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

I bank with Bank of America in California and have done so for more than a decade, perhaps much longer. As of XX/XX/2022, every check I have written has been flagged for fraud and required an immediate confirmation from me, by text, for the check to be processed. While the claim is regarding " unusual activity '', the checks flagged are some of the most regular transactions I make. My rent check is the same amount, to the same entity, at the same time of the month, every month, for more than a decade -- -yet it is " unusual ''. Similar checks have been flagged, 5 in numerical sequence. Now I see that my credit card ( I have 2 with Bank of America ) is also indiscriminately flagged and transactions being rejected on the basis of fraud. These include regular subscription charges that have occurred for years for the same amount at the same time to the same vendor. 
The net effect is that Bank of America, under the auspices of " fraud protection '' is refusing to make the payments I authorize unless I am available to respond to texts -- sometimes that is not even an option. 
I have spoken with a number of service agents and none have the ability/authority to actually address the issue of a global denial of payment processing for my accounts, apart from " leaving a note in my file, '' which they have admitted, is not something a computer will read or regard. 
Discussions with supervisors have only resulted in them saying " we're doing the best we can ''. 
I believe that Bank of America has flagged my account and rendered it functionally inoperative as a retaliation for my negative feedback and my frequent use of the customer service phone contact, or some other reason. I can not believe that this level of " protection '' is being used across all of their consumer accounts, or their business would cease to function, therefore if it is specific to my account, it is to discourage or punish my use of the bank, which has not materially changed. I maintain substantial checking and savings balances, do not carry a balance on any of my credit cards and do not initiate chargebacks or other costly banking services with any frequency. My behavior has not changed, but the behavior of my bank has drastically changed. I can not seem to contact anyone who has the authority to address more than individual transactions, while my problem occurs across the entire company.
Product: Student loan

Was XXXX with an extremely XXXX XXXX XXXX XXXX XXXX in 2012. My XXXX XXXX tore at my XXXX. I filed for my loans to be forgiven. Sent in all my paperwork. And was denied because they said I didnt have enough time being XXXX. 
I had 2-2.5 years of back pay, and a letter that stated another 2.5 years on XXXX for a total of 5 years. The loans should have been dissolved but I again was denied. 
I have had multiplayers forbearances because thats what was offered, but never trying to work with me. I only make XXXX a month and have XXXX children. And this ONE thing, student loans, are killing my livelihood, I cant use my degree because Im XXXX, and you guys want a magical XXXX from thin air, meanwhile are hurting my family because I am on automatic decline due to this issue! I would like some help please, no I NEED some help please!
Product: Debt collection

XXXX charged off my debt and MRS BPO LLC took over the account. I contacted MRS BPO LLC. Resolved my debt back in XX/XX/2019. XXXX has not reported to the Credit bureaus that this debt has been resolved.
Product: Mortgage

My loan through USBANK requires flood insurance which is provided by my Homeowners Association. This year they are not accepting it and have purchased a flood policy with me as borrower and have added it to my mortgage payment. My HOA has tried numerous times as I have to get help on the phone and there is no agent qualified to help. 

I have had this loan since XXXX of XXXX and no late payments. All these years they have accepted by flood insurance. 

The first installment added is {$530.00} until I " catch up '' and they have the policy adding {$220.00} per month through XXXX of XXXX. 

When I called the agent was recommending to take mortgage assistance until this is resolved, but I do not need this product. 

I am hoping during COVID-19 they are not trying to pressure borrowers to get products not needed then adding things like insurance as a scare tactic to make more money. 

USBANK will not allow me to make my normal mortgage payment and if I do it will be considered late which will affect my credit score.
Product: Credit card

I purchased two dresses from Macy 's totaling {$260.00}. Bill was due XX/XX/2017. I returned both dresses on XX/XX/XXXX for full credit which XXXX out the balance - and with enough time to be reflected on my next bill. But, when the next bill came in there was a Late Fee of {$27.00} and a Delinquent account status even though the bill clearly shows full credit of the previous month 's balance. There were NO interest charges -which means their system knows it was paid in full - but still applies a late charge and delinquency. Nothing was owed - the full balance from the previous month was XXXX out. I called and they told me I had to pay even though the full credit covered the balance. I advised the agent that paying would have caused a credit balance of {$260.00} and she said no it would n't??!! Then they told me I had to pay the new charge made on XX/XX/XXXX of {$37.00} to remove the late fee and delinquency even though it is not due until XX/XX/XXXX. I asked for a supervisor who told me the same thing and stuck to the same story??!! Then I tried to use their online system which is so horrible to use - the chat function does not work - the email system provided an auto response with no information on when they would get back to me. They are ruining my perfect credit score and trying to make me pay the {$27.00} late fee. Please help. This is a scam - who pays when there is NO balance? How many others have they charged a late fee to when no balance was due? The fact that no interest charges were applied shows that this system is flawed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, am acting on my own behalf and HAVE NOT used a third party for this dispute. This dispute was not filed in error. Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the agent , attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices. Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done XXXX XXXX XXXX  can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If XXXX XXXX XXXX reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX. Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. I do not consent to these proceedings. I do not require subrogation of the bond to settle the charge.
Product: Mortgage

Wells Fargo has denied a recast of my current mortgage, citing my participation on the COVID deferral program. Wells Fargo claims that this is a decision of the " investor '' namely, XXXX XXXX, and not a Wells Fargo decision. I have offered to pay off the deferral amount in full. They say this will not change the policy, that I am no longer allowed to recast the mortgage.
Product: Payday loan, title loan, or personal loan

I have a small personal loan to build my credit through Avant. I had a previous account with them and had no problems. On XX/XX/XXXX, I scheduled for them to take out a payment of {$1000.00}. They never took out the payment, and with moving a bunch of money around to pay my student loans I never noticed. My payment schedule on the website said that I did not owe a payment until XXXX of 2019. However, apparently this was taking into account the payment that was supposed to be taken out of my account. When they did not receive payment, they did not update my payment schedule to reflect that, so i was laboring under the impression that everything was fine. I am also set up on autopay to avoid any problems. On XX/XX/XXXX, I received an email stating that I owe a payment of {$.00}. I also received emails on XX/XX/XXXX and XX/XX/XXXX which all stated that I owe a payment of {$.00}. Obviously, I ignored them because they said that I owe XXXX dollars. However, on XX/XX/XXXX I received an email stating that I have a past due amount of {$180.00}. Now, obviously because the original payment of {$1000.00} was never actually taken out of my account, I do owe the money that they are charging me. However, I feel like I did my due diligence and that they are acting unethically. I scheduled a payment, as I was supposed to, and the money was in my bank. I never received any notification stating that they did not receive payment. I have my account set up on auto pay for all payments. My entire account shows that I do not owe money until XXXX. I spoke with someone on the phone, who basically said there was nothing she could do, I had to pay the amount, that it would be considered past-due ( obviously affecting my credit score ), and that even though my payment schedule is incorrect I still should have made the payment.
Product: Debt collection

On or around XX/XX/2017 a Request for FULL DISCLOSURE was sent to CEO, XXXX XXXX XXXX of Santander Consumer USA , Inc. served with this Notice and Demand to Admit or Deny the statements in the enclosed " REQUEST FOR ADMISSIONS '' document and return it within twenty ( 20 ) days with a verified signature of an authorized agent of the Lender. This Notice and Demand is the Consumers good faith attempt to settle this matter and clear up any confusion about the terms and execution of the alleged Loan agreement and the disposition of the outstanding deposit with Santander Consumer USA , Inc. of the value of the Consumers promissory note associated with this alleged Loan. Santander Consumer USA , Inc. failure to validate the purported debt by returning the enclosed " REQUEST FOR ADMISSIONS '' document with a authorized and verified signature to the Consumer within twenty ( 20 ) days of receipt of said Notice and Demand will be deemed a dishonor of the Notice and Demand, and will be presumed by Santander Consumer USA , Inc. acquiescence, that Santander Consumer USA , Inc. took the Consumers promissory note and, without authorization, stamped it, sold it, and then used the proceeds of that sale as the funds for the alleged Loan, causing the Consumer to be damaged in a transaction making themselves incompetent witnesses and by taking legal action did dispossess consumer goods and did misuse personal, family or household goods for purposes not intended - without ever obtaining competent judicial permission or prior direct consent- and, without just compensation. ( 1692c ( a ), 1692 ( b ), 1692c ( C ) ( 1 ) ( 2 ) ( 3 ),  FDCPA ). The Consumer is prepared to exhaust all applicable provisions of the FDCPA and the FCRA to obtain " FULL DISCLOSURE '' of the facts material to the terms and execution of this alleged Loan agreement.
Product: Checking or savings account

