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

On XXXX XXXX I noticed an unauthorized XXXX transaction was deducted from my checking account in the amount of {$1400.00}. I immediately notified my bank at which point they closed the checking account and proceeded to open a new one for me. The following day I noticed {$23000.00} wired out of my savings account. I once again contacted my bank and they closed all of my remaining accounts and advised me to contact their fraud division on Monday. After speaking with the bank on Saturday, I immediately went to the police station and filed a police report. Further review of my account indicated that a phone number of XXXX was added as my main point of contact although I did not add this number and do not recognize it. The wire transfer had been sent to a company called XXXX XXXX  XXXX in XXXX XXXX even though I am not in contact with anyone from that city and do not know this company. While the bank did refund me on the {$1400.00} transaction they are denying my claim for the {$23000.00}, claiming that the transaction had been done by the device I regularly use for banking. I have been a customer with my bank for 28 years and have never had any problems with the law, had any charges against me or acted unlawfully in any way. I would not try to carry out an illegal scheme to defraud my bank for personal gain. Per my bank 's request I have even taken my computer at my own expense to have tested for any traces of a hacker. While 3 of the places I contacted told me they would not be able to identify if my computer had been hacked but could only clean my computer from any spyware that it might have been infected with, the 4th one said they might be able to do so although after working on my computer and charging me for it he was ultimately unable to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was hacked. 143 million people had there identities stolen. Contracted equifax and they could not tell me if my info was stolen. What is this????? I 'm very concerned. Little or no information coming from Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account XXXX with Rocket Mortgage. Rocket Mortgage continues to hit my credit report. Today I was informed about a NEW Account being set up with Rocket. Identity Fraud Keeps sending me alerts about Rocket Mortgage. I refinanced and am paying auto payments and am current! STOP HITTING MY CREDIT. I WANT ROCKET MORTGAGE TO STOP ANY AND ALL CREDIT INQUIRIES TO MY CREDIT OR ADDITIONAL ACCOUNTS.
Product: Debt collection

Company attempting to collect a debt not owed and lowering my credit score by fraudulently claiming this debt.
Product: Mortgage

I received a letter from my mortgage company, Plant Home Lending, requesting proof that I had hazard insurance and telling me they had forced placed insurance put on my account. My home owners insurance was supposed to be paid through escrow by my lender. Upon calling my mortgage lender to find out what happened, they admitted to me that they had all the information about my previous policy but simply did not make the payment for my homeowners insurance and admitted this was just their mistake. Enough time passed and my policy was canceled for non payment. They then put forced placed insurance on my account without notifying me until 11 months later after charging me 4 times what my previous policy would have been. Now as I shop around for a new homeowners insurance policy, I am getting denied by everyone because of the forced placed insurance that I have had. This is going to cause me to pay much more money in homeowners insurance, if I can even get approved, for a mistake that was completely my lenders fault. Absolutely ridiculous.
Product: Checking or savings account

On Monday, XX/XX/XXXX, I was called 4 times in a row by Ally bank fraud department number. I called the number back, it was indeed ally bank, so on the 5th call I answered. I was asked my two security questions, my favorite dog and my mothers maiden name. These ARE my questions from ally. I answer accordingly. They also confirm the last four digits of my debit card AND my mailing address. All of which they had I did not give out. They proceed to say there are 3 charges from XXXX Texas I need to confirm or deny. I deny them as they are not me. They claim one is a XXXX payment and the only way to ensure this payment doesnt go through is to withdrawal all the funds in my checking account so the payment is rejected. They claim they are freezing my accounts and my debit card and will expedite it at no charge. They will reimburse the {$15.00} fee that will occur if I overdraft and within 24 hours the account will be safe. I receive a text IN and ally bank text thread I already had, with a code. I read the code. They confirm things are frozen and I'll wait for a call on Tuesday. I text my husband and say hey dont use our debit cards. Next thing I know {$3600.00} is being taken out via XXXX XXXX. I immediately call back the number, ally fraud department picks up, they say theyve never called me. They did not authorize any frozen accounts or debit cards. I explain the situation by ally claims I authorized the transaction and am responsible. While I know now this was a fraud, this person used the ally bank number AND texted me within a thread already open with ally bank. They had all the right information including my security questions. When I went to screenshot the text, it quite literally disappeared. I clicked on it and it was gone. I have filed a police report and disputed the charges but ally is unwilling to cover the loss.
Product: Credit card

Synchrony bank sent a notice with my latest bill ( received XX/XX/24 ) that starting within the next 60 days, a {$1.00} paper statement fee will be charged to my account each month I am sent a paper billing statement with a balance greater than {$2.00} ( even if one is also provided to me in electronic form ). 

