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

I opened a new account with US Bank in Arizona with a cashier 's check for in the {$20000.00} range and automatically was informed that there is a automatic 5-day hold for that which was fine however after the 5 days was passed I went to remove funds from my account and there was another whole place on my account asking for address verification and I submitted a registration on a vehicle for address verification and was informed that as soon as I did so my friends would be released in the hold would be removed and that's not the case they inform me incorrectly or change their mind because now they are saying that the funds or the registration needs to be reviewed and then the funds will be released I've been without my money for now 7 days with this Bank when I deposited a cashier 's check just as good as cash I could have cashed it at a check cashing place and had my money and not been in a predicament or situation where I'm without my money I need help or someone to review my situation and press that my review takes place in my money is released so I can use it as needed
Product: Debt collection

I sent National Recovery Agency ( XXXX XXXX XXXX XXXX XXXX, PA XXXX ) a letter on XX/XX/2020 to verify this XXXX XXXX Hospital debt and I let them know the debt wasnt mine, but Its been over 30 days and I have not received any kind of correspondence. No call, no letter, no email. I would like this debt removed from my account asap. Its bringing down my credit score and Im not getting any kind of response to my letters.
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 USC 1681. 


Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account 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: Money transfer, virtual currency, or money service

My identity was stolen and a card was opened through CreditKarma Money. I have been trying to contact a live human there but have been unsuccessful. I have only been able to chat through text on their site or by email. The account is still open and they have done nothing to help.
Product: Payday loan, title loan, or personal loan

I'm current on my payments. i was flagged for a missed payment over 30days but i made the payment on time, i was falling behind due to covid related issues and that was thurly explained.
Product: Credit reporting or other personal consumer reports

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES XXXX, XXXX, EXPERIAN, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS XXXX XXXX, XXXX XXXX and XXXX. XXXX, XXXX XXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form SSA-89 from XXXX, XXXX AND XXXX XXXX  WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT WHDEN AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL 5USC55SA!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.
Product: Credit reporting or other personal consumer reports

RE : Investigation Request to Delete Credit Inquires To whom it may concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. 

INCORRECT ACCOUNT INFORMATION The accounts below are reporting incorrectly please investigate these : XXXX SYSTEMS ACCOUNT DELIQUENT ACCT OPENED XX/XX/year> I DID NOT OPEN AN ACCOUNT IN XXXX NOT HAVE KNOWLEDGE OF THE ACCOUNT. I HAVE ATTACHED THE RESPONSE LETTER FROM XXXX WHERE NO ACCOUNT SHOWS UP ON XX/XX/year> NOR DOES THE AMOUNT ADD TO XXXX. DELETE THE ERRONOUS INFO I am allowing you 30 days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation results
Product: Vehicle loan or lease

Thursday, XX/XX/2019 I called XXXX Nissan of XXXX about a vehicle I was interested in online. I spoke with a salesman named XXXX. XXXX and I negotiated price over the phone and I made clear my intentions were to make a down payment of {$10000.00} on the vehicle and finance the rest. XXXX had to get approval from his manager but in the end he came back and told me his manager approved the deal. 

Friday, XX/XX/2019 My wife and I drove to Nissan to purchase the vehicle based on the agreed deal. Our salesman, XXXX had stepped away to make copies of our driver licenses and print the paperwork. He was gone for a pretty long time and eventually another associate came over to our desk. This other gentleman begins to explain how he can not allow us to make a down payment on the agreed upon price of the vehicle because, " we wouldn't make enough money on the deal. '' I argued and pushed back because I was told the manager had approved the deal knowing my intent to put money down. In the end, I agreed to purchase the vehicle anyway, because I wanted/needed it. 

