23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

i order online course for XXXX class, but this was not what i was looking for, so i send all of there stuff that they had send me, after i had paid them a {$10.00} dollar fee, to start, so i do n't know why they are trying to charge almost {$600.00} dollars now, please help!
Product: Mortgage

I received notification from Bank of America that my mortgage was increasing over {$400.00} per month due to the program Countrywide placed me and my ex husband on 10 years ago. When I inquired on options they placed me with the loss department advised me to contact bk and or foreclosure attorney and suggested a short sale. I have never been late on my payments and they are saying I need to proof a hardship. They are also stating they will not proceed with my request until my ex husband quit claims the property over to me first even though we have a divorce decree and I was awarded my home in 2008. When I asked why they can not record the deed at closing they stated investor guidelines require the quit claim first.
Product: Debt collection

I dispute and demand the immediate removal of inaccurate information from my credit report. The banks confirmed a system error that failed to provide records for the reported accounts : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The banks are committed to removing these accounts after careful review.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a very ill person, with XXXX problems waiting for a miracle or a XXXX XXXX, I believe someone is trying to open loans under my name, there has been numerous hard core inquiries on my credit bureau report with XXXX and XXXX, mostly companies that give loans, I'm too sick and weak and in bed to be fighting, but this is ruined my credit report, I have notify XXXX  and XXXX, and I have put a freeze but nothing works the inquiries keep coming. 
Please advice. I need help Im old and scared someone will take the little money I have.
Product: Checking or savings account

As of XX/XX/XXXX I deposited my tax refund for {$3300.00}. I made {$800.00} worth of transactions from that date through XX/XX/XXXX. However, my account was held for {$1700.00}. This caused my account to be overdrawn which has stopped me from bill payments and managing a daily line for myself and my family. On XX/XX/XXXX my ending available balance was approximately {$130.00}. By XXXX of XXXX my balance was {$2800.00} so I paid {$2000.00} for my rent which brought my balance to approximately {$700.00}. By XXXX that same morning, my account was suddenly overdrawn by - {$260.00} and has continuously grown since then. My rental payment was not scheduled for autopay, nor do I have overdraft protection. So how is it that there is no trace of a {$2800.00} deposit, yet my transaction was still approved? I have called us bank customer service multiple times and was provided no resolution. I visited branch number XXXX and spoke with their manager XXXX XXXX and he agreed that money has been mysteriously moving throughout my account and that the numbers are not adding up. He contacted accounting and they say my- {$1700.00} hold was due to my rent payment. This is untrue because the hold was established on XX/XX/XXXX ... rent was XXXX... again, I did not have auto pay. I paid {$2600.00} via apple pay for a car and even after that transaction & various others, my balance was still positive. I have not heard from XXXX XXXX regarding this matter and have left 2 voice messages and called their branch well over 5 times. I am under the impression that US Bank has stolen my hard earned, tax-paying dollars and has now caused unimaginable suffering. I am seeking legal counsel regarding this mattera as well as filing complaints with against FDIC, my banks Primary Regulator, and CFPB. All I want is my funds returned & my account brought back to a positive standing.
Product: Mortgage

This complalint is a follow-up to the complaint filed on XXXX/XXXX/XXXX. Several hours after that compalint was filed, XXXX from client advocacy at Truist called and said my case had reached the hightest level and gave me the case number XXXX, She also said she would get back to me within seven days, which was yesterday and I have not heard from her at all. This week I received one letter dated XX/XX/XXXX stating they would send a new deferral or workout option that would need to be exucted. The one on XX/XX/XXXX offered options to bring paymetns current such as a refinance or loan modification. It seems one hand does not know what the other is doing at Truist. 

On XX/XX/XXXX I filed the orginal complaint and Truist responded : For your mortgage account XXXX, the trial offer was mailed XX/XX/XXXX. Within the Trial Flex Modification agreement, the new approved terms are 121 months with new interest rate of 2.875 % and the new unpaid principal balance of {$79000.00}. The workout plan begins with your first payment due on XX/XX/XXXX in the amount {$970.00}. 

