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

Bank of America claimed their credit cards came with " {$0.00} Liability Guarantee '' but they kept charging me back and making me pay for the fraudulent charge again, again and again ( three times ). XX/XX/XXXX I found a fraudulent transaction from XXXX ( {$XXXX} ) since I have never signed up or used their service, I called Bank of America and they closed out the card # XXXX issued me a new card # XXXX and on XX/XX/XXXX they credited my account for {$XXXX}. XX/XX/XXXX XXXX charged me again and I called Bank of America and the agent made a three way call to XXXX and XXXX credited me on XX/XX/XXXX. XX/XX/XXXX Fraud Dispute charged me {$XXXX} and I called Bank of America and explained the situation and the agent credited me back on XX/XX/XXXX. He told me XXXX has refunded BOA. XX/XX/XXXX Fraud Dispute charged me {$XXXX} again and I called Bank of America, the agent told me since XXXX refunded me they had to charge me back. She disregarded the fact that XXXX has charged me twice and only refunded once. I requested to speak with a supervisor and the supervisor XXXX told me they needed to close out the card to credit back. She issued me a new card # XXXX and credited me back on XX/XX/XXXX. The entire phone call lasted almost two hours! XX/XX/XXXX Fraud Dispute charged me {$XXXX} the third time, I called XX/XX/XXXX and explained the whole story again to an agent XXXX and then to Supervisor XXXX in Arizona. He told me the case was in the claim department and I would get credit by the statement closing date which was XXXX XXXX. But this was not true as they have never credited me back. I filed this complaint for the following reasons : 1 Bank of America allowed an unauthorized transaction to occur and this was the second time. ( The first time was in XX/XX/XXXXwith the same account. ) And this time they are not making good on their terms " {$0.00} Liability Guarantee ''. 2 Every time they change a card number I have to update all my payment information. 3.Bank of America sent me total 4 letters telling me why they needed to charge me but none of the letter has a name that I can contact. And every phone call take more than an hour! In summary these are the transactions on my statements : XXXX XXXX charged XXXX XXXX Fraud dispute credited XXXX ( closed out card and issued new one ) XXXX XXXX charged XXXX XXXX XXXX refunded XXXX XXXX Fraud dispute charged XXXX XXXX Fraud dispute credited XXXX XXXX Fraud dispute charged XXXX XXXX Fraud dispute credited XXXX ( called XXXX closed out card and issued new one ) XXXX Fraud dispute charged XXXX XXXX called XXXX XXXX ( supervisor ) in AZ said this case was in claim dept and they would credit back by XXXX statement closing date. But it has never credited back.
Product: Student loan

Mishandling of Student Loan Refinance by SoFi and XXXX  Details of the Issue : On XX/XX/XXXX, I initiated a student loan refinance with SoFi to pay off my existing loan serviced by XXXX. On XX/XX/XXXX, I received notice from SoFi that the refinance was funded. However, when I logged into my account on XX/XX/XXXX, I discovered that my old loan had not been paid off. Instead, both loans were showing as active : XXXX. The prior loan, serviced by XXXX, with a balance of {$100000.00} and a monthly payment of {$1000.00}, remains active despite the refinance.

2. The new loan, originating from SoFi, has a balance of {$100000.00} with a monthly payment of {$820.00}.

This error has effectively doubled my debt and both accounts are accruing interest.

I immediately contacted SoFi and XXXX on XX/XX/XXXX, to resolve the issue but was met with ineffective and circular responses from their support teams. I subsequently sent letters to both companies detailing the issue and demanding resolution. 

On XX/XX/XXXX, I received the following response from XXXX : " We have not received any refinance payment for your loan sequence XXXX. Typically, funds can take up to XXXX business days to be received after refinancing. XXXX only services loans for SoFi, but we are not involved in the refinancing or loan funding process. '' XXXX  response fails to address the fact that it has been more than XXXX business days since the refinancing process was initiated, and the error persists. SoFi has yet to provide any meaningful response or resolution. 

Summary of the Problem : - XXXX continues to report the prior loan as active, with a balance and accruing interest.

- SoFi has not ensured the refinance process was completed correctly, resulting in duplicate loan balances.

- I am now being held responsible for two active loans, both accruing interest, which is financially damaging and highly stressful.

Relief Requested : 1. Confirmation from SoFi and XXXX that the refinance payment has been applied to the correct loan and that the old loan is closed with no remaining balance. 
XXXX. A full explanation of why the refinance process failed and assurance that this will not negatively affect my credit or financial status.

3. Immediate correction of any inaccuracies in my loan balances, interest accrual, and monthly payment obligations. 

This mishandling of my refinance is a violation of trust and proper servicing practices. I request the CFPB to investigate this matter and ensure these organizations rectify their errors promptly.
Product: Credit reporting or other personal consumer reports

I submitted via the CFPB my FTC identity theft report on XX/XX/XXXX, and include the items which needs to be deleted. TransUnion responded on XX/XX/XXXX. Please see attached transcript. I am mentally challenged or a liar to submit a FTC report that is not true. This is an insult! I am going to retain counsel.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern I am challenging the incorrect information with XXXX where all XXXX Bureaus XXXX, Equifax, and XXXX have clearly violated the law and have put on my credit report that the account has been verified but still have not provided any details on how it was. The account is being reported as a Charge Off and by law, you can not collect on a charge-off account nor report it monthly. 
I contacted all XXXX bureaus XXXX, Equifax, and XXXX as well as XXXX. Well, the law states that with a charge off a company can no longer collect on the debt because they wrote it off to the IRS. This is a cancellation of debt. I received a 1099 C in the mail and had to file this with my taxes. I then know that you can not report income to the credit to my consumer report. All reporting agencies prepare a consumer report and shall follow reasonable procedures to assure maximum max of possible accuracy of the information concerning the individual. This is inaccurate information and I need it deleted immediately.
Product: Mortgage

Every day I receive harassing phone calls from Bank of America, Collections Dept. regarding when I will send in my mortgage payment. According to my mortgage agreement my payment is due the first of each month and late after XX/XX/XXXX. I make the payment between the XXXX - XXXX of each month. I want all harassing calls from BoA to stop now!
Product: Debt collection

Reached out to Aldous & Associates numerous times. Last time I called, they admitted to receipt of my payment of {$78.00} received in XX/XX/2023, and then said that I owe a new amount of {$280.00} as a separate account that I never owed. I've disputed this numerous times, it's been removed from my report, and then they have re-added this account to my report once again. Each time it's added, it reduces my XXXX XXXX, prohibiting me from leasing new apartments and applying for new credit with ease.
Product: Money transfer, virtual currency, or money service

I recently sent money through PayPal to a person I was buying a shirt off of and has now blocked me on the app we contacted through and I would like to get refunded the money I sent.
Product: Credit reporting or other personal consumer reports

Subject : Final Notice - Dispute of Unauthorized Collection Account on My Credit Report Dear Sir/Madam , Subject : Urgent Alert - Challenge of Illegitimate Collection Entry on My Credit Report Dear Sir/Madam, I am writing to follow up on my previous correspondence dated XX/XX/year>, in which I disputed the following collection account on my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act ( XXXX ) : **Creditor/Collection Agency Name : XXXX XXXX XXXX XXXX **Account Number : XXXX **Outrageous sum : XXXX XXXXXXXX **Date of Account : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX 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

PORTFOLIO RECOVERY ASSOCIATES has aN ACCOUNT ON MY CREDIT THEY REFUSE TO REMOVE OR DELETE.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of dispute, particularly in light of the recent CFPB lawsuit, highlighting significant issues with the platform. Despite using Zelle numerous times and reporting the discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that receiving lost funds was important in that tracking these transactions was unfeasible the CFPB findings indicate that Zelle has not only neglected to protect consumers, but has also allowed repeat offenders to exploit the system leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and it raises serious concerns about consumer safety.
Product: Vehicle loan or lease

I have a XXXX used XXXX XXXX XXXX financed through credit acceptance. I got it in XXXX of XXXX. 
In XXXX XXXX I had paid 2-3 months at once at they were placed under the interest rate instead of my principal. I started to have difficulties paying on it since I was having health issues, and employement issues due to health related problems. I was unable to work causing me to be behind on payments. They were helpful and understanding with that. I told them multiple times I am not paying it due to not having the previous issue fixed. They have called multiple times throughout the year of XXXX. I have told them several times when they called I wasnt going to pay them until I had what I had already paid to them fixed. Now with the new lawsuit stating that the interest rate that I have of 22 % and people are being pressured into loans like myself. I would like to know what to do about it and how it is going to be fixed. I am due to pay over three times what my vehicle is worth. I am unable to find a dealership or car lot that will even accept it for a trade due to it being overpriced. Currently the trade value being XXXX XXXX  and my payoff amount is XXXX my loan amount is XXXX. Just would like to be able to let others know what to expect from this company. Also would like to go by getting out of this loan without hurting my credit.
Product: Mortgage

I bought my house for {$250000.00} and currently owe {$230000.00} on it. I realize that I do not have 80 % equity to remove the PMI, however I am confident that my house will appraise for {$330000.00} which will give me the 75 % equity that LoanCare requires in order to remove the PMI. On XX/XX/XXXX, I emailed the escrow department at LoanCare stating that my house recently appraised for {$330000.00}. I asked if I could submit that appraisal report or if I needed to order a reappraisal through them. I received an automatic response that they would get back to me within 5 business days and that my reference number is XXXX 

On XX/XX/XXXX, I called LoanCare because I did not receive any follow up within the 5 business days. Customer service rep # XXXX apologized for this and said that he would make sure that someone wrote me back by the EOD on XX/XX/XXXX.

As of the morning of XX/XX/XXXX I still have not received any correspondence so I called LoanCare again. This time they said that they guarantee a response by XX/XX/XXXX. The customer service rep said that I would receive a denial or acceptance to remove the PMI. I explained to her that I do not currently have 80 % equity in the house and would need a re-appraisal. She said that I would have to wait to get a denial letter and that would explain how to file the paperwork for an appraisal. 

I feel LoanCare is purposely making me wait 30 days before helping me remove PMI. In addition, I am upset that they never followed up within 5 days as their automatic email reply stated. Also, both customer service reps told me something different so what is the real policy?
Product: Student loan

To cut down my loan faster, i wanted to do XXXX things 1 ) make bi-weekly payments and 2 ) put additional money each month into my loan. They said they could n't do the first, and then to do the second, i 'd have to MAIL a LETTER with a check and an explicit request to put the extra money into the PRINCIPAL. I complied, but when the money showed up, it went into my interest, not PRINCIPAL. There needs to be more regulation in this field to stop banks for figuring out how to maximize their profit. I got an education, not a Corvette.
Product: Mortgage

On XX/XX/XXXX I called PNC branch in XXXX, NJ to lock my HELOC and was quoted 5.54 %. I was advised I would need to sign a document and never received it. We assumed that the rate was locked since the call was on a recorded line and the quote was provided per fed regulations. XX/XX/XXXX we saw that the rate had jumped and our statement showed the rate had not been locked as agreed. We called the branch who told us that she was not able to assist us and transferred our case to a customer service representative. He told me that because we didn't pay the {$100.00} fee that PNC charges and didn't sign the document ( we never received ), that the lock was not placed and therefore we would need to pay the higher rate. To date, our rate is 2 points HIGHER than the rate we were quoted on XX/XX/XXXX and still climbing. To date, we have still NOT received the document needed NOR the {$100.00} fee applied by the bank. We just want the rate we were quoted to be honored. We placed it on a recorded line with the branch manager. She gave us the rate quote and the terms of the rate as required by lending guidelines. However, after that the rate was not locked and is now costing us HUNDREDS of dollars in excess costs as they have not resolved this and keep stating that it's our fault. 

They explained the fee and the form that needed to be signed are only a PNC overlay and not an industry standard. We feel that their delaying of locking and resolving the issue is predatory and would like assistance to get our rate locked at the disclosed and quoted fixed rate of 5.54 %. As of today, we are Still not resolved. We have made several calls to PNC and are " escalated ''. We have not missed any payments and they have an automatic draft for the payments to come out. This is not fair to consumers and the overlay they have should NOT prevent a rate lock from occurring when it's recorded and quoted and in the file that we requested the lock appropriately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a lease of 36 months with GM Financial that ended on XX/XX/XXXX. I was never late an a payment. In fact, I was on auto pay for the entire lease. I returned vehicle timely and I was told to wait for a notification in the mail for additional charges if any. I received a letter in XX/XX/XXXX stating the vehicle was inspected and a bill would be coming through. On XX/XX/XXXX I receive a notification from XXXX  credit that my credit had been impacted for a missed payment. Immediately I contact GM Financial but I was unsuccessful. I tried multiple times but the lines were busy due to the Covid-19. I remembered I had online access and logged back in. My account showed an amount due {$690.00} but I didnt know what it was for since I never received a bill. I noticed the website had my old landline number so I changed it to mobile number. The next day I get a call from GM trying to the debt. I explained why haven't I received a bill. The rep said, she would mail. I asked her why did they report me as late when I never knew I owed. I asked to speak to a supervisor and she said they tried contacting at a number on file. I said, if you were not successful why didnt you send me correspondence via regular mail. She stood her ground and yelled at me I was late and the negative reporting would remain. I told her money is not an issue, I can pay this but I need to know what I'm paying. Three weeks later still have not received bill. However, XX/XX/XXXX I tried paying but I was on hold for over 1 1/2 hours I hung up and called again. On XX/XX/XXXX I was able to make the payment over the phone but I paid blindly only to settle the debt and stop negative reporting. I have disputed the negative reporting of 30 days missed payment with the XXXX  and it comes back the same. I really need assistance in clearing up this matter. It is unfair large companies take advantage of individuals. I feel helpless trying to keep my credit corrected for negligence on GM financial for not sending me a bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

I accessed my credit report XX/XX/2022 and realized there were multiple inquires on my account that I did not authorize. Ive reached out to XXXX, XXXX, and XXXX on numerous occasions about this matter and was directed to call the those who inquired about my credit. I then reached out to CBNA, and XXXX XXXX via telephone and written letters. I never gotten an explanation or a response for that matter pertaining to this situation.
Product: Debt collection

XX/XX/XXXX {$360.00}, XX/XX/XXXX {$730.00}, XX/XX/XXXX {$420.00}, XXXX {$590.00} I called them to see what it was because I didn't even know who there where. Tired to tell them that it wasn't me and they still trying to say it was me and that if I didn't think it was me that I need to go to the police department and file a identity theft report that would be the only way they could help me. When I'm telling them they address they have on file is not even the address I was living at. And to explain to them that the accounts where closed and they still saying I have to pay and the they trying to say I seen two doctors in one night that's how I have two of the same dates up there. Which I know I didn't go to the emergency room on the dates that they are talking about.
Product: Debt collection

This company has sent no validation/ contract showing that I owe {$120.00} despite me requesting it. They have also refused to provide proof that they own this debt and have the right to collect. After speaking directly to the original creditor on XXXX and confirming that I do not owe, it still has not been removed from my credit report.
Product: Money transfer, virtual currency, or money service

I applied a job offer which ended up being an impersonation of a company named XXXX, they sent me a mobile check via email which I deposited into my bank account XXXX Bank of America ) which was suppose to be used to buy my equipment for this job. One was {$950.00} the other was {$1000.00}. A day after, the money showed into my account and I then was forced to XXXX 2 people who stated they would be the vendors I would " get my equipment from ''. I XXXX 2 separate times one for {$950.00} the other for {$1000.00}. After that I found out that the checks they gave me were FAKE, counterfeit and the individual I was speaking to on XXXX chat ( XXXX XXXX ) had scammed me, I tried to have these scammers send my XXXX my money back but they did not give it back. I made a claim with my bank about the counterfeit checks and submitted a claim in the XXXX Department. Both have failed to do anything to get my money back. Now I am in dire need of getting my money back because this is a very unfair way of things. The Claim number on file with the bank and XXXX is : XXXX
Product: Credit reporting or other personal consumer reports

I have inquiries with XXXX credit bureau that I did not authorize and do not recognize. I need them removed immediately. 

Each unrecognized/unauthorized item that is on my XXXX report are listed below along with the inquiry dates : SYNCB/AMAZON ( BANK XXXX XXXX INQUIRY DATE ( XXXX XXXX, XXXX ) SYNCB/AMAZON ( BANK ) - INQUIRY DATE ( XX/XX/XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I made a request to look at and have my credit report mailed to me. Although I was able to be take a look I wasnt able to have it mailed to me. I saw that on my report there was serveral inquiries STILL on my report after I disputed it with the cra saying they dont belong. I was told that my disputes was frivolous, which made me feel very inhumane. How can you say that when you know all the things this report is use to obtain. I cant apply for a home loan because of this not a car loan because all the inaccurate information on my report. Inquires on my report has been furnished without my consent and has no permissible purpose which is a direct violation of 15 USC 1681b ( c ) ( XXXX ) ( A ) ( B ) ( i ) ( XXXX ). Remove every inquire on my report that is not connected to an account. I also noticed that a collection account has been reinserted on my report without verification nor letting me known which is a violation of the FCRA. Investigation reports must included sources of interviews of family and friends which it did not and is a violation of the FCRA. Also I was never given a chance to direct information on my credit report which is also a violation of FCRA, 15 USC 1681a ( XXXX ) ( A ) ( XXXX ). This CRA has violated my privacy by furnishing private information about me without my consent or lawful authority. With this inaccurate information on my report I have not been able to be approved for any personal loan to help my family situation. It has caused me so much stress and sleepless nights. Ive been trying to get them to understand for months with no response. It is not fair to have to go through this when it is not my fault and no one gets in trouble for it. I will not stop until they suffer for causing me and my family such pain and suffering. It is not right and I as a consumer dont deserve to be treated this way and lied to nor lied on.