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

I had a joint XXXX credit card account with my husband. He was the primary cardholder and passed away in XX/XX/2016. The account was later closed ( by them ). There was a credit balance on the account, which, as you can see, I did not receive ( see letter ).

Unfortunately, after the account was closed, there were additional payments made to the closed account. I did not realize that my banking system was set on an auto-pay schedule of {$400.00} per month. This was paid automatically, monthly, to the closed account, through my bank. At no point was I notified that these payments were being made to a closed account. They just kept receiving the money - month after month after month, without ever saying anything, whether by letter, phone or other method. 

I have attached a printout of the extra payments that were made to a closed account and which I am due in the form of a refund. As you can see, I am owed is many thousands of dollars ( {$400.00} plus the credit balance that existed before the account was closed ). 

Over the past few days, I tried calling several times, with lots of transfers and customer service reps - including their probate and funds recovery departments. Unfortunately, no one individual  seemed to be able to access all of the information or be able to resolve the problem. It has been very frustrating and I need help. 

Sincerely, XXXX XXXX
Product: Mortgage

On XX/XX/2021 a Tax Disbursement was made to the incorrect property in the amount of {$2200.00}. After receiving a letter in the mail stating my property taxes were not paid I reached out to LakeView to find out what happened. I was informed that the incorrect taxes were paid. Instead of refunding my escrow the original amount they then pulled another {$1100.00} from the escrow account. I have contacted the company multiple times from XXXX to now XXXX. Those that assist see that its not right and {$2200.00} should be refunded to escrow and thats as far as it goes. I got the same answer from management. Nothing has been refunded to this day. I need the {$2200.00} refunded to my escrow account.
Product: Debt collection

I received in the mail. XX/XX/2020 a letter from XXXX XXXX XXXX XXXX, of XXXX XXXX XXXX, XXXX XXXX, XXXX, VA XXXX, claiming I owed {$55.00} and referencing XXXX as the creditor, Total fraud, I don't owe XXXX anything. I called XXXX XXXX AT XXXX at XXXX XXXX  XX/XX/2020 and asked what this was about. She is well trained to spout off a lot of bogus account numbers, code words, and tried to get my personal info, very clever. You should shut these crooks down.
Product: Credit card or prepaid card

To whom it may concern : On or about XX/XX/19 I contacted CapitalOne to inform them of an issue regarding a refund that I was waiting for, in the amount of {$400.00}, from a total charge of {$440.00}, charged by : XXXX, CA XXXX Purchased : Tue, XX/XX/2019 Posted : Thu, XX/XX/2019 Purchased By : xxxxxx Appears on statement as : XXXX XXXX XXXX CA XXXX USA. I received the refund, in the form of a check, on approximately XX/XX/19. In the interim, Capitalone offered to redeposit {$400.00} towards my Mastercard, however they were remiss in disclosing that they would be contacting the merchant or withdrawing {$400.00} from the merchant 's bank. Had they done so, I would have declined to receive the credit. I contacted CapitalOne by phone and spent more than two hours with their representatives, attempting to cancel and withdraw the complaint, and reapply the {$400.00} charge to my account, however they refused to do so. They are forcing me to wait until the merchant responds, even though I have, as the account holder and consumer requested otherwise. This is absolutely unnecessary, and it is harmful to me, as I continue to do business with this merchant.
Product: Student loan

How they came up with the number {$400000.00} that said that I owe which I don't. Also, XXXX XXXX and his friends breached the data in my account until a judge intervened last week. I am requesting that my loans be forgiven according to the law on breaches. Mohelas new web page wasn't even working to enter my account last time I checked. Please delete the loans from my credit report and forgive my loans that were only XXXX, not {$400000.00}. I paid way more payment than the XXXX they said I sent. I have been under several servicing companies since XXXX and the numbers have never been correct. Lastly, they created an IRS offset and took over {$9000.00} in payments they are not counting either. Help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXXXXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXXXXXX XXXX XXXX XXXXXXXX, 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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

My name is XXXX XXXX and I have a checking account with Chase ( JP Morgan ) and I've been XXXX  the last few months with a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX until recently when it was XXXX  removed. Following XXXX  XXXX care I finally got released from XXXX  and sent home. Upon my release I discovered that my cell device, my wallet with all my cards etc inside, and my.keys were all missing. I did exactly as i was suppose to and called and canceled all cards etc and at same time found our of endless fraudulant charges that I did not do nor knew of and disputed all of them. I was asked if I shared my pin with anyone and I said XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX so I'm required to keep all pins and passwords written on paper and with each cooresponding account and it was with my cards in my wallet and it was noted of my issue then I get denied due to the charges where my pin was used they said my pin was used well duh, whomever got my wallet got my pins too. Then I submit medical documents proving my XXXX  visit and also my XXXX XXXX  then I'm denied again reason because my account was accessed by a device again I siad duh my phone was stolen they logged in to the chase app on my phone, again all pins and codes were on paper in my wallet. I have gotten so behind on my bills and my bank thinks this is a game. Help me. Please
Product: Credit reporting or other personal consumer reports

Over the past 2 years, I have had multiple problems with the inaccuracies associated with TransUnion and their less than stellar bookkeeping. Most notably, on XX/XX/year>, I went to XXXX XXXX XXXX to purchase a used car, and the *Dealership* ran my credit to look for suitable creditors that might lend me money for the purchase. There were XXXX total banks and other institutions that were attempted on this singular day, and TransUnion continues to list them all individually as different credit requests by me, even though all were made, by the dealership, on the same day, for the same purpose, within the XXXX week window to be counted as a single credit request. 

All I ask is that TransUnion act legally and cease reporting that I have " excessive '' credit requests when it is their faulty bookkeeping that is truly the issue.
Product: Mortgage

I received a letter from SunTrust mortgage that I was going to be referred for foreclosure unless I paid {$3900.00}. The last payment I made to SunTrust was on XX/XX/XXXXfor {$1000.00}. When I called to set up payments, the agent stated that I could " try '' to make payments, but there was no guarantee that SunTrust would accept these payments. I called the next day ( XX/XX/XXXX ) and asked to speak with a supervisor because I was told that my payment of {$1000.00} was held because I was past due and this payment would not be applied until I brought the account current. I asked the supervisor to apply the payment and to not hold it and he stated that he would not and that my loan paperwork stated that payments could be held until the account is current. SunTrust is not the original loan holder and I have yet to receive a copy of this signed paperwork that I have requested. I have since mailed them {$2000.00} on XX/XX/XXXX and another XXXX today, so the loan is current. SunTrust also calls excessively, sometimes up to 8 times a day and never leaves a message. All agents of suntrust continuously pushed Loan Modification on me even after multiple statements that were made by me that I would be bringing the loan current by the end of the month.
Product: Credit reporting or other personal consumer reports

I have had an ongoing issue with XXXX XXXX long story short they sent me and the person that cosign for a repossession letter and then the next day they denied sending it, then they said that they sent it on accident yet the person I cosign for said that they did Repo the vehicle, and I had a tracker in the vehicle. It was tracked next to the auction yard, I found a police report, the bank refused to take the vehicle, it was released to the tow yard with the Banks permission, the tow yard got some type of a lien on the vehicle and they were able to get the title and the tow yard then turned around and sold the vehicle yet XXXX years XXXX XXXX  has been reporting on my credit and the person that cosign for that weve been behind on payments on this vehicle and that we owe them XXXX dollars and they say that theyre willing to settle the account for {$3200.00} yet they allowed this tow company to get the title for the vehicle and sell it and the tow company got full profit of the money. XXXX XXXX needs to remove this off of my CREDIT and the person I co-signed for XXXX XXXX XXXX XXXX. If XXXX XXXX wanted the money so bad for the vehicle, they should have demanded the money from the tow company instead of putting an accurate information on my credit report for the last couple years, if anything they should owe me money for plummeting my credit score for the last few years by an accurately reporting on my credit bureau, and I have also put in a few disputes on this account with supporting documentation, actually quite a few pieces of supporting documentation and it has remained on my credit because the bank is claiming that its verified. The credit bureau needs to be sued and this finance company needs to be sued along with they need to remove it off of my credit immediately Because again they sent me a repossession letter and then tried to switch up and say that they didnt repossess the car and when I tracked the vehicle, I made the police report because there was damage done to the vehicle and the bank refuse to want anything to do with the car and then they are allowed to tow company to get their own title on it and they allowed them to sell the vehicle so if they wanted the money so bad they should have not refuse the vehicle or they should have demanded that after the tow company sold the car that they give them money for it and XXXX XXXX chose not to do that. This should no longer be my problem and it should no longer be negatively affecting me.
Product: Checking or savings account

