23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am refinancing my zero balance Home Equity Line of Credit loan to another lender and am being told that I will be assessed an early termination fee of {$450.00}. The Line of credit agreement and disclosure statement reads as follows under Early Termination Fee : " The lesser of {$450.00} or 2 % of the amount prepaid if I close my account before the second anniversary of the date that my account is opened. '' The math is pretty simply that 2 % of a XXXX balance is a XXXX dollar fee.
Product: Credit card or prepaid card

On XX/XX/XXXX My NETSPEND ACCOUNT WAS SCAMMED ..... I IMMEDIATELY CALLED NETSPEND TO TELL THEM THE UNAUTHORIZED TRANSACTIONS WASN'T ME. I WAS TOLD I HAD TO PUT IN A CLAIM WHICH I DID BUT BEFORE ANY MY ACCOUNT WAS SCAMMED SO NETSPEND BLOCKED MY CARD NEVER THE ACCOUNT BECAUSE ALL WEEK I HAD UNAUTHORIZED TRANSACTIONS WHICH I CALLED EMAILED ETC TO EXPRESS THE UNAUTHORIZED TRANSACTIONS AS WELL AS HOW IS MY FUNDS STILL BEING USED WITHOUT MY KNOWLEDGE ESPECIALLY EXPRESS I HAVE BEEN SCANNED AND ALL TRANSACTIONS WAS FRAUD .... I DEFINITELY EXPLAIN EXPRESSED BEYOND MEASURE NOW NETSPEND NOT GIVING ME ME REMAINING FUNDS AS WELL AS MY RECOVERY FOR ALL THE CLAIMS XXXX... WAS TAKEN NETSPEND SENT ME CLAIMS WITH THE AMOUNT .... THERE PLAYING MAJOR GAMES.. I NEED MY FUNDS AS WELL AS MY RECOVERY ... ..THIS IS TOTALLY UNACCEPTABLE TOTALLY UNSATISFIED ... ... .I NEED IMMEDIATE ASSISTANCE ...... PLEASE
Product: Mortgage

Due to health concerns I was not able to work my XXXX as strong as possible and due to reduced income I became delinquent on my Ocwen serviced mortgage. In XX/XX/2015 I continued to work with Ocwen providing them enough documents for a complete package. Recently, underwriting Ocwen declared that my loan modification request would be denied because of too many loans in a certain " investor pool '' having already received a loan modification and therefore they are closing out my case and giving me a denial. Upon conversations with mortgage professionals and visiting a HUD approved housing counselor, everyone said that this was the first time they had heard of this reason for not allowing a loan modification. I would like to have someone follow-up to see if indeed this reason is legitimate.
Product: Checking or savings account

Grievance Complaints : Internal Fraud Schemes for Unsubstantiated Maintenance Fees {$8.00}. XXXX  XXXX XXXX XXXX  who informed I have 6 FREE Transfers from Savings Account per month. Tactics to tranfer you to a different Department to not be held Accountable for Fraudulent Maintenance Fee. RICO Racketeering Corruption and XXXX Schemes. 

2. I asked how many times I Transferred in XX/XX/2021? XXXX " Only 1 time. " I asked HOW many times in XX/XX/2021? XXXX replied, " 4 times. '' Then I asked, WHY was I charged a Services Fee on {$8.00} on XX/XX/XXXX? She said, " You must maintain a certain Balance in Savings Account to not be charged. '' I informed I only used 4 out of 6 Free Transferred, so why was I wrongful charged {$8.00} Maintenance FeeWhat does my Balance has to be She looked but could not find nor provide an answer. Then she told me she needed to speak to a different Department please hold. This went on about 10 to 15 minutes. She finally returned to tell me she still has no answer and that the systems are down. Then she told me she would have to Transfer me to a nother Department. I asked What Department is that? She said, Credit Card. I asked Why when it's my Savings Account XXXX said it ALL THE SAME, your Debit Card with Master Card is the same as Credit Card with Master Card. I had no choice but to let her tranfer me to CCD. I asked XXXX did she send Notice WHY I was being Transferred to her CC Department so that I would not have to re-explain everything we discussed? XXXX said Yes and then made Transfer to Credit Card Department. 
2. Transfer to CCD SW XXXXfr XXXX who answered and Asked What I can Help you with since I am waiting for your information to come up. I told her. Then she told me I know you were transferred to me ; but I have to TF to Deposit Department. 
3. Deposit Holding Department automotive could not Service and disconnected me.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter of significant concern regarding the unauthorized furnishing of my accounts to consumer reporting agencies by your corporation. As of [ Date ], I have discovered that several accounts were reported without my permissible purpose, leading to a violation of my privacy rights as protected under 15 USC 1681 ( a ) ( 4 ). 
It is imperative for you to understand that I did not grant authorization for these accounts to be disclosed to any consumer reporting agency. Therefore, the actions taken by your corporation not only breached my privacy rights but have also caused me considerable mental and financial distress. 
I would like to draw your attention specifically to 15 USC 1681a ( 2 ) ( I ), which stipulates that any transaction or experience lacking permissible purpose should be excluded from my consumer report. The accounts in question clearly fall under this provision, and I expect immediate action to rectify this egregious violation. 
I demand that you take the necessary steps to remove these unauthorized accounts from my consumer report and ensure that no further unauthorized disclosures occur in the future. Failure to comply with this demand may result in legal action to seek remedies for the damages incurred. 
I anticipate your prompt attention to this matter and a swift resolution. Please confirm in writing the actions you intend to take to address this issue. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX Accounts I would like deleted off the consumer report XXXX  XXXX  FLAGSHIP CRD XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting 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 : # XXXXXXXX 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 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: Debt collection

