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

Please reference my prior complaint about my BofA checking/savings accounts : Summary of your complaint Complaint number : XXXX-XXXX Date submitted to CFPB : XX/XX/2018 Date sent to company : XX/XX/2018 Product : Checking or savings account Issue : Managing an account BofA properly closed my checking account after the prior complaint, but it has inexplicably kept my savings account open and has begun to charge me $ XXXX/month maintenance fees. In XX/XX/2018, when I filed the prior complaint, I had {$15.00} in the savings account. However, due to BofAs improper failure to close my savings account and in the meantime charge me $ 5 monthly fees, the current balance is now - {$10.00}. This is entirely due to BofAs fees. 

I was very clear in my last complaint that given BofAs unfair, opaque, and predatory consumer banking policies, I no longer want to be a BofA customer. Why did they close my checking account but not my savings account? This appears to be an attempt to continue to generate fees from me when my savings account should have been closed long ago, and is once again evidence of BofAs pernicious and opaque practices that act to the detriment of the everyday consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute to Equifax about 3 inaccurate accounts on my credit report that were never investigated within 30 days. On XX/XX/2019 I sent a dispute by certified mail and it shows they received it on XX/XX/2019. Approximately a week later I received a letter back stating that I needed to send in additional documents to verify my identity. I sent in all additional documents that Equifax requested by certified mail that they received on XX/XX/2019. After sending in all the additional documentation that they requested, I never received anymore letters about the outcomes of the disputes. Equifax never investigated these disputed accounts in the 30 day time frame, nor did they state in my credit report that these accounts were being disputed. These are XXXXwo violations that should of gotten these accounts deleted so I sent another certified letter on XX/XX/2019 informing Equifax that these accounts needed to be deleted because of these violations but that did not happen. Instead of deleting the accounts because they failed to abide by the law, they went ahead and investigated the accounts and confirmed that they were accurate.
Product: Debt collection

Allied Trustee Services states that my HOA gave approval to record a lien and then a default on my home. I also did not get notification, they told me to track it myself that they did their part by sending it certified even though they know it had not been received. I have asked several times for them to remove the lien because it was not done properly and is therefore invalid. I spoke to XXXX on Friday and she said the HOA voted to remove the late fees and interest, but I still owe collection costs and they refuse to remove the invalid lien even after assessments are now overpaid. They say they received authorization from XXXX XXXX to proceed on XX/XX/2020 to record a lien and XX/XX/2020 to record a default. Even if I had gotten the notifications they sent the proper information was not included as our XXXX XXXX XXXX 's state. I have asked several times for the documentation they were given authorization and the name of the person they claim gave it and they refuse to provide it claiming it is their " internal documents ''. I provided them documentation of what our XXXX XXXX XXXX 's state and they still refuse to remove the lien. I told them they had 21 days in writing which started XX/XX/XXXX. I am trying to list the property and they have negatively affected the value and I am getting solicitors offering to buy it as discount based on the fact they think it is in distress which it is not. I also have a health issue and this has had a very negative affect as I am stressed and can not sleep. I also sent them notice the XXXX XXXX was not being followed and Civil Code had been violated. To this point all in vain. I also asked for them to show me a breakdown as to how they were calculating interest, they still did not make it clear and stating they were getting a new system soon. I need the lien removed ASAP. We have been on SIP orders since XX/XX/XXXX in XXXX XXXX so I find this extremely callous considering my health condition.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SS # : XXXX. XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. XXXX XXXX  credit card opened XX/XX/XXXX amount XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX amount XXXX or XXXX XXXX XXXX XXXX XX/XX/XXXX amount XXXX XXXX XXXX XXXX XXXX amount XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX amount XXXX XXXX XXXX XXXX amount XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX amount XXXX XXXX XXXX XX/XX/XXXX amount XXXX XXXX XXXX XX/XX/XXXX amount XXXX XXXX XXXX XXXX XX/XX/XXXX amount XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, am verifying that I, XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. 

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : 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.

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed
Product: Debt collection

I had a XXXX account back in XXXX. I ended my relationship with XXXX in XXXX and was told I was paid in full. Flash ahead to XXXX. I noticed there was a Pinnacle Credit Services account on my XXXX and XXXX Credit Reports. I have disputed both accounts on both CRA 's I have called numerous times to Pinnacle in attempts to find out how I can still owe this and why they are still reporting on my CR 's 10 years later. I have never received a response from Pinnacle regarding this. Every dispute comes back verified from the CRA 's. I am trying to buy a house and this is the ugly elephant in the room preventing me from doing so. Please have Pinnacle remove this tradeline from both my XXXX and XXXX credit reports as they can not and have not verified this debt that I supposedly owe. 

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

After reviewing the credit file from XXXX. Noticed credit report has two late payments from XXXX  XXXX Auto Account : XXXX Account status Closed Date opened XX/XX/2018 Account type Auto Loan Balance Loan Amount {$0.00} Two late payments display incorrectly. I'm exercising my rights from FCRA to review inaccuracies from credit reporting
Product: Debt collection

Midwest Recovery Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX Phone On or about XX/XX/2019 I called the company. Because I had an item hit my credit. I use a sevice now and it alerts me daily on my credit. I disputed the debt and ask for validation. 

Midwest hit my credit AGAIN XX/XX/2019. 
Thats why I called them today ... Asking why??? 

Mr XXXX XXXX ( Very Professional ) Supervisor said that on XX/XX/XXXX it was disputed and that by XX/XX/2019 it should be taken care of. 

He denies that his company hit my credit so soon again.
Product: Student loan

In XXXX my husband and I were offered private student loans through XXXX XXXX in which would borrowed approx. {$70000.00}. My husband was injured on the job and became XXXX  XXXX. In XXXX, when the loans came due we used forbearance as our only option due to our financial situation. Around XXXX, We were informed through the mail that XXXX XXXX XXXX XXXX purchased the private student loan debt in which they aggressive sought repayment by filing for a judgement against us. They were informed through the court system that my husband was XXXX  XXXX and they still pursued the judgement. They also claimed that the debt we owed was well over {$200000.00}. Making any form of payment more than what my husband and I could afford. I found out XXXX XXXX XXXX had my bank account information and I was afraid of them freezing my accounts which would make it impossible to take care of our children therefore we are paying the loan through the watchful eye of Chapter XXXX bankruptcy. Do not take out private students loans! If you become XXXX the debt collection agencies do not care and will aggressively pursue you in court and ruin your life!
Product: Checking or savings account

On XXXX XXXX XXXX I was made aware that my account was put under review due to fraudulent activity. The fraudulent activity was three mobile deposits and the next day i pulled out the money in cash. I brought the physical checks to my local Golden1 and they told me to call the Golden1 customer service number again to request the review to be cancelled, when I called the person on the phone told me it was another company that deals with the review, but they have never told me the name of said company and the one time they sent me to them I was left on voicemail and Im constantly told that I to wait for them to contact me. I need access to my account to pay bills and this has been far more than a nuisance.
Product: Checking or savings account

On Friday, XX/XX/1931 fraudulent transactions to XXXX were made on my Chase checking account in a matter of minutes. The day before I had received a fraud alert from my Chase app for an XXXX charge of {$31.00}. That happens to be the exact amount of my monthly XXXX XXXX subscription, so I just assumed it was that and approved that. But then the next day I had the flood of XXXX transactions totaling nearly {$1200.00}. I called Chase within minutes of the charges and disputed them. Chase told me I'd have the money put back in my account within XXXX hours. XXXX hours passed and nothing happened. On Sunday, I got an email from Chase saying the had completed their investigation and were closing the case and had concluded that the charges were valid. Somehow, they felt XXXX small transactions in a matter of minutes was normal spending behavior. I called on Monday and spoke with a supervisor who said she would try and re-open the case but couldn't promise anything. It's a couple of days later and I've heard nothing from Chase, the case still says closed in my account, and I'm out {$1200.00} and Chase doesn't seem to care. I need help getting my money back.
Product: Checking or savings account

I have had my account for several years now with Regions. 

Anytime I had an charge that I did not have any money for or enough money, the bank would just pay it. 

I had to pay the bank and the overdraft fee. 

Now the bank has reversed a charge from my bank account, knowing that I have opted in for overdraft fee. A couple of times, I have seen charges over {$200.00} for an overdraft fee which I assumed was excessive. But I paid it. 

Now the charge that they reversed may get me kicked out of school because it was due on the 1st and my check will post tomorrow in the account. But I have to scramble to pay this so that I will not have to pay twice the amount for my tuition. 

Do the bank have the right to reverse this charge even though I signed up for overdraft? 

Please advise.
Product: Credit reporting or other personal consumer reports

Dispute Letter XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SS : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Subject : Formal Dispute of Late Payment Claim Dear To, Whom It May Concern I am writing to formally dispute the late payment claim associated with XXXX, dated XX/XX/XXXX, XXXX This claim is inaccurate, and I am exercising my rights under federal law to address this matter. 
Specifically, I reference the following statutes : 15 U.S.C. 1666 ( Fair Credit Billing Act ), which provides the right to dispute billing errors.

15 U.S.C. 1666B, concerning the timely posting of payments and correction of errors.

15 U.S.C. 1681B, regarding permissible purposes for accessing and reporting credit information.

15 U.S.C. 1681, particularly Sections 602 and 604, emphasizing the importance of accurate and fair credit reporting.

15 U.S.C. 1681A, which defines terms and standards related to credit reporting.

Request for Proof of Alleged Late Payment : I hereby request that you provide verifiable proof of the alleged late payment, including detailed documentation supporting this claim. If you are unable to provide sufficient evidence or the documentation is incomplete, I demand that you : 1. Update my payment history to reflect " Paid as Agreed, Never Late '' ( PAANL ).

2. Correct or remove any inaccurate or unverifiable information reported to credit bureaus.

Request for Procedural Transparency : Additionally, I request a detailed description of all procedures and processes used to ensure the complete accuracy of the information reported. This should include : The sources of the data used.

Methods employed to verify the accuracy of the payment history.

Steps taken to investigate disputes and ensure compliance with applicable laws, including the Fair Credit Reporting Act ( FCRA ).

Conclusion of Investigation and Report : Upon completing your investigation, I request a written summary of your findings and any actions taken to resolve this dispute. Please send all correspondence and updates to my address provided above.

Under the provisions of the Fair Credit Billing Act and the Fair Credit Reporting Act, I expect this matter to be resolved within the legally mandated timeframes. I trust you will handle this dispute in compliance with federal regulations and with the diligence it requires.

If additional information is needed to facilitate your investigation. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX
Product: Debt collection

! n accordance with the Fair Credit Reporting act The Bureaus acct XXXX and XXXX have 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 instruction The Bureaus has been sending me collection notices in the amount of {$630.00} and {$730.00} the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several items reporting incorrectly on my credit file. Please remove the following items : Incorrect Personal Information : Names : XXXX, XXXX, XXXX ( TU ) Names : XXXX, XXXX XXXX ( TU ) Names : XXXX XXXX ( TU ) Address : XXXX XXXX  XXXX ( TU & XXXX  ) Address : XXXX XXXX XXXX ( TU ) Address : XXXX XXXX XXXX ( XXXX  ) Address : XXXX XXXX XXXX ( XXXX  ) Address : XXXX XXXX XXXX ( XXXX  ) The following items are reporting as a result of Identity Theft : XXXX XXXX XXXX Date Open : XX/XX/XXXX ; Bal : {$59.00} ( TU, XXXX, XXXX  ) XXXX - Date Opened : XX/XX/XXXX ; Bal : {$0.00} ( TU & XXXX  )
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB complaint to once again, dispute the fraudulent accounts and information off of my Credit File. I am writing to submit this formal complaint to the CFPB regarding the fraudulent account that appeared on my credit report. To my dismay, upon reviewing my credit report, I discovered an account that I did not authorize or open, which is a clear case of identity theft. I demand that you block the reporting of any information on my credit file that resulted from this fraudulent activity. The accounts and information in question are : XXXX XXXX XXXX XXXX : {$15000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XX/XX/2022 XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022. Let me make it abundantly clear that I did not open this accounts and or information or permit anyone else to do so on my behalf. It is imperative that this account be removed from my credit report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The 3 Credit Bureaus have failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus are investigated properly before posting derogatory information.
Product: Mortgage

Bayview loan Servicing/Community loan Servicing are refusing to grant me COVID-19 RELIEF! I AM NOT BEHIND ON MY MORTAGE I called them on XX/XX/2021 and requested forbearance Bayview/Community LOAN SERVICING HUNG UP THE PHONE ON ME TERRIBLE CUSTOMER SERVICE TYRANNTS YES THEY ARE XXXX  THEY ARE OUT OF CONTROL JUST MEAN TO CONSUMERS! THE GOVERNMENT OWNS FHA AND HAVE ALLOWED THIS SCUTINY TO CONTINUE ON OUR TAX DOLLARS! WE THE PEOPLE DESIRE AND DESERVE BETTER! i WANT RELEIF WITH OUT DESTRIMINATION! WE THE PEOPLE ARE THE POWER WE ARE PAYING THESE GOVERNMENT HIRED XXXX  TO XXXX US HERE IN XXXX FIRE THEM ALL! FOR XXXX XXXX BAYVIEW LOANS ARE BEING SUED LEFT AND RIGHT BY THE SAME GOVERNMENT THAT HIRED THEM! CONTINUING TO CHANGE THIER NAME THEY ARE XXXX THE GOVERNMENT HIRED TYRANNTS! THAT IS WHY THEY CONTINUE! REMOVE XXXX/BAYVIEW/XXXX/COMMUNITY AND ALL OF XXXX OTHER NAMES FINE AND PENTILIZE THEM FOR NAME CHANGING XXXX DOLLARS FOR NAME CHANGE AND THEN THIS NONSENSE WILL STOP!
Product: Money transfer, virtual currency, or money service

Dear Sirs, On XX/XX/year>, I was informed by XXXX ( XXXX XXXX ) that my account was being closed for security reasons This happened after I had transferred XXXXXXXX XXXX from my XXXXXXXX XXXX XXXX to Payward ltd., Karken 's Bank representative. 

From that moment on, I have been trying to get these funds back, all to no avail. I have sent countless mails explaining the situation, and for some reason it seems that they sent the funds elsewhere and to this point they have not only been able to find them but are avoiding restitution of this funds after more than 44 days of my account being closed. 

To me, this is just pure negligence and lack of accountability. 

I consider this a misappropriation of funds.
Product: Credit reporting or other personal consumer reports

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials XXXX XXXX XXXX that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am/was the co-signer on my sons student loan. Loan originally with XXXX XXXX, approximate date of original loan XX/XX/XXXX. Loan transferred to XXXX. I am seeking any relief possible from XXXX pertaining to the ongoing lawsuits being filed by state and federal agencies. 
XXXX ID XXXX, as per copy of Signatory Loan serviced by XXXX. Previous contact with CFPB resulted in action taken by some credit reporting agencies, not all. Furthermore, around XX/XX/XXXX, I was subjected to several harassing phone calls from XXXX, one particular stated he knew we had been recently financed for a newer vehicle. Not proper info for him to have. 
Two previous complaints I filed with CFPB are both dated XX/XX/XXXX : XXXX XXXX I have filed a complaint ( mailed on XX/XX/XXXX ) under the Class Action Lawsuit against XXXX, for their failure to timely remove and/or update MY status as it pertained to XXXXXXXX. 
On XX/XX/XXXX, XXXX informed me that my application for XXXX XXXX  XXXX XXXX had been approved. Effective date is date determined by VA, that effective date is XX/XX/XXXX. 
I have in my files copies of XXXX and XXXX, dated after XX/XX/XXXX, showing that they had not removed ( or expunged ) from my credit file the XXXX student loan. 
These statements are true and factual to the best of knowledge and documentation. If, I am incorrect, in explaining these circumstances, then I formally and apologetically withdraw this complaint. 
Sincerely / Respectfully XXXX XXXX XXXX