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

I had noticed that someone had hacked into my account and stole a total of {$4800.00} out of my account ( {$2000.00} on XX/XX/21, {$300.00} on XX/XX/21, {$2000.00} on XX/XX/21 and {$500.00} on XX/XX/21 as seen in document " Stolen Funds '' below ). I opened a dispute with the Bank of America Fraud Department 3 times, because they kept closing my claim, letting them know I was hacked, and we needed to do something to get the money back, and prosecute the thieves as that is grand theft, because my family was struggling financially and XXXX XXXX is a lot of money. Their fraud department ended up sending me a letter stating ( paraphrasing ) " we asked for the money back and they said no. Maybe you should ask for your money back directly from them? '' I had told them I was hacked and didn't know who stole my money. I was so angry with that response I ended up throwing the letter away. This was their response twice, and the third time I asked them to send me what information they used in their investigation to ensure this was a fraudulent situation. They ended up sending me a copy of my bank statement, the same one that gets emailed to me every month. They did nothing to investigate except " ask '' for the money back and when they were told no, did nothing else. They did not do their job to protect their customers and are very rude when you try to ask them questions that would help in the investigation like " who is the owner of the account that the funds were sent to? '' or " where was the person who hacked into my online account located when the funds were stolen? '' or even " what financial institution were my funds sent to? '' They have none of this information and don't intend to gain any of it. It has been about 7 months since my original complaint to them and they have failed to do anything to assist in us getting our money back. This complaint is my last effort.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XX/XX/2019 I tried to submit a dispute on my XXXX credit report. After submitting all the information they ( XXXX ) would not allow me to submit my dispute. It stated that I already disputed these items and to call that toll free number again. I've tried several times to reach a live person to dispute these accounts that are wrong and can't even speak to a human. XXXX XXXX  XXXX XXXX XXXX is paid in full ... .XXXX XXXX   XXXX has fraudulant charges ... .XXXX XXXX was verified as never paid late ... .and XXXX   XXXX was verified as never paid late .... ( XXXX did a proper investigation and that was the outcome and correct results ) XXXX has fixed my credit report but XXXX   won't even let me on the system. This is not right as having this wrong information reporting is hurting my credit and causing me a hardship. I am fustrated at the fact that they won't even let me re-dispute this information nor let me online to do it.
Product: Mortgage

We started the refinance process back in XX/XX/2021, we paid on our mortgage for XXXX and XXXX. We were supposed to close in XXXX and the closing had to be rescheduled due to weather and they were backed up on rescheduling 's for XXXX so that wouldn't happen until XXXX. Then in XXXX they told us not to pay as we will close in XXXX. Then they took out the payment and told us to do a stop payment or refund the payment. We did this process, then we kept getting harassed saying we missed a payment, and we told them about these phone calls, and they told us to disregard them as we are in the process of closing for XXXX. When trying to close for XXXX they kept saying well it is in processing, so we can't close for XXXX. So we decided to make a payment before the end of XXXX because the other debt collectors kept calling us telling us to make a payment. The payment was never processed on their end, we discussed with our bank and they never saw any payments pending or attempting to come out of our bank account from Freedom Mortgage. Its XXXX now and they told us AGAIN to not make a payment for XXXX, and now were getting letters in the mail about credit reporting, possible foreclosure, etc. I had talked to 15+ different people on XX/XX/XXXX, I was on the phone for half of my day scheduling this close to happen in XXXX. Also, while talking to these 15 different people it was confirmed that I wouldn't have to worry about my XXXX or XXXX payment as Freedom Mortgage took care of it and admitted it was their fault this didn't go through properly through a manager. The soonest they could do this was XX/XX/XXXX for the closing, in the meantime still getting these calls and letters about making a payment. XXXX XX/XX/XXXX, we are at our scheduled location and time, and no show, no calls, no email, etc. NOTHING. We call them and were on hold for an hour and then put us on a call back list. No one has called, we have emailed everyone, we called different numbers to have a manager call us and no one will call us back. We talked to someone in customer service and they said since we have missed payments they weren't able to schedule the closing ... We still haven't talked to a manager or anyone that knows how to do their job there. Plus their website isn't working so I can't even make a payment on this loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau is reporting that I owe {$410.00} for an account under the name "   XXXX   XXXX   XXXX   XXXX   XXXX   ''. My report shows that it was opened in  XX/XX/XXXX  with an account number of "   XXXX   ''. I have never had any business dealings with this company and do not understand why this is being reported to my credit. I have never received any bills or letters in the mail explaining that I owe this debt or even why I owe it. This is not my account and I do not have a delinquent debt with this company. I have disputed this with the credit bureau numerous times ( since  XX/XX/XXXX  ) only to receive bogus responses saying that the account has been verified? I 've done research of my own and I even called this company using the phone number provided in the credit bureau response letters. The representatives I have spoken to can not find an account that matches my personal information. Clearly something is not right. I need this to be addressed immediately. It should not take this long to conduct a proper investigation and confirm that this account is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I already started a dispute with the 3 agencies XXXX, XXXX  and Experian, and last one, insist that I got one missed payment with XXXX, I sent to all agencies the evidence and XXXX and XXXX  fix the error. Please help me with this situation because XXXX accepted the error too. How can is possible that Experian want to keep the incorrect information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XXXX, 2022 I wrote to XXXX, Equifax, and XXXX in regards to deleting these poor investigated items : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. I received correspondence stating the accounts were verified. If accounts were verified why are they deleted from XXXX? Please see that my deleted items are deleted from all three bureaus.
Product: Debt collection

