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

My husband and joint owner of the Bank of America checking account ending in XXXX was given 2 checks by 2 different people. Check # 1was for {$600.00} and check # 2 was {$710.00}. I was first told by Bank of America at the XXXX XXXX in Md that because we didn't have the amount of the deposit in the account the checks could not be cashed. At approximately XXXX I spoke to branch XXXX XXXX and she advised me to deposit the checks and that at midnight it would be clear. This was a total inconvenience. My husband tried to cash checks at XXXX XXXX and was not able to because unbeknown to him his driver 's licensed expires on his birthday ( XX/XX/XXXX ). Ok so surely we thought we thought our bank Bank of America would at least cash the certified bank check for {$710.00}. I was able to get a temporary {$200.00} credit after being on the phone with customer service and demanding a supervisor on the evening of the XXXX. I was sent emails later on XX/XX/XXXX after making the deposit stating that BOA had placed holds on both checks and funds won't be available until XX/XX/XXXX. Now this is unacceptable because the check for {$710.00} is a cashier 's check... it's certified funds which means that the issuer of the check paid XXXX XXXX a fee and the {$710.00} was debited from the issuer 's account so funds are available. I have checked my account and as of XXXX XX/XX/XXXX funds are still not available. I called and spoke to BOA XXXX XXXX who told me that hold can not be removed from the certified check and it went thru the clearing house and hold is on til XX/XX/XXXX and will be available at XXXX on XX/XX/XXXX. He stated that this was from the Federal Reserve Regulation XXXX. I asked XXXX XXXX how fair is this when issuer paid for the certified check. He took my complaint and said he would give it to the BOA Complaints department. Complaint # XXXX I feel that the banks are fleecing the consumer with these fees for certified checks that really are not considered or handled as certified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 
XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX, NV XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX MN XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX Balance Owed : {$6100.00} XXXX Balance Owed : {$2700.00} XXXX  XXXX Balance Owed : $ XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2400.00}
Product: Vehicle loan or lease

four years ago I went into XXXX XXXX and purchased two vehicles and leased one vehicle ( total three in one day ). 

The lease ended XXXX, 2018. I was allowed 15,000 miles per year. 

Last XXXX I went into a dealership and purchased two new vehicles. I then paid the entire balance of the five remaining months lease. 

I've now received a bill for {$430.00}. 

I called Hyundai and explained I had turned the vehicle in when I purchased two new vehicles. I also told them I had only utilized approximately half of my allotted mileage allowance over the four year period. There was no damage ect. to the vehicle. 

I've now received a this bill stating I paid it off early. I explained I turned it in early BUT PAID IT IN FULL THROUGH THE END OF THE LEASE TERM. I also again stated I only used approximately half of the allowed mileage. They continually refuse to delete this " balance due ''. 

I called Hyundai and reached XXXX XXXX, who is a CSR. He said it was dead wrong that they were trying to charge me this money. He said he was submitting a complaint on my behalf and bc he was doing that the complaint would have to go to Corporate Hyundai to be reviewed. 

So they're basically saying bc I stopped driving the lease 5 months early, BUT PAID IT IN FULL FOR THE COMPLETE LEASE TERM. I'm going to have to pay them. This sounds ridiculous! 

You can reach me at XXXX XXXX XXXX if you have any further questions.
Product: Vehicle loan or lease

I went to XXXX 's XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ( XXXX ) XXXX on XX/XX/XXXX to purchase XXXX white XXXX charger XXXX XXXX pack that I discussed with salesman a day prior to me coming in. When I got there the car I originally wanted was gone, they sold it. I was getting ready to leave because they did not have what I wanted but the salesman talked me into getting the XXXX XXXX XXXX XXXX I proceeded to do the application as a consumer credit transaction with my name, social security number, date of birth, and provided work information as requested from dealer. They asked did I have a downpayment and I asked them did I need XXXX and they said yes. I said I was trading in my XXXX XXXX XXXX. They took pay off letter and said they were giving me {$10000.00} for the XXXX XXXX XXXX. They also stated the {$10000.00} would be used as the downpayment. I sat with the finance XXXX, he told me who approved through me ( Ally Financial ) and signed paperwork for vehicle and I left with vehicle and paperwork. At the time I did not realize the finance charge amount was inaccurate, the financed amount was inaccurate, and I was not supposed to pay sales tax in Illinois because I am not a resident of Illinois ( and was not a resident of Illinois at the time of purchase ), and that I had been abused and deceived. I called XXXX 's on XX/XX/XXXX to inquire about inaccurate finance charge, inaccurate amount financed, inaccurate monthly payment, inaccurate total payments, and a service warranty they put in amount financed that was not valid, and Illinois sales tax that I was not supposed to pay, and downpayment that I was not required to pay and they informed me I needed to speak to finance company ( Ally Financial ). I called Ally Financial and they told me I needed to speak to dealership. I let dealership know the Ally Financial said I needed to speak to them and they said someone will get back to me but no one ever did. I called Ally Financial back and they said someone will reach out but no one ever did. They followed up with a repossession order for my vehicle. I'm filing this complaint because the company has yet to return my call and I have the right to rescind this contract and I would like to do so.
Product: Credit card

