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

I am filing this complaint against Bank of America , N.A . for failing to comply with a legally issued Writ of Garnishment in Case No. XXXX in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada. The bank has provided misleading information regarding the status of a bank account belonging to XXXX XXXX XXXX XXXX lawful debt collection efforts. This misrepresentation has delayed enforcement of a valid court order. 

On XX/XX/XXXX, Bank of America falsely stated in a notarized document that XXXX XXXX account was closed. However, on XX/XX/XXXX, a bank employee XXXX XXXX confirmed the account was still active and contained funds, directly contradicting the previous sworn statement and obstructing legal debt collection. 

The bank submitted multiple notarized documents with conflicting dates, showing improper documentation, raising concerns about fraudulent or deceptive practices. 

Bank of America remitted only {$830.00} from the account, withholding additional funds that should have been subject to garnishment, violating the courts directive. 

The bank misinformed the XXXX XXXX Constables Office that the account was closed, further delaying enforcement of the garnishment and obstructing lawful debt recovery.

Given these serious violations, I request an immediate investigation into Bank of Americas conduct. Specifically, I ask that : Bank of America be required to submit full financial records for XXXX XXXX accounts from XX/XX/XXXX, to XX/XX/XXXX. 

Ensure bank practices were not in violation of state and federal financial regulations. 

Ensure compliance with lawful subpoenas and court orders to prevent further obstruction of legal debt collection. 

Hold Bank of America liable for the full amount due under the Writ of Garnishment, given that misrepresentation of account status constitutes fraudulent interference with court-ordered collection. 

This complaint highlights serious legal and ethical breaches by Bank of America, resulting in financial harm to the judgment creditor and undermining trust in the financial systems compliance with judicial orders.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this information as inaccurate account status on 4 separate occasions directly with the Experian and XXXX credit bureaus. Each time the investigation returned with account status unchanged based on reason that information is verified as accurate. 

Creditor Wisconsin Housing & Economic Development Authority FHA Mortgage {$110000.00} and Conventional Mortgage {$3500.00} The creditor and the credit bureau both incorrectly report these accounts as 1 ) closed and 2 ) discharged in bankruptcy and 3 ) delinquent payment history from XX/XX/XXXX to present. 

In XX/XX/XXXX I obtained an approved federal forebearance on my mortgage loans with WHEDA this forebearance is still in effect until at least XX/XX/XXXX. 

Please remove the inaccuracies from my credit files. The accounts are not closed accounts but are open in deferred payment status. 

Thank you.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I was tricked into using XXXX to send money. I received a text form XXXX saying there was a problem with my transaction of XXXX dollars which is the same amount of money as two items I had purchased and was trying to return. I called them to sort it out and they had me download an app called XXXX, and then told me I had to make the transactions ( but that the money wouldn't go out ) to make sure my account was working properly and my charges could be approved. They took a total of XXXX from my PNC checking account. As soon as I saw my checking account was empty I realized it was a scam. I immediately called PNC to report the fraud. They said they aren't liable because it was XXXX. Everything I have read about the EFTA Act Regulation E says this should fall under the same fraud coverage. I've filed fraud claims for all four transactions with XXXX as well. These are the 4 transactions. All took place on XX/XX/XXXX. PNCXXXX = XXXX, PNC*** XXXX XXXX, PNC*** = XXXX, PNC*** = XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am trying to move and this XXXX  that's inaccurate is reporting on my consumer reports. 

This is investigation did not fix the error on my report when I disputed it about XXXX times. It just keep getting updated which is a violation. With the damages on my credit report, according 15 USC 16981 there should not be anything damaging on my credit report. Which makes this a defamation of my character. 

I haven't been granted a proper investigation with the credit bureaus because I explained my situation and how the creditor is and continues to violate my consumer rights. But the credit bureaus to ignore my rights.
Product: Payday loan, title loan, personal loan, or advance loan

In the 2023 I had late payments, because I was unemployed and my phone was broken I had no way to make payments.
Product: Credit reporting or other personal consumer reports

I have multiple inquiries from capital one on my credit report
Product: Debt collection

I recently viewed my credit report and noticed a capital one account that was not mine. I contacted the creditors explaining that I am a victim of identity theft. I am for certain that the alleged debt did not belong me. They responded via mail stating that they had completed the investigation and the items were not deleted, as requested. I reached back out to them requesting the following ; copies of the original contract with my signature, copies of any papers that I agreed to pay what you say I owe, and explain what bounds me to them.Also, what kind of business dealing have I done with them? By law, everything on my credit report must be accurate, verifiable, and reporting a timely. If not, information must be removed from my credit report. Unfortunately, the problem was not resolved and they have yet to to provide signed documents with my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts and they have already been removed on the other bureaus. please remove them immediately.
Product: Debt collection

Harassment over a debt that should not have been sent by Medical institution, would not let me speak without talking over me, interrupted, was told i was a liar, generally abusive language, refused to even speak to me until i verified DOB and address. I Called medical institution and verified it should not have been sent and should have already been recalled, these people at AR Resources are incredibly rude and use filthy language and tactics. Refused to listen to me unless i paid the full amount. im concerned they will XXXX my credit before the hospital reaches out to resolve this with them. located in PA, also called me from XXXX on XX/XX/XXXX at XXXX claiming they had no information on me at that time, when called today they claimed they had me on file as of the XXXX, so they lied to put me in a bad position.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Date of Birth : XX/XX/XXXX SSN : XXXX Date : XX/XX/XXXX Experian Information Solutions Inc . 
po box XXXX XXXX, TX XXXX XXXX : XXXX Dear Sir/Madam : Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : Incorrect Name ( s ) : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Incorrect Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. XXXX XXXX XXXX XXXX XXXX, TX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX Incorrect Employer : XXXX XXXX XXXX XXXXI Date Updated : XX/XX/XXXX SELF EMPLOYED Date Updated : XX/XX/XXXX Correct Information to Be Reported : Full Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Employer : XXXX XXXX XXXX XXXXXXXX XXXX XXXX 

I have attached a copy of my government-issued identification and a utility bill to substantiate the accuracy of my correct personal information. This documentation should help expedite the verification and correction of the information in my report. 

Additionally, I believe that these informational errors may be affecting my credit score and could potentially result in unjust credit denials or misrepresentations of my identity, with the risk of associating me with fraudulent activities.

Request for Investigation and Procedures Pursuant to Section 611 ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ), I request a detailed summary of the procedures used to verify the accuracy of the information on my report. This summary should include all steps taken during the reinvestigation.

Additional Request Please note that any automated response generated through the e-OSCAR system will be considered insufficient to resolve this dispute. I demand a thorough manual investigation and a personalized response addressing each of the points raised, in full compliance with applicable legal requirements.

I also request that all phone numbers listed on my credit report be removed, as I have been a victim of unsolicited robocalls. Additionally, I would appreciate confirmation of receipt of this dispute and periodic updates on the status of the correction, using the mailing address provided above.

Request for Correction I request that you promptly correct this information, as these errors can harm my credit history and misrepresent my identity. Pursuant to Section 611 of the FCRA, I request the removal of any inaccurate or negative information from my credit report, and I expect to receive an updated report reflecting these corrections within 30 days, as required by law.

Thank you for your attention to this matter. I look forward to your prompt response. 

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

CAC FINANIAL CORP ( opened XXXX. XXXX, 2020 ) did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Product: Student loan

Before I consolidated my student loans with a parent plus loan, I spoke with XXXX at length about it and I was told that my payments made would still count towards discharge and would remain the same. Discharge in 25 years. They gave me credit for those months and continuously reported it as such. 

However, when AidVantage took over they changed it and took away those credit years showing now I owe another 18 years. I complained and they refuse to change it back. I filed a complaint with Student Aid and they just referred it back to AidVantage and it won't change. 

So, now I'm trying to file a complaint with CFPB to see if I can get this addressed and taken care of. I'm almost XXXX XXXX XXXX. The massive interest on the student loan has grown and it will never be discharged in my lifetime if I don't have credit for the years as stated by XXXX. If I get credit for those years, I will be close to discharge.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had late payments on an account that I in fact paid on time. I also requested the original signed contract and a itemized bill and I was not provided that information the consumer reporting agencies are required to report all information with complete accuracy I am now requesting you to investigate and show verifiable proof with records that show ive had late payments and if I owe this company if this information cant be verified Im demanding you to take this information off my credit report as closed thank you for your understanding and prompt actions
Product: Credit reporting or other personal consumer reports

