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

Bank of AmericaXXXX On Saturday, XX/XX/2023, I went to my local atm to deposit 10 checks I had stored away, one check for {$300.00}, one for {$200.00}, two for {$50.00}, one for {$50.00} and six for {$100.00}. After I had inserted the checks into the machine I clicked to finalize the checks. As they were depositing the atm froze and rebooted with no trace of my checks in my account or any confirmation email. I contacted customer service of Bank of America and filed a dispute. During our conversation she told me that they would conduct and investigation but I may not receive any money if they cant find my checks on the server. I told her that I doubted the checks were fully uploaded to the server. I also asked why they couldnt check the atm to see that my checks were in there. She had no idea how the investigation worked. Therefore I filling this complaint to ensure my checks will be fully deposited.
Product: Credit reporting, credit repair services, or other personal consumer reports

You are reporting a collection account by XXXX XXXX XXXX XXXX. I have never done any business with them nor do I have any contracts with them or given them my consent to report this. I also don't owe them any money nor do I owe XXXX XXXX  money. Please remove this asap as it's against my rights. 

Collection Agency XXXX AND XXXX XXXX Original Creditor Name XXXX XXXX  Date Assigned XX/XX/XXXX Original Amount Owed {$4600.00} Amount {$4600.00} Status Date XXXX XXXX, XXXX Status XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Here the Steps XXXX. Sent numerous Disputes letters stating that this information False and inaccurate to no available the credit bureau ( XXXX Tranunion, XXXX each time came back verified .Ask for Methods of Verification- burden of proof And the name of the Person that provided the verification and they ignored each request they Start sending stall tactics lettersXXXX are trying to stall me hoping that I will stop. XXXX.Filed a complaint CFPB complaint -came back verified no action taken by you guys. XXXX XXXXFiled a complaint with my State attorney General office. 4.Contacted the original collection agent to verify what they had in theirs files and that investigation was NEVER done. 5.Email XXXX XXXX  as last resort before I Sue them.
Product: Student loan

SALLIEMAE : They are supposed to be there for students, when you sign-up for student loan, but they tried to make your life miserable with continuous calls even during pandemic. They will mess up your credit Score for no reason and backed out on already approved loan while you are in school. They have incompetent financial management and will even call you on weekends and past XXXX most time. After you explain your struggles with repayment, they will continue to harass you and your cosigner for life. Stay away from them. Right now! I covered all the listed interests and a mount after their account is not recognizing it, already calculated interest rates for that same month. Random people and rude financial agents will continue to Harass you nonstop
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize these inquires into my credit. I called these companies and they said that they can not help me. 

Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Miscellaneous and public record Contact info Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Finance, personal Contact info Address XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Finance, personal Contact info Address XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Finance, personal Contact info Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Finance, personal Contact info Address XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Banks and XXXX & XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Finance, personal Contact info Address po box XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Finance, personal Contact info Address po box XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Automotive Contact info Address XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone number ( XXXX ) XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Home Furnishing Contact info Address XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a mortgage with Nation Star/Mr. Cooper and the house transferred in XX/XX/XXXX & they still showed delinquency in XXXX that should not be reported.
Product: Mortgage

We assumed a VA loan from Freedom Mortgage in XX/XX/XXXX, and at no point during the assumption process or closing were we informed that it was an adjustable-rate mortgage ( ARM ). All documents provided at closing indicated that the interest rate was fixed. 

In XX/XX/XXXX, we noticed on our paper statement a note next to the interest rate stating " until XX/XX/XXXX, '' which raised concerns. This was the first indication we received that the loan might be adjustable. We immediately contacted Freedom Mortgage, and they confirmed the loan is an ARM. 

We requested the Adjustable Rate Mortgage Disclosure in XXXX, but as of today, we have not received it. The lack of disclosure during the assumption process and closing, coupled with the delayed provision of the required ARM disclosure, has caused significant distress and confusion. 

We seek assistance in addressing this issue, ensuring compliance with disclosure laws, and obtaining the proper documentation.
Product: Vehicle loan or lease

On XXXX my vehicle was repossessed. I asked the repo agent not to take the car and was told, he had to. This did XXXX the XXXX in my apartment complex. I spoke with a service agent at Innovate auto loan services and made a payment on XXXX of {$200.00}. The agent stated if I made a payment of {$100.00} my car would be removed from repo status and I could defer any remaining past due payments. I made a payment of {$100.00} on XXXX. All calls are recorded. After the car was picked up from my residence, I spoke with a XXXX and was told after XXXX hours my car would be sent to auction. The XXXX stated my lender gave them permission to repossess my vehicle. On the contract is shows XXXX XXXX XXXX and the lender. However, XXXX XXXX XXXX stated as of XXXX an assignment of contract went to XXXX. I never received notice of this. On the contract Innovate Loan Services did send me, it shows XXXX XXXX as the lender. When I asked for an updated copy of the contract with my signature, the Innovate XXXX told me I would not be given a copy and to just make the payments needed to gain possession of my vehicle if I wanted it back. I have been requesting information via email and have not received a response in the XXXX hour turn around time they offered. I called again to Innovate Loan Services and was told I called too much and there will be no additional information that they would give me. I did request a XXXX XXXX and did not receive a response. I also requested a breakdown of how my payments were applied toward my account. I was sent statements and pay history. My end goal is to gain access to my vehicle that Innovate Loan Services dba Innovate Auto Finance or Pagaya ( XXXX XXXX ) has fraudulently obtained. And for all fees to be paid by the above name companies.
Product: Vehicle loan or lease

I Called into Chryslers cap back in XX/XX/XXXX to get an extension on my car loan. I went through the process with the rep over the phone ending the call believing my extension was granted. A few weeks later I received a letter stating my car was going to be repossessed because I was more than 30days past due. I brought the account current and call Chryslers to see what the issue was. I was told that my extension was denied, this was news to me as I never received a letter or call stating this. XX/XX/XXXX my mom as XXXX, I need to put her in XXXX credit was pulled and Chrysler reported me 30 days past due TWICE! I called and was given incorrect information including the wrong email address on file. They claim my daughter chatted my daughter doesnt have ANYTHING to do with the car payment PERIOD! My email is XXXXXXXXXXXX and XXXXXXXXXXXX. I receive emails from Chrysler all the time how could they have a XXXX XXXX XXXX is beyond me and is their error. When I called back in XX/XX/XXXX the rep ACKNOWLEDGE that I was given the improper information for the extension. I was also told that one of my calls didnt get captured! I never received an email now I understand why. I got off the phone believing I was okay. I paid my account current soon as I realized. I just didnt think how this would hurt my credit, and now my family. Chrysler is already charging me a 24 % interest on my loan now theyre continuing to hurt me even further by not capturing the correct information when their customers call in and need help. I will pay off this loan and I will never deal with this company again.
Product: Mortgage

Shellpoint mortgage servicer was assigned to two of the properties that my XXXX just refinanced. I got married in XXXX. Before getting married i called shellpoint that please let me know if i owe any payments for XXXX on my home in XXXX XXXX XXXX XXXX, NY since my loan was transferred to your servicing. They told me nothing was due. Then i went on with my reception and honeymoon. When i came back. I received a mail that i was late for XXXX. I called and made payment for XXXX and XXXX. They told me everything was fixed and things like this happen due to transfer of servicing. 

I refinanced another home in XXXX XXXX XXXX. XXXX XXXX NY. 
Shellpoint is still the servicer. They send me mail stating {$0.00} is due for XXXX. When i call them to confirm they tell me the mail sent was wrong and they are sending another mail with correct amount. That was on the XXXX of XXXX and payment was due on XXXX of XXXX. I still havent received my correct statement and neither have i received a call back after making multiple inquiries and today is XX/XX/XXXX. 

On XX/XX/XXXX, i get a notification from my credit card company that i have defaulted on my payment on XXXX XXXX XXXX XXXX, NY home. I have lost over 100 points in credit scoring and my debt has increased by {$190000.00}, the mortgage amount. 

