23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have a prepaid Visa Bank of America Reward Card that expired XX/XX/22. I called Bank of America customer service and they told me I had {$340.00} left on the card that is now closed and the funds are " gone ''. They said the funds do not go to them ( BOA ) or back to the business that issued me the card. I asked for a replacement card and I would be happy to pay the fee for this and they told me no. The funds are gone. The account is closed and the funds are gone. I asked to speak to a supervisor who told me that once the card expires I loose the funds. I read on the back in small print that once it expires, the funds have no value after that but how can that be?
Product: Checking or savings account

On XX/XX/XXXX, my checking account was charged a {$29.00} returned check fee as a result of an ACH transaction presented for payment in the amount of {$820.00}. At no time during the statement cycle was my account ever below {$1000.00}. I requested assistance and clarification about the charge from my credit union ( Navy Federal Credit Union ). They responded that funds deposited into the account were not available, however the transaction log clearly indicates funds were deposited on XX/XX/XXXX. Regardless of the deposit timing or funds availability, the account balance would still not have fallen below {$820.00} ( the ACH amount presented for payment ). As a result of Navy Federal declining the payment and subsequently charging the account a {$29.00} fee, I incurred an additional {$30.00} fee from the merchant who presented the ACH payment ( FACTS payment system ). Navy Federal has not acknowledged its mistake nor compensated me fairly for my lost money, time, nor compensatory make whole relief for the ordeal they created. Navy Federal has agreed to refund the {$29.00} fee, however it took an extraordinary amount of customer time and effort to resolve their willful mistake. It appears Navy Federals internal accounting is prioritizing consumer fee receivables and targeting itss low income military and veteran customer cohort with predatory fee structures. Navy Federals reliance on a self-serving funds availability policy misleads consumers as to the actual available account balance. A review of account running balance amounts in comparison to when Navy Federal supposedly makes funds available makes it clear that Navy Federal is creatively interpreting its own policies to yield fees from its customers. This is predatory and should be stopped. If my running account balance says {$2000.00}, how can I have less than {$830.00}? Fraudulent accounting is how.
Product: Mortgage

We are signed up for automatic recurring payments with Ocwen to have monthly payments drafted from our checking account on the XXXX of each month. For some reason, Ocwen has not drafted the XX/XX/XXXX payment as of XX/XX/XXXX. We had requested for Ocwen to stop drafting funds from our checking account if a valid transfer of assignment could not be provided. Ocwen has not been able to provide a transfer of assignment that was processed before closing date of the trust of XX/XX/XXXX. Only transfer of assignment that Ocwen has provided was 5 years after the closing date of the trust. We have not requested to be removed from the ACH program. I am concerned because of the issues I have raised against Ocwen and XXXX XXXX XXXX XXXX as trustee for Option One Mortgage XXXX XXXX XXXX, that Ocwen is trying to cause our account to be late ( and in default of the loan modification agreement ) by not applying the automatic payment on XX/XX/XXXX. I did not cancel this payment request.
Product: Consumer Loan

I did not give permissable authorization for XXXX XXXX XXXX give my credit report information to Regional Acceptance Corporation for a application on a vehicle loan. I have governmental XXXX financingnever signed anything asking the agency for a loan. The corporation solicited expolitation of my identity using A false address. The actions taken by this company was fraudlent and assistant CEO executive XXXX was notified about their hard inquiries about them violating my credit privacy. I hereby warned Priority store manager XXXX that I demanded their office to call all 8 companies that have been CFPB reported to remove their inquiries from my consumer credit reports. No where did I sign application or ask for a single dollar from this affliation and want total immunity.
Product: Checking or savings account

