23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

WHEN AT THE HOSPITAL, MY VEHICLE THAT WAS TOWED TO AN IMPOUND LOT WAS ACCUMULATING STORAGE FEES AND AUCTIONED OFF ALONG WITH MY DRIVER LICENSE, SOCIAL SECURITY CARD, W2, 1099, CREDIT CARDS AND CHECK BOOKS AND THE PERSON WHO TOOK POSSESSION OF THE VEHICLE DID NOT RETURN MY PERSONAL ITEMS AND DID NOT TAKE CARE TO SECURELY DESTROY THEM. 

I CALLED UP AMERICAN EXPRESS WHEN I GOT OUT OF THE HOSPITAL AND REALIZED THAT THE TOW YARD HAD AUCTIONED OFF MY VEHICLE WITH CREDIT CARDS IN THE VEHICLE AND ASKED TO CHANGE THE ACCOUNT NUMBERS AND HAVE NEW CARDS REISSUED. MR. XXXX WAS ASSIGNED BY THE XXXX COUNTY COURT AS A CONSERVATOR AND MANAGE MY FINANCIAL MATTERS BUT HE TOOK THE CHANCE TO REDIRECT ALL MY MAIL AND FINANCIAL STATEMENTS TO HIS OFFICE SO I NEVER RECEIVED A REPLACEMENT. AS SUCH, I CAN NOT VERIFY THE VALIDITY OF THESE CHARGES AS I HAD MANY CARDS THAT I DID NOT USE ON A REGULAR BASIS AND THEY HAD XXXX BALANCES AND ARE PAID IN FULL EACH MONTH IF SOMETHING APPEARS ON THE STATEMENT. 

MR. XXXX WAS SUPPOSED TO TAKE OVER AND SHOULDER THIS RESPONSIBILITY OF MANAGING MY FINANCIAL AFFAIRS BUT DID A SHOCKINGLY BAD JOB. HE CANCELLED ALL MY CREDIT CARDS RESULTING IN MY CREDIT SCORE FALLING DUE TO THE AVAILABLE CREDIT TO DEBT RATIO AND NEVER PASSED ALONG ANY REPLACEMENT CARDS AND SEIZED AND HELD ON TO MY BANK ACCOUNTS. 

I AM NOT SURE IF THE CHARGES ON AMERICAN EXPRESS ACCOUNT # XXXX OPENED ON XX/XX/XXXX AND LAST REPORTED ON XX/XX/XXXX ARE DUE TO ANNUAL FEES OR WHETHER FRAUDULENT CHARGES HAVE BEEN MADE ON THAT ACCOUNT OR WHETHER MR. XXXX MADE ANY OF HIS OWN CHARGES ON MY ACCOUNTS. 

THE AMERICAN EXPRESS REPRESENTATIVE I SPOKE WITH XXXX SAID THAT I DO NOT HAVE TO WORRY AS I WILL NOT BE LIABLE FOR CHARGES THAT I DID NOT MAKE OR AUTHORIZE AND NEW CARDS WILL BE ISSUED. I DO NOT UNDERSTAND WHY AMERICAN EXPRESS LISTENS TO MR. XXXX OVER THE RIGHTFUL ACCOUNT HOLDER AND ALLOW THE FORWARDING OF REPLACEMENT CARDS AND STATEMENTS TO HIS OFFICE ADDRESS, WHICH IS XXXX XXXX XXXX XXXX, XXXX MI XXXX. 

IN ANY CASE, MY BEST RECOLLECTION WAS THAT THIS CARD HAD A XXXX BALANCE AT THE TIME IT WAS TAKEN OFF MY CHARGE BY MR. XXXX AS I JUST CAME OUT OF THE HOSPITAL AND DID NOT HAVE ANY CHARGES TO MAKE AND WENT TO PAY ALL MY CREDIT CARDS UPON RELEASE TO AVOID ANY PENALTIES AND NEGATIVE CREDIT REPORTS. THE ONLY TWO CARDS I USED WERE THE XXXX XXXX XXXX XXXX XXXX AND THE AMERICAN EXPRESS PLATINUM CHARGE CARD AND THE CHARGE CARD HAS TO BE PAID MONTHLY IN FULL. 

UNTIL AMERICAN EXPRESS AND XXXX VERIFIES THAT THESE CHARGES ARE NOT DUE TO ANNUAL FEES OR DUE TO MR. XXXX MAKING CHARGES ON MY PERSONAL CARDS AND THERE WAS NO FRAUDULENT CHARGES ON MY ACCOUNT FROM THE AUCTIONED OFF VEHICLE CONTAINING MY CREDENTIALS AND CREDIT CARDS, I ASK THAT XXXX  REMOVES THIS UNVERIFIED CREDIT ITEM OFF MY CREDIT HISTORY AS IT IS NEGATIVE AND IS NOT ACCORDING TO WHAT WAS ADVISED BY THE AMERICAN EXPRESS REPRESENTATIVE I SPOKE WITH WHO TOLD ME I WOULD NOT BE LIABLE FOR CHARGES THAT I DID NOT MAKE OR AUTHORIZE.
Product: Checking or savings account

OnXX/XX/XXXX my mother went to the Bank of America with my sister whom has ill intentions for my XXXX year old mother. Bank of America in XXXX XXXX, CT told her and my sister that I had gained access to her account through a false power of attorney and this complaint builds on my last complaint of harassment at this branch. The fact is that my initial POA was poorly created, because I witnessed it, and did not know I could not be a witness on my own attorney of fact document. Then I went back to another branch ( XXXX, CT. ) after being racially profiled at the XXXX XXXX , CT. branch as a follower of XXXX, and gave them the new POA with the proper witnessed signatures. Not only did BOFA accept the POA, but they gave me a notarized stamp of approval on the actual screen print showing I am currently the POA. Now, this branch has already harassed me, and there was little I could do because the evidence was all he said she said --. But. The Truth is my mother, whom I live with and take care of, now thinks that I stole from her -- because Bank of America in XXXX XXXX said I did. It has damaged my relationship with her immeasurably, even though she consented to the POA in the first place, and this has also caused me emotional injury. I want the name of the person whom told my mother ( even though my POA -- which was already on file as of last month through the XXXX, CT. branch ) that I stole from her --. I am suing for emotional injury and if you think I am bluffing -- know that my XX/XX/XXXXwas created by XXXX XXXX XX/XX/XXXX. And also please know that the XXXX XXXX branch gave my mother a copy of the durable power of attorney that was initially incorrectly signed -- not the one they have on file that was given to the XXXX, CT. branch. Please see attached. I want terminations and I want names. I am suing for emotional injury.
Product: Mortgage

I am selling my home to a veteran that has rented to me for a very long time. He is an excellent renter. Recently, Veterans United sent him an email saying that his mortgage was approved and then now says that was a " glitch ''. This has caused my tenant to deal falsely with me ( and I'm not going to kick him out over this but still... ) as well as deal falsely with my bank in making arrangements for financing on another property. This is textbook lender liability. Their XXXX  is XXXX
Product: Checking or savings account

Hello, I am writing regarding XXXX overdraft fees charged to my Citizens Bank checking account. On XX/XX/2023, there was a debit from my account for my retirement. The debit was not supposed to occur in XXXX as it was deferred for XXXX and XXXX. Unfortunately, this caused my checking account to go into a negative amount. I obtained credit for the incorrectly charged amount on my retirement account. This was noted in my checking account on XX/XX/2023. In the meantime, my bank charged me XXXX overdraft fees. I contacted the bank on XX/XX/2023, via telephone and was told the bank can only reverse XXXX overdraft fee. I told them that based on the circumstances, it seems unfair not to reverse all three. I also tried going to the local branch on XX/XX/2023, but the teller told me the bank can only reverse XXXX overdraft. She did not bother to listen to the circumstances of my request. I asked to speak with the branch manager but the manager was supposedly speaking with a customer. After XXXX minutes I left. I am looking to have these XXXX overdraft fees removed. Please contact me with whatever information you need. 

Sincerely,
Product: Mortgage

Bank of America, in my opinion, is punishing me for my prior complaints. 

I've made a transfer to pay the mortgages this month and now can't log into the website to make the payments. As the attached says the system isn ' available to me - not generally unavailable, just to me!! 

I've made repeated attempts to call - and you should try it too - without an answer. You'll get a recording about this being an attempt to collect a debt, and other intimidation language but you will not get the thing fixed so I can make the payment without BoA assessing 'late fees ' or other punishment for my complaints.
Product: Debt collection

Receiving repeated texts about account I never had and do not owe. The text comes from XXXX and reads as follows : " Please contact MRS.BPO LLC at XXXX regarding a matter for XXXX XXXX. 
MRS is debt collector. If you want to opt out of future text messages reply withSTOP. 
visit us at .XXXXMRS.BPO.COM To see important rights and information click MRSBPO.COM/STATE- DISCLOSURES '' I have replied with STOP multiple times but they keep sending these texts. I have not clicked on the link or gone to the website because I don't want them electronically capturing my information. 
Also I do not have a XXXX account of any kind nor do I owe them any money. I have verified this with XXXX 3 separate times. I am fed up with these fraudulent crooks harrassment!
Product: Credit card or prepaid card

After contacting a merchant that charged me several times without providing a service, I initiated a chargeback with Chase on XX/XX/XXXX. I won this on XX/XX/XXXX. However, the merchant simply charged my card again for the full amount of the dispute even though I had won the dispute. 

I called Chase and the answer was unsatisfactory. They opened another dispute that the merchant will have an opportunity to appeal again. There was no mechanism for automatically resolving this in the favor of the consumer. There also wa n't any mechanism for requiring a higher burden of proof from the merchant in the case of this repeat-chargeback. They also said they could not block the merchant from charging me a third time. Rather they would ask the merchant to stop charging but there is no guarantee they would comply. 

In short, there appears to be nothing stopping the merchant from repeating this behavior into perpetuity. And every time I dispute it, they will have another chance to win the dispute. One day they might win.
Product: Mortgage

I have received a letter from Evergreen Home Loans on XX/XX/2022 accusing me of not furnishing my Condominium Unit Owner Insurance and force-purchasing insurance for my property at an astronomical cost ( more than {$800.00} ) while I indeed have my own property insurance purchased at a much lower cost. I have submitted proof of my Condominium Unit Owner Insurance FOUR times in the past 2 months previously but the loan company ignored all of my communications making me believe that they are attempting to force their own insurance on me no matter what the situation is. 

I received the first letter from them requesting insurance information this year on XX/XX/2022 and on the very same day I submitted the requested information on Evergreen.Providemyinsurance.com per the letters instructions. 

Nevertheless, I received another letter on XX/XX/2022 suggesting that the information was not received and threatening that insurance would be purchased for me at a very high cost. I then - Immediately contacted them over the phone on XX/XX/XXXX and was instructed to send the document again to XXXX. The e-mail was sent on the same day and the phone agent informed me that it would be taken care of within 24 hours. 

On the same day ( XX/XX/XXXX ) I also re-submitted the document on Evergreen.Providemyinsurance.com. 

My insurance company also faxed the insurance declaration on XX/XX/XXXX to their companys fax number. 

Despite spending all these time and effort furnishing the property insurance information to them in various ways, they still keep disturbing and harassing me. I find this business behavior of force-purchasing insurance in spite of the fact that I have fulfilled my loan requirements very dishonest and unbelievable.
Product: Checking or savings account

On XX/XX/2019 I purchased a XXXX XXXX XXXX XXXX online at XXXX. Weeks went by and never received the item and found out it was " delivered '' when I finally check tracking. Obviously I went immediately to XXXX corporate and let them know what happens. They promised to fix the problem in 48-72 hours. 

Now a month later, dozens of calls later, I finally took this matter up with my bank. I contacted my bank who refused to take a report of the fraud, they told me the ONLY way to do it was to go login and put the complaint online. I did so as asked. They then kept messaging me through their app and asking questions. 

I provided timelines, all the details, and they said the would get on this immediately. Today my phone buzzed again, and to my surprise, they are NOT fixing this fraud issue. 

They sent a message today that said thanks for reaching out. We have determined there was no error the transaction. We understand you returned an item and they will have to refund once received? That's a big question mark, what items did I return? Nothing, as I never even received it. 

So I'm not only dealing now with a fraudulent merchant, but also with a fraudulent bank. I called in immediately and asked to speak with a supervisor. The agent, XXXX, stated that no supervisors are available. I asked how do I make a complaint, she said they don't have anything for that. I said well let me speak to the fraud team, she said they don't take calls. She refused to escalate this issue at all. 

In all my years I've never had a bank refuse to investigate a fraud case. Moreover, they have noway to even put in a corporate compalint. I can't even reach the fraud team. They have a messaging system online and they ask you to go on there and dispute things this way, I've done that a dozen times and they refuse to have anyone from Fraud, Supervisor, or from corporate at all contact me and look into this matter. 

I'm a XXXX XXXX XXXX veteran who has not only been taken advantage of by a company ( more common today sadly ), but I'm also being taken advantage of by my own bank, Simple.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report to find the following items to be incorrect. 
I have explained the discrepancies in the numbered entries listed below : Your XXXX XXXX XXXX XXXX XXXX XXXX  According to my records the information you are reporting on this account is inaccurate. I demand that you remove this information from my credit report immediately. 
By the provisions of the Fair Credit Reporting Act of 1970, 15 U.S.C. 1681 et seq., I demand that these items be reinvestigated and deleted from my credit record. Please send me the names and addresses of the companies that you contacted so I may follow up.

Under the terms of the Section 168 li of the Act, you have 30 days from receipt of this letter to verify this disputed information. In the event you fail to verify this data, or fail to respond to this request altogether, the disputed data must be deleted in its entirety.

Also, pursuant to 15 U.S.C. Section 168ld of the Act, please notify me when the items have been deleted. You XXXX  my XXXX a XXXX copy of my credit report to the below address. According to the provision of Section 168lj, there should be no charge to this Dispute
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm 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 XXXX 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 Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$260.00}
Product: Credit card

I pay my credit card off in full every month by automatically drafting from my checking account. Because of an issue with the software they ( Chase ) use - it was updating at the time of the draft- it did not properly draft on the XXXX of XXXX, the money was returned to my checking account. three days later they drafted again. For some reason the amount they drafted ( {$16000.00} ) was accounted for as a purchase. I can only assume this was due to them returning the payment. I am being charged for a credit card bill of {$29000.00} when it should be {$16000.00} less. What should be an easy issue to clarify appears to be something beyond the capabilities of whomever at Chase has reviewed this matter. I have spoken to 4 different customer service reps and 2 supervisors, spent hours on hold, and requested that someone who could analyze my situation call me. What I received was letter that read Im writing because you told us that you would like your credit card account reviewed to insure your credit card statements are correct. XXXX, we are happy to tell you that we reviewed your credit card statements at your request and found them to be correct. Im sorry for the delay in receiving a response. The letter was signed Card Services. No explanation, no person to refer to or make inquiries, no call, as was requested from the department that was to clarify this situation. As one who has been in customer service most of my professional life it is amazing to me that this company is able to operate and thrive with a complete and utter disregard for their customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Submitted On numerous occasions the inaccurate reporting on my credit file for aXXXX XXXX XXXX. they immedicably don't provide me the proper investigation on my credit report. they are hurting my file and character as reporting inaccurate information. they don't send me any proof to validate this inaccurate report.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX - Received a Cash App card that I didn't apply for ( I do not have a cash app account ). 

XX/XX/XXXX - Called Cash App customer service and made them aware of the fraudulent account and asked them to close the account. I provided the following information per their request. 

In order to disable the card, we need the following : XXXX. Your Full Legal Name ( first and last ) XXXX. The name listed on the Cash App XXXX you received XXXX. Has anyone previously lived at this address? 
XXXX. Please use this link to securely share the front and back images of the card : https : XXXX. 

I was told that I would receive a follow up and never did. 

XX/XX/XXXX - I received an email stating that my case was being closed " because a response was provided, or it's been more than 3 days since we've heard from you ''. I was then given instructions on how to reach out though the App which I do not have. 

I replied- I don't have the app because I never opened an account. Cash App allowed someone to open an account in my name without the proper credentials. I would like documentation showing that the account is closed. This responsibility does not fall on me, this is on the Cash App company for allowing fraudulent activity. I was told that I would receive a follow up and never did. 

XX/XX/XXXX - I received a XXXX in my name from Cash App showing that the fraudulent account had accepted a total of XXXX transactions in the total amount of {$7600.00}. XXXX transactions occurred in XXXX and XXXX after I had made Cash App aware that the account was fraudulent and had requested to have the account shut down. 

XX/XX/XXXX - I reached out to XXXX and let them know about the fraudulent account/transactions. I was told that their fraud department only corresponds via email and that I would receive and email shortly. I never did. 

XX/XX/XXXX - I once again reached out to Cash App, letting them know that I had received a XXXX. I again asked for information on who opened my account ( what email it was opened with, etc. ). They would not provide me with any information and refused to help me. I later received a follow up email stating that they do not give tax advice. 

I attempted to call my local police department to make a report of identity fraud several times and no one answers the phone. I was even transferred by dispatch and no answer. Needless to say, I don't have much faith in my local law enforcement helping me. 

I am now on the hook to pay approximately {$1100.00} in taxes for fraudulent transactions that occurred in my name.
Product: Debt collection

To Whom It May Concern I am writing to formally dispute inaccurate information contained in my credit report, which I obtained from your agency on [ date ]. The following item ( s ) is/are inaccurate : MidLand Credit management . Incorrect balance Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure the accuracy of the information reported and conduct a timely investigation of any disputes raised by consumers. Specifically, your obligations include verifying the accuracy of the disputed item ( s ) and updating or removing any unverifiable or inaccurate information within 30 days of receiving my dispute.

Your failure to comply with these requirements constitutes a violation of the FCRA, subjecting your agency to civil liability under 15 U.S.C. 1681o for negligent noncompliance. The statute allows for the recovery of actual damages, legal fees, and other costs associated with your failure to meet your legal obligations.

To facilitate your investigation, I have enclosed the following documentation : 1. A copy of my credit report highlighting the disputed item ( s ).

2. [ Any relevant supporting documents, e.g., statements, proof of payment, correspondence with the creditor. ] 3. A copy of my identification and proof of address ( e.g., drivers license, utility bill ).

I respectfully request the following actions : 1. Conduct a thorough investigation of the disputed item ( s ).

2. Provide me with written confirmation of the results of your investigation.

3. Remove or correct any inaccurate, incomplete, or unverifiable information immediately.

I expect a written response within 30 days as required by the FCRA. If this matter is not resolved promptly, I reserve the right to pursue all available remedies under the law, including legal action to recover damages for your negligent noncompliance.

Please address all correspondence regarding this matter to the address listed above or contact me directly at [ your phone number ] or [ your email address ].

Thank you for your immediate attention to this matter. 

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

I have sent numerous letters to XXXX XXXX  and the credit bureaus XXXX, XXXX  and transunion.I feel that the decision was unfair due to the circumstances.In the event of the information being erroneous and outdated. I have been caused a great deal of stress and anxiety due to my current status of applying for a home loan. I was denied credit due to the late payment. It is also reporting 90 days on one report and 30 days on the other.My credit is very important to me.I take full responsibility for my actions that was not in my ability to control Life happens. Unfortunately, at the time of the incident mentioned above, I had accident that caused me miss a payment hospital stay/injury. I am asking that the late payment be removed and I have a plan to avoid this happening in the near future. My payment history is 99 % which is excellent.
Product: Credit card

The Chase Bank credit card is the card my parents used before they were alive, but my father passed away and my mother is currently in debtor. I have helped my parents pay their credit card and rental properties bills from my checking account several times, but even though I have never used it and it is not my card, Chase Bank has put my parents ' card on the control count with the credit reporting company. It is so absurd that I have contacted the collection agency and Chase Bank, but they have not taken any. 
I would appreciate it if you could let me know how to process this as quickly as possible.. 
Thanks you. 
XXXX XXXX