I made contact to XXXX at Machol and Johannes, LLC on XX/XX/XXXX, at approximately XXXX inquiring about why my bank froze my funds. She had advised that I was served with a writ of garnishment on XX/XX/XXXX, from a debt report by XXXX. She said the writ was served at XXXX in XXXX New Mexico. She insisted that I was served with a signature at XXXX. I advised XXXX that I had vacated the unit in XX/XX/XXXX, and provided her with copies ( via fax on XX/XX/XXXX and by email on XX/XX/XXXX ) of a new lease indicating that I was no longer in the said apartment. She has not returned any form of communication indicating receipt of documents or for any resolution as she said the writ was delivered due to " bad service. '' and that she would have management to review my case. I have provided XXXX with more than sufficient evidence that the writ was not delivered to me personally or to any representing agents that I may have ( to which I have none ). I have informed XXXX that my employment position has been eliminated as of XX/XX/XXXX, and the funds that had been " taken '' from me was allocated to help pay for rent, food, and misc items. I have called and left her voicemails for her to return my call, but she has not once called me back to provide any form of indication regarding my case. My last contact was made on XX/XX/XXXX, with no further contacts. She has been provided with copies of lease agreements that were signed on XX/XX/XXXX which exp on XX/XX/XXXX for an apartment at the same address. BUT also another NEW lease indicating an entirely different address that was signed into an agreement on XX/XX/XXXX, which expired XX/XX/XXXX. These agreements should indicate that I NEVER received any writ of garnishment. 
Since my assets have been frozen, I have n't been able to live sustainably as constant uncertainty with income has become an issue. unsure of where my next meal will come from, and if I 'll be able to pay rent has become a concern. I fear that her lack of response, and with my situation, I might lose my home and be left on the streets. I again have no income as of XX/XX/XXXX. I am awaiting Unemployment Insurance, but that will not suffice to pay rent, food, utilities.
Product: Checking or savings account

I opened my Ally Checking account XX/XX/year>. Almost immediately, I begin having online access issues and continuously got errors stating " You've been locked out of your account '' when trying to manage my online access. I have called ~10 times to speak with Ally Customer Support but no representative was able to resolve the issue ; in fact, they would say they do not see any error on their system ( their system did not acknowledge that I was getting locked out / getting error messages ).

One of the representatives acknowledged that the first " case '' was opened on XX/XX/year>. Since then, I have not been able to access my online account. In other words, for several weeks, I have not been able to know how much money I have on my account, what funds are going in and out, what bills have been paid, and my progress towards personal financial goals. 