I have received that document and we signed and noterized it and sent it back. They failed to record it, and have ingnored the finalized exucted document that should end this matter. Plese note I have been paying {$97000.00} to Truist since XX/XX/XXXX, They say the money is in a suspense account. I was less the 15 months in forebearence.
Product: Debt collection

This company has been deploying Unfair, Deceptive and Abusive tactics on their attempts to collect debts that they have been assigned to collect. Unwilling to work with consumers, filing suit and entering default judgments without properly serving the individuals involved. Should receive monetary reprimand. XXXX XXXX should be removed from his positions as his techniques have been deplorable to say the least. Making threatening statements to individuals is by exact definition abusive. Threatening to sue and report to your credit bureau as well filing suit without properly serving consumers.
Product: Credit card or prepaid card

In XX/XX/XXXX, I noticed a charge on my account in the amount of {$29.00} from XXXX XXXX and XXXX, which I had not shopped at in quite some time. To look further into this, I clicked the link to see the store and description, and it stated DONOTASKAGAIN. I immediately knew this was a fraudulent charge and called Bank of America to dispute the charge. While I was on the phone with the person, I informed them that I had never been in that store location before # XXXX. While on hold for the person to initiate my dispute, I googled the store location that was associated to see if I can get the phone number to also call XXXX XXXX XXXX XXXX  to file a claim with them, and I noticed there was an entire web page about fraudulent charges that matched mine from the exact store location and some even for the same dollar amounts. I informed the person on the line helping me, so she went back and did a review of my entire account over the past year. Thankfully she did this as we discovered 9 fraudulent charges on my account totaling {$710.00}. Through this time period, my card had been compromised 3 times from Bank of America, so I had to file 3 separate claims. It is now XX/XX/XXXX and Bank of America does not want to return all of my money to me as they stated " I had no sense of urgency to notice the money was missing ''. Another reason they gave was that I " logged into my account online about XXXX times and I should have noticed the charges ''. People log into their accounts for numerous reasons and when you use your bank card as frequently as I do, those small dollar charges happen to go unnoticed. Since this incident happened, I set up alerts on my account so that I am not notified via text and email for every single transaction that takes place on my account. It has been 4 months now and I have had to open this dispute several times as Bank of America has given me some money back, but not most. This makes no sense to me that they recognize some as fraud, but not others, yet every one of these transactions is from the same exact store : Location # XXXX. I am including the link, which I also shared with Bank of America in my dispute process that shows how this happened to others as well : https : XXXX. Bank of America sill will not assist me. Further to that, XXXX XXXX XXXX XXXXXXXX even sent a statement of my account to Bank of America showing them that I had 4 charges during the time period of these fraudulent charges and not one of them were related to the fraud charges on my account. Still no help from Bank of America. What is the purpose of having fraud protection if they will not honor it and give you your money back when someone steals from you. I've been a customer with Bank of America for 24 years. I have never once had an issue, paid a bill late or experienced anything like this. It has been a horrendous experience and after all these years, I will no longer look to bank there once this has been resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notification on XX/XX/2018 from Transunion & XXXX is still investigating, and inaccurate reporting of bankruptcy discharge in the file they maintain under my social security number. The documents I received from these agencies list its " method of verification '' from XXXX or XXXX XXXX. I have attached a recent letter from XXXX XXXX reporting the inaccurate bankruptcy has been removed from the files they maintain under my social security number. I have requested from both their method of verification, and they have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ).

Both are operating in bad faith which is an additional violation of FCRA 611 ( 5 ) ( A ).

According to 15 U.S.C. 1681 Fair Credit Reporting Act Section 602 ( a ) Accuracy and fairness of credit reporting. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for my right to privacy.
Product: Checking or savings account

I have a bank account with Santander Bank, XXXX MA. Bank allowed account to fraudulently be accessed using fake information and all my funds withdrawn. Bank states it has no lability. Then closed account with XXXX balance. I have NEVER made withdraw from the bank account. Amounts withdrawn were Fraud and bank refuses to take any action. I was told Its too bad I have lots of documents I can provide. 

