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

On XX/XX/XXXX, an online bill pay to XXXX XXXX from BOA was processed for XXXX however funds were not available leaving a negative balance of approximately XXXX. 
On the same day, we alerted BOA the auto account was closed & the car paid off on XXXX. We were told XXXX rejected the payment as the account no longer existed. 
In the same transaction we cancelled the online bill pay & to ensure a XXXX attempt was not made placed a stop payment. 
The next day XX/XX/XXXX the negative balance was removed & our account credited. 
On XX/XX/XXXX, another online bill transaction occurred to XXXX for the same amount & XXXX was deducted from our account.We again called to inquire & was told it was an err ( the funds would be returned ). 
On XX/XX/XXXX, seeing the funds was not returned I called to inquire & was told a case was being entered & the funds withheld for XXXX days ( from XX/XX/XXXX ). When I inquired the reason I was told by a supervisor an investigation was being conducted due to funds not being available on the original transaction.
Product: Checking or savings account

I am writing to file a formal complaint against Regions Bank regarding the unjust hold placed on my account, which has severely impacted my ability to operate my business and meet financial obligations. The details of the incident are as follows :, I deposited a check in the amount of {$20000.00}, issued to me by one of my clients, into my account at Regions Bank. Unfortunately, the check was returned due to insufficient funds, and the bank charged me a return fee for this transaction. Subsequently, Regions Bank placed a hold on the funds in my account, preventing me from accessing the money needed to operate my business effectively. 

Despite providing all the documentation requested by Regions Bank to address the issue, including the original check and any other relevant information, the hold on my account remains in place, causing significant financial hardship. As a result, I am now behind on essential bills and expenses that I would have covered with the funds in my account. 

I find Regions Bank 's actions to be unjust and detrimental to my business operations. The prolonged inaction on their part has only exacerbated the financial strain I am facing. Therefore, I am left with no choice but to consider taking legal actions to address this matter if a prompt and satisfactory resolution is not provided. 

In light of the circumstances and the bank 's failure to address the issue appropriately, I request the following resolutions : 1. Immediate release of the hold on my account to grant me access to the funds necessary for operating my business and meeting financial obligations.

2. Reimbursement of any fees incurred as a result of the returned check and the account hold.

3. Closure of my account with Regions Bank and prompt disbursement of the remaining balance to me, including the funds affected by the hold. 

I urge the Consumer Financial Protection Bureau to investigate this matter and ensure that Regions Bank takes the necessary actions to resolve the issue promptly and fairly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. XXXX XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXXXXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX  XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX
Product: Debt collection

Me and my husband have received several call from XXXX ( XXXX ) XXXX to try and collect at debt that I believe is false. When asking about the debt the info given was inaccurate. And when asked for their address and license number they refused to provided it. Stating that I didnt need that information. And was told that they would report it and mess up my credit and then when I repeated needing that info before we could move forward the guy on the phone kept trying to antagonize me by stating that Im just never going to pay this debt and that I can just keep avoiding it. Its fine they were extremely unprofessional and unwilling to help even with multiple phone calls back trying to get the info I requested. They could not tell me who the original debt was from. But said it was a loan, when I stated I have never taken a loan out in that amount they stated it wasnt a loan it was a transaction with my bank info. And when I brought up the statue of limitation on collections he said that this debt dose not fall under that category that it was like writing a bad check.
Product: Credit reporting or other personal consumer reports

I had an ex spouse open up a phone line in my name after we separated. She never paid for the phone or bill. I let them know the situation and stil have done nothing about this issue. This is now showing on my credit as a negative mark and I would like it to be removed asap.
Product: Checking or savings account

I took a remote job from a company called XXXX XXXX. I was into town work in accounts receivable and get 5 % commission for everything that I collected. I received a cashiers check from a client named XXXX XXXX in the amount of {$3800.00}. I was instructed by my XXXX XXXX XXXX to wire the collected funds to a XXXX XXXX XXXX account to a XXXX XXXX in XXXX, GA. Turns out that the cashiers check was fake and I got scammed. My bank account was depleted and now I dont know how Im going to pay for my education next semester. I filed a claim with the FTC and was sent here in hopes that I might be able to get my money back. Im out {$3600.00} because of this and I need help to get it back. The bank informed me that Im liable and the FTC says that youre my only hope. Please help me.
Product: Credit card or prepaid card

