23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

XX/XX/year>, made a duplicate loan payment in the amount of {$1000.00} to M & T bank for my RV loan. 

XX/XX/year>, called M & T and explained I made a duplicate payment, and asked the duplicate payment to be returned. Was told it will take XXXX business days. ( Later found out it is XXXX business days ) XX/XX/year>, did not receive refund of duplicate payment. Contacted XXXX Bank to request a claim be made because I needed the funds to pay other bills. 

XX/XX/year>, XXXX Bank gave me a temporary deposit in the amount of {$1000.00}. 

XX/XX/year>, checked my checking account with XXXX and saw the refund of {$1000.00} from M & T Bank XXXX XXXX bank I received the refund from M & T bank. 

XX/XX/year>, XXXX Bank reversed the temporary deposit for {$1000.00}. 

XX/XX/year>, I made my monthly payment online and noticed the next payment due was XX/XX/year>, instead of XX/XX/year>. I sent an email to see why the due date is a month behind. 

XX/XX/year>, I received a response from XXXX that the XXXX payment was not made and was reversed. 

XX/XX/year>, I responded to XXXX stating the payment should not have been reversed. The duplicate payment was reversed and sent back to me. 

XX/XX/year>, XXXX stated both payments were returned, and I am XXXX month past due. 

Fast forward several emails and XXXX months, through various calls and emails I found out both the XXXX payments were reversed. Each time I questioned why both payments were reversed, but they couldn't come up with an answer. They kept stating the payments were reversed, therefore I was past due. Each time I explained I only received a refund for the duplicate payment, and they should not have reversed the original payment. This went on for several months, countless calls, and various employees. 

M & T Bank has been constantly calling me requesting the late payment. Each time I talk to someone I advise them to look at my account and review all the conversations I had regarding this issue. My last conversation was Thursday, XX/XX/year> with an employee named XXXX. She said the reversal of the original payment rejected, and was not returned to me. She referred the case to an administration team. As of this date I have not heard back, and continue to receive daily calls from M & T bank regarding the " past due '' payment. 

Each call leaves me angry, frustrated and emotionally stressed. This has been going on for months with no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

ALL " CRA '' REFUSE TO ADD MISSING ACCOUNTS ( XXXX XXXX ACC # XXXX, XXXX ACC #  XXXX AND XXXX XXXX ACC # XXXX ) TO CREDIT FILE AND ALL STUDENT LOAN REPORTING INCORRECT ( 11X ) DATA OF THE SAME PAYMENT HISTORY NOT UPDATED " OK '' STATUS/ " R-1 '' AND NEVER LATE
Product: Money transfer, virtual currency, or money service

I was messaged on XXXX about a painting job ( they wanted to paint me ) and was told I would get paid.. they sent me a fraudulent check for that amount that went through immediately so i thought there was no problem. They then told me to send around 20 % back for my compensation for supplies and such for the painting so I sent them {$500.00} because that was around 20 %. The check did not end up going through and I was unable to get a refund or anything from zelle after calling my bank ( XXXX ) several times to get to the bottom of it, so I have been out {$500.00} since then. This happened around 2 years ago. The phone number I sent the money to was XXXX ( XXXX ) XXXX and it was registered under the name XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I appreciate your help in addressing some of the fraudulent information on my credit file. However, there are still unresolved inaccuracies that need to be removed. Under FCRA Section 605, you are obligated to eliminate any inaccurate records. I have previously provided this documentation and am including it again for your reference. My attorney is fully informed of the situation and prepared to hold you accountable for continued non-compliance. 
XXXX XXXX XXXX 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 XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX : {$0.00} XXXX  XXXX Balance : {$640.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for Bankruptcy. I was discharged. Capital one is included in this discharge but it still shows on my credit report as a negative credit it says closed but is still on the report. Thus effecting my credit score.
Product: Credit card or prepaid card

i purchased a Tablet from Best Buy and i returned it in 24 hrs because it was not working they send me email that they are not returning because of code issue i have no idea what is the code they talking about. i called and finally they found the error but they never credit me back my money or even send the item back to me. and every time i called i will be transferred to too many people and they promise me they will credit back my money for more than a year and half i didn't get my money back or the Tablet. its like a scam
Product: Checking or savings account

Huntington aquired a bank that I used to bank with but had closed my accounts with them years prior to the aquisition. Hungtington opened two accounts in my name and when I called they refused to close them telling me I had to go into a branch to close the accounts. That is not an acceptable response for accounts they fraudently opened.
Product: Debt collection

I am getting calls everyday from " Credence Resource Management '' company. I usually do not pick up calls from unknown numbers. Today when I checked my credit score, I saw that a debt collection of {$76.00} is added to my name for a closed account in XXXX XXXX. I have no idea why it got added to my account as I am unaware of such account. I am a XXXX user for the last 1 year and I never closed my XXXX account. 

The Credence Resource Management company didn't even send me any email showing all the details. I called them and argued about it and they told me that they will investigate. If the investigation is against me then charges will be added to my SSN account. I have no idea what is going on. Also I saw another address got linked to my SSN credit. 

I am also not sure if my SSN is somehow leaked by them.
Product: Vehicle loan or lease

I traded in my vehicle, a XXXX XXXX XXXX on XX/XX/XXXX, and received the vehicle on XX/XX/XXXX. Since I traded the unit in, with a payoff pending I did not make a Payment. When I was informed that a payment needed to be made or I would be reported as late to the credit bureaus. I made the minimum payment the representative stated of {$290.00} on the XXXX and the payoff check was received the same day ; however, Bridgecrest did not post it to the account. Due to my payment and the payoff both being received the same day which would result in an overpayment but I was informed that I would still be reported negatively to the credit bureaus. I have worked hard to get my credit on track and I think this is wrong as they received both payments to complete the payoff of the account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, CA XXXX XXXX Equifax XXXX XXXX XXXX, XXXX, GA, XXXX Subject : Cease and Desist Notice Regarding Fraudulent Account Due to Equifax Data Breach To Whom It May Concern, This letter serves as a formal Cease and Desist Notice regarding the fraudulent account ( s ) opened in my name due to the Equifax data breach, which resulted in the unauthorized exposure of my personal and financial information. Your companys continued reporting and recognition of this fraudulent account violates my rights under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) and other applicable laws.

Pursuant to the FCRA, I am asserting my right to dispute and demand the immediate cessation of any further reporting, collection, or dissemination of this fraudulent account. Under 15 U.S.C. 1681b, my consumer report may only be used under specific legal conditions, and the inclusion of this fraudulent account violates these provisions.

Additionally, under 15 U.S.C. 1681n and 1681o, I am entitled to seek damages for willful or negligent noncompliance with the FCRA, including statutory damages, actual damages, punitive damages, and attorney fees. If your company does not take immediate corrective action, I will pursue all available legal remedies, including filing a lawsuit for damages resulting from your unlawful actions. 
Furthermore, I have filed a report with the Federal Trade Commission ( FTC ) regarding this identity theft and fraudulent activity. The FTC report serves as further evidence that this account was fraudulently opened without my consent, and I expect your full cooperation in resolving this matter. 
Fraudulent Account Number ( s ) : XXXX Accordingly, I demand that you : Cease and desist from reporting, collecting, or attempting to validate the fraudulent account ( s ) associated with my personal information. 
Immediately remove and delete any fraudulent information related to this account from my credit report and your records. 
Provide written confirmation within 30 days that all necessary corrective actions have been taken to comply with this request. 
Failure to comply with this demand will result in legal action without further notice. I trust you will take this matter seriously and act in accordance with your legal obligations. 


Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I had recently filed a complaint regarding the fraudulent card, but the dispute was denied for the following reasons, someone opened an account XX/XX/XXXX, with my " approved '' name, verified address, telephone number, email address and other personal information. After I explained the person who did my taxes had not only stolen my identity but others she had done taxes for as well. In other words, she had all of our information listed above and more personal information such as social security number and bank account information to have my money deposited into. As I mentioned before, this went into an account I hardly use. The purpose was to have my tax money there for a total of 5 years to help with my down payment of home. In which I discussed this with her as well. So it was pointless to check this account. I knew the amount of my taxes that would go into the account. And that was the only thing going into that account, which was only tax money. Then you think, why didn't you all press charges. Well once we all figured out what was going on, that person who did our taxes was moving from state to state. She would go from atlanta, to virgina, back to different cities in North Carolina. And in order to press charges you would have to find the person first. But I guess people do not believe these things happen.I even attached the documents from the IRS regarding identity theft, and how this person continued to file taxes using my personal information. Leaving me stuck to pay penalties etc. So I am stuck with paying off the balance. In which I sucked it up and started to pay, because I have no other choice unless I want my credit to be ruined. So now I am making these payments, but the balance is steady increasing due to interest. One day my balance is {$2100.00} then the next is XXXX, and I'll make a payment and then the balance grows some more so it looks as if I have not paid anything. It's ridiculous. Then it states on XX/XX/2017 I called and verified items that were mine and were not mine. If this person had ALL of my information. Guess what she was the one who verified, not me. This person even went and had a XXXX XXXX place account in my name all the way in Georgia. A whole different state. In which I caught the upmost trouble trying to resolve. Why because she made two months worth of payments using a credit card and later discovered the card was canceled. Why? Because it was stolen. This has been on frustrating experience with XXXX. First making them aware I was not the card purchaser, second sending them all the information regarding the identity theft, third being stuck paying the balance, and now the interest feeling as if I am getting anywhere due to this high interest. It's impossible for the balance to decrease even though I am making payments because I have to.I never even physically received this card. I only know the account number from the previous complaint and calling in complaining.
Product: Mortgage

My mortgage is two months behind so to avoid going into foreclosure I sent out a XXXX dollar payment on XX/XX/XXXX to try to catch up. The mortgage payment was sent back to me on XX/XX/XXXX with an attached letter stating that my loan has been accelerated. I spoke with a Loss Mitigation representative on XX/XX/XXXX to discuss further options. While on the phone with the representative, I was informed of having to make two payments to prevent foreclosure. I informed the rep. that the XXXX was sent back and making two payments at this time would be difficult. Wanting to prevent foreclosure I asked the representative to note my account that I will call in to make two payments on XX/XX/XXXX. The rep states that I would need three payments if it went pass XXXX. I called in on XX/XX/XXXX at XXXX XXXX and waited on hold until XXXX XXXX  only to be told that the system is down and my payment can not be processed. At this point, I am unsure as to what to do. The rep told me to do a XXXX XXXX  but the system she transferred me to kept saying my account number does not exist. I am being forced into foreclosure at this point. I call again to see if the system is working and have been on hold for another hour. My loan is serviced through a subsidiary servicing company through XXXX XXXX. some of their tactics are unfair and forceful to get people to pay two payments. Although I am having a hardship it is unfair for this servicing company to force me into foreclosure. I truly believe that this company is purposefully not accepting payments to foreclose on the consumers.
Product: Debt collection

Ive asked the manager XXXX to stop calling my job or Ill get in trouble and she said she going to continue to call and harass me if I dont pay or answer the calls to my cellphone that this is there policy. I have been with them for years and they have never done business like this before but these are all new people that work there. Very rude and hesitated to answer my questions. I have never missed a payment ever.
Product: Consumer Loan

I had made my car payment on XXXX XXXX, 2015 in cash by visiting the Bank of America branch. 
I got a phone call approximately one week after the phone call from the Bank of America and the person asked me when I would make the next payment and I assured her the next payment will be made within 30 days. About a month pror to that I had talked to a BoA rep and he said my car was up for possession if I did not make a payment and I immediately rushed to make the payment. 
The reason I got behind in making my payment was medical conditions and accompanying diffculty in landing a job. 
On XXXX XXXX, Sunday, late at night I get a call asking me if I was XXXX XXXX, I said yes and the person responded he has my car. I was confused what was happening. 
I called BoA XXXX XXXX on their customer service number and they gave me another number XXXX to call at XXXX .When I called that number the voice machine said I should call XXXX. When I called that number they gave me a XXXX number XXXX, option XXXX to call. I was harshly told that the documents were not ready.I again called later and they said the document will come by evening. I called them after XXXX and they finally gave me the number to call XXXX where a machine said the office hours are until XXXX. 
When the XXXX XXXX came to literally steal the car night of XXXX XXXX it was like a nightmare because I had made a payment XXXX days ago and spoke with the BoA person XXXX days ago. I was even willing to call the police and the recovery guy said he would call it himself and so as not to make a scene in the working class neighborhood I let the matter go. He asked me to remove my stuffs I complied. He asked me to give keys and I complied. I did tell him that this entire thing made me feel like I am in XXXX XXXX, meaning a lawless jungle. 
I lost my daily wages XXXX XXXX, 2015 because I could not go to work.
Product: Credit card or prepaid card

I open a credit account with Comenity Capital Bank ( XXXX ) in XX/XX/2019 with initial credit limit of {$5000.00}. During this time, I charged approximately {$1200.00} on card and have made my payments on time via XXXX every month. 

About a year ago when Covid hit, my household income took a significate reduction which impacted my ability to pay my bills on time as a result reduced my credit score. Based on my reduced credit score Comenity bank reduced my credit limit from {$5000.00} to the current outstand balance of {$1200.00} which as a resulted reduced my credit score even more due to my credit utilization increasing. Even after this, I continued to make on time payments via XXXX 

A few months later, I received another notice my credit limit was reduced again to the outstanding balance of {$850.00} which again impacted by credit score. This time I reached out to Comenity bank and requested they stop reducing my credit limit as it is impacting my credit score and reminded them, I have never missed a payment. They gave a generic response quoting company policy. Despite their response, I continue to make my payments on time via XXXX 

Yesterday I get another notice that my credit limit has been reduced again to {$550.00} ( my current balance ) and again my credit utilization goes up and credit score goes down. 

In less than 16 months, my credit limit has gone from {$5000.00} to {$550.00} even though I have never missed a payment or tried to use my card. My account remains on XXXX and aside from being maxed out it is in good standing.
Product: Vehicle loan or lease

I HAVE BEEN TRYING TO SPEAK WITH SOMEONE OVER A YEAR NOW BUT I AM NOT GETTING NO WHERE. I CALL THEM AND THEY SAID THAT THEY WILL GET BACK WITH ME BUT IT'S BEEN OVER A YEAR AND NOTHING YET. I HAD A ACCIDENT IN THE CAR THAT I AM REFERRING TO. THE CAR WAS TOTALED SO MY INSURANCE PAID OFF THE BALANCE AND I WAS SUPPOSE TO GET A REFUND BACK BUT I NEVER DID. INSTEAD THEY PUT THE AMOUNT THAT THEY WHERE GOING TO GIVE ME BACK AND PUT THAT AMOUNT ON MY CREDIT REPORT 'S AND NOW I AM HAVING ISSUES GETTING ANOTHER CAR. 
THIS IS FOR ONE MISLEADING, DECEPTIVE, FAILURE TO DELIVER GOODS AND SERVICE AND MISUSE OF MY PERSONAL INFORMATION.
Product: Credit reporting or other personal consumer reports

This account have incredibly affected my scores in the worst way possible and it's not even reported with 100 % accuracy. To think that I have sent my complaint back in XXXX and I was not met with satisfying response from your company. I need this account rechecked, re-investigated and removed as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I wrote the US Department of Education concerning my credit report. As evidenced by the return envelopes the post office returned the mail and stated " No Such Address ''. I then examined all 3 credit bureau reports and they all have different addresses as evidenced by the information that I attached from Transunion, XXXX, and XXXX  ( that are circled ). The creditor is responsible for reporting accurate information on my credit report. Also, I wasted money on postage as evidenced by these envelopes to only be returned. I am asking that all these accounts be DELETED because of inaccuracy.
Product: Credit reporting

I tried to obtain my credit score by using my Social Security Number for my free credit score that I can get free XXXX a year and I did not recognize none of the answers to the question that they were asking me. So I choose none of the above for all my answers and I was told that there was a problem with identifying me. Someone must stole my identity because I can not receive my score. I stay in an XXXX apartment and never bought a house or finance a vehicle. Please help me, I think someone stole my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity theft occurred in another state that I have never been to in my entire life. My items were stolen and because I did not use my bank card for a while, i didnt notice it was missing until I received fraudulent charges. I informed XXXX  XXXX XXXX of this but an unproductive investigation was conducted. No one compared signatures and it is my sworn oath this is stolen identity which has happen before in XXXX  i filed with internal revenue services for stolen identity. My credit reports are on alert for fraud and IRS has been on alert for stolen identity for years. This situation with XXXX  XXXX XXXX is stolen identity!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my identity theft reports via certified mail ( tracking # : XXXX XXXX XXXX XXXX XXXX XXXX ) to Equifax and XXXX ( tracking # : XXXX XXXX XXXX XXXX XXXX XXXX ) on XX/XX/2022. They received the identity theft reports and didn't do anything about it, nor did they respond within 30 days. The fraudulent accounts in question are : XXXX XXXX XXXX XXXX Fraudulent credit inquiries : XXXX XXXX XXXX XXXX My personal information is incorrect : My only name is XXXX XXXX Equifax lists my name on the credit report incorrectly as : XXXX XXXX XXXXXXXX XXXX XXXX is listing two incorrect addresses on my credit report : XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX TX XXXX
Product: Mortgage

I am trying to get my escrow to pay insurance. They are refusing to pay for insurance and trying to force place insurance on me.