23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I paid off the balance of my student loans on XXXX/XXXX/XXXX. Interest continued to accrue according to my navient account after my final payment. Saturday morning at XXXX MST they also debited my account for what was my typical monthly payment prior to paying off the remaining balance, overdrafting my account and leading to a rejected payment on my car loan. This resulted in overdraft fees and rejected payment fees. This charge was made two days earlier than my regularly scheduled monthly payment, in the early morning on Saturday. 

When I noticed that interest was accruing after my payment, I contacted Navient 's customer service department via their email contact service through my account describing the situation. I received an automated response that did not address the issue. After the Saturday morning wrongful charge to my bank account I attempted to contact them via phone immediately, to no avail, and submitted another email request. 

I have not yet been contacted in any way by navient.
Product: Credit card or prepaid card

I have used American Express Serve as my online banking for several years. On Wednesday XX/XX/XXXX I tried to log into my account and my password wasn't working. I then was prompted to call Customer Service to have my account unlocked. I called Customer Service and was told that my account was closed and I no longer had access to the account. I was told that the reason was noncompliance of member agreement?!?! I have over {$5700.00} in my reserve Savings account. The checking account is my primary banking account for all my government issued direct deposits and unemployment benefits. I had recently transferred money that were stored in other Savings accounts like XXXX, XXXX XXXX, XXXX, and XXXX XXXXXXXX. The customer service representatives have been very rude and given very little information about what is going on with my account/money. That is all the money to my name that they are keeping from me with no explanation of what I did wrong. I have done nothing illegal or even suspicious to cause them to take such actions against me. Please help ... .Thank You
Product: Debt collection

XX/XX/year> Account XXXX This debt collection on my report Im unaware of an I need proof of who sold the debt to this collection agency or have it removed from my report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXXXXXX XXXX  Account Number : XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I've raised several disputes concerning accounts that aren't mine, but they continue to appear on my credit report. Additionally, I've filed multiple FTC Reports regarding these incorrect accounts. Despite legal obligations, these companies have neglected to address the disputes appropriately. 

Account Name : XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX  Account Name : XXXX XXXX  Date of inquiry : XX/XX/XXXX  Account Name : XXXX  Date of inquiry : XX/XX/
Product: Credit card or prepaid card

My fianc was hurt on his job and we fell behind in bills, I had to choose between keeping roof over my head and food in the home of pay off my credit card bill. my balance on my chase card at the time I believe was {$5000.00} on one card and XXXX on a 2nd card I signed up for monthly payments so I wouldnt destroy my credit and I can pay down my balance somehow that program didnt go info affect and now my balance is almost {$10000.00} and all the payments I made didnt add up to anything,
Product: Credit card

The card is Best Buy. In XX/XX/XXXX I made a purchase. The purchase agreement was for extended payments until XX/XX/XXXX. I paid each month {$100.00} when my fee was only $ XXXX- {$27.00} I was charged Late FEES! of $ XXXX.For a total of {$60.00}! I paid the balance off without late fees in XX/XX/XXXX. I then made a regular purchase on XX/XX/XXXX for {$470.00}. When I received my statement, Best Buy says I owe XXXX! I tried calling them to clear this up. I spoke to XXXX people from a foreign country who could barely speak English! .When I asked for the United States XXXX they gave me to another foreigner who spoke better English and said they were from Idaho ! I do not know what is going on at this Best Buy credit card company, but it is not right. I will not pay charges I did not incur or owe. I paid my bill in full. Why am I still accrual charges? This is fraud by Best Buy credit card. Then they called me back after I told them I was at work! Why would they do that? I am not in arrears. The number that phoned back was : XXXX. According to XXXX, that area code is in Tennessee. Why are they telling me they are in Idaho? 
I ask you to look into this matter and find out why I am being charged an extra {$59.00}?
Product: Credit card or prepaid card

Subject : XXXX XXXX Bank of America Credit Card XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding my recent experience with Bank of America and the revocation of my credit card rewards without a proper explanation. I believe that my rights as a consumer have been violated, and I seek your assistance in resolving this matter. 

On XX/XX/XXXX ], I received notification from Bank of America stating that my credit cards were cancelled & when I tried to use my rewards it didnt let me when I reached out to them I was told that was there policy and they can not give more explanation.However, despite multiple attempts to seek clarification, I have not received a satisfactory explanation for this action. As a long-standing customer of Bank of America , I have always fulfilled my obligations and maintained a good credit history. 

I am deeply concerned about the lack of transparency and communication surrounding the cancellation of my cards & rewards. I have diligently accumulated these rewards through my regular card usage, and their revocation without a valid reason has significantly impacted my trust in Bank of America as a financial institution. 

I also have all my wealth management retirement accounts with them. And that really makes me think how I should trust a institution like this. I used these cards to pay for my child classes and regular daily gas groceries etc. 

I have attempted to resolve this matter directly with Bank of Americas customer support, but I have not received a satisfactory response or a clear understanding of why my rewards were revoked. Given the circumstances, I believe it is appropriate to involve a regulatory authority like the CFPB to ensure a fair resolution. 

I kindly request that the CFPB thoroughly investigate this issue and intervene on my behalf to rectify the situation. I seek an explanation for the revocation of my credit card rewards and appropriate restitution if it is determined that Bank of America has acted in error or violated any consumer protection regulations. 

I appreciate your attention to this matter and your commitment to protecting consumer rights. I look forward to a prompt and fair resolution of this complaint. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

I called McCarthy Burgess and Wolff The customer service representative said she would get a list of the charges and send them to me via email. We never received the email. 
Later i called to get the information again. The customer service agent would not give me the information. 
I called today XX/XX/24 and wanted the account number so i could access their website and was given a wrong number.
Product: Credit card

WE made a payment on our cc on XXXX. the conformation # XXXX. In the online payment instructions it states that payments are posted to the account within 48 hours. I called them and was on hold for about 30 min. i was told the funds would post to my account on XXXX! The funds were taken out of our bank account on XXXX. We believe that customer service is not a priority with this bank. They exhibit traits that lead us to believe that their financial profits are their only concern. ie ... long phone hold times and when payments are made the www instructions on the payment page are what consumers look at, NOT the fine print on the agreement. Due to their sharp business practices we will pay off the card and cancel it. 
Respectfully XXXX
Product: Checking or savings account

I renewed my CD with ALLY BANK on XX/XX/XXXX for one year. I called this bank on XX/XX/XXXX to find out what is balance of my CD. I spoke to MS.XXXX, She told me that balance is same as it was on XX/XX/XXXX. I asked there was no interest added to this account. The maturity date of this CD was XX/XX/XXXX. She was very stub-en & rude in behavior. I was surprised that it was fraud, Bank kept my money & paid no interest into this account. She told me that no manager was available to speak to me regarding this problem. This bank had very bad customer service. I am quite upset with bank.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX
Product: Debt collection

I have new and updated information regarding complaint number XXXX. Dunlap Gardiner LLP continues to use false, deceptive, and misleading information in its illegitimate attempt to collect this alleged debt. Its unclear to whom Dunlap Gardiner LLP is referring to when it references The owner. However, it is deceptive to state that membership to the association is by default upon purchase of a home in XXXX XXXX XXXX without providing legal proof in the form of a legitimate enforceability agreement between myself and the association to back up such a claim. Dunlap Gardiner LLP and its client, the association is not qualified to speak to the facts regarding the purchase of the home as it does not have firsthand knowledge to this consumer credit transaction as neither of the above mentioned was present at the time of this consumer credit transaction. Im the only one that can speak to the facts of that consumer credit transaction as I was the only one involved with this situation present at the time of the consumer credit transaction. Nowhere in the Hud-1 statement, or other closing documentations signed referenced anything about an agreement to join this fictitious association. Dunlap Gardiner LLP and its client, the association continues to infringe upon my federally protected rights as a consumer by its constant harassment, use of intimidation, use of false, deceptive, and misleading attempts to force me into paying this alleged debt in which Dunlap Gardiner LLP and its client, the association does not have any legal right to attempt to collect.
Product: Student loan

MOHELA is not properly handling PLSF requests. They constantly provide incorrect information, and hold times take 3-4 hours to get through to someone. Inaccurate information is provided and most associates do not know or are not able to handle requests. We have been trying for multiple months now to get the XXXX request completed. Information was submitted back in XXXX. Employment has been verified for both my employers ( I have two qualified full time jobs that Im working ) but MOHELA seems to not understand this. Ive been sitting at XXXX qualified payments since XXXX. I was told in XXXX XXXX and XXXX hadnt been processed yet, but they would and in the second week of XXXX, it would process, I would have an additional 60 months of payments ( I only need 1 more month ) and my PLSF would be completed. Well, its XXXX. Each time I call, you get transferred to a supervisor and the wait times are 3 hours minimum. We have been told so many different things, yet know one understands the issue and how to get the additional job payments qualified so that the PLSF will be completed.
Product: Checking or savings account

I am a XXXX XXXX XXXX who lives on a fixed income. I logged into my BofA bank account only to notice that I was missing {$3500.00}. This was very disturbing as I did not authorize this transaction. Below is synopsis of what happened the steps I took to recoup my stolen money. 

* On XX/XX/2021 an electronic draft of {$3500.00} was deducted from my Bank of America checking account without my authorization. 

* I fell victim to a scam. I received a call from someone who said that they were with XXXX XXXX. I was walked through a series of steps to supposedly update my info to thwart of this security hack. Unbeknownst to me at the time that this was a hoax. 

* I contacted BoFa fraud department to find a resolution to this matter. They in no uncertain terms tried to assist me. Instead, they deemed it my fault and would not remit the funds back to my account. Claim # XXXX * I also contacted XXXX of which I am a customer. Again, they were of no assistance. Ref # XXXX XX/XX/2021 ). 

* I also filed a complaint with the FTC. Report number XXXX. 

* I also filed a police report in the state of NY on XX/XX/2021. Incident # XXXX * I initiated a fraud alert to XXXX as well. 

* As I was embarrassed, I did not inform my son until recently. He recommended that I work with the CFPB to determine a fair and equitable resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022, To whom Can Help Me It Would Be Appreciated, On XX/XX/XXXX of XXXX I send certified letters to all three credit bureaus updating my personal information and asking that all incorrect information and inquiries be removed from my credit reports ; according to FCRA, Section 611 ( a ) ( 6 ) and ( 7 ) for a second time. There has not been any corrected or deleted inaccurate, incomplete, or unverifiable information within 30 days of receiving notice of my dispute. My report should not show I owe {$14000.00} due to loss from a natural disaster as stated by the annual report records and by the company itself with a date stamp. Also, the accounts for all the bureaus read closed with the date stamp on my report. It's reporting a debt as charged-off which was settled or paid in full due to loss from a natural disaster and listing me as a debtor on an account when I was only the authorized user. Since reaching out to the company my accounts have been reporting old debts as new or re-aged to show activity which can also be found on all three bureaus ' sites. I have started to receive calls from agencies attempting to collect multiple times a day. I have not heard from either of the credit bureaus by mail, email, or certified letter mentioning or confirming my updated information and it has been well over the stated 30-day window of verification. I have been working on my report since XXXX and attempting to contact you to have my information updated. In the previous months before sending my letters. I called the companies and signed up for their website as stated by their agents from calling for help. They cited this as " the only way to get the help I needed ''. That was a lie! It was a way to get money from me to pay them without being able to even see my credit report, let alone dispute fraud incorrect information to have removed. I am asking for this incorrect information, and inquiries to be removed. I am also asking to notify every CRA involved that I disputed the debt, submit corrected information to the CRA subsequent to investigating my dispute, refrain from continuing to submit the information that it knows ( or should know ) is incorrect, and inform me of the results within five business days. It has been 90 days which is past the lawful window of verification. I do not consent to XXXX  or any means of automated verification.
Product: Debt collection

I HAVE RECEIVED A LETTER FOM PLUS FOUR INC, A DEBT COLLECTOR CLAIMING I OWE THEM XXXX FOR SOMETHING MY INSURANCE SHOULD HAVE COVERED.REFERENCE # XXXX. I ALWAY PAY ALL MY DEDUCTIBLES PRIOR TO SERVICES RENDERED, PLEASE QUIT BOTHERING ME WITH THIS BOGUS CHARGE, I AM SSDI, MAKING MY INCOME FEDERALLY PROTECTED FROM SCAMS LIKE THIS.
Product: Checking or savings account

