23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/2021 I received a call from Bank of America 's fraud department inquiring as to whether I had made a {$1000.00} ATM withdrawl the day before XX/XX/2021. I informed them that I had attempted to make a withdrawal at the XXXX XXXX BofA location but i received a " insufficient funds '' notice. I figured I had certified for benefits to late on Sunday and the money didn't transfer that monday morning. I was driving to the ATM the following morning, Tuesday XX/XX/XXXX when i recevied their call about fraud. They informed me that someone had done a {$1000.00} ATM withdrawal around XXXX in XXXX XXXX , CA at at BofA ATM. They also had done balance inquiries that day at a XXXX in XXXX XXXX I was told. They froze my card, took a claim, issued a claim number, told me i would receive a provisional credit within 10 days although the investigation could take 45 days, and said they would XXXX me a new card. A few days later i received the new card, i was not able to activate it online so i called BofA and was transferred to the fraud department who put me through several identity checks and then activated my card. The following day i received a letter in the mail from Bank of America dated the exact same day i filed the claim stating " the above listed claim has been closed ''. Clearly they did not investigate and pull HD video surveillance from the BofA ATM, analyze the case, generate a letter and mail it on the same day, anyone that deals with Bank of America knows that unless it's them receiving payment, nothing happens that fast. I called back at that point and was informed that when my new card was reactivated that the claim was reopened whoever they claim they are no longer held to Reg E or their zero fraud warranty because they made an initial determination that I was the source of the fraud. This is consistent with literally thousands of stories in online forums, network news TV investigations and three class action lawsuits filed for the exact same reason, Bank of America is systematically closing investigation cases without even looking into them to try to circumvent Reg E laws about provisional credits. They then are putting the burden on the consumer and slandering the card holders like myself by claiming I defrauded Bank of America. I thing is egregious that regulators continue to allow Bank of America to operate outside of Reg E and willingly and knowingly breach the cardholder contract and it's " zero fraud '' guarantee.
Product: Student loan

A check was mailed and delivered on the XXXX of XXXX in the amount {$3500.00} to the department of education and the amount was withdrawn and posted on the XXXX of XXXX but no payment has shown up on my account while interest is still accruing I have called Nelnet several times over multiple weeks and have received no confirmation that they are even processing this payment. I have all the checks info and will gladly provide any info to get this resolved
Product: Credit card or prepaid card

Had the XXXX Home improver card since 2017, I have never had a late payment I have paid over {$1300.00} to them for a card with {$2000.00} limit and it shows i have only paid it down {$200.00} dollars. I cant identify how they are stealing from me they have masked it well please help.
Product: Credit card or prepaid card

A credit card was order using my information as fraud which resulted in a hard inquiry on my credit report. All three of my credit files had and currently still has a freeze on them so a credit card shouldn't have been able to be ordered.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I disputed a charge with XXXX for {$120.00} dollar payment my bank XXXX XXXX stopped when I had available funds. I disputed this claim also because I dont recall making a purchase at XXXX for this amount which I stated to the representative. I sent a letter via certified mail showing I had available funds and this was a bank error. XXXX XXXX representative told me on a recorded line that XXXX received a payment of {$110.00} and a payment of {$120.00}. Then another XXXX XXXX representative told me on a recorded line that the payment of {$120.00} processed only. Either way I disputed this claim I do not recall making it. I payed them in full for everything I allegedly owe and want this removed due to miscommunication with my bank. And if I disputed this claim on XXXX XXXX how is it 30 days late on my credit report?
Product: Bank account or service