Financial Loss My entire bank balance of {$1300.00} Allowed withdraw by XXXX XXXX and XXXX XXXX Santander Bank XXXX XXXX XXXX, XXXX, MA
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Credit Report Information and Request for Blocking Under FCRA 605 ( b ) Dear CFPB Team : I am writing to formally dispute inaccurate information on my credit report and to request the immediate blocking of this information pursuant to FCRA 605 ( b ). This provision requires that inaccurate, fraudulent, or identity theft-related information be blocked from my credit file when supported by proper documentation. 

The specific account ( s ) in question include : XXXX XXXX XXXX XXXXAccount Number : XXXX This information does not belong to me and appears to be the result of identity theft or an error in reporting. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to protections that safeguard my credit report from inaccurate or fraudulent entries. Specifically 1. FCRA 605 ( b ) : Blocking Information from Identity Theft * CRAs are required to block disputed information if a consumer provides : * A valid police report or identity theft affidavit, * Sufficient proof of identity, and * A clear statement identifying the disputed information. 
* CRAs must block the information within XXXX business days of receiving the required documentation. 
2. FCRA 611 : Procedures for Resolving Disputes * This section mandates that CRAs investigate disputes within 30 days and delete unverifiable or inaccurate information.

3. FCRA 609 ( e ) : Requirements for Identity Theft Victims * Consumers are entitled to access the fraudulent account details upon request.

* I formally request the following : 1. The immediate blocking of the disputed information under FCRA 605 ( b ).

2. Confirmation in writing that the disputed information has been removed and will not reappear on my credit report.

3. A revised copy of my credit report reflecting these corrections.

Please note that failure to comply with the FCRA could result in penalties, including statutory damages, punitive damages, and attorneys fees. I trust that the CFPB will ensure my rights are upheld and that this matter will be resolved promptly.

Thank you for your prompt attention to this urgent matter.
Product: Vehicle loan or lease

On XX/XX/XXXX, I purchased my lease XXXX XXXX XXXX Unfortunately, I have not been able to get the title to this car ; every time I call customer service, Im confronted with different excuses. 

It has been a nasty experience and at the moment I had no other choice but to get a lawyer to handle my case as of today XX/XX/XXXX, the lawyer has not been able to get anyone to talk to him. 
XXXX XXXX
Product: Vehicle loan or lease

XX/XX/XXXX I received a secure email from Kia for a buyout quote good until XX/XX/XXXX, the amount was {$17000.00}. 

XX/XX/XXXX I made a payment of {$2900.00}. This should have brought the balance down to {$15000.00} but it did not. It was brought to {$15000.00}. 

XX/XX/XXXX I called Kia to ask why. Was told that it was sales tax. I explained that there is not sales tax in NH. They said that they would correct it. 
Called back XX/XX/XXXX as it had not been fixed. Was told that it was a Rental Tax. I paid it. The balance now shows at {$15000.00}. 
XX/XX/XXXX Called and asked that they fax the correct information to buy out company. They said they did. Buy out company never received it. Asked to send again. 
XX/XX/XXXX Called and asked that they fax the correct information to buy out company. They said they did. Buy out company never received it. Asked to send again. 
XX/XX/XXXX Called and asked that they fax the correct information to buy out company. They said they did. Buy out company never received it. Asked to send again. 
XX/XX/XXXX called for updated buyout quote and last two payments applied to the account to be emailed to me and faxed to buyout company. 
XX/XX/XXXX Received complete payment history with no buyout quote. 
Called XX/XX/XXXX - Asked again for information to be sent as nothing has been received. They said that it was sent. Asked for it again. 
XX/XX/XXXX Was sent secure email from Kia showing only a full payment history. 
I can not have another company purchase my car, until they release this information.
Product: Debt collection

