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

To whom it may concern, I recently opened an account with Chase bank and I had some unauthorized charges post on my account from XXXX XXXX and XXXX XXXX. As a courtesy Chase called me to verify the charges, which I of course said they were unauthorized, then Chase agreed to give me a refund in the meantime while they handled the dispute with the merchants and would send me a new debit card to ensure no further unauthorized charges. All while this is going on, I supposed the " back office '' of Chase reviewed my account and decided that they no longer would be doing business with me, and chose to close the account. I never received notice of this decision. When I received my new card in the mail, it did n't work and I called in to customer service and was informed of my account being closed. I was never given the reason why, but I told the representative that this would n't work because I had direct deposit coming from my employer that was too late to change. Either way, the closure was n't scheduled for another XXXX business days ( the XXXX business day was today ) so my direct deposit went through just fine. On XXXX XXXX, I went to a Chase branch to withdraw my remaining funds before my account closed and I found out that the Loss Prevention Department put a restriction on my account until the claim disputes I filed were finalized, I would not have access to over {$400.00} dollars until then. When I spoke to the Claims Department they have an estimated time of completion of XXXX XXXX ( the maximum of XXXX days mandated by XXXX ), and because there were restrictions set on my account the Claims department would thoroughly investigate the dispute up to the maximum date. Basically saying, they would hold my money until XXXX XXXX, even though I am able to submit proof that XXXX returned the payment. When I explained the inconvenience, and that I needed the money to pay bills and get to and from work, the representative just apologized, reiterated the policy, and I 'd have to wait until the claim was finalized. 

My issue is all this time Chase knew that they were closing my account but I was still doing transactions at the branches and the tellers/bankers there did not inform me of this decision. Had I not gone into the bank on XXXX XXXX to withdraw all my funds, I would have no idea the restrictions set and Chase 's intent to " freeze '' my account, in fact, XXXX representative told me I was sent a letter with all that information. 

My issue is that I find all of this to be very underhanded and shady, why would you send me a letter informing me that my account was closing and I would have restrictions on that account, when everything else with Chase is communicated via email and text? Also, the representatives have absolutely no compassion for my issue, or any sense of urgency when I call in and explain that I need my funds to get to work. And the XXXX departments ( Claims and Loss Prevention ), send me back and forth constantly and talk me in circles. If I call Claims, they tell me LP is the department that can help me, then I talk to LP and they try to transfer me back to claims.
Product: Money transfer, virtual currency, or money service

Tried to sell my bitcoins ( ~ {$11000.00} ) via the mobile app and site, on XX/XX/18 Both return an error saying there is some problem but didn't say what. 

Tried reaching out to support to get it fixed, no real response, got put into a " queue ''
Product: Debt collection

There was a lien put on our property at XXXX XXXX XXXX XXXX OH XXXX in the early XXXX 's. The home was refinanced in XXXX. The title company was Title Source which is now XXXX. At the time that Title Source did there checking they found that lien ( XXXX XXXX XXXX  ) and had sent for the release from the county. The county rejected the release because they were not the original lien holder. Nothing further was done on the lien and was sold to XXXX XXXX and is still open and has gained {$10000.00} in interest. Now that I am trying to purchase a new house this lien has shown up again which is 7 years older. Had the job been done right this would not be causing problems with me purchasing the new home now!
Product: Mortgage

We signed paperwork with Flagstar bank in XX/XX/XXXX to complete a VA loan modification for our home that was in COVID forbearance. We made the first payment on this loan on XX/XX/XXXX, per the terms of that agreement. At the same time, due to having no faith that Flagstar was following the correct VA procedures, we placed our home for sale and planned to leave California. The home was sold on XX/XX/XXXX. When our closing escrow company called for the final payoff with Flagstar bank, it was without the partial claim amount that was created as part of the loan modification. 

This caused several issues, but the escrow company agreed to withhold the funds + {$20000.00} of our own funds in reserve, to ensure payoff when the partial claim was finally settled. Because Flagstar did not work with the VA properly to process the loan modification ( per XXXX XXXX, VA Loan Technician XXXX - XXXX EXT. XXXX ) the partial claim still exists at Flagstar bank. My repeated calls to Flagstar Bank continuously end in 'escalation ' to management/underwriting that frustratingly lead nowhere. All I need is the proof that the partial claim still exists at Flagstar bank, so that my escrow can be fully closed. 

Additionally, Flagstar bank repeatedly sent me to XXXX XXXX XXXX XXXX, who struggled mightily to help me, but they never received the partial claim and therefore could not help me. It was XXXX who escalated to the VA, who confirmed the error was with Flagstar Bank. Having been a Flagstar customer who routinely witnessed the bungling of even simple processes and the poor call center employees who seem powerless to help, I am not surprised that Flagstar bank found another way to XXXX things up. It's almost as if the company has decided it's purpose is to be obstructionist with respect to servicing of loans, and VA loans in particular. This is my second CFPB complaint in regards to Flagstar Bank. No other institution has ever led me to create another one.
Product: Student loan

On XX/XX/XXXX we found that we were victims of check fraud. Our credit union recommended getting a new account number immediately. Our Navient loan was due on XX/XX/XXXX. I updated all of our banking information with them XX/XX/XXXX or XX/XX/XXXX for our auto payments. We went on vacation the week of XX/XX/XXXX and found that our payment did not process when we returned. When I called them they stated that I did update my information but it did not process for some reason and did a manual payment over the phone. When the payment did not process they increased our interest rate from 2.875 % to 4.125 %. I tried to get this reversed since we were victims of fraud and was told to fax in my last statement showing our old interest rate since they did not have record of it for some reason. I stated I had a letter from the bank stating the fraud and new account number as well. Once reviewed they did not reverse the rate. Our payment for XXXX is still not set up on auto pay and I was told to do a manual payment and autopay would be in effect for XXXX. Of the 40-50 different places I had to update my banking information with, Navient is the only one that did not process this immediately ( other than the US Treasury who required notarized documents ). This is ridiculous they would take 2 months to update information you have submitted which guarantees they will take away your discounted interest rate reduction for on time payments and auto pay. The way the are set up, if you change banks they will penalize you for this.
Product: Student loan

I'm part of the XXXXXXXX XXXX XXXXXXXX class due to my XXXX application. After approval in XX/XX/2023, XXXX, not my usual servicer, notified me of loan discharge. Despite multiple attempts, my servicer, Mohela, hasn't adjusted my balance or stopped interest, as required by the settlement. There's been no communication or timeline for discharge or refunds, leaving me confused and frustrated. I'm entitled to relief and refunds but have received no transparency or updates from Mohela or the Department of XXXXd.

I have also filed a complaint with my State 's Ombudsman office and the Department of Ed via the studentaid.gov website.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I have submitted all the paperwork requested in XX/XX/XXXXand XX/XX/XXXX. I resubmitted all this paperwork after I learned by accident that Carrington had rescheduled the foreclosure of my home of 29 years.
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This process started with XXXX XXXX XXXX and my loan was transferred to Carrington in XXXX. This never ending submission of forms have been going on for 5-6 years while I live in fear and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ), I found that under section 605b ( a ) Equifax shall block the reporting of 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 and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer. 

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Please block/remove this account. 

XXXX XXXX XXXXXXXX Date Opened XX/XX/2015 XXXX {$440.00}. 

If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Money transfer, virtual currency, or money service

On XX/XX/24 about XXXX I woke up to two texts that were sent to me about XXXX and XXXX XXXX  saying I added two different individuals to my XXXX account. I immediately check my account and saw five transactions to these two individuals. I called the bank to report these transactions as fraud. Asked them to stop the payments as they were still pending. Had them close that account and open a new account. Had them send me a new debit card and had them close the XXXX account. They told me their investigation would take 10 days. On XX/XX/24 the transactions were added to the new account and allowed to go through. On XX/XX/24 I still hadnt heard back from the bank. I called to get a status on their investigation and was told they denied my claim. Reason being it was done online so I had to have authorized the transactions. I asked to appeal the decision because I did not authorize the transactions and was told the decision was final and they couldnt do anything further. 
Transactions were as followed. 
Three XXXX  payments to XXXX {$200.00} for Tyres, {$200.00} for Fixing & {$130.00} engine  check. And two XXXX  transactions to XXXX {$200.00} for pancakes and {$200.00} for steakhouse. Five transactions totaling {$930.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In my previous letters, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card or prepaid card

While making a {$9.00} purchase at the clerk asked me if I would apply for their credit card, I agreed. Two months went by and I received a paper bill charging me late fees and interest fees in the amount of {$37.00} ( including the {$9.00} charge ). I called customer service and explained I hadn't received that bill. She said if I paid the {$9.00} immediately she would dismiss all the other charges, which I did. This Wednesday the XXXX, I received a bill for {$27.00}. I again called customer service and was told there was nothing she could do about the fees ( though I paid the {$9.00} charge ), because they had closed my account. 
Furthermore they reported me to the credit agencies which dinged my credit rating. I was told they sent my bill out on the XX/XX/XXXX but I didn't receive it til the XXXX. This does not pass the sniff test. I paid the {$27.00} they billed me, though on the bill it said This is {$2.00} ( other debits ), fees charged {$21.00}, ( past due ) amount {$5.00} The bank in question is XXXX XXXX XXXX in XXXX, Ohio Thank you in advance for your looking into these questionable practices, so someone else doesn't get bilked. And a correction to the credit reporting agencies, with a copy for my files.
Product: Credit reporting or other personal consumer reports

I have a 60 day late payment on my credit report from Capital one. I have never been late on my credit card. I am asking capital one to remove the late payments! 

XXXX XXXX XXXX XX/XX/XXXX Capital One Bank XXXX XXXX XXXX XXXX, XXXX Payment Status Pays account as agreed Worst Delinquency 60 days past due Balance {$4300.00} Credit Limit {$12000.00} OLDER DEROGATORY EVENTS Capital One Bank XXXX XXXX XXXX XXXX  Older Derogatory events XXXX XXXX XXXX XXXX  days XXXX XXXX, XXXX XXXX  days late XX/XX/XXXX, XXXX, XXXX. XXXX, XXXX XXXX  days late
Product: Consumer Loan

XX/XX/XXXX has violated my rights as a consumer several time in the past 7 months ... ... left 2 vm XXXX XXXX XXXX ... ... 3 vm XXXX/XXXX/2015 ... .2 vm XXXX/XXXX/2015 and I have saved all records. ... they also went into my bank account unauthorized XXXX/XXXX/2015 and on XXXX/XXXX/2015 gave my account details to unauthorized third party ... ..I 'm sure I 'm not the only consumer they 've done this to and this needs to be investigated. ... at this time the only resolution ill accept after so many violations is payoff on my acct number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please investigate the following information. XXXX XXXX XXXX # ... XXXX. The address for this creditor is incorrect, correct it or delete this account. The date of 1st delinquency is incorrect, correct it or delete this account. The high balance is incorrect, correct it or delete this account. XXXX/XXXX XXXX XXXX # XXXX. Date open is incorrect, correct it or delete it. Date of first reported, correct or delete this account. The high balance is incorrect, correct it or delete this account. Payment history is incorrect. Correct or delete it. XXXX/XXXX XXXX XXXX # XXXX. Date open is incorrect, correct it or delete it. Date of first reported, correct or delete this account. The high balance is incorrect, correct it or delete this account. Payment history is incorrect, correct or or delete. Correct or delete it. XXXX XXXX XXXX   # XXXX. Date open is incorrect, correct it or delete it. Date of first reported, correct or delete this account. The high balance is incorrect, correct it or delete this account.The high balance is incorrect, correct it or delete this account. Payment history is incorrect, correct or or delete. XXXX/XXXX XXXX XXXX # XXXX. Date open is incorrect, correct it or delete it. Date of first reported, correct or delete this account. The high balance is incorrect, correct it or delete this account. The high balance is incorrect, correct it or delete this account. Payment history is incorrect, correct or or delete. XXXX # ... XXXX Date open is incorrect, correct it or delete it. Date of first reported, correct or delete this account. The high balance is incorrect, correct it or delete this account. The high balance is incorrect, correct it or delete this account. Creditor address is incorrect. Correct pr delete it.
Product: Credit card or prepaid card

Company is not appropriately reviewing the documentation submitted regarding a disputed item, and is refusing to issue a provisional credit, despite the clear preponderance of the evidence. Company has an agreement with the merchant, which is the key reason for this behavior, and is resulting in an appearance of bias on the part the Company vis-a-vis the merchant. It may also be a violation of the Fair Credit Billing Act. Please see attached letter for more detailed explanation and documentation.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate cancellation and discharge of my federal student loan due to the recent data breach that compromised my personal and financial information. This breach has allowed unauthorized third parties access to sensitive data, including my Social Security number, drivers license number, date of birth, and contact information. Additionally, the breach has exposed the personal data of parents of dependent loan applicants, including their citizenship status and income information. 

This exposure is a direct violation of my privacy rights under multiple federal laws, including : 1. The Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) This law protects the confidentiality of student records. The unauthorized access to my private financial and educational data is a clear violation of this statute.

2. The Gramm-Leach-Bliley Act ( GLBA ) ( 15 U.S.C. 6801-6809 ) This act mandates financial institutions, including student loan servicers, to ensure the security and confidentiality of consumer financial information. The failure to protect this data constitutes noncompliance with GLBAs Safeguards Rule.

3. The Privacy Act of 1974 ( 5 U.S.C. 552a ) This act restricts the disclosure of personal information without consent. The breach has resulted in the unauthorized access and potential misuse of my personal records.

4. The Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ) The exposure of my Social Security number and other identifying information significantly increases the risk of identity theft, potentially impacting my credit report and financial standing. 

Given the severity of this breach, I no longer have confidence in the security of my financial obligations under the federal student loan program. This violation of my rights places me at an increased risk of fraud, identity theft, and further financial harm. Therefore, I formally request that my student loan be immediately canceled and discharged in full to mitigate the damage caused by this breach.