23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

My auto loan was originated with Sun Trust bank in XX/XX/XXXX. At the time, I setup a monthly recurring payment to cover my required balance through Sun Trust 's online portal. During late XXXX, I was notified via mail my loan would be migrating to Truist and was directed to create a new online account on their website. This letter also advised that any recurring payment plans setup through Sun Trust would not migrate over to Truist 's website and needed to be re-established. The letter advised this transition would occur at the end of XX/XX/XXXX. 

In XXXX, I logged in to Truist 's website, registered a new online account and setup a new monthly recurring payment plan. The website did not indicate or note that any existing payment plans were in place. In early XXXX, I checked my banking account with XXXX  XXXX XXXX and noticed two recurring payments had been withdrawn in the amount of {$310.00}. I immediately attempted to call Truist, but was advised the hold time would be over 60 minutes. Unable to wait this long, I tried again the next day, but the hold time again was over 60 minutes long without any sort of way to expedite. 

I attempted to reach out to Truist via XXXX and was offered a call back, however no time was provided and this attempt was made while I was working and unavailable. 

To try and fix this issue, I logged into my account in early XXXX and attempted to modify the existing recurring payment plans. Upon logging in, no payment plans were listed despite two payments being withdrawn. I did see my banking information listed through so I deleted it from the site. Upon deleting this information, I received a note indicating two pending payments ( for XXXX ) would also be deleted. This note was received despite no pending payments appearing. I continued with this action and received confirmation my banking information had been removed. 

At the end of XXXX, I again checked my XXXX XXXX XXXX checking account and noticed two recurring payments had again been taken out for {$310.00}. When logging into my online account now, I was able to see a log of all payments taken ( which wasn't the case before ). I deleted all pending/upcoming payments, but remain concerned that this won't be successful. I was able to get a hold of someone after a one hour wait on XX/XX/XXXX. They confirmed two refund checks would be mailed within the next XXXX days and no future recurring payments would occur. I am hopeful this will resolve my issue, but remain concerned that deleted payment information remained accessible for Truist to draw payments from.
Product: Credit reporting, credit repair services, or other personal consumer reports

this is not my account and hurting my credit
Product: Debt collection

XXXX XXXX allowed a fraudulent loan ( # XXXX ) to be taken out online on XX/XX/XXXX. Information given was all incorrect phone number, address, and employer. They did not verify anything correctly. The money was transferred to a XXXX XXXX account ending in # XXXX. XXXX XXXX then turned the unpaid loan balance into a collection agency in XXXX of XXXX called NATIONAL CREDIT ADJUSTERS. They also have completely false information and can only match my name, and old street address from over 30yrs ago. This was fraudulent activity.
Product: Credit card or prepaid card

I originally had a XXXX XXXX XXXX credit card with XXXX. XXXX quickly transferred over this card to Wells Fargo. XXXX did not give proper notice over email that automatic payments would be discontinued and the card would fall under Wells Fargo. Therefore, payments were missed for the month of XX/XX/2023, as automatic payments were discontinued without proper notice. I had paid every single month on time previously. As a result, my credit score dropped by XXXX points. As soon as I realized what had happened, I called in and paid my balance in full. I have always paid on time, but because of the poor partnership between XXXX, Wells Fargo, and their customers, a good-standing customer such as myself, who has paid on time every single month, was punished. I want the drop in credit score to be taken off my credit report, as it is not a reflection of who I am as a customer. I will be buying a house with my fiance soon and this drop in credit score has affected my ability to purchase a home.
Product: Debt collection

I paid {$320.00} on XX/XX/XXXX and {$970.00} on XX/XX/XXXX per an agreed and authorized settlement of approx {$1600.00}. Original debt amount was approx {$2200.00}. 
Representative XXXX XXXX from National Credit Systems , Inc. is lying and going back on his word to close out my matter for ~ {$1600.00}. I owe approx ~ {$300.00} to close out my matter in full and remove from credit report. All calls were recorded and I ask that CFPB look into this matter fully amd request to hear the recorded calls. 
Representative XXXX XXXX was harassing me to pay the full ~ {$2200.00} he did nothing to help other than continue to create confusion after I informed him I am not following his calculations. I am cuurently stuck out of town away from home desk due to global delta travel disruptions and my original notes with his settlement offer is at my home desk. I am currently writing from a mobile phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove these accounts that aren't mine.
Product: Checking or savings account

On XX/XX/2024 a merchant made a typo on a charge to me. Instead of declining this highly atypical charge ( {$2200.00} to a XXXX XXXX Bank of America approved it. I spotted the error immediately and the merchant refunded the charge after 2 minutes and 37 seconds, then charged the correct amount ( {$220.00} ). This charge also went through, making me overdrawn. 

The amount is shown pending on my activity thread in the app. However, Bank of America will not return the money to my account for 3-5 business days and, when asked why, simply says it is policy. They also have used the word " investigation. '' They keep saying that they are not crediting my account because the merchant hasn't done something, but she refunded the money instantly ( I have the receipt ) and she also contacted her bank and discovered the incorrect amount never appeared in her account. So, why has BofA not promptly returned my money? 

Other issues : Twice, Bank of America was supposed to call me back and did not do so. My account showed negative until after I confirmed that I had overdraft protection, then it showed XXXX. It is possible this is timing
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a foreclosure on my home in   XX/XX/XXXX .   XXXX  reported it on my credit in    XX/XX/XXXX   . The charge-off is past the statute of limitations. We tried to purchase a home a year ago, but could not.  XXXX   XXXX  Mortgage contacted  XXXX  telling them this debt ( charge-off of {$35000.00 } ) was to o old and needed to be removed. They refused to remove it, stating we had made payments in   XX/XX/XXXX ,  XX/XX/XXXX  and   XX/XX/XXXX   of that year (  XX/XX/XXXX  ).  We were unable to purchase a home due to their fraudulent claims.     I disputed it with   XXXX   and thankfully they removed it. I have tried to dispute with Equifax (    XX/XX/XXXX    ), but  XXXX  reported we never missed a payment from   XX/XX/XXXX  to  XX/XX/XXXX   and we make payments on the loan ev ery 3-4 months . They have not reported to  XXXX  any payments received by me, but the total amount is still on that report.     We have received settlement opportunities from  XXXX  in the mail with the original amount of {$35000.00}, with a settlement offer of {$30000.00}. If they have reported we paid faithfully from    XX/XX/XXXX - XX/XX/XXXX   , how is the loan the same amount? Clearly, we have not made any payments whatsoever to them since the foreclosure. I have documentation through my banking that no payments have been made to them. Since there are too many bank statements in  a 7-year  period to upload for this claim, we are asking that  XXXX  show " proof '' of my supposed payments to them.     At this point, we are going to have to seek out legal counsel, which would be a hardship to do. But, this has prevented us from purchasing a home, paying high rental rates to rent a home and higher interest rates on everything unnecessarily for the past 3 years. This has been so frustrating and devastating to our family not to be able to own a home after 10 years. We are asking to please offer any kind of solution on how to get this resolved as quickly as possible.     Thank you so much for your time with this sensitive matter. We would greatly appreciate any help.     Sincerely,  XXXX
Product: Debt collection

On XX/XX/year> Ive asked them to verify that the debt belongs to me and what the debt is for. They cant provide any evidence that they have legal rights to collect the debt.They failed to provide documentation of the transfer of the debt. They cant provide me a breakdown of the XXXX XXXX provided and the charges for those services. There is no also no insurance claims processed. There is no legal contract with my signature claiming this debt is mine.
Product: Payday loan, title loan, personal loan, or advance loan

I applied for a {$350.00} loan by a virtual card through affirm. I was approved after the processing was complete on XX/XX/XXXX. They sent me an e-mail saying I was approved and to keep making payments. There was no link sent or virtual card access to use this loan at XXXX XXXX. They told me to call the XXXX. The merchant stated " we have no idea who Affirm is and we don't provide credit through them. I called affirm XXXX times with each person saying the same thing " you have to wait XXXX hours and the link will be sent to your email. They all acted like they are reading the same script. Basically Affirm steals your money immediately and will not respond. I was told over and over. You will receive a link in email tomorrow. They sent some unresolved response today. The response basically says " loan is approved, now pay it. There are thousands of the same complaints. Affirm believes it has the right to steal from innocent people. My loan amount was {$350.00} I just found out today it XXXX interest on a loan I never received. Affirm runs their Business backwards. If you get a virtual card or loan from any other site such as klarna, pay XXXX, and more they return your unused amount. Affirm steals your money and puts you through he.. that's theft and deceptive practices. I want this resolved ASAP. I'm infuriated. They should never takes someone's money without providing a way to use a loan they approved. I never even received the amount of interest on this loan until today XXXX on Friday. They need to refund the money they took out and cancel this debt. No way can it be legal for them to keep your money and charge you for a loan you never received. I will not give up and I will reach every resource I have. If that includes my brother who is a lawyer he will sue them. Please help.
Product: Mortgage

We live in XXXX, TX near XXXX  and was our house was flooded during hurricane Harvey. Our mortgage was through XXXX XXXX XXXX. They granted us a 3 month forbearance which would of been up in XX/XX/XXXX '. During our forbearance in the beginning of XX/XX/XXXX ' they sold our loan to Freedom Mortgage. I contacted Freedom to discuss the forbearance which they were aware of. We sold our house and paid the loan off in full on XX/XX/XXXX. In XX/XX/XXXX' we received a letter from our credit protection agency stating Freedom Mortgage filed a 60 day late payment to both my and my wifes credit. We contacted Freedom and the person we spoke with told us that the report shouldn't of been made and they would take it off. 30 days later we received a letter from Freedom stating that the filing was correct. We contacted Freedom Mortgage again and they again stated that the filing was incorrect. We are trying to get financed for a pool and this negative reporting has wrongly lowered our credit score over 50 points. They keep telling us that they will correct but have taken too long to do so.
Product: Mortgage

The complaint is against XXXX and Lakeview Loan Servicing. They have not properly credited my payments of principal reduction and continue to charge me interest on principal which I have already paid. They are not crediting my payments in a timely manner. See attached : back of check indicates it was received on XX/XX/XXXX, it was not applied to the loan balance until XX/XX/XXXX. They also did not apply my extra payment to principal as requested, but applied it to the payment due on XX/XX/XXXX. See attached letter and payment statement from XXXX. They have not responded to my correspondence.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX and on XXXX XXXX JPMCB Card services has had a hard inquiry on my credit score I have no knowledge about! I want to dispute it because that is not on my behalf! I have tried to multiple times in the past with no avail! On XXXX XXXX I have a hard inquiry from XXXX XXXX XXXX I have no knowledge of as well and I want it disputed!
Product: Money transfer, virtual currency, or money service

Bank of America/fraudulent XXXX transfers totalling a loss of XXXX over a two day period XX/XX/XXXX and XXXX 2021. I only received one email advising that money was successfully transferred. Since I did not initiate or authorize the transfer I immediately called BOA. 3 transfers out of 7 were still pending and I was told they could not stop the pending transfers. I told them I'm advising you they are fraudulent but it did not matter to them. I then called the nearest BOA branch and was advised to come to the branch the next day. Which I and my husband did. It is 75 miles from our home. I have since done everything BOA has advised me to do. I have spent countless hours with submitting paperwork and filing complaints with our local sheriff 's department, the FBI and others. I also contacted our local XXXX XXXX  " XXXX XXXX  XXXX. To date, I have not received a call or email from him. I also want an email to the president of BOA. I will say a representative for BOA did contact me on several occasions. However, to date, since I have not been able to get XXXX to send me my records : calls, emails, and texts I am at a dead end. Please help us get a refund of the XXXX. The monies that were stolen were to be used to pay off our BOA credit card that we had used for a vacation. We came home on XX/XX/XXXX and the monies were stolen XX/XX/XXXX and XXXX. It's been devastating both mentally, emotionally and monetarily. Now, my husband of almost 50 years has been diagnosed with XXXX  XXXX. We are both XXXX XXXX. Now we need someone advocating for us. Please assist us.Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are unknown to me please view attached.
Product: Credit reporting or other personal consumer reports

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the XXXX making the report is NOT included on the consumer reports. Yet Experian is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form XXXX : XXXX XXXX AND IRS form XXXX : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Credit card or prepaid card

I have tried on several occasions to get my issue resolved and to no avail. A lady name XXXX who said she was a XXXX XXXX XXXX  on the behalf of Way 2 Go, call me from a XXXX on XX/XX/22 stating that she will like to speak with me regarding my complaint. I have left several voice messages for XXXX or any other XXXX XXXX XXXX to call me back, but have yet to hear from anyone. All I want is for Way2Go is to reverse all of the unauthorized charges that were made to my account and have this issue behind me. Not having my money returned to me has caused me to fall behind on my bills, not having enough money for food and other necessities, stress, and lack of sleep. No one should have to go through all of the challenges I am going through with trying to get their hard-earned money returned to them. This is not right. This is not legal. 
I look forward to your prompt response to this matter. Thank you.
Product: Checking or savings account

I used my Bank of Amercia checking acccount to invest stocks via XXXX, after I transfered XXXX dollars to theXX/XX/XXXX on XX/XX/XXXX, my checking account just dispeard in my Bank of America on XX/XX/XXXX, I think I still have fund in there and did not find a way to find my account back.
Product: Checking or savings account

Chime determined that the developed checking and savings account would be closed on XX/XX/year>. A check has not been received for the remaining funds that are within the account which is a total amount of {$1500.00} or more.
Product: Money transfer, virtual currency, or money service

Good afternoon. First of all, I want to tell you the situation that happened to me. 
XXXX XXXX XXXX XXXX XXXX sent a payment to XXXX. The correspondent bank was BNY MELLON ( XXXX payment will be attached to the letter ). My bank XXXX was sanctioned and, accordingly, my bank 's correspondent account was frozen and the money did not have time to return to me in XXXX. We wrote a letter to BNY MELLON bank, they replied that the funds were not blocked ( I attach the letter " response from BNY MELLON ), I check with my bank XXXX, they say that the funds are blocked by OFAC. I write an application to OFAC, I wait 2-3 months and I receive a message that the funds are not blocked ( I attach the letter " OFAC response '' ). 
As a result, it turns out : BNY MELLON writes that the money is blocked and is in the correspondent account of XXXX. 
XXXX writes that they do not have money and they are blocked, write OFAC / OFAC writes that they do not see money among the blocked funds. 
I ask you to help me find funds, as I can not communicate directly with BNY MELLON, and XXXX Bank does not take any measures. 
I really need your help.
Product: Debt collection

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX XXXXx XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXXXXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX NON-FCRA OPT-OUT TAKEN - HARD INQUIRIES DISPUTES : I have opted out of my public information with XXXX, and I believe that requesting the deletion of any inquiry based on any legitimate connection to a public record vendor such as XXXX is within my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Transactions Act ( FACTA ) and the Fair Debt Collection Practices Act ( FDCPA ). In review of the numerous hard copy disputes on my credit report, I am requesting only the proper protocol to be adhered to in order to maintain the legitimacy of the hard inquiry, that includes an actual name of the person involved with any company that pulled a hard review of my credit history, but in addition a copy of the actual report ascertained from such a review. If these items can not be produced, then by deductive reasoning the hard inquiry is bot 100 % legitimate. Accordingly, under review of 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ), I request the deletion of the following lists of hard inquiries as follows : I demand my rights be protected based on the XXXX Edition of the Privacy Act published by the U.S. Department of Justice. 
LISTINGS OF ALL HARD INQUIRIES I DISPUTE AS DAMAGING TO MY CREDIT PORTFOLIO PLEASE DELETE THE FOLLOWING UNAUTHORIZED INQUIRIES : AMERICAN HONDA FINANCE XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX IMMEDIATE ACTION REQUIRED : PLEASE INSERT A BLOCK ON MY FILE FROM ALL FUTURE PROMOTIONAL REVIEWS THE FOLLOWING ATTACHED REVIEWS OF MY CREDIT IS A DISASTER AND I WOULD HAVE NEVER HAVE AUTHORIZE SO MANY REVIEWS. I HAVE DELETED ALL APPLICATIONS SUCH AS XXXX XXXX AND XXXX  XXXX. PLEASE DELETE ALL OF THE ATTACHED CREDIT REVIEWS AS THEY WOULD HAVE NEVER BEEN AUTHORIZED. PLEASSE BLOCK MY CREDIT REPORT INFORMATION FROM ALL UNAUTHORIZED INQUIRIES FROM THIS POINT FORWARD : This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated. 

Thank you for your full consideration in this matter. 


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

On XX/XX/2021 I pulled my credit report and I sent my first round of letter to the three credit bureau to validate the date on my Military Star Card. I got no response. XX/XX/2021 I pulled my credit report again sending second round of letters to the three credit bureau with evidence to delete the account per FCRA regulation of reporting accurate information the bureau only updated the account. XX/XX/2021 I sent a letter to Military Star the creditor who didn't make any updates. On XX/XX/2021 I sent another letter with evidence to the bureau but got and update not deletion of inaccurate information. Today XX/XX/2021 I pulled my credit report and the bureaus are still reporting inaccurate information.
Product: Money transfer, virtual currency, or money service

Dates/amounts XX/XX/2018 - amounts {$2400.00} XXXX Transfer, {$510.00} XXXX, {$510.00} XXXX Total charged {$3500.00} This was a purchase for a camera. After contacting someone to purchase their camera, a XXXX XXXX, I was told to send the money via XXXX since his XXXX hit the max transaction amount. I transferred the {$2500.00} via XXXX and another {$1000.00} via XXXX. I trusted the XXXX service since it was available to do through the Bank of America mobile app. After about one week, I had still not received the camera so I contacted my bank and filed a claim. Claim was rejected, and they told me that the money that was transferred went to another Bank Of America account, but could not give me details on the account holder so I could file a police report. 

I have attached photos dealing with the conversation we had below. The number turned out to be a burner, and his names were false.