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

I opened a checking account with Chase in XXXX, primarily so I could have a local branch for cash deposits and withdrawals. I transferred {$10000.00} into the account, with the intention to withdraw most of the money quickly to pay a contractor. 

However, I was never able to withdraw that money. The bank held the money in the account, but I could not withdraw it or transfer it because I had not yet received a debit card. I spent more than 5 hours, including multiple customer service calls and two branch visits, to try to find a solution to this problem, but I was unable to resolve it. This caused a hardship because I was unable to withdraw that money elsewhere to pay the contractor. 

A few weeks after having that resolved, I discovered that my Chase checking account had been closed without warning. I still have received no notice from the bank, nor have I received the funds that were in the account. Further, when I call Chase, the only department that can answer my questions has a 2+ hour wait time, which I can't afford. 

This has been a miserable experience and has been really difficult to navigate the holidays with $ XXXX tied up and inaccessible.
Product: Checking or savings account

XXXX  months ago I called Bank of America to report different types of fraud that I had been seeing in my account, such as calls and text messages, then I saw that my savings account had several types of frauds in which I have lost more than XXXX  dollars, and I have not been able to recover them
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been having an ongoing problem with Equifax over trying to put a permanent lock on my credit report. First, I was unable to login to my account. Then I was told that they would send me a verification code to access my account. Next the verification code did not work. Lastly, I called their toll free " Customer Care Team '', who wanted me to start the whole process over again online. At that point I repeatedly asked to speak to a Supervisor to no avail. Finally I told them to permanently lock my credit report. 

I don't ever want to deal with company again, however I still need to know that my Credit information is locked.
Product: Mortgage

I had several payment plans set up and different issues came up some on my end and some on PHH 's end. However I received an email from PHH before XXXX stating I had a new relationship contact person. I emailed them back as always asking what help was available to me. 
I was told to call or fill out a form with my financial information. Which I did but then when I tried to email it to the address on the form it cam back undelivered. 
Then I tried to fax it. I came back unknown number which I gfot from the paperwork as well. 
So how can I send what they are asking for if it is not giving me the working numbers to so? 
This is once again the way Ocwen/PHH does things and make it look like they are helping but they always find a way and claim it wasn't thier fault. when we are trying to keep the home. Please help me.
Product: Credit reporting or other personal consumer reports

Someone has used my social to try to open several accounts since XXXX to current from capital one , XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, us bank etc
Product: Debt collection

I kindly request that this account be removed ( capital one ) from my credit report immediately. Please investigate this matter and provide written confirmation of the results. If additional documentation is required, please let me know promptly. 

Thank you for your attention to this urgent matter. 

Sincerely, [ XXXX XXXX ] [ XXXX XXXX XXXX Account name : Capital one Account number : XXXX Account type : Credit card Account charge off balance : XXXX
Product: Credit reporting or other personal consumer reports

This is for my XXXX credit card. I made a full balance payment of {$170.00} via phone payment in XXXX of XXXX. The representative confirm that the full balance was paid, with no mention of any additional fees or charges. I was not notified that there would be any additional charges during the call that I paid the full credit card balance in XXXX. 

Later, I received a letter stating that I was months late on an apparent late fee so I called a representative in XXXX to correct the account. The representative cleared up additional late fee charges that they combined from XXXX to XXXX. I paid the late fee charge of {$65.00} from the {$170.00} payment I made in XXXX. 

As of today, my credit report reflects 120 days past due, which based on the facts above is incorrect.
Product: Checking or savings account

On XX/XX/XXXX I received a text message with a screenshot of my personal account bank statement from my business partner asking about my personal account funds and then I came to realized that my business partner had access to my personal account for almost over 8 months without any of my authorization. 
In XX/XX/XXXX when my business partner joined the business we went to the bank and gave him access to our business account, but somehow he was was able to switch user online into my personal account and had access to all my personal finances through his personal devices. This is unacceptable and a huge privacy problem and right now my business partnership is at risk due access to unauthorized information that my partner had access to. 
Institution : Truist Bank XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX
Product: Debt collection

Jefferson Capital just emailed me about a XXXX bill that was discharged last year due to identity theft. XXXX discharged the debt after I sent them my identity theft documents. So Jefferson capital is illegally trying to collect money from me that I dont owe. How did they get my information. I didnt give them consent to have my personal information.
Product: Debt collection

Hello CFBP, I sent the following to XXXX, and based on their result, you can tell the investigation lacked factual evidence. I followed the financial collection guidelines and requested a VOD to validate the debt. The collection agency should have provided the information or a response within 30 days. This directly violates my right to request proof and collection law. I am only submitting my complaint regarding the collection agency. I will also submit one for the credit bureau XXXX. 

Lastly, I have attached all the necessary and comprehensive proofs for your review. 
- XXXX  receipt - XXXX  letter - Request to delete receipt - Request to delete letter - Request to remove from credit report to XXXX letter file id number XXXX Dear XXXX, I am writing to dispute a credit reporting error that appears on my credit report. The details of the disputed item are as follows : Creditor Name : Spring Oaks Capital SPV , LLC Account Number : XXXX This item is incorrect or incomplete because the collection agency has not complied with my lawful request for validation of the alleged debt. Under the Fair Debt Collection Practices Act ( FDCPA ), I have a right to request validation of this debt, a right which I exercised on XX/XX/year>. Despite providing the collection agency with a reasonable amount of time to respond, I have not received any documentation or response from them validating the alleged debt. 
Per the Fair Credit Reporting Act ( FCRA ), I kindly request that XXXX investigate this matter within the statutory timeframe of 30 days. Should the collection agency fail to provide adequate validation as required by law, I request that the trade line be removed from my credit report due to non-compliance. 
Enclosed are copies of the following documents for your review and consideration : The letter requesting debt validation was sent to Spring Oaks Capital SPV , LLC dated XX/XX/year> Proof of mailing and any other correspondence that substantiates my claim : Any additional relevant information or documentation : I appreciate your attention to this matter and expect a prompt correction. Please inform me of the outcome of your investigation at your earliest convenience. 
Thank you for your time and assistance. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

I received a call from XXXX saying that I was being sued and they needed to know what time I would be home to serve me the documents. I asked what company was suing me and the name of the civil case server agency was Quantum. Phone # XXXX. I called to find out what I am being sued for and it was for an old credit card that was sold to them to collect on the debt. I did not receive any letter that they now are the collection agency for this debt. Quantum had all of my personal information, I did not tell them my personal information. Quantum rep said that they are suing me because the law states that they can collect on the debt from the last payment received in 10 years. The statute to collect credit card debt in Nevada is 3-6 years. I call the credit card company and I was told that my account was sold to XXXX XXXX XXXX in XX/XX/XXXX. The last payment received was in XXXX. I called XXXX XXXX XXXX and I was told they are not trying to recover the debt, sue me or take legal action. The XXXX debt service rep told me that they did not sell my file to Quantum. Quantum told me that they are suing me and would not disclose any information because they said I will find out in court the information they have about me to sue me. Then I called Quantum again and the rep said they have not filed to sue me until I am served documentation, even though they told me they already filed to sue me. Both credit card and collection agencies told me they did not sell my information or sell my information to Quantum or anyone else.
Product: Mortgage

BANK OF AMERICA required me to apply for the Hardest Hit Fund before they would assist me with a loan modification. Once my loan was current because of the Hardest Hit funds, BOA refused to give me loan modifications options I could have qualified for with my loan current and up to date because of the Hardest Hit funds. My only income is XXXX and child support. They have increased my income by 125 % to determine my new monthly mortgage payment because they claim it is not taxable. 
Even with this inflated amount, they are proposing a 90 day trial where I make a mortgage payment to BOA that is 39.75 % of this inflated gross income figure they have come up with. 
It 's 56 % of the net income that my family has to live on each month. I do n't see how this is an FHA compliant modification. Because I asked a question about the income numbers they used, BOA is trying to claim I 've opted out of the trial offered. I did not XXXX out of anything. BOA asked me to fax my inquiry to their opt-out team to be reviewed. This process should be this complicated. It should be geared to protect the consumer/citizen. I need action and help to make this right. I have XXXX children and stability is paramount to the well being of my family.
Product: Debt collection

XXXX XXXX continues to call me and report me to credit bureaus even though I have sent them documentation 3 times showing that my insurance paid for this debt. All three times, they have removed the debt from my credit report, just to put it back on 6 months later. Are they scammers? Is their system broken? I 've seen a lot of similar complaints on several websites, including the Better Business Bureau. <P/>This is the full explanation of what happened : On XXXX/XXXX/XXXX, I went to the emergency room, and left with a charge of {$620.00}, which my insurance took care of, and proceeded to send me the explanation of benefits ( EOB ) received and signed by the emergency room financial services. <P/>A year later, I began receiving bills from XXXX XXXX requesting that I pay for this debt. I told them the charge was paid for by my insurance company, and they requested proof of payment, so I proceeded to fax them the EOB my insurance company had given me ( see attached documents ). When they received the fax, XXXX XXXX proceeded to tell me that everything was fine. A month later, I saw a collections notice in my credit reports, so I called XXXX XXXX back and repeated the same process with faxing the documents, except this time I called XXXX and XXXX to dispute the debt as well, and they removed the collections notice from my credit reports. <P/>A year later, I saw the collections notice back on my report, and I repeated the process mentioned above, except this time I threatened XXXX XXXX to report them with the CFPB, the FTC and the BBB if it happened again. Needless to say, it happened again. Yesterday I saw their collections notice back on my credit report and I proceeded to report them because what they are doing is not right. I sincerely hope this has to do with an error in their system and not with dishonest business practices on their part.
Product: Checking or savings account

Bank of America took the balance out of a checking account and closed the account without any explanation as to why. I was Power of Attorney for my mothers checking account. She passed away XX/XX/2021. I have been trying since then to find out why the account balance was cancelled and closed. Bank of America has kept me on hold almost every day since then, sometimes for hours. They never answer the phone and they say on their website that you can make an appointment to come in and see them. That is not true as there is no access to do so on their site. If you go to their location, they tell you that you need an appointment. It is nothing but a horrible run around with no way to alleviate the problem. They took out the balance of the checking amount of {$690.00} and closed the account when I go on line, with no explanation of why or how to find out why. The worst run around I have ever experienced and they make it impossible to contact them.
Product: Debt collection

Wakefield and associates has called me 16 times since XX/XX/XXXX. I have no debt sent to collections, I do not owe them anything. Dates of calls are : XX/XX/XXXX, XX/XX/XXXX 4x, XX/XX/XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX. The phone calls are harassing and predatory in nature immediately asking for personally identifiable information. The last call received as of XX/XX/XXXX, the rep that called me said something along the lines of " consider this your last warning '' and immediately hung up, I do not know what they are threatening me with, or for. I do not owe debt to anyone besides a car payment that is not anywhere near being turned over to collections. I have looked online and this " business '' is highly suspected to be a scam and not a legitimate operation, if this continues I will seek legal action against them and contact my state representative as they seem to have a business model of preying on poor people who don't know that this is a scam or otherwise predatory " business ''. Online reports indicate Wakefield and Associates withdraw more money than " customers '' agree to, and only exist to get people to agree to let them drain their bank accounts. The fact this " business '' exists is indicative of the poor state of business regulation in America and is a stain on our national identity, as well as threatening the livelihood of Americans who don't know any better. I suggest the government reign in this scam operation before more Americans have their money drained from their account without permission.
Product: Checking or savings account

My company has over {$10.00} XXXX on deposit with PNC Bank spread over approximately 30 accounts. We have not been able to get online access to bank account activity or generate bank statements since XX/XX/XXXX. PNC Bank representatives have often not responded to phone calls or emails or have been very slow to respond. The responses received to any questions are usually " I don't know '' or " We are working on it ''. This matter has now been unresolved for 4 weeks and we need to have access to account activity to maintain normal business operations. Thank you for your attention to this matter.
Product: Credit card or prepaid card

A fraudulent transaction occurred on my Citi LL Bean credit card. Someone drew a {$8400.00} convenience check against my card. This generated a fee of {$330.00}. All occurred mid XXXX. Citi immediately placed the {$8400.00} into a disputed status and removed it from my account. However, there policy is that the {$330.00} remains until after the investigation which could last 60 days. They dont plays fees into dispute?? This makes no sense. I am getting notices of payment due. I have made 4 calls to Citi. Last two escalated to fraud investigation where I learned of this policy. They would not take the {$330.00} away. They agree I will be late on a payment and to my knowledge my first ever. My credit score dropped XXXX points when this occurred. Surely it will drop again when the account goes past due. Please help. My issue is no one at Citi above these hard working customer service reps were available for me to state my case. On each call I asked for some one with authority to handle call me. No way. I have to write then in XXXX XXXX. I assume and hope you can help so this frustrating experience can be resolved and maybe help others. Thanks.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Credit Reporting agency Regarding : INQUIRY REMOVALS I was checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by theses companies : XXXX XXXX XXXX XXXX XXXX XXXX I didnt authorize anyone employed by these companies to make any injury and view my credit report. also i didnt give you permission to furnish this information to my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes fraudulent activity but is a serious breach of my privacy rights.Please validate this information with these companies and please provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. Also produce a contract between these companies, bearing my signature showing that I gave permission to furnish any information on my behalf. 

If there is no documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. By law you have 30 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act section 611. 
Best Regards, [ XXXX XXXX ] UCC 1-308
Product: Mortgage

I have tried to login to MyLoanCare account for over a week now to make my mortgage payment.Finally saw the message that the company is having security issue and that no delinquency fees will be charged and will not notify late payment to the credit bureau. Will let us know when the site will be back again.
Product: Mortgage

I have a lawsuit against SPS Inc. ( Select Portfolio Servicing ) for predatory lending, I have been trying to get a fair loan modification and have been unsuccessful. In XX/XX/XXXX I submitted XXXX requests for loan modification TO SPS and was turned down each time. Then I hired an attorney who found fraudulent conduct on the part of XXXX ( original lender ), XXXX and SPS ( who now services the loan. When my lawyer filed the lawsuit, I suddenly received a trial loan modification from SPS, but it was very vague and was not a good deal. And I refused it. I had already suffered at the hands of XXXX with many lies and fraudulent behavior. In XX/XX/XXXX I was in foreclosure and XXXX told me if I could start making payments each month plus extra to catch up my past due payments, I would be okay. In a 5 month period I paid XXXX {$17000.00}. On the 6th month when I went in to make my payment, I was told they could not accept my payment because I was in foreclosure. I was in total shock! From that point on I did not trust anything they told me. Then my loan was " sold '' to SPS. When I called they said they were servicing the loan for XXXX. I did not accept the SPS modification as I did not trust them. There was nothing guaranteeing they would adjust my interest or principal. There were all kinds of late fees, etc added onto my loan balance. SPS. I was paying a lawyer every month to work this out for me ... but to no avail. My house is now scheduled for Trustee Sale on XX/XX/XXXX. I DO NOT want to lose my home. I am at a loss and do n't know what to do. PLEASE HELP ME!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days already included in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXXXXXX 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 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 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 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 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 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I went to cash my paycheck at the US bank at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX and I don't have an account. I sat at the drive thru for XXXX min before I was talked to. I was told that I had to go into the lobby to cash a check. So then I tried going into the Lobby but the doors were locked. It was supposed to close at XXXX. It was XXXX by the time I tried to open the door. This has totally screwed me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I put in my information in XXXX to see if I could get a lower rate on my auto loan. I was contacted by email by many potential companies about a new loan, including, on XX/XX/XXXX, XXXX XXXX. I replied, asking the XXXX XXXX representative XXXX for their general rates. She replied with a list of rates, at which point I never contacted XXXX XXXX again. Two days after ( XX/XX/XXXX ) I received an email from a credit monitoring website that XXXX XXXX had initiated a " hard pull '' of my credit. I emailed them asking for an explanation, as I had never filled out a loan application or given consent to a credit check. I did not hear back from them. 

I contested the check with the credit reporting agency, Equifax, which denied my request, saying that the credit report was " factual ''. A brief XXXX search of " XXXX XXXX pulled my credit without my permission '' reveals that this is a standard practice for this company.