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

PPP loan denied because there was an error on the account application that inaccurately showed that I was a foreight national. IAM NOT-I AM A US CITIZEN RESIDING IN THE USA. NOONE has called me back or helpd. Not my local branch manager XXXX XXXX here in XXXX. WHO CAN REMOVE THIS BLIGHT From my account at CHase under XXXX XXXX XXXX!!!!!!!!!!!! 

CHASE- DO THE RIGHT THING!!
Product: Student loan

I co-signed for my niece to take out a student loan. The original amount was {$22000.00}, that was nearly XXXX years ago. The loan amount I 'm being told is now due is {$29000.00} XXXX unpaid principle ). Ive been paying {$100.00}, per month for XXXX years. Ive been trying to understand why my niece was being charged accrued interest during the entire time that we understood that her hardship grace period was in effect. The company 's representatives have not been able to explain in any wat that I can understand their accounting practices. 

My niece is still in school. She is not able to make any payments. 

From XXXX XXXX thru XXXX XXXX she was supposedly on a " rate reduction hardship ''. I was still making those payments throughout that time
Product: Checking or savings account

XX/XX/2020 my spouse opened an M & T account. The M & T banking representative, Ms. XXXX XXXX XXXX, located on XXXX XXXX in XXXX XXXX, MD, had him to call me at home and ask me for my social security number to add me as a beneficiary to his account. I asked her for the documentation listing me as beneficiary, but she said the documents were not needed, that she was just going to put my social security number in the system ; but that a statement would be mailed out. The bank statement which was mailed listed me as XXXX. I never authorized the bank representative to do anything other than what we had spoken about over the phone when I gave her my social security number, and was not aware at the time that she wrongly collected my social security number and connected me to my spouses account as an owner. 

That same month, XX/XX/2020, strangely my direct deposit of {$500.00} that was part of my by-weekly pay that should have been deposited with XXXX XXXX XXXX was deposited into my spouse 's M & T Bank account ; an account I don't own. What the M & T representative did was collected my social security number wrongly and told me she was setting me up as beneficiary, when in fact she used my social security number and named me as an owner of a bank account at M & T bank using my spouses account without my permission, authorization, nor signature on file with the bank, nor was I physically present ; and she hid what she did by mailing a statement showing I was XXXX on his account. Yet, this created a fraud alert. 

Money can not be deposited into a bank account you don't own. Therefore, the bank representative set me up for fraudulent activity on an account I do not own at a banking institution by adding my social security number in the system, and making me an owner, yet with no signature cards with the bank that would amount to fraud. And with no documents with the bank showing that the direct deposit was proper, which it was not, it would be counted as fraud. However, M & Ts own bank representative committed the fraud by wrongly using my social security number. 

I believe this has resulted in a fraud flag because my bank, XXXX XXXX XXXX has blocked me from using my ATM Card. I am unable to make purchases, deposits, nor withdrawals from the ATM. Also, XXXX XXXX representatives are not consistent in their explanation as to the reason why my ATM card is blocked. XXXX XXXX XXXX  representatives are also violating banking laws by not providing proper information to a bank consumer regarding their bank account. Therefore, because of the way Im being treated, I suspect they have been alerted to some sort of fraud I have not committed.
Product: Bank account or service

Hello, I was trying to make an online purchase with my debit card. my problem started when I got a " verified by visa '' window upon my payment confirmation. The page asks for SSN to verify the card 's holder identity. Bank of America does not have my SSN in their database, because when I first opened my account I Had n't had an SSN. I called the customer service to solve this issue ( which they did last year, when I was trying to purchase a ticket from the SAME company ). After several attempts to reach a representative ( which took me literaly XXXX hour ), they promised to bypass the verified by visa page by sending an email to XXXX and ask them to lift the hold on my card. When I resumed my payment, the verified by XXXX window disappeared, by to my great surprise, my transaction was again denied, and I immidiately received a text message from bank of America saying that my card is restricted! I called the customer service again, and all they have to say was : " We need to verify your identity, but this can not be done over phone! ". I was left with XXXX options, according to them : either to discuss this with your local BofA branch today ( they know that it is a saturday, so obviously the branch is closed! ) or to fax them XXXX copy of my passport, and XXXX back-front copy of my debit card with XXXX signatures! 
I am very disappointed because they ignored my request when I said that this restriction was put on my card right after the XXXX department lift the old on my card, and also because they refused any comprise, especially that it is a weekend and I have no access to a fax, nor could I possibly find an open branch on a saturday evening! I am also surprised and confused because the exact same issue happened to me last XXXX, but I did not have to go through all this frustration : Total non-chalance from the staff, plus a very rigid policy that do not even allow customers to negotiate. 
This is not the first time that they place a hold on my account for trivial reasons, but this time it is really intimidating, because I am left with no money over the weekend. I called to solve a problem, now I am left with a worse problem, which is not being able to manage my own money! Not to mention that by the time BofA " solves '' this issue I might not find an available seat on this flight anymore on monday!
Product: Mortgage

My home was put into forbearance of XX/XX/XXXX. 

I was suppose to close on my home in XXXX of XXXX but it was brought to my attention that I owed {$8800.00} for my back property taxes in XXXX. My Settlement statement from Flagstar on XXXX XXXX states that my escrow advance balance to flagstar was {$10000.00}. 

I was not allowed to close in XX/XX/XXXX because of my back property taxes. So I had to get a loan to bring that amount to closing. So that caused my deal to fall through I got another offer for a higher price so I was able to move forward to close in XXXX XXXX. I received my second Settlement Statement on XX/XX/XXXX and flagstar had decided to pay the whole property taxes in advance for the year XXXX in my escrow account. Flagstar told me they did this so I would not have a lien on my home. So if you look at the Settlement statement on XX/XX/XXXX escrow advance balance to Flagstar is {$20000.00} compared to only {$10000.00} in XXXX of XXXX. Almost XXXX increase in just 2 months. I only owed property taxes for XX/XX/XXXX for the year of XXXX. They charged me for the whole year. 

I have both settlement statements and the emails from the title company stating that Flagstar did increase my escrow balance for XXXX. XXXX was collecting all XXXX taxes for payoff and then Flagstar would have to reimburse me for XXXX taxes. Flagstar refused to adjust my payoff balance and demanded I bring all of XXXX property taxes to closing. 

Title company also stated FlagstaXXXX did not turn the taxes in. Title company agreed that is was not right that Flagstar forced me to bring all of XXXX property taxes to closing since I was about to do a payoff again. 

So I will be needing my reimbursement on property taxes for XXXX XXXX XXXX or I will be getting an attorney and contacting Consumer XXXX XXXX XXXX for fraud. Flagstar has withheld my reimbursement since XXXX of XXXX I have included the email conversations with my real estate agent and escrow officer discussing the XXXX property taxes. On how they were collected and never turned in. This is complete fraudulence
Product: Money transfer, virtual currency, or money service

I am finally gon na complain 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, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electric 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is illegally showing on my credit report as an Alleged Debt. This account is fraud and has been wrote off as bad debt by the issuer. This credit account is NOW a INCOME. INCOME IS NOT SUPPOSE TO SHOW ON MY CONSUMER ACCOUNT. THIS IS A {$1000.00} VIOLATION and I will pursuit litigation if this account is not removed.
Product: Credit reporting or other personal consumer reports

I have reviewed my consumer reports and notice I had two late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to their best of their ability with maximum accuracy. I have never been late on payments for the account that I have included screenshot inside this complaint in and on this XXXX XXXX, and XX/XX/. Please Investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated and to paid as agreed on time as they should be due to the fact I was never late. Please see screenshot attachment
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is horrible. The lowest FICO score that I have is from this reporting agency. Why isn't there ONE method of determining FICO scores! each agency is different with Equifax being the WORST! I can't log into my report on line to dispute 2 medical collections that Equifax STILL has on my credit report, while XXXX and XXXX XXXX have deleted them! I tried to get them on the phone, but after 43 minutes on hold one time and 56 minutes another I gave up! In addition I want to know why my Equifax score is so much lower than my other two credit bureau scores but without being able to access my report, it's impossible to tell!!!!!!!! 

If the government can't do anything about having these rip off collection agencies reporting medical debt on someone's credit report, then do something about freakin Equifax at least. 

