23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Bank of America violated the National Mortgage Settlement Consent Judgement - In XXXX, I was denied help from the National Mortgage Settlement, per Bank of America, because I was not delinquent in the last 3 months of XXXX. 
**See attached documents as I have that denial in writing, on their letterhead, and signed Bank of America employee XXXX XXXX . 
In XX/XX/XXXX I received an inheritance from my parents in the amount of {$190000.00}. I used that money as a down payment on the house I currently live in. At the time I took out the mortgage on my home I had a credit score of XXXX, and my income substantiated the loan I received. 
However In XXXX, I lost my job of 15 years, I got a divorce from my husband of 14 years due to the stress, and then I had to file bankruptcy. Subsequently around the same time my interest rate started to jump, and my payments went up about {$1000.00} a month. I applied for a mortgage modification and with all of the lost paperwork - things they say they never received and they did - it took them 2 years and 4 months to approve my modification and it was finalized onXX/XX/XXXX. 
Since I was current on XX/XX/XXXX, BOA stated I did n't qualify for a principal reduction. Subsequently I read the National Mortgage Settlement Consent Judgement and no where in those documents does it state that " anyone that was current on their mortgage in the last 3 months of XXXX would not get any relief as they would not qualify. THEY LIED. Oh, and when they did process the mortgage modification they ADDED {$59000.00} + IN ADDITIONAL PRINCIPAL because of interest, etc. It never added up, and I made every single mortgage payment during the 2 years and 4 months of my application process. Even if it was {$1000.00} negative per month, that would have only been {$28000.00}. If I did n't sign the modification with the principal increase they stated they would foreclose on my home. Oh and did I add that when they gave me the mortgage modification they started my loan all over again at {$510000.00} even though I had been paying the whole time, from XXXX. 
Then because BOA added {$59000.00} in principal I no longer qualified for the Illinois Hardest Hit Fund because my loan had exceeded {$500000.00}. I lost an additional {$25000.00} of help because they perpetuated fraud, and continued to perpetuate the violations of the DOJ National Mortgage Settlement. It is time for [ the banks ] to live up to their end of the deal, or well explore all options to remedy this situation, from fining them to hauling them back into court.The National Mortgage Settlement of XXXX required that certain banks ( XXXX, Bank of America, XXXX, XXXX XXXX, and XXXX XXXX XXXX provide extensive relief to borrowers in the form of loan modifications, refinancing, and even cash payouts. 
I want financial compensation from Bank of America, not only did they steal my entire inheritance of {$190000.00}, they added principle to my loan and they keep doing it! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX BOA Loan # XXXX.
Product: Debt collection

Wakefield calls constantly. We have said, ok, maybe we owe this money, and asked that they send us a hardcopy in the mail detailing what we owe. We have verified our address, but for three months now they just keep calling. Everytime we answer, they say we owe money, and what card are we going to use. If we owe the money we 'll pay, however they refuse to SEND anything in the mail with a balance due on it. They wont stop calling, and demanding money. It 's becoming very frustrating.
Product: Checking or savings account

I can not reach a customer service agent at Capital One to find out what is going on. I was supposed to get paid yesterday and received an email saying my deposit should be in my account this morning. Its not there and Ive tried calling and the call disconnects.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment XXXX, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX  XXXX, CA XXXX U S DEPT OF EDXXXX XXXX XXXX : {$2500.00} Bankruptcy XXXX  XXXXdischarged XXXX XXXX XXXX  CA XXXX Filed XXXX XX/XX/XXXX Reference number : XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX
Product: Debt collection

They've called me every day, 2-3 times a day. I've answered and explained my financial situation, apologized for the late payment and informed them that the soonest I'd be able to make payment is in a couple weeks. The last person I spoke too told me that was unacceptable and the calls would continue until I paid the debt. I told them the phone calls change nothing and that I'd like for them to stop. I'm aware of the debt, but have zero means to make payment until the first week of XXXX. Continuing to call me, even after being given a answer would be considered harassment. The collectors response was " it's not harassment if you owe us money and that's not a suitable resolution, so we will continue to call. '' so I hung up the phone.
Product: Debt collection

Hello I am disputing a account with Capital One. The reason is because on XX/XX/2019 i made a call to Capital One and they told me on call that my account was no longer open .They closed it with no notice or call. They told me the reason why they closed my account and they said because of a reverse payment caused by Fraud. The payment that made on XX/XX/2019was reverse. I feel that this matter needed to be taken care of with a notice or call before they closed my account. So the next step that I made was to contact XXXX my personal Bank account and told me that there was No Fraud Activity on my account. I return a call to Capital One to notify them that there was a mistake and that I needed my  account to be reopened. I spoke to a representative and she couldnt help me so I told her that i wanted to speak to the manager someone above and she also couldnt help me and said that they couldnt reopen my account. I feel that this situation Is a concern and needs to be taken care of immediately. I would like for my account to be reopen and continue paying for it like I have been doing. I am sending my proof of Documents to show that I have been paying on my Capital One account up to date. Please if any questions feel free to call or send me a notice of this concern and matter. 

Thank you
Product: Credit reporting or other personal consumer reports

I am writing to bring your attention to the accuracy and completeness of certain information that has been reported about me. Pursuant to XXXX of the Fair Credit Reporting Act, I kindly request that you promptly investigate and rectify any inaccuracies found within this information.
Product: Credit reporting or other personal consumer reports

Please remove all inquiries off of XXXX & XXXX. 

It is illegal to report transaction history to consumer report.15 U.S. Code 1681b - Permissible purposes of consumer reports. 

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ''
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
XXXX2023


CITIBANK  (CITI.COM)
COMSUMER COMPLAINT DIVISION

DEAR CITIBANK/CONSUMER FINANCIAL PROTECTION BUREAU
REF; XXXX

HOW OR WHY THEY STOLE MY MONEY, YES STOLE. WHEN YOU TAKE  ON OR ABOUT XXXX XXXX 2023 I DISCOVERED THAT A DIDABILTY CHECK XXXX WIRE TRANSFER FROM THE DEPT OF TREASURY HAD BEEN
SENT TO CITIBANK ACCOUNT XXXX( A CLOSED ACCOUNT) BY MISTAKE. YOUR BANK HAS FAILED TO RESPOND BY PHONE WITH ANY KIND OF EXPLANATION
OF WHAT HAPPENED TO THE XXXX SENT TO YOUR BANK MY ACCOUNT NUMBER, I HAVE RECEIVED XXXX DOLLARS FROM SAID CHECK, NOT ONLY DID I NOT GET ANY
HELP FROM YOUR CUSTOMER SERVICE AND FRAUD DEPARTMENT, I WAS LAUGHED AT LIED TO AND HUNG UP ON JUST TRYING TO GET A EXPLANATION OF WHERE MY XXXX 
WAS AND WHY I HAVE RECIEVED NO NOTICE FROM THE BANK EXPLAINING SOMETHING FROM SOMEONE WITHOUT THERE 
KNOWLEDGE OR CONCENT THAT IS CONSIDERED STEALING. BESIDES BEING TREATED SO RUDELY, AND YOUR BANK SHOWING LACK LEADERSHIP IN THIS CITUATION YOU HAVE CAUSED
GREAT HARM TO ME, MY WIFE AND XXXX  CHILDREN,. THE XXXX YOU HAVE IN YOUR POSSESION IS WHAT I OR WE HAVE TO SURVIVE ON EACH MONTH.
BY THE FACT YOUR BANK HAS HELD MY MONEY PERIOD HAS CAUSED UNDO HARDSHIP ON MY FAMILY AND STILL SUFFERING ALMOST XXXX DAYS LATER 
AFTER CONTACTING UR BANK TRYING TO GET ISSUE RESOLVED, EVIDENTLY YOUR BANK DIDNT SEE A ISSUE WITH HOLDING MY FUNDS THAT I SURVIVE ON, MY ACCOUNT WAS CLOSED 
OVER A MONTH AGO DUE TO FRAUDULANT ACTIVITY, SO THEY SAY, WHICH I HAVE COMPLETLY DENIED AND EXPLAINED HOW IT COME ABOUT. I WAS GIVEN THE CHECK FOR FURNITURE 
I WAS SELLING, MADE OUT FOR THE AMOUNT OF PURCHASE PRICE, IF I REMEMBER RIGHT IT WAS XXXX I DEPOSITED IT ON LINE TO CITIBANK ONLY TO FIND OUT A COUPLE 
DAYS LATER THAT NOT ONLY DID IT NOT CLEAR BUT IT WAS FRAUDULANT, FOLLING THE BANKS INSTRUCTIONS I CALLED THE NUMBER PROVIDED, TALK TO THE FRAUD DEPARTMENT AND 
IN AGREEMENT THAT ACCOUNT WOULD BE CLOSED..ITS UNFORTIUNATE THAT MY ACCOUNT CLOSED BECAUSE CITI WAS GOING TO BE MY MAIN BANK, ITS UNFORTUNATE FOR THE TROUBLE 
FOR CITI, BUT EVEN MORE UNFORTUNATE FOR ME, LOSING A BANK, AND XXXX XXXX DOLLARS WORTH OF FURNITURE, THERE WAS NO MONEY WITHDRAWN ON ACCOUNT OR THAT CHECK,
IVE SUFFERED MY LOSES AND ASSUMED IT WAS A CLOSED ACCOUNT, NOW HAVING THEM THE BANK CITI, HOLD XXXX HAS COMPLETLY DEVASTATED MY FAMILY, I NEED THAT MONEY
AND I NEED IT ASAP WITHOUT HESITATION, AS IS I SHOULD BE SUEING YOUR BANK FOR PAIN AND SUFFERING, NOT TO MENTION THE FINACIAL DAMAGES ACCURED. 
PLEASE I REQUEST THE MONEY ABOVE $XXXX BE RETURNED TO ME AND MY FAMILY....

                          THANKYOU FOR YOUR TIME, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed hard inquiries on my credit reports that I did not make. XXXX XXXX XXXX XXXX XXXX Wells FargoXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These were all unauthorized. Theres also a credit like with XXXX XXXX appearing on my XXXX XXXX report I also did not make.
Product: Student loan

On the morning of XX/XX/2022, I contacted EdFinancial directly following the Student Loan forgiveness announcement. I requested to have the payments I made to my Student Loan balance during the XXXX payment pause refunded. Many federal student loan providers such as XXXX XXXX are promptly giving customers confirmations and refunds, EdFinancial did neither for me. After nearly three weeks I have yet to receive any indication of my refund request. I called EdFinancial a second time later on the same day and they were unable to even provide me an email confirmation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company or Organization : XXXX XXXX  {$950.00} I.C. System, Inc {$140.00} Company or Organization : XXXX XXXX hospital {$370.00} all federal trade commission violations reason attached and : In its complaint, the FTC alleges that XXXX  failed to secure the massive amount of personal information stored on its network, leading to a breach that exposed millions of names and dates of birth, Social Security numbers, physical addresses, and other personal information that could lead to identity theft and fraud ... XX/XX/XXXX Fair Debt Collection Practices Act violations specify that debt collectors can not contact debtors at inconvenient times. ... The FDCPA makes it illegal for debt collectors to use abusive, unfair, or deceptive practices when they collect debts. Debt collectors can attempt to reach debtors at their homes or offices.XX/XX/XXXX The penalties for violations of HIPAA Rules can be severe. State attorneys general can issue fines up to a maximum of {$25000.00} per violation category, per calendar year. OCR can issue fines of up to {$1.00} XXXX per violation category, per year. Multi-million-dollar fines can be and have been issued.XX/XX/XXXX all hippa and FTC violations
Product: Credit reporting or other personal consumer reports

I had a hard inquiry on my credit report on XXXX XXXX from " XXXX/MILESTONE ''. I contacted their customer service at XXXX, which was a call center for " Concorda Credit '' in the XXXX. The first representative I spoke with was " XXXX ''. He repeatedly asked for my social security number. I refused, for obvious reasons. He stated he could not access any information without my social security number. I asked for the number for Concura and Concora 's physical address and he refused to give me that information. I asked numerous times for a contact for the actual bank and he refused. I asked numerous times for the bank 's license number and he refused. I have never applied for credit from any entities or affiliates of XXXX XXXX XXXX XXXX Milestone Credit, Concora Credit. They fraudulently conducted a hard credit inquiry without my consent or knowledge. My credit monitoring company reported it to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account that is showing up with the company from XXXX XXXX The account was opened in XXXX of XXXX it was charged off but still reporting on my credit For all three Beauras Then XXXX XXXX  the account was opened in XXXX of XXXX {$270.00} and it is still reporting. 

Thank you for your help in this matter. 
Sincerely XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block inc ) due to inadequate customer service and unfair practice, which violate the Consumer Fraud 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 and Regulation E. These actions have caused significant inconvenience and financial loss. I seek appropriate redress for these violations
Product: Debt collection

In XXXX, I signed for a certified letter from Credit Management , Inc. In XXXX, I ended up paying off my debt through the doctor 's office. I recently received a letter letting me know that this collector is now garnishing my wages. I tried to work with the company, but they were unwilling to work with me. Garnishing my wages is going to cause me to lose my house. They have not reached out to me in over four years. They said they didn't have a good number or address for me. They were able to get my address from the court, and my phone number is online. They didn't try too hard to get in touch with me at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has INTENTIONALLY damaged my reputation and committed WILLFUL neglect/negligence by not removing inquires and accounts I did not consent to. I will continue to dispute this issue until it is resolved. I will take legal actions if needed. Attached is 32 facts backed up by congress. Those 32facts are also violations, TRANSUNION has committed.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 USC 1681. 

Account name XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX  Account name : XXXX XXXX XXXX  Account name # XXXX XXXX XXXXXXXX XXXX XXXX Account name # XXXX XXXX XXXX Account name # XXXX XXXX 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 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.
Product: Checking or savings account

I am a multiple year customer and a good one with US Bank. 

I was attempting to purchase a car and placed a XXXX check drawn on XXXX XXXX XXXX from XXXX XXXX XXXX into my account. This was a certified check. The teller told me the funds would be available that day, instantly. Instead of depositing the check immediately, the teller waited until after XXXXXXXX XXXX  to finalize, or something along these lines. None the less I thought the money was in my account. It was not. 

When I called in to figure out what was going on the agent told me that they placed a hold on the check for 9 days and that I was a high risk customer. When I inquired why that would be, she changed the subject and then eventually disconnected the call. When I called back I was told that they were sorry but there was nothing they could do and that's the policy. SO my payment to the auto dealership was returned and reported to XXXX as a bad check. The bank also refuses to remove the XXXX fee. I did not write a bad check and due to this I have now lost the car I was going to buy as the dealership will not do business with me. 

This is a huge issue for me and not only am I now DAMAGED emotionally, I also have no car and no way to get to work to make a living. I will be suing unless US Bank will pay damages. I will also be forwarding this to the local media as well as making the BIGGEST stink in the world about it as is my prerogative. Legal discovery will commence as soon as this

has been filed with the CFPB. Your teller lied to me and now I have no car, fees, and I may lose my employment. All due to US Bank.
Product: Debt collection

I had taken out a loan and I paid most of it and now they put so much fee that now I owe them {$4000.00} before all I owed them was {$700.00} and when i stopped paying them it cause i had just lost my job and havent find a new job yet now they harassing me with the call  I get about 10-15 phone  a day from several phone area code and this morning received a called about that they are taking legal actions and they will put me in jail if I do n't pay off the whole {$4000.00}
Product: Credit card or prepaid card

We posted a convenience check from Barclays to the payment of a card under XXXX XXXX XXXX totaling {$8600.00} on XX/XX/XXXX. We received what was to be a Promotional APR of 0 % through at least XX/XX/XXXX, and a balance transfer fee of 3 %, but were charged a total of {$97.00} as an interest charge on XX/XX/XXXX, ( as opposed to the 0 % that was stated ) and {$430.00} as a balance transfer fee on ( 5 % vs 3 % ). We called the bank multiple times on XX/XX/XXXX, XX/XX/XXXX, and yet again on XX/XX/XXXX through the phone numbers XXXX ( XXXX ) XXXX and XXXX ( XXXX ) XXXX, and multiple times we didn't get a response, save when we called them on XX/XX/XXXX. The Customer Service person gave us a case number and stated they would start an investigation without an estimated time frame. After this we used another convenience check of {$6000.00} on XX/XX/XXXX, and paid off {$1000.00} in two separate checks of {$500.00} each on XX/XX/XXXX and XX/XX/XXXX. We received another statement balance on XX/XX/XXXX where we received another interest charge of {$100.00} when we shouldn't have received one once again. We called them again on XX/XX/XXXX to dispute this, but were told that our account would be under investigation for another unspecified timeframe. They told us that we would be transferred to another supervisor, but they hung up on us instead.
Product: Debt collection

XXXX XXXX. {$430.00} I contacted this company with proof of the violations taking place along with a invoice to pay for violations. 15 usc 1692c -communication not allowed by debts collector. 15 usc 1602 I am the original creditor 18 usc 08 the government agreed to assume all liabilities that arise under transaction using my social security number.
Product: Credit reporting or other personal consumer reports

Recently I reviewed my consumer report, I noticed charged off and collection accounts. These accounts have been deleted from XXXX which report to XXXX, Transunion, XXXX. The information being reported is inaccurate and is a result of fraud. I did not give any written consent to XXXX, XXXX, XXXX  and XXXX XXXX to open any accounts in my name. This is a violation of my privacy and I demand these accounts to removed.
Product: Checking or savings account

On XX/XX/19 I deposited my paycheck of {$1200.00} into my Bank of America checking account. As always, they held my check and gave me {$200.00} of it. This morning on XXXX my account was negative {$200.00} and they froze my check for absolutely no reason and now I have XXXX money to survive.
Product: Student loan

I've called Navient multiple times to Settle/Pay off my stundent loans, current balance of {$22000.00}. Most recently called on XX/XX/XXXX, after getting the same answer multiple times and from previous calls made on XX/XX/XXXX & XX/XX/XXXX. Not willing to take a settlement amount, even though my principle on the loan ( s ) was {$16000.00}. Last call I asked to speak with a supervisor, was put on hold for a few minutes, same gentlemen got back on the phone said his supervisor was busy and that he asked him and backed up what he'd been telling me that there's isn't any settlement options for Federal Loans when they are in good standing. There might be more options if I were in default. I'm really want to just get my loans paid off, but at this point I'm not willing to pay the amount that Navient wants because every time I've called they've been rude, disrespectful and unwilling to work with me what so ever.