On XXXX XXXX I had a third party sending a {$50.00} from my account and Navy Federal put your account in the pending status. Navy Federal returned returned this this automatic withdrawal to draw and with the {$29.00} and then deposit the money into my account the next day okay there's no such thing as a pending. They have since ceased putting the pending on to my accounts but why I don't know and I would like to know myself anyway but but the money went in there the next day okay you need my money is pending and they know they got my money and they're going to charge me {$29.00} returned check fee. This Bank changes the policies every single month you know here it was XXXX time and they told me the money will be deposit it on on XXXX of XXXX XXXX the XXXX and XXXX and I called in at XXXX and they will release my money okay I called in they told me it would be released on the side and Saturday it doesn't make sense anyway. I also send in my bills when I get paid and I'm in the dude my debit card and do my account okay now I'm poor dad come back come back as insufficient when I was giving a confirmation number. I assume that that the money was moved on and think I have some money cleared and and to find out about four five days later maybe seven that that hey look that that the money wasn't there so so I'm talking about how to get money and something needs to be done. This credit Union is is retaliating against me but because I complain about it okay that you know I can't get a straight answer out of nobody okay I called in they say okay you calling and XXXX in the XXXX  and your money will be released out of pending status. When I call when I called me they tell me Daddy will be released on a Saturday okay I've never heard of that that don't even make sense but but anyway this is always something different then sometimes but I call back and call the different person and release and somebody taking me something different.
Product: Debt collection

This complaint serves as a formal demand for an immediate and thorough investigation into specific items tarnishing my credit report. These inaccuracies are not only false but are inflicting severe financial and emotional distress due to their derogatory nature. The items listed below demand your urgent attention for deletion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I obtained {$1000.00} cash advance x XXXX on XXXX, XXXX, and XXXX/XXXX/15. When I received my statement in XXXX, 2015, I immediately repaid the {$3000.00} plus associated fees. Furthermore, I have paid my account in full every month in 2015. For some reason, citibank has billed me interest on the XXXX/XXXX/15, XXXX/XXXX/15, and XXXX/XXXX/15 statement, totalling about {$240.00}. Furthermore, the current statement shows the balance of the cash advance as INCREASING as interest is accrued. But the cash advance was PAID OFF IMMEDIATELY, along with the entire balance of the card every month.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XX/XX/XXXX ( XXXX yrs, XXXX mos ) Paid balance in full XX/XX/XXXX and still showing in my Equaifax and XXXX. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

In   XX/XX/XXXX , i t is alleged by  XXXX  that I made a late payment on my student loans. Whether this is true or not is the matter at hand. What I 'm filing a complaint about today is that after  XXXX  reported this to the credit bureaus, it shows up as  XXXX  delinquent accounts since my student loan was in  XXXX  installments. But this is misleading and inaccurate for the following reasons.  <P/> When  XXXX  sent me emails they said, " my account is ready to be paid. '' Note, it did not say accounts, plural. When I mailed in a check each month, it was paid w ith one check. When I paid the loan off in full in  XX/XX/XXXX , I made one payment with one check to satisfy the remainder of the loan. I made one late  payment, it should be reported as such. A prospective employer, landlord, mortgage provider view me as someone who made  XXXX  late payments. But I 'm not. Fact.  <P/> I tried contacting  XXXX  and the credit bureaus but they ignore me. It is very difficult to get a hold of someone from the credit bureaus. This misleading and inaccurate info on my credit report has hurt me financially. What was once a viable next step in my life of purchasing a home has become a nightmare that likely wo n't happen until all these negative remarks are off my account in the year   XX/XX/XXXX .  I 've been told by landlords my   credit score is too low. When I applied for a personal loan, the interest rate was 32.5 %! Is that even legal?
<P/>
Update : I got an email from a criminal investigato   r with so me organization. I was so excited that someone might be investigating criminal charges against  XXXX , I told all my frie nds. One said be careful, figure out who is contacting you. I  XXXX  it and found this organization i s actually  XXXX ! Why would  XXXX  send a CRIMI NAL investigator to cont act me without saying they are from  XXXX ? More misleading and shady behavior from a corrupt organization. Is there goal to scare and intimidate me? In the last email from this  investigator he says, " we will consider your case closed if you do n't contact us. '' Hahahaha! T his is far from closed  XXXX .
Product: Checking or savings account

Back in XX/XX/2022, They kept pulling money from my account when there were no funds. And this kept occurring at least once or twice throughout the months I had my checking account through them until I voluntarily closed my accounts. I still had to pay money to cover the negative balances, after they had taken some of the transactions off. Called them on several occasions and told them I did not authorize for payments to be taken out when there were no funds in account. At XXXX time, I was over {$600.00} in the negative because I got a paycheck from my employer. The funds went into the account, things were pulled as normal, but then they withdrew my paycheck which caused the balance to be - {$600.00} dollars in my checking. When I called customer service from my employer, they told me it was on Wells Fargo and that they REJECTED my pay from going through. When calling Wells Fargo customer service, they told me I never received my pay from them and that my employer was the one who withdrew the pay due to Wells Fargo not confirming I was an account holder. After checking my account numbers with my employers, all of my information was correct. When receiving my paycheck the second time after they had rejected my pay from going through, it left me with a XXXX balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was victim of identity theft and there are unauthorized hard inquiries on my XXXX Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was victim of identity theft and there are unauthorized hard inquiry on my Experian Credit Report : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Due to your violations, I will take legal action and submit a complaint for small claims for default judgment, which allows up to {$1000.00} per violation. I am requesting an ALLEGED DEBT to be VALIDATED, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) validation of debt section, 15 USC 1692g. I also demand a request for accounting of this alleged debt, pursuant to the Uniform Commercial Code, UCC Article 9-210. Therefore, I demand validation and verification of the alleged debt. Furthermore, it is imperative that you notify CREDIT BUREAUS REPORTING THIS ERRONEOUS ACCOUNT to delete this information from my credit report immediately. The account in question is detailed and Unauthorized Accounts include the following : XXXX CARD XXXX and XXXX  XXXX In addition, I am requesting for a copy of the 1099-C filed for the charged-off debt. XXXX CARD and XXXX must provide this to me, as the consumer, or you will be neglecting to comply with FEDERAL law. This leaves me no choice but to assume that you have neglected to comply with XXXX law by not filing a 1099-C as mandated. Consequently, I am compelled to inform you that I will report XXXX CARD and XXXX to the IRS for XXXX XXXX XXXX using Form XXXX if prompt action is not taken. As per IRS regulations, a canceled debt of {$600.00} or more necessitates the filing of a 1099-C form by federal or government agencies, or applicable financial entities. Failure to comply with this requirement constitutes tax fraud, a serious offense that I will not hesitate to report to the IRS. It is essential to understand that a canceled debt is considered ordinary income by the IRS. Consequently, any failure to file a 1099-C form, or any attempt to conceal such actions, constitutes inaccurate reporting. Income is not to be included on a credit report, and any such inclusion violates consumer laws and regulations. Your company 's actions are in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681s-2, which outlines the responsibilities of furnishers of information to consumer reporting agencies. Under this statute, it is prohibited to furnish inaccurate information knowingly or with reasonable cause to believe it is inaccurate. It is imperative that you take immediate steps to rectify this situation by deleting the inaccurate information from all consumer reporting agencies. Failure to comply will result in legal action being pursued, including holding XXXX CARD and XXXX accountable for willful noncompliance under 15 USC 1681n ( a ) ( 1 ) ( A ). This statute stipulates that any person who willfully fails to comply with FCRA requirements may be liable for damages sustained by the consumer. I urge you to act swiftly and cease reporting this item to avoid further complications. Kindly delete this off my report immediately.
Product: Vehicle loan or lease

I moved from XXXX to XXXX, and need to get a XXXX title. I called my lender, Fifth Third Bank, for a faxed copy of my title, and they stated that all title matters were handled through XXXX. 

On XX/XX/XXXX, I tried to initiate a state change from the XXXX website. It said the fee would be {$36.00} to mail the title to my new state 's vehicle license office. 

I decided to call them instead at XXXX to see if they could fax the title, as it should be cheaper and faster to fax the title. When I talked to the agent, I asked them if they could simply fax the title over, they said no, they can only mail titles because " it is a legal document ''. 

They said it's a {$43.00} fee over the phone or {$36.00} online. I said that frankly that fee seemed a bit outrageous and asked if they could waive the fee, they said they can't, but they could refer me back to Fifth Third if I wanted to take it up with them.

I talked with my local vehicle licensing office, and they had never heard of such a title fee. The person on the phone sounded surprised, and frankly, this seems like a ripoff to me. I didn't realize the fees would be so high, and if this was disclosed, I would have chosen another lender.

So I decided to contact Fifth Third again on XX/XX/XXXX. The agent XXXX was very friendly, but informed me that yes, all title matters have to go through XXXX. I told her that the fee seemed really high, and she said that was the only option. 

Which brings me here. Fees of this nature should have to be disclosed upfront, like they do with credit cards. I find this fee outrageous and excessive. The fee itself is not the problem, I am upper middle class, but I do not feel it is morally right to pay this fee without bringing attention to this new practice. It turns out that a lot of auto loan vendors have taken to using XXXX, I'm sure that it greatly reduces their costs, and perhaps they even receive a kickback, leaving the customer to foot the surprise bill. 

Not to mention the fact that mailing the title is slower and less secure than fax. What if the title gets lost or stolen? I read multiple horror stories online of this happening with XXXX.
Product: Debt collection

I had home warranty with XXXX for 2 years. I called for plumbing issue that was covered by the home warranty but the person they send was in a rush talking to his phone and said he will come back but he did not. I will not pay for this since the problem was never fixed per agreement.
Product: Debt collection

I paid my debt to the original creditor in monthly installments. The debt has been paid in full. On XX/XX/2020 I received a notification of a debt on my credit report from XXXX  and XXXX. The original amount the debt collector provided is incorrect. I was not notified of the alleged debt prior to getting the notification on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting this account incorrectly. This account has been paid in full and should reflect so. Please update this account to paid in full as agreed.
Product: Bank account or service

I have been trying to work with BOA for over 2 years on how they charge me fees, they continue change me fees when funds are in the account but when I a transaction comes in saying pending they go ahead and change fee if balance is low even if the transactions has not posted to the account so far I am up to XXXX in fees over the last to months, because I have a small business I cant close the account is up until my contact is up with government, When you speak with some manager they say they 're not to charge a fee until it post to the account, they change/post fees then post the payment putting you overdrawn prior to payment posting something needs to be done its XXXX seeing your money go to fees when you have funds in your account to cover some of these payments. 
I glad this is not my only bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX ) XXXXXXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Upon review of my consumer credit reports from XXXX, XXXX, AND EXPERIAN, I noticed the following errors : Outdated address information. Incorrect names, and Unknown employers. 

I ALSO FOUND THE FOLLOWING ERRONEOUS INFORMATION WITHIN MY EXPERIAN, XXXX, AND XXXX CONSUMER REPORTS : account from XXXX XXXXXXXX opened XX/XX/XXXX. This account was opened fraudulently. An account from XXXX XXXX opened XX/XX/XXXX listed as an authorized user. I have never been an authorized user on and XXXX XXXXXXXX account. An account with XXXX XXXX XXXX XXXX XX/XX/XXXX. This account is fraudulent. An account with XXXX XXXX XXXX XXXX opened XX/XX/XXXX. This account was opened fraudulently. An account with XXXX XXXX XXXX  opened XX/XX/XXXX opened fraudulently. I have requested to be removed from a closes XXXX XXXX account opened XX/XX/XXXX as that account does not belong to me. An account that was sold to XXXX XXXX XXXX XXXXrom original creditor XXXX XXXX reported as opened XX/XX/XXXX is a fraudulently opened account. A collection account bought from XXXX XXXX by XXXX XXXX XXXX opened XX/XX/XXXX is a fraudulently opened account. An account sold to XXXX XXXXXXXX XXXX by XXXX XXXXXXXX XXXX  opened XX/XX/XXXX is a fraudulently opened account. 
FRAUDULENT INQUIRIES IN MY EXPERIAN CREDIT REPORT ARE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXo EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Each account, and inquiry I have listed XXXX XXXX are in fact fraudulent, as i did not provide consent to these companies to utilize any of my personal identifying information to establish an account, and/or provide services. 
I have been unsuccessful in my attempts to remove the fraudulent information from my consumer report.
Product: Checking or savings account

My Regions checking account was withdrawn for a few hours past the XXXX " grace period ''. I was charged twice within a week. Given that legislation is pending in Congress that would make these fees illegal, I would like all {$100.00} of MY money returned to my account or I will employ a consumer protection attorney and I will be using for far more than {$100.00}.
Product: Debt collection

Portfolio Recovery has continued to collect a debt that does not belong to me. I have asked for verification of debt a twice with no response. They have also contacted my family members about the debt.
Product: Mortgage

Bank of America offered a refinance loan of 1.51 to refinance my loan currently I'm paying {$2800.00}. the new would lower my payment to {$420.00}. My debt to ratio is not a problem, my income is not a problem the bank did use my XXXX  tax return. My cash on hand is good the bank took over 2 and a half without looking at all the documents it no way they should have refused this loan. Something is wrong at Bank of America1