23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Type of Account ( Savings ) I have tried to resolve the complaint with Bank of America, N.A. 
On XX/XX/XXXX I contacted the claims department by Phone and talk to a lady on the line. On XX/XX/XXXX In Person, XX/XX/XXXX In Person and by Phone, XX/XX/2021 I visited the branch In Person in XXXX XXXX off of XXXX XXXX. Do not have the individuals names there are call records for my Phone calls to Claims. 
Bank of America did not respond to the complaint the money being taken without my permission or authorization from my Military Retirement Account. I was told by my attorney at XXXX XXXX XXXX, XXXX. to file an Unauthorized Electronic Funds Transfer. My Military Retirement Pay is exempt for garnishment from Commercial Debts under the Uniformed Services Protection Act. 
Bank of America employees that I talk to on the phone or In Person refused to allow me to file any Claims on my account. There statement was It is a garnishment from the State of Texas. Call the State of Texas at XXXX XXXX XXXX XXXX telephone number. 
I checked my bank account on the morning of XX/XX/2021 notice that {$6200.00} plus {$120.00} fee was taken from my Military Retirement Account without my permission. First thing I did was contact my Attorneys and gave them the information as it appeared on my bank. What appeared on my account was Legal Order XXXX XXXX. The attorney got back to me later in the day and told me to first go file a police report then contact the bank and tell them I would like to file an XXXX XXXX Funds Transfer. The Attorney said that it appears to be fraud and that the State of Texas did not have a Legal Order number of that nature. The police officer at the XXXX XXXX Police Department that took the report said it did not look like a valid Texas Legal Document Number to take money from a Saving account. The police department filed it under Identity Theft and are investigating. Bank of America personnel did not assist me in trying undercover or understand how money could be taken from my account without my permission or authorization from my Military Retirement Account.

I did not owe any money for loans, mortgage, cars, collection of any types.

This is not a debt that I owe. BofA should check to see if the actual collector is within the Attached is a copy of the XXXX XXXX and Accounting Services ( XXXX ) : Type : Deposit Description : XXXX XXXX : XXXX NET ID : XXXX XXXX : XXXX XXXX XXXX CO ID : XXXX PPD Merchant name : XXXX XXXX AND XXXX XXXX Transaction category : Income : Investment Income Funds Exempt from Creditor XXXX Some types of money are automatically exempt ( protected ) from your creditors, regardless of where you live, including : Social Security and Supplement Security Income ( SSI ) federal, civil service, and railroad retirement benefits. veterans ' benefits.
Product: Student loan

A dispute was added to my credit report and they have not removed the dispute. I have requested them to remove several times but because the provider has changed several times the request to remove the dispute has been overlooked.
Product: Debt collection

I am being sued - Creditor identified as XXXX - only received Hearing Notice from Court - PRA provided no Notice of Lawsuit or documentation relative to lawsuit - this info was requested at Hearing - Lawyer did not provide it - Lawyer insisted it is my responsibility to chase info down with Lawyers listed on Hearing Notice - Lawyer present was not Lawyer listed on Hearing Notice Prior to Hearing, Court Clerk directed me to speak with Lawyer in Settlement Room - this Lawyer hit me with a barrage of personal questions pressing me to sign a paper acknowledging debt that would clear debt without payment - I repeatedly requested Lawyer representation - this Lawyer insisted You do not need a lawyer- I refused to sign paper My legal rights are being violated by this predatory Collection Firm & its equally predatory Legal Representation who fail to provide appropriate Lawsuit Notice with Documentation to which I am legally entitled - further, Lawyer listed on Hearing Notice was not Lawyer present & denied my request for Legal Representation as well When attempting to text PRA about this alleged debt, 2 additional alleged debts were referenced of which I had no knowledge - upon calling to request info on these alleged debts, info provided by PRA indicates dates 25-30 yrs old identifying creditors as XXXX XXXXXXXX & XXXX- I questioned legality in MA as far as collecting on such outdated debt as well as citing 2017 Bankruptcy filing - representative read Disclaimer Statement in very rapid paced speech- I requested he repeat it slowly so I could clearly understand but even in rereading it pace was too fast - I requested Disclaimer Statement in writing ; however, I have not received it
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX Description of Inaccuracy : Equifax and XXXX XXXX showing account is charged off, XXXX shows account status is a missed payment, the past due amount are not consistent across all 3 credit bureaus I have reviewed my credit report and found this information to be inaccurate based on my records. I am requesting a thorough investigation into this matter as per my rights under the Fair Credit Reporting Act ( FCRA ).
Product: Debt collection

This is the letter i sent to them about what they are trying to do and how they have fraudulently attached this to my credit report. 

XX/XX/2021 Sequium Asset Solutions XXXX XXXX XXXX XXXX XXXX XXXX, Ga. XXXX Re : Your mailed statement to me about an Alleged Debt you are collecting on behalf of XXXX XXXX for {$1400.00} : You are now listed as a collection account on my credit report as some entity who claims I owe you money. I have no idea who you are and have never contracted with you or with XXXX XXXX  for ANY services. I have never received a bill from you OR from XXXX XXXX regarding this account because I have also never had an account with XXXX. I need you to immediately provide me with this information : # 1 ) signed contract or application where I allegedly obtained credit with you.. # 2 ) Copies of all invoices mailed to me during the time I allegedly had an account with XXXX including what services they provided to me. # 3 ) Verification of all payments made by cash, credit card, bank debit or check on this account during the time it was open. 
Please mail this information to me within the next ten ( 10 ) days or remove this from my credit report as erroneous and do not ever attempt to collect this false debt from me again. 
By copy of this letter, I am notifying XXXX, XXXX XXXX and XXXX that I am filing a formal dispute of this account. I am also notifying the CFPB and the Consumer Protection Division of the Office of the Attorney General in New Jersey that you are violating the law by reporting an account I DO NOT OWE AND HAVE NEVER HAD TO the credit bureaus. You may e-mail OR mail your response to me at -- -cc : XXXX , XXXX XXXX , XXXXXXXX and CFPB, Attorney General Consumer Protection Division, XXXX , New Jersey
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage was transferred to XXXX XXXX XXXX XXXX  on XX/XX/. Because I was in the process of a bankruptcy when my mortgage was transferred to XXXX XXXX XXXX XXXX, it was automatically sent to their bankruptcy department. I received and signed a reaffirmation agreement with XXXX XXXX XXXX XXXX XX/XX/XXXX that was submitted and approved prior to the discharge of the bankruptcy. The time allotted to rescind the agreement ( 60 days ) ended over a month ago meaning that this reaffirmation is now legal and binding. I was told by my XXXX XXXX XXXX representative, XXXX XXXX, that after the rescind period was complete the account would be released from the bankruptcy department and would also start reporting to the credit bureaus. This has not yet taken place. I have called numerous times over the last month to get this taken care of and my calls go unanswered nor will XXXX XXXX return any of my voicemails. Because this loan was reaffirmed, it has survived the bankruptcy as a valid mortgage and needs to reported as such. Payments to my mortgage company were always made on time prior to, during and after the bankruptcy and should accurately be reporting as such.
Product: Credit card or prepaid card

