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

Bank of America, without any notice, locked me out of all seven accounts I have with them, accounts I have had for decades. Total deposits total over {$500000.00}. When asked why they did this, they only say it was a business decision. They did this on XX/XX/year>. As of today, XXXX XXXX I do not have my funds. Numerous calls have been made, they have lied to me repeatedly saying the funds will release the next day and be mailed to me. It never happens. They now have my funds for over 30 days and continue to use my funds to their profit. This has had a catastophic affect on me and my business. I have had to borrow money to keep my head above water. This should be illegal!!! Had they simply requested I leave the bank, I would have made that happen in a day. They also blocked a wire for $ XXXX and $ XXXX by refusing to confirm the wire to my new bank, XXXX, so XXXX was forced to return the wire and this cost me {$50.00} per wire plus the wire fee of {$30.00} that I paid to Bank of America.
Product: Student loan

XXXX has switched loan service providers from XXXX to XXXX XXXX. I am being charged NSF fees for no reason. My bank account has been the same since the transition. XXXX XXXX customer service has told me they can not do anything about it ; XXXX must resolve this situation. Their customer service is mediocre at best. They are difficult to reach and very dismissive. I would like the fees to be waived.
Product: Mortgage

In XX/XX/2020, after the first 15 years, my mortgage loan ( " balloon '' type ) reached their maturity status. According to the terms of the loan, 60 days before this date, the bank was supposed to send me a letter stating the options I had for the next 15 years. I did not received any letter from the bank regarding this matter. Since XX/XX/2020 I tried to connect with the proper division at FirstBank but not until XX/XX/2020 was I directed to the Loss Mitigation Division. 

My complaint is that the bank is not willing to accept the terms that were specified in the original loan to take place after the first 15 years. This is so according to the documents the bank send me after paying {$60.00} to get it ( I am submitting copies of these documents ). 

Before that an officer from First Bank responded in the following manner to my request : " I hope you are well, the case was consulted with our lawyer and since it is the case of the Firstbank portfolio, the case is worked differently than the case in XXXX XXXX, because that other loan is from a XXXX XXXX investor and they have a product to work with as a streamline. Now to work with the expired ballon you have with us, you must submit documentation to be reevaluated and let you know the new terms and conditions of the loan. '' This is different from what the original terms of the loan specified.
Product: Payday loan, title loan, or personal loan

I made a large payment to my loan ( {$8100.00} ), but not the entire loan in preparation of paying it off. BSI received my payment on XX/XX/22, sat on it for a week and then cashed it on XX/XX/22. With every other payment that I make through the same XXXX channel, they take my payment and apply any overpayment towards principal. I called BSI multiple times and seemed to get a different story each time I called. One person would tell me it should be applied in a couple of days, then someone would tell me to wait longer, then someone would say it is delayed because it was a large payment, then I was told it they were sending it back because I paid too much. I asked for a supervisor and was told someone would call me back. Nobody called. The next time I escalated, I was passed to a voicemail. Again, nobody returned my call. Meanwhile, I am paying interest on the loan and they are earning interest on my payment This is highly unethical given the run around and refusal to apply the payment towards my principal. I simply want all additional interest accrued from XX/XX/22 until this loan is resolved to be credited back to me. Anything less is highly unethical.
Product: Mortgage

From : To : Consumer Financial Protection Bureau XXXX XXXX XXXX Notwithstanding the documents ( XXXX  ) and in defiance to the order of the C.F.P.B. ( C.F.P.B.ADMINISTRATIVE PROCEEDING File No. 2024-CFPB-0007 and 2024-CFPB-0007 Document 2 Filed XX/XX/year> ). Fay servicing continues to overcharge me. 
While I believe I have been patient with them, I do not like to be ignored and then subjected to retaliatory action for pressing the issue. Fay servicing has not corrected the overcharge and now intends to charge me even more.They are charging me for wind insurance that they have purported to have purchased, even though I have documented to them that I have wind insurance. And they confirm this. They now intend to continue to charge me for wind insurance, and now hazard insurance, plus State property taxes, that I have already paid for, and notified them of. 

Fay servicing ignores both the filings through their webclient ( XXXX XXXX XXXXXXXX and CERTIFIED mail ( see enclosed ). 

