23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have an exceptional payment history with all my accounts. XXXX, I am using a lot of my credit in order to survive due to Covid-19. 

Suddenly and without warning First National Bank of Omaha closed my account, causing my credit score to drop by over 30 points as due to this I am at 121 % of my credit usage. 

This will now cause a cascading effect and I am sure other banks will close my accounts. 

During this time of the pandemic people use their credit cards as a lifeline to buy food and pay utilities. When a card closes your account like this, in times like these it can cause hunger, evictions and bankruptcies.
Product: Debt collection

Constant harassing phone calls to me and my fiance by Conns. They are now calling my fiance 's phone number. She has told Conns repeatedly to stop calling her. They keep calling back from multiple numbers. If she blocks a number, she will get harassed from a different number.
Product: Debt collection

- XXXX XXXX 2015 due to an XXXX I had the urgent need to go to visit XXXX XXXX XXXX XXXX located at Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX - Phone : ( XXXX ) XXXX They provided a XXXX for XXXX an offered an agreement to rent or purchase the equipment under the Heatlh Complex form. I market the rental option for {$30.00} a month. 
- On XXXX XXXX, 2015 I received the XXXX invoice/bill ( $ XXXX {$18.00} ) from XXXX and made a complain with the XXXX XXXX XXXX care center where they called to support my claim due to the documentation presented. 
- XXXX XXXX, 2015 I received a XXXX invoice for the same amount stating I was late with the payment. I went back to the medical facility looking for a solution and explanation to the problem created by their institution. ( Documents attached and date stamped ). They called me later saying my case was solve and that I will receive an invoice for the correct amount of {$30.00}. That invoice never came. 
- XXXX XXXX, 2015 I received the collection leter from the collection agency XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX with the case reference # XXXX ( to be provided later ) for a debt with XXXX on the amount of $ XXXX XXXX XXXX, 2015 I went to the XXXX XXXX XXXX XXXX facility to speak wit the supervisor ( XXXX Tel XXXX XXXX ) and from there call the collection agency to explain and provide the information attached. The collector agent that took the call was XXXX XXXX ( XXXX ) XXXX and her supervisor was XXXX. XXXX was not helpful at all and she recomemded paying the full amount to prevent being reported to the credit berau and then ask for the credit if any. I totally desagree with the proces since its not right to collect wrong amounts. 
- I said clearly to them that I was disputing the charges and they told me it would take few days for them to investigate. 
- I called XXXX on XXXX XXXX, 2015 during the afternoon to confirm that my case was being investigated and they put me on hold for about XXXX min losing the call at the end with no respond. 
- On XXXX XXXX I received a letter from XXXX reference XXXX and reference XXXX communicating that the above reference accounts are closed within their office. 
- On XXXX XXXX XXXX I received a new collection letter from AMCA collection agency located at XXXX XXXX XXXX, XXXX, XXXX XXXX with the Pin number ( XXXX ) to be provided and phone number ( XXXX ) XXXX. The collection is base on the same case used by the XXXX collection agency that closed their account. It seems XXXX ( XXXX ) XXXX uses multiple agencies to collect money without reviewing their files and answering calls. I dispute all the worng charges processed by XXXX and used by any collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent Account # XXXX, XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, And XXXX XXXX XXXX  Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

Hello hi it's me XXXX XXXX again okay the reason why I'm making another complaint is because all the money that was withdrawn from my account was done with the ATM card and I have in front of me all the withdrawals my sister made with that credit card that she activated fraudulently activated so when Banner Bank told you I came into that bank I did go into the bank that's when they told me child support had a hold on it IRS had a levy on it every time I went in there they told me that that account had a hold on it mean while with the XXXX XXXX XXXX you could see because they gave me a copy of the withdrawals from from my account which I never received it I never received their debit cards right here in front of me quick stop has my sister on the security camera withdrawing the money right there at the ATM so whatever lie Banner Bank is telling you it's stuffing but a lie so you need to ask them do they have the withdrawal slips do they have do they have that no they do not have that and what about how they said child support had taken XXXX out of my account that never happened IRS never had on my account they lied about that and now they're lying about this I've got the withdrawals right here in front of it at my sister made fraudulently with activating my debit card so please if you have any questions please call me area code XXXX and that's the truth I'm not going to let up on this because that is the truth Banner Bank is lying to you thank you XXXX the only money that exchanged hands between me and Banner Bank that was when they rode me that cashier 's check for {$5700.00} and I think {$14.00} that was the only transaction cash I mean check transaction that I made with him there was no other transactions my sister took all the money off of my debit card so I'm trying to explain to you guys so I don't know why better because lying I do not know because they're the one that made the mistake that's why and they need to refund my money every single time of it I forward you the papers at the Banner Bank gave me all the withdrawals from my from my account with the ATM card I forwarded to you so take a look at them
Product: Checking or savings account

Re : Chase acct. XXXX, cashiers check XXXX I have been a client of Chase Bank for over twenty years. In XXXX and XX/XX/2023, my accounts were hacked three successive times. Chase Bank then closed my accounts and issued cashiers checks for the remaining balances. All three checks arrived at my house in open, unsealed envelopes. 
The above-referenced check, for {$2000.00}, issued XXXXXXXX XXXX XXXX was returned unpaid. I spoke with a banker who said the check would be re-issued. 
On XX/XX/XXXX I visited the branch and spoke with a banker. After a phone conversation with a Chase office, he assured me that the check had been re-issued and was being mailed that very same day. He said that when I received the check I should not deposit it in another bank but rather cash it as quickly as possible. 
On XX/XX/XXXX I made telephone contact with the Fraud Unit. They assured me the check had been re-issued but could not confirm it had been mailed out. 
On XX/XX/XXXX I visited the branch and spoke with a banker. She said she could not confirm the status of the check but would submit a new request that it be re-issued. 
On XX/XX/XXXX I made telephone contact with the Fraud Unit. They assured me the check had been re-issued but could not confirm it had been mailed out. 
On XX/XX/XXXX I made telephone contact with the Fraud Unit. They assured me the check had been re-issued but could not confirm it had been mailed out. 
On XX/XX/XXXX I made telephone contact with the Fraud Unit. They assured me they would make a new request that the check be re-issued, since it has not been re-issued or mailed out. 
On XX/XX/XXXX I made telephone contact with the Fraud Unit. They declined to make a new request to re-issue the check and stated the check has not been mailed out. 
It has now been approximately two months since the original check was issued and I have not received a replacement.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX To Whom It May Concern : XXXX, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isnt shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. The Fair Credit Reporting Act 15 USC 1681 section 602 a states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness impartiality, and a respect for the consumers right to privacy XXXX  Bank of America and XXXX is a financial institution by definition under that title. 15USC 1681 section 604 a section 2 states that In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. XXXX, Bank of America and XXXX, XXXX, XXXX and XXXX do not have my consent to report my information, any and all consents whether verbal, non-verbal, written, implied or otherwise is revoked. XXXX Bank of America XXXX and XXXX  this account is reported as a charge off, according to 15 USC 1681 and the Privacy Act of 1974 recognize charge offs as certificate of indebtedness, that is considered income and income is not reported on credit reports and must be removed. XXXX, Bank of America XXXX and XXXX did not inform me of my right to exercise my nondisclosure option. 15 USC 1681C ( a ) ( 5 ) says Except as authorized under subsection ( b ), 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 This account is an adverse item they are reporting again without my permission which is against the law. Remove all hard inquiries. According to 15 USC 1681b They need your written consent to add anything to your consumer report if you did not give the authorization that is a violation of the Fair Credit Reporting Act. 15 USC 1681s-2 ( A ) ( 1 ) A States 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. 15 U.S. Code 1681e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title.
Product: Mortgage

I originally called PHH Mortgage on XX/XX/22 asking them to begin the process of removing my PMI. They told me that day documents will be mailed and to expect 7-10 days. Fourteen days later, I had not received so I called them and sent an email. They said it had not been mailed but the documents would be expedited and I should receive in 5 days. In the meantime, I received reply to my email saying the removal process had began and should be completed by XXXX. I replied that I had not received the documents so how could the process have been started. I waited the 3 additional days and still had not received the documents. So they escalated and said I should have in a week and they would call to follow up. Still they called me last Thursday and said it still had not been mailed and it had been escalated to her boss. I had talked with XXXX and we also had a couple emails back and forth. She told me should would call me on Friday. They are no longer returning my calls. The documents still have not been mailed. I sent a letter to them on XXXX last week with tracking. In the letter I made a formal request for the documents. I feel they have no intentions of working with me to remove my PMI. It's been well over a month and they have not put the documents in the mail to me. They are costing me money and I do not trust them. I hope they are not doing this to others. Can you please hold them accountable?
Product: Credit reporting or other personal consumer reports

I am putting credit reporting agencies on notice that I have opted out with these financial institutions to stop sharing my non public personal information and these are my CFPB complaints CFPB - XXXX - XXXXXXXX XXXX XXXX XXXXk CFPB - XXXX - XXXXXXXX XXXX XXXX XXXX CFPB - XXXX - XXXXXXXX XXXX XXXX XXXX CFPB - XXXX - XXXX XXXX CFPB - XXXX - XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report includes a Loan Modification ( mortgage ) which i no longer live in or named on the ownership/deed since XXXX attached is the Divorce decree dated XX/XX/XXXX gives my ex husband 100 % ownership/responsibility. 

***There have been 2 modifications since XXXX by the same company. I never signed, sent my income or verified my identity with Select Portfolio Servicing. How can they refinance using my SSN, Income, etc. I have not lived at the property wince XXXX. The balance is not what I originally applied for from XXXX / XXXX XXXX years ago. attached is the original note I was joint, I never signed nor have anything to do with these modifications.
Product: Credit card or prepaid card

On XX/XX/XXXXa purchase was made at XXXX XXXX XXXX XXXX XXXX  NY fo {$49.00}. the clerk typed {$79.00} and refused to make good, refused to print a receipt and copied signature from the back of the card, Owner was contacted following Monday Tuesday and Thursday and refused to make good, credit card issuer was advised, via internet site, and failed to respond, on XX/XX/XXXX I contacted the credit card billing to dispute charges, I held over an hour from agent to another who they refuse to dispute, upon threatening to close the account they took the dispute, which clearly stated the wrong charge and the merchant refusal to provide a copy.

TDbank opened a case XXXX, sent me a letter asking for the receipt which I told them clearly that the merchant refused to provide, while calling them they have in hold again for over 30 minutes, because I disputing a charge, and still refuse to make good.
Product: Credit card or prepaid card

Beginning of XXXX after checking my credit status via XXXX XXXX app I discovered a charge of {$350.00} on my Capital one card. I have never activated this card nor authorized the use or used or made the reported charges. I contacted Capital One right away to dispute the charges but they actually told me that no such charges exist on my card. Today I received a statement from Capital One for {$380.00} the amount due plus late fees. I never received statements prior to the one mentioned above. I contacted Capital one again and they reported that after investigating my claim the charges are valid and that I should contact the merchants directly to dispute the charges. I attempted to contact merchants but none answered my calls. I have been a victim of identity theft two years ago and in fact still suffering from it. Please help me resolve this problem ASAP.
Product: Mortgage

In   XXXX     I went into a modification mortgage program with  Ocwen Mor tgage  Services  employed by   XXXX   XXXX  . The modified mortgage would be a fixed rate, 20 year mortgage. I was told there would be a balloon payment. However, I was never told the balloon amount and, it was not disclosed in the modification agreement I executed. I requested by e-mail before and after the execution of the modification agreement the amount of the balloon payment and it was never disclosed by the mortgage representative. The mortgage would be paid in full on  XX/XX/XXXX  and the lump sum balloon payment due at that time. Over a year into the mortgage modification and on   one of my many calls to Ocwen a customer service representative told me that the lump sum balloon payment would be {$80000.00}. Ocwen representatives have admitted that the amount of {$80000.00} was not disclosed in the documents executed. Ocwen acknowledges that their representative assisting me with the modification verbally told me the {$80000.00} amount before execution of the modification agreement. The latter is not true.
Meanwhile, payments that started at several hundred do  llars monthly have been as high as {$1500.00} plus monthly and currently {$1000.00} and rising again.
Product: Credit reporting or other personal consumer reports

I am a id theft victim. i would like these following accounts removed from my file asap XXXXXXXX XXXX acc numbers XXXX XXXX balance {$4900.00} not my account XXXX XXXX XXXX XXXX acc numbers XXXX XXXX balance {$21000.00} XXXX  XXXX acc number XXXX balannce {$590.00} not my account XXXX  XXXX acc number XXXX balance {$2300.00} not my account XXXX XXXX acc number XXXX balance {$12000.00} XXXX XXXX  XXXX acc number XXXX balance {$4900.00}
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Casin 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 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 less, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not feel that Experian has done a proper investigation into the inaccuracy on my credit report. I disputed the collection account reporting on my report for XXXX XXXX XXXX. Experian updated the report with a statement that the account was disputed by the consumer, but I have yet to receive anything detailing how this account was verified. I do not recall owing this amount with the original creditor. Please validate as I believe you are in violation of 15 US Code 1681a ( 4 ) by reporting mis-information. Until this account is investigated and validated, please remove this immediately from my credit report.
Product: Vehicle loan or lease

My account with KIA Motor account # XXXX is reflecting a late pay in XX/XX/2023. This is not accurate the full account was paid off in XX/XX/2023. I have a receipt from XXXX showing Kia received the full payment and the check clearing on XX/XX/2023. I am in the midst of a mortgage and this is harming me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint, to inform you about some issues with my credit report. I have always made my payments on time. For some reason, I realized that there were late payments on my credit report and I do not believe I was late on the dates they are reporting. These accounts should not be showing the current status of late since it's already been paid for. It seems impossible to accrue late on accounts that have already been paid. Correct the following accounts immediately : DEPT OF EDUCATION/XXXX XXXX Balance : {$6600.00} ; DEPT OF EDUCATIONXXXX XXXX Balance : {$4900.00} ; DEPT OF EDUCATIONXXXX XXXX Balance : {$4700.00} ; DEPT OF EDUCATIONXXXX XXXX Balance : {$4000.00} XXXX DEPT OF EDUCATIONXXXX XXXX Balance : {$3800.00} ; DEPT OF EDUCATIONXXXX XXXX Balance : {$2600.00} ; DEPT OF EDUCATIONXXXX XXXX Balance : {$2600.00} ; DEPT OF EDUCATIONXXXX XXXX Balance : {$2400.00} ; DEPT OF EDUCATIONXXXX XXXX Balance XXXX {$2300.00} ; XXXX XXXX XXXX Balance : {$130000.00} XXXX
Product: Credit reporting

THERE ARE ABOUT XXXX INQUIRIES ON MY TRANSUNION REPORT. i HAVE WROTE IN AND CALL THESE GUYS NUMEROUS TIMES DISPUTING ABOUT XXXX OF THE INQUIRIES. THEY KEEP TELLING ME THAT THEY ARE VALID. i DID NOT APPLY FOR XXXX DIFFERENT ACCOUNTS.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit reports, I discovered a late payment from 1st heritage, an account for which I have always maintained timely payments.Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the with 1st Heritage # XXXX. I'm requesting a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. I unable to furnish such proof, I demand that these payments be promptly updated to refect their true status as on-bire, as I have consistently upheld my payment obligations without delay.
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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I called all 3 reporting agencies XXXX, Experian and XXXX!! 
I told them I lost my wallet and sent Police reports!!! 
They have not removed XXXX XXXX from the account and history!! 
Creditors respond to me, Stated that they see XXXX XXXX name on all 3 major credit reporting agencies, credit report even while they telling me they are not there!!!! 
This is unfair to tell me deceiving lies and destroy my credit report when I have sent the police report to all 3 reporting agencies!!!! 
Proof of unauthorized use and I lost my wallet and not one of these banks closed the account and issued me an another card with my refund Stated by FDIC LAWS
Product: Mortgage

My deceased parents left their house to me and appointed me as personal representative of both of their wills, not knowing their had a mortgage on the house. In the will my stepbrother was only over medical of power of attorney on his father. some how he has his name on the house. I called Bank of America, to let them know that they left the house to. I sent Bank of America a copy of the Will and Testament of both and copies of both death certificates They will not talk to me at all, I tried on several occasions also several companies have inform me that the was over charging my parents for mortgage payments .All this stated back in XXXX, when my mother passed and XXXX when my dad passed away. This person name is nowhere on the wills as personal representative We do not want to lose this house of 49 years.