This is a complete disaster and has caused incredible stress for the last several weeks. Ally Bank has not treated this issue with the severity it deserves, and has not provided any support or urgency to support my issue. I want to transfer ALL FUNDS out of Ally Bank and close the account immediately.
Product: Mortgage

Homeowners  Protection Act of 1998 states that PMI will be AUTOMATICALLY terminated upon reaching the 78 % LTV date. After repeated attempts to get CitiMortgage to drop the PMI ( never a late payment, well after the LTV 78 % date ), CitiMortgage insists on an appraisal ( at my expense ) to c ancel.
Product: Debt collection

While the harassing volume of calls is a problem ( 4 in a 5 hour period ) is a problem, I spoke with Conn 's Home Plus today @ XXXX regarding a past due payment. I advised that they could use the card on file to process payment on Friday, XXXX XX/XX/2021 for {$250.00}. After I got off the phone, I received an email notification that they processed the amount today the XXXX of XXXX. This, I believe, is a Violation of FTC Statute 1692.808 subsection ( 4 ) Depositing or threatening to deposit any postdated check or other postdated payment instrument prior to the date on such check or instrument. 

I would like to file a formal complaint against Conn 's Home Plus.
Product: Student loan

I would like to voice a complaint against XXXX XXXX/Navient. This is in regard to a private loan for {$25000.00} to attend a XXXX called XXXX XXXX in XXXX XXXX, Michigan. XXXX XXXX was in the XXXX Bank building. I heard the ads for XXXX XXXX on the radio. This happened in XXXX. I 'm not sure if XXXX is still open or not. Their ads are not on the radio anymore. I did some research in XXXX and XXXX and discovered that XXXX XXXX was mentioned at XXXX websites : XXXX ( XXXX/XXXX/XXXX ) and XXXX ( XXXX/XXXX/XXXX ) for being an money-making scam. XXXX XXXX was also mentioned at these XXXX sites as the lender. I then discovered that XXXX XXXX changed their name to Navient and XXXX changed its name to XXXX XXXX. Then I did a search on legal action against XXXX XXXX/Navient and found a report, in the form of a PDF file, from the XXXX XXXX XXXX XXXX. It is titled " The XXXX XXXX Saga : A Government-Created, Student Debt Fueled Profit Machine. '' Right now, it is hurting my household budget. Even though I 've been making the payments, they are not on the due date because of other payments I have to make. The monthly payments are between {$220.00} to {$220.00} per month. I also never found an IT job after completing XXXX.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to XXXX promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 


XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

A hard inquiry that I did not authorize is on my credit file with XXXX ( only ) from a creditor named XXXX. I did apply on the date in question with XXXX, but only once. There are two hard inquiries from XXXX on my file ON THE SAME DAY. I only authorized one pull on my report. I did contact XXXX XXXX about this and the said they would correct it, but have not. XXXX also would not help ( they are awful to deal with in regard to removing unlawful hard inquiries. 

I RECENTLY PURCHASED A NEW CAR. DURING THIS PROCESS, I APPLIED WITH XXXX ( WHO I BOUGHT FROM ), XXXX XXXX ( ONE TIME ONLY, AND THEY WERE ADVISED THAT THE I ONKLY AUTHORIZED XXXX XXXX AND NO OTHER LENDERS ), AND XXXX XXXXXXXX ( THAT WAS ONLY A SOFT INQUIRY ).
Product: Credit reporting or other personal consumer reports

My mother passed away XX/XX/XXXX i was in need of money to help bury her i applied for a title loan for my XXXX XXXX XXXX I missed one payment and they came and took my vehicle. then they resold my vehicle in XX/XX/XXXX after vehicle was sold they then sent the full balance plus unknown additional charges to a collections department where now the collections department is adding fees as well this is fully illegal and in the state of Delaware collections statute of limitations is 3 years. I did not lease a vehicle from them nor purchase a vehicle this was just a title loan. this company needs to be shut down for illegal practices.
Product: Student loan

I 'm submitting a complaint in regards to the status of my XXXX loan forgiveness letter. I submitted the original XXXX loan forgiveness letter in XXXX 2017 to then be told there were errors. I fixed those errors submitted the same letter with the initials on the item that needed to be corrected to then be told a few weeks later that there were additional errors wrong that were not even listed in the first letter. I submitted my application a third time and spoke with a customer service representative who told me that the application looked liked it was filled out correctly and that I should hear within 30 days about the status of my application. I asked for my payments to be deferred. I also asked if I would have a response to my XXXX loan forgiveness prior to my deferment date expiring and she stated yes. However, I have now a past due payment and still have not heard back in regards to the status of my loan application. I would like to know why it is taking so long to review my XXXX loan forgiveness application and what is the status?
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the course of 9 months, I have disputed my charged off XXXX XXXX accounts with XX/XX/XXXX, XX/XX/XXXX & Transunion. As always, they keep coming back " verified ''. Well I recently started, taking a deeper dive into my credit report and realized that XX/XX/XXXX, XX/XX/XXXX& Transunion never properly verified my information because they're reporting inconsistent information across all 3 credit bureaus. Example : They are currently reporting an inconsistent date of last activity, creditor type ; are just to name a few. Not too mention, when an account is charged off ; it can not have a past due balance ; which there's one showing on my XX/XX/XXXX, XX/XX/XXXX& Transunion credit report. According to the FCRA, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681 ) and I've requested they delete this off of my credit report immediately. I've sent certified letters on XX/XX/2021 and XX/XX/2021, with the appropriate documentation proving this is inaccurate & was not verified.
Product: Checking or savings account

I am an attorney. I have handled decedents ' estates for more than 35 years. In order to close a decedent 's solely owned bank account, you need to present a " short certificate. '' A short certificate is evidence that a personal representative has been appointed for the decedent 's estate. Historically, the personal representative has been able to walk into a local branch, supply ID, a short certificate and death certificate, and the bank would close the account and issue a check for the balance. Santander Bank now requires you to supply a short certificate and death certificate and they send it to their back office. I am told that it can take XXXX weeks for the back office to process the info before they release the funds. Santander Bank should not be permitted to refrain from releasing funds for such an extended period once proper documentation has been presented. These funds are necessary for the proper administration of the decedents estate and the delay is simply unwarranted. The public certainly needs more ready access to these funds. Please investigate!
Product: Credit reporting or other personal consumer reports

My account with all those creditors was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit card or prepaid card

opened card with citicard in XXXX. 2016 with interest free for 18 months and they charged me interest in less then 1 year.
Product: Checking or savings account

KeyBank allowed several unauthorized charges on my account for a service I dont use or have no knowledge of. They overdrafted my account XXXX and took XXXX dollars out of my check too cover the remaining balance. They have expressed too me that they feel there was fraud on my account but refused to give me back my money.
Product: Debt collection

Unfortunately my daughters and myself have always had Medicaid which covers 100 % so i have no clue why this debit is on me. If this cant be resolved I will hire a attorney
Product: Checking or savings account

Related to complaint : XXXX Sofi sent me a check via XXXX XXXX to close out this matter. However, according to my bank, the check they sent me is not cashable as it doesn't include SoFi 's routing or account number. Because it is missing crucial information, it is not cashable by my bank ( XXXX XXXX ). This is the second check they sent me. The first they refused payment, this second does not meet the basic requirements of a legal ( cashable ) check. 
Response to last complaint resulted in a written lecture about the status of my phone and a promise to send a second check. Again, the second check does not meet the minimum standards of a cashable check as it is missing routing and account numbers- so my bank unable to submit for payment. 
Calls to SoFi result in them taking my name, telling me call must be handled by regulatory complaints team, who will call me back, but then never actually calls me back. ( which I can prove by my phone 's call history ). They will claim this is because my phone has been hacked, but I had reset by my carrier back to factory settings and have had no issues outside of those with SoFi. 
As a bank, SoFi should be able to produce a check that is cashable. Telling the CFPB that they are sending me a check to close out this matter, but then refusing payment on the first check and sending a worthless check the second time, feels very much like an attempt to wear me down and not respond in a truthful way to this situation.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following items : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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