They are trying to charge me for a billing statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I certified the letters to credit bureau and to the company 's sent me a payment sheet i never did business.
Product: Checking or savings account

On XX/XX/23 at XXXX ( PST ) our company, XXXX XXXX , sent a same-day domestic wire of {$26000.00} to our Business Checking account at JPMorgan Chase, these funds were from our invoice factoring company XXXX XXXX and the wire was sent from their account at XXXX XXXX XXXX . After the funds were not received by about XXXX I began making inquiries with XXXX XXXX to confirm the wire had been sent as well as Chase to make sure it was received. XXXX was able to confirm the wire details and provided written confirmation with a XXXX XXXX #, however Chase at first claimed to have not received the funds, then only after being provided with the proof from XXXX XXXX XXXX did they admit they had indeed received the funds, but the wire was being put into review while further information had been requested from the issuing bank. I asked what information was requested so we could followup and confirm with XXXX XXXX that the information was complete but we were told it was confidential bank information and couldn't be shared. I spent XXXX hours on the phone with various departments until I was told there was nobody else that could help and to call back the following day, despite the pleas from us that the delay of these funds would cause our company extreme harm as our fleet insurance payment was pending to be covered by this wire. 
Chase made no honest attempt at resolving this issue in due time and their lack of serious attention to this matter may have caused our company to be at risk of closure. As of XXXX tonight, XX/XX/23, the funds remain in review and we continue to suffer the financial consequences of Chase ' terrible customer service and questionable banking practices. I attempted to escalate this to their Executive Leadership Team and was told they only respond via a CFPB complaint, which I'm more than happy to log against them. This is bordering on theft at this point and I want a serious investigation as to what Chase is doing with customer funds while they supposedly " review '' these transactions, because if these funds are sitting in anything other than a trust or escrow account then I believe they're doing something potentially illegal or outside of regulatory rules for use of customer funds.
Product: Credit reporting

While reviewing my XXXX, XXXX and XXXX credit report, I noticed an unauthorized and fraudulent inquiries initiated by CAPITALONE AUTO FINANCE on XXXX/XXXX/2016. I did authorize any employee of CAPITALONE AUTO FINANCE to review my records for any purpose at any time. This inquiries are fraudulent and constitutes gross negligence on the part of the CAPITALONE in clear violation of my civil rights under FRCA and Privacy Rights. As a direct result I have continued to suffer discrimination and irreparable economic loss including but not limited to denial of meaningful employment.housing and /or obtain new credits.
Product: Credit card

I was a victim of fraud and identity theft in XX/XX/XXXX. I reported the fraudulent charges immediately, but Capital One denied my dispute without conducting a proper investigation. Now, they claim my case does not exist and have locked my account, preventing me from accessing my dispute records. This is financial negligence and a violation of my consumer rights. 
- {$1800.00} - I have called over XXXX times to be transferred repeatedly in an endless loop for the last XXXX years. 
- Created a new investigation in XX/XX/XXXX, with no case number and the investigation was denied without proper review. 
- Credit score went from XXXX to XXXX
Product: Student loan

I graduated college in XX/XX/XXXX, in XX/XX/XXXX I had started paying off my student loans at a loan by loan process. My goal was to pay off my higher interest loans immediately with cash I had saved prior to, in hope that I could drive my aggregate interest rate down, when I decided to make an attempt at consolidating the loans. Around XXXX, after doing exactly what I planned and paying off the higher interested rate loans, I started inquiring about consolidation options. At the time, the highest interest rate loan i had was approximately 4 %. By XX/XX/XXXX, after reviewing my account to attempt to pay on my loans, I had noticed, without any signature or confirmation from me that Navient consolidated and disbursed at a 5.125 % interest rate. The worst part about all of this is that they had reimbursed me for ( 2 ) loans I had paid in full ( 1 @ $ XXXX/6 % Interest ; 2 @ $ XXXX/5 % interest ) without my authorization. The other explanation that was not provided to me, was that the consolidated subsidized/unsubsidized student loans had an interest rate that accrued daily, essentially giving Navient a 100 % return on the note over the 20 year term. I would have never signed off consent for a loan structured in this fashion, and would never agreed to such an inflated loan. I have paid roughly {$11000.00} to Navient over the past 4-1/2 years, of that roughly {$3000.00} or more has been paying on interest, that is not 5.125 %. Navient wasn't even the original note holder on my loan, some how without me knowing, Sallie Mae was no longer in the picture and Navient took me to the cleaners.
Product: Money transfer, virtual currency, or money service

