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

Yesterday, XX/XX/XXXX, I deposited ( via a teller ) a large check ( {$27000.00} ) into my Bank of America checking account. I wrote the check to myself in order to move money from my XXXX checking account to my BOA checking account. When I made the deposit, I received a XXXX XXXX large deposit hold notice. This notice indicated that {$5300.00} would be available on XX/XX/XXXX and that the remaining {$21000.00} would be available on XX/XX/XXXX. 
Late last night ( XXXX ) I received an automated email from BOA invoking the Reason to Doubt Collectability check hold, with the reason listed as " A hold was placed on your check ( XXXX ) because specific information indicates item may be returned. '' This reason was not actually specific, as it provided XXXX information to explain the hold. 
Today, I went to the branch location where I deposited the check. I was told by the manager ( assistant manager? ) that the hold had been placed by BOA 's back office and had nothing to do with the branch. He explained to me that, in his experience, BOA would typically invoke the Reason to Doubt Collectability hold whenever a large check was deposited, especially if the amount of the deposit was larger than " usual '' for the bank account. I pointed out that the explanation he provided was actually a description of the large deposit hold, not a reason to doubt collectability. He said this is BOA 's unspoken policy, that there was nothing I could do about the hold, and that further contacting BOA would be a waste of my time. He was sympathetic and polite, but ultimately unhelpful in resolving the situation as it appeared to be beyond his control. 

My concern : I am worried that XXXX ) BOA is indiscriminately using fraud-prevention or BSA AML rationale to place exception holds inappropriately in violation of XXXX XXXX ; and XXXX ) that BOA is avoiding providing specific reasons for exception holds ( as required by XXXX XXXX ) by hiding behind a fraud prevention rationale. This is particularly troubling, as consumers attempting to move funds in order to pay off time-sensitive debts or close on a mortgage, etc., may be harmed by such a practice. 

By way of background, I am an attorney, I have never been convicted of any crime, my credit score is in the mid XXXX, my XXXX  account contains at least XXXX XXXXXXXX, my BOA account has not been overdrawn ( I use it as a petty cash fund, and typically direct deposit $ XXXX a month into it ), and both accounts have been open for longer than XXXX months. I also have a credit card with BOA, on which I have never made a late payment. If BOA 's policies or algorithms consider me a fraud risk, I shudder to think how many consumers are being harmed on a daily basis by this institution.
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX- XX/XX/XXXX Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Student loan

I have already filed a complaint not to long ago with you company and I just filed with the BBB as well a few days ago. The dispute was closed due to Navient saying I am in the lowest repayment option. On XXXX/XXXX/15 at XXXX I called Navient and spoke with supervisor XXXX XXXX I was placed on hold several times was told differently monthly payments, was also told I am in a program called select step program and I will be on that program for as long as I own the loan. I was placed on hold because I had told him I need exact information as I am entitled to. When placed on hold I was transferred back to the main line were I had to wait to speak to someone since noone was able to " find '' XXXX for me to speak with again. Finally at XXXX supervisor XXXX XXXX and I spoke and when I had told him what XXXX said he said no he is wrong. I asked him to go over options with me. I current pay {$240.00} for my loan a month and he told me as of XXXX 2015 I will be paying close to {$400.00} a month. I told him I wasnt able to afford that as my monthly and yearly income along with my other student loans puts me into XXXX more then it does now. He told me that I am lucky that that the company has done me a favor as long as they did and havent raised my payments yet. I asked him if we could go over options now for XXXX and I was told by XXXX that I have to wait until XXXX and he was n't going to go over options with me now. I had explained that I dont feel comfortable waiting so long or to the last minuted considering I will not be able to afford almost {$400.00} a month and I will need to figure out how to get the money to pay. He was very rude and nasty. I was also told again that they do not and will not do income based repayment and it is not their problem.
Product: Debt collection

I have received XXXX college degrees and working on my fourth, while in the pursuit of my second degree I took a break and then restarted resulting in some out of pocket expenses. The loans I obtained in the pursuit of my degree. Therefore I owe all of my loans to one lender and I can not also still owe the collection agency, their database was never updated when I returned to school and completed my degree to become a nurse. The above mentioned company is Reliant Capital Solutions.
Product: Credit reporting or other personal consumer reports

I have attempted to have XXXX XXXX, XXXX  and equifax correct erroneous information. I attempted to order.my free annual.report and was denied. I have a common name and they regise to make corrections on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, I am sending my CFPB complaint to inform you that I want the three credit bureaus to be sure to present facts that these are being reported efficiently as per the Fair Credit Reporting Act regulations.They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the items which are erroneous and unverified. Kindly delete these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Amex reported late payments on XXXX credit report which were inaccurate in XX/XX/2022 and XX/XX/2022. Spoke with Amex rep and was told that payments would be removed once account was up to date. This never happened and payments were continuously reported late which cause credit score to plummet. 

