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

I opened my account in XXXX with XXXX dollars withdrew XXXX and signed up to XXXX XXXX a few weeks later after I gave them consent to withdraw XXXX my account bank of America released XXXX the first transaction and XXXX the second transaction to XXXX XXXX I immediately spoke with the bank and XXXXXXXX XXXX the bank was confused because they said I had 2 accounts which is odd and the fact I didn't get notifications from the bank about those transactions was crazy XXXX and not a txt or anything I figured it out with XXXX XXXX I thought until they sent back XXXX and I had to transfer the rest of it myself which including what they sent came to XXXX and when I spoke to the bank and XXXX XXXX I was being told I owed XXXX XXXX XXXX XXXX dollars and the bank had no idea so I magically lost XXXX and XXXX XXXX or bank of America have no idea I'm still fighting that, Then I had another XXXX check deposited in XXXX it was supposed to clear XX/XX/XXXX then the XXXX but when I went to bank of America they tell me I had late fees so they took that money out and told me they closed my account again with out notifications and no reason. they couldn't even tell me what happened to the XXXX now XXXX because of late fees.the answer has been it must of been mailed to you but it could of been sent back to XXXX XXXX or to fiancee 's address. They couldn't cash it out because it was in my fiancee 's name, but you can take your late fees out then close my account without me being notified how is that possible and XXXX disappeared and no one knows what happened to the check because once they took that money out they can't send it to XXXX XXXX and because it was entered into My account and bank of America took that money out it was cleared in the account under my name so it would be mailed to me if anything and I haven't received anything from them neither has my fiance or XXXXXXXX XXXX  because we checked and XXXX XXXX actually explained that the check was cleared and it wasn't supposed to be you can't return a check missing funds so it's probably the bank scamming you. 
So Bank of America lost over XXXX dollars of mine then closes my account for absolutely no reason but to try and get rid of me I guess XXXX was enough from one person Please help me get my money back it's XXXX just gone
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  ( Bank ) XX/XX/XXXXXXXX XXXX XXXX  ( Bank ) XX/XX/XXXXXXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXXXXXX XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX i didnt receive a card nor did i apply for credit with these agencys or banks plese resolve thanks
Product: Credit reporting

There is a freeze on my credit report for Equifax and I never requested one, I have n't heard anything or received any calls letting me know why or when this happened. I only found out thanks to applying for a loan and the vendor telling me my report is frozen.
Product: Student loan

I have loans through MOHELA. During the month of XXXX, my loans were put on backdated forbearance as a result of government sanctions. This forbearance was placed on XX/XX/, a day after to my initial payment ( XX/XX/XXXX  ) which was twice ( {$900.00} ) what I should pay ( {$430.00} ) on the SAVE plan. There is minimal documentation of how to see this forbearance period and how it impacts my payment. I called today to try and speak to someone about getting refunded for my payment if I was indeed in forbearance. I waited on hold for 45 minutes and when someone answered, the call failed. When I attempted to call back, the wait time was over two hours. I believe that the customer service failed the call to cycle through calls and avoid speaking with me. This type of customer service should not be allowed and actively punished.
Product: Vehicle loan or lease

Im having major mechanical issues with my car. I took the car to be serviced and was informed that the transmission will need to be replaced. The cost of repairs $ XXXX. The shop stated that XXXX has known issues with transmissions and they should do a recall. I called Ally twice to get help because I cant afford the payment. I no longer work for the same company and my income has been reduced by 60 %, I have to pay for travel back and forth to work. I believe I owe like $ XXXX on the car. I know it was a high interest loan. I called Ally to see if we could consider the car paid or some form of help. I was told to call my car insurance. I requested a supervisor and was giving options of a loan modification but they hung up on me. I dont know what to do. Ally is not trying to help me at all during my hardship, instead Im being treated like a number. I cant trade the car in because its worthless. Im asking for help during this time. I can provide statements if me paying for transportation to and from work and the invoice from the transmission shop. I dont feel as if Ally cared at all. I have paid a substantial amount for the car. Was even lied to about the extended warranty that was added on to the loan. Ally did nothing about that so Im paying the higher note because that was factored in. I didnt agree to the warranty and they didnt care because I didnt purchase the car through them. Please look into my concerns and not treat me like a number. I have been a customer over 4 years now and my car note is {$530.00}. Plus I have had late fees too. So I have paid more than what the car is worth. Now Im not sure if I can continue to work, paying for a ride to and from work is draining. And to also have to pay on an inoperable car is too much. Im begging and pleading for someone to look into this and help me. Im destitute and borrowing money from family to make it. I took a XXXX  % pay cut for this new job. I dont know what else to do I tried calling Ally directly and no help. Im asking to look into my concerns as an individual and not a number. I have tried to work with Ally before submitting this complaint. Im close to living in a shelter because of everything thats going on. Now my daughter will start back to school and its not on bus line so I have to pay for her to go back and forth. I need help, please help me. I dont have a car and no one will trade it in for what Ally is showing I owe. They said that the car has negative equity. Basically what I owe now its not worth the value of the car. Please help me, Im begging and pleading. I will have to leave my job if I dont get transportation.
Product: Debt collection

