23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX } { XXXX XXXX XXXX XXXX { XXXX } { Credit Bureau : XXXX XXXX XXXX  } { Credit Bureaus : ALL 3 } { XX/XX/2022 RE : Request for Investigation of Unauthorized Credit Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on { XX/XX/2022 } and I noticed an unauthorized credit inquiry had been made. I contacted { XXXX XXXX XXXX  }, who conducted the inquiry and asked them to remove their credit inquiry from my credit report. I request that you investigate the [ XXXX XXXX XXXX  ] inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within XXXX business days of completing the investigation. Thank you for your assistance in this matter, { XXXX XXXX  }
Product: Checking or savings account

On XX/XX/XXXX, my husband deposited {$6000.00} from his XXXX XXXX XXXX account to our joint banking account at Bank of America. The Bank of America teller told my husband thatcheck would be on hold for two days. During that week, 2 autopays were charged to our BofA checking account. One payment for {$47.00} and another for {$300.00} both were returned and I we were charged merchant late fee charges. My husband made a deposit from the same retirement account last month on XX/XX/XXXX for {$5500.00} and never was there a hold put on the check. This check deposited on XX/XX/XXXX was held for 10 days For no reason. Not only were we charged late fees from the merchant but we were charged limit withdrawal fees using money out of our savings account so we could survive without any money for 10 days. I was able to get one of the savings account limit withdrawal fees waived but there are two additional fees. Since my husband used that retirement account the month before there is no reason that {$6000.00} check should have been on hold for 10 days I have contacted a Bank of America supervisor and spoke to two customer service agents. Explaining that my husband has two accounts in his credit union. The retirement account has been well established however he opened a another account and made it rather large deposit from his annuity I can understand why that one would have been held for 10 days but not the {$6000.00} check resulting in Unnecessary fees. We should be compensated for the late fees charged by the merchant and our savings withdrawal limit fee.
Product: Checking or savings account

bank closed my account and wont return my funds or even tell the reason they closed my account or how to get my funds back
Product: Money transfer, virtual currency, or money service

XXXX XXXXXXXX I had {$110.00} taken out of my Cash App account by an unknown person named XXXX XXXX, that I did not authorize. I was driving home from out of town I noticed. When I called Cash App to talk to them they looked into the issue, but did not refund my money. I had another attempt on the account for the same amount under the name of XXXX XXXX. The kept trying to load money from my account until it was successful. XXXX XXXX I had XXXX dollars taken from me again. XXXX XXXX an unauthorized person took money from my account. They wrote thanks for the delivery. However the payment was sent to them from me which I did not authorize. Through a spand of a few weeks there were multiple attempts on my account from XXXX XXXX XXXX, on my account. I had been receiving my employment checks through Cash App because it was all I had at the time. I have had multiple problems but did not know how to report it properly.
Product: Credit card

I have had an aspire credit card for several years.I close the account last year and they are still charging me a twelve dollar and fifty cent monthly fee for open account maintenance. When I called in to report a problem and told them that the phone call was being recorded They ended the call and said they will not talk to anybody.That records phone calls and they now are blocking me and will not talk to me because they say I am recording them even though it is legal under New Mexico.State law for me to record them
Product: Credit reporting or other personal consumer reports

I filed a complaint numbered XXXX on XX/XX/23 about credit reporting agencies releasing my mobile phone and email to the public without my permission. Currently I have been bombarded with hundreds of phone calls and a few emails XXXX XXXX weeks after filing the above complaint! I have tried to block every call I received, and I have kept a list of these phone numbers If you need them for evidence. This entire process is a massive case of harassment and an unethical business practice and puts the burden of stopping this on the consumer and not the businesses responsible. If your not going to issue a cease and assist to this, your must forward this to the appropriate agencies that have the authority to halt this process. While I was lodging this complaint I just received four unsolicited phone calls, you can't make this sh -- -- -t up!! 

Please take action and report back to me with your results and results of the agencies responsible. I can not be the only one suffering from this exploitation. I am a XXXX XXXX, working in the XXXX  and XXXX XXXX for over XXXX years, XXXX at the XXXX level, XXXX XXXX University level, and XXXX University level, my job was always to XXXX XXXX XXXX XXXX fight for justice and fair treatment, now its my turn! 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Friday XX/XX/2023 my phone was stolen. Saturday morning I went to buy a new phone. I tried to log in to my bank account from my new phone and chime suspended my account claiming suspicious activity even though I logged in with my accurate information. I sent them the information the asked for 3 times and they still have not recovered my account. I was literally at a restaurant unable to pay my tab because they locked my account. I was also stranded for hours unable to call an XXXX home. I need my account opened immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint it was resolved you sent the resolution XXXX removed the derogatory information but XXXX  has not. 

The debt was covered by insurance I had a secondary insurance.
Product: Credit reporting

I would like to have this info. removed from my report. 
Cause this is not my information at all.
Product: Money transfer, virtual currency, or money service

This event started began when I attempted to transfer money from my cash app account to my bank account. As near as i can figure my account was hacked and this transaction was taken over by a 3rd party who interfered with it and sent me through a number of money transfers that they said was necessary to verify my identity. The amount to be transferred was XXXX, however the documents that will be attached to this complaint will show that there were many transfers that left with XXXX that was not put back into my account. 
The event began on Friday the XXXX of XXXX and went on over the weekend until the XXXX of XXXX when my suspicions were verified when I discovered CFPB website that described an incident very similar to mine with Cash app and a subsidiary of Square Inc . 
I also have text messages from the two people who were a part of this " scam " XXXX and XXXX that outline their involvement with these transactions. 
I attempted to contact Square inc from the app for support but did not hear back from them until several days later.
Product: Credit reporting or other personal consumer reports

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your XXXX of XXXX. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney XXXX 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX you may be liable for your willful non-compliance.
Product: Mortgage

We lost {$80000.00} to wire fraud as a direct result of negligence and malpractice exhibited by Bank of America. Our mortgage broker told us it was OK to send the remaining down payment to a fraudulent account before we even had a a clear to close. 

Furthermore, BOA was an obstacle in our attempt to recall funds. They refused to follow FBI protocol in submitting an LOI with a fraudulent wire recall. They labeled it as scam and not fraud. We have received no communications, assistance, or confirmations from BOA Saying that they will attempt to recall our funds. 

BOA refused to process our mortgage correctly and as a result we are at risk of losing our earnest deposit of $ XXXX as well. They can not get the application passed the underwriter and they can not provide any reasons for the delay. XXXX says it's because the underwriters are overworked and there is a shortage. We are past our closing date of contract. 

I will lose {$110000.00} of my own personal money because I chose to work with BOA lending. XXXX XXXX, XXXX XXXX, XXXX XXXX all refused to handle this correctly. 

BOFA ignored the norms of the industry they work in, they are negligent in their work and my assets were stolen from me as a result.
Product: Vehicle loan or lease

XXXX  case ID XXXX I purchased an XXXX  at XXXX of XXXX in XXXX VIN : XXXX I paid it off in XXXX, at which time the title was mailed to me however I lost it We moved to XXXX from New Jersey, so we bought a new car in XXXX. The XXXX XXXX needs a Lien Release for the title. XXXX of XXXX can not assist. I am trying to get in touch with American Honda Finance, however it's impossible. 

There is no chat, there is no email, and the hours are only weekdays XXXX to call in. When I've tried to call in, the wait times are XXXX minutes but no one ever picks up even after an hour+ I have called the number on the XXXX complaint but its American Honda motor, different company. Ive asked the receptionist at that number 3 different times for someone ( a human ) in the financial company and she just puts me on hold and sends me to the motor company. I have asked to speak to legal but have never been patched through to them After filing a XXXX  complaint, American Honda financial lied to the XXXX   claimed they spoke to me- they never did Its impossible to contact anyone at Honda financialXXXX Ive tried XXXX  for contacts and scraping linked in. 

Honda financial seems to be purposely and methodically discouraging and preventing consumers from obtaining a lien release I am happy to support the cfpb in any actions taken against or motions filed against American Honda financial, not only for my own benefit but for the likely countless others who have given up and suffered material harm. Im disgusted, frustrated, and insulted by their blatant abuse of robot phone barriers and refusal to help what should be a simple request. 

Honda Financial seems to have set this up specifically to discourage folks from making contact with them. I'd advise them to get a more robust & modern customer support system set up. However in the meantime, I need my Lien Release ASAP.
Product: Mortgage

My problem is with Wells Fargo, they are the servicer of my FHA mortgage loan and they are refusing to give me a chance to save my house. They are not assigning a dedicated contact to review my information, they are not even opening a case to consider my financial situation and have set a foreclosure auction date to sell my home. I feel this is wrong and that they should be allowing me to be considered for options to save my home because I suffered a true hardship, but am now in a more stable financial status. 

I worked as a XXXX for 12 years but was hurt on the job in XX/XX/XXXX. I had enough money saved to continue making my mortgage payment to Wells Fargo for a few months. I had applied for workers compensation but this took several months to get approved. When I ran out of money in XX/XX/XXXX I could not afford my mortgage payment because I still had not received the workers compensation money. After I was a couple of months behind someone from Wells Fargo contacted me and I told them I needed help and needed to be reviewed for the programs set up to help people who are behind on their loan. However, despite several attempts I have made no progress with Wells Fargo. Instead of opening a review for the different programs that I know should be made available to borrowers with FHA loans Wells Fargo has set a sale date. 

I am now receiving my workers compensation and also able to do some part time work. I also have rented out some rooms in my home to boarders so that I have enough income to afford my bills and mortgage loan payment. I want nothing more than to resume making the payments on this loan all the way till the end. My problem is that Wells Fargo has not given me a chance to be considered for these programs. I have spoken with a counselor who told me that Wells Fargo is required on FHA loans to review me for modification, partial claim, forbearance plan or repayment plan, not to ignore me. I am also aware of the fact that Wells Fargo received approximately XXXX dollars in bailout funds from US taxpayers and that they are supposed to work with struggling homeowners. My problem is that I ca n't cut through the bureaucracy at Wells Fargo and get them to play fair and work with me to resolve this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is still reporting that my XXXX credit card was closed when XXXX has reopened it. I have opened a dispute but experian is still showing erroneous report. My card from XXXX was closed although I paid my bill. XXXX has since reopened my account. Experian is also the only company still reporting erroneous late payment when XXXX   and XXXX do not have those on my credit report. I have submitted a dispute about this.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

JPMCB Card Services XXXX XXXX XXXX XXXXXXXX XXXX XXXX I am referred to 15 USC 1692C I am not paying this bill and do not wish any further communication nor it to be reported to the credit bureaus. This is not my account and I only had signing privileges.
Product: Money transfers

I recently opened personal checking and also preferred business checking accounts with Citibank. Yesterday, I linked my account ( same owner ) in another bank to Citibank for " External Transfer. '' However, Citibank puts a daily limit of {$2000.00} for online transfer to account in another bank even though they allow another bank ( via same transfer method ) to transfer In ( to Citi ) up to {$100000.00} max per day. When I called Citi support, they asked me either use Bill Pay or do wire transfer to my own account in another bank and pay wire fees every time. Bill Pay does not meet requirement of account to account direct transfer from XXXX bank to another. The only viable options are online account to account transfer ( XXXX3 bus days ) or wire transfer ( same day ). So I think it is totally unfair that Citibank insists its clients to use wire method to transfer funds to another bank for funds above {$2000.00} but allows free transfer of funds into Citi up to {$100000.00}. I was also told by Citi person that Federal regulation prevents Citi from increasing this limit above {$2.00} per day, which I am not sure is true (? ). If this was true, then why my other bank ( Tech CU ) lets me transfer out up to {$100000.00} per day. 

My multiple calls to Citibank have resulted into no clear answer or willingness to even address this problem. I would highly appreciate if someone from CFPB can investigate this and ask Citi to either increase their daily limit for online transfer of funds to external accounts or waive wire fees in such cases. Pls note online transfer takes XXXX3 business days. 
Thanks, XXXX
Product: Bank account or service

