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

Please refer to these complaints against Bank of america by myself : Complaint #  XXXX  on  XXXX / XXXX / XXXX  Complaint #  XXXX  on  XXXX / XXXX / XXXX  Also during  XXXX  - I reached out to prior organization OCC against Bank of america.     For the most latest complaint - I had opened checking account with Bank of america during   XXXX   XXXX   XXXX . They verified all my background - ask all the security questions-did thorough account verification. I was using a promo code - fund the new accoun t with $ 20K and   keep it at least for 2 months to get {$200.00}.   After successful completion of all credit checks and background process verification - i deposited {$250.00} as the initial deposit into the account.     Then due to login to online banking issues - i opened this complaint : Complaint #  XXXX  on  XXXX / XXXX / XXXX  I keep on following about  it. Two  days back they sent all the information about my account - A/C #, Routing #, deposit slips, initial checks etc ... but my online access was not working. Reached out to their twitter handle ... some back and forth messages - but no help.     Yesterday when i called them - they said they have closed my account due to " risk ''??? what???   I am living i n USA  since  XXXX . Very first time came  to USA  in  XXXX . Nobody has ever rejected a bank account for me till now. Went to their branch in person at  XXXX   XXXX   XXXX  branch ... but i was told the same answer ....   i was asked to call  XXXX . After long wait   of 9 minutes - i was told that they are also not aware why the account is closed?
What the heck it is???
Yesterday only i sent another $ 5K to deposit into my accoun  t.     I strongly believe they are retaliating against me as i reached out to CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Mid XX/XX/XXXX, I tried to apply for car loan and was denied credit due to an item that was negatively reporting on my credit report. I pulled my credit report with XXXX and discovered that XXXX XXXX XXXX XXXX ( XXXX-XXXX ) was reporting inaccurate information on my credit report. On XX/XX/XXXX, I sent a letter to Experian, XXXX and XXXX to correct/delete the inaccurate information being reported on my credit report. The big obvious items being reported was DATE LAST ACTIVE : XXXX XXXX Experian- XX/XX/XXXX XXXX XX/XX/XXXX clearly my account has been re-aged and dates across all credit agencies were different ( Ref.A ). On XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX that stated " We have reviewed the history and activity and believe your account has been reported accurately and completely to the credit bureaus. '' ( Ref. B ). I received letter from XXXX  on XX/XX/XXXX stating that my account has been " verified as accurate, however, we updated : Past due ; Payment received. '' ( Ref.F ) If this was verified as accurate why did XXXX need to update? Experian results recieved on XX/XX/XXXX claiming they have updated the information. ( Ref.E ) I recently pulled my credit report from XXXX ( Ref.C ) on XX/XX/XXXX and discovered more inaccuracies 1 ) DATE OPENED : XXXX-XX/XX/XXXX Experian/XXXX-XX/XX/XXXX 2 ) HIGH CREDIT : XXXX- {$2900.00} Experian- {$0.00} XXXX- {$3000.00} 3 ) CREDIT LIMIT : XXXX- {$3000.00} Experian- {$3000.00} XXXX- {$0.00} 4 ) LAST REPORTED : XXXXXX/XX/XXXX Experian-XX/XX/XXXX XXXX-XX/XX/XXXX If XXXX XXXX/ XXXX-XXXX investigated and believed this was accurate, XXXX  & Experian last update was in XXXX. 5 ) DATE LAST ACTIVE : XXXX-XX/XX/XXXX Experian-XX/XX/XXXX XXXX-XX/XX/XXXX 6 ) DATE of LAST PAYMENT : XXXX/ Experian:XX/XX/XXXX XXXX- XX/XX/XXXX As an XXXXonsumer, I made all the valid reasons to request a fair investigation. It seems XXXX XXXX XXXX XXXX/XXXX-XXXX and the all the credit bureaus failed to perform their due diligence to report accurate, verifiable and complete information. This account resulted in headaches and stress and the inability to get approved for a car loan.
Product: Debt collection

This is not valid account, I ask for a validation owing amount XXXX and they could not provide proper documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Absolutely discusted with Wells Fargo and the scam they are guilty of for incorrect auto loan payments and house loan payments among other scams they have been found guilty of in a class action lawsuit keeping my credit rating labeled as junk in the low 500 range for 4 years and costing me $ 1000s in interest rate charges required down payment etc..

I'd like help getting paid from the settlement as I've only received a shotty short apology letter for any inconveniences this has caused with no mention of payback
Product: Credit reporting or other personal consumer reports

This morning, I found an unauthorized inquiry on my credit report, and I have no idea why it's there. I check my report regularly, but this time, unexpected discrepancies appeared. I even refreshed my browser, thinking it might be a glitch, but the unauthorized inquiry remained. This issue is extremely frustrating, and I need it resolved immediately. Please review the documents I've submitted thoroughly so I wont have to deal with this concern again.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I just found out that XXXX had a breach in XX/XX/2022 of all their about and when I went on my credit report it stated I have been breached and in the dark web and I noticed so far one account opened in my name with a balance of XXXX dollars I didnt open also there must be more because in a week my credit score went down XXXX points that is a lot of points for one week
Product: Credit card or prepaid card

I opened my Home Depot CC on XX/XX/XXXX and bought {$2900.00} worth of material for my house on a 0 % for 24 month offer. I made the minimum payment in my statement until I knew I was going to pay it all off in full before the due date XX/XX/XXXX. Because I was naive to the fact it was mandatory to pay the minimum I was late paying in XXXX, XXXX and XXXX. I paid the card off In full in XXXX. It was an honest mistake and my first 60 and 90 day late payments on my credit report. I 'm asking to get those removed so my score goes back to normal so I can renew my business with Home Depot. Thanks!
Product: Checking or savings account

I did a third party deposit of a check to my fiance, I did not know this was not allowed and even learned how to complete it from the Sofi website. Instead of just rejecting the deposit they have frozen all of my funds in checking and savings leaving me with nothing for 3 days now. When I can they tell me nothing that I have to wait for the internal team to complete their review and I can not speak with them nor can they tell me how long this will take. I have repeatedly asked to speak with a supervisor and one is never available and they will have to call me back. I have yet to receive a call back. They are providing me with no information and no access to any of my money. I have not eaten for 3 days and it is now Friday and the weekend about to begin. All of the funds in this account are mine from previous direct deposits they have already rejected the third party deposit which is fine but not telling me anything regarding my funds or timeframe is just not acceptable. Please help!
Product: Mortgage

In early XXXX, I received an advertisement from NEW Day USA to lower my mortgage payments by refinancing my existing VA loan. 
By XXXX XXXX, I had submitted all of my personal information, ( W2 's, Mortgage statement, social security numbers, etc.. ) to NEW DAY representative XXXX XXXX XXXX For the next 10 days I heard nothing from NEW DAY or XXXX. I called him several times, left VM 's and e-mailed him at least 7 times. No response. 
Then on XXXX XXXX, I received a letter from NEW Day stating my application was incomplete and I needed to submit W2 's, Mortgage Statements, social security numbers, etc ) I have since spoken to several people from NEW Day and have requested all of my personal information back from them. My concern is XXXX XXXX and NEW Day will use my information for illegal purposes. I have proof I sent it to him. Now they claim they do not have it.
Product: Debt collection

I had cable with XXXX XXXX XXXX when lived in XXXX. I only lived in XXXX for nine months. I moved to XXXX. I turned in all of my cable equipment. IN XXXX of XXXX. I received a collection notice from XXXX XXXX XXXX stating I owe a balance of {$320.00}. I made a payment arrangement with them. I paid {$110.00} ON XXXX/XXXX/XXXX AND THEN on XXXX/XXXX/XXXX I paid the remaining balance of {$220.00}. The approval code as XXXX. I also have the proof because i paid out of my XXXX checking account. I pulled my credit report and have a collection account from FOCUS RECEIVABLES Management on behalf of XXXX XXXX stating I owe {$420.00}. This account states it is opened XXXX of XXXX. I am so upset because now I have another company stating I owe monies that I have proof is paid. I am currently under investigation to obtain employment with the XXXX. I have paid all my financial obligations. i disputed the item on my credit report and will call credit bureau in the morning. Please assist in this matter. If an account is paid in full. Why would another collection agency be able to try to collect on a debt already paid! This is fraud and very confusing. I will be happy to pull my bank statement and show balance was paid in full! I also have a copy of the original credit collection service whom i paid. Thank you.
Product: Mortgage

Citibank accepted a full mortgage modification package from me XX/XX/XXXX. As I have been dealing with my wife 's serious illness, I had no choice but to submit for a modification. Citibank  has never requested updated financials, and outright denied my application for modification without a written description of any problems. There should be no problem as my income is well within debt to income ratios. Then suddenly, I got served with a foreclosure action that was dated XX/XX/XXXX. This is a true violation of the amended version of the Fair Debt Collection Practices Act of XX/XX/XXXX. I had to file an answer to defend myself against the foreclosure action, and then suddenly Citibank sold the mortgage servicing rights to XXXX XXXX XXXX XXXX XXXX ( XXXX  ) on XX/XX/XXXX. Citibank filed an illegal foreclosure action, as my mortgage is owned in a securitized trust. I have submitted two qualified written requests and to this date Citibank has refused to show the true ownership of my mortgage. Having not listed the true owner of the note VOIDS the foreclosure action. Citibank must show attachment on servicing and the right to foreclose. I will be submitting a request for a full investigation with the Federal Deposit Insurance Corporation, as these types of illegal activities must be stopped by national banks. The CFPB recently fined Citibank and its subsidiaries for this type of illegal foreclosure actions. I demand the foreclosure be ceased immediately by the succeeding mortgage servicer and for my modification package to be transferred and given full consideration. This situation is a mess caused by a horrible banking operation called Citibank. The American banking system is better than this and should show it with the American public.
Product: Credit reporting or other personal consumer reports

I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance XXXX : {$0.00} XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

On Monday, XX/XX/XXXX I was called by Quicken Loans agent XXXX XXXX and offered a refinance of my mortgage to a lower interest rate. I was told that doing so would save me XXXX dollars per month. This was a lie. _______________________Later in the day I spoke with Quicken Loans agent XXXX XXXX , and was told that my current P+I payment was {$670.00}, and that my escrow payments were {$480.00}, and that by taking out a new loan those numbers would change to {$730.00} for P+I and {$340.00} for escrow. What was deliberately kept from me was that the escrow payment that I am currently making is artificially high due to a shortage from the previous year, and that my escrow will return to {$340.00} ( the same as the new loan ) after this shortage is made up. Thus, instead of saving {$80.00} per month I would actually be paying *more* per month over the life of the loan. _______________________Not only would I be paying *more* per month, I would also be paying *more* over the cost of the entire loan, and would have a *higher* buyout number. Not only would I be paying more, but the total payments would be due sooner! 
_______________ Total cost over life of my current loan : P+I of {$670.00} x 339 remaining months = {$220000.00} + {$1300.00} escrow shortage = {$230000.00} + escrow that is the same for both loans____ Total cost over life of loan pitched to me as saving money : P+I {$730.00} x 324 months = {$230000.00} + escrow that is the same for both loans*** ______ ***These numbers actually underestimate how much I would lose over the 28 years of the current loan vs the new 27 year one. The new loan would be paid off in 27 years, meaning property taxes and insurance would have to be added for year 28 in order to come up with a true estimate of what I would be paying under each scenario. __________________ Cost to buy out loan : Current loan roughly $ 134K, Loan pitched to me as saving money roughly $ 140K ________________ There is no point at any of the 27 years of the new loan where I come ahead financially. I would be losing at least {$6000.00} over the entirety of the new loan, and losing nearly {$6000.00} if I buy it out. _______________ Given that this was pitched to me as a way to save money, and that the true cost comparison of my current loan to the new one was deliberately misleading, these agents have engaged in fraud.
Product: Debt collection

Re : Cavalry Portfolio Services, LLC Account # XXXX I sent a register letter to Cavalry Portfolio Services, LLC requesting validation of debt for their account # XXXX on XX/XX/XXXX. 
They failed to provide the information I requested. Instead, sent letter dated XX/XX/XXXX requesting that I provide : " specific information that I was disputing and an explanation of the basis of my dispute ''. They also stated that they would write to me again in XXXX in regards to my dispute. 
After not hearing from them, a second registered letter on XX/XX/XXXX requesting " validation ''. Again they failed to provide the information that I had requested. Instead the sent letter dated XX/XX/XXXX requesting that I provide them with " specific information that you are disputing and an explanation of the basis of your request ''. 
I used a template found on the CFPB site to dispute this collection account and they failed to properly validate the account. I followed all the steps the CFPB told me to take so I feel that this account should be deleted from my credit report since this collection agency failed to properly validate and send me everything that the CFPB says I can request.
Product: Money transfer, virtual currency, or money service

PNC does not link with XXXX
Product: Checking or savings account

I have a bank account with fifth third. I have overdraft protection. I don't make a lot of money and there have been times when things were charged and I went into the negative for insufficient funds. I am being charged multiple fees of {$37.00} then lately an extra {$110.00} has been charged on two separate occasions. I reached out to them and was told to look at a document that was sent and it didn't explain why I was charged the extra {$110.00}. They just keep giving me generic answers and I still haven't figured out why I'm being charged two overdrafts of {$37.00} and the additional {$110.00}.
Product: Checking or savings account

My mother was taking care of this issue. She passed last year. We have been in contact with BANK OF THE WEST several occasions concerning my childrens. COOGAN ACCOUNTS. WHILE. they worked, their portion of checks was placed into a coogan blocked trust account under my name as well. They are well over 18 now. Our local bank in XXXX did not know how to handle this type of account. One account balance is at {$0.00} while the other is significantly lower than what was put into the bank account. They applied service fees on these accounts until one was at XXXX and other was very short of what initially was deposited from working as a minor. XXXX XXXX, the banks manager knew nothing on these accounts. He was given a copy of the results of a lawsuit against XXXX XXXX XXXX. Where the second appellate district determined that withdrawals of service fees from a child actors trust account violates California Coogan Law. Since then XXXX XXXX, the bank manager stated he could not help us but directed us to his boss, XXXX XXXX work was working in XXXX, Ca. She as well, did not know about these accounts but would look into it. After my mother XXXX XXXX, had a second conversation with her, she stated she could not help. XXXX suggested that perhaps she could check with their legal department. This has been an ongoing issue. We would like help to resolve this and hope that this bank be trained on how to deal with Coogan accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

My car was totaled out in XXXX I had gap insurance and full cover insurance! I kept in contact with CREDIT ACCETANCE after my insurance company paid most of the car off and they told me that they will do the gap insurance claim! which they did and i ask them was it anything i needed to do to or pay and they said gap insurance will pay the vehicle off! -I contacted them again about XXXXwo months later and the insured me that i didnt have anythign to worry about! Well last year i got my credit report and found out they was reporting late payments on my sccount they said thwy would fix it never did and then all of a sudden i owe them XXXX dollars and i ask them where did it come from and they said they would have to transfer me to another department well they did and they said gap doesnt pay all of the car off! I went to explain to them that i was told not to worry about it ausw they will file the claim and gap would take care kf the rest and I never knew i had to pay anything else untill almost a year later! They offer me a settlement and I paid it .It is still showing negative information on my credit report serious negative! This isnt prefessional that they didnt comminicate to me exactly what was going on after each called i made to them! I need this deleted or either the negative information reporting XXXX XXXX deleted! THIS IS A MISTAKE ON THEIR END AND THEIR IS HENDERING ME. Please help me!
Product: Mortgage

My mortgage was held by Wells Fargo XXXX XXXX from XXXX through XXXX. I tried t refinance the mortgage because we could not afford it, and the interest rates had fallen. Every conversation with Wells Fargo was unsuccessful. We ended up selling our home and moving to a small condo. If we hadnt sold we would have had the house foreclosed on over time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX, Ohio XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX
Product: Credit reporting

The identity questions caused me to be unable to access my credit report online. 
1. They asked for a previous phone number. I have had the current number for well over 10 years, so I could not remember a previous number I did or did not have. 
2. They asked for what year my XXXX was. They had XXXX and XXXX listed, so I picked the most recent since I had both years at XXXX time. 
3. They asked for business/employers I was associated with, I was unfamiliar with any of them, so possibly the company had a name I was unfamiliar with. 
Because they could not " verify '' my identity I was shut out of their system. To order by phone will take weeks to receive and I know their are some items that are duplicates and incorrect which I need to fix because it is impacting my credit score. 
Every year I have problems with Trans Union, either with getting my report, correcting it or disputing an item. They deliberately make these processes difficult and ask questions nearly impossible to know answers to.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under XXXX XXXX. XXXX when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX / XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i XXXX request an extension of the block. During the block, you XXXX not report no longer contains any fraudulent information. Several times I have called the bureau reporting this fraudulent account in my report and Transunion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, this account was eliminated and not verified by others bureaus I don't understand how they usually say that this account is mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete this account. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

My information has been impacted by the XXXX data breach and may have gotten into the hands of the wrong person. I am also a prior victim of identity theft/fraud. 

The following Inquires are fraudulent XXXX XXXX XXXX XXXX XXXX