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

In XXXX, my previous banking, XXXX XXXX XXXX Bank ( in the northeast ) was acquired by XXXX XXXX XXXX Bank. Due to certain fees and other rules that came with my funds staying in XXXX & XXXX accounts, I had decided to take my funds out of the account and move them to a HYSA ( High Yield Savings Account ) and split the other into a checking account through XXXX XXXX. I chose Discover for my HYSA, and moved around half of my funds ( XXXX ) into this account from my XXXX XXXX XXXX Account with no issues. I then worked to close my XXXX XXXX XXXX Bank account and transfer the money over. I had some issues transferring the funds, as I attempted to transfer the rest of my money in the XXXX & XXXX account over ( {$4600.00} ). However, due to some unrelated issues regarding me accidentally transferring more than I had in the XXXX & XXXX account at the time ( due to an automatic bill payment occurring in the process ), there were some issues in transferring. Ultimately, I was able to take my money out of my XXXX XXXX XXXX  account in Branch in order to prevent this from reoccurring and deposit it into the Discover account ( on XX/XX/22 ). However, in this process, Discover removed my access to my account immediately after, and when I called later that week, I was told my account was closed due to a " business decision '' and that I would be sent the money within the account by the end of a 30 day period. This, however, did not occur and I failed to get any help from the organization. On XX/XX/22, I was able to access my account online, but was only able to see that I had money in this Discover account. From this point, I was unable to remove any funds even after Discover had told me they had closed it. It appears this account is in some sort of limbo that was supposedly resolved in XXXX, though I still have No access whatsoever to these funds. I have attached XXXX documents labeled in order from 1-3 : 1 is the original message confirming my deposit on XX/XX/22, XXXX is a message saying the deposit would be delayed due to the amount ( XX/XX/22 ), and the third a message from today showing what occurs when I attempt to withdraw or transfer funds ( an issue that others I know with a Discover HYSA do not have ). Thank you to whoever reads this, I appreciate your time and hope this can help me get all of my savings back.
Product: Vehicle loan or lease

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX  XXXX  Account # XXXX 30 days late on XX/XX/XXXX, and XX/XX/XXXX.
Product: Mortgage

On XX/XX/XXXX, due to the misleading information and terrible service received from Bank of America on multiple occasions, I requested in writing via email that my application for a HELOC be withdrawn/canceled with the bank ( whom my wife & I also have bank accounts and a credit card ). I was emailed back that I would receive a confirmation that I'd withdrawn/canceled my application. While XXXX XXXX- the original rep- did not respond, her supervisor XXXX XXXX confirmed in writing via email that it would be canceled. 

However, Bank of America then continued to process the application, sending documents to let me know they'd done everything from pull up my credit file and stating they'd conducted an ( unapproved, illegal ) appraisal of my home, to contacting my insurance company, XXXX XXXX, on XX/XX/XXXX and XX/XX/XXXX without my knowledge to demand they be added as a lienholder on our homeowner 's insurance ( I know this because my agents at XXXX XXXX emailed me directly to ask if they should comply since I had not authorized this ). In addition, my wife and I continued to receive packages from Bank of America almost daily in the mail, demanding private information including my pay stubs, tax records, and more - even though, as mentioned, our application had been canceled/withdrawn from Bank of America XXXX 

On XX/XX/XXXX, I emailed XXXX XXXX at Bank of America again to stop the barrage of demands they were sending us in the mail for documentation. She responded on XX/XX/XXXX stating " We truly apologize, but you should not have been receiving documentation or demands as both applications were closed in our system. I have attached the letters indicating that we did not proceed with the request of both applications. '' ( She did nothing to investigate/stop the paperwork from continuing to be mailed to our home. ) However, the letter she attached to that email ( which they also mailed to me, received via USPS today XX/XX/XXXX which they had backdated to XX/XX/XXXX ... after our last conversation ) did NOT say our applications were canceled/withdrawn, but rather were Adverse Action Letters that stated the application was DENIED based on my credit file and inability to verify my application information. 

This is patently false, as my credit file never should have been pulled since I'd already canceled my application, and my application was never denied because it was canceled before it was even completed! The letter from them is outright fraudulent, and I contacted them again today XX/XX/XXXX to advise them that they needed to send us a letter stating the application was withdrawn, NOT declined, and to remove the credit inquiry from my credit file since my application was withdrawn before it could be processed. 

I have attached copies of email and written communications related to this.
Product: Checking or savings account

I opened this account to have my unemployment benefits direct deposited into it and at the time the Bank Rep did not fully disclose all the fees I would incur with not maintaining a certain balance or fees for use of my atm card. When I tried to close the account I had many fees pending that I had to resolve before closing the account and it being sent into Collections. The Rep was only interested in keeping her numbers up for account openings.
Product: Money transfer, virtual currency, or money service

VERY BAD PEOPLE 'S PHONE XXXX CALLED XXXX/XXXX/XXXX TOOK {$850.00} FROM STATE FARM CREDIT CARD 1 THEY SAID ( XXXX ) THEY WERE GOING OUT OF BUSINESS WANTED TO REFUND TO ME MY MONEY {$400.00} 2 TOOK OVER MY COMPUTER TO GIVE FINAL CLEANING 3 NEXT WANTED CREDIT CARD INFO TO CREDIT ACCOUNT {$400.00} 4 THEY SAID CARD WOULD NOT TAKE HAD TO GO TO BANK ACCOUNT TO RETURN {$400.00}. 
5 WHILE WE WERE DOING THAT THE TOOK {$850.00} FROM MY STATE FARM ACCOUNT 6 IN THE MEANTIME THE SHOWED ME THAT THEY PUT INTO MY ACCOUNT ( BANK ACCOUNT {$600.00} ) THEN THEY TOLD ME TO GIVE THEM BACK {$500.00} SO THAT I COULD GET BACK MY {$400.00} I SAID NO JUST PUT EVERYTHING BACK AS IT WAS HE THEN TOOK ALL OF MY MONEY FROM ALL OF MY BANK ACCOUNTS AND THAT IF I WANTED IT BACK TO GO TO XXXX XXXX AND BUY {$400.00} WORTH OF GIFT CARDS I SAID NO HE THEN SAID I WAS A MOTHER XXXX AND THAT HE WAS KEEPING MY MONIES AND HE WAS TO FREEZE MY COMPUTER. I SAID DO WHAT YOU HAVE TO DO I HUNG UP AND UNPLUGGED MY COMPUTER. 

8 I CALLED STATE FARM CANCELLED MY CREDIT CARD 9 I FIGURED OUT THAT THE MONIES WENT THROUGH XXXX XXXX I THE CALLED XXXX XXXX THEY COULD NOT STOP THE TRANS ACTION BUT THEY GAVE ME A REFERENCE NUMBER ( CASE NO ) XXXX TO GIVE TO THE STATE POLICE AND STATE FARM. I DID SO. 

10 WHEN THE MONIES POSTED I CALLED STATE FARM TO MAKE A DISPUTE XXXX/XXXX/XXXX XXXX XXXX NUMBER IS XXXX # XXXX THERE TRANS ACTION NUMBER
Product: Student loan

Bill pay from XXXX  XXXX XXXX has been sent to XXXX TN almost 3 months ago. Payment has been Cleared by EdFinancial Services.

Account number was written on the Check. Please apply payment to the correct account ASAP. Why has the Account NOT been Credited? 
As of Today XX/XX/2023 payment has NOT been Posted on the Account Account # XXXX Interest started accumulating. see below payment and check XXXX  Payment of {$130.00} Check XXXX XXXX was issued on XX/XX/XXXX from XXXX  XXXX XXXX and cleared on XX/XX/XXXX XXXX XXXX
Product: Credit card or prepaid card

I wanted to visit XXXX XXXX, Oregon. I called first to the hotel and was assured they were adhering to the mask mandates for COVID. I was assured by the general manager that their policy was " no masks no service '' and they were adhering to rules related to cleanliness. On XX/XX/20 I made a reservation with my credit card. On XX/XX/20 I drove there only to find a small hotel lobby very crowded with almost everyone not wearing masks. The general manager and her employee were not wearing masks and were checking in people, entire families, without masks. In the parking lot were license plates for every state in the western USA. So I waited until it cleared out and went in and nicely asked the manager why she wasn't wearing a mask, and why they were not adhering to the " no masks no service '' rules she promised me. She refused to respond. I nicely asked for my deposit back and I didn't want to stay there, and they said no, that I had to ask for a refund fund more than 24 hours before my reservation date. So I was trapped. I couldn't sleep in my car, I could n't drive home as it was too far, so I stayed the night and left XXXX the next morning. My trip was ruined. I was worried about my exposure. My doctor had me self quarantine for two weeks after the trip. I filed a complaint with OSHA and I was told the hotel got in a lot of trouble. I contested the charge with Bank of America. What a nightmare that was. All attempts to send them copies of the OSHA complaint failed, " we never got it ''. All attempts to talk to them and explain the situation failed. Their policy is irregardless of life threatening situations and things being not as described because I did stay the night my contested charge failed. All attempts to appeal this or talk to BofA have failed. For instance today I called and got two young women who had no idea what I was supposed to do. They were completely unhelpful when all I was asking was what is the procedure to appeal. Under the Fair Credit Billing Act, which BofA is no longer adhering to, I have rights. But in the last few years those rights have gone from BofA helping me, the customer, to now making it difficult to contest a charge and more often than not siding with the merchant. The " not as described '' are now ignored by BofA. The " goods '' in this case where lodging and it was provided " not as agreed ''. But BofA doesn't care about that part of the law anymore and it's almost impossible to even speak to a person in the USA. For two hours this morning I spoke to young women in a foreign location who had little or no training related to disputes.
Product: Credit card

