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

Bank of America - XXXX, Fl On XX/XX/2021 I deposited {$8500.00} into the ATM machine ( see attached. ) I counted it out in front of the ATM camera. I had a total of XXXX  {$100.00} bills. I was paid cash from a family in which I directed a lengthy intervention on several struggling family members. I practice XXXX and this is something that I do on a regular basis. The fact that I was paid in cash is quite common if you would take the time to look through my account, you can see multiple cash deposits. 

In the middle of the deposit, the machine stopped working and I was given a message to report the issue to a one 800 number, which I did. I was given a temporary credit from Bank of America for the {$8500.00} pending the results of an investigation. On XX/XX/XXXX, the investigation outcome found that the ATM machine was short {$1900.00} and the initial credit was reversed causing the money to be deducted from my personal bank account. Since I never deposited anything except {$100.00} bills, it is more than obvious that I did not receive the investigation I deserved. 

I have asked for all the documents that they used to make this decision on multiple occasions and I have been told there were no official documents to share that it was a decision made by an " internal fraud department. '' BOA has not been willing to release any information about the investigation and have admitted to not reviewing any footage from the ATM machine. BOA has stated I have no recourse and are unable to reopen the investigation, so basically I just have to accept the decision. I have since filed a police report. I worked with a very good detective for a couple months and she was unable to get anywhere with the case. This was her final response, " Unfortunately this case has been reviewed by myself and my supervisor and its been determined that no crime has been committed by an actual person. We can't press charges against an entire company. I know you spoke before about suing Bank of America and I definitely think that is your best option and a very good one. This entire situation is extremely unfortunate especially with you being a long term customer of theirs. I wish there was more I could do for you. I am so sorry this happened. '' It is absolutely unacceptable that the ATM machines that they use belong to a third-party. I have always assumed the ATM machines belong to Bank of America. What's more disappointing, is that they have been unwilling to advocate for me hey single mom and small business owner, to ensure that my money is protected. 

You are my last hope. At this point Bank of America has completely close the issue and refuses to discuss it with me. Thank you for creating this platform that allows me to be heard.
Product: Payday loan, title loan, or personal loan

I have a credit card with chase. Chase put out an offer/advertisement to borrow against your credit card at more than 50 % lower than the rate on credit card. This was very attractive so I took it to take advantage of the lower rate. It turns out that this was not actually a good deal as this can mislead many vulnerable consumers who are looking to lower there rate hence lower their aggregate expenses, get more into financial trouble waters. 

As soon as I realized this, I called chase back to express my concern and requested the loan be cancelled. Chase representative told me they can not reverse the loan since it has been submitted. I was advised that the only thing I can do is to pay the money back once it is cleared, so agreed. As soon as the money get cleared I pay back the entire money. To my surprised when I view my statement I discovered the minimum was based on the loan already paid off. Now they are charging me interest on the loan paid off and balance on the credit card. 

When I called them again, the representative told me I still have some balance on the loan.
Product: Mortgage

We have already filed a complaint against Ocwen and altisource. # XXXX. We have just found out from a XXXX XXXX our mortgage with Ocwen was closed with XXXX balance XXXX 2014. If that was the case how could Ocwen offer a modification with a falsified appraisal from XXXX? We have sent all this info on to Senator XXXX XXXX. This mortgage was a securitized/ robo signed paper trail. Ocwen attorney as of last month told our attorney our case was closed. this was right after we contacted the U.S. consumer protection and other parties. Someone is trying to pull a fast one. In our story we have been stateing our property has been damaged by rock pit operations. in Idaho there are NO LAWS to protect us from the blasting damages. As of this last month we won the court case with the county that the blasting devalued and damaged our property. The judgement set the value at XXXX XXXX other appraisals were at the same amounts including XXXX Idaho state property tax appeals rulings and wins. After Ocwen couldnt find a appraiser that would match their value they hired XXXX. XXXX value was exactly what the modification was offered, without even looking at the property.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 


Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, Stevenson v. TRW ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I signed up for a Pottery Barn ( Capitol One ) credit card specifically to take advantage of their 12 month 0 % interest offer. It was not made clear to me at any stage of the purchase that I had to select that offer vs a competing offer for " rewards. '' Upon getting the ability to log in to my account I set a recurring payment that would cover the total in 12 months. Luckily I logged in a few months later to double check everything was right, and I see I've been being charged interest.

