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

On XX/XX/2024, I went to the Bank of America branch located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX  to open a joint account with my wife. We were looking to open our first joint account and were looking for offers to take advantage of when doing so. 

When we found an offer at Bank of America, a bank we both already have accounts with, we decided to open our joint account with them as well for the sake of simplicity. We set an appointment with a banker there and she quickly and easily created our joint account using information from our previous ones, and she assured us we would be eligible to receive {$200.00} through the offer if we receive atleast {$2000.00} in direct deposits over the next two months. 

On XX/XX/2024, I received {$2800.00} in direct deposit from my workplace to the new joint checking account. 

When I called the support number today, XX/XX/2024, to ask about the promotional offer status, they said I was not eligible since I already had an account with the Bank of America and there was nothing they could do. I then went to the branch where I opened the account and got to speak with the same banker, and she admitted that the system she used to enroll me in the offer doesn't catch if someone is ineligible and their branch encountered this situation 3-4 times already. I asked if they have any way of resolving the situation, and she said no, but she can bring her manager to apologize.
Product: Credit reporting or other personal consumer reports

I had a bank account in XXXX  that went to collections. I paid the account off in full and was told that it wouldn't stop me from getting approved for anything in the future. since then, it has shown up as the number XXXX reason why companies don't want to lend to me and it has been almost 10 years since I had that account. It is messing with my progression and causing me to miss out on opportunities. The debt was XXXX dollars and the time it was reported in XXXX of XXXX. The company name is Lake Michigan Credit Union. The account has been paid in full since then and I have contacted the the bank, requested a goodwill removal of the negative account, and sent out multiple dispute letters with no solution.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  has been unethical and deliberately alienated the credit bureaus to believe that I owe false debt. TransUnion XXXX and XXXX are in violation of 15 USC 1681 2 ( B ). Reporting without my consent. Notice of violation XXXX XXXX
Product: Vehicle loan or lease

In XX/XX/2020, I attempted to pay off my car loan with Citizens One bank. On XX/XX/XXXX, I made a payment of {$500.00}. On XX/XX/XXXX, I looked up my vehicle loan online and made payment of {$500.00}. This was the listed payoff amount on my account details, and is listed on the Citizens One page as where to find the payoff amount. At this time, I believed my account was paid off. 
A couple weeks later, I still had not received my pay off documentation. I looked on the website for my vehicle loan, which stated I owed {$0.00}. I immediately called Citizens One and spoke with a representative, attempting to pay the {$0.00} to close the account. I was told at this time, that I owed over {$600.00}. As I attempted to review payments with the gentleman, I was advised that there was only one payment noted to my account in XXXX, when my bank confirmed two transfers to Citizens One for my vehicle loan. After confirming again with my bank, I contacted Citizens One again to provide confirmation numbers for both payments. The next gentleman I spoke with stated payoff amounts on the website do not include late fees and I owed approximately {$380.00} to pay off my loan. He stated that I owed nothing on principle, only late fees. This gentleman was able to confirm that two payments were made in XXXX on this account. We confirmed all payments made this year and he was to send an accounting of my vehicle loan records ( I still have not received ). He stated late fees do not show on the account ( which they do XXXX and that was why I owed {$380.00}. I advised I would follow up after reviewing the accounting. Later that day, I received a call from a collector from Citizens One who provided me a completed different amount that I owed of approximately {$400.00}. 
Today, I tired of waiting for this statement and attempted to contact Citizens One to see what amount I owed that this time. I was told {$600.00}. The website shows that my principle balance is now {$400.00} while my XXXX statement shows a principle balance of {$0.00}. So my principle balance increased by {$400.00} over the last 20 days. I spoke with a representative, who stated my second XXXX payment of {$500.00} was Backed out. However, I never received a refund for this amount and she was unable to explain where this {$500.00} disappeared to. I am also being charged interest on moneys that were already paid to Citizens One. I feel this loan was paid off in XXXX and they are refusing to allow my to pay if off by " backing out '' my last payment and being unable to provide an accurate, consistent pay off amount.They have also now added {$93.00} in " fees '' that no one has been able to explain. If you remove the {$93.00} in unexplained fees and reapply the {$500.00}, there should actually be a credit on my account.
Product: Checking or savings account

