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

I am currently reviewing my Equifax Credit Report and there is an address reporting on my credit report that is not mine. 
Below is the address that I would like to have permanently deleted : XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX
Product: Credit card or prepaid card

I made a purchase of XXXX XXXX  mouses on XXXX  on XX/XX/XXXX but I never got them. I contacted the merchant a month after the purchase date but the merchant said they can do nothing because it has been over 30 days and ask me to file a claim with my credit card company. And I did that on XX/XX/XXXX. However the merchant used the XXXX  tracking information of another order which was placed on XX/XX/XXXX on my account to prove that the order was delivered. Citi just didn't look into that and denied my dispute. And I am not able to file the claim again. I am so upset about how the merchant and citi bank treat their customer in such unfair and careless manner
Product: Credit card or prepaid card

In XXXX of 2022, I saw an offer at XXXX for the Upgrade XXXX  XXXX card. They tout an offer of {$400.00} for opening the account. 

I went ahead and went through their account opening process and found out that it was essentially a loan. They charged interest on the XXXX transactions that I made ( even though paid in full / on time ). To get the {$400.00} for opening the card, you needed to post XXXX transactions to the card in 60 days, and it would post 1-2 billing cycles after this happened - or so I thought. 

After contacting their customer service, I learned I needed to ALSO open up their Upgrade XXXX  Checking account. Never in the process was I provided a link to open up a second account or asked to do so. It was after the 60-day period closed, that I contacted their office to see about the account bonus and they said I needed to open a checking account and that my 60-day window had closed. 

Here 's how they word the offer when you open up the XXXX  card : " To qualify for the welcome bonus, you must open and fund a new Upgrade Rewards and make XXXX debit card transactions within 60 days of your Upgrade Card account opening. The bonus credit will be posted to your Upgrade Card as a rewards credit within 1-2 billing periods following the third debit transaction on your XXXX Checking account. Your Upgrade Card must be in good standing to receive a bonus. '' If that isn't misleading, I don't know what is. I even sent several notes to their support team to ask, " do I also need to open up a checking account to receive this reward? '' and they replied with the same message above. 

I'm reporting this to warn others not to interact or sign-up for this credit card. Also for XXXX XXXX for promoting this misleading offer. It is a loan, associated with a credit card and charges crazy rates. There shouldn't be a product like this on the market. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and Transworld System are continuously reporting inaccurate information on my credit profiles. Both companies are alleging that I owe them. I have previously communicated with both companies ( see attached ) disputing the validity of their alleged debt and even requested they provide the documentation to indeed support that allegation that I owe them. Transworld NEVER provided a dunning letter to me prior to inserting the erroneous entry on my report, nor did they allow 6 months from the time of the alleged debt for insurance to pay per Affordable Care Act.  These entries from both companies should NOT be reflected at all. 

I have continuously made payments to XXXX for these same exact debts that these 3rd party collection companies are asserting I owe. How do I owe them anything if I am paying the company itself? This is absurd and illegal. Additionally, both companies should provide a copy of the contract they have that reflects my signature that binds me to owing them ... .... See attached documentation that reflects my payments to XXXX for all outstanding balances I have with them. My monthly payment arrangement is with XXXX ; therefore, I do not owe XXXX nor do I owe Transworld. 

DELETE BOTH OF THESE ERRONEOUS ENTRIES AS THEY ARE INACCURATE AND UNVERIFIABLE.
Product: Consumer Loan

RE : INVOICE Notice The Credit Card Financing. 
7.9 % APR for XXXX Custom Payments TERMS. This transaction is under your Credit Card Agreement with Wells Fargo Financial National Bank ( " the Bank '' ). 


Breach Of contract 1. I looked at my contract with XXXX 's XXXX Company and they charged me for a new down flow unit I never got, but will have to pay for. 
2. Thermostat : They used my old wiring and charged for new. 
3. He said he was sending out a year supply of air filters ( XXXX ) 4. He said that they would mail us all the manuals for the equipment. 

XXXX 's XXXX XXXX has never done any of the above. They did make a {$300.00} payment to to off set the price so it would be comparable for a smaller XXXX unit. 
My husband contacted Wells Fargo to stop payment until all the problems were fixed, Wells Fargo told him he would have to take that up with XXXX 's XXXX XXXX. 
Now on our Wells Fargo bills we get charged {$31.00} interest charges every month on purchases. We are setup to have 7.9 % APR with XXXX custom payments, but have n't been shown what the payment will be. 
On our bill it changes every month on the APR and payments and charges for on purchases {$31.00} interest. What our we buying to get charged for? 
And why do n't we have our payments of XXXX custom at 7.9 % APR setup? 
And why is this not setup on our monthly bill. At this rate it will never be paid off. What is Wells Fargo doing? 
XXXX and XXXX XXXX XXXX
Product: Checking or savings account

This is an additional complaint in regards to my original complaint # XXXX submitted on XX/XX/23. 

The bank had initially taken out double the amount of money from my checking account to pay my credit card account then refused to refund me in a timely manner ( see original complaint XXXX ). After I filed this complaint with you, a few days later they finally replaced the original amount of overpayment to my checking account, although they did not pay me the additional fees that I am still filing for, which are fees for my time having to be on the phone with them for over FIVE hours to fix this, as well as any overdraft and late payment fees they would have charged me had the shoes been on the other foot. 

NOW, Friday XX/XX/XXXX, they finally contact me by leaving a voicemail this morning from their " Protection Department '', saying that they are ( just now ) responding to them accidentally taking out the extra money from my checking account. So, their action that they have taken is that they have placed a restriction on my checking account! So, now I can't access any of my money in my checking account! 

I called them back at the same department as soon as I could, but a different person who answered said that they can't help me and transferred me to their Regulatory Complaint department ( the department who is handling my complaint I filed with you ). I got her voicemail and left a message. 

This person from the regulatory complaint department just called me at XXXX ( my time, XXXX ) and left me a voicemail. I tried to call her right back, but it turns out she only works until XXXX XXXX ( my time XXXX ) so her phone was already automatically directed to her voicemail. She won't be back in until Monday, so now I am cut off from accessing any of my money in my checking account for 3 days until I can get this fixed on Monday! 

This is downright harassment for me filing a complaint with you. There was absolutely no reason for them to put a temporary restriction on my account. They did not overpay me any money from their initial error. Now they're saying that I can't access my own money until I contact them, 3 days from now??? 

I'd like to amend my initial # XXXX complaint 's restitution demands and add additional fees for them preventing me from accessing my own money for XXXX days, and charge them interest fees for the amount of time it takes for me to regain access to my money, as well as a {$150.00} harassment charge per day that they do not remove any restrictions from my account. 

Bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX
Product: Debt collection

XXXX several calls in a day from various cities, and phone numbers. Stating if I dont pay I would potentially have my funds garnished. I asked them to stop calling when unemployed and after receiving part time work that I was still experiencing a hardship and would contact them when it would be a better time to pay. They state they note the account yet still call multiple times a day.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Vehicle loan or lease

I cosigned for a car for someone in XXXX who then approximately one year later decided to abandon the car and left it with me. I then had to go through hoops to try to get the car registered in my name and have the car sold to me in XXXX with all the documents and paid receipts of sale in XXXX the car was lost in the flood in XXXX and as of this date XXXX XXXX has refused to pay off the vehicle because XXXX keeps sending a title in their name as the owners even though there is no lien on the car and my name and the person I cosigned for is still on the back of the title I have tried several times with the motor vehicle department insist that XXXX has to have my name put on the title being it is sold and paid for XXXX has not helped me in approximately six years that Ive been trying to do this and now I am stuck with a car that is salvaged And XXXX XXXX will not pay me until the title that XXXX has to release has my name on it It seems that this is an ongoing problem with XXXX for people trying to get a title and their name. This is not acceptable to them to issue a title with their name still on it as the owners when the loan is paid off after purchase and I have receipts for it XXXX XXXX will release my money but I have to send them a title with my name on it so it can be sold to them for reimbursement. There was no loan on the car after the lease. We just bought it out right as the receipt shows. Thank you.
Product: Checking or savings account

ON XXX-17 a charge for XXXX was billed to my debit card for XXXX, I do not have XXXX, I have been on hold with BOA for 33 minutes to dispute this. I can not dispute it online, have to call. I need your help.
Product: Debt collection

The procollect has been disputed the mortgage debt multiple times even after I have contacted them and provided all the details regarding the identify theft and Im not involved in it. I also contacted the primary source company XXXX XXXX XXXX  and gathered the details : they also informed that they have no records under my name :
Product: Checking or savings account

On XX/XX/2021, I deposited mistakenly {$300.00} into a closed account. I had the money at XXXX of XXXX and transferred I thought into my personal account. I was mistaken. XXXX had linked it to a closed account. I have filed several missing funds request with the bank ( 6 reports ) and have made several more trips to my local bank. All to NO avail. I'm a senior citizen on a fixed social security income. This XXXX is needed for basic living expenses. I've tried for 3 months to recover my money. The bank informed me that I need to go back to the bank yet again and complete yet another form. I need your agency 's help. When is a XXXX XXXX dollar bank can hold someone's money and keep running a senior citizen around in circles for NO reason? Just give me the money due to me.
Product: Credit reporting or other personal consumer reports

Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX above this account is listed but as XXXX different accounts it's all showing in correct information that does not belong to me. I've tried getting this removed before. 

it's showing across all three pass due on a " collection '' Date Last Payment : XX/XX/XXXX Inaccurate XXXX XX/XX/XXXX Inaccurate XXXX XX/XX/XXXX Inaccurate XXXX High Credit : XXXX Inaccurate XXXX XXXX Inaccurate XXXX XXXX Inaccurate XXXX These above is showing the high balance is higher than the original balance of the account that was opened. 

Last Reported : XX/XX/XXXX Inaccurate XXXX XX/XX/XXXX Inaccurate XXXX XX/XX/XXXX Inaccurate XXXX ALL OF THIS INFORMATION IS INCORRECT & NEEDS TO BE REMOVED.
Product: Money transfer, virtual currency, or money service

1. Wire of {$4500.00} sent on XX/XX/XXXX, recipient did not receive wire. 
2. Claim filed on XX/XX/XXXXXXXX  with Wells Fargo. 

I called Wells Fargo weekly and bank kept saying they're researching the status of claim. 
Today XX/XX/XXXXXXXX  I called bank again and they stated that recipient bank received the wire on XX/XX/XXXX and closed my claim!!! 

That IS INCORRECT. My vendor NEVER received the wire. So bank has to open a new claim for me. I've been a customer since XXXX and have sent many wires. This is unacceptable business practice. Over the course of 2 months, Wells kept telling me someone will call me to update me with status. NO ONE calls you back. I have to call and be transferred multiple times before anyone would look into my claim. 

This process is broken and I'm so frustrated!!!!
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX, inaccurate information and no contracts with wet signature provided. 

XXXX XXXX, no wet signature of original settlement papers provided. 

XXXX XXXX, no wet signature documents, providing proof of original debt. 

XXXX XXXX, no wet signature documents proving original debt. 

XXXX XXXX, no wet signatures, proving original debt.
Product: Checking or savings account

My claim got denied because it wasnt properly investigated I had to open back up the claim and I keep being told that someone from back office would contact me I never been contacted the whole time this problem had been going on my money has been stolen out of the account and Im being told thats its really nothing they can do about it
Product: Vehicle loan or lease

Asked that a duplicate title release letter be mailed to me on XX/X/2017. 

Bank will only email me an " account status '' letter.
Product: Debt collection

On XXXX, I sent a letter regarding the accuracy and fairness of credit reporting and I feel as though I am being taken advantage of and completely ignored of my rights as a consumer. I contacted this company asking for validation of the alleged debt and still have not received a response. I also told them that during the time of this investigation, if they report any inaccurate or invalidated information that could be considered detrimental to any of my credit reports, they were again violating my consumer rights. This company continued to report inaccurate and invalidated information to the credit reporting agencies. According to 15 USC 1692e, debt collectors may not use any false, deceptive, or misleading representation with the collection of any debt. When this company added inaccurate and invalidated information to my credit report, they were in clear violation of my rights. They are ruining my reputation as a consumer, and according to 15 USC 1681, the sole purpose of the credit reporting agencies is to evaluate the character, and general reputation of consumers. I demand these accounts be removed from my consumer report, or I will be forced to file litigation due to the extreme stress an anxiety this experience has caused me. Again, I sent letters to this company and no action, other than again violating my rights, has taken place.
Product: Credit reporting or other personal consumer reports

Unauthorized Hard Inquiry and Unauthorized Addition as an Authorized User Dear Consumer Financial Protection Bureau, I am writing to report fraudulent activity on my credit report. On XX/XX/XXXX, I noticed a hard inquiry on my credit report that I did not authorize. It appears that someone has obtained my Social Security number and used it without my consent.

Additionally, I was added as an authorized user on two credit card accounts that I never approved. These accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I did not give permission to anyone to add me as an authorized user on these accounts. I request immediate removal from these accounts and correction of the related entries on my credit report. 

Please investigate this matter and take the necessary steps to rectify the situation. I am also requesting that you guide me on any further actions I should take to protect my credit and identity. 

Thank you for your attention to this urgent matter.
Product: Mortgage

In XX/XX/2021 my husband and I did a VA XXXX refinance through LendSmart Mortgage. I was advised that LendSmart Mortgage would fund my loan and my loan would then be purchased by an investor and serviced by a mortgage servicing company. On or around XX/XX/2021 I reached out to my loan originator to inquire about my loan and why it had not been transferred to a loan servicer as I still had to mail in my checks to LendSmart. I was advised that the loan was funded prematurely and did not follow VA guidelines and therefore out of compliance and the VA would not insure my loan. I was assured that my loan would brought to compliance and I would have a permanent loan servicer for my VA loan by mid XXXX. I inquired about if the VA wouldn't fund my loan, then I didn't have a VA loan. I was assured that I absolutely have a VA loan, the product I inquired about and signed a contract for, they just have to bring the loan into compliance. On XX/XX/2021 I inquired again about my loan and where I would need to send my payment for XXXX as I still have not received any paperwork regarding a new servicer. I was then contacted on XX/XX/XXXX. 2021 by XXXX XXXX, CFO, and advised that I absolutely do not have a VA loan, since the loan was prematurely funded the VA would not insure or back this loan. I advised that was the product I requested and signed a contract for, however I was not receiving that product. I was then advised that I could refinance again on or after XX/XX/2021 to get that product but would likely be at a larger interest rate than what I currently have. I am now stuck with a mortgage under different rules and regulations than I originally agreed to and my only way to get the product I signed for, is to incur further expenses with another refinance.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 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 has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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. 

XXXX
Product: Mortgage

Since XX/XX/XXXX, I have not received any of my paper billing statement for my Bank of America Home Equity Line of Credit ( HELOC ) account. Each month since XX/XX/XXXX, I have sent Bank of America letters requesting that they send me a paper statement so that I may know what amount to pay ( minimum due ) and by what day I must pay ( due date ). Bank of America has failed to send me paper statements for the month of XX/XX/XXXXto XX/XX/XXXX, for all the months of XX/XX/XXXX, and for XX/XX/XXXX through XX/XX/XXXX. I recently pulled my credit report and all 3 major credit bureaus show that Bank of America is reporting my account past due for all months since XX/XX/XXXX. On XX/XX/XXXXI contacted Bank of America by phone and Bank of America acknowledged that because of an error in their system, I have not been sent any of my statements since XX/XX/XXXXand that they will be sending out a paper statement in the mail within the next few days. I was also informed that I have a past due balance of approximately {$14000.00} dollars that I must pay. Per Bank of America, my minimum payment due changed on or aboutXX/XX/XXXX. If I would have been given my paper statements, I would have made the correct amount due. I want to dispute the past due balance as several billing errors occurred because I did not receive any billing statements since XX/XX/XXXX. Every month since XX/XX/XXXX, I sent Bank of America a written notice stating that I have not received the statement for the month I mailed out each notice.

-- -- -- -- -- -- -XX/XX/XXXX UPDATE -- -- -- -- -- -- -- -- -- -- -- BANK OF AMERICA FAILED TO RESPOND TO CFPB CASE # XXXX AND # XXXX BANK OF AMERICA HAS FAILED TO INVESTIGATE MY DISPUTE AND FAILED TO CONTACT WITH A RESOLUTION. BANK OF AMERICA STATED THAT THEIR REASON TO NOT RESPOND TO THE CASE WAS BECAUSE OF A SUPPOSED UNAUTHORIZED THIRD PARTY. BANK OF AMERICA USED THIS EXCUSE TO BUY MORE TIME. BANK OF AMERICA DOES NOT HAVE PROOF THAT THEY SENT ME BILLING STATEMENTS. BANK OF AMERICA NEEDS TO CONDUCT A REINVESTIGATION AND PROVIDE ME WITH DESCRIPTION OF THE PROCEDURES USED IN THE REINVESTIGATION WITHIN 15 BUSINESS DAYS OF COMPLETION OF THE REINVESTIGATION. INCLUDED WITH THIS CASE ARE THE SAME DOCUMENTS THAT WERE INCLUDED IN BOTH CASES MENTIONED ABOVE. IN ADDITION TO THIS, I HAVE INCLUDED A COPY OF A LETTER I MAILED OUT TO BANK OF AMERICA ON XX/XX/XXXXAS BANK OF AMERICA HAS FAILED TO RETURN MY CALLS REGARDING THIS MATTER.