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

On XX/XX/2020 two separate transfers were made from my savings account into a closed CD without my permission or knowledge. The CD account where the funds were transferred to matured in XXXX 2020. I noticed the two transfers from my monthly statement and immediately contacted Bank of America. The representative I spoke to stated the funds were transferred to the closed/matured CD account and could not locate the funds. After multiple visits in person at a local Bank of America branch as well as numerous hours on the phone, they have not refunded the money stolen from my bank account. Attached is an internal email sent from a Bank of America relationship manager to other Bank of America employees asking for help on the matter. 

The two transfer amounts : {$1500.00} {$1300.00} Claim numbers they gave me : Claim # XXXX Claim # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was included in the equifax data breach in 2017.
Product: Consumer Loan

I dispute that I authorized as a co-borrower on this loan. Furthermore, I have never received any notice of any bill, neither have I ever received any correspondence with regard to late or other adverse actions regarding this loan.
Product: Debt collection

I went XXXX XXXX XXXX on XX/XX/XXXX and the emergency physician is XXXX XXXX. I received a bill in the amount of {$800.00} where XXXX was billed incorrectly opposed to XXXX XXXXXXXX XXXX. I contacted the XXXX XXXX XXXX aka XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX about the mix up. 

They told me that they spoke to someone named XXXX at XXXX and she told the XXXX XXXX that it was paid on XX/XX/XXXX and the XXXX XXXX thereafter sent a duplicate claim on XX/XX/XXXX which was denied due to it being a duplicate claim. 

It was then sent to a collection agency by the name of On-line services in error and I started receiving harassing phone calls and having issues with the collection agengy damaging my excellent credit and dropping my score. contacted XXXX back and they stated the EOB was needed. I sent the EOB ( explanation of benefits ) via email to a manager at The XXXX XXXX by the name XXXX. 

The manager called the XXXX XXXX Claims Dept to get the original ck #, needed the EFT. Told me it would show paid with the XXXX XXXX but has failed to remove off if my credit which originally should not have been put on my credit due to their mistake of filing with the wrong insurance company. 

I am demanding that the entire debt not only show as paid but removed off of my credit completely and my credit score points restored. I was in the process of purchasing a home and my score has dropped 26 points because of their negligence. Your immediate attention in this matter is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft fraud. I have discovered which is not mine, which I would like to immediately dispute and have investigated.I have no idea of any of these accounts. Please review this and remove this as soon as possible.
Product: Checking or savings account

I have a Wells Fargo Checking account which i have a credit card from Wells fargo attached to if in case of overdrafts. For Years i have been charged an overdraft fee plus the overdraft and it would be charged to my credit card which has a high interest rate. only to have a deposit come through immediately after that that would have covered my charges. I work in the XXXX XXXX and this whole process would be a conflict of interest if i was involved with this process. recently due to Pressure from Class action law suits i got a letter stating that they would reverse any overdrafts if deposits came in by XXXX the next business day. so i gave them the benefit of the doubt because it seemed like these fee vultures where changing there ways, then 2 days ago my account went negative they pulled mone and the fee from my credit card, a deposit came in they reversed the Overdraft form my Checking account but not form my credit card, i had to call them this morning an threaten them and they reversed the credit card charge and the fee. I am now interested in getting all of my fees and charges that where not crediotied back to me over the years. Im sure that i'm not the only one having this issue..
Product: Mortgage

