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

XXXX : TEXAS XXXX XXXX XXXX  account on my credit report-There are ( 2 ) accounts on my credit report with the same account/case number but different open dates. I have sent 6 disputes by mail and online with supporting documents showing I have only ( 1 ) open case with TEXAS XXXX  and the correct start date along with my payment history and pay stubs with no late payments but no resolution. XXXX states creditor verified the duplicate cases which makes no sense. I cant get a response from TEXAS XXXX on it.. EXPERIAN : TEXAS XXXX XXXX XXXX account shows that the account was opened in XXXX and all late payments in XXXX. I didn't even get divorced till XXXX. The case was opened in XXXX. Again, sent numerous documentation including the judges order stating the date the account/case was opened and payment history showing all payments made on time and started in XXXX. EXEPERIAN states that TEXAS XXXX verifies that the account was open in XXXX even though I have court documents and TEXAS XXXX documents showing XXXX. I cant get any response from TEXAS XXXX. I just need TEXAS XXXX to report my payments history and account start dates correctly. I am not sure what else to fix these errors with XXXX, EXPERIAN and TEXAS XXXX XXXX SUPPORT. I requested for documentation from all XXXX in writing and online showing their verification and method of verification as I had the court orders signed by a judge and TEXAS XXXX case details. I was not provided this in the XXXX disputes that I requested from all XXXX.
Product: Credit card or prepaid card

the bank is not compatible with payments in general but online payments really scares them too much, they continue to block payments for no reason, perhaps a better idea is : citi stay away from internet/the web, and work on the streets only, wth your branches, you are absolutly unable to manage a online banking, there are no possibilieties, that i will call you for every payment that i place on the internet and most importantly the phone is not a legal requirement so if i want/prefer/estabilish>/want/prefer, then i can simply trash the phone system and use only a email account I use a virtual card attached to the primary card for online purchases, with a purchase limit they offer virtual credit card accounts, for 1 time usage on the web, but they donpt trust their own systems on XX/XX/2021, I have plaved the order for {$9600.00} I clicked on the email Sent from citi On XX/XX/XXXX and I confirmed that I made the purchase I responded by email and confirmed the charge was valid, and the block was removed from your account A block was subsequently reapplied on the account which resulted in charges being declined and this time they asked to use their passion, the phone systen, again they block each online payment!! I suggest you to hire a corporate neurologist I DO NOT USE THE PHONE!, WHAT DO YOU NEED TO UNDERSTAND THIS SIMPLE SENTENCE
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I find out I have been a victim on an internet wire transfer. The scammer/hacker intercept a closing and provide wrong wire instruction and money went into a Bank of America account XXXX This was wrongfully wired to a domestic account with Bank of America. Since the discovery of this, XXXX XXXX  has filed a XXXX recall, XXXX against Bank of America for a recall. It's been pass XXXX days and Bank of America has only been responding the case is still under investigation and no additional information has been provided. Both XXXX XXXX XXXX and Bank of America are ignoring to further investigate into this case. Both party are denying information to me. XXXX XXXX from Bank of America responded to the first complaint by stating they will open a new internal case and ask me to provide a copy of the wire transfer and I did back in XX/XX/2022. When I called back to get more information about the case, she stated she has no further information and can not disclose any information regarding the status or when will the case investigation be over. XXXX XXXX at XXXX x XXXX XXXX XXXX from XXXX XXXX XXXX Bank has not responded to my inquiry on the status of recover the fraud wire. When I contact XXXX XXXX XXXX Bank to follow up, XXXX XXXX say XXXX XXXX and their representative did not contact them or respond to the inquiry. Bank of America have ignore and left the case as opening and refuse to cooperate with XXXX XXXX XXXX Bank to resolve this. How can the public trust and be protected if both these big financial institute refuse to resolve client 's issue in dealing with a domestic account? Why is Bank of America allow to not respond to XXXX XXXX XXXX on a domestic wire transfer fraud and leave the case in open for months?
Product: Mortgage

I ( my company ) applied for XXXX loan in XXXX of XXXX. Awarded for XXXX XXXX. Finally closed in XXXX of XXXX. 
My company value is according to their valuation they did was XXXX XXXX. ( which I had to pay for ) They took an abundance of caution on all my properties and XXXX of them they assigned a value and took secondary title position for XXXX XXXX. Which is the total value of the loan. I had to pay title fees for a secondary title position and based upon that value. I was told that the collateral needed to cover XXXX percent NOT XXXX percent. Everytime I try and contact Bank of America they tell me that I signed it, and they were only following procedure. 
The fees I paid for their attorneys the closing, the title fees, and then they made me pay down my loan by XXXX XXXX dollars when I sold that property. And pay an additional attorney fee so they could draft the amendment. Now my XXXX loan is about XXXX XXXX, they adjusted without my approval the payment amount and refuse to allow us to set up the old payment amount as an auto draft. 

Everything about this loan to me is not right. What they presented in fees and what they presented as down payment to what I paid is not correct. 

When they did my loan to cash value on my collateral they used a higher percentage on the initial collateral chart and then when I sold the collateral they used a percentage that was about half of the cash value instead of the original cash value amount making me have to pay XXXX down.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am not liable for this debt with XXXX XXXX, I do not have a contract with XXXX XXXX XXXX, They did not provide me with the original contract as I requested. XXXX XXXX XXXX called me and said I have to pay that debt i told them that I refuse to pay because I am not responsible for this debt, i also told them to send me the original contract with my signature on the original contract that I signed but until XXXX XXXX XXXX proved me with the original contract they have to remove asap from my credit reports. 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 instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Debt collection

I called LVNV Funding, which redirected me to Resurgent Capital Services, on XX/XX/21 at around XXXX XXXX. 

I spoke to a representative named XXXX to ask her to send a letter of verification of this debt, which I have already disputed with the credit card company and it's said to be within " FCRA requirements ''. This debt is not mine. 

XXXX told me of a " cease and desist order '' that was placed on my account and that it had to be lifted before any debt verification letter could be sent. I gave no such cease and desist order and told them to lift it so I can verify the debt. This company illegally put a cease and desist order on my account, without my knowledge, so they can try and sue me for a debt that is not mine.
Product: Student loan

Nelnet reported to the credit bureaus on XX/XX/XXXX for late payments. In the amount of {$9800.00}. This caused a huge negative drop on my credit score during a time that I was in the midst of taking out a loan and then to find out my credit dropped from a XXXX to a XXXX has ruined everything. With absolutely no communication from the lender or anywhere in the world regarding student loan status this has caused a major set back for millions of people. On XX/XX/XXXX my loans were placed back into a forbearance through XX/XX/scrub> 2025. 
I have submitted disputes on my credit reports on XX/XX/XXXX with no change and again XX/XX/XXXX. The information reported to the credit bureaus potentially ruining the lives and economy is outrageous. 
On XX/XX/XXXX I called Nelnet and explained the situation to the representative and she said she understood and assured me that my accout was back to current since the forbearance was approved. I asked about how credit gets reported and she explained that Nelnet reports back to the credit bureaus on the last day of each month ( so that day ) and the information should show up as current when updated. It did not come back as current. 
I also made a {$5000.00} payment on XX/XX/XXXX towards my loan paying more than what was missed and paying off entirely 2 out of the 4 " groups '' that had open balances. On XX/XX/XXXX i also sent an email to Nelnet customer solutions explaining the same information.
Product: Credit card or prepaid card

This has happened twice with making AMEX payments using my XXXX electronic payments. 
My AMEX bill ( {$400.00} ) was due on XXXX XXXX. I scheduled the payment, as I have for many years, to arrive on XXXX XXXX. 
XXXX XXXX transaction register shows the payment being issued on XX/XX/XXXX and that AMEX received the payment on XX/XX/XXXX. AMEX did not post the payment until XX/XX/XXXX and applied a {$29.00} Late Fee to my AMEX account. 
AMEX refuses to accept the blame for the " Late '' payment and refuses to remove the late fee. 
Speaking with XXXX, I was told by their Senior Technical Specialist, that XXXX has been made aware that AMEX has a two-day processing process. This two-day processing is not mentioned on the AMEX payment notification. Because XXXX knows of this two-day process, XXXX moves it's transmission date back two days from the due date. In the case of my complaint, XXXX moved the transmission date two-days back from the XXXX and sent the payment on the XXXX. 
Because AMEX did not accept payment until the XXXX, it therefore took two days for them to process the transaction and posted on the XXXX causing the late fee. 
Proof of payment attached.
Product: Credit reporting or other personal consumer reports

Thats on XX/XX/XXXX I XXXX XXXX a natural person and consumer sent Vice President XXXX XXXX XXXX of XXXX XXXX XXXX XXXX a letter of Instructions attached with a Tender of payment to discharge my account. XX/XX/XXXX XXXX XXXX XXXX replied with a a letter say that they dont except Any Tender of Payment unless its US Dollars. In pursuant to House Joint Resolution 192, Public Law 73-10, UCC 3-104 ( c ) Spencer v. Sterling Bank. The entire taxing and monetary system are hereby placed under the U.C.C ( Uniforn Commercial Code ) TheFederal Tax Lien Act of 1966. XXXX XXXX XXXX XXXX has yet informed the IRS of this transaction. After doing UCC 11 search theres no actual Lien under my name or on my vehicle. The IRS informed me that this company may be doing fraudulent paper work.

This company is attempting to Extort me at this point. 

I am now revoking all Powers Of Attorney, Security Interest and any other obligations I may signed or given this company. I will be attaching an official Notorized Cease & Desist letter along with a Right of Rescission letter. I no longer want to continue doing business with this company.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$3200.00} XX/XX/XXXX XXXX XXXXXXXX {$1100.00} XX/XX/XXXX XXXX {$1100.00} XX/XX/XXXX NAMES NOT RECOGNIZED AN XXXX ADDRESSES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX  - XX/XX/XXXX Equifax, XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX 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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I have a mortgage with Roundpoint. Due to corona virus situation the house is vacant and not collecting rent. I inquired about deferment and Roundpoint offered forbearance with balloon payment after 3 months. This will not help me. I need to add the missed payments at the end of the mortgage or modify remaining mortgage payments.
Product: Money transfer, virtual currency, or money service

I engaged in a transaction via the PayPal platform with a user named XXXX XXXX on XX/XX/XXXX of last year. The details of the transaction are as follows : I sold a XXXX second-hand XXXX television to XXXX XXXX, a local buyer, and personally delivered the item to her address. She transferred {$80.00} to me through the PayPal platform, and the transaction was successfully completed. 

However, six months later ( XX/XX/XXXX ), the buyer claimed non-receipt of the item and initiated a refund request through PayPal. I promptly disputed this claim on PayPal, providing evidence of the item 's delivery as per the agreement.

Unfortunately, PayPal ruled in favor of the buyer, disregarding my evidence, and automatically deducted {$80.00} from my account, along with a {$15.00} dispute resolution fee. This ruling blatantly favored the buyer and failed to consider my rights as a seller.

I believe this constitutes improper conduct on the part of PayPal and a violation of consumer rights. I request that the CFPB investigate this matter and take appropriate action to protect consumer interests.

Thank you for your time and attention.
Product: Credit reporting or other personal consumer reports

On XX/XX/ I mailed a dispute to Transunion. They sent me a letter stating that the dispute doesn't seem to have came from me so they didnt process it. I replied with the letter and advised them that the letter did come from me and to process it, which they DID NOT do. On XX/XX/ I sent another letter and again, it was not processed but they responded with the same auto response. My disputes are not being validated within the 30 days per the FCRA and they have not handled this appropriately.
Product: Credit reporting or other personal consumer reports

I applied for a Destiny Credit Card and the score was XXXX. I need to know how this score was given and I was denied credit.
Product: Debt collection

I recently tried applying for a Bank of America credit card and got a reply that I am declined because I have two delinquent accounts with them, one a fraudulent mortgage from Countrywide that was settled a long time ago through bailouts, I don't understand why they are holding these ancient, obsolete, fraudulent loans against me. The other is a line of credit they claim is called a gold line that I know nothing of I believe it's identity theft and asked for documents and signatures which they did not and said can not produce. They have no documents for either of these debts they claim I owe them. They claim to protect consumers from identity theft and be fair lenders and employers, I'm even an associate on leave with them and have received very poor service regarding this matter. I emailed  XXXX their recovery department and have not gotten any replies, I had to get a manager at a branch to call a manager with customer service to look into it and still haven't heard back and this is after I was endlessly transferred from one division to another over the phone and noone has still been able to resolve this. When you look at my credit report with experian XXXX XXXX  it's all  clean. What can I do to fix this? Bank of America knows well that Countrywide loans were fraudulent and got bailed out for their mistake so I shouldn't be held accountable for that. Secondly as a victim of identity theft how could I possibly have documents on a supposed line of credit I never signed for. They should have the documents and they are asking for me to produce them. That's ridiculous, I've asked them to send me the signed documents and they tell me they don't have them yet hold me accountable? Also they need to do a better job at communicating, I did not know of anything until I tried applying for a card, I never got any communication from them and still they are failing at communicating. Please help me resolve this matter, thanks.
Product: Debt collection

