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

My Bank of America Accounts, XXXX XXXX  and XXXX XXXX XXXX accounts were all drained of deposits ( including payroll/cash and business checks ). They are riddled with fraudulent deductions and debits. 
My identity was stolen and my XXXX! credit score was demolished. They are utilizing VR equipment to torcher, stalk, harass and obtain private information. My entire house was emptied out. I have millions of dollars in damages and have been continuously refused reports by XXXX XXXX XXXX. I have been brought up on false charges. I have names of several officers and their family and friends.
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. Furthermore, they dispute resolution process was unfair and deceptive, as they did not comply with era 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: Debt collection

XXXX XXXX  XXXX XXXX hired MCA collections For the second time to collect " owner '' fees from me when they know I do not own property In XXXX XXXX nor have I ever.The most frustrating part is I just went threw this same thing last year and they removed it. Knowing that the collection agent saw the problem last year after my complaint and removed it, then placed it again this year is absurd to me. Knowing they keep files on very transaction.I have documentation showing my case for complaint. I am currently going XXXX XXXX XXXX for XXXX XXXX, then XXXX XXXX. Trying to get things in line for my wife and then there is this. AGAIN I DON '' T NEED THIS RIGHT NOW HELP ME They are using their power abusively, knocked my credit score down 31 points in a month.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report was affected because one of my banks made a delinquency report for my credit account and because of that the credit limit on that credit card was reduced and another credit card was closed. The truth is that I didnt pay my credit cards because I was in XXXX XXXX ( XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX and wasnt able to use my phone. I want to know if i can fix this issue or if there is a law that protects me from this kind of problem.
Product: Debt collection

I have received multiple letters from XXXX Inc. attempting to collect a medical debt from me. The phone number they provide on their letters goes to an automatic voice message stating that all representatives are busy and to leave my personal information. I have left a handful of voice messages with my name and contact information ; however I have not XXXX received a phone call back. This process has been ongoing for well over a month now and I can only imagine how much worse my credit score is being affected by this process. I am looking to pay my debt ; however can not reach anybody via phone and the website they provide also does not allow me to log in. I promptly get logged out to due an " error '' each time I attempt to log in. This is getting extremely frustrating and has caused me to file a complaint.
Product: Mortgage

Nationsar Mortgage is not acting in good faith as I attempt to short sale my home. 

Property originally listed on auction site and did not disclose the HOA assessments and that they have to be paid in full at closing, even though this was disclosed to the lender on several occasions. By not disclosing the full details of the property, they are misleading potential buyers and thus causing buyers to initiate releases once it is determined the loan can not legally close without additional payments to the HOA. 
We have submitted documentation to them showing that the HOA assessment is a legal requirement of the development and must be paid in full ; they are refusing to submit the file to the investor for their review and consideration of the new HOA assessment facts. 
Servicer was speaking to the auction buyer even after they signed a release and was trying to move their offer forward after receipt of a new executed offer in their systems. Once we educated them on contract law, they discontinued their illegal communication with the previous buyer immediately. 
Manager stated she would submit all of the HOA documentation to the investor for their consideration before we countered the buyer, however, she is no longer honoring her original instruction. 
All of the delays/negligence is causing direct harm to you as the seller as it is pushing you closer to foreclosure, more harm to your credit scores and increased tax consequences. 
The negotiator assigned to this file is not only rude and unprofessional but seems to be working against us and not with us to get this file moving forward. We have asked several times to have her removed from this file at no success ; this is a compliance requirement of the lender when a 3rd party asks for reassignment. 
The counter we just received is inflated as they were going to accept the auction buyers offer of $ XXXX ( without the auction premium ) and now they are countering at $ XXXX to cushion their bottom line in order to offset the HOA costs. This directly harms you as the homeowner, but also forces a buyer to pay an inflated price on the property which then causes further harm to the development and economy as prices inflate to unreasonable and/or unsubstantiated values
Product: Money transfer, virtual currency, or money service

Someone persuaded me to invest money in coinbase. The money disappear in the account of coinbase. Coinbase did not give me any response after. I am asking for a refund.
Product: Bank account or service

Well Fargo 's system displayed incorrect account information causing overdraft fees, that I am not responsible for, due Well Fargo system error. On XXXX/XXXX/2015 my bank account was charged a total of XXXX overdraft fees from Wells Fargo. This is not possible due to the fact that i had money in my account prior to any purchases made. I called customer service and they told me that it was a system error, but unfortunately they can not reverse the charges. This is unacceptable, I should not be forced to pay overdraft fees when I did not overdraft
Product: Checking or savings account

Please refer to complaint XXXX. This complaint was considered a duplicate of an open case XXXX and closed on XX/XX/21. 
I would like to have the case reinstated as it is not a duplicate complaint. 
Some of the issues were previously reported, however, there continues to be flagging and profiling of my account. 
Most important and not addressed is the illegal action of holding my Direct Deposit Social Security funds. This prevented the payment of my rent, utilities and other time sensitive payments. It took me hours to get someone to research the reason for the hold being placed and finally threaten a lawsuit for illegally holding Social Security funds. I was not provided a reason, but I know it was because of flagging and profiling which is Discriminatory. 
The latest fiasco was explained in detail in the closed complaint. 
To date, PNC has not responded to XXXX nor to my direct messages to them about the one XXXX closed as duplicate. It IS NOT a duplicate. It is a reiteration of the illegal practices which continue. 
XXXX is supposed to oversee consumer abuse and ensure there is not illegal activities by the financial institution. Just sending the complaint to the bank and relying on their honesty and integrity to address and correct the problem does not work. 
The complaints are not taken seriously and any wrong doing continues with no consequences for the financial institution. 
If a person continues to file complaints they are considered an Annoyance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in XXXX. XXXX. The Bankruptcy court however did NOT REQUIRE me to send mortgage payments to the XXXX. I AM paying them directly thru my personal account. Thus allowing me to be XXXX XXXX. I HAVE BEEN paying them and not misssed payments on these two. One was Opened in XXXX XXXX XXXX XXXX  ) as an equity loan. Trans Union IS NOT SHOWING this loan or my # XXXX mortgage loan ON MY Credit Reports!!! They are Not listed so I have NO credit history or a FICO score. 

The bank ( XXXX ) along with an attorney of mine several years ago tried to rectify this problem. TransUnion has IGNORED this problem. 

The main mortgage on my home is also NOT SHOWING on my credit report.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX ) The following account is reporting incorrect, inaccurate and imprecise information. Account name : XXXX XXXX Account number : XXXX Fraudulent balance : {$8800.00} This account is the result of identity theft. This account does not belong to me, I have never had any kind of business relationship with this company. Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act Sec. 611 ( a ) ( 1 ) ( A ) and I am maintaining a precise record of actions, including the method of verification. I do not consent to any e-Oscar, or any other means of automated verification. This account is duplicated on my credit report, please remove from my credit report. 

XXXX ) The following account is reporting incorrect, inaccurate and imprecise information. Account name : XXXX XXXX XXXX  Account number : XXXX Fraudulent balance : {$3100.00} This account is the result of identity theft This account does not belong to me, I have never had any kind of business relationship with this company. Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act Sec. 611 ( a ) ( 1 ) ( A ) and I am maintaining a precise record of actions, including the method of verification. I do not consent to any e-Oscar, or any other means of automated verification. 

XXXX ) The following account is reporting incorrect, inaccurate and imprecise information. Account name : XXXX XXXX Account number : XXXX The status of this account should indicate paid as agreed. 
Fraudulent balance : {$3100.00} This account is the result of identity theft. 
This account does not belong to me, I have never had any kind of business relationship with this company. 
Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act Sec. 611 ( a ) ( 1 ) ( A ) and I am maintaining a precise record of actions, including the method of verification. I do not consent to any e-Oscar, or any other means of automated verification. 
This account is duplicated on my credit report, please remove from my credit report. 

XXXX ) The following account is reporting incorrect, inaccurate and imprecise information. 
Account name : XXXX XXXX Account XXXX Fraudulent balance : {$320.00} This account is the result of identity theft. 
This account does not belong to me, I have never had any kind of business relationship with this company. 
Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act Sec. 611 ( a ) ( 1 ) ( A ) and I am maintaining a precise record of actions, including the method of verification. I do not consent to any e-Oscar, or any other means of automated verification.
Product: Checking or savings account

BANK OF AMERICA ( BofA ) HAS DONE ME DIRECT HARM REPORTING ME TO XXXX FOR FRAUD!!! 
WHEN IN FACT I AM/WAS NEWLY XXXX DUE TO COMPLICATIONS OF LONG-TERM XXXX XXXX ( XXXX XXXX! WHEN I FELL VICTIM TO A XXXX SCHEME. 
I IMMEDIATELY FILED A POLICE REPORT ( OFFICER CAME TO MY HOME! ) - & WENT TO LOCAL BofA BRANCH & SPOKE W/BANK MANAGER. SHOWED HER POLICE DOCUMENT- AS WELL AS SLL INFORMATION I HAD RE : BANK IN XXXX- ETC. 
BRANCH MANAGER IMMEDIATELY OPENED!! A NEW!! ACCOUNT!! CLOSED THE OLD ACCOUNT- STATED IT WOULD BE TURNED OVER TO FRAUD FOR INVESTIGATION- & CHARGED OFF.

NEVER RECEIVED ANOTHER COMMUNICATION- BY PHONE- IN WRITING- OR OTHERWISE OF ANY DEBT OWED FOR THE FRAUD OR INVESTIGATION OF BANK IN FLORIDA WHERE FUNDS OBVIOUSLY WENT!?!?!? REALLY!?!?

INSTEAD BofA SNEAKILY ( HAD NO IDEA W/GOOD CREDIT SCORE!! ) REPORTED ME TO CHECKSYSTEMS- WHILE KEEPING ME AS A CUSTOMER THEMSELVES- MAKING OFFERS- ETC.- AS COMMITTING FRAUD!?!?! VICTIMIZING ME AGAIN & AGAIN BY FIRST REPORTING ME AS A CRIMINAL- & FRAUDSTER IN XXXX. THEN REPORTING ME AGAIN IN XXXX??? WITH A CLOSURE STATUS DATE : XXXX!!! 
AFTER BofA OUT OF THE BLUE- & WITH NO OPPORTUNITY TO RESOLVE ANY OUTSTANDING BALANCE THAT EXISTED?!?- HAS BEEN EFFECTIVELY BLOCKING ME ALREADY FOR SIX ( 6 ) YEARS- THEN USING THE CLOSURE STATUS DATE TO BLOCK ME FROM HAVING A CHECKING ACCOUNT ANY OTHER PLACE BUT BofA!!! FOR HOW MUCH LONGER??? I!! WAS!! THE!! VICTIM!! LOSING MORE THAN {$10000.00} THIS COMPLAINT IS ALSO GOING TO THE FEDERAL RESERVE!! THIS BANK NEEDS YET ANOTHER INVESTIGATION INTO THIS HORRIBLE PRACTICE!! 
HOW MANY OTHER CUSTOMERS ARE BEING NEGATIVELY IMPACTED AT THIS MAGNITUDE!?!?! 
ANOTHER CLASS-ACTION NECESSARY TO STOP THIS ABUSE TO VICTIMS- XXXX  SENIORS!!!!
Product: Debt collection

in XXXX I viewed copies of my credit reports. I seen several discrepancies at which time I disputed these accounts with the credit bureaus. several accounts were updated except for a few accounts. I disputed them again to no avail. I then called this collection company " Albuquerque collections '' at which time I spoke with a co. rep " XXXX XXXX ''. I told XXXX XXXX about the account being discharged in bankruptcy. she said that they did n't know anything about a bankruptcy, but would look into to it. she asked me to provide her with all of my information for verification, I did. she then told me she would remove this account from their records and update it with the bureaus. she also said they report to the bureaus once a month and this would in fact be updated within 15 days, which was their next reporting schedule to the bureaus. nothing was updated as of XXXX. I called them again and spoke with another rep. by the name of XXXX XXXX, who also asked me for all of my info. I complied, put me on hold and then she came back on the phone and told me that there was a mistake made previously and that she would in fact correct the mistake and update the account. as of today XXXX, this collection account from Albuquerque collection co. is still reporting this account as an " open account '' with a balance of {$240.00}. my bankruptcy was discharged in XXXX and 8 month later this company is still violating my rights under " the fair credit reporting act ''. about 2 or 3 days after my first call to this co. I started getting after hours phone calls from XXXX XXXX. XXXX '' logo. wanting me to take her out to dinner and wanting to spend the night. XXXX XXXX also told me that they are paid on commission and get a percentage of what they collect. I wonder how many people they sucker in to paying them, especially if they have a legitimate dispute of the collection.
Product: Debt collection

XXXX XXXX  closed the account and sold it back to original creditor. Please remove from my credit file. 

See attached letter from XXXX
Product: Debt collection

I cancelled service with XXXX  in XX/XX/XXXXand the company continued to bill me. I was told packaging to return the equipment in days but I did not receive packaging until months later. I sent the equipment back and received a bill with XXXX dollars added to the regular bill. The company stated they did not get the equipment back and continued to bill me. Three months later, I received another bill with missing cord added to the bill. Now a collection agency, that I am unable to speak with, sent me a letter saying I owe XXXX but will accept XXXX. I have called 5 times today, XX/XX/XXXX, and I have been cut off 5 times. They asked for my Social Security number which I refused to give but gave them my address. As I began to speak, I was immediately cut off. I do not owe this bill and I have made all the attempts I plan to make regarding this matter. Then my phone start ringing with unknown numbers and I refuse to be subjected to this any longer.
Product: Credit reporting

I 'm a XXXX XXXX XXXX in XXXX and I was n't able to submit an electronic request for my credit report from my country of service. I had a friend in America navigate the website for me while I was skyping him and we could n't get through the security questions for XXXX and Equifax. None of the questions they asked applied to me and then I was blocked from getting their credit reports. When this happened I was told to submit a written request for my credit report with identification and a current bill. I had my mom, who has power of attorney for me, send in the form with my identification and a note explaining that I am in XXXX and have no current bills and they refused to send her a credit report on the basis that she is a third party and that I could n't provide a current bill, of which I have none. 
If there is incorrect information on these reports from XXXX and Equifax , this is the SECOND time they will have negatively affected me. I have student loans coming my way that depend on a good credit check and if I ca n't get them, I ca n't go to XXXX XXXX. 
I am a volunteer so I literally can not afford to be calling all the time, especially when this should be a simple task. My email is in my contact information and I want you to only contact me that way unless you want to take charges for international calling.
Product: Debt collection

Incorrect names reported on my credit report that needs to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect address on my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX debit collection was added to my credit report on XX/XX/year> from the following company : Creditor 's Name : Collection Receivables Account Number : XXXX Amount : {$380.00} Address of creditor : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am complaining in two parts, firstly XXXX  XXXX is reporting incorrect and defamatory information to the credit bureaus. The account was paid off with a settlement from XXXX due to the car being totaled. According to XXXX  XXXX and the 3 credit bureaus the account was written off, which is absolutely incorrect. I have submitted documentation of this, indication of total loss letter by XXXX. This is a violation of the fair credit reporting act. 

I am requesting intervention in this matter. I am also requesting assistance with XXXX XXXX and the erroneous information they are refusing to correct it as well. 

I sent information to them 2 years ago informing them I did not reside at this apartment for the timeframe they indicated. I sent usual receipts and documentation. I need to know if I need to file a report with the courts to assist me in this matter. I am not paying for something in which I moved out and did not reside at.
Product: Credit card

JCPenney is charging me {$2.00} ( Minimum Interest Charge Purchases ) each month unless I pay my balance in full by the end of my XXXX  Day Billing Cycle ( ie from XX/XX/year> to XX/XX/year> ) This means I would need to pay my balance beforeI get a statement ( I received it XX/XX/year> ). Previously I had no interest charge if I paid it before Payment Due Date ( XX/XX/year> ). I talked to their Customer Service, but was told I got a letter about it. It still doesn't make sense to be that I need to pay a bill before I receive it. I have historically paid each month as soon as I receive the statement. They recently changed to Synchrony Bank/JCP . Does this have something to do with this charge? On the Consumer Finance website under Synchrony Bank Rates and Fees Table JCPenney Credit Card it states that I have 23 days after the end of the billing cycle to pay my balance in full to avoid interest charges.
Product: Student loan

I contacted XXXX XXXX in XXXX about qualifying for the federal student loan forgiveness program in XXXX after 120 on time payments and was on track to keep track of my government employment so I would qualify. In XXXX, I contacted Navient to make sure I was still on track, only for them to tell me I did not have the right type of loans for that. They now wanted to set up an income based repayment plan, which would not have benefited me at this point in any way since I would likely pay of the loans after 120 more on time payments just to qualify. I have been paying on {$33000.00} in student loan debt since XXXX at more than {$200.00} per month and still owe more than {$18000.00} on these loans. Something ca n't be right for 20 years of payments thus far.
Product: Payday loan, title loan, or personal loan

I recently had an installment loan with Speedy Cash. On XX/XX/XXXX I paid the loan off in full. However, the company has a 3 business day payment processing so it was officially paid in full on XX/XX/XXXX. On XX/XX/XXXX I emailed the company to request a paid in full email verification and I also requested that my account containing my debit card and bank account information be deleted. Since the account is paid in full I no longer want my personal banking information to be stored in their system as this puts my personal information at risk. On XX/XX/XXXX a customer service rep responded via email claiming that by law they are required to keep my banking information in their system. This doesnt make sense to me since the account is paid in full and I no longer owe them. I understand they may have to keep account information such as loan amount, payments, status etc however I no longer want my personal banking information ( checking account number and debit card number ) stored in their system.
Product: Debt collection

ENHANCED RECOVERY COMPAN XXXX {$1000.00} past due on a collection fcra violation I HAVE DISPUTED THIS ACCOUNT A NUMBER OF TIMES AND IT STILL COMES BACK ON MY CREDIT REPORT AS VERIFIED
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX Balance : {$2200.00} XX/XX/XXXXXXXX Balance : {$0.00} XX/XX/XXXX XXXX Balance : {$240.00} XX/XX/XXXXXXXX XXXX Balance : {$3000.00} XX/XX/XXXXXXXX Balance : {$13000.00} XX/XX/XXXXXXXX Balance : {$0.00}