23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Bank of America mailed me several offers to refinance my home. On XXXX/XXXX/2015 I called the XXXX, FL sales office and spoke with XXXX XXXX ( MLS XXXX ) and began the refinance process. There were documents XXXX XXXX wanted immediately ( XXXX, XXXX pay stubs & savings statements ) so those documents were emailed to her on XXXX/XXXX/2015, however, the remaining refinance documents, that BofA mailed to my home, she stated could be mailed. So on XXXX/XXXX/2015 I followed her instructions which matched the instructions in the refinance packet, and mailed the remaining documents in the pre-paid postage envelope provided from a Post Office in XXXX, TX. Because the documents were of a sensitive and personal nature, I wanted to have the documents tracked, even though they were only going to XXXX, TX ( XXXX is a larger suburb of XXXX ). The post office clerk informed me that I could not " alter '' the pre-paid envelop and had to mail the documents as is. Needless to say, as of XXXX/XXXX/2015 the documents have not reach BofA 's documents center and are now considered LOST. The post office claims they do not have my package, and BofA claims they have not received my documents either. I am stuck in the middle with my personal information floating somewhere, with no real help available. BofA is claiming since the documents have not reached them ( something they can not proved or disproved ) they have no responsibility to help. Even though, it was their instructions and envelope, they do not track the packages in anyway ( nor to the note that information in the refinance package ). This seems ridiculous. Customers are mailing personal and highly confidential information to them from all over the country and they not only do not track the packages they also hinder the consumer from doing so as well. This process is very flawed and I am not sure what the Bureau can do, but I wanted this practice to brought to light. I was informed by a BofA representative, that mail gets lost every day, and there was nothing they ( or I ) could do about it. I was to either resend the forms or lose the refinance. What is even more frustrating, is that I was informed, after the documents were lost ( of course ) that I could have gone in to ANY BofA location and faxed the documents to the XXXX office for FREE. I looked and this was not noted in any of their instructions. They did supply a fax number but DID NOT state the option of going into a branch. That XXXX simple piece of information could have saved me from the frustration on the entire refinance process. I now have frozen my credit and researching a credit monitoring company to protect me from potential identity theft. My problem is not with the people I worked with, it is with the process that leaves consumers at risk. I trusted BofA and the have completely let me down.
Product: Credit reporting or other personal consumer reports

I've tried many times to fix wrong and false information on my credit report, but it's still there. This bad information is causing me a lot of worry and stress. I want to make it clear that I didn't allow this information to be put on my report. Someone stole my identity and used it.
Product: Credit reporting 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 confidentially under 15 USC 1681. 

XXXX XXXX : // XXXX All Acccounts Have Violated My Rights 15 U.S.C. 1681 section 602 A. States : I have a right to privacy.

15 U.S.C. 1681 section 604 A section 2. States : A Consumer Reporting Agent can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) States : No Consumer Reporting Agent may make any Consumer Report containing any of the following items of records of information, any other adverse information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681's-2 ( A ) ( 1 ) States : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reason to believe that the information ins inaccurate.
Product: Bank account or service

On XXXX XXXX 2015 we sent Chase bank a letter requesting, under the XXXX XXXX XXXX, part of RESPA, a " qualified written request ''. Chase responded they do n't recognize our current address and asked us to send them a signed letter verifying our current address which we did, along with another copy of the original letter on XXXX XXXX 2015. They responded with same request for us to send address verification. 
We have done so. If you look at our credit reports our current address shows up, if Chase does not believe us a soft inquiry to our credit report would solve the problem. They have done these inquiries in the past. It is obvious they are avoiding us and breaking the law which REQUIRES a response in 20 days. They are intentionally causing us harm and we believe part of it is because we are a XXXX XXXX family.
Product: Student loan

The DEPT. Of ED/Nelnet continues to inaccurately report this account to the credit bureaus under my name. I have sent several certifies letter asking for removal with no corrections noted, as stated in my certified letter this account has been refinanced with US DEPT of ED/XXXX and is being listed and reported as a duplicate as it is already a part of my public record reflecting through US DEPT of ED/XXXX and DEPT. of ED/Nelnet has agreed to remove, please refrain from continuing to report this account
Product: Checking or savings account

Subject : Unjustified Withholding of Funds SoFi Refusing to Release Preauthorization Hold Company Name : SoFi Bank, N.A.

Complaint Details : I am filing a complaint against SoFi for improperly holding funds on my debit card transaction, despite their own policy stating that holds should be released once the final charge is processed. 

On XX/XX/XXXX I made a purchase with XXXX using my SoFi debit card. 

The final charge posted XX/XX/XXXX, yet SoFi is still holding the preauthorization amount, effectively double-charging me. 

I confirmed with XXXX that the transaction was fully processed, and the Transaction ID for the pending and posted charge is the same, proving that the preauthorization will never convert into a final charge. 

SoFi first claimed XXXX was at fault, then stated they could not see the Transaction ID, and later claimed their terms do not specify when they must release holdsall contradictory excuses. 


Now, SoFi has admitted that their system automatically generated a release date of XX/XX/XXXX, but they refuse to manually release the hold, despite knowing the funds should no longer be withheld. 

Why This is a Violation : SoFis own terms state : " Once the final payment amount is received, the preauthorized amount on hold will be removed. '' Since the final transaction is already fully processed, the hold is unnecessary and unjustified. 

By refusing to release funds until XX/XX/XXXX, SoFi is knowingly restricting my access to my own money, despite acknowledging that the hold serves no purpose.
Product: Credit reporting 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 Account Number : XXXX Account Name : XXXX/XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX has violated my rights. Or list of inquiries 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: Credit card or prepaid card

Citizens Bank solicited me to apply for a credit card with zero percent interest in balance transfers for a specified time. 
I applied and indicated the dollar amount as to how much of a balance transfer I wanted and indicated the credit card company and account number as to where the balance would be transferred. 

Eventually Citizens Bank contacted me and transferred money to my existing credit card for the balance transfer. The problem is that they didnt give me a large credit line which is their prerogative but without my permission they transferred most of the dollar amount of the credit line to my existing credit card company. This means they maxed out my credit card. A maxed out credit card reduces ones XXXX score a lot. 

I called Citizens Bank and asked them to increase my credit line enough to increase my XXXX score which they wouldnt do. I then asked them to reverse some of the money they transferred to my existing credit card which they refused to do also. 

The upshot is my XXXX score is reduced through no fault of my own. Citizens Bank should have never maxed out the credit card they issued to me without my permission.
Product: Vehicle loan or lease

On XX/XX/XXXX I purchased a XXXX XXXX XXXX which was originally stated would be delivered on XX/XX/XXXX. When the car had not been delivered on the XXXX, I noticed an email was sent XX/XX/XXXX stating that my delivery had been delayed. 
I called Carvana on XX/XX/XXXX and spoke with XXXX XXXX. I explained that I was currently in a rental car due to my previous car being declared a total loss and stated due to the delay they I would need reimbursement for the rental car as it would no longer be covered through insurance. I received a text the next day stating that Carvana would cover up to XXXX per day for the rental through XX/XX/XXXX which was the new delivery date. I agreed to this amount even though this was only half of the cost of the rental. On XX/XX/XXXX I received another email stating the delivery was delayed again to XX/XX/XXXX. I called carvana again and explained because the delivery date was pushed back on their end again, I would need the full rental covered. I spoke with XXXX XXXX who stated that the most carvana could reimburse was {$40.00} per day. I asked him to send an email which he detailed that carvana would cover {$40.00} per day for my rental for a total amount of {$880.00} and that I would be able to request they covered more. I explained to XXXX that the rental rate of {$50.00} per day was actually discounted for my insurance company, however, the rental company accommodated that price through XX/XX/XXXX so I really needed my car by that date. He assured me that carvana did not expect any more delays. 
However, on XX/XX/XXXX I received another email stating the car would be delayed through XX/XX/XXXX. I called carvana again and spoke with XXXX and explained I could not hold the rental any longer and I needed a car. Due to the constant delays I had to go through a local dealership. Carvana is now denying reimbursement for my rental though I have already paid {$1000.00} and have paid a month insurance for the XXXX. I would like the full rental reimbursement
Product: Debt collection

I am writing to address the inaccurate, erroneous, and incomplete reporting of the following accounts on my credit report, severely impacting my credibility and quality of life. Upon contacting the associated banks, they confirmed the reported information is inaccurate. While unable to provide records, they assured me of promptly removing the erroneous accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts. Please remove them immediately.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX XXXX  Account Number : XXXX Inquiry XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

In XXXX of 2019 I contacted Carrington mortgage because I had been injured & unable to work. I stressed to the agent I spoke with that I had the funds to make the payment for XXXX, however i was interested in a payment arrangement for that month to ease the financial burden. I specifically asked if the arrangement would be noted as a late payment on my credit report and was told that it would not. I paid the arrangement as agreed & found later that this was reported as a late payment. I contacted Carrington & was told that they would not change the notation for XXXX, even though the arrangement was paid as agreed.
Product: Student loan

AES/PHEAA just increased the interest rate on a loan where they are the guarantor. Because I feel this was unjustly raised, I have to make a complaint so the Federal Government can make a determination on whether or not this was done in retaliation due to me instantiating complaints against the Agency on a regular basis for valid concerns. 

The Agency a ) does not respond timely to complaints b ) fails to respond accurately c ) retaliates against me for holding their agency accountable by either increasing interest rates or having their customer service staff argue or behave inappropriately during phone conversations The loan details of the interest rate adjustment are as follows : Owner : PHEAA Guarantor : XXXXAES/PHEAA School XXXX XXXX XXXX XXXX LOAN VARIABLE RATE XXXX 8 % Reason suspected for PHEAA raising the interest : Retaliation for borrower making complaints. Just because the interest rate is variable doesn't mean the Guarantor can raise it because they get annoyed with borrowers making complaints. If PHEAA claims they raised it due to other reasons, they are not telling the truth.
Product: Credit reporting or other personal consumer reports

Called company daily beginning XX/XX/2023 through XX/XX/2023 and formally requested, in accordance with the Texas Freedom of Information Act, that copies of all information and data regarding my vehicle loan be sent to my current address. This was to include their reason for their decision to restrict my online access since XX/XX/2023. They have refused to do so. Also request copies verifying all payments made, interest paid, principal owed, and the documentation verifying the current status of the account. Subsequent request were made again in XXXX, XXXX, and XXXX. XXXX XXXX XXXX XXXX refuses to comply with my request. The last request for this documentation was made in mid XXXX. The current account status on my XXXX Credit report shows the account is CLOSED and that it has been CHARGED OFF and WRITTEN OFF. It also shows the payment status as Late for XXXX among other months. However when I call to XXXX XXXX XXXX XXXX they state the account is CURRENT and OPEN. I have ask them to CORRECT the errors on my credit report and filed several disputes with each of Credit reporting agencies ( XXXX, Equifax, and XXXX ) however my disputes are denied saying the investigation finds the information valid and accurate ( paraphrasing ). 1. Please allow me online access again since it has been 180 days since my request was made and it still remains ignored. 2. correct the credit report ( all 3 ) to reflect as OPEN and as current and due to the fact the payment history is filed with inaccuracies and due to the fact XXXX XXXX refuses to provide me with updates regarding my balance, confirmation of payments, etc I ask that the Credit report shall reflect no late payments or delinquencies. I request this due to the illegal, and egregious and retaliatory manner in which XXXX XXXX XXXX XXXX has administered my loan.
Product: Debt collection

I recieved phone call from company called credit management on XX/XX/XXXX about a XXXX  past due cable bill from XXXX. I have never received any notification on the mail about alleged debt or anything. This is the 3rd collection agency that has contacted me since XXXX. XXXX XXXX  complaint # XXXX XX/XX/XXXX and also XXXX XXXX XXXX complaint # XXXX XXXX/XXXX  XXXX  refused in the past and still refuses to respond or return calls on this matter I keep having to dispute. Short story was disconnected XX/XX/XXXX still billed me in error even though I had called and turned in equipment will not credit me the balance Recieved new service XX/XX/XXXX paid past due balance the told me I had to pay to get new service came back about a month later saying I owed them more I still have XXXX at present time same address
Product: Money transfer, virtual currency, or money service

I posted a welding machine on XXXX for sale. An XXXX  customer contacted me and gave me his phone number XXXX XXXX XXXX XXXX to text him about the machine. I did contact him he ask how much you want for the welding machine I told him {$1300.00} he agreed with The price and he told me he is going to send me a cashier check for that price plus some more for the mover who's going to deliver the machine to new York. in two days I received the cashier check for amount of {$2800.00} via USPS priority mail express That was on XX/XX/2020. 
I deposited the check and waited for one day after the check was cleared I even called The bank to confirm that the check is good and they did confirmed that there is no problem. after all I thought the money is in my bank and there is noting to be worried about meanwhile the fake customer contacted me and ask me to send a remining balance which is {$1500.00} to his mover to come to pickup the machine via zelle transfer. I transfer the fund on XX/XX/2020 in about three days I received a notice from bank the cashier check was Alter/Fictitious and they deduct the fund out of my account. I tried so many time to contact the fraudster obviously no respond. I called the XXXX XXXX XXXX  and filed complain with them. check case # XXXX Zelle claim # XXXX But when I research zelle transactions on the internet it Happened to so many people and zelle never refund them back. But according to Zelle On their web side under the tab : understanding fraud & scam it says because you did Not authorized a payment you are typically able to get your money back. How ever it Refers in case if some body hack to your computer but this obviously was fraud and Crime. This the Email address and name of recipient XXXX Name : XXXX XXXX
Product: Credit card

I was billed for an optional program labeled " card security payment '' I never approved nor knew about. 
Total fees billed for the program since enrollment ( XX/XX/year> ) was {$1500.00} and I asked to refund these totals. Only {$220.00} was returned.
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 an 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

In accordance with the fair credit reporting act XXXX have violated my rights as a consumer. The rights that have been violated are as follows : 15 USC 1681 sec. 602a states that I have the right to privacy 15 USC 1692 C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 USC 1681 section 604a section 2 states that a credit reporting agency can not furnish an account without my written instructions
Product: Credit reporting

Transunion currently has my name and address listed on my account in various ways and it is severely negatively impacting my credit worthiness. I have requested on several occasions for this to be corrected. Via sending in my current license, and my marriage license. And the corrections still have not taken place.
Product: Mortgage

I recently refinanced my mortage taking advantage of a HARP loan thru XXXX XXXX. The process went very smooth and on XXXX XXXX I closed on the loan at XXXX XXXX XXXX in XXXX IL. The funds of {$83000.00} were wired to Ocwen Mortage on XXXX XXXX 2015 and received into their XXXX XXXX Account. The same day of this deposit, XXXX XXXX 2015, Ocwen transfered ownership of the loan to XXXX XXXX. As of today, XXXX XXXX, 2015, Ocwen has not turned these funds over to XXXX XXXX to satisfy the payoff of this mortage. I have been in contact with Ocwen over the last XXXX weeks and have been assured that the funds would be transfered. 

This is a concern to me as I am now receiving letters from XXXX advising that I am deliquent and must pay as soon as possible or I will be in default. I have contacted XXXX XXXX and advised them of this situation as well.
Product: Checking or savings account

On, XX/XX/XXXX, my account had three separate {$500.00} withdrawals through XXXX from three different people whom I do not know. I have only used XXXX to pay someone many years ago and since have not. 

I immediately went to the bank and they began the investigation process. I changed my account number, cards, etc. XXXX XXXX, I heard back from PNC Bank and they said there was nothing that PNC Bank can do, that I will not get my money back and to file a police report due to crime committed against myself. 

These are unauthorized transactions for a total of {$1500.00}. I am the sole provider to my family and this is truely hurting our family.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this complaint against XXXX Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous XXXX and financial XXXX preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.