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

My credit card with Bank of America had a {$25.00} credit, I closed one bank acct and tried telling them the new acct but couldn't see how online. 

They saw the {$25.00}, not as a credit but balance and tried collecting it, when they couldn't they charged me {$25.00} returned check fee twice. I didn't owe them any money. 

I tried calling but could never speak to a person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
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  Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I set up a bill pay process with my bank, XXXX, XXXX, DE, in early XXXX to pay a mortgage payment on XX/XX/XXXX as the payment was due on XX/XX/XXXX. 
I monitored the transactions on both online accounts, Rushmore Loan Management and XXXX. The withdrawal from the XXXX account appeared as expected. The payment to Rushmore did not appear on the XXXX nor has it appeared in my account to date XX/XX/2018. 
As the bank payment didn't appear I decided to make an online payment on XX/XX/XXXX to avoid late fees and an impact on my credit score. 
I called Rushmore customer service on the XXXX to ask how long it took for transactions to be posted and was told 3 to 4 business days. I also explained that I made an online payment in addition to the bank payment. The representative offered to cancel my online payment as the bank payment was expected. I accepted her offer and she was to cancel the online payment. 
As of the XXXX the bank transaction has not been posted and the cancelation transaction has not been posted. 
I no longer have confidence that Rushmore is servicing my loan appropriately. Is it acceptable for a banking institution to wait so long to post transaction or are the transaction not occurring?
Product: Debt collection

The scumbags at XXXX and XXXXXXXX XXXX  refuse to remove a XXXX year old debt from my credit reporting. 

They just keep marking my complaints as duplicates, and continuing to break federal paw by reporting negative information on closed accounts over XXXX years old.
Product: Credit reporting

I see that TransUnion is reporting wrong information on my credit report. It has to do with a XXXX line of credit.
Product: Money transfer, virtual currency, or money service

Hello I sent money to my sick friend in the XXXX, the company XXXX insisted the money is in my receiver 's account but it did not go through. XXXX would not refund me XXXX XXXX Please help.
Product: Vehicle loan or lease

My dad passed and I contacted the Huntington bank about taking the loan over and they said yes we will transfer the loan to you. While I'm transferring it they decided to charge the loan off ..I 'm sending them money in the mean time not knowing. Finally I find out because of my credit score and the admitted that it was a mistake and just said opps! That's ALL??? I said. WOW
Product: Credit card or prepaid card

On XX/XX/2022, due to someone hacking my SS account my XXXX benefits were deposited into a prepaid card account with PNC Bank. After numerous phone calls by SSA and myself bank refuses to help. Bank should have never accepted funds and should return them to SSA so that they can be reissued.
Product: Mortgage

I made a mortgage payment on XXXX/XXXX/15. My mortgage was paid off completely on XXXX/XXXX/15. The payoff amount did not include the payment made by me on XXXX/XXXX/15, and so now I am owed approximately {$3900.00} from the mortgage servicer. It has been over 30 days since the payoff of my mortgage and the servicer has no information whatsoever on the refund they owe me.
Product: Money transfer, virtual currency, or money service

We are a small non-profit corporation with a PayPal account. We have been unable to download any reports from our account for more than two months. 
XX/XX/18 sent an email via " contact us '' link on the company 's website ; no reply was received. XX/XX/18 had an online " chat '' with the company 's representative who said he couldn't help. 
XX/XX/18 tried contacting the company again through its " contact us '' link ; no reply. XX/XX/18 had another online " chat '' with " XXXX '' for over 30 minutes. XXXX couldn't help and toward the end of the chat, gave a website for the company 's support office. That website was not correct ; the company changed it two days prior to XX/XX/18. 
XX/XX/18 contacted via the website and received an email from XXXX at PayPal. XXXX requested a screenshot of our account report page in order to determine the problem ; it was sent to him. On XX/XX/18 received an email that the case was closed! However, we still can not download reports and can not reach a responsible person at PayPal to fix the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im writing because I was scam on my 2 debit card from XXXX XXXX   and Bank of America. I called them to explain but they told me that the person have my debit card and he used the atm machine to deposit a fake check so they couldnt do nothing about it. The problem is that I was new in this country I dont know nothing about how banks work. This guy asked me to deposit his money to my debit card so he can take out later because hes still waiting for his card. So without no hesitation and no English I told myself let me help him to cash out his money so he told me I can call my bank and let them know and I did call them and they were asking random questions since my English wasnt that much I just replying to what I know. And later I learned that my account were closed but I didnt do nothing about it because I didnt know it would be a big problem. As years passed I want to open an account with XXXX XXXX  and the lady explain to me that my account was fraud and I cant longer open an account with them Since then I start asking for help and thats what people explain me that they are people scamming others. But my main concern is that I dont know whats was going on and I didnt take that bunch of money so on my report it is stating that Im a theft and its hard for me to open a credit card and I really need a credit to finish my college. If theres anything I can do to erase please I need help. Thanks
Product: Debt collection

I am being sent these text messages, this time from this number ( XXXX ). I have never been sent any communication in the mail. Company name is OFG LLC XXXX XXXX This is not a solicitation We have important documents here in our office pertaining to your name and SSN, pending further review. This is now the 3rd attempt we have tried to reach you. Our offices have paperwork that may have been delivered to you or scheduled to go out shortly. Please refer to file number XXXX The office number is XXXX.
Product: Credit card

I looked at my credit report and noticed XXXX different accounts that were opened in my name that were opened without my consent.
Product: Credit reporting or other personal consumer reports

I purchased a car thru XXXX XXXX XXXX XXXX in XX/XX/2019, I paid the car off, I received my title which I'm attaching w this complaint in XX/XX/2019. They're reporting it as a XXXX  XXXX  or as it isn't paid. XXXX  XXXX mailed me my title in hand in XXXX, then XXXX day I looked and it's showing as if I never paid a XXXX  on it which is incorrect. It has been on my report for XXXX  and nobody will properly investigate it. I have reached out to each bureau and their constantly updating my report with incorrect information which is a FCRA violation. I WANT THIS REMOVED AND FIX before I sue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updated credit report, I found out that there are erroneous accounts that are still reporting in my credit report. I already sent a letter of request to Experian Credit Bureaus to investigate the assumed accounts, but I haven't received any response from them. Also, the Bureau was reporting a DELETED account from other bureaus on my credit file. Per FCRA, reporting must be 100 % accurate. Please conduct a thorough investigation for the following items : Collection : XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$460.00} Inquiries : XXXX Date of Inquiry XX/XX/2021
Product: Debt collection

XXXX XXXX {$970.00} Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX, experian, XXXX Please take notice that this letter dated ( XX/XX/2022 ) is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more.

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, during XXXX 2017, exposed PII including my Social Security number, to an undisclosed third party through improper security protocols. As a result, my information has been stolen and is available to one or more parties looking to use this information improperly.
My SSN ( as you may know ) is perhaps the most valuable number associated with me as a person, financially at least. As a direct consequence of the mishandling of my information by Equifax, and their decision to delay notifying me of this incident, my identity is at an unacceptable risk of being stolen. 

Coupled with information like my drivers license number, birthday, full name, address, etc. Equifax has put me in a position where I have no choice but to monitor my credit constantly for the rest of my life, and also enact a security freeze, permanently.
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. 
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 XXXXXXXX 15 USC 1681 section 602 A states i have the right to privacy.

15 USC 1681 section 604 A section 2 : it aslo states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681 ( 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.
Product: Credit reporting or other personal consumer reports

RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/year> - {$00.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mortgage loan paid in full XX/XX/2019 see attached. Beyond 30 days, no reporting to credit bureaus.
Product: Mortgage

We consulted with Pulte Mortgage for a rate. Pulte offered us a rate lock of 2.875 % with 1 % in points on XX/XX/21. We agreed to this, until we shopped around and received an offer of 2.75 % with XX/XX/XXXXpoints from a competitor on XX/XX/21. Upon receiving that better offer we sent the competitors Loan Estimate to Pulte Mortgage in which they responded they would do a rate lock of 2.75 % with 1.5 % in points because they give us {$7500.00} off purchase price. After pointing out that even with giving us the {$7500.00} they still did not beat the competitor we received an email with a new Loan Estimate from Pulte Mortgage on XX/XX/21. In this new Loan Estimate Pulte Mortgage gave us what we were asking for and believe was fair, a rate lock of 2.75 % with XX/XX/XXXX points. We signed this Loan Estimate with that rate lock and sent it in. A couple days later on XX/XX/21 we received a phone call saying that there was a computer error and they refused to honor the legal document they sent out and we signed. We could not talk that night and so we finally talked the next day on XX/XX/21. That day they stated that they were not only going to not honor what we signed anymore, but they were going to terminate our loan paperwork that we had sent in already and start completely new. We said no we did not want them to do that and requested to speak to his boss. The next day on XX/XX/21 we went to sign into our mortgage website with them and all of our documents were completely deleted and wiped out of the system. The boss of our mortgage lender then called us that day and confirmed they were refusing to make good on the deal they had sent out and we had signed already. She stated they would only offer a deal that still had us paying for points, which not only was not the Loan Estimate that we signed and sent in, but it was not even beating the competitor anymore. We feel that this was unjust and purposefully deceptive. We believe they deliberately underestimated the terms of the Loan Estimate to have us finally sign the paperwork, as we had never signed previous to the 2.75 % with XXXX points. We feel they mislead us by a bait and switch tactic in claiming there was a computer error that they refused to honor after we signed. You can see the 2.75 % with XXXX points listed on multiple documents that we signed as attached and then the phone recordings we have once they refused to honor it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting old information to Experian that the other two bureaus have already removed for it being old information. I disputed with both XXXX XXXX XXXX and Experian but it still remains on my Experian account and is hurting my score by about 100 points.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are three accounts on my credit report that I have been disputing since XX/XX/2020 and nothing has been done no one is helping me the bureaus are completely ignoring my letters and my calls. I am getting tired of this and the run around I have opened up an FTC I have been contacting the bureaus and sending letters and I feel like they are not even looking at my letters or care. I need this taken care of since it is causing me great grief and problems in the family. These accounts are not mine and I dont know how else to say this. 
XXXX XXXX XXXX. - Acct # XXXXAmt {$0.00} XXXX XXXX XXXX Acct # XXXXAmt {$0.00} XXXX XXXX XXXX Acct # XXXXAmt {$3900.00}
Product: Debt collection

XXXX XXXX XXXX {$4900.00} XXXX  XXXX {$1200.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have knowledge of these accounts. The following accounts contain inaccurate information. Please investigate and verify the following information.
Product: Mortgage

I AM REQUESTING ALL DOCUMENTATION FROM EMC MORTGAGE FOR THE YEAR 2008 FOR PROPERTY ADDRESS XXXX XXXX XXXX XXXX XXXX GA XXXX THIS IS A FRAUD LOAN WHICH WAS TAKEN OUT PRIOR WHICH MEANS THE HOME HAD A CLOUD ON THE TITLE. WE WERE UNDER THE IMPRESSION WE HAD TAKEN OUT A LOAD WITH XXXX XXXX HOWEVER, THIS WAS NOT THE CASE THIS IS NOT A DUPLICATE XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft, pursuant to 18 USC 1028A. Please delete these inquiries from XXXX, XXXX, And XXXX, or your agency is violating the Fair Credit Reporting Act block of information section which is 15 USC 1681 c-2, which states these inquiries must be deleted within 4 days of receipt of this identity theft report. 

XXXX XXXX XXXX XXXX XXXX Continental Finance/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/Verv 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 reporting or other personal consumer reports

Law 15 usc 1666B I want the late payments & delinquencies remove. They have agreed I also set payment plans & caught up on my payments.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my deep concern and frustration. This marks my second attempt to rectify this issue, and it is essential to address this matter promptly and effectively. 

I initially reported the fraudulent items and followed the prescribed procedures outlined by your company for reporting and removing such items. Unfortunately, despite my initial efforts and your assurances of prompt resolution, the issue persists. 

I want to stress that the persistence of these fraudulent items is causing me significant distress and financial hardship. It has also eroded my trust in Credit Bureaus, which I had previously regarded highly. As a loyal customer, I expected a higher level of service and security, which has been lacking in this situation. 

I kindly request that you take immediate and comprehensive action to investigate and rectify this matter. I expect a prompt response, detailing the specific steps your company will take to address the issue, as well as a clear timeline for the resolution process. Additionally, I urge you to strengthen your security measures to prevent such incidents from happening in the future. 

If my concerns are not addressed satisfactorily and promptly, I may have no choice but to escalate this matter further, which may involve seeking legal remedies and notifying relevant authorities about the fraudulent activities associated. Please assist me to removed the following fraudulent items in my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AR XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX Balance : {$480.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance XXXX {$480.00} XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Hello, I am writing to complain about a harsh decision to close my small business accounts due to an honest mistake. I have all my banking with bank of america for last 15 years. I bank with them for my personal banking, small business banking and also hold investment portfolia and a wealth management account with them. According to bank of America, I am one of their platinum level customer who has established relationship of trust and credibility across all exchanges. I have had 3 lines of business operated under small business and recently with addition of new services and assets, I added additional 3 lines of business. To keep my invoice organized and up to do for flow of services within my lines of business I invoiced one of design services company to provide service towards tenant management service. As per bank of america this is prohibited, which doesnt make sense to me because it is a purchase and sale between my 2 companies even they they both belong to me.On a payment towards services from one company to other bank of america flagged my account and made a very very harsh decision to close all of my accounts with them. I called the respective team and they denied to rectify it. I also offered to retract whatever they had an issue with, however they were just not open to listening anything. One of the associates did understand where I was coming from and wanted to do a second review to the situation but the first associate denied it without much context. 

I trusted bank of america with all my business needs and year over year gave them revolving balance, wealth management accounts, merill edge investments and multiple business accounts. I have always paid my dues in time and established by credibility with each line of credit. Had i know that bank of america is not that sensitive towards maintaining a relationship with theor valued customer, I would not have placed all of my eggs in one basket and banked ONLY with bank of america. I trusted them as my service partner to assist with my small business needs however my trust is very badly broken for continuining to be aloyal customer. 

i would really ; ike this feed back to be considered because after this occurence, I know that I will have to take my business somewhere else and not trust bank of america with my banking needs.
Product: Credit card or prepaid card

I received a bill from XXXX Master card  for charges incurred from XX/XX/XXXX-XX/XX/2020. I found that I had been charged {$2300.00} for purchases made via Paypal ( see attachment ) from individuals in California. I live in Illinois. 

I tried to contact Paypal, on several occasions, but I can not get in contact with a human being. I have left a message that I hope that will respond to.
Product: Checking or savings account

These people have terminated my bank account in a retaliation merely for filing complaints against their illegal, unethical, incompetent immoral services with your agency. Please urgently investigate and advise. Please keep my account open as they are violating their own corporate by laws, and terms of service.