23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

There is no way for me to provide update to the CFPB on existing files. So I had to create another complaint to update the CFPB on our continue dealing with Bank of America. 

After filling the first complaint, some from BOA regulatory department called me and promised to keep me update on his filling. That was XXXX to XXXX weeks ago and I have not heard from him since our first call. 

He did tell me that XXXX DID NOT provide BOA the required documentation to support their claim. He had the bank would be forced to take the issue to arbitration and that would cost BOA money. 

Now we have been keeping count. We have spoken to XXXX BOA employees over the past XXXX  months to either alert them on our dispute with XXXX or at least XXXX of them telling us a different story every time we called in for this one issue. 

Now my last call was with a Supervisor. She was very helpful but her solution is unacceptable. XXXX stated, BOA can only go back XXXX days. Our claim is for XXXX and they only want to give us about {$4000.00}. As I told the Supervisor, we have been complaining about XXXX with BOA since XX/XX/2024. And we know for a fact, we disputed the XXXX charges from XXXX. 

Our company is struggling because of this issue and other forces. If this issues is not resolved extremely soon, we may have to close our doors. We are a XXXX XXXX  and we can not afford our funds floating for XXXX months plus. 

We need help immediately. 

I also attached XXXX new documents from XXXX backing up our claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

The bankruptcy needs to be removed from my report. The bankruptcy case was filed in error. The case never entered judgement. The case was closed by the Judge. The trustee was cancelled. No money allocated. Judge order signed XX/XX/2018. Case # XXXX XXXX says they have been getting data from XXXX XXXX who is reporting I went through a bankruptcy. This is false. There was never any judgement. The judge closed the case XX/XX/2018. XXXX XXXX has been reporting false info. for years. I would like to sue for the false reporting. The case was filed in error and the Judge closed the case. I NEVER went through any bankruptcy judgment.
Product: Credit reporting or other personal consumer reports

Per the FCRA 15 USC 1681b, I did not give XXXX nor Capital One, permission or written consent to apply an inquiry to my credit profile. Please delete this immediately as this a violation of the Privacy act of 1974. I do not have an open ended or closed account with XXXX or Capital One.
Product: Checking or savings account

I am writing to file to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees i have incurred. Despite having sufficient funds when transactions were authorized. I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

XX/XX/year> ive sent transunion a dispute certified mail concerning identity theft on my consumer report. I provided transunion a list of all the accounts fraudulent along with a official FTC report and report number from " identitytheft.gov ''. Transunion denied my request alleging my documents appeared to be unofficial. Transunion said an " acceptable document include : and electronic identity theft report filed online with the ftc at www.identitytheft.gov ''. I've sent exactly what they asked for but transunion sent me back a frivolous response.
Product: Mortgage

Was charged a XXXX XXXX XXXX XXXX XXXX XXXX XXXX and was informed I would definitely get approved didn't read anything saying that it was non refundable if I was denied. And was told at approv it would go to closing costs then I'm up and down with them regarding communication and end up not getting the right documents not due to my fault. And then I get told I don't get my money back. How is this fair or right to do this to people that have to save up money for these purposes. I requested a refund due to the circumstances and was rudely told management won't tolerate a refund. They need to be held accountable. I have read many reviews recently about amerisave and how people were XXXX XXXX when it came to the XXXX XXXX XXXX  XXXX XXXX they were not informed as well. I just want my money back so I can move forward. I have text messages and voice messages stating this how I would definitely approved. I was misled and not told clearly regarding this XXXX XXXX XXXX XXXX or I would have never done this.
Product: Credit reporting

I filed a complaint through XXXX which was sent to trans union twice. I explained that the item listed was discharged with my bankruptcy. Both times I was told they ca n't remove it, which is incorrect and I want something done.
Product: Checking or savings account

I received a targeted XXXX XXXX XX/XX/XXXX in which the bank froze my account until I bring in proof that I was approved to get these funds. I also received an XXXX loan a XX/XX/XXXX in which the bank did not freeze my account. They are requesting me to go in the branch with documentation that I was indeed approved by the agency to get the XXXX portion in order for my account to be unfrozen. The bank advised me they have the right to scrutinize funded sources and money deposited into my account no matter what law it comes from. I'm a small business owner with less than XXXX employees and I do not issue 1099- for i'm not an XXXX nor do I operate as one. The bank states any economic XXXX grants or loans from SBA have to be deposited into a business account.
Product: Student loan

I entered into a rehabilitation program on my defaulted account ( s ) and setup automatic payments each month to get my loans out of default. I noticed there was no automatic withdrawal on my bank account the next month ( month2 ) so I called the company who I have the arrangement with and gave them my payment information again. XXXX XXXX and XXXX I verify that the payment is withdrawn from my bank account. On Month XXXX I call the company I have the rehab agreement with to change my billing information, I am opening an account with a new financial institution and need to update my billing information. To my dismay, they inform me that I have n't been making payments and need to re-commit to the rehabilitation program. I check online and clearly see that the correct amount is being withdrawn monthly at the correct dates using the automated process setup over the phone. The company informed me that even if my proof of payments was satisfactory for them that I still missed payments and would have to start the program again. This is unacceptable to me. 