We eventually made our way back to the finance manager, XXXX to close our loan. I told XXXX what happened and he shrugged it off like it was no big deal and even said, " Oh yea we have a new sales manager out there who came from a dealership in Florida. He won't let anyone with good credit make a down payment. '' The next week or so ... 
I called Nissan USA Consumer Affairs to make them aware and they created a ticket so that someone could follow up with me. A man named XXXX called me and explained that since the dealership is privately owned they couldn't really do anything about it, but that he would send it to the dealership directly so they could contact me. No one from the dealership ever reached out for resolution.
Product: Mortgage

I had a Shared Appreciation Modification Agreement with Ocwen. When I refinanced my house this year, conditions of the modification required that Ocwen would receive a percentage of the equity in the home. This calculation was based on the appraised value of the home, minus XXXX. I submitted documentation for XXXX and Ocwen added additional proof requirements not stated in the modification agreement, requiring they speak with the issuer of all receipts ( with places like XXXX this is nearly impossible ) and would not accept official receipts. I then actually met these additional and unreasonable requirements. Ocwen 's calculations reflected discrepancies in amounts, and denied receipts without explanation. Ocwen prevented me from speaking to the team that was reviewing expenses and doing the calculations. I received a payoff that was roughly {$1000.00} more than I should have paid. They denied several XXXX expenses, first claiming that I had n't verified purchase. This was false as I had to provide contact information for my receipts and verified with the entities in question that they had in fact verified my receipts. I had my attorney write a letter requesting answers to several errors in their calculations. Their response was only a letter stating they had already provided me this information, which they did not. I began my refinance in approximately XXXX and it was not complete until XXXX. The attorney letter and response took several more weeks. This is fraud. I need assistance forcing Ocwen to meet their contractual obligation under the shared appreciation modification to honor the documented expenses I provided, therefore lowering the money that was legitimately due to Ocwen by over {$1000.00}. They have been uncooperative and unresponsive. I have attached a spreadsheet itemizing the receipts I submitted for approval. I have noted where there were discrepancies and denial of expenses. I have summarized Ocwen 's calculations at the bottom, providing what I believe to be accurate calculation directly next to Ocwen 's errors. In addition, I have dozens of emails exchanged with Ocwen should they be required to resolve this issue. My belief is they violated the terms of the modification agreement ( I have attached a copy ) and committed fraud by denying me access to appropriate channels for resolution, consistently connecting me to staff that can not clearly speak XXXX which further prohibits resolution, deliberately adding additional requirements for documentation of expense in an effort to avoid crediting me for those expenses, unreasonable requirements for proof of payment that were not expressed in the modification, and unwillingness to provide clarifying information when my attorney inquired as to all of these issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items 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. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX WAY XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX Balance : {$660.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX : {$1100.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX  Original creditor XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX BY XXXX XXXX XXXX : {$120.00} Bankruptcy chapter XXXX Filed on XX/XX/XXXX Reference number : XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card

When using the Special Financing purchase option through PayPal, I purchased an item and interest began to accrue, however, if it was paid off in time then the charge is supposed to be labeled as " paid off ''. On multiple items that I purchased using the Special Financing purchase option, I later returned those items. Instead of Paypal erasing the special financing charges, they simply credited my account balance and left the charges on the special financing purchases list to continue accruing interest! So there are multiple charges on there for items that have been returned that aren't being erased and that are continuing to accrue interest which goes straight in to the pockets of Paypal. I spoke with a representative and they told me this was an error and doesn't happen often. However, it's definitely not an isolated incident and the only reason I caught was because I physically went through my statements. So there are probably thousands of people who are being charged interest for things they thought were returned and paid off!
Product: Credit card

My salary check is direct deposit on the XXXX of every month. In XXXX I sent my payment in with a post it note asking them not to deposist until XXXX XXXX. Because AMEX deposited my check earlier I received a NSF charge of {$34.00} from XXXX. I deducted the {$34.00} NSF from next months balance and sent them a letter documenting the course of events. From XXXX thu XXXX interest fee charges began to escalate for the {$34.00} non payment. In XXXX I sent AMEX the balance on my account and the chards of my credit card after the shredder. I did not tell them to close my account ... it was a message letting them know what I felt about their customer service. XXXX XXXX I received a letter saying, " We may increase your APR ''. " Cash rewards has been forfeited due to cancellation. '' After I received the letter I went online to access my account and it had been deactivated. I tried calling and when they asked me for my account number, they had no record of it. I received no statement in XXXX. XXXX I get a statement and AMEX wants {$2.00} for interest charged. I 'm livid that whoever opened my payment with the not asking for a XXXX XXXX deposit ignored my request. And correspondence from AMEX on XXXX XXXX, XXXX, XXXX XXXX, XXXX, another one on the XXXX, and XXXX proves that the payment received department and correspondence department are n't talking to one another. I also sent a detailed letter inside a payment which AMEX claims they never received. This is a XXXX... note above that I was told in the XXXX XXXX letter that they will not be issuing my rewards money of which I am entitled. I can see now why XXXX is not dealing with AMEX in the future.
Product: Bank account or service

I had a charge that was charged my card as an authorization by XXXX and when i stayed at hotel as told it would drop off and decided to pay in increments for hotel stay ( {$330.00}, {$160.00}, {$890.00} ) as i did n't know how long we would be staying for whole reservation as home was n't ready to move in so we changed our reservation. After checking out i noticed my XXXX XXXX credit card had a charge for the full amount of {$1300.00} and authorization never dropped off. When this happened i contacted bank of america and dispute these and filed a claim for these duplicate charges. XXXX out of the XXXX charges were credit back as permanent credit ( {$330.00} & {$160.00} ). The XXXX was still not credited back after going back and forth with bank trying to get this resolved. The bank made errors when resubmitting and caused delays and issues with claim which was their error. In XXXX i received claim response from merchant and then was allowed to submit rebuttal for claim which i did and faxed back to bank for all XXXX amounts. How can they process XXXX but not the XXXX correctly when there all a part of same amount. They stated it was past time frame. when clearly i responded immediately when they requested along with others they gave me credit back for so it was not past time frame. I then called back in XXXX to resubmit the {$890.00} for the XXXX time. I even specified there was a XXXX XXXX statement on file showing the charge was made on another card and was never refunded. I never received any notiice of result of claim or response since XXXX. I did however receive a response for the {$160.00} amount which they stated was a permanent credit. I called the bank on XXXX to check status again. and once again they submitted claim incorrectly, did n't notify me whatsoever of any result or update or phone call for that matter. My account got closed for the - {$500.00} amount that resulted from that charge when they reversed the temp credit prior to getting my rebuttal and proof of duplicate charge. They were notified, provided every document from me and makes no sense how XXXX transactions for the same thing same stay at hotel and same charge on my XXXX XXXX can be refunded for XXXX but not the XXXX when there all the same issue.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act 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
Product: Credit card

In XX/XX/2023 I made an online credit card account ( XXXX ) payment of {$5200.00} for the prior months total statement balance. When the bank debited {$5200.00}, my bank account was short and the payment bounced. Bank of America from that time has been charging me interest, although I have record of having paid in full and on time for all purchases made. The credit card account is now closed. 

Over the intervening time I have maintained regular contact with the bank, both by various phone calls and XXXX certified letters. There is now an impasse. I maintain bank error is at fault and that I have paid in full all obligations. The bank continues to bill me increasing interest. Nonetheless I continue to keep in contact to show good faith. 

XXXX reports that my XXXX XXXX dropped from near XXXX, where it had been for years, to currently XXXX, due wholly to Bank of America actions. 