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against National Credit Systems , Inc. for their abusive, deceptive, and unfair collection practices in the collection of extensions of credit. In a conspiracy with the consumer reporting agencies to cause a restraint of trade and commerce, this debt collector has engaged in racketeering activity. I have never given this company any consent to be in possession of my nonpublic personal information. I disaffirm any alleged agreement or contract between I, the consumer, and the original creditor, whether implied or explicit. This account is a billing error. Please provide me with documentary evidence of the obligors indebtedness. 
This company is in violation of the false claims act and is jeopardizing my consumer credit reputation with other financial institutions by fraudulently furnishing this alleged debt to coerce payment. Any payments made or future payments are a result of threat, duress, and coercion, due to undue influence. 
I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until National Credit Systems , Inc., can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and National Credit Systems , Inc., continues its collection efforts, I will file for litigation for actual damages caused and National Credit Systems , Inc. shall be liable for violations of TILA, FCRA, XXXX, XXXX, the XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX FTC XXXX and XXXX Act. 
Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Credit reporting or other personal consumer reports

I have a XXXX  XXXX XXXX Credit Card. They state I was late paying the account in XXXX. Ive checked and my account has been paid every month on time. Ive disputed it with them.silence. This is fraud.
Product: Mortgage

On XXXX I took out a mortgage loan for {$150000.00} to buy a house from XXXXXXXX XXXX. Somehow, XXXXXXXX XXXX added a PMI ( personal mortgage insurance ) policy to my contract even though I was beyond well qualified for the loan and did not need one in the slightest. Upon being approved for the mortgage I set up autopayments so I would never miss a payment. When I realized they had swindled me into a PMI policy that cost around {$37.00} a month, I called to get it cancelled but they said I could not opt out of the policy until I had made payments for a couple of years ( I recall two years ). I was upset that they had swindled me but felt I had no choice but to wait a few more months to opt out. 

While I was waiting, I left the country on an unplanned trip from XXXX to XXXX. I had my mortgage on autopay so I was confident it would be taken care of and I planned to cancel the PMI policy after the two year waiting period ended. 

On XXXX, ( right at the conclusion of my two year PMI waiting period ) XXXXXXXX XXXX  sold my loan to PNC Bank. PNC Bank then discontinued the autopayment arrangement that I had been relying on to make my payments. As I was not in the country and had issues with my mail forwarding service, I had no idea that my loan had been transferred to PNC or that they had stopped processing my autopayments. When I found out what had happened, I immediately paid the due balance and reinstated autopayments. 

Now the problem... I had waited the two year period to be eligible to cancel the PMI policy but PNC refuses to let me cancel the policy because they say I had a late payment for XX/XX/2023. I think this is wrong because the payment arrangements were in place and the funds were readily available for them to withdraw. PNC just neglected to take the payment I had arranged for them to take. It's quite the coincidence that they stopped my autopayments right when I would be eligible to opt out of the PMI. 