I am writing to formally express my concerns regarding Navy Federals handling of currency in someone's account, particularly in light of the recent CFPB lawsuit highlighting significant issues with the bank. Despite Navy Federal knowing there is money left in the account, there is no sure way to know unless waiting a week to know what the true amount on the account is. By the time I look again, my account can be negative and have been charged overdraft feed. The CFPB 's findings indicate that Navy Federal has not only neglected to protect consumers but has also allowed a way exploit the system.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX  # XXXX XX/XX/XXXX -- {$3900.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$1100.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I finally logged into my XXXX yesterday XX/XX/2020 and I noticed 8 inquiries that should not be there. I already sent in a few for XXXX and XXXX but there are a few more on my XXXX that should not be there. This all happened around the same time, on XX/XX/XXXX or XXXX. Please let me know what are the proper steps in taking these off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of applying for a mortgage and can not get ahold of someone at Equifax to assist with a credit freeze. I have made multiple attempts to speak with someone but never get an answer. Equifax is impeding my ability to get a loan due to their unavailability. How do I resolve this issue?
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has lowered my score for the following reason : Score Factor : Open real estate account balances are too high compared to their loan amounts I have never been late in paying my Mortgage, and it is not fair to considerably lower my score to XXXX from more than XXXX for the above reason because it is not true. 

Also, TransUnion is the only credit report company that has unfairly lower my score. 

XXXX and XXXX did not lower my score. 

Please, I need your help. 

This is not fair to consumers as we work hard all our life to maintain a high credit score.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following inquiries from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of a data breach and these inquiries are unauthorized.

The following inquiries must be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Payday loan, title loan, or personal loan

I have sent them a money order for over XXXX to cover my payments. They said they would be investigating why the money was not credited. This is the third time I have had issues with them to get my account resolved. The last date of repossession was XX/XX/2022
Product: Mortgage

Against XXXX / HomeBridge Financial Service My mortgage payment is setup the way I have to pay the monthly bill and the mortgage company pays the insurances and XXXX taxes out of my escrow account. The monthly payment is basically a combination of the principal, interest and escrow payments. 

I had been paying all bills on time and somehow the XXXX said that the XXXX tax was not paid ( {$3300.00} ) and XXXX claimed it was paid. This went on until the XXXX put a lien on my house and finally XXXX made a payment again out of my escrow in XXXX. I know the XXXX tax was taken out of my escrow account in XXXX and I have documents to show that. A second XXXX in XXXX ( {$3900.00} : initial amount + late fee and interest ) was refer on my monthly as Utility bill. That payment also turned my escrow balance to a negative as a result they increase the escrow payment with my monthly payment going from {$1300.00} to {$1600.00}. When I first called about this, no one at XXXX knew what that utility was. I called multiple times the XXXX tax office to confirm it 's not other than XXXX tax. My mortgage management was transferred to HomeBridge Financial Service and since XXXX XXXX, I 've been trying to make these people understand that I ca n't pay twice the yearly XXXX tax and they do n't even attempt to listen my side. Lately, HomeBridge Financial Service started to return my monthly payment since I kept sending them what was my monthly payment before XXXX XXXX ( {$1300.00} ). Now, they threatening to drive my mortgage to foreclosure. All I want is for them to answer the following simple questions : Was the XXXX tax paid out of my escrow? If the XXXX did not recognize the payment of XXXX tax, is n't that a problem between the XXXX and XXXX / HomeBridge? Why do I have to pay twice the tax for XXXX? 

