23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Company Information : - Company : Bank of America XXXX XXXX : Account Information : - Account Ending : XXXX - Claim Number : XXXX - Disputed Amount : {$2600.00} Complaint Description : I am filing this complaint against Bank of America regarding the denial of my fraud claim. Despite providing ample evidence that the transactions in question were unauthorized, Bank of America has repeatedly denied my claim, causing significant mental stress and eroding my trust in the institution. 

Timeline of Events : XXXX. XX/XX/year> : I received a Bank of America mobile ( and text ) alert regarding a suspicious transaction at XXXX XXXX XXXX XXXX, TX. As I reside in California and have no business with XXXX, I immediately confirmed that the transaction was unauthorized. Bank of America closed my credit card account, issued a new one, and replaced my card. 

XXXX. XX/XX/year> : Bank of America acknowledged my claim and temporarily credited my account. 

XXXX. XX/XX/year> : I received a letter from Bank of America stating that my claim was denied because the charges were made using one of my verified devices. This decision was based on their research, which included my account history and information from the merchant. 

XXXX. XX/XX/year> : After requesting a re-evaluation, I received another letter from Bank of America reaffirming the denial of my claim, citing the same reasons. 

XXXX. Police Report Filed : I have filed a police report regarding this fraud. The case number is XXXX. 

Supporting Documents : - A copy of the text alert I received from Bank of America on XX/XX/year>, notifying me of the suspicious activity. 
- The initial letter from Bank of America dated XX/XX/year>, acknowledging my claim and temporarily crediting my account. 
- The letter dated XX/XX/year>, stating the denial of my claim. 
- The letter dated XX/XX/year>, reaffirming the denial of my claim. 
- My account statement showing the disputed transactions and subsequent credits. 

Impact : The denial of this claim has caused significant mental stress and is eroding my trust in Bank of America. As a client of 8 years in good standing, I am deeply disappointed with how this matter has been handled. The transactions were not authorized by me and should not be my responsibility. 

Additional Concerns : Bank of America claims that the transaction was made using one of my verified devices. However, if this were the case, why did the bank initially mark the transaction as suspicious and alert me about it? This inconsistency further supports my position that the transactions were unauthorized. 

Thank you for your attention to this complaint. I look forward to a prompt and fair resolution.
Product: Mortgage

I have a mortgage with CMG XXXX  and an escrow account for home insurance and taxes on my home. The mortgage is under my name, but the deed has both my and my sister 's names. We each own 50 % of the home. The deed of trust of course has both of our names as the mortgage is for the full value of the house. CMG and their loan servicer, XXXX, failed to pay the entirety of taxes due on the home by the deadline of XX/XX/2021. I gave them notice about 7 days prior to XX/XX/XXXX that it appeared they only paid half of the taxes due ( which were assigned to my account with the taxing agencies ) and not the other half ( assigned to my sister 's account ) when I saw that a significant amount of money remained in escrow. I called approximately 3-4 times that week prior to XX/XX/XXXX and was told over and over that it was the servicer 's mistake and that the outstanding taxes would be paid out of escrow with any penalties/interest accrued on the taxes born by the servicer and NOT taken out of our escrow. I called multiple times because I was concerned no action was being made towards payment and the representatives seemed less than knowledgeable about property taxes. 
When no payments were made, I again began calling the week of XX/XX/XXXX asking about the status of payments. The servicer 's records showed no action taken, and I had to explain to the representative, XXXX XXXX, the entire situation again and send the outstanding tax statements. I was supposed to receive a call back but have not received a call or a response by email. Additional penalties/interest will accrue on the outstanding taxes on XX/XX/2021.
Product: Credit reporting or other personal consumer reports

I was in a car accident on XX/XX/XXXX and my vehicle was totaled. I worked with insurance to pay the vehicle loan off. Under my insurance claim, XXXX checks were coordinated with the bank and then issued by XXXX on XX/XX/year> and sent to XXXX XXXX XXXX  for the total loan payoff amount to release the title. On XX/XX/XXXX and even exactly one day after my loan due date, I called in to customer service to check on the status of the loan payoff as my loan was not delinquent and I wanted to avoid negative credit reporting and fees. Per my discussion with a customer service representative, they informed me that there would be no issue with billing, and that I should not take any action on my loan or make any payment myself.

However, I received a notice on XX/XX/XXXX that my loan was sent to collections, I received a {$35.00} fee, and a negative credit reporting result as they reported my loan account delinquent. The information provided by the customer service representative misled me. The outcome was unfair and deceptive. I paid the loan off in full later that same day on XX/XX/XXXX, inclusive of the {$35.00} fee. On that same day I also disputed the fee, and I disputed the negative credit reporting, on account that the actions taken by the bank in misleading and then punishing me caused me harm and could not be reasonably avoided by me, since I was following the direction of the bank representative. 

In answer of my dispute, I received a letter on XX/XX/XXXX, which was dated XX/XX/XXXX, that the information reported to the credit bureaus was accurate. First, I do not doubt the information is accurate and that was not the nature of the dispute. Second, I disagree with the bank 's decision to charge me a fee and to report the negative credit information anyway as the whole situation was unfair to me.
Product: Debt collection

I received a collection letter from IC collections, regarding a debt from XXXX XXXX for unreturned equipment in XXXX. XXXX sent me a letter stating my balance was zero and the charges were reversed. Not to mention this debt was XXXX in XXXX XXXX in XXXX,, they reported it to collections on XXXX after requesting proof of the debt and myself not receiving said proof. I called direct and they basically reversed the charges for the equipment and subsiquently opened a new account with the same balance for the equipment. I didn't authorize nor request any new accounts. I advised both companies of the multiple violations they were committing and got nobody that could speak English enough to understand, or lacked the cognitive ability to. I'm intending pursuing further legal action for damages under the Fair credit reporting act.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX/XXXX. XXXX/XXXX/XXXX hard inquires
Product: Credit card or prepaid card

I ordered a trial product online for {$12.00}. I read all the small print and there was know part where it said I would be signed up for automatic deliveries of more product. This is exactly what happened. In XXXX and XXXX of XXXX I was charged {$84.00}, {$74.00}, {$84.00} and {$74.00}. This happened on XX/XX/XXXX and XX/XX/XXXX. I called and disputed the charges on my credit card. At know time did I authorize these charges. The first dispute was reversed because they showed my credit card company a copy of a product being mailed to my house. I have spent several hours on the phone with my credit card company no avail. I told them that I did receive two bottles that I am happy to return to the sender but that was the {$12.00} trial that I paid for. I was transferred 5 times and on hold for hour and I was not able to speak with a manger. I tried this approach twice but ended up hanging up after being on hold for an hour. That's what brings me hear. I wanted to get an email for the credit card company so I could give them more details to fight on my behalf and send the product back! No XXXX luck. 

Company information : Citi Double Cash Mastercard ( my credit card ) XXXX 24hr customer service Problem company : PT Labs I have original shipping box it came in Fulfillment Center XXXX XXXX XXXX XXXX LA XXXX My contact information : XXXX XXXX XXXX / email XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX I returned the Car that I had a lease with US Bank. The monthly payments were {$950.00} done on the XX/XX/XXXX every month automatically by my bank, the XX/XX/XXXX of the month was the due date ( as seen on US Bank statements attached ). 
On XX/XX/XXXX US Bank fraudulently sent a statement with a due lease payment by XX/XX/XXXX ( The lease had finished by then ). My Bank on XX/XX/XXXX paid the due amount of {$950.00} for the period of XX/XX/XXXX to XX/XX/XXXX. This payment was a wrong charge as the Lease ended on XX/XX/XXXX, so the last payment should have been on XX/XX/XXXX, covering the period on XX/XX/XXXX through XX/XX/XXXX. 
I called US Bank and they told me the money would be refunded, I called again on XXXX and was told the same thing and today XX/XX/XXXX ( two months after ) I was told the same story.
Product: Debt collection

After request information from this company. they didn't provide the information and not they place collection my credit report. I need them to delete this account immediately. the have been threaten to damage my credit without provide me with any information. i need them to delete that account of my credit because I don't owe that company any money i don't know what's going on.
Product: Credit reporting or other personal consumer reports

In XXXX XXXX  my car payment to XXXX XXXX XXXX was scheduled and I believed it was paid. Fast forward to XXXX I receive a late payment notice. I called and rectified the situation ( bank error ) and was told they would remove the late fee. They never did. I called this last week and was told XXXX XXXX could not remove the late payment from my credit report, but to file a dispute and it would be removed however it was not removed. This was simply a banking error, and I have never had a late payment with them before or since I would like this removed as it was inaccurate and was due to a banking error, not a nonpayment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to XXXX XXXX and XXXX problems I contacted loan company about vehicle they agreed and were happy to take van back which they sold for {$1000.00} dollars more than I owed. After the sale they added a {$40.00} charge to my credit account and refuse to let me pay it they intentionally are hurting me its a crime. They continue to report a charge off every month 4 years later refusing to let them give them {$40.00}
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and list of Inquiries. 


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: 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. 

Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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: Credit card or prepaid card

I have two Bank Of America credit cards. One is closed and the other is open. I accidentally made a payment to the closed account. I called to have the {$500.00} payment transferred to the open account. Everything I call I am told it will be done in 2-3 days. I have called four times and I am told it needs to be researched or the form submitted was not the correct one. It has been more than two weeks. Now I am being told it will take a while billing cycle.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Real estate FRCA law states all information reporting to my credit should be XXXX XXXX accurate and true. Since XXXX I have been reaching out to the credit bureau asking them to removed the above account. ( XXXX XXXX ) This is not my account and I have no knowledge of this account. They are reporting false claims. 
I do not own any thing from XXXX this is not my account. PLEASE REMOVE
Product: Checking or savings account

I had transferred money from my XXXX XXXX to my account in some small amounts ranging from $ XXXX last week Saturday ( XX/XX/2024 ). Since that evening my account was put on a restriction and I have been unable to receive my direct deposit, or make any kind of transactions with my card. This is a huge problem for me as I am trying to take care of some things to get back home to XXXXXXXX XXXX XXXX. Please help! Thank you for your time.
Product: Student loan

XXXX XXXX XXXX XXXX with Navient. 

Navient has been charging me monthly for this private loan. It hasn't amortized any of my payments since 2014 and it simply keeps padding its interest. The loan had an original balance of {$14000.00} and now the balance is almost {$20000.00}, even though I have made payments that total over {$4800.00}, which of course is over 75 % of the loan principal. 

Navient is acting in a predatory fashion and engaging in usury. Its website fails to show an amortization table, thus, the borrower can not know about its illegal predatory practices, until he/she realizes that the loan balance never diminishes. 

I would like to Navient to apply at least {$4000.00} of the payments I already made to my principal and issue a new balance with the next payment due in XXXX, without any interest capitalization from now until XXXX, to ensure that all my payments are applied to the principal.
Product: Credit reporting or other personal consumer reports

I have made several attempts since XX/XX/XXXX  and every month afterwards. My last date I sent another dispute was on XXXX XXXX  XXXX has fail to provide me verification of proof of the bankruptcy of the name and contact person whom they said they verified with at the United States Bankruptcy Court. I also sent a letter to XXXX from the bankruptcy court stated that they didn't provide no information to any credit agencies. 

XXXX also fail to remove addresses and names that does not belong to me. 

There are several accounts that is not mines that they keep saying is verified as accurate but I have ask repeatedly for the name and number of the person they spoke with to provide this information and they have fail to do so I really need some help because I'm constantly disputing every single month and have spent plenty of money sending out certified mail to them every single month. This is affecting me for getting a house I need my credit report to be fix, updated and report accurate
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 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 am writing to formally dispute the inaccurate information present on my credit report. The account in question is listed under the names below and contains erroneous details that do not reflect my financial history accurately. XXXX XXXX XXXX XXXX  and XXXXXXXX XXXX, XXXX XXXX Issue : Charged off accounts should not have a balance. This account is currently showing a balance, which is incorrect. XXXX XXXX : This account is not supposed to be listed as " XXXX ''. This account is inaccurately listed as such. Payment status : This account is reporting as " Missed Payment '' on my report. Under the the Fair Credit Reporting Act ( FCRA ), XXXX XXXX Code XXXX, you are required to investigate the disputed information. I urge you to take the following actions promptly : Investigate the inaccurate information. Remove the incorrect account from my credit report if it can not be validated. Correct my credit report accordingly and provide me with an updated copy. I expect these corrections to be made within the XXXX period specified by the FCRA. Please inform me of your findings and actions in writing at your earliest convenience. Thank you for your prompt attention to this matter. I look forward to your positive response and the necessary corrections to my credit report.
Product: Prepaid card

On XX/XX/XXXX i used my cash app card to purchase content from an XXXX  creator. A month went by and the creator did not provide the content so I asked cash app to get my refund and they refused to.
Product: Credit reporting, credit repair services, or other personal consumer reports

The username ( which is an email address ) that is associated with my account ( according to my birthdate and SS # ) is not mine. Experian permits me no means to communicate with them. I need this resolved. I filed this issue XXXX  months ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I'm emailing you because my credit report contains inaccurate information. Regarding this, I've written to EQUIFAX, XXXX, and XXXX. Well, none of them try to fix the situation in any way. As additional identification, I provided them a copy of my passport and my social security card. 

Please assist me in finding a solution. I've been under a lot of stress because of this issue. 


Best wishes, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Citi Rewards XXXX for some reason is not reporting my credit card on my XXXX Account. It is being reported with XXXX and XXXX. I have repeating requested this to be corrected. It has now been a year of phone calls. I've spoken to Citi and they tell me to contact XXXX. Then, XXXX tells me to speak to Citi. The last phone call to XXXX, said that all Citi needs to do is submit " letter of reinsertion ''. I shared this with Citi but, nothing has been done.
Product: Credit reporting or other personal consumer reports

I file a complaint because I did not consent to, authorize nor benefit from any of the following inquiries or accounts. 

ACCOUNT NAME : 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 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 XXXX XXXXXX/XX/XXXX All is being investigated by the FTC and CFPB. According to FCRA 605B this information must be blocked immediately until the investigation is over. Since 4 business days from receipt of this communication allotted under the Federal Law to block these entries, it should be understood that failure to do so within a 4 business days period after receiving this letter constitutes reason to promptly delete the information from my credit file. Refer to : ( FCRA USC s 168li ( S ) ( A ) ).
Product: Other financial service

Lexington Law firm has been charging me for services and not affectively delivering me the results that they promised as far as deleting the credits that was once off by them, but is some how is now back on my credit report. And they have been charging me XXXX a month instead of XXXX a month for charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts in question : XXXX XXXX XXXX I reported these accounts as fraud ( attached police report ). The accounts were removed as requested by me however no investigation was done by the credit bureaus or Navy FederaXXXX. Shortly after the account was placed back on my credit report without my notice or consent. I asked for the accounts to investigate and removed due to fraud. Navy Federal refused to investigate and provide me with original documents and statements to prove their claims. My requests were ignored which is a violation of my consumer rights. 
I sent a repeat FTC report and cfpb complaint regarding the fraud account and the accounts continued to be reported on my credit report. This is another violation of my consumer rights. 
Furthermore, I have informed Navy federal to cease communication on these fraud accounts. However, my requests have been ignored and I am still harassed several times a day for years by a robocaller phones number leading by to Navy Federal once answered. To my knowledge, this is also a violation of my consumer rights.
Product: Credit reporting or other personal consumer reports

I requested information regarding the account Bank of america - XXXX and have not received anything. 

Please have this company upload the following documentation : Last 12 months of my billing statements, payment history, the terms and conditions of this agreement, and a document showcasing how my payments were applied. I.E., allocation of payment.