23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We paid off our loan   XXXX  , still waiting for Deed of reconveyance, paid in full and remove lien. I have called spoke to  XXXX  several times and sent letters asking for my deed of re conveyance, satisfaction of mortgage and letter of paid in full. I was told on Friday   XXXX   XXXX  ,  XXXX  said she will call me back on Monday, she will see what 's going on in the legal department, this is what she tells me every time I call, she has never called me back.
Product: Credit card

I got a credit card through XXXX in XXXX, North Carolina and Bank of America manages this card. I never received the card or any statements. I called and asked them to cancel the card when I found out there was an open account when I was applying for a mortgage. Even after what I thought was a closed account, I received a forwarded statement from a previous address. I was told by the Bank of America representative that if I paid the {$8.00} balance, then I would get {$5.00} back of that and they would remove all late payments shown on the account and I had her to update the correct mailing address. 30 days later, I receive a statement owing {$1.00} and had to call back again. I was told by the Bank of America representative that would be removed. A few weeks later, I received a late notice on the {$1.00} and had to call again. The representative said it would be removed and would call me back on XX/XX/2017 to tell me everything was cleared up. Today is Monday XX/XX/2017 and no return phone call has been made. My concern is what impact this small charge and seemly lack of communication has done to my credit. To date the lates have not been removed, the {$5.00} was never refunded ( which is not a concern ) and not sure what happened with the {$1.00}. My biggest concern how can a company be so large and have that much impact on my credit with no regards to their customer service. I would appreciate any help with this matter as I value my credit and it does not seem fair the follow through on Bank of America 's part to do what is the right thing when I had no communication from them until now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am extremely concerned due to the fact that my credit report has been compromised and I have disputed these items with the Bureaus and they refuse to remove the information. I recently got engaged and weeks later I was diagnosed with XXXX. I not only disputed these charges but I also sent proper verification as I had access to it at the time. This has been a nightmare for my family and I. Please help me get these erroneous accounts from my report.
Product: Credit reporting or other personal consumer reports

I disputed to reporting agencies all debt concerning XXXX  XXXX Acct # : XXXX and all claims to contract pursuant 15 USC 1602g, 1666B ( a ), 1681b ( 2 ), 31 USC 5118 ( d ) ( 2 ) under consumer report exclusions. My identity was stolen and all negative items do not belong to me and was charged off and reported without express written consent. These are considered identity theft and adverse actions.
Product: Debt collection

I am getting repeated phone calls from company ASG XXXX stating I owe Debt and that they are contacting me or my lawyer. No letter to home showing original debtor from this company or any amounts or account balances owed. When researching the company ASG online prior to contacting them. I found articles warning they are a Scam company and it advised to not call or contact company as they are fraudulent debtor ( even to not visit company website ) The last number calling me was XXXX at XXXX in WA XXXX XXXX and XXXX. They are always pre-recorded or computer generated messages.. 

I am fearful to contact this company due to my findings and putting my self in a position of fraud but understand that if the company is a valid institute any claim of debt is my responsibility.
Product: Bank account or service

Hello, I have an account with Chase Bank. It is not my main account as I do n't keep very much money in it. Its the account I use mostly when shopping online so the card info is saved on my computer. I submitted a few credit cards to be paid in extra and used this card. So last night I checked my bank account because I had to use the card a little extra when I left my wallet in the car with my husband and he was away at work. The account was low but not over drawn. When I checked I had XXXX in the account. This morning my bills posted and overdrew the account. Via Chase banks rules I have until XXXX Eastern standard time to pay back the account before over draft fees are assessed. Today at XXXX I woke up to an email advising me my account was over drafted XXXX which includes a bill I paid and XXXX, over draft fees. Not XXXX but XXXX totaling XXXX dollars! They did n't even remotely give me until XXXX eastern time to replenish the account. I called them to get this rectified and they would only waive XXXX fee, but kept the remaining XXXX on my account. I do not feel I deserve this at all this is supposed to be " over draft '' protection?! They told me, which I understand, that since they were electronic checks I can not see them on my account until they post and neither can they. But they couldnt explain why I had assessed XXXX fees all at once! XXXX fee I can understand and would probably have paid without much of a fuss. But regardless the over draft occurred today on XXXX then the fees should be assessed by XXXX as per their protocol! My bank account of course states they occurred on XXXX but I checked late last night before bed and it was still only at XXXX balance. So I find it wrong that they have it dated on XXXX when I was monitoring the account on XXXX and no over draft occurred. These time stamps are not correct! furthermore I get an email notification the second my account gets over drawn too and my notification was sent at XXXX on XXXX.
Product: Checking or savings account

Hello At BOFa, a total of {$1300.00} USD was withdrawn from my checking account 9 times without my knowledge or permission. I would like to request a refund.
Product: Checking or savings account

I had a personal account with Wise, out of nowhere they requested verification of my income. I have provided them multiple times with my US tax returns and tax transcripts, they kept denying the documents for no reason. Then they just closed my account without notice. I had over {$3500.00} in my account and I have no idea how to access this money. That is my money that I worked for and paid taxes on and I have every right to this money. The is is outright fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

2 accounts showing on my credit report unable to get a validation of the debt owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX ( XX/XX/2021 ), has violated 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
Product: Credit reporting or other personal consumer reports

i checked my credit report in XX/XX/2023 because I am trying to purchase a house for my family and I. I wanted to surprise my children and my fianc with a new home and when i checked, I saw there was multiple fraudulent Collection accounts on my consumer reports along with several addresses that do not belong to me. I have been living at XXXX XXXX XXXX, XXXX OH Since i was in middle school and have not resided at any other address since then. The following addresses do not belong to me : XXXX XXXX XXXX, XXXX, oh XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX AZ, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX AZ, XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX AZ. THE FOLLOWING FRAUDULENT COLLECTION ACCOUNTS DO NOT BELONG TO ME : XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX.
Product: Checking or savings account

I have Chime debit and credit card. On Tuesday XX/XX/XXXX XXXX charges were made to my account that I did not do. It was XXXX XXXX XXXX charges. I received a text message from chime asking about 2 of the transactions if it was me that made 2 out of the 3 transactions. Exact verbage : " CHIME FRAUD ALERT : Chime will NEVER CALL you for a fraud or declined transaction. Did you try to use your Chime card ending XXXX for {$120.00} at XXXX XXXX XXXX ' on XX/XX/year>? Reply Yes or NO ( XXXX ) and another message for separate transaction : " CHIME FRAUD ALERT : Chime will NEVER CALL you for a fraud or declined transaction. Did you try to use your Chime card ending XXXX for {$50.00} at XXXX XXXX XXXX ' on XX/XX/year>? Reply Yes or NO ( XXXX ) -- - I responded NO and got the following reply : The transaction was blocked and no funds have been taken from your account. If you believe your card was stolen or compromised, please disable transactions in the Chime app and request a new card from the settings screen. The third transaction was not mentioned in a text message, it was for " XXXX XXXX XXXX in the amount of {$17.00}. I immediately called chime, cancelled card, ordered new one and was assured I would receive my money back and it was denied. I spoke to another person at chime and filed a rebuttal and find out today it was denied again. The total for the 3 transactions was {$180.00}. I have filed a police report here in my town also. 
On XX/XX/XXXX my chime credit card was used for a XXXX 's order in the amount of {$48.00}. I was able to get an email from XXXX where the food was delivered and it was in XXXX, FL. I have an address it was delivered to and an IP address that was used to make this order. I live in Georgia and was working this day. This is the day I had a deputy come to my home and I filed police report about it all. This dispute is still under review ( for the {$48.00} ) and card was cancelled and a new one is on the way, but could someone please help!? I'm a hard working single mom nurse and need that money for groceries. As soon as I get everything straightened out I plan on not using Chime anymore, but I am afraid to cancel now because they probably definitely will not refund my money then. My whole paycheck goes on this card twice a month. I filed the police report through XXXX XXXX Sheriff 's Dept and the case number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights to privacy. 15 U.S.C 1681 section 604 A Section 2 : its also states a consumer reporting agency can not furnish a  account without my written instructions.
Product: Credit card

chase.com website has the option to dispute charges made un-authorized on credit card accounts, it says there that they will close the card and replace it with a new one ... which is not true because I did n't get a replacement and they never close the credit card.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE XXXX  DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 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 consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I checked my credit report on XXXX and a company name Affirm Inc has three past due open accounts in my name. I did NOT open those accounts. I contacted Affirm twice. Both times I gave them my name, phone number and last 4 digits of my social security number. I was told both times that they do NOT have any accounts in my name. And there shouldnt be because I have not opened any accounts with Affirm Inc . I have no information on those accounts, except for whats listed on my credit report. I have never received any calls, mail or emails about anything to do with Affirm Inc. No contacts of any kind whatsoever. I did not contact Affirm until this information showed on my credit report. I put in an investigation, twice with XXXX and was told, via email that those three accounts remains and that the company, Affirm Inc reported the information is accurate. 

The three accounts were opened XX/XX/2024 {$100.00} {$210.00} {$100.00} The number that I called Affirm on is XXXX. 
The address that is listed on my credit report is XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/2021, I filed for XXXX and reaffirmed my auto loan. I have never been late on this loan, even prior to the XXXX. After the XXXX, the bank stopped properly reporting my monthly payments and balance. On my credit report it keeps looking like the loan isn't getting paid down. I have reported this to the bank, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) multiple times, they will update the account, but let it get behind in updating again. I keep having to file disputes with credit bureaus and with the bank every XXXX months to get it properly reported. They should properly report the payments being made and the loan balance as when they don't my score is affected. It is their duty to report this information and keep the account updated. I have done this over times since XX/XX/2021.
Product: Credit reporting or other personal consumer reports

I received a copy of my consumer report on XX/XX/year> and I noticed there are some inaccuracies reporting to my report! According to he FCRA and 15 usc 1681 I, when a consumer reporting agency crates a consumer report is should follow reasonable procedures to assure the maximum possible accuracy of the information concerning the person in which the report is reporting about! An also conduct a procedural investigation These accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Are reporting inaccuracies According to 15 USC 1681s-2 A person shall not furnish 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 incomplete or inaccurate.
Product: Credit card or prepaid card

I received an email on XX/XX/XXXX from XXXX stating that I had made a reservation. I had not made a reservation. The reservation was to check in that day to a house in XXXX. Seven minutes later I received a 2nd email stating that the reservation had been canceled, but the {$740.00} was non-refundable. This was fraud. I did not make this reservation. I did not cancel this reservation. 

I have already disputed this charge twice with Chase. Yesterday they reapplied this {$740.00} fraudulent charge to my Visa for the THIRD time. 

I have the emails from XXXX. Chase has never asked for these emails. I just spent two hours on the phone trying to resolve this issue for a third time with Chase, only to be told after holding for two hours that I had reached the " wrong '' fraud department and I can only reach the correct people by email at XXXX. 

I don't know why Chase doesn't understand that this is a fraudulent charge through XXXX. I obviously, in no way, received any benefit from this transaction. Someone obviously received the {$740.00} but it wasn't me! 
Please help. 

I already tried resolving with XXXX  and XXXX and they both referred me to Chase. 



I am going to copy/paste the two emails below. Please note the dates and times the emails were sent. XXXX XXXX XXXX XXXX XX/XX/2020, XXXX XXXX  to XXXX  XXXX Reservation Canceled XXXX  individual XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - XX/XX/XXXX View original receipt Your reservation was not eligible for a refund. 

You didnt receive a refund because of your hosts cancellation policy. If you have an extenuating circumstance, you can use our Resolution center to ask for a larger refund. 

Go to Resolution Center FIRST EMAIL XXXX  XXXX XXXX, XX/XX/XXXX, XXXX XXXX  to XXXX  XXXX  Your reservation is confirmed Youre going to XXXX! 


XXXX XXXX XXXX XXXX XXXX XXXX coches Entire home/apt hosted by XXXX XXXX Monday, XX/XX/2020 Check-in is anytime after XXXX XXXX  Thursday, XX/XX/2020 Check out XXXX XXXX  View full itinerary Address XXXX XXXX, XXXX, XXXX XXXX, XXXX Get directions Guests 1 Invite Guests Payments Payment 1 of 1 {$740.00} XX/XX/2020 XXXX EST XXXX Amount paid ( USD ) {$740.00} Reservation code XXXX   Cancellation policy : Strict Cancel before XXXX XXXX  on XX/XX/XXXX and only get a refund of the cleaning fee. 

Cutoff times are based on the listings local time More details Change reservation XXXX XXXX is your host Contact XXXX XXXX to coordinate arrival time and key exchange. 

Message Host XXXX XXXX XXXX XXXX Know what to expect Make sure to review the house rules and amenities. 

View House Rules Keep in mind The host hasn't reported smoke or carbon monoxide detectors on the property. We suggest bringing a portable detector for your trip. 

Learn more Add taxpayer information The XXXX  government requires that we collect and share your name and ID number with the XXXX  Tax Authorities. Learn more Provide taxpayer info Customer support Contact our support team 24/7 from anywhere in the world. 

Visit Help Center Contact XXXX
Product: Debt collection

Company contacted my wife repeatedly over an account that she had nothing to do with and threatened to take credit action. They were repeatedly told that the correct person was me and that the account was already paid in full with the original credit. Finally they sent a debt collection notice to me, but continued to call and harass my wife ( after confirming they received written notice that they were not to call and only use written correspondence ). I sent a request for proof of debt, which they received, and they have not responded as their own records show the debt is not valid. They continue to call my wife.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX   XXXX ,  2014 , my mother took me in to her local branch of  XXXX    XXXX   to add my name to her savings account. The bank collected all of my pertinent information and ran a credit check unbeknownst to me leading to a  XXXX  point drop in my credit. They refuse to even provide a letter of explanation to the credit bureaus. This at a time when I am in the process of purchasing a home! My bank contact person was  XXXX   XXXX .
Product: Credit reporting or other personal consumer reports

I'm sending my disputes letter to dispute problems with my credit report and they not accepting my letters to help me fix my problem of XX/XX/XXXX i send them off they receive them XX/XX/XXXX this is the third month i just send new ones off today i have tracking number im just trying to fix my credit report
Product: Credit reporting or other personal consumer reports

You have stated that it was not filed with a law enforcement agency which subjects the person filing the report to criminal penalties relating to the filing of false information. 
In accordance with the Fair Credit Reporting Act, it is your responsibility during the dispute process involves assess the correctness and comprehensiveness of any challenged item. The Bureau is failing to comply with FCRA requirements. Despite providing you with the necessary documentation and evidence to support the inaccuracies in my credit report together with FTC report, I have not witnessed any substantial efforts from the bureau to resolve this matter. I've done exactly as required thus, the issue is still unresolved and it seems that all our efforts are just like PAPER CRIMPLED TO TRASH!! 
These accounts are causing trouble in my financial well-being and creditworthiness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Repeated phone calls on the daily sometimes back to back and as early as XXXX. Ive told them I dont have money now but I will pay when I can. The calls continue everyday.
Product: Credit reporting or other personal consumer reports

The SBA loan application demands a prompt response to an inquiry about credit which was frozen. In attempting to unfreeze experience, which is the agencies choice of the big three, they make it virtually impossible to deal with them realistically ; the other two major agencies I have been quite Successful in unfreezing my credit, but experience does not offer any solutions and avoids con conversations. The existing problems are that my phone was lost, and I have not yet given them my new number which is fairly recent. also, I do not recall my pin or can not locate the piece of paper with it that information from years ago. The other two agencies have many ways to verify my identity, but chooses not to and continues to push their expensive business account options and recommendations. I do not want to lose my opportunity to get an SBA loan because of their delaying everything.
Product: Credit reporting or other personal consumer reports

Me and my mom have the same name, she used my information to open XXXX accounts
Product: Debt collection

i gave a verbal cease and desist and now they are trying to call me on my cell phone wich is illegal. ( 15 U.S.C. 1692c ). they are to stop all contact or ill sue the XXXX out of them. the debt is over the statute of limitations.
Product: Debt collection

I submitted my notice to vacate 60 days prior to my move out date of XX/XX/23. I moved on XX/XX/23 and advised the complex that I moved. The office was closed due to renovation and I had no idea where they were in order to turn in the keys. I made an appointment to turn in the keys and thought everything was cleared. I was never advised that I owed any monies and then two months later, I get a collection letter. I was never given any opportunity to settle with the complex if I were to owe anything. This was turned over so quickly because I didn't want to renew my lease. On XX/XX/XXXX, I paid the amount due in the portal that covered XXXX XX/XX/23 and had a XXXX balance. On this notice from the collection agency, it says I owe XXXX. I was charged two late fees of XXXX after I moved and was charged for 11 days in XXXX and another 4 days for XXXX after I had already moved out and given them the keys. I do not owe XXXX and this account needs to be closed out and I don't want any other correspondence from the collection agency.