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

I confronted Bank of America in XX/XX/XXXX when I realized that bank of America gave away my direct deposit statements away to someone that's not on my account certified stamped and signed by a bank manager that worked at the bank and was later able to use in court. I found them in my daughters mothers financial packet at the courthouse. They said they would do an investigation and get back to me. I waited a couple weeks for them to get back to me and when I explained the issue to them and they told me that I should go get a police report in the state that it happened in. I then reached out to the CEO of Bank of America and he then had XXXX the regional manager for that region or branch call me. She then said she was going to do another investigation and get back to me within a week. She got back to me and said she couldn't find nothing but they will put a special team to overwatch my account. I told her that doesn't prove anything and asked what my case number was and she told me that she couldn't give me that information. I then reached back out to the CEO and got a call from XXXX again and she said they would give me {$500.00} dollars for what I went through and I declined the offer. My daughters mother was able to use my proof of income coming from the XXXX to scheme the system and manipulate her finances in her favor to get more money out of me. I recently reached out to XXXX XXXX the resolution specialist a couple times last week then got a call back from her on XX/XX/XXXX and she stated they weren't able to verify the time and date of when this occurred when I have the proof of when it did it states XX/XX/XXXX and she also said it was to long ago and said because I have my mother on my account that it could have been her. All it looks like is that bank of America knows they messed up and isn't trying to own up to there former manager signing off on a certified document and having a way of not being caught in the system. That is not my issue that they can't verify or find out the exact date and time of when she did it, all I know that it was signed and had all my recent direct deposits from XXXX to XXXX because she had court on the XXXX of XX/XX/XXXX. It was found at the courthouse and used fraudulently without my consent. They should have a system in place that employees or managers can't get into your information without having my consent to give away my information so freely to someone that has no right to have my personal information in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list below has Below has violated my Federal Protected consumer rights To privacy and confidentiality under 15 USC 1681 rights.

XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, 15.U.S.C 1681 section states i have the right to privacy. 15 U.S.C 1681 Section 604 A section 2 : states. Its also states consumer reporting agencies can not furnish account without my written instructions. 15 U.S.C 1681c [ a } [ 5 } Second states no consumer report agency may make any consumer reporting containing any of the following items of information any other adverse items of important. Any other items 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 a consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate
Product: Debt collection

I requested MRS BPO LLC remove this debt from my XXXX and XXXX credit report because I'm not liable for this debt they are reporting derogatory marks on my credit report which are having a negative affect on my credit I have never been in contract with MRS BPO LLC there are no signatures of mine on any contracts with MRS BPO LLC also they have been aggressively trying to get me to pay them I'm currently under duress because of there tactics to destroy my credit this is a violation of 15 USC 1692d Harassment or abuse, 15 USC 1692b, 15 USC 1681e, 15 USC 1681b
Product: Credit reporting, credit repair services, or other personal consumer reports

This showed up on my credit report as a hard inquiry. XXXX/ XXXX . As a inquiry of XX/XX/2020. Cant call the company. Looks like fraud to me. I did not inquire.
Product: Credit reporting or other personal consumer reports

I've found again that my credit report has erroneous information for the second time. According to Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ), the XXXX credit bureaus must check these accounts ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance {$1500.00} XXXX XXXX XXXXXXXX Balance XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in multiple letters ( give a date that is back dated about 60-90 days ) addressing these situations and you ignored my letters, However, I need these laws applied to my report or I will take legal action. 
15 US code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U, S code 1692k civil liability
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX SQ XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

My direct deposit ( approximately {$1400.00} ) and my husbands ( approximately {$1000.00} ) usually show up Thursday morning around XXXX. When it still wasnt there Thursday afternoon we looked into it and found we werent the only ones. I called and after being on hold for 3 hours they said it would be fixed by Thursday night. Its Friday at XXXX now and Ive heard nothing else and it isnt fixed. Theyve been processing stuff out of my account but cant release my pay into the account?! Now they wont even give an update.
Product: Debt collection

XXXX is attempting to collect a debt that stems from an account opened without my permission due to identity theft.
Product: Mortgage

In XX/XX/2016, I sent a letter to Ocwen Loan Servicing ( OLS ) that it was becoming difficult to meet my current mortgage commitment loan payments ( Exhibit 1 ). I did not receive a response from OLS for 45 days. OLS suggested a loan modification and I agreed.