I have been discriminated against and neglected by simple bank. Starting around the XXXX of XXXX up until this very day. Early XX/XX/XXXX I had my wallet an dcel phone stolen, I reached out to simple to send me a replacement debit card, due to the fact I was broke from no work do to covid19, and my direct deposit from unemployment was coming to that account. basically time was critical. when i called the representative had no problem updating my address, which was changed, and verified, as per simples website stated, the issue was she made ann error while inputting the address, my address is XXXX XXXX XXXX XXXX XXXX, but she changed it to XXXX XXXX XXXX XXXX XXXX, from that day XXXX second, i was promised an overnighted debit card and did not reeive my card until XX/XX/XXXX. All due to the team at simple not allowing me to change my address without the proper verification. Yet again, the initial time i called and needed the address changed, the woman did change it, furthermore, she changed it to the wrong address! I have absolutely no connection or verifiable document to link me to an address that is not even mine, and they verified it, but when i try to change the mistake, I am rather left to suffer, with no money and no way to access most of it, until they deem its fine, I will send alll chat messages i have, what has happened since this has been absolute XXXX, i will let the chat messages explain, but breifly : I was given permission to send money from my account to my XXXX XXXX in order to be able to receive funds, i was allowwed three times, they unbloked my now stolen card, let me make the transferl then reblocked it in real time. that until they decided i was not allowed to to this anymore, and denied me after the third time. 

they have over XXXX dollars tied up in disputes. one most importantly is for 300+ dollars from a 3day hotel stay in which i found bed bugs in the bed. I have video evifence, which i sent the first day i started the dispute, on XX/XX/XXXX, its not been almost a month, i have received no provisional credit, in fact, as im writing this email i received an email from the disputes team, sking me to email these supporting documents ( ie the video evidence to them. i have sent them this proof three. times. now. 

they allowed a merchant to direct debit XXXX dollars from my account when i had a XXXX  balance
Product: Credit reporting, credit repair services, or other personal consumer reports

I have identified items on my consumer report that is a result of identity theft. The information reporting is not accurate and is an improper use of my information. Please delete and block all negative information reporting. These inquiries and/or late payments aren't accurate, was not a transaction authorized by me. These are the following : XXXX XXXX, XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XX/XX/XXXX The CRA have old addresses on my file that leaves me vulnerable to more possible identity theft. My current mailing address XXXX XXXX XXXX XXXX New York.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX XXXX XXXX in XXXX, XXXX, as well TransUnion, for failing to remove multiple unauthorized credit inquiries that were made without my consent. This is my third time requesting for proper investigation and nothing has changed. 
XXXX XXXX XXXX unlawfully ran my credit several times without my written or verbal authorization, in direct violation of the Fair Credit Reporting Act ( FCRA ) 1681b. Despite disputing these inquiries with the dealership and the credit bureaus, they have failed to take action and continue to report these hard inquiries on my credit file. These unauthorized inquiries have damaged my credit score and are negatively impacting my ability to obtain credit. Details of the Issue : 1. Unauthorized Credit Inquiries by  XXXX XXXX XXXX : Date ( XXXX ) of Inquiry : XX/XX/year>, XX/XX/year>, XX/XX/year> XXXX. Failure of Credit Bureaus to Investigate & Remove Inquiries : I disputed these unauthorized inquiries with XXXX, XXXX, and TransUnion, providing evidence that I did not consent to these inquiries. 
Despite providing supporting documentation, only TransUnion failed to conduct a proper investigation and refused to remove the inquiries. 
FCRA 611 requires credit bureaus to investigate and correct inaccurate or unauthorized information. Their failure to do so is a violation of federal law.

4. Impact on My Credit : These hard inquiries have lowered my credit score, affecting my ability to obtain credit or favorable loan terms.

I have suffered financial harm due to this inaccurate reporting.
Product: Money transfer, virtual currency, or money service

I I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

The accounts listed below are charge off and/or closed accounts that are continuously updating inaccurate information each month. A charge off account should NOT have any active payment history. The information reported falsely manipulates the statute of limitations. 

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 U.S.C. 1681c.

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. 

ACCOUNTS # XXXX XXXX >>>>>> PLEASE DELETE # XXXX XXXX >>>>>> PLEASE DELETE # XXXX XXXX >>> PLEASE UPDATE XXXX XXXXXXXX XXXX XXXX XXXX PLEASE DELETE # XXXX XXXX XXXX XXXX XXXX PLEASE DELETE
Product: Credit card or prepaid card

When I opened this card I had incorrect information on my credit report leading to me having extremely high interest. I have since discovered and corrected the error. I have spoken at length with Goldman Sachs employees to see if there is any allowances, processes, etc. To re-pull my credit or otherwise base my APR on my actual credit worthiness. I have continually been contacted by people who refuse to answer my questions or generally do not understand the question, but are happy to tell me there is no possible way to lower the APR.
Product: Checking or savings account

XXXX direct deposit was not deposited on its usual time/day. Chime agents could not tell me why or how long until they get it fixed. Its been 3 days now with no money, no communication, and no estimated timeline of receiving my direct deposit. 

( Other coworkers with other banking institutions received their direct deposits as usual ).
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX, XXXX Re : Debt Validation Request for Account # XXXX To Whom It May Concern, I am writing to request the validation of a debt that has been reported on my credit report by your company, XXXX XXXX XXXX XXXX XXXX According to my credit report, this debt is associated with Account # XXXX and is categorized as a secured installment loan. 

I am seeking validation of this debt as I have no knowledge of it, and I dispute its accuracy. Please provide the following information to validate the debt : 1. Documentation demonstrating that XXXX XXXX, XXXX has the legal authority to collect this debt. 
2. The original loan agreement, including the terms and conditions.

3. A complete payment history, including all transactions and charges associated with the debt.

4. The date of the last payment made on this account.

5. Any additional information that can verify the legitimacy and accuracy of this debt. 

I am requesting this validation in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Until this debt is properly validated, I dispute its validity, and I request that all collection activities cease. 

I kindly request that you provide the requested documentation within 30 days of receiving this letter. Failure to provide this information within the specified time frame may result in further action to protect my rights under federal law.

Please send all correspondence regarding this matter to the address listed above. I prefer to communicate in writing to maintain a clear record of our interactions. 

Thank you for your prompt attention to this request. I look forward to receiving the requested information and resolving this matter as soon as possible. 

Sincerely,
Product: Mortgage

I have been trying to get a loan modification since XX/XX/2012, up until yesterday my case was closed for a fourth time even after the representative told me i had handed in all my information requested in a timely fashion. 
I 'm tired upset and aggravated at this whole process that i believe US bank is playing with my time. I 've complied to all of their request, their not even denying me based on income but keep saying i have n't sent in the information when i did and have proof that i emailed it to them and they even responded with emails saying they received my paperwork, i do n't know what to do next so I 'm making this complaint to you then my next step will be the media outlets of XXXX. Thank you in advance for looking into this
Product: Mortgage

I was contacted from a person saying he was from Ocwen Mortgage used their XXXX number, claims to be a manager from the modification dept. Promises a modification to whatever amount we could afford ( since we are behind on payments ), and lures is to send through money gram {$1000.00} with an hour to an attorney to start the process. His name is XXXX XXXX continues to call from the XXXX number that belongs to Ocwen and also his own personal number that he told me to call. Continues to request more money! He is harassing me and threatening to foreclose. No one from Ocwen knows who he is they have started an investigation but I 'm still behind on paymentsand after trusting this person saying he was from Ocwen I can not make the payment. I need Ocwen to assume responsibility for this and return the money this person took from me and execute an honest modification.
Product: Credit reporting, credit repair services, or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Number : XXXX Balance : {$2200.00} Account Number : XXXX Balance : {$4600.00} Account Number : XXXX Account Number : XXXX 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