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

In summary, I filed a dispute for {$300.00} of a {$750.00} transaction that I thought was used on this card. However, when Bank of America set me the evidence of the charge, it is immediately obvious that this is fraud. After receiving the evidence provided, my claim is for the full {$750.00}, which was supposed to be only {$7.00}. 
I called the XXXX XXXX and was told to fax in my statement, which I did on XX/XX/2020. The delay was due to the Postal Service not handling the letter properly resulting in it's delivery on XX/XX/2020. The postmark on the envelope was XX/XX/2020 for a letter generated on XX/XX/2020. 
Despite statements by Bank of America, the letter was never uploaded to my claim center, which would have allowed me to respond quicker ; but they never uploaded the letter from XX/XX/2020. Bank of America sat on the claim for 2 weeks before forwarding to the merchant and never contacted me, instead relying on the Postal Service in a time that the country is going through a pandemic of epic proportions. 
In 4 subsequent calls, I have been advised that I basically was out of time due to Federal Regulations ; however Federal Regulations I was referred to showed that the process must be completed by or before 90 days, which would have been XX/XX/2020. They denied my review on XX/XX/2020. 
This is clear fraud and Bank of America is choosing to be a part of perpetuating the fraud and not protect my resources. 
I have demanded to speak to a person they refer to as " they '' to discuss, as the people answering the phone are merely data entry clerks. I have been denied the opportunity to speak to " they. '' The merchant has failed to prove it was me that signed that receipt and does not provide the evidence sufficient to correlate their defense in the letter. I have contacted the merchant again since XX/XX/2020, they referred me back to Bank of America also indicating that Bank of America should have never sent me their response and just denied the claim. Bank of America 's refusal to adequately review the claim, my letter and support a customer shows their willingness to participate in this fraudulent activity.
Product: Debt collection

I paid my frontier account in full. I started business with another company, and frontier said that my account was never closed properly and that I need to pay for services that I have not received. All merchandise was returned
Product: Payday loan, title loan, or personal loan

I was approved for a {$600.00} loan on  XXXX   XXXX ,  2017 . The {$600.00} was deposited into my checking account on  XXXX   XXXX . The first payment of {$180.00} was withdrawn from my account on  XXXX   XXXX . The  2nd p ayment of {$180.00} was withdrawn from my account on  XXXX   XXXX ,  2017 . The 3rd payment was withdrawn from my account on  XXXX   XXXX . On  XXXX   XXXX  I also called  XXXX  to make sure my loan would be paid in full after the  4th payment. I was then informed that my payoff balance was {$590.00}. I asked how that could be and I wa s told I was paying mostly interest. On  XXXX   XXXX ,    2017  I paid {$590.00} in addition to the 4th payment of {$180.00}. They would not let me pay {$590 .00} ( my payoff balance ) only. I expected a high interest rate for the loan but their interest rate is approximately 600 %. I ended up paying {$1300.00} in total for a {$600.00} loan that was repaid in approximately 7 week s time.
Product: Student loan

Wells Fargo has been harassing my wife and I over the past year. We are crippled by this debt. When we told, we could not make the high payments, first they suggested consolidating the loans. After consolidation, the payments became even higher. Then, we asked to have them unconsolidated and they refused. it took several phone calls. Also, my wife gets calls almost daily just letting her know a payment is due. The loan has been deferred since she took some classes. They have called her and our mother in law who is the cosigner. The information is inconsistent online and who you talk to in person. and you just get the run around. Today, I was about to make a payment and they refused to take it. They said it has to be a bank card. This was my last straw. I offer to pay the money and you refuse to take payment. This has been a huge nightmare, and this vendor should be barred from taking on student loans. My wife even was diagnosed with XXXX and is not able to work full time. Still, they wo n't offer any relief.
Product: Credit reporting, credit repair services, or other personal consumer reports

COMPANY : XXXX, XXXX XXXX, and Equifax 1. Bankruptcy deleted from my XXXX  report as being not verified ( satisfied with that outcome ). XXXX XXXX and Equifax refuse to delete and still write me back as verified! and still reports verified after several letters since XX/XX/XXXX sent to them by me from ( from XXXX XXXX and Bankruptcy court ) not verifying the information.

2. XXXX reports : These accounts on several reports now and years ago as closed, discharged in a bankruptcy, open again, to closed again making my score drop significantly low! 
A. XXXX XXXX XXXX : late payment remarks ( I do not have this account so why is late payments being reported ), under a bankruptcy ( says verified but I have written and sent letters from third party agencies and bankruptcy court saying they do not share this information )!, XXXX  deleted the Bankruptcy! Equifax continues to report this account as having a balance, using 49 % of my account limit which I do not have, charge off ( I do not have any charge offs ), an a open account ( big error ), all inaccurate, late payment remarks shouldn't be, Equifax have closed, reopened, and closed this account, false remarks on many reports before and now! causing a drastic drop in my scores! XXXX XXXX is reporting Chapter XXXX ( not verified ) the latest was XX/XX/XXXX. 