According to the Fair Credit Reporting Act 15 USC 1681 sec 602, 604 I never gave Amex permission to report this account on my credit report. The late payments were suppose to be removed, and my right to privacy has been violated. Please remove all late payments immediately.
Product: Mortgage

I contacted Freedom Mortgage regarding a letter that I received after my mortgage was transferred from XXXX XXXX to them. I have a VA loan and I only owe {$25000.00}. I received a letter dated XX/XX/2023, that stated that my mortgage was increasing from {$1600.00} to {$1800.00}, a difference of {$260.00}. According to their figures regarding my escrow account, the Projected Minimum Balance is {$690.00}. The Required Minimum Balance is {$1500.00} making the total needed {$2200.00}. I asked the question, if I pay the Required Minimum Balance will my mortgage payment remain {$1600.00}. I was told No. When I asked why I was told it was because of escrow shortage. I was told that they needed an additional {$180.00} per month to cover the escrow shortage that I was pay off in a lump sum of {$2200.00}. I have talked with XXXX different representatives of Freedom Mortgage. It appears to me that this might be a case of elderly financial exploitation. Your company required Freedom to stop unlawful activities and pay a {$1.00} XXXX civil money penalty. To get the additional money that they need to pay their {$1.00} XXXX civil penalty they will " nickel and dime '' their older customers. If I pay off the escrow shortage my payment should not increase. Please review.
Product: Payday loan, title loan, or personal loan

I applied for a line of credit with Greensky Financing while my house was under construction through one of their vendors, a heating and cooling company named XXXX XXXX XXXX XXXX. I was told that I was approved for a line of credit from the office manager with Triple A, but no documentation was given. Before the work was completed XXXX XXXX wanted payment for services, and wanted to use the line of credit with Greensky. I told XXXX XXXX that I wasn't planning on using the line of credit to pay for their services, and had not received a final bill because the work was not complete. About a month and a half later I received an invoice in the mail from Greensky for {$14000.00}. I immediately contacted Greensky about the invoice, and was told that I had authorized a transaction for {$14000.00}. After several phone calls with a rep from Greensky I finally received a copy of my " signed '' authorization letter. This was the first time I had seen this document. I had not signed it, and it was forged. It was forged so badly that my name was misspelled. After telling Greensky this document had been forged I was told that XXXX XXXX was no longer a vendor with Greensky, but I was still liable for the {$14000.00} because I had voice authorized the transaction. I had never agreed to this, and the only thing that I had said was that I was aware that I had been approved.

I just became aware of the multiple cases of fraud against Greensky Financing that the Consumer Financial Protection Bureau brought against them.
Product: Credit reporting, credit repair services, or other personal consumer reports

account closed and was told it was going to be removed and it's closed and continue to update please delete this account for false information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX  XXXX Bankruptcy Case Number : XXXX ; XXXX  XXXX Bankruptcy Case Number : XXXX ; XXXX XXXX Bankruptcy Case Number : XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX  Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX  XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

TRS sent me notifications about companies I owed. I filed bankruptcy and sent my discharge to TRS. They refused to remove the debt I had with XXXX, XXXX, XXXX, XXXX. 
I then mailed in money orders to TRS to cover Returned checks and fees. I called TRS to inquire why none of these items had been removed. I was transferred to the legal department and was told by their attorney, that they dont have to remove my debt. Even though I filed bankruptcy and paid others. She the attorney said according to Georgia law, they can keep the debt on my record for ( 7 ) years. And there was nothing I could do about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 USC 1681B premissible purpose This company is in violation of the fair credit act.. I did not give permission or consent or signatureFor them to be reporting anything on my credit report I would like this account removed immediatelyRemove this account permanently from my credit report it does not belong there I have a right to privacy XXXX XXXX XXXX. Date opened, XXXX. XXXX, {$4100.00} XXXX XXXX. Date opened, XXXX. XXXX, {$610.00} XXXX XXXX. Date opened, XXXX. XXXX, {$890.00}
Product: Credit card or prepaid card