Dear XXXX, From XXXX XXXX until XXXX XXXX of the present year, I was a victim of fraud ( almost the amount of {$1000.00} ) because someone duplicated my card. I have been in touch with Bank of America since XXXX XXXX, 2016. They made a mistake regarding the specific fraudulent transactions, and I had to fax them ( twice ) the corrected list after carefully reviewing and speaking with an account supervisor for almost three hours over the phone. As of today, I have spoken with numerous agents of Bank of America, including XXXX account supervisors and an account manager. The bank refuses to reimburse me the stolen funds on the basis that " it does not look like fraud. '' They said over the phone that they denied my claim because ( 1 ) the transactions happened where I live ; ( 2 ) I said I had the card with me at all times, ( 3 ) I said my boyfriend used my card in the past ; ( 4 ) the transactions happened in a period of one week ; ( 5 ) the criminal stopped using the duplicated card when it was restricted ; ( 6 ) I checked my online banking while this was happening. Regardless of the excuses the bank has used to deny my claim, I contend that I did not perform those transactions, neither anyone I know. I was a victim of fraud, and the Bank does not want to take responsibility and give me the stolen money from my debit card/checking account. I am a full time worker, and a part-time student. I struggle to pay for college and living expenses. The monies stolen from me through bank of America have caused me additional financial loss as I have had to pay for overdraft fees and the like as they left me with {$14.00}. The last thing that Bank of America told me, and that was last week, was that they denied my claim because I did not include evidence of who the criminal was along with the fax I sent them with the corrected list of fraudulent activities. I am attaching the following : - Call log to BOA from XXXX to XXXX - Employment verification letter and emails confirming exact hours of employment showing that I was in fact working when many transactions were occurring. 
- Last fax sent to BOA, which includes the confirmation of a fax previously sent to them ( which they said was never received ), a police incident report, the list of transactions with dates and times as provided by BOA Account Supervisor, and the bank statement with the transactions highlighted. 
- Mail received from BOA. 


Thank you for your attention. 

XXXX XXXX. 
XXXX XXXX XXXX XXXX
Product: Checking or savings account

XXXX continues to charge my account for things that I had nothing to do with it's been happening for a couple years now I've been reverse reimburse for some things and then something that haven't been and it all needs to be fixed and whatever money needs to come back to me and needs to go back into my XXXX pay account or into my time account and I need to stop I don't know XXXX all that just look into it that's your job and get my money back to me thank you bye
Product: Credit reporting or other personal consumer reports

XXXX XX/XX/year>2024 i received a copy of my credit report and i noticed that a few accounts that are reporting wrong.Are you familiar with something called 15 U.S.C.SEC.1681I ( a )? if you can't provide me with proof these accounts must be deleted.ALSO 15 U.S.C.1681S-2 ( A ) ( 1 ) ( E ) ( iii ) XXXX XXXX XXXX XXXX XXXX, this loan has completed the rehabilitation process.This are the following accounts ( Account name ) XXXX  XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX account open ( Account name ) XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX and XXXX account open
Product: Checking or savings account

On XX/XX/year> someone went on my account and transferred XXXX $ then XXXX $ to a number of XXXX However before this there were other bouts of unauthorized activity 2 transactions on XX/XX/year> I filed a dispute XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX In total these charges add to about XXXX $ initially when the disputes were denied i just would call make sure my account was secured but now this is too much I thought they secured my acocunt this last unauthorized money transfer is the cherry on top as it was from a deposit I got literally the day prior My identity was stolen and im thinking someone gained access through that
Product: Credit reporting or other personal consumer reports

I'm asking for Debt Validation... According to 15 USC 1692g requires debt collectors to follow CERTAIN procedures when validating debts : XXXX : WORLD ACCEPTANCE CORP XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights. 1. I want a detailed list of payments made by me on these accounts. 2. I want to see a signature that I put on a contract guaranteeing that I would pay this creditor. 3. I'm asking to see if there has been any insurance CLAIMS found on these debts. 4. I want proof that you have the chain of title to collect on these debts. Also, According to 15 USC 6802 : Obligations with respect to disclosures of personal information. ( a ) Notice Requirements A financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a Notice that complies with section 6803 of this title. You ; have violated all ABOVE laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Equifax Credit Reporting Agencies are reporting late payments on my student loans with XXXX in XX/XX/XXXX and XX/XX/XXXX, when these loans were place on deferred status during this period and also on forbearance for other periods of time. I have over six student loans and I have never been late with these loans. I have disputed the information for the last two years, with no success. These late payments are impacting my credit and I can't seem to receive any help from XXXX or Equifax. 

Equifax is also reporting a collection account for a physician bill that was recently added after I filed bankruptcy with the original creditor. I have disputed with Equifax several times, with the information still remaining on my credit report.