They now propose to overcharge me in excess of XXXX $ a month. 
Almost XXXX yrs ago I notifed Fay that I had wind insurance, ( as well as the current " Hazard insurance '' ) with documentation ( XXXX  ), through their webclient ( XXXX XXXX XXXXXXXX ) after several attempts, and getting confirmation that they had received the documents, They continued to charge me for the wind insurance. I then resorted to Certified mail to communicate. They did finally respond that they received the documents, however they continue to overcharge me. 
I now need to file a complaint with the C.F.P.B. To try to get Fay Servicing to stop overcharging me. 
I have included documents from Fay showing the charges they intend to impose. Also XXXX XXXX XXXX XXXX documents that show I have the insurance. Again Fay has been served these documents a number of times ( and they confirm this ) However they continue to overcharge me. 
Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts an address, and inquiries listed on my credit report that do not belong to me. Please remove them. Thank you.
Product: Debt collection

My identity and personal information was stolen without my knowledge and or consent. Accounts were opened and services applied for without my knowledge and or consent. I have notified these companies and tried to resolve the issue with them to no avail. They refuse to close these accounts and remove them from my name and credit reports.
Product: Credit card or prepaid card

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Date opened XX/XX/XXXX Amount of {$4700.00} this has been a battle since XX/XX/XXXX when I discovered this account. When I received a phone call demanding payment. When I called Discover card last week, they told me the reason I received a bill, was because they could not invalidate or validate fraud so I was held liable for this account. I said so you want me to pay you money for something I never had never used? The guy I was talking to from the fraud department said well someone has to. I asked is there anything I can do, and he said no because we can not invalidate or validate that this was fraud. I asked him to reopen fraud investigation, and I receive a letter stating they can not do so without additional information. I asked the guy what more can I do. I already made a report with the Federal Trade Commission. Im going on XXXX years old I dont know what to do. Please help me. I 'm on XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. This is not the way I want to spend my last bit of life. Please help me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XX/XX/year> EQUIFAX XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax, I am writing this complaint to dispute inaccuracies on my credit report related to account XXXX XXXX XXXX XXXX # XXXXRemove this account for inaccuracy & false reporting because the payment history reflects. XXXX through XXXX ( 120 days ) late on Experian. ok payments XXXX through XXXX for Equifax & Ok payments for Transunion XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX for inaccuracy because the payment history reflects continue reporting after this account closed on XXXX. Delete this account because the notice of dispute as required within 30 days time-frame from the date of my 1st dispute was received, pursuant to section 623 of the FCRA. Delete this account for inaccuracy because the date last paid on Experian reports XXXX N/A Transunion Equifax XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Delete for inaccuracy because the payment history reflects last payment XXXX on Experian. Equifax reports it charged off 60 days late. Transunion reflects nothing. XXXX XXXX XXXX XXXX Delete this account for inaccuracy reporting. Experian is reporting it as a collection past due as of XXXX. Equifax has it reporting as {$0.00} payment history. Transunion has no payment history reporting. I want to bring to your attention that any addresses, phone numbers, email addresses, variations in my name, spelling, initials, and suffixes that differ from the information I am providing are incorrect and should be removed immediately. I do not recognize these discrepancies as accurate. My correct personal information is as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, PA XXXX Email : XXXX I am aware of the Fair Credit Reporting Act ( FCRA ), particularly Sections 623 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 1 ) ( C ), which prohibit furnishers from reporting data they know or believe to be inaccurate to a Credit Reporting Agency ( CRA ). As per the FCRA, if a consumer notifies a furnisher of incorrect information, the furnisher is obligated to cease reporting this misinformation. Non-compliance with the FCRA can lead to legal action from the Federal Trade Commission ( FTC ), Consumer Financial Protection Bureau ( CFPB ), state governments, or directly from consumers. The FCRA specifies maximum penalties of {$4700.00} per violation for lawsuits initiated by the FTC. The incorrect listings on my credit report have a negative impact on my credit. I am concerned that I may be mistaken for someone else with a similar name in my city or state. It is important to note that these inaccuracies are not reported by other credit bureaus. I prefer to be contacted only via mail or email for any correspondence regarding this matter. Sincerely, XXXX XXXX
Product: Checking or savings account

I purchased item from store, did not deliver the product, wanted to dispute the charge, after contacting the store. Bank stated its fraud when it is not and wanted to shut down my debit card. 

XX/XX/2020 - XXXX XX/XX/2020 - XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX has been contacting me repeatedly. I informed the agent not to call me when during my work hours XXXX to XXXX on XX/XX/2019. On XX/XX/2019 they called me twice in the span of an hour and a half. 

When I called back, I requested information on the individual or entity that is claiming that I owe a debt. They agent informed me that it is coming from a contractor who worked at XXXX Hospital. I informed the company that I was insured and received no communications about the debt until four years after the fact. She informed me that my ability to dispute is over cause its past one year and that " I NEED '' to resolve this debt. She would not let me get off the phone and I had to hang up. 

