23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I mistakingly deposited 3 business checks into my personal account on XX/XX/20 at XXXX XXXX. I contacted Bank of America and was told by the phone rep that it would be reversed in 24 hours. I called again on XX/XX/20 at XXXX and XXXX XXXX.when the deposits were not reversed and spoke with a manager who apologized and said the phone rep had made an error and that it would take 7 days for the reversal. I  called again on XXXX at XXXX XXXX. because the reversal still had not occurred and spoke a number of incompetent people -finally I spoke with XXXX who created 3 case numbers XXXX, XXXX, and XXXX. He said the reversal would occur in 72 hours. I called again on XXXX at XXXX XXXX. because the reversal still has not occurred and spoke with XXXX who after a whole run around -because every-time I call, there is never any record of my previous calls, said that the cases had been closed/resolved. He later admitted that they denied the transfer. So Bank of America is cashing checks that are not written to depositors and they lying to depositors about reversals, and they are not keeping any records on depositor requests or complaints and for good measure they lie to depositors about who is and isn't a manager. Please post my complaint so that the public can know how they will be treated at this bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Credit Reporting Act the list of the following accounts are violating my federally protected rights to privacy and confidentiality. Also, the FCRA clearly states everything on my credit report must be 100 % accurate, after viewing my report these accounts also have multiple inaccuracies. 

1. ) XXXX - ACCOUNT # XXXX, ACCOUNT # XXXX HAS VIOLATED MY RIGHTS 2. ) XXXX - ACCOUNT # XXXX HAS VIOLATED MY RIGHTS 3. ) XXXX XXXX - ACCOUNT # XXXX HAS VIOLATED MY RIGHTS 4. ) XXXX XXXX - ACCOUNT # XXXX HAS VIOLATED MY RIGHTS 5. ) XXXX XXXX - ACCOUNT # XXXX HAS VIOLATED MY RIGHTS XXXX. ) XXXX XXXX - ACCOUNT # XXXX HAS VIOLATED MY RIGHTS 7. ) XXXX REV - ACCOUNT # XXXX HAS VIOLATED MY RIGHTS 8. ) UNKNOWN - ACCOUNT # XXXX HAS VIOLATED MY RIGHTS 15 U.S.C 1681 section 602 A. States my right to privacy 15 U.S.C 1681 SECTION 604 Section 2 : states a consumer reporting agency can not furnish an account without my written instructions.

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

Someone stole my card from cash app used all my money fraudulently in authorized transaction XXXX $ XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I mailed two validation letters to the company Credence Resource Management. First letter was mailed XX/XX/year> and the second letter was mailed XX/XX/year> and both letters were returned due to wrong address from debt collector. Attached in tracking information for both letters. The company is also trying to collect the wrong amount for the account so that is why I requested the validation letter but unable to communicate with them. On the credit report they have the wrong address listed which is the one I used for the first letter. On the second letter, I googled the address and called the number to collect correct address which provided a GA address but now the second letter was also returned due to wrong address unknown.
Product: Checking or savings account

hi, as we all known SBA was depositing loan and grants in sole propietor account, and i was one of them.Few moths before i got PPP LOANS, XXXX  LOANS & GRANTS from them. and i didnt had business account as XXXX XXXX XXXX AND XXXX and we are not required to have BUSINESS ACCOUNT & EIN NUMBER we can use our social security number. I am driving since 4 years with them. All of a sudden on XX/XX/2021 early morning my chase account is closed for some reason after trying to reach customer service they said it was due to the reason my account was not business account for sba to deposit the funds so please drop your 1099 and 1040 schedule c in nearest branch. After doing it right away now they want me to have EIN number so the can release my funds. I tried my level best to explain the the requirements by XXXX AND XXXX XXXX IRS that drivers dont need to have EIN number. Chase said they gon na hold funds from my bank for 3 weeks which includes my saving account & my wife joint account she is frontline worker and her salary too gets deposited there. Now we dont have money in hand to Pay rent next week and no other source of money. I requested them and explained the best possible way i can but no humanity in them. and they want me to wait for 4 weeks to get my money. 
i have attached documents related to my self employment and sba documents alongwith unemployment department. 

