the following dispute numbers that were opened then closed without any communication. Additionally, it appears that Goldman Sachs purposefully does this to discourage the dispute, which ultimately ends up in the consumers hands to pay. 

I spoke with XXXX and then XXXX at GS on XX/XX/XXXX - Dispute was closed without anyone contacting me. 
Contacted again on XX/XX/XXXX - Dispute was closed by XXXX then XXXXGS - it was for the reversal of {$180.00} - I ASKED FOR THE ENTIRE AMOUNT. No one contacted me. 
XXXX XXXX indicated that the issue was reopned when it shouldn't have been closed! 
XXXX - XXXXGS - sent him pics via text message. Issue was closed. 
Called on Wednesday XX/XX/XXXX when I rec 'd a bill for {$180.00} but I asked for the entire amount to be refunded. To date, NO RESOLUTION has been made. No one texted me back. The consumer shouldn't have to text someone for a resoution. Its a guranteed no-win for the card holder.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had unauthorized hard inquiry on my credit report from the following company : Company : XXXX ( XXXX XXXX XXXX ) Date : XX/XX/2017 2017
Product: Debt collection

Threatening phone calls and Threatening to contact employer. 
Called a 3rd party released personal information regarding debt Abusive and harsh language after I requested a cease and decease all communication Greater Northern Financial XXXX XXXX XXXX  Called from local numper And then Called 3rd party using that person 's local area code ... ..so many fraudulent tacticts
Product: Checking or savings account

The night before XXXX, XX/XX/XXXX, I went out to XXXX in XXXX and spent a cover fee of {$10.00} and sometime throughout the night my debit card was stolen. I woke up with a charge of {$92.00} to a XXXX in XXXX, California. I was in XXXX but I got a ride home, and never went near a gas station. Nevertheless it costs no more than {$40.00} to fill my tank, and Wells Fargo never told me exactly what the charge was for. I woke up to my checking account balance at {$0.00}. I called my bank the next morning XX/XX/XXXX and they temporarily credited back that amount, but today they charged me {$92.00} due to my claim being denied. When I called this morning XX/XX/XXXX, both representatives that helped me today were extremely vague after claiming they did a thorough investigation. They stated my claim was denied due do the location because I have previous charges in XXXX, as I used to live near that area. They also said there werent any transaction attempts from my old card after it was frozen. There werent any other reasons they gave me as to why my claim was denied.
Product: Credit card or prepaid card

I keep getting calls from someone saying that my Visa card or XXXX card issued by bank of america was used to purchase {$880.00} worth of stuff on XXXX. 

They mention any financial company. In this particular call they mentioned bank of america and XXXX. When I called them on their scam they hung up on me and then texted from a different number. In the text they mentioned Visa. 

Numbers usually comes from : XXXX XXXX XXXX Date : Thursday, XX/XX/2021 Call time : XXXX Text time : XXXX I think they are trying to get me to give up private information in order to steal my identity. They keep calling.
Product: Checking or savings account

I was a victim of a scam from a company I though I was hired for. I was sent a company check to deposit for expenses in the amount of {$1900.00}. After I deposited the check on XX/XX/22 later that day I recieved a call from the bank with no message. I called back and they told me it was about the check. They said the check was good to disregard the call with no other details. About a week later I received a letter on XX/XX/22 that was dated XX/XX/22 that the account connected to the check I deposited was closed and my account was debited the {$1900.00} plus a {$5.00} return check fee. I called the bank where the check was deposited regarding the letter. I spoke with a bank manager and they told me it was miscommunication and they apologized, but I had already sent out {$1500.00} of the check to a lawyer for expenses for the lease of a new location in my region of NC. If I was notified by the bank on XX/XX/22 that the check was no good I wouldn't have sent the {$1500.00}. My grievance is that why didn't the bank inform me that the check was no good on XX/XX/22 instead of mailing a letter that took a week meanwhile I had already sent the {$1500.00} out. I have corresponding documents if needed.
Product: Student loan

Dear CFPB, I am writing to file a formal complaint against MOHELA, my student loan servicer, for significant and concerning issues with my account that have had severe repercussions on my financial situation, particularly during a crucial time in my lifepurchasing a home. 

On XX/XX/2023, I made a payment on my student loan account ( account ending in XXXX ) as part of the resumed student loan payments. Subsequently, due to a holiday oversight, I allowed a payment to slip by a few days. Upon realizing this, I promptly made the payment, only to discover several irregularities in my MOHELA account. 

Late Fee and Pending Payments : a. A late fee was assessed, as expected, but the payment was still listed as pending, and the upcoming XXXX payment was added to the past-due balance. 
b. Since the other payment was pending, I thought it would be a good idea to go ahead and make the XXXX payment early. However, when attempting to make the XXXX payment, I noticed that all account information was deleted. This is when I realized that the XXXX payment was showing as coming from an entirely different account, ending in XXXX, which was not the account the payment should have come from, nor was it the account the XX/XX/XXXX payment came from. 

Unauthorized Modification of Account Information : a. Without any notification, my account information, including the linked bank account, was modified. 
b. The account information changed without my authorization, violating the law requiring immediate notification of any unauthorized changes to my account. 
Lack of Notification : a. MOHELA failed to provide any notification regarding the change in account information, a violation of legal requirements. 

Inability to Reach MOHELA for Resolution : a. Despite numerous attempts, I have been unable to reach MOHELA representatives to resolve this issue over nearly three hours on XX/XX/2023. 

Impact on Credit and Home Purchase : a. The erroneous delinquency status MOHELA has placed on my account poses a significant threat to my ability to complete the home purchase process. Mohela has failed to reach out to me to advise me of any issues on my account, and when speaking to them to resolve any issues on my account, they have provided unsatisfactory customer service, and seem to deliberately evade allowing me to speak to someone with the proper level of authority to identify what is happening with my account. This gross negligence could jeopardize my home buying process, by showing the account balance as higher than it should be when I sign my closing documentation. 

I am seeking your assistance in holding MOHELA accountable for these actions, rectifying the unauthorized changes to my account information, and ensuring that I am protected against any retaliatory actions, such as reporting inaccurate information to credit bureaus. 

I have attached relevant documentation, including proof of payments, bank statements, and any communications with MOHELA. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution to prevent further harm to my financial standing.
Product: Payday loan, title loan, personal loan, or advance loan

I took out a loan with one main financial. I am not sure if the date but additional products were added to it
Product: Credit reporting or other personal consumer reports

This is my XXXX 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 an 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