the website and app right now doesn't have any options for making a credit card payment. The app will force you to apply for a teen master card and the website doesn't even have an option. The XXXX phone numbers will force to make a XXXX promps and options w/o communicating with a human being. Your chat doesn't work. I had to call XXXX XXXX  directly to make payment. You guys are a global company with out any customer service what so ever.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account XXXX XXXX XXXX XXXX in accordance with the Fair Credit Reporting act XXXX  Account # 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

My legal name is XXXX XXXX I currently reside at XXXX XXXX XXXX XXXX XXXX, Alabama XXXX. I am demanding that the following account listed below be removed from my credit file as it is fraudulent & inaccurate. The credit reporting agency XXXX  faced a global security breach, resulting in millions of consumers personal information being exposed. As a result of this, I am a victim of identity theft. Under the FAIR DEBT COLLECTION PROTECTION ACT, I have the right to bring this information forth to a judge in my area, to file suit against your company for reporting this fraudulent account to my XXXX, XXXX, and XXXX  XXXX reports. If you do not immediately remove these inaccurate and incomplete accounts in XXXX business day, I will move forward with filing suit against your company and all companies involved, as I have never done business with your organization and should not be responsible for any fraudulent accounts and information placed on my personal credit files as a result of identity theft. Over 60 days ago, I requested full debt validation from your company however I have yet to receive the legal information requested.
Product: Debt collection

NATIONAL CREDIT SYSTEM XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX A VICTIM OF IDENTITY THEFT. THIS IS NOT A DISPUTE! THIS IS MY XXXX ATTEMPT SEE ATTACHMENT.
Product: Payday loan, title loan, or personal loan

I took out a small loan which I thought was a payday type of loan for {$1200.00}. 

I was approved over the phone. 

They credit my bank account on XX/XX/XXXX for {$1200.00}. 

I thought that I would only need to pay 4 payments of {$340.00} to cover the cost of the loan and interest. They were not clear with the loan agreement.

I made 4 payments of {$340.00} on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX This is a total payment of {$1300.00} for a {$1200.00} loan ( XXXX in interest ). 

They attempted a 5th payment of XXXX on XX/XX/XXXX which I do not authorize and was surprised to see hit my account since I thought I had paid off this loan. 

I immediately called them to ask them about this and they told me that per the loan agreement that I owe them 20 payments of {$340.00}. This amount of payments was never disclosed to me over the phone when I was approved for the loan or thereafter. I would never have agreed to 20 payments of {$340.00} with them for a {$1200.00} loan. That is beyond predatory or reasonable. 

After getting on the phone with them I tried to access my account with them on their website and I entered my email address and last four of my social and still could not log in to see any documentation regarding my loan. I have no documentation nor did I ever receive documentation prior to agreeing to this loan. The approval process was done over the phone. 

I am filing this complaint because they are not being upfront with customers about loan terms and agreements and fees and they are being predatory in charging excessive interest rates. Furthermore they are preying upon poor people and exploiting American consumers with these practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Racial Discrimination Complaint : XXXX XXXX XXXX. 

XXXX, Equifax. & XXXX Violation of Sec. 1681n. Civil liability for willful noncompliance : by not providing or listing to me in their numerous responses the name of the third-party that provided the public records on my credit report listed as a bankruptcy in the responses filed by the credit bureaus and the proof of the verified source that has caused me serious financial harm : 1. XXXX XX/XX/2019 2. Equifax XX/XX/2019 3. XXXXXXXX XX/XX/2019 I am outraged these companies continues to maintain a dismissed ( filed ) bankruptcy as confirmed on my credit report. This unconfirmed, unverified, and dismissed ( filed ) bankruptcy has stopped me from obtaining credit. I know for a fact your company receives information on bankruptcy from a third-party system known as a Pacer System. The Pacer System is inaccurate and incomplete since the Pacer System does not provide complete social security numbers as that would be against the Fair Credit Reporting Act and Privacy Laws. Furthermore, I have been in contact with the county courthouse and they also assured me they do not report full social security numbers to thirty parties or make social security numbers public record. Even though it is your company 's policy to keep reporting a bankruptcy that is filed, dismissed, or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681 ( c ) relating to bankruptcy about dismissals or filings. The law is very clear and states from the date of adjudication or date of order of relief. 
Any case, whether it be civil or otherwise, once dismissed it no longer exists in the eyes of the law. This case filed may never have actually been adjudicated. You have no right to maintain information which the government has deemed non-existent. It is only fair that in accordance with section 1618 ( a ) ( 5 ) of the Fair Credit Reporting Act you delete this from my credit report and send me an updated copy. 

Based on the fact that I am an XXXX American, as well as the fact that I have provided these companies, Equifax, XXXX, and XXXX with a copy of my driver 's license which represents my race, I believe these companies have targeted me based upon my race as an XXXX American in the manner in which they have failed to provide evidence of who their " Third Party! '' Where in fact these companies have not verified this case with the actual courts based on using my social security number. 

I have asked for the who the third party source over the past 8 months and each company has violated my rights under the Fair Credit Reporting Act
Product: Money transfer, virtual currency, or money service

Block, Inc. has engaged in inadequate customer service and unfair practices in violation of the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to implement timely and effective measures to prevent and address fraud on its platform, leaving my account vulnerable and unprotected. Additionally, their dispute resolution process was unfair and deceptive, failing to comply with the error resolution requirements set forth by the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These violations have caused significant financial loss and inconvenience, for which I am seeking appropriate redress.
Product: Checking or savings account

Called to have account re-instated from XXXX XXXX. account was set up improperly. XXXX  XXXX used deceptive business practices to get me to join ach auto pay stating if I did a deposit of {$480.00} would not be billed to my account. I called back at a later time and found out the account was set up improperly and that account was supposed to be closed and ACH I was told was removed and another account was set up on the same location and all this was corrected ( as I was told ). Couple weeks later I discovered the money stolen from my account by XXXX XXXX in amount of {$480.00} and there were 2 accounts set up for the same apartment. 2 account numbers : XXXX XXXX I need refund plus I contacted Chase Bank to dispute the charge which was still pending. Chase Bank informed me in order to stop the charge from going through, I would have to pay a fee. Essentially this charge is theft and I should not have to pay a fee to a bank so they can stop a theft!
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts 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 XXXXXXXX
Product: Debt collection

Started receiving emails from a company called Halsted Financial Services on XX/XX/year>. 

It's for a credit card account in the amount of {$750.00} The bottom of the email says because of the age of the debt I can not be sued over it. 

I've ignored it. I try to unsubscribe and when I do it asks for feedback that tried to get someone to admit they owe zombie debt.
Product: Debt collection

I have had this number for almost two years now and have been called by XXXX to XXXX collections agencies to include this Southwest which I called on XXXX XXXX, 2015 to tell them I am not the party they are attempting to collect from and have no idea whom they are. They ask for XXXX or XXXX XXXX each time. I am not sure if I spelled XXXX correctly. I again called this collection company on XXXX XXXX, 2015 for a call I received on Sunday XXXX XXXX, 2015 to let them know I was reporting them and a XXXX claimed I have never been called by them. Seems they all say that, but I maintain a scrap paper note of these calls and Southwest is one that has called with the same telephone number. My home phone is unpublished and unlisted for my privacy. 

Note I have been receiving collection calls for this party from the day I switched from XXXX system to XXXX and one reason I changed was because I received calls on XXXX system for a different party collection. I am filled to my ears with the annoyance as they call from morning to night, seven days a week. I am about ready to shut down my phone service.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit ratings ( FICO Scores ) do NOT allow for those who have paid off mortgages, cars and continue to pay off charge cards monthly. This affects insurance costs daily! Adding additional debt should NOT be the way to get a better score. That's just the wrong answer. 

There should be some compensation in the credit score for those who are prompt with payments and who have had years of prompt paying. Credit for owing {$800000.00} in debt but having paid for it. 

Id like an answer from the Consumers Finance Protection Bureau on how many items connected to one 's FICO score can continue to increase consumer 's costs while their credit remains perfect. The WRONG answer is to ADD more debt. But that is what consumers must do to increase their score!
Product: Checking or savings account

I had some unauthorized transactions on my XXXX XXXX checking account. The bank refunded the fraudulent transactions, but closed my account. I was told I would receive a check for the remaining funds in my account. This was over a month ago. When I called last week I was told that everything was settled and a check would be sent out in a couple days. When I called yesterday to see if it was mailed I was told that it wasnt closed yet so no check had been sent. And I couldnt be given a date when it would and my funds sent to me