To whom it may concern On XX/XX/2019, my father and I went to see a property located at XXXX XXXX   XXXX XXXX house. Our agent XXXX XXXX was not available at the time, but he told us to show his card to the seller agent. We saw the house and we had conversation with the seller agent XXXX XXXX. Ms. XXXX then reported that the seller is in the process of getting another house and the lender is XXXX XXXX from Contour bank and the seller want the buyer to use the same lender. I told Ms. XXXX that I am pre-approved from XXXX XXXX however she insisted and said that I must use XXXX XXXX because that is what the lender wants. She then texts me the lender XXXX XXXX business card and the loan options and told me to call her. 
We liked the home, and, in a way, I was forced to use this lender, so I called her. Ms. XXXX confirmed that she is doing the seller other house loan and she is going to make sure the seller has a strong buyer and therefore I was referred to her. I gave her documents she needed. On XX/XX/19 she said there is a problem with the house that I currently own at XXXX XXXX XXXX XXXX XXXX, NY XXXX. She said Your pics on the XXXX listing looks like one of the units or entire home is vacant and no one is living there. When were trying to make a case that two families are moving out of a two-family house. This in not a good Look. I told her that XXXX XXXX XXXX XXXX XXXX, NY XXXX is my current primary residence where also my parents lives. I also reminded her that I have given residency verification documents already for me and for both of my parents ( driver license and utility bill ). I also explained the picture that was posted for the listing was old pictures that was used from previous owner. She then told me that I did fraud and she will deny the loan based on the picture that was posted on XXXX. 
There are few things that are my concern. The lender is also the seller lender and looking after seller interest. I have provided documents that I live in the XXXX XXXX XXXX XXXX XXXX, NY XXXX house. MsXXXX XXXX did not offer any other options and took it personally and was to quick to conclude that I am denied the loan based on fraudulent documents, XXXX listing pictures and she called me a liar ( without having any evidence ). Her action was nowhere professional, and I was confused if she represents the bank, seller agent interest or her interest. Also is there any chance to get a fair loan from her? My agent XXXX XXXX also reported that the seller agent knows confidential information which XXXX, Ms. XXXX shared with her ( breach of confidentiality ). 
I have good credit and all documents that I provided to her was legal and with her directions. I dont want her unethical practice, unfair judgement to affect my credit records or future purchase of home. At this moment XXXX dont want the loan ( I did not sign any paperwork with her ). 

XXXX XXXX
Product: Credit card or prepaid card

On XXXX XXXX I signed a contract with XXXX XXXX and charged my down payment of {$4100.00} for work to be done on my home in the spring. I was in constant contact with the contractor as to updates on my materials and job. Im XXXX he claimed that due to covid, the materials were delayed, but it would be soon, probably XXXX. I had no reason not to believe and kept in contact. XXXX came and went and he told me he was in contact with the supplier and my patio door manufacturing was holding up the project again, no reason to question this because this has been a common occurrence with everything due to covid. I was in weekly contact with him up until the morning of XXXX XXXX when he was XXXX XXXX XXXX XXXX XXXX. We later found out that he never ordered the supplies, defrauding me out of my down payment. I used my credit card as a means of protection for this type of reason. I have text messages and emails to prove all of this and have sent it all to my credit card. They are saying it was not in the allowable time frame but i could not do that because i had no idea i was a victim of fraud and no reason to file a dispute until his death and subsequent investigation that proved this. The company is still in business as hiXXXX XXXX XXXXs the other agent. She will not respond to any of the customers and has begun selling off the office equipment. I respectfully request that the amount be charged back to ehe business. He used XXXX to complete my card purchase.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Original Debt from XXXX XXXX of {$1200.00} it statesXX/XX/XXXXThis debt was originally from my ex-wife. She opened an account without my permission while I was XXXX serving on XXXX XXXX. I found out about this debt in spring ofXX/XX/XXXXa year and a half after our legal separation. In the divorce proceedings this debt was awarded to my ex-wife and she is responsible for the repayment of the debt. I sent this information to XXXX XXXX XXXX in the summer of XXXX. I had received no word and upon checking my credit report it is still listed. I called today, XX/XX/XXXX and was informed by a representative that they do not honor divorce decrees with debt settlement.
Product: Credit card

I have a dispute with Bank of America on how to calculate the variable interest rate for XXXX XXXX XXXX ( XXXX ) charged to a Credit Card Account ending in # XXXX. 
We both agree the contractual rate for any XXXX on the Account is calculated using the " index '', the U.S. Prime rate as published in the XXXX XXXX XXXX with a margin of XXXX. 
We disagree on whether interest rate charged to the Account increases or decreases as the XXXX XXXX XXXX fluctuates. Bof A contends the rate is fixed at the time of the transaction - the XXXX XXXX XXXX. I contend, per the contract at page XXXX of XXXX, " How to Calculate Variable Rates '', quoting the contract verbatim - emphasis added in brackets : " An increase or decrease in the index will cause a corresponding increase or decrease [ note the disjunctive ] in your variable rates [ plural ] on the first day of your billing cycle .... " The Credit Card Agreement goes on to explain, again, quoting the contract verbatim : " An increase in the index means you will pay [ mandatory ] higher interest charges and will have a higher Total Minimum Payment Due. '' Simply put, the interest charges may go higher. BofA asserts the interest charged can only go higher but NEVER lower. The U.S. Prime has indisputably gone down, but Bank of America will not re-calculate interest rate charges to reflect " the decrease in your [ consumer 's ] variable rate ''. 
I believe our dispute centers on how to read a credit card agreement written by the Bank. 
I believe the contract must read as a whole construed according to applicable law. If the APR for a XXXX can go up, it certainly can go down. This means the consumer should be paying LOWER interest charges when the XXXX Prime Rate goes DOWN per the express terms of the Credit Card Agreement. 
Even if Bank of America is correct and the APR for the XXXX will remain permanently at XXXX - the rate is unconscionable - it amounts to a penalty rate not reflecting market conditions when the XXXX Prime goes down, but only accepting the variable rate when the U.S. Prime Rate goes up - penalizing the diligent consumer who has not defaulted. 
I seek a recalculation of the APR for any XXXX when the published U.S. Prime Rate went down and the balance on the Account corrected. 
Respectfully Submitted.
Product: Bank account or service

In XXXX 2015, Chase Bank sent us new debit cards containing an embedded chip. They are connected to our joint personal checking account. The new cards, however, had different XXXX numbers from the original cards they were meant to replace. 

We found this change extremely inconvenient since it would require us to change all of our automatic payment settings ( XXXX, XXXX XXXX, many online merchants such XXXX, XXXX, etc. ). We asked for new cards with the same account number. The Chase representative said that was indeed possible. 

Chase sent us new cards bearing the chip, a new expiration date and CVV code, but with the old original XXXX account number, just as we requested. 

Yesterday, as I attempted to check out at a local XXXX, my debit card would not work. I immediately called Chase, but got an hour and a half 's worth of the runaround ( the " system '' says the card has been cancelled, etc, etc., ad nauseam ). 

Chase was able to reactivate the card for long enough for me to complete my XXXX purchase, after which I went directly to my Chase Bank branch. 

My personal banker saw on his computer display that my debit card did, indeed, have a cancellation alert in bright red letters. Neither he nor I could understand why my wife 's debit card has no such alert, even though it went through the exact same replacement and re-replacement process. 

I believe that whoever arranged to have the same-account-number cards sent to us caused my wife 's new card to remain valid until its XXXX expiration date, but neglected to permit my card to be used beyond yesterday. Yesterday, it turns out, was the date the non-chip-bearing card would expire had I ignored Chase 's XXXX 2015 letter. I did not ignore it. 

Apparently the " system '' still thinks I am using the no-chip card when, in fact, I am carrying a now unusable chip-bearing card. 

Without borrowing my wife 's valid card, I am unable to withdraw cash at an ATM nor make any purchases. 

Chase refuses to override its " system '' and no XXXX there is able to think outside the box. 

This is absolutely the worst customer " service '' I have ever experienced anywhere. 

Can you help straighten Chase out?
Product: Mortgage

Hello I did a forbearance from XX/XX/XXXX XXXX XXXX for Covid-related matters All dates of communication are listed below. 
Oceanside Mortgage Loan XXXX. XXXX Nearing the end of my forbearance. Oceanside reach out to me because I was then just starting a new job. I advised that I would go into my IRA and bring my mortgage current. The person I spoke with was adamant that no dont do that we will work with you on Loss mitigation and I told them I dont want youll try to take my house, I advised this server Al times and was promised no that is not what we will do. About a month later I received a letter from an attorney stating there was a foreclosure started on my home. I called Oceanside again and advised I ask them specifically because I did not want a foreclosure to lose my home. I asked why several times why would youll tell me no we will not do that and did it anyway costing me an additional XXXX XXXXXXXX in attorneys fees. I feel wronged in so many ways that I tried to avoid unnecessary fees and they went behind my back to file the foreclosure again which I tried to avoid. I had a XXXX in XXXX and I can not complete complicated paperwork and I told that lady that also. 
Loss mitigation XX/XX/XXXX foreclosure was closed XX/XX/XXXX start of the approval XXXX was advised no notes are on my account during XX/XX/XXXX LOSS mid XXXX LOSS mid XXXX Loss mid XXXX inbound XX/XX/XXXX inbound XXXX inbound XX/XX/XXXX inbound XX/XX/XXXX outbound XX/XX/XXXX outbound XXXX outbound XXXX outbound did not make through to me XX/XX/XXXX same as above XX/XX/XXXX inbound All the above dates are in XXXX I would like my fee back and yes I have been back on track paying early and extra each month as I advised earlier when all this started. Please help I feel discriminated against and wronged.
Product: Credit card or prepaid card

On or around XXXX XXXX, 2020 someone charged fraudulent purchases to my Lowe's/Synchrony account. The charges were promptly reported and the account cancelled. During the course of transferring my balance to a new account, a Lowe's/Synchrony representative appears to have transferred one of the fraudulent charges ( {$360.00} ) to the new account at an interest rate of 26.99 %. I have repeatedly called Lowe's/Synchrony every month for the past five months and have been passed from department to department trying to get this resolved. They have repeatedly cost me time and money! Contemporaneous with the filing of this complaint Lowe's/Synchrony has charged, billed, and cost me {$580.00} because of their negligence to date. I have complained to customer service repeatedly ; however, it always ends up with one department blaming another department and transferring my call to that department only to be redirected back to the department they just transferred me from.
Product: Credit card or prepaid card

I had a charge on my credit card through indigo and it put my credit limit to the max, my XXXX score dropped XXXX XXXX and my XXXX dropped XXXX XXXX .I did not make this transaction I contacted indigo and they cancelled my card and sent me a new one, I can not have this fraudulent transaction drop my credit score, im trying to buy a house, yours truly
Product: Checking or savings account

We received a business loan in our business account, the bank restricted the account without informing us to which we paid our drivers and other expenses with the understanding our funds were available. After a visit to the bank I was informed to wait 2 business days, 10 days later I called only to find out funds were frozen and the acct is negative XXXX!!! No communication, no message nor did we get a letter of any kind, our company is literally shutdown waiting on the outcome of their investigation but no one called us or gave us a heads up to contact the lender.
Product: Credit reporting, credit repair services, or other personal consumer reports

You continue and are persistent in maintaining erroneous reports and accounts. I have contacted original creditors that I settled accounts with, no contract exists and when an account or debt is settled it can not be sold or reported again. 


According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical  verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX {$920.00} XXXX XXXX {$900.00} XXXX XXXX {$850.00} XXXX XXXX {$150.00} XXXX XXXX {$150.00} XXXX XXXX
Product: Credit card or prepaid card

I AM VICTOM OF AN IDENTITY THEFT AN THE THE FOLLOWING ACCOUNT HAS BEEN OPENED WITHOUT MY CONSENT OR MY KNOWLEDGE, SOMEONE STOLE MY INFORMATION AND OPENED THE CREDIT CARD. I NEED THIS FRAUDULENT ACCOUNT TO BE REMOVED FROM MY CREDIT REPORT. THANK YOU
Product: Credit reporting, credit repair services, or other personal consumer reports

Total credit card not reporting payments to credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

After disputing certain accounts/items on my Equifax credit report I received an email when the dispute results were ready stating that I can view the results online with a confirmation number & a link to go to. However, every time I log in to check the dispute results I get this message " We are currently unable to process your request! The information you have provided does not match our records ; therefore we are unable to process your request online. 
Please try again later or contact us directly to check the status of your dispute. 
We apologize for the inconvenience. '' After receiving this message I have called multiple times to find out what information doesn't match their records and they never know what the problem is and all my information matches what they have in the system. They then just try to read me the disputes without any proof or written notification. They do not allow results that are online be mailed to my address either. So not only can I not view my results online and save for my own personal record, I also can not request a hard copy be mailed to me address. A few times an Equifax customer service rep has even suggested to " just try again later '', which is completely unacceptable and unprofessional.
Product: Payday loan, title loan, or personal loan

This company operated in the guise of being a part of Tribal community and assumes immunity from State and Federal Laws. They are not registered as a lender in Colorado, my home state and thus any loans that they advertise or disburse are illegal. ( CO Statute 5-12-1-3 ). Their interest is exorbitant and are over the usury laws of the state and I am sure Feral as well. 
I sent them an email to cease and desist on XX/XX/2022 and in response they sent me a letter pretty much stating that they are above the law and that they don't fall within the state or federal financial oversight. They have violated my cease and desist and again contacted me via email and voicemail on XX/XX/2022. 
For {$500.00} loan they charge an 447.7555 % APR and with Finance charges of {$2500.00} their total payment balloons to {$3000.00}. If this is not predatory lending then I don't know what is. With no oversight companies like these are openly praying on the vulnerable and practicing unscrupulous lending practices in guise of a tribal entity. Put a stop to this.