23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I received an offer from Chase credit card to transfer a balance with zero interest for XXXX months. On XXXX XXXX, XXXX, I applied for a balance transfer to pay off my XXXX XXXX card. Balance transfer was not approved but they said I qualify for {$3500.00} credit line and that they will send me my new Chase credit card in the mail. After about two weeks I received the card but did not activate it since I did not need another credit card. 

Next thing I know, I received a XXXX XXXX statement in the mail on XXXX XXXX, XXXX stating that a balance transfer was made in the amount of {$3300.00} to XXXX XXXX. I called their customer service number and spoke with a " XXXX '' explaining that I did not like it and did not authorize the balance transfer. I said I do not want to be making extra payment on another card that I did not open. I asked " XXXX '' to reverse the transaction because I believe this will affect my credit report. 

Well, transaction was not reversed so I called again to complain and spoke with " XXXX ''. She said that " XXXX '' messed up by reversing a wrong transaction ( which was not my fault ) and it was already too late to reverse it after so many days. I told " XXXX '' that I should not be responsible for their mistake and feel that they should " eat their '' mistake and consider it as a gift. Trying to be fair, I said, I will pay them back the amount transferred minus transfer and late fees. " XXXX '' said that I have until XXXX XXXX, XXXX to pay it off, but after that date, there will be interest assessed. 

This is wrong, since after they did what they did, it adversely affected my credit score. I feel like I do n't owe them anything anymore after the damage they did to my credit. Remember, I never authorized the {$3300.00} balance transfer and never activated the credit card that was sent to me. Is this not a fraudulent act?
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sirs CFPB, I appreciate your support on the recent Credit Score Report # XXXX issued by XXXX on XX/XX/2021 requested by Bank of America on XX/XX/2021 as result of an application for credit made by myself to this Bank. 

The request was NOT APPROVED since as per XXXX  Report # XXXX states " SERIOUS DELINQUENCY '' related to a CREDIT CARD account # XXXX, which showed a due payment of 30, 60 and 90 days. I contacted Bank of America Credit Department and they were not able to confirm this information because this was not available in its system. 

I set a dispute to XXXX for the Credit Report based on that Bank of America was unable to confirm this information to me and XXXX send a Dispute Result Report # XXXX Investigation ID # XXXX dated in XX/XX/2021 stating as " REMAINS '' the potential negative item withthe following comment : " The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' My concern is that Bank of America was able to confirm the information to XXXX but it was not to me. 

I highly appreciate your support since this situation it is hurting my access to better credit Conditions
Product: Checking or savings account

I am the trustee and executor for the estate trust of my parents who are both deceased. About ten years ago ( this is my best estimate ) I opened a savings account at Well Fargo, ( it may have been Wachovia at that time I do not recall with certainty ). The name on my checks for that account is XXXX XXXX or the XXXX and XXXX XXXX living trust. I, XXXX XXXX deposited {$60000.00} in that account on the death of my father, which was the proceeds of an insurance policy purchased by my father and for which I was the beneficiary. When my mother was alive I used that account to pay for day care for my mother who had XXXX. She has been deceased for a few years and now, many years later the bank has denied me access to that account, insisting that I provide a letter testamentary to get access to that account. I went to the XXXX XXXX Probate office on XX/XX/2020 to see if maybe I missed something when I had gone there after the death of my mother. Once again the probate office asked me if there were any assets that were not in the trust. The answer is No. This means there is nothing to probate, so they can not give me a letter testamentary. I have spoken to the Wells Fargo employee who works at their XXXX Branch. She is very nice, but all she knows is the letter testamentary, I am unable to talk to anyone at the main branch with some expertise in trusts and estates and hence I continue to be denied access to my savings account. I'm able to talk to my doctor, even to see my doctor if necessary, I am able to get my hair cut, but I am unable to even get a phone appointment with Someone at the main branch with some knowledge of trusts and estates. They just do not answer the phone there. I assume at least some employees are working because I am not reading about bank employees starving because they have no money.
Product: Debt collection

On XXXX of XXXX I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXl for it and started making monthly payments for it. After a few months of making payments I started receiving calls from an agency called XXXX XXXX XXXX in XXXXXXXX XXXX XXXXXXXX. They told me that I owe almost {$1000.00} from the accident I was in. I asked for an itemized bill but never received the document nor an explanation for the charges. It didnt make any sense to me since I was already making monthly payments to the hospital. Time went by and on XX/XX/XXXX I checked my credit score and it had dropped immensely due to a collections debt. I called the XXXX XXXX on XX/XX/XXXX asking again for a document explaining the charges, but the agent XXXX said he didnt have that information anymore since my account had already been transferred to XXXX XXXX XXXXXXXX XXXX XXXX He provided me with the number and I called. The agent from XXXX mentioned that my account had been transferred to CMC, Credit Management Company. I called CMC on XX/XX/XXXX and the manager XXXX explained to me the supposedly charges and how the hospital was separate from this other facility I was being charged from. I asked for a document with an explanation of the charges but only received a document with the amount I owe. I have a recording of the last call with XXXX if needed.
Product: Debt collection

I received a Debt collection notice dated XX/XX/year> for a XXXX rental  in the amount of {$810.00}. The Debt collection agency is Vengroff Williams , Inc . 

I called XXXX, spoke with the accounts and collections department. They informed me someone rented a U-Haul under my name in XXXX. This coincides with a time frame in which my someone fraudulently used my credit card and gained access to my bank accounts with XXXXXXXX XXXX I believe the two incidents are related. 

XXXX  collections instructed me to take the following actions to resolve this fraudulent charge. 
-Send a copy of my Driver 's License -Copy of a police report ( which I have ) -Copy of an FTC report -Copy of the invoice I would like further instructions from you before moving forward with this process to ensure it's done properly.
Product: Credit reporting or other personal consumer reports

To delete hard inquires, old address, misspelled names, and provided proof of original contract that has been signed and agreed to because I don't have a contract or agreement with the companies, I have people getting mail in my name and contacting me about my personal information AND I DON '' T stay at the addresses they have listed they have sent a letter with my social security number and other personal information TO THE WRONG ADDRESS Remove accounts under these names - XX/XX/XXXX Hard Inquiries -XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX al XXXX XXXX XXXX XXXX I never lived at these addresses you guys are merging incorrect information on me I have never worked at these places of employment
Product: Checking or savings account

Received a debit card in the mail unsolicited. Contacted Chime to determine who or how fraudulent account was opened and they wanted information including SSN to research. As I have not heard of this company, I do not feel comfortable giving them my information to research their fraud. I offered to give the card number on the debit card received and was told that was insufficient. This companys know your customer compliance should be reviewed as it appears they are deficient.
Product: Debt or credit management

700 credit company ( credit agency ) was very misleading and falsified what they can do to help me fix my credit. They informed me that items were moved off my credit report and they were still reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

In my credit report I see some auto loan that I dont have
Product: Credit card

This account is listed as a charge off on my credit report, but I have never received a form 1099C for this charge off debt Can you please provide me with a 1099C to accurately reflect this as a charge off for tax purposes and please update credit report accordingly or delete immediately. Pursuant to 15 US section 1681 ( 6 ) ( A ) of the fair credit reporting Act, please provide me with the description of the procedure used to determine the accuracy and completeness of the information, to be provided within 15 days of the completion of your investigation. I appreciate your prompt attention to this matter as theses may seem like small reporting error to you, but they are serious offenses on my credit report when it is time to purchase a home for my family, a vehicle, look fora business loan or even obtain employment. Please consider expediting this process for me. Thank You
Product: Checking or savings account

I noticed unauthorized transactions on my account on XX/XX/2023 and immediately reported them to the issuer of my debit card. 

The card issuer/bank immediately responded that they would not be issuing any provisional credits as a result of these unauthorized charges. 

The bank then notified me on XX/XX/2023 that they were denying my disputes and that they would not investigate them any further. 

I did not authorize any of the charges that were made to my account and I want the money returned to me immediately. 

I have listed all of the unauthorized transactions below. 


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 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 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 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: Mortgage

I applied for assistance in saving my home with Bank of America. I hired an attorney to submit my offer to settle a second mortgage as a solution to my foreclosure situation. My request for assistance was faxed to Bank of America on XXXX/XXXX/2015 and I was issued a 5 day letter dated XXXX/XXXX/2015 confirming my complete financial information was received and that I should have an answer within 30 days. In the letter Bank of America says " The evaluation process should not take more than 30 days ''. ( See attached letter ). As of today Bank of America still has not responded to my request with an answer. It has been two months and five days since that request. I just received a foreclosure certificate stating Bank of America can now foreclose. While Bank of America is stalling on my review, the foreclosure process is moving forward and I have lost time I needed to be able to figure out how to save my home. I am sure they are doing this on purpose because my attorney has been calling them to follow up on the request almost weekly since the date it was submitted. I believe Bank of America is evading review of my request for assistance in order to dual track and burn time so as to be able to just foreclose my home without allowing me time to try and save it. Per my attorney this is in complete violation of RESPA Reg X ( 1024.41 ) which states a servicer shall complete a review of a request for assistance within 30 days of that request. We are now over 65 days past my request for assistance and I have nothing from Bank of America except a foreclosure certificate stating they may now foreclose ( Attached ). My attorney has also faxed the foreclosure attorney, XXXX advising them that I am under review for loss mitigation as of XXXX/XXXX/2015. XXXX has responded that they have been instructed to move forward with foreclosure. This is as of XXXX/XXXX/2015, which is after my submission was confirmed on XXXX/XXXX/2015. Even though XXXX has been made aware that I am under an active review for loss mitigation, they still state they will not stop the foreclosure process. I do not understand how both of these companies can simply ignore RESPA law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello This complaint is against the three credit reporting companies. XXXX, XXXX XXXX and equifax. I noticed some discrepencies on my credit report so I put a credit freeze with XXXX.on XX/XX/2019. I then notified the three credit agencies previously stated with a writtent letter dated XX/XX/2019 requesting them to verifiy certain accounts showing on my report They were a Bankruptcy and a bank account from XXXX  XXXX XXXX. 
The response from XXXX  and Equifax was that it was verified through their third partner XXXX. That can not be correct because I have a Freeze on my XXXX XXXX account since XXXX. which no one can obtain my report for anything until I unfreeze it. 
I wrote XXXX  and Equifax a second letter and mailed them on XX/XX/2019 telling them that they have lied when they said that they verified the two accounts in question using XXXX because I have a freeze on my account and when I called XXXX on XXXX XXXX they stated that no one has requested or attempted access to my account this year. I told them that they are in violation of my consumer rights and demand that these two accounts be removed from my report immediately. Only XXXX wrote back a letter dated XX/XX/2019 stating that XXXX verified the accounts and that I should talk to them if I have a complaint. 

XXXX XXXX never responded to my letter dated XXXX XXXX to verifiy the two accounts in question since and the 30 plus days to investigate my claim has been expired. When I Checked my Credit report with XX/XX/XXXX, It states that they too uses XXXX to verify the two accounts in question. I also wrote them a second letter and mailed it on XX/XX/2019 stating that they are in violation of my consumer rights and demand that these two accounts be removed from my report immediately. 

Please investigate these compnaies because what they are doing is wrong. They are using a third party that gives wrong information and attach it to your account and then tell you to fight them to get it corrected. No I dont have to fight because XX/XX/XXXX, Equifax and XXXX XXXX all lied and said that XXXX verified and account which is impossible because my account with them is FROZEN and no one can access it but I. I demand that these items on my account that was not verified be removed from my account because they are in violation of my rights and not to mention, XXXX XXXX did not even respond to my investigation request.
Product: Credit card

on XXXX XXXX a person from XXXX  hacked my XXXX XXXX account and charge a XXXX XXXXXXXX XXXX to my Bank of America CC he them deleated my XXXX XXXX  account, so XXXX XXXX  will not talk to me ive issued a disput to BAnk of America 3 times and have XXXX refused they claim that XXXX XXXX said the item was shipped to my home here in XXXX XXXX. that is not so. checking my XXXX account the same person had changed my shipping and billing address to his home on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, this is his address XXXX asuming his name, which he used is not XXXX XXXX XXXX XXXX XXXX XXXX an only use XXXX XXXX XXXX XXXX XXXX XXXX XXXX the charge was XXXX XXXX, to which the bank refuses to refund im at my wits end please help sincerly XXXX XXXX XXXX XXXX XXXX 

i have include the address of the person from my XXXX account
Product: Credit card or prepaid card

On my XX/XX/XXXX billing statement ( payment due XX/XX/XXXX ), I have a Balance Transfer balance subject to interest ( 15.90 % ) of {$5300.00} and a non-interst bearing balance ( Promotional Cash Advance ) of {$4200.00}. When I discovered the XXXX balance was interest bearing, I submitted a payment of {$5300.00} on XX/XX/XXXX. Upon reviewing the XXXX statement, I discovered USAA did not allocate my payment to the interest bearing balance that I intended to pay off. I called USAA on XX/XX/XXXX ( spoke to XXXX ) to inquire if USAA 1 ) could explain how the payment of XXXX was allocated because the 2 remaining XXXX balances only decreased by {$3400.00}. 2 ) Request that USAA go back and allocate the payment as I intended to avoid further interest charges. After an hour of explaining my position, the rep could not explain USAAs method of allocation and he further explained the only way to avoid interest charges was to pay the account balance in full ... even the non-interest bearing balance. Although I am carrying 2 promotional balances ( no other account charges ) I should be given the option of paying off the interest bearing balance or be given their method of allocation so that I can submit the payment amount to avoid further interest charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to Credit bureau stating this account is very old from year XXXX which should be off my credit report account they are Re-aging XXXX account # XXXX the year they have on my credit report XX/XX/XXXX on my credit report it comes off XX/XX/XXXX it should have been off my credit report years ago company name Convergent outsourcing 7years to report this company is reporting wrong information they re-aging this account they sent back letters saying its Verified
Product: Credit reporting or other personal consumer reports

I am requesting specifically regarding the reporting of late closed account. I have carefully reviewed my credit report from your agency and have identified inconsistency that I believe require immediate attention and removal. The 3 credit bureaus shall be removed this late closed account. I have outlined the details of the disputed information along with an explanation of the inaccuracies : the late payment reported on the above-mentioned account is incorrect. I have diligently made all payments on time as per the terms and conditions of the agreement with the creditor. I have enclosed copies of my bank statements, payment receipts, and any other supporting documentation to substantiate my claim. I am very pleased to request that you investigate this matter promptly and removed the inaccuracies on my credit report as required by the Fair Credit Reporting Act. Please provide me with a written confirmation of the removal once the investigation is complete. I understand that, according to the Fair Credit Reporting Act, you are required to investigate this late closed account.. I expect your prompt attention to this matter and a fast resolution.This XXXX XXXX Balance Owed : {$0.00} should be removed right away.
Product: Mortgage

My mortgage that was previously held by XXXX XXXX since 2017 has been sold to Newrez about 3 months ago. I am a senior citizen that receives my Social Security check on the XXXX Wednesday of the month. Because of this uncontrollable situation XXXX XXXX extended my grace period to the XXXX of the month to avoid monthly late fees and keep my credit rating in good standing. Newrez refuses to honor this part of my loan. XXXX XXXX sent me a letter stating these terms of which I forwarded this letter to Newrez. They admit receiving the letter but refuse to honor those terms of my loan. Why am I stuck with a company that I never asked for or agreed to? What recourse do I have? Please help me as I can not afford late fees each month. I have always paid my mortgage monthly and never missed a payment. Thank you
Product: Debt collection

Hello XXXX Republic Finance company in XXXX SC keeps calling my employer XXXX from XXXX when I have asked them not to call my employer. I am in credit counseling with XXXX XXXX XXXX XXXX. I have told them not to call my work and they keep on doing this. Please reach out to them and inform them that this is harassments and I will sue if they do not stop. they can call my Cell phone but not my employer. dates are XX/XX/22 and a couple of months ago. I reached out to them today and informed them not to call my employer. 
Please have them stop XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was n't protected under the wage earner law as I should have been. My case numbers are   XXXX   &   XXXX  . My drivers license have been stolen, social security card stolen. All of my former employers have been changed without my knowledge. With all   XXXX    credit agencies. I learned from the FBI this is an inside job.   XXXX   XXXX   XXXX   XXXX   is my last employer, their ein number is  XXXX . The company amended and restated all of my tax returns and made themselves my conservator. They was n't reporting my payroll correctly.   XXXX   XXXX   was n't reporting taxes on me. Someone within the company have my identification and is abusing it with the credit union. I was with the credit union before the hostile take over Of The company in  XXXX .   XXXX   XXXX   was directly involved with my personal information. She resigned when the FBI went to the company and pulled my employee records in  XXXX . She stole my retirement pension in  XXXX . The company is a S-Corporation. The   XXXX    Family is also abusing my identification. I had funds payroll deducted to pay my creditors every week until I was discharged. Money was being stolen from the courts.   XXXX   XXXX   posed as a paralegal with the   XXXX   XXXX   XXXX