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

Long story short. I had money in the account and i travel often and I like to use my card while in the road and not carry cash. On more than one occasion, I would say at least 5 occasions. I was in XXXX  and when I went to pull out money my account was frozen. I was not score to pay for my hotel. Ended up sleeping in my car. I had no gas and I had no food. Usually this feel at night or in a weekend and I would have to wait until the following Monday or the next day. I then stopped putting money in the account and would just use it to pay my bills. So I had auto deposit which was a mistake. They charged me fees which made my bills bounce and ultimately I lost my vehicle. It was towed in XXXX. Where they froze my account AGAIN! So my car ended up being impounded. I wasnt able to take out my car until I paid it in full, {$6000.00} I DEFINITELY couldnt access even if I had it. They caused me to make late payments, sleep in my car, XXXX XXXX, no gas. Every time was when I was in XXXX. They ultimately closed my account without my knowledge, and the reason? Because I hadnt deposited funds for I think a few months. It was when XXXX first hit and I got and wasnt making any money. I complained, I filled a complaint and they sent me their policy in an email and that was it. The banker is the one that understood and sent the complaint herself! They cost me ALOT OF anxiety, stress, hunger, loss of vehicle i under up losing my storage and being in everything. They took skit off over draft fees they definitely were to blame for but never ever paid me a XXXX! I was going to sue but I figured Id be wasting my time! XXXX just me and they are a bank you know! So good for you guys for helping! Thank you
Product: Credit card

Complaint to the CFPB : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Complaint Regarding Banks Illegal Freezing of Account and Denial of Access to Funds Dear Consumer Financial Protection Bureau, I am submitting a formal complaint against [ Navy Federal Credit Union ] for unlawfully blocking my access to {$6000.00} in funds that were credited to my account after the bank processed my promissory note through its clearinghouse system. The promissory note, originally for {$6000.00}, was purchased by the bank, and I became the holder in due course of the account. 
However, despite my ownership of the account, the bank has frozen my funds without providing any legal justification or due process, in violation of consumer financial protection laws and my constitutional rights to property. 
Relevant Laws and Case Law : Unfair, Deceptive, or Abusive Acts and Practices ( UDAAP ) : The banks conduct qualifies as an unfair and deceptive practice under the XXXX XXXX XXXX Reform and Consumer Protection Act, specifically under 12 U.S.C. 5531, which prohibits banks from engaging in unfair or deceptive practices that harm consumers. Denying me access to my own funds without explanation constitutes such a violation.

Electronic Funds Transfer Act ( EFTA ) : The denial of access to my account also violates the Electronic Funds Transfer Act ( 15 U.S.C. 1693f ), which ensures consumer protection when accessing their funds electronically. Blocking my access to funds in this manner is a violation of my rights under this law.

Truth in Savings Act ( TISA ) : The bank has further violated the Truth in Savings Act ( 12 U.S.C. 4301 ) by not adhering to its terms regarding access to funds. TISA mandates that depositors be provided clear terms for access to their accounts, which the bank has failed to honor. 
Requested Relief : I request immediate access to my funds. 
I seek a 15 % fine on the {$6000.00}, plus the interest the bank has accrued by withholding my funds. 
I demand that the banks actions be escalated to the Department of Justice and OIG for investigation, as this case constitutes fraud and a violation of fiduciary duties.

I expect the CFPB to take immediate action to restore my access and hold the bank accountable for these violations. 
Sincerely, [ XXXX XXXX : XXXX XXXX XXXX XXXX ]
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loans have been in deferment due to an Income-Driven Repayment plan I am enrolled in. A new application has to be submitted annually in order to have your circumstances reviewed for any changes, and then a decision is made as to whether a person can continue in the plan. I originally submitted my re-certification for Income-Driven Repayment ( IDR ) play on XX/XX/2019 at which time I was unable to upload my filed tax documents via the IRS website ( when filling out the application you are routed to the IRS website in order to retrieve your filed income tax documents to prove your income for the previous year ). I tried several times but continued to have no success ; therefore, I opted to submit my application and tax documents via U.S. mail. I did so the following day, and assumed all was well. Fast-forward to mid-XX/XX/2019 and I received a notification regarding my credit report. At that time I realized my credit score had dropped well over 100 points due to my federal loans being reported as delinquent. My report shows I missed 2 payments, XXXX and XXXX, but that is not accurate as I was supposed to be enrolled in the IDR plan. Additionally, it says I am 120-149 days past due, which is again wrong because 1. I am enrolled in the IDR plan and 2. They are only reporting 2 missed payments, which is 60 days not 120-149. I resubmitted my IDR application on XX/XX/2019, and this time I was able to transfer my tax documents directly from the IRS. I received the approval for my application on XX/XX/2019, and was advised my monthly payments would be {$0.00}. I have submitted a letter to the XXXX XXXX XXXX to ask for the delinquent items to be removed from my credit report as I should have been enrolled in the IDR plan all along. I have not received anything back to date. I am now receiving letters from credit card companies saying my available credit limits are being decreased as a result of these delinquent items. I desperately need these items removed. I have recently updated my contact information with the XXXX XXXX XXXX because I realized they had outdated information. Per my specific IDR plan I do not have a monthly payment as my income is not enough to permit a payment ; therefore, my credit report should not reflect late payments as I do not have monthly payments to even be late on. I would greatly appreciate any assistance in regards to this matter, and hopefully can get the situation resolved before any further irreversible damage is done to my credit. Thank you for your time and consideration.
Product: Credit reporting or other personal consumer reports

Complaint Regarding Violation of FCRA Rights by XXXX and National Credit Adjusters LLC Dear CFPB : I am writing to formally file a complaint against XXXX and National Credit Adjusters LLC for their violation of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). The specifics of this complaint are detailed below. On XX/XX/XXXX I disputed an account reported by National Credit Adjusters LLC, with the original creditor being XXXX XXXX, on my XXXX credit report. The dispute in question was investigated and closed in under 24 hours, which strongly suggests that a proper and thorough investigation was not conducted by XXXX, in direct violation of FCRA laws. 
The fact that XXXX closed my dispute within 24 hours shows a lack of diligence in their investigation process, as they are required by law to conduct a reasonable investigation under the FCRA. This cursory action disregards my rights as a consumer and violates the obligation of credit reporting agencies to fully investigate disputes. in accordance with 15 U.S.C. 1681i.And a Violation of FCRA ( 15 U.S.C. 1681c ) Re-Aging of Debt : Upon reviewing my credit report obtained from XXXX, I found that National Credit Adjusters LLC failed to report the date of first delinquency as required by law. The first date of delinquency, which should be XX/XX/XXXX, has not been reported. Instead, they listed the account as being opened on XX/XX/XXXX, which constitutes a clear case of re-aging, an illegal practice under the FCRA. This misrepresentation extends the time that the debt remains on my credit report and causes undue harm to my credit score and financial reputation. Due to these violations of my rights as a consumer, I respectfully request the following actions be taken : Immediate deletion of the account reported by National Credit Adjusters LLC from all 3 of my credit reports. Compensation from both XXXX and National Credit Adjusters LLC for their negligence and violations of federal law, specifically related to my rights under the FCRA. A full investigation into the actions of both parties, including whether XXXX has violated its duty to properly investigate disputes and whether National Credit Adjusters LLC has intentionally engaged in the illegal re-aging of debt. If this matter is not resolved to my satisfaction within a timely manner, I will not hesitate to retain legal counsel to pursue further actions for the willful violations of my rights under the FCRA.Thank you for your time and attention to this serious matter. I look forward to your prompt response and resolution.
Product: Student loan

The following remains an issue which I have asked Mohela to assist with and they just send me around inc ricles - sending me to StudentAid saying to ask them for a Public Service Loan Forgiveness Reconsideration ( but StudentAid says the Public Service Loan Forgiveness Reconsideration is NOT for situations such as these. In addition, if I message Mohela, but then call since hearing back from them takes so long, they close out my written message and sent me a notification indicating that I have their records show that I have called and say they " assume it is resolved, '' but it is not resolved. 

Issue at Hand : The Public Service Loan Forgiveness ( PSLF ) program allows eligible borrowers to have the remainder of their federal student loan balance forgiven after making 120 qualifying monthly payments while working full-time for a qualifying employer. 
If a borrower has already made qualifying payments on a Direct Loan and then consolidates that loan with other federal loans, the payments made prior to consolidation still count toward the 120-payment requirement ( i.e., the " higher count '' rule ). 
However, I did not have the chance to consolidate my new loans ( from XXXX ) with my old loans before my older loans were forgiven ( XX/XX/XXXX ). 
I was very cautious and waiting for clear guidance ( something in writing on the StudentAid.gov site prior to consolidating ) because like many, I've been misled and lied to before. 
In fact, when the information surrounding the Limited PSLF Waiver Period came out, I did call FedLoan/MOHELA and was instead discouraged from consolidating during the Limited PSLF Waiver Period. They told me that if I consolidated, my payment counts would go back to XXXX  and that I'd be starting my 120 payment counts from then forward. 
Ive been told, by MOHELA representatives that shortly after my XXXX, XXXX, and XXXX loans were discharged, a one-time account adjustment and consolidating started in XXXX of XXXX. However, FedLoan/MOHELA representatives themselves had previously indicated that I should NOT consolidate this is terrible misinformation, lack of clear guidance, an overall, a failure to those of us who were relying on FedLoan and MOHELA to provide us with the information and guidance needed. 

As I had loans forgiven under the Limited PSLF waiver in XX/XX/XXXX, the payment counts from the loans disbursed in XXXX, XXXX, and XXXX should have counted towards the payments counts of the loan disbursed in XXXX. Nevertheless, I have now complied and submitted an application to consolidate my XXXX loans ( XXXX subsidized, XXXX unsubsidized ). Earlier this month, speaking to a Mohela representative, I was told that this WAS in fact what I needed to do, in order to get that " higher count '' rule applied to my XXXX loan. However, upon calling a different time, I was told that consolidating my XXXX subsidized and unsubsidized loan could not happen because they can't be consolidated? She said " There is nothing to consolidate. '' Please help. 

Also - I have worked for the same non-profit since XXXX - present. ALL my payment counts ARE eligible
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit reports and all three have multiple inaccuracies, they are reported that my Fed loans are XXXX and 160 days late but there are no 30 or 60 days payments reported. I believe these are violations of the FCRA. and have requested in writing multiple times that there inaccuracies be corrected or removed with no action being taken. I am requesting these late payments be removed from all three of my credit reports and new reports with undated information be sent to me.
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. 

XXXX : XXXX xxxxxxxxxxxx XXXX XXXX XXXXXXXX XXXX XXXX  : # xxxxxxxxxxxx XXXX XXXX : # xxxxxxxxxxxx XXXX XXXX XXXX XXXX : # xxxxxxxxxxxxxxxx XXXX XXXX XXXX XXXX XXXX : # XXXX 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 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 XXXX years. 

15 S.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating XXXX a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information in inaccurate.
Product: Credit reporting or other personal consumer reports

I recently reviewed my XXXX, XXXX XXXX, AND EQUIFAX consumer report and see there are unauthorized inquiries and accounts reporting that i did not initiate nor did i benefit from any of them. The accounts listed on XXXX XXXX, XXXX, AND EQUIFAX are fraudulent reporting from creditors XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Two months ago, Flagstar ( dba XXXX ) sent me a letter telling me that my second mortgage was due and payable, that it was a balloon payment, ( I was not aware that there was a balloon payment due ) when I got this loan they told me that it was interest only, but that I would be paying down the principal. In ten years I have paid the principal down XXXX, they are now telling me that the loan balance is XXXX, the original was XXXX. I have talked to them countless times, they now tell me that I have until XXXX XXXX, 2015 to pay the balance or they will foreclose on my property. I am XXXX years of age and do not have XXXX to pay them, when I asked about the hamp program they said they would send me the papers for it, ( I talked to XXXX people who said they would send them, they did not. ) Last week I spoke with another lady who did send the papers, but told me that the loan would be going back to Flagstar on XXXX XXXX, 2015. After paying over XXXX on this loan they should be willing to negotiate a settlement, but I can not speak to a person who handles this. I do need some help here. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Day, My name is XXXX XXXX XXXX and I am writing to complain on XXXX  for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP OF WHEN XXXX  RECEIVED THE LETTER.
Product: Mortgage

I was to close on my Mortgage w Citibank on XX/XX/XXXX but Citi was unable to get my XXXX Tax Return from the IRS and so Closing continued to be delayed. I continued to send additional funds to the attorney for the seller to not lose the sale. I had to close on XX/XX/XXXX with an all cash sale using funds borrowed from my Margin Account., I was advised that I could refinance and began the process. I was asked to resubmit documents many times. I did so within hours of each request not hearing back and then a few weeks later another request was made. This went on from early May through the summer. By then, the appraisal expired and had to be repeated. I was assured that the refinance closing would take place on XX/XX/XXXX. Meanwhile the interest on my XXXX XXXX increased each month as the Federal Reserve raised rates. 
The day before the closing I was informed that an approval from the condominium board expired and closing could not occur. I had to repay for this approval application waiting 20 days for the mortgage processor to receive it. Why did the Bank not review the expiration date which occurred well before XX/XX/XXXX? 
It took another two months again w requests for same or updated documents.I was told in XXXX that I needed XXXX in my checking/savings acct for the loan to process at the agreed upon rate. I had to withdraw my XXXX savings account and place in my Citi savings account to make this happen. 
The constant delay, re-submissions, expired documents announced at the last minute, change of balance amt in my accounts cause not only a XX/XX/XXXX closing but a severe financial margin interest cost and additional fees.
Product: Checking or savings account

I bought a desk for my mom on XXXX XX/XX/XXXX for XXXX, then she said that it still had not shipped she called them, the desk was not available, so I then ordered another desk for XXXX, the next day we found out that next was not available either .XXXX  refused to cancel both orders they said that they didn't have the desk, they don't know when they would get them in and since their system will not allow them to cancel the order I will have to wait until the desk arrive then refuse the order wait until they get it back and then up to 3 weeks after that .So I told them no i was not going to wait all that time for my money. I file a dispute, I also sent the bank the letter from XXXX stating they did not have the desks available. XXXX ended up sending the desk out I refused the first one and decide to keep the second one. Well the one for XXXX.So I canceled the dispute for that desk. XXXX sent me a refund XXXX on XX/XX/XXXX and XXXX XX/XX/XXXX and sent XXXX on XX/XX/XXXX to a different checking account. those funds made it there but the funds to bank mobile say that they have not gotten the funds. When I called they said that they would expedite my case, then I got an email and they said that they would not. They are keeping my funds. XXXX is also going to refund me the XXXX, because one of the pieces to the desk that I wanted to keep was missing and they said they don't have the piece or another one to send me. I just want my money and then I want to close my account.
Product: Debt collection

Despite submitting my request on XX/XX/XXXX and XXXX XXXX  acknowledging receipt on XX/XX/XXXX, I have yet to receive any form of correspondence or information as of today, XX/XX/XXXX. 
The specific account details associated with this dispute are as follows : XXXX - XXXX XXXX XXXX Opened XXXX XXXX, XXXX I demand an immediate and aggressive investigation into XXXX XXXX XXXX blatant refusal to provide the requested information. This failure to comply with my rights demands swift and decisive action on your part. I expect you to exert your authority and forceful measures to rectify this situation immediately.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX, 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: Credit reporting

I previously disputed the status of a credit card XXXX that i had in XXXX that was included in my CHXXXXBK and discharged on XXXX/XXXX/XXXX. I disputed this 2X 's with Equifax and then again with CFPB. I was advised in my CFPB Complaint that this account is showing included in CHXXXXdischarge and the information provided to me was incorrect. 

This account is still showing in the revolving status, please see attachment stating Equifax Credit Report XXXX. Equifax also provided false information to not only me but also to CFPB please see attachment stating '' XXXX Credit Card CFPB Complaint '' stating that they closed this account and they did not. 

I 've disputed this matter countless times, this is affecting my credit which is directly affecting my life. These are not the only inaccuracies i continue to face with this reporting company, this matter needs to be dealt with the up-most priority as this is a constant agitation to me as well as to my family.
Product: Credit reporting or other personal consumer reports

I am requesting help to address the issue of an incorrect account on my credit report. This situation has damaged my reputation as a customer, and I need your intervention. These accounts must be deleted because they are being reported inaccurately and unfairly.
Product: Credit reporting or other personal consumer reports

I am the victim of identity theft, wherein my personal identifying information was used fraudulently without my authorization or consent. This incident occurred on or around and was discovered by me on XXXX of XXXX. I recently learned that my personal information was used to open an account at your company. I did not open or authorize these accounts, and I therefore request that it be deleted from my credit file immediately. Company or Organization : XXXX XXXX XXXX XXXX Account Number : XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$15000.00} Company or Organization : XXXX  Account Number : XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$730.00} Company or Organization : XXXX XXXX Account Number : XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$230.00} Company or Organization : XXXX XXXX XXXX  Account Number : XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$1200.00} Company or Organization : XXXX XXXX XXXX Account Number : XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$230.00} Credit Inquiries : XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX