23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

TO WHOM IT MAY CONCERN : I have no knowledge of these following accounts that appears on my XXXX credit report. Im exercising my right under the Fair Credit Reporting Act, Section 609, to request further information about items on my credit report and request under the fair credit and billing act for information on what give the companies the right to collect on these account. I am requesting full validation for the following account names as it appears on my credit report : a. XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX {$2300.00} Account numberXXXX XXXX XXXX XXXX XXXX Original creditor : XXXX {$250.00} Account numberXXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX XXXX {$72.00} ACCOUNT NUMBERXXXX XXXX XXXX XXXX OPENED XXXX {$110.00} XXXX XXXX XXXX XXXX OPENED XXXX {$520.00} I wish to see the original sources of the information reported including, but not limited to, the original contract or service agreement with my signature. If you cant provide me with this information, please remove the accounts immediately as neither your agency nor I can verify that they are reported accurately. Please do not send back to me as its Factual or Updated. This is not proper in the investigative process. Please provide the name and phone number to person your bureau has spoken with. 
Based on the FCRA and FTC Law, all information must be accurate, no errors and verifiable.
Product: Credit reporting

XXXX XXXX XXXX has reported wrong to the credit bureau regarding payments on XXXX of 2013. The XXXX XXXX as well as all the credit bureaus have inaccurately messed up my credit record. This is more than the XXXX time of having them correct this. Statements attached will show that the payments were made on time
Product: Checking or savings account

I've been a client @ Central Bank for over 20 years. A few years ago I noticed I was being charged a {$5.00} mo fee on a free checking account. I inquired about it & was told it was for XXXX XXXX. I tried canceling XXXX XXXX & stopped using it but continued being charged the fee. It took me a few months and many emails & phone calls to discover that I would continue being charged as long as I had any Payees listed on my account. I deleted everything & told them I do not want this service. I felt it was misleading & hard to opt out of. Well last month I noticed that fee has returned. I inquired & was told it was for XXXX XXXX & that I signed up for it 3 months ago. I never used the service again & there were no payees listed in my account. I did not sign up for that service. I can pay my bills free directly from the creditors website. That's what I was doing. They added this service without my knowledge & thought I would not notice the fee for months like the last time. This is a very deceptive practice.
Product: Credit card

Bank Of America listed an offer for the BankAmericard Cash Rewards Card. In order to entice me to apply for this card, the card benefits offered were : {$0.00} annual fee ; {$100.00} online cash rewards bonus offer ; 1 % cash back on every purchase, 2 % at grocery stores and now at wholesale clubs and 3 % on gas for the first {$2500.00} in combined grocery/wholesale club/gas purchases each quarter Calculate rewards Cash Rewards Low Introductory APR offer Show details Cash Rewards Get a 10 % customer bonus every time you redeem into a Bank of America ( R ) checking or savings account. If you 're a Preferred Rewards Cash Rewards client you can increase that bonus to 25 % or more. 

I applied for the card and logged into Bank Of America 's website to check on the card and noticed that I was charged a {$39.00} annual fee. I contacted Bank Of America and was advised by a rep that the they could not remove the {$39.00} fee and that the card also did not include the {$100.00} online cash rewards bonus offer. The Bank Of America rep advised that this was based on a credit decision. 
However, the whole purpose of me applying for that particular cash back card over other credit card offers was because of the {$0.00} annual fee offer and the {$100.00} online cash rewards bonus offer. Bank Of America did a bait and switch, offered services for signing up on the card, then issued the card, and refused to abide by the terms of the offer, arguing that its based on credit decision. Well, I was approved, and in fact issued a credit card, the same credit card I applied for. Therefore, the offers should have accompanied that card. Instead, bank of america ran my credit, reducing my credit score, knowing that they were not offering those benefits on the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I received this letter from the company that my account was closed, I was laid off an un able to pay, then in XXXX or XX/XX/2018, I started getting alerts, that I having missed payments, I said to my self how can this be, the account is closed. So that means someone from the credit card reopen the account, with out my knowledge, I hadn't talk to anyone nor did I sign any papers, and I verbally didn't talk to any to give permission, me as a consumer now this wrong
Product: Debt collection

This company has called me many times during the day, approximately about 10 calls per day and all of them are technically the same phone number, they just change their last two digits. But always call under a XXXX then the last two digits are different. 
I talked to someone who harassed me about a debt. I asked for the validation of the debt with my signature and that representative told me " I can not provide you that since we bought your debt ''
Product: Credit reporting or other personal consumer reports

I the consumer do not have access to the Grain application, it states my application has been cancelled meaning the Agreement between Grain and I has been cancelled. Furthermore I do not have access to Grains Terms of Service, Partner Credit Agreement, and Account Opening Disclosure and there has been no email provided to me the consumer evidencing Grains Terms of Service, Partner Credit Agreement, and Account Opening Disclosure and my account has been closed. Regardless as a Federally Protected Consumer I am now opting out of any and all authorization I the consumer may have giving you by way of Grains Terms of Service, Partner Credit Agreement, and Account Opening Disclosure to disclose any of my nonpublic personal information provided by I the consumer to Grain, any nonpublic personal information resulting from any transaction with I the consumer or any service performed for the consumer and otherwise obtained by Grain. I am now asserting my unequivocal right to opt-out of the sharing of my nonpublic personal information per the Gramm-Leach-Biley Act ( GLBA ) specifically 15 U.S.C. 6802. Failure to honor my Opt Out Notice is evidence of Grain Technology Inc, depriving me of my right to Financial Privacy, as well as depriving me of my right to Equal Protection Under the Law.
Product: Checking or savings account

I deposited my state refund in person into my BoFA checking account on XX/XX/2024 in the amount of {$1400.00}. I was notified later that day by email that the check was being held for 7 days. On XX/XX/2024 I deposited my federal refund in person in the amount of {$5000.00}. I specifically asked what the hold would be on that check and was told and given a receipt that the funds would be available on XX/XX/2024. I was also told that {$220.00} would be available immediately. I was notified again later that day by email that those funds would be held 7 days, including the {$220.00}. Had I been properly notified of these holds according to regulations I wouldn't have deposited the funds with this institution. Now I have no access to my own money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, Both my loans with XXXX XXXX LOAN # : XXXX & LOAN # : XXXX ) were considered past due in XXXX despite the payment coming out of my account on the XXXX of XXXX for both loans. 

This has DESTROYED MY CREDIT without a fault on my own. I have been admitted to the XXXX XXXX XXXX program and need to take a loan for {$250000.00} and was denied because of this issue. Also, I am moving to XXXX with my wife and daughter at the end of this month and won't be able to rent a home to live in with this issue at a high cost of living area ( XXXX XXXX ). I have had +12 years of on time 100 % payments before this issue and an almost XXXX credit for all these years. 

Few issues/notes here : The payments were withdrawn on the XXXX of XXXX versus the XXXX or before despite being on AUTOPAY. Why were they not withdrawn on the XXXX? This is an issue from your end. PLEASE SEE ATTACHED. 
The payments for some reason got sent back to me after. Also, this is not my issue. If this is an overdraft issue, why would the money be withdrawn from my account in the first place? I also am a XXXX account holder with XXXX. 
The payments were made again on XXXX of XXXX. I also called and was told that the late fees were waived and that there will be no further issues, yet, this was sent to the bureas and DESTROYED MY CREDIT I am in no need for help paying for my mortgage, however, I have been sent multiple BLUE packets that went to the wrong address and took a while to get to me ( address is updated on the system ). 
I was not told that the 30 days count from the XXXX of the month rather than the XXXX 
I have changed my auto pay date for the XXXX  of each month to avoid this issue in the future all together. 

I have attached : XXXXXXXX XXXX transactions/date with regards to both mortgages. 
my credit reports over 12+ years The chart of the credit score and the huge loss I incurred XXXX XXXX XXXX  XXXX  letter loan for school program : rejection and reasons for rejection I look forward to your support with getting this taken care of. 

Thank you, XXXX
Product: Payday loan, title loan, personal loan, or advance loan

The interest is extremely high, and was not aware of its extreme predatory nature. The amount of the borrowed money has been paid back already, but is still saying I owe XXXX of the original borrowed balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally Bank report false information to the credit bureaus yes the car was repossess but the car wasn't repossess from my residence or worksite. Ally Bank contact XXXX XXXX aka XXXX XXXX to find the shop to gain repossession of the car. During ligation I was told I can bring in XXXX XXXX in as an third party defendant to find and gain repossession of the car in case docket # XXXX. Ally Bank non-suited the case XXXX XXXX the case docket # XXXX and less than an week later I receive a letter claiming they have the car from the letter was posted dated XX/XX/2021. Ally Bank had the car during ligation and kept it conceal that's basically Fraud. I believe the main reason why Ally Bank non-suited the case is to avoid paying me the {$40000.00} bond for a wrongfully issue " Writ of sequestration '' and to protect their lawyer from the charge of perjury on an sworn declaration. 

Ally Bank is trying to make it look like I put the car in the shop and hide it and they later repossess it. This is false XXXX XXXX hide the car at an shop and didn't me where and Ally Bank later repossess the car by contact XXXX XXXX without letting me know and then file an illegal lawsuit pretending that they never got in contact with him. If Ally Bank refiles then I will remove the case to federal court and counter claim for misrepresentation and fraudulent concealment.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I wrote to Fed Loan Servicing and told them my credit report is showing XXXX XXXXays late in XX/XX/XXXX. I have XXXX loans with Fed Loan, and XXXX out of the XXXX loans are reporting this error. I have provided XXXX, XXXX, and XXXX with a confirmation XXXX XXXX XXXX XXXX from Fed Loan Servicing that includes all loans that went under deferment from XX/XX/XXXX to XX/XX/XXXX. I requested the forbearance due to domestic XXXX I went through, which was filed in the courts, resulting in a divorce. 

This reporting error is literally ruining my credit. I have been turned down for employment and other credit because of this. My last attempt to get this resolved was XX/XX/XXXX and the credit bureaus have changed anything. I honestly believe they are simply not doing their due diligence in getting this removed.
Product: Debt collection

On XX/XX/2018 I was contacted by someone at the company Wilber & Associates saying that unless I paid on a claim totaling {$2000.00} from XXXX XXXX XXXX, my license would be suspended by midnight that night. I almost gave them money but fortunately, I did not have my debit card with me. I later found out that they can not do that and this claim was from XX/XX/2018 where I was hit while riding my skateboard and XXXX XXXX has failed to provide the appropriate information or properly investigate their client 's claim. I am a college student and was seriously injured as a result of this accident. I am willing to work with everyone but not under these extreme threatening tactics.
Product: Credit reporting or other personal consumer reports

Upon careful examination of my recent credit report, I have identified discrepancies that warrant urgent attention, particularly regarding the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The companies have acknowledged this error and has committed to updating the status to closed/never late. Other credit bureaus have already corrected the status of the accounts after the companies recognized the inaccuracy of the accounts. 
I kindly request a comprehensive investigation into these accounts and expeditious communication of the findings via postal mail. According to information available online, such disputes should be resolved within 30 days. Therefore, I anticipate receiving your response within this specified time-frame.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get the credit bureaus to validate these inquiries as I don't recognize any of them. I have requested by certified for the bureaus to send me signed documents from me authorized these inquiries. All I get is " updated/ Factual '' as a result of their investigation. What does this means? This is not evidence or proof. Please have them delete these unauthorized inquiries. 

XXXX  XXXX/XXXX  XXXX  All Banks - non specific Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Personal Loan Companies Inquiry date : XX/XX/XXXX XXXX/XXXX  Complete Department XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Bank Credit Cards Inquiry XXXX XXXX XX/XX/XXXX XXXX/XXXX  Finance Companies - non specific Inquiry date : XX/XX/XXXX 2019
Product: Debt collection

Today I checked my credit report and to my surprised I had a debt in collections from wakefield & associates that I was unaware of. I didnt recieve any communications from this company. I XXXX  and some folks said they tried to contact them via text message. I looked in my text spam folder and they had sent me a text message that seemed like spam so I not seen it until today. I tried calling the number in the text but it is not a legitimate phone number. I have not recieved any voice-mail or letters from this company notifying me of debts. I have no clue what this debt is for. The text message doesn't give an option to opt out of text. I believe this might be a scam and it's now effecting my credit report. This company 's text message doesn't give any legitimate way to contact them and I never opt in to text notifications. I've never spoken with XXXX to verify the debts as I was never given a way to contact them. Also on my credit report this is showing as paid off.
Product: Checking or savings account

My first day of retirement was on XX/XX/2020. I had to return my computer to the company and because of Covid, I could not purchase another laptop from XXXX XXXX. At that time they were not allowing customers in the store, so I purchased the laptop off of XXXX. I used the computer for about a week, when I woke up on XX/XX/XXXX, my screen was frozen and I was advised to call XXXX to correct. I spoke with an individual named XXXX XXXX. He told me that my modem had been hacked and advised me to contact XXXX XXXX to install the appropriate updated software. The update would cost me an additional {$500.00}. 
I spoke with an individual at XXXX who went by the name XXXX XXXX. I paid for the software from my debit card on line. He had told me to close the computer and the software would finish the install. I opened it back up and the screen was still frozen. I called him back and told him that the computer was still frozen. At that time he said they would refund me the {$500.00} because the security install had not occurred as they promised. 
I was contacted again by XXXX who told me that in error he had added an additional zero and that he needed me to send back to them ASAP or " he would lose his job for such a big error. '' He showed me on my laptop that there was a {$50000.00} deposit to my account. Being trusting and not wanting to see him get in trouble I agreed. I went to Bank of America to wire him the funds ( XXXX ) to account number XXXX at XXXX XXXX. Number which he had provided to me. I met with a financial adviser XXXX at the XXXX, CA branch and he wired the money for me. He then spoke with his Office Manager and told her it could be a case of fraud. She tried to recall the wire immediately, but the funds were already gone. When I got on my computer someone had moved money from my savings account, put it in my checking account and withdrew it all. I reported this to B of A fraud department and the XXXX police department on XX/XX/2020. 
The bank said they had 90 business days to make a decision on if they could help me or not. This put me into XXXX. Since I had sold my condo, I was in the process of moving and purchasing a home in North Carolina. I received a letter stating they could not do anything for me to retrieve any or all of my funds. 
Since I was scammed and B of A refused to refund any of my money and I had insufficient funds in my accounts and had to sell my company stocks to have money to live on. What has not made sense to me is they have made me a XXXX XXXX member with the privilege 's associated with accounts with that level of funds. 
I have not had any attorney to take my case or tell me that I do or don't have one.
Product: Money transfer, virtual currency, or money service

Providers. XXXX refuses XXXX  XXXX  credit  after I disputed transaction XXXX  months XXXX
Product: Mortgage

I have owned a condominium development for about 20 years. I have decided to convert the affected property back to private ownership. To do this I must get the approval of all people who have bought parcels and their mortgagers. I have gotten the approval of the only person that purchased a lot but when I or my lawyer or the mortgagee has tried to contact the mortgage company they get no response. The company was originally Greentree but is now Ditech. They are a national company and whenever we call we speak to a person in a different part of the country. If we leave a message they do not return our calls. We have sent them a form that if signed would complete the transaction but we never heard anything back from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX HAS 28 LOANS LIST ON MY XXXX AND XXXX  AND ONLY ONE LIST ON MY EQUIFAX REPORT. REPORT THAT ARE DUPLICATE LOANS. THEY ARE LISTED WITH XXXX AND XXXX. THE ONE WITH XXXX XXXX ARE OK I HAVE DISPUTE THE LOANS WITH XXXX ON XX/XX/XXXX AND ON XX/XX/XXXX THEY CONCLUDE THAT THE ACCOUNT WERE VERIFIED AS ACCURATE AND HAVE BEEN UPDATED TO REFLECT RECENT ACTIVITY BUT HAVE NOT PROVIDED NO DOCUMENTATION OR EVIDENCE. I HAVE BEEN DISPUTING THIS ISSUE SINCE XX/XX/XXXX AND CONTINUE TO BE DENIED. MY NEXT STEP IS TO START LIGITATIONM AGAINST ALL THREE CREDIT BUREAU.
Product: Mortgage

In XX/XX/2020, my daughter and I contacted PNC Bank in an effort to refinance our multifamily to take advantage of lower mortgage rates. This process brought to light exorbitant closing cost fees and prejudicial appraisal practices encouraged by PNC Bank. 

During the documentation process, we came to learn that PNC Bank charges what is considered exorbitant closing cost fees in excess of {$19000.00}. After checking with other institutions, it was confirmed that this amount is considerably high for a residential refinance. 

After a long documentation process, we then endured what we found to be a prejudicial home inspection/appraisal performed by XXXX XXXX, XXXX in which we believed that the property was greatly under appraised based on other recently sold neighborhood comparables. The property was appraised at {$670000.00} in an area in which other comparable properties are valued at $ XXXX {$800000.00}. The property was appraised just two years prior during purchase at {$720000.00}. Additionally, over the two year period of ownership we put in an additional {$100000.00} of improvements into the property. We expressed our dissatisfaction with the appraisal and requested a secondary appraisal be performed. This request was denied. However, we were told that we could request an appraisal rebuttal for which the property could be re-evaluated. For this process, we submitted a number of comparable properties that had recently sold in the area for high amounts. Nonetheless, the comparable properties were simply rejected by the appraisal company and a re-evaluation never occurred. 

For the above reasons, my daughter and I decided to decline the mortgage refinance. A few weeks went by when we received a letter in the mail from PNC Bank expressing that the loan had been denied due to credit denial, not that we had decided to opt out of the loan or that my daughter and I both had credit scores that were over and above what PNC Bank deemed as good scores that were well over XXXX. 

We contacted PNC numerous times to submit a complaint and to discuss the issues. Many attempts to contact the bank went unaddressed. Yet, after a number of persistent phone calls, we were able to get a return call from the manager of the loan department named, XXXX XXXX. During the conversation, she seemed to be explaining a different reason for the denial that did not match what was stated in the denial letter we received. So, I asked her if she had reviewed the letter we had received along with the complaint that had been submitted. Sadly, she had to admit that she had not read them prior to returning my call. How can a manager address a complaint and follow up with a customer on an issue when she has not properly prepared herself?
Product: Debt collection

This account does not belong to me. Have made several attempts to have this removed. At the time of debt I was underage to have even entered into contract. I was told that I was XXXX and could give verbal consent for someone to open a account in my name