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

On several dates I requested the proper adjudication of multiple claims. 
-Several claims were mishandled and not completed as advised. 
-On XX/XX/XXXX BOA Claims Mgr advised I would receive my funds returned to me via check from XXXX claim amounts : {$190.00} {$48.00} {$48.00} {$48.00} {$22.00} -BOA has not disbursed issued my deposit funds after account closure. 
-Claims were not processed or resolved in the proper time frame per California State guidelines. 
-BOA is in violation of the claims adjudication time frame. They keep reopening claims as stall tactics. 
-Claims were not filed correctly resulting in an erroneous denial. Even though proof was provided. 
-On XX/XX/XXXX and XX/XX/XXXX I provided multiple faxed documents requested by BOA to local Bank Center . Was advised claim would be resolved within week. It has been over a month in addition to the the original filing date. 
-Ive made several calls with an Attorney conferenced on the call when Ive spoken with ALL agents. Misinformation, false information, harassment, discrimination and retaliation was witnessed by Legal counsel and BOA employees who were also conferenced on the calls.

-Unethical bank practices -Failure to properly authenticate account when conferenced with a 3rd party merchant. XX/XX/XXXX -On XXXX XXXX XXXX XXXX ( merchant ) was conferenced on call with myself and BOA Supervisor. Sup did not follow proper 3rd party call, she heard the merchant advise they could not honor purchased voucher and to get refund from XXXX XXXX XXXX had violated the agreement between those two. Sup did not document any information, she did not reopen claim as she advised she would and call was dropped and BOA Supervisor did not call back. 
-I specifically requested phone only contact due to my XXXX in presence of my legal counsel. BOA refused to honor that request. 
-BOA claimed they did have Mgt available - On XX/XX/XXXX -I contacted BOA XXXX  times, was passed around, refused service and was spoken to and treated horribly. In addition I had to file multiple formal complaints over multiple days : Complaint ID XXXX XXXX XXXX XXXX XXXX ID XXXX NO mail only XXXX XXXX ID disconnect complaint frm XX/XX/XXXX Req XXXX Belligerent employee ref esc XXXX Acct not authenticated XXXX BOA has violated my Consumer Rights as well as my Privacy Rights. They are in violation of the FOIA Freedom of Information Act.

I am interested in pursuing legal action.
Product: Money transfer, virtual currency, or money service

Hello i am writing to you regarding a Wire Transfer that has not been resolve, i have been speaking to different bankers regarding the issue with not receive the money i sent. Either you fix the issue or someone will not have a job. Your CEO is the worst person who is XXXX and can not keep his finances straight. i sent a a Wire transfer and i want it fix by this weekend. excuse after excuse is what i get from your bankers online and on the phone and in person. 
i better get the money soon because i have already started my process with an Attorney. You had a Technology issue and you made me have to see an Attorney for your mistake, i better have the funds back in my account and stop asking XXXX. Also Wells Fargo had a issue with the computer system and never has been fixed that is money that was wire because of their Mistake then not fixing the issue fast enough.
Product: Payday loan, title loan, or personal loan

I ordered XXXX pairs of shoes from XXXX using XXXX for the first time. It was ordered on XXXXXXXX XXXX XXXX. XXXX has no receipt of this order and XXXX has stopped allowing customers to speak to a live person. Everything has to be done online. I have not received my order and they have deducted XXXX payments from my XXXX XXXX account. I want a full refund or get my order. This is a sham company and I have filed a complaint with them. They responded with an email that someone will ( doubt it ) contact you in 5 business days.
Product: Credit reporting or other personal consumer reports

XXXX a credit company helps with disputes and getting things off your credit report that is hurting it. I joined was not with them long when, I was informed witb there information. That I had all these data breaches. I never knew I had, it was 13 of them I used there protection thing on app that stated that this was identy theft, personal information was involved.
Product: Debt collection

My Payday loan is included in a debt consolidation program i am currently enrolled in. I was told not to pay while trying to settle and that they should not call me at work. They are currently calling me daily at the number listed above.
Product: Credit reporting, credit repair services, or other personal consumer reports

DEAR XXXX! 

I have received your invastigation and I disagreed with it. Some of these inaccurate accounts are only reported through you but not the other bureaus. like XXXX XXXX  NOT IN XXXX. XXXX XXXX ALSO NOT REPORTING IN XXXX. YOU VIOLATED MY RIGHT BY LETTING THESE COLLECTION AGENCIES REPORTING INACCURATE INFORMATION INTO MY CONSUMER REPORT. AS I MENTION BEFORE THESE COLLECTION AGENCIES AND XXXX ARE VIOLATING MY RIGHT AND CAUSING ME MY MENTAL AND SO MUCH STRESS DUE NOT ABLE TO QUALIFY FOR ANYTHING. I AM ABOUT TO BE LIVING IN THE CAR SOON BECAUSE I CANT OF YOU GUYS. I JUST GOT DENIED FOR A HOUSE WITH XXXX XXXX  BECAUSE OF THESE COLLECTION AGENCIES AND XXXX. PLEASE I DEMAND THESE ACCOUNT TO BE REMOVED FROM MY CONSUMER REPORT.
Product: Mortgage

XX/XX/2019 Ocwen Loan servicing 's attorney contacted my bankruptcy attorney claiming not receiving payments for XXXX thru XXXX when I have documentation printed from their web portal showing payments received. They also back date Monthly mortgage statements for the purpose of appearing in default. This company retained attorney XXXX here in XXXX to represent them in foreclosure proceeding and the only thing saved me was the print outs from their web portal showing payment received and next payment due. After using this tool, payment confirmation letter, they removed that feature from their web site. My monthly payment was XXXX including escrow and I paid over the amount monthly. So exhausted over these tactics. They are also changing the escrow balance and always making the account in the negative. I had an expense of {$4100.00} in XXXX thru XXXX when the AC unit died. As a result both the wall unit and the outside unit had to be replaced. I only have liability insurance thru the mortgage company therefore having to pay this expense out of pocket in various payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

I have recieved a Garnishment order, witholding notice, and a false bill of collections in regards to my Child Support and my recently completed Trademark. It is out of state it's dated XXXX XXXX XXXX XXXX dollars. My child support case is in XXXX OR and has been closed XX/XX/XXXX. The paper work is poorly margined inconsistent ink printing the addresses and letter heading is wrong. Alongside with a false pass due bill for my Trademark that was cleared by the UPSTO demanding XXXX dollars. These letters are coming congruently and money is dissapearing from certain accounts in a very sneaky like manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score went down from XXXX  to XXXX. In a day. When I contacted equifax for an explanation they could not give me one. They said that nothing had changed on my report to warrant the big drop. I spoke with a supervisor as well. He also could not advise me on what happen or why. He saw no reason however he stated that they could not fix it. That they are not the ones who handle credit scores. I also submitted a dispute for something on my report that had already been deleted off other credit bureau reports back in XX/XX/2017. I asked for papers with my signature on them as per the FCRA. Those were never supplied to me. Per the FCRA if they can not supply me with the info I requested within the 30 day time from then the things that I disputed have to be removed by law. They did not follow the law as required. This is equifax, XXXX and XXXX. 
They are not following the laws they are supposed to be. They do not understand that not doing their job correctly affects peoples lives in a terrible manner. Some people like me I can not even get a place to live now.
Product: Credit card or prepaid card

Hello I was charged for the month of XXXX {$40.00} late fee and for the Month of XXXX a {$39.00} late fee was assessed to my account. I spoke with someone directly after making my payment and he stated that he will not be able to waive the late fee after bringing my account current. The employee ID number is XXXX. I am just getting over the virus and was shocked that the system would not allow this to happen. Please help me resolve this matter. Thanks.
Product: Credit reporting or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion 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 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: Debt collection

I did not consent to, authorize, nor benefit from the following accounts.
Product: Credit card

Dear Consumer Finance Bureau, I am writing to file a complaint regarding an uncashed refund check from Chase Bank that has not been resolved despite multiple requests for reissuance. 

The details of the check are as follows : Check Number : XXXX Check Date : XX/XX/year> Check Amount : {$99.00} Issued to : XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This check was a refund for the annual fee of my Chase credit card ending in XXXX. The check was voided within 90 days of issuance because it was never cashed. I have requested Chase Bank to reissue a new check on multiple occasions over the past few years, but they have failed to address my request or send a new check. 

I kindly ask for your assistance in this matter and request that Chase Bank be urged to resolve this issue by promptly reissuing the check and mailing it to me at the address provided above. 

Thank you for your time and attention to this matter. I look forward to a timely resolution. 

Sincerely, XXXX XXXX
Product: Credit card

I contacted Walmart Capital One and asked for temporary assistance with my bill. I have never been late once and since the account was opened years ago. I had a medical problem went into the hospital ( have proof Drs note hospital etc. ) I missed one payment and I called as soon as I got out of the hospital with my mother as I was still weak and needed her help. We were told there was nothing I was eligible and had to make the minimum payment off {$490.00} by the next due date XXXX  I was shocked and hurt t the same time and stated I would be filing a complaint to let someone in Corporate know what was going on if they did not know. And to let other consumers know that after missing one payment Capital One would not work with me or credit any late fees. This is truly a punch in the gut to me because I am still not back to work and I can not believe Capital One Walmart has no option to help me on a temporary level. I would like to speak to someone at the Corporate level regarding my concern as this could happen to anyone if they are not rich and get hospitalized.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed inaccurate reporting by Citi Student Loan on my credit report stating that I owe of past private student loans. My records show that I have paid in full these loans. Over the period of the loans, Citi Student Loan has sold the debt numerous times and at the same time continued to report the debt under Citi Student Loan SLC. I contacted the company Citi Student Loan is using called XXXX XXXX XXXX in XXXX FL, they were helpful in accepting that I provide my proof of payments for the Citi Loans. I mailed 8 years of proof of payment which included the attached documents along with my personal bank account statements which showed these payments were made to Citi Student Loan and their Creditors they sold the loans over the years. I ask for a full review and any records Citi Student Loan has that showed I did not pay these loans in full. I received a letter from XXXX XXXX XXXX stating that Citi Student Loan investigation response is that I still owe the loan amount and XXXX XXXX XXXX would continue to report on my credit the amount outstanding under Citi Student Loan name. I was not given any proof that the current reporting on my credit report are linked to the Student Loans I made payments on. I believe Citi Student Loan has sold the loans off and did not receive the payment I have records for and continue to collect and hold me liable. I am yet to hear directly from Citi Student Loans on the proof of payments I have submitted to them and a reconciliation of the loans I paid off. They can not show any proof with the payment I made and how they were applied to the loan and why they continue to show a balance on the Student Loan accounts and reporting the account as charge off collection. These inaccurate reporting by Citi Student Loan has damaged my credit rating and caused me to be turned down by banks, and financial agencies. I am exhausted at dealing with Citi Student Loan and have no other place to turn to get them to correct and fix this error. I only ask that they reconcile the account and show me how my payments I've made of the years were applied to the loans I borrowed and explain why I owe them a balance they are claiming when my records showed I paid the loans off. Since I've contacted Citi Student Loan and can not get them to provide me this information it seems that they are taking part in collection practice that is illegal and violation of the fair credit reporting act. If I could afford to file a lawsuit against Citi Student Loan I would have done so as their response to my letters and their lack of providing proof of the debt and payment I made to Citi Student Loan and its Creditors is something they have yet to provide me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX my husband and I had identity theft and fraud. It was so bad I closed every credit card we had. Then I went in a huge XXXX. I stayed in bed and wouldn't leave the apartment for a 1year. It was terrible what I did to myself. I'm a retired XXXX  of 30 years. And my FICO score went from XXXX to dirt beneath my feet XXXX something. About a year or so I called all my creditors from the XXXX fraud. I set up payment plans with everyone I owed over {$500.00}. Anyone I owed under {$500.00} I paid them off with cash.. Then on XXXX XXXX thru XX/XX/XXXX we had identy theft and fraud again. Therefore I worked with XXXX XXXX  to get all the fraud transaction removed. During that time my bank had to reissue 4 different times a new debit card. The fraud was in the thousands. It was crazy. The fraud happened on the XXXX XXXX line. After our checking account was all cleaned up I purchased XXXX XXXX and XXXX because I was not going to deal with a 3rd time having identity theft and fraud.. Now we are doing catch up..
Product: Credit card

this agency is violating my Consumer rights by using false misleading, misrepresentation, and deceptive means.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXXXXXX Balance : {$1200.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$5500.00} XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX Balance : {$1200.00} XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$5500.00} ( Original Creditor XXXX XXXX XXXX Balance XXXX {$80.00} ( Original Creditor : ) XXXXBalance : {$650.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXXXXXX XXXX XXXX Balance XXXX {$10000.00} XXXX XXXX Balance : {$1200.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$5500.00}
Product: Debt collection

i sent a letter in XX/XX/XXXX asking for proof of account, i never received any documents in regards to the account, and it still reporting on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : The following account is not mine XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

You are allowing a Fraudulent account to appear back on my credit report after you have already deleted it TWICE. The account placed a WRONG address on my credit reports as well! I never lived at XXXX XXXX XXXX XXXX, WY XXXX. Why am I still battling with you to delete the Wyoming address. I never lived in Wyoming!! I pay all of my bills on time and have zero negative items on my credit report. Experian has deleted this item on XX/XX/XXXX report # XXXX, Then again on XX/XX/XXXX report # XXXX. 

On XX/XX/XXXX, Experian responded to my CFPB complaint # XXXX that the account is not apperaing on my personal credit report. This is the THIRD time it has been deleted and still apperaing on my credit report! 

Experian responded : " According to our records, the disputed information does not appear on your personal credit report at this time. We are in the process of sending you a current copy of your Experian credit report for review. Please note that mailed correspondence may take up to 10 days for delivery through the US Postal system. '' 1. The following account is not mine XXXX XXXX  XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

The computer-generated response I received is unacceptable and I am losing patience. If the information is not immediately reinvestigated and removed, I will be forced to seek legal counsel for relief through the court and file complaints with regulatory enforcement agencies including the CFPB, FTC and my state attorney general.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm asking that the 4 accounts on my credit report ( 1 ) XXXX XXXX XXXX XXXX {$5.00}, ( 2 ) XXXX XXXX XXXX XXXX {$4.00}, ( 3 ) XXXX XXXX XXXX XXXX {$0.00}, ( 4 ) XXXX XXXX XXXX XXXX {$0.00}, be blocked/ removed immediately in accordance with the FCRA if your companies can not provide me with physical documentation of these accounts. And upon your verification process/ investigation I would like to know the full details of the process.
Product: Consumer Loan

We purchased a boat, trailer and motor, in XX/XX/XXXX it was paid in full in XXXX 2016. I then sold the boat in XX/XX/XXXX. When the purchaser went to register the boat and trailer he was told there was still a lien on the trailer. I made numerous phone calls to the bank and nobody could seem to help me resolve this. After being sick for the last 5 days about this including the weekend I finally went online and found with no difficulty that there was indeed an electronic lien despite the multiple times I was told it was released in XX/XX/XXXX. I finally faxed a copy of my last registration to their bank and it is now being released. I am sure this is not how customers are supposed to be treated. I understand they are a large bank but had I been in the wrong and not paid my bill they would have contacted me in a moment. I know the problem is resolved for me after much distress but maybe if somebody is educated about this way of managing loans it will prevent the next person from having to go through what we had to endure
Product: Credit reporting 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 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 has violate 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 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: Debt collection

Portfolio recovery and associates has reported inaccurate, misleading, Unverifiable information on my consumer credit report. 

In & aroundXX/XX/XXXX Portfolio recovery and associates Portfolio recovery and associates has violated fcra rules section 1681 for not providing notice of dispute 5 business prior to reporting. This is a violation of federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCOUNT SAYS OPEN, IT HAS BEEN CLOSED SINCE 2016  XXXX XXXX XXXX XXXX ACCOUNT HAD NEVER BEEN LATE. IT REPORTS XXXX  30 DAY LATE 2016 XXXX  30 DAY LATE XXXX 30 DAY LATE XXXX 30 DAY LATE XXXX 30 DAY LATE XXXX 60 DAY LATE