23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We are having a very difficult time with Bank of America [ BofA ].  XXXX XXXX has been applying for a modification since XX/XX/20. Bank of America keeps asking for the same documents every week. They are now also asking for ridiculous questions on the make this process next to impossible for me to get the the underwriter and get a fair review. 

XXXX XXXX is XXXX years old and retired. She stated her income on the RMA as pension and a small SSI income. Pretty simple. BofA of America has done everything they can to make this process in possible and completely dysfunctional. Its is starting to feel like bank fraud on predatory lender on the elderly. 

On XX/XX/20 XXXX XXXX was requested to explain bank transfers. It was explained on the phone it was simply transferring money to a 2nd account to pay bills. Any processor who can read a bank statement can figure that out. XXXX XXXX was required to send in a letter of explanation. 

On XX/XX/20 XXXX XXXX was required to do more explaining on very basic underwriting. 1st question regarding XXXX XXXX income that no longer exists. The 2nd questions regarding a PERSONAL LOAN Balance forward that is clear and explained on the bank statement if a processor took 30 seconds to read. A letter of explanation was sent  that day. 

On XX/XX/20 BofA is now requiring XXXX XXXX to send a letter of dissolution from XXXX XXXX. This is ridiculous. Last week BofA stated because it is self employment income a LOE with end date would solve the question. Now BofA is saying its not. XXXX XXXX was self employed and only received income if she sold the XXXX XXXX products. We're you're self employed you can stop at any time and no documentation is required. What BofA is asking for does not exist. At XXXX XXXX age she is physically unable to do the job as previously explained. This should resolve the issue and move the file to the underwriter.
Product: Vehicle loan or lease

In the beginning, when i first purchase my car my agreement was weekly payments and i agreed to that because at that time i was getting weekly pay. I fell into hardship for about a month and eventually caugh back up with payments after getting a new job, but to only find out i get paid more, but my payday went to bi weekly. I call right away and contact my car company Auto Start where i set up pay arrangement on XX/XX/XXXX with a staff member. At that time i was current, and had summit proper document. Well here on Monday the XX/XX/XXXX a auto start employee contacted letting me know i had a payment coming up and previous payment also, i said yes i no and what would be my current amount, he told me i agreed and told him friday XX/XX/19 i get paid and i pay that whole bill. Well they didn't call me tell Sat i assured them that i pay that. Amount Monday because of my direct deposit hits Monday. Anyway i call Monday to make my payment to be kept on hold for 30 min then they tell me how i dont get to get to pay bi weekly no more because the company been bought out and it goes back to the actual first agreement. Now they didn't notify me of any of these changes and now demands a higher payment that could lead me to be in repossession with them, and there saying they want take my current payment thats regularly due, and when instructed to speak to manger i get a regular complaint line with the letter heading of who im complaining too. I been with this car company going on 2 yrs and never had this problem, please help me fix this matter
Product: Debt collection

This year i disputed with CFPB XXXX debt that Midland Credit bought from XXXX XXXX  and did not have any signed documents with me showing i owned the debt. It was removed from my credit file by Midland Credit. They have been calling my phone harassing and calling from goole number of all types of area codes. They are located in California and i did not acquire any debt in that state. They have hired a law firm in XXXX florida to fie a lawsuit in the state i live trying to sue me for XXXX because i ask them to proof 2 other debts they bought. This is an uneccessay filing and another form of harrassment and tactic to me as a consumer who has been out off work due to the pandemic and i have underlying medical conditions, which i wrote an explain to all the creditor i had signed contracts with. I am being targeted and harrassed by the company that i do not even reside in the state with calls and tactics, but they failed to provided anything in writing i have with them.This debt has been disputed and they still showed no proof this is my debt with CFPB. I want the CASE they had filed in my state drop and cancelled or dismissed. I will also be notifying the state of florida attorney general on monday. i have obtained a lawyer to counter sue if they fail to drop this case and or have it dismiss and leave me alone. case filed XX/XX/2021 Civil case # XXXX XXXX County and they reside in XXXX XXXX California.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX  Date of Inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I dont have exact dates but this collection company showed up on my credit report ( Midwest Recovery for {$180.00} ) had contacted them and they wanted my SS # to talk with me and I refused. They claim {$180.00} is from a medical bill from XXXX XXXX I never was there!! they did say it was for a XXXX XXXX, but not mine. I tried several attempts with XXXX to get this resolved but they are a joke..But XX/XX/10 of this year had to go for XXXX  for my XXXX  and the XXXX office ( XXXX   XXXX XXXX XXXX XXXX XXXX ) had my info. in computer as XXXX XXXX. XXXX XXXX, wrong phone # etc ... NEVER lived there, I gave current address of XXXX XXXX XXXX XXXX Pa. XXXX to XXXX. visit and they claim they had the wrong person as me.. This is not fair that companies can pit a claim or hard hit against my credit report even when I have a lock on it
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX and Trans Union credit bureau is reporting inaccurate credit information pertaining to two accounts XXXX XXXX in the amount of XXXX this is not my account. XXXX, XXXX XXXX XXXX this is not my account.
Product: Credit card

