23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX XXXX sold my home loan to Fay Servicing in XXXX. I have had several concerns about this company, especially the customer service department. No one seems to know anything about my account. I started making payments to Fay servicing in XX/XX/XXXX. Fay Servicing has reported my loan to be a bankruptcy discharge, when I have proof of filing a reaffirmation and have copies, they refuse to update. My reasons for filing this complaint is about my payments are not applied to my account correctly. We have suffered a lot of financial hardship in this era, and it has become an extra job to keep following up with a customer service department that do not know what to do. My mortgage is set at 1 % and I am being charged more interest than 1 %. In XX/XX/XXXX, Fay Servicing paid the taxes on my home that was past due totaling XXXX and added it to my escrow balance. I have never paid my taxes with my mortgage and had fallen behind on my taxes. On XX/XX/XXXX. I made my regular mortgage payment, and after talking with a rep, by the name of { XXXX ) He advised me to make another mortgage payment along with the escrow balance amount, which came to an amount of XXXX. I made the payment on the XXXX of XXXX in the amount of XXXX and I told them that XXXX was for my escrow and the remaining XXXX toward my mortgage for this month. They didn't do what they said they would do, instead they raised my mortgage up XXXX dollars and didn't apply it to the escrow balance. No one can explain to me where the extra money went to. I need answers, and It's looks like they are stealing money from the payment report.
Product: Credit reporting, credit repair services, 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 XXXX has violated my rights. 

XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXXXXXX has violated my rights. 

XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX has violated my rights. 

XXXX / XXXX / XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have a 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

My addresses are incorrect on all credit reports. On my XXXX my date of birth is incorrect I was not born in XXXXXXXX I am not even XXXX.
Product: Money transfer, virtual currency, or money service

Got involved with company with connections to XXXX XXXX ( as an accredited investor ) for investments. {$5000.00} initially to join and then {>= $1,000,000} to make more money and then an additional {$20000.00} because we were making good money. When I asked for some back, my account was sold out and I received no money and ALL communication with participants stopped. I was out $ XXXX or $ XXXX XXXX.my savings!! 
XXXX
Product: Credit card or prepaid card

Fees accrue for late payment the day it is late - i.e. bill due XX/XX/XXXX, on XX/XX/XXXX late fee is applied. However, late fee is not added to balance until next billing statement, so you think you are paying full balance, but you have a late fee that hasn't shown on account yet, although it is already applied to account. So you think you have payed off card, but you still have a balance that is accruing interest - the late fee. Other cards I have, late fee is added to account when it is charged so if you pay your account late, you can pay late fee and be paid in full. In my opinion, this is done to accrue fees because many people don't get or see paper statements and do not realize they have a late fee accruing interest because you think you paid the account in full all be it late.
Product: Credit reporting, credit repair services, 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 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Customer 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 cost significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card

Hi, I am writing to bring to your attention a dispute I am currently facing with Bank of America regarding fraudulent charges on my account. I believe your intervention may be necessary to help resolve this matter. 

On XX/XX/XXXX, my Bank of America card was allegedly used to make a purchase at XXXX XXXX in XXXX, WA, amounting to {$360.00}. However, I can confirm that I was out of town on business in Iowa during this time, and my card was in my possession the entire period, securely stored in my wallet. 

Immediately after the suspicious charge, Bank of America flagged the transaction, along with several others, as potentially fraudulent. I received timely notifications via text messaging, and I promptly confirmed these charges as fraudulent. Subsequently, on XX/XX/XXXX, I contacted Bank of America 's fraud department and initiated a discussion regarding the unauthorized transactions. The bank assigned claim number XXXX to this case. 

To my dismay, the very next day, on XX/XX/XXXX, Bank of America surprisingly and without clear explanation, denied my claim, absolving themselves of any responsibility and leaving me liable for the fraudulent charges. This has resulted in an unjust financial burden and has significantly impacted my confidence in the security measures provided by the bank. 

I request your intervention to help me with this claim with Bank of America. 

Thank you, XXXX
Product: Credit reporting or other personal consumer reports

I received the attached letter which again makes no sense whatsoever. I see this account is still not handled. I have gone round and round with you for years on this account and this is very wrong. 
I still have the original letter you sent advising you researched this account and found it does not belong to me and now you are changing your mind again? This has gone back and forth so many times. 


We never authorized the payments from an account ending in XXXX and the account was made and accessed by the person who opened and accessed this account. The hospital and doctor records we sent you confirmed we had no way to open an account in XX/XX/2020 as we were incapacitated and hospitalized for the entire period of XXXX  XXXX XXXX 

You are harassing and violating many laws and regulations against a XXXX military family. This is very wrong and the effort you put into helping me is awful. 

I have tried time and time again to get help from your offices. 