On XX/XX/XXXX, I logged onto my account via the Bank of America app and noticed there were pending unauthorized transactions on my checking account. There was a {$2000.00} withdrawal at XXXX XXXX NY and a {$2.00} balance inquiry fee. I immediately called Bank of America who told me not to worry, I'm protected against fraudulent activity. I told them I'm located in XXXX XXXX and the transaction says XXXX NY. The rep said they noticed that as well and not to worry. They'll submit a claim. A moment later, they told me a claim can not be submitted because the transaction is still pending then told me to call back tomorrow. I called back and told the rep about the unauthorized amounts again. This rep also said not to worry, I'm protected against fraudulent activity which is what this definitely looks like being that I'm in XXXX XXXX and the transaction is in New York. They submitted a fraud claim and told me the funds will be back in my account in about 2 weeks. Claim # XXXX was created. On XX/XX/XXXX, I received a letter telling me a temporary credit will be issued. On XX/XX/XXXX, I received a letter stating research is completed and the claim is closed. I called Bank of America, XXXX XXXX then tells me that the claim is closed. I asked him what happened. He says they closed the claim because a card was swiped and pin was used. I told him it was not me. It is fraudulent. We are in a pandemic. We haven't travel outside of XXXX XXXX. I asked if the company was contacted. He said his notes say they did not reach out to the business. I couldn't believe this was the research done on the bank 's end. I informed them of fraudulent activity and the only research done was to check if a card was swiped and pin was used? I told him why would I have a fee charged to my account for a balance inquiry when I can easily log into the app or website or even call the bank of my card to check my balance for free? The rep agreed and noted it doesn't make sense. He also noticed that I was in XXXX XXXX and the transaction is in New York. It definitely looks like fraud. He will escalate this to be reevaluated and to not remove the temporary credit. On XX/XX/XXXX, the bank removed the credit. Bank of America claims to have fraud protection and that they care and understand what's going on but in reality, they don't care and do not protect against fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is only the owner of the vehcile can apply for an abatement XXXX XXXX says they have here we are 5 months later and they lie they have not as of XX/XX/XXXX per XXXX city hall abatement person XXXX # XXXX but XXXX still reported late payments for XXXX to XXXX ruining my credit still saying it is my responsibilty to get abatement it is not the lease was paid off on XX/XX/XXXX i did not own the car inXXXX and they have recd all paperwork several times and several phone calls to fix my crtedit and transunion says all info is verified wrong look at documents car was returned to XXXX in XXXX onXXXX so how did transunion verify wrong info look at the documents not my debt fix my credit back to XXXX fico score stop passing the buck stop listening to XXXX  XXXX call XXXX city hall to verify XXXX has not applied for an abatement as they have said 4 months ago BUT THEY KEEP ON REPORTING ME LATE ON PAYMENTS ON LEASE THAT WAS PAID OFF IN XX/XX/XXXX 2020
Product: Credit reporting, credit repair services, or other personal consumer reports

will state the facts as it appear on my credit report, on XX/XX/2019 a collection account from XXXX XXXX for {$1500.00} was removed from my report per the collector without any change to my score which was at XXXX and on XX/XX/XXXX my score dropped 77 to XXXX for no reason. I believe my score was suppose to go up 77 point to XXXX after the account removal by XXXX XXXX, you can check my score trend to validate my contention
Product: Debt collection

this was opened XXXX XXXX this was my ex husband debt I am not responsible for it and they were told this but they still continue to call my girls about it and tell them they are going to take me to jail.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiry. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiry : XXXX XXXX || Date of inquiry : XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I trying for years to get XXXX to remove a fraudulent wells fargo acc, I have never had a wells fargo acc. they have refused to remove it off my report... It's been on it for 84 MONTHS now I have been trying to get the information removed since XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the accounts I am concerned about XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was never really interested in credit before but now that I am tryna build credit looking at my credit report I noticed there were several fraudulent accounts which includes XXXX XXXXXXXX XXXXXXXX XXXX XXXX also there were XXXX hard inquiries that did not belong to me which includes XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the items was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I was scammed out of my Checking, Savings and reserve line. I had Provsional money added to my account for the amount of {$7500.00}. That is a little less than what I was scammed for. Now they have stated, they are going to reverse it because it was authorized. The scammer scammed and manipulated me into getting gift cards they claimed was an overpayment for renewal service that was done. The XXXX XXXX  did do service 2 years ago and I thought the email was from them and that I overpaid them. It was ALL A Scam. Now the bank wants to TAKE MY LIFE 'S SAVINGS. I've been with US Bank for XXXX yrs and worked for them XXXX yrs. HOW and WHY would I authorized scammers to TAKE MY MONEY. What is FDIC for? I am at retirement age and that was ALL I had. I need help in getting my money back into my accounts. PLEASE HELP..
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been affected by covid 19 disaster and requested a forbearance for card ending XXXX was granted in XXXX over phone and was told that I will not be required to make any payment, contacted them in XXXX and XXXX and was told the same that the account has been closed and put on forbearance, the negative reporting on my credit report was a error by the bank and will be removed., in the month of XXXX I called back and called bank several times phone, email, bank was closed to customersdue to COVID. The mobile app WAS LOCKED BY THE BANK will not let me make any payment, or transfer money from another bank account, OR MAKE ANY PAYMENTS TO MY CREDIT CARDS .Then they put three months late payment for XXXX, XXXX and XX/XX/2020 on my credit report with XXXX & XXXX . 
saw bank Manager Ms XXXX XXXX at the XXXX XXXX XXXX XXXX on XX/XX/XXXX at XXXX XXXX to make the payment and resolve this and was promised that it will be fixed. As I sent an email to Ms XXXX next day the Bank manager went for leave next day for three months as per her email. Their billpayer department accepted that it was a bank error and will be fixed ; I deposited money in my saving account-through teller same day to make payments and the check was put on hold on XXXX XXXX and XXXX XXXX they put another 30 day late payment on my credit report on account ending XXXX. 
They will not answer phone, put on hold for long durations and disconnect once they pick up the phone.This is how the way things have been for several months with Bank Of America.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unverified accounts on my credit reports I had previously disputed. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. The Fair Credit Reporting Act requires you to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. Therefore, I am requesting you verify the items I am disputing at a higher standard than a computer-generated inquiry, or third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain an affidavit sworn under penalty of perjury of verification directly from a person at that source : XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Debt collection

XXXX threatened to seize my assetts and garnish my wages, when I said a judge would allow payments life I was offering to make she said they 'd garnish and seize without it going to court. She said they 'd just take my income since they know where I work. She lied about calling XXXX I told her that has n't been my number for years, she said she 'd left a message. I told her I could prove it was n't my number for years. She told me they would n't agree to payments but we 're going to proceed in garnishing my wages
Product: Money transfer, virtual currency, or money service

date : - XXXX Amount : - XXXX USD XXXX transfer confirmation number : - XXXX I was promised a game ticket through XXXX XXXX XXXX. The money was sent through XXXX through Bank of america to XXXX. I didnt receive the product and as soon as i realized that i reached out to Bank of America saying it is a scam and requested my money back. But Bank of America rejected my request. 

I was given no protection to verify if the XXXX receiver is genuine or fraudulent. How can a customer know if the account is genuine if the bank lets frauds register with XXXX and allow them to scam people? 

Requesting to provide my money back from BOFA. ( XXXX USD ).