I had a delinquent phone bill in XXXX, it has been charged off and should be dropping off of my credit soon. ERC/Enhanced Recovery Company continues to illegally re-age my account by closing it and reporting it as a new debt by either of their names. Same company and it keeps closing and re-opening the debt and the age of the account is being improperly represented on my credit report. Currently the debt shows it is only a little over a year old and is actively reporting negatively every month. I believe they are attempting me to bully me into paying a debt that has been charged off for years by purposefully harming my credit with " new debt. '' The first day the account became delinquent should be accurately represented and they should be stopped. This is n't the first time they have done this, last time I caved and paid the debt that was due to drop off and saw no improvement to my credit score.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX - XXXX
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX  I received a phone from a company by the name of Oliphant Financial , LLC. Oliphant claimed that I owed them {$13000.00}, that I XXXX XXXX XXXX took out a loan that was never paid .Unware of what Oliphant Financial , LLC was referring to, I requested for contract documentation to be sent .I also provided Oliphant Financial , LLC with my mailing address. I also informed this company that I have never done business with them, nor did I provide them with my personal information. I also informed this company that I am a victim of Identity theft. 

On XX/XX/, I received another phone call from this company requesting that I make payment. I informed them that I still have not received a bill nor contract documentation. on XX/XX/XXXX  I wrote a letter to Oliphant Financial requested for contract documentation. On XX/XX/, my request was met. I have attached contract. I never shared my personal information with this, nor did I take out a loan with this company. My name is XXXX XXXX XXXX. Not XXXX XXXX, I did not sign any contract with Oliphant Financial , LLC.
Product: Credit card or prepaid card

In XXXX of this year there was 8 charges of XXXX e card from XXXX on line, they did stop the charges after the 2nd one, Bank Of AMERICA then sent me a email about false charges, I told them this was not mine, thet sent me a new Credit Card, and went to dispute the charges. in XXXX, 2021 they send me a letter saying XXXX said I ordered all of these cards, which was not true, I disputed it again and the sent me another letter two days ago saying these were my charges. I am a very honest person and never, ever did this charges, XXXX
Product: Debt collection

About 3 months ago I went to the bank in person and told them that I was consolidating my loan with the company XXXX XXXX XXXX, they made me write a letter explaining what I was doing. I told them that the consolidating company will take about 4 months to communicate with them to reach an agreement. They continue to call at all hours of the day none stop. They know from me what I'm doing and were told by me that I'm not reusing to pay, but that the consolidating company will contact them to make the payments. After that someone came to my house and left a note with 2 phone number.
Product: Credit card or prepaid card

I didn't receive the XXXX bonus poin ts from Hilton promotional offer ( Amex Hilton Credit Card ). I met the spending requirements ( Spend $ 1k in 2 months ) on the first month of receiving the credit card. After calling Hilton, the operator stated I wasn't eligible for the promotional offer because I had a Hilton credit card before , which is not true. The operator then couldn't give an answer ( After talking to his supervisor ). 

I opened this account around the end of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report.To this day, 60 days later, I have not recieved a response as of today. I am feeling like I am being ignored about my disputes.In Section 611 ( a ) it plainly states if they dont investigate these items within 30 days it gives reason to immediately remove these items from my credit report.It has been over 60 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation for the stress you caused me..My information was also impacted by the equifax Data Breach and may have fallen in the hands of the wrong person
Product: Credit reporting or other personal consumer reports

I was laid off XX/XX/XXXX of XXXX. I then went online Under XXXX website to request a forbearance for unemployment I received a notification on XX/XX/XXXX, stating that the deferment was approved up until XX/XX/XXXX.
Product: Vehicle loan or lease

My son at XXXX went to purchase a car. They asked me to be a co signer however they did not list me as a co signer. The actual loan is in my name. They request that we put a down payment and we did a trade in. However the car is a used 2013 kia shortage but Im paying the price for a new car. The car also has an engine recall and the dealership knew it. The payments are extremely high and I have a car note on my car. I feel as though the contract is not fair and Im being ripped off.
Product: Debt collection

I am filing this complaint because Americollect has iqnored my request to provided me with the documents that their company has on file that was used to verify the account I disputed. Being that they have gone past 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this manner as soon as possible. Thank you To provide accurate information showing my original signature that this debt belong to me. If not provide this need to get delete from all credit bureau reporting this false debt.
Product: Mortgage

I am a homeowner, and also in Pro Per against XXXX XXXX XXXX, servicer, and Bank of America, beneficiary. I have a straight forward case : approved and a written Trial Plan Agreement was memorialized. When it was memorialized it was sent to their Quality Control Department which sent the documents back to the Loan Mitigation representative to change the payment dates and then mail the documents to me, the homeowner ; he happened to quit that day and the Bank never followed up on the file. I, the owner, followed up by making over 41 calls ; the bank representatives that I talked to on the phone continuously told me my loan was in the Quality Control for review. When I called XX/XX/XXXX ; someone found my file in " XXXX '' XXXX XXXX Report ; at that time the Bank proceeded to foreclose on my home XX/XX/XXXX. ( The Bank eventually rescinded the title ( XX/XX/XXXX ) back into my name, but never modified the loan. I have continuously lived on my property since XX/XX/XXXX. {$50000.00} later I find myself in Pro Per, because I can not afford anymore legal fees, I represented myself during the three day trial, in which I am not an attorney and did not know the court procedures and was at a grave disadvantage. The Court and the Banks would not allow the case to continue, because there is a " Five Year Rule '' which I did not know about until I asked for the continuance. 
During discovery I discovered my application was fraudulent as well. There are so many issues regarding my entire case that there needs to be a higher power to look into my case and help me. I filed my complaint with the Independent Foreclosure Audit team and received {$6000.00} ; so there must be some validity to my case. Presently I filed my Objection to the Statement of Decision and Proposed Judgement ; I do not want to lose an opportunity to plead to someone who understands the issues. In the meantime, during Litigation, my loan is sold to XXXX XXXX that does not have a reputation of helping homeowners to obtain a loan modification ; their reputation is in selling the homeowner 's home. 
I want to stay in my home ; I have paid my mortgage payment on time for 22 years, and the year I have a hardship and approved for a loan modification-the Bank failed in their Fiduciary responsibilities. 
Can you help me in some way
Product: Mortgage

We were working on a short sale and the lender XXXX service release the loan to BSI. What the investors at BSI is wanting is illegal, and is trying to force the homeowner into a deed in lieu. This is why XXXX XXXX XXXX now has a class action suit against them. Per regulations when a loan is service released with a VALID approval the new servicer is to honor the terms. The short sale was approved on XXXX XXXX, 2016 with a closing date of XXXX XXXX. On XXXX XXXX, the approval was extended good through XXXX XXXX. The loan was transferred to BSI on XXXX XXXX ( per attached letter ). With that said, the approval was indeed valid at the time of the transfer and we would have closed by XXXX XXXX if BSI had promptly honored the terms as they are supposed to. 

BSI has been jerking me around for the past month and a half. I was originally working with an XXXX XXXX and he confirmed that BSI would honor the previous terms of approval and that we could expect an approval letter within in a day or so. Everything seemed fine until one day you were suddenly assigned to a XXXX XXXX and then started stating the investor will not allow a short sale and wants to do a deed in lieu. I will also be contacting BSI upper management/ombudsman to seek resolution on this matter in addition to filing a complaint with the XXXX. 

Thank you Kindly, XXXX XXXX Senior Negotiator Loss Mitigation Group P : XXXX F : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I previously filed a complaint with the XXXX  ( see attached ). On XX/XX/XXXX, I received a response from each of the Credit Reporting bureaus indicating that they had verified the Public Record, however they did not verify the record with the source of the Public Record. Rather, they indicated that they verified the record using a, unrelated 3rd party, such as XXXX. 

I find this impossible, as I have previously provided them a letter from XXXX indicating that this Public Record had been removed from their file more than a year ago. 

On XX/XX/XXXX I sent the a Certified Letter ( See Attached ) to each reporting agency providing complete detail that I do not believe their method for verification complies with FCRA 611 ( a ) ( 6 ) ( B ( iii ).  Included in this letter is a duplicate copy of the letter from XXXX confirming that no such record exists in their files. 

I further requested that they actually verify the Public Record with the USBK COURT XXXX XXXX  as that who they claim to be reporting the record. As provided in FCRA 611 ( a ) ( 6 ) ( B ( iii ), I asked them to provide : The description of the procedure used to determine the accuracy and completeness of the information. 
Name, address, and telephone number of each person contacted regarding this alleged account. 
A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

If they are unable to verify this record DIRECTLY with the Creditor they claim as the reporting party, I demand that they immediately removed this record from my file. If they again claim to have verified the public record, I insist that it not be with any unrelated 3rd parties and that they provide the details of the verification as described above
Product: Debt collection

repeated calls multiple times a day from various phone numbers If I answer, they say nothing. If I don't answer, they don't leave a message. I have called back and the name is National Credit Adjusters. I have no knowledge of this company except that they are harassing me with their calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX XXXX, XXXX, XXXX XXXX XXXX add a hard inquiry on my credit reports. 
On XXXX. XXXX, XXXX, FACTUAL DATA add a hard inquiry on my credit reports. 
On XX/XX/XXXX, US SM BUS ADMIN ODA add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Debt collection

I recently inquired about a medical collection that popped up on my credit report. I send a certified letter to SCA and the response received was a itemized bill listing personal information, procedure coding, facility information, and description of services. I requested a copy of said contract with my signature and they have failed to comply. Unfortunately, the said collection company and original creditor have violated my privacy with the responding received from the credit validation request. I am asking for this item to be removed immediately.
Product: Credit card

I have been a member of Diner Club for XXXX years. During that time I accumulated XXXX points. I cancelled the card on XXXX XXXX 2015. I tried to reclaim my points and was told by Diners that I had lost the points after XXXX days. My claim to the points was made XXXX days after closing. My claim is that this is fraudulent practice by Diners Club. Those points were earned based on card usage and have a redemption value of {$2600.00}, Diners have no right to cancel those points which were earned by me. I have written to Diners Executive Complaints and have had no response. Diners did not inform me in writing that I would loose my own points.
Product: Credit reporting or other personal consumer reports

I am submitting a formal complaint against Equifax, for failing to conduct a reasonable investigation into a dispute I initiated regarding inaccuracies on my credit report. The actions of Equifax violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically FCRA 1681i, which requires a credit reporting agency to conduct a reasonable investigation of any disputed information.

On several occasions, I filed a dispute with Equifax regarding an inaccurate entry on my credit report related to Within 24 hours, Equifax verified the information as accurate and failed to provide any supporting documentation or evidence to substantiate their verification. This hasty verification process is concerning, as the FCRA mandates that an investigation be thorough, and the disputed information be reasonably verified, including contacting the source of the information and ensuring the accuracy of the details provided.

As a result, the inaccurate entry remains on my credit report, and I have not received any proof of verification from Equifax, which is a violation of my rights under FCRA 1681i. The law clearly states that credit bureaus must conduct an adequate investigation, not a quick or superficial review. By verifying the dispute within 24 hours without providing any documentation or proper validation, Equifax has failed to uphold its legal obligations. 

I am also aware of a lawsuit currently underway against Equifax for their failure to perform reasonable investigations in accordance with the FCRA. This case further underscores the ongoing issue of credit reporting agencies neglecting their duties and violating consumer rights. 

I am requesting that the CFPB investigate this matter to ensure that Equifax complies with its legal obligations under the FCRA and performs a proper, reasonable investigation into my dispute. I also request that they provide the necessary documentation to verify the disputed information or remove the inaccurate entry from my credit report. 

Listed below are the accounts i have marked as inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX