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

Direct deposit not in my account going on day 3. Have been on hold for 1 1/2 hours and still on hold with customer service. It is Friday and still no money. This is causing hardship and I will be late on payments, reported to credit bureaus, can't pay bills, can't buy groceries, can't buy necessities for my family. This is ridiculous.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX A SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 A SOC SEC # XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Debt collection

I asked Ally Financial to cease all phone calls through a written letter I faxed. I also sent a second letter after they called my home again at least two times a day. I even told a representative over the phone I wrote the letter and she said it did n't make a difference. They gave me 30 days notice by mail ( dated XXXX XXXX ) to make a payment arrangement and repossessed my car ( XXXX XXXX ) anyway without giving me the 30 days. I explained to them in the letters I attached I started a new job and would n't get paid until XXXX XXXX. Ally does n't follow laws or promises to consumers.
Product: Checking or savings account

I am currently a navy federal account holder. Ive been with navy federal since XXXX. They have been charging me over draft fees even tho I have over draft protection. Of course I paid it but that isnt fair.
Product: Checking or savings account

XXXX payment of {$1500.00} made on XX/XX/XXXX through USBank to XXXX XXXX at XXXX  XXXX XXXX. Taken out of my account immediately, scheduled as instant payment XXXX has not received as of XX/XX/XXXX. XXXX  XXXX XXXX says not received. US Bank insists XXXX has received. US bank stated will not refund until claim is completed, taking XXXX days. 
I believe it should be refunded now since their system error. I had to send paper checks to XXXX so am out {$1500.00} through no fault of mine. I have made these rent payments through my account to hers for over 2 years with no problems until XXXX and XX/XX/XXXX. I have have been a US Bank customer for many years. I believe this is a form of theft by XXXX, which Federal Reserve says is owned by US Bank
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against TransUnion, a consumer reporting agency, for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and rectify a violation regarding the reinsertion of previously deleted material into my credit report. 
I sent a Letter to TransUnion notifying them of the reinsertion of XXXX XXXX account number XXXX into my credit report without proper certification of accuracy and notification to me, as mandated by FRCA section 611 ( B ). Despite waiting for 35 days, TransUnion has failed to remove the reinserted account from the credit report, continuing to violate FRCA regulations. 
TransUnion 's actions have caused significant inconvenience and potential harm to my credit profile, impacting my ability to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with TransUnion, they have neglected to take appropriate action, demonstrating a lack of accountability and compliance with federal consumer protection laws.
Product: Checking or savings account

XX/XX/XXXX later night ( can be XX/XX/XXXX AM time ) I was working as XXXX XXXX  when XXXX of XXXX  stole my phone where was all my information and all my bank cards. 

I stoped another car and asked to call police for me. they showed up. explained everything and we opened a case. 

XX/XX/XXXX as soon bank opened I went to Bank of America office ( address : XXXX XXXX XXXX  XXXX, NY XXXX ) and spoke to 2 bank employee ( names : XXXX XXXX and XXXX XXXX ). They checked my account and was no any transaction in my account. They told me i was totally fine and i do not need to worry. Right after my visit I got message that money ( approximate {$3000.00} XXXX transaction ) from my account was transferred to someone. 

When I went back to BANK and ask them how that happen. they told me it was done by XXXX transfer and gave me customer service number. i file a claim and received email from them THAT as it was done by XXXX online there is nothing they can do. 

I do not know what to do and who can help me out. as Bank do not take any responsibility even i went and told them to protect me. As per bank employee XXXX XXXX if needed she will confirm everything if needed. 

If needed can get proof from police that i file it rather away. 

Please help. 

Thanks, XXXX XXXX
Product: Mortgage

I have received a a letter from Mr.Cooper Mortgage Company dated XX/XX/XXXX. After reviewing this letter, I once again find myself filing a formal complaint against this company. This would be my third complaint. I believe that this company is practicing predatory lending. I can only imagine how many people are being affected by these illegal, ill moral, and unprofessional practices. 

In the letter the company has stated that my mortgage payment is increasing to {$1500.00} per month. When I phoned the company. they stated that the increase was due to no insurance on my property. As I have stated in previous complaints I purchased insurance on this home after the death of my father in XXXX of XXXX from XXXX XXXX XXXX XXXX. The insurance has been in force from that date till present without any interruptions, as XXXX XXXX withdraws the monthly fee from my bank account each month. 

I have provided a copy of the letter from the mortgage company and a copy of my recent insurance statement. According to XXXX XXXX XXXX XXXX, this document was mailed to Mr. Cooper in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, These two mortgage companies reported false information on my credit reports. 
XXXXXXXX XXXX and SPECIALIZED LOAN SERVICES. 
I have NEVER done business with them. 
I NEVER applied for a mortgage with them I have NEVER signed any documents with them. 
I DO NOT OWE THEM them any money. 
During the past year, I have sent a total of 6 letters to each of these two creditors and also 6 letters to all 3 credit bureaus asking them to review and delete the false reportings. And only XXXX removed XXXX XXXX  from my report but not SPECIALIZED LOAN SERVICES. 

At this time I am very upset and seeking legal action and support from your organization as these false reportings are causing me a world of troubles.
Product: Credit reporting or other personal consumer reports

The original creditor XXXX XXXXXXXX notified me that the account has been closed & for the credit bureaus to block the information from reporting
Product: Student loan

I have been telling Navient for since XX/XX/2023 that I am unable to make payments and they have not been willing to work with me. They all me every day at least 5 times a day even though I have told them that I will call them when I am in a better financial situation. 

They have now started calling my friends and family. I am not sure how they obtained their contact information, but I have received XXXX phone calls today just from family members along with XXXX missed phone calls to my number from navient. 

This is harassment. They are leaving messages for my family saying that they need to find me or a final decision will be made without talking to me.
Product: Mortgage

XX/XX/XXXX I receive documents from mail it was Payment History from Bank of America. I have requested payment history for XXXX through XXXX. This is where the Fraud occurred. The Bank has originated date of this loan year XXXX. This Loan has 5 different loan number and 4 different FHA number. XX/XX/XXXX thru XX/XX/XXXX I receive email that my Loan number was changing. The old number is XXXX. The new number is XXXX.Payment history dated XX/XX/XXXX the Loan number is XXXX. Why would the new number be on a XXXX payment history. 
New number wasn't activated until XXXX. This is mortgage Fraud. I found another payment history year XXXX only thing on this payment history is the last 4 digit. 
XX/XX/XXXX Hazard Insurance taking out account the amount of {$3100.00}. XX/XX/XXXX Hazard Insurance {$3700.00} was taking out account. XX/XX/XXXX Hazard Insurance {$2600.00} taken out account. A total of {$9600.00} taken out account within one month for Hazard Insurance!!!!!!! 
( I XXXX XXXX give my wife XXXX XXXX XXXX XXXX speak on my behalf ) My name is on the Mortgage. XXXX XXXX and XXXX XXXX XXXX is on the Deed. I will not sign any documents from Bank of America
Product: Bank account or service

I have already settled the balance that it is saying I owe ( {$250.00} ) years ago. As it is, there is no branch for me to walk into to settle this issue, and it is causing financial issues for me. I have already paid the {$250.00}. 28.
Product: Credit reporting or other personal consumer reports

This is XXXX of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX Balance : {$14000.00} XXXX MORTGAGE XXXX Balance : {$250000.00} XXXX XXXX XXXX XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not confident that you have accurately fulfilled the guidelines of the Fair credit reporting Act in executing your Investigation. I did not file for bankruptcy. This is an attorney error. I had a consultation with a bankruptcy attorney but declined to move forward. The attorney filed without my authorization or expressed permission. I was told this was resolved and then found a bankruptcy on my credit report! I never filed. I never went through bankruptcy. Please remove it immediately. 

