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

I initiated 2 claims with Bank Of America on XX/XX/XXXX  for fraudulent debit card charges on my checking account. One was in the amount of {$980.00} and the other was for {$640.00}. The date range of the fraudulent transactions went back as far as 11 months prior to XX/XX/, but many were more recent. These fraudulent charges were made against my checking account debit card without my knowledge or consent. My debit was in my possession at all times. 

I filed the claims with the help of an associate in the BOA Debit Card Fraud department on XX/XX/23. The debit card charges were initially put in a " Temporary Credit Adjustment '' status and then later denied because they were " outside the 12 month window ''. If that were true ( and it is not ), why would the BOA associate have helped me file it? Plus, if BOA took too long to review the issues, why should I be penalized for that? That " blanket '' explanation did not apply to the dozens of fraudulent charges that occurred over several months. Additionally, why would BOA provide a temporary credit adjustment if they thought it was outside of the 12 month window? This does not make sense on many levels. I appealed these decisions to BOA and my appeals on both claims were again denied. 

This result was very disappointing as I have filed other claims for much smaller amounts and they were paid. That seems inconsistent. 

I acted in good faith and I expect Bank of America to do the same. Please review and advise. Thank you.
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.

This list of inquiries that the creditors have put on my report has inconveniently as well as severely violated my rights!

Account name- XXXX XXXX XXXX Account type-Cell phone : Account number XXXX. 



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 know with one hundred percent certainty that the information is inaccurate, and I had never given any of those creditors the right to put those on my credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the XXXX and TransUnion credit bureaus that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XX/XX/XXXX ; XXXX  XXXX Balance : {$0.00}.
Product: Mortgage

I closed on the property at XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX and Valley Bank was my lender.on XX/XX/XXXX I now found out that the property is now unhabital and so I wanted to deferred my monthly payment until I get matters sorted out.The bank note state " owners occupancy '' but I can't move in because my cess-pool is under concrete and its not funtionable and all the pipes are rotten. It's has been there since XXXX and I now need a new one. How do I live in a house without a cess-pool? In addition Valley Bank used a certificate of occupancy to close the house which was last update in XXXX even though they were aware that work was done to the house in XX/XX/XXXX, as a result I am incurring violations for unpermittted work I had nothing to do with for XXXX of thousands of dollars of which money I do not have. The certificate of occupancy that was used to close does not match the building as it is today. Valley Bank was aware that this was a bank owned property and did not do an inspection to ensures that's it is livable to some extent since they had a stipulation of " owners occupancy. '' I was not aware that this property was bank owned and that no lived in it for 6 years.Valley Bank wants me to pay a mortgage due XX/XX/XXXX for something I am not able to live inside. So XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX did a three way call to valley bank Mortgage department 5 times to get some assistance to deferred the mortgage so I can sort out all the legal issues I have. All five time Valley Bank mortgage department comes on the line and then disconnected the phone calls. Valley bank has done wrong to me in every way possible and now they are trying to bully me. I need help in deferring the mortgage until I can figure out how to get this house livable-a stipulation Valley Bank demanded from me. How can I pay for something I can't live in? How Valley Bank allow the certificate of occupancy to be used for closing that did not match the building? They were the most important component of this transaction and they paid out over half a XXXX dollars on my behalf without securing my investment.
Product: Checking or savings account

On XX/XX/2020 and XX/XX/2020 PNC Bank charged my account XXXX each time without telling me they would do so. They said I signed an agreement 6 years so saying they might do that but haven't produced the agreement. They started these charges right in the middle of the pandemic. Grossly unfair. I contacted them on XX/XX/2020 ( XXXX XXXX and XXXX XXXX ) and they said there is nothing they can do. If it started in normal times I would have noticed right away but these are NOT normal times. Companies should be trying to help consumers, not hurt them, during this time. They said I received emails on this but they never tried to call or send a letter or anything.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft in NY. The company XXXX XXXX opened an account in XXXX, in my Name XXXX XXXX My Last name is from my first married now XXXX XXXX. I moved to Florida, and I have been here in Florida since XXXX. I do not have an idea who opened an account and why XXXX XXXX did not ask for Identification from the person who called for service. I know about it because I am in the process of buying a house and I am monitoring my credit score via credit karma. I saw that in my record, and I immediately called XXXX XXXX and they referred me to the agency of collection Online information service. 
I called the agency of collection, and they gave me the information. I let them know that couldn't be me because I moved to Florida in XXXX. They gave me instructions on what to do, file a police report, and send a copy of my driver 's license, and proof of address by the time the account was open. 
I sent all the information that they asked me for, and I received a letter saying that they had received the information. 
I really need them to remove that information from my records as soon as possible. 
Thank you so much for your support! 

sincerely. 