Really, there is absolutely no reason for me to have had to carry PMI at all as I am not an at-risk borrower in the slightest. I feel arrogant writing this, but the loan is a very unsubstantial amount for me to have borrowed. From the day I took out the loan to today I have had an XXXX credit score and enough liquid assets that I could readily pay cash for the property several times over. I have 6 other properties valued at well over XXXX XXXX dollars. There is absolutely no rational justification for why I should have ever been obligated to carry a PMI policy on a XXXX XXXXXXXX loan. There is 0 % chance of me defaulting on the current {$140000.00} balance. I'm being swindled with unscrupulous business practices. Even if I can afford it, I shouldn't have to pay for a service that I don't need, don't want, and have done everything in my power to cancel. They sabotaged my payment record to prevent me from being able to cancel the PMI.
Product: Checking or savings account

Filing a complaint because Bank of America ( BOA ) refuses to reinstate funds to our company for a $ XXXX check fraudulently cashed on our business checking account. The check was written and mailed on XX/XX/XXXX to a vendor from a post office box. The check never made it to the intended vendor. It was intercepted and cashed fraudulently. After the vendor never received the check ( though it was cashed ), a copy of the check was requested from BOA and that was when it was discovered that the face of the check was altered ( pay to, address ) and cashed via fraud. All of our company checks over $ XXXX require XXXX signatures, as stated on all checks. Because of this, BOA should have never allowed the check to be cashed. The perpetrator wiped the note off as well as cleared the second signature. The check was cashed/deposited into the perpetrators account. An investigation was formally started with BOAs fraud department in XX/XX/XXXX. BOA completed the investigation on XX/XX/XXXX. As a result of the investigation, BOA absolved themselves stating that funds would not be reinstated to our company because we did not implement Positive Pay Service ( s ) on account to prevent fraud. BOA has not proven they offered the services to our company. 

Our company filed a complaint against BOA with the OCC in XX/XX/XXXX. BOAs regulatory compliance group handled the complaint once it was received from the OCC. The BOA regulatory compliance group took a couple of weeks to review. They went back to the fraud protection group to get information. The regulatory compliance group contacted our company XX/XX/XXXX to say they would not overturn the earlier decision made by the fraud protection group and refused to restore the funds taken.

We wish to file a formal complaint with you, the CFPB, against BOA as our company feels it has been unlawfully mishandled. BOA is mega bank that has made lots of money and interest off our company and many others. This refusal is egregious and predatory on BOA 's part. BOA has refused to take responsibility. Your assistance is appreciated. Thank You.
Product: Checking or savings account

Seven unauthorized wire transfers totaling {$6800.00} was withdrawn from my business checking account on XX/XX/year>, by Chase Bank. I never transfer any monies by wire. On XX/XX/year>, I was notified by XXXX that someone was trying to access my mobile banking and was advised to notify Chase. On XX/XX/year> I notified a bank officer at the XXXX, PA Chase Branch. I was advised to change username and password which I did. That obviously didn't work. 

I sent Chase information backing my claim. There comment was this was a lot of money. 
The bank manager at the XXXX, Pa branch also talked to corporate on my behalf, but this didn't work.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX XXXX {$980.00} XXXX XXXX  XXXX {$1800.00} XXXX XXXX XXXX  XXXX {$2300.00} XXXX XXXX XXXX {$7000.00} XXXX XXXX {$300.00} XXXXXXXX XXXX  XXXX {$110.00} XXXX XXXXXXXX {$1200.00} XXXX XXXXXXXX {$160.00} XXXX XXXXXXXX {$64.00} XXXX XXXXXXXX XXXX {$8800.00} XXXX XXXX XXXX {$5000.00} XXXX XXXX  XXXX {$4400.00} XXXX   XXXX XXXX {$1200.00} XXXX XXXXXXXX XXXX {$1300.00}
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX XXXXXXXX Account Number : XXXX Account name : XXXX XXXXXXXX Account Number : XXXX Account name : XXXXXXXX XXXX XXXX  Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX  Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX
Product: Money transfer, virtual currency, or money service

On XXXX XXXX XXXX XXXX  I iniated a wire transfer as a down payment to Tesla Motors. The amount is XXXX. The funds were deducted from my XXXX account, but were not received by Tesla. I have attempted to recall the transfer with XXXX but have not received my money back. 
The number for the wire transfer is : XXXX
Product: Checking or savings account

On XX/XX/2020, I had six unauthorized foreign transactions made using my Paypal MasterCard Debit Card. I filed disputes for all six transactions, as well as reported my card lost/stolen. On XX/XX/2020, I received emails from the Paypal dispute department stating that the disputes were denied and PayPal would remove the temporary credit refund of all the transactions because, in their words, " you stated that your card was lost or stolen in XX/XX/XXXX and [ these transactions ] occurred before that date ''. 

I reported my card stolen as soon as I discovered these transactions, and it was within the CFPB 's 48 hour limit to remove fraud liability. XX/XX/XXXX and XX/XX/XXXX are only a single day apart, after all. These are unauthorized transactions to foreign merchants that I have never heard of, and I should not be held liable for a single cent of the money that was stolen from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX ] [ XXXX XXXX XXXX ] XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] [ XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] [ all 3 credit bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( XXXX ) to be in error : Account Name : [ XXXX XXXX Account Number : [ ] XXXX Reason : [ need it remove been to long ASAP PLEASE ] By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX
Product: Debt collection

I lost my job during the pandemic and I applied for rental assistance which I was awarded. Payments were made to the property and I attempted to set up payment arrangements to try and decrease the balance. While at this property all bills were included in the rent for the amount of {$720.00} monthly. This was a flat rate, I asked for a print out of what I am being charged and the agreement and I was provided falsified information.
Product: Credit card

bank of America sent me a promotional rate to use. I payed off my credit card with bank of America to take advantage of the new rate on the XXXX of XXXX they assured me I would have {$14.00} sent to my bank I called them XXXX of XXXX they assured me the funds were enroute. no money! I called today XXXX of XXXX they told me I had giving wrong acct info, expect deposit by XXXX of XXXX I ask them to ck there recordings of conversation they would not admit whose was at fault.senior in real hardship.help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. There are multiple errors shown in my report. Please verify that all items are XXXX percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these inquiries and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XX/XX/2021 XXXX XX/XX/2021
Product: Debt collection

I am writing to dispute and request the immediate removal of several accounts on my credit report that are inaccurately marked as charge-offs due to identity theft. I have recently become aware of this fraudulent activity, and I am taking prompt action to rectify the situation. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. 

The fraudulent accounts in question are as follows : 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 have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

I have attached supporting documentation, including a copy of the identity theft report filed with the appropriate authorities and any other relevant information. This documentation serves as evidence of the identity theft and supports my request for the aggressive and immediate deletion of these erroneous charge-off entries. 

I understand that, according to the Fair Credit Reporting Act ( FCRA ), the credit reporting agencies are required to conduct a reasonable investigation into any dispute within 30 days of receiving the dispute. Given the nature of identity theft and the potential harm it can cause to my financial well-being, I request that you expedite this process and take aggressive measures to remove the fraudulent charge-off accounts from my credit report at the earliest possible time. 

I kindly request that you provide written confirmation once the investigation is complete and the inaccurate information has been removed from my credit report. Additionally, please ensure that my updated credit report is sent to all entities that have received my credit information within the last six months. 

Your immediate attention to this matter is crucial, and I appreciate your prompt assistance in resolving this identity theft issue. If you require any further information or documentation, please do not hesitate to contact me.
Product: Credit reporting or other personal consumer reports

This is a complaint against Nelnet. During COVID, when all student payments were paused, I WAS STILL PAYING MINE. I applied to XXXX for the PSLF program and then my loan was paused while the loan was switching from Nelnet to XXXX. I received 2 letters from Nelnet ; one stated my loan was paid ( transferred ) and another stating the loan was 90 days past due, when it was paused due to the loan being transferred to XXXX. It was ILLEGAL TO DO SO DURING THAT TIME, AS ALL STUDENT LOAN PAYMENTS WERE PAUSED. I contacted Nelnet upon receipt of this letter and the TREMENDOUS HIT TO MY CREDIT SCORE and they denied making a report to the credit bureaus. My credit score dropped from XXXX to XXXX in XXXX DAY. Upon checking my credit score today, It is still showing as delinquent on my credit report. I want this removed immediately. This has had a huge financial impact me and the delinquency was false information in violation of the CARES imposed during Covid. 
***The U.S. Department of Education expanded the student loan borrower relief offered under the CARES Act to defaulted student loan borrowers in the FFEL Program . As a result, XXXX has suspended all adverse collection activities and interest accruals through XX/XX/year>. **** This report made by Nelnet to my credit report is a DIRECT VIOLATION OF FEDERAL LAW.