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

I overpaid my Bank of America VISA credit card in XXXX of 2022. When I discovered this, I called customer services to request the overpayment ( just over {$3500.00} ) be reimbursed to me. I was told a check would be sent in 7-10 business days. 6 weeks later, after not receiving the reimbursement check in the mail, I contacted the Bank of American VISA credit card customer service again inquiring as to where the check was. The agent did not know. So I requested a stop payment on any check sent and requested a transfer of the funds to my Bank of America checking account. Weeks continued to go by and still the money was not transferred to my account. I had to contact customer service several times ( and escalate the request ) until I finally received the transfer nearly 2 months after the initial request. Because of the lack of responsiveness on the part of Bank of America, I was unable to pay my mortgage. As a result of my being delinquent with the payment ( because my money was tied up with Bank of America and not reimbursed to me ), I now have a negative mark against my credit for 7 years. 

This is totally unacceptable. I will be canceling my Bank of America credit card. I wanted to have this on record with your organization in the event someone else has the same issues. 

*All of this is documented with specific dates and times via Bank of America credit card customer service XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX
Product: Checking or savings account

XXXX - I tried to transfer funds out of my Huntington checking account to another bank. My connected accounts were suspended so I was unable to transfer any money. Notification on the account listed a customer service number to call. I called customer service for Huntington bank to close my account and have remaining funds transferred to another account at a different bank. Customer service said procedure for unlocking and closing accounts would need a statement from receiving bank and I would need to go into a branch to accomplish this. I do not live in a state where there is a branch and I told the representative. The was response was they couldn't do anything for me but I could call a branch for assistance and they gave me a number to call. I also asked why my connecting accounts were suspended as I have transferred funds in the past between these accounts and they were unable to answer the question, citing there were not any notes on the account as to why this was done. After hanging up, I called the branch number I was given and got the same answers- I could not do anything without coming into a branch and there was no alternatives besides spending the money from the account and leaving the account open with a balance of XXXX.
Product: Consumer Loan

I took out a loan with a company Called Armed Forces Loans of XXXX. I was active duty military at the time and I was in need of a loan due to unexpected expenses. I received an approval through Armed Forces Loans of XXXX. At the time I was just excited to get approved for the funds that I need, but as time went on I realized I was in a much better situation without the funds from this company than before I made contact with this company. 

I was charged interest rates upwards of 34 % which I know now is not allowed for XXXX military members for an interest rate to be so high it should be maxed at 6 % ( due to laws such as the SCRA etc. ), this interest rate is also not allowed for the state of XXXX Residents. I was also not aware that this company may not even be allowed to lend to Maryland residents due to not being licensed in the state or not following the XXXX interest rate guidelines. 

This company has left countless remarks on my credit report in order to get this debt collected and it has become very damaging to my credit profile. I am willing to take full responsibility for the debt and I would like to get this account settled but only if this is indeed legal account ( loan ). 
I would like to request the company send me : A copy of my full account statement ( Loan Amount and Terms ( signed by me ) to include interest and fees ) which have never been provided by the company and are not available on my online account. 
Also I request the company send me their License information that grants them authority to lend in the State of XXXX and or to XXXX Residents. 
Any other relevant documentation to prove this company has the ability to lend to myself. 

While this process is ongoing I would like Armed Forces Loans to remove all account information ( collection accounts, derogatory remarks etc. ) and to cease collection attempts. 
It has been brought to my attention that I may be a victim of deceptive lending or predatory lending and if this is the case due to what has been listed above then this account should become void. It makes this very suspicious when they do not want to reveal original documents or provide certain proofs that are required by law. 

Upon the Company receiving this complaint I wish that if I am wrong about any of the above mentioned that they will not show any type of retaliation efforts and cause more damage to my credit than they already are. I am just a concerned consumer that wishes to verify my rights. 

I do not wish for Armed Forces Loan to contact me until they can provide what was listed about as I do not want to be put in a more stressful situation than this already is.
Product: Payday loan

Lender sold my account to another company called XXXX XXXX XXXX at XXXX ext. XXXX
Product: Student loan

I have made 3 payments that were processed. I received emails confirming this. Payments were never deducted from bank account. Days after confirmation of payments received, the loan status appears as payments reversal the company claims I have not made payments and has charged me interest. And outstanding balance of the double of my payments appears on the account. Overdue payments appear in red. My total amount has increased.

I called my bank and the representative explained that there was never an attempt or claim from aidvantage to collect payments. 