B. XXXXXXXX XXXX XXXX credit card ( XXXX ONLY ) I stress XXXX because an investigation was done on my open XXXX  XXXX account of XXXX in error by the bureua ( Equifax )!!! 
Equifax has reported this account several ways from XXXX as in a bankruptcy ( not verified ), and closed by consumer which is it? Please delete! XXXX  reports its in a bankruptcy ( a bankruptcy that they couldn't verify so it was deleted from there reports )! and so does XXXX XXXX! 


C. XXXX XXXX : Reports as closed on my XXXX  report ... Equifax : shows as a open account on my Equifax report : I do not have an open account with XXXX XXXX! It was first reported as verified in a bankruptcy in previous reports which is it??. XXXX XXXX reports it as in a Chapter XXXX bankruptcy ( not verified ) I sent documentation to them as well! 

D. XXXX XXXX Auto Finance : Credit bureaus have reported previously discharged in a bankruptcy ( unverified ), and now this account mysteriously reporting open on my Equifax and XXXX  reports..I do not have this open account!!!!!! ( Not accurate should be deleted ) its reading I am 30 days past due on this account, seriously deliquency60 days past due or more, verified by furnisher as an open account! ( inaccurate )!!!!!. These remarks and reports are wrong should be deleted! and my scores restored. I have dropped over 20-40 points with this wrong information back and forth on my reports, opening accounts that's closed, reopening them again, only to later give remarks as charge off, bankruptcy or whatever comes to their minds at the time!! If the bankruptcy can't be verified delete it and any said accounts associated with them!!

Thank you for any assistance
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Capital 1 Bank as well as XXXX  on XX/XX/XXXX and on several different other occasion, after they did not respond to me in writing, to notify them of the inaccuracies on my credit report for my Capital 1 Bank card that was opened on XX/XX/XXXX. They are incorrectly reporting the minimum payment amount due as {$53.00} and the balance used as {$1200.00}. Please note the minimum payment amount is {$25.00} and the balance is {$0.00}, as this card was paid off. Please update!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax lost my personal/credit information to a cyber attack.
Product: Mortgage

I am in the process of applying for mortgage assistance through the XXXX XXXX XXXX XXXX. I am working with a community organization, The XXXX XXXX XXXX XXXX XXXX XXXX, who is currently been awarded a grant to help non-English speaking homeowners, with the application submission and review process. I am eligible per the program requirements but am having an issue during the review processXXXX XXXX review team has submitted a request for an official mortgage balance statement to Mr. Cooper, my mortgage servicer. However, Mr. Cooper has not cooperating and the review process is currently at a limbo. I have made several attempts to contact Mr. Cooper directly, and they have not been cooperating. XXXX has told me that they can not reach out to the loan servicer directly. My case number with XXXX is XXXX. My loan number with Mr. Cooper is XXXX. Please help. Thank you.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was completely taken aback this morning when I saw inaccurate accounts on my credit report, and I have no clue how they got there. I regularly monitor my credit report, but today there were discrepancies that just didnt make any sense. I tried refreshing my browser, hoping it was just a glitch, but the errors remained. This has me really concerned, and Im requesting that the documents Ive submitted be carefully reviewed so that I can stop worrying about this.
Product: Mortgage

My XXXX loan was from XXXX XXXX ( From XXXX XXXX/XXXX/XXXX ) transferred to XXXX on XXXX/XXXX/XXXX and now got transferred from XXXX to Bank of America on XXXX/XXXX/XXXX. I have been paying online on time and I was charged {$12.00} XXXX from XXXX to XXXX. I received a check from you regarding a penalty refund from XXXX XXXX ( CASE XXXX Document XXXX Filed XXXX/XXXX/XXXX Page XXXX of XXXX http : XXXX ) XXXX stopped charging me the {$12.00} online fee effective XXXX to XXXX. 

When my loan was transferred again to Bank of America effective XXXX/XXXX/XXXX, I have been paying online on time before the grace period. On XXXX/XXXX/XXXX, I was charge a {$6.00} fee and my grace period is until the XXXX of each month. Is this a valid charge? 

My first mortgage at XXXX has not charged me any of these fees. I have been paying online on a timely manner since XXXX. 

Please advice.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX store credit card was transferred to XXXX in XX/XX/2020. I've always paid the card on time, and when it was transferred, it had a XXXX balance. 

I'm in the process of getting a mortgage, and my mortgage broker found that XXXX is reporting that I have a balance with XXXX/XXXX  of {$110.00} and a past-due amount of {$32.00}. Since ( a ) I've never been late, and ( b ) the account is closed, I called XXXX to ask them to resolve it. 

