23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

On Thursday XXXX XXXX, 2016 I tried to perform a transaction using my check from Suntrust Bank, my transaction was declined. I contacted Suntrust via telephone immediately to find out why and i was told my account had been closed, when I asked for the reason why, I was told it was per their upper management. I mentioned that I had not been contacted informing me of the closure, they said a letter had been mailed out the day before and that I would received the money from my account in 2 weeks. Today XXXX XXXX, 2016, I received a notification informing me that my account was over drafted by {$4.00}. I contacted them and explained that since I was given no warning about the impending closure of my account before it happened that it was something that did not clear until after they had closed my account and removed the money therefore I should not be responsible for it. I was told I still had to pay it or face an overdraft fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent ITEMS in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$940.00} XXXX XXXX XXXX Balance : {$37000.00} XXXX XXXX XXXX Balance : {$180.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3300.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$170.00XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$170.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX OF XXXX ) XXXX Balance : {$96.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card or prepaid card

On XX/XX/XXXX I received a text from Citibank questioning authorization on a transaction. I thought it was a phishing scam and ignored it. I later checked my email and saw they emailed me too about an unauthorized purchase for {$1000.00}. I called them immediately to let them know it was not me. They told the purchase was approved but a second purchase for a higher amount was declined. I answered all their questions. I thought I had my citibank card but when I checked my pocket book it was gone. I didn't realize this until I was on the phone with them. My kids are authorized users and we were all together when this incident occured so I know they did not use the card. From speaking to the Fraud Dept, this purchase was made in XXXX Maine. We live in XXXX, NY and were in XXXX when this happened. I did not make this purchase, my XXXX sons who are authorized users did not make this purchase. It was done without my consent and authorization from someone who has my card. I am a victim of fraud and identify theft. I explained this to Citibank multiple times as I am disputing this fradulant charge and they are holding me responsible to pay back {$1000.00}. This is a matter of fraud. I am the victim and I should not have to pay for something I did not authorized. I was not even in the state where the purchase was made. I have been very compliant with Citibank answering all there questions. Today I get a letter that the case been closed and I am responsible for the charges. This is not right. I am a victim of fraud and identifty theft and I have to pay it back. This case was not been handled well. I want to be released of these fraudulent charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

Toyota financial services ( TFS ) reported wrong information on my credit report stating I had a late payment for 30 days. I have never got any letter, call or communication from them stating I am behind in payments. I always made my payments on time and was really surprised or stressed seeing this wrongful information in my credit reports. I contacted Toyota financial telling them to check their information and delete this wrong report but they stated they are unable to do anything about it. I am a responsible U.S. resident who works and pays his bills and taxes on time. This fact made me stressed and I want the Government Agencies to help me to overcome this hard situation and clean my report from these mistakes and make my life better. Thank you for your support and understanding.
Product: Credit card

I was promised a XXXX signing bonus points which is worth {$400.00} in cash when I applied Wellsfargo XXXX XXXX XXXX on XXXX XXXX 2015. The Letter came with the card arrived said I would get points posts to my account XXXX billing periods the date after {$3000.00} qualifing net purchase posted. I made my {$3000.00} spending in XXXX and today XXXX/XXXX/2015 XXXX billing periods after still no sign of my bonus points. I have called every month a few days after each closing date, and got same answer XXXX billing periods after 3 month spending period ' which is different from it stated on the letter. Every time I called I had to speak to XXXX representatives and repeated the same story over and over. Call center CSR had no authotity to offer any help and said just wait or write to executive office. I am done with waiting, here is my complain!
Product: Credit reporting or other personal consumer reports

I have requested that in three different occasions that each credit bureau XXXX, Experian, and XXXX provided me with Original Level documentation from the Original creditors about the accounts reported. Neither the Credit bureaus nor XXXX XXXX XXXX were able to provide any evidence of account ownership from me, nor signed contracts where I owe XXXX XXXX XXXX any amounts at all. Hence another account was disputed because even XXXX was not able to produce such documentation.
Product: Mortgage

I was struggling before COVID due to multiple hurricanes affecting my property and was applying for assistance then COVID came and I was put on the COVID forbearance for 18 months. I accepted the forbearance with the assurance that no one would have to pay all the payments at one time but the bank would work with us to put the payments in the loan so we can resume making payments.

After the COVID forbearance ended on XX/XX/XXXX Bank of America refused to review my loan for loss mitigation assistance. I escalated the issue countless times and no one could explain why Bank of America would not review me. The CFPB guidelines that went in into effect XX/XX/XXXX clearly stated all mortgage companies had to review for assistance before starting foreclosure on a homeowner after the COVID forbearance. Bank of America did not do this but referred me to foreclosure without doing a review as the guidelines stated On XX/XX/XXXX I spoke to customer service who said there was no foreclosure but yet at the same time I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( who is Bank of America 's foreclosure attorney ) stating I was referred to foreclosure on a letter dated XX/XX/XXXX. I called on XX/XX/XXXX and went to escalations who then said a foreclosure sale had been held and I had to contact the attorney to " redeem '' my property. I spoke to the foreclosure attorney on XX/XX/XXXX and they adamantly said they did NOT foreclose on my property on XX/XX/XXXX but I should talk to bank of america. 

I was in a death loop where Bank of America was saying I had to speak with the XXXX XXXX attorney to redeem my home and the XXXX XXXX attorney was saying I had to speak with Bank of america?? 

On XX/XX/XXXX I escalated at Bank of America again and reached another escalation agent who this time said there was NO foreclosure sale and reached out to level 2 foreclosure at Bank of America who confirmed the same that there was NO foreclosure sale date. 

I speak to Bank of America again on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX each time receiving conflicting information about the foreclosure sale I would not have accepted the COVID forbearance for 18 months had Bank of America said there would be NO loss mitigation review and I would have to completely reinstate my loan
Product: Vehicle loan or lease

I have emailed and called to get my balance settled I m told a manager would reach out Supposedly they called but I dont have a voicemail or email from them. 

I have been trying for month and a half and they wont settle. 

They dont give me an option. 

Also last week they stopped me from calling in my account was blocked.. its only around XXXX and Im willing to settle for less as Im going through hardship. 

This vehicle purchase was already tricky I was sold warranties and insurance by the dealer without full acknowledgment as I traveled to pick up the car.. while we were disputing the balance and correcting the finances I had my car repoed as well. 

The dealer didnt send my title and paperwork for 2 months it was nightmare. 

Know I would like to settle. 

Credit acceptance
Product: Mortgage

The previous servicer ( Homestar XXXX XXXX XXXX XXXX XXXX XXXX received a wire for {$49000.00} on XX/XX/XXXX. My loan was transferred to another company on XX/XX/XXXX, the funds did not transfer with the loan. I have bee trying to get Homestar to send the funds to the new company for almost 2 months now. I called the Homestar today, XX/XX/XXXX, now they are telling me they still have not wired the funds when multiple managers assure the funds had already been sent to new company. ( stated they wired your company the {$49000.00} that was received by them. Below is the bogus wire info from there rep. XXXX XXXX XXXX XXXX XXXX XXXXXXXX I need these funds posted to my loan. None of my funds need to be applied the inspection and FC fees, its not valid and you all and the previous company are investigating. The funds will bring my loan current plus payment for XXXX future months, use funds to cover my escrow shortage, then place remaining funds in unapplied.

In additional, Homestar  has legal fees and inspection fees when I was on the XXXX, then tried to get mod sent with updated dates. I was protected by the Cares Act, there is no reason my loan should have gone into foreclosure, I kept constant contact.

You all need to do your job and reach out to Homestar. You both have me playing the middle guy when yall need to communicate. WHERE IS THE {$49000.00}?!?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX who is submitting this CFPB complaint myself. This item is reporting late, yet it is closed and the balance is zero as reported in Transunion. Lets correct this immediately. Transunion is required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( XXXX XXXX  XXXX XXXX )
Product: Debt collection

I keep getting letters from a debt collector by the name of XXXX XXXX ... Something along those lines and they are trying to collect debt that does not belong to me at all. I need this problem resolved and taken off. It's showing that i owe around {$6000.00} to them in three separate accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I log into my credit reports to dispute incorrect information and site told me to call company. 
when I call in to company to correct with live agent I was transferred numerous times or told me to call another number different from the one on their web site. 
go on till lose connection playing a stupid game on consumer
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention the discrepancies in my credit reports regarding late payments. Specifically, the payment information across all three credit bureausXXXX, XXXX, and XXXX inaccuracies. For instance, XXXX indicates that my XXXX payment was not made, while XXXX shows that it was paid, along with additional payments made ahead of schedule. 

I have contacted the company multiple times to request the removal of these late payments, as I was participating in the XXXX XXXX XXXX XXXXXXXX through my mortgage company. Once the assistance was provided, the program made payments not only to bring my mortgage current but also to pay ahead through XXXX, which is not reflected in any of the credit reports. 

Additionally, I submitted a XXXX letter requesting the deletion of these late payments, but I received a response stating that company policy does not allow for such action. After conducting further research, I have reason to believe this response is incorrect. Furthermore, I would like to highlight that my mortgage was sold to a new lender in XXXX, yet the previous company continues to report this inaccurate information. 

I would also like to draw your attention to the requirements under 15 U.S.C. 1681s-2 ( a ) ( 7 ), which pertains to the Notice of Negative Information . This statute mandates that a lender must provide notice to the consumer when negative information is reported to a credit reporting agency. Given the inaccuracies in my reports regarding late payments, it is crucial to determine whether the reporting company has adhered to this requirement, as the failure to provide proper notice may further support my case for correcting the erroneous information on my credit reports. 

I kindly request your assistance in resolving these discrepancies to ensure that my credit report accurately reflects my payment history and complies with the requirements set forth in the FCRA. Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the accounts below from my reportXXXXXXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened XXXX. XXXX, XXXX Balance : {$7900.00}, XXXX XXXX XXXX XXXX Date Opened XXXX. XXXX, XXXX Balance : {$3000.00}
Product: Vehicle loan or lease

I bought the XXXX XXXX XXXX from US Auto Sales which went bankrupt and sold their accounts to Westlake Portfolio. My vehicle was repossessed and I paid the repossession amount of {$2000.00} on Monday XX/XX/XXXX. I was told by Westlake it takes 24-48 hours for the release. They still have not released my vehicle. Also US Auto Sales overcharged me on the vehicle and they did not inform me that they were going bankrupt and the account would be sold
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on XXXX of 2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed accounts with the credit company on XX/XX/2018,XX/XX/2018/,XX/XX/2018,XX/XX/2018 and reporting agencies XXXX, Experian, XXXX, they fail to verify the accounts under the FCRA SECTION 609 ( a ) ( 1 ) ( A ) & section 611 ( a ) ( 1 ) ( A ) also 611 ( 5 ) ( A ).
Product: Checking or savings account

I been a member since XXXX  and I need all my over draft fees refunded on my checking savings and loan account with Navy Federal Credit Union
Product: Debt collection

My ex that lived with me 9 years apparently opened a credit card in my name & told them it wasnt mine, they sent a notice to my address to sue me for {$2700.00}.
Product: Debt collection

I have tried disputing on XX/XX/2020. 
I've never done any business with them. 
I don't owe these companies. 
I've never signed a contract with them.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app also know as block , inc for inadequate customer service and practices and action the violate my consumer financial protection rights. Cash did not take timely effort to protect my funds from fraud on their platform which my account was left vulnerable and unprotected to the point I have seek was of getting new information. Cash app does not provide refunds when funds were taken. Their dispute processing was unfair and somewhat deceptive as they didnt full comply with the error resolution requirements under the electronic transfer act and regulation E.this was an inconvenience, as well as frustrating as the money could not be refunded after it should not have been taken causing some financial loss. I would like to seek redress for mentioned violation it even got to the point the I had to seek different account/card information
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 Bank # 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
Product: Checking or savings account

For the past three years I have been trying to close two old bank accounts that were left to me by my mother one is a bank cd and the other is a savings account. I had received a letter from the XXXX XXXX that they were merging with Berkshire Bank but not knowing what it was for I threw it away then when my mother passed I found the books with both our names on them saying either or When I went to Berkshire Bank to claim the money they said they could not find the accounts For the past three years they have been giving me the runaround saying they placed the money with the XXXX of Ct of which there is no record I called the main branch but never received a call back It is a small amount but what if it were a large amount the bank must be accountable My bank XXXXXXXX XXXX  said there must be documentation somewhere of what happened to the money. thank you XXXX XXXX
Product: Debt collection

My parents house has been called constantly from XXXX XXXX for collection of my credit card bills. I am not registered at their home address, nor do I live there and I do not share a phone # with them. My mom does not speak english as a first language but has told them, I do not live there and stop calling. She is STILL receiving repeated calls from XXXX XXXX to collect my debt. I need this to stop now. I have more than one account. I hope they can apply to all my credit cards through this bank. 

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

XX/XX/XXXXis not reporting that I have a revolving installment secured XXXX Visa. I want this problem corrected so that my credit score will reflect as much.
Product: Money transfer, virtual currency, or money service

While I was using zelle and you put the information in the system of the person that you want to send money to it automatically will send the money without giving you an option to make sure that you have the right person and then when you contact them and ask them what needs to be done to get your money back and they tell you that there's nothing that they can do. No I understand why the company do things the way they do because they just know they can distance themselves and we just going to be out of luck
Product: Credit card

On XX/XX/year>, I was contacted by a debt collector attempting to collect on a debt that appears to have been sold and for which they have provided no proof of ownership or validation. Despite my requests for documentation substantiating their claim, including proof of the original creditor and a chain of title demonstrating their authority to collect, they have failed to produce any evidence. This raises concerns about the legitimacy of their claim and their compliance with the Fair Debt Collection Practices Act ( FDCPA ).
Product: Money transfer, virtual currency, or money service

On XX/XX/2020, I sold a bike using XXXX XXXX. 
The buyer come to my house, picked up the bike, and paid me {$130.00} via PayPal. 
After the transaction was complete, and the seller left, I realized PayPal had placed a " mandatory '' 21 hold on the {$130.00}, to " allow for shipment ''. 
But I do not now, nor have I ever, shipped items to anyone. 
I reached out to customer service, and after going in circles with their automated online assistant. A live customer service agent told me that I would need to contact the seller and have them log into their account and let PayPal know that the item had been received for them to release the funds to me. 
I reached out to the buyer, but they are unable to log into their PayPal account. 
So PayPal has my funds frozen, and unavailable to me. I do not understand how this is legal. They've imposed an unreasonable rule and are illegal withholding my money. 
Please help. I do not own a business, or have any resources to fight this. I need the CFPB to help me.
Product: Debt collection

Discovercard has sent a letter threatening legal action with a deadline to respond to the threat of legal action. The deadline to respond is several days previous to the date the letter was generated, ( the letter shows the date it was generated ) and sent to myself via Priority Mail. I did not recieved the letter in the mail until 2 full weeks past the deadline in which they are threatening legal action against me. So I could have never responded to their deadline in the time they specify to avoid their legal action, and furthermore they generated the letter to inform me of legal action against me after a certain date, and literally didn't even create the letter and/or inform me of the deadline until after the deadline was already past.