23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX Ive had issues dating back to XX/XX/XXXX regarding my credit file and random reporting issues that at times are minor to others major issues. Stuff that is there one day yet the coming week weeks, months or years will have been erased off. 

We are now at the worst point ever wuth this problem. Why? XXXX has failed to properly look into my repeated claims regarding this XX/XX/XXXX I was given an escalation number of XXXX told 7-10 days for the department who handles these research of issues to resolve the problem. Numerous times I tried following up well after the 10 days even into XXXX and told no issues were discovered. Knowing good well it wasnt worked if thats what was reported back. 

XX/XX/XXXX Escalation number XXXX was provided after finally reaching a manager named XXXX  who saw exactly what I was stating. First hand. Who also gave me reference number XXXX regarding the FTC Inquiries that werent processed yet thou recd ftc in office on XX/XX/XXXX so he processed it. He also looked up the previous escalation number to his surprise to learn the number showed tied to my account yet still pending from XX/XX/XXXX with exactly as Im stating still is ehar was documented in that escalation number back then. 

I called today to just check the status of everything the manager stated tbe inwuiries were deleted so I asked him then why if they were deleted on the XXXX XXXX  being XX/XX/XXXX are they still showing up. He stated he didnt know. I said you say the report regarding them being deleted was mailed out on tbe XXXX also and as you even see there still reporting. Just give it time please, no thats my problem. Ive given ample time since XX/XX/XXXX youre ruining me finically across the board. So Im left to seek my reports thriygh annual credit reports to which I cant access my reports even. 

XX/XX/XXXX at XXXX I went through the phone system to order my XXXX  report to which it stated it would be processed and mailed within 15 days. No report had arrived. Which is a violation of some sort Im sure considering I can prove over and over Ive gone through every measure possible to get this fixed. 

I assure you Ill seek legal action in tve coming weeks if action is taken and results regarding all this top up bottom arent delivered. 


AnnualCreditReport.com dont respond to this complaint with a form response telling me how to order my reports or such. That clearly doesnt apply here. You as a person who works at annualcreditreport.com need to verify whats stopping things in the backend and communicate those directly to myself & XXXX as well.
Product: Credit reporting or other personal consumer reports

I have a installment loan from 2018 on my credit I never took out for a car I have no knowledge of Ive recently started working on my credit recently so I never new this was attached to my name I filed a report with ftc im waiting for a response Ive even contacted the company myself they said the car was returned and they cant do nothin about it and I owe XXXX XXXXXXXX XXXX somebody told me to contact this website to seek help I really dont know what to do and its reported twice on my credit if you can contact me at XXXX to let me know how to go about this would be perfect thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

There are hard inquiries on my credit report that I do not recognize. A few months ago a hard inquiry from rent track was mistakenly placed on my credit report. I strongly believe the inquiries are on my report without my consent.
Product: Credit card or prepaid card

Bank of America has written 3x refund credit balance checks from my credit card, in order to remove the positive balance. 

This was done without my permission and without notification. 

The 3 check details with days funds were taken from my credit card are : XXXX {$5100.00} XXXX XX/XX/XXXX XXXX {$2100.00} XXXX XX/XX/XXXX XXXX {$1800.00} XXXX XX/XX/XXXX Bank of America is telling me the checks were banked on the following dates XXXX {$5100.00} XXXX XX/XX/XXXX XXXX {$2100.00} XXXX XX/XX/XXXX XXXX {$1800.00} XXXX XX/XX/XXXX The problem is I never received these checks, and I never cashed these checks. 

The checks were supposedly sent to XXXX XXXX XXXX XXXX XXXX CA XXXX I have spent approx. 50 hours talking with BOA customer service in Consumer Credit Card, Credit Card Fraud, Check Fraud but only ever succeeded in getting passed from dep to another - to try and get the money back into my account, which BOA removed from my credit card in the form of these " credit balance refund '' checks. 

I have requested the bank on multiple occasions NOT to make refund credit balance from my credit card via Check. I had requested any funds that need to be moved from positive credit card balance to done electronically into my Checking account. BOA did this for some time, but then reverted to writing checks out of my Credit Card again without informing me of the change. I did not notice the funds had been removed or that checks had been written until some time later. 

I have spoken to many, many Customer Service reps at BOA over the phone, and have been promised on a number of occasions by various reps that the funds would be back in my account within 2 weeks. Each time this has not transpired. BOA never provided case numbers for any of the original conversations. 

I have been promised dozens of times for a call back, but have received in total 2 call backs, both of which were inconclusive. 

BOA do not provide any written communication, even via their online portal. 

BOA advised me I had to visit unclaimed.org to get my money back. This did not appear a useful resource. 

After a lot of work and repeated requests I was finally provided with some case numbers. I dont know if the case numbers are actual, but I was given : Complaint ID : XXXX Case Number : XXXX from XXXX XX/XX/XXXX BOA phone support do not provide their last name. the only person I ever made any headway with was XXXX from Delaware employee CIA # XXXX. She promised to call back after talking to the analyst, but never did. 

BOA has taken the following amounts of money from my positive credit card balance without my permission {$1800.00}, {$2100.00}, {$5100.00}. supposedly in the form of checks but which I never received. 

I just want my money back
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX  XXXX # Account XXXX has violated my rights. 

15 U.S.C 1681 Sections 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 604 A Section 2 ; It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Money transfer, virtual currency, or money service

I had XXXX in XXXX XXXX cards and 2 separate transactions for nearly just as much at a respectable {$150.00} and {$170.00} payments that werent authorized and as soon as I add the visas the next day they were emptied and the one had a charge from New York and I live in florida the other card had a bunch of XXXX transactions. And all of this happened on pay pal in a matter of a day Im out nearly {$650.00} and I have to pay my rent this week but they have to investigate it??
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inncorect inquires on my credit report that are were not authorized. They have negativitly affected my credit report. Below are the  unauthorized inquires. 

XX/XX/XXXXXXXX -- XX/XX/XXXX XX/XX/XXXX -- XX/XX/XXXX XX/XX/XXXX -- XX/XX/XXXX XX/XX/XXXXXXXX -- XX/XX/XXXX XX/XX/XXXXXXXX -- XX/XX/XXXX XX/XX/XXXXXXXX -- XX/XX/XXXX COMENITYBANK/VICTORIA -- XX/XX/XXXX COMENITYBANK/VICTORIA -- XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX -- XX/XX/XXXX XX/XX/XXXXXXXX -- XX/XX/XXXX XX/XX/XXXX XXXX -- XX/XX/XXXX XX/XX/XXXXXXXX -- XX/XX/XXXX XX/XX/XXXX/XX/XX/XXXX-- XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXXXX -- XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I've sent over 2 separate letters regarding my consumer report and the errors reported on there that need to be removed. I was recently evicted and misplaced my receipts when I sent out letters but 2 of them have gone unanswered and they just sent me my consumer report saying all the information is verified. Which I know is a quick and easy response to restart the clock in the 30-day timeframe they have to respond. The main inaccuracy that I have an issue with is late payments. Over 15 late payments are being reported on my consumer report, but according to your laws, late payments are excluded from being reported. It specifically states in 15 USC 1681a ( 2 ) ( i ) that " Reports containing information solely as to transactions or experiences between the consumer and the person making the report ''. Transactions and late payments or any kind of payment history are excluded, and also experiences. So how I use my card, and my " experiences '' with using said card are supposed to be excluded from your consumer report. If you look at the definition of a consumer report. Nowhere in there does it say anything about payment history, credit utilization, FICO, vantage score, etc. None of these items are mentioned in what defines a consumer report. In any consumer transaction, I am the original creditor, using my SS card which is my first credit card. If you do not agree then please see the definition of credit card for clarification. So therefore I extended my credit to these corporations, being how it was the use of my credit which was extended to them in the first place. Another big issue is the 3 collections reporting on my consumer report. A debt collector is a third party whom I do not have a contract with and who is trying to come after me for evidence of a debt. They do not have any proof of the debt and can not prove that I owe anything to them because they can not produce a contract that has the wet ink signature that I agreed to pay them anything. Debt collectors buy debts, knowing that they are bad debts, and may not ever collect any payment for them. So they can not cry wolf after knowing they bought a pool of bad debt that was a great possibility of not being collected. Each violation of my consumer rights is a minimum of a {$1000.00} fine, and there are many violations on my consumer report. I would like this information removed as it is causing me harm as I mentioned earlier I was evicted not long ago and this inaccurate information is making it difficult to extend any more of my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, the reason i'm start a new complaint today is because i got the respond letter from TransUnion saying that The disputed item ( U.S.Bankruptcy Court ) was verified as accurate. 
I do not understand if the Fair Credit Reporting Act states that the only way a negative item can actually stay on your credit report is if it is accurate complete and verifiable. The CITY AND STATE must be listed in the court name for it to be listed accurately, and the strangest thing is in XXXXx is not a Bankruptcy reported. 
What else i have to proof them that they are in violating of my rights from the FCRA. 
Whether it's public record or not obviously they don't get this information from the court. Also they required to have first-hand knowledge which means they need to furnish the actual petition.
Product: Checking or savings account

Citizens Bank overdraft policy " it's up to the discretion of the bank '' that is the explanation given by someone in the chairman 's office. This makes it impossible for the average person to understand when an overdraft will occur. In the past six months I was overstaffed even when I opted out of the program Credit card payments made within 30 seconds of each other one was paid one was initially paid but returned 2 days later. 
Money spent on games can be denied but after an hour allowed Bank charges {$6.00} per day while account is overdrafted Several Payments made have been charged overdraft fee and a returned payment fee when they are retroactively returned Payment types can be denied one month allowed the next month Scheduled payments like newspaper subscription always allowed. 
The overdraft policy of " it's up to the discretion of the bank '' means the rules are fluid and not predictable. My XXXX makes me impulsive and the fluid rules make it harder to manage money. The end result is the bank collects hundreds of dollars each month. I haven't changed banks because I was trying to solve problems as a customer but with overdraft occurring even when i opt out of program I have no choice but to find another bank of keep money under mattress. Clearly the fluid rules that change from month to month make it impossible to manage overdraft and the daily overdraft account feed only add to the banks take from my pension.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX in XXXX of 2020, sent my personal credit information to multiple banks. 
I had my funding already from my bank. The following inquiries was placed on my credit fraudulently. 
XXXX XXXX XXXX from XX/XX/2020 XXXX XXXXXXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXX  XXXX Inquiry from XX/XX/202XXXX XXXX XXXX XXXX XXXXXXXX Inquiry from XX/XX/2020 XXXX XXXX XXXX  XXXX Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX XXXX XXXXXXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXXXXXX XXXX  Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX
Product: Mortgage

In XXXX of XXXX  my mortgage was transferred from XXXX XXXX to XXXX XXXX. Due to this transfer my payment made in XXXX was not processed by XXXX XXXX and was transferred as through it was. 

Come XX/XX/2022 I went online to XXXX XXXX  to make my payment as I had been doing, and it showed I had a past due balance of XXXX plus late fees. I paid this amount, after being told XXXX XXXX  was proceeding with foreclosure and demanding the money right then and there. 

In XX/XX/2022, it still showed I was past due for XXXX, when calling in to XXXX XXXX again, I was again demanded a payment of XXXX, or they would foreclose on my home. Also demanding that I provide them updated phone numbers and contact info. Had to demand that I speak with a supervisor. Who discovered that while XXXX XXXX had collected my payment they had not applied the nearly XXXX to my account it was sitting in a cash account. 

End of XX/XX/2022, I called in because I still could not make a payment online and the payment still showed past due for a greater amount then just the amount due for XXXX. Discovered that the payments and amounts had not been applied. 

Now here we are XXXX of XXXX, I call in because I received a Real Property Notice of Valuation and wanted to discuss this with XXXX XXXX I am forced to take extra steps to provide documentation to even understand if th

e documentation is needed by my lender or will help lower my payment. Note : speaking with a manager she was able to help identify and resolve the concern however the continued frustration with XXXX XXXX  / lakeview is the inability to resolve issues and concerns typically in one call or without speaking to a manager. Being provided wrong or incorrect information by the default department, or just general lack of knowledge due to training or education.
Product: Debt collection

NOTICE New infomation New update I claim harm by way of trespass, fraud and Dishonor on XX/XX/XXXX ADVANCE AMERICA stated that they validated alleged debt after requesting " an authenticated record of accounting in order to validate and verify alleged debt '' this is what ADVANCE AMERICA sent " According to our records, XXXX XXXX entered into a Customer Agreement ( Agreement ) with Advance America on XX/XX/2021 at the storefront located at XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX. Under the Agreement, XXXX XXXX agreed to repay an amount of XXXX XXXX XXXX XXXX XXXX dollars and XXXX  cents ( {$1200.00} ) in XXXX ( XXXX ) bi-weekly payments of XXXX XXXX XXXX dollars and XXXX cents ( {$200.00} ) each and XXXX ( XXXX ) final payment of XXXX XXXX XXXX dollars and XXXXr cents ( {$200.00} ). After receiving no successful payment from XXXX XXXX, his account entered into default status on XX/XX/2021 with a balance of XXXX XXXX XXXX XXXX XXXX dollars and XXXX cents ( {$1200.00} ). XXXX XXXX XXXX reach out to our collections department at XXXX to discuss mutually agreeable payment arrangements for his outstanding balance. Advance America strives for excellent customer satisfaction, and we regret when a customer is dissatisfied with his experience with our company. Based on the above, we hope this matter is resolved to your and XXXX XXXX satisfaction. This letter is written under a full reservation of rights and is not intended to be, nor should it be construed as, any admission of liability or as a waiver of any rights afforded to Advance America, XXXX XXXX XXXX of Florida XXXX XXXX under any applicable laws, statutes or procedures. '' Notice to ADVANCE AMERICA I have the right to ask questions and you have a duty to answer them. I also have the right to obatin clear, complete and accurate information. 

I conditionally accept your offer upon proof of claim Pursuant to Federal Law 15 USC 1692g ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( 5 ) ( b ) ( c ) - Validation of debt Failure to comply with Federal Laws and dishonor I will hold the CEO, President and Vice President of ADVANCE AMERICA liable for fraud and dishonor.
Product: Bank account or service

On morning of XXXX/XXXX/2015, I woke up to having my account overdraft XXXX times with the bank maximizing overdrafts fees. I called the customer service center to find out why the bank charged my account the higher transaction first. The customer service rep was rude and starting yelling at me, the bank does not stack transactions, the its policy to pay off the higher one first. I asked for senior specialist, the lady told me the same thing, bank pays off the higher transaction first. at the point i requested a manager. I explain to him by paying off the higher item first, chase was re-ordering transactions to clear the highest item first is not considered a neutral, chase was maximize overdraft fees is in direct conflict with FDIC. I told him the XXXX previous rep told me that same thing, bank pays off the higher item first. He tried explaining in a different way after i told him he was conflict with FDIC. The rep told me it was in favor for the bank to pay off the higher item first. I thanked for his time and ended the call
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report I noticed several fraudulent accounts. I've tried to resolve this matter with the credit bureaus several times before but to no avail.
Product: Mortgage

On XX/XX/2024, I received an Annual Escrow Account Disclosure Statement from NewRez LLC with our XXXX XXXX XXXX XXXX along with {$6900.00} of incorrectly assessed Lender Placed Hazard insurance figured into our escrow calculation, essentially increasing our total mortgage payment approximately {$600.00} per month over what was necessary. I called customer service immediately after receiving notice in the mail and spoke with a man that said the Lender Placed Hazard Insurance had been canceled and he would request a new Annual Escrow Account Disclosure statement with the updated calculations. I never heard back and my online payment amount was unchanged. On XX/XX/2024 I submitted an online inquiry requesting the updated correct mortgage payment amount that would come due XX/XX/2024. I received email confirmation the request was received and we will respond as soon as we can. I never heard back. On Thursday, XX/XX/2024, I once again called customer service about the same issue. They said they had no record of a request for a new escrow calculation. I was on hold for an hour to receive confirmation that the request had been received with the escrow department and the customer service representative I was speaking to said the escrow department was not responding, and therefore, she was unable to give me confirmation that the request had been received and that all she was able to do at this time is submit the request and to allow 2 weeks for a response, which is after our mortgage payment is due. Now, Im powerless and have to pay the inflated mortgage payment amount or it will be reported to the credit companies. Also, the overpaid amount will sit in escrow account and will not be refunded until a year from now. NewRez has failed to address their miscalculation of my mortgage payment and their customer service department was not effective in solving my issue. Beware of NewRez, LLC!
Product: Credit reporting, credit repair services, or other personal consumer reports

The dealership told me that I would have 1 inquiry and they ran my credit multiple times after telling me they wouldn't.
Product: Credit card or prepaid card

I would like to file a complaint against Wal-Mart credit card, I have had their card for the past 4 years and they recently reduced my credit to {$180.00}, when i called their company they told me that it was because they re-ran my credit and that is what I was re-evaluated. The lady couldn't give me an explanation and kept referring to a letter that she would mail. Even though I have been paying my credit card every month including their incredibly high late fees and had established credit with them they still didn't budge. I told them that what they did was redundant since I had stopped using my card to increase my credit-income ratio to have a positive impact on my credit but now it shows that I'm still using 98 % of my available balance which of course will decrease my credit score.  The lady was just silent and was not helpful at all. I feel that this systematic decrease of credit and it having a negative impact on my credit score was done  deliberately so they can then claim that my credit score was why they  decreased my credit limit, regardless of the history I've had with them.
Product: Credit card

I received an email and in looking at my account online, both said that there was a fraud warning stating that I had to contact the company immediately or my account may be terminated. Both gave a number to call which was th fraud department. When calling the number listed ( numerous times ) I was told that because they were busy there was a wait of at LEAST 30 minutes. I tried to call other company numbers but was told that ONLY th fraud department could help me. I called all day long and finally reached someone at XXXXXXXX XXXX  who told me that the warnings I received were a MISTAKE! Some way, some how Citi.com should be fined or penalized for wasting a whole day of my time. If they knew that it was a mistake, they should have had a recording saying it was a mistake and not mek me waste 4 phopne calls and hours of my time! 
They should be fined/penalized for the waste of a whole days time!
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX