23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

NCB Management Inc. ran an ACH payment through our bank after specifically being advised to cancel the payment, and that funds were not available. Their representative assured us the payment had been cancelled as of XXXX XXXX, 2015, and they ran it anyways on XXXX XXXX, which caused our account to overdraft, and may result in fees from the bank. 
Our bank has been notified, and we have submitted an official fax reqeust to the company to refund the charge if the bank is unable to stop the unauthorized payment.
Product: Credit reporting 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 : XXXX 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. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OK XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$640.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$610.00} XXXX XXXX XXXX XXXX Balance : {$760.00} XXXX XXXX XXXX XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$760.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$15000.00} 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My name is XXXX XXXX XXXX. I am an XXXX military XXXX. In XX/XX/XXXX, while I was stationed at XXXX XXXX XXXX XXXX, XXXX, XXXX, I purchased my first home in my career. It was financed by Country Wide Home Loan, which was later taken over by Bank of America. Everything was going fine and I had no issues with monthly mortgages until I was notified I will be reassigned to Overseas military base in XXXX in XX/XX/XXXX. I was n't expecting to move so quickly after I purchased my first home, but military needed a person who spoke Fluent XXXX Language at XXXX XXXX XXXX, and I was selected to go. I tried for 6 months to sell the house, but could n't find a buyer. I was willing to take $ XXXX loss, but still did n't get any offer. As soon as I arrived in XXXX, I lost my XXXX allowance because I had to live on base housing. Since I no longer was receiving monthly housing allowance, I asked Country wide and Bank of America to refinance my loan. I just could n't pay {$2300.00} monthly mortgages when XXXX allowance was stopped and requested Country Wideif I could pay {$1500.00} dollars monthly instead. My offer was rejected. Within 20 months my house was foreclosed XX/XX/XXXX. My questions to CFPB is : Are there military clauses which should have protected me when reassigned to XXXX military installations. Also is there any way to verify Country Wide and Bank of America Foreclosed my home properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had 4 accounts in collections due to hospital bills with Benuck and Rainey ( a collections company ). In 2020 I was financially able to call the collections company and pay off all the debt. Today I received an email from my credit reporting agent ( XXXX XXXX ) that my score had gone down and that I have four delinquent accounts. The accounts were now back on my credit report as delinquent. I have included a screen shot showing my credit report and showing the payments that I made back in 2020 to Benuck and Rainey from my bank. I have worked really hard to fix my credit and this issue is really upsetting.
Product: Credit card or prepaid card

Every time I try to get and increase Im told no, the last time I applied for a new account I sent them a message and my response was rude and ugly and was told that NFCs stand their grounds and I need to check my XXXX account before applying for anything else.
Product: Consumer Loan

Due to an accident resulting in a total loss of my vehicle, I have been trying to get the auto loan resolved through the gap insurance coverage purchased with the vehicle. The week of the accident, I contacted the bank to advise them of the loss and to determine how to initiate the claim with gap insurance. I was told the gap insurance immediately kicks in when the claim payout from the liability insurance company is received. This was the week of XX/XX/XXXX. As of today, XX/XX/XXXX, the loan is still not paid off and the gap claim is still pending. After the bank received the payout from the liability insurance coverage the week of XX/XX/XXXX I waited for the gap insurance claim to initiate automatically. Upon calling the Bank a couple weeks later to obtain a status, I was then informed I had to cancel my service warranty first so the refund for that can be issued and then the gap insurance claim would be initiated automatically. I immediately contacted the service warranty company to request cancellation. They were supposed to send me a cancellation form which was not received and XXXX weeks later another phone call was placed. The form was received, it was returned immediately, and receipt was confirmed on XX/XX/XXXX. As a result of the delays of the three companies, the bank is now reporting my account as past due. The account should not be past due as based upon my conversation with the bank in XXXX, this account should have been paid in full no later than 30 days after the first payment was due on XX/XX/XXXX. There is no need for me to deal with this runaround to try to initiate a gap claim and then to have to wait 8+ weeks for the claim to be processed.
Product: Credit card or prepaid card

I was the victim of identity theft in early XXXX  A the end of XXXXXXXX XXXX, I contacted PenFed Credit Union upon receiving a card I did not apply for. Once they ack that it was fraud, they said they would close the account and contact the credit reporting agencies to make an update. I have received a mailed statement every month with a dollar amount shown. Every time I receive it I call PenFed and they assure me that the account is closed, but they can not tell me why I am still receiving the statements WITH A BALANCE. I have contacted PenFed no less than 10 times, and I have no actual way to 100 % confirm that they did in fact do what they said, and I feel they are not being forthcoming as to why I am still getting mail from them or why it shows a balance.
Product: Student loan

I have federal loans serviced by American education Services. I recently did an audit of ALL my student loans and came across 2 loans that are not mine. The disbursement dates were XX/XX/XXXX, which is impossible since I graduated in XX/XX/XXXX. 

In XX/XX/XXXX, I requested documentation for these specific loans and all I received was my original consolidation application which was date stamped XX/XX/XXXX. These questionable loans are not on that application. I called AES every month to send me the documentation. I talked to supervisors and their supervisors ... no one could give me any good information. They sent me that same documentation 8 times! Finally, in XX/XX/XXXX one customer service representative told me to write a letter contesting the loans. So, I did and I did not receive one piece of mail or phone call associated with that letter. So, I continued to call and badger them until FINALLY some one with a brain told me I had to file FRAUD paper work. I received that FRAUD packet in XX/XX/XXXX. 

To be in compliance with their Fraud procedures ... I was required to send a copy of my passport, SS card, driver 's license, and two other documents that had my signature on them. I also had to file a police report and include it in my packet. Plus, I had to fill out the 5 page  application on where I was living, who I was banking with at the time of the fraud. And get 3 of the pages notarized ( including a page of just my signatures ). It was an extensive process. 

In the instructions of the application it states that AES has 15 days to conduct the investigation. Well, after 15 business days I called to discuss the status of the application and they told me they have until XX/XX/XXXX to finish their investigation. Mean while, they put ALL my federal loans in Forbearance. That is not what I wanted at all! Only two of the loans are in question and I do not want my balances to accumulate interest. 

When I called to take my loans out of Forbearance. I was told to leave a message. And of course I did not receive a return phone call. This company is beyond IMCOMPETANT. I want these fake loans off my account and off my credit report since I have been paying for them since XX/XX/XXXX and they can not come up with any evidence that they are mine. I keep asking them ... how did I take out federal loans if I was not in school? This case needs to be escalated and they need to be accountable for their sloppy document control, bad customer service, and maybe even fraud.
Product: Credit reporting or other personal consumer reports

Violation of 15 U.S. Code 1681s-2 : It has come to my attention that any payments during the COVID-19 pandemic are required to be deferred or forgiven. Despite this, my credit report reflects payments that were neither deferred nor forgiven, which is a clear violation of the law.

2. Violation of 15 U.S. Code 1681 ( 4 ) : I have a right to privacy, and if I consider my payment information to be private, it must be deleted from my credit report. I hereby request the immediate deletion of all payment information from my credit report.

3. Violation of 15 U.S. Code 1681 ( a ) : Any transaction between myself and the creditors is required to be excluded from my credit report. I request the immediate exclusion of all such transactions from my credit report.
Product: Money transfer, virtual currency, or money service

I bank with Jp Morgan Chase. XXXX, my account ending in XXXX was hacked, two different LLC companies were able to wire themselves a total of {$160000.00} out of my buisness account. the transactions are as follows : XXXX. XXXX XXXX XXXX XXXX : {$18000.00} XXXX. XXXX XXXX XXXX XXXX : {$49000.00} XXXX. XXXX XXXX XXXX : {$48000.00} XXXX. XXXX XXXX XXXX : {$48000.00} I did not authorize these transactions, My personal banker XXXX XXXX saw this happening and immediately tried to freeze my acct. He also assured me that it takes at least 24 hours for these transactions to be done completely. Well some how they got away with taking all four transactions, and now Chase Bank is not helping me get my money back.
Product: Checking or savings account

At XXXX on XX/XX/XXXX I attempted to initiate a wire out of my account to pay the remaining balance of a car I was purchasing in cash. The car was being shipped on XX/XX/XXXX so this matter was urgent as the dealership would not ship the car until all funds were received. 

I was informed by Capital One that they would not send any wires to third parties except with a title company for a home closing. I was informed that I could send a cashier 's check to be overnight through my online banking. I went to online banking, entered all the information and provided the verification code sent to my email. Each time the system would say thank you but would not send a confirmation or show activity on my account. I called capital one immediately and was informed that " looping '' sometimes happens and to change my internet browser. I did this multiple times using XXXX and XXXX XXXX but the system would still not process my check. I asked Capital One to complete this on my behalf as they could see there was a technology issue on their side and I was told they could not issue a check. They also did not have any branches that could issue a check if I went in person. 

At this point I was very frustrated as I had all the funds and security requirements to send money but the bank would not offer a wire and could not fix their system to provide a cashier 's check. I then offered to provide a seperate personal account to another bank so that I could wire funds to this account. I was told that it would take two business days to set up any new linked accounts. At this point Capital One would not wire my money to the dealership, provide a cashier 's check, wire money to my other personal account, and had no physical location for me to enter and put certified funds. Essentially I had no access to my money because of an unexplained " glitch '' on Capital One 's technology. 

It was ultimately recommended that I go to another bank and try and initiate a cash advance on my card and ask that bank to wire funds on my behalf. 

The fact that a financial institution of this size and complexity couldn't offer it's customer a wire or cashier 's check was a huge inconvenience that caused great hardship on my end. I had more than enough funds to support the transaction and there was no error on my end in terms of security or information. At the time I needed access to my money most urgently the bank would not provide the product and services that it promised. I felt completely helpless and taken advantage of and I hope that the CFPB holds this institution accountable for its inability to provide these basic services that it claims to offer.
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 U.S.C 1681. 

XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # : XXXX XXXX XXXX. XXXXXXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have 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 an 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 reporting, credit repair services, or other personal consumer reports

How many letters do I need to send to the Credit Bureuas for them to pay heed to my disputes? I have been sending countless letters and complaints for more than two years now and yet the Credit Bureaus can not complete my requests for proper verification of my Credit File and Remove any fraudulent information being reported. But despite all my efforts to establish communication with the Credit Bureaus, is is clear that the Credit Bureaus fine joy in ignoring a client 's requests. I have read that the Credit Bureaus is required to remove any accounts and information that the Consumer considers as items incurred due to identity theft. I am now submitting this complaint to inform the Credit Bureaus of how frustrated I am and I am willing to take a legal action and sue the Credit Bureaus for their willful non-compliance of the Fair Credt Reporting Act section 605b. If it not that too much trouble, I need the following items removed immediately : XXXXXXXX XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$190.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX XXXX XXXX I've been working on a stock market for 2 years a little over 2 years and when the pandemic was getting everybody scared to death we were told to stay in our homes and work became a thing of the past a new virus was killing our world after surviving it and during surviving it I became bored of XXXX  and food so I wanted to I guess make a living so I hit this I tried to stock market and I never looked back but to get my money my earnings from Big banks that stole My money and other people cover up their tracks and make fake reports and stuff but just the system is always good there's a lot of people probably going to go to jail behind us I really feel bad
Product: Bank account or service

In XXXX, I started to notice large sums of money was missing from my bank account. I would call and report it and some of the items were credited to my account. Then I noticed transactions performed that I never did and did n't even have a destination. Checks that were presented were returned allegedly and then I see that they cleared in my account. Deposits made did not reflect in the account and some deposits were made to appear as withdrawal transactions. It started to get worse in XXXX. I had no idea what was going on ad how they were doing this. I noticed several transactions electronically made to stop and shop. I called stop and shops corporate office and they told me no electronic transactions were made or returned. I called telecheck who clearly state to me " it 's your bank ''. I then filed a police report with the local police who did nothing to investigate it. I was told all the transactions had been refunded. I made two deposits one day apart in the same amount of XXXX one of which was a check and another which was a check for XXXX and the rest in cash. These were funds from my home burning down and donations were collected. The cash deposit had disappeared and the check was put on hold, cleared the hold and then a check came in and they still returned it. I went to close the account and was told by the branch manager it was closed. They then put through the same check again overdrawing my account and taking my XXXX XXXX payments for me and my children. I was told everything was to be credited. In XXXX I was told they were going to close the account. That was fine because I already did. Meanwhile they opened anther account performing erroneous transactions. There were transactions made when at ATM 's when I did n't even have a debit card because the ATM machine took it. I contacted the corporate headquarters numerous times speaking with XXXX XXXX a customer advocate who was of no assistance she would not return the missing money. It is thousands on top of thousands saved during my 9 month trial work period. I recently ordered my statements again to see what the transactions were reporting as and they are all totally different from the original statements. All of the money refunded was taken back. The other account they opened they sent a letter saying they could n't find the other account information. Bank of America legitimately stole a XXXX single mothers savings!!
Product: Checking or savings account

On XX/XX/2024 I paid {$130.00} with my Bank of America checking account for XXXX beds in a hostel called the XXXX XXXX XXXX in XXXX, XXXX. I found and paid for the hostel through XXXX, and I bought XXXX beds : XXXX in the male dormitory for myself, and XXXX in the female dormitory for the friend I was traveling with. My friend and I were to stay in the XXXX XXXX XXXX from XXXX XXXX, XX/XX/2024 We arrived to the hostel around XXXX, and in the instructions I was sent by the staff over email, we were supposed to check in ourselves. When we got to our room, we found that it was mixed gender, unlike what I had paid for, and that our beds and designated lockers were occupied. There was no staff in the building to speak to, so my friend and I had no choice but to leave. We booked a new hostel, the XXXX XXXX XXXX XXXX XXXX  XXXX, charged to the same card. We stayed there for the remainder of our time in XXXX. 

On the XXXX, I contacted XXXX through email about the occupied beds, but they refused me a refund. After I returned from my trip on the XXXX of XXXX, I disputed the transaction with Bank of America, on the grounds that I did not receive the services I purchased. However, this dispute was also denied on XX/XX/XXXX, with the reasoning provided being that XXXX said the transaction was valid. 

I believe that my case warrants further review. I paid for a service that was not provided, which clearly indicates a failure of service delivery on the part of the XXXX XXXX XXXX. The lack of on-site assistance further aggravated the situation, leaving me late at night in a foreign country without the accommodation I had reserved and paid for. 

Given these facts, I respectfully request that Bank of America re-evaluate my dispute and consider the issuance of a refund for the aforementioned transaction. I have attached all relevant documentation pertaining to this case, including correspondence with the XXXX  platform and the initial transaction details. 

Thank you for your attention to this matter. 




Attachments : Booking Confirmation Correspondence with XXXX  Platform Proof of Payment Denial of Claim by XXXX  Platform Record of Transaction Dispute and Denial