Good afternoon, we have about 3 credits cards that refuse to wok with us due to the corona virus, I retract that 2 helped in the beginning but we are still not 100 % back to work as our governors has a mask mandate in place and my husband and I have a medical condition and can not wear a mask and most of our customers are requiring masks to be worn in their homes. At first some did postpone payments however the interest kept on being added and some late fees, which this brought us passed our credit limit, now that they have stopped and are wanting payments to resume they want $ XXXX to {$1700.00} up front which of course still not working 100 % it almost impossible to do, so now late fees are piling on, reporting to credit bureaus are still going on ( which they did even when they were not requiring payments ) My XXXX XXXX XXXX   MasterCard - XXXX XXXX  XXXX Costco - Citicards XXXX BestBuy Credit Services XXXX I also have credit companies that have reduced or closed my accounts even when there was no balances or was never late and still making payments i.e. The home depot card ( which we use for business ) XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX   and several others. 
I have no problem making payments to these companies but they have to be reasonable with payments as this is NOT something we caused, I have told them we can probably do $ XXXX {$150.00} per month and we even asked for them to reduce interest and stop late payments but they will not work with us. 
Thank you XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I had XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX XXXX XXXX XXXX. XXXX. They cancelled all my cards. A lowered my scores. XXXX. Had. Almost XXXX. They only put what owed. Not my. High number on credit. Lowered my. Ratio. Becouse. I disputed airline ticket they didnt help with. I have XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX destroyed. My numbers. I have fair. Never missed. Payment. Ever. No negatives. Ever. 4 houses. Rhode Island. Maine. Concrete company. XXXX kids. XXXX. XXXX vehicles. I got this. Fair. People lose there houses. Cars get repo. They get better scores than me. I very disappointed. I hired lawyers. And. XXXX XXXX. XXXX Credit. Im upset. Alwsys pay bills on time hole life XXXX XXXX. They made XXXX out my credit. No negatives ever. Thank you
Product: Debt collection

Recognizing that I am the consumer and the original creditor, I noticed some issues with XXXX and the alleged debt. This is not my debt, and I have been violated by XXXX regarding this alleged debt in a list of ways. 

According to 15 USC 1692 b ( 1 ) of the Fair Debt Collections Practices Act, they should not have stated that I need to pay on a debt, via Credit Collection Services. This is a violation. 

According to 15 USC 1692 b ( 5 ) of the Fair Debt Collections Practices Act, they should not have used any language or symbol on any envelope orin the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. This infringes on my right to privacy. This is a violation. 
According to 15 USC 1692 d ( 2 ) of the Fair Debt Collections Practices Act, they should not have executed the use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. Telling me to remit payment was interpreted as obscene to me. This is a violation. 
According to 15 USC 1605 ( c ) of the Truth in Lending Act, property damage and liability insurance premiums are to be included in finance charges of consumer credit transactions. This would include my auto loan for the car tied to the XXXX insurance alleged debt. It was not included, technically making my contract null and void, because fraud trumps any solemn contract. This is a violation. 
I never gave permission to Credit Collection Services ( who is acting for XXXX ) to have my information. No consent by definition is Identity Theft. 
These violations overall all have also caused distress to my life. The derogatory mark from XXXX on my credit report has negatively affected me being able to get financing, caused issues with hiring, and has brought about physical stress to my life, due to extra work and strenuous effort.
Product: Money transfer, virtual currency, or money service

I have had approximately {$10000.00} in an interest account in BlockFi for over a year. As a result of ties with XXXX, they are pausing my transfer from my XXXX in my BlockFi digital wallet to my external digital wallet. Please help.
Product: Credit card

