23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I was told by the originator that I should expect a certain payment and closing costs that would be rolled into the mortgage product. This was all based on my estimated value of the property in Washington DC. The appraisal came back lower than my estimate and I warned the originator that using the an appraiser who doesn't do appraisals in my area would render my property much less valuable. 

Instead they're now telling me that I'll need to bring XXXX to closing to cover the difference in the estimate. I don't have XXXX to spare. My wife and I are XXXX our XXXX XXXX and for this company ( Amerisave Mortgage ) to pull this is ridiculous. What makes it worse is that  XXXX XXXX recommended Amerisave through their website. I'm considering filing a complaint against XXXX XXXX as well. 

I also had lots of trouble reaching my loan originator once I realized they were trying to have me bring XXXX to the table. He wasn't answering my questions nor forthright once this was revealed.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I received a letter in the mail from XXXX XXXX XXXX, XXXX alleging that I owed {$54.00} for an unpaid electric bill from XXXX XXXX, the XXXX XXXX. I requested information on that date. Apparently, this was the final bill issued on XX/XX/XXXX after I ended service and I moved from that address. I had my mail forwarded to my new address. I received no information that this final bill was sent, that I owed this amount, or that I had anything due and owing to XXXX XXXX. 

I followed up with XXXX  on XX/XX/XXXX stating that if I do not receive any proof by XX/XX/XXXX that this debt was owed by me, I would consider the debt removed from my account. On XX/XX/XXXX, I received a response from XXXX  in the mail with simply a copy of the bill and nothing further such as showing that this bill was sent to me, that I owed this amount, or that I had anything due and owing to XXXX XXXX. 

The next I heard about this matter was on XX/XX/XXXX, when National Recovery Agency placed a negative mark on my credit account. After I called them, they could not describe how they obtained this debt from XXXX, and why they immediately placed a negative mark on my account. Being that I am working to obtain a loan to purchase a home and a different loan to purchase I car, I had to pay this immediately to get this off my account, with a reservation of rights. Then, they told me it would take anywhere from 30-90 days for this to clear from my credit, that will likely cause me and my family great harm. 

The amount owed is miniscule to me. This is simply a matter of principle, where these predatory agencies fail to follow the law and place innocent people in their crosshairs, greatly affecting their lives. They must be punished!
Product: Consumer Loan

I have sent Kay Jewelers several letters but they have not replied to any of them. This is NOT my account! XXXX is my ex - husband & has all of my personal information from when we were married. When we separated he stole my driver 's license, Social Security Card, Birth Certificate & other personal documents that I had to replace. This is not the first time he or his wife now has used my information to obtain money, credit, goods, loans, services. He also shares my information with his current wife XXXX. I recently put a fraud alert on my credit file.
Product: Credit reporting, credit repair services, 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: Debt collection

I was notified by my bank that my bank account was frozen on XXXX/XXXX/2016 for a debt I have not been notified about or received any notice of. I have received no collection forms, calls, letters to this point from this company in at least 12 years of said debt. I have yet to receive notice of this debt but my bank account is now froze.
Product: Credit reporting or other personal consumer reports

I PULLED A COPY OF MY CREDIT REPORT AND NOTICED THE XXXX ACCOUNT IS STILL REPORTING MISINFORMATION TO MY PROFILE. AFTER SEVERAL ATTEMPTS FROM CONTACTING THE CREDITOR DIRECTLY AND CREDIT BUREAUS VIA CERTIFIED MAIL. I WAS ADVISED THE ACCOUNT WOULD BE REMOVED DUE TO THE INACCURATE INFORMATION BEING REPORTED. THIS HAS SEVERELY IMPACTED MY CREDIT. 

EACH COMPANY HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY TO CONSUMER PROFILE WHICH IS IN VIOLATION OF 15 USC 1681 EB.