MY SBA APPLICATIONNUMBER : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX account is closed and over 10 years old needs to be removed from credit reports.
Product: Mortgage

Shellpoint Mortgage Servicing XXXX XXXX XXXX XXXX, OH XXXX Phone : XXXX I wrote Shellpoint by USPS on XXXX/XXXX/XXXX about a lower APR on the XXXX XXXX XXXX property and they called me, but did not offer a lower rate. I wrote them again on XXXX/XXXX/XXXX about correcting the maturity date on the same property and received no phone or written reply : There has been an error in the maturity date of 30 years from XXXX of my two first mortgages. I live at XXXX XXXX and my son lives at XXXX XXXX. Please send me the following information for each of the two loans ( XXXX XXXX XXXX XXXX, OH XXXX account # XXXX and XXXX XXXX XXXX XXXX, Oh XXXX account # XXXX ) : The house my son lives in, account # XXXX, still has the original APR rate from the origination XXXX date and never received H.A.R.M. Since the terms and monthly payments did not change, the maturity date of XXXX should not have changed either. Why is the maturity date XXXX and I have already paid 11 years on this loan? 
The house I live in, account # XXXX, received a new APR through H.A.R.M. and the monthly payments did change. I thought the maturity date would be XXXX and not XXXX since I had already paid a significant amount on the mortgage since XXXX. 
I have been retired since XXXX. I am XXXX years old and my mortgages have the sharecropper effect of never being paid off. I do not want to pass away and never truly own my home nor leave my son debt strapped with mortgages. I purchased the XXXX XXXX XXXX home in XXXX with the original maturity date of XXXX. I purchased the XXXX home in XXXX by using my XXXX home. Please explain why the XXXX maturity dates of both homes did not maintain their original maturation date ( especially the XXXX home ). 
When will the errors in the maturity dates be adjusted ( especially the XXXX home since its APR, terms, and payments never changed from XXXX like the XXXX home changed in XXXX )?
Product: Money transfer, virtual currency, or money service

They did not uphold their terms as of returning my security deposit upon requesting to close my account. I was not given the choice as to how I was paid as per their terms. 

. If your account is closed for any reason, we will return your security deposit funds minus any amounts needed to pay off any existing balances. We will provide your security deposit to you in an approved method that you will select. If we mail a check to you, we will mail it to your mailing address on file with us. If we send an ACH payment to your bank account, we will make the payment to the bank account with the information you have provided us. In the event of your death, we will not release funds held in your security deposit account unless all amounts due on your account have been repaid and all legal documents we require are delivered to us. 

https : XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX
Product: Mortgage

I received my annual escrow analysis. Turns out they had been overdeducting to the tune of {$3400.00}. I called and asked for my refund and was told that it takes 30 days. That is not reasonable. Miss a payment for 10 days and you get a penalty.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

My name is XXXX XXXX and I have an account with Capital One Auto Finance. Back on XX/XX/XXXX My vehicle that I finance under Capital One was a total loss. My insurance company paid a part of the balance off and there is a balance left of {$2700.00}. I called in multiple times and spoke to 4 different representatives and 2 different managers. When I called in I explained to them that I received a letter and that it states on my Capital One App that the balance is due in full. I advised them at that time that I can not afford to pay it all off at once. From the car wreck I was out of work and I had a lot of medical expenses that I had to pay up front. During the time that I was waiting on the car to be paid I made all my payment and more on time as I am still doing. My Payments are {$280.00} and I have never been a day late. I received a letter back in XX/XX/XXXX that my payment was due in full. When I received the letter, I called in and spoke to an associate about payment options. The assured me that I could continue paying the monthly payment of {$280.00} a month. I advised them that I was in the process of purchasing a home and could not have anything bad going against me on my credit. They assured me then as long as I was making the monthly payment I would be fine. I then received another letter and I called again. This time I called and got a male associate. He advised me the same thing, that if I keep making the payment that I would be fine. During this time, I asked was there any time frame will it charge off or affect me in any way. He stated no that It would not. I then asked to speak to a Manager to assure that I could keep making the payments. He then stated sure and transferred me to a manager. I spoke to the Manager and the Manager assured me the same thing. Also, the manager that I spoke to was not an escalation team it was a floor manager that got on the phone. On the phone call I also made sure that he understood what I was asking. He assured me that he was the associates floor manager and that I was ok with paying my monthly payment. So now before the timeframe of 25 days I get another letter and I call today. I spoke to a XXXX -XXXX that was very rude. He told me that the information that I was given was wrong and that I need to pay this off by XX/XX/XXXXor it will be charged off. I am very upset that I was informed many of times wrong by not only associates but also Managers. I have been a good customer to capital one and never late on any payments. I would like all calls that where made on my account pulled and reviewed and addressed. Each person that gave the wrong information would need to be coach on what to provide to a customer that is going through a life changing event. {$2700.00} is the balance and if I keep making the payments it will be paid off in XX/XX/XXXX. If that is not an option is there any way that you can settle for an amount to complete the loan. I was told today that I must pay it all off by XX/XX/XXXXand there is no way that I can do that. Please pull the calls and listen to them.
Product: Student loan

