23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I had two credit cards with Bank of America. I paid both in a settlement. In XXXX, I received a tax document to file these cards on my taxes. According to Federal guidelines credit cards can not be counted as credit and income. These two cards are still on my credit report. One account will be removed in XX/XX/XXXX and the other in XX/XX/XXXX. I am unsure how when both were paid at the same time. I have written BOA, XXXX, and XXXX and they refuse to correct my account.
Product: Mortgage

On or around XX/XX/17, we initiated a no-cash-out refinance application with Towne Mortgage. Since I am a XXXX veteran, and on a fixed income, I only wanted to reduce my mortgage payments by eliminating the PMI on our current conventional mortgage. We have been waiting on a closing date since XX/XX/XXXX, and have now been advised that we will be denied for the refinance due to ONE late mortgage payment. We were given the opportunity to explain the late payment, which was caused by clicking on the wrong date on the website when setting up a payment. We have had the home inspection, provided the appropriate documentation and other subsequent documentation. We feel that the denial reason that Towne is giving us suspect and feel they are engaging in discriminatory practices. Why would they schedule a costly home inspection without everything else being In order? Doesnt seem like a reasonable business practice ; why allow us the opportunity to explain the late payment if the explanation would be discounted? Please investigate and to why this refinance went sideways.
Product: Credit card or prepaid card

My Apple Card has been restricted since XX/XX/2023. Since this process first started, Ive reached out to Apple Support numerous times and have followed all instructions provided to try and have this restriction lifted. Steps include resetting my Apple ID password and verifying my identity with Goldman Sachs. The restriction has been lifted temporarily twice, and each time it becomes restricted again as soon as a use it to make a purchase. This brings my account restriction total to three over the past few weeks, with zero explanation each time this has occurred. Despite continuing to follow their process and expressing how much of an inconvenience this is, my account still remains restricted with no ETA for resolution or guarantee that this will be a long-term fix.
Product: Debt collection

I recieved a letter for settlement of an old debt I owed for an apartment. When I called in to accept the settlement amount, XXXX things happened. 
1. They changed the amount because there is a daily interest rate that is applied. 
2. They agreed that if I paid the amount of XXXX They would delete the record permanently. 
I agreed. 
I then spoke to my credit counselor and she told me that Paying that amount was not necessary, and I called " XXXX the next day and told him I would opt for the lesser amount and accept the " paid in full gurantee he offered me. 

Today, this account is being reported as " settled for the lesser amount '' and when I called to clarify their statement of settling in full, they stated that " settled in full is what they report and what the bureau reports is their own process ''. They made no attempt to correct the reporting, and I feel like I was tprovided flase information in order to pay the debt.
Product: Payday loan, title loan, personal loan, or advance loan

I did not authorize XXXX XXXX XX/XX/2023 remove this off my report immediately.
Product: Checking or savings account

I'm a XXXX XXXX who open checking accounts numbers in XXXX XXXX XXXX, before sort codes was perfected. 
XXXX. I delivered a cash deposit of XXXX XXXX use dollars XXXX. Passport, plane tickets, XXXX. XXXX  flight {$11000.00} round trip. 
XXXX. XXXX terminal ohare airport XXXX Problem. I lost all my checking account numbers XXXX. Specifically my driver license.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I started a mortgage process with Bank of America in order to buy a condo. 
The BA mortgage agent communicated both via email and the BA platform with us and his emails were always signed and included a BA footer with his headshot and address.

After numerous emails that included my real-estate agents and my lawyers, as we were getting close to the closing date ( the week of ) and we were wrapping up the last details, he sent us information for the wire transfer for a XXXX down payment. 
The document had the XXXX title logo and a Bank of America bank account to transfer. 
I completed the transfer at my local Bank of America office - 24h prior to closing date. 
He then sent us information about the closing date and time and location ( important fact ). 

I showed up at closing the next day to discover the down payment wasn't received by the XXXX Title association and I immediately recognized the fraud and checked my emails to discover that the last 3 emails were sent from the same name ( same footer, and as replies of previous conversations- but from a different email ). 

What made the situation more difficult was that the real agent stopped answering his phone bot the day before as I was trying to confirm the transfer with him and during closing, when he didn't send the closing papers - and " went on vacation '' without announcing this, we found out from his manager who eventually sent the closing documents. 

I reported the incident with Bank of America several times and nobody contacted me or even followed up on my claims. After numerous phone calls, Bank of America sent a " declined '' answer to my fraud investigation request, and they refuse to provide any explanation on why a claim involving a fraudulent email labeled BA and another BA fraudulent bank account shouldn't be held accountable in this case ( without a subpoena ).

Let me know if you need any details or documents but I would appreciate any kind of resolution you can provide, Thank you XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 

Below are fraudulently unauthorized inquires on my report : Company : XXXX Date : XX/XX/XXXX Company : XXXX  Date : XX/XX/XXXX Company : XXXX  XXXX Date : XX/XX/XXXX Company : XXXX Date : XX/XX/XXXX Company : XXXX Date:XX/XX/XXXX Company : XXXX XXXX Date:XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date:XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX BELOW are the Company AND Account numbers for inaccuracies reporting on my credit report : Company : XXXX Account # : XXXX Company : XXXX Account # : XXXX Company : XXXX XXXX XXXX Account # : XXXX Company : XXXX Account # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

please find attached the creditors letter for which they have approved to remove the negative mark from my credit report on the XXXX XXXX account number ending in XXXX from XXXX of 2016. i have already submitted the letter to the bureaus as received. but they have not yet removed per creditors approval please make sure this update occurs thank you
Product: Mortgage

Since XXXX, I 've been attempting to get Ditech to correct my escrow charges to no avail. I have XXXX Ditech mortgages. Both loans had " lender-placed insurance '' which was canceled per Ditech 's own written correspondence on XXXX/XXXX/2016. However, I continue to be charged escrow for " insurance '' every month since then. ( My loans do NOT escrow for taxes or insurance. There were forced-placed insurance charges earlier in the year due to my condo association losing their coverage temporarily. ) I need my monthly payments to be adjusted to remove the escrow charges, as well as a refund for escrow payments already made. I have emailed Ditech numerous times ; I have spoken to countless representatives that keep reassuring me the escrow issue will be resolved shortly. I 've left several messages on the voicemails of supervisors ( including XXXX XXXX ) -- and have never received a call back. Over three months later, nothing has been resolved. 

I continue to make the full payments ( including the erroneous escrow charges ) to avoid late fees.
Product: Credit card or prepaid card

Citi XXXX notified me once again of a reduction of my credit limit due to a company review of my account. Their action brought my account now to within a maxed-out range with credit bureaus. Upon checking my credit reports I did not find anything negative to justify their actions. Therefore, their actions to unfairly reduce my credit limit has no basis to justify it and I deem it discriminative and predatory. Because of citi Bank action it will now have a direct negative effect on my credit ratings .The company has accessed my credit report with a credit fraud and freeze alert feature .Resulting as a hard inquiry on my report and they did so without my consent or knowledge. I have not once been late with a payment .. As a result of their discriminative and predatory actions and without prior notice to me. My credit score has now been negatively affected.. I respectfully ask your office to investigate this matter fully. Your office should go after company such as these for acting a predatory manner especially in the middle of a pandemic. Shame on them! 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX is reporting on my Transunion and XXXX credit reports. This account does not belong to me. I have tried several times sending in my FTC report. Please send to these companies ASAP this account does not belong to me!
Product: Debt collection