I have extensive records of my prior attempts to resolve this problem
Product: Mortgage

I closed on a HAMP modification for my mortgage in XXXX with JPMorgan Chase. Since then I have been having difficulty getting my 2nd mortgage modified under the 2mp program with XXXX. XXXX claims they never received an notification that my 1st loan was modified and that my 2nd loan is eligible. I believe Chase has to input my HAMP modification in to the servicing HAMP system. I believe the system is called the XXXX XXXX matching system. I need the 1st loan to match with the 2nd loan in the system. I tried calling Chase but most telephone representatives do n't understand what i 'm talking about. I desperately need this modification.
Product: Credit reporting or other personal consumer reports

I am writing to request urgent corrections to my credit report, as it appears that my file has been mixed with someone elses. There are multiple accounts and personal details on my credit report that do not belong to me. Please review and update your records accordingly. 

Please delete all addresses that do not belong to me, as I do not have access to or receive mail at these locations. The following outdated addresses should be removed from my file : 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

It's rigged. I paid them enough for credit repair service. Had false debts removed even got a letter in the mail. Over time I realize they never had any options for dispute it takes for me to owe them XXXX $ for them to open up a dispute after charging multiple cards excessively ... Obviously I don't have it, why are you charging all my cards -_- then because you did not get the XXXX dollars you closed my account and BTW I don't owe them XXXX $ they never gave me money. The deal was pay XXXX $ to build credit .... They using false debts as ways to target my credit... Mind you my credit score was only going up XXXX to XXXX pts at a time -_- definitely violates fair credit reporting act. And they try to control the narrative because when they opened their dispute system is not like you can write what happened and their asking for personal documents you dont need to dispute a false report... I can just go to cfpb why would I send them my personal iD and I already know u trying to collect money? It's not like this business gave me anything... They gave me XXXX $ on the account which was for books ONLY and was paid off didn't even use the rest of the money... Then they ask me for XXXX $ for building credit ... Then they started getting greedy and taking avantage relying on the money. Then in return talking about they chaning atm fees like nah thats not the deal or what I signed off on. You can't do what u want without updating the contract and it's terms PERIOD.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information that Credit Bureaus are reporting in error. 
Im disputing personal information that is reporting inaccurate on my credit files. Ive previously spoken to several individuals referencing this matter as well as sent documentation to each bureau to updates these items. These items are misspelled as well as incorrect names and addresses Ive never been attached to. In 2018 I was advised I was a victim of Identity Theft and was advised to lock my Credit profile through all bureaus, in which Ive so. Ive made over XXXXive to six attempts in referencing this matter of inaccurate information on my file. Ive also contacted the Account that the addresses are reporting with file on report. Those companies advised me I dont have an account open with them that I would have to contact the Credit Reporting agencies.

I would like for this information to be removed and updated to the only livable and correct address Ive supplied to each bureau as well as the correct first and last name as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to JPMCB Card Services and i have not hear from then. This was a a notice informing JPMCB Card Services that they have violated federal law because the date furnisher ( then ) fail to send a written notice prior to or with in 30 days after accounts, collections, and late payments to my credit report without sending me a written notice as required by federal law section 623 ( A ) ( 7 ) ; 15 U.S.C 1681s-2 ( a ) ( 7 ) ; 12 CFR 1022.1 ( B ) ( 2 ) ( ii ).
Product: Checking or savings account

i found that somebody had been making charges on my debit card for approximately XXXX dollars i contacted the bank they stopped my card and started a new card out to me and started a investigation during this time they sent me a temporary funds to my account after about 2 weeks they said investigation showed that about XXXX was fraudulent but the rest was not the answer was that the online merchant which was a casino said they had my email address and name attached to the charges i asked the banck for this infor which took them roughly a month to get the ip addresses do no come back to me plus i had a black web scan done through XXXX  credit that came back with all my personal information on it i sent the info to the bank fraud department the still wont call me back this has been going on for about three months now
Product: Credit card

I send my credit card payment on time every month and they charge me fees in the form of interest, I have contacted them once before and they said it would not happen again, It has happened again and they charge finance charges,,, I always send my bill 8 days before it is due. Thank you for your help XXXX XXXX XXXX