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

I never received the {$500.00} bonus for opening up a Business Advantage Fundamentals checking account with Bank of America. At the time of applying for the checking account Bank of America offered a {$500.00} sign up bonus for new customers who met the requirements. Customers were able to apply for the account online at " https : XXXX '' for any new customers. 

**Note ; Bank of America XXXX changed the terms of the bonus some time during XXXX, XXXX from " new customers '' to " specific customers who received targeted invitations '' 1 ). Bonus requirements from Bank of America per their web link at the time of signup ( XX/XX/XXXX ) " https : XXXX '' - Must be new Bank of American business checking customer - Within 30 days of opening up an account, fund the checking account with {$20000.00} minimum funds from non Bank of America source -Maintain a minimum average balance of {$20000.00} from days 31 to 90 calendars of account opening - {$500.00} cash bonus paid to the account within 60 days of meeting requirements. 

2 ). Here are the applicable dates and accompayning info for my account ; XXXX ; Applied for account using the link https : XXXX, which automatically applied the promo code " XXXX '' during the signup process for {$500.00} bonus for new customers who meet the terms of the bonus. 

XXXX ; Received an email from Bank of America of account approval. Deposited {$25.00} check XXXX ; Deposited {$100.00} check XXXX ; ACH transfer deposit {$10.00} XXXX ; Deposited {$20000.00} check XXXX ; ACH transfer deposit {$20000.00} XXXX thru XX/XX/XXXX ; Balance is over {$20000.00} ( 30 days after opening acct ) XXXX ; ACH transfer withdraw {$19000.00} ( 31 to 90 days after opening acct ) Min avg balance during this period is above min {$20000.00} avg to meet the bonus requirements XXXX ; ACH transfer withdraw {$15000.00} I've contacted Bank of America representatives several times , but without much success in rectifying this issue . Most aren't aware of the bonus or keep transferring me to different departments with long hold only for the call to be dropped again.
Product: Mortgage

The first thing I need to express and include for the record is that I am a licensed XXXX  in the State of GA, license number XXXX, and also a licensed XXXX XXXX XXXX, license number XXXX in the same state. 
This beginning of this nightmare with the three companies regarding my concerns, XXXX XXXX  ( processor and alleged lender of my VA home loan on XX/XX/XXXX ), XXXX XXXX Bank ( alleged holder of my loan " after closing '' however this was NOT DISCLOSED TO ME AT CLOSING, NOR IN THE CLOSING DOCUMENTS AT THAT TIME. Had I known this, since I am quite aware of XXXX XXXX Bank practices regarding certain minority communities, I would have NOT CLOSED my VA loan. 
The third company is Carrington Mortgage LLC. This is the alleged company that either was assigned as service company for my VA loan or purchaser of the loan from XXXX XXXX Bank. I am still not sure as to which of the about is correct. Carrington Mortgage and well as XXXX XXXX Bank refused to answer the question. 
During the covid 19 epidemic XXXX XXXX Bank attempted to foreclose on my home beginning in XXXX to XXXX XXXX. This illegal action was stopped by both a complaint to Congressman XXXX XXXX office, GA 4th District, and my complaint to Legal Shield attorneys. 
After the covid 19 forbearance ended XX/XX/XXXX, Carrington Mortgage LLC failed to process their required documents sent to them via fax, email and even fax from a local XXXX XXXX store in XXXX XXXX GA near my home. A complaint to a VA loan representative, XXXX XXXX, was needed to halt the most recent foreclosure attempt by Carrington Mortgage / XXXX XXXX Bank. 
Also, both of the above companies are continuing adding FEES to this account and sending MY CHECKS BACK TO ME WHEN I ATTEMPT TO PAY THE ACCOUNT. 
This process is what both, I learned today from online search of Carrington Mortgage LLC, are doing to INFLATE loan amounts on homeowners and cause alleged PAYMENT SHORTAGE leading to foreclosures in GA and elsewhere. The information located today about Carrington Mortgage LLC was shocking and new to me in that Carrington Mortgage LLC was FINED BY CFPB in XX/XX/XXXX for the same violations as was XXXX XXXX on their recent fine of millions of dollars to bank regulators. 
As XXXX veteran, retired local XXXX XXXX and concerned citizen about senior fraud and abuse in the mortgage and insurance industries, I determined that this complaint had to be submitted. 
Thanks, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

XXXX XXXX on XX/XX/XXXX. $ $ cleared my checking XX/XX/XXXX. Its XX/XX/XXXX and credit has not been restored. They say XX/XX/XXXX some XXXX days AFTER they had my $ $
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that this account is fraudulent though your company claims to have verified this Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX XXXX.
Product: Credit card or prepaid card

In XX/XX/XXXX I used my Bank of America ( BofA ) VISA credit card to purchase a product from XXXX XXXX. The item was pictured in the XXXX on line catalog. I received the item ( a clothes dryer booster fan ) on XX/XX/XXXX. It was not the item shown in the XXXX XXXX on line catalog, and was a less quality and less operative item. I contacted XXXX XXXX by email on XX/XX/XXXX and conveyed my concern. XXXX XXXX instructed me to take a photo of the item I received and email them the photo. On XX/XX/XXXX, XXXX XXXX then emailed me instructions to return the item to an address they provided, and they would issue me a refund. On XX/XX/XXXX I shipped the item via XXXX and received a confirmation of delivery by XXXX, signed for by XXXX at the address provided XXXX XXXX, on XX/XX/XXXX. XXXX XXXX never refunded me. 

I contacted BofA with the challenge to charge. On XX/XX/XXXX I received a letter from BofA. The letter was dated XX/XX/XXXX, post marked by the USPS XX/XX/XXXX. The letter instructed me to respond by XX/XX/XXXX or my claim would be denied, which was impossible to do since the letter as stated above never got delivered by the USPS until XX/XX/XXXX.. In the letter XXXX XXXX told BofA that I had received the item and I was using the item. I provided copies of the email instructions from XXXX XXXX and a copy of my XXXX delivery confirmation to BofA. BofA denied my claim because I FAILED to meet the BofA deadlne. I contacted BofA to appeal and they denied my appeal, again stating that I FAILED to meet the response deadline of XX/XX/XXXX. Interestingly BofA said that they had the XXXX XXXX for 3 weeks before the generated the letter to me and they were not at fault for USPS not delivering the letter to me in a timely manner.
Product: Credit reporting or other personal consumer reports

Affirm says that I had a loan through them for an item purchased using my identity thus they deem it true and verifiedthe purchase was paid off by whomever used my info but thats not the point it wasnt me! 
And XXXX did a credit authorization on me without my consent resulting in a hard inquiry to my credit report and since my information that was used was correct they deem it true and verified even though this was also not my consent nor did I authorize them or any agency to run my credit for anything
Product: Credit reporting or other personal consumer reports

I dont believe the information provided on my credit report is valid.
Product: Consumer Loan

Nissan-Infiniti LT is repo rting my account late on all three credit reporting bureaus and I have never paid late. I have an impeccable record for the last year that I have had this lease. In fact, I have another  Nissan loan  in my name as a co-signer for my daughter and my husband  has a Nissan le ase as well. All three have impeccable records for payment. I have requested the removal of the negative credit reporting but have not received a response. This wrongful reporting has caused my credit scores to decrease by up to  XXXX  points.
Product: Mortgage

Loan Servicer ( Green Tree, Ditech ) ruining my credit, deformation of character, false statements, lack of ability to provide documents, lack of proof of payments made, and poor and rude customer service. 
Original Loan Number XXXX Loan Type 2yr Interest Only Adjustable Rate LIBOR mortgage Address : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Hi XXXX The current mortgage note servicer is servicing a loan for XXXX or XXXX XXXX XXXX. The servicer was originally XXXX then XXXX and now Green Tree Aka DiTech. The " NOTE '' or ARM they claim to be collecting on was never signed by me and is not filed along with the other note and documents in the bureau of convenience in the State of Hawaii. It says I signed it the same day of my Securities Instrument which was said to be signed on XX/XX/XXXX. I signed all my documents on XX/XX/XXXX in front of a notary. It is very suspicious that the note that they claim is reason for them collection has no date next to my signature and is missing some of the J and the K is signed not like mine as it never touched mine touches 99 % of the time in the middle. Further this is now said to be held in Asset Back Securities which XXXX just got sued over by XXXX ( cert holder for my note ). Read here XXXX. Further XXXX is said to be the mortgagee of the note and only legal title to property. The sent me a truth in lending document signed by me supposedly showing a loan amount borrowed of XXXX and my mortgage document says XXXX which again is odd and shows poor truth in lending. To add to it the Notary and Loan officer at XXXX in XXXX XXXX Hawaii where or are husband and wife and there is allegations of him using her notary to falsify documents.These documents Ditech is claiming to have that allow them to collect or try to collect this debt are fraudulent, represent nothing, and hold no value to their claim to collect a debt. They have no idea even who the mortgagee is, the ability to provide proof if paid in full of turning ownership over, no grounds for collecting this debt, failure to diligently provide and prove that this is in fact a valid debt. I have tried time and time again to iterate this to them and it has failed. I am settling this matter with XXXX regarding the loan this Weds. XXXX/XXXX/XXXX and it has been once dismissed without prejudice in Hawaii District Court and has been further quitclaim by the condo association. Until these numb nut DiTech collecting company can provide adequate verification of debt, writing from mortgagee ( signed stamped notarized ) that in fact if I pay this debt off I have sole ownership and no futher legal issues. Proper documentation of servicer company, mortgagee note holder, and the bank that is certifying the asset backed notes.
Product: Student loan

I found out about late payments on my loans ' histories, and called to challenge their legitimacy. I spoke with a woman named " XXXX '' ( ID XXXX ) from Fedloan Customer Service, who advised me to file a Credit Dispute Form. I faxed this form directly to Fedloan, and uploaded an additional Goodwill Adjustment request online. Essentially, I pursued both formal, and informal, requests for Fedloan to " hear me out '', as I did not believe they failed to provide any proper notice. " XXXX '' reviewed my account and disclosed the address that one letter, over the lifetime of my 20+ late payments, was not listed. In addition, the email address was invalid, and no records of a phone call existed in regards to the late status of my account. 

Later in this complaint I will attach the PDFs of both the Dispute Form, and the Goodwill Request, the latter of which contains the record of my XXXX Credit Report to verify the listing of the late accounts. These were submitted on XX/XX/2017, and I have not received any contact, via email, phone, or letter in regards to these claims. With this being day 31 since the dispute was filed, I would like to report Fedloan 's inaction to the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous letters with no response requesting investigations and verifications of information on my credit report. This bureau has ignored my requests on the following occasions : Letters sent dated : XX/XX/2020, XX/XX/2020, XX/XX/2020, including a complaint warning letter dated XX/XX/2020. I have been more than generous with allowing the bureau more time than allowed by law to investigate and update my credit reports, but these incorrect accounts listed below have been negatively affecting my credit and I have had no luck in them doing what is right to fix this. The items listed below have been disputed with no response for over 6 months. This is ridiculous 1. Validate Account Chapter XXXX Bankruptcy Case Number : XXXX Please supply information on how you have verified this item. 

2. This Account was not XXXX days late. 
XXXX Account Number  : XXXX Please correct/update this inaccurate information on my credit report. 

3. This Account was not XXXX days late. 
XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

4. This Account was not XXXX days late. 
XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

5. Validate Account XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 

6. Validate Account XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 

7. Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 

8. Validate Account XXXX Account Number : XXXX Please supply information on how you have verified this item. 

9. Validate Account XXXX Account Number : XXXX Please supply information on how you have verified this item. 

10. Validate Account XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 

11. Validate Account XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item.
Product: Vehicle loan or lease

XXXX XXXX XXXX. NOT MY LOAN. XXXX XXXX XXXX in Florida. I live in Michigan. Have disputed with XXXX, XXXX and XXXX XXXX. It was removed last year but now back on my credit report.
Product: Mortgage

My home mortgage was originally held by XXXX XXXX but was recently sold to Chase. To mark the transfer I received a statement from each bank dated XXXX XXXX, 2015. Inexplicably, the Chase statement showed a principal balance {$500.00} higher than that on the XXXX statement. XXXX insists they provided Chase with the correct balance. I have made multiple phone calls to Chase, sent them a written request along with copies of the XXXX discrepant mortgage statements, and waited for weeks with no resolution to what appears to be a very clearcut matter. The fact remains that {$500.00} that I paid into my mortgage has simply disappeared, so not only has my money been taken but I continue to be charged interest for a portion of principal I already paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hereby file this CFPB Complaint regarding fraudulent entries on my credit report, which have surfaced recently. I did not authorize or participate in any of these entries, and they have significantly damaged my credit score, causing severe financial harm. Although I have made considerable efforts to challenge these fraudulent items with both the credit reporting agencies and the creditors involved, their response has been unsatisfactory. Despite providing compelling documentation and evidence of the fraudulent activity, these items remain on my credit report, inflicting ongoing damage on my credit score. I am convinced that the fraudulent items resulted from identity theft, and I am deeply concerned about their potential long-term consequences on my financial well-being. I, therefore, formally request that the Consumer Financial Protection Bureau investigate this matter and take immediate action to ensure that these fraudulent items are expunged from my credit report, and my credit score is restored to its previous level. Specifically, I insist that the following items be removed from my credit file : XXXXXXXX XXXX Balance XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX The fraudulent items on my credit report comprise multiple credit accounts that I did not open, as well as various charges and loans that I neither initiated nor received. Their total amount is significant, and their impact on my credit score has been negative.
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. 

