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

I was currently XXXX  ( XXXX XXXX ) for a few years now and the checking account with XXXX is set up to pay all expenses for my daughter who decided to stay back in XXXX. We had two debit cards for the account and the one my daughter using is actively used but the other card was not in use at all. Recently my daughter has tried to buy a car and realized that there wasn't enough fund than what was expected to be there. After reviewing all the charges, there were more than 400 unauthorized transactions from XXXX, XXXX and unknown terminals. All unauthorized charges were made using the debit card that is not in use. We did not use the card at all and can't think of a way how the card information was released. The total fraud amount was {$14000.00} over 400 fraud transactions. A case is opened with XXXX but the initial assessment they are giving to us is that they are responsible for the frauds within 60 days and which is equivalent to {$16.00} dollars. I have been out of the country and trusted the bank system in US. It is a devastating situation if the bank can't honor the amount lost due to the frauds.
Product: Debt collection

I am XXXX XXXX the consumer defined in Truth in Lending Act as a natural person, not a dead corporation. FIFTH THIRD BANK has violated numerous consumer right violations. I XXXX XXXX recently sent a cease and desist certified mail and I will attached the receipt and return receipt. They still contacted me through mediums like USPS which is a violation of the FDCPA of my cease and desist and mail fraud. I entered in a consumer credit transaction with XXXX XXXX XXXX XXXX on XX/XX/2021. The attached documents will show you that I was charged a finance charge of {$8900.00} which is the sum of all charges. So I shouldn't be responsible for paying on anything other than a finance charge. Truth and lending never define what a loan is so why is XXXX XXXX XXXX sending me bill of costs with positive balances saying I should pay them for a loan which is also misleading information. A loan is the obligation of the United States of America. I do not pay on positive balances. A debt collector defined in FDCPA means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. FDCPA states that debt collectors  can not acquire consumers location without the consumer consent. I never gave XXXX XXXX my information. I gave it to XXXX XXXX TX, XXXX and not XXXX XXXX XXXX. XXXX XXXX XXXX also violated my consumer rights under FDCPA by trying to threat me to make payment or they will take my property. XXXX XXXX XXXX said they are not governed by the FDCPA which is false and misleading information which can result in FIFTH THIRD BANK Being Liable for damages. FIFTH THIRD BANK sending documents saying they will seizure, garnishment, attachment, or sale of any property is a FDCPA Violation that results in my remedy. FIFTH THIRD BANK sent me coupon book. Defined in Truth in Lending Act 15 U.S. Code 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. My debt should be paid by my coupon books. FIFTH THIRD BANK also reported negative and misleading information on my consumer report after I send a cease and desist order.
Product: Debt collection

I'm filing this complaint against EOS CCA for not providing proper and timely proof of validation of debt-based upon the FCRA. I asked for this on XX/XX/2022 and have yet to receive that proof. I'd like to document this complaint as inaccurate and without valid proof. 

Thank you, XXXX XXXX
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 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 XXXX financial loss, and I seek appropriate redress for these violations. They closed my account with no explanation, realized someone was scamming my account trying to withdrawal multiple transactions and I tried to get it activated, an understanding, and stop the fraudulent and couldnt get in contact with anyone. Leaving money in my account with no refund.
Product: Debt collection

On XXXX of XXXX  I want to urgent care. I received a bill from XXXX XXXX in the amount of XXXX because I didnt meet my deductible. I filed an appeal with my insurance because of the bill and the no surprise bill act. The company XXXX XXXX took test for things I didnt came there for, now the company sent my personal information to a collection company called Receivables Management Systems who is now charging me daily interest and added a fee of XXXX to my bill and told me if I pay XXXX XXXX I still have to pay the fees and the daily interest. 

Federal law considers the sale of medical debt an ECA and requires nonprofit hospitals to follow certain notice and waiting requirements before initiating the sale. Section 501 ( r ) ( 6 ) requires a hospital organization to make reasonable efforts to determine whether an individual is eligible for assistance under the hospital organizations financial assistance policy ( FAP ) before engaging in extraordinary collection actions ( ECAs ) against that individual. XXXX XXXX did not do the above before placing my account in collection with a company who is trying to get more money for bill tht was only {$170.00}.
Product: Vehicle loan or lease

Approximately a year ago I returned my lease and payed my additional prescribed settlement fees that wee imposed by the dealer. Received my settlement paperwork and a few months went by I started to receive paperwork from us bank that I owed more money. I called the car dealer and my salesman informed me that a mistake was made on there end. I called us bank and a representative informed me that these accounting eras happen often now I requested a breakdown of the fee to pay and us bank will only send me my original contract with no identifying cover letter. No transparency has been offered from XXXX XXXX in XXXX Nj or US Bank
Product: Student loan

Hello, Thank you for reading this complaint. I started paying on my student loans back in XXXX at the time I excited college I was able to lock the loans into 20 year loans. My payments have stayed the same over the years. From XX/XX/XXXXthrough XXXX I went back to school and the loans went into deferment ( automatically ) and I paid interest only on these loans. After graduating I started paying in full again and I assumed I would add two or three years onto my loans and continue paying the terms were I left off. 

The last few years I have been noticing that I have not benign paying down as much as I though I would be since I would be almost halfway paying off the loans. I started doing some math and Navient changed the terms of my loans from 20 to 30 years. Though I have been paying the same payments ( set on auto schedule ). 

I have called Navient several times and get a very limited response most of the time Navient hangs up on me when I press of answers. From what I can figure out there was some error somewhere and they switched my loans to 30 years and I have been paying extra interest vs paying into principle. I can figure this change happened from XXXX XXXX transferred my loans to Navient. 

This is very enthical and I hope illegal. I can not seem to prove this to Navient and I need some help because it is to the point where I should be seeing the light at the end of the tunnel for student loans vs 18 more years to go.
Product: Debt collection

On XX/XX/2019 Midwest Recovery Systems XXXX opened an account that has my current balance at {$220.00}. I have no clue who this collector is, nor have never received any mail notification. I tried calling and they had an automated system. I assume I have been scammed. 

On XX/XX/2019 XXXX  opened an account that has my current balance at {$160.00}. I have no clue who this collector is, nor have never received any mail notification. I tried calling and they had an automated system. I assume I have been scammed.
Product: Debt collection

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Identity Theft Report Account Fraud XXXX Dear XXXX XXXX XXXX XXXX XXXX, I am writing to inform you that I am a victim of identity theft, and I believe that an unauthorized account has been opened in my name. I did not authorize or apply for this account, and I suspect that my personal information has been used fraudulently. 
Account Information : Name on Account : XXXX XXXX XXXX XXXX Account Number : XXXX Date of Unauthorized Activity : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNT NUMBER : XXX DATE OF UNAUTHORIZED ACTIVITY : XX/XX/XXXX NAME ON ACOUNT : XXXX XXXX XXXX XXXX XXXX NUMBER : XXXX DATE OF UNAUTORIZED ACTIVITY : XXXX NAME ON ACCOUNT : XXXX XXXX XXXX DATE XXXX UNAUTHORIZED ACTIVITY : XX/XX/XXXX NAME ON ACCOUNT : XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX DATE OF UNAUTHORIZED ACTIVITY XX/XX/XXXX I request that you immediately investigate this matter, freeze the account, and take the following actions : XXXX. Close or freeze the account to prevent further unauthorized activity. 
XXXX. Remove any negative information related to this account from my credit report. 
XXXX. POLICE REPORT NUMBER : XXXX In addition, I have filed a report with the Federal Trade Commission ( FTC ) about this identity theft incident, and I am including a copy of the FTC Identity Theft Report for your records. You can verify this report using the information below. 
FTC Identity Theft Report Details : FTC Report Number : FTC Report XXXX Date Report Filed : Date XXXX If you require additional information or documentation to assist in the investigation, please contact me at AT THE ADDRESS ABOVE. 
Thank you for your prompt attention to this matter. I look forward to your timely response and assistance in resolving this issue. 
Sincerely, XXXX XXXX
Product: Checking or savings account

I have not received any of my XXXX  payments or back pay and I can not access my XXXX   account with money in it
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX trans union and XXXX have not been completely moving old accounts from my credit report and even ones I submitted on there website stating those things werent mine but never got responses and I want them removed immediately and automatically because its a brand new year and I submitted and complained last year to only still have those things on my report something I dont recognize on my report as well
Product: Credit reporting, credit repair services, or other personal consumer reports

this account belong to XXXX they claim a medical bill that went i contact the original creditor said the i dont have any balance them i contact XXXX for them to what the been reported to the credit witch is a bill for {$960.00} and they cant provide me that beside that all my medical bill and medical expenses are been cover by my XXXX and my medicaid insure since i been declared XXXX since 2016 please help me resolve this wrong issue with this people who are been reporting and affecting my credit with something that is not true thank you
Product: Credit reporting or other personal consumer reports

Inaccurate accounts suddenly appeared on my credit report today, and Im completely lost as to why. Ive always monitored my credit report, and nothing like this has ever happened before. I tried refreshing my browser, thinking it was a mistake, but it wasnt. The errors stayed. Please go over my documents thoroughlythis is causing me so much worry, and I just want it resolved for good.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA Violation : name and address not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX FCRA violation : auto loan not mine XXXX XXXX {$200.00} FCRA Violation : credit card not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violation : other loan not mine XXXX XXXX XXXXXXXX {$1000.00} XXXX XXXX XXXX {$850.00} XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation : hard enquiries not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX FCRA Violation : collections not mine XXXX {$690.00} XXXX {$960.00} XXXX XXXX XXXX {$1400.00} XXXX XXXX {$1300.00} ENHANCED XXXX XXXX {$430.00} XXXX XXXX XXXX {$3400.00} XXXX XXXX  {$820.00} XXXX XXXX LA {$64.00} XXXX XXXX XXXX {$590.00}
Product: Credit card or prepaid card

I applied for the American Express Blue Cash Everyday Credit Card after doing extensive research on the balance transfer options both on XXXX  and by reading the terms and conditions and card holder agreements on the American Express website ( https : XXXX ). All websites stated that there was a 3 % fee for all balance transfers from non American Express or affiliated institutions within the first 60 days of opening the account. It was not until after I was approved and accepted the agreement that I was then notified that the American Express Blue Cash Everyday Credit Card does not offer a balance transfer amount higher than {$5000.00} despite the credit limit offered being substantially higher. I feel the practice of not disclosing the balance transfer limit regardless of available credit is deceiving. I have called the institution to discuss my concern and was informed that this card does not offer a higher balance transfer option and that it was supposedly disclosed within the terms and conditions on the website. I once again reviewed all documentation and there is no discussion or mention of this limit. This would have impacted my decision in selecting American Express and I would have gone with another card option with a higher balance transfer limit. I am now put into a position where I am not able to transfer the balance initially intended and in order to seek out another card option I will either have to replace the American Express card or supplement the balance transfer which would require a second hard inquiry on my credit score bringing my overall credit rating down, effecting my creditworthiness for an unspecified amount of time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX : To XXXX : From XXXX until XX/XX/XXXX, you reported my mortgage account status as Bank Adjustment/Deed-in-Lieu/Bank Liquidation. My account has NEVER been in this status. If so, PROVIDE ME THE PROOF. I demand that you remove EVERY SINGLE ONE of these ERRONEOUS, INACCURATE & KNOWINGLY UNTRUE Statuses from my ENTIRE credit files. 

To XXXX XXXX XXXX XXXX ( XXXX ) : Acct # XXXX. XXXX was ORDERED by the CFPB to transfer my mortgage account to you, due to them PREVENTING me from being approved for a MODIFICATION. XXXX was also ORDERED by the CFPB to CEASE & DESIST ALL FORECLOSURE PROCEEDINGS. 
We were in court proceedings to agree on a MODIFICATION, NOT A FORECLOSURE and certainly NOT a Bank Adjustment/Deed-in-Lieu/Bank Liquidation . Then in XXXX the courts shut down. I am currently & INDEFINITELY protected under the Mortgage Moratorium. 
You were NEVER PERMITTED to proceed with ANY foreclosure proceedings. 

From XXXX until XX/XX/XXXX, you, XXXX have reported my mortgage account status as Bank Adjustment/ Deed-in-Lieu/Bank Liquidation . My account has NEVER been in this status. If so, PROVIDE ME THE PROOF. 
XX/XX/XXXX, you ALSO reported my account status as XXXX. MY ACCOUNT IS NOT CLOSED. IT HAS NEVER BEEN CLOSED. If so, PROVIDE ME PROOF. I NEED the Document & Exact Date of Closure. 
I demand that you remove EVERY SINGLE ONE of these ERRONEOUS, INACCURATE & KNOWINGLY UNTRUE statuses from my ENTIRE credit files. 
XXXX & XXXX, you both have a LEGAL responsibility bound by the FRCA to report Accurately, Fair & True information to my credit file. Anything on the contrary is a VIOLATION of the Federal Laws and my consumer rights.
Product: Checking or savings account

I made two participant contributions to my HSA account with Optum Financial through my employer in XXXX. XXXX on XX/XX/XXXX for {$3600.00} and one on XX/XX/XXXX for {$3600.00}. 

On XX/XX/XXXX I checked the transactions/balance on my Optum Financial account and noticed an HSA Contribution Reversal had been made on XX/XX/XXXX for {$3600.00}. I had not requested this reversal and received no notification about it. I checked with my employer who confirmed they did not request this reversal. My employer did not receive this reversal of funds back into their bank account. 

I called Optum Financial on XX/XX/XXXX to find out what happened. The rep I spoke with confirmed that he could see the reversal had occurred but could not give me any information as to why the reversal had occurred or where the money was. He created a claim with their Research department to investigate this reversal and have it re-issued back into my account. I told him I wanted to know where the request came from and where the funds went. The only insight he could give me was that there was a major website upgrade in XXXX and that maybe an error/glitch occurred in their system. 

On XX/XX/XXXX, I received an email from Optum advising me that all actions were completed on my case opened on XX/XX/XXXX. No further information was provided. My account did show a credit for an HSA Contribution of {$3600.00}. With no further information provided, I still had no idea why or how this happened without authorization or notification to me or my employer. 

I called Optum again that same day ( XX/XX/XXXX ) and spoke with another rep. After explaining the situation, I asked her to provide a tracker for the transaction. She said she didnt have one because the case file only had a note indicating a duplicate transaction. I asked her where the money had gone. She replied that information was not present. I asked her where the authorization or request came from to reverse the contribution. Again, she replied that information was not present. I told her that the transactions in XXXX were on different dates. She confirmed that was also what she saw. I asked her where the duplicate transaction conclusion came from. She replied she had no way of knowing. I asked her to transfer me to the Research department. Her reply was that there was no way to reach them by phone and since the case was marked as closed, she didnt have a way to contact them about the case. The only solution she was able to provide was to open another case referencing the previous one with a note asking that I be contacted and given the missing information. As of XX/XX/XXXX, I have not received a call or an email with any additional information. 

It is troublesome that money in my account disappeared. It wasnt until I caught their error that Optum Financial fixed it. It is even more troublesome that they can not or will not provide an explanation as to why this occurred without authorization from my employer or myself and without any form of notification that a reversal had occurred.
Product: Debt collection

I have provided documentation to citizens bank that a charge from my credit card was false. Despite several conversations with the dispute department where they acknowledged the receipt of the documentation, they failed to respond in writing and failed to resolve this issue in their allowed time.     I filed a complaint and was contacted on  XX/XX/XXXX    by  XXXX   XXXX  of citizens bank who told me he would investigate this matter and " make me whole '' Since this call I have received numerous calls from citizens ' bank dunning me for a minimum payment. I explained the situation to the first collection person and gave them  XXXX  's phone number.     This did noting as I have received several more human and robo dunning calls.     I have left several messages on  XXXX  voice mail telling him that I am being dunned and he has not returned any of my calls.     I think that such collection calls and the failure of Citizens to resolve this issue as mandated are clear violations of consumer law.
Product: Debt collection

I have a collection from the freedom acceptance/military credit for XXXX that appears on my credit report stating I'm delinquent from XXXX. I have not served in the military since XXXX ( has XXXX ). I have not purchased anything from this company that year. I did purchase items from them back in XXXX but it was not XXXX worth of merchandise. It has been XXXX  years since then but it shows that this was recently purchased. I have reached out to XXXX and XXXX via email with no response requesting for any information proving the validation of the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Reporting act XXXX acct # ending XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX ) XXXX has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. This creditor has reported to XXXX XXXX and Equifax
Product: Vehicle loan or lease

XXXX XXXX XXXX and their agents XXXX account representative, and account supervisor XXXX, XXXX end of lease team ext XXXX ) reprocessed lease vehicle that was not at the end of it's lease, I have establish contact with these representatives and informed them of my intentions to resolved pass due balance before the end of the lease terms, but because of covid-19 impact i was not able to follow through with the payment on the day i have promise, my attentions were to pay on Monday XX/XX/2021, without knowing they reprocessed the vehicle before lease term ended. In the interim i have establish finance to purchase vehicle, however because of Account representatives presumptuous ambitious and reckless decision which have cause irreparable harm that impacted my time lost on job for not having transportation, public embarrassment, abruptly ended the lease before term concluded, not considering covid 19 hardship that have restricted my family finances and refusing to take key fobs after car was reprocessed this will intern cost more money on the finale bill, prematurely precluded me from purchasing the vehicle.