23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the following accounts on my credit report : XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX believe that these accounts have been inaccurately reported to the credit bureaus, and I am requesting that they be removed from my credit report. 

According to the Fair Credit Reporting Act, credit reporting agencies must investigate disputed items on a credit report within 30 days of receiving a dispute. I am requesting that you investigate these accounts and remove them from my credit report if they are found to be inaccurate or incomplete. 

I would also like to request that you provide me with a copy of my updated credit report once the investigation is complete. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2024, I received a phone call from a number that appeared on my caller ID as Bank of America, during this call, the individual informed me that funds had been stolen from my account and requested that I verify my identity by providing a code sent to me. Unaware of the risk, I provided the code subsequently I discovered that {$5000.00} was fraudulently wired from my account. 
Given that I have never initiated a wire transfer before this should have been a clear red flag and triggered additional verification steps. I then called Bank of America fraud dept they informed me it was not them who made the call. 
It is evident that current security controls were inadequate in preventing this incident, as a loyal customer I deserve to know how this transaction was successfully completed under their watch and what steps Bank of America will take to prevent such fraud in the future. I faxed and emailed them a letter XX/XX/2024 demanding a detailed written response to each of the questions that I had asked them, as well as a thorough review of my fraud claim. I received no reply. 
It took me an hour to talk to a fraud specialist over the phone and said they would look into the matter and give me their response in 90 days.

I had to close the account reopen another account where they were very happy to have me apply for two of their credit cards and a new checking account. I will be canceling those cars and taking my money out of that bank as soon as this is settled.

Every time I called the fraud Dept, they told me that they were still investigating it, I dont think they investigated anything! isnt it their responsibility to have security measures and fraud controls in place to protect my funds?

this incident highlights a significant lapse in Bank of Americas systems ability to safeguard consumers against fraudulent activities. I am deeply concerned and very frustrated regarding the handling of this recent fraud incident, and the subsequent denial of my fraud claim. 
I feel they are not compliant in their dispute claims process and failed in the security practices to protect me and my account.
Product: Money transfer, virtual currency, or money service

I had an issue with Zelle a few years ago where money wasnt transferred to the right person properly and they did not resolve it for me. There wasnt clear confirmation of the recipient and by the time I realized it wasnt right, the money was transferred from my account and there was no way to get it back.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Product: Bank account or service

On XXXX XXXX, 2015 at around XXXX, I visited the branch at XXXX XXXX XXXX, XXXX XXXX, FL XXXX, to purchase euros. I used a credit card after being assured XXXX by the teller that it would process as a charge and not a cash advance. I told him that I would pay cash if it processed as a cash advance because I did n't want to pay the cash advance fees. I looked at my account online a few days later and discovered it had been processed as a cash advance. I was finally able to speak with the branch manager, XXXX XXXX. She took my information and told me she would get back to me. She called two days later and left a voice mail to call her with no further information. I have since left a voice mail XXXX on her direct number XXXX, but have not had the courtesy of a return call.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are numerous credit inquiries on my report that were unsolicited and non consented to, that are extremely detrimental to my credit score and I am having an extremely difficult time finding a lender because of those non consented to inquiries. One in particular was from XXXX? My bank told me there were close to XXXX something inquires from them alone. In my opinion, if I consent to the inquiry, they should only be able to check once correct? This is devastating! Please help!
Product: Debt collection

Pay tomorrow currently calls at least 3 times per day, Monday thru friday, at times between XXXX and XXXX. When I spoke with them I told them that I work over nights and do not get home until around XXXX and ask them not to call until XXXX as that is when I get up to get ready for work. Not only do they continue to call during the times that I've asked them not to, but even after I hung up the phone with them I recieved 2 more calls that day and 4 calls the next. They have filled up my voice mail calling 3-4 times a day while I am trying to sleep for work. They have stated that they will continue to call every single day even after I told them verbally to cease and desist. I have asked to talk to the supervisor, and was denied. I asked for the supervisors number and was denied. I have asked for the corporate number and was hung up on. I have tried to explain my current financial situation and asked them to stop attempting to over draft my banks, and they still continue to attempt to pull money from the 3 cards they refuse to remove from the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a bunch of fraudulent information on my credit report. 

I never had an account with XXXX XXXX XXXX or XXXX XXXX XXXX but they are showing up on my credit report. 

I also have several other inaccuracies on my report such as " XXXX XXXX '' another company that I have know knowledge of and have never opened an account with them. 

This is crazy, how can this be happening?
Product: Mortgage

My reverse mortgage holder has been asking me for proof of insurance on my condo. I have sent proof of insurance 4 times, but the company is still sending me notices saying that they are going to purchase insurance and charge me. 

The company is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX
Product: Debt collection

Mobiloans , LLC is a tribal lending company that gives loans online. They are not licensed in the state of South Carolina where I live. The loan is not legal. Someone called me about taking me to court to pay back the loan. The loan is not even a legal loan therefore I do not have to pay it back and can not and should be sued for it.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Date Assigned XX/XX/year> Original Amount Owed {$2100.00} Amount {$1500.00}
Product: Credit card

To whom it may concern, The terms and conditions for my American Express XXXX XXXX XXXX account opened XX/XX/2024 with the promotion states " 0 % intro APR on balance transfers for the first 15 months of Card Membership from the date of account opening, based on your creditworthiness and other factors. '' I have XXXX cards including the XXXX XXXX XXXX card with American Express and they are all in good standing. I have never had a XXXX XXXX XXXX XXXX before. On XX/XX/2024 I made a balance transfer, which fell in the 60 days promotion offer agreement. On XX/XX/2024 I was charged {$56.00} in Interests charges. This came as a surprise since the promotion dealsays 0 % intro APR for 15 months and I also received different explanations from AmEX representatives after inquiry on the interest charges. 
On XX/XX/2024, an AMEX rep told me I received the interest charges because the promotion was only for a lower interests rate on balance transfers. Which was never stated in the advertisement or the terms and conditions. When I reached out XX/XX/2024 I was told that I was not eligible for the promo because I am already an AMEX card holder ( GOLD and PLATINUM ). When I asked for documentation on the justification, the rep could not send it to me and told me where to find it. I was not able to locate the information that refutes the 0 % intro fee does not apply to card holders. The only information I could find is " You may not be eligible to receive the welcome offer, intro APRs, and intro plan fees if you have or have had this Card, the XXXX XXXX  Card, the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX American Express Card or previous versions of these Cards .... If you are not eligible for the welcome offer, intro APRs, and intro plan fees we will notify you prior to processing your application so you have the option to withdraw your application. '' I have never had the XXXX XXXX card or anything similar in the past and I never received a notification while submitting an application. I would not have submitted my application if I received notification of ineligibility. 
Ultimately, I am disappointed with AMEX for misleading its current and new customers. The advertisement is a blatant lie, and no one can give me a straight answer or provide documentation on why I am paying interest on a promotion deal stating 0 % interests on terms and conditions for customers that never had the American Express XXXX XXXX XXXX card.
Product: Credit card or prepaid card

I recently reviewed a copy of my credit report from XXXX XXXX and XXXX and noticed that I was reported as being late on this account which has caused severe damage to my credit score. After doing some research and coming across the Fair Credit Reporting Act, I see that I am allowed to dispute any and all late payment history being reported if I feel it is inaccurate or incorrect. 

I was affected by XXXX. Per the amendment of the FCRA with the CARES Act passed by Congress in XX/XX/2020, any late payments need to be removed from my credit report and updated as paid on time with zero lates that were reported since XX/XX/2020. 