My Citibank MC credit limit is {$12000.00}. The XX/XX/2020 statement was paid in full. 
My XXXX statement shows the following purchases : XXXX XXXX ( XXXX  ) {$66.00}. No other charges made to the account or previous balances. The XXXX statement had a due date of XX/XX/2020. 
On XX/XX/2020, XXXX  credits the full amount {$66.00}, however I went to the Citibank site as I usually do when I pay my bills due for the first week of XXXX. When I tried to make a payment the site showed : {$0.00} balance no payment due at this time. 
On XX/XX/2020 the new statement came out with a {$29.00} fee for late payment. I chatted online with and called Citibank on XX/XX/2020 to ask for a credit for that late payment fee since when I tried to pay the credit card the site will show a {$0.00} balance. The rep via chat could not help me and I got disconnected from the chat and was unable to get back to it. The Citibank system did not let me back into the chat, I got a message that session was over, turned off the computer and tried again, same message. Then I called to close my account and the Citibank rep said the only help he could provide was a 2 % credit to my future purchases to not exceed {$100.00} for total credit. He stated he could not waive the {$29.00} fee because even though XXXX  credited the full amount of the statement balance, I still needed to make a {$35.00} minimum payment. Minimum payment for what? The balance was XXXX. The XXXX statement shows a purchase of {$42.00} plus the fee for a total of {$71.00} that I had to pay in order to be able to close my account which I did.
Product: Mortgage

Ocwen/Homeward Residential continues to use fraudulent assignments of mortgage in legal actions. 

Thank you
Product: Debt collection

My ex-wife opened an XXXX XXXX payday loan fraudulently. I will not press charges because of child custody concerns. Credit Corp Solutions will not stop pursuing me.
Product: Checking or savings account

Can not connect or transfer money from any account with pnc. Everytime I try to link I get a message saying PNC has made a change does not allow me to link my own accounts. Customer service was all but unhelpful and basically told me it is what it is. I have 0 issues with any other account, pnc needs to allow customers the ability to access THEIR own money and account they way they feel need be, they should never deny me access to my own account and money.
Product: Mortgage

I received a letter yesterday from XXXX XXXX stating that they were canceling my Homeowners policy due to a lack of payment. Freedom Mortgage purchased my mortgage from the previous administrator including processing of the escrow account. 

During the trasfer process I received multiple assurances that everything would transfer over and take no action on my part. They have collected my escrow payment every month and I am make every payment in full and on time. 

When I called I was put on hold repeatedly and bounced from representative to representative before being connected to a XXXX XXXX in the insurance department She refused to provide her full name. She repeatedly mentioned some other insurance company that I have never heard of and how I could pay that policy instead. Eventually I convinced her to reach out to XXXX, she still repeatedly mentioned this other company and how I could overnight pay them from the escrow or pay them out of my own pocket. I feel like they were pressuring me to take on their own affiliated product. I was told that now my policy with XXXX had been cancelled. 

Now I dont even know if I have a valid homeowners insurance policy or if they have just taken my money.
Product: Money transfer, virtual currency, or money service

I get trapped in scam or fraud. 

I collect enough proof of scammer in which scammer already convicted the crime on my paypal account but paypal still not taking any action on those scammer by this way paypal is helping scammer to do their scam all the time without any limitation or taking action on them. upon telling paypal that i can show them proof but still paypal said even with those strong proof they will not take any action on scammers. Thats clear indication that paypal helping scammers. there was {$6700.00} total disputed transaction. 

those accounts in which transaction happened was XXXX XXXX  {$1700.00}, XXXX XXXX {$1500.00} & {$500.00}, XXXX XXXX {$1500.00}, XXXX XXXX {$620.00}, XXXX XXXX XXXX {$760.00} paypal is not secure way of doing transaction.
Product: Consumer Loan

Lendmark Financial- Attempted to make first payment on loan through XXXX bill pay. Called for the address and was given the wrong address by their customer service team. My bank let me know that the money had not been paid over a week later. So I called again and was given a different address so I resent the payment I received a notice for a fee for cancelation of payment a month later. By that time my wife and I had both made a payment and provided the bank information to Lendmark. I have sent the escalation manager several emails and submitted an email via their online complaint portal and have received no response. I have called again and have not been able to reach the manager I spoke to initially. Are you the correct org for this type of complaint?
Product: Debt collection

I am writing in response to a notice I received from your company regarding an alleged debt. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I formally request validation of this debt. 

To ensure compliance with federal law, I request the following information : 1. **Verification of the Debt : ** - The name and address of the original creditor.

- The original account number associated with this alleged debt. 
- An itemized breakdown of the debt, including principal, interest, fees, and other charges. 

2. **Proof of Ownership : ** - A copy of the original contract or agreement signed by me that created the debt. 
- Documentation that clearly shows your company has the legal right to collect this debt, including : - A copy of the assignment or purchase agreement that transferred this debt to your organization. 
- The date of the assignment or sale of the debt. 

3. **Proof of Legal Obligation : ** - Evidence that I am the individual legally responsible for this debt, including any documentation linking me to the original account. 

