23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have contacted XXXX XXXX XXXX multiple times and advised them that this debt is not mine. They have insisted it is mine, refused to supply any documentation to prove it is mine and have since sold it to a collection agency Midland Credit Management. They constantly call and send me letters attempting to collect on this debt that is not mine.
Product: Credit card or prepaid card

Problem with Wayfair store credit card, issued by Comenity Bank. This credit card was paid off in full and the card was closed by the creditor as a direct result of them ending their business relationship with each other. I have tried for two years and countless times to get my refund of a mattress that was returned in XXXX of XXXX. The returned item and the refund was approved by Wayfair in XXXX of XXXX. After several phone calls and email correspondence with Wayfair I was told that Wayfair sent the refund check directly to Comenity Bank in the amount of {$210.00} on XX/XX/XXXX of XXXX. I was told to contact Comenity Bank directly to get them to issue a refund check to me. I called Comenity Bank once again and spoke to a supervisor. The supervisor said my account balance is XXXX dollars and they show no credit on the closed account. I have proof of the correspondence with Wayfair and I am attaching it to this complaint. Out of good faith I paid off the Comenity Bank credit card in full despite the refund still owed to me. The original Wayfair order number associated with this matter is order # XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I have paid this account In full and they wont update the balance with Experian. They already have with XXXX. I need this updated or removed from my report
Product: Checking or savings account

In XX/XX/2017, I had just returned to school from XXXX break and I received an email saying my account had unusual activity. When I checked the account, someone had hacked my acc and uploaded fraudulent checks. I immediately contact Bank of America and informed them. They begin to accuse me and closed my account. The representative was really nasty when I informed him that I did not do this nor did I attempt to spend anything from these fraudulent transactions. I asked them to investigate this before closing my account because I did not want thi to affect my credit going forward, however they didnt. From my understanding when I was speaking to the representative he told me the account would be closed.
Product: Payday loan, title loan, or personal loan

I set up autopayment prior to XX/XX/22 but after XX/XX/22, and I am sure I checked the box that said " minimum payment due '' thinking that would be the minimum payment listed on the statement. Wells Fargo is claiming I selected " Last Statement Balance '' ; which does not make any sense- why would I payoff a 0 % loan if I can make minimum payments ( {$190.00} a month ) over the next couple years. 

Because XX/XX/22 ( the due date ) was a Saturday, the full balance {$8100.00} was debited from my checking non-Wells Fargo account on Monday XX/XX/22. I called Wells Fargo that day to ask why they debited the full amount. On that call they told me it was because I selected pay-in-full which I disputed. Here is what I think is going on : this 0 % loan was for a furnace I had installed a few years ago ( financing program through XXXX via Wells Fargo as the issuer ). I was told it was structured like an installment loan from the furnace company but in reality it is a credit card so I think my minimum payment due selection triggered in their system the last statement balance just like you can set up on real credit cards. 

On that same call I was told I had to select " Other Amount '' to pay the minimum payment... how does that make sense? The statement is saying minimum payment due and the automatic payment option says minimum payment due. Something on a large scale systems basis is making this error, in my opinion. The person at Wells Fargo said they would have to receive the payment then turn around and make the payment back to my checking account. They also said it make take up to 10 business days. Knowing the XXXX is a Federal Holiday and the banks are closed I asked if XX/XX/22 or XX/XX/22 would be enough time and he said to call back XX/XX/22 for an update. 

On a call XXXX or XX/XX/22 I was told the refund was in a queue as of XX/XX/22 but not processed and that it could be 11 business days from XX/XX/22 ( not 10 business days like I was told ). I called back on XX/XX/22 because I still had not been refunded the {$7900.00} ( the {$8100.00} minus the minimum payment of {$190.00} ). They said it could be 14 business days so call back by the end of the week. 

I called back today XX/XX/22 ( the 14th business day ) because there are still no funds ( not in my non-Wells Fargo checking account nor in the balance showing up on the loan ). They said I should have called back tomorrow but that they would have advised me to do a stop payment at the originating bank back on XX/XX/22 so you didn't have to do the back and forth. They also told they don't know why the refund has not occurred yet and couldn't give me a timeline on when it would be processed because they are so backed up right now. They also said they wished they would just delete the pay in full button ( which isn't a button- they must have thought " Last Statement Balance '' ) because they get flooded with these types of calls. 

