23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

In XX/XX/2023 I transferred my student loans from XXXX to XXXX for repayment. After my loans were transferred to XXXX, XXXX failed to " close '' or " transfer '' my loan accounts on my credit report. I have contacted XXXX XXXX times by phone to have this complete and even filed a dispute with XXXX to have them close the accounts. They sent me a statement in the mail that says their accounts are correct and have been transferred when they are not. My credit report is taking a hit because it is reporting that I owe XXXX  the amount of student loans when I have only XXXX servicer for them, which is XXXX. I should not have an open account with XXXX as I have not had them for my loan servicer since XX/XX/2023. This is affecting my daily life as I have tried to apply for other loans and can not be approved because my debt ratio is too high due to the incomplete task that XXXX is failing to accomplish on my behalf. I filed a dispute on Experian for all my XXXX accounts, which came back that the consumer disagrees with my statements. I have paper work stating when XXXX took over and that my accounts with XXXX were transferred. 

I have already sent a complaint through CFPB. XXXX responded with a letter stating that they have put a " suppression '' on my accounts and that once they evidence from the Education Department that my accounts should be closed, then they will take the corrective actions.
Product: Money transfer, virtual currency, or money service

Hello, I transferred money via XXXX XXXX. 

I live in XXXX and received XXXX XXXX  brought it to XXXX XXXX and they sent the money to Bank of America via a routing and an account number on XX/XX/XXXX. 

I am the owner of the account it was sent to. 

I was sending the money to myself. To an account I have with Bank of America. 

I went home and normally the amount deposits easily into my bank but this time it didnt. 

Ive done this 3 times at least. 

I double checked my receipt with the XXXX number and it was all good but when I looked at the account number one number was off. 

I called the XXXX XXXX it was sent to and they verified the funds were already sent and began waiting for a refund. 

Ive called Bank of America, specifically the location it was sent to in XXXX XXXX, and over the phone she said We dont work with XXXX XXXX XXXX called a few other Bank of America numbers and they werent able to help. I asked one banker about looking up the wrong account number and it was that he let me know there wasnt a person with that account number. 

I spoke on the phone with 5 or 6 different people from XXXX XXXX. 
Its XX/XX/XXXX, I still havent received anything. 

When I emailed XXXX XXXX they immediately emailed me back and said they no longer do emails. 

All I have is the printed receipt. And a lot of failed phone calls. 

In addition to this incident, which is still ongoing I want to make a complaint about the Bank of America Application. 

They have left 2 open accounts for retirement/benefits open in the app that have no money in them. 

One is with XXXX who I worked for for 1-2 years And the other is with XXXX who I worked for in XXXX  The app has kept those accounts open with no money in them for no reason and Ive tried telling a banker this over the phone and they simply said thats Just the app. 

And that was where the conversation ended and I still have those accounts just sitting in the app. 



Thank you XXXX
Product: Mortgage

Company : American Internet Mortgage ( AIM ) Issues : ( A ) Unauthorized Automatic Withdrawal Payment, ( B ) Fraudulent Journal Entries In Loan Account, ( C ) Fraudulent miss-allocation I am in the process of refinancing an existing mortgage with AIM. 

I was advised by new lender that I should not make the XXXX payment because it would not be credited in time to be reflected on the AIM loan payoff letter. Accordingly, in late XXXX XXXX, I cancelled my automatic loan payment for XXXX XXXX with AIM ( I received an automatic cancellation receipt from AIM ). Subsequent to my auto payment cancellation, I discovered the new lender anticipated delay in closing on the AIM replacement loan. Therefore, I decided to make a one-time payment to AIM for the XXXX XXXX payment, which I set up to to occur online, in late XXXX XXXX. *During this time AIM had already received 2 payoff request letters from the new lender plus one payoff request letter from me, so AIM KNEW I WAS IN THE PROCESS OF REFINANCING* Issues : 1. Despite my cancellation of the auto payment ( for which I have a receipt ), AIM illegally, and incorrectly processed the XX/XX/XXXX auto-payment anyway. AIM loan account shows this transaction as having taken place on XX/XX/20 ( I learned about this on XX/XX/20 ) 2. I made an online one-time payment in full, for XXXX AIM loan. My personal bank account posted this transaction on XX/XX/XXXX, and AIM posted this on the loan account on XX/XX/XXXX. 

3. On XX/XX/XXXX AIM posted XXXX transactions to my loan account, ALL OF WHICH WERE INCORRECT. First incorrect ( Fraudulent ) transaction was a payment reversal for the auto-payment which was originally cancelled online, but actually illegally pulled from my bank account by AIM on XX/XX/20 ; second incorrect transaction was a payment credit with the incorrect principal and interest amounts reflected on the AIM account ; third was another payment credit posting to my account, by which interest was charged for a second time in XXXX. 

4. the third transaction posted to my account on XX/XX/XXXX was a second payment, by which I was charged interest for the same period of time ( double charged interest, instead of full principal amount applied to loan ). This was a fraudulent application of funds. 

In summary : I only authorized one ( 1 ) payment for XXXX, but AIM debited my bank account by two payments in net. AIM then incorrectly reports a reverse payment on my loan statement ledger, which was a fraudulent entry ( the only two entries on my account should be two full amount payment for XXXX XXXX period, one on XXXX, the other on XXXX. There should be no reversals ). AIM then re-added / credited my loan statement with both payments, but fraudulently charged me interest for both payments covering the same period of XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, Tx XXXX XXXX  XXXX XXXX XXXX  XXXX ( {$1600.00} written off ) XXXX  XXXX XXXX  XXXX ( {$100.00} written off ) Each disputed account the debt has been deem uncollectible. Each disputed account is past the statute of limitations. Each company has issued a form 1099c. There are court cases that have ruled it is unfair to continue to report to a credit report after these actions have taken place. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  it would be inequitable to require that ( Defendant ) report the discharge of debt as income on his federal tax return or face the potential tax consequences and hold that the plaintiff may continue to hold him liable on the debt XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX ( a ) holding that it is inequitable to allow a creditor to belatedly enforce the alleged debt after it received the tax benefit of the charge off XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( issuance of form 1099c after debt was written off is " Prima Facie evidence '' that debt had been discharged by creditor, sufficient to create an issue of fact I have also filed a tax fraud case against XXXX. The reference number for this case is XXXX. 

FCRA Violations XXXX XXXX ( {$100.00} written off ) The account number listed is not accurate. This is not the entire account number. The account number exactly matches another negative account reporting. FCRA violation. 

XXXX  XXXX The account number listed is not accurate. This is not the entire account number. FCRA violation. 
Payment history is reporting inaccurate. Several months have no payment history. No on time payments reporting. No late history reporting. 
No credit limit reporting. Incomplete information XXXX  acct. XXXX ( {$1600.00} written off ) The account number listed is not accurate. This is not the entire account number. The account number exactly matches another negative account reporting. FCRA violation. 
Payment history is reporting inaccurate. Several months have no payment history. No on time payments reporting. No late payment history reporting. 
*No high balance reporting. 
Date of last activity reporting different for Experian and XXXX Last payment reporting different for Experian and XXXX. 

XXXX  XXXX XXXX The account number listed is not accurate. This is not the entire account number. FCRA violation. 


I hereby demand that you immediately delete these items from my credit report in order to avoid legal action. If these items are not deleted and come back verified Ill then proceed to take these items to small claims court where Ill seek to get my desired remedy. Ill also be submitting this complaint to the Attorney Generals Office, and the XXXX.
Product: Checking or savings account

Yes, in the past few days, the banking services, including XXXX transfers, wire transfers, and card transactions, have been disrupted. I am unable to place a withdrawal of my funds to an external bank of {$2600.00}. 

