23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I had slightly more than {$1700.00} in my Bank of America account. 

I transferred {$1700.00} out of that account. 

After I put in the transfer, BofA withdrew an ADDITIONAL {$850.00} from my account ... and charged me overdraft fees! 

They said it was because a P2P deposit from my tenant ( on XXXX XXXX had " failed ''. But that " failed '' deposit had already cleared 3 weeks earlier! 

QUESTION FOR BANK REGULATORS : Can a bank or XXXX take money out of my account any time they want, even weeks after a transaction has cleared? If any transaction can be suddenly reversed *without warning*, how can consumers know for sure how much money they actually have?
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently disputed the personal loans account on my credit report, and I received the dispute result on XX/XX/XXXX. Unfortunately, despite my dispute, the account in question still remains on my credit report. I am concerned about the accuracy and impact of this account on my credit profile, and I am seeking further assistance to rectify this matter and ensure that my credit report accurately reflects my financial history.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the accounts I am concerned about : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Today I spoke with Equifax employee XXXX, XXXX and yesterday I spoke with Equifax employee XXXX, XXXX REGARDING SOLVING MY ONLINE ACCESS INABILITY TO FUNCTION, MY INABILITY TO GET WEEKLY MANDATED BUREAU REPORTS FROM XXXX XXXX  XXXX  XXXX, MY INABILITY TO DO A TELEPHONE DISPUTE TODAY, YESTERDAY OR ANYTIME.I HAVE SENT WITHIN THE LAST MONTH BEAUTIFUL COPIES FROM MY XXXX DOLLAR SCANNER/PRINTER OF MY CURRENT CALIFORNIA XXXX LICENSE AND AN 8 PAGE XXXX CALIFORNIA EDISON BILL AT MY PRIMARY RESIDENCE SHOWN ACCURATELY ON MY DRIVERS LICENSE. 
BOTH XXXX AND XXXX COULD NOT LOCATE THESE DOCUMENTS ( OR DID NOT HAVE ACCESS TO THEM ) AND PROCEEDED TO DO AUTHENTIFICATION QUESTIONS TO " ID ME AND PROTECT MY INFORMATION '' WHICH IS QUITE LAUGHABLE SINCE I AM A SEVERE VICTIM OF THE XXXX DATA BREACH ) MY INFORMATION HAS BEEN SOLD AND TRADED AMONGST CRIMINALS AND CONTINUES TO THIS VERY DAY ... NOT ONLY WERE CRIMINALS PROVIDED MY DRIVERS LICENSE, THEY WERE ALSO PROVIDED MY EMAIL ADDRESSES AND SECURED THE LOGIN INFO, SO THAT THEY HAVE ACCESS TO EVERY SINGLE BIT OF CONFIDENTIAL DATA ABOUT ME.BECAUSE OF THE SECURITY FREEZES I HAVE PLACED FAIRLY CONSTANTLY SINCE MID XXXX EQUIFAX PREVENTS ME FROM HANDLEING MY OWN CREDIT INFORMATION BUT WHAT I SUSPECT IS THEY ARE ACCOMPLISHING FURTHER COST SAVINGS TO THEMSELVES AT THE EXPENSE AND HARM TO THE PUBLIC.THEY DON'T WANT TO DO DISPUTES OR PROVIDE REPORTS BECAUSE THERE IS A COST TO EQUIFAX, IN OTHER WORDS EQUIFAX IS CORRUPT FROM THE TOP DOWN.THEIR CEO AND BOARD SHOULDN ; T BE RETIRED AND SENT HOME TO CLEAN THE GARAGE ... THEY DESERVE TO BE BUSY SWEEPING OUT THE ADJOINING CELLS OF THEIR FUTURE LIFETIME ROOMATES. 
EQUIFAX IS DESTROYING THE FINANCIAL LIVES OF MILLIONS OF AMERICANS AND XXXX THEIR POCKETS AS THEY DO IT. 
I WILL ATTEMPT TO PUT FORTH THE DISPUTES I NEED TO THAT I COULDN'T GET DONE. 
1.XXXX  XXXX/XXXX  XXXX ACCOUNT IS TO BE REMOVED BY THE CREDITOR, I RECEIVED A NOTE ONXX/XX/XXXX..IT WILL BE ATTACHED ALONG WITH MY LICENSE AND ELECTRIC BILL. 
2, XXXX  XXXX  CAR CARE/DISCOUNT TIRE CARD IS DUPLICATED ON THE EQUIFAX REPORT.I HAVE ALSO RECEIVED A NOTE SAYING THE ACCOUNT WILL BE REMOVED. 
4, XXXX  XXXX.FOR ORIGINAL CREDITOR SYNCHRONY HAS BOUGHT AN ACCOUNT TO COLLECT THAT HAS ALSO BEEN REMOVED OR WILL BE REMOVED FOR FRAUD. 
5.XXXX CALIFORNIA EDISON ACCOUNT SHOWS A XXXX DOLLAR BALANCE IN COLLECTION WHEN FACTUALLY IT IS A XXXX BALANCE AND HAS BEEN FOR A LENGTH OF TOME, MONTHS PLURAL..
Product: Mortgage