THESE COMPANIES ARE REPORTING INACCURATE : PAYMENT DATES, PAYMENT HISTORY, AND ACTIVITY. THIS ACCOUNT SHOULD'VE BEEN REPORTED AND FURNISHED THE EXACT SAME TO ALL CREDIT REPORTING AGENCIES. AS AGREED THIS ACCOUNT WAS, PAID, SUPPOSED TO BE UPDATED AND DELETED FROM MY CREDIT PROFILE.
Product: Credit card or prepaid card

XX/XX/XXXX, I XXXX XXXX XXXX open a XXXX-credit card with Navy Federal Credit Union . Fast forward to XX/XX/XXXX I was dealing with hardship, so I reached out to Navy Federal Credit Union, and they decided to give me 2 months payment free to catch up on my payments. In the two months I lost my credit card, and I didn't know due to me not using it because it was maxed out. Two months later I go online to naveyfed.com to start making payments again but my account was locked. I called them to let them ask why my account is locked, they stated that I spent {$24000.00} over my spending limit. I stated to them How is that possible!!! 
1. My account was locked due to hardship and maxed to spending limit. 
2. how did you guys allow the thief to spend {$24000.00} over my limit 3. Why didn't the fraud department catch the transaction while they were taking place?
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX My XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Credit Bureau : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : LaXXXX XXXX XXXX XXXX : XXXX To Whom It May Concern, This letter is a follow up to my original letter dated ( XX/XX/XXXX ) regarding an inaccuracy in your credit reporting. Specifically as it relates to credit inquiries that I did not authorize, made + by the following companies : Inquiries : 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 1 did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 18 I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's 164 office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX you may be liable for willfulw non-compliance.
Product: Payday loan, title loan, or personal loan

I officially filed for chapter XXXX bankruptcy on XXXX. This included any and all outstanding debts including my debt with Leap Credit. They began texting my personal cell phone and e-mail trying to receive payment on XXXX. I have since given them the name and contact information as well as the name of my attorney and case number for my bankruptcy. They have still continued to contact me at which time I told them to not contact me any further on XXXX. I received another text from them today ( XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : INQUIRIES : XXXX XX/XX/year> : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting or other personal consumer reports

I have contacted Experian and disputed said items for a month. the account is XXXXXXXX XXXX XXXX XXXX Experian has inaccurately reported this information incorrect and refuse to remove it. I have submitted proof from the original creditor and they have submitted the correct balance to me and Experian. Experian has reported this balance as XXXX which is in accurate. the remaining balance on my mortgage loan is XXXX. I have sent proof and uploaded documents and Experian has refused to report the information inaccurately. I have been denied credit I have had to go to doctor for headaches and chest pains and stress. This needs to be fixed and reported accurately. I called and talk with a representative from Experian and she told me I would have to file suit and was very rude. I told her I had all my documents so I will be filing suit for willful neglect and damages for XXXX the cost of my mortgage. this has caused and extreme hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and Experian constantly change the date of an alledged Charge off to extend the statue of limitations.
Product: Debt collection

On XX/XX/2017 I paid off {$49000.00} to D & A Services and promised they would remove all negative information from all my credit reports, they did not do it! Previously this debt belong to XXXX XXXX XXXX XXXX.
Product: Credit card or prepaid card

I have contacted BoA numerous times for a dispute on unauthorized fraudulent transactions. The first time I was denied the agent told me that it was because of not being able to get ATM security footage. However they agreed that I shouldnt be held responsible for that so they reopened it. After that it was reopened several times and each time would be a different reason or they couldnt give me one. Also it was as if they would deny it immediately because the claim would be closed within the next day or two without it being reviewed thoroughly. I have still yet to be credited back the amount of money taken. It has become an inconvenient and now have gotten behind on bills. I also asked several times to mail out any documents they used to make a decision but I have never received anything. Also there are already allegations against BoA for prepaid accounts being frozen and not crediting money back to accounts that also reported unauthorized/fraudulent transactions. This is a very unacceptable business practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint and sent a letter out on XX/XX/2022, to convergent outsourcing, XXXX, XXXX, and XXXX. My complaint # XXXX. However, it has been more than 30 days and this account has not been deleted from my XXXX account. this is not making any sense being that this account is fraudulent and this company trying to collect this debt isn't even licensed and legally allowed to collect in the state of Florida. 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. As i stated previously Convergent Outsourcing is not licensed/registered to collect in the state of Florida. That is illegal! According to the law U.S. Code 1681i- Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30 day period beginning on the date in which the agency receives the notice of the dispute from the consumer or reseller.
Product: Money transfer, virtual currency, or money service

