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

Dear CFPB, XXXX reporting that someone have opened a Bank of America Cards on my name, last year ( XX/XX/2022 ) and have spent more than {$16000.00}. I came to know when I started getting few mails and calls, and when I checked on XXXX Credit Bureau. I also found 2 Fradulent Address as below, showing up on my XXXX XXXX XXXX reports, where I have never stayed or know. I have called Bank of America and they said they will close this account. 

The 2 Fradulent account showing up on my reports are : Address # XXXX - XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX and Address # XXXX - XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX I kindly request the Bureau to do the needful, so I am not liable for this charges and my Credit History and Score stays clean. 

I can't thanks enough for your help. 
Sincerely.
Product: Credit reporting, credit repair services, or other personal consumer reports

I refinanced with my existing mortgage company, loancare/XXXX XXXX. While processing over to my new refinance rate, they reported I was not current on my mortgage and subsequently, my credit was affected. I have asked them to correct the error but they have not nor have they emailed or mailed a letter to me to let me know what they are doing to resolve. 

I have since switched to a new company but would like loan care to resolve their error on my credit report.
Product: Credit reporting or other personal consumer reports

This is my multiple endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX 'S XXXX XXXX Balance : {$470.00} XXXX XXXX XXXX Balance : {$580.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$22.00} XXXX XXXX XXXX Balance : {$23.00} XXXX XXXX XXXX Balance : {$87.00} XXXX XXXX XXXX Balance : {$240.00} XXXX XXXX XXXX Balance : {$88.00} XXXX XXXX  XXXX XXXX XXXX  XX/XX/2022.
Product: Credit reporting or other personal consumer reports

I sent out a letter to Equifax Information Services LLC on XX/XX/2023 and it was received on XX/XX/2023. This letter was in regards to XXXX accounts on my credit report I believe to be inaccurate, as there are major discrepancies between credit bureaus. In this letter I included the last XXXX digits of my SSN, along with a letter from the XXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX confirming by address. 

I received a letter back from Equifax, dated XX/XX/2023, saying that they could not match my identity based on the documents I provided. I thought thought that was fair and so I followed the directions of their letter and sent back a letter acknowledging their concerns and including the XXXX forms of identification they requested : a large photocopy of my Social Security Card and a large photocopy of my Driver 's License. I also included a copy of my original complaint letter, along with a copy of their response. This letter was received by them on XX/XX/2023. 

I received a letter back from Equifax, dated XX/XX/2023, that was the same exact letter that I had received on XX/XX/XXXX. It verbatim said the same thing and asked once again for those XXXX forms of identification. I was very upset at their stall tactics but I obliged and sent them another letter addressing that this was the second time responding to the letter and I once again included those XXXX forms of identification again : a large photocopy of my Social Security Card and a large photocopy of my Driver 's License this time printed in XXXX just in case. This letter was received by them on XX/XX/2023. 

Today I received a letter from Equifax, dated XX/XX/2023 stating that the security freeze I requested ( I never requested XXXX ) can not be processed because they once again need my XXXX forms of identification. 

This is absolutely ridiculous. Not only are they now sending me letters responding to requests I did not make but this is the the third time they ask me for the same type of identification. If I were to send it to them again, it would be my fourth time verifying my identity to them. It is also important to note that every time, I send them the most irrefutable forms of identification from the XXXX category of identifications they ask for : my Social Security Card and my Driver 's License. 

NOTE : All my letters were sent with USPS certified mail and using Letter Stream as my printer and mailer so I have proof of every letter I sent, along with copies of every letter I received from the. I can provide this if necessary, although they include my private information.
Product: Money transfer, virtual currency, or money service

I am concerned about the handling of XXXX complaints given the recent lawsuit. It brings discomfort to know my bank is unable to track fund transfers and transactions. There are professional scammers that make all consumers vulnerable and the lack of disciplinary action to me as a customer brings distrust to the bank system.
Product: Debt collection

XXXX XXXX XXXX has repeatedly tried to sue me for old debts that I can prove that I paid. In XXXX they sued me and I won the case. This second attempt to sue me was not done properly. First they called me at least 5 to 7 times a day. In XX/XX/XXXX I contacted their office to ascertain why they were calling this number again and they claimed it was still in their system. It was during that conversation they claimed they would send out documents stating that I owed money. I never received anything in the mail or in person. On XX/XX/XXXX I contacted their office after receiving a Judgement letter from the State of New York. Ms. XXXX stated that I was served, and papers were given to a family member. This is not true. I was never served and I live alone. I feel as though this law firm is harassing me for old debts that has been charged off and every method was done to pay it off. I have been in tough with the original owners of the debt. The account was closed and reported to the IRS of which I paid taxes. What they are doing is not legal and now I have a judgement against me, and I must defend my case.
Product: Credit card or prepaid card

Do NOT buy Vanilla Gift Cards- they are NOT SECURE, horrible customer service and there is absolutely no guarantee that you will be able to use any card purchased. Received a {$100.00} Vanilla Visa virtual gift card via email through secure company email in XX/XX/XXXX. Virtual card has expiration date of XXXX/XXXX. Tried to use the card for first time XX/XX/XXXX and transaction declined. Called card issuer XXXX  of XXXX, GA XX/XX/XXXX and filed complaint. Transactions shows 20 {$5.00} XXXX XXXX charges made at exactly same date/time in XXXX to wipe out balance. I did NOT authorize or make the charges. No one else had access to my card number or the email received. I completed complaint form PDF and submitted to issuer XXXX XX/XX/XXXX. Followed up XX/XX/XXXX as I haven't received confirmation of complaint. First call disconnected. Called back and started over. Told to call back after 3 days to check status ; could NOT confirm receipt of any complaint. Call back XX/XX/XXXX - again told to call back after 72 hours. Finally acknowledged that they received my original complaint. 
If I did NOT authorize or make the transactions or give card access to anyone, it's obvious that this issuer either has internal security compromises or has been hacked for others to fraudulent use cards. For an issuer of pre-paid VISA cards, this is a HUGE issue that shouldn't take months to actually resolve.
Product: Checking or savings account

XX/XX/XXXX.i am trying to use my debit card but it wont work.i tried to log in into my online bank app and its locked i called them and they said thatmy account is closed .the bank closed it.i ask what the reason, they dont know.i been a member since XXXX, and this is so frustrating since i have so much bills link to that account and 2 direct deposit from my job
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS. THESE NEGATIVE ACCOUNTS HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.
Product: Credit card

I went to the bar with my friends last weekend XXXX XXXX XXXXXX/XX/year> ) and ordered XXXX drinks from the front bar at XXXX XXXX. I got there around XXXX. The first drink was a vodka cranberry, and it was {$10.00}. I tipped {$2.00}. This should have been {$12.00} total, but my card was charged for {$20.00}. I ordered another vodka drink, which was then {$13.00}. I tipped {$0.00} on this one, and yet I was charged {$23.00} when I checked my card a couple days later. This is clearly a case of the bartender changing the tip on my receipt and they were not very friendly either. I filed a charge back with my credit card and I plan on calling the business later today when they are open.
Product: Mortgage

My mortgage was transferred from XXXX to LoanCare. In the process, I started making payments twice per month : one " push '' that was sent from XXXX to LoanCare and XXXX " pull '' that was drawn by LoanCare from XXXX. It took me a while to discover it, and I requested a refund from LoanCare in XXXX for 10 payment periods. I supplied LoanCare the evidence of overpayments that they requested, and then they rejected the evidence without telling me. When I called back ( several weeks later ) to find out the status of my refund, they said that they needed different evidence -- more paperwork. I did the paperwork, and then they approved the refund. Then they claimed that they sent the refund of 10 checks overnight, but I did not receive them. Then I called back again, and they said they could not figure out where the checks went. They said that they were going to have to investigate it prior to sending me the refund -- which is a process that will take over a week -- another week that they're holding onto my money.
Product: Mortgage

This Dispute Letter is regarding Specialized Loan Servicing choosing to ignore the Covid-19 Pandemic, The Cares Act and our Washington State mandates regarding no evictions as well as Landlords inability to legally ask or collect rents as it is labeled as harassment as well as reported to the Attorney Generals Office along with a large fine. I am still currently being harassed by SLS with a sale date WHILE Washington State is under the NO EVICTION NO RENTAL PAYMENT MANDATES, which has made it impossible for me to keep up with utilities as well as mortgage payments without full rents coming in to pay for it all. The financial burden has been devastating and I continue to work with state and local agencies with my tenants to try and get financial help, but these agencies are so inundated and backlogged that I have been told they are only processing XXXX and XXXX applications, and to be patient. It is very difficult to be patient waiting for financial relief of unpaid rents to help with a modification/forbearance and for a repayment plan when I have a XX/XX/2021, sale date hanging over my head! I am not in any position to make these agencies move any faster than they are capable, yet Im threatened continuously with sale dates from SLS instead of working with me so we can all get through this. All my documents for a modification have been in review yet rather than understanding what we are going through as a nation, SLS is working to make the families I rent to with children homeless by their careless, illegal, irrational sale date tactics. I have asked repeatedly for forbearance, yet SLS has not attempted to make a good faith effort to modify my property. Therefore, I am asking that SLS comply with our state mandates and work with me, the landlord, as I am required by law to act toward my tenants as well during this Pandemic, and cancel the XX/XX/2021, sale date, work with me on a modification that will enable me the time to collect all of the past due rents and get modified with SLS on this loan. 

Thank you for your attention to this legal matter, as it is of utmost importance. Please let me also know in writing that the XX/XX/2021, sale date has been cancelled as well as any future sale dates until we can legally resolve this statewide mandate still enforced in Washington State.

Please find enclosed a letter from Mr. XXXX XXXX, Washington Department of Financial Institutions with our States 4th Amendment regulations as well as Attorney General XXXX XXXX XXXX for Homeowners/Landlords during this Pandemic. I will continue to alert all pertinent agencies of SLSs responses and activities toward SLSs sale dates given to me on my property.
Product: Checking or savings account

My name is XXXX XXXX. I received a letter form Wells Fargo that they are closing my account effective XX/XX/scrub>XX/XX/XXXX Aside from dealing with various XXXX illnesses and XXXX family deaths and numerous other personal issues, I have managed to pay all my bills and my loan in a timely fashion with Wells Fargo. I have banked with them well over 10 years, had numerous cards, loans, and have never defaulted. I have had several NSF fees, but my direct deposits gets credited and I always make my account whole. I spoke to multiple reps who have told me that the Wells Fargo does not need a reason to close my account, and that decision is final. I also have a loan with Wells Fargo that is nearly paid off, only about {$390.00} remaining. When the loan was initiated, it was set up for autopay with my current Wells Fargo account. I enrolled in autopay with my account to save on the rate. If they close my account, they are telling me that I have to come to the bank in person to pay the balance. I believe this would be a violation of the terms of my loan. They are choosing to close my account. I should not then be penalized to be forced to have to go to an in person branch to pay them. I find that highly unethical. I do not wish to close my account. I have numerous bills including my direct deposit that go into this financial institution. I have had a working relationship with them for over 10 years, and to arbitrarily close my account with no explanation whatsoever other than they have made a business decision. I think at bare minimum the account should remain open until the loan is paid off so that I can continue to my auto pay processed. I do not want to close it at all. My financial situation is improving and I wish to be given the opportunity given my long standing relationship to continue having my account open. 

Please reach out to them on behalf to see what can be done.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX Purchased home : XX/XX/XXXX - I am a 100 %  XXXX veteran. I separated from the military XX/XX/XXXX. I requested a refinance, special forbearance and any other program that would save my home with Bank of America during that time. I had a VA home loan and at no time did Bank of America ever try to work with my VA rep to find a solution to my refi request. Bank of America fraudulently delayed my application to modify the terms of my mortgage in order to steal my home and sell it at a profit. I had at least 20 delays, over 5 new reps responsible for my case ( each time it took weeks to get in contact with them and weeks for them to review my case before they would work with me ). The reps would request fax, emails, and mail of the same documents that had been confirmed received by Bank of America over 20 times. 

- Bank of America never properly hired, trained or equipped their workforce to genuinely address homeowners like me. They deliberately obfuscated, misled and otherwise deceived me in this process only to at the end deny my request. The only reason I was able to save my home was because I went out on my own and applied for the California keep your home program. I was awarded the money through that program. Bank of America received a check for the entire 15+ plus months I was behind in my payments, bringing me current. I had no history of any delinquency in my mortgage loan or other debt when I first reported to Bank of America I needed to refi and apply for any program that would save my home. 

- It was stated to Bank of America I was a XXXX veteran ( 100 % ) and I was awaiting my XXXX compensation from the Department of Veteran Affairs many times over. Having these 15+ plus late payments on my three credit reports have prevented me from applying for much needed loans. This has impacted my quality of life and my health. I have had a few law firms contact me as it relates to a class action lawsuit because of this refi issue I had with Bank of America. I do not want to take that road. I just want my three credit reports corrected so I am able to move on with my life. 

- I am 100 %  XXXX veteran and the Department of Veteran Affairs as well as myself trusted Bank of America to not only service my loan but to do what was fair to me as a veteran. That did not happen. The below desired resolution will right Bank of Americas wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

My employment history and other personal information was reported to someone else 's name and credit bureau report. Trans Union agency and possibly others have reported my personal employment record and other information to one : XXXX XXXX XXXX and possibly other people. 

This comprimises my identity, privacy, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have recently attempted to contact Equifax, XXXX, and XXXX. I have not received any responses from these companies and I am under the impression that they have at least 30 days to respond to my complaints. I have accounts reporting incorrectly and unverified and I am not sure why no one has ever reached out to me in regards to my investigation requests. 

Equifax : On XX/XX/XXXX I sent a letter to Equifax asking for them to look into the incorrect accounts. I never received a response back so I sent another letter on XX/XX/XXXX. This letter was sent certified mail ( receipt number : XXXX XXXX XXXX XXXX XXXX ). I just checked and they received this letter on XX/XX/XXXX and I am yet to receive a response. 

XXXX : On XX/XX/XXXX I sent a letter to XXXX asking for them to look into the incorrect accounts. I never received a response back so on XX/XX/XXXX, I sent another letter stating that they never responded to my request. This letter was sent certified mail ( receipt number : XXXX XXXX XXXX XXXX XXXX ). I just checked and they received this letter on XX/XX/XXXX. Again on XX/XX/XXXX, I sent another letter via certified mail, receipt number : XXXX XXXX XXXX XXXX XXXX. This was received on XX/XX/XXXX. Out of all the letters I sent to XXXX, I never received any responses back from them. 

XXXX  : On XX/XX/XXXX I sent a letter to XXXX asking for them to look into the incorrect accounts. I never received a response back so I sent another letter on XX/XX/XXXX. This letter was sent certified mail ( receipt number : XXXX XXXX XXXX XXXX XXXX ). I just checked and they received this letter on XX/XX/XXXX and I am yet to receive a response.
Product: Mortgage

We have a mortgage with Benefical Finance XXXX We have been attempting to apply for a HARP mortgage because our interest rate with Benefical is 8.8 %. In completing the application for the HARP loan- XXXX discovered that Benefical has never recorded our mortgage payments with the Credit Bureau . In order to have the best credit rating possible, we were asked to have Benefical report our mortgage payments to the credit bureau. They refused, stating that is not their practice and that they would not do so. We need to have our mortgage reported in order to qualify for the HARP loan. I s there any way we can get Benefical to report our mortgage payments. Our mortgage payment is substantial and it would benefit us greatly to have it reported.
Product: Credit card or prepaid card

I had an account with Kay Jewelers the # that 's beside the company name on my credit report is XXXX. I paid them off XXXX XXXX, 2016. I was late one time due to illness for a couple of weeks. I called and explained that to them. I keep seeing that I have a balance of {$250.00}. When I called them they said I had to notify you all in order to take it off, which was 60 days after I paid my account off. Thank You so much I appreciate your help.
Product: Debt collection

In reviewing my credit report I found Americollect as a collector saying I owe {$240.00}. I sent a letter on XX/XX/19 asking for debt validation. The letter was returned, so I found the correct address of Americollect, XXXX XXXX XXXX XXXX, XXXX, WI XXXX and resent the letter. I did not receive any correspondence from them, however, my credit report was updated saying the account information disputed by consumer meets FCRA requirements. I then sent an Estoppel letter on XX/XX/19 again asking for debt validation. My attempt was ignored again prompting a third and final letter on XX/XX/19. Again no response. Americollect is deliberately and defiantly ignoring my request and they are now in violation of my rights as a consumer. I have absolutely nothing from them saying I owe Americollect this debt.
Product: Checking or savings account

PNC Bank refused to send me my paperwork transaction on the date XXXX XXXX XXXX forgot to put that info into overnite postal mail but insisted that the mail would be sent out only on Friday. I then stated my direct deposit would be delayed by one week th bank then stared to avoid me
Product: Mortgage

XXXX XXXX XXXX  charges a {$2.00} fee to make a payment online. That seems specifically targeting customers fee gouge vs. having a legitimate reason for the fee