XXXX and XXXX XXXX
Product: Checking or savings account

BANK OF AMERICA has been charging me a monthly maintenance fee when I was never told about a monthly fee nor is there a signature stating that I am aware of it and understand what it is. There contracts are bogus a f the use of my social security number being attached to my account is fraud when I can not be identified through a social security number. I want the monthly maintenance fees refunded and a complete contract for me to look over.
Product: Checking or savings account

I 'm unable to get up to date information on transactions from either the automated or phone teller on my checking account. This has resulted in my having to pay returned check fees because XXXX XXXX XXXX ca n't provide me with the information on checks cashed or processed electronically more than 25 days after the transaction via the automated system or banking tellers. The automated bank phone system is extremely disorganized I go through the entire prompt system still am unable to find out when the sent my payments or transactions were process till more than a month later. When I call in XX/XX/XXXX and XX/XX/XXXX to address this matter I was not given a straight answer on my account and why there system is not up to date. The XXXX XXXX teller just blamed four different merchants I sent payment to for them not being able to provide me with the most current information.
Product: Credit card or prepaid card

I held a spousal ( second ) card a Bank of America credit card last year with an account ending in XXXX. On XX/XX/XXXX my wife and together visited a Bank of America financial center branch in XXXX, MN. Our goal was to change my status from mere second cardholder to a fully-authorized co-holder so I could use Bank of Americas web portal to download rewards airline points earned ; I had been denied access when attempting that task a month prior. XXXX XXXX XXXX served us behind a counter as relationship banker that day, her business card below. Upon learning the details of our request she said that such a credit card status change was not possible and insisted we close XXXX and open a new one. I found it odd at the time, it seemed a simple technical matter to me. I inquired if the large amount of points we had accrued that year would seamlessly transition to a new account. She checked with her supervisor who was on site that morning and he said, yes indeed. So my wife and I went down that path that day, which was rather lengthy ; later we were sent new account cards ending in XXXX with co-equal status as requested. What did not ever happen was the transfer of airline rewards points from one account to the other. I made phone inquiries about his matter on XX/XX/XXXX ( with XXXX ), XX/XX/XXXX ( XXXX, XXXX ), XX/XX/XXXX ( XXXX, XXXX XXXX ), XX/XX/XXXX, ( XXXX ), and today, XX/XX/XXXX ( XXXX ), to resolve the matter of my XXXX lost points. Case numbers were assigned by the seven Bank of American customer services agents named above ( XXXX, XXXX ) with promises for resolution based on further research. Whenever I phoned I asked if the agent could review case notes but adequate notes were never entered they said ; ultimately the answer was always " no. '' I view the whole matter now, a year in hindsight, to be a scam of the sort appearing in the press last year pertaining to similar serial transgressions by XXXX XXXX. We were effectively coerced into opening a new account that then wiped out {$33000.00} of charges accrued into points. We were given busy work of a new card application with only liabilities accruing. XXXX XXXX, her XX/XX/XXXX supervisor, and Bank of America as a corporation all should be ashamed of themselves. I suggest they be investigated and, if appropriate, be fined, fired, or both.
Product: Credit card

Made payment from XXXX XXXX  to Chase card of {$2000.00}. Bank says payment made. Chase says payment never received. Bank verifies payment made but still no credit for {$2000.00} payment on Chase Visa credit card
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the Credit Bureuas last XX/XX/XXXX, XXXX as my sixth attempt to notify the Credit Bureuas that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the identity theft. 

These items are unknown to me. Also, the information that some Credit Bureuas provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

Here is the list of accounts that should be removed from my Credit File : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1000.00} US DEPT ED XXXX Balance Owed : {$280.00} US DEPT ED XXXX Balance Owed : {$2000.00} US DEPT ED XXXX Balance Owed : {$4900.00} US DEPT ED XXXX Balance Owed : {$2000.00} US DEPT ED XXXX Balance Owed : {$10000.00} US DEPT ED XXXX Balance Owed : {$3100.00} US DEPT ED XXXX Balance Owed : {$4000.00} US DEPT ED XXXX Balance Owed : {$3100.00} US DEPT ED XXXX Balance Owed : {$5200.00} US DEPT ED XXXX Balance Owed : {$7500.00} US DEPT ED XXXX Balance Owed : {$8800.00} US DEPT ED XXXX Balance Owed : {$2500.00} US DEPT ED XXXX Balance Owed : {$6400.00} US DEPT ED XXXX Balance Owed : {$2500.00} CONVERGENT OUTSOURCING XXXX Balance Owed : {$420.00} 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: Student loan

Student loan offset satisfied ; Professional Bureau of Maryland Inc not advising US Dept Education of that fact, therefore freezing my XXXX tax refund. 
Collection Agent : Professional Bureau of Maryland acting for collector for US Department of Education XXXX XXXX Social Security number upon request Cell : XXXX Email : XXXX Address : XXXX XXXX XXXX XXXX, NC XXXX Good morning, My student loan payments have been made on time. 

The Professional Bureau of Maryland , Inc has - as of XX/XX/XXXX - not advised the US Department of Education that the Treasury Offset repayments have been satisfied All guidelines have been followed ; all necessary paperwork, documents etc. were submitted XX/XX/XXXX. 

As a result, our tax refund has not been released. 

I have exhausted all avenues of remedy. 

Your help rectifying this stressful situation is earnestly sought. 

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

From XX/XX/XXXX through XX/XX/XXXX I had 17 requests for bank loans, credit cards, and lines of credit when XXXX and TransUnion lifted my freeze alerts without my authorization. XXXX, XXXX, and TransUnion also did this in XX/XX/XXXX and XX/XX/XXXX. At no time did they attempt to contact me by phone or mail to confirm that I wanted the freeze alerts lifted. I don't know why they issue a pin number if they don't request it when someone besides myself request that a freeze alert be lifted. Then the nightmare begins trying to contact all these companies, and then the credit bureaus in an attempt to clarify the dilemma. Trying to clarify this with the credit bureaus is almost impossible, taking me two to three hours with each if I was lucky. It seems the hackers have quicker access to my accounts than I do. What protection does the average citizen have with these three credit bureaus? How can one avoid this from happening again? What does our government do to protect the average citizen from this abuse? It seems that our government has allowed XXXX, XXXX, and TransUnion to have cache blanche to do what they want without the consumers having any protection from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

While speaking with a loan officer, he advised that he needed to pull my credit. I stated I didnt want him to and he tried to explain that it wouldnt impact my credit much. He then realized he already had my information and stated I already have everything I need and he scheduled a call back. He pulled my credit without getting consent and never even called me back like promised.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX XXXX, NV XXXX XXXX XXXX  XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX , NV XXXX XXXX XXXX  XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX Balance : {$780.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$5000.00} XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX Inquired on XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, we received payments from a XXXX client for a video production project. Then Paypal immediately red-flagged our account and asked us to provide more information regarding the transaction, which we did. Then the second day we checked our account and it showed our account has been permanently banned, and the funds we have in the account will be held for 180 days, 180 days!!!!!!! We called customer service and received an answer " the decision is final and we can not tell you why we are permanently banning your account ''. They told us the fund will be held for 180 days and asked us to be patient. The thing is our company did nothing wrong and we tried to ask our XXXX client to step in to see if both parties can verify the transaction and lift the ban and release the fund, but they say the decision is final. Our company is missing the funds to continue the video production project and we are going to face a penalty fee if we can not deliver the project and potentially filing bankcrupcy. Again, our company did nothing wrong but Paypal is trying to XXXX our company over.
Product: Money transfer, virtual currency, or money service

on last Sunday XX/XX/XXXX on the present i made a paypal account and use it for transaction on the next day and my buyer sent me the payment but unfortunately i cant withdraw nor convert the fund because the paypal says that my account us permanently limited which is so sad because the fund there is being stuck or hold i have no idea how can i get my fund. hoping you can help me with this
Product: Debt collection

I called your company on XX/XX/2020 I contacted your company certified mail, I provided documentation of the XXXX breach and asked for your company to remove this account from my credit file as soon as possible. I also asked for you to provide me with legal debt validation ( Proper paperwork showing how this account was added in my name, documentation with my signature, along with proof that your company is legally allowed to collect this debt from me. As of XX/XX/2020, I have yet to receive any response from your company. 

This is my second attempt to correct this error, your company is fraudulently reporting information to my credit report that legally should not be listed on my credit report or in my name at all. Please remove this account from my credit report as soon as possible, it is impossible for me to owe you any monies, you have also violated ( Section 609 Of the Fair Credit Reporting Act ) by not responding to my debt validation request which is illegal. I really hope this matter can be resolved quickly. 

If this information is not removed from my credit file, I will move forward to a judge in my area to bring this account into small claims court for this fraudulent account being placed on my credit file.
Product: Credit reporting or other personal consumer reports

I emailed and called Equifax to find out why my credit score has been XXXX for over a year when my XXXX and XXXX scores are points away from XXXX? why such a big difference. Their credit report looks good but whats up with this XXXX score?
Product: Credit reporting or other personal consumer reports

I request in writing XX/XX/year>, to XXXX XXXX XXXX XXXX to stop reporting negative impressions to my credit report. It stopped and then continued. I tender special deposit to XXXX XXXX XXXX XXXX XX/XX/year>, to pay off the account and made Affidavit of Notary Presentment and Certificate of Mailing XX/XX/year>, with Payment in full. I got no response and acknowledgement of my Notice of Acceptance with presentments and payment for the accounts. Instead, they keep reporting delinquency to my account and have their attorney file a lawsuit against my estate. As the implied surety of the Principal Debtor, I have the right to tender payment via special deposit. 
It was neither acknowledge nor rejected. 
This continued negative reporting is harming my financial health and ability to gain credit in good faith.