My original financial institution mailed me an official statement with the XXXX " missing '' payment information on it. I 've mailed a copy to the u.s. department of education and I 've emailed a copy to the company I 'm dealing with. 

I no longer trust this company. While in communication with them I 've had to explain the entirety of my situation to many new representatives and supervisors because they do n't understand details of my case. In order to stop that from happening a representative informed me that my case would no longer be moved but I was moved anyways. No matter how small, errors like that are unacceptable. 

I have started a new rehab program with the same company and have been making my payments on time. I believe my rights have been violated but I do n't know what to do next.
Product: Credit reporting or other personal consumer reports

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 I looked at my XXXX credit report on XXXXXXXX XXXX,2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to 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

In accordance with the Fair Credit Reporting act XXXX Accounts # 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$870.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX : {$0.00} XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX : {$0.00} XXXX XXXX : {$0.00} XXXX XXXX : {$0.00} XXXX XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case, How did the credit agencies verify my bankruptcy as 100 % Accurate? They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit agencies violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting account XXXX account # XXXX has violated my right.

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 a section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 166B : A Creditor may not treat a payment on a car payment account under an open end consumer credit plan as a late payment for any purpose.
Product: Mortgage

Homeowner has been working a short sale and attorney for home owner has been in constant contact with lender. Attorney was advised that we are in a value dispute. Attorney was never advised of a scheduled sale date. There was apparently a sale date scheduled for X/XX/2017. Lender clearly dual tracked this file. Lender at no time advised attorney for borrower as to sale date despite constant contact with lender and contact less than 24 hours prior to the scheduled sale date.
Product: Debt collection

Today ( XX/XX/2024 ) I received a phone call and VM from the number ( XXXX ) XXXX. The VM was generic and said I owed a debt and threatened legal action if I didn't call the number back. I did so and spoke with someone ( a woman with an American accent ) claiming that I owed a debt from Lending Tree and that they were going to garnish my wages at my place of employment, if I didn't pay immediately. Not only have I never done any business with Lending Tree, but also they wouldn't provide me with any info about their company, including the company name or address or specifics about the debt. After asking for those minimal details, and being called names like sassy, I was hung up. I called the number back and a different person answered, and again I was hung up on when requesting the name of the company. When I called back a third time, the call was not picked up and instead sent to a VM. On the VM the person said the company name of XXXX. I tried XXXX this company but nothing came up. I don't know if this is a legitimate attempt at debt collection. There was never any advisement that it was an attempt to collect a debt on the VM and I have no way to dispute the veracity. The first representative claimed they mailed me a notice in XXXX and listed a previous address of mine. I need to dispute this but have no way to do so. I am concerned this is a scam.
Product: Vehicle loan or lease

In XXXX got a loan for a vehicle with, AMERICAN HONDA FINANCE XXXX. After about 34 weeks or so, should have gotten a 1099a from them. That did not happen. It is a consumers right to also fill out a 1099a for abandoned property, as a lender! Because this corporation borrowed from my XXXX XXXX XXXX using my social security number to do it! They tried intercepting my ability to grab remedy from Treasury and not zeroing out the account # XXXX. So they can continue to embezzle and not reporting those stolen funds as income! I filed it with the US Treasury to pay off my balance using my XXXX XXXX XXXX XXXX, and now their obligated to file a 1099-OID, form to receive the funds from from the U.S. Treasury XXXX Failure to do so will result in a corporate violation of my rights per HJR 192 Of XXXX and 15 USC 1692 A-K. Because their double dipping! This is illegal and unlawful act by their corporation and is a lienable offense in the amount of {>= $1,000,000} in which the U.S. Treasury will be contacted with me to collect on my behalf. Since, their is no answer back or return of my negotiable instrument for my statement for XX/XX/XXXX. In the amount of XXXX! My 1099a was accepted and approved by the Treasury! They never sent me a copy of the 1099a when they claim my abandoned property, for the XXXX HONDA XXXX! Yet, they received one from me priority mail and certified mail! That is because they were already prepaid! Which they did not report these stolen funds as income, This! 099a I filed with have to be added on my taxes as income, at the first of the year! The 1099-A is an informational return. Can't pay them anymore, for something already paid! This is getting paid twice, aka double dipping!
Product: Vehicle loan or lease

