23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

My family and I went on a weekend getaway to XXXX XXXX. We stayed at XXXX XXXX and on XX/XX/year> while we were there, we were approached by a XXXX XXXX employee about being comped since we were guest. We were told we would be given free tickets of our choosing with additional gambling vouchers and other gifts. We were told we had to sign up for a XXXX hour presentation with XXXX decided to give it a shot and we went to XXXX, XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX. We were set up for a XXXX oclock appointment. When we got there, we were asked to fill out information about ourselves, including our name, our annual gross income, our address. We then went through a sales pitch to sell us a time share. We respectfully declined the offer and wanted to get our gifts and continue with our vacation. We had XXXX different sales individuals try to sell us a time share program. They were very pushy and when we told them that we would want more time to make a decision they told us this would be a XXXX time deal. We still declined and after XXXX hours and XXXX minutes of being there we left. The sales representatives were misleading and pressuring us to buy part of their program when we did not want to. They did not want us to leave without agreeing to enroll. We did get XXXX tickets to adventure dome at XXXX XXXX and a {$25.00} voucher at XXXX XXXX, which did not end up working. 
Later that evening, I received an email that I was approved for a XXXX rewards credit card by XXXX. I did not sign up for any credit cards!! They explained during the sales pitch that they would do a credit check on us to see if we qualified for a timeshare. They never told us they would be taking a credit card Application This is fraud. We had no knowledge of applying for a credit card. I dont know the credit card details or anoint I was approved for. Once o get the card I will be calling XXXX and notifying them of the fraud.
Product: Checking or savings account

Received a Bank of America checking account. Called the Bank of America number and told them i never opened an account and asking how this happened without me showing prof of id and forms of id. They said they would look into it. I asked for statements as i had a statement sent to me that someone put money into it and withdrew money as well. They wouldnt give me much info since i didnt open this myself. Im really upset and unsure how someone opens a checking account in my name- without proof of id amd Im not sure what other info is out there in me for identity fraud.
Product: Credit card

Hello- I received an american express prepaid gift card worth {$400.00} as a gift. On XX/XX/2023, I placed two orders on XXXX within minutes if each other and used this gift card as the payment method.

1st order : single item for {$20.00} - payment for this went through and I received the item already 2nd order : 5 items ordered together for total of {$280.00} - Payment was declined. 

XX/XX/XXXX : I reached out to XXXX customer service and they said its an issue with the bank. I reached out to Amex gift card customer service same day and was told that they could put in a request to lift restrictions on this card. I was also told that the compliance team will lift the restrictions in 24 hours after which I could use the card for the same purchase without any issue. 

XX/XX/XXXX : I updated the XXXX order to use this gift card and the payment was still declined. I contacted Amex customer service and was told that I could not use the card for that order and that I could use it in physical stores. When I specifically asked the agent about the compliance team lifting or clearing the restrictions, she did not have an answer or response for me. I requested to speak with their manager and have been on hold for greater than an hour now. 

When every other person relies heavily on online shopping, it is shocking that a big company like American Express would prevent their customers from using the gift card on online stores. I do not shop at physical stores for the bulk of household items we purchase and would like Amex to issue me a check of the remaining balance on the gift card ASAP. The {$400.00} gift card was a generous baby shower gift from my co-workers and being heavily pregnant at the moment in my last trimester, I prefer to use this at online stores so I can shop from home for convenience. Amex customer service has made baby shopping a very painful experience for me and I am afraid I won't really be able to use the money on this card if my purchases are randomly declined and randomly accepted. Finally, there's a good chance XXXX won't honor the reduced prices of XXXXXXXX XXXX which is when I placed the order. 

While having restrictions in place to identify and stop suspicious charges is appreciated, making customers life difficult by not providing us a means to get around this even when we contact your representative is pretty shabby customer service and a product that doesn't help us in any way when almost everyone relies heavily on online shopping. Meanwhile I have never had any such issues with visa gift cards in the past. I will make it a point to let everyone in my family, friends and co-workers know about this issue with amex gift cards, more so as a public service announcement from my end. 

All said and done, I am writing this complaint here so Amex can atleast send me a check for the remaining balance available on my card of about {$370.00}. This is the least they could do if they can not work to fix their algorithms for fraud detection or get around them with human interference. Hoping this will go to the right person/team who can work with me on this.
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 practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proces was unfair and deceptive, as they did XXXX XXXX with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

Worked with Quicken loans to refinance home. They were misleading about lender fees therefore withdrew consent on application and went with another company. They charged my credit card  XXXX  $ without explanation or authorization. I never authorized this payment. They have some serious business practice issues with regard to misleading customers and not fully disclosing their fees. After they were denied my business they unlawfully charged my card. I am disturbed by this company being allowed to operate in this manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Equifax Credit Burea is showing that I owe my Credit Card Company ( XXXX ) a balance of {$8500.00}. Credit Card ending in XXXX. This information is incorrect, old and is destroying my current Credit Score. This card was paid in full several months ago, destroyed and I have since been issued another card by XXXX. I notified XXXX concerning Equifax 's Reporting and I was told in writing that XXXX does not control Equifax 's Credit Reporting.
Product: Credit card

On XX/XX/2021 I became aware of an " invisible account '' by Wells Fargo. A former employee was visiting a Wells Fargo teller and cashing unauthorized checks. This went on for 10 years. Wells Fargo says I am responsible because I must review my monthly account. But, I am signed up for electronic statements and the account was not listed as an account on my dashboard. They refer to this internally as " an invisible account ''. Over the 10 years, the bank profited from the interest I was paying. I would like my money back and credited back to my small business.
Product: Mortgage

My mortgage was with XXXX. In an letter dated XX/XX/2019, XXXX undertook an escrow analysis and indicated that my new mortgage payment would be {$3800.00} starting XX/XX/2019. In XXXX of 2019, BSI Financial purchased the loan from XXXX. I made timely payments to BSI Financial and in XXXX of 2019 pursuant to the letter form XXXX began payments of {$3800.00}. BSI has refused to recognize these as payments in full and claims I owe {$400.00} per month more. BSI claims that the new lower payment of {$3800.00} will begin in XXXX of 2019 with no explanation of why the Roundpoint letter/date was invalid. 
I have filed 2 requests on-line with BSI to investigate this matter and have received no response. As follow up to a call from BSI, I emailed BSI the XXXX letter indicating the new payment amount ( {$3800.00} ) and that that payment began XX/XX/2019. I received no response. 
BSI has called me 3 times and in each case I have asked for a response in writing. I have received nothing from them in response. In a recent call BSI suggested that I make payments of approximately {$800.00} to them now that they would refund in XXXX. I noted for them that this sounded like a scheme and I would not be making the payments and accept a refund unless they proposed that to me in writing. To date I have received no response.
Product: Checking or savings account

i would like to know what the XXXX bank of america is doing??? there has been 3 investigators call me and all 3 dont know what the XXXX theyre doing??!!!! they all diassapeared! and i dont want this complaint removed either by the CFPB!!!! LEAVE MY COMPLAINTS ALONE TILL THEY CAN RESPOND!!! AFTER MONTHS AND MONTHS OF COMPLAINTS I HAVE NOT RECEIVED ONE XXXX VALID RESPONSE FROM CRIMINALS OF AMERICA!!!! THERES NO VALID CONTRACT,!! THERES A CLOSED ACCOUNT IN XXXX THAT THEY THREATEN ME TO PAY A BALANCE HAS ALREADY BEEN PAID, AND IF THATS NOT ENOUGH THEY THREATN ME TWICE WITH THEIR XXXX CRIMINAL FRIENDS XXXX!!! NOT CRIMINALS OF AMERICA OPENS UP A CLOSED ACCOUNT AND IS DOING SOMETHING WITH XXXX DOLLARS?? WHAT THE XXXX ARE THEY DOING????? WHERES THEIR SIDE OF THE BOOKEEPING???? WHY CANT THEY ANSWER MY QUESTIONS AND SHOW VALID ANSWERS, WHY DO THEY HAVE XXXX XXXX XXXX CALL ME,???? THESE PEOPLE ARE XXXX XXXX,!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! THEY STILL USING FICTITIOUS NAMES TOO, OVER 20 COUNTS OF FELONY IN MY PAST COMPLAINTS AND STILL I HAVE NO RESPONSE!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I was approved for an installment loan. On XX/XX/XXXX the company was sent an ACH termination letter stating that I would submit payment via mail. On XX/XX/XXXX I received a text message from XXXX stating that my account would turned over to collections if I did not provide them with a debit card. I told XXXX that I would provide them with a debit card info once I got home. This was stated after XXXX asked if I could get a prepaid debit card. I never provided the information. On Thursday I received a message stating that I needed to make a {$50.00} payment or my account would be turned over to collections. I advised that the paperwork doesn't state anything about a debit card being on file in order to prevent account from being turned over to collection ( {$50.00} wad also mentioned ). The rep kept asking fir a debit card and she also advised that my account would be sent to collections at XXXX today. I received an email staing that my account had been turned over to collections and they will be reporting a charge off to XXXX.
Product: Credit reporting or other personal consumer reports

Please see the attached documents as it includes my complaint and my identification.
Product: Student loan

I set up an account with MOHELA and paid the past due balance online on XXXX. I called MOHELA on XXXX to discuss this and they left me on hold for an hour and 13 minutes with no answer. When I set up my account to make a payment, they had an old address and phone number listed for me, which I don't know how that happened since the prior servicer, XXXX. has my current contact information and I haven't lived at the old address since I moved in XXXX of XXXX. MOHELA claimed in an email that I had asked for paperless billing, which I never did. Their poor customer service resulted in me missing my XXXX payment. I feel like their ineptitude has now jeopardized the Public Service Loan Forgiveness that I had been notified in XXXX that my application had been received by the government. I work for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. I deserve this loan forgiveness. I also don't believe I should have had to make any payments to MOHELA, but when they don't mailed me timely billing statements or answer their customer service phone line, it's impossible to resolve with them.
Product: Checking or savings account

My paypal closed more than a year ago, and as of today I still unable to access my balance of {$290.00}, and it was communicated " We will make any remaining funds, less reversals or debits, available to you for withdrawal on or before XX/XX/year> ''
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act. the list of accounts shown below have violated my federally protected consumer rights to privacy and confidentially under 15 usc 1681 XXXX  account has violated my rights. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX usc 1681section602a states i have a right to privacy.15 usc1681 section604a section2 it also states a consumer reporting agency can not furnish account without my written instructions, and i did not give written consent.15 usc 1681c ( a ) ( 5 ) 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 crime which antedates the report by more than 7 years.

15 usc 1681s-2 ( a ) 1 ( a ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has any reasonable cause to believe that the information is inaccurate. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX equfax XXXX  XXXX
Product: Credit card or prepaid card

I am writing to you today to express my concerns regarding fraudulently furnished late payments that have been added to my credit report by your company. I have reason to believe that I am being extorted by your company, which is a serious violation of my right to privacy. As you may be aware, Congress has mandated that all financial institutions have an affirmative and continuing obligation to respect the privacy of their customers and protect the security and confidentiality of their nonpublic personal information. The addition of these fraudulent late payments to my credit report has caused substantial harm and inconvenience to my financial reputation due to fraud, which undermines public confidence in the banking system. According to 15 U.S. Code 1666b ( a ), a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Additionally, I should have received a negative information notice no later than 15 days after the alleged debt was validated with me as the consumer. If your company can not provide proof that they lawfully validated this alleged debt with me before furnishing it on my consumer report, then it is my belief that this has been a fraudulently furnished late payment with forethought and malice intended to cause me harm. Please be advised that under 15 U.S. Code 6821, any false, fictitious, or fraudulent statement or representation to a customer of a financial institution is a violation of federal law and will be held liable under 15 U.S. Code 6823 ( a ), with fines up to {$500000.00} for a felony by an organization, imprisonment for five years, or both pursuant to 15 U.S. Code 6823 ( a ). I demand that these late payments be updated to PAID AS AGREED and that each late payment be deleted from my credit report immediately to prevent further harm to my financial reputation. I will consider any non-reasonable response as frivolous and will file a fault judgment in the favor of the interest of me, the consumer, the holder in due course, the attorney, and the administrator in fact. I am giving you 15 days from the date of delivery to respond to this notice. Failure to disclose requested documents SUCH AS all documents, papers, correspondence, books of account, and financial and corporate records. or provide a response to rectify any faults by Bank of America will serve as acquiescence and your agreement to a default judgment against your company for the dishonor in the negotiable instrument, bank fraud, creation of the false and deceptive form, mishandling of goods, compromising my relationship with other financial institutions, and including stress caused to me in the attempt of exercising my rights in good faith. I expect you to handle this matter with ordinary care and address all subject matter. I thank you in advance for your anticipated quick cooperation on this important matter.
Product: Mortgage

Hello! 

