23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

My XXXX year old made an unauthorized purchase in XXXX store for {$100.00} on XX/XX/XXXX for coins. I contacted XXXX and they refused to refund stating not enough information ... .as I recall. I then contacted Bank of America and filed a claim. In the mean time I found another way to communicate with XXXX through chatting. They told me they couldn't refund me while I had a claim open w Bank of America, so I canceled the claim with the bank. I went back to XXXX and said I did what you asked and provided proof that my claim was canceled with the bank. They said its not canceled on our end with the bank so we won't be able to give you a refund. So, I went back to the bank again and reopened my claim. Now, yesterday the bank says the time has expired, they only have so many days from the day of purchase to complete the claim ... so they closed it, doing nothing for me. I contacted XXXX XXXX more time today and they say only the bank can give a refund. The bank never mentioned any time frames to complete the claim or expiration of the claim. Here I am with the bank and XXXX both telling me they can't do anything.
Product: Mortgage

Hello, I made my final mortgage payment onXX/XX/2024 in the amount of {$5300.00}. The total amount owed on the website was {$5300.00}. I tried to pay the exact amount but the website did not allow me to pay an cents. So then I tried to pay {$5300.00} and the website did not let me pay that. I went ahead and made the payment of {$5300.00} so that left me a balance of XXXX cents. On XX/XX/2024 I called and they advised me I still owed for escrow, and recording fees in the amount of {$1200.00}. They let me know the payoff amount was good until XX/XX/2024I went to the bank to get a cashier check and mailed it out. The next thing I knew I received a email stating my mortgage was late! I called New American Funding my mortgage company and they stated they had never received the cashiers check. And they stated I now owed {$1600.00} because I was late. I immediately went to the bank and they credited me the cashier check that was not cashed and helped me send a wire to pay the balanced owed. I did receive the paper work stating i Owe XXXX but they will not remove the late payment off my credit. I have worked very hard to keep my credit in good standing and this has caused an XXXX point drop to my credit rating. I have called them and they do not care i truly believe they are punishing me because i paid the mortgage off early and they are no longer able to make interest off me. This is not ok please help me with this unfair situation. I have attached the statement showing the date of my last payment, The payoff they mailed me, and the pay stub from the cashier check I mailed them that they state they never received. That shows ths date I purchased the cashier check as evidence.
Product: Mortgage

This Complaint is regarding the United State District Court Judge XXXX XXXX XXXX. On XX/XX/2015 the above Judge ordered saying that the Defendant [ Green Tree Servicing / XXXX XXXX XXXX XXXX XXXX / XXXX XXXX [ Attorney General office of the State of Mississippi ] has attempted to resolve this dispute without court action the Attorney General XXXX XXXX never tried to resolve this, never tried to show good cause and has been illegal day XXXX. It has been [ NO ] federal court cases regarding this illegal Corp. in the State of Mississippi. Now we have an illegal Federal Judge XXXX forgetting the People that was hurt by this corp .My address [ was and is ] XXXX XXXX XXXX XXXX , Mississippi .This corp. and its illegal Lawyers deals in the Mississippi Courts illegally, Sends illegal papers of foreclose of properties all day long, Never have an Judges order never. But that illegally transfers Deeds from State to State wrongfully and Federal Judge XXXX XXXX XXXX ca n't read that! NOT even the illegal Federal Lawyers can, t read this [ WHY? Who Got Paid Off? ] This federal case cost the people XXXX dollars for what?
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize these transactions it was fraudulent activity. Unverified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a previously removed collection on my credit report being posted by a different collector for the same inaccurate debt and I would like it removed from the credit bureaus immediately. I have tried disputing the item and it still has not been removed.
Product: Payday loan, title loan, or personal loan

So, I opened a money lion credit builder account. I paid of credit builder account early and was not given my escrow balance of XXXX dollars per the terms of the account. They first reported me late on credit then later reported me as paid. Very misleading. 

The company is named money lion.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX AND XXXX XXXXL was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX AND XXXX XXXX XXXXever sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports.
Product: Vehicle loan or lease

I financed a car in XXXX XXXXXX/XX/year> and they claim I owe {$18000.00} which could be impossible because I had the car for two years and a have which makes no sense because at that price of collection, that means I never made a payment, which is untrue
Product: Checking or savings account

I am a Bank of America customer and have a direct deposit set up for {$250.00} per pay period. On XX/XX/2021 I received an email notification from Bank of America advising me that my direct deposit for XXXX XXXX was posted to my account. Since I am a XXXX XXXX  and was working on XX/XX/2021, I decided to wait until today ( XX/XX/2021 ) to make a transfer from my Bank of America checking account to my XXXX XXXX XXXX XXXX account, using my debit card for an immediate credit, but when I tried to transfer the {$250.00}, I received the information that my transaction was not completed, so upon verifying my Bank of America account, I noticed that my available balance was {$100.00}, and there was a pending transfer transaction to XXXX XXXX XXXX XXXX in the amount of {$250.00}. Since every time I make transfers to XXXX XXXX XXXX XXXX from Bank of America with my debit card, I receive immediate credit ; and I did not make a transfer today, I also noticed that the transaction was showing as " checkcard transfer '' which whenever I make transfers with my debit card, it shows as " transfer to XXXX XXXX ''. To insure I was correct, I verified with XXXX XXXX XXXX XXXX that no credit in that amount was posted to my account today, and then contacted Bank of America to file a dispute on a fraudulent transaction. I was told by a representative that nothing could be done as far as disputing the fraudulent transfer made on my account. I was then transferred to a second representative named XXXX at the Disputes Department, who said that a dispute could not be placed and the only thing she could do for me was to shut my debit card and order a replacement, but no other action was taken and my funds are still being held on that fraudulent transaction, making me late for my rent payment due today.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act. the list accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Has violated my rights 15 U.S.C 1681section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Prepaid card

On XX/XX/2023 Bank of America notified me that my claim was overturned in my favor and that it was going to be paid in full. I understand that to be credited funds to my account on the basis that an error did occur and y funds will be reimbursed back to me accordingly. On XXXX XXXX I contact BOA asking why haven't I been credited my reimbursed funds yet. The response was that partial amounts were funded back and the rest should follow soon. Two days later no funds arrive. I contact BOA speaking to a supervisor which stated the bank will only pay or reimburse me partial amount and the merchant has already refunded the rest. I ask to pin point date and time in transaction history that the refund process or was transacted. They could determine exactly when or how it XXXX reimbursed just that it has been. Following up with a supervisor she informed me that on the same day I was notified that my dispute was won in my favor, that later on the same day was returned and claim was denied again, after notifying me I was to receive refund and won the dispute. I than proceed to request from the supervisor all documented conversation I myself and BOA have in history on record about this disputes. I was merely requesting a copy of all covered complaints that I have filed and record showing that they were being escalated to priority to be reviewed. I was told such a request isn't possible. I have in my record of history filed XXXX complaints against BOA dealing with policy and procedures and failure to conduct a proper investigation of these claims, and to provide substantial proof to evidently prove or influence the decision to simply deny my claims. I have submitted numerous documents which includes a fraud report from the FTC FEDERAL TRADE COMMISSION, XXXX CREDIT BUREAU XXXX INTERNAL REVENUE SERVICE IRS, CALIFORNIA DEPARTMENT OF CORRECTIONS, LEGAL REPORT FRO XXXX POLICE DEPARTMENT, COURT CREDITED DOCUMENTS AND OTHER DOCUMENTS TO SUPPORT THE BASIS AND TRUTH BEHIND MY CLAIM. I HAVE RECEIVED A PRINT out of transaction history which I've already had and a one page three sentence explanation that the cards used were authorized and activated with my credentials because they were mailed to the address on file and activated over a web portal. That doesn't seem exactly proof of any gravity to make a determine factor or decision when it was clear I had been a victim of true identity fraud. My claim has been denied, won, and denied numerous times without any proof. The funds stolen exceed XXXX us dollars and I'm seeking it all to be accounted for and refunded to me. Please review attached documents as partial evidence to support this complaint and my dispute claims with BOA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed fraudulent/unauthorized inquires on my transunion and XXXX report from XXXX XXXX on XX/XX/XXXX  it needs to be deleted
Product: Debt collection

Calvary portfolio contacted my roommate who was listed on my account as an emergency contact and provided them with personal information around my accounts and the amounts owed. I have four accounts with them and they have him specifics and all.
Product: Mortgage

On XX/XX/XXXX I enter into a mortgage agreement with this bank. At closing XXXX XXXX and city taxes were collected by the title company so they could pay the taxes. The bank required XXXX months of escrow payments in the amount of {$1000.00}. On XX/XX/XXXX the bank sent {$2500.00} to XXXX XXXX and on XX/XX/XXXX the bank sent {$990.00} to the city to pay the property taxes. 

On XX/XX/XXXX I contacted someone at the bank to explain to them that my escrow account was now in the negative because they should not have sent the tax payment. The response I got back was I am sorry, but our escrow department has something to be desired. This person sent an email asking for a copy of the tax bill to show why they paid these taxes. They never received a copy from the Escrow department. This person also told them to make a note not to pay any more taxes, however on XX/XX/XXXX they sent the tax payment to the city. 

After I did not get a good response from this bank and started to feel uncomfortable about them holding my mortgage and escrow account I went to another bank and refinanced my home. Because my escrow account was in the negative, they were adding that into the payoff balance. The new bank had to send over documentation showing the taxes were paid with the previous closing. In the end the payoff balance was corrected however not the escrow account. The escrow account still only showed a balance of {$1000.00} minus the {$990.00} from them sending the city property tax payment in error. 

On XX/XX/XXXX when the loan was paid off, they showed my escrow account balance as {$1000.00} because they took an additional {$66.00} in interest which has never been explained to me when the daily interest amount was {$110.00} and the payoff was good until XX/XX/XXXX so the new bank took the correct amount of interest off the payoff amount and sent them that amount. I have asked why I was charged an additional {$66.00} with no answer. 

I sent an email to the same person I spoke to at the bank about them paying the taxes and asking them why they took the additional {$66.00} in interest. They requested a copy of the payoff letter that was sent to my new mortgage company which was sent to them. They wrote back that they did not know what happened but would find out. On XX/XX/XXXX I sent a follow up email because I never heard back about my question. On XX/XX/XXXX I got a reply which did not explain the additional interest and that I should contact the city for a refund of the property tax payment. 

On XX/XX/XXXX I see from looking at my account online that they issued me a check for {$1000.00} from escrow account which is {$990.00} less because of the mistake of paying the city taxes and taking an additional {$66.00} in interest. I should be receiving back a total of {$2000.00} which is the XXXX months of {$520.00} taken at closing and XXXX months from payments I made in XXXX and XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate Customer Services. Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not ( EFTA ) and Regulation E. These actions have caused significant inconveniences and financial loss, and I seek appropriate Redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope this message finds you well. I am writing to formally request the removal of an unauthorized credit inquiry that appears on my account. The inquiry in question, made on XX/XX/XXXX and XX/XX/XXXX was not authorized by me and therefore should not be reflected on my account. 

I understand the importance of accurate credit reporting and compliance with the Fair Credit Reporting Act ( FCRA ). According to the FCRA, any credit inquiry must be authorized by the account holder, which is not the case with this particular inquiry. As such, I kindly ask for your immediate attention to this matter. 

Please initiate an investigation into the unauthorized inquiry and take the necessary steps to remove it from my account. I also request that you provide me with written confirmation once the inquiry has been successfully removed, as this will help ensure the accuracy of my credit report. 

I appreciate your understanding of the urgency of this issue and your commitment to resolving it in a timely manner. 

Thank you for your prompt attention to this matter. I look forward to your timely response.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX is reporting a sum of {$74000.00} for my credit for a XXXX of a XXXX This XXXX was made in XX/XX/2019 by XXXX XXXX. To this date they had not taken action I believe that the time to make a report to the credit bureau has already expired. 
In Addition 18 months have passed since the repo of the Vehicle and I never sign any documents with this company.

Furthermore in all this time ( 18 months ), the Company had notsend any message or documents related to this matter. 
At this moment They not have contact me or send me any letter at respect, They report to Credit Bureau whit out contact me first. This is a consumer abuse. 
This action is affecting my credit at this moment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the following false accounts on my credit report with the credit bureaus but have not received any response : 1. XXXX XXXX XXXX account XXXX 2. XXXX Credit Card account XXXX 3. XXXX XXXX XXXX account XXXX 4. XXXX XXXX XXXX account XXXX 5. XXXX XXXX XXXX account XXXX Please investigate and delete asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect information reporting on my credit file due to my identity being stolen and sold on the dark web where someone has consumed my identity and the results are a bunch of fraudulent accounts inwhich I'm begging to be removed and/ or blocked from my credit data files. I'm also asking that the major credit bureaus provide me with any and all certified physical documentation for my viewing before reporting any thing via electronic Verification inwhich by consumer law can not be taken for proof of any sort, Therefore, I'm demanding that these fraudulent accounts be blocked immediately. 

1 ) XXXX XXXX 2 ) XXXX XXXX 3 XXXX XXXX XXXX XXXX 4 )  XXXX XXXX XXXX  5 ) XXXX XXXX XXXX  6 ) XXXX XXXX  XXXX  7 ) XXXX 8 ) XXXX XXXX XXXX  9 ) XXXX XXXX
Product: Debt collection

-Identify Theft report filed with FTC XXXX 
-Disputed collection account via credit bureaus. 
-Hired a lawyer to negotiate with collection company to pay but denied any negotiations to come to a middle ground.
Product: Mortgage

I am the daughter of a XXXX veteran. I moved back to my home state around XX/XX/XXXX to care for my Father during his illness. After his death on XX/XX/XXXX, I was appointed as the Personal Representative for the estate. 

The insurance cancelled around XX/XX/XXXX and PHH forced-placed insurance on the residence during hurricane season. Subsequent to that two major hurricanes occurred back to back causing damage to the residence. Subsequent to that I sustained a work injury that left me unable to return to work. In the interim while I was awaiting adjudication of workers compensation claim, PHH denied assistance to help avoid foreclosure, initiated foreclosure during review of loan modification and failed to properly process application for loan modification as the successor in interest.

I am writing to report the illegal wrongful fraudulent foreclosure by PHH Mortgage Corp on XX/XX/XXXX, the misconduct regarding servicing and foreclosure practices, poor servicing practices, predatory lending, improper records practice, not correctly following lending laws, errors in documents and mortgage servicing fraud. PHH denied assistance to help avoid foreclosure, failed to correct notice of errors on their records that was identified, failed to process loan modification and unprocessed loan modification. I will followup with additional information to documenting dates and time of events. I am asking for a review of this mortgage foreclose.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 Franklin Collection services reported a derogatory remark on my credit report for a collection of XXXX dollars. The original creditor was XXXX XXXX. I later learned it was my ex wife who open the account under my name with out my consent. I called Franklin collections to resolve this and get this remark off my credit report because I’m currently try to purchase a house. The told me “ pay the full price and we will remove it or pay partial and won’t take it off the credit report. I was met with rudeness and unprofessionalism. I have told them I had no knowledge of this account to which their response was rude and unsympathetic. I need this removed off my credit report and I’m even to pay a partial of the collection considering the account was open with out my consent.