After talking to 5 people, four of whom were supervisors ( and all of whom acknowledged that they didn't see any late payments or outstanding balance ), no one was willing to take ownership and resolve the issue. 

Because the rate lock for my mortgage is approaching expiration, I don't have time to send a letter to XXXX and wait for them to fix the problem ( the error that is acknowledged by all of the five reps and supervisors to whom I have spoken ). Timing aside, it's incredibly frustrating that they will not take ownership and resolve their error, and that their error should require me to battle the bureaucracy.
Product: Credit reporting or other personal consumer reports

RE : XXXX Block Request To Whom It May Concern, I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

ACCOUNTS : XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$7900.00} XXXX - XXXX - XX/XX/XXXX - {$900.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Debt collection

On XX/XX/XXXX I open a car loan with Consumer Financial services in the amount of {$8100.00} and it was paid off. On XX/XX/XXXX another car loan was taken out in the amount of {$7200.00} and was paid off. I noticed a collection from the same company for a 3rd account in which I was not aware of. This account was opened on XX/XX/XXXX and has a past due balance of {$5600.00} as of XX/XX/XXXX. I then reached out to the company to dispute this. They tried to claim they were not sure what I was talking about. Shortly after I received threatening phone calls from a man who claimed to be the lawyer representing the finance company. He proceeded to call me more than 15 times a day stating he was at the court house due to the balanced owed and if i wanted to avoided getting jail time I'd need to meet him at the finance company and pay the balanced owed. I than contacted the company and they refuse to acknowledge the situation. It got to the point where they started to call my job and threatening my boss with legal action if I did not pay the balance owed. I eventually had to find a new job due to the constant harassment. I then decided to go to the police station to file a report on the incident. I was to provide all information on my car including registration and the legal contract. After the VIN was put into the system I was informed my car had been reported stolen a few weeks before I purchased it. I went ahead and called CFS to explain the discovery. I was called a liar and was told I personally reported the car stolen when I did not. Shortly after that I started getting the calls again threatening to throw me in jail. After that CFS took my car and said it was out of their hands. This company is UNPROFESSIONAL and ROBBED me of my money and sold me a stolen car. They refuse and deny opening up the 3rd loan account. I disputed this with XXXX XXXX  and it was removed.
Product: Mortgage

On XX/XX/XXXX Freedom Mortgage abruptly stopped taking out automatic mortgage payments from our account with no warning or written explanation. In the following weeks when my wife noticed she immediately called to see why the payment hadnt come out. They said that she was in bankruptcy and they couldnt speak to her without her lawyers permission. This was false. She was not in bankruptcy or tied to any bankruptcy and so she doesnt have a lawyer. I, her husband who is not a borrower filed a single chapter XXXX bankruptcy and they said that somehow our previous mortgage company XXXX XXXX  triggered this into their system. Anyway they said there would be no late payment because its not my wifes fault but we would have to send checks until my bankruptcy was over. My wife immediately sent the check and we continued on time ever since. They lied and were dishonest because they still reported a late payment to all credit bureaus. When we spoke to several supervisors they all acted as though they wanted to help and they were on our side because the late payment was not our fault. However, they still came back with the conclusion that they were right in reporting the late payment to the credit bureaus with no explanation. My lawyer explained that in her bankruptcy practices she has never experienced a mortgage company that froze the account due to the single bankruptcy from a no borrower and that this was crazy and absurd. My wife was planning on refinancing and now they have made that impossible in the near future because of their dishonest and immoral business practices. If we didnt have the money and/or didnt make payment on time for that reason then we would take responsibility. This is clearly not the case. We have a lawyer right now that is willing to file a suit against them but we are weighing our options because we will have to pay the legal fees if we settle and we know that they will settle because they are 100 % wrong. Freedom Mortgage should be ashamed of their selves for taking advantage of working families during a global pandemic. I will pursue this to the furthest extent of the law until it is rectified and this is only the first step.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have disputed fraudulent inaccurate information with Transunion on several occasions. The most recent was XX/XX/XXXX2017 when I sent certified letter requesting originating documents of a student loan that is on my report twice. The response I received was that information was verified. I did not request " verification ''. I want all the original documents that were applied for with my name. I did not apply for a student loan, sign a contract, receive funds, or authorize use of my name. I advised them to delete this inaccurate information if they wont send me the requested documents. 

The first account is XXXX XXXX XXXXXXXX # XXXX opened X/XX/2017 The second is XXXX XXXX  XXXX # XXXX opened date X/XX/2017 The second account is the same loan with a variation of the banks name with an inflated balance and changed opened date, this also gives the illusion that these are two separate accounts when they are in fact the same account. At this point I cant even access my account online to view or dispute the information again. The supplied phone number has me holding over 97 minutes now, I really need assistance trying to deal with this company.
Product: Payday loan, title loan, or personal loan

I originally opened my personal loan with XXXX in XX/XX/XXXX and my payment scheduled followed my bi-weekly check with a payment amount of {$230.00}. In XXXX of XXXX I contacted XXXX and submitted documents to show my change of employment and the change in payment scheduled. My new payment scheduled went from bi-weekly to bi-monthly and my pay dates were the XXXX and XXXX of each month. XXXX  was submitted a copy of my new employer paystubs and approved my new payment scheduled which began on XX/XX/XXXX. Since the change in my payment schedules which by approved by XXXX  my account has been drafted on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX respectively. On XX/XX/XXXX XXXX withdrew a payment in the amount of XXXX which is twice the amount of my normal scheduled payment. This payment is not in accordance with my payment schedule. I went online and reviewed my loan contract and my payment schedule which stated that the amount payment amount to be drafted from my account on XX/XX/XXXX was to be XXXX. XXXX has refused to refund the overpayment and has stated that once payment is made it can not be refunded. I was required to contact my bank and have all transaction from XXXX blocked because they are making unauthorized transactions from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and I am upset on what I found out. There are late payment remarked on it but I did not incur any late payments. Thoroughly investigate it and make a necessary action. Here are the details of the late payment accounts, company name, balance & date last reported : XXXX / {$0.00} / XX/XX/XXXX XXXX XXXX / {$160.00} / XX/XX/XXXX XXXX  XXXX / {$0.00} / XX/XX/XXXX XXXX XXXX  XXXX / {$0.00} / XX/XX/XXXX XXXX XXXX  XXXX / {$0.00} / XX/XX/XXXX
Product: Credit card

I made a purchased from XXXX XXXX on XX/XX/year> for {$2500.00}. I opened a new account at the store with Synchrony Bank on a 6 months same as cash agreement and was told if I pay it off in full within 6 months it would be same as cash. I started making $ XXXX  monthly payments automatically with the XXXX XXXX XXXX of my XXXX XXXX checking account. The first {$400.00} payment was received by Synchrony Bank on XX/XX/year> for the payment which was due on XX/XX/year>. Because the payment was sent early they apply it to the balance on the account but they did not consider it as the first payment, they said it was a " pre-payment ''. So the next {$400.00} payment they received on XX/XX/year> was applied to the payment due on XX/XX/year> as a late payment and charged me late fees and interest. They continued to apply every payment I made as a late payment for the current month instead of an early payment for the next month. This is all because they did not apply my first payment to the fist payment due on XX/XX/year>. I did not realize I was being charged late fees every month until I went to payoff the account in full and get the remaining balance. That's when I noticed all the late fees. I call them and explained the situation and asked why they did not apply my first payment the first due date and they said because it was paid too early and their system could not handle a payment made that early. After speaking to numerous representatives I managed to get them to waive 2 of the late fees, but I was still charged a total of {$77.00} in fees and interest. I made the final payment that day to payoff the account in full and avoid any further late fees. So basically I was penalized for making all my payments early. I don't think that's right and I'm concerned that this will negatively effect my credit rating as well as being overcharged. Thank you for your assistance in this matter.
Product: Checking or savings account

I wrote to PNC ( XXXX ) on XX/XX/XXXX, at XXXX XXXX  to inform them that my debit card and cellphone were stolen and to request that my account be frozen. The email address XXXX is designated for reporting fraud, and this was my only way to contact them because my phone had been stolen. Additionally, I could not log into my account online because my phone had been stolen and I couldn't do two-factor authentication. PNC did not freeze my account, and at around XXXX XXXX, my PNC debit card was used to make a purchase at XXXXXXXX XXXX XXXX  ( which I am not a member of and have never been a member of ) for {$1400.00}. 

After realizing this, I went to the XXXX Police and made a police report. Additionally, the same day, I called PNC, verified my identity, reported the stolen card, and disputed the charge immediately. The same day, I went to PNC in person at the XXXX PNC Bank Branch XXXX XXXX and spoke with staff there to inform them of the theft and to request a replacement debit card. 

Subsequently, I disputed the {$1400.00} charge using the PNC App and inquired again on XX/XX/year>. The funds have still not been returned to my account. I simply want the funds returned to my account as soon as possible, as I have been waiting for almost a year and have missed out on opportunities to invest that money. 

The XXXX police ( specifically, Detective XXXX XXXX ) were able to verify, using security footage, that I was not the person who used the card at XXXX 's XXXX. In fact, two other credit cards were stolen and used, and those credit cards ( XXXX XXXX and XXXX XXXX managed to either block the charges when I reported them or completely refund me. PNC has refused to reimburse me.