23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have been working with Bank of America since-XX/XX/XXXX on my Client for a Short Sale Approval.  Which BTW was approved once on XX/XX/XXXX with a previous Buyer. I have repeatedly called and emailed my Negotiator to only go 5 to 7 days without ever receiving a response. Numerous calls have been made to BOA Customer Service to request the file get expedited to a Supervisor. It's now been 10 days with no returned call from my Negotiator and or the Supervisor. I placed BOA on notice the urgency of getting their response due to the 1st Lien holder 's approval will expire on XX/XX/XXXX, which would cause me to re-start this all over after working the file with both Lender 's involved since XX/XX/XXXX. As I mentioned I left the Supervisor 4-5 messages over the last 5 business days, to only have someone from Customer Service call me to say they would email the Supervisor to contact me. This has been an absolutely horrifying experience with BOA. I have worked this part of the XXXX XXXX XXXX for well over 30 years, and the communications with BOA have never changed or improved at any positive level. As of today I was told my Negotiate is out of the office and has been for the entire week, and there is NO ONE overseeing her position while she is away, and NO ONE can assist to move the file for final review until the Negotiator returns. This is only a small portion of the chain of events with BOA. I would very much like to understand why if an employee is out of the office there is not one person available to respond with some knowledge that the file is being worked on. My file has now been sitting idle for well over 10 business days. If I performed business in this manner I would be out of business. I have throughout this entire process with BOA responded to their request the same day there is NO reason this file should not have been completed in a timely fashion, but due to the inability of the individuals that are holding this file idle have made this an impossible to feel there is an end and a hope for those being affected financially by this chain of events.
Product: Money transfer, virtual currency, or money service

Over the weekend, a friend tried to send me {$300.00}. I was contacted by Cashapp that I would have to pay a {$100.00} XXXX  fee in order to receive the money. My contact is at this email address ( Cash App XXXX ). 

I paid the fee as instructed. However, then they came back and asked for an additional fee of {$77.00}. which was accepted and which I provided a receipt just as I did for the previous {$100.00} payment. even with a copy of the receipt, your folks said hey did not have it and demanded I repay this amount. which I did again. 

As soon as that fee was paid, they then said I owed another {$280.00} fee as a XXXX  fee. As you can see, I was now being asked to pay fees in excess of the amount that was being sent to me. Meanwhile, the app locked up on me and I could no longer load the app with money to pay this additional fee. 

Since the app was locked up I was then instructed to pay via XXXX. I first paid {$280.00} for this XXXX  fee through XXXX giving them a receipt. they denied receiving it. and demanded that I pay an additional {$250.00} through XXXX. I paid this as well providing a receipt. I was told the XXXX team could not find or handle this money. 

They did unlock Cashapp, I loaded cash into that last night and paid the additional XXXX  fee. They came back his morning and wanted another {$790.00} I refuse to pay any more. Supposedly they are working on it. However, it has been 3 days and I have seen no results. For clarity, this is the amount of fees I have paid thus far. 

Fees paid to Cashapp to receive {$300.00} sent to me by a friend. 

XXXX XXXX Fee : {$100.00} XXXX fee : {$77.00} XXXX ( 2nd ) : {$77.00} PVC Fee : {$280.00} From XXXX : PVC Fee : {$280.00} PVC Fee : {$250.00} Total : {$1000.00} So now I have spent in excess of XXXX times the amount being paid to me just to get the money being sent. 

I have talked to my attorney. This is fraud. You are my first step. I will also be notifying the company of my actions. 

I need this to be resolved. 

Thank you, XXXX I do have my email trail
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$9800.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$44000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

The Following Inquiries have been added to My XXXX Consumer Report in the Month of XXXX for which the Consumer Has Absolutely No Knowledge. All of the Hard Inquires listed below presume to be from Fraudulent counts of Identity Theft ( see Police Report ) and go against FCRA 's Consumer Rights Provisions! 

XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Companies Other Than Personal Finance Companies XXXX XXXX  Inquiry : XXXX XXXX XXXX XXXX  Credit Unions and Finance Companies Other Than Personal Finance Companies XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX Credit Unions and Finance Companies Other Than Personal Finance Companies XXXX XXXX  Inquiry : XXXX XXXX XXXX XXXX Credit Unions and Finance Companies Other Than Personal Finance Companies XXXX XXXX  Inquiry : XXXX XXXX XXXX XXXX  Credit Unions and Finance Companies Other Than Personal Finance Companies XXXX XXXX  Inquiry : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : This is the second time I have contacted your agency regarding the following information below. I am requesting that you promptly delete these addresses and inquiries immediately. I have not lived at theses following addresses and they need to be deleted from my credit report. 
XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Debt collection

I made a payment of {$50.00} on  XXXX   XXXX  but I saw another transaction leave my account for the same amount on  XXXX   XXXX . I have not made an additional payment. I called about this transaction and they claimed that I made a payment online at  XXXX  EST on the  XXXX . I made no such payment and was asleep at that time. They claimed that I made the payment but that they would refund it to me today. It has not been refunded at this time and it is past business hours which means it should have been refunded by now. I did not make this payment and I am fearful to make future payments to this company because of this occurrence. I do not trust them with my information. It  is Receivable Management Group ( RMG Collection s )
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I kept inputting XXXX  on the website and etoro  kept coming up instead of XXXX. Since I had tried to contact XXXX  from different internet methods I thought etoro was them. I invested {$50.00} and put it in ethoreum. etoro claimed my account was {$100.00} now with a portfolio of {$140.00}. I was hesitant with this company because I wasn't sure they were XXXX. XX/XX/2021 etoro tried to withdraw {$100.00} out of my chase bank account without my permission. I paid {$20.00} for my bank to put a stop to the transaction. I also blocked etoro from my bank account. I did call etoro about all this at XXXX ( XXXX ) XXXX. After ringing a long time someone answered and said they would call me back in an hour. When I told him I never authorized them to withdraw {$100.00} from my XXXX account he hung up on me. Today I tried to withdraw everything from the etoro account. Since then etoro has blocked me from there phone number, Knocked my portfolio down to {$38.00}, and it goes down every from the {$50.00} I put in ethoreum. When I hit sell etoro will not let me sell the stock. Can not call them because etoro has blocked all communication with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I when to make a purchase at a store and they offer me a 20 % discount if I apply for their credit card, when the report came back it was showing some accounts that were no mine, that as when I learn that my identity was stolen and my name was used to create fraudulent account in my name, this report is the first step to document this incident and hopefully the start of cleaning my name. Also an FTC report was filed containing the detail of these account Thank you.
Product: Debt collection

Plus Four Inc Collections replied it sounds like a insurance issue as a smart remark. I have proof the insurance company just recently paid me to pay my medical bills. I never received any notice of the issue and plus four Inc Collections just hangs up on me when asking for a letter to me paying them that will remove the debt as paid and remove from my credit report all 3 credit bureaus negative impact. Also there should not had happen as to the insurance company was at fault not paying after i was the one in the XXXX car and in the car accident.
Product: Mortgage

My lender notified me to upload my insurance policy. I followed the steps provided to upload the documents however my account could not be found on their insurance portal ( separate from the mortgage portal ). I tried calling the lender multiple times however was unable to get through to a person for assistance. On XX/XX/XXXX, the lender purchased insurance for {$600.00} with my escrow account despite my property already having insurance. I tried uploading the insurance policy again and was successful in accessing my account on the insurance portal. It has been 1 week now and I have not received a response. I have tried calling and even sent a message on their website but have been unable to speak with a human.
Product: Credit reporting or other personal consumer reports

I'm " XXXX XXXX XXXX, '' and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX XXXX : {$3100.00} XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX Balance : {$16000.00}
Product: Debt collection

They are harassing me over an amount undue. 

They did not properly respond to my 1692 validation demand, despite the proof I have of them having received it ( attached ).
Product: Credit card or prepaid card

Capital one sends me offers of preapproved credit cards with attractive bonuses in the mail. And then why I apply, they deny the card. This has happened 2 times in as many years now. 

The last time they said it was because I had closed a Capital One credit card in the past 24 months. Well shouldn't those knuckleheads have checked for that before pre-approving me? 

This time, they said I had too many credit inquiries in the past 24 months. Utter XXXX! Their response was earlier this month and just today I applied for a similar offer for a XXXX XXXX XXXX credit card and it was approved.
Product: Mortgage

I tried to close my HELOC in XX/XX/XXXX. I have still not received my lien release from Bank of America. They say I owe them {$13.00} fee for lien release. On XX/XX/XXXX they debited my checking acct. with them for {$13.00}. Acct. ending in XXXX.
Product: Prepaid card

Commerce Bank XXXX Kansas sold a gift card that cant be used at online merchants. Ive tried multiple times to use it and was told over the phone by a representative that it isnt valid for online purchases unless I sign up for an account on their website first.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am seeking the deletion of erroneous and inaccurate information contained in my credit file. I submitted a formal written request to all 3 credit bureaus ( Experian, XXXX  and XXXX ) on/around XX/XX/2020 and a second request was sent via certified mail on XX/XX/2020. 
In my letter sent and received by Experian, XXXX  and XXXX  I requested a reasonable reinvestigation as defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) requires that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. I requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been more than 5 months from my first written request and more than 3 months since my second written request and I still have not received any responses. This will now be my third attempt to resolve my concerns ...
Product: Mortgage

The loan in question was not properly coveyed to the rightful lender because they went out of business Even though I brought this information to the  citii  mortgage and th foreclosure attention , .I 'm  reaching out because I 've tried obtain a loan modification fro m citi mortgage  and they have place me in foreclosure.
Product: Checking or savings account

On XX/XX/22 my phone was stolen. The thief managed to hack into several accounts, including XXXX, XXXX XXXX, Chase App and transfer all of my money to other accounts. I was reimbursed for all charges, except {$2000.00} from unauthorized XXXX transfers. Chase denied the claim because they were made from my device, despite it being stolen. I reported the My information stolen to chase the following morning. I contacted them multiple times and they were unwilling to help and hung up on me several times.
Product: Credit card or prepaid card

Please note that on XX/XX/2020, BOAincorrectly debited my EDD debit card for {$16000.00}. 
I filed a complaint against BOA with CFPB. 
Then, in XXXX of 2020, BOA credited my EDD debit card for {$11000.00}. 
BOA still owes me {$5000.00}.
Product: Mortgage

I have been trying to contact two banks for different mortgages. They are either under staffed or the call just disconnects. XXXX and Chase bank.
Product: Credit reporting or other personal consumer reports

I had requested a Debt Validation procedure for the specified item they have reported on my credit report. Regrettably, these agencies has repeatedly failed, for the fourth time, to furnish the legally required documents that I have requested. These documents include, but are not limited to : 1. The ORIGINAL CREDITOR 2. The ORIGINAL AMOUNT owed ( with the complete payment history, starting with the 3. original creditor. ) 3. ANY and ALL documentation that shows an agreement to pay someone this sum of money.

4. Agreement that gives you the power to collect on this alleged debt in my State of residence.
Product: Mortgage

I applied for forbearance during the pandemic because my job was affected and income wasn't coming in like before due to the lack of customers. I got out of forbearance once I thought that I could resume making my monthly payments, but those payments started to be more than I could pay a month. So that put me further behind. I was threatened with foreclosure, so I filed for bankruptcy, while still making payments to the bank, but those payments continued to increase every month, and it didn't seem like the payments where being placed completely towards my mortgage. I didn't see a change, even when I knew there should have been a decrease. Bankruptcy was eventually dismissed because I couldn't afford to pay the trustee and my increasing mortgage payments every month. Eventually a letter was sent from the VA stating that a foreclosure would take place, and that I needed to try to get a loan modification. I called the bank and applied for the loan modification, and submitted everything that they asked for, but my loan modification was denied, even though I was told that I qualified for the modification. So the bank suggested I do a short sale. The bank sent me a letter stating their reasons for the denial, but I wasn't aware of any of the limitations they claimed to have had, that made them unable to help me. I want aware of any amount of payments that I needed to be making during the modification process. I don't know if my income that I reported was not enough, or if it was to much. Also, the income they stated, that I reported, changed from one amount to another, and I don't understand how that should have happened. There were just a lot of unexpected things that didn't match with what I was told. I did file an appeal, and a representative did call me to inform me that it was received.
Product: Mortgage

My credit bureau report shows me being late with my primary Wells Fargo loan and a second lon as XXXX being late./ This is an error. I was late as indicated in my file for the second loan but the first mortgage loans was always on time and was not late. How do I have this changed? I 've written to the bureaus on-line but have never received a response back.
Product: Money transfer, virtual currency, or money service

I can not connect my bank with the XXXX app
Product: Consumer Loan

I missed a month 's payment and then another. I have spoken with them several times about making my payments. After I have made a payment they continue to call and harass me about when I will make the next payment. They call sometimes twice in a given day. The last message they left was very aggressive. I made a payment XXXX XXXX, 2016 ( XXXX ). I made another payment XXXX XXXX, 2016. I intend to make another payment XXXX XXXX, 2016. I do not wish to be harassed by Capital One when I am doing my best to become current with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

A car dealership used my information without my permission to run my credit a number of times with different creditors. At no point in time did I give them permission to do so. I gave them permission to run my credit twice, not an upwards of 10 times. I gave them permission to run my credit with XXXX XXXX, the creditor who I am currently using to lease my vehicle. The following inquiries listed are the unauthorized inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following inquiry is from a separate incident where XXXX XXXX ran my credit when I was inquiring about opening a CHECKING account. I was not applying for a credit card or loan. XXXX XXXX XX/XX/XXXX
Product: Payday loan

Received a check for {$1200.00} from Republic Finance in XXXX, KY that, if signed and cashed, would enter me into a loan agreement with Republic at an APR of 41.03 %. The letter reads " let us help you with school expenses, '' but XXXX paragraphs later is advertised as " a pre-approved loan just in time for summer fun! '' The letter is signed from XXXX XXXX, Manager at Republic Finance at XXXX XXXX XXXX in XXXX, KY. I do n't know if this violates any specific consumer finance regulations - but it sure should!
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as SSN or D.O.B. in order for it to appear in your credit file. The credit bureau has not updated the information as per the new law true bankruptcy listed does include this information and should be deleted from my credit report.
Product: Debt collection

This item came to my credit report. originating from XXXX. in 2019 I became deathly ill.. I contacted all creditors and explained my situation. asked if I could pay a lower amount because of hardship. XXXX took my payment. as far as I know, it was supposed to be paid in full.. then this came to my report.
Product: Debt collection

On XX/XX/2021 and XX/XX/2021 I disputed an account reported by XXXX XXXX XXXX in the file Equifax maintains under my Social Security number. 
On XX/XX/XXXX they responded showing the item was reporting. Again, on XX/XX/XXXX they stated it was verified. Then, I was informed on XX/XX/2021 that the item was not reporting on my credit report and they sent a letter showing it was actually deleted ( See attachment for documentation ). 
Now I have discovered that the item has been reinserted on my credit report. 
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), Equifax was required to notify me of the reinsertion in writing within 5 business days and they DID NOT. I wrote them a letter on XX/XX/2021 informing them of the above information and they responded on XX/XX/2021 just saying the information was validated. The company reporting this information agreed via a better business bureau claim, to submit a request to have this account removed and actually did so, which is why it was deleted initially. Equifax is in violation of FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ) and I demand this account be deleted from my equifax credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/2022 at XXXX, Ally Financial contacted an outside party. The outside party is a coworker of mine. The outside party was asked about my account twice even though the purpose of the call was to discuss their personal account. XXXX XXXX verified my coworkers social security number and phone number, and still proceeded to discuss the amount owed and my account with this person. This is a violation of 15 usc 1692b and 15 usc 1692c ( b ). This call was recorded. 

I understand that Ally, Ally Financial, Ally Bank are all registered under different business registration numbers. All being a different business possessing their own name. 
( the term includes any creditor who, in the process of collecting his own debts, uses any name other than his own which would indicate that a third person is collecting or attempting to collect such debts. )