A repo order was sent out in XXXX and canceled in XXXX when I came current with the account with KIA Finance of America. The tow company they hired charged them alleged fees of {$1200.00} to search for the vehicle, which they did not find and repossess at that time. KIA therefore charged my account these fees without speaking with me and notifying me of said charges. I did not find out until I received an urgent notice that if I do not pay the fees to contact KIA on XX/XX/XXXX. They repossessed my vehicle 16 days after the noticed was signed, and an {$500.00} payment had just posted minutes prior. and by law I am allowed 20 days to become current. Unless that is not a XXXX  law, I will accept that on my part. When I called KIA to ask about these fees they told me it was the tow company and that I would have to ask them. When I called the tow company she told me they cant disclose that information to be because KIA is their customer, not me. When I spoke with KIA again they told me it was for mileage, which I never received an invoice or breakdown of said fees. I was also not notified of these fees via email, phone call, text or notification on my account on their website. They told me if I am in XXXX  they legally can not leave a message, but as for I am in XXXX  she admitted they could and did not leave me a voicemail. I receive emails about every other promotion KIA has, but I can not get an email that I have a new fee/charge on my account until a month has passed putting my vehicle up for repossession. If I was communicated with in ANY way about these charges immediately I could have taken proper action to make an arrangement to get those fees paid and avoid this situation. I was also threatened by the repo man. After I objected and told him I had a cardiology appointment I could not miss and was visibly crying, he told me he would call the police and have me arrested for a felony. He then blocked my vehicle in from backing out of the space I was in, so I could not move. He breached the peace by threatening me with the police. When legally the police can only keep the peace and they can not legally force me to hand over my vehicle. He lied, broke my peace, and entrapped me while I was on the phone with my mom, who is a witness, visibly crying and upset. He forced me to give him my keys because I believed him a feared he would call the police and they would arrest me. After I explained all of this the KIA Finance of America, all they would do is deferred my monthly payment and allowed me to simply dispute the charges, but they still stand. I still am without my vehicle that I believe was taken due to the extreme lack of communication from the company and the negative and un-peaceful way the vehicle was repossessed. I am now left without a vehicle to get to work to make money to pay these fees. I am willing to pay them and work out an arrangement if KIA will take responsibility of their own mistakes.
Product: Debt collection

Called my employer on XX/XX/XXXX, leaving a message with my manager stating they were an attorney trying to serve me papers. Today XX/XX/XXXX, they have called 6 times already, between XXXX XXXX and now. XXXX, XXXX, XXXX, XXXX, XXXX, and starting the day at XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. In previous months, I requested updating of inaccurate information which another credit reporting agency found to be inaccurate and had verified. Due to your lack of response, or responses which I classify as frivolous, you have dishonoured FCRA regulations and my request for verification. If you wish to correct this dishonour, I will give you one more chance to correct your errors and update my records. Please CORRECT the accounts, as they are already corrected from the other bureaus. You have 30 days to CORRECT these accounts listed below : XXXX XXXX XXXX XXXX .... Date Opened XX/XX/2019 Balance $ XXXXLate/Open Late dates XXXX, XXXX XXXX XXXX XXXX .... Date Opened XX/XX/2019 Balance XXXX XXXXLate/Open Late dates XXXX, XXXX XXXX XXXX XXXX .... Date Opened XX/XX/2019 Balance $ XXXXLate/Open Late dates XXXX, XXXX XXXX XXXX XXXX .... Date Opened XX/XX/2019 Balance XXXX XXXXLate/Closed Late dates XXXX
Product: Credit card or prepaid card

Amex suddenly closed my account without any reasons. I paid annual membership fee but they would not even refund it after they canceled my account. I need to know why they cancel my account, and whether they can reinstate my account. If not, please refund the annual membership fee I have paid.
Product: Checking or savings account

I opened an inherited IRA last year with Penfed and opted to place all funds from the IRA in a 7 year inherited IRA CD. The IRS requires that all funds are disbursed out the non spouse inherited ira within 10 years so I decided that I will begin taking disbursement on year 7 after the cd matures. I called penfed in response to a letter about ira tax withholdings I received from them. They said they are requiring me to take a distribution each year in equal payments for 10 years. I told them that I would like to wait a few years after my cd matures to take distribution. Apparently this is a penfed rule that was not explained nor written anywhere in my documents I received from them. And if thats their rules, thats fine but I should have been given some type of notice about it. I immediately requested to transfer funds to a different financial institution that will allow me to take funds out at anytime as long as the account is depleted by the 10th year per IRS guidelines. Penfed said that I would lose all interest if I transfer money out of the account before maturity but they can withdraw funds each year out of my account before maturity as a distribution. It was not explained to me that penfed could take funds out my account before maturity for distribution even though it is not required until the 10th year. They also said they will send me a letter explaining this but I should have received a letter about when opening the account. It is not my wishes to transfer to another financial institution but the deceptive practice of withdrawing money out my cd because of a penfed rule is extremely unfair and I shouldnt pay penalty fees. I will forfeit all interest earned in the CD if I transfer my money elsewhere because of their deception of not disclosing that they will withdraw money out my ira cd each year.
Product: Checking or savings account

I have a checking account with U.S. Bank and the overdraft option of this account is disabled since I opened it. On XX/XX/XXXX my account was all good with no overdraft payment I had couple pending charges which they were all covered, and they already been charged out of my available balance. Last time I brought an XXXXXXXX XXXX, and my dad helped me paying it by sending me a XXXX to cover its cost as soon as paid it the amount was taken out of my available balance and the transaction was on pending. So, at this point if my account did not have the enough amount of money Then I'm not able to purchase anything it should decline any charge because the overdraft of this account is disabled. My account after that had {$0.00} and I was expecting a deposit of {$620.00} from my friend it just got deposited on XX/XX/XXXX and when I logged into my account on XX/XX/XXXX instead of expecting {$620.00}, I saw {$350.00}, and I was shocked why my account has dropped this much! I also saw couple comments under multi transactions it says the account is overdraft after this and that transaction! I attached screen shots of the transactions. So, I called the bank I explained my situation and they figured out my overdraft is disabled, and they transferred me to their supervisor and the supervisor was explaining the charges and he was pushing that my account did not have enough money and the account was on overdraft status. I'd want to press charges on U.S. Bank for stealing my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my Equifax and XXXX. On XX/XX/2020 XXXX XXXX Account was open. Now I have been sending out multiply Disputes to the 2 Credit bureaus, explaining to them that this Account is fraudulent and I have no recollection of this account. My XXXX report is the only report that does not reflect that account. and had my updated info on that report. I will like to Remove the address XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX. That Address is associated with this Account. Never live there and want that address off my reports.
Product: Money transfer, virtual currency, or money service

T ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  sold my account to XXXX XXXX as a charge off account. According to 15USC-16802 obligation to disclosure of personal information ( creditors have to get permission to share your info with a third party ). I have never given my permission to have this shared with a third party.have requested both the 1099c and debt validation letter. I have disputed this account as well with the credit bureau and it comes back verified or updated. According to the Fair Credit Reporting Act ( FCRA ) and Code 15 U.S.C. 1681e ( b ), income that has been reported to the IRS via a 1099-C can not also be reported as a delinquent debt on a credit report. This is further supported by the ruling in XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. Attached is also the dispute filing that comes bank verified within 24hrs of filing a dispute how can it return so quickly its like it is an automated response to my dispute. I have also attached proof of certified mail sent to XXXX and I've gotten no response. 

Violations 15-USC-16802 15 -USC 1681 eb
Product: Consumer Loan

Santander auto financial had sent a letter from a lawyer at XXXX. My wife had called them to make arrangement for payment. She was told that if she paid XXXX dollars by XX/XX/2017, that she could make a payment on the first at just keep making payments until caught up. Well, today Friday XX/XX/2017, I XXXX XXXX XXXX XXXX was severed with a court summons to the fact that Santander is placing a judgement against us and in the court of XXXX, Wisconsin. When I called the corporation to talk about the matter, the person that took my call was very rude and empathetic to the fact that my wife was in a car accident and the fact that we have had to pay medical bills, her out of work and getting my car put back together. As a matter of fact, she said that I was lucky that I lived in the state of Wisconsin, because if not they would have already repossessed the vehicle. At this point she started becoming even more rude to the fact that she was talking down to me. I have a XXXX XXXX in XXXX and I told her that this is not the way to do business but of course being a big bank they can do what ever they want. I am a XXXX veteran, which is willing to work on this but the unforseen car accident put a strain on finances and this corporation does not care about anything but there money.