I received a call regarding an old disputed medical debt. We have fought the original creditor because I was on XXXX and no bill should of existed. The collection agency was told of this dispute yet still applied the disputed, inaccurate item on my credit bureaus. When I requested they validate the debt they responded with a letter claiming we can validate but due to HIPPA Regulation we ca n't supply that information. So they reported information on my credit history but refused to validate the debt. They have violated FDCPA and FCRA and even though I have disputed this debt that they refuse to validate, they continue to report the inaccurate information damaging my good credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of fraud. I received a credit report with inquiries that I have no knowledge nor did I authorize these inquiries. I called the companies but they could not find a application with my information and informed me to dispute the information with the credit bureaus. The inquires that are unauthorized are : XXXX, XXXX  XXXX XXXX XXXX x2, XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX. I have seeked legal representation for other fraudulent accounts on my credit.
Product: Credit card or prepaid card

To make a long story short, I have an XXXX XXXX  store card ( recently closed due to this issue ) with XXXX XXXX. Not only has comenity reduced my limit twice in one month on more than one occasion, they have me in their system as using 100 % of my credit limit ( {$940.00} ) even though my account is paid off, with no balance and no payments due!!! 
I made a purchase in XX/XX/XXXX for a dresser that was {$790.00} plus tax and delivery. Delivery day came not merchandise..I called to be informed that I never confirmed the delivery date ( which I did upon leaving the store via the link sent in a text ) so I was going out of town and chose to not wait on another date and cancelled the order. Was told by the store I cant cancel with them I needed to contact comenity bank Which I did. They said since the delivery wasnt confirmed, nothing was taken from my card so there was nothing to refund. I confirmed that I still had my available balance and hung up. 
Fast forward to today XX/XX/XXXX. I got some office stuff for Christmas and needed a desk. I went online to purchase one from XXXX XXXX.the desk was {$290.00} plus fees. Went to check out, it said unable to process. I logged in to my account to find I had {$97.00} avail credit. What!!!!! I was upset and called, I spoke to 3 different people who transferred me each time after being on the phone with each for 45min or so. I finally got someone who said my account is on hold..Why I said?? And the avail credit was now 0.. the rep ( supposedly a specialist supervisor went on to explain that the previous cold purchase was still in the system, and not only that, the purchase I just tried to make depleted the rest, and although one transaction was cold in XX/XX/XXXX and todays didnt process, I will have no available credit until XX/XX/XXXX because of the no interest promotion from the XXXX purchase..Im upset and I say, so basically I have no credit even though I have no merchandise, and completed XXXX transactions? And because of a system error, it is going to show that I am utilizing 100 % of my limit with your company to credit bureaus, even though I am utilizing NONE!!! Basically I was told this rarely happens but when it does, just sit tight, and wait. I said XXXX is not when I need the desk. Not only did this company ruin my score last year by their frequent decreases, way more than any other company despite on time doubled and extra payments, but now my credit will be destroyed once again by this company showing 100 % utilization when I havent utilized a dime!!!! Please help me..this must be illegal!! To make matters worse, I have a XXXX XXXX card through this same bank ... .please help me, I closed this card do to the frustration of it all, and now I fear my credit will show this inaccurate utilization for months..this is unfair and unprofessional
Product: Student loan

Website has been shutdown for the past couple days without any notice. I am unable to submit my loan payment in time because the website is down. I am unable to contact their customer service because the website is down. This has happened a couple of times in the past.
Product: Checking or savings account

Hello, Below is a description of the incident. My name is XXXX XXXX. 

I was searching online to buy a XXXX puppy for my kids for XXXX and came upon this site https : XXXX After email exchanges with the breeder, I proceeded to purchase the XXXX XXXX for {$850.00} total and paid for it by Zelle which is hooked up to my XXXX checking account on XX/XX/2021. I was asked to send a picture of the Zelle confirmation by the breeder. Breeder confirmed they received my payment and they'd ship the puppy the following day from Oklahoma since it's already late. I got confirmation by email and text from this number XXXX XXXX ( same number on the emails from breeder ) the following day that the puppy was dropped off at the pet shipping agency, that they will contact me next, but I was warned that the shipping agency didn't take their old crate and need to use a different crate for traveling. I then got an email from the shipping agency XXXX XXXX XXXX confirming the shipment of the puppy, tracking number, and the shipping and delivery is paid. Then I got a call from the shipping agency from this number XXXX that I need to pay for a thermal crate or the puppy won't be able to travel, the fee is {$1700.00} and I'd get 95 % refund back to my Zelle account when the puppy arrives at my address. They advised me to break up the payment if I hit a limit with Zelle. I was only able to send {$1000.00} then {$500.00} via Zelle and they asked me to get a XXXX gift card for the remaining balance and send them a picture of the receipt and front and back of XXXX XXXX. I did that and emailed them the photos and they confirmed receipt. I received a call from the pet shipper again now asking for {$1900.00} for pet insurance needed to ship the puppy, that the puppy is stuck in Colorado and that if I don't pay then the puppy will be abandoned, they'd call the FBI. I said I'd pay by credit card but not Zelle or XXXX which they were asking me to. I then told the pet shipper on the phone that I will cancel the shipping, that this is a scam. The pet shipper said they'd send me a refund in 72 days and sent an email stating so. I told the pet shipper on the phone I need the refund back to my Zelle account now. I also called the breeder who told me to pay the pet shipper, that he had been using them for 5 years and that I will receive the dog. He said he can't really talk cause his daughter is at the hospital ill. I called the breeder again and the number XXXX is disconnected. I sent the breeder an email saying I need a refund of the {$850.00}. No response from both. 

I've reported this to Zelle, my bank, as well as the local police here in XXXX XXXX CA ( report # XXXX ), FBI IC3 , FTC, XXXX, XXXX. I reported this on XXXX. I also reported it to the web hosting site, XXXX, and the breeder site was taken down on XXXX. The pet shipping site is still up, I reported it to XXXX on XXXX.
Product: Debt collection

This in response to XXXX XXXX and air conditioner response to my complaint. Their response to what happens is not entirely accurate. XXXX did install my air conditioner on a weekend of a holiday. I did contact XXXX on XX/XX/XXXX at XXXX XXXX and XXXX XXXX then I called their standby contact at XXXX and XXXX I then received a call at XXXX. that my air conditioner was not functioning properly. The technician came on XX/XX/XXXX Then 3 months later on XX/XX/XXXX, I had to call and follow up because their finance company was calling me, they must have forgotten about me so I called and left a message and emailed XXXX and he responded by email on Mon XX/XX/XXXX and informed me an inspector will come on Monday, XX/XX/XXXX and that they can not control the finance company and the job was complete and up and running, I did not attempt to argue because it was not running or functioning properly. Thats why their technician had to come back and fix it on XX/XX/XXXX. Also, I responded back with unsatisfied remarks. See email. Then I emailed XXXX again on XX/XX/XXXX, and requested the date ad time the inspector was arriving. Then on XX/XX/XXXX their technician came and fixed the problem with the air conditioner. And Mr. XXXX ask what day would I like to schedule the inspection, then responded and I followed up again on XX/XX/XXXX and finally, XXXX responded that my inspection would be on Wednesday, XX/XX/XXXX at XXXX am I received a call from XXXX attorney requesting I speak to him and his attorney on the phone. I was not going to respond because it was abrupt. I received no letter from XXXX stating they want to come up with a solution. But since the call, I received no other correspondent from XXXX heating and air conditioner. 
Please see attached email and phone call list showing the dates and times the calls took place. And see the bill from service solutions. 
Also someone came to my home and put an letter with no envelope in my mailbox. I have no idea who did ait, I do have documentation.