My complaint is false advertisement on XXXX XXXX rewards system that needs to be investigated. I have a XXXX credit card under XXXX XXXX. The rewards points with XXXX credit account is under the management by XXXX XXXX however the Bank refuse to correct the fraud. It started off with the accumulation to XXXX ( See Attached ) which I had and XXXX sent me by email the rewards certificate {$30.00} by email Rewards certificate XXXX ( See Attached ) which I never used because the rewards dont work. 
As you review XXXX XXXX points under XXXX credit card they put a minus on the XXXX points. After I seen this I sent several emails to XXXX   XXXX and calling to correct this issue that I never used these points ( See emails attached ) Then as you review the XXXX credit card reward points XXXX XXXX made an adjustment of my points XXXX never gave me the full XXXX points that I never used and the purchases I brought. 
On XX/XX/2018, I sent XXXX XXXX XXXX several emails that the rewards number isnt working because I cancel my order however I received an email response however no assistance except that they cut my points to XXXX ( See Attached ). However, on XX/XX/2018 after several emails attempts and phone calls to XXXX XXXX I received an email that my points are XXXX and leftover points XXXX ( See Attached ). I refuse to order anything until they repair the reward system. Even though, I made a return on XX/XX/2018 I should have XXXX - XXXX = XXXX reward points, I made a lot of purchase under XXXX ( See Attached ), XXXX XXXX credit department don't communicate well and support reward points being stolen from me. However, XXXX XXXX are refusing to correct this error, maliciously continuing to fraud the rewards system and I am requesting an investigation on these fraudulent matters. I believe they are violating the Fair Credit Billing Act, The Credit Card Accountability Responsibility and Disclosure Act and credit card fraud on rewards. 

Attachments Several email communications to XXXX XXXX XXXX credit card XXXX XXXX email me points XX/XX/2018 XXXX XXXX   rewards list is wrong XXXX XXXX mail rewards {$30.00} XX/XX/2018 CC : Federal Trade Commission FDIC Department of Justice Congressman
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed something with the credit reporting agency, after 30 days they did not remove it which is in violation of code US code 15 USC Sec. 1681i ( a ). 


I want this information deleted off my credit report.
Product: Mortgage

I worked with my mortgage existing lender Suntrust Mortgage to refinance my house. I spoke to XXXX XXXX to make a long story short. XXXX told me I did n't qualify for the new loan modification but that he can do regular conventional loan and give me good rate and payment would be at {$2100.00} with tax and insurance. I verified with him to make sure that it was correct amount since I was paying before $ 1800+ dollars a month. He said yes and I signed up to refinance. Now he had all my information taxes insurance because they were my same lender. A year later comes, and I get a bank statement under new account XXXX telling me I have a escrow shortage of {$4600.00} and I had to pay by XXXX2018 or my payment would be {$2800.00}. If I did pay it I would still be paying {$240000.00} every month. They were deceptive and to me they committed fraud to get me to signup on a new loan. If they told me upfront the payment would be this much, I would of never refinanced. I do n't have that kind of money saved to pay back outrageous shortage fee and higher payment a month. I trusted this bank to do the right thing. I called them and spoke to XXXX of client solutions at XXXX XXXX XXXX and she sent it to higher management to investigate what went wrong.

This is not a {$100.00} mistake. This is a $ 400.00+ a month mistake and a {$4600.00} bill. What she found out so far was she said that suntrust did n't make a mistake it was a 3rd party they hired. I didnt ' hire the 3rd party. I hired my same back to give me honest deal. I feel I was lied to and fraudulently given a wrong rate to get me to signup with them on refinancing. This shows them doing another loan and now I 'm struck with an outrageous loan. they have to do something. They lied to there consumer.
Product: Credit card or prepaid card

This is a new complaint in that now American Express is ILLEGALLY, FRAUDULENTLY, and UNETHICALLY charging me interest on an American Express credit card that I followed ALL the required procedures to COMPLETELY/ENTIRELY close out more than 2 months ago!!! They are doing to retaliate against me because, in the XXXX consecutive years I had a credit card in COMPLETELY good standing with them, I NEVER ONCE had to pay them XXXX cent of interest because I completely and timely paid my ENTIRE undisputed balance EVERY month!!! As we all know, they hate those card holders. I do not now owe them XXXX cent of interest and they KNOW IT!!! I am NOT paying their fraudulent, unethical and illegal interest they keep trying to charge me, especially NOT on a CLOSED ACCOUNT!!! 

Even after being with them for approximately XXXX consecutive years, during which they earned thousands of dollars of " float '' from my charges onto my American Express card ( which is why credit cards exist!!! ), American Express fraudulently charged me interest while they were " investigating '' charges that I had properly ( exactly following THEIR procedures ) put into dispute status over the last approximately 9 months. Despite my detailing this to them in numerous phone calls over that 9 month period, they kept fraudulently adding/accruing/compounding interest EVERY month!!! 

So, I had no choice but to entirely close out that American Express credit card about 2 months ago. Now American Express has the AUDACITY to continue trying to FRAUDULENTLY and ILLEGALLY charge/accrue/compound interest on an ENTIRELY-CLOSED-OUT credit card account!!! What scammers!!! XXXX XXXX XX/XX/23
Product: Credit reporting or other personal consumer reports

Hi, I Requested multiple times that Equifax Fix my online Account and update it so I can see my Accurate Credit Report and Score. I Spoke to a Representative and Equifax told me that I had to send my Social and identification card which I sent ( evidence of that will be uploaded ) .Equifax is keep saying that they havent received my mail but somebody at Equifax is signing for it so I dont see how there not receiving it. I also did a complaint thru CFPB and uploaded my identification and they keep saying its hard to see, but how is it hard to see and u update my address but left the negative item on my credit report. Equifax is still say that the dispute from XXXX XXXX is still under investigation and on the CFPB its closed! Please help me make this make sense.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax internet service dispute portal never working. As a consumer we can reach them to summit a dispute. In my case this account appear twice We need a mechanism to reach them. In my case internet is the better but the poral never works.
Product: Debt collection

I received a letter via US Mail allegedly from American Coradius International LLC on XX/XX/22 stating I owe {$120.00} associated with a XXXX account. XXXX confirmed that my XXXX account is in good standing and they see no money owed nor do they have any record of turning any debt associated with my account over to ACI. XXXX stated this was a scam and or fraud.
Product: Mortgage

I called Bank of America when they received the second half of my partial payment. They accepted my first half of payment and sent second half back because that would have only out me behind on four payments. The mortgage been behind since 2016 due to Illness and then the Great Flood. I have been making payments every month since then. I tried to call and see about getting loan current. I told was ready to make payment. They told me I have to fill out a package just to make a payment. This is not right at all. I been playing ring around the XXXX with BOA for a long time. This loan was originally a XXXX loan and I know everything is screwed up. I will hire attorney and it will not be nice for BOA. They are making me pay all this money and fees when they already taxed the government for the house through writing it off under a previous modification. BOA must think that I am stupid.
Product: Vehicle loan or lease

To Whom it May Concerned : After several attempts to fix this problem, first with the Department of Agriculture, then with CFPB submitted twice, I still struggling to solve this issue with GM Financial. One of your agents recommended me few contacts seeking for help. I contacted Florida General Attorney at XXXX, the agent advised me to contact CFPB and requested a grievance form. As I explained before I bought this car a XXXX XXXX XXXX in XXXX with a value of {$6900.00}, I was agreed to pay {$260.00} for 72 months with accrues daily interest. 
On XXXX I went to emergency room ( XXXX yrs.old ) from my work, I was admitted in the 2nd floor ( XXXX XXXX ) and stayed 4 days, I was discharged with restrictions one of them DO NOT DRIVE, because I have debts to pay including the XXXX, next day I back to work, meaning if I didn't make my payment at that moment was because I was very sick, I made late payments but i also paid my late fees and of course they fooled me with an extension. 
I recovered from my illness I went back to work full time, I did my payments accordingly. 
On XXXX again went to emergency room and I was discharge but to follow up with a lot of XXXX XXXX and XXXX I kept working, I wanted to make my payments. By XX/XX/XXXX again got very ill, so I decided to pay off the car before i turned XXXX. But since then it have been a nightmare with GM Financial. I have paid XXXX for 72 months ( XXXX ) for a car in the amount of {$6900.00} a total amount interest of {$12000.00}, the payment of two cars without interest. 
On XX/XX/XXXX, I sent an email explaining them my financial crisis. They called me offering me help so I met a commitment of {$300.00} by XX/XX/XXXX and {$300.00} by the end of the month. On XX/XX/XXXX, my paycheck was of {$430.00}. Therefore I could only pay {$270.00} and my account was overdraft. 
On XXXX, I received a GM Financial invoice dated XX/XX/XXXX with a total amount of {$1500.00} to pay and O PAYMENTS TO GO. I went to their page and they had a total amount of XXXX another discrepancy, always discrepancies. 
I think this have been very unfair, inhuman, and unnecessary for a company like this to continue with this embarrassing situation.
Product: Student loan

Addendum to Complaint XXXX. 
I write to provide additional information about this complaint. On XXXX XXXX, 2015, I again contacted XXXX XXXX and spoke with a representative named XXXX XXXX. XXXX provided me with additional details about XXXX XXXX lack of knowledge of the settlement and payment arrangement Navient offered to me in their undated response to CFPB and details about how XXXX XXXX and Navient have negotiated deceptively and in bad faith. Specifically, XXXX stated : XXXX XXXX received the correspondence I sent to them, and shared with CFPB, on XXXX XXXX, 2015. However, XXXX stated that, because I had advised XXXX XXXX to not contact me, they would not respond to such correspondence. As previously explained, I finally advised XXXX XXXX to cease contacting me when I filed this complaint with CFPB because XXXX XXXX had begun to incessantly call my friends, relatives, and domestic partner on a daily basis and threaten them. When a party sends a written correspondence detailing the filing of a consumer complaint and engaging in negotiation to settle the dispute, as I did, it defies reason to ignore that communication and reveals the bad faith with which Navient and XXXX XXXX conduct their businesses. 
XXXX stated that XXXX XXXX does not own the debt, and did not purchase the debt from Navient. XXXX indicated that he believed in situations where a consumer has advised XXXX XXXX to cease contact, the company would return the servicing of the debt to Navient. 
XXXX stated he had no record of the settlement and payment offers Navient extended in their communication to me through the CFPB and told me he could offer me the opportunity to make payments toward the {$64000.00} balance that I am disputing. Navient, in their letter to me and response to the CFPB, stated that they had contacted XXXX XXXX on my behalf, and that XXXX XXXX was making the settlement and payment offers. This appears to be completely untrue. Navient continues to be deceptive and knowingly provided false information to CFPB in an effort to resolve this complaint. 
Shockingly, Navient and XXXX XXXX have begun to market additional products to me through both regular postal service mail and e-mail after previously claiming to have not been able to contact me.
Product: Checking or savings account

My employer deposited my check into my Chime checking account. Within hours XXXX froze my account and requested documentation. I called in and funds were at XXXX and I could not get any answers. Finally I was told that I needed to send in my id and social security card and that it would take XXXX business days. Several days have passed and I still have received no response from the business and they still have all my funds. I have called customer service and they just keep telling me to wait 2 days on top of the days I have already been waiting. I then ask to speak to a supervisor and the supervisor just states the same thing and indicates I can not be transferred to said department, the can only way this department can be contacted is by email. I had been using this account for several months, and hours after my deposit Chime decides to just freeze account with no legitimate explanation. Upon review, Chime does have several complaints with bbb and other organizations for similar shady business practices.
Product: Credit card or prepaid card

Swiss Colony/XXXX XXXX state that they, Swiss Colony, report to the three credit bureaus. I have in my hand a copy of a XXXX credit file ; Swiss Colony nor XXXX XXXX accounts are reflected in the credit file. Swiss Colony previously stated to CFPB that they are reporting Swiss Colony/XXXX XXXX accounts to the credit bureaus. 
My Swiss Colony/XXXX XXXX accounts are not being reported to the three major credit bureaus. 
Accounts are in good standing.
Product: Credit reporting or other personal consumer reports

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

I am writing this formally expressing my concern regarding Zelles Handling of disputes. I am Highly Unsatisfied with this company with Multiple Significant issues through the years Of using Zelle.My financial Institution and Zelle have Failed me to Investigate my my Claims.