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

My existing debit card was about to expire, BofA sent a newly issued debit card but I have not received the new card. On XX/XX/2021, Someone used my new debit card XXXX same card number, I believe ) at XXXX store making XXXX separate unauthorized purchases totaling {$1100.00}. I reported the fraudulent card use to the Bank of America that same day and they canceled my card and temporarily refunded me the {$1100.00}. However on XX/XX/2021, BofA denies the claim stating below and did not provide any further information or proof and they will remove this temporary credit soon. 

The charge was authorized by you or by someone who has permission to use the card or account. 

I filed a police report, sent the police report to BofA. 
Big store like XXXX has multiple good XXXX, Has BofA checked the video footage? If so, please share. BofA sent me a fraud alert for this unauthorized transactions, implying this transaction is certainly out of ordinary. But now BofA denies the claim with no valid reason, I can not accept this decision. Please do a thorough investigation again including checking the video footage and refund my money ASAP. 

I am so disappointed to find out that my bank for 19 years does not stand up for me for valid fraud claim and thinks me as a criminal. I will follow through and do everything until this claim gets resolved. 

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

XX/XX/XXXX : I called XXXX XXXX about refinancing a rental cottage. They told me my credit report showed house was discharged ( lost ) in a bankruptcy. So I can not refinance. Rep told me XXXX never reaffirmed that I was paying. 

I called XXXX mortgage. They say their Bankruptcy dept will look into it. I could call back in a few days to see if they 've done anything (!! ) I checked the 3 Credit Reports. All of them show the following incorrect information : 1. That my cottage mortgage to XXXX was discharged in bankruptcy and now was closed. 

TRUTH ; It was not discharged. While it was on the bankruptcy list, I missed 3 payments to XXXX. Judge allowed me to keep the property. XXXX transferred the note to XXXX, who has a debt service contract with them. XXXX assigned a new acct number. 
I paid the back payments and then made every monthly payment. 

After a year of making EVERY payment, XXXX transferred note back to XXXX. XXXX used the original loan number. 

HOWEVER, XXXX NEVER REAFFIRMED MY PAYMENTS. 

Sidebar : XXXX also did not pay the taxes due XX/XX/XXXX because they said a ) insufficient funds in escrow even though I had been assuming they were collecting tax funds needed and b ) XXXX county allowed them to pay in XX/XX/XXXX. Result : I did not get the XX/XX/XXXX tax credit for taxes paid! They should be closed for this incompetency. If insufficient funds, it was their fault. I paid the mortgage and escrow! 

2. My credit reports ( 3 ) state that my mortgage to XXXX was discharged in bankruptcy and then just listed as transferred. 

RESULT : IT APPEARS I LOST TWO HOUSES IN BANKRUPTCY WHEN I DID N'T LOSE ANY!
Product: Checking or savings account

I noticed XXXX charges on XX/XX/year> from the same merchant, one for {$61.00} and one for {$20.00}, I immediately notified NFCU, and they said they'd block my debit card, and mail me a new one and then they would open an investigation, they never investigated, 10 minutes after I called them about the issue, they emailed saying that after a " complete and thorough '' investigation they determined the charges belonged to me, funny thing is, someone kept trying to use the card that was no longer valid, even after NFCU said the transactions were minethis was one of two reports I made to NFCU about fraudulent transactions, the other one involved several transactions from the same merchant " XXXX XXXX  '' the total amount of all transactions from that merchant was {$3100.00}. NFCU did the exact same thing with that fraud report as they did with the first one, after a few minutes, they determined after a " complete and thorough '' investigation that the transactions belonged to me, this of course is laughable, and those transactions do NOT belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

N accordance with the fair credit reporting act XXXX  XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX, 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 card or prepaid card

I had filed a New edd application and when i logged in my old bofa account i noticed transactions made during the time i was incarcerated and i gave no one permission at all to use it.my card was at home and my info is in my living room where i live so idk if someone found where i wrote my pin and found the card anyhow the reason they denied me was misinformation the person helping me on the claim never told me to send any documentation over .therefore denied me the dates of my incarceration are from XX/XX/2021 XXXX thats the farthest i can go within the year. ..my ex knows my information but she said shes not responsible if they were too look into the cameras they will see its not me on the cameras i told them this.the amount was around XXXX $
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my report and found several items on there to be inaccurate. Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S Code 1681i ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general is after anu reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the Consumer reporting agency shall- ( i ) Promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

I sent a letter on XX/XX/2024 asking them to re-investigate these accounts listed below. 

Inquiries - ( XXXX ) Open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

Inquiries - ( XXXX ) Open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

Inquiries ( XXXX XXXX XXXX  ) Open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

Inquiries ( XXXX XXXX XXXX ) Open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. Can you please look into this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters by mail to the credit bureaus ( XXXX, XXXX, and Experian ) regarding errors on my consumer credit report beginning with wrong personal information. It has literally been over 6 months since I've been sending them letters month after month and they have failed to correct my credit report and remove the wrong information I clearly listed out for them in my letters. They have incorrect current and previous addresses reporting on my credit report that despite my multiple attempts to have them correct the issue they have failed to supply any information to me and have failed to verify those addresses and furthermore have completely ignored me. I am to my wit 's end and I do not know what else to do. I am in fear and devasted that I have information reporting on my report of places I've never lived or even visited. My biggest fear of all is identity theft, as is everyone. I ask that you PLEASE help me and make them comply with the laws and assert my legal rights. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified both Transunion and XXXX of an account that arose from identity theft. I sent an affidavit via US mail certified. I included all documents that are required to report identity theft to consumer reporting agencies, including identification along side, Social Security card, which is needed to legalize an affidavit document. In response, neither consumer reporting agency followed, correct protocol outlined in the federal credit reporting act by blocking such information within four business days yet both companies have sent me a response, one electronically and one via mail stating they dont believe the documents sent In were made by me. Well thats impossible? The documents were notarized. This is blatantly knowingly and willfully, stalling my request and to continue to report this record that stemmed from identity theft. Most likely their response stems from the fact I identified the companies who committed identity theft against me, which is trans Union, XXXX, and XXXX. XXXX has since deleted such account. I have attached many documents associated that have been sent out in regards to the complaint.
Product: Credit reporting or other personal consumer reports

I am writing to express my continued frustration and concern regarding the presence of late open accounts on my credit report. Despite my initial dispute and the provision of supporting documentation, these late open accounts persist, negatively affecting my creditworthiness. This letter serves as my second attempt to request the correction of these inaccuracies. 

The late open accounts that I am disputing are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


I initially reported these inaccuracies to your agency on [ mention the date of your initial dispute ]. At that time, I provided all the necessary documentation to demonstrate that these late payments were not valid or were the result of extenuating circumstances. However, despite my efforts, these late open accounts continue to be inaccurately reported on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and up-to-date credit report. The presence of these late open accounts not only violates the FCRA but also undermines my ability to access credit, secure loans, and make sound financial decisions. 

I kindly request that your agency conducts a thorough and comprehensive reinvestigation into these late open accounts, reviewing the documentation I have previously provided and any new information that may be relevant. It is imperative that you take immediate action to correct these errors and ensure that my credit report accurately reflects my payment history.

Furthermore, I expect your agency to notify all the credit reporting agencies to which you have disseminated this erroneous information, as required by law, to prevent the continued spread of these inaccuracies.

I urge you to prioritize this matter and provide a written response within the legally mandated 30-day timeframe, confirming the correction of the late open accounts on my credit report. Please consider the significance of this issue and its impact on my financial well-being.
Product: Credit reporting, credit repair services, or other personal consumer reports

{$68.00} - XXXX XXXX is continuing to put old medical bills on my credit report that were removed repeatedly because I had medical insurance that covered the bill $ XXXX XXXX XXXXXXXX XXXX XXXXXXXX also is a company that continues to put a balance from a medical bill that was not only covered by my insurance but has been removed multiplies times in the last 2 weeks the dates are incorrect on both these bills and the companies need to be help accountable for this invalid information
Product: Mortgage

Follow up on Office of Comptroller Currency Case # XXXX. XXXX XXXX.
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 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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

This particular account has been charged off and they have a 1099c and I don't have a copy if it. They continuously keep trying to threaten and harass me for a debt that has been charged off awhile ago.
Product: Mortgage

Hello, We refinance a few years ago and we were unaware we would have to pay mortgage insurance for 11 years. 

When we closed our refi loan we had about a 60 % loan to value and thought mortgage insurance was normal for a new loan. 

We are currently around 50 % loan to value and don't understand why we're paying {$300.00} a month in mortgage insurance it's completely unnecessary. 

I've contacted our mortgage provider multiple times and they have said they could remove it but won't, they will not drop the mortgage insurance. 

Had we known they were going to force us to pay mortgage insurance for 11 years and not 2 we would have not refinance our loan. It's always been our understanding mortgage insurance is 2 years or 80 % loan to value. 

We need relief from this I've tried multiple times and the mortgage companies simply will not work with us
Product: Checking or savings account

I am a XXXX XXXX  and I placed 2 travel alerts on my account as I have traveled XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Sunday, I was able to make 2 transactions and my card would not work. I was unable to log in as online banking was not working at that time. I called in and waited 45 mins for someone to fix my card. Went back to you it and it declined. Called in, had {$0.00}. Spoke to PNC online and was told I had to call in. I call and was transferred to the fraud department. I came in VERIFIED! Lady states she told me I had to come in previously, but I had not talked to her before. I explained i put XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, my only source is income is my debt card. She would NOT inform me of what was going on with my account. I explained I am well over 2 hrs from any branch. 
She still wouldnt let know what is going on with my account. I ask for a someone else. And explain whats going on they looked up my location and stated I open an account online but its going to take 3-5 because I need to sign paperwork that will only go to my house. I go back to the fraud department and say, I understand that I need to go to a branch to open an account but I have no access to my funds! I need to get gas, food, I have to pay for my place to stay, my account is frozen and I have come through verified. Please lift it so I can get money! She says nope you should look into a XXXX or XXXX or have someone send me money! I explain all my money is tied to my account, my XXXX comes from my account, I pay my bills with my account, I cant have anyone send my money because its frozen and the money is just sitting there. She tells me No, I cant help you! I ask for a manager and she says shes an manager and wouldnt provide with anyone else. The only thing she can do is take a complaint. I try to give a complaint, she puts me on hold and says, theres nothing she can do. So I say how do i finish my complaint, she tells me its finished. I asked her whats in it and she states something like customer states that she received a call from an agent pretending to be a PNC rep and customer gave away sensitive information and compromised her account I explained I never said that I never got any calls from PNC, not even the usual automated call to verify debt! I explain again I never called about anything of that because I never got a call and you wouldnt tell me what was going on! She states she put complaint through. I reached back out on XXXX XXXX and was told my complaint would Be sent to the escalation department but that could take 2-3 days. I am stuck with no access until I get to a branch well over 2 hrs away from with no way to get gas to get there or a way to get food and shelter after my time is finished. I am in XXXX, XXXX XXXXXXXX which is well over 2 hrs to the nearest branch
Product: Credit card or prepaid card

This is to add to me previous complaint case # XXXX : in that complaint the primary issue was refusal to honor a Balance transfer/convenience check. <P/>Since, Huntington bank has again refused to honor a balance transfer/convenience check. This time it was to payback a loan I had to borrow to cover the previous balance transfer check Huntington wrongfully dishonored. Further, the check was written to a Business who 's account is with Huntington bank and they have been with Huntington for decades with millions yearly. TO add to this reckless and deliberate violation of our contract agreement. The owner deposited the check at the branch and informed the teller he personally knows me. Regardless, Huntington Bank did not honor the check and it has caused irreparable damages to myself and my daughter. My daughter does business with the owners of XXXX XXXX, however as a result of Huntington Banks wrongful dishonor of the check written to XXXX XXXX, XXXX XXXX contacted my daughter angrily, saying he did n't need to deal with these issue that compromises reputation and cancelled and further business relationships. My daughter is absolutely crushed. her company, XXXX XXXX XXXX generated XXXX XXXX- {$40.00} XXXX a year from the owner including one of the biggest events she manages for XXXX XXXX `` XXXX XXXX XXXX '' which she has already been working and organizing for months, all has been lost. Additionally, I have discussed possible action with my attorney ( have yet to hire him for this case ) he did some research into Huntington Bank 's contract and consumer statement. As a result I can know definitely say Huntington has violated the contract with me in numerous ways. For example, nowhere and I mean without doubt, there is nothing in the contract which states I must have a verbal conversation with anyone form Huntington. I have provided Huntington numerous ways to contact me, email, USPS, fed ex, or Huntington 's own secure messaging platform. Huntington is attempting to dictate they must have a verbal conversation with me over the phone. However, her is the true  problem Hunting now has. I am XXXX XXXX with a XXXX XXXX and I can provide medical records to ascertain that fact. Growing up in XXXX as a child I came down with an XXXX XXXX that was never treated properly, as a result I have XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I used a XXXX XXXX years ago, but these XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Therefore I stop using it. I manage with the XXXX XXXX I have left in face to face conversations, but rarely have telephone conversations. I mainly use texting and email. I believe thats all I need to say for now, just want a record of this because my daighte3r is researching a possible Class Action. Apparently this is not an isolated issue with Huntington and from my conversation with her, ( by text ) if she can make her case for a class action her lawyer will take it on.
Product: Credit card

Ive asked One Main Financial multiple times to update my last name to my maiden name. The first ID I provided was a government issued social security card showing my maiden name. They then requested my divorce decree and without it they wont update my last name. Ive now sent them the first page of the decree multiple times and now will not respond to my emails. I am only asking they update the name on my account to my legal name. Ive called multiple times and they continue to tell me to write an email. I have written multiple emails and provided sufficient evidence of legal name change.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I got an email from XXXX XXXX  around XXXX about a $ XXXX transfer that was in process. I attempted to call them, but my phone did not have a dial tone, I assumed due to the XXXX XXXX XXXX. I used my fiancs phone, only to find out over $ XXXX was in the process of being transferred out of my account. I was able to visit my branch to stop the transactions, close the accounts, and I switched banks. I visited XXXX and found out I was a victim of a sim-card scam. I changed carriers, got a new telephone number, and phone. I attempted to check my Experian credit file and the individual changed my email address, my secret answer to the street I grew up on to " XXXX  '', opened a " XXXX Checking account on Experian, was issued a debit card in my name, put my XXXX XXXX  account XXXX on the fraudulent account to use for transfers, and had applied to over XXXX credit cards that were approved. I visited the local police dept to get a police report and supplied this to the Bank, Experian, and XXXX to supposedly launch an investigation. When they finally let me into my account, I called all the credit card companies to let them know the applications were fraud and they were closed. Since XX/XX/2024, I've made many calls to Experian and keep being transferred to different departments. A rep in the fraud department was able to assist me with changing my email address and password to my Experian account but said they will not allow me to update my telephone number or security question without talking to " membership ''. Membership said I have to wait 90 days to change my telephone number because I just closed their XXXX XXXX Account, the fraudulent account. Now, when I open the Experian account the two-factor code system sends a code to the telephone number that was hacked. Because of this, I am not able to turn the hacked telephone off and am paying two carriers. I called Experian today and was transferred to 5 different departments and all are saying I cant change the number for 90 days.
Product: Credit reporting or other personal consumer reports

I've already tried to report my payments but they did not update them
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, a family member was scammed on XXXX and they took her identity. They convinced me to give them {$1000.00}. They asked me to transfer the money. I realized what was going on while the transaction was still pending at the bank. I told them that I was scammed and they opened a claim. 
Today I spoke to them and they told me they could not do anything for me. 

XXXX and BOA said again I should transfer money to family and friends only and I did, they were scammed! 

I demand they protect me and others from online criminals and refund my money since I followed their rules.