I made two payments of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ATTENTION DISPUTE DEPARTMENT XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1300.00} XXXX {$1300.00} XXXX - {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern,  On [ Date ], I wrote to tell you that I had not heard about any specific action taken by you to re-verify theitems I had identified in my credit report as inaccurate, outdated or incomplete. Please acknowledge receipt of the attached copies of my correspondence for your review. Since you have not given me names of persons you contacted for re-verification of the information, nor have you complied within the statutory time period ( 30 days ) to my request for re-verification, I assume that you have not been able to re-verify the information I have disputed. Therefore, you must comply with the Fair Credit Reporting Act and delete the disputed items from my credit report.I demand that you send me a copy of my updated credit report showing the elimination of the items disputed by me in the attached letters. According to the USC section 1681j, this copy must be provided at no cost to me. Additionally, I demand that it be postmarked within five days  after signing the certified mail receipt you are holding. 
Your failure to provide me with an updated copy of my credit report with the disputed items deleted will prompt me to pursue my legal rights under 15USC Section 1681n or 1681o of the Fair Credit Reporting act, Civil liability for willful noncompliance. Your credit bureau may be liable for : - Any actual damages I sustain due to your failure to delete the items.-Punitive damages as the court may allow.-Cost of the court action, plus attorneys fees.A copy of The purpose of this credit repair letter has been sent to the Federal Trade Commission, the Subcommittee on Banking, Credit and Insurance, and the Department of Business and Professional Regulations ( Division of Consumer Complaints. )
Product: Checking or savings account

I am done with Chase Bank. Close my checking account and mail me a check.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 30 days late payment on XX/XX/2019 from Macy 's star rewards store card. 
I ask for them to delete this late payment do to covid 19 as reason. I did receive answer from them showing that it was denied. I did try one more time this year and call them to delete this late payment and they told me i tried last year to delete this late payment and they can not help on this.
Product: Credit card

The statement date reads XX/XX/year>, Due Date reads XX/XX/year>. There is NO postmark on the envelope. The envelope was received on XX/XX/year>. There is no way that the company will receive the payment on the due date. Every correspondence form the company has NO postmark. When I called the person was very clear that they are required to mail and expect payment within 15 days and they are right on the money with the dates. However, that does give enough time for someone to mail in a payment. Yes, there are options to pay online or arrange for XXXX. That doesn't mean everyone has that option. Correspondence from the company is never dated even if they run their envelope through a machine.
Product: Credit reporting or other personal consumer reports

15 us 1681i INCOMPLETE INFORMATION ON MY CONSUMER REPORT Transunion is reporting old, incomplete and inaccurate information on my consumer report. 
this is the second week that Transunion has reported old, incomplete AND inaccurate information promptly delete XXXX  promptly delete XXXX XXXX reported on XX/XX/2024 promptly delete JXXXX reported on XX/XX/2024 evidence is attached below
Product: Credit reporting or other personal consumer reports

This company have violated my federally protected consumer rights. They have violated my privacy. I have went ahead and filed a complaint with the Department of State with New York State. 

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 1681 section 602 A. States I have the right to privacy U. S. Code 1666b states that a consumer reporting agency should not treat any payment under a credit account as late for any purpose.
Product: Credit card or prepaid card

I had to file a Consumer Proposal ( Orderly Payment of Debt ) under the bankruptcy act here in XXXX. When I did that, I found XXXX credit cards opened fraudulently in my name. 
XXXX from XXXX Bank, XXXX from XXXX, and XXXX from USAA totaling {$25000.00}. 

When I saw all that the Consumer Proposal was paying out ( from my credit report ), I realized that these were not mine- I never opened them, I never used them. 

I contact the banks immediately, asked for the application - I was ignored. 
I reported them to : https : //www.identitytheft.gov/ and have been following their program with the letter templates they provide- I was ignored. 

My Consumer Proposal paid them already. They don't care that I have paid {$25000.00} that I should not have had to. But they won't respond to me at all. I am the victim of a crime and no one seems to care. I don't know what to do. Identify Theft listed this as the next step.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

XXXX, equifax, and XXXX was sent information requesting the removal of inquiries of companies i didn't recognize, they were also sent information of their data breaches and how my profile was one of the ones effected by their breaches. These companies have refused to do the proper investigations that are required by law to properly remove all information that has not been proven valid. Please remove all information on my profile that was effected by their data breaches
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updated credit file, incorrect information were found in my reports. The XXXXEquifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 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 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: Money transfer, virtual currency, or money service

i was wondering where my money was at that i sent to my property management company to pay rent and they said my money was returned to my employer and my employer told me it was not. and then the property management company told me my money was sent back to the bank account which it wasnt. the account in question is B9.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company Name : XXXX XXXX XXXX XXXX Account # XXXX Address : XXXX XXXX XXXX XXXX XXXX, CA Date Opened : XX/XX/XXXX This information is inaccurate because : This account has incorrect information, this is a prepaid company. This is not a real credit card, this needs to be removed. The balance is incorrect on this account, Its way to high. This is false information being reported, I would like this removed from my credit history. 


File Number : XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XXXX Dear, Transunion Consumer Solutions XXXX XXXX : XXXX XXXXXXXX XXXX Account # XXXX Address : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX This information is inaccurate because : This needs to be removed this is Inaccurate information and payment history. I have paid this account off, this should not be on my credit report. I would like this to be deleted. I did Not open this account in XXXX. Incorrect information, someone used my name in connection with fraud opening this account. I would like this deleted from my credit report.
Product: Mortgage

Since XXXX of XXXX my XXXX and I have been dealing with the idiots at Bayview Loan Servicing about becoming a successor of interest. In XX/XX/XXXX XXXX XXXX as a courtesy made my XXXX a successor. Bayview then hired an attorney and attached is his letter showing that I am an owner in the property which I have been claiming for months. As you can see from XXXX XXXX the XXXX at Bayview per her letter I have no interest however there own attorney disputes that finding. Close these XXXX down. Also the Consumer Finance Agency has in place laws to quickly determine successors and I do not believe that almost 20 months is quickly. Bayviews own attorney has proven our case Thank you
Product: Debt collection

several threatening calls would not send me any documentation as requested. Hung up on me whe I kept insisting on paperwork.
Product: Money transfer, virtual currency, or money service

In XX/XX/year>, I had a friend who I was working with. She ended up leaving the job. There was a person that was trying to request money under her name and like a good friend I was I sent the money rounded up to almost {$200.00} Before I called her and asked her what was going on and she informed me that that person is a scam reach out to Bank of America to assist me with the situation and they did not. I did not get reimburse for be careful who you bank with
Product: Mortgage

Capital Mortage pre-approved me for mortgage and I based on their preapproval I proceeded with signing contract for a hope purchase. I spent a lot of money on the home inspection, survey, lawyer and ernest money. Capital Mortgage run my credit report several times and did not inform me within 30 days that my loan was denied. They kept on advising me to pay off negative accounts from my credit report which I did promising that that will help me get approved for a loan. They also told me to remove myself from my mothers account as authorized used which caused my credit score to drop over 30 points. Finally they informed me that my loan was denied and they would not consider manual underwriting because of location of the property ( XXXX ). Up to now I did not receive denied letter and so I am unable to get back {$5000.00} ernest money deposit. Moreover because of they wrong credit advises my credit score went down and I consequently became ineligible for a loan with another mortgage lender. I would like to receive {$10.00} in damages for the poor service and losses I acquired because of them
Product: Bank account or service

We opened a free business checking account with PNC. The purpose of this account was to collect publishing residuals. We chose a free business checking account as we knew at first there would be very little money coming into the account. In XXXX 2014, PNC started charging us {$14.00} a month for this account. We neither knew about nor agreed to these terms. While gathering our paperwork for our accountant, we found that this account had only {$28.00} in it since PNC had taken out a total of {$110.00} without our consent.
Product: Debt collection

XXXX XXXX XXXX Original creditor XX/XX/year> ( XXXX yrs, XXXX mos ) This is a XXXX XXXX XXXX XXXX in IL I live in GA and have for the last XXXX. This is not my debt! I have been disputing this and it will not come off. I need it removed because there is no way possible that I was the person that made this account.
Product: Debt collection

GRAIN TECHNOLOGY continues to use unfair and deceptive means to attempt to collect a debt. They are posting inaccurate information on my XXXX consumer profile. I've contacted GRAIN TECHNOLOGY & XXXX numerous times disputing this alleged debt. I've asked for validate & verify this debt. Provide me with documentation that I am legally obligated to pay them. They did not. I asked them to Cease & Deists Communication in reference to the collection of this debt on all mediums including to any non-affiliated third parties. They did not. There was NEVER permissible permission given for anyone to share my private nonpublic information. No consent is identity theft. 
Also, as defined by the IRS -Even if you don't receive a 1099C, you must report cancelled debt as gross income on your tax return. 
The IRS clearly defines a charge off as Gross or Ordinary income. 
INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT!! 
GRAIN TECHNOLOGY is reporting an account is C/O on my consumer report they SHOULD NOT. 
Delete this account IMEDIATELY!!!
Product: Credit card or prepaid card

I purchased a temporar y card at Kroger  on  XXXX / XXXX / 17 , paying {$20.00} plus a {$3.00} fee in cash. I attempted to register the card and obtain a permanent card. Their w ebsite was unable to verify my information on two separate occassions even though I correctly answered four questions identity verification questions. Their automated phone system was not working. Their only alte rnative was to fax or mail my social security card and passport information. I am not willing to do that. I asked for my {$23.00} to be refunded. They only offered to refund the {$20.00}. I told them that was not acceptable, I expected my full purchase price to be refunded.