23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I had been having issues with Bank of America in making my payments online. My original payment on 1 of my cards ( ending XXXX ) did not go through with my checking account on file. I immediately made a payment the next day, that was processed. A few days later Bank of America processed the original payment AGAIN which caused fees on my checking because the funds were not in there. Subsequently, Bank of America put a freeze on me being able to make payments online. This caused me to sit on hold for about an hour on or about XX/XX/XXXX to finally get someone to make ANOTHER payment to unfreeze the payment block. As this is happening, my other card ( ending in XXXX ) which is paid on time, every time with no issues is ALSO blocked and autopay is suspended by Bank of America. Causing this card, I was keeping in good standing, to go late. I again called, made the payment with the intention that this block for me to pay online would be solved in approximately 5 days. Next billing cycle comes, and the block is STILL not removed. Causing me to call AGAIN on XX/XX/XXXX and sit on hold for an hour, after a representative hung up on me. Finally, a kind gentleman put in to remove the freeze and took payments from me. The card that has been paid on time, every time went through with no issues ( XXXX ). My other card ( XXXX ) again had an issue with my checking account on file and was returned. On XX/XX/XXXX as I intended to call Bank of America to resolve this issue, I was informed that BOTH of my accounts were closed. Having two accounts with Bank of America, never late on payments in 3 years, I was shocked that this was happening! I asked for the reason and two separate people told me they can not see the reason and I can expect a letter. I asked to escalate this to a retention team or a higher level to see what can be done to keep the accounts open. I was told nothing can be done once they are closed. How are they allowed to close BOTH accounts when one has NEVER had payment issues ( XXXX ) - expect for the ones Bank of America caused themselves by turning off my auto pay without my knowledge! The other I was trying to resolve between issues with my checking account and was prepared to make up the returned payment. And prepared to possibly pay off the balance on one of the cards with my bonus next month. I expressed that I would be happy to make an arrangement to prevent the cards from closing and hurting my credit overall. I was told there was no one else I could speak to on this. I did advise that I would be putting this complaint in, since part of my payment issues came from Bank of America 's own processes and lack of follow up and since no one agreed to provide me with a contact for someone to re-evaluate my case and consider re-opening my card. Therefore, I am submitting this complaint on Bank of America for their horrible customer service and their unfair standards when they consider closing an account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Starting on XX/XX/XXXX my personal information started to be used fraudulently. Someone stole my personal information to open accounts with many credit grantors. The following accounts are a result of my identity being stolen and used without my knowledge and consent. 
XXXX Opened XX/XX/XXXX Bal {$1800.00} XXXX Opened XX/XX/XXXX Bal {$12000.00} XXXX Opened XX/XX/XXXX Bal {$6600.00} XXXX Opened XX/XX/XXXX Bal {$0.00} XXXX XXXX XXXX Opened XX/XX/XXXX Bal {$0.00} XXXX XXXX  XXXX XXXX XXXX Opened XX/XX/XXXX Bal {$0.00} XXXX XXXX XXXXXXXX Opened XX/XX/XXXX Bal {$0.00} XXXX XXXX  Opened XX/XX/XXXX Bal {$320.00} XXXX XXXX  Opened XX/XX/XXXX Bal {$1000.00}. 
I have tried to resolve this problem multiple times using the Fair Credit Reporting Act but I am neglected and unable to fight this identity theft.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I tried to file a dispute with XXXX for a collection on my credit report of {$610.00}. The dispute was closed within a week. I then contacted the company, Affirm, who reported it and requested a 1099c from them and they refused to give me one even though they wrote it off.
Product: Mortgage

Greetings, we purchased our home they Guaranteed Rate and closed this past XXXX XXXX 2022. The process was fantastic and the team we worked with was phenomenal! 

Now we are being told that our loan servicing is being transferred to a company called XXXX XXXX. As an engaged consumer I looked this company up on the XXXX website and discovered that they are a terrible company with a disastrous track record! I have called Guaranteed Rate multiple times requesting that my loan servicing not be transferred to this company. I have a list of names of many that I spoke with but they just kept transferring me to different people until I demanded to speak with their highest level supervisor. Her name was XXXX and she stated that there was nothing that could be done. She also stated that she could not tell me the name of the person or persons responsible for making this decision. 

I am a service XXXX retired XXXX XXXX and I believe that this new loan servicing company does not value any of its customers, especially XXXX  based upon their reviews. I need to know why my loan and others are being transferred to such a substandard loan servicer and why are companies allowed to transfer our loans without ensuring that the servicer is reputable? I will also be contacting the XXXX XXXX XXXX XXXX, both my congressman and US Senators, The XXXX XXXX. and the media if necessary. 

I did not serve for most of my life just to have a company that makes millions from XXXX  loans to have my loan sold off to a company that appears to make its money charging excessive fees, provide poor customer service and appears unresponsive to its customers. 

I look forward to your assistance concerning this most urgent matter.
Product: Credit reporting or other personal consumer reports

I repeated requested deletion of an account due to inaccuracies being reported on account. 

I filed multiple disputes and had no luck. Please refer to CONSUMER COMPLAINT NUMBER XXXX IN REGARDS TO sensible auto lending and all three credit reporting bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the XXXX XXXX act Convergent, Accounts Assoiated with XXXX, Experian, XXXX # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A. Section XXXX Its also a consumer reporting agency can not furnish a account with out my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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: Checking or savings account

My husband and I ( XXXX and XXXX XXXX ) have a joint account at Bank of America. The recent balance in the account was approx {$24000.00}. On X/XX/2017 we were contacted by Bank of America to inform us that earlier that morning someone was able to represent himself as XXXX XXXX, successfully opened an additional joint checking account with Bank of America in XXXX XXXX 's name with a joint account holder. Neither my husband nor I know who the joint account holder is. {$140000.00} was successfully transferred to the fraudulent account. Essentially it was explained to us that my husband was a victim of identity theft. On XX/XX/XXXX I was initially assured that the money would be restored to our account and once restored I could go to the branch and close out my account that had been breached and created a new account to transfer the funds in to. Unfortunetly the funds we never transferred back to my account. I am now told that this will not happen until the fraud investigation is complete and that this could take up to 30 days! I find this unacceptable. I do n't understand why my funds have to be tied up for 30 days. We have presented proper ID at the bank and still we are told 30 days. I have been a customer of Bank of America for at least 15 years. This is not a small amount of money and I find this to be inappropriate and unethical. An investigation can continue without them holding my funds. I want my money transferred back to my account ASAP.
Product: Debt collection

I dont know what happen and what this is but forsure this is not something i did at all
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint last XX/XX/XXXX. Companies involved responded and deleted some fraudulent items but there are still fraudulent items remaining. I submitted a complaint dated XX/XX/XXXX and XXXX, XXXX and it was closed immediately. I am submitting a new complaint hoping that you will still assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.
Product: Credit reporting or other personal consumer reports

Exeter Finance is in violation of 15 USC 6802- I have asked the creditor in a letter to Opt-Out of this information that is on my credit report and that it be removed from my credit file immediately. If this was not done, I will file a small claims legal action against this creditor, should this matter not be resolved by XX/XX/XXXX. 

They are in further violation of 15 USC 1681 & 15 USC 6802-6805.

I am exercising my right to opt OPT-OUT having this reported on my credit file and also dispute that it even exists, as the amount was charged off.

This creditor is now in violation of my consumer rights according to 15USC 6802 and is also in violation of the Privacy act of 1974. 

I was affected by XXXX XXXX and creditor would not assist in my distress. The vehicle was repossessed and auctioned off and balance was sold to XXXX XXXX, both have on my credit report and the amounts that are being reported are inaccurate.
Product: Checking or savings account

XX/XX/XXXX I called capital one bank because my account was on hold and Co said I was under investigation to prove the existence of my business. CO provided me with the worngful email to submit the documents. XX/XX/XXXX I called Co and a CSR made me aware of the wrong information they gave me. I submitted 22 times the documents via email as well as I went twice to a branch to bring the original documents. On XX/XX/XXXX at XXXX capital one released my funds. On XX/XX/XXXX I received a phone call from an investigator stating that my funds were witheld again because SBA issued them a directive..I called SBA and my account is current and SBA never requested to keep my funds. CO is refusing to give me my money back. I have a time line with events, I'd number for the employees and investigators
Product: Mortgage

Ocwen mortgage service is a dishonest business. On there website they have an area where you put you account number and routing number in to make your payment there was n't a save information area to store you account number. So on three different occasions they said I did n't type my account number in right. I took a picture of the account number on the last two times I typed my account number and sent them the picture that it was typed in right. They refused to admit they did something shady on there end to change the number. Each time my payment was n't submitted they charge me a total of {$75.00} in late fees and now I can no longer use there service. I was told i have to use XXXX XXXX to pay them. My loan was assumed by them when XXXX XXXX sold my loan to them. I 've had my loan for 11 years and I do n't owe that much more on the loan. Each time my payment was rejected I was sent an email saying I qualify for a harp refinance loan. There company is completely unethical and I want to tell everybody I know and every realtor my husband works for, to not use there business. Please investigate and shut these corrupt people down.
Product: Debt collection

My late husband totalled our car at the end of XXXX, and passed in the first week of XXXX. XXXX  took quite a while to settle the claim, but I sent back their Snapshot device with their prepaid mailing envelope. XXXX  claims to have not received this item but I sent it to them, and they are trying to send this to collections. 

I had to harass XXXX  for three months, including the day of my husbands funeral, to pay out the car. What gives them the right to try to collect this?
Product: Checking or savings account

XX/XX/XXXX There is a long history of problems with TD Bank and it 's branch managers here on XXXX XXXX. XX/XX/XXXX do nothing to redress complaints and our experience with the executive branch is that they ignore written complaints, despite any evidence that they have done wrong. We 've had trouble with previous " Retail Managers '' ( TD considers their banks to be just stores, like XXXX. But our experience is that XXXX is more responsive to consumers and attempts to rectify problems, not inflame them. Unlike TD Bank. ) Most recently, XXXX XXXX, Retail Manager of TD Bank on XXXX XXXX, denied culpability for wrongful and excessive overdraft fees, stemming from events on or about XX/XX/XXXX, which of course then created a cascade of shortfalls which accrued to the wrongful benefit of TD in permitting them to collect more fees than they were entitled to. Despite conflicting information from the branch employees, and the back office " in New Jersey '' about why the fees were charged, then changed, apparently both in violation of bank practices and policies, TD also does not provide transparency about account charges regarding overdraft fees and there was no way anyone checking the online banking version of our account could see the same information that the TD back office and branch employees saw, thereby deliberately preventing account holders from seeing the service charges and activity that TD saw. <P/>Further, TD violated their agreement with account holders to provide fee free checking by imposing a {$2.00} paper statement fee, which XXXX denied was a service account fee in violation of the contract with account holders, but which is exactly that under the cheap masquerade of a different fee label.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXXXXXX Balance : {$830.00} XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX Balance : {$49.00} XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and am also included in a Equifax Data Breach Settlement. My name is included in the data breach for settlement. 

I have sent certified documentation into each bureau. The documentation that I mail in by way of certified mail included a copy of my notarized identity theft report statement, copy of my drivers license and social. I also provided my current address, phone number and email address. I will attach documents once again. XXXX  has already removed the negative items I am waiting for your company to do the same. 

Spoke with a supervisor at XXXX  over two weeks ago and was told that the negative accounts would be removed and that they work with the other bureaus. Still nothing has been done.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have several collections for services i never received or authorized. from the southern credit recovery for {$830.00}, XXXX XXXX for {$6600.00}, {$1400.00}. also, XXXX XXXX for {$130.00} and i never signed or authorized any of these charges. Also child support is showing {$8200.00} and i never went to court and proved any paternity or took any blood test to prove myn relations. would you please assist me in removing these unauthorized accounts. thanks
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I submitted a US {$1000.00} transfer from Xoom to my Bank Account in XXXX ( Xoom reference number XXXX ). I had in the past successfully transferred fund using Xoom and other money transfer agencies successfully to same account. 

XX/XX/XXXX Xoom confirmed funds were successfully transferred. However, funds never reached the destination account. I have verified my bank account frequently and statements in the hope it was a delayed delivery case. 

The worst case is I contacted Xoom customer service. First of all it is very difficult to get them on phone - waited too long, but finally emailed with transaction number. To my surprise the response from Xoom support is as given below : " We reviewed your transaction XXXX and can confirm the funds Were paid out to the designated recipient. This closes our investigation, but we will be happy to review your recipients bank statement with you to help locate the deposit if needed. " They unilaterally closed the investigation without addressing my issue. The response is not in line with any US legislation that financial companies are expected to follow. Even though it is not needed, I still shared my personal bank statement at the insistence of the Xoom customer service. I requested escalation of the issue within Xoom support and I was promised on Mon XX/XX/XXXX someone will contact me. I provided my cell phone number which they already have. They did not reach back to me. 

Customer support is provided from XXXX and XXXX. It seems they are trained and/or incentivized to close investigation rather than resolve genuine issues.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Capital One Auto Finance regarding a fraudulent account that was opened in my name as a result of identity theft. Despite my repeated efforts to dispute this account and provide necessary documentation, Capital One Auto Finance has refused to remove the account from my credit report.

I have been dealing with identity theft since 2015 and have filed multiple police reports and FTC reports, which I have provided to Capital One Auto Finance. I discovered that an account had been fraudulently opened in my name with Capital One Auto Finance. I took the following actions : filed a police report with the XXXX XXXX police department, documenting the identity theft ; reported the fraud to Capital One Auto Finance, providing them with copies of the police report, FTC report, and a completed Identity Theft Affidavit ; and disputed the account with the credit bureaus ( XXXX, XXXX, and XXXX ), supplying the same documentation. Despite these actions, Capital One Auto Finance has refused to remove the fraudulent account from my credit report, which has caused me significant hardship.

Capital One Auto Finance 's refusal to remove the fraudulent account violates several consumer protection laws, including the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Under 15 U.S.C. 1681c-2 of the FCRA, victims of identity theft have the right to have fraudulent information resulting from identity theft blocked from their credit reports. Capital One Auto Finance 's refusal to remove the fraudulent account constitutes a violation of this provision. Additionally, if Capital One Auto Finance is acting as a debt collector in this matter, their actions may also violate the FDCPA, which prohibits debt collectors from engaging in unfair, deceptive, or abusive practices, including attempting to collect a debt that is not owed.

I respectfully request the Consumer Financial Protection Bureau to investigate my complaint against Capital One Auto Finance, require Capital One Auto Finance to remove the fraudulent account from my credit report, and ensure that Capital One Auto Finance complies with all relevant consumer protection laws in resolving this matter. Enclosed are copies of the police report, FTC report, Identity Theft Affidavit, and other supporting documentation that I have previously provided to Capital One Auto Finance.

Thank you for your prompt attention to this serious matter. I am hopeful that the CFPB 's intervention will lead to a swift and fair resolution.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

I looked at my Equifax credit report on XXXXXXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 1681 section 602 A. States I have the right to Privacy
Product: Debt collection

There is a XXXX  XXXX account in my name and I have no knowledge of it I never open it and I try to get it taken care of but no results 15 U.S.C. 1692g is a part of the Fair Debt Collection Practices Act ( FDCPA ) that requires debt collectors to follow certain guidelines when validating debts. The law protects consumers from unfair and abusive debt collection practices.