This is totally unacceptable. Does this agency do anything. Respectfully, seriously? I contacted CBPB two times and made complaints. So, two claims regarding this issue. I was denied insurance late last year, based on a report provided by lexus nexus and simply wanted t the report that they provided multiple insurance companies. This was roughly XXXX or early XXXX XXXX when i contacted lexis on my won prior to contacting CFPB, Lexus gave me the run around, claiming they could not verify my idenity. Just look and the other complaints to see the details. i was contacted for both complaints by nexus lexus and promised on both occassions that they resolved whatever idenity issue they had and my reports would be sent. I was comtacted by phone by their representative XXXX on the last occasion and Given case number XXXX amd told.for the second time, that i would recieve my report. She noted that all issues had been resolved for the secomd time It has been two weeks and no report was recieved. THIS IS THE SECOND TIME!!!! This company LEXUS nexus has been doing this for months. First they cant verify my idenity then they say they will send it but dont. Seriously?? Can i get some help here please? Does The CFPB have any enforcement or ability to resolve anything and make this company comply? Just curious if i should contact DOGE.
Product: Debt collection

I am getting robo calls at my business attempting to collect on XXXX telephone services which were changed from business to personal in 2014. The robo calls have a recorded message. It is coming from Southwest Credit Systems and they specifically ask for me. This is a business and I previously have advised them they are not to call the business number and not to robo call either as I do not appreciate being asked to hold for a real person. And incidentally, I still have uverse personally and have complained to the credit bureau without results. I also continue to get calls from XXXX XXXX XXXX asking me to switch the telephone over to XXXX. So apparently they are not trying to collect these charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote and had notarized a signed letter and sent it via certified mail through the USPS to Experian. The letter was received by Experian on XX/XX/2019. 
The letter requested the physical verification of creditors and the information be sent to me of their legal ability to collect a debt and/or physical proof sent to me verifying these debts so that they may be removed from my credit report or remain listed. None of these unverifiable accounts were deleted and remain on my credit report. After further review, there are a total of 2 accounts now listed on my credit report that can not be verified as belonging to me.

The letter also requested incorrect addresses be deleted, the requested revisions were performed but on further review I have now found one more incorrect addresses that needs to be deleted. 
The letter also requested verification of several hard inquiries and the physical proof of applying for credit be sent to me. I have not received verification of application for credit nor have I seen these unauthorized inquiries deleted off my credit report pursuant to section 604 of the FCRA. 
The letter also requested my personal information cease being sold to marketers by placing a Promotional Suppression on my personal information. I have not received written notice that they are in compliance with my request. 
To date I have not received physical validation of a debt or application of credit from the credit bureau pursuant to the FCRA. Experian, did however email me a link to view my updated credit report with some of the wrong addresses being removed as well as a physical copy of my report dated XX/XX/19.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to open a new cell phone account with XXXX, however, I have a security freeze on my credit report with Equifax. To prove my identity they required that I provide them with the last date that I made a change to my security freeze. I have no idea if I have ever made a change to my security freeze with Equifax. I believe that I did so once with XXXX. But even if I had done, I would never know the date. I believe that they are requiring information to identify me that I would never know in order to discourage me from having a security freeze on my account. This should be illegal. Secure identification is necessary, knowing the date of the last time that i made a change to my security freeze at Equifax is not a data that anyone would know, or even know that it was important to notate and save. In my discussions with them, they claimed that the question was random, but I tried to unlock my credit report 3x and each time I had the same three questions. Equifax is a scam.
Product: Credit reporting

This debt has been on my credit profile for some time. I have filed bankruptcy and this was an added debt, but it has not been removed. I have contacted the company to let them know I did not visit the hospital or receive any type of XXXX XXXX for the dates stated. They have not removed this from my credit profile. It has been reported on both Equifax and XXXX reports. Equifax still has it listed, but XXXX does not.
Product: Credit reporting

XXXX I ordered a credit report from XXXX XXXX for my review and to improve my score. 

XXXX Customer service representative from XXXX stated I need to call XXXX ( Experian ). They could not process my order because of a discrepancy only Experian could tell me. Basically I could not retrieve my credit report, and the pending fund withdrawal would not be token from my account. 

After calling Experian several times trying to resolve this issue I was only prompted to either purchase a report by credit card or check. They did not give me an option by phone or web to talk or chat with any regarding the retrieval of my credit report. 

I would like to resolve this issue, it is very important to me and anyone else who is going through this. 

XXXX XXXX XXXX XXXX # XXXX, XXXX : XXXX : XXXX
Product: Checking or savings account

I just hung up with a representative at Citibank as I was trying to find out if my social security check was pending. I specifically called before transferring my direct deposit from my credit union to Citibank for the earlier pay option which I was told that if the deposit is pending, the funds were released. I asked who was the governing regulator for Citibank during the call and was told " The Federal '' and nothing else. I then said the The Federal Reserve?, to the rep and she responded yes. This has been nothing but XXXX abrasive communication whenever speaking with Citibank and the calls are never polite and helpful. I am filing a complaint against Citibank as my equal credit opportunity rights have been repeatedly violated. This bank appears to be doing any and everything to cause XXXX customers choosing to close their account without verbally out right saying it. I noticed the sudden concern when I mentioned the CFPB. I was hoping for fair treatment but never happened. Another race who is XXXX that's my neighbor close by said they honor the deposit if the payout has presented the funds from a reliable resource such as government funds. I was told under no circumstance I have to wait until the day of check instead.
Product: Debt collection

This is not correct information, I gave enough notice and paid in full prior to moving out.
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax reporting agency reports to my creditors that I have not been paying my bills on time. they have no dates listed which makes it worst for my credit. they even say everything is paid on time, but they left 3 accounts on the negative list even as they say they are paid on time. I have asked them 2 times to correct this with no luck. This has caused my credit to fall to the low XXXX score and cost me thousands of dollars over the last 3years. I have paid my bills on time for many years, paid off over 25,000 dollars in the last 6 months, but still suffer the effects of bad credit everyday due to their mistakes. 
bottom line is I am stuck in a rut because they make no profit from correcting mistakes. .Thank you XXXX XXXX .
Product: Credit card

O recently was given a {$300.00} credit increase for paying on time and being responsible with my credit. 
I made XXXX payments on this card in XXXX and then another on XX/XX/XXXX which was significantly higher than the minimum due on XX/XX/XXXX. 
I received a notice that my account was past due so I pulled up my account through the Continental Finance XXXX and noticed a {$45.00} fee for the increase which they charge XXXX XXXX which is not very ethical as it only shows that in very small print on the bottom of your statement so I can not dispute that but think it is a very underhanded way to do business. 

When I called to find out why I was charged a late feel as well as was reported to credit bureau for being late, I was told that there was no way to get the late fee reversed nor would they correct the inaccurate late payment reported to the credit bureaus. 

I made the XXXX payments in XXXX and the next payment on XX/XX/XXXX that was not due until the XXXX. I thought that was a good thing but CF explained that their billing cycle for XXXX closed on XX/XX/XXXX and since I made my payment on XXXX, they applied it the XXXX billing cycle so they are harassing me with late fees and notifications even after I spoke with them about my intent to file this complaint and the rep said she would notate the account. In less than XXXX hours, I have received a text about this payment being late, an email and phone call. 

Lastly, I am on XXXX XXXX currently but I have credit protection on XXXX of my XXXX cards issued by them so they will not consider that for fees on this card.
Product: Credit reporting or other personal consumer reports

Complaint Description : XXXX has been inaccurately reporting a closed and charged-off XXXX XXXX  XXXX XXXX  account as active and over the limit. This incorrect reporting has triggered alerts from multiple financial institutions, negatively impacting my credit profile and financial standing. 

Despite submitting two previous disputes to XXXX, the issue remains unresolved. The first dispute was submitted on [ date of first dispute ], followed by a second attempt on [ date of second dispute ]. XXXX has failed to correct the reporting, despite being provided with supporting documentation indicating that the account was closed and charged off. 

As a result of Experians continued inaccurate reporting, I have experienced significant financial inconvenience, including declined credit applications and higher interest rates due to the erroneous over-limit status being reflected on my credit file. 

I am requesting immediate action from XXXX to investigate and correct this reporting error in compliance with the Fair Credit Reporting Act ( FCRA ). If XXXX does not resolve this issue promptly, I intend to escalate my complaint further with appropriate regulatory authorities. 

The inaccurate reporting must be corrected to reflect the true status of the account as closed and charged off.
Product: Credit reporting or other personal consumer reports

I requested supporting documents that verify the account ( s ) were mines or hadn't been opened fraudulently.
Product: Debt collection

I paid a debt of {$44.00} in XXXX and it wasnt reported to the original creditor