23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

Hello, On XX/XX/XXXX, Money Network bank withdrew {$180.00} dollars from my XXXX XXXX account without my consent. When I contacted Money Network customer service representative about this issue, the representative said that they could see in the notes that money was taken out from my XXXX XXXX account in regards to a dispute complaint I requested back on XX/XX/year>. I explained to the representative that I submitted a dispute to Money Network on XXXX in regards to a negative balance I had on my child support card because I didnt understand the reason for the negative balance, and I explained to the representative that although Money Network submitted the dispute on my behalf, Money Network bank never gave me a provisional credit. Also, I explained to the representative that because I didnt receive a credit, I had to pay the negative balance from my own child support deposits each week until I cleared the negative balance. 

Then, I asked the representative about the reason why I was charged {$180.00} from my XXXX XXXX I explained again to the representative that the negative balance was cleared from the child support deposits, and I never received a provisional credit from Money Network, then, why did Money Network took out {$180.00} dollars on Monday XX/XX/year> from my XXXX XXXX account? The representative said she didnt understand why and asked me to contact a supervisor next week. 

My prepaid child support card was issued by Money NetworkXXXXXXXX XXXX XXXXXXXX XXXX a service of XXXX XXXX XXXX XXXX XXXX 

Money Network telephone XXXX Please review and help if possible. 

Thank you in advance.
Product: Mortgage

My dad was trying to refinance his house so that my husband and I could make repairs to the home and live there. We tried for the FHA. I told the representative that the bathroom needed to be gutted, the home was old and my dad did n't take care of the house. The loan would cover all of the repairs and increase the value of the home. During my conversations with the representative I was never told repairs would have to be done before receiving the loan. He assumed the condition of the home and did n't think he needed to specify. We were denied and I lost about {$500.00}. That 's a lot of money to lose due to miscommunication. He was not thorough with his information and did not inform me of everything I would need to know for the process. I called to speak with him today. As I was asking to speak with someone else he hung up on me
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  is reporting {$620.00} on my credit reports. I AM GETTING READY TO SUE XXXX XXXX XXXX  AND THE CREDIT BUREAUS FOR REPORTING FRAUDULENT INFORMATION ON BY CREDIT REPORTS I HAVE NEVER HAD A XXXX  XXXX XXXX CARD OR ACCOUNT NEVER MADE ANY CHARGES ON A XXXX  XXXX  CARD
Product: Checking or savings account

I filing a formal complaint against Bank of America regarding their lack of communication. I have not received any updates from Bank of America, and I am unable to check my account balance since I was not notified that my bank account was closed. Upon multiple attempts to contact Bank of America, each time I input the last four digits of my social security number, the system consistently informs me that they are closed, during their business hours preventing me from accessing essential account information. 

Additionally, I want to bring to your attention the ongoing issues I have encountered with both Bank of America and XXXX XXXX, which have significantly impacted my financial situation. Furthermore, there has been a dramatic drop in my credit score due to these unresolved issues with Bank of America and the sudden closure of my credit card accounts by XXXX XXXX. The negative impact on my credit score has been substantial, initially plummeting from XXXX to XXXX and subsequently decreasing to XXXX, leading to significant financial distress. 

I respectfully request your intervention in investigating the recurring problems with Bank of America and XXXX XXXX, as well as the concerning decrease in my credit score. Your prompt attention to resolving these urgent matters and assisting in restoring financial stability would be greatly appreciated. 

Thank you for your consideration and assistance in addressing these critical issues.
Product: Credit reporting or other personal consumer reports

Was not properly informed of information that dramatically hurt my credit.
Product: Debt collection

I have tried to dispute this item from my credit file multiple times with no susses. i do not recognize this debt. and would like it removed-
Product: Debt collection

I sent this company a letter to validate a debt that I owed according to them. I sent the letter on XX/XX/XXXX I gave them 30 days to validate the debt but they never responded. Again I sent another letter on XXXX to let then know about the previous letter that I sent which they also did not responded. I never received anything from them no letter, nothing!! Under the ( FDCPA ), I have the right to request validation of the debt they say I owe. Normally they have 30 days to respond if not they have to stop the collections and delete it from my Credit Report and today is XX/XX/XXXX that's over 4 months. This is very unprofessional from their company and they are still affecting my Credit Report. I have all my letters and receipts In case I have to take this to small claims court, this is affecting me XXXX and I was very generous I waited this long. I am also contacting CFPB about this issue also.
Product: Checking or savings account

On XX/XX/XXXX, Bank of America closed my checking and saving account without any warning. I did not receive any email or phone call at the same time before they made this decision. This resulted in me still having about XXXX dollars in funds that I was not able to take. That money was used to pay my rent. I called customer service to inquire about this and all they said was that they would send me a check for the funds on my card. But the exact time is not informed either. I am an international student myself and now I don't have the money to pay my rent, and if I delay paying my rent any longer I may be forced to quit my rent.
Product: Student loan

I asked that the loans for The XXXX XXXX XXXX XXXX XXXX be discharged since the loans fall under the Borrowers Defense Group Discharge and to send any refunds due me. To which they vaguely responded back to me with no real answers. Only that they would be happy to assist me but didnt give any answers in assisting me with my questions. So how is that being happy to assist me. They gave me the phone number to Borrowers Defense if I had questions for them- which I do not.
Product: Credit reporting, credit repair services, or other personal consumer reports

As amended by Public Law 111-203, title X, 124 Stat. 2092 ( 2010 ) As a public service, the staff of the Federal Trade Commission ( FTC ) has prepared the following complete text of the Fair Debt Collection Practices Act 1692-1692p.

Please note that the format of the text differs in minor ways from the U.S. Code and Wests U.S. Code Annotated. For example, this version uses FDCPA section numbers in the headings. In addition, the relevant U.S. Code citation is included with each section heading. Although the staff has made every effort to transcribe the statutory material accurately, this compendium is intended as a convenience for the public and not a substitute for the text in the U.S. Code. 

for student loans : The defendants allegedly charged illegal upfront fees that they led consumers to believe went towards consumers ' student loans, and falsely promised that their services would permanently lower or even eliminate consumers ' loan payments or balance
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 15th XXXX 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, MD XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/2014 Reference # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX, Account : XXXX, XXXX XXXX XXXX, for {$610.00}, 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 an account without my written instructions. 
I do not owe this debt collector.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked Experian, XXXX, and XXXX to investigate the late pay and accounts that do not belong to me. According to them, they said the creditors verified the accounts and accuracy. I sent them all letters stating that the law gives me the option to request a Method of Verification and for it not to be e-Oscar or another electronic method. This will ensure the most accuracy for my credit profile. Experian said they do not have to honor request and will not provide their method of verification. XXXX and XXXX said they didn't know if they could do that. I feel they are not reporting accurate information about me. In addition, XXXX and XXXX will not allow me to view my credit report online from their webpage or from annual report. com This is very concerning to me because it appears to me these credit reporting agencies are hiding and preventing me from seeing information about me, which is preventing me from getting these errors corrected and/or removed. They failed to honor my legal request. 

What is even more perplexing is they all shared with me the debtor does not have to provide evidence the debt belongs to me, they merely accept their verification. I personally wrote a debt collectors asking for evidence and I have not heard from them regarding my request, which makes me questions what and how are they verifying this debt if they will not communication with me about a debt they claim is mine. If the debtor is unable or unwilling to provide me evidence that proves the debt, what and how are they providing to the credit agencies?
Product: Credit card or prepaid card

Reference code : XXXX XXXX was contacted around XX/XX/XXXX to dispute multiple transactions ALONG with another card what was opened without my knowledge. I had assumed the card was closed in good stadning as I was a reliable customer of theirs since around XX/XX/XXXX and had 0 late payments on my record with them. Upon further investigation of my credit report, it showed that american express had sent the card to collections. Around mid XX/XX/XXXX, I had called American Express in regards to this discrepancy and was told that a fraud investigation would commence without delay as long as I send a letter in writing stating my case. According to Amex, they initially closed this dispute because it was filed under " opened not on my behalf '' instead of " disputed transactions and use by someone other than myself. '' I had sent the letter to American Express Fraud  Services on XX/XX/XXXX. 

On XX/XX/XXXX I was sent a letter by Amex stating the investigation has been closed because not enough information was provided. The letter also stated they had tried to contact me multiple times however this was not true in the slightest. I am always open to communication and cooperation. Reference code : XXXX The card had not been used since XX/XX/XXXX however charges kept appearing.The card was in my possession so it must have been stolen in a more sophisticated manner. The charges were apparently never resolved and I had asked for the card to be closed multiple times.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE ACCOUNTS AND ADRESSES DOES NOT BELONG TO ME
Product: Credit card or prepaid card

I booked a flight for XXXX on XXXX  via XXXX on XX/XX/2019 with my Chase XXXX credit card. I checked my account later that day and saw that the booming had vanished. I called XXXX  and was told it had been cancelled by the airline. I then received an email from XXXX  that XXXX had cancelled the flight. When I didn't get a refund I filed a dispute with Chase for XXXX The claim was denied by Chase because XXXX claimed that I had cancelled the flight reservation on XX/XX/2019, well beyond the 24 hour free cancellation period. Indeed I did receive an email from XXXX on XXXX XXXX that the flight reservation had been cancelled. XXXX used this as proof that I, not them, had cancelled the flight. I faxed my proof to Chase that XXXX, not I, had cancelled the flight the same day the reservation had been made. XXXX then changed their story and admitted that the reservation had been cancelled the same day, I.e. XXXX XXXX, and not XXXX XXXX But now their claim was that I, not them, had cancelled the reservation. XXXX claimed they do not have to follow DOT regulations for flights booked through XXXX. I have sent multiple faxes and emails and made multiple phone calls to Chase and they refuse to do anything, not even to acknowledge the many commucations I have had with them and refuse to give me back my XXXX
Product: Credit card

have sent severals letters to creditor and credit reporting agency and havent receivied the information requested
Product: Money transfer, virtual currency, or money service

Good morning. t 's have been 5 days now and I'm having a problem withdrawing my funds. From XXXX XXXX, 2021 {$5500.00}. I have some recurring bills that I need to pay like my Home Mortgage, electricity, health insurance, car insurance and etc. I'm in dire of help to withdraw these funds from my account. Kindly please someone gets back to me and helps me on this matter. I just don't know why I'm having a hard time withdrawing these funds but funding my Coinbase Pro is so easy for you people to get that from my Online Banking! This is really outrageous and has red flags. COINBASE is a public traded company in the stock markets. And I asked this COINBASE Company ( coinbase.com ) to release these funds at the right time. Apparently, not willing to help me, and they always rerouting my calls to COINBASE Voicemail and it's pretty obvious Coinbase employees aren't helpful from the beginning.
Product: Student loan

Several months ago, I asked for the original loan documents for my student loans serviced by Navient. Navient responded by telling me that they would send the documents to my home address. To date, they have not done so. I have requested these documents multiple times, and have never been provided any proof that the original loan documents actually exist, the amounts of the loans I have taken out, the interest rates I agreed to pay, or any other details I am seeking. I do not understand why Navient can accept my payments every month with no issue but can provide no documentation of the terms, interest rates, or proof that the loans actually exist. I can not review Navient 's performance in servicing these loans if I can not see the original loan documents themselves. I feel this is an unfair and abusive practice, and I hope you investigate this matter under your UDAAP authority.
Product: Mortgage

Our mortgage company, Guaranteed Rate, made a premium payment of {$4600.00} to XXXX XXXX for homeowner 's insurance in XX/XX/XXXX in error ( see attached escrow statement ). They paid this premium for a policy that is not on a property on which they hold a mortgage. This policy is almost double in cost of what our actual policy is on the property that they hold a mortgage. The premium that they paid ( {$4600.00} ) is for the policy which we have on our primary residence, and we do not hold a mortgage with them for this property currently. The property on which they hold the mortgage is our vacation home. In short, they used our escrow money to pay a premium for a property that is not tied to this escrow account. 

I received a check from XXXX XXXX for {$4600.00}, as I had already paid the premium for our primary residence ( we do not have a mortgage on this home ). I had to call more than 15 times to get this error corrected beginning on the date that I realized that they paid the wrong premium. I was told that they did not have the declaration pages, which is not possible as we provided those at closing in XXXX of XXXX. 

After making the payment to the wrong company, on XXXX, Guaranteed Rate 's escrow department recalculated my escrow based on this erroneous premium ; resulting in my mortgage payment being increased by 40 % from {$1800.00} to {$2500.00} ( see attached monthly statement ). I received this notice in XX/XX/XXXX. 

I re-deposited the {$4600.00} back into my escrow account on XXXX, upon Guaranteed Rate 's direction. I called on XXXX to request that they recalculate my escrow, and they informed that they would do this immediately. As of XXXX, when I spoke to a supervisor, they still not had done the recalculation. 

The actual homeowner 's insurance premiums that will be due in XX/XX/XXXX are {$2600.00} in total, substantially less than the {$4600.00} that they used in their escrow recalculation. The increase in my mortgage payment is based on paying them back for last year and then the projected payment of {$4600.00} for next year ( both of which are incorrect ). 

I have spoken with multiple people, including supervisors, and they have told me that they can not adjust the new payment amount for a few months as that is their policy. Being that this is their error, I expected them to correct it immediately. I can not manage a 40 % increase in my mortgage payment due to their error and asked that they revert the payment amount to what it was until their error is rectified. That has not happened and the inflated payment is due XX/XX/XXXX I am asking for assistance in getting this matter resolved, so that my XXXX payment is what it should be based on accurate data. Currently, the payment amount is incorrect based on the egregious error that Guaranteed Rate made in paying a premium for a policy not held on the property for which they hold a mortgage currently.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX agreed to remove their account from my Credit Bureau reports. I discuss my account with XXXX several times in XXXX XXXXXXXX because of major discrepancies with my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have sent letters to the bureau for about three months now in the attachment below will have the receipts.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting the 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 have 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. It also states a consumer reporting agency can not furnish a account without my writing instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to place security freezes on all XXXX credit bureaus just yesterday. 
Experian was by far the most cumbersome if the XXXX. 
My identity was stolen by my estranged XXXX who can not seem to leave the fact that my given name was spelled making it very easy to steal my identity, and walk away as if I was the XXXX XXXX who abandoned our XXXX & the child support XXXX has never had to answer to the courts concerning. 
And, now that XXXX has done this once again, I do try to keep my credit from being tampered with before XXXX able to locate a XXXX way to keep me tied up fighting against collection companies that refuse to comprehend how easily it is for XXXX to pull these things, all due to the simple spelling of my first and middle name. 
Well, I just received an email back from no other than Experian, and I didnt need to read to far into the IMPORTANT INFORMATION reply to me in order for me to laugh and want to let those non-empathetic XXXX WHAT I HAVE BEEN TRYING TO EXPLAIN HOW XXXX  HAS DONE SO MUCH DAMAGE AND WITH SUCH EASE!! 
I have attached XXXX emails. 
The XXXX they sent to me, as well as my reply back to them about my entire point.
Product: Credit reporting or other personal consumer reports

Dear NCB, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and the Missouri Credit Reporting Act.

It has unequivocally come to my attention that NCB has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Missouri state law provides specific protections for consumers regarding credit reporting. These laws emphasize the necessity of consumer consent for credit reporting and establish clear guidelines for the fair reporting of consumer credit information.

I assert with unwavering certainty that I have not provided consent for NCB to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws.

I demand, with the utmost certainty, that NCB immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and the Missouri Credit Reporting Act. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting.

I anticipate your immediate attention to this matter and expect that NCB will promptly rectify these egregious violations, respecting my rights under federal and state laws.

Done in good faith.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has been not complying with 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 & without my knowledge, consent or authority. I provided them with documents which demonstrated this legal issue but they have ignored these documents. They claim they verified the account without providing me with any legal documents, contracts or verifiable proof they were opened by me. They are not adhering to section 605b by blocking or removing them from my report. Additionally they are violating sections 616 & 617 for willful noncompliance & negligence. I need this account blocked/removed from my credit file per FCRA. The account is as follow : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$2900.00}