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

Bank of America ( BOA ) was contacted the beginning of XX/XX/XXXX and claim # XXXX was submitted in reference to the dispute with XXXX XXXX. When the claim was submitted, I explained to the BOA representative my claim was in reference to the quality of the merchandise, and possible " Bait and Switch '' because the merchandise advertised on their website is not the merchandise I received and also submitted photographic proof. I explained I had contacted the merchant multiple times and I never received a response. BOA contacted me on XX/XX/XXXX advising me the claim was denied, not based on the claim at hand, but stating the transaction was valid because they provide proof of the transactions. Bank of America failed to review my claim properly or the documents submitted. I contacted BOA on XX/XX/XXXX to advise them my claim was reviewed incorrectly and it was based on if the transaction was valid or invalid but the quality on XX/XX/XXXX I received another response my claim was denied. This Bank use to have a good corporate structure, but it horribly ran now, and I base this on how my claim was presented to merchant incorrectly after all documents were submitted.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company shared my account with a third-party collection company ( XXXX ) before notifying me via mail of the account. They also have failed to validate this account being mine from me disputing this account since last year. They were reporting the debt as XXXX in XXXX and sold it to XXXX and now XXXX is reporting XXXX which means someone is lying about this account and no one has validated the account with proof of these amounts nor documentation that the account is even mine. I have also filed an FTC report and Police Report last year due to being a victim of identity theft but Exeter disregarded disputes and continues to verify this account with the bureaus. ( I have attached XXXX reporting of the XXXX from exeter and XXXX XXXX & FTC report filed last year. )
Product: Credit reporting or other personal consumer reports

My account was charged off by XXXX XXXX after my vehicle was totaled ( XXXX did not cover my full car payments ). I made payments every month up until XX/XX/XXXX and I was told by XXXX XXXX that my account was charged off on XX/XX/XXXX. I was contacted by a XXXX XXXX representative at the end of XXXX to make a full payment by XX/XX/XXXX for the account to be fully closed. I was never notified of a charge off being put into my account for any reason during that conversation nor on did I receive any mail regarding a charge off on XX/XX/XXXX. The charge-off was actually reported to XXXX, XXXX, and Equifax on XX/XX/XXXX. On XX/XX/XXXX, I made a full payment on the account. Now they are reporting it to my credit report as Paid Charge off. This is a violation of my consumer right as I was never notified of any charge off going into my credit report. I paid every month as instructed by the XXXX XXXX XXXX representative that was in charge of my account. Please remove this charge off off of my credit report it is a violation of my of the Fair Credit Reporting Act rights.
Product: Bank account or service

Chase Bank closed my account without notification for a mistake that they made and I had to wait almost 30days to get my money back because of their hold policy on an account less than 30days old. They closed the account with XXXX $ still in the account and did n't say why it was closed just when I went to use it I got denied. They wo n't close this account until almost 20 days since the account was in process of closing. They have no reason to hold the money because they will not allow any transactions to go through. This has almost messed up my daughters child income not allowing despisers to be made. They have lied about why and how long they would be holding the money and I can not access my own funds.
Product: Mortgage

I have a mortgage with Roundpoint Mortgage. I have always escrowed my mortgage since holding the mortgage. When the loan was transferred to Roundpoint, the escrow was moved over from XXXX. Roundpoint continued to reflect my mortgage as escrowed. I ended up having water damage on my house and once I filed a claim, they said i had no insurance. They had stopped paying my insurance company but continued to collect my escrow payments every month. I asked what they did with my money every month and they did n't know. All my statements reflected they were still collecting and that i had an active policy. They ended up getting a forced placed policy in place to correct the error. They later sent me disclosures after the fact and said i was responsible for paying for it for their error. They assessed over XXXX on my accounts, failed to correct the statements and now my payment has gone up XXXX every month. They also sent me documentation saying they were adding it to my princial balance on my loan. I have called on numerous times to try to resolve the issue and even filed with the XXXX who sided with me. They have failed to correct the issue after repeated attempts and no one returns my calls. They can not explain why my payments went up as they state i now have a shortage but i should n't based on always escrowing my account. What did they do with my money all this time?
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are incorrect, and they are adversely affecting my livelihood. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I was 3 months late making the payment when I went to make the payment I seen it went from may balance XXXX to over XXXX dollars, I hadn't used the card since XXXX for XXXX so I called and asked for them to explain it she said it was from return check fees which I shouldn't of had because I called and got it off when I was having problems with my XXXX account not putting my direct debit through because my card was off and I couldn't change it myself cause of my phone being broke, so she went back and credit my account for the return check fees and late fees back from may however there is still over XXXX dollars of unexplained fees she said at first it was credit protection which is only XXXX dollars and something a month none of the statements show why there is still over XXXX, I would like to know how that's even possible it only brought my bill down to XXXX, something isn't right with this, and they can't give me a good explanation that fits why there is still over XXXX in fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the credit bureaus was dated XX/XX/2022 ; but I never received a response from them. These accounts must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXXXXXX 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 card or prepaid card