I purchased 2 car parts in XXXX XXXX totaling {$460.00} for a XXXX XXXX XXXX XXXX from XXXX. The parts were guaranteed to fit. One of the parts ( radiator support frame ) was a clearance item and the bolt and hood latch holes did not match up. 

I returned the part to XXXX, but they discounted the shipping and only offered me {$100.00} refund. In XXXX I filed a dispute with XXXX since was purchase protected and the product was either defective or they sent me the wrong part. 

XXXX removed the XXXX so that with the XXXX and XXXX, the product would give a full refund of that product of {$280.00}. In my dispute I outlined why I was disputing ( guaranteed fit ) and the costs. XXXX provided the sales receipt, offering the XXXX refund ( but never issuing the refund to me ) stating that shipping is only refunded due to shipping errors or defective parts, which was exactly why I disputed in the first place. XXXX denied my dispute on XX/XX/XXXX. 

On XX/XX/XXXX I contacted them again, providing the tracking number of my return, email to XXXX stating the product was defective, email fromXX/XX/XXXX that my refund was denied due to credit dispute and the title showing I ordered based on the vehicle I owned. 

As of XX/XX/XXXX I have not received any monies owed ( {$280.00} ) or statement credit. XXXX is not fully reviewing the claim.
Product: Credit reporting

I 'm writing in regards to a response received for a dispute filed with TransUnion. I have been disputing since XX/XX/2016 information on my credit report regarding XXXX creditors - XXXX, XXXX/XXXX and XXXX. TransUnion has responded saying " XXXX-CONSUMER DISAGREES. '' They did not address the specific question I asked about. I was not asking for verification or accuracy of the accounts. My specific issue stated I consolidated XXXX loans, per the loan consolidation features, the loans that were consolidated should show a XXXX balance ( which it does ) and payment history removed. This has not happened, and was not addressed by TransUnion. Secondly, 1 of the creditors ( XXXX/XXXX ) is incorrect. The lender for that account is not XXXX. I even contacted XXXX, provided my SSN and they are unable to locate anything in my name with them. On this alone, this should be removed, but this was completely ignored by TransUnion. 
In summary, XXXX/XXXX is incorrect, and this fact was ignored by TransUnion. The other accounts were addressed but my letter and specific points were not, nor was any proof of documentation provided. 
I have attached a copy of my letter sent to TransUnion as well as their response. Also included is my identity verification. 
Thank You, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have no knowledge of these inquiries, and the company did them without my consent. Please remove them.
Product: Checking or savings account

Starting in XXXX of 2020 chase bank started charging my personal acct {$25.00} service fees after they closed my husbands acct down without authorization due to some issues with the acct. we were on the military acct that chase had issued to us and we received an account with no fees for maintenance monthly. Upon them closing the account down that belonged to my spouse, that disqualified us from receiving the account that was maintenance free and now starts charging the account to {$25.00} a month maintenance to maintain it and keep it open. Even though money has not been deposited into the account and it has thrown into overdraft the bank still continues to charge the {$25.00} a month maintenance and accruing the debt even further. I find this to be highly unbelievable and should not be allowed
Product: Mortgage

