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

As per my previous complaint the account is still open and now has had XXXX has been transferred through the account after I told them that this account is fraudulent. I've tried to clear it up with the bank this is the second time that this has happened while being in the check systems and also have a freeze on all my credit reports but this account still has managed to be opened still is opened and they are refusing to close it when I last spoke with Bank of America they assured me that the account would have been closed which one I called in the account is still opened this account I never authorized to have opened told the bank this even told them before they started transferring the money and they still allow the suspicious activity to happen now I know I'm not no genius in the banking industry but I know that there is regulations that each Bank should be following and if these regulations are in place then how do people like me become victims from this bank that's been around for all these years if this is something that Bank of America has been doing which they have been accused of opening accounts fraudulent accounts to get the kick back perks I want this account closed immediately I'm in the process of talking to an attorney and I'm going to sue Bank of America for emotional distress this is annoying and it's a waste of time if the people from Bank of America are not going to follow through with their part in this mess I'm not filling out any kind of form or paper to be mailed back to Bank of America and the reason why is if they are this irresponsible with my information how do you think I'm going to feel if I put all of my information on a piece of paper and send it to them it's never going to happen I want the account closed now this is the last time that I will ask for this account to be closed and then I will take matters into my own hand and hire an attorney to have this account closed. I will also see for Bank of America to pay all my attorney 's fees as well. Close the account. I've also shared my story with local and international news stations so they are also aware of how Bank of America does business.
Product: Mortgage

My wife and I were contacted by Fifth Third regarding refinancing our mortgage. We decided to proceed and filled out the initial application packet and sent them our personal documents. On XX/XX/XXXX, due to unforeseen circumstances, we asked the refinancing to be put on hold. We received an email back within an hour from our mortgage officer that this was fine and he would do so. At this point we had heard nothing about the loan application as we were very early on in the process. The following day ( XX/XX/10 ), I received a call from someone else at Fifth Third asking questions about the application. I told her we had spoken to our mortgage officer and it should be on hold for the moment, we did not want to proceed with anything. She was unaware of it being placed on hold but agreed and said we could reconvene if we decided to move forward with it. Then, on XX/XX/XXXX our account was charged with a {$390.00} mortgage loan application fee. I responded immediately and they said they were sorry and would try to get it taken off. I immediately reached out to another mortgage officer we know and was told that they should not have charged anything, and unless an appraisal had already been completed it was not too late to reverse anything and we should not be charged for wanting to put the process on hold or cancel. On XX/XX/XXXX, someone drove down our street around XXXX XXXX  and stopped to take a picture of our house and then drove off. My only guess as to what this driveby picture could be would be the " appraisal ''. I immediately sent Fifth Third Bank an email about my frustration with them seemingly trying to push this application through after I had requested numerous times it be put on hold and was promised so. They responded back within 5 minutes that the appraisal had been put on hold and they requested the application fee be returned and were still waiting for them to do so. At the end of the email he said " I will let you know when the fee is returned ''. I have all of this correspondence documented in timestamped emails. Despite the loan officers saying that this was placed on hold until we are ready to move forward, I still continue to get emails about appraisal documents to sign. I feel that this has been a poor example of customer service on their part, particularly for something as intimate as people 's personal finances. I feel that this is due to their company being so large and lack of personal attention to their customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting inaccurate and fraudulent information on my credit report and refuses to verify the account. I have sent multiple letters to this Company requesting documentation bearing my signature, they have failed to do so twice. They claim I owe close to {$2000.00} to their company, but fail to provide proof of my authorization of this account. They are violating federal laws, and should've removed this account from my report months ago.
Product: Credit card or prepaid card

I personally, closed credit card account ending in XXXX, the company sends me a statement with a closing date of XX/XX/2019 advising of a credit of {$2.00}. Rather than take the rational normal approach of sending a refund check, they send a statement advising of a minuscule credit. 

Please inform the simple minded company to issue me a refund check.
Product: Student loan

The Company Arete Financial Freedom mislead me over the phone into paying them {$790.00} for a service that it could have been at free cost to me through my service loan department ( XXXX ). I already have a debt paying my student loan to begin with. What make them think that is ok for people to give them money that it doesn't go into my loan debt account. I could have pay this {$790.00} into my own debt and bring the cost down of my principal to bring payments and the cost of the loan lower. They made me pay an amount of {$260.00} once at month for the next three month which started back on XX/XX/2019. They told me over the phone to go over the forms and signed them without giving time to read the contract. If I had the time to read over the contract, I would've never pay them this money. This is a trick that they use to mislead people and student to pay money. If they really want to help with our debt, they could have told me to go thorough my service loan department at free cost. I have also summited a complaint with the FTC Ref # XXXX and, will be calling the state Attorney General as well. I have emails and forms sent to me by the company ARETE Financial Freedom that I can send to you guys whenever they are requested. Their number is XXXX-XXXX-XXXX-XXXX.
Product: Mortgage

Citi mortage.lender I am a XXXX % XXXX veteran. In XXXX we XXXX no property tax. My lender took out of my payment put tax money in escrow every month for a few years. At the end of each year they paid the tax collector. Drawing intrest off the money. I contacted my tax collector they went back a few years and sent a check to Citi mortage for the taxes paid in error. I am in a repayment program with citi mortage during this period. Now citi mortage tells me they are going to hold the check from the tax assessor. Until the last repayment is made. Again collecting intrest. This seems to be creative intrested in there favor at my expense. I 'm not well educated even I see them dipping twice and giving my money a ride at my expense. 
XXXX did something similar to me years ago. I did n't ask for help then and wish I would have. This time I 'm asking for help. I need help please XXXX
Product: Mortgage

Please reference prior complaint regarding the unprofessional service from Home Point Financial. Although the recent complaint has been closed out ( XXXX ), I am still unable to get a response to either my written and/or voicemail requests for status on a progress payment due to my contractor for which Home Point Financial has had the funds to pay for many weeks. Although there was an inspection by both the county and their subcontractor on XX/XX/XXXX ( both inspectors passed the pre-drywall closure work stage ), Home Point continues to be unresponsive to both myself and my contractor, whom I have granted authority to communicate with them directly. 

At this stage, all work to be performed by the contractor was completed as of XX/XX/XXXX with the exception of the glass enclosure, which is to be completed by a glass company acting as a subcontractor of my contractor. 

I am stuck and have had to negotiate with the contractor to continue work as they wanted to stop as a result of not receiving the progress payment.
Product: Credit reporting or other personal consumer reports

XXXX XXXX was opend on XXXX XX/XX/2024 for this company and it is an unauthorized inquiry ..... 
I formally request that the following inaccurate items be immediately investigated. 
They must be removed in order to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting Act ( FCRA ) ,15 USC section 1681i, I will expect you to complete the verification within 30 ( thirty ) days.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

I have advised the company that I am unable to make the payments and that I am working with a debt consolidation company and to contact them with the attorney that is also working on my debts. They continue to call me everyday or every other day.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of all accounts and inquiries listed below, as I am a victim of a data breach. Pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am entitled to take these measures to protect my credit. 
The accounts in question are as follows : XXXX. XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$2200.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$2400.00} XXXX. XXXX XXXX Account XXXX : XXXX Opened : XX/XX/XXXX Balance : {$670.00} XXXX. XXXX Account XXXX : XXXX Opened : XX/XX/XXXX Balance : {$2200.00} XXXX. XXXX Account XXXX : XXXX Opened : XX/XX/XXXX Balance : {$2400.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$670.00} XXXX. XXXX  XXXX  Account Number : XXXX Opened : XX/XX/XXXX Balance : {$460.00} XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$1600.00} XXXX. XXXX  Account Number : XXXX Opened : XX/XX/XXXX Balance : {$11000.00} Additionally, I would like to address the following inquiries associated with my credit report : XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I purchased a vehicle from Tesla located at XXXX XXXX XXXX XXXX in XXXX OH XXXX on XX/XX/year>. I was advised back in early XXXX of XXXX that my refund of of {$7000.00} would be expedited and processed. I was adv numerous times that Tesla would reach out to me. The last call on XX/XX/year> from Tesla stated that the refund of {$7000.00} still has not been processed. I was advised they would call XX/XX/year> between XXXX and XXXX XXXX  est and I still have not heard from them. I have reached out to Tesla numerous times regarding this refund. I was adv that the payment was processed and sent and should be received by a certain date. After that date had come and gone several times with no communication I would call to be advised by another rep that it was not processed and there was no tracking information provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$7700.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I DO NOT RECOGNIZE ANY OF THESE ACCOUNTS OR ADDRESSES NOR DID I AUTHORIZE THEM AND I CALLED THE CREDIT AGENCIES AND THEY DID NOTHING!!!!! I MADE A POLICE REPORT TOO. 

XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX OHIO XXXXXXXX XXXX XXXX # XXXXXXXX ..... 
XXXX XXXX # XXXX .... 
XXXX XXXX # XXXX .... 
XXXX XXXX XXXX # XXXX
Product: Mortgage

There has been fraud and robo-signing going on with the companies that handle our note and Deed of Trust! A complaint will be filed with the CFPB and other agencies in the near future regarding this issue. We are requesting the following information to complete our investigation before we file the fraud and robo-signing complaint with all supporting documentation including a third party investigation, with federal and state agencies! 
Now ; we send our monthly mortgage payments to Ocwen Loan Servicing, our servicer. Our trustee is XXXX XXXX XXXX. Again, I am requesting the following information in writing with documentation! 
First, provide documentation on who Ocwen Loan Servicing sends our monthly payments too. 
Second, provide documentation of when ( dates ) Ocwen sends our payments. 
Third, provide documentation of how much ( amount ) Ocwen sends each month. 
Forth, If Ocwen sends our monthly mortgage payments to XXXX XXXX ( our trustee ) as suppose to be, then Ocwen Loan Servicing must request additional information from XXXX XXXX! 
Fifth, has XXXX XXXX XXXX kept any of the funds that have been received by Litton and Ocwen Loan Servicing since 2006? 
Sixth, provide documentation on which investor did XXXX XXXX XXXX send our monthly payments too going all the way back to XXXX XXXX XXXX, our original lender on XXXX XXXX 2006. 
Seventh, provide documentation on how much did XXXX XXXX send each month to the investor? 
Eighth, provide documentation of the dates when XXXX XXXX sent the payments? 
Ninth, provide documentation on the type of payment sent to the investor? ( check, electronically, ETC ) Be warned, do not add any other information with in your response other than what is requested with in this complaint, otherwise more complaints will be filed against Ocwen Loan Servicing!
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cashapp ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX ( Original Creditor : 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.
Product: Mortgage

XX/XX/XXXX I appeared in cattaraugus Supreme Court. Honorable XXXX XXXX the judge hearing Chase bank foreclosure case against me. I have written several complaints to CFPB. One fact regarding a lawsuit that Federal Trade Commision filed against the bank which ended up in a settlement in XX/XX/XXXX. Which states the bank can not start a foreclosure unless all disputes have been taken care of. Chase bank had refused to follow the FTC settlement and started foreclosure any way. Chase has tried to push foreclosure through without resolving any of the disputes in my mortgage. Even my complaints there response has been that of taking no responsibility for problems that have cost me great deal of money. XX/XX/XXXX Chase told XXXX XXXX that they were working on a payment plan with me, and Chase wanted a three month postponement. I tried to tell the judge that it was n't true I had not heard from Chase. XXXX and XXXX Chase attorneys told the judge they would call loss and litigation to find out what 's going on. Court was postponed to XXXX XXXX XXXX. Court was again postponed until XXXX XXXX XXXX. Chase has never contacted me regarding any payment agreement or what they plan to do with my disputes. On XXXX XXXX XXXX. Chase stated they needed another 30 day ajornment. Mean while we have been in modification hearings and foreclosure court for 4 years. Chase has never spoke with me. I am being charged legal fees this whole time and house maintence fees. Chase stated to Judge XXXX the had a complaint they had to deal with. It was the reason they needed another adjournment. Chase has demonstrated tactics to eliminate disputes in mortgage and not resolving anything. Court now is in XXXX XXXX and to this date I have not heard from Chase. But legal fees keep adding up.
Product: Money transfer, virtual currency, or money service