To make matters worse, i have multiple properties that are currently under underwriting process of refinance and they cant close because my credit doesnt meet the requirement anymore. I am losing hundreds of thousands of dollars in equity if i do not refinance and that money is necessary to keep my new business going. I risk of losing those homes to foreclosure because they are paying interest rates as high as 13 %. 
I could lose in excess of {$2.00}  million in property value because of negligence of shellpoint mortgage. My XXXX is a public benefit XXXX, i XXXX XXXX to XXXX XXXX XXXX  and XXXX, these servicers are increasingly outsourcing or using too much AI that a common miscommunication can create a mistake that can cost millions. 

I will lose all my properties if this persists and i want to know who will be held responsible for this negligence. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I've file a dispute for unknown and inaccurate accounts on my credit report but I haven't receive a response and it is almost over 30 Days now since I've filed. I was a victim of Equifax Data Breach. I demand to Delete all those accounts or I will file a litigation.
Product: Credit card or prepaid card

I ordered prescription sunglasses from XXXX XXXX XXXX on XX/XX/XXXX for {$320.00}. After a long delay the safety glasses finally were shipped XX/XX/XXXX. When I received them they were defective and not functional. The model I ordered ( XXXX XXXX XXXX ) comes with a foam facial seal that installs into the frame of the glasses. The ones I received were made with lenses too large for the foam facial seal to install. 

I contacted XXXX XXXXXXXX XXXX  and asked if they could remake the glasses so that the foam facial seal could be installed. They admitted there was a defect in my pair of glasses and sent me a return shipping label. I shipped the glasses back and USPS marked them as delivered on XX/XX/XXXX. After contacting them several times and not getting any expected ship date for the remade glasses, I requested a refund on XXXX. After waiting over a week I initiated a chargeback with Discover on XX/XX/XXXX. Only after this chargeback was initiated did XXXX XXXX XXXX issue a refund, however this refund was only for 50 % of my order total ( {$160.00} ) citing that they had a 50 % restocking fee. After XXXX XXXX XXXX issued the 50 % refund, Discover decided the dispute against me. Discovered state that even though XXXX XXXX XXXX sent me defective sunglasses, they would not go against XXXX XXXX XXXX policy decision to only refund me 50 %. 

I am now left out {$160.00} despite receiving defective sunglasses and returning them to the seller. I feel it is wrong that a company can send out defective products to customers and pocket over a XXXX dollars. I tried working with the seller so that they could correct the problem and send me functional sunglasses but they failed to deliver in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings credit reporting agencies, my name is XXXX XXXX XXXX XXXX, and I as a consumer, have observed that my information on my consumer report has been inaccurately and incorrectly furnished! Below are the creditors and companies that have violated my rights as a consumer for publishing my personal information without my written consent according to 15 U.S.C 1681 section 602 A and 15 U.S.C 1681 Section 604 A Section 2. Please take a moment to look at the accounts below that are being incorrectly furnished on my consumer report, and I as a consumer whose rights have been violated, I fully expect to see some positive changes to my report immediately thanks! 
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # 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 an account without my written instructions. 
Listed Above are the motives as to why these violations on my credit report NEED TO BE completely removed from my report! It is a violation of my consumer rights, and the information on there is being inaccurately reported, and I did not give any creditor nor any company WRITTEN CONSENT or PERMISSION to furnish any of the data above to my consumer report! The companies/creditors who are publishing my personal information to the consumer report is also a violation of my consumer rights, because I, as a consumer, have the right to privacy, and the creditors are clearly not respecting that! This is
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX sent me a letter saying I need to log onto their website. The website does not work and it's consistent with the conspiracy of fraudulent reporting a bankruptcy that does not exist. I have reported this several times and they are still lying about the bankruptcy that they can not verify with the XXXX District of Kentucky Bankruptcy. If you guys can not provide proper oversight I will be force to sue the three bureaus and XXXX XXXX in court. This is not a tolerable action in which a citizen should be subjected to. 

The three credit bureaus are conspiring with XXXX due to the fact they are a paid subscriber and we are now understanding that there is a monetary gain for consumers to have bad credit. Their sponsors make more money and this process will be presented to a federal court.
Product: Credit reporting or other personal consumer reports

I HAVE CALL AND SENT OUT MAIL TO ALL THE XXXX CREDIT REPORTING AGENCIES TO PUT THEM ON NOTICE!! BUT NEVER GOT A ANSWER... I HAVE NOW SENT A COPY OF THIS NOTICE TO ALL REG AGENT IN MY STATE I am an identity theft victim and i have absolutely no knowledge of the allege debts listed on my CREDIT file / personal records, I am an EYEWITNESS, the information is incorrect and fictitious and i demand the FICTITIOUS ACCOUNTS open & listed on this REPORT under my personal information be remove, my NAME, SOCIAL SECURITY PHONE NUMBER ACCOUNTS and address was COMPROMISED, i did not AUTHORIZE or give CONSENT nor did I GAIN or BENEFITED from listed accounts. I demand all ACCOUNT ( S ) listed on my Police report and Identity theft report be remove IMMEDIATELY this is not a DISPUTE but a NOTICE!! i have attach a 7 DAY NOTICE with this REPORT, any Company that choose not to obey the LAW i will seek COMPENSATION, PUNITIVE DAMAGES and MEDICAL EXPENSE. my attorney is ready for FEDERAL COURT or ARBITRATION. 

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 REMOVE ACCOUNTS FROM MY FILE BLOCK
Product: Credit reporting, credit repair services, or other personal consumer reports

Each time I call XXXX and TransUnion and dispute an item or send them a letter asking them to provide me specific documents verifying my account, they lower my credit score. I have paid all my bill on time and even paid nearly {$8000.00} on one account in XX/XX/XXXX. My credit score should be increasing rather than decreasing. I have approached both agencies about this and they can not give me an answer. I am on the phone hours at a time trying to resolve the problem with my credit score and they are refusing to fix the problem. I did not have any negative reporting to make my credit score go down as low as it has. I have attempted to resolve this problem with both credit agencies and they have failed to attempt to make things whole and right in the matter. The agencies can not even tell me what caused my credit score to go down.
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( on time ), completely, AND accurately as well - or else I would have to escalate these issues to the CFPB, FTC and my Attorney General. 

XXXX XXXX : Account number : XXXX, My identity was stolen. Block this account. 
XXXX ( Original XXXX XXXX XXXX ) : Account number : XXXX, My identity was stolen. Block this account. 
XXXX XXXX XXXX : Account number : N/A, My identity was stolen. Block this account. 
XXXX XXXX XXXX  : Account number : N/A, My identity was stolen. Block this account.
Product: Credit card or prepaid card

Fraudulent charges. 
XX/XX/2022 XXXX XXXXXXXX XXXX XXXX TX {$94.00} Thursday, XX/XX/2022 XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX {$94.00} I am also unable to use my account and they are changing me interest on the fraudulent charge. I have attempted to call multiple times no one answers, I have sent a request via online- no response and have tried to reach out via social media and private message and was only told to call. They claim they were not hacked but a large group of us were met with fraudulent charges on our accounts during the system upgrade and there has been no assistance for Bread / Comenity.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX - account was reinserted on my credit file without the 5 day notice to notify me which is required by law causing me to get denied for a home loan and have cause much XXXX. No other credit reporting agency is reporting this debt making it inconsistent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient has continued to incorrectly report to each of the credit bureaus ( XXXX, XXXX, XXXX  ) that my student loans were late when, in fact, they were not. The dates in question are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. During each period my loans were in forbearance. 

I have incessantly provided forbearance documentation signed by Navient contradicting their claims yet they refuse to correct the erroneous reporting.
Product: Debt collection

I requested an auto repair loan to have my vehicle fixed with XXXX. invoice I have is XXXX. The company Confident Financial Solutions said I owe them XXXX which was not the agreement. While I was attempting to fix the issue with XXXX, Confident Financial Solutions would call me 4-5 a day back to back and would leave me 2-3 emails. I had to block their number for the ridiculous amount of times they would call me.
Product: Debt collection

On XX/XX/2021 at XXXX, XXXX XXXX XXXX a representative of XXXX XXXX XXXX spoke to my husband about my supposed debt. He served him with papers from XXXX XXXX XXXX. Additionally, all of the information is inaccurate. My name is incorrect, as is my husbands name and age that XXXX took down that day.