I received what I now know was a fraudulent call from someone posing as Chase Bank representative from a number that had a DC area code with a JP Morgan Chase caller ID. This number has called me repeatedly for weeks, often back to back, but I never answered because I assumed if it was serious, they would leave a message, which they never did. I decided to pick up today because I was worried. They referenced 2 charges that I had made to my debit card on the same day, which I confirmed. They then asked if I had authorized a charge at a XXXX XXXX in XXXX and mentioned that since I was located in DC, they assumed it was fraud. They offered to prevent the XXXX transaction and close my card. They needed my current address and pin number and gave me a temporary pin number and case number. Since I was going to be without a debit card, they set me up with XXXX XXXX, which I have never used before on any card. They sent me an official looking email from Chase confirming that I had set up XXXX XXXX. I told them I had never used XXXX XXXX before and wasn't planning on using it while waiting on my new card to arrive. They said it was a courtesy. They then said they attempted to send me a fraud alert text message, but I was not receiving it. They said they needed to talk to their tech department and would call me back. I then received the fraud alert text message and they wanted me to respond yes. The fraud alert message asked if I had authorized a {$100.00} withdrawal. I told the person on the phone that I should say no because I didn't authorize it. They said this was just a test, so I needed to respond yes. We hung up and they said my new card would arrive in 7 business days. 

15 minutes later, Chase called me back from a 888 number asking if I had authorized multiple ATM withdrawals from local ATMs in my neighborhood. Since I had hung up with the fraudulent Chase, there had been 8 ATM withdrawals and even more attempts, which completely emptied my checking accounts. While I was on the phone with the real Chase, more ATM withdrawals were occurring until I had nothing left. As this was happening, I realized the first Chase call I received was a scam. The real Chase then cancelled my card, which I received an email confirming, and ended data sharing between my card and various platforms, which I also received email confirmation of. He then directed me to change my user name and password, giving me a temporary password to enter before changing to a new password. I did not share my new password with him. He also set up 3 verbal verification passwords with me. They said they then marked each of the ATM attempts and withdrawals as fraudulent, but before I could get my money back, their Recovery Department needed to review the claims. The real Chase representative could not give me a timeline for when to get my money back because he does not interface with the Claims/Recovery Dept. He couldn't give me a ticket number because he hadn't completed the claim. He told me to call Chase Claims Dept back in 1 day to check on the progress of my refund.
Product: Money transfer, virtual currency, or money service

I am filling a complainant 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 and address fraud on their platform, leaving my account at risk and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Eletronic Fraud Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.
Product: Payday loan, title loan, or personal loan

I accepted an offer from Big Picture Loans for {$1500.00}. I wanted to pay it off before the first payment was due and called them to do so. They accessed my savings account instead of my checking account and the payment did n't go through. The payment was for {$1900.00}, I spent over 1 1/2 hours on the phone with them being transferred and transferred until I finally gave into the crooks and paid them {$1900.00}. At one point they even got my bank on the phone and my bank verified all of the information that they had but they still accessed the savings and not the checking account. After 1 1/2 hours speaking to people that could barely speak English I gave in and paid the additional monies before I lost my mind. They are crooks and should n't be allowed to do business with anyone.
Product: Payday loan, title loan, or personal loan

I opened a personal loan with Mariner Finance in XX/XX/XXXX. All aspects of obtaining the loan were done online. 

Mariner Finance recently upgraded their website, I went in to login to my account to make my payment ( which was about 2 weeks late at the time ), and was asked to answer my security questions, something I never had to do with the previous website. Since these were setup almost 4 months ago, I incorrectly entered them.Mariner Finance then proceeded to lock my account with no warning and told me I needed to contact my branch. I understand the need for security, but this is ridiculous. 

Seeing as how my work schedule prevents me from contacting my branch during their operating hours, and their online support which operates on the same schedule ( also crazy ), I reached out via email on XX/XX/XXXX to see if there was any way I was able to verify my identity and unlock my account another way, to which I was told no. 

I count on my online account to make payments, as making payments over the phone is not possible as mentioned above. 

On XX/XX/XXXX, I made a payment from my bank account using XXXX XXXX, I asked my fiance to call the following day to make sure they received it. He was told they had not, and that it was probably mailed and not transferred electronically ( as of XXXX the payment is listed as processed by my bank, electronically, to Mariner Finance ). He also asked if there was any other way for me to verify my account, or if there was a customer service line open after XXXX PM, to which he was also told no. 

I dont understand how a major loan company has no other avenue to verify my identity other than to call during a limited time frame. And how they would lock an account after incorrectly answering questions ONE TIME. I would be more than willing to submit identity documents, ssn, utility bill, etc,. It should also be noted that when obtaining the loan, I didnt speak to a single person to verify my identity. 

I would like Mariner Finance to unlock my online account so I can continue to make payments. I will submit any identity documentation needed, but I shouldnt have to jump through hoops to make a payment, especially when none of this was needed when taking out the loan in the first place.