My complaint is that the process consumed nearly a year. I have signed many loans over my life and I expected the process would take one or two months the length that normal loans take to complete. The loan listed above was underwritten by XXXX XXXX and took one week to complete. With OLS it took a year to modify.
Product: Student loan

I have three complaints 1. Three years ago my husband ran out of forebearances and deferments on his loan and Navient said that his repayment would be {$590.00} a month ( {$60.00} was to principle. ) He told them we could n't afford it and they checked his income again and said that was the best they could do. We made payments ( under extreme financial duress ) for 8 months. Then my loans went into repayment also - {$450.00} and we could n't pay anymore. Navient would n't help either of us. 
Finally when we came close to defaulting, I recieved a call from XXXX and the man on the phone told me about the IBR plan, which had been in effect this whole time. 
Navient NEVER mentioned it. 
My husband and I applied for an IBR plan and our repayments were set at {$170.00} and {$180.00}. 
During the two months that Navient considered our applications for the IBR they continued to charge us the former payment and claimed that we still owed it. 
2. I 've now been in the IBR repayment plan for 3 years. Each year though I begin the recalculation process and Navient screws it up, loses paperwork, stalls, takes two months or more, loses mine or my husband 's paperwork, or claims that we clicked a wrong button ( this year apparently my husband claimed that he did n't have a wife even though they service my loans, had already approved my request for an IBR based on his income, and every other year I am on his IBR request ) During the months that it took to get the IBR request reinstated Navient charges us for missed payments. 
3. Right now we are on a {$0.00} repayment because my husband was out of work. While the IBR was recalculated last spring it took 3 months to get his paperwork right. He was charged {$1700.00} during that three months and even though he does n't owe any IBR payment, they want him to pay the {$1700.00} while we waited for them to calculate my IBR. Navient calls him twice a day demanding payment, even on holidays. he no longer answers the phone.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

The details of the fraudulent account is as follows : 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
Product: Mortgage

On XX/XX/XXXX I went to valley national Bank XXXX XXXX New Jersey I contacted XXXX XXXX XXXX. As I walked in manager already realize I received a letter by mistake and that that was the reason I was there. But since this is not the first time I received letter by mistakes at this moment I want a reevaluation of my entire mortgage. I know the manager don't deal directly with the mortgage department and he is trying to do everything on his hand to get everything fixed. I am tired of receiving letters of not receiving payment, payment is late, payment is still in suspend because they can allocate where to post my payment and now a letter telling me that I haven't paid my mortgage for 6 months. This is an ongoing situation for years in which I am trying to resolve now once and for all. The trust that I had in this Bank is no longer in me, therefore I really want a completely reevaluation of my mortgage in writing. I want to make sure everything is order. Computers don't do mistake but humans do. 
I will appreciate any help that I can get from you. XXXX XXXX
Product: Credit card or prepaid card

To whom it may concern, I recently received a credit history report which made me acknowledge an old account on my credit report. Its dating 6 years and 9 months on my credit report. Its a chase credit slate card -account # XXXX I would like to have it removed from my credit history as its too old to be visible on my credit report. I was never informed my account was closed or to to dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX Balance : {$4500.00} XXXX XXXX XXXX XXXX Balance : {$66.00} XXXX XXXX XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$680.00} XXXX XXXX Balance : {$450.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

I do not owe this debt I request all of the following information be provided to me by mail: Documentation showing you have verified that I am responsible for this debt, or a copy of my signature with a signed contract with this company. Otherwise I asked that you remove this debt from my credit file as it is reflecting negative on my file and is making my file look bad
Product: Credit reporting

I have been disputing the same collection for to years. The account in question is a collection for a checking account with what was then XXXX XXXX. The date of assignment with the collection agency was XX/XX/XXXX. This account remained open and active with XXXX XXXX until XX/XX/XXXX at which time I closed the account with a XXXX balance due to XXXX being unwilling to allow me to have a checking account unless I had overdraft protection. So I closed my account. I disputed the collection with all XXXX CRA 's and it was deleted from all but Experian. In my multiple disputes of this account I have sent Experian documentation of both deposit and withdraw activity on the account in question AFTER the date that the account was said to have been put into collection. I also sent them documentation from XXXX stating the account was closed with a XXXX balance on XX/XX/XXXX. Experian 's response was that they verified the account info with the collection agency, and the the collection will remain. I believe that Experian is violating the Fair Credit Reporting Act, and the new settlement agreement that all XXXX CRA 's entered into the the NY state Attorney General.
Product: Credit reporting, credit repair services, or other personal consumer reports

KOHLS/CAPONE shows balance of {$63.00} when it has been paid off
Product: Checking or savings account

XX/XX/XXXX {$4800.00} was authorized and posted onto my checking account on XX/XX/XXXX ( an action not done my me ) XX/XX/XXXX a tele transfer of {$8000.00} was transferred my Savings account into my checking account ( an action to done by me ) XX/XX/XXXX a tele transfer of {$210.00} was transferred from my Saving account into my checking account ( an action not done by me ) XX/XX/XXXX a tele transfer {$30.00} was transferred from my second Saving account into my checking account. ( an action not done by me. ) XX/XX/XXXX a tele transfer of {$5000.00} transferred from my savings account is posted onto my checking account. 

XX/XX/XXXX a tele transfer of {$210.00} is transferred from savings account and posted onto my checking account. 

XX/XX/XXXX a cash advancement of {$5900.00} was authorized from my credit card ( an action not done by me ) On XX/XX/XXXX towards XXXX, I noticed these transactions and called Wells Fargo to issue a fraud claim and to close those accounts affected and create new ones. 

XX/XX/XXXX when the new checking account was created all the tele transfers that were made, were posted there. 

XX/XX/XXXX {$9800.00} was taken from my account ( an action not done by me ), I assume because it was such a huge transaction it needed a day to post to my account. 

a couple of days prior to all this happening I received a notification from XXXX stating I was part of a data leak. Both my credit card and debit card were on my XXXX connected to XXXX XXXX. Both my username and password saved onto my XXXX allowing access to my online banking. 

XX/XX/XXXX I called the credit card department to file a fraud claim, and they stated they'd notify me of the investigation status within 10 business days. I never received a phone call, so I called to realize they didn't properly filed the fraud claim, so it was never made. I went through the process again with them, and made sure the properly made the claim. I'm currently waiting the status. 

XX/XX/XXXX the claims department for Wells Fargo contacted me and notified me stating they found no fraudulent transactions.
Product: Credit reporting or other personal consumer reports

I was looking at my report and notice there were some things that was not correct. I sent a letter to Experian on XX/XX/year> IT HAS been more than 35 days, Experian still haven't responded to my letter. That a violation of 15 USC 1681i ( a ) ( 1 ) ( A ) Under 15 USC 1681 ( a ) ( 1 ) ( A ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation lo determine whether the disputed Information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXXday period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

I want the CEPB to publish this description on consumerfinance.gov so Delete ALL accounts immediately because it is a volitation of 15USC. 1681i ( a ) ( 1 ) ( A ) XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete ALL accounts immediately because it is a volitation of 15USC. 1681i ( a ) ( 1 ) ( A )
Product: Credit reporting, credit repair services, or other personal consumer reports

Me and my son were lied to by XXXX XXXX back in XXXX of XXXX XXXX we were promised for rebates for signing up for their service only one of which we received and I said spent a obscene amount of time calling and emailing and even texting the representatives to have them correct the situation which was never done in addition to being charged nearly {$250.00} a month for the two lines when I was promised that the two liens would be {$50.00} per month I even had to takeoff of work to call them because it got so ridiculous and I filed a complaint with the XXXX XXXX XXXX and I have also already previously filed a complaint with your agency before they reporting to my credit bureaus which they just recently did and they need to take that off of there if they would like to take legal action against me they are welcome to do so aside from my credit report and I would be glad to show up for that with my son as a witness. They cost so much frustration in our lives during a time and which me and my son had a positive Covid test and were quarantine to our home and I was trying to do work from home with him home when as I told XXXX when I called them me and my son both have XXXX and also XXXX which I have recently been diagnosed on that XXXX as having as well as the XXXX diagnosis and I told them of these medical concerns at that time when their representatives were unwilling to help me and also of our medical concerns pertaining to COVID-19. I do not owe them the amount of money that they are claiming that I do in fact I should not owe them any money at all for the problems that they caused in my family life as during that frustration I ended up losing my job and have still been unable to obtain employment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions