23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

In effort to prove that my Promissory Note is valid legal tender, I discovered that BBVA Compass Bank is in Breach of Agreement concerning our contract, by concealing material information, and conducting unauthorized transactions. It 's been discovered that BBVA took our Promise to pay ( Promissory Note ) and deposited into an account, in I and my wife 's name that became asset for them that they used to fund our loan ; only it was not a loan, it was an exchange, they excepted our Promissory Note in exchange for credits to our transaction account ( s ) that we knew nothing about! they say that my Promissory Note is not valid legal tender, but yet they monetized our Promissory Note and never used a dime of their own, and then they are charging us back money we funded ourselves with interest. In the banking law, if the bank deposits the note, they must give you a deposit receipt, which we never received, ( see 12 U S C A Sec 1813 ). BBVA Compass Bank, is in violation of the GAAP and they know that they are! There is no way that BBVA Compass Bank can deny my complaint, because the proof is in the Bank Bookkeeping Journal Entries associated with our so called loan ; and the Federal Reserve Publication Modern Money Mechanics Pg 6, reveals that banks make loans by accepting promissory notes in exchange for credits to the borrower 's transaction account. They even admit that it 's an exchange. IF IT 'S AN EXCHANGE HOW CAN IT BE A LOAN? once again, I 'm asking for the title to our car, but if BBVA tries to refute this complaint in anyway, then I will demand full disclosure of all bookkeeping entries associated with our loan and the deposit slip for the deposit of our promissory note associated with our loan, which I have a right to by law of evidence.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, XX/XX/2022, XXXX I submitted a dispute with Experian regarding XXXX XXXX XXXX breaking the Gramm Leach Bliley act 15 USC 6802. The reporting of these account ( s ) is/are violation of SC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 

Experian refused to remove the creditor from my report.
Product: Mortgage

In getting the necessary paperwork for a mortgage refinance, the Bank that is doing the refinance ( XXXX XXXX Bank ) requested a loan payoff statement from the current holder of the loan ( Selene Finance ) on XXXX XXXX, 2016. XXXX XXXX Bank has made at least XXXX follow-up requests and Selene has still not provided the statement. I called Selene personally on XXXX XXXX and again on XXXX XXXX virtually demanding a response. Their response to me on the XXXX was that it would take a minimum of five days. After I demanded that the clerk follow up with a supervisor she came back on and said that I could " expect '' to get the statement on the following day. She explicitly offered no guarantee. When it did not arrive, I called and insisted on speaking to a supervisor myself. XXXX XXXX came on the line and was ever so conciliatory, agreeing that two weeks to comply with our request is unacceptable. He suggested that I have the statement emailed to myself rather than faxed to the bank. He could not be sure that their phone lines are reliable. I gave him my email address using the international phonetic alphabet, which he said he understood, and he read it back to me correctly. I have still not received the requested document. I can see now that XXXX XXXX XXXX is the epitome of passive aggressiveness. It seems that I am being punished for being forceful. Being patient and polite did not work. Being forceful did not work. The refinance will save me about XXXX dollars per month in mortgage payments. The only thing holding it up is this XXXX document that Selene seems to be refusing to provide. Please help.
Product: Vehicle loan or lease

I had an auto loan with Tidewater from XX/XX/XXXX through XX/XX/XXXX which is now paid and closed. Back in XX/XX/XXXX I made my XX/XX/XXXX payment which was due on XX/XX/XXXX. With a customer service rep via phone on XX/XX/XXXX due to moving in a new home. The Rep assured me that because i made the payment before XX/XX/XXXX although the payment would not post until XX/XX/XXXX. Because XX/XX/XXXX being a Sunday & XX/XX/XXXX being a holiday ( XXXX XXXX XXXX ). That Tidewater would not report my account as being paid 30 days late. 2 years go by and I recently checked my credit reports ( XXXX, XXXX, And XXXX  ) and see that Tidewater actually did report the account as being paid 30 days late for XX/XX/XXXX. Which is incorrect
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America credit card from XXXX is showing up on my XXXX XXXX for XXXX $ I had a card from Bank of America last year for XXXX $ that I never used and canceled. My XXXX  credit account is all messed up because of identity fraud. I keep freezing my account but these people opened an account with XXXX which is also on my credit but I have XXXX. I can't call any of these companies because my phone calls get ported and I never know who I am speaking with. I also have a XXXX  card that was opened last XXXX and was paid off but it says I still owe a payment and now I have just seen XXXX Bank for XXXX Card which I disputed because I paid the card off completely 4 months ago and it's showing XXXX XXXX cards... I don't know what to do this all started last XX/XX/XXXX and I actually canceled the XXXX account but someone opened and paid to have the premium account reopened so in my opinion they can somehow manipulate what is on my credit report. Since last year my credit score has dropped XXXXo points, I've had to close out all my bank accounts twice. XXXX recently just gave me a new phone because of all the coding that was in it from hacking. I can't keep an email address without it getting hacked including my work email.I work at a college and found a hidden voicemail last week about my student loans which I don't have. I have had my unemployment from state of XXXX opened twice and I've contacted authorities, FTC, and I was told by XXXX to go to the FBI.
Product: Credit reporting, credit repair services, or other personal consumer reports

My first savings credit card is being improperly reported as me being over the credit limit which is a violation of the fair credit reporting act. See XX/XX/23 statement attached
Product: Checking or savings account

TD Bank has held my funds for over a year now. we thought the XXXX dollars I deposited in XXXX of 2023 were sent back to my boyfriends ( XXXX XXXX ) account at XXXX XXXX XXXX in XXXX of 2023. I guess I made a mistake by depositing the check in their atm. They said we needed to fill out a form, I had no problem signing any papers necessary. In XXXX of 2023 they said the funds would be mailed to me or sent back to the creator of the check. At that time, they closed my account with my funds still not returned. Since we didn't receive a check, we thought the funds were returned to XXXX XXXX. Little over a month ago we needed the money to pay bills loans etc. Called XXXX XXXX to withdraw funds and found out the money was never put back. Now we were in a serious bind, started calling TD trying to get my money because the electricity was shut off, loans are now past due. They had me go into the TD brank in XXXX XXXX to close the account that was already closed and get the funds. That never happened had me calling the fraud department person after person. Everyone has lied to us. They told us fund were put into a XXXX  account. then they told us they didn't know where it was. I had a 3way call with TD, XXXX XXXX and myself to verify funds. nothing has been done to date. Im still without power no food ( except from XXXXXXXX XXXX ) bills piling up. Please help XXXX
Product: Money transfer, virtual currency, or money service

I was recently the victim of an apartment sub-lease scam where I sent money to a fraudulent agent. The perpetrator was convincing and had email addresses matching the domain the apartment, with no warnings in my XXXX indicating they were from a fraudulent source.

We began email communication on XX/XX/2018, and I dispensed funds ~ XX/XX/XXXX and ~XX/XX/2018.

Our exchanges went via email and I transferred {$4000.00} ( XXXX XXXX USD ) through the XXXX   ' service on my Bank of America account, later to learn this was a fraudulent agent displaying false documentation.

I mistakenly deemed this money transfer method as safe, having placed trust on Bank of America ( 5+ year account ), the superb fraud prevention track record I'd experienced with them, and mistakenly assuming 'XXXX ' had transaction protection features such as those of XXXX. I was mistaken ; later to learn this is a salient issue.

The BoA phone assistance politely informed me two days ago they would request the perpetrator to return the funds, and that this is the sole path forward. An unlikely event.

The email and the alleged name used by the perpetrator : XXXX XXXX   <XXXX> The perpetrator 's alleged banking information : Account holder name : XXXX XXXX Account number : XXXX XXXX XXXX XXXX   Swift Code : XXXX Bank name : XXXX XXXX XXXX  address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX , PA XXXX Home address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX , PA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an incorrect previous address listed for me in Indiana that was reported on XX/XX/XXXX. I have never lived at that address. The address belongs to an exhusband who was unable to be located for divorce proceedings and who unlawfully used a credit card of mine in California in XXXX that was reported and funds were received back into my acct. Please remove this address from my credit report.
Product: Student loan

Fed Loan Servicing has continuously under counted my qualifying PSLF payments. I have 103 payments, but Fed Loan has miscounted my qualifying payments as 68. They have failed to update my payments despite supporting paperwork and evidence submitted by me. I ask that they and the Department of Education please update the payments by the end of XXXX.
Product: Credit reporting or other personal consumer reports

