23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

On Wednesday XX/XX/XXXX, XXXX XXXX mis-charged my account {$440.00}. They were willing to help but explained the refund would take 7-10 business days to show on my account. They advised me to call my bank so they could expedite the process. Called BOA and waited for a rep for 47 minutes before an answer by the claims department. This employee told me there was nothing she could do for my account at the time. After going back and forth for 15 minutes, she transferred me to customer service. I explained my story to the CS rep who, once I finished, full-bellied LAUGHED at me. Said he did n't know why I would have been transferred to him. He sought out a supervisor who said she would call XXXX on my behalf and call me back. She never returned my call. On Thursday, XX/XX/XXXX, I called BOA again and spoke with a XXXX in CS. After 14 minutes on hold waiting for an answer, she was able to add a temporary " memo credit '' to my account. On Saturday, XX/XX/XXXX, the " memo credit '' expired but I was not notified this would occur and received an e-mail on Sunday XX/XX/XXXX that my account balance fell below {$25.00}. Called BOA again, waited on hold about XXXX minutes before speaking with a CS rep who told me she could n't help me and would need to transfer me to claims. After about 40 minutes on the phone with claims, they forced me to open a claim when all I wanted was for someone to put another credit on my account until XXXX finished their refund. Claims rep told me to check my account Monday XX/XX/XXXX for the claims credit. Come Monday XX/XX/XXXX there is still no credit on my account from BOA or XXXX. I call BOA AGAIN. 47 minutes waiting for an answer and an hour on the phone with a CS rep I finally get a supervisor named XXXX who puts another memo credit on my account and assures me she will keep on an eye on my account until everything is righted. On Tuesday, XXXX, XXXX 's refund and the claims credit posts to my account. I now have XXXX credits on my account. Wednesday XX/XX/XXXX the second memo credit expires. On Thursday, XX/XX/XXXX the claims credit is removed from my account and now I only have the refund from XXXX, which is all that should be there. Thursday XX/XX/XXXX, BOA has deducted ANOTHER {$480.00} from my account. I spent 2 hours and 37 minutes on the phone with a claims rep and a claims account manager who both insist that this is my fault and everything on their end is correct. I was meticulous in keeping records on my account during this entire process and am 100 % sure that BOA has taken an extra {$480.00} from account that they refuse to give back.
Product: Credit card or prepaid card

XXXX  has been non-compliant with removing the unverified account WELLS FARGO CARD SER which has been deleted by XXXX XXXX XXXX XXXX XXXX XXXX have both completed their research and determined that WELLS FARGO CARD SER was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX   did not send them all of the verifying evidence to confirm each account is unverified.
Product: Debt collection

Noticed four items on credit report for LVNV Funding - I have never opened an account with LVNV Funding LLC, that they are saying I opened XX/XX/2022. Did try disputing with credit bureaus - no luck.
Product: Credit reporting, credit repair services, 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 XXXX  # XXXX, Account name : XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

National Credit Adjusters are constantly placing calls to my employer to contact me despite being told via a written " cease '' request, with fax confirmation receipt on XX/XX/XXXX, to stop. I informed them on XX/XX/XXXX in writing that I could lose my job for too many personal calls or calls such as these. However, their calls continue. The National Credit Adjusters are calling from is XXXX and the persons calling my place of employment are : XXXX XXXX, ext XXXX, made multiple calls to my employer. The last one was on XX/XX/XXXX ; and XXXX XXXX, ext. XXXX made multiple calls to my employer. The last one XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my loans I did not apply for any loans I dont have a drivers license or a car I cant get a car loan in XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXXXXXX XXXX ( Bank XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX  ( Finance XXXX XXXX XXXX XXXX ( Auto XXXX XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXXXXXX XXXX
Product: Debt collection

Contacted by XXXX from XXXX XXXX XXXX on XX/XX/XXXX & XXXX at my workplace before XXXX XXXX. Told they will be verifying my employment, assets and property if I don't get the debt resolved.
Product: Credit reporting or other personal consumer reports

Dear To Whom it May Concern, On numerous occasions I have disputed the validity of accounts that are inaccurately reporting on my credit profile.

Specifically there are three accounts under the account name of " XXXX XXXX '' being reported on my Experian credit report. I have disputed those accounts on numerous occasions as the information that is being reported is inaccurate. Both of the other major credit reporting agencies have done their investigations and removed the account as their finding aligned with mine saying the account did not belong to me nor should be reported on my credit profile. 

To my knowledge, under the FCRA I as a consumer have the right to a 100 % accurate credit profile across all credit agencies reporting on my behalf. My credit profile can not be accurate when Experian is falsely reporting accounts that negatively depict my credit worthiness and the other two major CRA 's are not reporting said inaccuracies. 

This situation has been causing an immense amount of stress both financially and mentally on my life and I am requesting that this error be corrected immediately.
Product: Mortgage

Back in XXXX had a mortgage with WF with a VA home loan . Divorced, so refinanced and missed one payment. When a I called to make the payment within the same month they told me I owed x1 payment + half. Couldn't make the payment and the foreclosure process began. Never tried to modify payments nor anything to stop a foreclosure. Ended up making a short sell.
Product: Mortgage

Property address : XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original loan XX/XX/XXXX {$650000.00} with Hudson City Savings Bank at a fixed rate of 5.375 % for 30 years Sometime in XX/XX/XXXXHudson City Savings Bank was merged with M & T Bank. During the entire loan time we made mortgage payment on time every month. During the next few years M & T Bank indicated that some months we were short on payment and we sent in additional payment to cover without asking why. In XX/XX/XXXXwe changed insurance providers for the coverage of the house and the bank and insurance company didnt communicate and we got charged additional fees {$500.00} per month for several months. Once we provided proof of insurance without any gap in the policy they only gave us partial credit for the insurance and still demand us to pay the balance for the insurance. The insurance for the home is paid directly by us. In XX/XX/XXXX we received a invoice indicating that we owed {$19000.00} M & T bank. This was a complete shock to us and we started to see look into what is going on. Well the first thing we see is that the bank changed the rate from 5.375 % to 6.375 %. We immediately contacted the bank and all we got is run around between transferring us from one person to another person. We gave up and went to local branch to see a someone in the branch to help us. We got similar run around indicating we need to schedule an appointment with an agent to see if they can help us. 

Hudson City Savings Bank XXXX Account XXXX XXXX M & T loan account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). Treating these reporting accounts as unconfirmed information is unacceptable without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update or correct them in my file right away. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My loan XXXX was settled in full on XXXX/XXXX/XXXX and is still showing on my credit report as due. This needs to show either paid in full or settled in full to resolve this on my credit reports. Can someone go into XXXX and post this to the XXXX 's?
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery is reporting a paid collection as open and as well on the attached documents they are showing to be a factoring company on the debt. The debt was paid on XX/XX/2018 in the amount t of XXXX was debited from my checking account. See attached documents.
Product: Credit card or prepaid card

I purchased AmEx Serve prepaid reloadable card and it was sent to me by mail in XX/XX/XXXX. They charged fees every time you reload this card. In XX/XX/XXXX I experienced problem with transaction and notified AmEx Serve. They responded but never provided Statement of disputed transaction Form. Further problems occurred why using this card. After merchant issued credits, refunds AmeEx Served would hold on to money and wouldn't cred it for 15-35 days on my account, obviously holding it up to accumulate interest. It happened at least 9 times, during which I wasn't able to have access to my own funds, wasn't able to pay bills, medical bill, or purchase food and I accumulate debts because AmEx Serve would hold hundreds of dollars not releasing them. I initiated another dispute in XX/XX/XXXX which was never resolved by AmEx Serve. The worst part was that trying to reach supervisor or someone who would explain why they are holding up my funds. There were times when I spent 2-3 hours on a phone. One day I documented speaking with XXXX who put me on hold for 18 minutes, then it was XXXX who transferred me to XXXX and after that XXXX. Was over 1 hour. They intentionally jerking you from one person to another and wouldn't release funds, while printing Statements showed that merchant issued refund and I reloaded card but funds would not be available! Another day I spoke to XXXX who put me on 26 minutes hold, connected with XXXX, then XXXX and then XXXX. This intentional financial abuse of Consumer who can't use its own funds! The same happened at the end of XXXX. 
I filed complaint with FTC # XXXX in XXXX which entered into their database. Total I spent over 9 hours on a phone, mostly holding a line dealing with these issues. It was similar situation in XXXX when merchant issued a refund of {$90.00} first week of XXXX and at the end of XXXX AmEx would still hold on to my money and not credited my account. That when I filed claim with FTC nor aware that they can't enforce AmEx to reimburse me money lost, but rather filing class action when they have significant amount of complaints. AmEx had astounding amount of class action Settlements against them for different violation of State and Federal law. I know, because I was class member, notified on at least 3 occasions. But in this particular situation I had lost {$390.00} because of these ongoing fraud by AmEx Serve not able to use my money, while they continued charging me all kind of fees. I want XXXX reimburse me {$390.00}
Product: Credit card or prepaid card

Between the dates XX/XX/XXXX-XX/XX/XXXX Capitol One continued pulled my credit without permission. There are a total of 3 hard pulls on my credit. I was advised there would be no hard pull on my credit.
Product: Mortgage

I submitted two complains already but look like SLS is trying to avoid to provide correct answer on my simply questions : How SLS calculated and why my balance of the second mortgage is still same {$100000.00} even they said they wrote off {$6100.00} of principal? 
In XX/XX/2021 SLS send me 1099 C form with amount of {$68000.00}. When I asked them to provide how they calculated {$68000.00} interest & principal and charge them off on the total of {$100000.00} in second mortgage, they refused to provide any answer and I still did not get any explanation yet. Also, they said balance is still due and it means they would collect a new fees from me and will charge off as well without any explanations and notifications. Good business, huh? I was asking for help because me and my family were badly affected by COVID19. Instead of helping people SLS tried to put us down. They did not communicate to customer properly, they did not even tried to help customers. Last year there was a lawsuit against them and I am sure they still doing same business making money illegal way, there are over 470 complains put on SLS through XXXX  by their customers on last 6 months.
Product: Debt collection

Debt was closed on 2013 but it was re-open fir no reason by, debt collector stated it was an error
Product: Student loan

Company withheld my insurance license ( my license is required to work ) and would not allow to renew unless they were able to add thousands to balance. I was held XXXX by being denied my insurance license renewal until they could add fees and increase my balance substantially. I was not able to find other employment due to market conditions. I should owe around {$10000.00}, however my balance due to these fees and predator tactics I now owe close to {$30000.00}. 

I need help addressing this predatory behavior! 
Thank you
Product: Credit reporting or other personal consumer reports

I am filing complaint has been filed to request pursuant to FCRA s 605b ( 15 U.S.C s 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent and false information consists of the following auto loan account American Express/ XXXX I do not recognize the above mention account and collection as reported. The mention account and collection appeared on my consumer. Credit report maintained by you were not opened, made or intended by me. The above account mention is a result of identity, theft, and fraud. I have attached a copy of the FTC identity, theft report as proof of the US federal trade commission that the mention account and collection are the results of identity, death and fraud.
Product: Debt collection

I repeatedly asked that XXXX XXXX XXXX XXXX not contact me at work or during working hours, XXXX XXXX at XXXX has continued to call me during working hours and not after and now is calling my office phone even after I have repeatedly asked her that is unacceptable. her tactics are nothing more than aggressive! Can you help me make her stop this aggressive behavior? 

Thanks XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to address an issue with the reporting of my Bank of America credit card account, which was charged off and subsequently sold to a debt collection agency, XXXX XXXX XXXX XXXX XXXX. 

XXXX and XXXX : Charge-Off and Sale : The account was charged off in XX/XX/year>, with a balance of {$4200.00}. Subsequently, this debt was presumably sold to XXXX XXXX XXXX XXXX XXXX, I did not receive any documentation from both Bank of America other than a notice in my customer portal and spam emails from XXXX. 
XXXX XXXX XXXX : Despite the sale of this debt, my credit report continues to show the Bank of America account as charged off each month for 7 months without indicating that the debt has been sold. This is reflected in both my XXXX credit report and other credit reports. 

Request for Action : I respectfully request that the following actions be taken to ensure accurate reporting : Update Account Status : Bank of America should update the status of my account to indicate that it has been sold to XXXX XXXX XXXX XXXX XXXX. This update should reflect that Bank of America is no longer the responsible party for this debt. 
Correct Credit Report Entries : Ensure that all credit bureaus ( XXXX, XXXX, XXXX ) receive the correct information about the sale of the account. This includes removing the repeated " charged off '' status from each month following the sale. 
Confirmation of Update : Please provide written confirmation once these updates have been made to my credit report. 

Ensuring that my credit report accurately reflects the current status of my account is essential for my financial recovery and creditworthiness. I appreciate your prompt attention to this matter and await your confirmation of the requested updates.
Product: Credit reporting, credit repair services, or other personal consumer reports

: ATTN Fraud Department : Remove fraudulent accounts from my credit report.
Product: Vehicle loan or lease

I sent a debt validation to navy federal regarding the accounting on my auto loans XX/XX/XXXX. I asked them to provide : 1. The actual accounting of the loans.

2. A signed invoice ( NOT A STATEMENT ) 3. A Copy of the Contract Binding both parties. I'm aware that the four essential conditions to a lawful binding contract are : 1. Full disclosure ( I was never told that I was creating the debt with my wet ink signature ). 2. Equal Consideration ( you must bring something of value to the table ).

3. Lawful Terms and Conditions. 4. The Wet Ink Signature of BOTH PARTIES ( Corporations can't sign because they have no RIGHT or Mind to contract since they are soul-less legal fictions and furthermore no third party can sign a contract on their behalf. 

I sent this XX/XX/XXXX. If no response within those 14 days I asked them to discharge my debt. On XX/XX/XXXX they still never sent me the information and I asked them to discharge my debts again. So on XX/XX/XXXX I sent them an affidavit of default by notary. But they still never discharged the debt. Navy Federal has failed to show me the accounting of the loans to show me that they put up anything of equal consideration which is violating a lawful binding contract. I was never told based on the disclosures that I was creating the money with my wet ink signature. First National Bank of Montgomery v. Daly better known as the Credit River Decision references my argument. In this case the bank had not lent XXXX any actual money but simply created a credit on its book, and therefore since nothing of value had been advanced by the bank, it was not entitled to the property that had been given as security for the loan. This is exactly what's happening with my auto loans. Navy Federal fails to give me the information I've asked for.
Product: Credit reporting or other personal consumer reports

I did a pledge Loan with XXXX XXXX XXXX XXXX, and they dropped my scores for no reason I lost XXXX points on Equifax. 

I need an explanation ; I haven't even made payments yet. 

I did a pledge loan for {$500.00} dollars.
Product: Credit reporting or other personal consumer reports

Dear Credit Bureau, I am writing to inform you of an error regarding the balance on my SYNCB/AMAZON account XXXX with the account number XXXX. I believe that the balance shown on this account is inaccurate due to fraudulent activities that occurred. 

I want to clarify that the card associated with this account has been closed, and I have not been late on any payments related to this account. Therefore, the current balance displayed on this account is not reflective of my actual financial standing. 

I kindly request that you investigate this matter further and correct the balance on my SYNCB/AMAZON account accordingly. Please also take the necessary steps to ensure that this fraudulent activity does not impact my credit report negatively. 

Thank you for your attention to this matter. Please feel free to contact me if you require any additional information to assist with this dispute. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This account and inquiry are not mine they was made without my permission, consent. Inquiry and account Comenity Bank / Victorias Secret Account. Opened : XX/XX/2023 Inquiry : XXXX XXXX is and are fraudulent and according to The Court FCRA this account violated my rights in many ways this account is pass the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681 u 1681 section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 which states a consumer reporting agency can not furnish my account without my written instruction or consent, 15 USC 1666 Bravo which states a creditor may not treat a payment on a consumer credit plan as a late payment for any reason the inquieres must be removed immediately thank you.
Product: Debt collection

Creditor from XXXX XXXX ( rep named XXXX ) contacted me for a second time on XXXX XXXXXXXX  XXXX, I informed her that this account was not mine and someone opened it fraudulently. I asked to please do not contact until validation that I requested is received by me and reviewed. 
I Contacted creditor back on XXXXXXXX XXXX and they refused to provide their full company name and address to send them appropriate correspondence. The gentleman who did not provide a first name stated that I did not request validation until XX/XX/XXXX which is false. He then Proceeded to hang up the phone. 
Let me clarify that I Requested validation XX/XX/XXXX, at XXXXXXXX when XXXX contacted me via phone, and she provided a civil complaint file number. That interaction is on recording. 
I have absolutely no knowledge of opening this account and I reached out to the creditors in XX/XX/XXXX requesting validation. They failed to provide anything other than a statement from Ace Cash. The statements provided also did not have my correct name. My name is XXXX XXXX XXXX, and the account was under XXXX XXXX which was my father 's name who also resided in the same address at one point. This account has since then been marked as fraud and removed from my credit report. However, XXXX XXXX continues to contact me and threatened to send someone to my home with lawsuit documents. 
Contacted XXXX XXXX one final time to get their mailing address and I spoke with XXXX who provided me with their full business name. This interaction is on recording.
Product: Mortgage

When I inquired about a first mortgage rate for my mobile home refinance, I understood the interest rates were higher for mobile home lending vs a regular site built home. I don't think that is right and would like the CFPB to investigate this, please. No need to get back to me. I know you'll look into this concern. 

The bank is TD Bank. 

Thank you for your time!