I hereby dispute the validity of this debt until adequate validation is provided. Until then, you are prohibited from contacting me further about this debt except to provide the requested documentation. 

Additionally, I request that any reporting of this debt to credit reporting agencies be halted until you verify its validity. Failure to comply with this request may result in legal action under applicable federal and state laws. 

Please respond in writing within 30 days of receiving this letter. This letter is not an acknowledgment of the debt, and I reserve all rights under the FDCPA and other relevant laws. 

Thank you for your prompt attention to this matter.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, I tried to collect {$170.00} from Citicards Reward program. I was unable to collect it with a deposit to my new credit union account because I had changed my bank account info the first week of XXXX. They would only transfer the money to my OLD bank account ( which fortunately had not been closed yet, but could have EASILY been closed. ) In order to collect the money they owed me, they insisted on transferring ONLY to my old account. 

I had already deleted the old bank account from my 2 Citicards accounts ( Citicard XXXX XXXX and XXXX XXXX XXXX ). Then I entered my new credit union account. All was well on the payment side, but NOT on the Rewards side. The bank changes did not transfer there, and ONLY my old bank account remained ( although I had already deleted it. ) When I added my new credit union info I asked when I could put the Reward dollars into my new account? They said after one payment cycle. After the payments for both accounts had successfully cleared my new credit union account in the first week of XXXX, I asked for them to deposit my Reward dollars in my new credit union account. They said NO, and that it may take 2-3 payment cycles before that could happen.
I do n't understand why they could n't do this, based on the fact that my payments cleared on both cards. It is like they can take my money from the new account, but are hesitant to allow my Rewards ( which I have already earned ) to go there. Why? My account had been " verified '', and there should be no reason to deny me this.
I asked for a supervisor to push it through, since I was leaving on a month long trip soon. She refused. In order to get the money, I had to deposit it to my OLD account, and then write a check off that account, and drive to my Credit Union to deposit it. It makes NO sense to me that I should have to go through all this after my new account had been verified. Very poor customer service, and for no logical reason, in my opinion.
Product: Credit card

On XXXX XXXX, Citibank contacted me about a decrease in my credit limit ( a decrease of {$2500.00} ), due to items that had appeared on my XXXX credit report, which stated that if the credit report changed, I could have them reevaluate the decision within 60 days. On XXXX XXXX, I contacted them and they stated that they only could request a credit limit increase, there was no process for disputing their previous decision. They requested a credit limit increase and the increase was denied, and were not able to provide me with a reason. Their decision was triggered incorrectly and they have unfairly prevented me from reinstating my prior status with them even though the factors that prompted their decision have been proven to be in error.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against CashApp ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, CashApp 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 ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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Product: Checking or savings account

Hello, Recently My wife I have been the subject of fraudulent charges and checks on our Chase Checking and Savings Account. 

The claim in particular I would like to settle and request further action is in regards to an {$1800.00} XXXX Transcation that was done with a stolen Debit Card. Chase issued a credit to our accounts, transferred this credit to our new accounts with the  provided information and inclination that all fraud inquiries were done in order to transfer money out of frozen accounts to bad accounts. Then, they reverse their credit decision and take back {$1800.00} from our accounts. 

On XX/XX/XXXX someone used my debit card to make an {$1800.00} XXXX Purchase. 

This was reported as Fraud to XXXX on XX/XX/XXXX A claim and inquiry was taken and issued on XX/XX/XXXX for the transaction. 

A temporary credit was placed in our Frozen Checking Account on this date as well XX/XX/XXXX. 

Both our checking account and savings account were frozen by Chase, and all funds in those account were frozen as well on XX/XX/XXXX. 

As a result, my wife and I opened up two new accounts with XXXX on XX/XX/XXXX with  borrowed money from family. 

The freezing of the Accounts Continued until XX/XX/XXXX. 

On XX/XX/XXXX, the credit of {$1800.00}, along with {$70.00} remaining from our old now closed accounts was transferred to our new accounts. 

On XX/XX/XXXX, we received word that Chase has concluded their research and has found that the claim is invalid, and that the {$1800.00} XXXX charge will stand On XX/XX/XXXX, XXXX reverses {$1800.00} credit and removes it from our Checking Account. 

At the moment, I am going back and forth with Chase to provide their research findings. 

I am beyond upset that the bank not only reversed their action, but took back the claim credit. 

On XX/XX/XXXX Chase stated that our old accounts would be closed and available funds would be transferred to our new Accounts as soon as all Fraudulent Activity Claims were researched and Finalized. On XX/XX/XXXX we receive funds from our closed accounts, including the {$1800.00} from the XXXX Transaction. Chase reversed their claim, and took back the credit they gave us for this Fraudulent charge.