Upon calling in they insist I " chose '' the rewards options and are refusing to remove the interest and future interest for the duration. I've called in and written and done everything I feel is possible through the Capital One and Pottery Barn channels. They are refusing to make the changes.

You'll note in the attached email that I didnt contact customer service sooner - this is obviously because I had set a recurring payment and felt I didnt need to log in until the 12 months was up! 

I did not elect for rewards vs 0 % interest at any time and would not have signed up for a new credit card had I not been led to believe I'd receive 0 % interest. This seems to be a classic bait and switch that in my mind amounts to fraud.
Product: Credit reporting or other personal consumer reports

I request the immediate deletion of the fraudulent information on my credit report within XXXX  days of reciept. The following addresses must be removed : XXXX XXXX XXXX, XXXXXXXX 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 ; and XXXX XXXX XXXX XXXX XXXX XXXX. The only correct address is XXXX XXXX XXXX, XXXXXXXX XXXX XXXX. Incorrect names ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), birthdates ( XX/XX/XXXX, XX/XX/XXXX ), phone numbers, XXXX, XXXX ), and email addresses ( XXXX, XXXX, XXXX, XXXX ) must also be removed. Additionally, I did not authorize the following fraudulent accounts : Credit Cube ( XXXX, XX/XX/XXXX ), XXXXXXXX XXXX ( XXXX, XX/XX/XXXX ), XXXX ( XXXX, XX/XX/XXXX ), and XXXX XXXX ( XXXX, XX/XX/XXXX ) and the following fraudulent inquiries XX/XX/XXXX XXXX XXXX ; XX/XX/XXXX XXXXXXXX XXXX ; XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX 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
Product: Credit card or prepaid card

I received an alert that my credit report had a significant change. When i checked the alert, i noticed that it was because i had missed a payment in one of my accounts. When i checked the account i realized that it was an account i had never opened my self. The account was a paypal synchrony bank credit card with a limit of {$1000.00}. Whoever opened this account it had done using my personal information and used it and the card was past due because the balance had not been paid. 

I don't have statements or credit card number since i never got any of them. I only have the information reported in my credit report.
Product: Payday loan, title loan, or personal loan

I entered intona repayment with XXXX XXXX and in XX/XX/XXXX, hey submitted paperwork to XXXX XXXX revoking their access to my bank account and to also stop contacting me and that all contact needed to go through my XXXXXXXX XXXX. I provided the name and contact info to XXXX XXXX. On XX/XX/XXXX, XXXX XXXX deducted {$360.00} from my bank account AFTER they received the revokation. They are now harrassing me and not contacting XXXX XXXX who has a Limited Power of Attorney. My bank returned the money to me as I disputed the transaction. However now, I am being harrassed and they will not stop calling or wmailing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and I discovered there was a Wells Fargo account on my credit that I did not open. I did not authorize any of my information to be used.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second complaint is regarding XXXX XXXX and Experian. They placed two unauthorized inquiries on my credit on XX/XX/2019 and XX/XX/2019 they have removed the inquiry on my XXXX report but not the other inquiry on my Experian credit report date XX/XX/2019. I am victim of Identity theft and this has been reported to the 3 Credit Bureaus and Law enforcement, please see below. Personal statement ( s ) XX/XX/XXXX & XX/XX/XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted numerous disputes through the credit bureaus and a complaint through this organization. The resolution was that I paid the sum instead of the insurance company as I alleged. I provided supporting documents of the insurance check reimbursing me back. I provided a letter form the insurance company taking responsibility for their error. Insurance claim is XXXX. 

PLEASE READ THE SUPPORTING DOCUMENTS. 

This is delaying our mortgage loan application!!!!!!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed in a complaint letter on XX/XX/2021 for inaccuracy on two collection accounts that are not mine. These accounts are unauthorized by me and I have not received any responses back from. This is very frustrating I have not been able to close on a house due to these false remarks on my credit report.
Product: Mortgage

My mortgage was transferred from XXXX XXXX to PHH Mortgage effective XXXX XXXX 2016. 
In the Notification of transfer I was instructed to make my next payment to PHH in the amount of {$1800.00} which I did. PHH applied the payment to principal XX/XX/XXXX. XX/XX/XXXX, I checked my account online to find my monthly payment due XXXX/XXXX/16 was {$1900.00}. I never received an invoice or bill explaining why I was instructed to pay the lesser amount and that I needed to cover the difference by XXXX/XXXX/16. I contacted PHH today XXXX/XXXX/16 they said I could pay the difference over the phone but I am away from home on business and do not have my routing number available to make the funds transfer. I am afraid by the time this gets settled my payment will be late and that will effect my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputing late payments and accuracy. 
Account : XXXX  XXXXXXXX XXXX XXXX  In accordance with The Fair Credit Reporting Act this creditor has violated my rights under XXXX5 US Code 1681 section 602 states, I have the right to privacy. 15 US Code 1681 section 604a section 2 also states that consumer reporting agencies can not furnish an account without my written instructions. Under 15 US Code 1666b a creditor may not treat payments on the credit card account under an open and consumer credit plan as late for any purpose. 


This account is also reporting multiple inaccuracies in the months and years of the late reports. This is also a violation of 15 U.S. Code 1681i I respectfully request to be provided specific proof that these alleged late payments were in fact late. I request to see all statements and payments transaction records from the creditors that would prove that my late payment was not submitted on time. It is my understanding that you must verify these items with the reporting creditor for accuracy. If this information is unable to be provided as proof please update my payment history to XXXX  status ( paid as agreed never late ).
Product: Credit card

I received a credit aletr that a Discover card was opened in my name. I haven't asked for a Discover card. I called Discover and sure enough they had a new credit card application. They removed it and I asked if that meant they had my SSN. She said yes, so I put a lock/freeze on my credit report.
Product: Checking or savings account

A large sum of money was deposited into my checking account by me multiple times. I had seen the numbers change very often on the banks website and seemingly money was disappearing from my account. The statements information became false and were changed electronically before I could print them out. When I tried to follow up again the transactions would be switched around and then I became confused as to what was happening. I began to save all of my receipts since the transactions are not aligning with my spending habits and money seems to disappear quickly. I do not yet have an attorney or accountant on my behalf.
Product: Checking or savings account

Captial one has had my account in frozen status since XXXX and they are refusing to return my funds. They requested XXXX and XXXX returns but yet they are not processing their investigation. After being told my account would be unlocked after I submit my XXXX returns. They refuse to communicate with me about my money. They are fabricating their reason for freezing my account.
Product: Checking or savings account

On XXXX XXXX, XXXX at XXXX pm I received an automated email from Bank of America indicating that the balance in my saving 's account was low. I checked my account via online banking and found that two transactions had posted to the account that I was not responsible for : a deposit of {$380.00} into my checking account at an atm, as well as a withdrawal of {$1900.00} from my checking account at a Bank of America location in XXXX. My debit card was not missing/stolen. At the time, I was at home in XXXX, RI. I called Bank of America and the person I spoke to in the check fraud department told me they could n't do anything about the pending {$1900.00} withdrawal because it was still pending, and they told me I should call back. 

Two additional charges later posted ( both balance inquiries at two different atms ), though I believe they occurred on the same day. I called back on XXXX XXXX and the representative agreed that my account had been compromised, froze the checking account, canceled my debit card, and filed a check fraud claim that would take " 60 business days '' to resolve. 

On XXXX XXXX I received a secure message from Bank of America stating that they had denied my claim because my ATM card and PIN were used as identification in making the {$1900.00} withdrawal. I am unable to understand this given that they person interacted with THREE ATMs that day, so of course they had a copy of my debit card and pin number. I immediately called Bank of America and the agent agreed to put the claim up for reconsideration, and assured me that the debit fraud department would look at is as well, given that the debit card was obviously compromised. 

XXXX XXXX XXXX XXXX ) I called back to check on the status of the claim. I was told that an analyst had looked at the claim on the XXXX ( though this was never communicated to me ) and had decided to again deny the claim. 

I 'm unable to comprehend how {$1900.00} of my money was stolen right out of my bank account and my bank refuses to refund what was lost, as is required of them by the FDIC. I have multiple witnesses, including my wife and a friend I was with that day who can confirm that I was at home in XXXX, RI all day.
Product: Mortgage

To Whom It May Concern : I am writing to formally file a complaint against Flagstar Bank regarding repeated and unauthorized trespassing on private XXXX XXXX XXXX despite prior notifications and warnings. 

On XX/XX/year>, I submitted an Affidavit of Fee Schedule to Flagstar Bank, clearly outlining the fees associated with any unauthorized trespassing on Trust Property. 

On XX/XX/year>, I forwarded an Amended Security Deed to Flagstar Bank, explicitly advising that no trespassing is permitted on private Trust Property. 

On XX/XX/year>, I faxed a Certificate of Trust to the Flagstar Research Department, reiterating the restriction against trespassing on private Trust Property. 

Despite these notifications, Flagstar Bank has continued to send representatives from a company called CLS to trespass on the private XXXX XXXX XXXX. These actions are in direct violation of the terms outlined in the previously submitted documents. 

I have attached the Affidavit of Fee Schedule for your review. Please note that the XXXX XXXX XXXX and the Certificate of Trust are not included due to the sensitive nature of these documents and their association with private trust property. 

I have also included an invoice for the violations that have occurred as a result of this unauthorized trespassing. I request that this matter be investigated promptly and that all future trespassing activities cease immediately. 

Thank you for your attention to this serious matter. 

Sincerely, XXXX XXXX
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX, I received a call from Loan Mart, aka XXXX XXXXXXXX XXXX aka XXXX, explaining that they could pay off my XXXX XXXX XXXX XXXX and give me a loan up to {$20000.00} based on the value and miles on the car. I can quickly pay the car off in 12 to 18 months if I make payment three days before it is due, which will reduce my monthly payment. At the time, I was told that I only owed {$2300.00} after going through the XXXX XXXX plan and what was on my credit report. I was only going to get a {$5000.00} loan to pay off the car and take {$2600.00} to move. The trustee 's office sent my information about the car to who they made payments through the plan to XXXX. Then XXXX sent my information to XXXXXXXX and XXXXXXXX XXXX as a repossession, stating they did not want to accept a payment of {$2300.00} but {$5000.00}. Now I got to get a title loan for {$9900.00}. I wanted to hold off on such a high loan. 
Loan Mart kept calling me day and night to finish up the Loan. I could not get the Loan without XXXX or XXXX  providing me with the payoff letter. I got a collection letter from XXXX  saying they wanted me to pay {$5000.00}. The operator wanted to talk to someone at their office. It took us two weeks to get in touch with XXXX at XXXX I did not get the payoff letter until XX/XX/XXXX, and then I got my Loan. The hassle was so stressful that I did not realize that the processer changed the agreement to 36 months for payments of {$800.00}. Then it was a big long fight about the title transfer. The customer service agents were confrontational and sarcastic when I kept calling. I got into an accident and was in the XXXX XXXX they didn't care. They still called me about the payment, and then Loan mart added extra fees, saying it was interesting because when I finally got the Loan, they backdated the Loan to XX/XX/XXXX, appearing that I had it for 30 days and then charged a late fee. As of today, I have been struggling to pay {$4900.00}. My rent went up to {$2300.00}. I thought this would be over soon until I found out they plan to take payment for 29 months. paying them back {$31000.00} for a {$9900.00} loan. I don't know what to do ; I have been had.
Product: Mortgage

I paid {$100000.00} to Freedom Mortgage on XX/XX/2023, to reduce my principal and reach the 20 % equity threshold to avoid paying additional private mortgage insurance ( PMI ) premiums. Freedom Mortgage forced me to pay a {$100.00} fee to remove PMI, which was not disclosed beforehand. However, the main issue is that these payments were never considered in my XXXX account. 

A month later, I got letters from Freedom Mortgage and XXXX indicating that my mortgage was transferred to the latter finance company. Freedom Mortgage continued charging me for mortgage insurance, and my {$100000.00} disappeared. 

Only to understand this mess, I spent over XXXX hours talking with my accountant, my lawyer, and employees at Freedom Mortgage and XXXX. I wasted even more time explaining to XXXX that it was illegal not to reduce my principal by {$100000.00}. They did this in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since I felt the credit bureaus didn't adequately investigate my dispute, I just submitted a request for an investigation of the disputed items. Records kept by the 3 credit bureaus reveal that it was untrue. The following items must be updated from my file by the three credit bureaus because the credit bureau 's examination was conducted incorrectly. 
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
Product: Vehicle loan or lease

Upon reviewing of my records, the following account is erroneous. I did not incur any late payments. Ive made every payment on time. Please remove it from my credit report. 



XXXX XXXX  XXXX  / XXXX / {$1200.00}