I purchased a vehicle on XXXX, XXXX, XXXX after being in an auto accident on XX/XX/2023 and finally being paid out for my car. I found a vehicle through XXXX XXXX XXXX XXXX in XXXX, OR that I was pretty sure I wanted after speaking with the salesmans wife via XXXX messenger for a couple days. On that Friday the XXXX, I took my XXXX XXXX XXXX and XXXX XXXX XXXX in a rental vehicle for the 2 hour drive to see the vehicle. We arrived at the car lot around XXXX. I test drove the car and decided so was going to buy it. One of the salesmen there discussed my down payment amount as he entered my information into a computer and discussed what he was doing with the sales manager. I told him I wanted to put {$2000.00} down on the vehicle and if I absolutely had to then I could put {$3000.00} down. He said with {$3000.00} down my payments were going to be about {$300.00}. I told him that amount was too high for me. He stated because it was a Friday and the evening that the amount could change since he is unable to get final approval from a finance company due to them all being closed. I then went in with the sales manager while my XXXX kids were destroying their office and went through the paperwork. He said that my payments were showing {$300.00} but once they got ahold of the finance company then they would have the for sure amount. So they took my {$3000.00} and I left with the new car. I then did not receive any notices from XXXX XXXX in the mail only a text that said everything was taken care of. I then a few weeks later received a notice from United Finance in XXXX, stating that my loan contract had an error and that they were changing my payment due date to the XXXX of each month and I needed to sign that paper and send it back. Then I received a notice that I needed to provide my insurance info to them. I was never told that United Finance was the company financing my car sale. I received no notice or contract showing the terms of my loan with their company being named on it. No address/email/website to submit my payment to. No account number. They then put my vehicle in to be repossessed but I dont have documents showing that they are named anywhere as any part of my financing, when I talked to them they said they hadnt heard from me except when I sent them messages in their website under their contact me tab, but she stated that their company has no email, and they couldnt respond to my messages. I then asked for them to provide me with a bill showing the total amount due on my account with my name and account number and whom I was submitting my payment to and they said that they dont provide that. So Im supposed to blindly send money to someone who wont even provide me with a bill and no I have no vehicle since it was repossessed and taken to a holding lot 3 1/2 hrs away.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Experian for failing to properly investigate and remove an unverified XXXX  XXXX bankruptcy from my credit report. 

Complaint Details : Credit Bureau Involved : Experian Disputed Item : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Reference Number : XXXX Court : XXXXXXXX XXXX XXXX XXXX XXXXXXXX I formally disputed this bankruptcy with Experian, requesting verification under the Fair Credit Reporting Act ( FCRA ). I also contacted US Bankruptcy Court XXXX XXXXXXXX, and they confirmed that they do not report bankruptcies to credit bureaus. Despite this, Experian has failed to provide proper verification and continues to report this item, harming my credit standing. 

Under 15 U.S.C. 1681i, credit bureaus are required to conduct a proper investigation and delete any item that can not be verified. Experian has not provided adequate proof that this bankruptcy was directly reported by the court or verified through legitimate sources. Instead, they seem to rely on third-party databases, which is not sufficient verification under FCRA.
Product: Credit card or prepaid card

The company had did 3 inquiries on my name when I only authorized for 2 times. Then after they ran my name they new what was on my credit report before they gave the 2 credit cards. One was a cash back reward card for 12 month with a balance transfer with no interest. I havent even had it 12 months and they decrease it already. I only had it for 10 months. After that I pay them off they decrease it to {$500.00} when they gave me {$5000.00}. The other card was a truly simple card for 15 months with no interest. It was for XXXX and now they decrease it to XXXX and I have been paying on it. I havent even had it but 9 months. I have nothing on my credit report negativity. My score is over 700 and I Strongly Disagree with there decision after the fact they already new All the credit line I had out there. I never had anybody decrease my credit line if a they would increase and Surly not in less than a years. I was TOTALLY disappointed, disagree, and distraught how I was treated by the credit card President of this company when I had bank account and saving account. Oh by the way they change bot of my credit cards numbers so on the on question you for the credit cards number I only have the new account number so that what Im giving you.Please appreciate if you can help me Rectify this issue. Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint in response to the current evaluation presented by the Credit Rerporting Agencies. I have to pursue my efforts to resolve these matters which require intentness to my personal credit report. I am frustrated and feel there are errors that are still reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX  Balance Owed : {$12000.00} XXXX XXXX  Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1661 section 602 A states : I have the right to privacy.

15 U.S.C 1681 section 604 A section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

The original debt was settled during my move out due to the original creditor making a mistake and leaving us XXXX. I have had my identity stolen before and had previous apartments and other type of collections added, so when first contact was made I thought it was a scam until I saw it hit my credit report I made contact with the debt collection XXXX and asked for information on the original collection they said no because their is no way to reach them, I asked to get the paperwork on how Colombia debt recovery was able to obtain my information. They said no they would not send me anything or any way to contact the original creditor, they started saying I was done on having good credit and that they would do anything to make me pay the debt to them.