I bought a vehicle and got an auto loan through fifth third bank. I put insurance on the vehicle the day that I bought it and had the proof of insurance faxed to fifth third bank. A month or two later I started getting calls that I owed over XXXX in insurance that fifth third put on our vehicle. They claimed that they never recieved our proof of insurance and needed it sent again. So i complied and sent it again. I made my regular vehicle payment as i always do. A week later I started getting about 12 calls a day from all different collection centers for fifth third. They said that we owed XXXX dollars because my payments had doubled and I had only made my normal payment. The payments which were exactly double now were because of their added insurance. I asked why and they said they still had not recieved my proof of insurance so I asked how I could get it to them and have my payments back to normal. They said I could fax it again and they promised to personally call me back. I made the mistake of believing them and never got a call back. The insurance never got taken off and I was back to square one. I stopped by my local branch and they said there was nothing to do. So i went to my insurance agent and she helped me fax it over again and keep an insurance service center on the phone so we could hear them verbally say when it came through the fax machine. The employee claimed that all would be normal since they had recieve proof. But I continued to get calls to my work and my cell phone. So I got a fifth third supervisor on the phone after holding for 30 minutes. She says it will be resolved but I am now skeptical as you can imagine. I have cried multiple times over this matter. I have spent countless hours on the phone. My credit is damaged. And for what? I have done nothing wrong. It has been the most stressful month of my life and it feels like I am being harassed. I am writing this as a final hope. I have done everything I 'm supposed to and I 'm being punished for it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please note that I have made 2 attempts to resolve this issue. Experian is reporting inaccurate information ( addresses ) on my credit file and a few UNVERIFIED Accounts.

I've written multiple letters demanding these unverified information removed. 
They claim this information came from the a third party company ( XXXX  ). I have checked with XXXX  / XXXX XXXX and they both do not have these UNVERIFIED ACCOUNTS on their files. Even after all of this they keep telling me that the information is verified but they have NOT provided proof by way of documentations such as contract agreements with my signature to show that these are my actual debts.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute an account listed on my credit report that I have no knowledge of. The account in question appears to be associated with XXXX XXXX for a federal student loan. I have reviewed my records and have no recollection of applying for or authorizing any loans with this company.I believe this account may be fraudulent or the result of an error. I would appreciate your assistance in investigating this matter and removing the account from my credit report.Despite providing all necessary documentation and clarifying that I have no knowledge of this fraudulent account, the issue persists, and the account has not been removed from my credit report. I have made multiple attempts to address this directly with the credit bureaus, yet there has been no meaningful response or resolution to my case.

This ongoing situation is affecting my credit standing, and I am extremely frustrated by the lack of action taken. I am requesting immediate attention to this matter and a thorough investigation to remove the fraudulent account from my credit report.
Product: Consumer Loan

I am receiving calls from a company called Santander Consumer USA/Drive Financial XXXX XXXX ) who keeps contacting me regarding a XXXX XXXX. I informed the representative that I have no idea who that is. I also informed the rep. to discontinue calling my phone number, but they still contact me regardless.
Product: Credit reporting or other personal consumer reports

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after XXXX  days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section XXXX ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, XXXX, and XXXX XXXX XXXX, which raises concerns about the security of my personal data.
Product: Credit reporting or other personal consumer reports

I cosigned for my daughter for a vehicle on XX/XX/XXXX through XXXX XXXX. Vehicle was XXXX XXXX XXXX ( used, ) when vehicle was paid off we received all documentation stating that it is paid in full they released the title we have all documentation from the company that provide those statements. However it continued to be reported to the credit bureaus on my account as well as my daughters account when I went to dispute it through the credit bureaus, XXXX XXXX sent a document stating they needed more proof in regards to this matter which therefore I submitted copies of the statements received stating accountants paid in full receiving title account is closed, after that I then received from the company a letter indicating that that is correct and they will remove it from the credit bureaus which they have and then put it back on and keep on reporting it till this current date have reached out numerous of times it is not being resolved my daughter is trying to get her account cleared through XXXX XXXX we have submitted a complaint to the attorney general but may have to seek for a debt attorney do not know how to get this removed when they are constantly changing information to the credit bureaus in regards to this manner. Has impacted both credit scores tremendously
Product: Credit reporting or other personal consumer reports

I called XXXX, Equifax and XXXX XXXX in XXXX of XXXX. I requested for all three of these credit bureas to remove multiple negative items, hard inquiries and collections from my credit reports. The information that I requested to be removed from my credit reports are negative items, hard inquiries, collection and debt that I did not authorize nor agree to. I do not recognize said information. This information hasn't been removed yet. Today, ( XXXX, XX/XX/year> ) I went online to all three credit bureau websites ( XXXX, Equifax and XXXX XXXX ) and submitted disputes against all the incorrectly reported information. In accordance to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 AND the ( Consumer Financial Protection Bureau ), this incorrect information has to be removed from my credit report immediately!
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information from my file. The items I deleted are listen in the report I am victim of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. Please delete this items as soon as possible
Product: Credit reporting or other personal consumer reports

In XXXX, I setttled a debt via 1099-c. I paid a portion and the remainder of debt was forgiven via a cancellation of the debt and reported as income to the IRS. This triggered a taxable event and was reported as income on my tax return. However, the lender, credit furnishers and credit reporting agencies are still reporting the trade-line incorrectly on my credit report as a charge-off despite my escalation of complaints, documentation and references to laws and statues. The trade line should be DELETED IMMEDIATELY. The Fair Credit Reporting Act ( reference 15 U.S.C. 1681a ( d ) 2 ( a ) ( i ) ) prohibits this misrepresentation and inaccurate reporting. Debt cancellation is when a lender agrees to relieve you of your obligation to repay your debt and IT SHOULD NOT BE appearing as a charge off. 1099-C form from a company if they cancel your debt, which is considered income for the consumer. After filing the 1099-C with the IRS, and owing taxes on the canceled amount it should then DELETED from the consumer credit report. This FCRA law applies to transactions or experiences between the consumer and a company. The transaction that has occurred between myself and XXXX XXXX XXXX XXXX is being reported inaccurately with deliberate misrepresentations which is fraudulent.
Product: Credit reporting

trans union has shared my other accounts to show how much I am paying per month on all open accounts and the information supplied is incorrect.
Product: Checking or savings account

Midland Funding LLC, as we speak has been order to cease and to and stop, it has been order to stop by a Government Dept and has been found that the information is incorrect by TransUnion and taking off the record, yet this company has continued to call using over 4 to 5000 robo calls and has violated my civil rights, by going to court without a summons and the figures now over thousands of dollars. Even thou its a fraud and dont exist. Its is hard to get a lawyer, they want money before they would get involve, Im even on the National Do Not Call Registry, phone number ending in XXXX on XX/XX/2011, havent stop calling since the 31days from the registration date, they think its a joke ...
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report, there was a name listed in the Alias section that does not belong to me : XXXX XXXX XXXX There was an address that was supposedly a previous address of mine that I don't recognize and have never lived at : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NM XXXX There was also an inquiry from XXXX XXXX XXXX in XXXX of XXXX  that was not initiated by me. 

I have contacted Experian to put a hold on my credit and to have the incorrect items removed, but I feel this may be a fraud issue and would like this person/address investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act i believe the XXXX XXXX XXXX account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666b : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
The accounts below have violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my TRANSUNION credit report on XX/XX/year> 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 XXXX XXXX XXXX ( XXXX ) ( b ). 
And according to XXXX XXXX XXXX XXXX they are supposed to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) 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. 
According to XXXX XXXX XXXX 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 or other personal consumer reports

i reviewed my consumer reports and noticed that i had one late payment on the account that i was never late for. the consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with the maximum accuracy. i have never been late on payments for the account that i have included screenshot inside this complain in on dates of ( XXXX  ) please investigate and provide proof with statement showing that these payments were late. if proof can't be provided i demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot as attached
Product: Mortgage

This is an ongoing situation that I have with Bayview Loan Servicing LLC.. They have not fixed or credited my account for any of their errors. They have sent me a point of contact letter from a XXXX XXXX XXXX ( document attached ) and in that letter it has options and offers available. I have responded to her in a letter ( attached ) to send me any and all available assistance asap. I have also attached a statement I received abouit a week ago from Bayview ( XXXX statement I 've ever received from them ). On this statement towards the bottom of the first page on the right the show recent account history. On that it shows no payment received for XXXX and XXXX of XXXX. Not true, I sent money orders for those months in the amount of XXXX and XXXX. On a ledger sent to me by their attorney XXXX XXXX he shows the money orders however he shows receiving them both in XXXX. So, their inconsistency in accounting is VERY AGGRAVATING, and negatively impacts me monetarily and every other way.. I am also attaching a document of mine from XXXX XXXX XXXX for my XXXX tax records. In the middle of the form it has a paragraph stating " Bayview Loan Servicing LLC has requested the original tax bill with the intentions of paying it on my behalf ... .I HAVE NEVER GIVEN BAYVIEW PERMISSION TO DO ANYTHING on my behalf ... IS this even allowed. I do not want Bayview Loan Servicing to be able to get my records without my permission ... .Also, I would like an explanation of why Bayview XXXX telling you and other agencies and myself that they have owned my loan since XXXX. I made monthly payments to XXXX Mortgage for 7 years and got a transfer letter from Bayview in XXXX XXXX ( see attached ).
Product: Consumer Loan

Northern plains funding is the payday loan company. I borrowed a loan from them for {$200.00}. The yearly rate is 779.54 %. The financed charge is {$1200.00}. By time I pay this loan off it will be {$1400.00}. I only borrowed {$200.00}. This is truly criminal and abusive and taking advantage of the consumer. Again I only borrowed {$200.00}. This need to be looked into. So far I paid back as of today {$160.00}. This company is a loan shark that need to be investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several years ago, around XXXX I began establishing and monitoring my credit when I got my annual report I noticed a derogatory account from a LOBEL FINANCIAL, of which I contacted them and spoke to their legal department and credit fraud department back then, who informed me that they would remove it from my credit report as it is not my account, and I have never financed a vehicle with anyone, nor am I in possession thereof. I submitted documentation requested by them, was informed that the matter was resolved, and that my disputes would close the account and be removed from my credit reports. It was only removed from XXXX, and not the others. Since then, I have now signed a contract to purchase a home, and have been informed that LOBEL FINACIAL just reported on XX/XX/XXXX my credit report that Account # XXXX is Active, and that I owe the monies in an amount over {$11000.00}. I contacted LPBEL FINACIAL on XX/XX/XXXX and spoke with XXXX, who I requested that they expedite the removal of this fraudulent account in my name from my credit, and that I receive documentation from them stating that this matter has been resolved. After I was informed that this account was closed in XXXX, and has been disputed multiple times I requested to speak with XXXX 's XXXX, who was conveniently not available. I then asked for the information on the account concerning a vehicle that I have never owned, see, or driven, and was rudely hung up on. Therefore, I am filing this complaint with the hopes of resolving this issue, and get this credit predator, LOBEL FINACIAL, to remove any information with their name from my credit, and from within their companies database, expeditiously. As this is hindering me from utilizing my good credit, and from moving forward with purchasing a home. I did inform the LOBEL LEGAL department that I would be contacting the CFPB if they could not do the right thing and resolve this issue, again. However, they hung up on me with no interest other than retrieving monies for a felonious account that is being reported fraudulently on my credit reports, and I need any support that you may offer in making this happen, asap. I have nothing to show from LOBEL FINACIAL because I have never personally had an account with them, other than what they have told me.
Product: Vehicle loan or lease

I had loaned my vehicle from Westlake Financial in XXXX of XXXX payments have been made every month. On XX/XX/XXXX my car was stolen I had full coverage insurance and they paid of my loan with an excess payment of {$830.00}. In which they sent me an email that I would be recieving a Virtual mastercard with that amount. Never recieved anything called time after time again it was pending and they gave me the whole run around. Well come today there isnt a refund because of repo/impound fees. My car was never Repoed and impound fees were paid in by my insurance. After almost 2 months waiting for this said refund and even recieving an email comfirming this refund. Now there isnt one. XXXX called and spoke to a supervisor and he said there isnt one on his end and he camt tell me if there was because the loan is paid off. This refund goes through XXXX XXXX contacted them and no information of mine is to be found. I have screenshots and pictures of everything.