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

On XX/XX/XXXX, I filed another fraud and complaint to Equifax about violating my rights. I spoke to a supervisor on said date and advised them of my filing with the CFPB. Little to my findings, Equifax supervisor illegal changed my last name and email address to avoid actions from CFPB reference # XXXX. I found on XX/XX/XXXX by their helpdesk that my email was changed and also, my credit report was updated to reflect the continuing fraud activity of XXXX XXXX XXXX on XX/XX/XXXX and Equifax failed to notify me because, they illegally changed my name and email address to scam the CFPB and the Federal Trade Commission to advise that I never filed a complaint but the complaint reference with Equifax is Confirmation Number : XXXX filed on XX/XX/XXXX and to prove that they illegal changed my name here is the other confirmation numbers which they have ignored : Confirmation Number : XXXX on XX/XX/XXXX, and Confirmation Number : XXXX filed on XX/XX/XXXX. Today- I called Equifax approx. XXXX XXXX central standard time : Spoke to XXXX in the fraud department -- She Confirmed someone changed my information on XX/XX/XXXX at a time that no recorded information was obtained to support the changes not only, she said, " The complaint date was also changed to XX/XX/XXXX instead of the confirmed email dated XX/XX/XXXX after I made the contact complaint. -- Attached are the supporting documents of the unauthorized changes that was made to my Credit Report ...
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns the recent CFPB findings against Navy federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I request an investigation in my account transactions.
Product: Credit reporting or other personal consumer reports

I was completely shocked to discover inaccurate accounts on my credit report this evening, and I have no idea why this has happened. I checked my report as usual, but this time, there were unexpected discrepancies. I even tried refreshing my browser, hoping it was just a glitch, but the inaccuracies remained. I'm now asking that the documents I've submitted be thoroughly reviewed so I can stop worrying about this.
Product: Credit reporting or other personal consumer reports

Unauthorized charges were made to the following accounts : XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  has made super hard the process if paying off my Business Credit Card for my XXXX XXXX XXXX XXXX XXXX as of today and after calling XXXX I was able to pay XXXX average balance in the card. 

I have reach to XXXX excutive office trying to let them know of the situation as they have report to my personal credit due the fact that i was added as a co guarantor something i didnt know but they sent their agreement on the card so i have no option. 

I has no able to pay the card before because we are on the XXXX XXXX and our XXXX has been close with XXXX income, i am on the middle of moving and this negative reporting on my personal credit is hurting my avility of seeking for a new apartment as my credit score is super low since there is a negative reporting plus a over utilization on my cards, i was neither able to get approved for the SBA loan since my credit is bad due to this, this is the first time i ever been late in a payment and i am trying to seek the XXXX XXXX   to understand the situation and knowing that the XXXX  has take care of the FULL balance by paying over the phone and the Confirmation is XXXX i will like for XXXX to remove the reporting on my personal credit as i am no any longer responsable for debt as there is NO debt any longer
Product: Debt collection

On Tuesday, XXXX XX/XX/year> at XXXX XXXX, I received the following text to my phone number XXXX : First Financial Asset Management , Inc . This communication is from a debt collector and is an attempt to collect a debt, any information obtained will be used for that purpose. Please call XXXX or click XXXX XXXX XXXX XXXX XXXX XXXX to self service. Reply STOP to unsubscribe. 

I received the same exact message on Monday, XXXX XX/XX/year> at XXXX XXXX. 

I not aware of any debt that I owe. My understanding is that a request to collect a debt must first be made via mail. I did not receive any correspondence via mail from First Financial Asset Management , Inc .
Product: Credit reporting, credit repair services, or other personal consumer reports

Last month I disputed XXXX with Transunion and unfortunately nothing changed. The credit bureau failed me with this dispute. Due to Transunion not doing their due diligence I've had to fight this matter on my own. As of today with my attorney 's assistance I received some resolve regarding this matter. XXXX has stated that they will remove the erroneous derogatory information that they have reported to my consumer credit file. 

Please see the attached documents and remove ASAP!!!!
Product: Student loan

I have received an email from the U.S. Department of Education on XX/XX/XXXX stating that my student loans that I had acquired when I was attending XXXX XXXX were being fully discharged. It said that I do not have to make any more payments on the loans. 
I received a phone call about 2 months ago from someone at Mohela about my loans and how they were taking over my loans. I told them then that I had gotten an email stating my student loans had been discharged. All except my private loans with XXXX, who is a criminal organization as well. Today I get a bill in the mail from Mohela that states that I owe around {$15000.00}. I will not pay them. I have the email from the U.S. Department of Education.
Product: Debt collection

I recently checked my credit report and found a credit item from the group DIVERSIFIED CONSULTANTS. The debt collections agency claims I owe {$1000.00} as of XXXX 2015 to XXXX. This debt is not mine. Additionally, the agency has not attempted to contact me, that I know of. If I had n't checked my credit report, I never would have known this was going on.
Product: Student loan

I requested a refund for a payment I made on the student loan as part of the XXXX refund process. I submitted for the refund over 2 months ago on about XX/XX/XXXX and have not received it yet, and my account balance has not been updated. I have contacted Nelnet, my loan servicer, multiple times and they have still not issued for the refund for the {$10000.00} payment.
Product: Student loan

I have requested all legal/loan documents, since loan inception - XX/XX/XXXX to present - from Navient validating the amounts they are collecting on and reporting on and to date have not received anything. I received one letter from Navient stating they could not provide me anything do to my case being part of a current lawsuit they are facing and it is not a lawsuit I have filed or have been granted participation in from any party.If there is activity involving my records, I expect to be informed and allowed to participate.

Navient provided me reporting that shows activity dated XX/XX/XXXX and XX/XX/XXXX. I want all legal documents supporting that transaction along with all legal documents, from loan inception to present XX/XX/XXXX toXX/XX/XXXX 

I also expect this documentation and request to be given to XXXX XXXX directly and not the canned/call center of the Office of the Advocate that blocks resolve and simply sends out canned responses.
Product: Debt collection

On XX/XX/XXXX I looked at my consumer report and I see law offices mba on my consumer report. PER federal law 15 USC 1692 E ( 3 ) States that false representation or implication that any individual is an attorney or that any communication is from an attorney. The first communication I have is noticing this law firm on my consumer report with the name of law offices mba. I never had any written communication stating anything of this item that is on my consumer report per 15 usc 1692 c. I have never given this company permission to falsely place this item on my consumer report and by looking at this alleged debt this is a hippa violation due to the fact I do not know who this debt belong to because it does not belong to me. This is why you are to communicate the alleged debt to me by written notfication because this is clearly identity theft and a hippa violation. This company is false and misleading I have never went into any contracts with this company. per the privacy act of 1974 I never gave this company permission to purchase this debt and I opt out of this company reporting to my consumer report per 17 cfr 248.125.
Product: Debt collection

THE COMPANY, CREDENCE RESOURCE MANA, PURCHASED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION. ACCORDING TO 15 USC 3002 I AM A NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT ME. MY NAME IS XXXX XXXX. 15 USC 1692 ( A ) ( 1 ) THE TERM " BUREAU '' MEANS THE BUREAU OF CONSUMER FINANCIAL PROTECTION XXXX, XXXX, AND XXXX ARE ASSUMED TO BE CREDIT TO BE CREDIT BUREAUS AND THEIR IS ONLY ONE BUREAU AND THAT IS ONLY ONE BUREAU AND THAT IS THE CONSUMER BUREAU PROTECTION. XXXX, XXXX, XXXX, AND XXXX ARE ASSUMED TO BE CREDIT BUREAUS AND THEIR IS ONLY ON ONE BUREAU AND THAT IS THE CONSUMER FINANCIAL PROTECTION BUREAU. ON XX/XX/1933, CONGRESS ENACTED HJR-192 TO SUSPEND THE GOLD STANDARD AND TO ABROGATE THE GOLD CLAUSE. THIS RESOLUTION DECLARED THAT " WHEREAS THE DEALING IN GOLD AFFECT THE PUBLIC INTEREST AND ARE THEREFORE SUBJECT TO PROVISIONS OF OBLIGATIONS WHICH PURPORT TO GIVE THE OBLIGEE A RIGHT TO REQUIRE PAYMENT IN CONGRESS IN THE PAYMENT OF DEBTS. THIS RESOLUTION DECLARED THAT ANY OBLIGATION REQUIRING PAYMENT IN GOLD OR A PARTICULAR KIND OF COIN OR CURRENCY OR IN AN AMOUNT IN MONEY POLICY, AND. EVERY OBLIGATION HERETOFORE OR HEREAFTER INCURRED, SHALL BE DISCHARGED UPON PAYMENT, DOLLAR FOR DOLLAR, IN ANY COIN OR CURRENCY WHICH AT THE TIME OF PAYMENT IS LEGAL TENDER FOR PUBLIC AND PRIVATE DEBTS. 15 USC 1681 ( 3 ) ( E ) ( e ) THE TERM : INVESTIGATIVE CONSUMER REPORT MEANS A CONSUMER REPORT OR PORTION THEREOF IN WHICH INFORMATION ON A CONSUMERS CHARACTER, GENERAL REPUTATION, PERSONAL CHARACTERISTICS OR MOD OF LIVING IS OBTAINED THROUGH PERSONAL INTERVIEWS WITH NEIGHBORS, FRIENDS, OR ASSOCIATES OF THE CONSUMER REPORTED ON OR WITH OTHERS WITH WHOM HE IS ACQUAINTED OR WHO MAY HAVE KNOWLEDGE CONCERNING ANY SUCH ITEMS OF INFORMATION. CREDENCE RESOURCE MANA HAS ALSO INCLUDED IT'S SYMBOL WHILE ATTEMPTING TO COLLECT A DEBT WHICH IS A VIOLATION OF 15 U.S. CODE SECTION 1692b ( 5 ). I DID NOT GIVE PRIOR CONSENT TO COMMUNICATE TO ME. THERE WAS NO PRIOR CONSENT FROM A COURT GIVING PERMISSION TO CONTACT ME, THUS THIS COMMUNICATION IS A VIOLATION OF 15 U.S. CODE 1692c ( a ) WITHOUT A COURT ORDER BROUGHT FORTH. CREDENCE RESOURCE MANA REPORTED FALSE AND INACCURATE CREDIT INFORMATION VIOLATING 15 U.S. CODE SECTION 1692e ( 8 ). THERE IS NO PRIOR CONTRACT WHICH AUTHORIZES XXXX TO COLLECT A DEBT FROM ME AND THERE IS NO PART OF A CONTRACT THAT EXPRESSLY AUTHORIZED THE COLLECTION OF SUCH AN AMOUNT. THIS IS A VIOLATION OF 15 U.S. CODE SECTION 1692f ( 1 ). I HAVE REQUESTED THIS COMPANY TO PROVIDE DOCUMENTARY EVIDENCE THAT A LAWFUL AND LEGAL VALID CONTRACT EXIST BETWEEN XXXX AND I.
Product: Vehicle loan or lease

XX/XX/XXXX- received letter in the mail advising refinance documents were incomplete. 
XX/XX/XXXX - Called Chase Auto Services and explained I just refinanced and they should have all the information they're looking for, Chase rep advised to 'not worry ' and don't send the paper work. 
XX/XX/XXXX- never received registration renewal for my vehicle as chase submitted a sold notice on it. 
XX/XX/XXXX - Called chase, got the paperwork they needed via email and sent it off. 
XX/XX/XXXX - Renewed my vehicle. 
XX/XX/XXXX - Called chase about the issue as it has still not been resolved, they advised they have not received the paper work and sent me new paper work via XXXX  I never up sending this paperwork. 
XX/XX/XXXX- {$210.00} charged for Tax title fees, I called Chase and they advised they received the paper work and the title has been updated. 
XX/XX/XXXX - Charged {$320.00} for Tax Title Fees. Chase explained that I 'needed to go talk to a tax professional about taxes ' and refused to assist.