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

My husband and I have been customers of Bank of America for XXXX years. 

We have a checking account, ATM cards, XXXX credit cards, a business account and a brokerage account with them. 

My husband and I are law abiding citizens who have white collar jobs and work hard. 

We received a notice in the email from the Compliance department asking my husband to verify some information. He tried calling but hold times were always XXXX mins or above when he tried to call. 

He did the next best thing. He went into a Bank of America XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX and provided all the requested information and was assured that everything would be fixed. 

The next thing I see on XXXX was that my account was frozen. I go to the bank and they said that the compliance has all the information they need but they need to speak to my husband ( who was travelling for work XXXX to release the freeze. 

By XXXX the account was closed and a check shipped off to my address. I have several bounced check fees. To make matters worse, they sold off XXXX of shares in my brokerage account making me susceptible to a large amount of tax without my express approval. 


This is JUST UNFAIR. No one at Bank of America XXXX not the bank manager/compliance dept/service rep ) seem to have any power/concern to fix this issue. 

We need justice!!!! COrporations should NOT have the power to wreak havoc on people and should provide the right measures to collect information ( in this case non -critical ) My husband is a green card holder and I am a citizen. My husband works for a top XXXX accounting firm and his direct deposit has been coming to that account for XXXX years. 

They only needed the immigration status and work information and they did this to us. Worse, they acted like there was no one in the ecosystem who could help.
Product: Mortgage

RE : XXXX Contacted Navy Federal CU to setup my mortgage payment this month. Due to recurring issues with car repairs I had to set the payment up in two installments, the first payment dated for today and the second payment dated for XX/XX/XXXX. 

I was told by a collections rep, by the name of XXXX/Employee ID # XXXX, that it was against their policy to set the payment up in installments. I have felt with this issue before with Navy Fed CU and advised the representative that he was incorrect and that he needed to set my payment up as I had requested. 

After dealing with his frustrating and harassing tactics for over 30 minutes he finally set the payments up as I had requested of him, in installments as outlined above. The employee did not act in accordance with their policies and procedures and I asked him on many occasions why he was refusing to take my payment. He refused to answer the question, primarily because calls are recorded. 

It seems to me that this tactic can be construed as Navy Federal CU causing consumers frustration and stress which could lead in consumers becoming delinquent with their mortgage payments. Navy Federal CU needs to put a stop to these harassing tactics - when consumers call in to make a payment they need to be accommodating and not harassing. I would like this concern to be made public and I want someone in Management or in the Legal Dept at Navy Fed CU to contact me. 

Lastly, I want to also mention that my mortgage with Navy Fed CU has never been more than 30 days late so I do n't deserve to be treated like someone who is n't paying their bills responsibly.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : EQUIFAX Account Name : 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 or other personal consumer reports

It has been drawn out that Credit Bureaus 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. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX BalanceOwed : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX BalanceOwed : {$1300.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX BalanceOwed : {$0.00}
Product: Credit reporting or other personal consumer reports

This account does not belong to me because the account is a third party account. I asked them to validate the debt and they could not. US 1681 ( e ) ( b ) states that " It shall follow reasonable procedures to assume maximum possible accuracy of the information concerning the individual about whom the report relates ''. I again request a copy of the original signed contract. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. I did not authorize those entities to run my credit. According to the ( FCRA ) section 609ala you are required to by federal law to verify through and all accounts that you post on a credit report. Otherwise anyone paying you for your debt is probably fraudulent. I demand verified proof. If you fail to validate remove from my account immediately. A copy of 1099C.
Product: Mortgage

On XX/XX/2020, I closed the mortgage with AmeriHome. XXXX XXXX   company disbursed the outstanding loan amount to AmeriHome as documented on XX/XX/2020 in two transfers as the total amount is more than {$200000.00}. AmeriHome received {$200000.00} as per their online statement. 2nd transfer of XXXX was not credited to the my mortgage account at the same date for some unknown reason. On XX/XX/XXXX, my bank account is debited for the monthly mortgage amount of {$3300.00}. I had opted for automated payment with AmeriHome. Since the mortgage was closed, i was not expecting a automated withdrawal from my bank. I contacted AmeriHome and they did not  know about the closing. I contacted XXXX and the new Mortgage Company to rectify the issue. They contacted AmeriHome. Later XXXX  company informed me that AmeriHome made a mistake and it is rectified and escrow and remaining amount will be credited or sent to me within 7 days. This  all occurred on XX/XX/2020. Today is XX/XX/2020 and I did not receive any check from AmeriHome as of today. Checked with them and they are saying that it would take 30 days even though their website/automated phone says within 20 days, escrow will be disbursed. For me it is 41 days as of today since mortgage is closed. Even with the mistake they made, they don't show any urgency to disburse the amount due to me, which is around $  XXXX. I'm not sure whether they charged any interest for the mortgage from XX/XX/XXXX to XX/XX/XXXX, which I'd like to get refunded.
Product: Mortgage