They were unable to provide me contact information for the company that is claiming that I owe money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Credit reporting, credit repair services, or other personal consumer reports

Iam a federally protected consumer. I sent letters excising my rights. Pursuant to 15 usc 1681b any reporting agency ( Equifax, XXXX  and XXXX  ) may furnish a consumer report in accordance to the written instruction of the consumer. I have never been given the option to opt out nor gave any written consent. NO CONSENT IS IDENTITY THEFT
Product: Checking or savings account

My SoFi Bank Account was restricted/closed in the middle of XX/XX/2024 & they wont give me a reason why, I believe someone accessed my online account & made fraudulent activity. I dont know that for sure but that was only thing they told me that there was fraudulent activity with my account. SoFi wont give me a reason why or how, or when will they release my available funds left
Product: Credit card

Saturday, XX/XX/year> Consumer Financial Protection Bureau Online Portal RE : Accounts ending in : XXXX, XXXX Dear Consumer Financial Protection Bureau, I am writing to bring to your attention an issue with Capital One Bank concerning accounts that have been charged off. Capital One Bank has reported these charged-off accounts on my credit report as balances owed, despite having filed them as profit losses on their taxes. I have not received a Form 1099-C from Capital One Bank for these charged-off accounts. 

According to IRS regulations, when a creditor writes off a debt as a loss, they are required to furnish the debtor with a Form 1099-C to report the canceled debt as income. This allows the debtor to accurately report the income on their taxes. 

Capital One Bank 's failure to provide me with a 1099-C is concerning, as it prevents me from fulfilling my tax obligations correctly. I believe I am entitled to receive this form promptly so that I may include it in my tax filings. 

Furthermore, under the Fair Credit Reporting Act ( FCRA ), creditors are required to provide accurate information regarding debts. Incorrectly reporting a charged-off debt as an outstanding balance on my credit report while claiming a tax loss could constitute inaccurate reporting. 

If Capital One Bank does not furnish me with the Form 1099-C or remove the accounts from my credit report due to inaccurate reporting promptly, I am prepared to pursue legal action for statutory damages. This situation is causing undue stress and financial uncertainty. 

I kindly request your assistance in directing Capital One Bank to fulfill their legal obligation by providing me with the necessary Form 1099-C for the charged-off accounts. Please advise me on how best to proceed in resolving this matter.

Thank you for your attention to this urgent matter. I look forward to your prompt response. 

Sincerely,
Product: Payday loan, title loan, or personal loan

On XXXX XXXX, 2020, I went to XXXX XXXX in XXXX, AR to purchase tires. XXXX XXXX offered financing through Westcreek Financial. The tires I needed for my truck are expensive so that seemed to be the best option. No information was given to me about the lease while in the store, nor was I given a physical lease agreement or asked to sign anything other than the form verifying my personal information. XXXX XXXX performed the service on my truck and sent me on my way. A few hours later I received an email saying I needed to sign the lease agreement. I never signed it. Westcreek took money out of my account every week for some time. When I had paid around {$700.00} of the loan I called to see how much remained, as plaza said my credit line was around {$800.00}. Westcreek then informed me that {$800.00} was the original payoff, since I hadnt paid it off in a specific amount of time the final price was now around {$2000.00}. I told them I wasnt given any information at XXXX, nor did I sign the lease agreement or even receive one until after I had left the dealership. Nonetheless I offered to pay the rest of the original amount and Westcreek denied. Given legal advice from a close relative, I was assured that I should leave it alone. I offered payment and it was refused. Westcreek also says they have a copy of where I signed the lease agreement, but that is absolutely impossible. On top of everything else, I asked them to stop calling me. Every day I receive around 3-5 calls from Westcreek. I was also legally advise that it was harassment. I have nowhere else to turn, other than hiring an attorney. If it comes to that point, Ill be ready. But Im trying everything else before. Thank you so much for your time.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX. 

Equifax XXXX XXXX XXXX, XXXX,XX/XX/XXXXXXXX To Whom It XXXX Concern : I am writing to update/correct my personal information on file with your company. 
Please update my name to : XXXX XXXX XXXX XXXX Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX My only Social Security XXXX is : XXXX My only and correct Date of Birth is : XX/XX/XXXX I do not wish to have any telephone number on my report. 
Please remove all the other addresses on my report, as they are not deliverable to me by the XXXX XXXX XXXX, and they are not reportable as per the FCRA, since they are inaccurate. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Attach Driver License, XXXX card, and proof of address
Product: Bank account or service

I sent a letter to Citibank special delivery on XX/XX/XXXX. Informing them that they have been responsible for unfair bank practices, consisting of Authorization holds on my checking account, excessive overdraft fees and re ordering of transactions in order to make a profit from my misfortune. I opened a checking account with Citibank shortly after XX/XX/XXXX and In XX/XX/XXXX the Federal Reserve prohibited banks from automatically enrolling customers in overdraft coverage.This I was not aware of at the time I opened the account nor was I told during the time I held the bank account with them that I could opt in or out of such coverage. Therefore the bank have been making charging me excessively and unfairly in accordance with the law. I wrote in the letter that there have been a large number of settled lawsuits in the United States for exactly what Citibank have done to me. I mentioned that they have been acting illegally and that I would like to recover all my bank charges back from them that I have incurred from XX/XX/XXXX until XX/XX/XXXX. As full and final settlement.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I submitted an ACH wire transfer request to US Bank for {$12000.00} to pay a vendor for services rendered to my trade show company. I later found out that my email had been hacked and I was the victim of a sophisticated hoax in which the hackers had impersonated my vendor and made the request that I send the funds to a fraudulent bank account. Upon further research, I found I had made another transfer to another vendor on XX/XX/XXXX via US Bank under the same circumstances for {$7200.00} After informing US Bank of the hack, they researched the fraudulent activity and found the circumstances in my favor and on XX/XX/XXXX they refunded the {$7200.00} amount back to my business checking account. 
I am filing this complaint because US Bank denied my claim for the {$12000.00} amount. When I contacted the fraud department on XX/XX/XXXX via phone to ask why they would deny this claim and approve the other, XXXX XXXX declined to give last name or direct contact info ) agreed that the ACH transfer was processed identically to the first one for {$7200.00}. But then she then went on to tell me that the processing time was different. I told XXXX that the {$7200.00} claim happened before the {$12000.00} and she then told me it was denied because the amount was larger!! I asked to speak to her supervisor, XXXX XXXX also declined to give last name and contact info ) XXXX offered to send back up documentation supporting their decision to deny the larger claim. I received 4 copies of computer printouts with writing so small as to be completely illegible. ( Attached ). Realizing that a real person had to print these out and put them in an envelope and mail them to me, I find this response extremely insulting and unprofessional.
Product: Credit reporting or other personal consumer reports

I've been communicating with the 3 bureaus to get all of my old addresses off of my report because I no longer live or own at these establishments. The addresses below need to be deleted ASAP off my credit report due to the FCRA. 
I recently conducted an investigation on my credit report, which has caused severe distress. I discovered unverifiable, invalidated, inaccurate, and questionable items that your agency failed to ensure were reported accurately, as mandated by 15 U.S. Code 1681e ( b ) on the accuracy of reports. 

According to 15 U.S. Code 1681i ( 5 ) regarding the treatment of inaccurate or unverifiable information, if, after any reinvestigation under paragraph ( 1 ), any disputed information is found to be inaccurate, incomplete, or can not be verified, the consumer reporting agency is required to : ( i ) promptly delete that inaccurate information from the consumer 's file or modify it appropriately based on the reinvestigation results, and ( ii ) promptly notify the furnisher of that information about the modification or deletion from the consumer 's file. 

If you are unable to provide me with verifiable proof within 15 days after your investigation, I request that you remove the accounts and/or the listed information. Thank you for your assistance with this matter. 

XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type - XXXX XXXX XXXX XXXX, TX XXXX Resident type - XXXX XXXX XXXX XXXX, MA XXXX Resident type My ONLY current address is XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Debt collection

XXXX, I recieved a letter of unpaid debt collection in which i was not aware of till 2 days ago. i recieved a bill of {$75.00} in which I do not carry a XXXX account therefor, resolting in no use for the XXXX XXXX. I want to correct the violation mistake XXXX has caused.
Product: Checking or savings account

On XX/XX/XXXX sent my girlfriend XXXX through XXXX and she never was able to get it. The Bank won't help me find where the money went. I would like to know where or to who the money went.the transaction # XXXX
Product: Credit card

date range of transactions : XX/XX/2023 - XX/XX/2023 total amount : {$17000.00} actions taken : attempted to create a class action lawsuit from law firms. Having problems with Chase service called " My Chase Plan ''. So far, can't find a firm to resolve this concern. 

carding ending XXXX $ XXXX $ XXXX {$190.00} $ XXXX {$1400.00} = {$160.00} $ XXXX $ XXXX {$110.00} $ XXXX $ XXXX {$160.00} $ XXXX $ XXXX {$110.00} $ XXXX {$960.00} = {$110.00} $ XXXX $ XXXX {$21.00} $ XXXX $ XXXX {$16.00} $ XXXX $ XXXX {$110.00} total cost for card ending XXXX : {$12000.00} total fee for card ending XXXX ( disguise as interest ) : {$1000.00} carding ending XXXX $ XXXX $ XXXX {$940.00} total cost for card ending XXXX : {$4400.00} total fee for card ending XXXX ( disguise as interest ) : {$940.00} total cost for all cards : {$17000.00} total fee for all cards ( disguise as interest ) : {$1900.00}
Product: Credit reporting or other personal consumer reports

It is incredibly frustrating that I have attempted to reach out to you and inform you of all the inaccuracies in my credit report and yet nothing has been resolved, checked or verified. I do not want to feel as if my rights as a person with credit is being neglected so please check the inaccuracies in my report.