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

Ive been a Bank of America customer since XXXX, and had a checking account ( # XXXX ) that was a victim of fraud back in XXXX XXXX. I submitted several claims to dispute these fraudulent transactions, and while some were initially credited, they were reverted stating that I approved these purchases, when that wasnt true. Since then, Bank of America has been neglecting my disputes and not properly investigating my claims ( stating they no longer have access to them ), to the point where they now state that I owe money on this account that has been closed since XX/XX/XXXX. 

I went through all the proper channels and did all the right actions they requested from me while these fraudulent transactions were happening ( changing my login information, getting new cards, etc. ), and they assured me that this would solve the issue. This didnt solve it given that the offenders somehow still had access to my banking information and continued to make fraudulent transactions. 

I filed a police report ( # XXXX ), and submitted the following claims to Bank of America XXXX XXXX, XXXX, and XXXX. The latter was never even credited, while the first two were initially credited, then apparently taken back after I took out all my money out of the account to avoid more fraudulent transactions from happening. Since then, they send me monthly emails stating that my account is charged off and that I owe approximately {$6000.00} on it. 

Since XXXX, Ive been trying to re-open these claims and have been sending thorough proof that these fraudulent transactions were never authorized by me ( they were even happening out of country, in places like XXXX and XXXX while I was in the United States ). Their fraud department has been subpar in sorting this out, and theres no way to get the point across to them that these transactions were not done by me. To this day, I keep calling and faxing information showing proof, yet every department I talk to is not the correct one and they cant even tell me where that owed amount is coming from. No one seems to have access to anything, and they just transfer me to another department. Its unheard of that a company this big can have such archaic methods of getting these issues sorted out. 

I submitted a claim to the Office of the Comptroller of the Currency ( Case # XXXX ), and I am now submitting my issue through the CFPB so that everyone knows how shady and unhelpful Bank of America is with their customers. Im still a Bank of America customer despite the disappointment of resolving this issue, but this will soon change. Please help get this resolved.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 card

I am filing a complaint regarding Alliant Credit Union 's failure to address a credit card dispute I submitted on XX/XX/year> for my Alliant Visa card ending in XXXX. 

The disputed charge is as follows : - Merchant : XXXX - Date of charge : XX/XX/year> - Amount : {$230.00} On XX/XX/year>, I discovered that the tickets purchased from XXXX were fraudulent. I contacted XXXX on XX/XX/year> to request a refund but have not received a response. 

I submitted a formal dispute to Alliant Credit Union on XX/XX/year>XXXX  regarding this charge. However, as of XX/XX/year>XXXX  : - I have not received any confirmation that my dispute was received - I have not received any response or updates on the status of my dispute - No action appears to have been taken on my dispute This lack of response violates my rights under the Fair Credit Billing Act, which requires credit card issuers to acknowledge disputes within 30 days and resolve them within 90 days.
Product: Mortgage

I filed a complaint # XXXX on XXXX/XXXX/15 about my deed in lieu with the Bank of America. I received a letter dated XXXX XXXX, 2015 from the Bank of America stating that an approval was granted for the {$2000.00} which was mailed out. On, XXXX XXXX, 2015 I received an email from XXXX XXXX that they needed a XXXX completed. I completed it on XXXX XXXX, 2015 and emailed it back. On, XXXX XXXX, 2015, I received an email XXXX that Bank of America is unable to assist with my request of the whereabouts of the {$2000.00} check.
Product: Checking or savings account

I stopped using my wells Fargo account because Im XXXX they started to take out money even though I didnt have any transactions linked to that account I switched to XXXX XXXX XXXX all my bills moved to that one but money was still being taken out an charged to the wells Fargo account all the way up to now I just recently closed the account but it was negative {$860.00} an my savings was negative {$64.00} because of the over drafts which were scam transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name and address is incorrect, I have repeatedly asked for them to update my credit file and they refused to do so.
Product: Debt collection

They violated HIPA long. The hospital was no longer supposed to sell my information to this company
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( 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 to 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 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2023 a Unauthorized inquiry was made to my equifax report
Product: Vehicle loan or lease

On XX/XX/XXXX noticed that my last payment was on XX/XX/XXXX Of {$370.00} and there was a credited {$600.00} on the loan. The next payment due Date was onXX/XX/XXXXof {$370.00} from XX/XX/XXXX when i noticed XX/XX/XXXX was beimg skipped over and had called customer service to confirm that there wasnt an error on the app and customer service rep said correct you do not have a payment due on XX/XX/XXXX the next due payment isXX/XX/XXXXThen XX/XX/XXXX comes around and i get a call from them stating i was 29 days late and that on XX/XX/XXXX payment for {$370.00} my payment from 2 month prior XX/XX/XXXX was sent back and the credit of the {$600.00} was removed, they said they sent the {$370.00} to my wifes bank account for some reason which it wasnt sent back to my wifes bank account. And when i had went in the bank to talk to them today XX/XX/XXXX, they didnt have my social security number nor My drivers licenses on file so i dont really know how i got approved for a loan through there bank. And they have no interest in helping me with there error i had even called in on as a respectful borrower should do when they notice a discrepancy in payment dates.
Product: Credit reporting

I sent a complaint to Transunion over a moth ago and they have yet to respond. I have been disputing accounts on my credit report that are inaccurate. They have failed to send me proof of how they investigated my dispute. By law they are to respond to me within 30 days with the original contract that I have signed. If they can not prove the the items I am disputing are mine according to the FCRA section 609 law then those items must be removed. What Transunion is against the law and I am in the process of filling suit.
Product: Debt collection

Summary of the Incident : I am submitting this complaint regarding a fraudulent debt reported by Navy Federal Credit Union ( creditor ) under account number XXXX. I was never notified about this debt via mail, nor was I given the opportunity to dispute it, which violates my rights under multiple federal laws, including the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Truth in Lending Act ( TILA ).

Details of the Violations : 1. Failure to Provide Notice ( FCRA Violation ) : Under 15 U.S.C. 1681g of the Fair Credit Reporting Act ( FCRA ), I am entitled to written notification of any adverse information reported on my credit report, including details about the alleged debt. Navy Federal Credit Union failed to provide me with this notice, depriving me of the opportunity to dispute the debt, which is a violation of my consumer rights.

2. Fraudulent Debt Reporting ( FCRA Violation ) : The debt in question is fraudulent. Under 15 U.S.C. 1681c-2 ( a ) ( FCRA Section 605B ), no entity has the right to report information related to identity theft or fraudulent activity on my credit report without my permission. I did not authorize this debt to be reported. The fact that it appeared on my credit report without proper validation or authorization is a violation of my rights under the FCRA.

3. Failure to Validate the Debt ( FDCPA Violation ) : Even though Navy Federal Credit Union is a creditor, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), they are required to validate any debt upon my request. I have not been provided with sufficient proof of the alleged debt, which violates this provision.

4. Violation of the Truth in Lending Act ( TILA ) : Under the Truth in Lending Act ( 15 U.S.C. 1601 et seq. ), creditors are required to provide clear disclosures of all terms associated with a loan or credit agreement. In this case, no such disclosure was provided, further supporting that the debt is fraudulent. The failure to provide the required disclosure documents violates TILA regulations.

5. Unfair, Deceptive, and Abusive Acts or Practices ( UDAAP Violation ) : Under the Dodd-Frank Wall Street Reform and Consumer Protection Act ( 12 U.S.C. 5531 ), creditors are prohibited from engaging in unfair, deceptive, or abusive acts or practices ( UDAAP ). Reporting a fraudulent debt without providing proper notice or validation constitutes an unfair and deceptive practice, causing harm to me as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THAT THERE ARE MULTIPLE ACCOUNTS APPEARING ON MY FILE THAT ARE NOT MINE. THE ACCOUNTS LISTED BELOW UNDER ACCOUNTS TO DELETE, ARE NOT MY ACCOUNTS THUS REFER TO ATTACHED IDENTITY THEFT POLICE REPORT. 
I HAVE SENT DISPUTE LETTERS ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX BUT TO DATE I HAVE NOT RECEIVED ANY RESPONSE FROM YOUR COMPANY. YOUR FIRM COMMITTED SIX 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA STATUTES. PLEASE DELETE THE BELOW ACCOUNTS AND REFER TO THE IDENTITY THEFT POLICE REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020, I sent a certified letter to XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX requesting verification of the debt I allegedly owe. In addition, I sent dispute of the balance to all three major Consumer Reporting Agencies ( XXXX, Transunion, and XXXX  XXXX. I never received a response back for the information I requested. From my understanding I have a right to dispute this information and receive a response. The Fair Credit Billing Act ( FCBA ) lays out consumers ' rights to dispute credit card issuers ' charges : Consumers have 60 days from the time they receive their credit card bill to dispute a charge with a card issuer. Charges must be over {$50.00} to be eligible for dispute. 
For easy read I am pointing out the following inaccuracies : The account has not been properly noted the account was and is being disputed. 
Secondly, from my understanding Metro 2 is the industry standard used to help maximize possible accuracy. The following fields are not being reported or being reported inaccurately. XXXX  XXXX XXXX Account is reporting inaccurately, because the account number XXXX has been redacted ( Report the individual 's complete and unique account number as extracted from your file ). The account number is redacted and could be any range of numbers belonging to anyone. This is also, a possibility of this being a mixed or merged account. Do not include embedded blanks or special characters. XXXX XXXXDate of First Delinquency is incomplete, because no Date of First Delinquency is being reported on this account. XXXX XXXX-Date closed is incomplete, because it is not being reported. XXXX  XXXX Date of last payment is incomplete, because it is not being reported.
Product: Credit reporting

