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

After over 20 years of having accounts with Bank of America ( BoA ), BoA decided to close all of my and my business accounts with only a 30 day notice. They also cancelled my credit card immediately without notice. I tried to obtain an explanation from BoA, they would not provide one. We opened our business accounts at XXXX XXXX XXXXXXXX XXXX now they have just informed me that they too will close all accounts on XX/XX/23 with explanation. I may have to close my business because of these actions. I need to know what is the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am so perplexed and doubtful about this situation. I have no idea what is going on over there at the CFPB. I have submitted the same complaints three times already, and you claim Im not the one submitting it. This is so absurd! So Im submitting it again and hopefully you are going to take steps this time. Equifax has not been act in accordance with the Fair Credit Reporting Act ( FCRA ). I submitted a complaint/dispute about the information listed below. I was the victim of identity theft & the account listed below was opened fraudulently. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... I'd like the account below deleted from my file XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Venmo froze my account for no reason they claimed that they needed to verify my identity which had already been verified. Five days later I was still dealing with the problem, and then they decided to close my account out of nowhere for no reason. My wife and I are staying in a hotel and lost our place to stay and all of our belongings and are literally on the street. A part of their user agreement is that even when the count is frozen we should be able to transfer our money to a bank account not only did they not allow me to transfer the funds to the bank account that I already had connected they didnt allow me to connect the new one. I called them about 10 different times explaining to them that my ID was already approved and when they finally put me through to a manager, the things that he says leads me to believe that he pushed for my account to be closed it off spitefully. Now that they close my account they are telling me I have to wait 180 days to receive my funds. Im homeless now.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am submitting this complaint in response to the recent investigation. I do not agree with your findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditors/agencies that are reporting this information on my report and because of this I am now asking you for more information regarding these particular accounts in question : XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance $ XXXXLate/Closed Late Dates XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX XXXXXXXX Balance : {$17000.00} XXXX XXXX  XXXX Balance : {$17000.00} XXXX XXXX XXXX Balance : {$190.00} XXXX  XXXX Balance : {$17000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX on behalf of XXXX XXXX - Faith properties obtained a judgment against me that is being reported to the credit bureaus and it should not be. 

As of XX/XX/08 civil judgments are no longer to be reported on credit bureaus. In addition their judgment doesnt identify me with a date of birth, social or address. 

Also, in Ohio per ORC 2329.07 judgments are only valid for 5 years unless revived, which this account was not- its reported as charged off. 

Also, the amount of the judgment is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB I would like to put a complaint on the credit agencies and XXXX XXXX XXXX. I also will put a complaint with the XXXX. I am questioning account number. Due to the fact I have sent several dispute letters to credit reporting agencies since this year XXXX and it comes back verified every single time. They are claiming that I owe { {$470.00} } to XXXX on my credit report. I have contacted first premier to get the method of verification and debt validation on this account and they not provided me the information I have requested per the Fair Credit Reporting Act and the Fair Debt Collections Practices Act. I have even submitted a complaint through CFPB and the company has not replied. I have sent numerous letters to XXXX XXXX regarding an alleged debt that I owe via certified mail. I have requested validation that this is my debt or account and they have failed to provide me with any contract that I signed with them or with any contract with the original creditor bearing my handwritten signature. They are reporting inaccurate information to all 3 credit reporting agencies, therefore damaging my credit beyond repair. I have given them an ample amount of time to validate and correct this matter and I have not gotten any response to my letters. I ask these accounts to be removed from all three credit files.
Product: Checking or savings account

On XX/XX/year>, I went to the ATM to check my balance and my balance was XXXX, so I went into the bank and asked for a printout of my statement for the month of XXXX. Then I noticed that I had XXXX overdraft fees, so I asked the Teller about the fees, and she referred me to make an appointment with the branch Manager. On XX/XX/year>, I met with the branch Manager and talked to her about the overdraft fees and reminded her of the UDAAP ACT and she stated that she would only be able to remove a few of them. I talked one of your lawyers and he referred me to submit a complaint.
Product: Student loan

I n 2010, my federal loans were transferred to FedLoan servicing with the specific purpose of being placed on Public Service Loan Forgiveness. I was placed on the wrong re-payment plan which made my payments toward Public Service loan forgiveness ineligible. At no time was I informed which repayment plan I was enrolled in or told which repayment plan I needed to remain in compliance with as part of the program. By the time the issue was corrected a nd was placed on the correct plan, I lost 3 years of eligible payments, even though I have made every single payment consecutively and on time.
Product: Mortgage

For the last two years I have been in a downward spiral with Loan Care. After I started the loan trial modification process and was at the tail end of it they have refused to send me the proper paperwork to sign for closing. I continue to make the payments that are not being applied to the mortgage but instead to the trial plan. I am in my 4th cycle of misdirection with Loan Care, and each time is the same. 
Trial Modification paperwork is mailed in the proper name so I can open, sign and return. 
I make the 3 trial payments needed to start the closing process. 
Then they mail the final documents in the wrong name so I can not open and sign. 
They put the house back in foreclosure status with a sale date. 
A month later they send me new trial modification documents with the proper name, and the process starts over. 

Each time the payments are made and applied to the trial and not to the mortgage. The last time they put it back in foreclosure it was stated that I had not made a mortgage payment since 2017. This is not true. 

Over the last month I have called 3 times a week, to get the paperwork sent out correctly. Each time they have stated that the paperwork is being processed with the correct name on mailing and I will be receiving it. It has not been re-mailed. 
It is evident that they have the capability to mail items in the correct name every time except when it is the closing documents, keeping me in the cycle of not being able to finalize my loan. 2 years is far to long of a process not to send the appropriate paperwork. 
PLEASE HELP
Product: Mortgage

Our mortgage was serviced by XXXX before being transferred to XXXX XXXX when XXXX was acquired by XXXX XXXX XXXX. We had an escrow analysis done this past month ( after successfully getting our PMI removed after an appraisal ) and instead of our payment going down by the PMI amount, it went up by over {$200.00} a month. The company is claiming our taxes went way up ( they didn't. Our taxes and hazard insurance increased by {$360.00} total for the entire year, but according to the company they were calculating our taxes based off of a tax amount that hasn't been accurate for several years, but county records reflect accurate payments. When I asked for the escrow analyses over the last several years, they claimed they don't have them and that I need to go to XXXX to get them. Obviously that's impossible because XXXX no longer exists. BSI Financial should have all documents from the life of the loan, but they are claiming they do not.
Product: Debt collection

This is a complaint against Paul Michael Associates. I never received a notice regarding a bill from XXXX XXXX XXXX. I saw this on my credit report. I then called the agency regarding this debt and they stated to reach out to the Lab or doctors office. I reached out to the doctors office and they had no knowledge of this bill. The lab was bought by XXXX and they no longer have this information on file. I reached out to my insurance company and they sent me a document stating there was never an invoice claimed by the XXXX XXXX XXXX. They sent me explanation of benefits from that doctors visit stating i had owed nothing. The collection agency refuses to accept this. The claim is from XX/XX/2016, the insurance company also got on a call with the agency asking if the laboratory sent a proof of timely filing and the collection agency stated they did not and refused to reach out to the lab to ask for one. At this point the agency wants me to file the claim with the insurance company for a claim from XX/XX/2016, where the agent already advised it will be denied due to timely filing. The agency is refusing to be cooperative in getting this closed.
Product: Debt collection

I received a notice from Convergent stating that I owe XXXX XXXX of XXXX {$160.00}. I was shocked because I currently am a XXXX customer and my account is current. I have been a XXXX customer since XX/XX/2001 Everytime I moved I just transfered my service. My account is up todate and if it was n't they would not provide me any services. I need their services because I take classes online, and have been doing so for 3 yrs. now. XXXX has confirmed that this is an error because I do n't owe them anything and if I did, they knew where to reach me to bill me. I never received any invoices or bills from XXXX stating I have an outstanding balance. My main concern is that this is in my credit report for even more money than what is shown on this notice. The credit report states I owe {$220.00}. Another concern is that my name is mispelled, which is why I truly believe it is a huge error that someone is trying to make may pay for someone else 's debt. Please advise how I can resolve this issue. 

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

this letters were sent most importantly due to the erroneous reporting to the 3 credits bureaus and put the highly negative impact on my personal credit report. 
1 ) XX/XX/2019 XXXX XXXX XXXX {$720.00} 2 ) XXXX XXXX XXXX {$710.00} 3 ) XXXX XXXX  {$750.00} 4 ) XXXX  XXXX   XXXX {$1600.00}
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXXXXXX  i called Transunion to get all information regarding hard inquiries, so i can match with what i see on a XXXX party app ( XXXX XXXX ), and was told by a supervisor/Representative that i do not have access to any online portals or information over the phone due to multiple social security numbers, names, and addresses tied to my credit file. I have updated this credit bureau numerous times in XXXX, XX/XX/XXXX, and XX/XX/XXXX pf my correct information and still nothing has been removed/changed. I have also sent in proof that is also on a CFPB complaint under my account as well of all correct identity information. Im unable to access online portals directly with transunion due to this matter, and would like this to be resolved immediately within XXXX from todays complaint. 

Also, there are XXXX Hard inquiries attached to my credit report that i can see from XXXX  party site ( XXXX XXXX ) that i want removed immediately as i have not applied for any of the credit listed, and i have not given anyone permission to submit credit checks on my behalf. I would like the hard inquries removed immediately as well within XXXX as per FCRA guidelines for inaccurate information is illegal to be used against me, and to remain on my accounts. Listed below are the hard inquries im requesting removal of as well as correction to my name, address, email address, phone number, date of birth should be updated as well. 

XXXX. XXXX XXXX  XXXX reported on XXXX XXXX XXXX CARD- reported on XXXX, XXXX XXXX For- reported on XXXX XXXX XXXX bank- reported on XXXX XXXX reported on XXXX XXXX. XXXX XXXX reported on XXXX, XXXX XXXX XXXX  XXXX- reported on XXXX XXXX XXXX XXXX- reported on XXXX XXXX XXXX XXXX reported on XXXX XXXX. XXXX XXXX reported on XXXX XXXX XXXX XXXX- reported on XXXX XXXX XXXX XXXX XXXX- reported on XXXX XXXX XXXX XXXX- reported on XXXX XXXX
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions were settled with insufficient balances despite initially having available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage from XXXX XXXX was sold to XXXX XXXX XXXX, XXXX XXXX had erroneously sent negative reports to credit bureaus on many consumer accounts. I spoke with XXXX XXXX several times who only said they were aware and working on it. I also disputed the negative reporting with credit bureaus. XXXX  deleted the entire account so now I show no past positive payment with any real estate and my score decreased dramatically, XXXX   now shows account as closed and no real estate balance. XXXX XXXX has not been reporting my current timely payment either. XXXX XXXX error has decreased my credit score significantly and impacted my reputation, credit worthiness and financial abilities. My reports should reflect my past timely payments ( before XXXX XXXX ) and years as well as my current timely obligations. XXXX XXXX XXXX is in violation of the FCRA by not reporting fair and accurate information for their entire consumer base as well as improper deletion entirely of an account they acquired..
Product: Checking or savings account

I accidentally sent XXXX to the wrong chime account and now chime is claiming that they can't retrieve the money or send it back. I have contacted the person multiple times but haven't complied. Chime want do nothing about it or give me my money back or help reach out to the chime account holder to give it back.
Product: Credit card

On XX/XX/2023 Citi Bank Randomly Lowered my Credit Limit on My credit card with them from {$10000.00} to {$300.00}. I never missed a payment with Citi and I have had the card for years and I have a good credit score. I fear I am being bullied by the Big Bank of Citi and I fear liquidity issues with the bank being the reason for the pro-active lower credit limit. This is an INSANE DECREASE. 

I have multiple credit cards with CITI. My citi credit card ending in XXXX lowered to {$5900.00} from {$9300.00} On XX/XX/2023. I requested in writing to restore my limit and they refused. 

These credit limit decreases has caused me decline transactions, hardship, grief and pain and negatively impacted my credit report. Also the Bank cites them periodically checking my credit report and cites things on my credit report but I never authorized them to randomly pull my credit report and I think they are in violation of law by pulling my credit report without my permission. 

I think this is atrocious what Citi is doing to me and I think they need to be fined and they need to restore my credit limits. I have been a customer of Citi for 9 years and havent missed a payment. I think they are a disgrace for what they have been doing to me. 

Citi reasoning on the letter is " Your credit report shows your balances on your revolving accounts are too high in relation to those credit lines but many of my credit cards with other banks are fully paid off so this is a lie. I think this bank is having liquidity issues or they wouldnt be doing this.
Product: Money transfer, virtual currency, or money service

My issue was with Cashapp and not being able to speak to a live agent when I had an issue with my account
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over XXXX XXXX XXXX, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Product: Mortgage

I received a XXXX XXXX XXXX XXXX which led to XXXX XXXX XXXX after my XXXX XXXX XXXX of almost 2yrs. It was towards the end that my Servicer was told by Bank to recall the note and STOP accepting payments which they did. I have an electronic trail of their rejection and receiving of my continuous months, years, decades prior. 18 years Ultimately, they did Foreclose, ( reason used was I ABANDONED my property while I still lived therebWAS ON IT. XXXX, Not XXXX  XXXX, but my physical body was AND all they took my home. And sold it while I was in it the VERY SAME DAY a Tuesday. 
Sheriff came and New owners KEPT EVERYTHING I OWNED after living there over 18 years, including my pets! Putting me a XXXX  person out on the street to walk away, me not knowing anything. 
As My immediate family had began to pass away a couple years prior to my XXXX  XXXX, the rest of my immediate family at the onset of my XXXX  XXXX, then up thru my first thru 6th quarters of my XXXX, XXXX, Leaving me all alone with no where to turn. It was only the fact I was on auto payments that they did not have a real cause to Foreclose. I had been on auto pay for everything because was most convient. 
I was raised by my grandparents but knew and visited regularly my biological parents as they began to pass first before my Injury. As I couldn't even think to go to my adopted parents funerals. As I was not only in shock but still in shock at this happening now almost two years ago. But now I am able to think and realize this has got to be wrong. They took my home and EVERYTHING I OWNED BY NEW OWNERS. I had valuable stuff as my extra homeowners insurance can show and I had EQUITY. I'm still basically out in the heat and cold waking up to a nightmare reality. 
PLEASE SOMEONE WHAT CAN I DO?
Product: Credit reporting or other personal consumer reports

I recently submitted a dispute with no response. I am a victim of identity theft and my rights under the Fair Credit Reporting Act have been violated. I have not received any information regarding this account. A proper investigation was not completed on my behalf, thus if the company can not provide sufficient evidence including but not limited to a contract with signature, I will proceed to file a lawsuit.
Product: Money transfer, virtual currency, or money service

BlockChain is going on an abusive power trip beyond belief with ALL my crypto. 
Here 's what happened : I live in XXXX - XXXX as you know is a small XXXX country - XXXX kilometers in any direction brings one in a different country. So that happens all the time. 

Despite all measure the have in place to authenticate who you are at log in ( account ID, password, 2FA, facial recognition - all of which I use by the way!!! ) they find it " suspicious '' that I check my balance outside XXXX. It seems they don't have great confidence in their own infrastructure!! 

And here 's the kicker : what does Blockchain do? They confiscate all my assets ( worth over 100,000 $ ), AND they do NOT even tell me why ( other than " suspicious behavior '' - to do with traveling ). I asked them twice, explicitly : " What do you mean - tell me exactly what you find suspicious ''. No answer. 
You're reading this right : they confiscate without telling why. Like that. That why the classification of abusive power trip is justified. 

So I'm done with them. I just want to LEAVE. They do NOT communicate, they just steal your money without ANY explanation, AND they don't follow up, reply to pertinent questions,... It's a crying shame. 
They just leave you hanging, for no reason, for as long as they wish. 
This is the OPPOSITE of a serious platform. 

And -by definition- theft. 
I have meanwhile- and for this reason- set up a XXXX account. 
Yet, also at my request to transfer my assets there : ( you guessed it ) NO REPLY WHATSOEVER. 
They sent one request : create a clean new account with them. 
Even if 1/ My old account was not dirty at all- and I have still no idea why they think it is. 
2/ I have literally ZERO desire, after all this, to stay with them. 
So instead of creating a new account, they MUST release MY assets that they are illegally holding, and transfer it to the indicated XXXX account. 

I chose to " Publish '' this info so that ( hopefully ) - many more people can read how BlockChain is " treating '' their clients. This illegal, abusive power-trip has to end. Immediately. NEVER EVER use their rewards account as that means you are handing over your assets to them and they refuse to let you check out.