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

I've been back and forth with Bank of America to get off CRA XXXX XXXX. I am a XXXX XXXX veteran and showed BOA the proof of being so and why I made the mistakes that caused my account to go negative. That account is now paid off I will upload to you the proof I sent to them which they did not consider. ( although they lied and said they " may have '' considered it ) They sent me a letter saying the bank will keep their choice to keep me on CRA. I just got off the phone with XXXX XXXX XXXX as I am working with them. No referrals, please. I don't owe Bank of America a XXXX. It was a small mistake that was fixed when I had a debt with them which is now ALL PAID OFF. This is bullying and extortion.
Product: Mortgage

Please accept this Requests for Information under XXXX wherein I am requesting documentation relating to the request made to CoreLogic for the payment of Real Property Taxes, to the XXXX XXXX County Tax Office for property the address of XXXX XXXX XXXX XXXX XXXX, NC XXXX  for years ; XX/XX/XXXX, Bill # XXXX in the sum of {$13000.00} on or about XX/XX/XXXX and XX/XX/XXXX, Bill # XXXX  in the sum of {$11000.00} on or about XX/XX/XXXX. Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX.
Product: Vehicle loan or lease

We paid our car off on XXXX and Ally sais we still owe {$300.00} for late fees. When I paid {$1100.00} that was for 2 payments and the late fee that we didnt even owe. We had some late fees but not that much. The 2 payments were {$420.00} + {$420.00} = {$850.00} + $ XXXX {$1100.00}. Ally is saying we still owe the {$300.00} and is holding our title ransome. I have attached several papers showing. 
In XXXX we got behind because we needed extra money for XXXX. We did not get caught up until I paid the {$1100.00}. The first balance was {$1100.00} ( which I should have paid that, didnt want to over draw my bank ) - {$1100.00} = {$11.00}. But then it popped up that the balance was {$14.00}, so I paid that and then they reversed the payment. 
XX/XX/XXXX I tried to make a payment and they reversed it, then I paid the {$1100.00} on the XX/XX/XXXX. They also reversed the payment of {$14.00}, but I kept trying and finally it went thru. 
My complaint is that they are holding our title ransome and saying we owe {$300.00} and until we pay it they wont send us the title. Also, they have charged us lates fees that were not due.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under XXXX XXXX. XXXX when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

Capital One 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 instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

When we struggle its often because we can not obtain credit as you people and this particular instance we believed derived from the Equifax breach. in XXXX I received notices og being placed on the dark web.and XXXX 's paid watchdog service told me my information had been leaked on the dark web and not days later did my cards go to default status over the next two. I let all three CRA 's know about three accounts that where completely unbeknownst to me I had filed an FTC Identity thetf. nearly 4 years later I am still sitting here with the same disputed items all related to id theft and Ive wasted 4 yers as a single parent struggling. FCRA laws including rule 605b and [ Codified to 15 U.S .C. 1681 note ] These accounts should be blocked : XXXX {$4600.00} XXXX XXXX {$130.00} XXXXXXXX XXXX XXXXXXXX XXXX  {$1200.00} :.
Product: Debt collection

Company called me at work and wantes to verify it was me and said thus was an attempt to collect a debt. I asked them to remove that number from their list, that i was at work and could not receive phone calls like that at work. I asked them to stop. Gave them an alternate number to contact, don't know what it is about except they are saying a debt. I have no debts in collections according to my credit reports.
Product: Credit reporting or other personal consumer reports

My account with WFBNA HOME XXXX was never late! I have had exceptional payment history witH WFBNA HOME XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/XXXX to XX/XX/XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


WFBNA HOME XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Checking or savings account

This is respond recieved after requesting for services the services are complete and was mistreated in the office We have received your request and reviewed your claim. 
Your claim is : Claim # : XXXX Claim Status : closed Additional information ( if applicable ) : Your claim was not approved because merchant supplies compelling evidence or justification that disputed transaction is valid. You would have to dispute transaction with merchant directly If you have any further questions please don't hesitate to reach out to us.

Thank you for choosing Chase.

Sincerely, The Retail Claims Team
Product: Credit reporting or other personal consumer reports

Bmo harris bank closed my account without investigating properly and put me on a XXXX XXXX  credit report and now it's affecting me opening a account else where When bmo harris bank failed to respond to my issue and never answered my questions and falsely accused me
Product: Credit card or prepaid card

On the evening of XX/XX/2021, I reviewed my Bank of America XXXX XXXX Credit Card and noticed three fraudulent transactions on my card that I did not understand. All three transactions were titled ACH PAYMENT REFUND and dated XX/XX/2021 for {$1700.00}, {$2000.00} and {$1300.00}. In the details, the {$1700.00} was a full refund for my {$1700.00} credit card payment on 4/12/2021.the {$2000.00} was a partial refund for my {$2100.00} credit card payment on XXXX..finally, the {$1300.00} was a partial refund for my {$1400.00} credit card payment on XX/XX/2021. 

I make ACH Payments ( transfers ) from my Bank of America Interest Checking Account directly to my Bank of America XXXX XXXX Credit Card. 

All three refunds were NOT requested by me and the refunds did not show up in any of my Bank of America accounts. However, my XXXX card now shows that I owe an additional {$5000.00} of fraudulent transactions. My suspicion is that the money went into someone elses account fraudulently. 

On XX/XX/2021, I called BOA credit card customer service and after considerable confusion, I was referred to the Credit Card Fraud Investigation Department. The CSR created three requests to review the above ACH PAYMENT REFUND transactions. I was told that they needed 5-7 days to do the review and get back to me. I was also told that someone must have gotten into my accounts and requested partial refunds. The part that makes no sense is that with all the security, alerts and 2 phase authentication, somehow BOA authorized three refunds to be sent somewhere fraudulently. When I called back after 7 business days and again on XX/XX/2021, I talked to 10-15 different people with transfer upon transfer. I was told that it would take 2 credit card cycles to resolve, then I was told 45 days on average and also 30 days. It was apparent that no one had any idea how this would be resolved. To make matters worse, I asked for a problem number or incident number that are typically associated with a problem management system. Unfortunately, I was told that NONE exists. 

One CSR told me that an internal alert was created on XX/XX/2021, a day before the three transactions were posted. I DID NOT receive any alert nor did this alert stop the transactions. To make the situation worse, my son found an exact duplicate fraud issue on XXXX with the same fraud. Please see. 

https : XXXX? XXXX & XXXX & XXXX Finally, I had lunch with a friend a week ago and he told me that he has the same ACH PAYMENT REFUND ISSUE. 

So here I am waiting on Bank of America to resolve the situation. I dont have a great deal of confidence after spending 6 hours on the phone with many BOA representatives.
Product: Debt collection

To Whom It May Concern : I am writing to dispute the debt listed on my credit report under account number ending in XXXX. I recently requested verification and validation of this debt from your company. While you provided verification, I still need to receive adequate validation as required by the Fair Debt Collection Practices Act ( FDCPA ). 

Furthermore, the debt verification documents you sent contain an email address and signature that are not mine. The email address " XXXX '' has never been associated with me, and I have not authorized anyone else to use it in connection with my financial affairs. 

Additionally, the original creditor listed for this debt is XXXX, a company with which I have never conducted any business.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I checked My TransUnion credit report. These hard inquiries on My consumer credit report are inaccurate and in violation of 15 USC 1681 ( b ) ; none of the following companies have or had permissible purpose to access my consumer credit report. 

1 ) XXXX XXXX XXXXXXXX XXXX, XXXX XXXX had no permissible purpose to access my consumer credit report. 

2 ) XXXX XXXX XX/XX/XXXX, XXXXhad no permissible purpose to access my consumer credit report. 

This is inaccurate and unverifiable information please delete immediately. Litigation is pending.
Product: Mortgage

In XXXX XXXX, a little over a year following my divorce, Wells Fargo foreclosed on my home. Local attorneys representing Wells Fargo attempted to collect a deficiency judgment on the property. Because I could not pay the debt, I filed Chapter XXXX bankruptcy because of the consequences of this debt, and I received a discharge of the bankruptcy from the XXXX Court for the XXXX XXXX XXXX in XXXX XXXX. The XXXX XXXX XXXX Court sustained my attorney 's objection to Wells Fargo 's motion for deficiency judgment in XXXX XXXX. 

Wells Fargo purchased a homeowner 's policy for this property in XXXX or XXXX XXXX. Even after the foreclosure, Wells Fargo maintained the policy and attempted to bill me for it. The final cancellation for the policy did not occur until XXXX XXXX, four months after my attorney sent them a letter reminding them of the foreclosure and informing them that I no longer owned the property. 

I continue to get mail from the Wells Fargo Home Preservation Department demanding that I call and speak to them about my loan and telling me that they are attempting to collect a debt. The home belongs to them, their motion for deficiency judgment was n't accepted by the court, and I owe them nothing.
Product: Debt collection

RE : XXXX XXXX Solutions account # XXXX XXXX XXXX XXXX XXXX bought a JUNK DEBT for an account I had filed not ONE, but TWO proper ID Theft reports way back in XXXX and XX/XX/XXXX FTC report # XXXX ( see attached FTC ID Theft Report ). 
About a year ago XXXX began sending me collection notices for the USAA accounts listed on my ID Theft Report. XXXX of XXXX I sent XXXX XXXX XXXX a CEASE & DESIST request. XXXX XXXX  has ignored that request. I do not owe any debt from USAA and XXXX XXXX is harassing me. I am again requesting for XXXX XXXX XXXX to Please Cease & Desist all communications, unless the communication is to inform me they will no longer attempt to collect on the illegal debt and will not attempt to resale the debt to another Junk collection agency. XXXX XXXX   does have a legal obligation to Also for them to conduct a proper investigation and provide me a report of that investigation including the steps they took to investigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have always made my payments on time. For some reason, I realized that there were days of late payment on my credit report and I do not believe I was late on the dates they are reporting. This account should not be showing the current status of late since it's already been paid for. It seems impossible to appear late on an account that has already been paid. This is the account I want to correct and please assist me : XXXX XXXX Balance : {$670.00}.
Product: Mortgage

I recently learned why this year 's XXXX XXXX XXXX annual premium jumped from an accepted premium of {$2100.00} ( XX/XX/XXXX ) to {$2300.00} ( XX/XX/XXXX ). According to the XXXX representative, on XX/XX/XXXX, they mentioned that my mortgagee, Third federal Savings Bank, called XXXX on XX/XX/XXXX and said that our single-family home insurance should be an HO6 policy! Also, interestingly XXXX claimed that no changes can take place unless they first speak with the mortgagor. 
XXXX is the agency that found XXXX for me after I learned that my previous insurer, XXXX, of 2 years increased my annual premium by {$800.00} est ; Previously, our initial insurer, XXXX XXXX annual premium increased from {$600.00} est to $ XXXX. No reason for the tremendous rate increases because no claims have been paid to me by any of the home insurers. I have been associated with XXXX agency for over 20 years and they have found me my home insurer providers. Please investigate this financial harm attempt ; I feel that this is another example that our XXXX has attempted to again cause me financial harm; Please refer to the previously filed complaint about Third Federal not honoring the XXXX loan modification at the end of our last approved forbearance. Also, XXXX is the third home insurance company I have had at our current 19+ year residence. Please investigate if my home insurance premium has increased because of my mortgagees interference. XXXX XXXX should be helpful, because they have my insurance records of the harsh premium increases that forced me to apply and switch to new insurers. Your help in this situation will be appreciated.
Product: Credit reporting or other personal consumer reports

I HAVE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME INACCURATE ACCOUNTS REPORTING.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is not reporting that I have a revolving installment secured XXXX XXXX. I want this problem corrected so that my credit score will reflect as much.
Product: Money transfer, virtual currency, or money service

Please reference case # XXXX. 
US Bank response to this claim has missed the point. Please note that a CURRENCY EXCHANGE WAS NOT REQUESTED. The request entered into the ATM was for a WITHDRAWAL in XXXX DOLLARS. The ATM has decided on its own to perform a currency exchange without notifying me. These 2 cases were handled differently by the ATM from the many previous withdrawals at the same ATM, where no currency exchange was performed, and which is how other ATMs at other banks in the area are handling this.

To summarize : 1. In both dates, ATM performed a currency exchange that was not requested and charged a fee of around {$60.00} for each.

2. ATM did not notify of it's decision. The screens were the same as the usual for a regular withdrawal. 
Please review and reconsider a refund.
Product: Credit reporting or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MD, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX  ( XXXX XXXX XXXX ) XXXX Balance : {$770.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, XXXX, NY, XXXX XXXX XXXX XXXX, XXXX, MD, XXXX XXXX XXXX XXXX XXXX XXXX, VA, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, VA, XXXX XXXX XXXX XXXX XXXX XXXX, VA, XXXX XXXX XXXX XXXX XXXX, XXXX, VA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA, XXXX XXXX XXXX  ( XXXX XXXX XXXX  XXXX XXXX Balance : {$770.00} XXXX XXXX XXXX. XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, FL, XXXX XXXX XXXX XXXX, XXXX, NY, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$770.00XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Credit Reporting act XXXX Account # XXXX, has violated any rights. 

15 U.S.C 1681 Section 602 A. States that 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
Product: Credit card or prepaid card

On XX/XX/2022 at XXXX PM XXXX I received an email alert for a transaction for {$140.00} on my Fidelity Rewards Visa card. I realized that the transaction was probably fraudulent as no credit card was present and only my wife and I have cards for this account and we were both home. 
I immediately looked for my card, which was in my wallet .at XXXX PM XXXX, I called Card Member Services for Elan Financial Services ( the card issuer ) at XXXX from my landline to report a fraudulent transaction. I did not get the name of the woman who was not very helpful and made an excuse to slow response as its the weekend. As we were about to take an 8 day trip from XX/XX/XXXX through XX/XX/XXXX, I asked to speak with a supervisor and was put on hold only to be disconnected at XXXX PM XXXX. While on hold, I received another transaction alert for $ XXXX XXXX PM XXXX. 
At XXXX PM XXXX, I again called Card Member Services from my home line and spoke with someone who gave her name as XXXX, located in XXXX XXXX XXXX put me on hold when I asked to speak with a supervisor. No one ever picked up the line. 
At XXXX PM XXXX, I called Card Member Services from my cell phone as my home line was still on hold. I spoke with someone named XXXX in Kentucky. She was able to confirm that the card was disabled. She also arranged to have new card to be sent to our daughters address in XXXX Co which was near the hotel we would be staying at until XX/XX/XXXX. I was told that the cards would arrive on Tuesday XX/XX/2022. She confirmed the address to which the replacement cards would be sent. XXXX listened to my complaints regarding my two earlier calls and she said that she saw no notes from anyone named XXXX. She did say that someone named XXXX processed both fraud claims at XXXX PM XXXX ( XXXX PM XXXX ) and that I would get a call back from a supervisor by Sunday XX/XX/2022 at XXXX PM XXXX ( XXXX PM XXXX ). The call ended at XXXX PM XXXX. My land line was still on hold at XXXX PM XXXX, so I hung it up. 
On Sunday XX/XX/2022, after not hearing from anyone at Card Member Services, I called and spoke with someone named XXXX XXXX? ) who transferred me to a supervisor named XXXX located in a XXXX XXXX Idaho call center. He claimed that there were no notes from XXXX re getting a call back and nothing about my concerns and complaints. That call ended at XXXX PM XXXX. 
Things only got worse. I was told I would get an email with a tracking number for cards to be sent via XXXX. No such email ever arrived and no cards arrived on XX/XX/2022. I called Card Member Services again. I was told that the cards were sent to my daughters address via regular mail. In fact, cards were sent via regular mail to our home address and we did not see them until we got home after midnight XXXX on XX/XX/2022. 
Other issues and problems were encountered but the above are the most egregious. 
The number of mistakes, falsehoods, inconsistencies and errors is appalling. 
It is virtually impossible to deal with Elan Financial Services. There is no way to get back to a person whom I spoke with and no way to escalate a call above a supervisor,
Product: Credit card or prepaid card

I noticed a charge from Experian. I have never signed up for anything from Experian, nor have I authorized them to make any charges to my credit card. The charge was for {$21.00} and listed a number of XXXX. The company name listed for the charge was EXPERIAN XXXX CA. I got two charges five days apart in XX/XX/XXXX. I tried to call the toll free # & no answer for 32 mins, just advertising about Experian. I tired to advise my credit card company they tell me I have to contact the merchant. So no actions is being done by both the merchant Experian/XXXX or my credit card company. I have tried other toll free numbers I found on the web that also shows FRAUD ALERT : Experian Charging Peoples Cards Without Authorization. 
XXXX, XXXX, XXXX, XXXX, XXXX same response, no representative answers, all representatives are currently busy your call will be answered, etc.