We received an offer through Chase Sapphire preferred for XXXX points when we book 2 unique travel components through Chase travel between XX/XX/XXXX and XX/XX/XXXX plus an additional XXXX points if we have not booked through Chase for a year, which we qualified for. I made sure to activate the offer multiple times before booking and traveling as specified by the offer. 

I tried calling customer service multiple times to try to resolve but they denied me activating the offer, which I made sure to do. Here is a forum where other people had the same problem : https : XXXX? XXXX This is unacceptable and they provided no proof that I didnt fulfill the offer. I would like to get my XXXX points and more for the inconvenience of going through their customer service numerous times.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed bankruptcy case number-XXXX with LexisNexis. I filed a CFPB report stating that the bankruptcy was inaccurately being reported on my LexisNexis report. LexisNexis responded to the complaint stating : ( third paragraph, fourth sentence ) As previously explained, the address originally filed on the full bankruptcy docket ) - XXXX XXXX  XXXX XXXX, XXXX XXXX, IN XXXX obtained from Public Access to Court Electronic Records ( PACER ) is the address reported to LexisNexis with Ms. XXXX full social security number by the nationwide consumer reporting agencies. On my LexisNexis report under section Bankruptcy it states that the bankruptcy was filed XX/XX/XXXX. I moved to XXXX XXXX XXXX XXXX XXXX, IN XXXX on XX/XX/XXXX. There is no apartment number or letter associated with the address. I am attaching the bankruptcy section from my LexisNexis report that has the file date. I am attaching W-2s from wage earnings from the years XXXX and XXXX with my address listed on them as : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX, IL XXXX. I am also attaching my HUD lease from XX/XX/XXXX because I moved to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX. I am also attaching my lease that clearly shows that I moved to XXXX XXXX  XXXX XXXX XXXX, IN XXXX in XX/XX/XXXX. How is a bankruptcy being reported with the file date as XX/XX/XXXX attached to a address that I wasnt living at when it was supposedly filed?
Product: Money transfer, virtual currency, or money service

I want to tell you my story. I fell victim to theft and fraud, and it destroyed my life, setting me back to XXXX after a year of working day and night, struggling to accumulate funds. About a month ago, I met a girl on XXXX XXXX. She claimed to be from XXXX but currently staying at her father 's house in Hawaii but she lives in Michigan. She told me she runs her own business, does dropshipping, and deals with cryptocurrencies. I expressed my interest in learning about crypto, and she offered to help, suggesting we collaborate to make a significant amount of money. She instructed me to download the Kraken app, and after providing my personal information, she told me to buy XXXX and provided her wallet address. She directed me to use the Kraken app only for buying and to trade on a fake site called XXXX. I opened an account on XXXX and followed her instructions. The first time, she asked me to deposit {$550.00} in XX/XX/year>. I did so using Kraken, and we conducted some trading. I won {$100.00} in profit, and she suggested I deposit it into my bank account. Little did I know, it was all part of the scam. Days later, she said the market was favorable, and we needed to do more trading. She proposed a large amount in XX/XX/year>, {$45000.00} from her and {$4500.00} from me. I accepted the challenge, bought XXXX on Kraken, and withdrew it to the wallet address on XXXX, her fake account. When I lost access to XXXX, I found all the funds were fake money, and the site was fraudulent as well. We did several trades, supposedly winning {$200000.00}, but it was all fake. When I asked her to send me my share to my Kraken account, she said okay and asked for screenshots of every step. Then she sent an email from XXXX, claiming I needed to pay {$10000.00}, 5 % of the profit, and in the email they tell me need to pay before XX/XX/year>XXXX  and they provoke me if i dont pay the taxes NIIT i Dont receive my funds. When I explained I didn't have the money, she insisted I find it on my own or take out a loan. The email she sent later was about personal income taxes, stating I had to pay them before XX/XX/XXXX or face penalties. I had {$7000.00}, sent it to my Kraken account, and withdrew it to the wallet address on my XXXX account, her fake account. When I asked her to send me her share, she claimed her mother couldn't send the money due to an emergency. Everything turned out to be fake. I have her number and many pictures of her, even a recorded video call. Please, please, please help me identify this person and report her to the police. I just want to recover my funds, even though I know they won't be fully compensated for the year of hard work and sacrifices. Help me prevent her from exploiting others. 
This is The wallet adress for here where i send all my money : XXXX
Product: Debt collection

I have continually advised Grant Mercantile Agency that this is not my debt, that I have medical insurance and that I have never been to the location they allege services were provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

Yes it shows on my credit report that I have 2 60+ days of late payments and 2 30+ days of late payments, I shouldnt have any late payment history reported on my credit, can this be resolved
Product: Credit card

Here 's the revised letter with the additional citations : Dear Consumer Financial Protection Bureau, I am writing to express my extreme frustration and disappointment with the ongoing inaccuracies and lack of resolution regarding my Bank of America account, number XXXX. Despite numerous attempts to rectify these issues, both directly with Bank of America and through previous complaints to the CFPB ( XXXX XXXX XXXX ), the problems persist. 
This issue has persisted for over 195 days, causing significant stress and financial hardship. I implore the CFPB to take immediate action to resolve this matter and hold Bank of America accountable for their repeated failures to correct these inaccuracies. 

Specific Issues : Incorrect Account Status : The account is erroneously marked as " Charged Off/Never Late. '' This is contradictory and misleading, and may violate 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ). 
Inaccurate Balance Reporting : The reported balance of {$150.00} is inconsistent with the {$450.00} written off. This discrepancy may violate 15 U.S.C. 1681i ( a ) of the FCRA.

Misleading Payment History : The payment history provided is confusing and does not accurately reflect the true payment timeline. This may violate 15 U.S.C. 1681e ( b ) of the FCRA.

Incorrect Closure Reason : The stated reason for closure, " closed at credit grantor 's request, '' is inaccurate and misleading. This may violate 15 U.S.C. 1681e ( b ) of the FCRA.

Impact on Credit Report : These inaccuracies have negatively impacted my credit report, hindering my ability to obtain credit, housing, and other financial services.

Previous Attempts and Lack of Resolution : I have previously contacted Bank of America to dispute these issues. Despite assurances from their representatives that they would investigate and resolve the matter, no corrective action has been taken. I have attached copies of emails and correspondence to substantiate these claims.

I demand that the CFPB take immediate action to resolve this matter within 14 business days. This includes investigating the inaccuracies, ensuring that my credit report is corrected, and holding Bank of America accountable for their repeated failures to comply with fair credit reporting practices, specifically 15 U.S.C. 1681i ( a ) and 15 U.S.C. 1681e ( b ) of the FCRA.

Thank you for your immediate attention to this urgent matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( account name, account number ) in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection AD, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In previous months, I requested for correction of inaccurate information which another credit reporting agency found to be inaccurate and had corrected. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please correct the following items, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to CORRECT the items listed below : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX Balance : {$16000.00}
Product: Mortgage

I received a letter from US Bank stating that they have mailed me an escrow refund and the check has not cleared. I called US Bank to tell them I never received the check. They told me that they would issue me a new check for a charge of {$15.00}. I told them that I should not have to pay the charge since I never lost the check. It was not received by me. I told them that If I mailed them my mortgage payment and they did not receive the payment I could n't charge them {$15.00} for not processing the payment I mailed them. They told me that the tracked the envelope to the post office that serves my home. I told them that I did not receive the check. I receive my neighbor 's mail all of the time. It could be sitting on his kitchen counter and he could have forgot about it. I objected to pay the {$15.00} fee since I did not lose the check. I asked to speak with a supervisor. I spoke with XXXX supervisors after the initial customer service person. All of them told me that they would not waive the fee. They told me that I could wait 6 months after the check was issued and then the check would be cancelled and my escrow account would be credited. I asked them why I need to wait 6 months to receive my escrow refund. If a customer calls and tells them it was not received then they need to resend the payment and not hold it hostage for {$15.00}. As of today they will not issue my refund unless I agree to the {$15.00} fee. I will not agree to the fee out of principal. They basically bully you into paying the fee. Either pay the fee or wait until next year for us to refund the money. Do n't pay the fee and we will hold your funds. I am certain many other borrowers have caved in to their demands to pay the {$15.00} fee in order to receive the refund that they never received in the XXXX place. They tell me that people call them all of the time to tell them that they never received the escrow refund. Perhaps they need to establish a better procedure to reduce the occurrence of this issue. If a problem repeats itself that tells me that you have a problem with the procedure. 

I told them that we are wasting allot of time to solve this problem and that my phone calls probably cost more than the {$15.00} fee. All of the supervisors told me that they did not have any authority to waive the fee. I told XXXX of the supervisors that if he is in management and does not have the authority to waive a fee for {$15.00} then he is not in management. What kind of manager has no authority to waive a {$15.00} fee. I asked to speak with a manager who would have the authority to waive this fee. I was told that no manager has the authority to waive this fee. 

Here is the bottom line- When a customer calls to tell you they never received the escrow refund then send them the refund and thank them for being a client of the bank. Do n't tell them that you are going to charge them {$15.00} because that is what it costs to re-issue a check. They basically are telling me that I am a liar and need to pay the fee because I lost the check.
Product: Credit card or prepaid card

INTRODUCTION OF CASE : XXXX XXXX and XXXX XXXX XXXX were XXXXXXXX XXXX XXXXXXXX customers, and had automatic payments setup on a XXXX Rewards card ending in XXXX. On or about the third week of XX/XX/XXXX XXXX XXXX called Barclays Card and advised them that as of XX/XX/XXXX, XXXX XXXX and XXXX were parting ways, and " not to accept anymore charges on card ending XXXX. On XX/XX/XXXX Barclay accepted a charge of {$1200.00}, against the principle card holder 's instructions. XXXX XXXX has called Barclay multiple times advising them that Barclays employees had committed and error in accepting the charge and that XXXX XXXX had taken all legal steps by instructing Barclay to refuse any and all charges to the credit card ending in XXXX from XXXX XXXX XXXX, as there was a posted flag on said account that reflected those instructions. 
XXXX XXXX was informed by Barclay employees that only the merchant could cancel automatic payments/charges and that it was in the terms and conditions of the contract between XXXX XXXX and Barclay, at this time XXXX XXXX immediately asked for a copy of the contract, on or about XX/XX/XXXX the copy of said contract was received by XXXX XXXX, and found out that Barclay employees were in fact willfully, and knowingly lying and committed a willful and knowing act of Fraud pursuant to California Penal Code Section 484. 
XXXX XXXX has advised Barclay employee 's to cease and desist any further communications as to this matter, as the clear and willful mistake was wholly due to a Barclay employee 's mistake, and that XXXX XXXX owed nothing. Barclay has continued to harass XXXX XXXX and XXXX XXXX XXXX by continuing to contact, XXXX XXXX and XXXX XXXX XXXX by emails, letters etc. In willful and knowing violation of California Penal Code Section 646.9. 
Lastly Barclays is a knowing and willing partner with XXXXXXXX XXXX  XXXX in violating all the above, and now wants XXXX XXXX to provide the letter sent to XXXX ending the contract between those parties, XXXX XXXX has advised Barclay 's employees that the letter is a legal letter between said parties and none of Barclay 's business. thus Barclays is willfully and knowingly trying to unlawfully enforce a contract between the two parties in knowing and willful violation of the Consumer Financial Protection Act of 2010. Further these combined acts between partners XXXXXXXX XXXX  XXXX and Barclays is nothing more than two partners unlawfully attempting to extort money from old US Citizens, ( 65+ ). Shameful and corrupt acts.
Product: Credit card

I've always ensured that payments on this account are made on time, never allowing them to become overdue. I'm confused about the reasons for reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Product: Debt collection

This company is reporting that they hold an account I am delinquent on that is in collections. The originator was a medical professional. I am a XXXX veteran and I only use the VA Hospital and would not have a medical bill. I disputed this through a credit bureau and Wakefield & Associates changed the originator. I disputed the collection again through the credit bureau and Wakefield & Assc. verified that my dispute was accurate but then updated the report to show that the collection was delinquent again. At this point, I feel this company is harassing me through inaccurate credit reporting.
Product: Debt collection

XX/XX/year> I gave them a 60 day notice prior to that I had to terminate the lease agreement and I was self voluntarily XXXX acted! And they lied about no keys being in there.
Product: Credit card

Dear American Express, I am writing to dispute a charge on my credit card account due to returned products for which I have not received the refund. The details of the disputed transaction are as follows : Transaction Date : XX/XX/year> Merchant Name : XXXX XXXX XXXX Transaction Amount : {$2900.00} I would like to submit the claim because the merchant has promised to provide credit on XX/XX/year> and I have attached copies of PROOF OF RETURN receipt to support my case. 
According to the Fair Credit Billing Act, I am requesting that you investigate this matter and correct the billing error. I expect that the disputed amount will be temporarily removed from my account while the investigation is ongoing.

Please confirm receipt of this letter and provide me with an update on the status of my dispute. 
Thank you for your prompt attention to this matter.