I mailed a certified letter to BAS management stating for proof of the so call hospital or doctor 's office that provided service for a XXXX XXXX. This company email me a bill which is not proof of the hospital/doctor that claimed I had this service done. I do not know of such a service that was conducted in XXXX ( per billing statement ). Also, whomever is claiming this payment never mail me any bill except the bill that BAS management mailed me on XX/XX/XXXX, which is the so call proof. Also, I live in XXXX, XXXX reader is in XXXX. I never reside or visited XXXX for any medical service. Never ... .please assist with resolving this issue. Thanks in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX  XXXX XXXX has violated my rights. 
Account # 's XXXX XXXX XXXX 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 instructions.
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 XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXX Bankruptcy XXXX XXXX  account number XXXX has violated my rights. 

15 U. S. C 1681 section 602 A. States I have 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 instruction. I did not give them written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection of {$2100.00} shows on my credit report is incorrect and false information. Preventing me from housing and loans.
Product: Mortgage

Whenever I pay extra towards principal they seem to apply it to the future month, effectively doubling my interest. This has happened several times this year.
On XX/XX/XXXX at XXXX CT, Ditech 's Customer Rep XXXX, enrolled me in their program to automatically apply any payment that does not match my Regular Monthly Payment to principal.
<P/>
On the latest occurrence, I paid {$5000.00} towards principal on XXXX and my Regular Monthly Payment on XXXX. They deducted over {$900.00} interest from both payments, so now my Principal balance is overstated by {$960.00}. My XXXX payment is due to hit today, so that will just compound the imbalance.
<P/>
On XX/XX/XXXX at XXXX I spoke to XXXX who understood and calculated the same Principal Balance as me ( {$170000.00} ) and said it would be corrected. I called XXXX on XX/XX/XXXX at XXXX and XXXX onXX/XX/XXXX at XXXX because my online balance still has not been corrected. All they do is say that they will submit my call.
<P/>
This company is very unresponsive, not very intelligent and I 'm sure that what they 're doing is illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested validation made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. It should bear my signature showing that I have some contractual obligation to pay these companies. To my dismay, XXXX did not provide evidence. CFPB step up and delete XXXX XXXX ( ORIG CREDITOR : 11 XXXX )
Product: Credit card or prepaid card

I have been a with WF CRD SVC customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payment on the above referenced account ( XX/XX/XXXX ). Since that time I have been an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payment from my credit report. At the time of the late payment, I was in the process of changing jobs. I say that not to justify why the payment were late, but rather to show that the late payment are not a good indicator of my actual credit worthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I applied for XXXX as I need XXXX XXXX. I was denied with XXXX saying the information provided to them by Transunion caused a denial. 
The inquiry on my report is XXXX. 

When I contacted Transunion, they had no reason for the negative rating. I reviewed my XXXX XXXX   account which shows Transunion dropped my score 22 pts saying high credit card balance. My balances are not high as I typically payoff the balances in full each month. I have no negative rated accounts whatsoever. I have reduced all major debts significantly ( mortgages, student loans, etc as I pay extra each month ). 

I need XXXX and financing.
Product: Credit reporting, credit repair services, or other personal consumer reports

bank of america account appearing again on my XXXX  credit file after being removed correctly many times this account is not negative and should just be closedwithout any adverse reporting i have contacted bank of america numerous times and they removed it from my other reports but XXXX  keeps putting it bak on negative
Product: Credit reporting or other personal consumer reports

When reviewing my credit report, I identified fraudulent activity and accounts that do not belong to me. These accounts are negatively impacting my credit score and my ability to obtain credit.