For credit card loans you know what you are getting into. You sign an agreement to pay a debt. No one signs an agreement to get sick or for their children to get sick but despite this, medical debt continues to affect your XXXX credit score and with a reporting agency like Equifax you cant do anything about it because you can't access your account!
Product: Debt collection

Printed on XX/XX/XXXX, Afni , Inc. sent me a debt collection statement. I opened said letter on XXXX XXXX. The letter states Afni is attempting to collect a debt that I owe to an XXXX XXXX XXXX account ( provided in photo ), claiming that as of XX/XX/XXXX, I owed {$980.00}. I have no account with XXXX XXXX XXXX XXXX nor have I ever ) and this company is trying to defraud me of a XXXX dollars. 
Further, I have received no correspondence from XXXX XXXX XXXX on such matters.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Collection XXXX XXXX XXXX XXXX - Late Payment XXXX XXXX XXXXXXXX XXXX Payment XXXX XXXX XXXX XXXX Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late Payment
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in addition to complaint ID XXXX I am a natural person. I am a living, human being, I have rights under 15 USC 1681. Equifax is governed by 15 USC 1681. They violated my rights numerous times. I demand the accounts listed below be removed, because according to 15 USC 1681 : I have the right to privacy, and I did not give Equifax written permission to furnish these accounts. I have been fighting this debt forever, as it is not mine. I have made numerous attempts to understand the inexplicable pattern of so many inquiries one after the other the same day, the same lender, repeatedly within a month but, what I can't seem to understand is how the top companies in the world couldn't flag such activities on my account but worse than that you couldn't even contact me to make sure it wasn't an error. I repeatedly try to look for answers and explanations from you and was led to believe without even questioning its legitimacy. I'm a VICTIM of Equifax DATA breach in XXXX. I have rights as a victim. 
XXXX XXXX XXXX Acct # XXXXXXXX XXXX {$2000.00}, XXXX XXXX XXXX I Acct # XXXX XXXX {$19000.00}, XXXX XXXX XXXX I Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Bal {$1500.00}, XXXX XXXX XXXX XXXX XXXXXXXX Bal {$1700.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/2021, I attempted to log into my Coinbase account and I was unable to log into it. I got a new phone so I was requested to verify my identity by providing my driver 's license. I provided the front and back copies of my driver 's license and then I was asked to appear on webcam, which I did. The verification was denied. I tried several times and it was denied. I do not know why it was denied but I feel that my account has been hacked or there is some unauthorized activity going on. I was asked to provide a legal document with my name but I am feeling uncomfortable doing that because I have been a victim of identity theft before and I feel that the verification was denied on no valid basis. I am the same person that created the account and I could prove this to the necessary authorities. However, the problem is I am being blocked from my own funds because Coinbase has possibly been hacked or denying verification due to no valid basis. 

I want to withdraw my funds and close the Coinbase account. I am very unsatisfied with this platform.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX, XXXX, & Equifax notifying them all also showing proof of Identity Theft & showing The XXXX XXXX XXXX XXXX XXXX XXXX the XXXX XXXXXXXX XXXX XXXX doesnt belong to me nor have I allowed anyone to open them in my name they have all responded saying they placed it back on my credit report because the Creditor responded to the dispute saying the accounts belong to me & Im responsible this is very wrong & my credit reports should not have this negative information reporting.
Product: Mortgage

I currently have a second mortgage serviced by Shellpoint Mortgage Servicing. I began calling them on XXXX XXXX/XXXX/2016 regarding the XXXX/XXXX/2016 maturing or the loan. Since then I have talked to XXXX different individual on XXXX different occasions. They stated the only options were to pay the {$59000.00} balance or refinance. I informed them, I do not have the funds to pay off and wanted to refinance. They stated someone will call me back within 24 to 48 hrs. This call back was not returned and I had to call them multiple times with the same promise. After promising a call back 3 times, someone finally called me and state that they do not do refinances any longer. They dodged me for over a month and now tell me my only option it to pay in full. My first and second mortgage are greater than the value of my property which does not allow me to refinance with someone else. The only way to payoff is to take funds out of my XXXX which will be devastating with me being XXXX. Why do they state on the invoice they send me that if you can not pay at maturity to call them for options if there is only two options - payoff or default. This organization is at the least understaffed and undertrained to support their customers since they can not return calls or answer your questions when you call. At the most is deceptive in delaying answering thus placing the customer in a position that they can charge late fees and legal fees when a customer can not pay off the loan. Additionally, when you ask to speak to a supervisor, no one is available. It is impossible to speak to anyone above the first level customer service agent. It is amazing that the mortgage holder is unwilling to modify the maturity date to eliminate the potential of a default but it appears the servicer is more concerned it cost containment and doing the minimum service required than to reduce losses for the mortgage holder and service the customer. I have my home for sale but the market is not very good.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX intentional put this comment on my credit report because I decided to close my account. 

COMMENT ADDED BY XXXX XXXX  : Account closed at consumers request and dispute investigation completed consumer disagrees. 

Please Note : What is accurate about the statement : I did make the chose to close my account XXXX XXXX as it was no longer a trade-line that suited my needs anymore. I also sincerely felt under-valued as a customer by XXXX XXXX. The tramline limits where extremely low and rates to high in comparison to my other trade-lines. I also did not have the best customer service experience with request to adjust rates and increase limits. Thus, I chose to close the account in good standing. 

Was is not accurate about the statement : No dispute was filed internally with XXXX  XXXX, nor with XXXX, XXXX, or Experian regarding my request to close an account ( I simply just went online and closed it ). Nor a dispute regarding balances, credit limits, or interest rate. Thus, it is false to make such a statement on the comments of this closed trade-in. As there was no Resolute to dispute. I just simply didn't want to do business with XXXX XXXX anymore. 

Furthermore, I sincerely believe this type commenting was intentional place on my file in a malicious to insure other credit opportunities might be withheld from me by implying that I dispute after resolution. Which would be a direct violation of the Fair Credit Reporting Act. 

Thus, I am requesting the comments be removed completely from XXXX, XXXX, and Experian and XXXX.
Product: Credit card or prepaid card

Credit Card was in repayment plan after closed by bank, The card was current and was not late on payments when closed They have charged interest which took a long time to pay off
Product: Debt collection

XXXX XXXX, I began receiving repeated phone calls from various individuals from various phone numbers saying they were with Central Portfolio Control. When I asked what the calls were about, they said it was regarding a personal matter but couldnt tell me anything else unless I provided my social security number, date of birth, or other personally identifiable information. I explained that my identity had been stolen last year and in light of the prevalence of scams, I would not do so unless they contacted me in writing to let me know who they were and what the calls were about. On one occasion, XXXX XXXX informed me they sent written correspondence on XX/XX/XXXX, and I explained I never received anything. I also told her I am enrolled in the XXXX Informed Delivery program and receive emails daily with images of the envelopes being delivered to my mailbox each day and never received an email with an image of a letter from Central Portfolio Control. She said they would resend the letter, but to date, I have never received ANY written correspondence from Central Portfolio Control. On XX/XX/XXXX, I received notification that Central Portfolio Control reported a {$1500.00} debt delinquency to XXXX and XXXX-without ever telling me what they were calling about or sending written notification. Once I saw the amount, I immediately knew the alleged debt stemmed from a XXXX dispute with a former landlord who, to this day, has never filed a lawsuit or received a judgment against me. I called Central Portfolio Control and advised that I have repeatedly disputed the debt with the landlord, and multiple attorneys and debt collection agencies they hired who all failed to pursue the action-presumably because there is no legal basis for the debt. The dispute centers on whether I agreed to an early termination fee in a buy out agreement separately executed from the lease. The term termination fee appears nowhere in the buy out agreement or in the lease, and significantly, the apartment was rented before the expiration of my lease term so the landlord had zero damages. Under Arizona law, the landlord has a duty to mitigate damages and they did so, fully. At all times, I have disputed this alleged debt and no judge or arbiter has rendered a final judgment on this issue because the landlords attorneys and prior collection companies have all abandoned the endeavor and failed to file any legal action to recover the legally invalid debt. I have kept detailed records of all communications ( most of which were sent via certified mail with proof of delivery ) as well as the original lease and buy out agreement. I am fully prepared to litigate this case and maintain the alleged debt is legally invalid. Central Portfolio control unilaterally reported to the credit bureaus on an alleged debt they failed to properly verify or otherwise inform me of. My credit score has been adversely affected and I intend to pursue all remedies afforded to me by law.
Product: Credit card or prepaid card

Beginning XX/XX/2021, I received an email regarding my Discover card account that it was suspended from use, pending verification of some kind of tax records for the IRS. 

I submitted the required forms, then called Discover customer service or two different occasions on XX/XX/2021 to get an explanation of why my account was suspended. 

I have paid off my account monthly without hardly ever carrying a balance and have used it responsibly. 

If they wanted to verify my current income, I could have easily provided pay stubs from my employer, but instead they have not given me a reason as to why this sudden verification must take place, and the explanation was that it was a random automated verification. 

However, I noticed I was singled out after a request for a credit limit increase, which they provided instantly online with their system online, as well as approving an additional card to use. 

Both times I spoke to the accounts verification team I was terminated from the calls. I was upset and told them I may want to just close the accounts due to this inconvenience, and they I was abruptly hung up on, and no return call was attempted. 

I have also messaged them through their app with resolution, and they told that I was informed my account would be suspended for 5-7 days verbally, but never was informed verbally of this action, only by email after the account was already suspended. 

Pursuant to local state and federal laws, I believe I am singled out for discrimination.