They gave me a hard time with the loan modification. They denied me twice.
Product: Debt collection

I first sent the collection on my credit on XX/XX/2023 I then reached out to the debt collector requesting information on this debt on XX/XX/2023. I was told that I Owed the XXXX XXXX XXXX XXXX. I advise I was not sure who this company was and how did the get my personal information I was told that the debt was sold to National Credit Syatems on XXXX. I advised I was not aware of this date and I would return the call at a later date because the person I was speaking to was rude and disrespectful she advised that my credit would be ruined if I didnt pay this full amount of XXXX I advised her that I didnt have that type of money and would call back after I verify this debt. Then on XXXX I called the company back asking for supervisor. Spoke with a supervisor she was also threading to ruin my credit advised the supervisor I dont have that type of money and asked if there was something else I could do to get h I didnt make the full payment in full ended the phone call the so this company does not set up payment arrangements. So I offered 5 % of the debt I was turned down. Im living with someone because of this debt on my credit is in dismay and I cant get my own place with this debt
Product: Credit reporting or other personal consumer reports

This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : XXXX XXXX XXXX XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681 , and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ;
Product: Consumer Loan

I purchased a TV and stand from Conn 's. I had unemployment insurance and thought that would cover my payments until I could secure another position. The insurance division refused to pay the payments stating that since I resigned ( this was a forced resignation ) that I did not qualify. 
They have been calling me at work, at home, on my cell, up to 8 times a day. 
This is harassment and illegal. I also told them to stop calling and they still are calling. 
Please assist.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXXXXXX XXXX XXXX
Product: Debt collection

XXXX   XXXX   XXXX  debt collection for T   XXXX   XXXX   XXXX   XXXX   has not sent me verification of the debt. I am requesting a breakdown of the charges from the  original creditor, sign rental agreement from the creditor, payment history from the creditor, verification of the debt. They are required by law too send me the documents not just validation of the debt a billing statement with my name. I keep disputing but the collection agency does not reply too my list.
Product: Credit reporting or other personal consumer reports

Hello, it has come to my realization that my XXXX took out credit in my name while I was at XXXX. This credit was not for me and now I have been stuck with this debt as he no longer can afford. This is pure ID theft and I have reached out to the XXXX companies and they have not replied back nor has the XXXX reporting agency. This is not fair as I am a new graduate and I can not be stuck with debt that i did not take out for myself. Please help me Accounts XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Debt collection

Please verify that this account belongs to me. I have no knowledge of this account. Please delete from my credit profile immediately.
Product: Credit reporting or other personal consumer reports

i am a victim of identity theft/XXXX XXXX and there are fruadulant accounts that are in result of this horrific nightmare that has happened to me. also i have called experian many times to remove the fruadulant address off of my experian credit report but they refusing to remove all the frudulant address off my current credit report, also equifax is refusing to update my current address on my credit report as well.
Product: Credit reporting

I reviewed a copy of my credit report and the companies below ran an unauthorized credit inquiry on me on date provided. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXI never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact each company and investigate such occurrence.
Product: Checking or savings account

On XX/XX/XXXX, I opened a checking account with XXXXSoFiXXXX The account comes with a bonus of {$300.00} after receiving a direct deposit of {$5000.00}. I received a direct deposit of {$5000.00} on XX/XX/XXXX. However, I didn't receive the bonus. After submitting an inquiry through customer service, I received an email from XXXX stating that the first direct deposit came in on XX/XX/XXXX, before the current promotion period. Per the terms and conditions, members who have had a prior Direct Deposit are not eligible for this promotion. Her statement isn't correct. I had an account with SoFi in XXXX, but the XX/XX/XXXX deposit she's referring to, WAS NOT a direct deposit, it was an ACH XXXX transfer from my account with another financial institution. Additionally, SoFi denied me the bonus in XXXX because that transfer didn't count as a direct deposit and I also had to submit a complaint with the CFPB at that time. CFPB Complaint ID XXXX, filed on XX/XX/XXXX.
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 much information or items which do not belong to me you are required by law to remove & block any items or information which is found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you. Please block/remove these items : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  Date opened : XX/XX/XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX Date opened : XX/XX/XXXX Balance : {$25000.00} XXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$280.00} XXXX XXXX XXXXXXXX, XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Date opened : XX/XX/XXXX Balance : {$1300.00} XXXX XXXX XXXXXXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$25000.00XXXX XXXX XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX XXXX XXXX Balance : {$650.00} ( Original Creditor : ) XXXX Balance : {$280.00} XXXX XXXX XXXXXXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX opened : XX/XX/XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$1300.00} XXXXXXXX XXXX XXXXXXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$25000.00} XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXXnquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX - XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX
Product: Vehicle loan or lease