Mortgage was transferred to GreenTree servicing XX/XX/XXXX. We have had nothing but problems. 
1. Applied for loan modification under XXXX. They told us our mortgage/payments HAD TO BE CURRENT, and eventually only qualified us for a XXXX yr term. 
2. Called my employer ( School that I teach at ) and harassed me and disclosed our financial state with the school secretary numerous times. I was called/harassed at home numerous times even though we told them we filed Chapter XXXX. 
4. When I called to make payments, was told I had to use Speedpay and there was a {$12.00} fee. 
5. Often time, even now, I make my payments online and it takes them 2+ weeks to post them to our account. Often times, we are changed a late fee as a result. 
6. MOST IMPORTANT : We have NO CLUE what our balance is and what is going to principal or interest. We do n't get statements- they tell us we will not get statements since we filed Chapter XXXX although we did n't file it on our home/mortgage. 
7. WE ARE BEING CHARGED $ XXXX AS BANKRUPTCY FEE FROM GREENTREE. When I call and inquire ( numerous times ) they claim " We will look into and get back to you. '' THEY NEVER HAVE IN 2 YEARS. 
8. We had an overage in our impound account- Like {$4000.00}. When we asked to have that refunded to us, we were told numerous times " A check is on it 's way to you. '' We never got a refund. We were then told the overage was added back to our principal ( even though they will not give us a statement/ account summary of our balance so we could verify this. '' 3 months later, they sent us a bill because our impound account was short $ {$.00} 
9. We do n't know who our mortgage servicer is now- We have n't received a letter or statement in 3 months. We " heard '' on the news Greentree does n't exist and do n't know who to pay or call. 

We feel soo robbed, and ripped off. We are still being charged $ XXXX monthly for " bankruptcy fee. '' PLEASE HELP US!!!
Product: Mortgage

Thank you for contacting Navy Federal Credit Union. 
If you feel there have been violations with your mortgage loan, please submit a complaint to the CFPB. In the attached Word document, there is nothing specific disclosed that would need to be addressed. 

Thank you
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam, I am writing to formally lodge a complaint against Experian for their failure to properly investigate prior credit disputes related to charge-off items on my credit report. Despite submitting multiple disputes, Experian has failed to maintain the accuracy of my credit report under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer laws. 

The following accounts have been inaccurately reported as charge-offs, and I have previously disputed these items with Experian, but they were not properly investigated nor updated in accordance with the law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian 's failure to conduct a thorough and fair investigation into these disputes violates my rights under the FCRA, as they have not ensured the accuracy of my credit report. The failure to investigate these charge-offs properly means they are misleading and damaging my credit profile unjustifiably.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, OK XXXX, XXXX XXXX XXXX Balance : {$710.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$570.00}, XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00}, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card

I received a credit card that had XXXX listed as a benefit. I was told no such benefit exist when I tried to make a claim after a loss on a rental car.
Product: Student loan

I was given graduate loans from XX/XX/XXXX-XX/XX/XXXX for approximately {$160000.00}. Over this time approximately {$20000.00} worth of interest accrued on these loans. These loans were by manged by nelnet. 

After completing my graduate program, I was enrolled in a residency program for 2 years. I had done some research and understood that there is a 6 month grace period after which interest is capitalized. Deferment of loans would extend this grace period and thus interest would not be capitalized. Thus my game plan became to pay down as much of the accrued interest during my residency years so that after the deferment period was over there would be less interest to capitalize thus saving me money. 

I called up my various loan companies and reviewed the matter with them. My Health Professional loans simply told me that I needed to submit a form that I was in residency, have it approved by my program and the repayment status would be deferred until I finish my residency program. This process worked flawlessly with tem. 

However, the same is not true with nelnet. I called nelnet with the same request and spoke to many representatives and supervisors. Many didn't understand what a residency program is and sent me various forms. They sent deferment forms and when I filled it out told me it was the wrong form. I explained that my goal was to pay down as much of the interest before it capitalized, but they didn't understand. The interest capitalized and my game plan did not come through fruition. At one point one of the representatives put an administrative forbearance on my account as she thought I was complaining about not being able to make payments. This in turn triggered ANOTHER occurrence where the accrued interest capitalized. Overall I ended up owing more than should have been because I was not given the proper guidance by the nelnet team. 

After my residency program I worked hard to refinance these loans. I did refinance a large portion of my loans held by nelnet. I did not like the service or information I was given by them. They misled me in many ways, and did not take the time to fully understand the situation. records will show that I called them multiple times from XX/XX/XXXX-XX/XX/XXXX. I have emails of all the forms that they requested as were sent and then rejected by nelnet from the same period.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App XXXX 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 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: Debt collection

This debt collection has been on my report for quite some time now, going on 6 years and I dont believe its fair & it is illegal. I want it removed from all credit bureaus as a soon as possible if I guys can help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX has violated my rights. 

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 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Bank of America Account XXXX : XXXX There is inconsistencies with the closing dates and charge off dates being reported on my credit report. I have already sent a letter of verification to XXXX to verify/validate a debt/charge off on my credit report. They sent back a letter to say that everything is already verified. However, my credit report is still showing inaccuracies. U.S.C. Sec.1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is Inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries on my credit report that I did not authorize : XXXX via XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX contacted XXXX, TRANSUION, And XXXX FRAUD department to dispute And update my credit report for accuracy and fraudulent inquiries as i am a victim of identity theft I contacted them to dispute any closed accounts FRAUDULENT ACCOUNTS inaccurate information as well as complain to them about how Im not able to access my credit report to actually view it XXXX failed to make my credit report accessible to me as they are in violation according to the fair credit reporting act I also supplied my driver license Proof of address which is XXXX XXXX  XXXX XXXX XXXX  Texas XXXX and social security card and number to verify myself they still fail to assist me and protect my consumer rights and delete all reported fraudulent accounts Im now taking legal action to bring on a suit to recover for lost wages due to me taking off and emotional distress these consumer reporting agencies are already in violations with FTC I HAVE NOW filed suit THAT WILL will begin XX/XX/2022 these reporting agencies are not protecting my consumer rights
Product: Mortgage

my wife and i were pre approved for a conventional loan through 3rd federal savings and loan with a 5.84 % interest rate good through XX/XX/XXXX XXXX we signed our offer to purchase on XX/XX/XXXX. On XX/XX/XXXX we were told by 3rd federal our interest rate had gone up to 6.79 % When I asked, " why it was going up? ", I was told it was because we had to be pre approved again due to a previous contract being cancelled on another home purchase agreement. I was not informed at the time of cancellation that we would have to be pre approved again. The bank instead let us continue to look for homes, and sign a new agreement to purchase for the house we are currently under contract with, before letting us know we would have to be pre approved again, and our old interest rate would no longer be valid. This occurred nearly 2 full weeks after we had signed our new agreement.
Product: Checking or savings account

I was supposed to get a direct deposit in my Capital One account today XX/XX/year>. They have been having technical difficulties for a couple days. This a life inconvenience. I have never been with a financial institution that has hold/held my money when in a time of need... This is so horrible.
Product: Checking or savings account

This is in regard to my earlier complaint # XXXX. The company did send me an email but the issue has NOT been resolved. This is my email reply to the company 's letter dated XX/XX/XXXX : " Thank you for the response. I was able to open the savings account but I have not been able to fund it. I get an error when I try online and your customer service has been unable to help. The offer that I am trying to redeem is set to expire on XX/XX/XXXX and I have already lost over a month in time as I don't get the miles until 90 days after I have met all the requirements. Also, there was a message saying that I would get XXXX bonus miles for a {$10000.00} deposit as opposed to the XXXX bonus miles mentioned in the offer. When I called customer service about that, she said to just go ahead and fund it and I would get XXXX ( which I doubted ) so I tried but as I just said I can't. 

So after numerouscalls plus having to file a complaint with the CFPB, I am still unable to fulfill the terms of your offer which I have been diligentlytrying to do for over a month. 

I will not be satisfied until I see XXXX miles added to my AAdvantage card. Attached in the error I get when I try to fund. I will call again today and see if a personal banker is able to fund it for me. '' The rest of the info XX/XX/XXXX : Same day I called to see if I could get a banker to fund my account. She said I had to wait until I received my debit card in the mail ( not sure why I would get a debit card for a savings account ). She did give me my promo code which was nice ( # XXXX ) and confirmed that I would get XXXX miles with a {$10000.00} deposit. I asked for her supervisor to see if she could fund the account but she was not able to. She transferred me to another department that was supposed to be able to deal with the error code XXXX. Finally realized I could use my XXXX XXXX XXXX account to fund the Citibank account which is what Im trying now. I am waiting for trial deposits.
Product: Credit reporting or other personal consumer reports

Account name XXXX XXXX XXXX Account type Auto Loan Date opened XX/XX/2022 Original balance {$52000.00} To express my deep concern and frustration regarding the continued presence of a fraudulent & inaccurate information on my credit consumer report. These accounts were made without my consent or authorization and has caused significant harm to my financial reputation. Despite my persistent efforts to rectify the situation, including MULTIPLE disputes, filing a police report, and submitting an identity theft report, the fraudulent charges has not been removed from my consumer report.