XXXX I purchased a XXXX XXXX XXXX XXXX XXXX  card for {$4200.00}. XXXX uses an authentic guarantee program that the card was sent to prior to coming to me. When I received the card, it was the incorrect card and another card. I contacted XXXX who did their investigation and confirmed that I was sent the incorrect card. XXXX had requested that I send back the card that I received in order to process my refund. I sent back the card which I have proof was delivered to them and then I didn't hear anything from them for over 2 weeks. At that point I opened a dispute with synchrony bank and a day later XXXX advised me that their ticket was closed as soon as I dispute the charge with my financial institution. Long story short, I have disputed this charge more than 6 times and have not had any luck getting the amount of {$4400.00} overturned. I have provided proof of delivery, confirmation that they received it, emails from XXXX advising them they they were going to provide my refund, emails from XXXX apologizing for the inconveniencie. I am approaching my wits end with this as they have turned down my dispute again as of recent and this is a large purchases. I need help getting this dispute over turned. I have lots of documentation that I have provided synchrony bank and I am happy to provide that again.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  a XXXX # XXXX, has violated my rights. 

15 USC 1681 section 602 states i have the right to privacy.

15 USC 1681s section 604 A Section 2 : its also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for ant purpose.
Product: Mortgage

I have an existing mortgage being administered by Loan Depot that closed earlier this year ( XXXX XXXX ) and recently one of their reps called me to ask if I wanted to refinance due to rates having gone down. I replied that the rate and any fees would have to be low enough to justify it. The rep said he has all my info due to the current account and could do 2.5 % with only {$1200.00} in total out of pocket costs/fees because my current loan had closed only a few months earlier. I called him back to accept the offer and he then proceeded to do a new credit check ( which is only better since earlier this year due to revolving credit bal reductions ) and initiate processing. Subsequently, Loan Depot sent me documentation asking for many thousands of dollars in closing costs. I escalated the issue there and was bounced back to the first line lending officer I was dealing with, XXXX XXXX. He claimed that the processing is when they determine what they could do from a loan-terms standpoint. This is blatant dishonestly and fraudulent bait and switch marketing tactics, which also degraded my credit report with an unnecessary credit check.
Product: Credit card

I am writing to seek assistance regarding a serious and ongoing issue of cyber security and identity theft that I have been experiencing for over a year. It began XX/XX/year>. I started noticing my apps were altered, my passwords were constantly being changed and still is, my information gets altered, they have tried to personate me. Despite my efforts to secure my personal information and take preventive measures, the hackers continue to exploit my identity, causing significant distress and financial harm. In XX/XX/year>, I changed phone carriers and switched to XXXX. This is where the issues escalated. My phone number was different, my bill did not match my XXXX. information, and my XXXX account sometimes did not match the IMEI number. Additionally, my devices would occasionally show another name. My passwords began to be changed, my apps looked strange, my downloads were missing and indicated they were on another device. I noticed screen sharing on my devices, my camera light turning on, and overheard conversations coming from my phone. I notified XXXX and began paying for XXXX XXXX in XX/XX/year>. I filed a police report in XX/XX/year>, left XXXX, purchased a new XXXX XXXX XXXX, and started with XXXX in XX/XX/year>. Despite these efforts, the hackers have persisted in their malicious activities. I purchased an XXXX XXXX XXXX, hoping that the advanced security features would help protect my personal information. Unfortunately, the hackers have persisted in their malicious activities, even with this new device. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.Since the very beginning of this ordeal, I have had XXXX XXXX, but they have not provided the assistance I need. They have not contacted my credit card companies or banks on my behalf as it states on their website. As a result, my credit card companies have closed my accounts, and my credit score has suffered significantly. Despite providing police report numbers and filing fraud disputes, my situation remains unresolved. My payments are constantly late, leading to increased fees and higher minimum payments. I spend hours every week on the phone with various entities trying to resolve these issues. 

Citibank was the first card that closed my card. I have never been late on payments until this ordeal. Not even during XXXX. But yet they didn't work me, nor cared I was the victim, and treated me with no respect. After them closing me account, I still make payments even them closing my account. I mean it was quick for them. And little by little I have lost everything I worked so hard to do. And I am the victim here.
Product: Money transfer, virtual currency, or money service

I am a Citi Bank debit card holder. I wanted to transfer my rent to my landlord from CITI bank to XXXX XXXX. I finished my wire transfer on XXXX XXXX and It is already XXXX XXXX. My landlord still di n't receive money. Citi didn't give me an explanation and solution to this. 

The transfer is on : XXXX, XXXX Wire transfer : CITI BANK Amount : XXXX $ Status : not transferred