23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

HiI received a notice that my account had fraudulent activity and they were issuing me a new card : see notes belowATM/debit card ending in XXXX XXXX XXXX, We 're letting you know your ATM/debit card may have been part of a compromise at an undisclosed merchant. This does n't mean that fraud has or will occur on your account. However, as a precaution, we issued you a new card that will arrive soon in a Bank of America ( R ) envelope with a XXXX, Delaware, return address. 
Please activate your new card as soon as you receive it. And, keep in mind : Your current debit card will deactivate on XXXX/XXXX/2015 or when your new card has been activated, whichever comes first - If you have an ATM-only card, it remains active until the deactivation date regardless of when you activate your new card Your PIN and checking or saving account numbers are unchanged. 
Your security is important to usAs always, your card comes with {$0.00} XXXX XXXX which means we 'll credit fraudulent charges made with your card back to your account as soon as the next business day, if promptly reported to us. 
Also, your new card now has new chip technology that provides stronger security when used at a chip-enabled terminal. For more information, visit bankofamerica.com/chipcardfacts. 
We 're continuously monitoring your card ; however, if you do notice any transactions you did n't make, please call us at XXXX. 
I have overdraft on my account and and i informed this back two days ago that I needed to make a large purchase today. They put a hold on the overdraft funds from my savings account and I ca n't also access my regular funds from savings. I verify the transaction to the fraud department and I was told by the fraud department to wait XXXX hours so that the hold will release. I was able to get out XXXX and needed to get out XXXX in total. I do not believe they have any justification to hold my funds nor apply it to my account if I have overdraft which I just took off my account today. XXXX the supervisor in customer service just helped me after I informed them I was making a complaint the XXXX. 

Kind Regards, XXXX
Product: Mortgage

I started working with XXXX XXXX ( NMLS # XXXX ) of XXXX XXXX back in late XXXX of 2020. I paid for an appraisal for my home, in the middle of processing my loan he switched companies, told me he couldn't transfer the appraisal to his new company. He did not offer to give my loan to another person at his former company, which meant I had to get a new appraisal with the new company. He originally quoted me a rate of 3.125 with his former company, but when the loan was about to close the rate went up to 3.75. Because of his bait and switch tactics I decided to not go through with the loan and now he is threatening to send me to a collection agency if I don't pay for the second appraisal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX the natural person continue to be a victim of fraud upon the US DEPT. OF EDUCATIONXXXX, XXXX XXXX OK unauthorized use of personal information, damaging and willingly, my character and privacy overall. I have sent in numerous complaints and fraud and theft reports regarding this matter and this loan servicer.. for the record US DEPT XXXX OF EDUCATIONXXXX, XXXX XXXX XXXX had no permissible purpose, thus my written consent to report on my consumer report, for the record. For the record, US DEPT. OF EDUCATIONXXXX, XXXX XXXX XXXX has been in investigation far over 60 days with the CFPB as well as third party credit bureaus such as XXXX and XXXX XXXX.US DEPT . OF EDUCATIONXXXX, XXXX XXXX XXXX continues to appear and reappear, This is by far a violation of my Constitutional Rights. US DEPT. OF EDUCATION/XXXX, XXXX XXXX XXXX Is an account opened fraudulently, thus without my written consent to report in regards to COLLECTION a debt pursuant to 15 U.S. Code 1681 B. 15 U.S. Code 1681 ( a ) ( e ).
Product: Debt collection

Never heard of this company before and do not have a Contract with them.
Product: Payday loan, title loan, or personal loan

I 've advised Discover of the financial situation I am in. If I 'm just one or two days late the calls start up.. at least 4 times a day m-f.. I 've told them I 'm aware of the situation and would like the calls to stop. I 'm assuming they are robo calls.
Product: Credit card or prepaid card

I was assessed a late fee by Bank of America on a personal credit card. The late fee was assessed onXX/XX/2021. Automatic payments for this account were set up, weeks prior to the payment due date, to be withdrawn from my personal checking account. At the time of the late fee being assessed, my personal checking account had XXXX XXXXn funds availability. The scheduled automatic payment amount was XXXX, to be drafted on the due date of XX/XX/2021 (and all subsequent months, on the XXXX). The bank's own website shows the auto payment service as "ON" and confirms the amount and date of the withdrawal monthly. When I called and spoke with customer service on XX/XX/XXXX, and subsequently a customer service supervisor during the same call, I was told that the bank's system often makes these sorts of errors and that this can occur for up to two billing cycles. Even after acknowledging this fact, the bank informed me that the fee was "properly assessed" and would not be refunded. In my mind, the bank knows that this is a common problem, yet refuses to implement a solution and resolve my issue by indemnifying me of the XXXX  late fee. When I asked for the reason why the fee wouldn't be refunded, I was told by the supervisor XXXX  that she could not tell me and referred me to a "Credit Analyst" at the credit reporting bureaus for further information. This issue has nothing to do with the credit bureaus, and everything to do with the bank's operations, yet Bank of America has skirted this responsibility and won't even provide me a reason as to why they won't correct their own error. I can only assume this is a pervasive issue in their systems and can only imagine how many millions of customers they have done this to, all the while refusing to correct the problem. I am not sure what the rationale for declining to refund their own error was, but at this time I cant rule out discrimination or any other reason.
Product: Checking or savings account

XX/XX/XXXX I filed a dispute over the phone and over the phone I told the agent that I did not have my card, but she put I did have my card and I got denied funds. I got a letter thru paperless on mobile banking, so I called again XX/XX/XXXX and filed the same dispute and while over the phone I specifically said I did not have the card. Agent heard me this time and he said, ur dudipite will be under review and if you don't hear nothing back from us in XXXX  days then you will be given credit. 

So I waited the XXXX  days and I didn't receive nothing, so I called back asking where my credit is like XXXX times the days after the XXXX  days came up and they all said they will put a note on my account, a note to let the investors know. So a week pass I called again and another representative told me that it was only supposed to be XXXX  days and he said same thing about the note... so I waited still nothing. And now they just closed my account. It was over XXXX I lost.
Product: Money transfer, virtual currency, or money service

I did send Zelle to company trying to get a delivery service to my apartment from their website, the had a link to send Zelle instead of using my card so I did that using Zelle through my XXXX account. My delivery never came even though they said it would be about XXXX mins. I contacted them at the time to see what was going on and they said the payment never went through, I was confused cause it was taken out of my account. I told them that, and they told me that the bank put a hold on the money I tried to send and it will reappear in my account the next business day. That was a lie and they had me resubmit the Zelle and still nothing came. I paid {$370.00} twice and as it got later in the night I realized I might have been scammed. I called my bank to resolve this and they told me there was nothing they could do about it. About a week later the website that I tried ordering from for my custom cake was not working almost as if someone took the site down so then I really realized that it was a scam. I fought with my bank for weeks to try to recover my money and nothing was ever resolved and I honestly felt powerless at that point and felt like I needed to give up.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting everything has to be 100 % accurate on my credit report. 
The credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate and the date last reported is inaccurate. This is ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1981 section 604 A. States a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA, ( XXXX, XXXX, XXXX, ) have violated my federally protected consumer rights to Privacy and confidentiality under 1681. According to 15 U.S.C 1681b ( a ) ( 2 ) I DID NOT give Anyone written permission to furnish these accounts to my credit profile. I have the list of Accounts that I will post here! ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) I amAttaching identity and proof of address. Also, there are inaccuracies reporting to these accounts.
Product: Vehicle loan or lease

I purchased a vehicle in XX/XX/2021. Global Lending Services was my loan provider. I set my payments to be automatically debited on the XXXX of every Month, 2 weeks prior to the due date. On XX/XX/XXXX, I traded the car in and purchased a new vehicle. The payoff amount quoted at the car lot is the quote they were paid. On XX/XX/XXXX, Global Lending debited my account for a {$480.00} payment erroneously. I contacted the company and was told it would be deposited back to my account once they received they paperwork from the car dealer in 10 days. I called back again on XX/XX/XXXX and was told that I had to wait on them to process the paperwork and a paper check would be sent out the week of XX/XX/XXXX. I called the company on XX/XX/XXXX and was told the checks were sent out on Thursdays which would have been XX/XX/XXXX. Now it is XX/XX/XXXX and I call the company and I am being told that my check will not be mailed until XX/XX/XXXX. This is really ridiculous and totally unacceptable.
Product: Credit reporting or other personal consumer reports

I do not live at one or two address that is being reported also phone numbers that is being reported on my reports as well.
Product: Checking or savings account

Bank of AmericaXXXX account XXXX i call then many time more then 20 times, i when to the breach over 10 times, its almost 6 over months the hold my money after closed the account with no reason
Product: Student loan

I took out a loan to be able to study for my XXXXXXXX XXXX in XXXX for {$15000.00}. It began to be paid in XXXX and I am being charged a penalty amount to such a point that being in XXXX I still owe {$12000.00}. Every month they increase my payment amount. Payments started at {$180.00} and are now up to {$230.00} every month. When I enter the application I see that they charge me 2 interests, the first of XXXX fluctuating month to month and the second of about {$130.00} fluctuating month to month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX XXXX XXXX company and deal with all the major mortgage companies including XXXX  XXXX XXXX, which I have a least 10 loans. The homeowners ' insurance for 3 of the XXXX XXXX XXXX loans came due XXXX of XXXX. The insurance was paid by me in XXXX of XXXX. XXXX  XXXX XXXX requested evidence of insurance for said properties shortly thereafter. My agent and I both faxed evidence multiple times throughout the following months. XXXX  XXXX XXXX continued to request evidence of insurance and we continued to supply it. XX/XX/XXXX, I uploaded evidence of insurance to the website XXXX  XXXX XXXX provided and received confirmation emails of receipt. XXXX XXXX XXXX placed a lender-placed policy on one of the loans and changed the payment. I continued paying the normal payment every month, knowing I had provided evidence of insurance. I had to finally in XXXX go to a branch office and have them fax and email evidence directly to someone in the insurance dept. It took several months to get everything back to normal, then in XX/XX/XXXX, a business banker I deal with notified me my credit score had been hit 3 times for non-payment on 1 of the XXXX  loans and had reduced my credit score by 100 points. XXXX  XXXX XXXX has charged me inspection fees, late fees and hits on my credit due to there not processing my insurance correctly. Throughout XXXX, when I would contact XXXX as a follow-up, they would have no records of me contacting them the last time, which might only be a week or so previous. They said they investigated and found they had done nothing wrong. It makes no sense, why would I not provide evidence when I clearly paid for it, why would I not pay only one of the many loans I have, and why did they not address the confirmation emails they provided.
Product: Credit reporting or other personal consumer reports

Name on account was wrong birthday and SSN were correct, but information was stolen and charged when I was not the one to do so. 

Company was called multiple times and sent me to collections for an amount that I did not owe, after calling and speaking to them multiple times, they told me they would close the account in XXXX of XXXX. The account went into review and they said it would be 60 days and that a letter would be mailed out stating the account on my credit report may not be mine and was under investigation so that I could get a loan I was needing. The letter has not made it here and it has now been over 20 days since I requested it. They stated they were not able to send a digital copy even though the XXXX call was the third one to the company. 

Company has still not contacted me, but has convinced the TransUnion credit bureau of the accuracy of the account, even with the internal investigation of their own still pending. 

XXXX Credit bureau was able to take the charge off status off of my report, but it seems there needs to be more information sent to TransUnion, although I can not provide it because the company has not sent me any information on it and the National Identity Theft Reporter is not enough for TransUnion, or XXXX XXXX.
Product: Mortgage

Per my previous complaint ; I requested actual statements from XXXX, XXXX, and XXXX to reflect the mortgage balance before, during, and after the partial claim payments were made by HUD to BMO that were to be applied to my mortgage. BMO replied by sending me a copy of my publically accessible partial claim agreement ( that I provided to them ) along with some end of the year tax documents for a few years. Up to last week, I have still made numerous requests for my actual statements and BMO has not been able to provide them, and claim that they can not find them. The information I have requested are my XXXX, XXXX, and XXXX actual mortgage statements. This has NOT been provided, nor has it been shown the payment from HUD was actually applied to my mortgage balance. ( The reason for requesting these statements ).
Product: Credit reporting or other personal consumer reports

I have been trying to get help with this issue for over XXXX year. A previous creditor " XXXX XXXX '' continues to provide erroneous information in regard to my credit report and they refuse to update my report with accurate information. On my report you will see that in 2018 there was a bankruptcy listed on my credit report. XXXX XXXX was actually apart of the bankruptcy so they are well aware that they are breaking the law by continuing t report the account as charge with continuous lates still to this day. This is drastically affecting my credit and has caused sever unrepairable financial harm. 

XXXX681n, or negligent non-compliance, 15 U.S.C. 1681o. Claims of willful non-compliance carry possible statutory damages of {$100.00} to {$1000.00} per violation, attorneys ' fees, and unlimited punitive damages.

I am also instituting my rights under FCRA 609, I would like all documents related to this account. I am entitled to all documents related to each item, including each original credit application and contract containing your signature. 
Attached you will see proof that they willfully followed the bankruptcy order and then started to report the erroneous information consistently for the last XXXX years. 

The accounts in question are XXXX XXXX account number XXXX, this account should be reporting XXXX owed and no lates. 

Furthermore, you will see the list of previous disputes attached and also proof that they are purposefully reporting erroneous information. 

You will see that you have failed to respond on several occasions to an appropriate investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

My First & Last name are as follows : XXXX XXXX My XXXX XXXX Address is as follows : XXXX XXXX XXXX XXXX, SC XXXX After reviewing my credit report, I have found numerous inaccurate names, aliases, and addresses that do not belong to me. I want to ensure that you are only retaining and reporting true, current, and accurate information on my credit report per FCRA regulations and I demand, as my lawful right, for any names and addresses other than what I have listed above and below be removed immediately as they are not accurate and untrue. 

My current address is : XXXX XXXX XXXX XXXX, SC XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : This letter serves as a formal complaint that Update Late Pmts to Bureaus XXXX, Trans Union, and XXXX you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payment is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation date and balance whether reported or not. XXXX XXXX XXXX l also respectfully request to be provided specific proof that these alleged late payments were in fact late. It is my understanding that you must verify these items with the reporting creditor for accuracy. If they are unable to provide that proof, or if lacking proof of these payments being late, please update my payment history to PAANL status ( Paid As Agreed, Never Late ) according to consumer protection laws. I also request that you send the description of the specific procedure you use to determine the accuracy and completeness of the information. I know this must be provided within 15 days of the completion of your reinvestigation. XXXX XXXX XXXX accordance accordance with the fair credit act # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. XXXX  15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end 362 consumer credit plan as late for and purpose 15 USC 1681 S- 3 : ANY REPORT CONTAINING INFORMATION SOLELY AS TO TRANSACTIONS OR XXXX EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORT with the fair credit act # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. XXXX 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end XXXX consumer credit plan as late for and purpose 15 USC 1681 S- 3 : ANY REPORT CONTAINING INFORMATION SOLELY AS TO TRANSACTIONS OR XXXX EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORT Thank you for your time and help in this
Product: Debt or credit management

I completed the agreement and closed the account in 2018. The company continued to use my information without my knowledge to debt buyers until recently when I opt out privacy information involving my personal information, which caused damage towards my credit score, and personal life.
Product: Debt collection

Portfolio recovery is currently trying to collect a debt from me. My credit report is currently reporting three different days last active. 

XXXX XXXX XXXX XXXX XXXX XXXX I know this can not be right, As the day it was last active, would affect the day it would naturally fall off. 
I have sent portfolio recovery many certified letters trying to get this removed from my credit report. Now they are no longer responding to my letters telling me I have already complained about the same thing prior. They said they would not do an investigation.
Product: Debt collection

During a routine credit application, I learned that there is an outstanding default judgment from XXXX in XXXX in the amount of {$4200.00} filed by XXXX XXXX XXXX on behalf of XXXX XXXX XXXX. I did not live in XXXX XXXX in XXXX. I moved to XXXX XXXX in XXXX and sold the house in XXXX XXXX. 
The lawsuit shows service performed at my old XXXX address, four years after I moved away. I was never served, never given a chance to respond to suit, and never made aware there was a default judgment. Now this is harming my ability to get credit. XXXX XXXX claims to have no knowledge of who holds this default judgment and XXXX XXXX XXXX was purchased by Co-Op Financial services. Co-op Financial Services also claims to have no knowledge of this judgment.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, Ad Astra Recovery Servic add a derogatory marks on my credit reports per XXXX, XXXX  and XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA Ad Astra Recovery Servic has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my account settlement in full and the collection company is not willing to delete my account from the bureaus. Other companies either delete after paying in full or have claimed the same that they do not delete but do in fact delete when a CFPB complaint is filed. its not right to the consumers who faithfully pay there debt in full hoping to clear their bad credit history in order to regain their life back. And the average person doesnt even know about the CFPB. So they stay stuck with the bad history. Its just not right for companies like these to not delete just because they choose not too. And we wonder why there is so much poverty and homelessness in the community. Something needs to change ... ... ....