23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

i fell behind and asked for a hard ship plan due to lost of income i am working the hard ship plan im on is XXXX dollars a month wit 4.9 apr for 60 months but this is NOT being honored by the bank i went to XXXX XXXX XXXX   and seen the manger we called the credit card part of the band thy stated im XXXX dollars behind im not thy also told the manger thy expect me to pay double and triple payments this in not in my agreement with them thy also rported me now 4 months late i am not also thy said you might have made a payment in XXXX but this is not this months payment when it was ive hade nothing but problems with is bank and something needs to be done also was told to bring on a law suet by this company by one of there supervisor and said to BRING IT ON SHE STATED thy also sent me a letter saying im seriously past due i have all paper work and i ask for the CEO to contact me but thy will not have any one contact me with my concerns i even offerd then a XXXX to settle the account got told to call some number and the computer will state what i need to pay and that was a supervisior this is a lot going on here that needs to be looked in to thy are in the rong and im asking for your help
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau is reporting an address and phone number on my credit report that are not mine. I have never lived at " XXXX XXXX XXXX XXXX, XXXX, VA XXXX ''. Also, my phone number has never been XXXX. This information is inaccurate and needs to be removed from my credit report. I do not want someone who checks my credit in the future to associate me with this address or phone number that I have never used before.
Product: Mortgage

My lender is Nationstar d/b/a Mr. Copper. The courts put me into modificiation with the lender. Then COVID - 19 struck our nation, in the middle of this crisis ( End of XXXX  ) I received a phone call stating that I was APPROVED for Modification, but the catch was the person said I need to pay immediately ( {$970.00} ) which was {$150.00} more than my current payment. When I asked what program I was approved for they said HAMP ( which according to the government website had expired back in XX/XX/2019. When I question How was I proved for a programs that NO LONGER exists, I was not given a answer. I was ONLY ask to start making this very HIGH payment. NO DOCUMENTS, NO INFORMATION ON THIS PROGRAM, NO COURT MEDIATOR, NO ATTORNEY, EVERYTHING HAS BEEN SHUT DOWN!!! Now this company has decided to continue with the foreclosure.
Product: Mortgage

I was in a severe car accident back in XX/XX/2016. Due to injuries I could not work nor make my mortgage payments. We filed for mortgage assistance and refiled and refiled for 2 years. For 1 year they told us to pay a forbearance plan. Then they denied us for assistance and stopped accepting mortgage payments. We told them we could make the full payments and they told us to just pay 75 % of the payment. They then stopped accepting payments unless the total pass due was played in full. They sent us a pre foreclosure notice so we panicked and sold the house. Multiply times we asked what our payoff was and they told us a specific number. Then we get to closing and there's a charge for an extra XXXX dollars that was not previously discussed. They had no answers for us when we disputed it. XXXX XXXX is the lender.
Product: Checking or savings account

Wells Fargo closed my case without recovering {$3500.00} that was taken from my account without my authorization. The explanation given does not make sense. Wells Fargo did not recover a specific transaction from XXXX XXXX which posted on XXXX/2023. The reason given on the layout they provided is : " Denied due to timeframe and no recovery ''. Somehow Wells Fargo was able to recover {$3200.00} from XXXX XXXX which was taken from my account on XXXX2023. Wells Fargo also recovered {$10000.00} from XXXX XXXX which was taken from my account on XXXX23. These three fraudulent withdrawals were reported at the same time. All three fraudulent withdrawals had the same name identifier attached them. 

Wells Fargo recovered quite a few transactions which occurred both prior and after XXXX/2023. They have not provided a logical explanation for why this one particular claim was denied.
Product: Money transfer, virtual currency, or money service

I have spent over XXXX minutes on hold with bill.com representatives trying to resolve the issue. 

We approved over {$81000.00} in electronic ACH payments and bill.com claimed that we did not have connected accounts with sufficient funds and to emergency wire funds. 

This issue is a result of malfunctions of the bill.com system. At no point for ALL of our connected accounts we had less than sufficient funds to cover our payments and have successfully drafted over XXXX times from our accounts previously. We are taking no further action on our part. This is bill.com problem and their fiduciary duty to resolve satisfactorily. 

From what I understand, when you add a new account in their software ( which we did as we transition banks, with both accounts still open and funded ), even though they send the attached confirmation, there's some delay in the account connection. It creates a break in the bill.com software. They reject the payments and create enormous stress for business owners and their accounting teams by sending emergency emails ( attached ). And they demand the wiring of ADDITIONAL funds to a mysterious unknown account, risking wire fraud by sending unsecured wiring instructions.
Product: Debt collection

I paid my XXXXXXXX XXXX XXXX bill, but then XXXX XXXX is pretending to be XXXX XXXX XXXX via the email they sent. XXXX They asked about all my information as if they had it on hand, pretending to be my bank, their representative asked for my Social Security Number, which I gave. 

They said I owe this money and continued to do it even though I clearly said I paid the bill to XXXX and I had proof. I contacted XXXX and they said that this is definitely a scam for my money. But they have all my bank information and as it turns out this is a real corporation in the U.S. 

The XXXX XXXX Help Line at ( XXXX ) XXXX is listed under numerous bank websites.
Product: Credit reporting, credit repair services, or other personal consumer reports

Loancare is reporting to the credit reporting agencies that our loan was discharged through bankruptcy when it was NOT. I've submitted paperwork showing that it was never discharged, payments were never missed ( but this was not reported ) and the loan was paid off when we sold the home. We did have a bankruptcy, but the home was NOT included in discharged assets. I've sent the bankruptcy documents, sale documents, and payment history to XXXX and they continue to mark it as discharged through bankruptcy.
Product: Credit reporting or other personal consumer reports

I am asking for removal of negative accounts that are connected to a unauthorized fraud address that is on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, i listed this address as fraud every account connect to this address should be removed and including debt collector
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested on multiple occasions by mail to remove the following : unauthorized inquiries. 


XXXX  - XX/XX/2019 XXXX XXXX - XX/XX/2019, XX/XX/2019 XXXX XXXX - XX/XX/2019 XXXX XXXX - XX/XX/2019
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I was in a car accident, totaling my XXXX XXXX XXXX I filed a claim with my XXXX XXXX insurance company about 2 days later after leaving hospital as well as informing my lender bridgecrest that the car was damaged. The car was deemed a total loss and my adjuster reached out to bridgecrest and by XX/XX/XXXX a check was sent to bridgecrest from the insurance for $ XXXX still owed about {$14000.00} before the insurance payment and now the balance is XXXX which will be taken care of by bridgecrest gap coverage that they said was filed on XX/XX/XXXX but they charged off my account and has it showing as a repossession hindering me building my credit and obtaining a new vehicle. Every time I call they keep saying XXXX to XXXX for the gap pay but it is very negatively affecting my credit score and its a total loss not a repossession.i disputed it and they reported insurance paying off but still did a charge off
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute and requested a removal from TransUnion for a tax lien on my credit report various times (  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX , and  XXXX / XXXX / XXXX  with no luck. TransUnion has not provided me with the information that states how they investigated this information to be accurate to continue to report on my credit report.     On my last letter I stated : The other main bureaus   XXXX    and  XXXX  DOES NOT show it. Is there something your agency knows that the other bureaus do not?     The following information, therefore, needs to be deleted from my credit report as soon as possible :  XXXX   XXXX  RECORDER #  XXXX  I require a response, on point, in writing, hand signed, and in a timely manner, agreeing to remove this listing from my credit report, and to cease all other types of communication with me. If I get another pointless letter from you saying that it has already been validated, then there will be no more opportunity for negotiation. This will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit file. I will also be aggressively pursuing the full judgment that I get against your company for violation of the Fair Credit Reporting Act, the Fair Debt Collections Practices Act and Defamation.     I am not sure how the amount was calculated and the property mentioned I DO N'T even own it.     This inaccurate reporting has caused denials for credit cards, auto loans or mortgages.
Product: Mortgage

In XXXX we financed our home with Option One Mortage ( first and second ), we refinanced in XXXX with another bank. However, when going to the XXXX County Wisconsin, Register of Deeds, we have found out the Option One Mortage never sent the paperwork over to the courthouse to record it a satisfied. I have tried getting ahold of Option One Mortgage, the closing companies as well as my current mortgage holder and can't get anywhere. How can a company claim they were never paid for a mortgage loan when it was refinanced?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous request via U.S. Mail requesting for Equifax and XXXX to permanently delete and remove all fraud alerts, Extended Fraud Alerts and File Blocked For Promotional Purposes. The fraud alerts are still showing on my XXXX and Equifax credit report. I want the fraud alerts deleted and removed from my Equifax and XXXX credit report.
Product: Checking or savings account

i have been a member with navy since XXXX but since XXXX of XXXX there has been ongoing issue with my accounts one was with a hotel that stayed at during may they were supposed to give me my XXXX deposit back which they later than took from my account even after i showed them all the transactions from the account there is nothing in the account that a deposit was given back to me from this hotel called the XXXX XXXX  i told navy that they did not give me back my deposit of XXXX for my stay there so navy just took the deposit back from my account which was not my fault that the hotel did not give me my deposit back i even reached to the hotel about this but nothing was done so now i feel like at this point they will not give me my money back right now i'm struggling and i can barely get by as it is i really need my money back because this is such an inconvenience especially since I'm on XXXX and I'm not able to work and only get but so much so its not like i have money to get by i wish navy would understand that as well i feel like they are playing with my money and don't care what i'm going through and i really need my money back from the hotel stay promplty
Product: Credit reporting or other personal consumer reports

.List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 PLEASE REMOVE ALL UNAUTHORIZED FRAUDULENT ACCOUNTS AND INQUIRIES XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are supposed to 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

I have never opened an account with XXXX. I would like to have this account removed from my report. It seems as if the account was closed and is causing harm to my account. I do n't shop at XXXX and Never opened this account with my ssn. I am extremely concerned that someone has my information and can use it again at their leisure. Please help me to remove this account! Thank you!
Product: Credit reporting or other personal consumer reports

Im submitting to the credit Bureaus today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/delete these items listed on an id theft report. Please find the required documents to assist in the removing of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$11000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$1400.00} XXXX XXXX  XXXX XXXX : {$3600.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$3100.00} XXXX  XXXX Balance : {$4600.00} XXXX  XXXX Balance : {$680.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I have three late payments on my auto loan that have been taken to collections. I moved during this time and never received my bill for all 3 months. My mailing address was changed with USPS but Bank of the West refused to deliver the mail. All three bills were sent to USPS and I never received notification that they were at the post office. I tried calling Bank of the West during this time to pay my bill but was put on hold for an hour each time and disconnected. I now have 3 late payments in collections. Bank of the West apologized for the inconvenience and said that if I called the credit agency they could remove them from my report. I called the credit agency and opened a dispute but have received no further follow up. I need to have all three late payments removed from my credit report please. The payments for all 3 months have all been made at this point. Thank you.
Product: Checking or savings account

I purchased green onions from XXXX and the product has an artificial nail in it. These are the ones that the employees cut up and put out in the produce aisle. I called XXXX after I threw up at the thought of what was done. No hygiene or food safety handling was involved in this situation. If it were this would have not happen. I pretty sure there are safety protocol violations for this not to happen. What was really insulting was when I called them they act like it was my nail. Horrible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several disputes to Equifax advising that my address is not XXXX XXXX XXXX XXXX, XXXX, GA XXXX. 

My address is XXXX XXXX XXXX, XXXX, TX XXXX. 

Equifax keeps confirming that the address is valid and they are sending my personal credit report to an address where I do not reside.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been calling equifax for over 2 months now trying to receive a revised copy of my credit report from the disputes that have been completed confirmation numbers # XXXX, # XXXX, # XXXX, # XXXX. I have n't received the confirmation by mail and I keep being told when I call they have mailed the letter and it will take 7-10 business days!
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card or prepaid card

Subject : Complaint Regarding Bank of America Credit Card Rewards Revocation Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding my recent experience with Bank of America and the revocation of my credit card rewards without a proper explanation. I believe that my rights as a consumer have been violated, and I seek your assistance in resolving this matter. 

On [ XX/XX/2023 ], I received notification from Bank of America stating that my credit cards were cancelled & when I tried to use my rewards it didnt let me when I reached out to them I was told that was there policy and they can not give more explanation.However, despite multiple attempts to seek clarification, I have not received a satisfactory explanation for this action. As a long-standing customer of Bank of America , I have always fulfilled my obligations and maintained a good credit history. 

I am deeply concerned about the lack of transparency and communication surrounding the cancellation of my cards & rewards. I have diligently accumulated these rewards through my regular card usage, and their revocation without a valid reason has significantly impacted my trust in Bank of America as a financial institution. 

I also have all my wealth management retirement accounts with them. And that really makes me think how I should trust a institution like this. I used these cards to pay for my child classes and regular daily gas groceries etc. 

I have attempted to resolve this matter directly with Bank of Americas customer support, but I have not received a satisfactory response or a clear understanding of why my rewards were revoked. Given the circumstances, I believe it is appropriate to involve a regulatory authority like the CFPB to ensure a fair resolution. 

I kindly request that the CFPB thoroughly investigate this issue and intervene on my behalf to rectify the situation. I seek an explanation for the revocation of my credit card rewards and appropriate restitution if it is determined that Bank of America has acted in error or violated any consumer protection regulations. 

I appreciate your attention to this matter and your commitment to protecting consumer rights. I look forward to a prompt and fair resolution of this complaint. 

Thank you for your time and assistance. 

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

In accordance with the fair credit reporting act XXXX  account # 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 XXXX. It also states a consumer reporting agency can not furnish a account without my written instructions