I have been trying to access the funds in my Citibank account to make a wire transfer since XX/XX/2021. I have made 10+ phone calls with the bank and troubleshooted the issue multiple times. There are no blocks on my account, and my balance is over {$200000.00} but they have given me several excuses for why they can't process the transfer, including : a ) it's a technical glitch on their end which takes 3 days to resolve ( it was never resolved ) b ) they need to send me a new bank card ( which they did, and it failed to resolve the issue ) c ) I need to file a grievance with them ( which I have, and the issue is still unresolved ) At present, I still have no access to my funds, and I have spent close to 20 hours on the phone with them. In the last week, every single time I have called, they have pretended to transfer me to somebody and dropped the call. This has happened for the last 10 times in a row. The issue is still unresolved. I'm beginning to think I am being defrauded.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  loan was transferred to XXXX. According to stipulations of class action lawsuit against XXXX, XXXX should have cancelled my student aide debt and removed from credit report instead of transferring amount to XXXX! 

I qualify for loan forgiveness and removal of loan information from credit report due to the XXXX class action law suit settlement. I was pushed to forbearance for many years and was never properly counseled regarding income based repayment plans upon multiple calls to XXXX. A total of {$9000.00} plus of student loans should be forgiven and removed from my credit history due to XXXX 's predatory practices. " The 39 state attorneys general involved in the settlement said XXXX, formerly known as XXXX XXXX, steered struggling student loan borrowers into costly long-term forbearance plans instead of counseling them about the benefits of more affordable income-driven repayment plans. The interest that accrued because of XXXX practices was added to the borrowers loan balances, pushing borrowers further into debt. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I am making my formal complaint bring light to the violations the three credit reporting agencies continue rack up dealing with the accuracy of my credit report. I have my full credit file I ordered recently and I see a erronmous amount of inaccuracies and fraudulent accounts. There is also previous addresses that are in no way associated with me at all. Not only have the credit reporting agencies lied to me stating that the accounts or information is verified when per 15 USC 1681a ( e ) Validation of Debts the law clearly states validation comes directly from me, interviews with my neighbors, family, and friends. I know its a money game and they get paid to put accounts just anywhere even when federal law says they have to gain my written consent per 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer.
Product: Debt collection

The agency " State Collection Service " is in violation of the Fair Debt Collection Practices Act, the agency claims that I owe a medical balance of {$330.00} for an account that was put in collection due to XXXX XXXX XXXX XXXX in XX/XX/XXXX, I was contacted in XXXX of XXXX stating that I owed this bill from XXXX XXXX, the state collection agency failed to provide written notice of the bill amount, and failed to inform me that I was able to dispute this transaction within thirty days of receiving a statement. Their phone number is XXXX. Within a week of being contacted the collection agency put my debit in collections and have impacted my XXXX XXXX. I then contact XXXX XXXX XXXX XXXX and was informed by XXXX representatives that the {$330.00} charge was actually a service " adjustment '' from the insurance company and that the hospital had no record of my bill being put into the collection. The collection agency claimed that they provide notice to my apartment in XXXX however, I lived in the apartment until XXXX of XXXX, I then moved to XXXX and had my mailed forward up until XXXX of XXXX. Over a recorded line of the state collection agency, I asked the agency to provide proof of when they sent a statement and the agency had no record of providing me with a notice that I had a debt in collection.
Product: Checking or savings account

I opened this claim XXXX, the bank never requested more information about this transactions and the problem, also never requested a letter explaining the situation or even my signature. 
The purchase was made on store face to face but as many stores they dont have the product on the same site, so in this case they will send it to my address. 
The merchant never provided the goods, so I opened this claim with my bank, Chase. But they denied the claim saying the transactions was made face to face so the goods must be taken on that time. 
attached goes the receipt showing they will send it.