Re : Lender XXXX XXXX formerly XXXX XXXX Loan # XXXX I am writing you this letter of complaint in respond to the recent letter received from OCWEN under CFPB Case # : XXXX. 

After a careful review of the said letter, I realized that the bank that I should need to question should be XXXX XXXX. 

The moment I read the copy of the Fixed/Adjustable Rate Notice, I/we ( my husband ) were in total shocked! 

I recall XXXX calling us all the time and later convinced us to sign up for a great fixed second mortgage loan in which we later on decided to it with payments of at least {$600.00} or so each month. 

However, it was only agreed based on a fixed rate, not adjustable or it will not be entertained - for both 1st and 2nd mortgage. There was no way for any lenders to convince us on switching our fixed rate into adjustable, period! Otherwise, we believe the letter is not true! 

Also, Id like to know the previous name of the lender with the loan # before XXXX took over as I believe that our original interest rate was roughly 4.5-4.99 % fixed for 30 years ( home mortgage loan ). 

We acknowledge the signatures, but we have not seen this letter nor would have signed/approved for it! 

Again, we purchased our house at {$210000.00} in the year of XXXX. 

The letter from XXXX Bank was dated back in XX/XX/XXXX. Therefore, we would like to request them to send us all copies on how they came up with the {$340000.00} from the original/initial purchase at {$210000.00}, that is a difference of {$120000.00} plus the second mortgage loan of at least $ 60K or so? 

So my questions is, where did the money go? We didnt we see any money that was issued or deposited to our bank for over $ 100k? I need to see a deposit amounting the difference, copies of the checks and what bank it was deposited to? So we would like to know how they have acquired the amount of {$340000.00}, plus the second mortgage? That is a lot of money for us to borrow and why would we need that in the first place? 

Now, we need to see all the breakdown and calculations for both 1st and second mortgage, including : 1. 1st and 2nd mortgage payment LEDGERS, 2. Bank name we use to pay the 1st and 2nd mortgage so we can check them against our our bank for facts and proof. 
3. Copies of all loaned money showing the check # and which back it was cleared under? 
4. Full detail explaining on how the total from@XXXX went up to {$340000.00} in addition to the 2nd loan mortgage??? 
5. And all other facts proof of all the entire calculations from day one since you took over! 

Sincerely, XXXX XXXX
Product: Consumer Loan

I acquired a XXXX personal loan with Springleaf Financial, I was told the interest rate would be 27 %, my first statement had XXXX on it, I called and was told this was due to 48 month term. I wanted to received an accurate statement and was told that was how the statements were. I asked for the balance and realized that after paying XXXX my balance had not decreased, I was then told I would have to pay at least XXXX before I would see a decrease in the principal. I was then told the interest is pre- calculated based on rule 78, I was never told about this prior to signing for the loan, I believe I am being charged a very high interest rate and I would like to know if it is legal for Pennsylvania , I searched on google and it states this is no longer legal for loans to be pre- calculated, please advise
Product: Money transfer, virtual currency, or money service

I was scammed by XXXX tattoo artist on separate occasions with bank transactions an I want the bank to give me my money back from the opposing bank account as I can prove the tattoo artist was a fraud
Product: Credit reporting or other personal consumer reports

There are numerous inaccurate and unauthenticated items on my credit report. As a result I am suffering from XXXX XXXX XXXX XXXX. This is affecting my day to day life and I am struggling to be present with my kids because of this ; it is occupying my mind 24/7. Clearly the agencies are not concerned with the repercussions on their failure to ensure the accuracy of their reporting and now here I am being affected by their errors.
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 accounts 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 accounts listed on an id theft report. I recently received a copy of my credit report and was shocked to find that there are several accounts that I did not open and have no knowledge of. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. The accounts in question are as follows : XXXX XXXX XXXX Balance : {$6900.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  Balance : {$0.00}. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. 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 4 business days after the date of receipt.