XXXX XXXX XXXX
Product: Checking or savings account

I am writing you today to complain about the problems Ive had with getting Popular Direct to release my finds to me. In XXXX of this year I opened an account with them and quickly realized this was a mistake. I sent them the attached letter requesting my funds be returned to the bank I used to open the account, and I have yet to either get a response from this letter or have them return my funds as requested. Ive made three calls to their customer service department this week about retrieving my login credentials so I can remove the funds myself and they have called me once but I have only gotten conflicting and increasing requirements from Popular Direct. At this point I am still attempting to see what it will take for them to fulfill their fiduciary duty for me and dont have much confidence in them doing so without getting outside help to convince them to do so. Hopefully your organization will be able to help here, thank you in advance for you consideration in this matter. 



Here is the letter I referenced above with my information redacted. 


XX/XX/year> Popular Bank Attn : Popular Direct Products XXXX XXXX XXXX XXXX XXXX, FL XXXX Dear Sirs : I am writing you today to cancel account number XXXX that was opened Monday XX/XX/year> as soon as possible without incurring a charge for early cancellation. Please return the funds to the bank used to make the deposit. And Id like you to extend my thanks to the highly incompetent customer service representatives I talked with earlier today when I couldnt access my new account, I had some apprehension about opening an account with your bank and they proved without a shadow of a doubt that the apprehension was warranted before Id deposited more funds. They also motivated me to finally get identity theft protection, Im worried what they could do with my personal information and hope theres something the bank can do to keep them from utilizing it. 


Regards ;
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX Subject : Dispute of Unauthorized Personal Loan Reporting Dear, I am writing to formally dispute an entry on my credit report related to a personal loan reported by Affirm. I have reviewed my credit report and found an entry for a loan that I did not apply for or authorize. This entry is inaccurate and violates my rights under the Fair Credit Reporting Act. 
Details of the disputed entry are as follows : Creditor Name : XXXX Account Number : XXXX  Date Opened : XX/XX/XXXX I have never initiated any application for a personal loan with Affirm, nor have I given permission for any such transaction. Therefore, I request that you investigate this matter promptly. Under the Fair Credit Reporting Act, I have the right to dispute inaccuracies in my credit report, and I am requesting that this entry be removed from my report. 
Please conduct your investigation and provide me with the results. I would appreciate a written response confirming the removal of this unauthorized entry from my credit report. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Mortgage

I am facing a foreclosure sale date on XX/XX/XXXX. I have been trying for three years to get my mortgage lender Specialized Loan Servicing to work with me and provide information on the transfer of my loan to their company. My wife and I had this home built and have lived here over 20 years. We are both retired and on fixed incomes and have tried to get SLS to work with us. They have been difficult to deal with and have refused to provide me with requested information. After I got an Attorney involved to obtain an accounting and this information, they offered me a temporary modification, which I accepted and made the payments as agreed. However, when I received the paperwork to make this permanent, they had increased the payment almost {$700.00} a month to start, and it would keep going up over time. I was also shocked that there was a balloon payment of {$250000.00} added to the end of the loan?? My balance is only {$370000.00} and after 30 years of payments there would be an additional $ XXXX added? I asked for paperwork to back up the application of payments and accounting and this has not been provided and instead they have pushed me towards foreclosure. 

As mentioned, my wife and I have lived her 20 plus years. We bought the land, financed the construction and hoped to spend the rest of our days in this property. We have discovered some irregularities and inconsistencies in our mortgage paperwork and have requested on multiple occasions that SLS provide us with documentation, but we have been blocked at every turn. We were coerced into refinancing into a predatory loan while XXXX XXXX XXXX held the rights to our loan and the interest rate of 16.9 % was not affordable for us. This coincided with the recession and unemployment and my eventual retirement after 30 years with the postal service. We were eventually able to get a loan modification and get back on track. However, the loan was transferred to SLS on XX/XX/2015. At that time, I requested certain documentation relating to my loan payment history and documents from origination. I received a letter from them stating that this information had been sent to me, but that statement was false -- I never received this information. 

My wife and I are both retired and on fixed income. My sister stays with us as well and helps with the bills. We have sufficient income to afford a fair and reasonable loan modification. However, we are still requesting the information relating to the transfer of our account -- specifically 1. Copy of the promissory note 2. Copy of the Deed of Trust 3.  Welcome letter from your company verifying the service transfer and the new role of SLS in the process 4. Escrow accounting and analysis 5. Payment history with transaction codes 6. Pay-off information 7. Signed modification paperwork from previous agreements 8. Copy of the Deed of Trust that has been transferred to SLS 9. Copy of the Pooling and Servicing agreement for SLS and investor We want to resolve this matter but need Specialized Loan Servicing to work with us.
Product: Credit card or prepaid card

I APPLIED FOR AN APPLE CREDIT CARD AND WAS APPROVED. I DID NOT MAKE A TRANSACTION ON THE CARD EVEN THOUGH A BALANCE APPEARED ON THE CARD. I WANT TO DISPUTE THIS TRANSACTION. THE PHONE NUMBER ASSOCIATED TO THE CARD IS XXXX AND THE EMAIL ADDRESS IS XXXX. BOTH, NUMBER AND EMAIL ARE NO LONGER ACTIVE. 

MY ACTIVE PHONE IS XXXX AND EMAILS ARE AS FOLLOWS : WORK AND PERSONAL XXXX XXXX I HAVE APPLIED TO RETURN TO SCHOOL FALL TERM 2023. I WOULD LIKE MY APPLICATION TO BE CONSIDERED AS SOON AS POSSIBLE. THANK YOU XXXX XXXX XXXX
Product: Student loan

I am a co-borrower with my daughter who completed her XXXX from XXXX College XXXX, MA. I have been dealing all the correspondence and making payments of the loan. 
The First loan Application was from NellieMae for {$20000.00} for the period XXXX Loan was never disbursed to XXXX College MA Moreover we never heard about NellieMae. 
The Second Loan Application was from SellieMae for {$18000.00} for the period XXXX Loan was never disbursed to XXXX College MA The Third loan Application was from SellieMae for {$15000.00} for the period XXXX Loan was received by XXXX College MA as mentioned in their loan Letter attached and copied to Navient several time. We did not receive any documentation of proof from Navient. 
We send the following letter to Navient in XXXX If you have made a payment to XXXX College . Please send front and back copies of the cancelled check sent to XXXX College showing the check cashed by them. If the payment was made electronically through your bank. Please contact your bank to obtain the Electronic Funds Transfer number so that we can confirm from XXXX College. 
In the absence of the correct documents I will not restart the payment of two Loans. However, I will continue to make the payment of the Loan received by XXXX College. 
As per your document for Loan XXXX a principle of {$2300.00} and payment of Interest of XXXX made to you. 
As per your document for Loan XXXX a principle of {$2200.00} and payment of Interest of XXXX made to you. 
As per your document for Loan XXXX a principle of {$3300.00} and payment of XXXX of XXXX made to you. 
The two Loans ending in XXXX and XXXX which were not paid to XXXX College, we have paid a total principal of {$5600.00} and interest of XXXX. The total of XXXX must be applied to the only loan paid to the College. This conclude that we have made a payment and interest more than the loan. 
Selliemae did not provide us any information about the Disbursement of finances to the college.

On completion of education as required by Sallieme we started the repayment of loan.
Product: Checking or savings account

WITH NO PRIOR NOTICE : Chase displays a screen, upon login, that requires customer to 'accept ' both a 125-page Digital Service Agreement ( DSA ) and a 11-page E-sign authorization. ... and NO option to NOT accept it. All access to the accounts is blocked, immediately. When contacting the CS department, they concur; agree or no access.

Regardless what the 125-pages say, there is NO WAY it should be legal for them to block access to our funds/ their services without warning and options to react to their intent. Some of us have Bill-pay and other systems we need to work to meet our obligations. 

The 125-page DSA is , simply, a " We are not responsible for anything and can do anything we want, monitoring, changing global vendors who collect and monitor your personal info, etc. etc etc. ) ''. While I MAY understand parts, it is not something one should take lightly in accepting. 

To not provide the option to 'reject ' this DSA ( and maybe not use some of their services, but retain account access, etc. ) should be illegal. OPT IN was, per my understanding of FCRA, never to be the default or requirement for legal notice. And NOTICE was always required.. 

CLosing the account ( s ) is an option that I may pursue... but I have to 'accept ' in order to meet my monthly billpay requirements. This is holding consumers hostage and should be illegal ....

Shame on Chase. I'm sorry they got burnt, but this is NOT the way to fix it, IMHO ....
Product: Debt collection

I have a lawsuit filed against me by the law firm XXXX XXXX WALTERBACH XXXX XXXX XXXX XXXX XXXX XXXX. The law firms website states that they are a debt collector and I never received any notification from this law firm prior to them filing a lawsuit. This is in violation of law since I was not given a chance to dispute or have the debt varified.
Product: Debt collection

I called JH Portfolio Debt on XX/XX/XXXX and tried to settle my account for {$500.00}. Instead of trying to settle I was threaten. They said they were sending my account to an attorney and I was being sued. Again I attempted to settle instead they came back with an offer of {$660.00} I told them I was on a strict income and could not afford that. They refused to lower to {$600.00} and basically told me I was out of luck.
Product: Mortgage

i applied for a loan of XXXX using XXXX property as collateral to citibank last year in oder to prevent the city from foreclosure on some tax lien on the properties and for some upgrading to it however the bank denied my application and has not provide me with explanation as to the reason. my credit is consider excellent above XXXX range. I was force to filed complaint in court but they have not care for my situation that at the moment am dealing with city attempt to foreclose on me cause cash situation. The case is pending in court for about a year and they have not change their position despite i being a gold category client of the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX   is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX  XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX
Product: Debt collection

On XX/XX/year> a court hearing was held within XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I was present for said hearing, however Portfolio Recovery Associates LLC did not show/attend. A default judgement of dismissal was issued on my behalf. On XXXX XXXX Portfolio Recovery Associates LLC filed another law suit against me for the same matter that was dismissed on XX/XX/year>. This legal tactic is both XXXX and XXXX and violates the law and my rights.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/2020 No knowledge of account
Product: Checking or savings account

I am writing to formally file a complaint against PNC Bank regarding an extremely disturbing incident of identity theft and the apparent mishandling of the situation despite multiple attempts to resolve the issue with the bank. 

In XX/XX/year>, I discovered that a fraudulent account had been opened under my name without my authorization. I immediately reported this issue to PNC Bank, and I was repeatedly assured that the account was frozen, that an investigation would be conducted, and that the credit reporting agencies would be notified. However, despite these reassurances, I received a shocking account statement in the mail today, indicating that : Funds were deposited into this fraudulent account.

A debit card linked to this account was used to make multiple ATM withdrawals.

I would like to emphasize the following concerns : Unauthorized Debit Card Issuance : Debit cards are typically mailed to the account holders home address. I have never applied for or received a debit card from PNC Bank. How did this card end up in the hands of a bad actor? This raises concerns about internal controls and the possibility of insider involvement. 
Failure to XXXX XXXX : If the account was truly frozen as claimed, how could transactions, including ATM withdrawals, occur? This suggests either gross negligence or a lack of transparency in the handling of this issue.

Potential for Fraudulent Activity : The ongoing use of this account by bad actors not only jeopardizes my identity but also poses a risk to the broader financial system.

This situation is deeply distressing, and it is unacceptable that despite my proactive reporting in XX/XX/year>, fraudulent activity has continued on this account. 

I am demanding the following actions : Immediate Escalation : Escalate this matter to the highest levels of PNC Banks fraud investigation department and provide a detailed explanation of how this breach occurred.

Comprehensive Investigation : Conduct a full investigation into the unauthorized account, the issuance of the debit card, and the transactions made.

Closure and Rectification : Permanently close this fraudulent account and ensure that my credit is not negatively impacted in any way.

Confirmation of Actions : Provide written confirmation of all actions taken to resolve this matter, including a statement affirming that all fraudulent accounts and activity have been reported to the credit bureaus.

Transparency and Accountability : Share the findings of the investigation, including how the debit card was issued and accessed by a third party.

I also escalated this complaint to the Better Business Bureau ( XXXX  ), and now with Consumer Financial Protection Bureau ( CFPB ), and any other relevant regulatory authorities. Thank you for your immediate attention to this matter. I expect a prompt and thorough resolution.
Product: Credit reporting or other personal consumer reports

There was a credit card from Bank of America issued in 2022 which is not mine that is fraud I already have an account with them with Bank of America why would I request for an additional account
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving others vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.