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

My name is XXXX XXXX and I have been with citi bank for 3 years and they closed my account on XX/XX/14. They said it was fraudulent activity on my account but they are not being specific about it. They sent me a letter saying it will take up to 30-60 days for me to receive the funds that I had in my account. The funds I had were for me to pay my car. Now I lost my car and I am about to loose my job. I am a single mother and I have no help with transportation. Citi bank stated that they are a trustworthy bank. They failed and they are holding my funds. 30-60 days I will have been lost my apartment. I am about to loose my job. Citi bank can not be trusted. How can any company hold money that is yours without a detailed explanation. I need help on getting my funds asap. And I want to sue Citi bank on failure and lack Of communication.
Product: Debt collection

Credence Resource Management has been recently attempting to collect on a debt here and Florida where they do not currently have a license to do so. I first requesting validation of the debt and after researching creditor further, I learned that their license is inactive here in the state of Florida yet they continue to report this debt on my credit report. 

I 'm not sure how they obtained this information from XXXX, as I do not nor ever had an account from them, but to not even be legally authorize to attempt to collect this debt in the state of Florida is surprising to me.
Product: Checking or savings account

I opened the high yield savings account with Laurel Road Bank on XX/XX/XXXX and transferred {$23000.00} into my account. After that the account suddenly got locked and I was not able to log into it. I immediately contacted them to ask what happened and why was it locked. They told me that they found some suspicious activities and that's why they have locked it. I asked them if they could unlock it for me, to which they told me that they need my ID and phone bill to verify my identity and that it will take within XXXX business day. I did all of that and haven't gotten any response from them so i called them the next day for an update. They have told me that the case is under review and that it will take from 4, 10 to 30 business days. At that point I was worried because I have never run into this type of issues before. I have XXXX other XXXX accounts from XXXX different banks and never ran into this type of issues before. I have done some research on the internet and have found so many complaints with this bank with similar issues. After hearing so many horror stories from many people that have shared their terrible experiences with this bank I got concerned as I really needed the money. After XXXX week not hearing any updates from them i called again and demanded that someone need to unlock my account so I could get all of my money back. Again they said the same answer... it is still under the reviews and that it could take as many as 30 days for it to be resolved. Based on my research I knew i couldn't just leave it at that and requested to talk to the manager or supervisor. Which I was able to and explained how disappointed I was with their services and that I have never faced this type of misleading and fraudulent business handling before. To me this looks as if they were using the " security '' excuse to withhold my money for as long as they can. This is what I have found out on the reddit post that I will be attaching the screenshots of, where many people were the victims of their shady tactics. Most people shared how they weren't able to get their money for months. And their accounts have been locked under suspicious activities, same as mine. The manager explained that unfortunately they couldn't do anything about it and that all I can do is to wait. He promised me that he will reach out to me by XX/XX/XXXX. But every time they have assured me that they will reach out to me with some answers, they haven't. This is why I could not trust their words anymore. Which is why I'm writing to you to share my experience with them. Its been 10 days and I havent heard anything from them and Im still unable to access my account where they are holding my money {$23000.00}. At this point I dont know for how long or if I would be able to get my money back. I am desperate for help
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act " XXXX XXXX XXXX Account # XXXX and US Dept of EDU Account # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Equifax 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Checking or savings account

fraudulent XXXX  account opened up in my name. date : XX/XX/2019, account # XXXX
Product: Student loan