I told XXXX, Transunion, and XXXX to reinvestigate the account XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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: Debt collection

XXXX was the defendant in a Class Action Lawsuit several years ago https : XXXXThe short story on the case is : XXXX was processing checks presented before the deposits were credited, causing XXXX of overdraft fees. Then if that was n't enough Citizens " sold '' all the fake debt to a " Third Party '' collection agency ( Convergent Outsourcing Inc XXXX ) who now appears on all XXXX of my credit reports.
Product: Vehicle loan or lease

BBVA Compass Bank had made a response back to me on XX/XX/XXXX. Compass Bank had admitted to making some errors and overlooked some information. At first Compass Bank stated that I owed them {$3300.00} dollars. Then they had went on and admitted to taking a refund of money back to them from the extended warranty for the car and also a refund on the GAP policy. So then they said that I owe them {$1200.00} dollars. The extended warranty cost was {$2500.00} and the GAP policy was {$350.00}. That would make the total refund that they had taken to be {$2900.00} dollars total. So the amount that Compass Bank had taken back to what they say I owe does not add up correctly. If I take {$3300.00} minus {$2900.00} that would be a total of {$420.00} dollars. So I have no idea how they had come up with the figure of {$1200.00}. The {$3300.00} amount is a figure that is on a letter from Compass Bank dated XX/XX/XXXX yet I did not receive that letter until the end of XX/XX/XXXX. Also seems as though that they had never returned my prescription medication. The cost of this medication is around {$1700.00} dollars for a one month supply. If I minus {$1200.00} from {$1700.00} that would be {$490.00} dollars. This medicine is something necessary for my daily wellbeing.
Product: Credit card or prepaid card

XX/XX/2002 From : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Texas XXXX XXXX Re : Reporting Unauthorized Credit Inquiry To whom this may concern, I am writing to request the removal of an unauthorized and fraudulent creditinquirywhich is being reported by XXXX, XXXX and/or XXXX on my credit report. My latest credit report shows an inquiry from your firm creditthat I did not authorize. I suspect fraud, and have reported this incident at IdentityTheft.gov, Consumer Financial Protection Bureau, and the XXXX XXXX XXXX. 
Please havethese/thisunapprovedinquiries/inquiryremoved from my credit report within 30 days, as it is harming my ability to obtain new credit. Please contact me immediately if you require any additional information regarding my request. 
Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter last month requesting that you remove the following inaccurate accounts or that you update the inaccurate information, and it was ignored. I would like to know what your method of verification was as well as the documentation to prove you performed an independent investigation. 
Where is the proof this investigation was done? Why cant you send it to me? I am re-disputing these accounts. 

XXXX  XXXX XXXX delete this account for inaccuracy because the high balance is {$350.00}, and {$0.00}, last verified date XX/XX/XXXX for XXXX and Experian has No date reported. 
The date of last activity for XXXX XX/XX/XXXX, for Experian XX/XX/XXXX, Date reported for XXXX XX/XX/XXXX, and Experian XX/XX/XXXX Date opened for XXXX XX/XX/XXXX and Experian XX/XX/XXXX Closed date for XXXX XX/XX/XXXX and for Experian there is no date at all. 

XXXX XXXX Last verified by XXXX XX/XX/XXXX, Experian no date, XXXX XXXX date, Date of last activity XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, Date reported is inaccurate XXXX XX/XX/XXXX, Experian XX/XX/XXXX, XXXX XX/XX/XXXX, The date opened is inaccurate XXXX XX/XX/XXXX, Experian XX/XX/XXXX, XXXX XX/XX/XXXX, Balanced Owed is inaccurate XXXX {$5900.00} Experian {$5900.00}, XXXX {$6300.00}, Creditor Type : XXXX has Finance/Personal, Experian Auto Financing XXXX XXXX XXXX XXXX  XXXX this is inaccurate. 

Last Payment is inaccurate XXXX XX/XX/XXXX, Experian XX/XX/XXXX, XXXX XX/XX/XXXX, Term Length XXXX 62 month, Experian 62 months, XXXX has no term reported, Last payment XXXX XX/XX/XXXX, XXXX, XXXX XX/XX/XXXX XXXX Past Due Amount : XXXX {$1500.00}, Experian : {$1500.00}, XXXX : {$1000.00} Please Block and delete this account for inaccuracy Please send me a new credit report Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX