23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I had a car loan through PNC and after being talked into making them my primary bank, opened an account with them. On two separate occasions, several months apart, they initiated payments from that account as I was behind on my payment ; but the funds were not available on either occasion and they generated overdraft fees. I choose to no longer keep funds in the account and switched my direct deposit back to XXXX. The account was a requirement for payments on my car loan so I maintained, but they started charging monthly charges which I was not going to pay. Rather than reverting the account to the free account I had initially requested, they charged off the account. While all this was going on I entered my final semester in college and had trouble obtaining my financial aide and was again behind on my payments. They contacted me when I was 2-3 months behind on my payments ; I attempted to inform them that I would make a partial ( half-month ) payment, followed by a repeat of the same in 2 weeks, and a full payment on the next due date to reduce my delinquency. I was told that only a full payment would be accepted and that repossession would be attempted. No resolution was reached. When I received my financial aid a month later I attempted to make my account current. The checking account had been closed and I had no path to make my payments. I called the local branches on multiple occasions, was connected to non-local branches on multiple occasions, went into the local branch, called the auto loan branch and there was no one willing to accept my payments, nor to simply reopen the checking account to let me then post my payment. Just short of two months later the car loan was closed in a defaulted standing. When approached by the auto loan/reclaim department of PNC, I was offered a repayment offer that would give me a lower monthly installment ( & lt ; $ XXXX/month ), which was not much of a shift from the original setup ( $ XXXX/month ... I always made payments of $ XXXX/month ). The intent was to " reboot '' my loan, while not removing any of the default reportings on my credit. So go back to the status quo, but have a far less chance of refinancing with another loaner to get away from those that I now had sour business dealings with. I opted to make no payments and not divulge the location of my vehicle and now 2 years later ( with no payments! ). I approached the bank with a settlement option, {$3600.00} on the $ XXXX+ that was the remaining balance, no interest would be accepted on my part as I did not feel it was fair or in my best interest to include them in the base evaluation. My account has now been reported as paid in full on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just of couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. 

XXXX XXXX {$55.00} XXXX  XXXX {$1900.00} XXXX XXXX   XXXX {$1100.00} XXXX XXXX XXXX {$410.00} XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX {$88.00} XXXX XXXX XXXX {$650.00} XXXX  XXXX XXXX  XXXX {$450.00} XXXX/XXXX   XXXX {$870.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX {$420.00} XXXX  XXXX {$820.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account Number : XXXX and XXXX XXXX Account Number : XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C. q681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

Im XXXX XXXX. My bank account with moneylion was used for an fraudulent XXXX XXXX transaction of {$280.00}. The bank is refusing to adjust my account correctly. Also this company and its representatives have be outrageously rude disrespectful and XXXX. Also this company is discriminating against XXXX XXXX. Hindering us by making us last when it comes to time frame of services. When asking for manger or supervisor I was made to wait 3 different times up to 30mins long. I will file complaints with cfpb, XXXX  and I will let everyone I can know how badly this Bank operates with XXXX XXXX
Product: Student loan

I have XXXX issues. The most important is at the top. The other XXXX are smaller. 

Discover Student Loans has begun taking double payments from each money, starting in XXXX. I thought it was just some random issue with auto-debit but when I called to fix it, they claimed there was no issue. I 've attached part of a bank statement showing XXXX payments from Discover. I 've also attached the payment history from Discover 's webpage. As you can see, it is kind of a mess. But if you look at individual loans, you 'll see that each loan has actually had XXXX payments applied to it within a short period of time and then XXXX payment reversed. I did not make any manual payments, all happened automatically. The same thing happened at the beginning of XXXX. As you can also see, my bank account balance was sufficient for the payments made, and there is no reason a payment would be returned. Nor was any payment returned to my bank account. Obviously if they claim double payments were not made, they are probably not crediting those payments correctly. 

Additionally, I have XXXX smaller charged off loans with Discover. I have been making payments according to the payment arrangement we made. When I called to talk about the above issue, they claimed that the payments would need to increase despite our agreement and implied they did not intend to continue following the agreement. Regadless of whether a charged-off loan is due immediately, a subsequent agreement to accept a payment plan should be binding. 

Third issue, which may be more of a clarification, but I believe my loan payments jumped considerably around when Discover purchased these loans from XXXX. I have requested my Promissory note to see what the original terms were, but I do know that I was not always under such a large monthly payment, and the large jump in payments is much of the reason why the smaller loans ended up charged off.
Product: Credit reporting, credit repair services, or other personal consumer reports

The problem Am having with Equifax is that this account is passed the statute of Limitations. Account Name : XXXX XXXXXXXX XXXX Date Open : XX/XX/XXXX Date Closed : XX/XX/XXXX Balance : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may Concern I'm a Victim Of identity theft. These Account that is On my Report. I did not Give any One consent To Open These Accounts. All Accounts are Fraud This is very Stressful I'm a single Mom Trying To do right for my Life now Someone is trying to Destroy my Name and Life Please help me Resolve This Situation
Product: Payday loan, title loan, or personal loan

I received a Title Loan from TitleMax which charged an annual interest rate of 160.03 % for a 5-month loan. In the State of Texas, the interest rate can only be 10 % maximum per year, which is a violation of Title 4 Sec. 305. I sent a Negotiable Instrument per UCC 3-603 to XXXX XXXX CEO of the company which was received via Certified mail on XX/XX/XXXX ( Certified Mail No. XXXX XXXX XXXX XXXX XXXX ). The debt should have been discharged. I continued to call to check the status of my account and was never notified that my car would be repossessed. According to the postal rule, a contract is accepted when the offeree places the document in the mail but in this case, the document was accepted and signed for. However, my car was repossessed on XX/XX/XXXX. I made my payments up until the document was received.
Product: Credit reporting or other personal consumer reports

Per the Fair Credit Reporting Act ( FCRA ), as delineated in 15 USC 1681 section XXXX ( a ), it is emphasized that consumer reporting agencies must execute their significant responsibilities with fairness, impartiality, and a profound respect for the consumer 's privacy rights. XXXX, XXXX, XXXX XXXX XXXX, and Experian, being consumer reporting agencies, hold this obligation. As a federally protected consumer, I have the right to safeguard my private information, as reinforced by 15 USC 6801, which underscores the XXXX policy of ensuring financial institutions respect customer privacy and safeguard nonpublic personal information. 

Furthermore, entities providing information to credit agencies, categorized as financial institutions under this statute, are bound by 15 USC 1681 section XXXX ( a ) ( XXXX ), requiring consumer reporting agencies to furnish consumer reports solely in accordance with the written instructions of the concerned consumer. XXXX, Experian, XXXX, XXXX XXXX XXXX, and the financial institution furnishing information to credit agencies lack my consent to furnish this information, let alone my written consent and violate their own terms and conditions by sharing information with nonaffiliate. Consequently, any and all consent, whether verbal, non-verbal, written, or implied, to XXXX, Experian, XXXX, XXXX XXXX XXXX, and the aforementioned financial institution is hereby revoked. 

Moreover, 15 USC 6802 ( b ) ( c ) mandates that a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is informed of their right to exercise the nondisclosure option. Regrettably, I have not been informed of this right by the financial institution furnishing information to credit agencies. Additionally, 15 USC 1681C ( a ) ( XXXX ) prohibits consumer reporting agencies from including adverse information in consumer reports without authorization. Despite this, the account in question is being reported without my permission, contravening the law. 

Further, 15 U.S. Code 1681s2 ( A ) ( XXXX ) dictates that no person shall furnish inaccurate information relating to a consumer to any consumer reporting agency. XXXX, XXXX XXXX XXXX, XXXX, and Experian, therefore, are failing to maintain reasonable procedures to avoid violations of this statute, as required by 15 U.S. Code 1681e.

Finally, pursuant to 12 CFR 1016.7, I am exercising my right to opt out of your reporting services effective immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

When attempting to ask for a goodwill request over the phone, the 3 customer representatives that I had spoken to had recommended that I send in a letter explaining that I would like my credit card late payments to be removed. However, after nearly two months, I have not gotten any response from Capital One. The customer service representatives have been trained to direct any questions to the capital one office in Utah.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted TransUnion & XXXX several times about XXXX XXXX XXXX. This account has been reporting on my credit for over seven years. I asked that it be removed & they continue to report it.
Product: Credit card or prepaid card

No I didnt not so can you close it end for me please.. 
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX ( XXXX ) XXXX XXXX Netspend prepaid MasterCard XXXX XXXX XXXX XXXX XX/XX/25 XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # XXXX I have disputed this account on Experian as I never signed up for this XXXX XXXX. 
In my online dispute, I stated the inaccuracies on this account such as an address that is not mine also the last name is different from mine. 

XXXX has sent me a letter which I will attach along with statements to my home all of which I never requested, which have someone else 's information on them I will also attach. 
This is negatively affecting me, as I have always had A+ credit.

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Mortgage

On XX/XX/year> I requested to make a payment of {$360000.00} on a home mortgage I have with Rocket Mortgage. I owe about XXXX XXXX on the mortgage. 
After asking the lender how to process the payment they told me I can not make a payment in excess of XXXX XXXX of the outstanding amount. I reviewed the loan documents and this was never a condition of the loan. 