At this point I am at a loss. They can not tell me a timeline, they know it is a problem not just with me but with many people, and depending on who you get the process/advice is different.
Product: Mortgage

In XXXX, BOA deducted more from my mortgage payment and stated that I was late with my lease payments. I called BOA at that time and was informed that XXXX XXXX XXXX notified them that I was late. I contacted XXXX XXXX XXXX and they said that they did not notify BOA. Later, the problem was solved in my favor and I continued to pay my lease payments from my own checking account. BOA lied and this is harassment, this is defamatory. This year the same thing happened. I was given the round when I called BOA and again they lied and said that XXXX XXXX XXXX notified them that I was late with my lease payments. I got a letter, signed today from XXXX XXXX XXXX saying that they did not do this. And, that I was not late with my lease payments. It was agreed that I will make my lease payments by checks as of this date. On XXXX XXXX, BOA made my lease payment to XXXX XXXX XXXX without my approval. I later sent BOA this payment amount, but was told on XXXX XXXX, XXXX that this lease payment of {$760.00} was applied to my principal, but will be changed to my lease payment. I was given the run-around again, and again. BOA said that they will be making my lease payments without my approval. Again, on XXXX XXXX, XXXX I called Customer Service in the afternoon because my mortgage payment did not clear my bank. I was told to hold off, past 5 days and if they receive my check they will correct the problem. Sorry, BOA lied before and I do not have faith with them. No, I do not trust them to make my lease payments. I was reading that BOA is famous about this kind of stuff, they give people a hard time, give them the run-around. They know what they are doing is wrong, but they are going to do it anyway. I have made my lease payments on time and I would like to continue to do so. It is wrong for BOA to do this to me! Lie, Lie, Lie!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX acct # XXXX ( {$2500.00} ) XXXX XXXX XXXX acct # XXXX ( {$6000.00} ) XXXX XXXX XXXX acct # XXXX ( {$25000.00} ) XXXX XXXX XXXX XXXX acct # XXXX ( {$3000.00} ) XXXX XXXX XXXX XXXX acct # XXXX ( {$240.00} ) XXXX XXXX acct # XXXX ( {$300.00} ) XXXX XXXX acct # XXXX ( XXXX ) XXXX XXXX XXXX acct # XXXX {$860.00} XXXX XXXX XXXX  XXXX acct # XXXX ( {$530.00} ) XXXX  XXXX XXXX acct # XXXX ( {$470.00} ) The above account were created without my knowledge
Product: Credit reporting, credit repair services, or other personal consumer reports

The home located at XXXX XXXX  XXXX XXXX XXXX AZ XXXX, was sold on XX/XX/2021 and the loan balance was paid in full to the mortgage originator XXXX XXXX ( Acct # XXXX ). Deed of release and reconveyance and paid in full letter attached. 

Somehow, the mortgage got transferred to XXXX XXXX  after the sale of the home and XXXX XXXX  has been reporting this account as delinquent ( 120 days past due ). I filed a credit review request with XXXX XXXX  and they sent me the attached letter saying that they can not update my credit report. I have contacted Experian and they say that XXXX XXXX has to report the correction even though I have submitted the documentation showing account closure. 

The mortgage was a joint account ( XXXX XXXX XXXX XXXX XXXX ). Experian removed the account my ( XXXX XXXX ) credit report, but has not removed it from my wife 's ( XXXX XXXX ) credit report.
Product: Checking or savings account

I 'm a client. Of suntrust bank and onXX/XX/XXXX they put a hold on my accounts so that I could n't withdraw or use my money. I had made some wire transfers to a person in XXXX and all of a sudden my government monies are in the account but suntrust keeps saying its fraudulent money and its not. They keep liing about when or if I 'm going to get my money. I call every weekday and have went in person some. The bank branch managers have been very unprofessional and making threats saying I 'm going to be arrested and put in jail and that I do n't deserve my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Certified mail was sent to TRANSUNION, And XXXX last year on XX/XX/2021, and also multiple times throughout the year of 2021. I obtained my credit report from Transunion, and XXXX and there were U.S. Bankrupcty Court listed. For the FCRA 623 ( a ) ( 5 ) : If Transunion, or XXXX can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said Information from consumer credit file. 
Ive requested the companies Transunion, And XXXX to validate the public Bankruptcy reporting on my credit reports. In response to my letter the companies mentioned to have verified the bankruptcy through the United States Bankruptcy Court. In which I decided to contact the United States Bankruptcy court, in writing asking them to verify that, theyre the ones sharing the public information with credit BUREAUs TransUnion and XXXX. In response to my letter, The county Recorder of Deeds and Bankrupcty Courts have both mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, and/or other third parties providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U.S. Court system due to Fair Credit Reporting Agency PRIVACY LAW. 
Transunion An Executive ( XXXX XXXX ) XXXX Worker are refusing to investigate this issue. Delete the public record, and update credit report.
Product: Credit reporting or other personal consumer reports

I had XXXX credit cards with this bank. Both accounts have been charged off. Upon checking my credit report, I've noticed that my consumer rights have been violated. I contacted the bank directly in writing asking that 1 ) the balance be corrected to {$0.00} to comply with the FCRA to which no response was provided. The account debt was charged off in XX/XX/XXXX, as such not further reporting should be initiated per the FCRA and IRS 1099c guidelines. I also contacted the bank and requested the 1099c form to comply with the IRS requirements as the company will receive a tax write off for the bad debt and per the 1099c guidelines event code 7, the debt is deemed uncollectable as of the charge off date of XX/XX/XXXX. The bank is actively and intentionally violating my consumer rights by continuing to report the account as Charged Off each month for the last 12 months after the charge off date of XX/XX/XXXX, which is inaccurate, thus reaging the account impacting my overall credit file and score. I have disputed this account with the major credit reporting agencies only to have the debt returned as verified, which based on consumer credit law is inaccurate. Additionally, the account is being reported as having a past due balance which is legally impossible per the FCRA. A charged off account can not have a balance due or past due balance.
Product: Payday loan, title loan, personal loan, or advance loan

In XX/XX/scrub>XXXX XXXX I was experiencing a financial hardship due to slow payments from my customers. As a result, I informed Navy Federal Credit Union of my inability to pay at my appointed time. We agreed on a payment date on XX/XX/year> and the regular payment will resume on XX/XX/XXXXXXXX XXXX XXXX. At that time, I even authorized payment for the ach payment. Subsequently, Navy Federal began to report the account as being delinquent. It is because of that a loan I was expecting to get was denied.
Product: Money transfer, virtual currency, or money service

ATTENTION FRAUD DEPARTMENT Bank of America fraudulent XXXX transactions I recently had 3 fraudulent XXXX Transactions back to back within minutes of each other from my business checking account on XX/XX/2019. I noticed it right away. I called the BOA fraud department when I noticed the first transaction. While I was on hold I see 2 more transactions happen. I was on hold at XXXX and was disconnected at XXXX when the fraud center closed I called immediately the next day to report the again WHILE THEY WERE STILL PENDING. This time I was able to create a case. I explained to the woman that I did not make these charges. She told me they came from my IP address which was impossible because the computer is not in my or anyone possession at the time of the transactions. The woman assured me I would be refunded. 

I felt the claim was taking a while to resolve. So, 1 called every Monday for a month checking on my case. On the 5th call 5 weeks later they informed me they denied the claim! I was not notified of the denial. 

They suggest I Prove it wasn't me and reopen the case. I asked how do I prove it. I called while the transactions were pending! 

So I attached the print out of the DOOR opening IN and OUT from my alarm system company showing we were not in the store at around XXXX when these transactions took place. The last door closed around XXXX on XX/XX/XXXX when the transactions took place. 

I also informed them I had my information compromised on XXXX, XXXX and many other accounts and reported it to the FTC. 

I resumed calling weekly to check. This time they suggest I go to XXXX to have them prove my computer was compromised. I did ... .XXXX said they have no was of proving it was my ip address on XX/XX/XXXX since ip addresses change. So if they change how can boa confirm it was my computer?! 

I have lost so much money that I most likely wont get refunded. If this had happened on a credit card it would have been resolved in a day.
Product: Credit reporting or other personal consumer reports

Trans Union has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed this I have a charge off and I keep disputing the amounts, the transactions and the validation of the debt they just keep coming back with no changes on my credit without showing evidence or a true investigation its a XXXX  account so the credit bureaus work with them so those debts never get properly investigated I have disputed this 5 times and still no action come back with the same information they investigated but really no investigation occurred how do they know these charges are valid what proof do they have I actually charged on this card is XXXX Credit Card all the credit bureaus work with them so they dont really investigate this information
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX  XXXX # XXXX - DATE OPENED XX/XX/XXXX - BALANCE {$3700.00} Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX - BALANCE {$6200.00} Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XXXX BALANCE {$7200.00} Unauthorized Inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

I strongly feel that my mortgage is consider to be " underwater ''. I have been min iiinn my in my home for 22yrs now. When I first purchased my home it listed for {$78000.00}. I just got approved for a balloon loan modification through the HAMP program. This loan was modified with a new principal balance of {$120000.00} with a 2 % interest rate for 20yrs and at the end of the 20yr loan period I will owe a remaining balance of {$55000.00} that will be due in XX/XX/XXXX. I am complainting because I do not know why I still owe this large this large amount of money on my home after 22 years of payments. I want to know where has all my money gone in the last 22 years because I feel like I am starting all over with this new balloon loan modification and no one seems to have the answers to my questions. In fact, I should just about be finish paying for this single family home in 8 more years. I first brought this home XX/XX/XXXX. Please help me understand my total situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft fraud. A non-close family member used my information to open up credit accounts when I was younger. Upon Checking my credit reports this year, I come to find out that those open accounts were charged off and never paid by the thief. These accounts are now hurting my credit score and hurting me financially to start up my future. The following accounts were the ones affected by identity theft. 

XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX All of these accounts were not open by me and are still on my report. 

I have attached the FTC identity theft report
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE SEE ATTACHED
Product: Checking or savings account

my brother XXXX XXXX on XX/XX/XXXX. He had an account with Bank of America with me as POD.On XX/XX/XXXX I went to a BOA branch with my brothers XXXX certificate and personal ID, they copied the XXXX certificate and wrote down my information and told me my request had to be reviewed by their Estate Unit. They sent me a " beneficiary letter of instruction '' to fill out and requested a copy of the XXXX certificate, which they already had. I faxed the requested paperwork on XX/XX/XXXX. On XX/XX/XXXX I called them to find out what was taking so long. The worker told me they received my Paperwork on XX/XX/XXXX, I do n't know where it was for the three weeks from when I faxed it. She told me that I should receive something in 7 to 10 days. On XX/XX/XXXX I again called asking what was going on. This worker told me the Estate Unit was overwhelmed by work and way behind. She told me she entered me into the system and again I was told I would get something in 7 to 10 days. I asked if something meant my funds, she said yes. My complaint is why does Bank of America have an Estate Unit that slows down the process of getting beneficiaries their monies? We have expenses to take care of, and the XXXX of a loved one is enough stress. Is there money being made by locking who knows how many XXXX of dollars in low interest accounts while they have it invested at a higher rate. My brother 's biggest mistake was setting this account up with BOA as they obviously do n't comprehend that Payable on XXXX means that. This should have taken a week at the most, I 'm now looking at more than 8 weeks since I first walked into their branch. CFPB should be looking into this process in its entirety not individual complaints.
Product: Checking or savings account

A checking account was opened from Truist on XX/XX/2023 with promotional code XXXX. The terms of the promotional code is to make two qualifying deposits totaling {$1000.00} or more within 90 days to earn {$400.00} bonus. The {$400.00} bonus will be posted within 4 weeks after requirements are met. 

I finished the two qualifying deposits on XX/XX/2023 but no {$400.00} bonus after 4 weeks. I called Truist on XX/XX/XXXX and was told a promotion tender research form will be submitted for further investigation. I made follow up call on XX/XX/XXXX and there is no progression.
Product: Debt collection

XXXX was paid in full at least 5 years ago. It was my understanding that the account had been closed. Now I am being billed by a debt collector for overdue charges on what? I do n't even have the credit card nor have used it for the past 5 years.
Product: Credit reporting or other personal consumer reports

Hi, My name is XXXX XXXX. XXXX/XXXX/201. Last XXXX digits of my social is XXXX. A collection through Porfolio Recovery has been reporting on my credit report since XX/XX/year>. I have no knowledge of the account. I dont even have the account number to give to do a proper investigation on my own.
Product: Money transfer, virtual currency, or money service

Last XX/XX/XXXX I send money using Western Union to my receiver which is in XXXX. It said that my receiver will receive my money on XX/XX/XXXX but it is now XX/XX/XXXX and when I tried to track my money, the service is unavailable.