On XX/XX/2019 I transferred my savings account into a money market account paying 1.88 % the account has about {$70000.00} in it. I did not get interest for XX/XX/2019 nor XX/XX/2019 I went back to a local branch of PNC on the XXXX of XXXX and spoke with a customer rep whom stated she would submit the required paperwork to get the interest owed me. as of today XX/XX/2019 i have not gotten the interest my money market account number is XXXX
Product: Credit card

I was bated by an apartment community that took my money and their negligent by not communicating for a week long and charging unreimbursable costs. I should not be liable for a company and or person who does not do their job and has a coworker lie for them also. I was told to apply for an apartment and pay 2 fees/costs and after doing so the property manager stopped returning phone calls and emails BOTH, over a weeks time ( 5 plus attempts ) after I paid. The credit card company says they will not support the dispute. Based on what? I have emails sent and not responded to as well 4-5 phone calls not returned which led to the process stopping altogether. I would have not paid if I knew they were not going to follow thru afterwards. The credit card company can not possibly have any substation to the contrary. I did not get the services as described and that is the basis of my complaint against the CREDIT CARD COMPANY, Aspire.
Product: Credit reporting, credit repair services, or other personal consumer reports

In regards of incorrect information from Experian in Credit Report, the investigation took more that 30 days. No response. Concern about unverified card usage. We also requested for the release of the Creditor name.

I demand to see a varifiable proof ( i.e. an original consumer contract with my signature on it ) that you have on file for the account listed below.

I demand that the following account be verified or removed immediately Date reported : XX/XX/2021 Amount : {$5300.00} Action : called Experian and sent dispute letter
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax allege they are unable to update my email address in their system. The email address they have in their system was compromised, alert was sent via XXXX. 

Equifax allowed unauthorized access to my consumer file opening an account on behalf of XXXX XXXX XXXX without phone verification. See attached Consumer File from Equifax in 2016 there is no XXXX XXXX XXXX account there. ; XXXX XXXX XXXX is not listed, ,Equifax allowed creditor to add derogatory account without notice and refuse to remove over the last 60+ days
Product: Credit reporting, credit repair services, or other personal consumer reports

From XX/XX/XXXX until XX/XX/XXXX, I had been making regular, timely payments above the monthly limit, to this credit card account, effectively paying off the credit card in XX/XX/XXXX. I even had a credit from the company for overpaying in XX/XX/XXXX. 
On or about XX/XX/XXXX, I received a letter from " Cardmember Service '' stating my account was " past due '' and " because of [ my ] payment history, we have reduced your credit limit to {$500.00}. '' I had a late payment for the month of XXXX, apparently. However, the suggestion that my payment history was anything other than exemplary was false and inflammatory. 

Further, the letter did not come from the company with whom I had the credit card, but rather from an anonymous-looking, and frankly, fraudulent-looking " Cardmember Service ''. In no place in the letter did it identify the company I had the card with, and only provided the last four digits of the card. The address of this " Cardmember Service '' did not even match the address of the credit card company to whom I send payments, further raising my suspicion about the legitimacy of the letter. 

My previous credit limit was {$24000.00}. By reducing my credit limit by {$23000.00}, XXXX XXXX XXXX effectively lowered my credit score from XXXX, an " Excellent '' rating to XXXX, a " Average '' rating. This extreme reduction in my credit score eliminated my ability to qualify for a competitive mortgage refinancing interest rate, thereby costing me thousands of dollars by eliminating my ability to apply for mortgage refinancing. 

