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

It came up that there was over {$1000.00} gone from my account. I called and spoke to the people from the unemployment go card. This person was only able to get a hundred and some dollars off and there was a freeze on the rest of the money that my account was frozen. So I go from a long time not being able to use my card have to get a new card. Just to find out now they say that money that was frozen there's no record of it. supposedly has taken almost {$200.00} off and then over {$800.00} that was supposedly Frozen they say they can't find. I had to file a fraud claim I did I was able to tell them my exact last purchase.I was sitting there talking to them on the phone looking at my card website money was being taken off of it when they told me it already been canceled.I told them that there still money  being taken. I have gone around and around so much with them I have filed two fraud claims. I have got nowhere .Then the last person I spoke with was completely rude and told me that I was supposed to file a police report within 24 hours I was never told this and he says '' wouldn't you if you lost a cell phone ''. I've never had to deal with anything like this obviously I need the money or I wouldn't be on unemployment. My  money has been stolen either by this company or somebody else and they will do nothing about it. They say they have no record of this money that they froze
Product: Debt collection

Apparently a medical bill for my daughter was unpaid. I was not contacted even though I have kept the same phone number after our divorce. I have always requested that my mail be forwarded to my most recent address. I have lived in the same small town for more than 10 years. I am in the phone book. As soon as I learned that there was a " bad Debt '' on my credit report I contacted both the collection agency and the medical provider. I have since paid the medical provider in full. The collection agency ( Hauge and Associates ) still 1 ) Has me listed as owing XXXX on my credit report and 2 ) Is still expecting to collect a fee for something they neglected to even try to bring to any sort of conclusion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for Fraud Alert or Identity Theft last XX/XX/XXXX due to using of credit card services without my consent. I pulled my report last XX/XX/XXXX and found another fraudulent credit card account from XXXX XXXX XXXX with account number XXXX. This is seriously fraudulent and extended credit without contacting me personally to verify my identity.
Product: Student loan

Navient deadline for XXXX  renewal is in XXXX, but the deadline to submit is in XXXX. Prior to the deadline, on XXXX2024, I sent Navient, as well as the other XXXX of my loan servicers, a complete XXXX renewal with proof of income. These were paper, because the XXXX site was not taking XXXX renewals online at that time, therefor Navient was provided with a paper renewal and proof of income. XXXX of the loan servicers approved XXXX : I am well qualified within the poverty guidelines. Navient did not approve it. 
XXXX XX/XX/year>2024 - Navient PDF on their website requested signature for proof of income XXXX XXXX 2024 - Uploaded PDF on Navient website with signed Proof of Income XXXX XX/XX/year>2024 - Navient PDF wants names and addresses of income sources YTD XXXX XX/XX/year>2024 - Uploaded names and addresses ( after hospitalization ) XXXX XX/XX/year>2024 - Navient PDF is duplicate of XXXX XXXX No acknowledgement, no new information requested, still not approved. 
XXXX XX/XX/scrub> 2024 - Navient email to outdated address acknowledges no XXXX communication, threatens expiration of XXXX without renewal and raised payments XXXX XX/XX/scrub> 2024 - Written request to FSA Ombudsman for assistance XXXX XX/XX/scrub> 2024 - FSA Ombudsman email re-directs me to CFPB XXXX XX/XX/year>2024- This online filing for assistance with CFPB
Product: Credit card or prepaid card

I closed an credit card account with citi bank security credit card and left a balance of - {$420.00} Due excessive payments the banking is making difficult to return this money back to me, I got only {$65.00} check sent by mail and the bank keep holding {$360.00} since XX/XX/XXXX.
Product: Credit card

Synchrony Bank calls up to 10 times a day regarding a delinquent credit card account.
Product: Debt collection

I answered a phone call from an unknown number who stated I owed for a {$990.00} purchase in a paypal credit card. 

Ive never had a paypal credit card and it doesnt show up on my paypal account, or any credit report I run. 

They filed it as fraud then found it to be valid. 

XXXX XXXX XXXX said there was only XXXX purchase in the account and no payment was ever made. 

They are threatening league action.
Product: Debt collection

I am writing to express my dissatisfaction with the inaccurate reporting of the following accounts on my credit report. I expect prompt action to hold the banks accountable for their commitment to remove these accounts after a thorough review. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Mortgage transferred to Loancare LLC on XX/XX/XXXX.  Attempted to make payment, but was told not to send one in ( check ) because it wo n't apply to my account. Gave me a new mortgage number from them and attempted to pay online. Does n't work. Called them ( XX/XX/XXXX ) and was told they have no record of me. Told me to wait another 30 days and call them back. Mortgage is due today ( XX/XX/XXXX ). I just wish to make my payment on time, with no fees with an company who actually has record of me. It 's a bit odd to me that they gave me an account number, but it 's not valid through them?
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX I opened a XXXX credit card with XXXX XXXX. Since then I have had exceptional payment history thats not being reported by Equifax. 

I reached out to XXXX XXXX and they told me they are reporting this account to Equifax. 

Equifax is not properly reporting my account, they arent even reporting it and it adversely affects my credit standing.
Product: Credit card

XX/XX/2018 a American express account was opened and applied for without my consent. My identity was stolen that year.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : 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 an 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: Checking or savings account

My original complaint is XXXX that was filed on XX/XX/2020 where my account was locked on XX/XX/XXXX and closed by Bank of America on XX/XX/XXXX without warning and for no reason. I am still waiting for a check for over {$19000.00} a month later and for a XXXX XXXX owner it has caused a severe problem for me. I met with XXXX XXXX on the XXXX of XXXX and again yesterday with the bank president but they still could not supply me with any information on the check. I got an email from XXXX XXXX with B of A on XX/XX/XXXX telling me she was handling the case and I needed to contact her by the XXXX of XXXX. I called and emailed her every day and got no response but finally she called and left a message on the XXXX but I still do not have my money. This issue of closing accounts for no reason by B of A seems to be a practice they do to thousands. Your help is needed. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Letter to Remove Inaccurate and Fraudulent Inquiry From My Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX This Account is Inaccurate and Fraudulent Inquiry Please Delete at Once 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX This Account is Inaccurate and Fraudulent Inquiry Please Delete at Once XXXX. The inquiry was not authorizeXXXX XXXX XXXX XXXXF Date of inquiry : XX/XX/XXXX This Account is Inaccurate and Fraudulent Inquiry Please Delete at Once 4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX This Account is Inaccurate and Fraudulent Inquiry Please Delete at Once 5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX This Account is Inaccurate and Fraudulent Inquiry Please Delete at Once 6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX This Account is Inaccurate and Fraudulent Inquiry Please Delete at Once XXXX. The inquiry was not authorized COSUMERPOR Date of inquiry : XX/XX/XXXX This Account is Inaccurate and Fraudulent Inquiry Please Delete at Once XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX This Account is Inaccurate and Fraudulent Inquiry Please Delete at Once 9. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX This Account is Inaccurate and Fraudulent Inquiry Please Delete at Once 10. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX This Account is Inaccurate and Fraudulent Inquiry Please Delete at Once 11. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX This Account is Inaccurate and Fraudulent Inquiry Please Delete at Once 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 XXXX
Product: Checking or savings account

Subject : Formal Complaint Against Bank of America for Unauthorized Account Closure and Seizure of Funds Dear Sir/Madam, I am writing to formally lodge a complaint against Bank of America concerning the unauthorized closure of my bank account and the unjust seizure of {$10000.00} from my account balance. This action has occurred without explanation or justification, and it has been over two months since the funds were taken. Despite numerous inquiries, Bank of America has refused to provide any reason for these actions. 

Background of the Issue : Initial Account Activity : Since I am a XXXX I initially received a transfer of {$64000.00} from a client, intended for expenses related to necessary property repairs under an insurance claim. After spending {$34000.00} on supplies and payments to workers, I was left with a balance of {$30000.00}. 

Account Closure and Fund Seizure : Approximately one month following the transfer, Bank of America froze my account for over 2 month then subsequently closed my account. During the freeze, I managed to transfer {$20000.00} via XXXX on the advice of a bank manager who tried to get information about the account while I sat in his office but they wouldn't tell him anything and he was the small business manager. He proceeded to tell me to try and get as much funds out of the account as possible because it looked to him like they were going to seize my funds. One month later the bank seized the remaining {$10000.00} without providing any explanation or prior notice.

Lack of Communication and Transparency : Despite repeated attempts to engage with the bank and obtain a clear explanation for the closure and seizure of my funds, I have received no substantial response. I have also accessed my data from the XXXX XXXX XXXX  which revealed no information that might justify the bank 's actions against me. 

The sudden loss of access to my funds has severely disrupted my business, causing delays in project completion and financial strain due to the inability to process transactions and meet business obligations. 

Purpose of the Complaint : This complaint is submitted to request the Consumer Financial Protection Bureaus intervention to investigate this matter. The lack of justification and communication from Bank of America regarding the seizure of my funds and the closure of my account warrants a thorough review to prevent such unjust practices and ensure that appropriate measures are taken to rectify this situation. 

I am enclosing all relevant documentation pertaining to this case, including bank statements and correspondence attempts with Bank of America. I appreciate your attention to this urgent matter and look forward to your prompt response and assistance. 

Thank you for your support and intervention. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an unauthorized credit inquiry on my report. I let them ( JcPenny, XXXX, Alabama ) run a credit check on XX/XX/XXXX. I checked my credit on XX/XX/XXXX and saw that another inquiry was done without my permission. Thank You
Product: Mortgage

I tried for 46 months to get a loan modification with XXXX and Ocwen. I had a sincere desire to get something done, but at every turn it seemed like the lenders did n't really want to help me. I got excuses, from " you did n't send in all the paperwork ( which I did multiple times ), to we lost it, to you did n't get it in on time so you 've got to start over. '' I never would have been that far behind on my loan had the banks given me what I deserved when I first asked for it. My loan originated with XXXX and was a ridiculous 9 % interest only loan, which I have been told is considered PREDATORY. After 46 months and no sign of help from Ocwen I finally had to hire a law firm to try to get me a deal and make sure Ocwen did n't just sell the house out from under me. The law firm did get me a modification, but it does n't take me out of hardship. While the lender did lower my mortgage payment, the payment is still 52 % of my gross monthly income. According to the HAMP guidelines, I was under the impression that my lender was suppose to lower my mortgage payment to between 31 % and 38 % of my income, but they did n't do that. To top it off, they have thrown a $ XXXX baloon payment onto the back of the loan. They sent an appraiser over to appraise the value of the house and he did n't even come inside. They are trying to say that my house is worth much more than it is. While there is a mansion with all the best materials that sold down the street for $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX ) recently, my house is only similar to that house in square footage. Another house in the neighborhood which is a lot more comparable to mine XXXX XXXX XXXX XXXX XXXX just sold for $ XXXX. According to the lender I owe them over $ 740K, but they did not reduce my balance because they are trying to say my house is worth much more than it is. While I am grateful to get anything after 4 years of going through XXXX with my lender, I have XXXX kids and simply can not afford a {$3100.00} payment on {$6000.00} in gross income. My hope is that you will investigate this matter and at the very least force my lender into giving me a fair deal so that me and my family do n't have to move. I believe they could have lowered my payment further if they were n't trying to deceptively and artificially raise the value of my home. I also believe the $ XXXX baloon payment is obnoxious and unethical. Is n't the point of these programs to give the homeowner a fair shake so they do n't have to ask for assistance again in the future? 38 % of my gross monthly income is $ XXXX/month, so how can the lender justify a {$3100.00} payment? I want to keep my home, but I also need to feed my family and pay for bills. Please help me get a fair shake with Ocwen.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've mailed Debt Validation -609 Letters to XXXX, Experian, and XXXX dated XX/XX/2022. I also sent Method of Verification Letters regarding the negative items reported in my account. No one has responded for more than 30 days. I disputed it for lack of accuracy for the negative items added to my account
Product: Money transfer, virtual currency, or money service

I am writing to file a formal complaint against Cash App, operated by Block , Inc., under the Electronic Fund Transfer Act ( EFTA ) and Truth in Lending Act ( TILA ), due to fraudulent transactions, inadequate security measures, and failure to provide adequate customer service. 

Legal Violations and Description of Issue : 1. Fraudulent Transactions ( EFTA 1693g ) : Unauthorized charges occurred on my account, and Cash App failed to properly investigate and address the issue in a timely manner.

2. Failure to Secure Account ( EFTA 1693c ) : Cash Apps inadequate security measures exposed my account to fraud, and they failed to take proper action to protect my funds and personal information.

3. Failure to Provide Timely and Effective Customer Support ( TILA 1666 ) : Despite multiple attempts to resolve this matter, Cash App has not provided adequate customer service or refunded my losses. 


XXXX XXXX XXXX XXXX
Product: Credit card

This is for a Bank of America credit card. Due to the charge offs made to my account XXXX, XX/XX/2021 from me having to take care of sick family and then the sudden and unfortunate effects from XXXX happening short after, Bank of America closed my account. Since opening and beginning my payments for this card I have not and was not late for an entire year. I had an exceptional payment history. Until said circumstances above came into play. I asked family that were able to help, help continue making payments but they fell short. I have since then asked Bank of America to remove this credit card from my account but they have refused. Even though It was very clear I had exceptional payment history with them and had no intentions on not making payments. This is no way to treat customers that were struggling with devastating family news and illness but still trying to pay there bills on time. I will like someone to look into my account and attempt to take this account off. Please I would be grateful Thank you.
Product: Mortgage

My mortgage was transferred from XXXX to PNC in mid XXXX, 2016. I made my XXXX, XXXX and XXXX payment to PNC without any problems. My mortgage payment to PNC on XXXX XXXX, 2016 was charted as NSF on XXXX XXXX, 2016. When I called PNC to inquire about why I owed XXXX payments in XXXX and proved that my bank had successfully paid the XXXX payment, an investigation was open. The conclusion came and PNC stated that the money had been requested by XXXX and they paid XXXX money in a lump sum ( from multiple payees ) through a wire transfer to a specific person. They could not provide information as to why the money was requested and suggested I contact XXXX. I did and they opened an investigation and can not verify why the money was requested and stated that PNC should know the reason if they sent the money. I have been back and forth with both companies since XXXX. For the months of XXXX, XXXX, and XXXX, a woman who worked at PNC, a team leader, allowed me to make payments one month at a time until this was resolved since there is a supposed missing payment. This month I have been unsuccessful in contacting her and have been transferred from person to person with no resolution. I have asked repeatedly if I can make my XXXX payment, but PNC will not take " partial payment '' and state that I need to make XXXX payments. I would like to be informed as to why this money was transferred to a third party company three months after my mortgage was transferred to PNC. If I do not owe the payment in question, I would like this cleared from my record. If I do owe it, I want to be informed as to why before making a payment. It seems for the past three months no one has resolved the issue. It is only creating time lost on my end making the phone calls repeatedly over and over again. Also, when I am successful making a payment at PNC they charge a XXXX service fee for not having an account with them. I am not sure why this is allowed since I did not ask for PNC to hold my mortgage, rather it was transferred to them.
Product: Debt collection

The company by the name of Portfolio Recovery Associates have been calling my home 7 times per day every day even on Sundays even after I have asked them to stop I advised that I dont have any business relationship with them and if there is any communication to be had then they should mail it. This harassment continues as of the date of this complaint. Early morning late nights and even on XXXX
Product: Credit reporting or other personal consumer reports

Subject : Urgent : Request for Assistance with Accessing Credit Report Dear Equifax Support Team, I hope this email finds you well. My name is [ Your Name ], and I am writing to bring to your attention an issue I am currently experiencing with accessing my credit report through your platform. 

I have made several attempts to retrieve my credit report using the online portal, but unfortunately, I have been unsuccessful in obtaining the information I need. I understand the importance of regularly checking my credit report for accuracy and monitoring my financial health, and I am eager to address any potential discrepancies or issues. 

The details I used for verification purposes match the information on file, and I have followed the recommended steps outlined on your website. Despite my efforts, I continue to encounter difficulties in accessing my credit report. 

I kindly request your prompt assistance in resolving this matter and providing me with access to my credit report at the earliest convenience. If there are any additional steps I need to take or information required to facilitate this process, please do not hesitate to let me know. 

To assist you in identifying and addressing the issue, here are some relevant details : Full Name : XXXX XXXX XXXX XXXX Date of Birth : XX/XX/1998 Address : XXXX XXXX XXXX XXXX XXXX Ca XXXX Social Security Number : XXXX I appreciate your prompt attention to this matter and would like to thank you in advance for your assistance. If there is a specific department or contact person who can help expedite the resolution of this issue, please provide their contact information. 

I look forward to your prompt response and a quick resolution to this matter. 

Thank you for your attention and cooperation. 

Sincerely,
Product: Credit reporting or other personal consumer reports

I looked at my report on XX/XX/year>. I noticed some things are still incomplete and not accurate. 
Date of Last Activity Date Open Balance Owed : Original Creditor This account was sold without my knowledge I am not liable for this debt with XXXX XXXX XXXX. I do not have any contract with XXXX XXXX XXXX. 
According to the Fair Credit Reporting Act. 15 U.S. Code 1681e - Compliance procedures. ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.