Please send thse attachments to XXXX after i sent a dispute in through the CFPB in regards to the XXXX data breach claim settlment that i was awarded. I wrote experian shwoing them they are the last person honoring these accounts and they need to come off due to fraud. THey then asked me to provide them documentation even tho I did on CFPB website and they asked be to upload docs to the experian.com/upload web page however for days now it will not allow me I am even including a screen shot of the error message it kept sending. But here is the information requested, I have provided all of these over time at one point or another and you guys have just not done your job and removed them. I can prove 20 different ways without a shadow of a doubt that I wasnt in some of these states nor did I live in a common said during this time and can prove it due to court orders and military XXXX, during this time period. How can I be on XXXX but going to school and applying during a time I am states away and locked up, I cant, please remove these immediately! You can even look at my credit score right now and you will see a closed debt from XXXX from some of the same years that this auto loan and student loans are aquired .... Well thats impossible it could be me cause XXXX is the XXXX XXXX XXXX XXXX ... And do you know what that closed XXXX account was??? Take a while guess .... ITs from two back to back XXXX and the XXXX over paying me but not noticing until I was back state side after 36 months... So then I had to pay it back and they reported it to you ... .... So logically think how that would add up?? it doesnt.. thats cause these area ll fraudlent please send all of this and the attachemnts to experian regarding my last dispute
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX Follow-Up : No Response Received Regarding Late Payment Dispute** Dear Sir/Madam, I am writing to follow up on the letter I sent on [ XX/XX/XXXX ], regarding the late payments marked by your company for my account on the following dates : Date of Late Payment : XX/XX/XXXX In my initial correspondence, I requested information pursuant to 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) and 15 USC 1666 ( b ), specifically regarding the reasonable procedures you have adopted to ensure timely and accurate reporting of payment history on my consumer report. Additionally, I requested a written explanation of how these procedures align with the requirements set forth under section 1637 ( b ) of Title 15.

As of today, I have not received a response from your office. According to the Fair Credit Reporting Act, you were obligated to respond within 30 days of receiving my letter. Your failure to respond within this timeframe implies that you may lack the necessary procedures to verify the accuracy of the late payments reported. 
Given the absence of a response, I request that you promptly remove the late payments from my account and update my consumer report with the credit reporting agencies ( XXXX, Experian, and XXXX ) to reflect this correction. The negative marks on my credit report are adversely affecting my financial standing, and I urge you to address this matter with the urgency it deserves. 
Please confirm in writing that the requested corrections have been made and that my account has been updated to reflect a positive status. You XXXX forward any updates and responses to the address listed above. 
Thank you for your attention to this matter. I look forward to a prompt and positive resolution. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : XX/XX/XXXX SSN : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have a complaint against the 3 credit bureaus- XXXX XXXX XXXX XXXX Equifax XXXX I work in the mortgage industry as an Underwriter so I see credit report 's all day long and the credit scores are all over the board. I obviously can not give out names or SS # s to show you examples but my own credit report would be a good example. I have had a perfect credit history for past 3 years and before that I had 2 X 30 day lates. I check credit karma almost daily to view my report. After viewing my credit scores yesterday, one bureau dropped 70 points because my 3 different accounts increased by no more than 120 a piece and that is not over the credit limit either. How can the scores vary so much? I have also seen where people with new credit, less than 12 months and only 1 tradeline have scores over 700. How is that? 
Something is totally wrong with this system and it needs to be addressed. It's so frustrating to watch my scores go up by a few points then just sky rocket down, it's not right especially when I have worked so hard at keeping everything paid on time. 
Please advise on how to get this corrected. I am sure that I am not the only person that feels this frustration.
Product: Mortgage

My husband XXXX XXXX XXXX XXXX. I contacted XXXX for loan modification a month later. Was told within 3 minutes that I was denied. They foreclosed on my home.
Product: Debt collection

Dated XX/XX/XXXX with this account number - XXXX and this collection date of XX/XX/XXXX. The debt is a Returned Check for the Amount of {$510.00}. It was placed on my credit report by TRIDENT ASSET MANAGEMEnt for the Original creditor of XXXX XXXX. The Contact information listed is XXXX XXXX  XXXX XXXX, XXXX, GA XXXX, ( XXXX ) XXXX. Disputed at least 4 times with no help from the credit agencies. I want this false information taken off my credit report. Here is my story : I did not bank with XXXX XXXX in XXXX. In fact my account with them was closed in XXXX. 
I have disputed this at least 4 times and I've asked them to send me a copy of this check. I've gotten no reply from the company and 've gotten no help from the credit companies, ie, XXXX XXXX and XXXX. I want this false information taken off my credit report. 