I called the company on XX/XX/XXXX to inquire as to the reason for the extreme reduction of credit, to express my frustration with their action, explain the detrimental effects of their action, and request a reinstatement of my credit limit. The representative suggested I speak with their " consumer recovery '' department. When I was transferred to this department, my call was routed then back to start over at customer service. Their only response was to suggest I reapply for a credit increase. Such an action would reflect a hard check on my credit report and further diminish my credit score, so I firmly declined this action. 
On XX/XX/XXXX, I called again after my account being fully paid off to request a return of my original credit line, and they again said I would need to reapply for a credit increase. 
Due to their misleading, unjust and personally damaging actions, I promptly closed the credit card and will never do business again with any credit company affiliated with XXXX XXXX XXXX.
Product: Payday loan, title loan, or personal loan

I got a loan for debt consolidation and had Lending club pay off card cards directly. After the loan is approved and payments are sent to credit cards, somehow one of my two XXXX XXXX cards accounts got changed to an account ending in XXXX. Now, mind you I do not have an account ending in those numbers. Lending club supposedly paid XXXX tom XXXX acct XXXX I pointed this out to Lending club over 10 business days ago and was told that the payment had to settle and wait for a certain for it to be returned. I was told to wait 7 business days and call back, which I did and then was told that there was a 2-day extension put on from the back office that makes the payment to creditors. I call today XX/XX/19 they still do not have my money back, stating XXXX is nonresponsive which is a joke, I can get them on the phone within 30 seconds. I spoke with a manager today named XXXX would file some kind of claim ... .more stall tacks in my mind. There is no way XXXX would have held this money for this long knowing that a wrong account payment was made. I received a claim number XXXX. I believe someone changed my data and tried to pay off an account that was not mine. The back office dept phone number is XXXX. My phone is XXXX. Email XXXX. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

I just pulled update of my credit report I already sent you few rounds of complaints, like I said before I dont know any of these accounts. I never apply for it. Why you still posting this information on my name. Im sure that someone have my personal information.
Product: Mortgage

This is the second time that Nationstar Mortgage has charged me for an Escrow Advance and my loan is not escrowed.
Product: Debt collection

I have a loan with SST. They claim I missed my XX/XX/XXXX payment. I provided them with my XXXX bank statement and a text, sent by SST, confirming that the payment was made. They continue to send emails and texts telling me that I must bring my acct up to date. This XXXX I received an email telling me I did not pay my XXXX payment. This email included late fees so I sent them my XXXX bank statement and the text, sent by SST, confirming that the XXXX payment was made. They continue to harass me daily even after I provided paperwork to verify both payments. I have called at least 5 times but to no avail. I need help.
Product: Student loan

My student loan servicer MOHELA is doing a poor job on handling my student loan payment process : 1. I made a payment on Federal student loan on XX/XX/2022 for {$5200.00} and that was the time my loan was undergoing a transition from Fed Loan to MOHELA. MOHELA lost the payment. I have kept calling them for the last 1.5 years about this, and recently I found that they raised my loan from {$25000.00} to {$30000.00} because they think they found the missed payment and refunded it to me since it was made during COVID and I can ask for refund. ( I still haven't received anyway, it's been half a month now ). My problem is that I have never borrowed {$30000.00} ; the missing {$5200.00} was made my loan was {$25000.00}. So I was charged extra for finding that missing payment back. And last week, I called their customer service, they said that they are going to adjust the amount after investigation in 7 days. Still haven't seen the adjusted amount, but the repayment under {$30000.00} is already on its way. 
2. My school starts on XX/XX/XXXX, and my in-school deferment couldn't make until the end of XXXX, this will make me pay for {$700.00} at least until in-school deferment could be notified.
Product: Credit reporting

In XXXX 2015 I received telephone call from a debt collector representing the office of attorney XXXX XXXX XXXX. The representative offered a settlement for a past XXXX debt. We agreed to a payoff of {$380.00}. I paid and a manager indicated the amount agreed would reflect on my credit report. My credit report shows the debt paid however not the {$380.00} agreed. 

Please see the attachment from XXXX XXXX XXXX 's office.
Product: Money transfer, virtual currency, or money service

The response from the bank did not address the missing amount of XXXX XXXX in my account that is owed to me via a check or ACH payment. 
So am providing an address that is not in their system to receive my check via USPS delivery Should they have problem releasing my funds to me. 
I authorize them to return all funds to the sender. 

At this time they are accountable for the specific amount Plz I need a full explanation to my email address from the bank, which I did not received. 
About the amount since the account was locked. I was told that no funds could leave the account XXXX XXXX XXXX