Have tried to refinance loan due to high predatory interest rates and have not been able to do so as they charge a daily compounding interest rate of almost XXXX per day
Product: Student loan

On XXXX I logged into my studentaid.gov account and noticed there was incorrect information on my dashboard as well as on the downloaded NSLDS report. I called the Dept of Ed who told me to call my servicer. I explained that Mohela had the correct information on my online Mohela account and that it was the Dept of Ed who had the incorrect information. Dept of Ed said that if the information on my studentaid.gov account and my NSLDS was incorrect it was up to Mohela to provide the correct information to Dept. of Ed. I called Mohela who said they are, in fact, sending correct information about my account to the Dept of Ed but to go ahead a make an online complaint with Mohela. I made the following complaint on XXXX : " Hello, Please send my most recent loan information to the Department of Education. My studentaid.gov account has inaccurate information and requires an update from Mohela regarding my loans. On my studentaid.gov account under " Upcoming Payments '' the Due Date is XX/XX/XXXX. Under " My Activity '' it indicates an IDR Plan Request " In Review '' from XXXX. Also, in my My XXXX  Data its showing a Delinquent Date of XX/XX/XXXX. Again, please send my most recent loan information to the Department of Education so they can update my studentaid.gov account with correct information. '' As of XXXX I had not heard back from Mohela so I sent the exact same complaint again. Its now XXXX and I haven't heard back. Again, my account with Mohela is correct. It indicates that I've been making the correct payments on time and am enrolled in the SAVE program correctly. It is my account with Dept of Ed that is wrong and I believe may be why my loans haven't been forgiven with the one-time IDR account adjustment. I first went into repayment on a SLS loan in XX/XX/XXXX,
Product: Debt collection

Claimed a i owe an debt from XXXX  for the amount of XXXX, I am getting mail regrading this issue
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX, 2023, TransUnion credit bureau collided with XXXX Account XXXX ( a fraudulent company ) to harm my financial reputation. 

TransUnion allowed XXXX to reopen a closed account to deliberately affect my XXXX XXXX. 

This account has been challenged as fraudulent, and a cease and desist order has been placed upon them. 

They violated such order by contacting TransUnion to update my credit profile without deleting the identity theft information.
Product: Checking or savings account

I am a XXXX and have been for 32 years. I am now forced to use Key Bank, as they took over from XXXX XXXX. My account has lots of O/D CHARGES, due to the way they process the checks and deposits. I have a on line account so that I can see everyday the account balance. I have not had a negitive balance at all. They have bounced several checks from XX/XX/18 and on. 
I was never notified and did not receive any checks back. The employees at the branch don't know any information and can not help me. At this point I feel helpless and do not know where to turn. Many people in this area have left the bank due to confusion on their accounts. I would appreciate your looking into this bank and it's practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I submitted a dispute and a complaint with the CFPB about The 3 Consumer reporting agencies XXXX and XXXX and Experian are reporting and furnIshing inaccurate Information on my Consumer report. All 3 are reporting inaccurate and different information FRCA States all Information Reporting Must be Accurate in 4 days from todays date which is XX/XX/2022 it will be almost 60 days since I submitted my dispute and complaint with the CFPB to all three consumer reporting agencies only XXXX has responded since XX/XX/2022 which is XXXX and XXXX in the qualified time Frame. Now I have not heard a not one response from ( Experian ) at all whatsoever though i understand that each consumer reporting agency does not communicate with each other I do not see why it is taking so long for them to produce results to this inaccurate information i that i found from Experian when i placed the same dispute and complaint with XXXX and XXXX at the same time. 

I WANT TO KNOW WHAT IS THE VALIDATION VERIFICATION METHOD USED TO VALIDATE THIS INFORMATION __________________________________________________________________________________________________________________________________________ ENCLOSED BELOW IS PROOF OF EACH INACCURATE ACCOUNT IN PDF FORM EVERYTHING THAT I HIGHLIGHTED IN XXXX IS INCORRECT AND INACCURATE AND BY LAW MUST BE REMOVED!!!
Product: Credit reporting or other personal consumer reports

you and your account. 
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I submitted a dispute request to Experian through their website. But they did nothing to investigate the validity of this account like I requested. Because there are numerous inaccuracies listed under this account by the name of XXXX. With the account number attached as being XXXX. The date last active is inconsistently being reported by Experian as you can see. Which now is a violation of my consumer rights and I demand this account be removed from my credit report.