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

I am submitting a complaint regarding the inaccessibility to banking needs due to the closure of many Bank of America branch locations throughout Rhode Island and Connecticut. 

Since the beginning of the implementation of COVID-19 precautions, Bank of America ( BoA ) decided they needed to protect their employees by closing many branch locations. Not only is there no access to bank tellers inside their locations, but the drive-through tellers are closed, as well as many ATM machines! This is nonsense, and beyond inconvenient, as all other banks in these areas are open for business. 

I have contacted BoA representatives several times over the past month to register my displeasure with the inconvenience that it has caused me, other customers and business owners to have to utilize the ATM machines of other banks, to have some access to our accounts. BoA representatives have been empathetic to my complaints, but NOTHING has changed regarding reopening of local branches. In addition, BoA representatives have encouraged me to utilize their branch locator tool online, and have suggested that I must travel more than 20 miles to other towns or states to access a BoA ATM machine. 

The information on the BoA website locator tool is completely inaccurate, and when I traveled to another state to a branch that was advertised as having drive-through tellers available until XXXX XXXX, I discovered a huge sign that said that branch was no longer open! 

In addition to the inconvenience of having to utilize the ATM machines of other banks ( and, therefore, be subject to their cash limits and fees ), BoA has decided it is appropriate to charge customers a fee for using the ATM machine of another bank, when their ATM machines are inaccessible! 

Last week, I registered a complaint with the Office of the Comptroller of the Currency regarding the inaccessibility of banking with BoA, when all of the other banks in my area are open for business and practicing appropriate COVID-19 protocols. On XX/XX/XXXX, I received an email response from " Enterprise Resolution '' at BoA acknowledging my complaint, and indicating that the email sender would be my, " point of contact until this matter is resolved. '' In actuality, the sender identified himself as representing a debt collector. I do not take satisfaction in receiving an email message from a debt collector as someone who is capable of addressing my concerns. Why didn't I receive a response from a member of the BoA Regulatory Complaints team who has nothing to do with debt collection? 

I would appreciate a rapid resolution to the ridiculous closure of BoA branch locations, in the name of COVID-19. For such a large institution to behave this way is reprehensible and unjust.
Product: Credit reporting or other personal consumer reports

To whom it may concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : 1. Us Small Business Admin ODA, XX/XX/XXXX 2. XXXX XXXX XXXX, XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act section 1681 b ( c ) and a serious breach of my privacy rights.

Please validate this information with this company and provide me with copies of any documentation associated with this account bearing my signature, authorizing an inquiry. In absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Credit card

On this account, I have consistently ensured timely payments, never letting them become overdue. I am unsure about the reasons for reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error should be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

A couple things. On XX/XX/XXXX I applied for preapproval on mortgage loan. On morning of XX/XX/XXXX my credit score was XXXX. Later that afternoon my score dropped by 17 points. Over the next 2 months I ended up weighing my options between 3 different lenders as I was told is good idea. Between the 3 lenders I had like 5 hard inquiries over these past 2 months and my credit score has dropped 54 point taking out of Good and putting me pretty far back down into fair that I fought so hard to get out of for years. 


Another thing that bothers me is because Experian kept me in low XXXX for years even though I was doing everything right I was only able to get a couple credit cards with {$300.00} and {$500.00} limits. So with such a low limit every time I used one my score would drop like 20 points for like 1 hotel room charge saying it showed me as having a high percentage usage even though its only {$250.00}. I would pay the cards off each week but would take a months for my score to climb again. So I ended up not using the cards at all but I couldnt get rid of them because I needed to have open accounts. To me the system has a major flaw in this regard. I make $ XXXX a year and make enough each week to pay all my debt done to XXXX but when I do charge a few XXXX dollars Experian drops my score like a rock and takes forever for it to climb. In my opinion the credit reporting agencies are a joke! But the problem is even though they are a joke things they do have a much greater effect on peoples lives then the things they do.
Product: Checking or savings account

I contacted chime since last year XXXX about a refund I was suppose to receive from XXXX they keep asking me for new proof i dont know what more proof they need if I contacted XXXX for the information they asked for
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022
Product: Student loan

High interest rates on my student loans through Navient. The interest rate is 12 % which is Usury, the act of lending money at an interest rate that is considered unreasonably high to the financial health of the loan repayer. My mother died when I was XXXX just three years before I started college. I was raised by a single father that had bad credit due to medical bills from my dead mother. My father lost his job in XXXX and has seen an income reduction. I have been unable to find reasonable employment. In XXXX I sued the University of XXXX for denying me a part time marketing position. They wanted me to have XXXX twitter followers which was illegal under michigan law. I won the lawsuit against XXXX of XXXX They did not care about my marketing degree from The University of XXXX which I pay navient and exorbitantly high interest rate on. I was told this degree would unlock my future, not lock up my future. My degree is worthless and Im underwater as the result of predatory lending practices by Navient and Sallie Mae. Im stuck in life with the burden of student loan debt. This is a systematic scam on the American people. How can you lend money without considering economic conditions in the labor market? How can you lend money to 1000 marketing degree majors when there are only going to be 100 marketing jobs in the market? Navients lending was negligent and only sought to make profits. They never cared about the borrower. See you in court Navient.
Product: Checking or savings account

XX/XX/2021, ,Continued Issues,, I Have'nt Heard Anything Thing About These Issues,, Yet,,,,, ,So Far, ,I Received One Piece Of Mail,, About,, The Same Thing That I Shared,, two Weeks Ago, ,What Is Going On???
Product: Debt collection

First let me state this. I do not owe XXXX anything I have never used XXXX services and I do not live in XXXX TN nor have I EVER. A quick check of my record will show I have lived in XXXX, AZ at the same address for the past 9 years ( XXXX to present ). Apparently someone used my social security number and the name XXXX XXXX to establish services at XXXX XXXX XXXX XXXX, XXXX TN. I got the address from an AFNI telephone call and a representative named XXXX. My name is XXXX not XXXX, but apparently XXXX is not smart enough to know that XXXX is not the name attached to my social security number. From AFNI I was able to get that this XXXX person had service from XXXX of XXXX until XXXX of XXXX. I have attached XXXX AZ utility bills for  the period in question showing that I lived in XXXX, AZ and not XXXX, TN. 

XXXX apparently tried ( again ) to collect a {$230.00} debt from XXXX which I seem to have to deal with every year in XXXX. Every year I go through this and a different collection agency. This time, I have tried to work with XXXX, AFNI, XXXX XXXX with no results. Only instructions to do this or that and from them I was given wrong URL addresses and telephone numbers. I am fed up with the XXXX run-around. The company should be sanctioned.
Product: Credit card or prepaid card

Had a XXXX card from you. In good standing. It was closed because you learned I had felony convictions. I've already talked to a lawyer who deals with the FCRA. He says these things are not found in credit reports. Since I gave you no permission to background check me, I believe you are in violation of federal law. He asked me to have you tell me where you got my information before we move forward legally. Just told me today if we get no response we will be sending a letter by certified mail to your legal department. Please put me in touch with someone on your legal team to tell me how you have my information without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2017, Ally Financial ( via XXXX XXXX XXXX now XXXX XXXX XXXX ) did a credit inquiry against my wishes. I only gave them permission to run a credit inquiry through XXXX XXXX XXXX XXXX. I would like them to remove the credit inquiries from each credit bureau they used.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding zelle 's handlining of in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financials institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking there transactions was unfeasible. The CFB 'S fining indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
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 XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, small business adminXXXX, XXXX, XXXX XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

First of all this company will not quit harassing me for payment on loan that i never applied for in the first place, second never recieved, and third they can not provide proof of any of the above. In fact when confronted about this, they stated that they deposited the loan into XXXX XXXX XXXX. Which I'm sorry we all know that's fradualant talk in the first place weather it be on their part, or the ignoramus that took that down as being a bank and issued a loan for someone in my names fraudulently. I can assure you that no such loan for the disclosed amount was ever deposited into my account and I can and will provide proof of that. Either way they have no means of accessing my account in any way. This harassment has got to stop.
Product: Debt collection

Upon purchasing a new car I noticed a collections account on my credit report. Further investigation led to XXXX communications not receiving rented hardware back after canceling account. This resulted in {$250.00} collection being placed on my XXXX credit report dropping my XXXX XXXX drastically. On XXXX I contacted XXXX communications through XXXX to resolve the issue and let them know I was never made aware or received any way to return equipment. They immediately issued a return label to return equipment and explained that the account would be made whole and would be removed from credit reporting upon receipt of equipment. XXXX received the equipment on XXXX and following removed the charge on the account. I have disputed XXXX separate times on XXXX with Credit Collection Services and provided the chat history with XXXX and they refuse to remove the collection. XXXX account shows that nothing is due and equipment has been returned. But somehow Credit collection Services updated my credit report with a lower amount due now from {$250.00} to {$140.00}. No payment has been made and it should be removed completely as XXXX agreed too once they received equipment back. I have never received any communications at all from credit collection services.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Balance : {$140.00} XXXX60days ; XXXX30days Please check the Payment History and Status information on this account and adjust accordingly. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : XXXX XXXXPlease take a look at the original amount and the current amount. It doesn't seem right. Remove this collection from my credit report for its errors. 
XXXX XXXX XXXX Balance : {$0.00} XXXX120days ; XXXX90days ; XXXX60days ; XXXX ; XXXX ; XXXX I am not late on this account. My record shows that this account was paid as Agreed and Past Due is 0. Please adjust immediately. XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX  Date of inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX of inquiry XX/XX/XXXX, XXXX XXXX  Date of inquiry XX/XX/XXXX, XXXX  DATA Date of XXXX, XXXX XXXX Date of XXXX XX/XX/XXXX, XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$140.00} XXXX60days ; XXXX30days Please check the Payment History and Status information on this account and adjust accordingly XXXX XXXX XXXX Balance : {$0.00} XXXX120days ; XXXX90days ; XXXX60days ; XXXX30days ; XXXX60days ; XXXX30days I am not late on this account. My record shows that this account was paid as Agreed and Past Due is 0. Please adjust immediately. XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX These inquiries does not make sense for me, I can not remember it, so please remove it immediately. 

Equifax XXXX XXXX XXXX Balance : {$140.00} XXXX60days ; XXXX30days Please check the Payment History and Status information on this account and adjust accordingly ( Original Creditor : ) XXXX Balance : {$92.00} Please confirm the information shown in this account or delete this account information from my credit report, because I believe it may be erroneous. XXXX Date of inquiry XXXX XXXX  Date of inquiry XX/XX/XXXX These inquiries does not make sense for me, I can not remember it, so please remove it immediately.
Product: Checking or savings account

When I was XXXX I had a account with them and they said I did fraud on my account and froze XXXX and then closed my account and I never heard from them after that
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( Block, inc. ) Due to inadequate customer service and unfair practices, which violates 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 vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience is and financi, and I see appropriate redress for these violations.
Product: Credit card or prepaid card

I received a special promotional offer last year on XX/XX/2020 promising double cash back on my credit card account up to {$45.00} cash back ( attached ) - 4 % : 2 % standard + 2 % promo. I activated the offer as requested and spent $ 2000+ on that billing cycle, which is beyond the needed spending to maximize this offer ( 4 % of {$1100.00} = {$45.00} ). To this day, I have not received the {$45.00} rewards credit.
Product: Student loan

I filed a formal complaint about this loan servicer company deciding to arbitrarily put my account into forbearance after I submitted a claim to the department of education to have the remainder of this loan discharged due to misleading statements about the school for which the loan was taken out to pay for. 

In response, the loan company flippantly pointed out some sort of statement mentioning the President Joe Biden, and then just essentially stated that they can not or rather will not remove the accrued interest without providing an explanation as to legally why they are able to do this or why they will not remove the accrued interest, other than the obvious fact that would mean them not being able to demand as much money from me as they can possibly get away with.
Product: Credit reporting, credit repair services, or other personal consumer reports

CarringtonMS is attempting to sabotage my Credit report with each Repository, XXXX, XXXX and XXXX by Not XXXX Reporting that theyve gotten my {$77000.00} that was electronically sent to those XXXX  at CarringtonMS on XX/XX/2020 by the law firm of XXXX XXXX XXXX XXXX for the XXXX pay-off my Home loan, Loan number XXXX as a XXXX man! The President of CarringtonMS, CarringtonMS General Counsel and CarringtonMS Compliance has conspired to Report my home loan as still owed, a White Supremacy act against XXXX homeowners in this country, but what they dont understand is I walked away with {$85000.00}, I Fight Back!
Product: Credit card

I recently applied for a credit card through Amazon.com which cards are affiliated with CHASE Bank. I have only had the card 3 months and have been making timely payments sometimes twice a month. I recently paid my account on XX/XX/XXXX for XX/XX/XXXX. I was sent a email stating they didnt receive payment this month and it is late and they attached a XXXX fee. I made previous payment in XX/XX/XXXX for XX/XX/XXXX with no problem. This time I was told, I paid it too early I have to wait. My bill is due on thXXXX of each month.
Product: Credit card or prepaid card

on  XXXX / XXXX /  XXXX  , I was on the phone for hours w ith American Express  ... .all representatives were " offshore '' as they put it, and when specifically asked they were in  XXXX   in  the  XXXX   . They   refused to transfer the call to the United States or give me a last name of the person asking for personal information from me.     The purpose of the call would have been to use their free transfer service to the bank account from which the card was loaded with {$200.00} as a trial to see how hard it was going to be to use an  American Express c ard places wher e Visa, Master Card,   XXXX , and other general credit cards are accepted. The answer is that   American Express is no longer widely accepted in the United States, and therefore, I wanted to get my cash back to my bank account.
The AMEX website clearly explains a free service to transfer the money to a bank account, how  ever, there is no way on the website to enter a bank account number, and their chosen method of loading money to thei r Serve credi t card is to do it from a  XXXX   XXXX   XXXX   debit card, not the checking account. Copy of page attached.  But AMEX wants 5 business  days to send a sample deposit and then you have to go back and enter the little deposits before you can make a transfer and then another 5 days for the transfer to post.. So in effect it is at least 10 days to move money   back into the bank it came from. Now, if i lived in a city, i could go to one of their ATM.s, but I am 80 miles from the closest one of those. So either I wait 10 days or drive 80 miles.
Had i been able to get to a representative in the USA, I   might have been able to speed things up, but i refuse to give my personal information to someone who is not in the United States
Product: Mortgage

I have an open investigation with the servicer of my loan, XXXX. I had also submitted my packet for a loan modification to be reviewed, and XXXX said that I do qualify for different programs to do a modification. My issue right now is that XXXX is the servicer, and Wells Fargo is the one that illegally foreclosed on my property in a sheriff sale yesterday. Wells Fargo does not even own this loan, even though they sold it to XXXX 2 years ago, the new servicer was XXXX and XXXX owned the loan, Wells Fargo had no right to initiate or continue with the foreclosure proceedings, and they have that on record and they know fully well what they 've done. I would like Wells Fargo investigated, because I have a letter from them showing that they acknowledge that I was releasing account information, for my loan modification, when I went into court on Monday, to ask the judge for more time pending the investigation and also for my modification to go through, XXXX, the law firm that represents Wells Fargo told the judge that they spoke with their contact over at Wells Fargo, and Wells has no record of any conversation whatsoever since 2012 with me. The law firm went on the record to say that Wells Fargo wants to proceed with the auction, how can that be when I have the documentation and I tried to show the judge? This has been a highly illegal foreclosure since the beginning, and now they just illegally took my home. The signatures of fake employees, securitization, unilateral assignments, and multiple other infractions of fraud is just the tip of the iceberg. Wells Fargo had plenty of opportunity to make this right, but since they are a big bank and they have a track record for doing this, they proceeded. My civil rights have been violated, why are they allowed to get away with blatant fraud? I am fed up with their games.