23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX unverified / invalidated Account doesnt belong to me have no knowledge. 
XXXXXXXX XXXX XXXX XXXXXXXX UNVERIFIED/UNVALIDATED Account doesnt belong to me have no knowledge. 
XXXX XXXX XXXX XXXXXXXX UNVERIFIED/UNVALIDATED Account doesnt belong to me have no knowledge XXXX XXXX XXXX XXXX UNVERIFIED/UNVALIDATED Account doesnt belong to me have no knowledge XXXX XXXX XXXX XXXX UNVERIFIED/UNVALIDATED Account doesnt belong to me have no knowledge XXXX XXXX XXXX XXXX UNVERIFIED/UNVALIDATED Account doesnt belong to me have no knowledge XXXX XXXX UNVERIFIED/UNCALIDATED Account doesnt belong to me have no knowledge XXXX XXXX XXXX XXXX  UNVERIFIED/ UNVALIDATED Account doesnt belong to me have no knowledge XXXX XXXX XXXX XXXX UNVERIFIED/UNCALIDATED Account doesnt belong to me have no knowledge XXXX XXXX XXXX XXXXXXXX UNVERIFIED/UNCALIDATED Account doesnt belong to me have no knowledge XXXX XXXX XXXX Original creditors : XXXX XXXX XXXX UNVERIFIED/UNCALIDATED Account doesnt belong to me have no knowledge XXXX XXXX XXXX Original creditors : XXXX XXXX XXXX UNVERIFIED/UNCALIDATED Account XXXX XXXX to me have XXXX XXXX XXXX  Original creditors : XXXX XXXX XXXX XXXX XXXX XXXX UNVERIFIED/UNCALIDATED Account doesnt belong to me have no knowledge
Product: Debt collection

Sallie Mae, took a scheduled payment out on the wrong day, I called and let them know. They looked back to the phone call where I scheduled the payment initially. They acknowleged they were in the wrong. Refunded me my payment ( which took over a month to get back as a check in mail ) Then apologized and said they 'd make a " case '' with customer service to bring my account up to date and just move forward with my auto debit payments. 4 Months later I start recieving multiple phone calls a day collecting for the payment they assured would be resolved. 
I told them to look at their contact records and notes on my account. Surely they 'd see that they told me theyd resolve the issue. The costumer service rep agreed that theyd told me prior that theyd attempt to fix the issue but that it wasnt guarantied. I was upset and told them I wasnt going to pay 4 months later for their mistake and that they can continue to auto debit from my account. Now one of my loans shows past due each month because of that payment. Now theyre calling my cosigner ( Grandparents ) every hour on the hour 7 days a week till late in the evening. It 's borderline harassment.
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and notice i had fraudulent accounts on my report. Please remove these accounts from my report as they are hurting my ability to obtain credit. and due to that i cant not get a car to go to work or even rent a good place for me to stay and thats really hurting my ability to help my family or myself. Like right now if it wasn't for my girlfriend i would probably be sleeping outside. and I had reach out multiple times just to get sent around. Please help me take these information out of my report as I can't even keep a job cause no transportation. and I do have a Policy report from when I lost my documents the case number is XXXX from XXXX XXXX police department and also if you need to Contact me please Contact me via email XXXX XXXX as I don't have a physical address right now due to all this. I put a picture of my XXXX XXXX and my tax return from 2023 you can us USCIS to verify my identity if needed thank you
Product: Credit card or prepaid card

Hello, I have been banking with Bank of America for years when I decided to open a credit card with them in XXXX of XXXX. As you can see with the attachments below, I was on-time for every single payment, not ONE payment was made late in the six years that I banked with them. 

However, when I decided to pay off my debt ( this year ) because of all the uncertainty this nation has faced with the pandemic, my account was immediately closed by the credit grantors. In several attempts to re-open my credit line with BOA, I was rejected and this lead to the decrease in my once healthy credit score. 

I was an exceptional, on-time credit banker for years and to be taken advantage of in such a manner is not only harmful, but unacceptable. I am appalled and would like for my account to be immediately reinstated. As you all know, this has vanished 6 years and 5 months of perfectly good credit from my record and is completely damaging to me. I had full intentions of using my credit card ( specifically during this time of crisis ) and was not able to once I paid off my debt. This is the difference between me being able to sleep safely at night and me being homeless. This is a serious matter and I need it to be resolved as soon as possible.
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 an address fraud on their platform leaving my account vulnerable and unprotected. 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 financial loss and I seek appropriate redress for these violations.
Product: Mortgage

The mortgage service company Bayview Loan Servicing LLC that currently services my mortgage has and is collecting more escrow each month than is necessary. They also have an excess balance in my escrow account that they should refund to us. This issue began with a reduction in our property tax of {$3700.00}. On XXXX XXXX, I sent a letter to Bayview with a copy of the tax bill ( attached ) showing the reduced payment of {$3700.00}, but Bayview had already paid the full amount of the tax {$7400.00}. In addition to the refund Bayview did not decrease the amount of the monthly escrow impound, which added to the excess in our escrow account. 

On XXXX XXXX we received a form letter from Bayview that they received our inquiry and that we would receive a reply. On XXXX XXXX The Town of XXXX refunded the tax overpayment of {$3700.00} to Bayview. On XXXX XXXX at XXXX I called Bayview and spoke to a rep named XXXX . XXXX informed my that Bayview had still not posted the tax refund to our account, but that she would order an escrow anylysis. On XXXX XXXX we received a check for {$2600.00} from Bayview indicating it was an overage refund, but there was no further explanation. On XXXX XXXX I called Bayview and and spoke to another representative and asked for a copy of the escrow analysis, which we finally received on XXXX XXXX dated XXXX/XXXX/15. 

The escrow analysis which is attached does not reflect the refund of {$3700.00} and it assumes a monthly impound rate at the higher monthly tax rate creating an excess of {$6500.00} in the escrow account. I called Bayview again on XXXX XXXX and explained this issue and asked to speak to a supervisor, but got nowhere. I told the rep that unless I received a revised escrow analysis by XXXX XXXX I would report them to the Federal Consumer Financial Protection Bureau. So here we are. 

Bayview should refund the overage in my escrow account of {$6500.00} which represents the tax refund noted above and the overage they have collected from me anticipating a higher property tax. Bavyview should also reduce the monthly escrow impound rate to {$1100.00} per month. Additionally if there 's any opportunity to fine them for keeping my money it should be pursued. I 'm certain that if they are doing this to me ( holding excess escrow ) they are doing the same to others, which is consumer fraud as it appears they are using customer money to finance other activities. Otherwise why make it so difficult for a customer to get resolution of an issue? Lastly I have always been concerned that Bayview identifies itself on the phone as a debt collector, not a mortgage servicer. I would like to understand just what regulatory agency they operate under? 

Bayview
Product: Credit reporting or other personal consumer reports

I can not access the Experian website to unfreeze my credit report. I continue to file complaints. Experian continues to close the reports, without contacting me to clear up the issue of accessing their website. They will not return calls and their automated call center will not correct the situation.
Product: Credit card or prepaid card

My account was closed without any warnings and heads up by Bank of America. I have accumulated over {$1000.00} worth of rewards and I suspect this is why they decided to close the account so they do n't have to pay out the rewards. 
I would not have discovered the account closure if I did not login to the website today and see that my account has been removed from Bank of America. No other accounts were removed, just this account with the highest rewards balance. 
Upon calling, I was informed the account has been closed due to " too many revolving balances ''. However I have been a customer with Bank of America for over 4 years and have NEVER missed a payment on ANY credit card account. As a matter of fact, I 've NEVER paid less than full balances on all my monthly payments. This is an absolute lie and an excuse for banks to avoid paying out on rewards. 
What 's most frustrating is I have another personal Bank of America account and they could have asked me if I wanted to close that account instead since it has no rewards, yet they simply closed this account without my consent. 
They refuse to reopen the account without doing another credit pull and will not guarantee successful reopening of such.
Product: Payday loan

They take out fees XXXX so it takes a very long time to pay back the principal. When I tried to make payment in full in order to avoid any more fees, they said I could n't! Feel deceived ... These types of loan companies are illegal in Arizona, so they should not be available to Arizonians.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a credit card from capital one. when it hit my credit, it dropped my XXXX  65 points and my XXXX around same amount. i called and ask them about it and they said they dont know. ive emailed them about it and still cant get and answer. i have never had my credit score below 600 and this is very frustrating.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of a personal loan account opened at XXXX, XXXX on XX/XX/XXXX under the account number XXXX. This account have resulted in several fraudulent Charge Off appearing on my consumer FICO credit report with a balance of {$1500.00} that appears related to the aforementioned personal loan account opened at XXXX, XXXX. This account have resulted in several fraudulent hard inquiries in the past, fraudulent collections and fraudulent Charge Off appearing on my consumer FICO credit report. I do not recognize the aforementioned account, collection or Charge Off related to this account as reported. The aforementioned account, collection, and Charge Off appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned account, collection and Charge Off are the result of Identity Theft and Fraud. I have attached an Affidavit of Truth regarding the fraudulent XXXX, XXXX accounts and also i have attached copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account, collection, and Charge Off are the result of identity theft and fraud. Please Remove and Delete this account from my report, they are hurting my ability to obtain credit.
Product: Credit card