Equifax continues to report inaccurate information on my credit file. 

They are reporting several public records that have not been verified to include, a Chapter XXXX Bankruptcy and XXXX released tax liens. Once I disputed, they updated the information and/or records but failed to verify the information and closed my dispute within 4days of receiving the information. 

Chapter XXXX Bankruptcy : If a proper verification was ever completed, Equifax would have known that the public records should be deleted due to the falure to retrieve verification documentation alone. The Bankruptcy has never been verified as they stated. This is due to the fact that my consumer file with XXXX, whom they claim they verified through, was at the time of verification FROZEN and thus could not have been. They falsely reported they did, closing my dispute in 10 days. 

In regards to the tax liens, according to their own website and printed on the dispute results attached " A paid TAX lien remains on file for 7 years from the date released or upto 10 years from the Date filed, whichever is earlier ''. One lien was filed XX/XX/XXXX ( XXXX ) and the other was XX/XX/XXXX ( XXXX ) these accounts should not be on my records. 

XXXX continues to violate my rights by falsely reporting they have verified public record information when they in fact have not. And they also refuse to delete inaccurate information that should have ultimately been taken off my credit file in time. I would like these deleted IMMEDIATELY as they are negatively affecting me as a consumer and violating the FCRA.
Product: Credit card

The below disputed charge from XXXX was rebilled to mystatement. 
Can you please let me know why this disputed charge hasbeen rebilled again.
Product: Mortgage

why they are not waiving legal fee, late fee, inspection fee and interest charges, they are not replying, I already paid 9 months of payment XXXX days ago. 

Spoke with XXXX XXXX on XX/XX/2024 at XXXX XXXX, and she asked me to send a fax to XXXX on the fax number - XXXX and all of my fees will be waived, I did send the fax but the fee hasn't been waived. 

Why are you harassing me?
Product: Credit reporting

I am submitting this complaint about transunion. I have XXXX accounts on my credit report ( XXXX and XXXX ). XXXX accounts are listed on my report as negative with a deragtory remark ... I contacted the bank who holds these XXXX accounts and received additional supporting information that the accounts should be listed as accounts in good standing and the deragtory remark removed. I upload these letters to transunion but it was rejected. I sent in via mail now the copies of the letters. I also tried to re-dispute this information so when they receive a response from the XXXX creditors they will receive the letter and fix my credit report. Transunion will not let me re-dispute this information. I also have an account on my credit report ( XXXX ) that is a fraudulant account. I spoke with XXXX in fraud investigation dept at XXXX and was told this account will be removed from all XXXX credit reports. I am still seeing reporting on my credit report. I am submitting this complaint because I have been spending countless hours and days trying to contact all XXXX credit reporting companies and I am getting nowhere. This is very fustrating because it is having a negative impact on my credit score.
Product: Mortgage

I was taken out of work on XXXX XXXX and requested financial assistance from Select Portfolio Servicing. I was approved for Principle and Interest Payments for up to 12 mos. I then set up automatic payments with XXXX XXXX to be taken out of my account each month. Apparently, there was some fraudulent activity that occurred and the bank froze my account. Once this was corrected payment from the bank went out. Unfortunately, it was not accepted and I was kicked out of the program. I offered to get a letter from the Branch Manager who would clarify the error made was on their behalf but it was declined by SPS. Due to my decrease in income I was unable to make the full payment until I was released back to work in XX/XX/XXXX. It was then that I was able to start making full payments again. I went to make my in XX/XX/XXXX and was told by the rep at SPS that they stopped taking all payments from me and demanded that I pay all the arrears ( {$30000.00} + ) in order to reinstate my mortgage. I have applied for assistance several times, especially because I am now furloughed from my job due to Covid 19 yet still have been continuously denied. I had no choice but to file Chapter XXXX in XX/XX/XXXX just to stop the foreclosure on my home. They are raising my interest rate on XX/XX/XXXX and the new payment is considerably higher and unaffordable due to being furloughed and not having my normal income. SPS is working with other homeowners in regards to payment assistance but refuse to help me for what I believe is due to the fact that I have equity in my home and they would make a substantial amount of money if they were able to obtain through foreclosure. Whats really upsetting about all this is I was a XXXX XXXX XXXX XXXX  back in XXXX when the market crashed and lost my job due to all the predatory lenders that were extending loans to unqualified people and the banks were given high bail outs. Now here I am needing financial assistance during a Nationwide Pandemic and I cant get it.
Product: Student loan

On multiple occasions in the past, I have tried to ...

1. ) Lower my monthly payment due to income issues, but was told I had to pay what the payment was set for.

2. ) Make a payment arrangement, but was led into forbearance.

3. ) Remove the co-signer on the loan, but was told I had to make a ridiculous amount of payments first. Also, they never sent me the paperwork for the removal after said payments were made. 

I also believe that they have charged me late fees that I am not responsible for, and I see payment reversals on my payment history that I know nothing about.
Product: Debt collection

Continuing to attempt to collect on a debt that was discharged in a chapter XXXX bankruptcy 3 years ago. Was an ineligible student at an ineligible school that is not accredited in the United States. This makes the debt dischargeable in bankruptcy. Company has been notified multiple times of this fact and continues to attempt to collect. The company is NOT a nonprofit. These facts in place means the loan is able to be discharged in bankruptcy. They continue to report negative information on my credit report denying my right to a fresh start and causing much distress
Product: Checking or savings account

Once again I'm lock out of my Robinhood account and not one of my issues have ever been resolved!

And what's the point of this company if you can't help or inforce anything I continue to be a victim of all this wrong doing and have not received any help whatsoever thanks for wasting my XXXX time!
Product: Checking or savings account

On XX/XX/2022 I made a complaint about a dispute of the invested amount I need back because of the merchant bankruptcy it's been more than long enough to receive the dispute amount. I also can not make payments because my account being restrained for more than 10 business days all because I wanted to make a dispute for the invested amount the merchant owes me. I need a dispute and also my account being unrestrained I'm very disappointed.
Product: Checking or savings account

I am a member of XXXX, and evidently my identity has been stolen, I keep getting notices that someone is trying to open up an account either a checking account or a credit card in my name and they have all my pertinent information
Product: Money transfer, virtual currency, or money service

I opened an account with the CASH APP application and now want to close the account. When I try to close it, they send a QR code that you have to use but all it does is make you confirm a code and then sign up for Cash app again. They don't have a valid way to really close your account. The QR code leads you to add your debit card and it is like having to sign up all over again instead of a valid way to close the account. I DID remove my debit card and credit card accounts from the card but want to completely remove the card and close it with all my identifying information. My Spouse wants to close his account too ... My complaint is that CASH APP is making it very difficult for consumers to close their account and remove their information.
Product: Debt collection

I disputed my medical debt with XXXX and XXXX under the AARGON AGENCY INC and they both removed this debt from my credit report due to a violation of my HIPPA rights. XXXX is refusing to remove after disputing despite me making an attempt which is also violating my HIPPA rights. Ive sent out a letter to XXXX about this matter as well on XX/XX/2023. Im attaching the letter sent and proof that the other Bureaus such as XXXX and XXXX has removed this debt from my account.
Product: Mortgage

I have a USDA loan, I have a financial hardship my son totaled my car, I worked XXXX XXXX. Lost my cleaning  accounts due to no transportation. I live in a rural area with no public transportation. Single mom of XXXX kids who father passed the way. My son totaled my car it became very difficult to pay my bills.started getting behind on my mortgage. Called Rushmore my lender explained my Hardship. They said to complete a borrowers assistance package, I did many, many times they kept saying they were missing a paper the same paper I mailed and emailed more than 15 times. They kept playing the never received paper game with me, kept switching single point of contact and I had to provide all forms again for nothing. Rushmore never once tried to help. By law they need to provide me with 3 modification before putting in foreclosure because my mortgage is insured by the government. Did not receive no type of help or modification instead Rushmore filed a mortgage lawsuit against me. In XXXX county Florida. Were acting in bad Faith and completely negligent servicing my loan. They just want to keep adding late fees and put me out the house because it has went up on price. I don't know what to do. Rushmore know they were negligent and acting in bad faith. I lost money with 2 law offices that were supposed to help never did nothing like Rushmore kept playing with me and took my money.