XXXX XXXX Bankruptcy Filing Date XX/XX/2016 XXXX XXXXXXXX
Product: Credit card or prepaid card

Ever since I opened my Edd acct the Edd has deposited over XXXX. On my acct but Bank of America is not giving me my money they keep filling claims that its been over 8 months and I have not been payed on them! Also my recent deposits are now been deducted even when my card has been canceled and Im waiting to receive it yet transactions are still taking place
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$190.00}, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On/around XX/XX/XXXX I sent Transunion my ftc report XXXX a police report and also and affidavit of truth certified mail, proving them with information/instructions on what to report on my consumer export ad well as what needed to be removed. They failed to remove all said accounts and inquiries. I reached out to them on/around XX/XX/XXXX and advised them if error and they advised they would open a dispute after I advised they had all my paperwork already. They still didnt removed said accounts. Damaging my credit
Product: Student loan

I have been getting calls everyday twice a day ( both home and cell ) from both places I have student loans from. XXXX XXXX and Navient are constantly calling whether a payment is scheduled or not. XXXX XXXX will not work with other payment arrangements either.
Product: Mortgage

I started a mortgage application with BOA because they solicited me about possibly reducing my current mortgage rate with them. I am a current mortgage holder with BOA. We went through the entire process and got to the end where we were setting a closing date and they asked me if my home was on the market. I said yes and they said we can not continue. Why did they not ask this at the beginning. They advised me to take the home off the market which I did for 6 months. Then 6 months later, we started again, had the appraisal redone and then they declined me because I had business expenses on my American express and my income could not validate the charges. I have been a XXXX for 16 years and have had my XXXX since XXXX with no late payments. I get reimbursed for business expenses. They declined me again and I put the house back on the market. I voiced a complaint several times and they would not contact until I threatened to make a formal complaint. Then they said we need additional info to process the mortgage and I gave it. Then they said we can not refinance when your home is on the market. take it off the market again for 6 months. This has been a bait and switch since the start and cost me money and time I do n't have. BOA is so unprofessional. Now over a year later my re-fi still has not been done. Not to mention I had to XXXX them every step of the way to get anything done. I think they did not want to give me the lower rate at all. They are happy to trap me in at their higher rate.
Product: Student loan

I have become delinquent on my private student loans due to an illness which prevents me from working. I tried to contact navient to ask for medical forebearence, but they say that my loans do not offer any recourse if i become ill or XXXX. not they are calling me 10 times a day and harassing my relatives as well. 

Navient makes me want to kill myself, i swear to XXXX i will if they do n't stop CALLING!
Product: Bank account or service

I filed a complaint with the XXXX in regards to the poor service that I received from Huntington National Bank and their refusal to refund full fees for a simple mistake. There was a {$10.00} difference. The staff was rude, very condescending, and antagonized me. After the complaint w/ the XXXX was filed, Huntington decided they were going to close my account and provided NO reason as to why the account was being closed. This was after I decided to let the matter go and did n't even respond to rebuttal their XXXX response. Instead, they waited until the day after XXXX closed my complaint and mailed a letter stating they were closing my account. So I complained about their service and they close my account? I, as a consumer, reserve the right to file complaints and seek assistance in resolving my matters. I have only contacted Huntington on XXXX occasions and this was my XXXX complaint with them.
Product: Credit card or prepaid card

Hello! 

I'm trying to resolve a set of disputed charges on my Citi card. On XX/XX/XXXX, a set of fraudulent charges from XXXX appeared on my statement. I've attached a list of the related transactions. The sum of charges and refunds adds up to {$150.00}, not {$0.00} as it should. 

Citi noticed the suspicious activity, called me to confirm I didn't purchase anything from XXXX, then credited my account with three security credits matching the original charges. 

Simultaneously, XXXX issued partial refunds of {$200.00} and {$200.00} to my account. On XX/XX/XXXX, Citi concluded the investigation and attempted to reverse the XXXX refunds, leaving the SECURITY CREDIT ones. Unfortunately, the refunds were for {$350.00} and {$230.00}, which didn't match the original XXXX credits issued to my account. 

After the full set of charges and chargebacks, I'm still owed {$150.00}. 

I've tried getting in touch with Citi repeatedly since XXXX. I've made a half dozen phone calls to their fraud department and used the online chat to try and resolve things. I still don't have the refund I'm owed. 

Couple other notes. It's been hard to track down the transactions since Citi migrated transaction history to the new card number and purged the old one from the web dashboard I can see. Also, all of the transactions were dated to XX/XX/XXXX, but the security credits posted on XX/XX/XXXX, and the final XXXX charges posted on XX/XX/XXXX. 

Thank you very much.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple late payments on my account that are inaccurate and I tried resolving the issue with the reporting agencies in which they responded with " account verified ''. I was never provided a copy of how the account was verified and my report is still showing these inaccurate late payments for XXXX XXXX XXXX, XX/XX/XXXX ; XXXX XXXX, XX/XX/XXXX ; and XXXX XXXX XXXX, XX/XX/XXXX. I have sent in multiple letters requesting that these late payments be removed because they are inaccurate and wrong.
Product: Credit reporting

there is a collection account on my credit report from XX/XX/XXXX it was open from the XXXX account nubmber # XXXX there have not been no activity on this account and 30 years into i dispute it in XX/XX/XXXX the account is to old to stay on report you can call me at XXXX i can talk to you more.
Product: Checking or savings account

On XX/XX/XXXX, I deposited a check in the amount of {$10000.00} through the Chase Mobil App. I received a confirmation of the successful deposit of the check, followed by the email from chase online banking through the secured portal the following day, on XX/XX/XXXX. The email instructed that check is beeing reviewd and that the funds will be available on XX/XX/XXXX. On XX/XX/XXXX, Chase withdrew {$10000.00} from my checking account, alleging that the check was altered/fictitious and resulting in a negative balance in my checking account. XXXX XXXX, who wrote me the check, confirmed that she wrote this check to me in her written statement, the check was not altered or previously deposited. There was no mutual agreement that this check will be voided or destroyed by me. The check was not altered by any means since it was given to me as a payment for the her rent and living expenses. I have been trying to resolve this with my bank since XX/XX/XXXX. No resolution as of XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX not reporting rent history that they do for others when requested fair housing act FCRA violations see attachments for proof of history
Product: Checking or savings account

On XX/XX/, I put money into Well Fargo bank with 3 checks, but I made the mistake of taking a picture of the check to put money into my account without taking a direct picture of the check ( because I just arrived ). US so I don't know this is wrong ). Well Fargo bank took the money from those checks and put them in my account. But on XX/XX/, the bank announced that my account was closed and would retain my money in 3 checks to investigate fraud. If you have any questions, call their phone number. I have contacted many times and each time I call I receive different instructions to get my money back. I have worked many times and I am really tired of the instructions to get my money back. They just talked over the phone and they didn't have any written instructions clearly instructing me on what to do. Every time I call up, a different instructor comes along with different instructions. I'm XXXX and I don't know English. Every time I call up, I have to ask an interpreter, which is very tiring, when I want to talk directly to the bank staff. I have to drive more than 1 hour to meet the bank staff who can speak XXXX to help me and they also understand my fatigue and sadness but they don't do anything. Whatever they did, they just called the anti-fraud department and then guided me this way and that according to the phone department 's instructions. I have fulfilled all the requirements they want but I still haven't received my money back for over a year. I asked someone to write a check for me but to no avail. I've been clamoring at Well Fargo for 1 month but they still haven't responded to my clamor even though I have a clam number. I'm so tired and fed up of this type of work, I pray to God that I get my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # 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 an account without my written instructions! ) US Bankruptcy Court, XXXX Fl Reference # XXXX 2 ) XXXX XXXX XXXX. Amount XXXX 3 ) XXXX XXXX XXXX. Amount XXXX
Product: Debt collection

I went on XXXX this morning and there was a change to my account that XXXX had sold an account to XXXX Collection. I have been disputing the validity of the debt with XXXX, and falls collection has submitted to the credit bureaus that this is a collection WITH OUT GIVING ME ANY WARNING THAT THEY HAD PURCHASED THE ACCOUNT, NOR HAD THEY GIVEN ME ANY CHANCE TO DISPUTE THE DEBT. XXXX has done this with XXXX different account and is practicing deceptive methods to try and get issues resolved. I have never heard from falls, nor have they sent me anything with and account number or validation. I will dispute this to court if need be s this is quite illegal how they are practicing