I have been writing to Bank of America regarding a fraudulent charge that happened on XX/XX/2023. 
Someone, used my credit card and bought an XXXX online and picked it up from XXXX XXXX 's store in XXXX, XXXX. XXXX XXXX provided fraudulent receipts to Bank of America stating that it was shipped to my address. I have tried to get XXXX XXXX to take responsibility for this error, but they don't care and don't want to send a refund to Bank of America. 
Bank of America is ignoring all my letters, police report, complaint to XXXX  regarding XXXX XXXX business practices, my letter to the attorney general of Texas. 
They don't give me a credit for this fraudulent {$640.00}.
Product: Money transfer, virtual currency, or money service

I am forced to use Money Network as part of California unemployment ( XXXX  ) to receive benefits payments. The mobile app works XX/XX/year> times I try to use it. Most of the time it hangs up on the login screen such that I can not login and access funds. The web app says that my username/ password is incorrect, even though on the 1/10 times that the mobile app does work it is the same username/password used there successfully. I have also reset the password, but immediately get the same error. This has been ongoing for the last 6 months that I have been receiving unemployment benefits. 

Today ( XX/XX/XXXX ) I tried calling their customer service number ( XXXX ) and when I provided the last XXXX digits of my social security number and my birthdate ( coded correctly according to their instructions ) it says it finds no record of me and hangs up automatically. There is no way to contact them to discuss these issues.
Product: Student loan

In XX/XX/2018, I submitted income information to XXXX XXXX for my husband and I. We both have student loans and both are serviced by XXXX. With our income driven repayment plan, the payment amount is supposed to include our combined debt with our combined income. My husband 's monthly payment went up slightly, as expected with a slight increase in our income in the last year. My monthly payment more than doubled from {$250.00} to over {$500.00}. When I contacted XXXX, it appears that while my husband 's was calculated correctly, mine was not. It did not include the combined loan debt and combined income in the calculation. I spent over an hour on the phone and it will take several weeks to get resolved. I work in XXXX XXXX and am very familiar with the process and knew what our estimated combined monthly payment should be. For someone not as familiar, this mistake could result in someone not paying their loans or not knowing how to proceed or what questions to ask. I encourage all student loan borrowers in income-based repayment to be aware of the recalculations ; if your income increases slightly, your monthly payment should correlate.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I was contacted by a USAA Customer service rep indicating that I had a fraudulent transaction made in Kentucky which I stated I did not complete. During this call, they sent a text to validate my account. At this time, my account was taken over by the XXXX on the line. The fraudster then made an unauthorized transfer to my account which later returned for insufficient funds on XX/XX/2022. 

Once the call was ended with what I thought was the USAA customer service member I received an email indicating I had completed a Wire Transfer for {$9900.00}. At that time I called USAA to file a claim stating my account was taken over I was scammed and I have no access to my online banking account as the Fraudsters had changed my account log in. 

I called USAA on XX/XX/2022 to get a status on my claim but they stated it was under investigation and I would receive a call back, they stated that it will be three more days but I never received a call back. On XXXXXXXX XXXX i called back and they dept had already left for the day. 

On XX/XX/2022, I called for another status check and discovered that they have not opened a claim for my fraudulent wire transaction that I had filed a claim for on XX/XX/2022. So on XX/XX/2022, the claim was opened and a recall of the funds was attempted ( XXXX weeks after I reported ). 

USAA has violated regulations and procedures according Regulation J. 

Today ( XX/XX/2022 ), I was told I would receive a call back from the Fraud Team. When they called me back they could not provide a status but it was " under investigation '' and that another fraud team member would be calling me back since they could not provide any details to my claims. Again, I called in and requested a call back from the Fraud Team, when they called me they then said they would need to put in a request for the Fraud Team to place ANOTHER call back. 

USAA has dropped the ball a few times here and I'm at a loss of how to recover the {$9900.00} that was transferred out of the account when it was taken over. USAA reps continue to pass me around and never provide details just that a call back will be made but I have lost confidence. 

Thank you! You are my last resort.
Product: Student loan

Currently I have student loans with Genesis Lending from classes that I attended at XXXX XXXX XXXX in XXXX, Wyoming from XX/XX/XXXX till XX/XX/XXXX. I am a veteran of the XXXX XXXX and as though I did receive benefits from my XXXX G.I. Bill, the money had to be used for living expenses since my husband and I were unable to receive campus housing due to our marriage status. Because of this, we were unable to use the G.I. bill for its intended use and now we are paying the student loans. Considering XXXX provided high hopes for attending the school, I became a XXXX GPA student and graduated with above and beyond characteristics. When I attended the introduction day where I had to sign tons of papers, I remember specifically them telling me to sign a paper for a private Genesis loan in which I had not been aware of. They wanted me to do this since I did n't not qualify for some other loan. The lady insisted that it was a good loan although I feel I did n't have much time to think about it and I feared that I would not be able to attend school if I did n't do this. I do n't remember going over interest rates or loan amounts but she did tell me they would wait till we graduated to pay them back. After graduation, I applied for many positions and did receive only XXXX call back. In addition my husband received XXXX. I became sole provider till he found a job but I was not properly prepared to work in the position I ended up getting as an XXXX at XXXX XXXX. My hands on teachings were out of date for the current repairs that I had to make on vehicles. I feel that my husband and I were ill-equipped for entering the XXXX as they had lead us on to be as well as my above and beyond attitude that I worked on while attending did not seem to have made a difference. I currently am a XXXX and both my husband and I feel that we did not receive enough or the right sort of education that would help us in the XXXX. We have felt like this for years. Our loans had been on multiple deferments and forbearance as well as while I did have a job, I do remember specifically XXXX instance where I received collectors calls and I had to tell them I could n't pay them back but the lady insisted that I make a payment that very day. The call ended in tears. Myself as well as my husband where not happy with our education as well as the position that we were left in when he could n't get a job and that we had to use the benefits money to pay for our living expenses at the time. We are still to this day trying to get ahead even with our loans on forbearance.
Product: Debt collection

PNC states {$2400.00} is owed for debt. XXXX XXXX XXXX states {$2400.00} is owed for same debt. If PNC holds debt rights they have sold data to a 3rd party without the consent of consumer and debt should be removed as it has left a derogatory mark. If PNC has sold the debt to XXXX XXXX XXXX they are trying to collect double on a debt while reporting both as derogatory. Both cases are major irregularities in data and should be resolved
Product: Credit reporting or other personal consumer reports

Two XXXX XXXX pledge loans were wrongly removed/blocked from my reports on TransUnion and XXXX. I am authorizing and requesting that they be added to my report. 
I have called both bureaus multiple times to remedy this, but they have not offered any remedy. 
Please have this issue rectified and the accounts added back to my report.
Product: Checking or savings account

I do have 2 personal checking account with BofA in the second half of the year 2021 my employment stopped there is no income till now which is I face a financial problem from covid-19 one regular payment start hitting my bank there is no money it's been returned my bank start charging me {$35.00} for each transaction one of one of the accounts in XXXX of 2021 they took {$280.00} as fees they took {$640.00} in total from the 2 accounts in the year 2021 I called him too many times to resolve this problems they say in the best option for you to switch those accounts to a safe balance account which is you get no fees and will work in the face we charge you I did what they asking me for still there is no solution for the money they already took. And now they want to in the top of that close my account because it's have insufficient funds from a dispute I made for {$200.00} and they did not investigate that after the asking for the paperwork I didn't fax it for them so one of the account it's overdrawn because of the dispute money {$200.00} my fax machine telling me they received the paperwork on time I called and it said sorry we going to do anything at all so in the top of the 6:40 there is an issue with {$350.00} now as a dispute didn't want to do the job for it that's why I filed this complain hoping to get some help somehow I'm without job I don't have no money to pay them back in the top of that they want to destroy my name and close that account.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, XXXX account number XXXX, has violated my rights.

15 USC 1681 section 602A states I have the right to privacy.

15 USC 1681 section 604A section 2 it also states, a consumer reporting agency can not furnish a 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.
Product: Credit card

I was going to XXXX XXXX for XXXX XXXX XXXXXXXX. I had the XXXX XX/XX/XXXX. I saw the initial charge on the card for XXXX. XXXX XXXX of XXXX  i Went back into the office to show documents of what insurance was covering and asked to be credited back the money to my card. the office manager stated he would take care of it and initiate the refund. i initially saw the refund but then they charged the same amount back to the card 13 days later after XX/XX/year>. Ive also made additional payments to what insurance wouldnt cover and the officer manager said not to worry and he would take care of it. Ive now made 2 claims/disputes trying to get my credit back and ive been given the run around, and be refused numerous times. I keep getting told its been credited and it hasnt. Im now filing a fraudulent charge claim.