I'd also like to know why the credit agencies make the consumer prove the information showing on their report is wrong. Why isn't the company placing the negative information on a consumer 's credit report responsible for showing the accuracy of the complaint? An example is the complaint I am submitting. I've asked them at least 4 times to remove this information and have told them the company refuses to send me information so that I can verify this debt. If the company putting an outstanding debt on someone's credit report can't submit proof of the debt why are they allowed to put it on there? Why are they not required to show proof of the debt before being able to put it on a person 's credit as a bad debt? Especially since a credit report can make or break a person 's life? Why is it that the consumer is always considered wrong in this process? Companies aren't exempt from making errors. If people are denied employment because of the information placed on their credit reports, why isn't that company required to prove that debt before the credit agencies just blindly put it on there. I think we are working with antiquated processes in the 21st century. Maybe this whole credit reporting should be looked at and updated to the way we live now days. If the consumer is disputing something and the company that put it there can't prove it, it should automatically taken off. Please advise.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XX/XX/XXXX
Product: Mortgage

At the end of XX/XX/2020 we received our XXXX statement in which it showed our mortgage payment was increasing by $ XXXX. When we called they stated that it was due to an escrow analysis and the escrow account was short so we needed to pay back into the escrow and also the escrow for the year ( 2020 ). We asked for assistance in an adjustment due to the fact that $ XXXX increase in the middle of a pandemic is a financial strain on our family. They stated that they did not have the homestead exemption on file and we needed to send this to them so that they can make an adjustment that was properly calculated as at the moment they were over calculating our escrow amount. We sent them the trim notice on XX/XX/2020. We received receipt notice from XXXX of our trim notice being received on XX/XX/2020. It has been over 5 months and we have yet to have this resolved. We spoke to an escalation supervisor on XXXX by the name of XXXX XXXX and she stated we needed to start the process again and submit the trim notice again and request the escrow analysis again because they never processed our initial request. This is ridiculous and it is causing strain on our family that is already going through a financial hardship.
Product: Student loan

I was on the phone with Navient today to get my payment plan resolved and spoke with two girls, one was XXXX and the other I dont recall her name. The only options they were giving me because Im out of work was interest only which I was ok with making one payment to become current but couldnt promise any near future payments because I am out of work. I want to be responsible and come up with a good resolution for my circumstances. When they teamseferred me to XXXX XXXX or XXXX not sure. She was so rude, unhelpful and mean. She pretty much accused me of still having work and that she cant grant me hardship because she believes I am still working. I was so offended by this treatment because she had no right telling me Im working when Im not. Im not currently working and would like some aid/help in my position. Im still in awe with her treatment of me and disrespect. I wouldnt wish that on my worst enemy.
Product: Debt collection

XXXX XXXX keeps selling to bill collectors a charge that is not mine. The CFPB has assisted me in the past in getting this resolved. A new company is now trying to collect it. Please tell them to stop harassing me for a debt that is not mine.
Product: Checking or savings account

I recently opened an account with Wells Fargo and learned I was a victim of identity theft. I am newly XXXX XXXX XXXX, and there were numerous accounts from years ago that I never opened. 
I left my phone and card at XXXX in XXXX and had to call Wells Fargo. I ended up not using that card because it was embarrassing to have my newly funded card decline at the store with a cart full of groceries. I called them, and they unlocked it ( XX/XX/year> at XXXX am ). Then, someone took my PIN, phone, and card and went on a shopping spree in downtown XXXX on the same day at a different XXXX ( XXXX minutes away from where I live ) with my card. I checked my banking app that night and saw the transactions. 
I filed a dispute with Wells Fargo and also tried to give them my police report, but today I got an email saying they determined no error occurred ( XX/XX/year> at XXXXXXXX XXXX ). 

Transactions : On XX/XX/year> someone used my Wells Fargo debit card to buy multiple '' Lyft Ride '' ( XXXX, XXXX ), " XXXX XXXX 's '' ( XXXX, XXXX ) and XXXX Grocieries ( XXXX )
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit it is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am-asking you to verity as accurate account ( XXXX XXXXXXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX Disputed this account I have no knowledge of. I have disputed online, mail, phone and also have a dismissal letter I sent a never served or informed of any courtdate. They have yet to even respond other than expierian saying they validated the debt but how? And where are my copies?