23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/2022, I received a {$8000.00} credit to my Bank of America Cash Rewards general purpose credit card account due to a returned purchase. 

I immediately contacted BofA customer service and requested that they refund the credit balance to my BofA checking account so that I could use the {$8000.00} for other expenses. 

They promised me that I would receive my refund in 7-14 business days. 

However, as of XX/XX/2022, 48 days later, I have still not received my credit balance refund. 

I have contacted them 3 times about the same matter. 

I believe that BofA has been highly delinquent in addressing this credit balance refund request and must be held accountable for not returning money to a customer in a timely manner. This is a substantial amount of money and not returning it quickly could cause financial harm.
Product: Debt collection

My partner and I have both contacted Pro Collect in amount of {$470.00} located at XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX attempting to Collect for XXXX Apartments. We left our unit clean and got an excellent report from XXXX XXXX. They kept our deposit for a stain on the 5 year old bedroom carpet. Within 30 days of move out we contacted the rental office and they had no video or physical sample of carpet replacement so we disputed the original deposit not being refunded. The debt was placed to a first agency and disputed and now another agency. We reported Pro Collect to Attorney General of Iowa and Pro Collect failed to respond to then timely. In addition Pro Collect is not licensed to conduct business in Iowa We dispute this debt and the collection of such. Please advise us of legal recourse we have to litigate and remove from our credit reports.
Product: Debt collection

Previously contacted company and the credit bureaus to remove negative information. Jefferson Capital ( debt buyer/third party collection agency ) was unable to validate this debt for {$950.00} to the credit bureaus or to me personally because it does not belong to me. They continuously harass me, reporting this negative information, and deliberately destroying my credit information. XXXX  previously filed an investigation and due to no proof ; they deleted it from my credit file. However. I just found out today ( XXXX XXXX,2017 ) that this debt buyer ( original creditor -XXXX XXXX ) once again reported this alleged debt with XXXX and is being reported again. This is a direct violation of FCRA and FDCPA.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Report Act. The List of Accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX  Acccount XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX XXXX  Account XXXX XXXXXXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX Account XXXX XXXX However, they stated everything was complete and the last activity and much more are incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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

I contacted Wells Fargo Home Mortgage immediately after running my credit report for new credit with another company. I had found that my Mortgage has been set up on a repayment plan that I had not set up and that I was being reported 5 months delinquent from XXXX of XXXX to XXXX of XXXX. Upon notifying them they conducted a 30 day investigation only to have XXXX XXXX come back and tell me on the XXXX of XXXX that she can see based on the notes and phone call that I didnt set this payment plan up and I am the one on the loan. She also informed me that there would be nothing that she could do about being that she had already discussed with management. 

I was told a verification was done and though they know I didnt set up the reporting is accurate and they will not be able to change. I asked if Im the loan holder and you know based on recorded calls and notes inputted by the Wells Fargo Representative sometime in XX/XX/XXXX/XX/XX/XXXXtimeframe that I didnt create this payment plan how are you reporting accurately to the three credit bureaus. This has seriously defamed me and is causing me extreme harm. I hold a high level Security Clearance and my income is in jeopardy along with my ability to obtain new credit and Im suffering.

I cried on the phone with Mr. XXXX XXXX, he said he would relook into The problem is that if we change for you we may be legally liable to others for not changing theirs. I waited another week for him to only return and tell they would return two months of late fees, but wouldnt change reporting of Delinquencies to Bureas. I am at a lost here and seeking to offer them another opportunity to correct their error before pursing more civil avenues
Product: Debt collection

I got a phone call from my brother stating Atlantic Recovery Solution was trying to contact me. I called the number he was provided ( XXXX ) XXXX, When calling the agency I was transfer a gentlemen named XXXX XXXX came on the phone asking if I was XXXX XXXX. Advised yes he asked to verify the last four of my social, I asked who the company was and the client they where representing. The associate XXXX XXXX advised I would need to verify first, I advised I did not feel comfortable giving out personal information over the phone. He advised it didn't matter cause he has all my personal information and read my complete social security number over the phone and asked now can you please verify. I advised that was a violation of my secured information to be reading my full social security out over a non secured phone line without even knowing who I am. XXXX advised he could give out any of my information he chose. I asked to speak with a supervisor. Was transferred to XXXX XXXX, XXXX advised he would look into the matter further. This phone call happened on XX/XX/2018 at XXXX XXXX time. 

This was a huge violation of my personal information and I feel I am now at risk having a company with my information willing to give out any of personal data to whoever they please I also have the recorded phone call of this incident
Product: Money transfer, virtual currency, or money service

Made a XXXX payment on XX/XX/year> through Truist bank account and realized an error was made and {$500.00} was sent to wrong account. Immediately filed a case on XX/XX/year> with Truist bank to recover funds under Regulation E. Provided bank all requested information to determine the loss had occurred. Bank immediately declined claim yet indicated they would try and recover funds. Ten business days have passed and no provisional credit has been issued. I contacted bank today XX/XX/year> and they indicate the claim has been denied and they plan no further action to resolve.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below 30 days late as of XX/XX/2012 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal info was breached via Equifax according to www.equifaxsecurity2017.com.
Product: Debt collection

It has been months and many months, I noticed that Portfolio Recovery placed {$720.00} in my credit report for collection. I never gave Portfolio Recovery my consent and authorization to place any information in my credit report. I never received any products or services from Portfolio Recovery. I never entered into a legal and lawful contract with Portfolio Recovery. I demand that Portfolio Recovery provides me proof of a legal and lawful contract between me and them. I demand that Portfolio Recovery provides proof beyond reasonable doubt that I ever gave them my consent to defame my honorable character with XXXX XXXX and XXXX for the alleged debt. Finally, I demand that Portfolio Recovery remove their fraudulent account from my XXXX XXXX, XXXX, and XXXX credit report immediately. 

P.S I demand that Portfolio Recovery validate, verify, authenticate this alleged debt. I demand this alleged claim is deleted from my XXXX XXXX, XXXX, and XXXX credit within the next 7 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive spoken with each credit reporting agency about this matter. They was suppose to be removing inquires within 24-48 hrs and mail updated copy of my report which none of the companies did. Which is a violation of my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Ditech transferred my mortgage to XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX. I did not receive the goodbye letter nor the hello letter, but they did transfer my payment that were set up on bill pay, per RESPA, for the first 60 days. However,XX/XX/XXXX, I called Ditech to get my 1098 information, which was the first time I was made aware my loan was transferred. I then began contact Ditech to track down my payment, and request for it to be sent to XXXX. To date, I have contacted DitechXX/XX/XXXX, XX/XX/, XX/XX/, XX/XX/, XX/XX/, XX/XX/, and today, XX/XX/, sometimes more than once a day. Each time I was promised this would be escalated to a supervisor for a call back to me within 24 hours. I have NEVER received a call back, I receive conflicting information each time I have called, from being told it will be received by XXXX no later than XX/XX/ ( still hasnt happened ), to they will will wire to my bank account and took my bank information ( which I was told on XX/XX/ they dont return directly to customers accounts, so now they have by routing and checking account number ), to it takes 30 days to get the funds to either XXXX  or me, depending on who you speak with. In the mean time, I had to borrow the money to make the XX/XX/ payment to XXXX so this would not negatively impact my credit. In the meantime, Ditech is holding me and my money hostage, and I am not receiving good customer service. They are just hoping I will go away, which I will once the payment is returned to me or XXXX. Every Call Center I have spoken with is pleasant, except the one that disconnected me when I said I would hold for a supervisor and not wait for the call back that would never come, but they do not seem to have the proper training, nor the procedures in place to know how to handle these types of calls.
Product: Money transfer, virtual currency, or money service

I have been trying to get in contact with Grain since XX/XX/22 about their app malfunctioning. I have tried contacting them via their app form : https : //graincustomersupport.zendesk.com/hc/en-us/requests/new and via the phone listed on the billing statement XXXX with no success. When I contact them via https : //graincustomersupport.zendesk.com/hc/en-us/requests/new, I receive a message stating : Hey, thanks for reaching out to us! : ) We got your request. This is an auto-response, but we promise a real person will respond to you soon. Our average response is around two business days but in periods of higher volume, it may be longer. 
In the meantime, check out our support page for FAQs here - https : //trygrain.com/support/. 

Which Ive never received a response from a live person. I have my account set on auto-pay which a minimum payment suppose to be withdrawn from my account monthly. On grain the app it stating the account need to be reconnected, but when I click reconnect the button is not clickable. I even trying paying the minimum payment manual with no success, because the pay button is not clickable. Now my on-time payment ratio has dropped from 100 % to 91. 67 % which is incorrect due to the app is malfunctioning and this couldve been avoided if grain had adequate customer support and technical support.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Opened XX/XX/year> {$880.00} My information may have been impacted by the XXXX, XXXX and XXXX XXXX XXXX and may have got into the hands of the wrong person Under The Doctrine of Estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists Ive asked the following questions to these companies and they have not responded with any accurate info my information was abused through the on going years and I want my life back Proof that I owe this debt, including a detailed accounting of the original amount, any accrued interest, fees, and any other charges. Copies of any signed agreements or contracts pertaining to the debt. Evidence your company has legal standings of debt In accordance with [ applicable state statute ], which mandates a 15-day period for debt validation, I am requesting that you provide me with the following documentation within 15 days of receiving this letter Please note that failure to provide this information within the stipulated time period will result in my reporting your company to the Consumer Financial Protection Bureau ( CFPB ) and any other relevant regulatory bodies. 

15 U.S.C. 1681s-2 This section of the code covers the responsibilities of information providers to consumer reporting agencies. It prohibits the reporting of inaccurate information, and requires that information providers correct inaccurate information after being notified by the consumer. 

15 U.S.C. 1681i This section of the code covers the procedure for handling disputed accuracy. It requires that agencies provide consumers with a description of the process used to determine the accuracy of information, and that consumers have the right to add a statement to their file disputing the accuracy of the information. 

When a consumer disputes inaccurate information, the credit reporting company must investigate the information, and stop reporting it if it can not be verified. The company must also provide a notice to the consumer, and give them the option to add a statement to their file.
Product: Mortgage

I received this enclosed escrow statement from Bank Of America stating that I have an projected escrow short fall of {$330.00} for XX/XX/XXXX. My escrow account was review at the beginning of XX/XX/XXXX. I contacted Bank of American in XXXX and XX/XX/XXXX and was informed that I didnt have a short fall in my escrow account for XX/XX/XXXX. All of my obligations were paid for XX/XX/XXXX from my current escrow account. The account as of today, XX/XX/XXXX, doesnt have a short fall. All require payment from the account will be paid. 
I called Bank of American XXXX XXXX XXXX to find out why I received a letter about XX/XX/XXXX when we are still in XX/XX/XXXX. I spoke to XXXX, in XXXX, he informed me that my account was evaluated again using the projected insurance and tax amounts for XX/XX/XXXX and they arrived at this amount. I asked XXXX, was my current escrow account short. XXXX said no, the account was current. I asked him how this assessment could be done again in this year when Bank of American has not received any bills for XX/XX/XXXX. 
I told XXXX, if I paid this amount that was cause me escrow account to have an overage and that I didnt think that was legal. How can I be expected to pay for a XX/XX/XXXX escrow short fall when the bills have not been submitted to Bank of America for XX/XX/XXXX. XXXX transferred me to XXXX, a manager, and we had the same discussion. She informed me that there was nothing she could do. She filed a complaint for me with the bank. 
This is in my view, on the situation. It is a form of extortion because I am being forced to pay a debt that has not happened. Bank of America doesnt have any bills to pay regarding my account for XX/XX/XXXX. They will hold my funds and millions of other customers as an asset to make loans and draw interest to increase their profits.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted equifax regarding this account it was remove but it keeps appearing on my credit file multiple times
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX and Paramount Capital Group on the date XX/XX/year> accessed my credit report to see if i would qualify for a {$5000.00} loan for a XXXX XXXX XXXX. Upon review they ended up pulling a hard inquiry on my report that affected it by XXXX. Mind you this was also with a co-signer with good credit report and they still denied me approval and damaged my credit substantially.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit was dropped by XXXX points related to a mistake that Chase made in accordance with " The Fair Credit Reporting Act ''. I spoke with Chase on XXXX, at that time the representative told me that the 60 day late fee was an error and that they would send a letter to me for my records and remove it from my credit report. On XX/XX/XXXX, I called again twice to see when I would receive this letter and and the correction to my credit report. They could not see a late payment and assured me that this was an error on Chase 's end. On XX/XX/XXXX, I called again and spoke with a man in the Credit Reporting department. He informed me that there was a late payment, and that he could not assist in removing it. On XX/XX/XXXX, a Credit Law Litigator informed Chase was not following the Fair Debt Collections Act, The Fair Credit Reporting Act, the Fair & Accurate Credit Transaction Act, nor the Federal Trade Commission rules. It was required that Chase contact me, which they did not, that they send letters- which they did not, and that they can not continue to charge me fees when attempting to withdrawal from an unused account. On XX/XX/XXXX, I spoke with XXXX in Chase 's Credit Reporting department, she stated that letters were mailed XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. She stated that these letters were mailed and when I told her that they were not, she stated that she would mail them to me. I then asked for a supervisor. I spoke then with XXXX in Credit Reporting department, who stated that no letters were mailed and that no calls were placed. She then hung up on me at XXXX. I then called back asking to speak to someone that handles complaints, I spoke with XXXX, who noted my compliant but did nothing to resolve the issue. At this time, per the litigator, I told them that we would be seeking punitive damages, all court costs as they admitted multiple times on a recorded line, statutory damages and attorney fees as is allowed.
Product: Mortgage

For the last several months I have talked to XXXX re their continued use of an escrow account that they set up to deal w a gap in insurance that occurred in XX/XX/XXXX/XX/XX/2021. I pay my own insurance ( I have furnished proof back in XX/XX/2021 ) and I pay my own taxes. The insurance issue was settled and I received a letter re that but they continue to deduct a monthly amount from my payment ; then tell me that my payment is " short '' and they " suspend '' my account. All because of an escrow account they set up and will not turn off. I get " robo '' calls re my " short '' payments at least four times a week. when I explain that the problem is theirs they : promise to fix or just hang up. This has been going on for four months or more. My XXXX loan # is XXXX ; the property address is : XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I am not sure how their lack of resolution for this problem has effected my credit rating etc. I have spent countless hrs on the phone talking to every level of this company to try to fix their error. Still have not got any notice of it being fixed as of today ( XX/XX/21 )
Product: Credit reporting or other personal consumer reports

All components are incorrect with the balance per account which XXXX a negative XXXX on my credit information
Product: Debt collection

I am writing to file a formal complaint regarding an unfamiliar account, XXXX XXXX XXXX, with Account # XXXX, that has been inaccurately posted on my credit report. I have no knowledge of the origin of this account, and its reported opening and closing dates are both inconsistent with any financial activity I have been involved in. 

I have no record or awareness of an account with XXXX XXXX XXXX, Account # XXXX. It is concerning and distressing that this account has appeared on my credit report without any prior notice or verification. 

The reported opening date of XX/XX/, and closing date of XX/XX/, are entirely inconsistent with any financial activity or accounts that I have been involved with. This inconsistency further raises questions about the accuracy of this reported information.
Product: Mortgage

I received an email on XXXX from TIAA saying that my mortgage was not yet paid. I did not have time to deal with it since I was dealing with a death in the family. But on XX/XX/11, I got online to check if payment was made. I make my payments using Epay through my bank, XXXX XXXX XXXX. We were able to confirm that the payment was received and reconciled on XXXX at XXXX. I will attach the receipt. 

When I go online to check my account, it continues to show that I owe my mortgage for XX/XX/XXXX. When I call, they give me automated voice message that says my balance is XXXX so which is it? 

I have tried to contact them using this number - XXXX but there is no option to hold for a rep ; it just takes you to an option to get a 1098 statement. And if you try and press 0 or # or * ( options that usually take you to a rep ), the system hangs up on you. 

This is TIAA Bank and they have always had horrible customer service but now, you can not even get through. How can a large bank get away with treating their clients like this? I am a consumer trying to make sure my payments are made timely and they cant even provide a good phone number to make that happen. These guys just need to be sued and shut down ; they are the worst. This is frustrating!