I already disputed this with the credit bureaus directly and they verified it as being accurate. I am not sure how this happened, I believe that I had made my payments to you on time when I received my statements.
Product: Mortgage

On XX/XX/XXXX I received a letter from my mortgage holder, Huntington National Bank, that I was delinquent on my mortgage by the amount of {$4800.00}. I called Huntington and informed them, I have made my mortgage payment of XXXX on time every month and could provide proof payment. They informed that in XXXX of XXXX, an escrow change was made and my payment had gone up {$380.00} and I had not made the correct payment and therefore, was behind. I explained that I had not received a notice of this change. The employee said he would look into it and call me back. Later that day, I called Huntington again, this time I was put on the phone with an employee named XXXX. XXXX refuses to give me his last name. XXXX has told me that Huntington has sent me notices and statements, I owe the balance of the escrow, late fees, but refuses to tell me if this has affected my wife and I'd credit. I asked XXXX if Huntington could prove they sent me the notices and statements to the correct address. He said he could not. I then drove to an actual physical location and spoke to XXXX XXXX XXXX : XXXX. I told him that I had not received any notices that my payment had changed and I would like to pay the difference, but since I never received a notice, I didn't think I should have to pay late fees and would like any negative reports to our credit removed. He looked in his system and said that Huntington was sending the statements to the wrong address. He said I would need to call Huntington and ask them to care of it because he couldn't do it there. I called Huntington on XX/XX/XXXX and was put back on with XXXX who reiterated that Huntington had sent all the statements to the address in their system ( it was changed by XXXX XXXX the previous day ), that I would have to make the payment as is, he would not remove the late fees, and I would need to handle the negative credit report on my own -- which has dropped XXXX points. On XX/XX/XXXX, I paid the amount Huntington had for my balance due, {$2400.00}, as stated on their website, in order to avoid anymore negative reporting.
Product: Credit card or prepaid card

I have yet to be contacted regarding resolving fraudulent charges on my Bank of America credit card. Initially they refunded my card of charges around {$3000.00} for fuel purchases over a couple month period. I requested my visa be cancelled and reissued a new card number. B of  America took th e money back after their 'investigation ' stating that it could not be fraud because a chip card was used. Clearly my banking history for more than 20 years with this same bank shows I have never made purchases like this. It 's not even possible to buy as much gas as was being charged within the same day  ( s )  at multiple locations when worki ng 40 hours+ a  week. I have been to  2 Ba nk of America branches in-person to have this looked at and brought documentation. It was a bank mgr that informed me of card cloning. I have been in contact with the week-day fraud depart., the customer svc depart, the weekend/after hours fraud depart, everyone does/says the same thing - they apologize, say they will have someone contact me re my appeal of the denial and my requesting a further investigation. It 's been over a year. Yes, over a year. I 'm so irritated that I 've only been making the minimum payments since this happened, I initially never activated my new card number because I want to close my whole banking experience with B of A because of this. Not  one pe rson has followed through with my multiple requests. This is absolutely unbelievable.
Product: Debt collection

2024. Spring Oak Capital LLC XXXX XXXX XXXX XXXX XXXX XXXX. 
This company ( Spring Oak Capital ) has damage my credit. I have called, email and written the company about this matter. This company has failed to provide me documentation of ownership of this accounts in question. Some of the representatives were rude and unprofessional.

I was forced to make a payment plan to avoid begin sued. Why I have to pay for someone elses debt.

I feel trapped and need help. This has m
ade my life worse than ever. I now suffered from XXXX and XXXX. I no longer like answer the phone or open my email. 

This company has harassed me.
Product: Student loan

I have a loan with NAVIENT. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and NAVIENT with no successful resolution. XXXX was the only one reporting me late. There was definitely an error on their part. I was never 30 days late XXXX-XX/XX/XXXX, XXXX-XX/XX/XXXX / XXXX-XX/XX/XXXX / XXXX-XX/XX/XXXX.
Product: Mortgage

I purchased a new construction with XXXX XXXX in XXXX, MD and used XXXX XXXX in-house lender, NVR Mortgage, as my mortgage lender. However, due my loan officer and NVR Mortgages negligence, they failed to provide me with the information that I needed to properly submit an application for the Maryland HomeCredit Program, which offers eligible first-time home buyers an annual tax credit of {$2000.00} for the life of the loan. I first inquired with my loan officer during our initial meeting on XXXX XXXX, 2017 and had submitted several follow-up inquiries regarding the application process for the Maryland HomeCredit Program to her over the course of the 5-months that my home was under construction. Despite the 8 e-mail and phone inquiries during this period, my loan officer only responded to me once and told me that the application would be provided to me at settlement, which would still be sufficient time. However, I was not provided with an application at closing, and it would be another 3 weeks after settlement that my loan officer would share an application for the XXXX XXXX XXXX which was not the Program that I had been seeking. When I finally received the Homestead exemption application, I immediately notified NVR Mortgage of the problem. They researched the issue for several weeks and was found that I would no longer qualify for the Maryland HomeCredit Program because the application needed to be submitted by the lender prior to closing. So it was too late. As a result, I suffered a potential loss of {$51000.00} in tax credits over the course of my 30-year mortgage. 

While NVR Mortgage has acknowledged that they were fully at fault for not responding to my inquiries in a timely fashion before closing, they had determined that, despite the fact that my loan officer had recommended that I put down a smaller down payment than what I could have offered and for which, I could have adjusted if I was provided with the correct information before closing. As a result, my loan exceeded the eligibility criteria for the Program, and NVR Mortgage 's corporate office does not feel that they need to take any action or responsibility for this negligence.
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Changes in terms of what was offered/advertised On XX/XX/XXXX I applied for and was approved for the XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX airline miles promotion once the cardholder spends {$3000.00} over 3 months. 

I would NOT have opened the account IF I was notified that I was not eligible for the XXXX airline miles promotion. 

After meeting the promotion requirements I expected to see XXXX airline miles in my account. By the end of the month of XXXX, I had not yet received what was advertised. I called American Express to follow up on the promotion. They initiated an investigation into why I had not yet received the miles. I was advised that a decision on the investigation would be finalized no later than XX/XX/XXXX. On XX/XX/XXXX, I spoke with the American Express customer service billing team XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) who confirmed that I have met all of the eligibility requirements and that she can see that I applied for the XXXX mile promotion. But at the time she did not have an update on the investigation but stated it may have been an Amex error. 

It has now been more than XXXX weeks past the time I should have received what was advertised and I have no other choice than to initiate a complaint to get the XXXX airline miles ( retail value {$2400.00} ) I deserve. 

It is now XXXX, I have not heard back from the company with any resolution from the investigation that was initiated in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. The last letter I sent to Experian was dated XX/XX/22 but I never received a response from them. The account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If Experian does not validate the account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 


XXXX XXXX XXXX : {$1100.00}
Product: Checking or savings account

I ut a disput in to Wells Fargo equal around to XXXX but it not was two separate charges the im question is XXXX the bank issued a temporary credit then 120 day later they did a credit reversal so now im negative XXXX this was a charge from a company called XXXX XXXX XXXX  they got shut down by the Ftc service werent not rendered but bank is saying they couldnt collect on the he money when the ftc clearly said the asset are frozen for refund the consumer sowhy didnt well fargo contact the ftc to get the money back i give them the agreement that service wont render and because they revsered the charge isnt right
Product: Vehicle loan or lease

I bought a second-hand car with a loan from Toyota Financial Company through a Toyota dealer . I canceled my gap insurance. Toyota Financial Company customer service said the refund would be returned to my loan account, but I called today to inquire and they said the refund would be to Dealer, this is fraud. You said it would be refunded to my account, so I canceled it. Now I still pay for the loan, and you took away an extra amount of money,
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. I submitted my first complaint on XXXX XXXX XXXX secornd complaint on XXXX XXXX XXXX. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed ( XXXX Credit card with account # XXXX and XXXX : account # XXXX ). According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interview with neighbors, friends, or associate of the consumer reported on or with others with whom he acquainted or who may have knowledge concerning any such items of information. They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 ( 7 ) states everything has to be 100 % Accurate. I have the credit report showing inaccurate. 
I believe that the information reported is incorrect and does not accurately reflect my credit history. I and requesting that you investigate and correct the errors as per my rights under the Fair Credit Reporting Act ( FCRA ). 
To support my dispute, I have enclosed copies of relevant documents such as my driver license and prove of address. 
Thank you for your attention to this matter. I look forward to your prompt response and resolution of this dispute.
Product: Credit reporting or other personal consumer reports

I was contacted multiple times i let them know this was not my account. this is a fraudulent account. I have filed an XXXX. I asked for information on the debtor full name DOB last four of social they wouldnt give it to me