23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2023 I received a letter from a debt collection company called Credit Management. It was late in the evening, so I called them the next day at XXXX XXXX. I got through to them and spoke to a female representative. After we arrived at a agreement about repayment, I asked for a confirmation in writing and I was told " WE don't do that. '' I informed the representative " if you want money, you have to send me paperwork ". She then informed me that '' you will receive a email confirmation in 24 hours. '' I never received anything from them. 

On XX/XX/2023 I received a phone call from Credit Management and the male representative, who barely spoke English, wanted to know when was I going to send them money. I asked when was I going to receive paperwork verifying the debt and showing the agreed payment plan as I was promised. He told me that " We don't send paperwork ''. I told him " It is my right under Federal Law, according to the FTC ''. He replied " we don't send paperwork ''. He the demanded to know when was I going to send money and I replied " If you want money, then you have to send me paperwork, it's a simple equation. I then hung up the phone.
Product: Credit card

Capital One failed to send me older statements properly that I requested for divorce hearing. I have tried for 3 months to receive statements. They mailed to wrong address 2 or 3 times but sent bill to my address. They acted like I was the XXXX, every time I called someone would tell me something different. They told me they could fax them, after a couple weeks I called and they said they could n't fax. I was supposably talking to bosses and supervisors. I was on phone for hours. Can not believe that their customer service is this messed up. I will never deal with them again and do my best to steer anyone else away from them.
Product: Checking or savings account

A check was deposited on XX/XX/2023. I received a written notice the deposit was being placed on hold. On XX/XX/XXXX and XX/XX/2023 I received emails that my hold had been released and funds available. I then got a notice on XX/XX/2023 that my account was overdrawn and my transactions would be returned. XXXX received the funds from my bank on XX/XX/2023. I called in to customer service and spoke with Manager XXXX XXXX who could not explain why my funds were on hold on XX/XX/2023 and no further notice was issued. They also had not explanation why they did this. when I received a written notice there was no hold on my account. They then pressed a button and my funds were released. 

This is not the first time this has happened. XXXX is discriminating and holding peoples funds illegally. They should not be allowed to do this.
Product: Student loan

This was to be a loan forgiveness. I graduated in late XXXX. I was to pay for 10 years and the loan was to be forgiven if I worked in the public service field. I was told my profession qualified ( NC XXXX ) and was told by the representative at the time how to fill out the paperwork. I am right at 9 years in paying, auto draft each month, so I have never been late on a payment. When I called to check on when It would be paid in full, I was told I had NOT made any qualifying payments. I was told by the representative how to fill it out so it was done correctly. I was told Mohler, the company who bought out the original student loan that my option was to increase my payment or refinance for 10 more years at almost XXXX higher a month. I now pay XXXX and some change a month. I was told I qualified and the payment set up by them and now they say It was n't qualifying payments and I have to pay another 10 years.
Product: Checking or savings account

I recently received a notice from TCF bank stating that my account had a balance of XXXX, and was being close. Upon inspection I see that they have been charging me a dormant account fee, depleting the balance of the account, and then running it negative. 

This is a local branch I use for cash exchange, and given COVID I have not had a need to go in. I received no notice of this account being dormant, or that fees were being taken out.
Product: Credit card

My credit report says that there is a credit card that has been open since 2002 when I was seven years old. There is no way that I applied for this card. The report says that the card is managed by DSNB and Citibank. I have not received any bills and was told by the customer service at Macy 's that there is no credit card in my name. Without access to the account number I have no means of closing this account. I am stuck in a situation where my identity and finances are at risk. I am scared that they will pursue me for purchases that I did not make and services that I do not want. 
I did an online search and found that I was not the only person in this situation. I desperately need help to close this account and to find out if any automated charges were made and to recollect any losses if possible. 

XXXX
Product: Money transfer, virtual currency, or money service

As of XXXX XXXXXX/XX/year> cash app has abruptly closed my account putting me thru several financial burdens without cause or reason
Product: Credit card or prepaid card

I have 3 years of impeccable credit history with multiple types of accounts and no late payments and have an income of over XXXX a year and was declined for " insufficient information '' on my credit report after applying for a Chase Sapphire Reserve. No documents or verification was requested, no contact from Chase to me about the application besides when I called to check the status. I asked for further clarification on what " information '' was lacking as my credit is essentially perfect, and was told that was the reason for decline, nothing further could be done, and no further information was available. The representative did not bother to review my application manually and even with my insistence that I have plenty of documentation to support my ability to pay including the fact that I run XXXX through credit cards monthly was ignored and dismissed. I had planned to apply for this card knowing it would do damage to my credit reports, yet was left with no options for reconsideration and no further information on " what is wrong '' except a blanket vague statement with no granularity. Being that the representative was so dismissive of me, and gave me no options although multiple sources say there are other avenues, I feel I may have been XXXX against for my XXXX as my voice has strong effeminate characteristics and the representative just seemed to ignore everything I said and just say the same thing over and over again, it felt dehumanizing. I am not just a number I am a person and I have done work for this process and to be left with being treated like garbage, feeling attacked for my identity, and with no resolve, makes me upset and aggravated.
Product: Mortgage

To sum up what has transpired with myself and Third Federal is I have been making payments just about all on time to them for ten years. About four years ago I filed bankrupcy because I was a single mom and full-time XXXX student. In that time I had always paid my bills to Thhird Federal on time. After the bankrupcy my loan was discharged but I continued to pay because of course I want my house. This has been at least the third time I have received threatening letters from Third Federal as well as them putting a delinquency on my credit report which I have rebuilt. For most of my loan I had paid approximately {$55.00} a month. Apparently after bankrupcy they raised it slightly yet they never informed me. They stated when I called that they are not allowed to send me bills even though I was rerquesting them so I can stay on top of paying them, yet they refused. I paid the outstanding portion I had owed because i was never made aware of the increase. Then about a year later they send me another threatening letter that I am delinquent because of non payment yet I said I have made all my payments. The rep said my loan amount increased and I owed {$220.00} extra, I asked if they could inform me so this does not happen again and they refused. I had made a complaint with you but nothing transpired. I did pay the difference immediately and that was approximately six months ago. Again, I continued to make monthly payments on time which I have enclosed a copy of. Now six months later they send me another threatening notice saying I owe {$450.00} and this letter is a notice of default on my mortgage loan reference # XXXX resulting from my failure to make all monthly installments due as of XX/XX/18. I HAVE made all payments, they continue to reck havoc on my credit and my mortgage, I am trying to rebuild the excellent credit I had had yet they continue to sabatoge it as if to forclose my house and get their money. My loan is approximately {$23000.00} and I had for the most part paid $ XXXX/month, then this year I find out it had gone up to about {$74.00}, the actual amount I am uncertain of whereas they continue to refuse to inform me. I have paid the $ {$220.00} owed plus the $ XXXX   monthly, it is impossible that I could owe {$450.00} in six months when I have made AL, again ALL of my payments. This is harassment and sabotage to my home and welfare. It has got to end. They need to remove that {$450.00} and from now on send a written estimate of my payments and what I owe. They can not continue to send me frivolous bills of outrages sums without any explanation. I can not even go online to review anything, I have no idea what they are doing, what they are charging me or what my interest rate is. I believe if I aim making and have made all my payments for ten years I am entitled to receive a bill, a reason for owing {$450.00}. This is UNACCEPTABLE. They are trying to forclose on my home.
Product: Checking or savings account

XXXX closed my business account XX/XX/XXXX. They informed me through email and stated they were holding my business account funds in the amount XXXX for disputed items. My issue is once they terminated my business account they then disabled communication with me. I was no longer able to chat online or call or email which is unprofessional when they are still holding my business funds. I called from another phone line and reached someone and made them aware that the disputes on my account are coming back in my favor. Once I informed them of this they disabled my ability to see the disputes and the resolution dates. My last dispute resolved XX/XX/XXXX in my business favor. So they did not have to deduct from my funds for any fees or chargeback etc. No where in their policy states they will hold your business funds for 6 months. They are withholding my business funds for an additional XXXX months which they will accrue interest on it and it's not good business practice. I also can not change the bank account information on my portal and can not get anyone to assist with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Trans Union and XXXX in the past to have them remove fraudulent inquiries on my report. I kept getting alerts that my credit file was pulled when I haven't been applying for credit. They are refusing to remove them and is advising me to contact each individual companies to have them removed. That is not my job and is time consuming I think I have some identity theft that they are trying to cover up or credit inquiries that were reinserted after deletion. 

Inquiries - XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX - XX/XX/XXXX XXXX   XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XXXX XXXX   - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes to XXXX XXXX, and transunion by mail and online as well as complaints through CFPB about accounts on my credit report and asking for investigation. Each time, they say that the consumer verifies, but does not provide the findings or verification of the investigation and what proof. It has gotten to the point where I am now in contact with a lawyer because they are hurting my credit by reporting the account XXXX negatively which was paid in reporting. There is also another account that is reporting that I recently have disputed and they have not provided any documentation of verification for the account XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. XXXX  Account XXXX  XXXX # XXXX, Account XXXX  XXXX # XXXX, XXXX XXXX Account # XXXX, XXXX  XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX, PossibleXXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX  XXXX  XXXX  Account # XXXX XXXX XXXX XXXX  Account # XXXX-XXXXXXXXXXXXXXXX XXXX  XXXX  ACCOUNT # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX 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 AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Money transfer, virtual currency, or money service

XX/XX/2018, There was Fraudulent access or an unauthorized change to my Banking Account allowing for electronic transfers. I received an Threshold limit alert on my Banking App showing a {$490.00} charge was pending at XXXX ( Sunday ). Upon opening my account there were a total of three showing For {$490.00}, {$200.00}, and {$180.00}.

Al three were sent in quick succession. I verified none of these were related to any account on mine, and called to question the charges showing as " XXXX to MOM ''.

I called the Fraud department at my bank and informed them that these  were Fraudulent and asked that all account be locked. The Bank failed to follow through thus allowing a fourth XXXX charge to post for an additional {$200.00}. 

The XXXX Charges were to a Bank of America account. XXXX reference number XXXX and the associated email for the Transfer was " XXXX ''. Since the Bank account is was with Bank of America, and since Bank of America is Part owner in "XX/XX/XXXX '' which owns XXXX, I am filing this complaint to bring resolution and make my account whole.
Product: Credit card

I currently have a charge account at Best Buy here in XXXX, TX. An old account number was replaced by a new number. As a result some of the payments that I made via my online XXXX XXXX XXXX account was made to the account that was supposed to be closed. As a result confusion started. Basically, I have only charged XXXX item to the account in the last XXXX to XXXX  months. It seems that they are charging me for items that I have not received. Over the course of 18 months the company has made XXXX refunds to me due to my overpayment. On around XX/XX/XXXX for {$280.00} and another around XX/XX/XXXX. Most of the time I call the Company to solve the problem i get different people who say different things concerning my account. On XXXX XX/XX/XXXX I wrote a letter with payment info on it in an attempt to resolve the problem to no avail. it appears to me that I have paid more than enough to cover what I am responsible for. I just want clarity and transparency on my account. XXXX attachments made.
Product: Vehicle loan or lease

I applied for a car loan on XX/XX/XXXX. I was denied credit because of my score, My income was great. I sent a letter to the ceo saying " The purpose of this letter is to inform you of what your business is doing is in correct. An error has been made on record and I'm responding to help you fix it. I, XXXX XXXX XXXX, Living person beneficiary to cestui que trust XXXX XXXX XXXX, applied for credit on XX/XX/XXXX. The vehicles XXXX XXXX is XXXX. I was denied. The car referenced is {$82000.00}. Im not trying to sue nor arbitrate your business. 
I have full faith and credit & I have rights to extend as much credit as I choose to give your business. An application was submitted with your business. I gave you credit after the application was submitted. Your company are Trustees in a fiduciary obligation. Your business is to fulfill their duties in the Trust. If your business not then fulfil their duties then a crime is committed by your company. This trust fraud. The law in which I am quoting is 15 U.S. Code 1.

In the truth in lending act 15 U.S Code 1605 & 15 U.S Code 1662 there is no cash is involved in a credit transaction. No down payment is required in connection with any extension of consumer credit. 
Fix this issue immediately as I am at risk of losing the desired vehicle. '' I am demanding wells fargo to open up my open end credit plan for the {$82000.00}!
Product: Credit reporting

After making disputes via online, Experian has blocked me from making further disputes online including updating my current address with them. I have a new dispute regarding XXXX new credit card that I 've received and XXXX of them has already reported to Experian inaccurately, however I ca n't dispute the inaccuracies via online, even though I 'm a paid Experian member.
Product: Prepaid card

XX/XX/year> an unauthorized transaction was made from my us bank ReliaCard to a unknown XXXX XXXX I do not have cash app never have downloaded the app nor owned a XXXX XXXX card I have spoken to them several times about these unauthorized transactions. They said they so called did an investigation into my claim but they must did not do a real thorough investigation. Because they deny these claims I even spoke a a customer service representative at XXXX XXXX they said they had no knowledge of my name in their computers. The representative even ask if I could call us bank and to ask a us bank representative to give cash app customer service a call to get to the bottom of these bogus transactions that came off my debit card. So obviously they lied about doing a through investigation. I even to a screen shot of cash apps customer number and the time I called just to have my proof I called XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Was notified on XX/XX/2018 that my disputed account # XXXX XXXX XXXX XXXX XXXX XXXX with XXXX  was going to be deleted from my credit report by the request of the creditor. Received a letter from creditor stating that they could not verify late payments to this account, and they sent me a snapshot of my account being paid in full with no record of late payments ever. Have sent numerous disputes to all 3 credit bureaus and to XXXX   about the deletion of the account from my credit reports, but the account remains on all credit reports, and is negatively effecting my score.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
U.S. Bankruptcy XXXX XXXX XXXX bankruptcy XXXX Reference # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, Thank you for allowing me to submit this complaint. 
Ocwen Loan Servicing LLC recently submitted to XXXX a credit reporting agency that I was XXXX days late on a mortgage with them that has been refinanced through my credit union, XXXX XXXX. 
They were informed of this by my credit union as well as myself during this process, not to mention that I have received a confirmation letter from Ocwen acknowledging their payoff. 
So this is absurd! And it is now on my credit report wrongfully and needs to be removed. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or a list of inquiries : 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

Ally Bank charged my savings account two overdraft fees after I tried to empty the account. There are two - {$25.00} debits on the savings account and one on the checking account which put it into a negative balance. Both of these overdrafts were initiated by the bank itself, so the bank is now charging fees to me based on its own overdrafting behavior, not mine. This is absolutely unacceptable. I requested that Ally refund all overdraft fees on my account but they have not obliged.
Product: Credit reporting, credit repair services, or other personal consumer reports

I fully paid off several credit card accounts on XX/XX/2023, most of which are reflecting correctly except one for {$7300.00}. I inquired with the credit card company about the amount they reported and they told me they reported a XXXX balance due on XX/XX/2023. 

I disputed the amount Experian is reporting is incorrect and provided them with my bank statement, the same one I've attached for you, as proof and Experian told me, " The dispute for the account was not changed as a result of our processing of your dispute. The company that reported the information has certified to Experian that the information is accurate. '' Yet it still shows the balance due is {$7300.00}. 

I can't get through to them by phone ; their autobot keeps telling me they can only transfer to an agent under certain circumstances and won't transfer me.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I mailed a dispute letter to Equifax via USPS-certified mail ( tracking # XXXX XXXX XXXX XXXX XXXX XXXX ). In this letter, I disputed the inaccurate reporting of several negative accounts, and a bankruptcy with discrepancies. To ensure that my identity was properly verified, I included a copy of my government-issued ID, Social Security card , and recent proof of address.

Despite providing all necessary documentation, Equifax has failed to respond to my dispute within the required time frame mandated by the Fair Credit Reporting Act ( FCRA ). Equifaxs failure to conduct a reasonable investigation or respond to my dispute constitutes a violation of my consumer rights under the FCRA.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/year>, and noticed some things are incomplete and not accurate. According to the Fair Credit Reporting Act 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. These accounts XXXX XXXX XXXX XXXX account is closed and paid showing no late payments on the XXXX report the account is not accurate. XXXX XXXX XXXX account is showing a balance of {$1700.00} when company issued a XXXX cancellation of debt this account is not reporting accurate.