The disruptions are due to issues with Juno 's banking services provider, XXXXXXXX XXXX XXXX XXXXXXXX. XXXX XXXX XXXX. has filed for XXXX which is the cause for this issue apart from other banks facing same issue such as XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Transunion are taken advantage of me by furnishing items on my Consumer report without my Consent. This is Identity Theft define by 18 usc 1028 ( a ) I did not consent to anyone to furnish anything on my consumer report. The are also Violating several other FDCPA LAWS as well as FCRA. My right to Privacy, Permissible Purpose. And 15 usc1666 Billing Error. They are reporting Fraudulent late payments on my report as well. I Demand they remove all Fraudulent/ Inaccurate accounts from my report in Accordance to the FDCPA and FCRA XXXX
Product: Credit reporting or other personal consumer reports

After reviewing my credit report I noticed several inaccurate late payments reporting on my credit profile for my account that was never late.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXXXXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit card

After years of being an exemplary customer, who has never missed a payment and always paid off every single balance in full, my account was closed to my surprise. Upon reading the reason, I was even more surprised. The letter of explanation states that your " affiliate ending its banking relationship '' with me, however I have never in my life had a banking relationship terminated, not by a Chase affiliate or any other institution for that matter. 

As per my credit report and banking history I have been an excellent customer to Chase and others such as XXXX and XXXX XXXX XXXX for 10 years. At this point I am very disappointed with the service and misconducted which I was offered by Chase, however I want to protect my credit rating which is excellent, and I fear a wrongful account closure and incorrect reasoning provided, could hurt my credit rating wrongfully. 

I therefore requested that this matter was looked into again, and that there is a thorough review as to eliminate any type of mistake on the bank 's end. If Chase wishes to end it 's banking relationship that is perfectly fine, however I would like the real reason, as to protect my reputation and credit. Again, the fact that any institution has ever closed an account with me is false, and I can prove this through my credit report and further documentation. 

After numerous attempts of getting some sort of clarification from Chase customer service which is unable to assist in any which way, I requested that someone with executive power look at this matter, to make sure that as the outstanding customer I was to Chase, my reputation is not damaged due to an internal mistake. I have had no luck yet.
Product: Credit reporting or other personal consumer reports

I am writing to formally request updates and corrections to my credit report. After reviewing my credit report, I noticed discrepancies in my personal information
Product: Checking or savings account

XX/XX/XXXX my account was restricted due to standard security checks XX/XX/XXXX my account was unlocked I deposited money attempted to use mine card for the account and a restriction was placed back on I'll call to try to find out what was going on and again it was told that it was standard security measures on the XXXX my account was unlocked on the XXXX of XXXX my account was locked again on the XXXX of XXXX it was unlocked and now again also on the XXXX of XXXX it is locked again when I call they say it's another department or it's just security doing a security check I said XXXX times and XXXX  days I deposit money that's something to use my car and my account is locked XXXX somebody's going to reach out to you and let you know there's only XXXX person who did in his name is XXXX XXXX but they say that somebody's going to reach out to me ain't nobody reached out to me first they said XXXX hours then they said XXXX so I don't even know how long it's supposed to normally take but from looking at the XXXX reviews I'm not the only XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a bankruptcy fall off my report and my score went up 60 points. A week or so later, my score went back down the exact amount of points. I looked at my credit report and the bankruptcy is no longer there, so why didnt my credit score go up and stay up?
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$700.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$370.00} ; XXXX XXXX XXXX Balance Owed : {$1500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Since XX/XX/XXXX, I have been in communication with Chase Card services. My mother was diagnosed with XXXX in XX/XX/XXXX. I explained to chase card services my predicament of having to take time off of work, to care for my mother. My mother has passed away as of XX/XX/XXXX. Approximately a little over a month ago. I have tried to reconcile and have negotiable terms, and even made minimal payments while being unemployed. I consider Chase Car Services to harassed me through my mothers entire XXXX, and also losing my business. I would like to keep this account in good standing and would just appreciate some understanding from Chase. The negative statements reported to the credit bureaus also does not help me during this major crisis in my life. I am begging for help, to stop the madness and communicate effectively with this company!
Product: Mortgage

I have a mortgage with Shellpoint Mortgage Servicing. I'm also in the process of applying for a refinance loan through another company. On XX/XX/XXXX I began making requests to Shellpoint mortgage for a loan payoff quote. I've made at least 10 requests between then and now. I've called and emailed numerous times and to date, it has not been resolved. I've asked to have it escalated to the complaints department or the office of the president and I've been ignored. At this point it's now been 27 days since my initial request and I'm no closer to receiving my loan document. No one can help me and no one knows what's going on. I'm in danger of losing my refinance loan at this time because I can not obtain a valid payoff. PLEASE HELP!
Product: Credit reporting or other personal consumer reports

i recently reviewed a copy of my credit report and noticed i had fraudulent account on my report please remove these account from my report they are hurting my ability to obtain credit
Product: Money transfer, virtual currency, or money service

Over the last two years, i've been having problems by accessing my online banking with your company I have got no response from Bank of America. When I had try to call or send an email to the finan I believe that someone in that agency is trying t Also having the same problem with XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report. 

Bankruptcy : Discharged CH-XXXX XXXX XXXX XXXX : XXXX Experian XXXX, XXXX XXXX XXXX : XXXX Experian : XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX Experian : XXXX XXXX : XXXX, XXXX XXXX : XXXX Experian : XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX : XXXX Experian : XXXX XXXX : XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to express my extreme dissatisfaction and concern regarding the unresolved status of my previous dispute about unauthorized inquiries on my credit report, which I submitted on XX/XX/year>, followed up on XX/XX/year> and followed up on XX/XX/year>. This is my final attempt to resolve this matter amicably. I demand an immediate resolution in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
Unauthorized Inquiries : XXXX XX/XX/year> Equifax XXXX XX/XX/year> Equifax XXXX XX/XX/year> Equifax Section 611 ( 15 U.S.C. 1681i ) requires an immediate investigation of disputed information. It has been more than 30 days since my initial dispute, and I have yet to receive an adequate resolution, which is unacceptable.

Section 609 ( 15 U.S.C. 1681g ) entitles me to access all information in my file, including the results of your investigation. To date, I have not received the required information, which constitutes a violation of my rights.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section, representing a serious infraction. 
Immediate Action Required I demand immediate action to resolve this dispute. Specifically, I request the following : 1. Thorough and Immediate Reinvestigation : Conduct a complete and urgent reinvestigation of the unauthorized inquiries.

2. Immediate Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report without delay.

3. Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes immediately.

4. Detailed and Documented Notification : Inform me in detail of the steps taken and the results of your investigation within 15 days of receipt of this letter. Include documentation supporting your actions.

If I do not receive a satisfactory resolution within the specified timeframe, I will escalate this issue to the Consumer Financial Protection Bureau ( CFPB ) and proceed with legal action to protect my rights as a consumer. I will not hesitate to seek compensation for any damages resulting from your failure to adequately resolve this matter.

I expect your immediate response and resolution to this issue.
Product: Credit card or prepaid card

On XX/XX/2020 there were two unauthorized charges on my Bank of America account. One charge was for {$57.00} from XXXX, a company that doesn't even service my area, and the other was from XXXX for a restaurant named XXXX, where I've never eaten in my life, for {$36.00}. I called the company within a couple of days, and by XX/XX/XXXX, there was a credit on my account for these two charges and a fraud investigation had been started. My card was canceled and a new card was sent out to me. On XX/XX/2020 the credits were reversed. The company sent me a letter telling me that the orders from these services came from my device and that they match my previous account activity. I've never ordered from XXXX in my life, and XXXX doesn't service my area, so how could that be? I also have proof from my order history on XXXX to show that this order never took place on my account. I called the company again and they said that my claim was denied, and that they would resubmit it with this new information ( the information I provided earlier regarding the services ) and that there would be a resolution within 45 days. They have not been responsive or helpful at all, and I've even canceled the card ( they didn't try to retain me as a customer, since I'm clearly not valuable to them ) due to them saying that I would have to pay the minimum balance, which is the fraud charges since I pay my card off in full each month, until they are able to determine whether these charges were truly fraudulent or not. That's ridiculous. I eat XXXX and all of my order history reflects XXXX  restaurants. XXXX is not XXXX. I don't pay interest due to religious reasons, hence my card is paid in full each month, but they would make me pay interest by having me make the minimum payment until they can figure out whether this was fraud or not. The right thing to do here would have been to issue a credit again so I wouldn't have to cancel my card and be stressed about this situation that came about due to no fault of my own. I am still in possession of the card that was used, so I was not negligent in any way. Somehow these criminals got a hold of my card, and I don't want to finance their food or lifestyle. Bank of America needs to make this right. They have a {$0.00} liability guarantee which should be applied in this scenario.