In XX/XX/XXXX I consolidated my student loans and was transferred to Mohella as my servicer. On XX/XX/XXXX I was enrolled into the SAVE plan. In XX/XX/XXXX mohella removed me from The SAVE plan without any reason and when there was an injunction preventing charges to the plan. In addition, I was not due to renew and there were no changes in my income. When I spoke with them they acknowledged that this happened and they were at fault however would not correct the mistake nor offer any further assistance
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, my daughter totaled her XXXX XXXX XXXX. XXXX XXXX made a payment to XXXX XXXX XXXX dated XXXX XXXX for {$13000.00} ( paper ). XXXX XXXX issued a second payment to XXXX XXXX XXXX XXXX dated XXXX XXXX for {$740.00} ( electronic ). The payment for {$720.00} was for extended warranty cancellation due to total loss. A payment was issued to XXXX XXXX XXXX XXXX on XXXX, XXXX for {$720.00} and cleared XXXX XXXX on XXXX XXXX. XXXX denies this transaction and will not credit my account, therefore allowing no closure. The main issue is they are reporting me 90 days past due. I have been consistent in my correspondence with XXXX and XXXX. We suffered a devastating fire XXXX XXXX. We lost everything. We have been in temporary housing trying to purchase a new home or credit for new appliances and furniture. Needless to say XXXX XXXX has tremendously affected my credit score due to their inaccurate bookkeeping. XXXX XXXX has admitted they posted our credit to the incorrect account and refuses to correct it. I have been denied credit due to this. I have been more than cooperative with XXXX. I have sent every piece of documentation requested including the invoice and copy of the front /back of check that was paid on my behalf. I was reported 90 days past due today.
Product: Student loan

My school closed some years back and I applied for loan forgiveness during covid under the Biden Administration. I was told that my loans would be forgiven and I have yet to receive relief. My loans are now on my credit report and is now affecting my ability to gain credit. Thousands of people have discharged under the Biden Administration, and I am still struggling to pay these loans to a school that no longer exists.
Product: Debt collection

Dear, CFPB Phoenix Financial services is trying to re-age a debt for collection purposes. Therefore, cause serious problems with interest rates with my personal finances.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS COMPLAINT IS SUBMITTED BY MYSELF XXXX XXXX WITH NO ASSISTANCE. 

XXXX XXXX ( XXXX ) This account is open! It has never been closed! The balance is 0 The payment history since XX/XX/2022 till present ( XXXX ) is not reported It should be reported open. Payment history from XXXX to XXXX is on-time good
Product: Debt collection

Health Insurance Claim submitted on XX/XX/XXXXfor XXXX XXXX. Insurance received 2 claims for that day, both under billing for XXXX 1st ) Amount paid was {$91.00} 2nd ) Amount paid was {$50.00}. Total paid was {$140.00}. No CoPay charges. Collection agency claims creditor ( XXXX XXXX - XXXX XXXX ) submitted claim for {$71.00} and my Insurance paid {$61.00} and the {$10.00} difference was a CoPay. Insurance has no record of any claims for that creditor, and I had no copay deductible for that period. This claim is fraudulent or incorrect by the creditor.
Product: Mortgage

We opened a Bank of America mortgage in XXXX XXXX. We have since went through XXXX modifications with them in which we were told not to make payments on our current mortgage until our modification was approved. Once our loan was modified our payments were not shown as made on time and our new balance on our loan was never shown. We have also been on time with payments since the beginning of XXXX but Bank of America shows XXXX, 30 day late payments at the end of last year. I have the receipts showing when those payments were made and still Bank of America and the credit bureaus have refused to remove the 30 day late marks on our credit.
Product: Mortgage

The notice of sale was recorded on XXXX XXXX, XXXX, which granted XXXX to the above-mentioned property. The previous owner on title XXXX XXXX vacated and abandoned the property two months prior, due to a fire on the property that caused substantial damage, which made it inhabitable. The city has condemned the property and has filed a lien against the property current owners XXXX which has been working with the city to remediate issues with this property. 
Deutsche Bank has a track record, of contributing to urban blight by neglecting properties in high-impact revitalization zones. There are also some discrepancies with the recorded documents and no notice given to current lienholders in regard to XXXX banks attempts to foreclose on said property. The initial deed of trust was recorded on XXXX XXXX, XXXX with the lender being XXXX XXXX Mortgage Company, and XXXX XXXX Mortgage Company as trustee as well. This was a no-money down predatory lending loan that was offered by XXXX XXXX mortgage at the time, there is n't any bearer bond or any other instrument showing beneficial interest transferred over to XXXX XXXX or its subsidiaries. So the transfer appears to be invalid, and under California homeowner 's law must be validated. 
Lastly, the notice of default filed by Deutsche bank says that notice was given to homeowners, which is incorrect because property is boarded up and has a gate surrounding the property because of it 's hazardous condition and homeowner has n't been around in over three years.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may concern : On XX/XX/XXXX I checked my most recent credit report provided by Experian and was surprised to find hard inquiries that I did not recognize nor authorize. For reference please see the inquiries below : XXXX XXXX  on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX I am hereby notifying you that I have never authorized any of the aforementioned companies to access my credit report. Additionally, I have never given Experian my consent to furnish this information. These inquiries on my credit report are a clear violation of my consumer rights under 15 USC 1681b ( c ). 

If you are under the impression that you lawfully furnished this information I am requesting you send me any evidence or proof to support your claim. Otherwise, I am requiring that you immediately remove the aforementioned inquiries from my credit report. 

Thank you for taking the time to read this notice. I look forward to this matter being resolved promptly.
Product: Mortgage

In XXXX I went on a forbearance program offered by the current bank US Bank in Texas. In XXXX, I was ready to come off forbearance unto a COVID-19 Veterans Assistance Partial Claim program they offered. I was approved and was to send the signed paperwork back but there was trouble getting the documents back, So i had requested another packet. Because the packet was late, the claim went stale and they won't approve me for the plan they promised over simple paperwork. I am in Florida and they are in Texas and not communicting with me. I am a XXXX veteran and a resident of this home for 8 years. I have a family and creatures and ready to make payments on the plan they offered. I have complied with all request they have sent me in the mail requesting documents, but i can not get ahold of anyone who has any idea whats going on. Please help me. Thank you.
Product: Student loan

I cosigned a loan with XXXX XXXX in XXXX for my son XXXX XXXX. 
We were led to believe that this was a Federal student loan and in XXXX the loan was apparently transferred to Navient and everything changed. We had made XXXX monthly payments only to learn that those payments did n't apply to the loan. The original XXXX loan now has a balance over XXXX. The payments have gone from XXXX a month to XXXX a month. I have asked repeatedly for details on interests calculations and have received none. I have asked for information about how the payments are a applied and have received none. I have asked for an explanation of how a loan after XXXX payments could be XXXX hire than the original amount. 
I have asked why if I paid the loan off today why would I owe XXXX instead of the outstanding principal and I still have n't received an explanation. Something is really wrong here. Please help. 
The acct # is XXXX. My son is XXXX XXXX and my name is XXXX XXXX. 
my number is XXXX Thank you
Product: Checking or savings account

On XXXX different banking cycles I was according to Wells Faro guilty of overdrawing my account by a total of over {$530.00} despite my being in a continued aggressive mode to get to the bottom of why I believe Wells Fargo is guilty of allowing someone other than me to get over {$400.00} in cash withdrawls or retail transactions using my account. The bank has never charged the standard overdraft charge of {$35.00} for any of the transactions made without sufficient funds to cover them. Nor did the bank ever inform me that transactions were being made that put my balance into the negative range. The bank 's response from people impossible to accurately identify or know what department they work for accurately described the situation I relayed by phone and in writing. 
The policies they source that would give the bank latitude to give me cash and buy goods and services without the funds in my account don't actually exist and can not be found online nor in the branch. I do not have a pre-deposit agreement because I am not a Wells Fargo Employee. 

Even today and ever since I submitted the first complaint XX/XX/XXXX my balances, the locations and amounts of my transactions along with the chronological order of the transactions have changed daily. There even fraudulent charges that my ebanking account does not allow mw to dispute accurately. I was lied to several times by CFPB employees and Wells Fargo employees.
Product: Mortgage

I received a notice from BSI Financials on XXXX/XXXX/2016 ( dated XXXX/XXXX/2016 ) that my loan had been transferred to them and as of XXXX/XXXX/2016 my old servicer will no longer accept payments from me. ( Note they generated letter 3 days AFTER the fact that my old servicer will not accept payments ). I also got a letter saying that I am one month behind in my payments ( which is total lie given that I have automated payments going to XXXX - old servicer ). I have called BSI 5 times and no one picks up the phone, and it finally transfers to Voice Mail. I have left 2 VMs and still there is no response. I looked at the company reviews ( XXXX ) and it seems this company has common practice of mistreating customers and misplacing customer information. I am concerned that although I have made all payments, my credit history would be impacted. And that I am now stuck with a sickest mortgage servicer who seems to be XXXX with their customers. I ask CFPB to take action to make this company respond and stop XXXX their customers. I want CFPB to review the consumer affairs link I provided too and take an action to review BSI Financials business practices.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent inquiries in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove and block any inquiries listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of inquiries which do not belong to me or were opened without my permission : XXXX : XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : XXXX XX/XX/XXXX TRANSUNION : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of the Equifax Data Breach described in the following FTC announcement : https : //www.consumer.ftc.govXXXX I learned about the breach XXXX XXXX 2017 thanks to media coverage. 

The steps I 've taken are the ones suggested in the FTC announcement : 1. I checked whether I was one of the affected individuals by visiting www.equifaxsecurity2017.com. I found out that indeed I was affected. 

2. I placed a 90 days fraud alert on my files with Equifax ( and hence, by extension, with the other two bureaus as well ). 

3. I checked my credit report for inaccuracies at XXXX. I only checked with one bureau ( XXXX ), so I can check with the other two for free in 4 and 8 months, respectively. There were no inaccuracies. 

4. I reviewed my existing credit card and bank accounts for any suspicious activity, but this was not unusual, as I monitor my credit card and bank accounts every month. There was no suspicious activity.
5. I 'm filing this CFPB report.
Product: Credit card or prepaid card

I received a voice mail today from " XXXX '' at First National Bank of Omaha stating he wanted to verify that I applied for a credit card from the bank. I did not. I attempted to call the bank and speak with XXXX but was unable to do so. The phone number that I received the call from was XXXX which is different then any phone number I have found for this bank. Not sure if that helps or not. I have had ID theft problems in the past with someone trying to open accounts using my information. Luckily I have not had one be successful yet. I would like this to go on record.
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of unauthorized credit inquiries on my XXXX credit report. My latest credit report shows 2 credit inquiries that I did not authorize. 
I am writing to dispute the following inquiries and asking for their removal from my credit report : 1- PENTAGON FCU made on XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Please have these unapproved inquiries removed from my credit report, please update me with a full report on your finding within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 
Thank you for your assistance.
Product: Checking or savings account

I opened a business account with Bank of America in XX/XX/2022. I only opened one checking account, but 2 accounts were opened. The 2nd account that was opened was incurring fees that I didn't know about. No debit card or anything was ever issued. Eventually both accounts were dissolved and no paperwork was mailed.
Product: Debt collection

Around XXXX, my husband was scammed by a so-called " tax relief '' service. He paid for part of the fee with our XXXX   XXXX XXXX credit card. The amount charged was {$3000.00}. After realizing it was a scam because no service was provided, he ordered that the charge be reversed. After over a year of dispute with XXXX XXXX XXXX, they finally agreed to honor the reversal for the total amount. A few years later my husband and I divorced. Then I started to receive letters from Portfolio Recovery Associates for the amount of {$3100.00} from XXXX XXXX XXXX and XXXX XXXX XXXX. I asked XXXX XXXX XXXX what this charge was for but they said they can not access that information because it is so old. I don't know what this charge can be for other than the scam tax relief company because after that, we closed that credit card and stopped doing business with XXXX XXXX XXXX. Portfolio Recovery Associates is also trying to collect a charged off amount of {$2700.00} which is also from XXXX   XXXX XXXX. It was charged off in XXXX. Also, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX was found to engage in Unsound, Unsafe, and Illegal Debt Collection Practices in XXXX so I don't consider these debts truthful or valid.
Product: Credit card or prepaid card

I was charged a late fee for charges that I was not aware of on my card. I thought I had a {$0.00} balance because I had paid off all of my purchases but then a month went by thinking there was no balance and it turns out there was a balance so I was being hit with late fees for several months before I realized it. I was always on time with all of my payments and this is hurting my credit report. I closed the card because it appeared as though they were charging me a fee that I was never made aware of and since I didn't know there was a fee it made my payment late. The company is XXXX. And the late payments are showing in XX/XX/ 2017. 

I have gone through XXXX to try to resolve this and also talked directly to the company and they said that there is nothing they can do because I closed the account.
Product: Checking or savings account

OnXX/XX/18I was charged with two nsf from citizen bank and I only see one. Also why are they allowed to charge me multiple nsf for the same day?