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

BOA decided to close my business and personal account out of the blue and after this deposit was made in XX/XX/year> they told me multiple times funds will be mails to and i got no where when i called and emails tonall departments i was tild its under review now if 5 months review lets be honest they kept my money {$4800.00} act number XXXX XXXX XXXX XXXX XXXX XXXX my phone number is XXXX XXXX XXXX
Product: Debt collection

I have been disputing this account for some time now with JP MORGAN. I sent an initial dispute letter asking for verification of this account because I am not familiar with this account. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them. My letter was delivered on XX/XX/XXXX, and here is the tracking number XXXX XXXX  XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. I am sure there is a law that proves it.
Product: Credit card

Asked for copies of attempted transactions for police department. Advised I was not entitled as it was not my " credit ''. - my name my credit score. After card was cancelled, they continued to allow additional transactions to go through but kept telling me it was okay because I wasn't liable. I had changed my card number but because the card hadn't cancelled her as an auto biller, they gave her my new card number without my permission.
Product: Debt collection

I need the help of the Consumer Financial Protection Bureau, as Credit Control , LLC still has my personal information, trying to collect a debt that can no longer be enforced or for that matter reported on credit. This abusive collection letter states that by the standard established through the Office of Attorney General in the Commonwealth of Massachusetts, mandates that the collection can no longer be enforced. I request that the Federal Trade Commission step up and sanction this collection agency, that is trying to collect on a debt supposedly taken over by a debt buyer known as XXXX XXXX. Both of these companies are owned by the same holding company, and thus both companies are committing abusive collection practices. I demand the purge of all of my personal information with Credit Control , LLC and XXXX XXXX permanently. 

CEASE AND DESIST AND PURGE FILE!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

ShellPoint Mortgage company 1 ) They put my mortgage into forbarance at the hight of the Covid-19 Pandemic without my permition 2 ) They raised my Mortgage rate by {$200.00} a month without informing me even after several verbal communications on the phone 3 ) As a result of # 2, They claim that i was behind on my Mortgage payments even after i sent proof that i paid every month on time.

4 ) Response times were 30-40 days from email communication with company I now have late statements on my credit report and a forbearance that was not approved by myself or my wife
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted an Equifax data breach settlement claim on XX/XX/1922, claim # XXXX. I received an automated claim confirmation. However, that was the first and only communication. I have not received any response, acknowledgment, request for additional information, or an explanation to date. I submitted an identity fraud report to Equifax that is believed to be a direct result of the breach. The FTC identity fraud report was filed also on XX/XX/1922, report # XXXX. I didn't claim a loss on the identity theft report, but repair and resolution has taken over 3 months, for which only XXXXXXXX XXXX  of work hours were claimed for restitution. I have made multiple attempts to contact Equifax and Equifax settlement administrator, however settlement administrator number only has a tireless labyrinth of recorded messages without an option for a human. I have waited for 7 months, and I understand many class members have received their settlements. I have yet to receive an acknowledgment, settlement, rejection, response, or explanation. I expected Equifax to adhere to the settlement terms agreed to with FTC however they are in breach of their agreement. Please assist in facilitating a settlement. Thank you.
Product: Mortgage

My name XXXX XXXX XXXX, I submitted my application for a short sale with Bayview Loan Servicing, loan number : XXXX back on XX/XX/XXXX. The this whole process has been a nightmare and a real pain of a process. When I contacted Bayview I was advised to submit certain documentation to the lender to be reviewed. I did and was confirmed that they were received and was going to review the documents. My file was then transferred to an asset manager XXXX XXXX who I have never spoken to and never returns my calls. Her contact number is XXXX ; I was then advised that my file was transferred from the short sale department to the bankruptcy department. WHAT!!!! why? When the last time I filed BK was on XX/XX/XXXX file number BK XXXX. And keep getting advised that I have to speak to XXXX ... I do n't understand how a big company like Bayview has only XXXX person assign to my file that can update me or help me with my review or process. It is just ludicrous an unprofessional. The customer service is awful ... Go figure that the lender did n't help me when I tried to do a loan modification and advised me that I only qualify for a short sale that they are even making it hard to even do that.
Product: Credit reporting or other personal consumer reports

I purchased a new XXXX refrigerator in XX/XX/XXXX using a XXXX  % XXXX incentive new credit card promotion offered by XXXX and credit card lender XXXX. I provided banking information for auto-pay enrollment during account creation as well as my new mailing address. I never received an invoice from the credit card company until late XX/XX/XXXX when I received my first invoice and statement of a past due {$30.00} balance, which surprised me but I accessed the account the same day and initiated a XXXX payment for the outstanding balance including the past due balance plus the current charges, and revalidated that my auto-pay checking account information was correct, which it was. I immediately filed a dispute about the negative and significantly damaging credit reporting submission that dropped my credit score by XXXX points with Experian and also dropped my credit score rating from XXXX XXXX XXXX which I have been diligently working to improve back to my Excellent status I have maintained for XXXX years until my recent divorce that finalized on XX/XX/XXXX. Considering I was not notified by phone, text or email of the past due charges until the company reported the past due balance to the credit bureaus I am desperately requesting that this late payment be removed from my credit report history with the bureaus. Thanks in advance for your consideration. 

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

GoodLeap is a finance company for solar panels. On XX/XX/2023 I sent them a debt validation request and requested that until they sent a response to the debt validation they cease reporting any negative or derogatory reporting to the credit bureaus and code the tradeline as " in dispute. '' To date GoodLeap has not provided validation and reported the tradeline as delinquent causing my transunion credit score to drop XXXX XXXX this month. They knowingly violated the FCRA by not accurately reporting the dispute.
Product: Vehicle loan or lease

I first had an issue with the engine light that appeared soon after the purchase of the vehicle in XX/XX/XXXX I also had an issue with getting title information so that I could get a plate and was told that it was being taken care of and I was issued another temporary tag in XX/XX/XXXX and found afterwards in the month of XXXX that the offices were closed because the company declared bankruptcy so I couldnt get my tag for my vehicle and found out that they never sent the title information to the bureau in Tennessee and just recently in addition to the issue with the engine light, on our way home from our XXXX holiday in XX/XX/XXXX our vehicles engine blew up which is related to a pre existing problem an oil leak that our mechanic told me was there had we known we wouldnt have purchased the vehicle so now we are stuck with a loan that which the sticker price was marked up from XXXX to XXXX. This is definitely predatory lending at its best.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today on XX/XX/2019 I had been using Transunion.com to view my credit report, a website to which was advertised as free to use and had finished updating my account only to find out {$26.00} had been deducted from my XXXX account. Then, I proceeded to find a way to cancel my account on the website, but was unable to find any sort of link related to this and couldn't call since it was after office hours so I tried looking online for any answers about this and found links that other people used to cancel their account, but it had not worked for me either. The most bothering part about this is that multiple people have been taken advantage of by this website and yet their customer support is still just as poor. Tomorrow morning I plan to call and see if I am able to cancel and hopefully get a refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian reporting and allowing unauthorized inquiries on my report. They wont provide written documentation as to the nature of the inquiries. Someone has my social security number attempting to get credit
Product: Credit reporting, credit repair services, or other personal consumer reports

When I filed a dispute with Navient, they sent me a letter back on XX/XX/2021 stating that they needed additional information from me to verify my loan with them. The loans are closed and should not be on my credit report at all. I included the amounts in the dispute letter to them and my information and it is still on my credit report. They stated that my letter was considered frivolous and irrelevant under the Fair Credit Reporting Act.
Product: Checking or savings account

I had opened a college account in Wells Fargo XXXX in XXXX as a recommendation of my XXXX student ; : s program at XXXX University. Since I came back XXXX XXXXXXXX I decided to keep my account open free for transactions. For years I ; : ve kept the account with no activity or funds becoming dormant. In XXXX XXXX  XXXX to reactivate it, Ive sent a letter with updated personal information to Unclaimed Property Department of the bank with copies of passport, social security number, payment checks, all documents asked as the instruction process. Wells Fargo promptly reactivated my account and I was free to use it. Even thought my debit card was expired and I didnt receive a new one on my billing address, at that time I could access my account from online banking. However, since XXXX after I made a transfer of XXXX dollars from XXXX to my checking account at Wells Fargo, with the intent to transfer to another XXXX account, my XXXX checking account. After that, all services were blocked and I didnt have access to my funds. In those XXXX years Ive tried to solve this situation by phone. Ive tried to buy an XXXX XXXX XXXX, to register an XXXX phone number to be verified, to ask for a cashier 's check in my billing address and any other possible solution. Today in contact with WF costumer service I was notified that the only way to access my funds was going to a branch personally, which is impossible for me right now living in XXXX. My account is completely blocked without a reason. 

