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

On XX/XX/XXXX I used Bank of America Bill pay to pay a second installment bill to a vendor who replaced windows at my house. The amount was for {$9900.00}. The vendor informed me soon after they had not received the bill payment. I requested a copy of the endorsed bill paycheck on XX/XX/XXXX and it was determined that the check was intercepted and fraudulently cashed. The vendor and I both immediately interacted with Law Enforcement and a Detective in Financial Crimes Unit was assigned. 

I opened Bill Pay Case regarding the incident on XX/XX/XXXX, but having no immediate response, I contacted Bank of America Fraud department. The fraud department also opened a claim after I explained the situation. I called for updates on XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX... XX/XX/XXXX. I most cases the only information provided is that it's still " being researched ''. 

On XX/XX/XXXX, I was informed that the Fraud Case was closed and for the wrong reasons ( Fraud at check creation ). I was told that I would need to request a reconsideration, which was immediately done. On XX/XX/XXXX calling for status I learned they closed the Fraud case  and was told I need to speak with the Bill Pay department who then said they were researching. On XX/XX/XXXX Bill Pay department tells me they are requesting funds from another bank and have their own claim but would not provide me the information. On XX/XX/XXXX I call, and I'm told they are working with the Federal Reserve, and it could take 3 months to 3 years. I requested case information to be mailed and was just sent the online Bill Pay messages with no information. On XX/XX/XXXX I call and am told that it should take years, I should see the funds returned in the next few days. On XX/XX/XXXX I call asking for further escalation and am again informed that it can take up to a year and they can not credit my account until they get funds from the Federal Reserve. 

Issues here are that Bill Pay team and Fraud team are confusing as to whom to call when. And internally they also do not seem to understand who handles stolen Bill Pay checks as I'm transferred back and forth, and claims are opened then closed. There also seems to be no protection for the consumer where it has been proven that this check was stolen, leaving the consumer with the weight of having to pay an enormous bill to a vendor who never received their payment. If you can not trust Bill Pay to pay the bills and protect you when fraud occurs, why use such a service or bank with such a company?
Product: Payday loan, title loan, or personal loan

i feel like i was tricked and preyed upon I never knew nor gave permission to run my credit. my credit is how they charge their interest rate on my credit rating in which they knew wasnt qualified for it but saw the equity in home. i am XXXX years why would i sign a 30 year loan A lot of the information was hidden from me the contract was done over the phone ygrene sent paperwork to my grandaughter email because i am illiterate and dont really understand english to understand all the terms are buried in FinePrint then I never signed the contract to this day. i wasnt told that i would pay them with property taxes and that they were putting a lien on my home. These people make you use their contractors, which I wouldn't have an issue with ... except they all quoted me 3x higher than 3 separate local contractors.. It's sad that they take a clean energy situation and turn it into predatory lending to take  advantage of consumers Excessive program fees, the program is represented as an assessment that is paid like taxes which made my mortgage go up so much that I can not afford my home anymore they charged application fees processing fee underwriting fee jurisdiction recovery fee??? 
recording fee disbursement fee title fee escrow fee energy audit fee origination fee bond trustee fee now i have a lien on my house for {$80000.00} i need this to be investigated i want them to stop going into my escrow
Product: Credit reporting, credit repair services, or other personal consumer reports

Last XXXX around XXXX Well Fargo number XXXX call me about an activity that saying my card was used in Alabama in the amount of & XXXX and {$300.00} @ XXXX XXXX. the person I was talking to said that if i want to reedem my account/money back I need to tell them the code that he will sent on me, and because its a Wells Fargo number I did trust and give the code that they sent me. And after that he keep on sending code and ask me the code over and over again like 20x and I also tell them that code cause thats what they want just to get back the money that was used in Alabama. I didnt think that it was a scam cause i trully trust that it was a Wells Fargo staff/representative so i give all they wanted, the call was almost an hour long. And after that call I check my online bank and I saw that all my money was gone and I call the Wells Fargo number that was indicate on the online app right away and report all what happen.Wells Fargo give me a claim number but then after over 10days I received a call from them saying my claim was denied. I dont know what to do I was scam for almost {$17.00} thousand .Please help me how to return my money back that I earn for how many years. Just in case please reach me out at my email address XXXX, my phone number is XXXX my name is XXXX XXXX XXXX. Thank you
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX NortXXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XX/XX/year> COMENITYCAPITAL/CHLDPLCE XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX Dispute of Charge-Off on Credit Report To Whom It May Concern : I am writing to dispute inaccurate information that appears on my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ) Section 605B. This inaccurate information relates to a charge-off listed under the account number 4781 The details of the charge-off, as reported, are inaccurate. 

Under the FCRA, I am requesting that you investigate this matter and either correct the inaccuracy or remove the charge-off from my credit report. Please send me a written confirmation once this error has been rectified. 

Thank you for your prompt attention to this matter. I look forward to hearing from you within 30 days, as required under the FCRA. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I have a loan with NAVIENT. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX   and NAVIENT were no successful resolution. NAVIENT was reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Information on Credit Report - FCRA Section 611 Dear Sir/Madam, I am writing to dispute inaccurate information listed on my credit report provided by [ Credit Bureau Name ] . Pursuant to my rights under Section 611 of the Fair Credit Reporting Act ( FCRA ), I am entitled to have any inaccuracies promptly investigated and corrected. 

After reviewing my credit report dated XX/XX/XXXX, I have identified discrepancies that necessitate your immediate attention : Account Name : XXXX Account number : XXXX XXXX. High Balance Discrepancy : o XXXX reports a high balance of {$6100.00}. 
o XXXX reports a high balance of {$6100.00}. 
o Equifax reports a high balance of {$5900.00}. 
XXXX. Last Verified Date : o XXXX : XX/XX/XXXX. 
o XXXX : Not reported. 
o Equifax : Not reported. 
XXXX. Date of Last Activity : o XXXX : XX/XX/XXXX. 
o XXXX : XX/XX/XXXX. 
o Equifax : XX/XX/XXXX. 
XXXX. Date Reported : o XXXX : XX/XX/XXXX. 
o XXXX : XX/XX/XXXX. 
o Equifax : XX/XX/XXXX. 
XXXX. Account Description : o TransUnion : Profit and loss write-off. 
o XXXX : Unpaid balance reported as a loss by the credit grantor. 
o Equifax : Amount in high credit original charge-off amount. 
XXXX. Payment Status Discrepancies : o XXXX : Charged off as bad debt. 
o XXXX : Unpaid balance reported as a loss by the credit grantor. 
o Equifax : Charged off account. 
XXXX. Days Late - XXXX Year History : o XXXX : No late payments reported. 
o XXXX : XXXX days late once, XXXX days late once. 
o Equifax : XXXX days late once, XXXX days late XXXX times. 


Given these discrepancies, I request an immediate investigation into these inaccuracies and prompt correction of my credit report. Enclosed are copies of my credit reports from XXXX, XXXX, and Equifax highlighting the inaccuracies.

Section 611 of the FCRA mandates that you conduct a reasonable investigation into these discrepancies. This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information, please remove immediately Therefore, I am enclosing copies of supporting documentation to assist in your investigation, including [ documents/evidence supporting your claim, such as billing statements, payment records, or correspondence with creditors ] I hereby request that you undertake a thorough investigation of this matter and provide me with a detailed explanation of your findings within 30 days, as stipulated by Section 611 of the FCRA. Should the information be found to be inaccurate, I expect prompt correction or removal from my credit report.

Furthermore, pursuant to Section 611 ( a ) ( 5 ) ( A ) ( ii ) of the FCRA, I request that you notify me of the results of your investigation and any amendments made to my credit report. Thank you for your prompt attention to this matter. I trust that you will handle this dispute in compliance with federal law. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX DOB : XX/XX/XXXX SSN : XXXX
Product: Debt collection

Well it certainly would have been nice to get a response long before now from XXXX XXXX. It would have alleviated a lot of undue stress that I didn't need to have. Received a response finally from XXXX -- I was attempting to tell you that something was amiss on your end. I just got the same info I already knew recited back to me. It always boils down to something I did, not that something may have gone wrong on your end. 
I was never notified that the account was going to charge off. You recite dates like I should have known all of this already. That is something that you say this new attorney got the account on XX/XX/XXXX when I didn't receive the note from XXXX XXXX XXXX until XX/XX/XXXX ( dated ), and I didn't receive the letter from THEM until XX/XX/XXXX ( dated XX/XX/XXXX ). You have to understand how confusing all of this is for an average person, this is not my life ( unlike yours ). It sure would have been nice on your end to clue me in before now. 
Apparently the note from YOUR attorney XXXX XXXX XXXX is not going to be honored. Seems extremely deceptive to me since they are apparently lawyers. They told me the issue was closed. I believed them since they were lawyers YOU hired. Seems deceptive and unfair. Can't believe ANYTHING that comes from your end. You don't honor anything, even letters that come from your OWN lawyer. I was tricked and deceived. 
I have been treated extremely unfair by your company. I am sick of the stress.About the checks you refused, I sent you a copy of the checks front and back in the complaint I sent. Did you not even bother to look at the attachments? So anxious to tell me NO on everything that you didn't read everything? Also sounds unfair. 
Like I said, I have no job, am unable to get a job, and have no money. This attorney you hired deceptively got me into a Payment Plan that I can not do or afford. I want to start paying on this, so since YOU hired them could you PLEASE tell them to stop the payment plan and I would like to set up one with you. Please call off them. I am fearing for my life with them sending me threatening letters and I want them out of my life. Can I please just set up a payment plan with you and could you drop the lawyer? Since I have XXXX income ( and XXXX XXXX has already zapped every XXXX of my savings ) I would like to do {$150.00} or more per month starting XX/XX/2020, and due on the XXXX until it is paid off. Please I can not afford what that lawyer intimidated me into. Please email me back, and please give me a prompter response than this time? Thanks
Product: Mortgage

This is a second complaint as after trying to modify my mortgage after a Covid forbearance my servicer of my mortgage, Rushmore Mortgage Servicer, has constantly been asking for the same documents over and over saying they did not receive them when I have proof they did. I resend documents AGAIN only to have the same thing happen again. This last one takes the cake! My modification has not been sent to the underwriters because they keep saying the package is incomplete. My last conversation with Rushmore they asked for a lease in which I sent to them. About 2 weeks later I called them to verify that my package was complete and they told me it was not and they did not receive the last 2 pages of lease. I told them thats IMPOSSIBLE as the lease I sent was 1 file. How could they get 6 pages and not the last 2 pages of the file. If a file is corrupted they would have no pages. The first person I spoke to was very adamant they did not receive and was of no help and insisted I resend. I did resend the lease 10 minutes later HOWEVER I decided to call Rushmore back. I spoke with a lady who was VERY helpful and actually looked into to see what may have happened. She then informed me that they indeed had received ALL 8 pages and that the person who probably entered the information neglected to select the last 2 pages. I asked her to note this on my file. She did. The reason I asked her to note this on my file was because my tenants had already received notice that I was in foreclosure. This is how these predatory companies steal your homes! They keep saying they do not have a complete package so they can not send it to underwriting. If you do not follow up in a timely manner they WILL FORECLOSE ON YOU! There are time limits in a foreclosure and if a Servicer can keep your package out of the underwriters hands who approve or disapprove a modification, you get foreclosed on. They told me several times my package was complete! The constant document misplacement along with Rushmore saying they never received docs that I had previously sent, has happened several times in the last 6-8 months! Had I not called in this last time, ( they told me on the phone the requested lease would complete my package so it could go to underwriting ), I would have been foreclosed on as according to the foreclosure paperwork sent to my tenants, I had only days left to respond. Now I have to call back in 2-3 days and MAKE SURE the underwriters are reviewing my package and that they have stopped the foreclosure while they review for modification. One last note. I sent a letter to Rushmore asking them to call me anytime if they needed documents or if changes were being made and also to keep me updated. In the last 6 months I have not received 1 call from this company. ONLY LETTERS, which tend to be delivered 10-14 days later than the date posted on the letter!
Product: Debt collection

My vehicle was repossessed and sold at auction by my original creditor and {$700000.00} was left over and charged offed. XXXX XXXX XXXX took over the debt and file a judgement against me in XXXX every seven years and never once notified me or serve me to come to court.I received a letter XXXX XXXX at my mothers address that a judgement was file against me in amount of {$22000.00} .The interest and fees have added up against me for over 20 years.I call the debt collector office about this letter that only had a case number and no court information about what county this was in. I called around and found the court by using the case number that is on the letter.I have been lied against and never notified or severed to come to court and this has impacted my life with credit and my financial well being for over 20 years because the debt is still adding interest and fees everyday and it will never give me a chance to pay off this astronomical amountXXXX and XXXX have destroyed me financially by doing damages behind my back and I never knew this was taking place.Please investigate and allow me to take legal action for the damages this has cause my life.I want the judgement dismissed from my name and record.XXXX and a XXXX and ford motor credit have a history of pulling these offensive acts against consumers for years and need to be stop.Their XXXX XXXX XXXX record has a log of all cases that they have cause damages against consumers for years!
Product: Credit reporting or other personal consumer reports

on XXXX XXXX I opened an account with XXXX XXXX XXXX for {$22000.00} for purchase of windows from XXXX XXXX. The first payment of XXXX was due on XX/XX/2024. On XX/XX/XXXX I went out of town until XX/XX/2024. During that time I had both my cellphone and laptop computer with me and I checked e-mail and messages daily. On XX/XX/XXXX I received a text from XXXX that my credit score had dropped from XXXX to XXXX because of an overlimit charge. On XXXX XXXX I Contacted XXXX and was told that it was because of fees that had been added to my current charge. I was not made aware of any fees other than the initial loan and never when I set up my e-account. I talked with the rep who explained what had happened and she told me that I could wait until the XXXX or that I could pay it then which, I did. She also assured me that this red mark on my credit would be resolved. It wasn't. Moreover, I opened the account on XX/XX/XXXX and an overlimit was reported to Experian on XX/XX/XXXX, four days after opening the account. Even worse, on XX/XX/XXXX they took another XXXX points off my credit score. For what I don't Know. In addition, after speaking with the rep and authorizing an online payment.
Product: Credit reporting or other personal consumer reports

SANTANDER CONSUMER USA - XX/XX/XXXX - {$350.00} XXXX - XX/XX/XXXX - {$0.00} On XX/XX/XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response, yet I feel like Im being take advantage of and ignoredonmydisputes.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX -- INQUIRIES XXXX XXXX - XX/XX/year> :
Product: Credit reporting, credit repair services, or other personal consumer reports

I NEVER gave, Equifax Information Services , LLC any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Credit Reporting Agency has caused severe stress and anxiety due to the abusive and unfair practices.

Equifax Information Services, LLC, should be ashamed of yourself for ASSUMING this role and position to constantly commit fraud and cause harm to consumers! 

These accounts are listed with late or missed payments and that is incorrect. The following accounts were NEVER late and should be listed as PAYS or PAID AS AGREED.
Product: Credit card

I purchased furniture from XXXX 's and started a credit account with them at Synchrony Bank to finance the purchase. The contract I signed stated that the interest rate was 0.00 % if all payments were made on time. 

I began making timely payments on XXXX XXXX in amounts equal to the minimum payment due to pay off the obligation within the contractual time frame. The problem began with the statement dated XX/XX/year> where the bank charged a paper statement fee of {$1.00}. I phoned the bank on or about XX/XX/year> and had the fee reversed with the promise that paper statements would continue without the fee. 

The next month 's statement dated XX/XX/year> showed the reversal of the {$1.00} paper statement fee, but the bank charged a late payment fee of {$30.00} and a minimum interest charge of {$2.00}. I phoned the bank again on XX/XX/year>, and after a lengthy conversation the bank agreed to reverse the late payment and interest fees. 

The next month 's statement dated XX/XX/year> showed the reversal of the XXXX fees, but the bank again charged a late payment fee of {$41.00} and an interest charge of {$2.00}. At this point I wrote a letter to the bank via their billing inquiry department, explaining the situation and asking that the fees be reversed. A response was received, dated XX/XX/year>, telling me their were unable to fulfill my request. 

After that, I received the XX/XX/year> statement, again charging a late fee of {$41.00} and {$2.00} interest. 

Again, I have made every contractually obligated payment, in full and on time, and I believe the bank is engaged in a predatory lending practice to charge fees and interest.
Product: Credit reporting or other personal consumer reports

I sent in a letter to investigate inaccurate information on my consumer report. The count Virginia XXXX # XXXX It came back verified. I asked for proper documentation proving the inaccuracies and for them to be updated. Upon checking my report it still contains inaccuracies. This will be my second time reaching out to have this resolved. Please delete this account Immediately as this has been damaging my account.
Product: Debt collection

XXXX from XXXX Texas in a case against XXXX and XXXX XXXX a.k.a XXXX, in the matter of a student loan continually roams the XXXX XXXX XXXX listings of XXXX names in a collection effort. For the past THREE ( 3 )! years I get the same call looking for XXXX and XXXX XXXX. Previous calls have come from many different States and Cities, once from XXXX XXXX. XXXX and XXXX are a XXXX listing. I am ready to document each caller and sue them for abuse, XXXX and XXXX having to been targeted illegally by XXXX XXXX XXXX.
Product: Mortgage

I sent my mortgage payment in in XXXX 2017 bsi has not cash -ed the check and the mortgage is late.i would like to know why the check has not been cashed
Product: Credit card or prepaid card

There were a number of fraudulent charges made on the card. TD Bank Fraud division recognized several as fraudulent and reversed those charges as well as cancelling the card and issuing another. The Fraud Dept representative advised they would look into the remaining dispute charges. All undisputed charges were paid in full. I memorialized all conversations in a follow-up writing to TD Bank.

I received a letter from the Fraud Dept. telling me all disputed charges were reversed.The next TD Bank statement included the disputed charges with interest and fees. I called the Fraud Dept. and was told to ignore that billing as all were resolved in my favor. Meanwhile I received a notice from one credit reporting agency that my credit rating had been significantly down-graded due to the TD Bank dispute.

I wrote TD Bank several letter throughout this period as well as phone calls. The letters were ignored and monthly statement continued to accrue interest and penalties. On one occasion, the fraud department ( in a phone call ) agreed to drop all suspicious charges but one ( 1 ) and agreed to re-investigate this last remaining disputed charge. That was three months age. No results on the follow-up but the statements continue unabated.