23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I've been calling and chatting almost daily since the first week of XXXX trying to get information about payments. I'm being approved for the Homeowner Assistance funds for XXXX futures mortgage payments. This is a federally funded and regulated program - overseen by the U.S. Treasury. Mortgage companies are required to comply with guidelines set forth by the Federal Government in terms of reporting and communication. XXXX sent a batch check # XXXX on XX/XX/2022 for {$11000.00} of which {$1900.00} were to apply for my monthly payment. As of today nothing is apply in my account. All the times I have called or chatted they say that nothing has been registered in my account and that it is impossible for them to know if the check arrived. Also another check # XXXX was send on XX/XX/2022 and to this day nothing also.
Product: Checking or savings account

Opening bonus offer of {$300.00} with Bank Of America has not been received. My account ends in XXXX. 

The offer was as follows : open an account with a promo code, which was applied after clicking the ad link within the app as a login user, deposit {$2000.00} or more within 90 days and receive the bonus within 60 days after the requirement has been met. 

Account was opened on XX/XX/year>. First deposit I made was of {$44.00} USD. The opening requirement was {$25.00} USD. 

First direct deposit was on XX/XX/year> for {$1000.00} USD from payroll. 
Second direct deposit was on XX/XX/year> for {$1000.00} USD from payroll. 

Requirement was met, but bonus hasn't been honored. The customer support representative said it is because I already had another account with Bank of America. However the offer to open a new checking account with bonus was shown within the mobile app after logging in as an existing customer. This was a misleading advertisement.
Product: Money transfer, virtual currency, or money service

Hello I am a user of paypal they said my account is limited and I can not use paypal anymore. They emailed me I violeted rules, when clearly I didn't do anything. Like honestly I didnt do nothing. Many people have this problem in paypal. Now I don't care if I can't use paypal anymore but my concern is how do I get my funds that's still in that account they said I wait for 180 days to get that money. It's my only fund for now. I dont know if PayPal will really email me to claim my funds or they will close my account and run away with my funds. Please help me resolve this. Also I can't contact them by phone or by chatting them in the resolution center. There's no response to them. At first I thought it was a spoof email but it wasn't.
Product: Credit reporting or other personal consumer reports

Upon reviewing my consumer reports, I discovered some instances of late payments on an account for which I have maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with the utmost accuracy. I have never got a notice in the mail from this lender of any missed payments from the following account name and number : Dept of ED/XXXX XXXX XXXX. I request a thorough investigation into these discrepancies and urge you to provide evidence such correspondences that were sent to my current address that demonstrate the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay.
Product: Debt collection

I have receive numerous daily calls for the past 12 mos or so from this debt collector, Harris & Harris. After figuring out how to block their number, they still call and are able to leave a messages. There is zero contact from them through the mail. 

I called them on XX/XX/XXXX I called them back, verified all my information and asked them to stop calling me, twice, and to only contact me via U.S. mail. 

They have since called on Sunday XX/XX/XXXX @ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, XX/XX/XXXX of XXXX, when I am reviewing my XXXX Credit Report I found an open account from " SYNCB/TJX COS DC '' for the amount of {$2500.00} that was updated on XXXX XX/XX/XXXX into my XXXX XXXX credit report. 
I don't know nothing about this account and this account do not belong to me, also why XXXX allowed that this company ( as per XXXX " SYNCB/TJX CO DC stands for T.J.Maxx Companies DC through Synchrony Bank '' ) posted this debt on my credit report.

XXXX works to support this kind of illegal / fraud scheme instead of protect our credit information, this fraud does not appear on the other company like XXXX and XXXX. 
This is not the 1st time I have problems with Experience, last year they did a mistake and after I placed a complaint in this site, they finally resolved the issue without any consequences. 
I need facts that this CC belong to me! 
Thanks
Product: Credit card or prepaid card

I made a purchase with my credit card from capital one in the amount of XXXX at XXXX XXXX XXXX. I authorized my card to be used as a credit card. It is not a debit card only a capital one credit card. Capital one ran the charge as a wire transfer and then charged me an extra XXXX in cash advance interest and a XXXX cash advance fee. When I spoke with capital one, they informed me that the merchant ran the card as a wire transfer. The merchant responded that they can't do that and ran it as a credit card. I have used another mastercard at this merchant without a problem in the past. Capital one has ran my card in an unauthorized manner in order to charge higher interest and a cash advance fee. I would not have used my card if I had known it would be considered a cash advance.
Product: Credit card

I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of XXXX 2015 30 days past due as of XXXX 2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Checking or savings account

I tried to pay my Internet bill. I have XXXX. When I called the number a guy answered and asked my name and etc, and the person took my info, told me how much I owed and it was correct, and when I asked why the online, and phone system to pay wasn't working the person pretending to be an XXXX  employee said they were getting rid of it and it was gon na have to be over the phone. He knew my info and how much I owed so I assumed it was legitimate. 

He kept telling me my card was not working. Then his manager repeated the process and said the same thing. 

That was XX/XX/XXXX. I kept checking my account and it was normal. Then the day I called and reported my money being wrong I got them to tell me what was charged. I informed them it was fraud. They sent me a paper to fill out and a copy of my statement and a new card, but it's been over 10 days and I haven't heard back from the bank. 

They said they tried to contact me but they didn't. I haven't had any calls. 

I had XXXX XXXX XXXX XX/XX/XXXX, and was still very weak. They stole my SSI benefits. I'm completely XXXX and I haven't been able to go to my very important doctors appointment because my money hasn't been returned yet.
Product: Vehicle loan or lease

My vehicle was finance with Wells Fargo. A year and XXXX into my auto loan Wells Fargo called me and stated because of my timely payments They would like to offer me a {$5000.00} dollar personal loan. I did except the Loan not knowing that they would put a Loan on top of a Loan. After 5 years of paying my auto Loan I was told I had another 2 years into paying my Auto Loan off which the {$5000.00} added on to my original Loan. Wells Fargo Repossessed my vehicle and told me I owed them {$12000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

i reached out to transunion, XXXX and XXXX about wrong addresses showing on my credit report. i was trying to get these addresses removed but they did nothing
Product: Debt collection

I have had a law suit filed against me back in XX/XX/2007. I never received any papers on it. I did not know there was a judgement. This year they sent me a letter stating that they wanted to reopen it. Went to court which did no good. They said that they agreed with the company and ordered me to pay the amount I owe plus interest. It is very involved and would like to talk to someone about this. they have refused to give me a copy of the original loan. I am very upset, now they want to garnishee my wages. I do not owe any XXXX and need this to get cleared up as soon as possible. Please help I am at my wits end and seems like no one wants to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter in an effort to remove inaccurate information from my credit report. The following information you have placed on my file has seriously affected my credit profile. Please be reminded that it is important that credit bureaus maintain accurate information per the Fair Credit Reporting Act. The following account does not belong to me and should be removed from my credit report immediately : The following accounts are not mind accounts. No knowledge account. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notice to all businesses that supplied this information. The Fair Credit Reporting Act requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the business that sent you that information. I have enclosed a copy of my credit report and circled the fraudulent items on the report. I appreciate your prompt attention to this matter. Please send me a letter after you have blocked the information from my credit report and sent notice to the businesses involved. 
CREDENCE RESOURCE MANAGEAcct # XXXX **** Not my account. Please delete. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Not my account. Please delete. 
CREDENCE RESOURCE MANAGE ACCT # XXXX Not my account. Please delete. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Not my account. Please delete. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Not my account. Please delete.XXXX XXXX XXXX XXXX XXXX XXXXXXXX Not mine account. Please delete.
Product: Mortgage

My loan funded by XXXX was transferred from XXXX XXXX XXXX to Seterus, they lied to me once about a modification ruined my credit in the process, now they cheating me out of money for an Escrow account that I do not even have. They are dishonest. I am very afraid I have to watch them so closely, the problem is they are servicing loan for the government the same place I am filing a complaint. Now they are taking extra money in my monthly statement and can not explain to my why. This company has more complaints than any company on the planet but nothing is being done because they are working for the US government. First they took money for taxes but my taxes were paid Now they are taking money for HOA but my HOA dues are current.
Product: Mortgage

I contacted Quicken Loans to inquire about refinancing as I heard interest rates were very low during Covid19. Initially I was told they refinance the loan at 2 % less than my current interest rate. The required pulling my Credit and stated I would get a copy of the credit report, which DID NOT HAPPEN ... ... After submitting my financials, ( XXXX XXXX ) Quicken representative called me back and stated due to some sort of crazy NC Law, they could only lower by .75 %. I questioned if that would actually be saving anything and she stated including closing costs, it would save {$2300.00} long term and THEY WOULD REMOVE THE PMI MORTGAGE INSURANCE WITH OUT NEEDING ANY APPRAISAL. Mrs. XXXX stated by their comps in the area, the homes value would easily be above 20 % equity vs {$72000.00} currently owed on existing mortgage. After reviewing my 2019 tax return and business profit & loss statement, she felt the refinance should go through underwriting with no problem. I recieved a call from another member of the underwriting team 7-10 days later stating that they need another profit loss statement and additional tax forms from the 2019 filing. When I inquired why additional paperwork was needed, He stated it was almost impossible for SELF EMPLOYED Individuals to get approved for new loans or refinance due to the Covid19 Financial Crisis. At this point I felt the cards were obviously stacked against me, I asked the underwriter to stop the refinance and just take the PMI Mortgage Insurance off my current loan which I feel saves much more than {$2300.00} LONG TERM ... ... He directed me to go online to apply for PMI removal. When I logged into my account, I was pleased to see their website showed my outstanding loan {$72000.00} was well with in their guidelines to have the PMI removed. *** NOW I AM BEING TOLD I AN APPRAISAL IS REQUIRED BEFORE THEY WILL REMOVE PMI AND I MUST USE THEIR APPRAISER FOR A COST OF {$150.00}. * I feel it is fraudulent and misleading for Quicken to allow removal of the PMI if I take on the additional costs of letting them refinance the loan ( $ XXXX ) but they are unwilling to remove the PMI from original loan unless I Pay for an appraisal. It makes no sense that Quicken would be willing to remove the PMI no questions asked during a REFINANCE SITUATION because they state they already agree the homes value exceeds the PMI requirements, but when it comes to removing the PMI from the current loan I have with their company, they are stalling by requiring appraisal by their team member. I have always paid ahead on my mortgage, never missed a payment and have a XXXX  credit score. Until this transaction, I felt I was dealing with an upstanding company, having them try to take advantage of me because they could not make additional fees refinancing has made me reevaluate companies credibility.
Product: Credit reporting

I have tried for at least 8 months to get items that are incorrect and or not mine removed and they seem to do whatever they want with my credit. I am having a major issue with Equifax performing an actual legal Dispute investigation they are violating my rights by not complying with my legal right to request any or all documents i request in my file, they are completing disputes but not providing me the original documents verifying these claims. This is a written request that you investigate items that I believe to be reported in error.
Product: Mortgage

I have mentioned over and over again that I do not take calls from Bank of America. At this point I will consider any and all calls and messages as harassment and will begin logging the calls. I am certain Bank of America can email or use traditional mail services as I do not trust Bank of America and with one of the past complaints they epitomized why when claimed a phone conversation occurred which indeed never took place. The only possible reason Bank of America does not wish to email or correspond in writing is out of fear of documenting responses as they most certainly have email in their offices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing all negative marks on my experian credit report due to the recent hack of account information in their system and their lack of informing me of this security breach.I had disputed these items but they came back verified, but are fraudulent accounts.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and notice I had fraudulent account on my report. I did not give my authorization. I am writing your office today because I am a victim of fraud. An unknown individual used my personal information in the past to obtain credit from XXXX XXXX XXXX XXXX, and other banks without my knowledge or consent. 
I filed a complaint with XXXX XXXX Police department and I attach a copy of the card containing the case number with this letter. 

This matter concerning the XXXX XXXX XXXX XXXX account has been resolved with Experian in the past and reposted again recently by the creditor. It is illegal for this information to be reposted in my personal credit file when it was deleted and blocked in the past due to fraud. Please delete and block these fraudulent accounts from my credit report as they are fraudulent information. XXXX expecting that the credit bureau will help me with this matter, I want to thank you in advance.
Product: Credit reporting

I have contacted Experian on multiple occasions with regards to an unknown XXXX account reporting on my credit file. I have never opened an account with XXXX. Please have Experian remove this account from my credit file. I have informed Experian that I had been a victim of identity them and they continue to ignore my request to remove this account from my credit file. I need your assistance in getting this matter resolved once and for all.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX keeps allowing IC System to report a cable account with a address and account that I have never lived or had they have allowed them to remove and repeatedly put back on my credit report which drops my score immediately
Product: Mortgage

Please Review THE LAW you must cancel the fraud loan XXXX the cancelation docs are not dated correctly, that means the 3 day window is extended. XXXX  Then you accepted the cancelation, even with your wrongful and criminal extortion of the XXXX of escrow money you never spent. 

CANCEL THIS STUPID LOAN!!!! STOP COMMITTING FRAUD AGAINST YOUR SHAREHOLDERS AND THE IRS FOR A LOAN YOU KNOW YOU DON'T HAVE!!!
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XX/XX/XXXXAccount Number : XXXX Account Name : XX/XX/XXXXAccount Number : XXXX and 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

the collection company name Stuart-lippman and associations INC try co email and call me to collection
Product: Credit reporting or other personal consumer reports

This creditor has violated my rights causing me to be denied for housing. I have the right to privacy. A consumer reporting agencies can not furnish an account without my written instuctions. A creditor may not treat a payment on a credit account under a open end consumer plan as late for ANY PURPOSE. 

XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting

XXXX has some how made their way on my credit report reporting false information stating that I owe {$400.00} from XX/XX/XXXX. The prior company was XXXX from XX/XX/XXXX in which I have sent a letter to, to prove and verify that this account is in deed mine and why they feel that it is mine. I gave them 30 days. No respond and no updates. The account was sold to XXXX in which they never have NEVER contacted me but instantly put this fraudly information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a NEW Complaint filed on XX/XX/XXXX. 
I am in possession of the papers sent to me on XX/XX/XXXX, The information provided was unresponsive to my demands. I demanded proof that I owe you money, this is not proof that I owe you money. 
In fact your name is not even mentioned on any of the paper work provided. 
Furthermore, Please provide proof of this alleged item ... Specifically the Contract, note or other instrument bearing my SIGNATURE, before continuing collection activities!