XXXX scammed out of {$1000.00} on XX/XX/24, funds were sent through Zelle. XXXXXXXX XXXX XXXX XXXXXXXX to dispute transaction but they denied my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was just notified that my credit card is several months past due. I had it set up for auto pay with XXXX XXXX XXXX sold that card division to Commenity bank and My {$14.00} original purchase never got paid. Because the amount was so small and the bank was going through a conversion apparently it didn't get reported right away and was allowed to go several months past due and now is reporting on my credit as over 120 days late but this is the first i'm hearing about it from commenity bank and it never reported on my report as late before. I called in and spoke to a supervisor and he could see I had a perfect payment record before this happened. I paid the full amount while on the phone with him and he said to send a letter to the corporate office to see if they can have all those negative non payments removed and restore me to paid on time.
Product: Credit card

I applied for and received a credit card from  Citi.  When I applied for the card, I added my son as an authorized user and informed the Credit Card  Company re presentative that he lived in my home state and we would be using the card to make purchases for a business venture to open a barber shop. After numerous attempts to use the card and having purchases declined, then speaking with  Citi fraud  department representatives to have it re-instated, I contacted  Citi ( in  writing and by phone ) and requested that they cancel the credit card as using it was a nuisance and constant disruption when contractors would show up to do work and the card would decline the purchase. I assured them that I have every intention of paying the card balance as I am very credit worthy. The representative from Citi told me that they would not cancel the card unless I agreed to speak yet again to a member of their fraud department and re-instate the card. To date, the card has not been cancelled as I requested. How can a credit card company force me to keep a credit card open?
Product: Checking or savings account

On XX/XX/2021, I was on the telephone regarding a refund on an item I never received. I noticed at the top of my telephone, many numbers and began to feel uncomfortable with the line of question the person was asking so I promptly hung up. I then went about my daily checklist on my phone and opened the Bank of America XXXX and to my horror {$1.00}, XXXX had been taken out of my checking account by an unknown person to me by a XXXX transaction to XXXX Conf. # XXXX. I called and spoke to a Bank of America customer service person and a claim for scam was filed. I called again to get a progress report and that I would be notified. During a conversation with the representative, I realized that it should have been a Fraud report as I had not authorized the transaction. I explained that it was all the money that I had and had been scrimping to save it as I wanted to go home to be near my children and grandchildren as I am elderly and XXXX and live all alone with no support or help in an emergency. The following day, an additional {$310.00} was taken out again using an ATM again by someone unknown to me. I was given a temporary credit and apparently the person was located because this amount became permanent. 
I contacted Bank of America again on XX/XX/XXXX only to be told that they could not find any fraud complaint on my behalf. I then filed another fraud complaint on the XXXX of XXXX with XXXX representatives, XXXX from Texas and the other from Maryland. 
On XX/XX/2021, Once again I called and once again I had to file another fraud complaint as the one filed on the XXXX on the month of XXXX also could not be found. 
This new fraud complaint is # XXXX. That was the last time that I contacted Bank of America as this has all affected my health very, very badly. I need help, someone to speak and fight this on my behalf. I will be XXXX years old in two months and have very serious health issues. I feel as the bank is protecting the bank and what may seem a small amount of money is my entire savings and ultimately my way of going back home. Without this money, I am lost and will have to remain living alone and in misery. 
Please know that I appreciate anything that you can do to help me. My daughter in law had the exact thing happen to her and she too was with Bank of America but you managed to get her money back for her. This is why I am turning to you. I am just too tired and too sick to fight anymore. 
Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Product: Credit card or prepaid card

It has been 3-4 months since my American Express membership reward account being put on review. Whenever I tried to use my reward account, I would received this notice below : This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. 

I tried to contact customer services multiple time on : 1 ) why it was reviewed? 2 ) when the review is expected to be completed? 3 ) when can I use my Amex reward point balances again? However, customer service can not provide any update nor give me any info on what I can do to help with the review process.

Ive been a long time American Express customer, and normally pay all my balances on time and maintain a good standing with the company, so I am not sure why I got put on review for so long. Further, there are no transparency in this review process, so I would like to get help to get a response from the Company.
Product: Money transfer, virtual currency, or money service

Hi, I have previously made 2 complaints through you about Coinbase and thankfully the problems have been partly resolved but not completely.

After 35 days of account disablement Coinbase decided to close my account which is fine and provided me links to remove my Cryptocurrencies as well as my GBP.

Despite the fact that I managed successfully to remove my cryptocurrencies, the link they provided for my GBP to be withdrawn to my bank account is broken and does not work.

Considering my account could be closed at any time now I am in risk of not having access to my GBP in Coinbase account anymore and Coinbase is not answering my E mails in this regard.

Coinbase only responded once asking me to send them a screenshot of the problem and I did that. however they did not respond anymore and it is now been over a week that I can not withdraw my fund. 
Please look into my case as my fund which is XXXX is there to be withdrawn and their link is broken and the time is going to be up for me and I might lose my fund. I will send you the screen shot of the problem I am facing with Coinbase. 
Thank you. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

We have been dealing with Equifax for over a month now when we found out that our sons Social security number is tied to someone elses name through them. He can not get a school loan, job or credit card because if they do a identity check through any credit bureau it flags as fraud/comes up that he doesnt exist and that his name is tied to another person. I called the SS office and there is nothing wrong on their end. Our sons number is fine according to their records. Equifax told us that we needed to fax over documentation ( license, SS card, cover letter etc ) to prove his identity and we would hear back in 5-10 days that it was rectified. Weve done that on XX/XX/XXXX and again on XX/XX/XXXX and they claim they never got it and/or their fax machine is broken. So we mailed it on XX/XX/XXXX and they said they never got it. We finally sent it certified mail on XX/XX/XXXX and they received it on XX/XX/XXXX and have records from the post office that they signed for it. They are still saying they didnt get it and that we need to send it again. They claim they have no email or any other way to receive it which I find totally unacceptable as it is XXXX. We have spoken to 12 people ( all overseas at a call center ), 4 supervisors, 2 who have hung up on us and have spent countless hours trying to rectify this for our son. They claim that they deal with an overload of documents and have no idea where they couldve gone 4 times???!!!! We have done EVERYTHING they have asked us to do. He can not do anything and is at their mercy. We do not know what to do next besides reporting them to the XXXX XXXX XXXX attorney general and seeking legal action. No one there knows what is going on and they keep reading from a script are are clueless and unhelpful. We are beyond angry and frustrated and do not know where to go from here. My sons whole financial aspect of life is being held up and affected by Equifax and they are continually giving us the run around. It is totally unacceptable.
Product: Checking or savings account

On XXXX XXXX XXXX XXXX XXXX XXXX I made a {$500.00} dollar deposit in person at the Bank of America at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX and I have the receipt that shows the deposit and balance. Well, one day later the deposit completely disappeared from my account and doesn't show that I made the deposit and also doesn't show that I withdrew {$500.00} dollars. Banks are not opened around this time so I'm concerned about the safety of my earnings. I'm not sure what happened to my money that I deposited. What I'm going to do next is go back to bank where I made my deposit and talk to someone in person about getting my money back in my account.