I then asked to speak to a supervisor and they told me that it would be fine. I went ahead and processed the payment via wire from my bank. 

After coming home, I received a call from the same supervisor who said she was wrong and it would be rejected. 

I do not understand how it is lawful for a lender to create new terms to a agreement to supersede the agreement without my acknowledgement or approval.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureauthe date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXT XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, I made a shipment with the remittance company REMITLY for the amount of {$130.00} USD, the problem arose when my mother, the person who should receive the remittance, went to withdraw the money, they told her that it had already been withdrawn, my mother spoke with the manager of the REMITLY associate bank in XXXX and they actually realized that the money had not been withdrawn but according to them the problem was being in the REMITLY system, since the day this problem appeared I have been trying to solve it with REMITLY, but They say they need proof from their associate to confirm that the money was not withdrawn but I have been waiting for a response for XXXX  days and every time I call they tell me I have to wait. I hope you can help me solve this problem, thank you very much. 
Reference number XXXX
Product: Credit card

I recently opened an Amazon XXXX co-branded credit card because of the outstanding benefits consumers enjoy when they use it to shop with Amazon services. Unfortunately, Chase Bank has decided to abruptly and unceremoniously end the relationship and wont even divulge any reasoning or logic behind this business decision. I have always paid the card in full and was never delinquent, so clearly the decision was fiscal, it was personal.

I understand banks have the right to end relationships with customers at any time for any real reason and vice versa. But it seems to me unjust that Chase approved this card to only then revoke it shortly thereafter - this will now negatively impact my otherwise immaculate credit score. I would have rathered you never approved me at all. At a minimum, the bank should give me more information.

It also seems inappropriate, unfair, and maybe discriminatory to block consumers from enjoying these promotional benefits for arbitrary reasons - there is a material loss sustained here as the injured party who can no longer enjoy the 5-6 % cash back bonus that I otherwise would be able to as an avid Amazon shopper , as other consumers freely do.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account NumberXXXX Account Name : XXXX XXXX XXXX XXXX Account NumbeXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I hired an independent contractor to build a porch. We communicated both in person and via email. He said he required no $ down until the job was finished but I then received an email from him requesting 50 %, {$2100.00}, due to the high cost of supplies. I sent it via XXXX to the link he provided. When the job was completed, I said that I had paid him 50 % and he said he had never requested that. I showed him the email and he said it was not him. I contacted BOA immediately and filed a complaint. They temporarily refunded the # but took it back on XXXX after they sent a letter saying they were unable to approve the claim. They furnished the recipient providers name, XXXX, their email, XXXX, and their phone #, XXXX. I went to the XXXX, NY office and spoke with XXXX, who put me on the phone with XXXX from their fraud dept. She said it did not fit their definition of fraud and there was nothing more they could do. I then spoke to one of her supervisors, XXXX, who also said the same thing. He said he was giving it to their scam tracker dept. but that there was no way I could speak with them. IF they recover the XXXX I will get it back. I told him that I was reporting this to the XXXX XXXX XXXX XXXX XXXX who has now forwarded it to you, I believe, and the BOA and also suggested that I file a complaint with your dept who has jurisdiction over the subject matter of my complaint. I do not understand why the BOA is not more persistent in recovering the XXXX We have been with BOA for decades. I am hoping that you can be more affective that the BOA. Sincerely, l XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I spoke with an employee on ticket number XXXX, asking them to push back my loan for 30 or 60 days because I had to close my XXXX  down in XXXX do to the state telling us do to the covid-`9 pandemic. The employee from prosper told that she is only allow to push it back a month and I would be charge a late fee or interest. So I told them that was perfect. I then received an email from them saying the following. 

Thank you for reaching out to prosper to ask about financial relief during the recent covid 19 pandemic your loan payment due date will be moved forward by one month. We want to assure you that you that you are not being asked to make a double payment on your next payment due date. You have the full lenght of your loan term to make the payment that was due in the month. However please note that you are still responsible for making that loan payment satisfy the loan balance by the maturity date and that interest will continue to accrue daily in accordance with the terms of your promissory note. 

So when I called back and told them that the state said they can not charge you interest they said that's only for business and not personal which is not right and I cant offred it at this time and it will be going on deliquesce because I can't pay it do to the shut down
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights 15 usc 1681 section 602 states I have the right to privacy.

15 usc 1681 section 604 A section 2 it also state a consumer agency can not furnish my account without my written instructions.

15 usc 1666B a creditor may not treat a payment on a credit card on an open end consumer credit plan as late for any purpose