I am a single mother of XXXX kids. I have tried lowering my student loan with Citizen Bank and they will not agree to do it. I could not make my payment for the month of XXXX and they sent it to collections without even trying to contact me.
Product: Debt collection

XXXX called my cell phone at XXXX XXXX  on XX/XX/2018. They left a voicemail that says this exactly : " We have an important message from Affiliated Creditors. This is a call from a debt collector. Please call XXXX Extension XXXX. Thank you. '' I have 0 debt in my life, and I have never had any form of income. I am a XXXX XXXX with no debt, and these people should not have my number at all.
Product: Credit card or prepaid card

I received an email from Capital One about a store credit card which the company has bought. The email offered payment options to cease the 'charge off ' process on the card to allow me to keep the account. I was referred to a toll free telephone number where I could make arrangements to pay in installments since I am not able to make the balloon payment. 

The telephone number is a fake, the person on the other line answers the phone in his home and claims to be a Capital One representative. I tried the call on two different phone numbers ; on the first phone call, I did not identify my name on the account and was not asked, then the person answering the phone asked for my DOB, when I asked to speak to someone else, the person transferred the call to a child. On the second call, the same man answered the call after taking the phone from the child, his wife was in the background and again they asked for my DOB. I hung up the telephone without giving out any more information. 

The problem is that my online account with Walmart.com hacked and then the same account was transferred to Capital One at a buy out - I was trying to prevent the 'charge off ' from happening, but apparently, I have been SCAMMED and am unable to reach Capital One to resolve this matter in my favor.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX SSN : XXXX DOB : XX/XX/XXXXXX/XX/XXXX EXPERIAN INFORMATION SOLUTIONS RE : Requesting a Method of Verification Letter RE : XXXX XXXX - XXXX XXXX XXXX - XXXX Dear Sir/Maam : I recently received a response to a dispute ( see attached ) that I made under FCRA 611 ( a ) regarding erroneous items on my credit report involving a transaction with. I was saddened to learn that you somehow verified the disputed item, with my address and social security number, dont know how you did it, but, its not correct because XXXX DOES NOT have those accounts number attached to THIS ADDRESS! And electing to leave it on my report. 
I am absolutely certain that the items I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. 
I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. 
I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this deliberate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 
I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the items in question permanently expunged from my record. 
Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 
Very Respectfully,
Product: Mortgage

The mortgage company ( Green Tree Servicing LLC ) sends billing statements out late or not all. Many times the statements are not up to date ( correct billing amount ). Then they hit you with late fees and bombard you with harassing phone calls throughout the day trying to get you to pay by credit card over the phone. When I purchased the property, my aggregate credit score was XXXX and I have n't had these problems with previous mortgage companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

THEY ARE REPORTING INFORMATION FRom A 3rd party that is illegally They shouldnt be reporting a bankruptcy it isnt public knowledge, I notified them that they are breaking then law I notified the courts and the courts told me it is against there policy to lend information they are in violation I ask them to remove this bankruptcy from there web site and they refuse
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX  XXXX   Experian Re : Chapter XXXX  Bankruptcy To Whom It May Concern : I am disturbed that you continue to list the dismissed bankruptcy as confirmed within my crediti file. Although it is your policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''.

Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent.

Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, you must delete this information from my credit report and send me an updated copy when this action is completed.

Considering that this does not require an investigation, I would appreciate your response within 14 calendar days from receipt of this letter.

Again I never paid or walked into court for such a matter and by law it does not exists
Product: Mortgage

Fell behind in mortgage payments and filed XXXX bankruptcy XX/XX/2018. In additional to monthly payments made to Amerinat, trustee payments were made and I received help through the HAF program. I obtained a housing counseling program and applied for help. It seemed as if the post petition payments sent to Amerinat were not applied to my delinquency. My account balance became higher and higher as if Amerinat wanted to foreclose in my home deliberately. I applied for loan modifications that were denied. I paid lump sum payments to their lawyers and the company but never received statements showing the amounts were received or applied. Only thing I received were foreclosure packets. I do not see where the post petition payments made by myself or the trustee have been applied. When I applied for HAF Assistance I was approved and Amerinat received {$13000.00} and additional XXXX. I dont understand how I was behind to receive over XXXX of help from HAF. The trustee paid from XXXX a total of XXXX to Amerinat and I paid over {$16000.00} in post petition payments. This serves as a formal complaint as I know money was misapplied by Amerinat and now they wont talk to my bankruptcy attorney. I feel cheated and taken advantage of. Amerinat owes me money that was stolen and never applied to my mortgage account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has not block the credit card company info that reporting on my credit report as XXXX XXXX that has a balance of {$670.00} and this account is fraudulent and I never did business with this company and my information been stolen and I have added a fraud alerts and I want this account blocked..