For this reason I'm respectfully asking for XXXX bank regulator your intervention.
Product: Credit card or prepaid card

My problem with American Express is that they gave me a {$22000.00} loan WITHOUT ME APPLYING FOR IT, and their Fraud department keeps concluding that I did it because it is indeed my checking account that the money was deposited into. I DID NOT APPLY FOR THIS LOAN but American Express IS NOT INVESTIGATING HOW OR WHY THIS HAPPENED. Further, they are calling me daily for repayment, assessing interest, and have cancelled my regular Amex credit card. I fear this will go to a collection agency and ruin my outstanding credit. This all started in XX/XX/XXXX. I can not get resolution. 
XX/XX/XXXX, I received a letter from AMEX stating " there was an attempt to open XXXX or more deposit accounts in your name at AMEX National Bank, and we believe it was without your authorization. '' I called ( XXXX ) XXXX to inform that I did not apply for any account. XXXX, I received a letter from Amex stating, " we need to speak with you regarding a security concern on your account '' XXXX Personal Loans. XX/XX/XXXX invoice date, first bill arrives for a {$22000.00} loan that I had not applied for! XXXX Account ending in XXXX. The invoice details " AMEX Loan DISBURSEMENT XX/XX/XXXX of {$22000.00}. '' I called AMEX, spoke to " XXXX '', who confirmed my identity, said he would look into cancelling my loan account and opening a fraud inquiry. He changed my account password and security pin. He said the investigation could take up to 45 days. XXXX XXXX, I received a letter from AMEX Fraud Operations stating that my inquiry is currently under investigation by the US Fraud Department. Then, XXXX XXXX, I received a letter from AMEX Fraud Operations stating " we've reviewed your dispute and are unable to accept your claim as your name is listed on the bank account in which the loan funds were deposited '', dispute reference number XXXX. I am shocked and furious ; we all knew that it was my checking account, but HOW DID THE MONEY GET INTO MY ACCOUNT?!!!! For months now, I have called AMEX explaining that this is fraud, that I didn't take out this loan. I have spoke to XXXX, XXXX, XXXX, and Fraud supervisor XXXX in XXXX. XXXX ( XXXX ) XXXX, XXXX ) finally cancelled my autopay and XXXX refunded me for XXXX ( case # XXXX ) and for XXXX ( case # XXXX ). But since then I keep getting billed, getting called to collect payment, and have had my AMEX credit card cancelled. Now, I'm being threatened with collections agency! I've called, spoken to XXXX, XXXX, XXXX, XXXX, XXXX... all promising to look into my case # XXXX. Still no resolution.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exits. ( please remove this account before I seek litigation for defamation of character XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

US Direct Express is the most dysfunctional organization I've encountered. I have tried to make a money transfer twice. I have a confirmation number. After three weeks, the transfer has not been received but, the money was deducted from my account. Every time we tried to contact someone at US Direct Express the recording said they were too busy and to call back at a later date. That happened numerous times. We could never get through to a live person.
Product: Credit card or prepaid card

Hello, Ive been with Bank of America for about XXXX years since I opened a debit and a credit card and all those years Ive never had any issues or anything unpaid Ive always payed on full every month and Ive never had any troubles, today I tried to use my credit card ( that I havent used in person for about XXXX months because I usually use my credit card for online subscription/ and online payments and I use my debit for anything else ) and It said it was declined, I called my bank and asked them what happened and they said they have closed my account because I forgot to pay a couple months ago and its been accumulating ( something that I didnt realized ) because I payed my minimum amount last month and this month too ) and I thought I was paying a normal monthly payment but Ive been XXXX while my card its been closed ( it was a total of around XXXX dollars ) I tried to ask them if they could reopen it and this wont happen again because It was just a misunderstanding I never meant to not pay but they say their policy doesnt allow them to reopen a credit card and that they were very sorry this happened to me, I checked my credit score which was XXXX last time I checked and when I check today it dropped to XXXX over the period of a month I understand this happened because of the closure of my credit card but I dont think its fair that my credit goes down so bad for something I wasnt aware of ( I never got an email with anything saying that I didnt pay for that month of anything saying that my account was going to be closed and I wasnt aware for XXXX months that they just closed it and didnt even gave notice or anything, if I could get help on what to do and what my steps are to fix this credit score that would be awesome, the only reason why I opened a credit card was because I moved out of my parents and they told me thatll help me get approved for apartments, my lease ends in less than a month and I wont get any application approved because of my credit, thank you so much.
Product: Debt collection

I filed a police report and completed the notarized affidavit as requested by the company and they told me my information was unacceptable. 
I cant fo anything else. This very unfair. Because it's not my dept.
Product: Student loan

I would like to Lodge a formal complaint against XXXX, as I had a Sale Mae/Navient loan. I had called several times to ensure I was eligible for loan forgiveness, as I was a teacher. I was told I was on track, but every person I talked to told me something different. 

In the end, it turns out that because I paid more than a minimum monthly payment, I was not eligible for loan forgiveness and none of the payments I had made would qualify for credit towards forgiveness. 

We ended up paying the balance off ASAP to be done with the mess, as I was given faulty information on multiple occasions.
Product: Mortgage

When I had my mortgage with Ever Home. I entered into a repayment plan to bring my account current and to keep me from losing my home. When I entered into the agreement I was told that they would be helping me and that my credit would not be affected. While on the repayment plan I made every payment on time but they reported me late every month which had a devastating effect on my credit
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Reporting Act these creditors has violated my rights under 15 USC 1681 section 6 O 2 states I have the right to privacy 15 USC 1681 section 6O4 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. The following are a list of the creditors : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX capital one XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Wells Fargo Credit Card XXXX Customer Service and Management ) has been very confusing in regards to the billing processes. 

I am continually getting harassing emails and phone calls as it relates to payments being late. Wells Fargo can not clearly explain, what is reported to the credit reporting agencies? Late by the due date OR late according to the Billing cycle. Customer service can not answer nor clarify this question. And for bookkepping purposes is making my autopayments difficult to make due to confusion that Wells Fargo has created.
Product: Mortgage

For over 2 years now we have been trying to do a short sale and we have run into a road block with the Jr. Lien at PNC bank XXXX After many conversations with PNC customer service department, I have been told that the asset manager that made the final decision on this file. PNC decision was insulting to say the least. Maybe they did not review the appraisal and payoff letters I sent you from the 1st mortgage lender XXXX XXXX. I have attached them hereto again for your review. Please note that the appraisal done by the 1st mortgage lender was a full interior appraisal XXXX value not a drive by like PNC Has done. Please note that there is over a XXXX discrepancy in the value from your PNC Drive by Vs. the 1st mortgage lender XXXX servicer. Also note that there are structural issues with the property. Also the Property has been listed for sale for over 2 years at XXXX with no offers. 
That discrepancy is too wide to be anywhere acceptable / credible. The only conclusion that can be derived is that PNC is being totally unrealistic in their evaluation. This can be considered acting bad faith in part by PNC to say the least. I call it malfeasants. 

The buyer was so distraught by your decision that he has directed me to help him negotiate directly with the first mortgage to buy the note and proceed with the foreclosure to remove PNC as the Jr Lien. That has already been put into motion. See attached letter to 1st Mortgage attorney. 

PNC has blown this approval and now very likely will receive no proceeds to settle this matter. You should reconsider to take no more than XXXX for this upside-down property and that's generous. 
However even this offer may be too late as Buyer has started the process with the 1st Mortgage lender to buy the note and continue the foreclosure.

Let me know ASAP.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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  XX/XX/2022 XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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