On each of the mortgage statements from Bayview Loan Servicing for XXXX, XXXX, and XXXX 2015 is an added {$75.00} charge. The line in Account Information says " XXXX XXXX XXXX. '' The XXXX statement has a line in Transaction Activity for XXXX/XXXX/15 that says, " Miscellaneous foreclosure, Bankruptcy and XXXX Expense Disbursement. '' The other XXXX statements show no payout activity related to the charges. 
We are not in foreclosure or bankruptcy and our house is not a XXXX property. Therefore the charges are inappropriate. 
In addition, as of XXXX XXXX, 2015 Bayview is no longer including our outstanding balance on their statements, thereby denying us the ability to identify or evaluate any charges or balances.
Product: Credit reporting or other personal consumer reports

This account does not have the amount correctly and is also a fully paid account, the payment was made at a XXXX XXXX  on XX/XX/year>, therefore the amount should be removed and eliminated from my credit report. 
Account name XXXX XXXX XXXX Account number XXXX
Product: Money transfer, virtual currency, or money service

Dear Ombudsman, Hereby, I am making a formal complaint about money transfer made from XXXX  account on XX/XX/2019 in amount of XXXX USD to my client in Citi Bank NY ( transaction file from my bank 1st attachment ) : Beneficiary Name : XXXX XXXX XXXX  XXXX XXXX Beneficiary Address : XXXX XXXX XXXX XXXX XXXX : Surprise Beneficiary Country : US Entity Type : company State/Province : AZ Zip Code : XXXX XXXX : XXXX Account Number : XXXX Company Name : XXXX XXXX XXXX   XXXX XXXX Unfortunately I wrote incorrect XXXX number XXXX which is for private clients and in this case it should be given XXXX number for small and medium companies, what I found out after the transaction has been done and I couldnt cancel it after that. 
XXXX  agent ( from my bank ) on chat gave me additional information from banking partner about this transaction like below, and wrote that Citi Bank NY is still holding the payment 2nd attachmend Trace ID - XXXX The transfer was sent from our payment processors banking partner account details. 
Account number XXXX XXXX Routing Number : XXXX I have contacted Citi Bank US and they said that they arent able to help (??? ). As far as I know, holding money in this case is illegal. I want my money back, and Im asking you to help me in this matter. 
Looking forward for positive feedback, Best regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

There are multiple addresses on my credit report the address is XXXX XXXX XXXX XXXX, XXXX XXXX it appears multiple times on my credit reports and I would like the address to appear once.
Product: Credit reporting or other personal consumer reports

Did not apply to these company. Can we please remove these inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX  and Transunion The credit bureaus have failed to provide me with a proper investigation as well as provide me physical proof that the account I disputed along with Inquiries was authorized by me. Under Section 611 ( 5 ) ( A ) ( i ) of the FCRA you are required to promptly DELETE all information which can not be verified Also under Section 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( c ) Running of Reporting Period ( 1 ) In general. The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) 6 of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.

( 2 ) Effective date. Paragraph ( 1 ) shall apply only to items of information added to the file of a consumer on or after the date that is 455 days after the date of enactment of the Consumer Credit Reporting Reform Act of 1996.

They have refused to supply me with documents and overlook this statue.
Product: Credit reporting or other personal consumer reports

Hello, Equifax is holding my credit score XXXX. I have tried to unfreeze my credit to open a credit card. I called Equifax to do this, but they refused to do anything until I mail my social security card, driver 's license, and a written letter, and then wait 7-10 business days. 
I am not comfortable mailing such sensitive documents to the company using snail mail. They refused to provide any solutions other than the one I outlined above. 

They are extremely not forthcoming about what happened. I think part of the issue is that I moved twice this year. They tried to verify my address, but I might have told them addresses that did not match their files exactly.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed some inquiries that do not belong to me. 

XXXX XXXX XXXX - XX/XX/year> XXXX - XX/XX/year>
Product: Debt collection

XXXX at XXXX repeatedly failed to provide proof of debt. They attempted to fraudulently charge me the cost of a full carpet replacement knowing this collection was unlawful under Georgia Law. Additionally, they were required to provide me with an itemized statement no later then 48 hours post move out. This was never provided. This company then reported this amount to my credit knowing that this amount was inaccurate.
Product: Credit reporting or other personal consumer reports

Someone took a loan out in my name in XX/XX/year>. They purchased an ATV and also took advantage of using a third-party vendor to finance some of the purchase. The atv is paid/closed out on my behalf but the XXXX XXXX XXXXXXXX XXXX that they used isn't after tracking down the company. I filed a dispute with them. They don't have representatives that talk with you about fraud claims, you have to do everything via letter to the fraud team. Hey only speak with you when they are attempting to collect a date but once you explain your fraud case, they transfer you to an automated line. I explained to them in my letter that my identity was stolen by two peoples I suspected and had already filed police reports on them and that I didn't know anything about them and hadn't opened no account and had never received anything from them .They closed the account but they are still trying to collect this debt from me and or reporting to all three credit bureaus impacting my credit.
Product: Student loan

I recently received your email regarding my student loan account with Navient. I just wanted to clarify that I only have one private student loan with Navient ( formerly Sallie Mae ). I noticed that there were there was a couple of inconsistencies in their reply email, and I wanted to address it. 


1. We previously serviced two additional Private Tuition Answer Loans, which youve since paid in full. 
2. As noted above, the Holder Rule applies to direct-to-school loans. However, the proceeds of your three Tuition Answer Loans were sent to you directly at disbursement, rendering them ineligible for our School Misconduct review process.

Firstly, the email mentioned that I have multiple private student loans with Navient. This is not accurate as I only have one private student loan with your company.

I would appreciate it if you could review my account and provide me with accurate information regarding my student loan. Please let me know if there are any discrepancies that need to be addressed. 


Thank you for your attention to this matter.
Product: Credit reporting

Trans Union had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering because of this. No notice was given which is also a violation and I am requesting that ALL inquiries be removed : 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
Product: Credit reporting

On XX/XX/2017 and XX/XX/2017 I request that derogatory items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I also had requested the names, addresses and telephone numbers of individuals contacted during the investigation. The investigation took too long. and more than 30 days, etc. In addition I did not get proper notice of investigation status or results. As of this moment, Equifax have not done your duty mandated under the law. Equifax inaction in this matter is inexcusable, and your disregard for the law is contemptible. Equifax had 30 days to complete the re-investigation, yet you have failed to respond. On XX/XX/2017 Equifax failed to response within 15 days deadline. Attached copies of online dispute submittal Confirmation # XXXX, which have been delivered online both a dispute letter, dated XX/XX/2017.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Consumer Loan

Within 120 days of the Effective Date, not call a particular phone number related to an account if any person has requested, orally or in writing, that DriveTime XXXX stop calling such number or has stated, orally or in writing, that the consumer that DriveTime XXXX is trying to contact can not be reached at that number ; Must not communicate with any person including references. Requested to do so by the person after the account has become delinquent or DriveTime XXXX reasonably believes that the earlier response of such person is erroneous or incomplete and such person now has correct or complete location information ; and DriveTime XXXX has not had contact ( meaning outbound call with right party contact or inbound call, email, or letter ) with the consumer in 30days or more. Must not communicate with third parties, including references, after the third parties have requested, orally or in writing, that DriveTime XXXX not communicate with them must take the following affirmative actions within the time periods provided : Within 30 days of the Effective Date, not adopt and implement reasonable policies and procedures to prevent communications that would be violation damages to the accountholders. Must not communicate with consumers at their workplaces if consumers have requested that DriveTime XXXX not communicate with them at their workplaces fully aware DriveTime XXXX knows that the consumers ' employers prohibit communications to their workplaces XXXX of FL adhere no personal use company 's property business lines, fax, copier, email and computer system etc.. 

The written consumer information furnishing policies and procedures that Furnisher Rule in compliance effective date cease furnishing information related to a voluntary or involuntary repossession verified the information is falsehood written that must be permanently block the refurnishing of the inaccurate information the accountholder motion name XXXX instance that Motion Consent Order requires the Board to ensure adherence to, or undertake to perform, certain obligations of DriveTime XXXX, the Board must : a. Authorize whatever actions are necessary for DriveTime XXXX to fully comply Motion with the Consent Order ; Require timely reporting by management to the Board on the status of compliance obligations ; Require timely and appropriate corrective action to remedy any material non-compliance with any Board directives related to this Section and more.
Product: Student loan

There isn't any information as far I did put in for a dispute because I want these accounts deleted from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
This is what they are saying I owe but I don't have account numbers. I would like them taken off my credit report according to The Fair Debt Collection Practices.
Product: Credit reporting or other personal consumer reports

I SUBMITTED EVERYTING NEEDED TO REMOVE THE BAD INFORMATION ALSO REQUESTED ALL INFORMATION USED TO VERIFY NAME, PHONE, ADDRESS, AND DATES NOT WAS RECIEVED