On XX/XX/2023 I came to XXXX XXXX XXXX to apply for a Business checking, savings and XXXX XXXX XXXX XXXX XXXX XXXX under the name of my business [ XXXX ]. I left XXXX XXXX XXXX with a folder containing information on my Business Checking and Savings Accounts along with promotional materials for the XXXX XXXX XXXX XXXX XXXX XXXX. 

XX/XX/2023 activated what I understood to be my XXXX XXXX XXXX XXXX XXXX XXXX and made 2 purchases ( XXXX from XXXX XXXX and XXXX from XXXX ). 

Called XXXX XXXX XXXX branch on XX/XX/2023 and called XXXX XXXX the same day to report the error ( within 30 days ). 

I was advised by XXXX XXXX  to reapply for the card with the assurance that my credit could be fixed due to Banker or Credit Card Company error after XXXX XXXX XXXX submits documentation on the error. I did so under that advice on XX/XX/2023 with [ XXXX ] at my local XXXX branch. 

On XX/XX/2023 XXXX XXXX contacted XXXX XXXX XXXX saying the credit report can not be corrected due to card activation and transactions being made which is in direct opposition to their previous advice.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive pulled my credit report and the account with XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX and with Experian XXXX XXXX XXXX its showing a late payment in the month of XXXX XXXX XXXX  which is illegal and violation. According to 15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I did not receive any type of notification at all.
Product: Credit reporting or other personal consumer reports

XXXX, Equifax, XXXX I have been disputing information on my credit report for the last few days, XXXX, XXXX XXXX, XXXX is out of business, XXXX is out of business, I've paid all XXXX accounts off on time there was no chargeoffs, account is wrong, The credit bureaus have the wrong addresses, wrong names, XXXX has XXXX social security numbers, All three bureaus have wrong names and addresses, and jobs I'm retired The credit bureaus needs to do better.. I would like for the XXXX accounts to be deleted off of my credit report. XXXX sent my account to lender who is the lender
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending out letters to the bureaus and have not heard back. I sent several letters over the last 5 months and have received no letters or updates on my credit file. I will attach the letters on this complaint but there have been several others.
Product: Debt collection

My car was stolen was stolen on XX/XX/2020 and report to the City of XXXX Virginia on XX/XX/2020 with a report number of XXXX. The person who stole the car was in an accident XX/XX/2020. I know nothing other than this about the accident. The person was hit by the stolen car had XXXX XXXX XXXX. My insurance, XXXX, denied the claim in the accident since the car was stolen. National Service Bureau is attempting to collect a subrogation claim on behalf of XXXX XXXX from me to the value of {$4700.00}. 

I received a letter asking for my insurance information and my insurance responded on XX/XX/2020. National Service Bureau continues to try and collect on a debt that is not owned even after they were contacted by insurance.
Product: Credit reporting or other personal consumer reports

I have reached out to affirm to get the loan I took out paid off but they tell me the loan was sent to the debt collector and that I have to contact them but when I tried to contact the debt collector they tell me they dont have any information and that they cant find me in the system but I cant pay my loan if I cant access it to pay it and thats a problem when it keeps hurting my score I have even reached out to XXXX to see if they can stop saying its delinquent when I cant access it to pay it off and they tell me its accurate with what affirm is reporting
Product: Vehicle loan or lease

they repossed my car after I made a deal with him, and they promisse because I am making a large long sum every month. but few days later they sayid they called on 2 numbers that I don't know where where they came from trying to reach when they have my cell number on file to thell they ned a payment. I forgot to nention the only option they gave me is to make the payments through them only
Product: Checking or savings account

Bank of America Fraud dept has denied me temporary credit of {$210.00}
Product: Credit card or prepaid card

Okay so I bought something on XXXX, it came defective so I returned it, after one month of constantly calling XXXX they told me they would refund me ( I have the screenshot ) after that they closed my account and told me they wouldnt refund me (? ) So I tried disputing with my credit card company but they didnt help me either, actually I think they didnt even submit the right reason for dispute, because the reason to close the case against my favor was : confirmation showing no cancellation per policy was received So Im asking here to please help me with this matter
Product: Checking or savings account

Chase had given me on my account XXXX dollars on XX/XX/year>. I didn't report this to chase because I believed it was the XXXX rental company giving me my deposit back for the rental I just returned that day which cost XXXX dollars plus a XXXX dollar holding fee. I rented longer than I expected so I was surprised when the money was in my account. However, I didn't notice until today that the money was never posted to my account. I woke up today and there was XXXX dollars missing out of my account. I looked and realized that the XXXX dollars was never in my account like it had been seen on XX/XX/XXXX so I was using money that I didn't know I didn't have because chase was showing me that I did have those funds and even sent me email alerts showing my account still in the positive after every use so the system itself registered the money as being in my account ; hence, why the overdraft protection never stopped my card even though it should have. I tried explaining this to chase but to no avail and no one knows why or how the XXXX dollars appeared in my account. They took that XXXX from me for thier systems mistake and claimed that it was because I didn't report it despite me telling them I didn't know it wasn't XXXX giving me my money back until today when XXXX was taken out of my account on payday and I told them that for the past XXXX  days my account never reflected a negative balance either because it was still registering the money that appeared into my account. Thus amount was never posted on my statements or on thier side. I just wanted them to fix the problem and refund me the amount instead of making me pay for thier systems mistake. I have screenshots of every email alert they sent me with the amount showing I was in the positive depsite the money not being posted to my account. Either way I was guaranteed I was never going to be over drafted because I opted out of overdraft protection from the bank and got it to go into my savings. However, if the savings have no funds then the card is to decline any purchases from being made.
Product: Prepaid card

I purchased a prepaid card from XXXX with the amounts of {$300.00} on there the card was supposedly never correctly activated at the store I have contacted them got in a hold of XXXX  XXXX  I've sent them everything possibly needed I emailed them over five times I faxed and over two times everything that they needed from me and every time I do get a call I either get disconnected or they hang up on me and this has been since XX/XX/2023 and all I want is my money it's been over every time I talk to them they tell me to send it in again and wait 10 business days 10 to 15 business days no I'm not doing it again I want my money
Product: Credit reporting, credit repair services, or other personal consumer reports

i got a notification from XXXX XXXX XXXX  that their had been a hard inquiry credit pull from XXXX XXXX XXXX. i tried contacting XXXX but my call kept getting routed to XXXX. i tried contacting equidad online and on the phone to file the dispute they would not investigate
Product: Vehicle loan or lease

I have a recent XXXX loan ( XXXX/XXXX/XXXX ) agreement with US Bank on my vehicle. Before the first payment was due I paid $ XXXX of the $ XXXX principal then followed up with the first agreed payment $ XXXX by the due date in XXXX. 

When I logged in XXXX to make another payment, the online system showed I owed {$0.00} minimum payment, which makes sense due to my recent payment activities. I logged back in today and shows now I owe 2 months payment and they hit me with a late fee. Plus they updated the digital pdf statements showing I owed minimum payments. 

I have contacted them and am waiting to hear their response to the above. I am not happy with the business practice revealed by US Bank. I also reminded them that we still have a 72 month agreement in place to pay off this loan and so expecting after paying $ XXXX down to continue making the same monthly payments, would pay the loan off well under 72 month agreement. 

Respectfully, XXXX
Product: Debt collection

So far i sent 3 dispute letters. XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX all requested that this company KIMBALL TIREY & ST. JOHN validate an alleged debt that they say that i owe and they are reporting it as a valid debt to XXXX and XXXX but ignore me when i ask the to prove it. So it has been 120 days since my first letter and they have ignored me. They are violating my rights as a consumer knowingly. And i've recached out to the credit bureaus two and they also are ignoring my requests. I am a consumer asking for validation under the Fair Debt Collection Practices Act and this company reporting this alleged debt has failed to live up to their legal obligations. As a resort i am asking you guys to enforce my rights as a consmer because this is stressing me out and hurtig me from buying a home.
Product: Credit card or prepaid card

Complaint : A US Bank customer service rep directed unfair and derogatory states to me during a phone conversation. Her statement, " The payment you made to your credit card is on hold, because XXXX XXXX can be done this way. '' Facts : On XX/XX/2018, I made a payment of {$13000.00}, to payoff the balance of my US Bank credit card account ending in # XXXX. This transaction was done on the phone, facilitated by an account specialist. She transferred the amount from my US Banking checking account to pay off the balance. ( Those funds came from my external XXXX XXXX investment account which was already held for three days and funds were now available to use ) She said the payoff balance was paid in full. 

On the morning of XX/XX/2018, I checked the account online and I noticed the available credit was only {$1100.00} for an account with a credit limit of {$13000.00} that had been paid off in full. I called to speak to a US Bank customer service at approximately XXXX am to get clarification. After a few minutes of conversation and investigation she informed me that, there is a hold on the account because my transaction was out of the norm for my account. I explained to her that I did not think it was fair and I was not told this would happen when I made the payment. Part of her explanation was, The system flagged the transaction, and that money laundering can be done this way!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX  XXXX - ; XXXX, XXXX XXXX Balance {$1300.00} ; XXXX XXXX  XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX Balance {$8000.00} XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I see several 120-180 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Product: Debt collection

I received a call from Senex in XXXX stating that I owed XXXX dollars for a medical bill from XXXX. Being that the bill was from XXXX Hospital ( XXXX ), I was suspicious. I 've been living in XXXX since XXXX XXXX and could not have charged any medical bills in XXXX during the referenced time period. I requested additional information from the credit agency and informed them that the bill was not mine. I was informed that they would request a signature from the hospital and send it to me in order to verify if I was the person that signed for the referenced service. As of today, I have yet to receive this information. In addition to reaching out to collection agency, I contacted XXXX to dispute the charges that appeared on my credit report. After 3 weeks, I received a response stating that the investigation was closed and it would remain on my credit report.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed account, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the listed account from my file. 
XXXX XXXX XXXX
Product: Credit card

I have never made a purchase with the company that charged my card. I have received nothing from that company and have no way of contacting them. There is no contact information for the company provided from my credit card company. 
The purchase appeared on my credit card statement on XXXX for {$100.00}. 
I have contacted Elon Financial Services ( credit card company ) to dispute the charge multiple times and have now reopened the dispute for a second time as of this XXXX, XXXX. They sent me paperwork via XXXX mail to fill out and return. I did so. The representative I spoke with this morning can see in their system they received the paperwork and also that they denied the claim because of lack of that same paperwork. My last call about this to Elon Financial was on XX/XX/year> where they said they would have a supervisor from the claims department call me back. This has not happened. 
In short : - I did not make a purchase with the company that charged my card- I do not know who the company that changed my card is - My dispute of the charge has been ignored by Elon Financial - Elon Financial has lied about their actions in multiple ways
Product: Credit reporting or other personal consumer reports

Experian is reporting fraudulent addresses on my credit report, which are not mine, I have never lived at this addresses. 

These are the addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX
Product: Debt collection

XX/XX/2020 : Threatened by written notice that my taxes would be garnished.
Product: Debt collection

I received laboratory services from a provider that was not covered by Medicare although I did not know it at the time and when I received my Medicare statement, it showed the charges and stated that Medicare did not pay anything because the provider was not covered by Medicare when I received the service. I was contacted by an attorney to collect the debt. I mailed him the Medicare statement showing that the maximum amount the I should be billed is {$0.00} and also sent information about the Medicare No Surprises Act. I received any letter asking for the claim form from my secondary insurance provider ( XXXX XXXX XXXX XXXX ). They did not pay anything because Medicare did not pay. I recently received a third notice from the attorney demanding payment.