23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Today, XX/XX/2023, I deposited a cashier 's check on my Bank of America account that I received after selling my car. The information I received from the bank teller was the money would be available in my account tomorrow. The same information was available in the bank 's app. The buyer is out of state and already made arrangements to collect the car. However, I received an email from BofA, late at night informing me that a hold was placed and the money will only be available XX/XX/XXXX, XXXX, exactly ten days after the deposit. 

How my bank, which I trust my money, will place a hold of ten days on a cashier 's check? What I will tell the buyer tomorrow when he arrives from another state to collect the car?

Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

CRA not in compliance with FCRA & FCPBA this investigation is taking longer than it should.
Product: Consumer Loan

I co-sign on a loan with KIA Finance for my son. They initially started off with misrepresentation by telling me if I cosigned for my son for 6 months they would be able to take me off the loan. Later I found out that they could n't take me off and he would have to find someone to refinance the car in his name only. Now over a year later, I contacted my son so he could make a payment of {$310.00} by XXXX/XXXX/XXXX so my credit would not be messed up. I got the amount off of their website in the amount due column. Today I notice that the {$310.00} was paid but it was still showing us {$78.00} past due. It appears they took the {$78.00} out and applied it to a nsf charge that was done on XXXX and another nsf charge that was paid on XXXX/XXXX/XXXX. One of the agents said that whoever put the payment in put it in incorrectly and they can not apply part of the reg payment to nsf charges. I also asked if he owed these charges why did n't they take it out of the payment when he over paid in XXXX and XXXX. I asked if they could reverse the payment so that it will not show past due and they said they could not. They are giving me a credit for {$30.00} and I do appreciate that but it still does not help with the affect this will have on my credit. They told me that they could apply the funds paid any way they wanted to. I explained to them that one of the charges did n't occur until the XXXX of XXXX so we would not have had knowledge of this until the next statement was issued and the other charge should have been took care from the overpayments in XXXX and XXXX. Right now I am trying to get the {$47.00} up so my credit will not have any negative marks on it. I am totally confused at Kia 's misleading business habits. It is very upsetting to pay what their website asked for and find out the funds was mishandled.
Product: Debt collection

I was a victim of identity thief a few years back roughly around 2018 I have always had an fraud alert on my credit report usually someone would call me asking security question assure its me before someone apply a credit card in my name with this particular company they failed to follow my written instructions in my credit file at that time, its been a long time since I pull my credit report and I notice quickly there was a collection of {$1400.00} LVNV funding stating I owe them which i never received any notice from this collector, it was even more odd it show they was collecting a debt allegedly from XXXX XXXXXXXX, which I dispute unauthorized charges and fraudulent account with the original debtor known as XXXX XXXXXXXX. And send documentation to the bureaus to dispute these allegations, my credit file was never update by the bureaus I send valid drivers license, showing correct address, plus police report with I have reported twice and follow up. this company is violation of FCRA rights, and 15 US code 1681 C-2 15 US code 1681 ( d ) and ( c ) 15 US code 1681i ( a ) and ( 5 ) 15 US code 1681m ( c )
Product: Credit card or prepaid card

A fraudulent charge of {$55.00} appeared on my XX/XX/XXXXcredit card statement. It stated that I used my card at XXXX store # XXXX on XX/XX/XXXX to make a purchase. I reported the charge to Bank of America, and received a new card with a new number. When I first reported the fraudulent charge in XX/XX/XXXX, I did not provide receipts or any other proof. I received a letter from Bank of America dated XX/XX/XXXX, that my claim was denied. On XX/XX/XXXX, I was able to recover receipts from said date of XX/XX/XXXX that showed that I did not make the {$55.00} purchase. I then went to a local Bank of America branch and provided this proof, which they faxed to the appropriate department. A few days later, on XX/XX/XXXX, I received a letter stating my claim was resolved in my favor, and they would let me know if they needed any additional information. I never heard anything more, until XX/XX/XXXX, when I received another letter from Bank of America stating that my claim was denied again. Due to this conflicting information, I called Bank of America. I have made several phone calls and have been transferred to so many different customer service associates, most of whom are apologetic, some of whom agree that there was an egregious mistake on their end, but it still hasnt been resolved. I proceeded to contact corporate customer care, and submitted my issue by email. I was contacted by them within 2 business days, and had to repeat the same story to this person, who asked me many questions, and also told me I could try to resolve it with the merchant, or report it to a credit bureau. So I called the merchant and tried to resolve it with them, but was told it must be resolved with the bank. Meanwhile, the Bank of America associate said they would reopen the claim. When I called again yesterday to confirm this, I was put on hold and promised a return call but I was never called back. Bottom line is, I did not make this {$55.00} purchase. I have been a Bank of America credit card holder for 30 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Old information reappearing on my Transunion credit report.
Product: Debt collection

I have been disputing this account with the credit bureaus for sometime now. Each time they would say that ERC would verify the debt. So I took it upon myself to ask ERC for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/2021. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, TRANSUNION, and XXXX have violated all of these codes listed below : In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX and XXXX XXXX, has violated my rights. 

1. 15 U.S.C 1681 section 602 A. States I have the right to privacy.

2. 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 3. 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 4. 15 U.S.C 1692B Section 4 States : not to be communicated by post card 5. 15 U.S.C 1692B Section 5 States : not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt
Product: Student loan

Since XX/XX/XXXX, Navient claimed that it was not possible to defer the loan because the U.S. Department of Education did not allow it. It is just no longer possible to take out federal student loans for enrollment at the deferment-only foreign university. It does not mean that the loan can not be deferred. 

In XX/XX/XXXX/XX/XX/XXXX, Sallie Mae Bank had exclusive rights to issue Federal loans to XXXX students. Sallie Mae Bank cheated the system and refused to issue XXXX XXXX   but private loans only, when XXXX was still eligible for XXXX XXXX. Navient is now the servicer for this loan. 

Last week, I sent complaints to Office of Inspector General ( ref # XXXX ) and FSA Feedback System. The XXXX said that the students that stayed at XXXX to finish the education can still get deferral. FSA Feedback System also advised that CFPB should directly handle the case. Navient must not be allowed to keep on closing a CFPB complaint by just sending in a response without taking action to solve the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the inaccuracies on my credit report that have been reported by the following creditors : XXXX CHILD SUPPORT XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXXXXXX. 

XXXX CHILD SUPPORT XXXX has reported inaccurate information to the credit reporting agencies, which may potentially violate the Fair Credit Reporting Act ( FCRA ) section 623 ( a ) ( 1 ) ( A ). Additionally, this creditor has failed to report the correct account status, which may potentially violate FCRA section 623 ( a ) ( 2 ). Furthermore, XXXX CHILD SUPPORT XXXX has reported different account type information on different credit reports, which may potentially violate FCRA section 623 ( a ) ( 1 ) ( B ). 

XXXX XXXX XXXX XXXX has also reported different account type information on different credit reports, which may potentially violate FCRA section 623 ( a ) ( 1 ) ( B ). Moreover, this creditor has reported inaccurate last reported dates, which may potentially violate FCRA section 623 ( a ) ( 1 ) ( A ). 

XXXXXXXX XXXX XXXXXXXX has reported different account type information on different credit reports, which may potentially violate FCRA section 623 ( a ) ( 1 ) ( B ). Additionally, this creditor has failed to report a monthly payment amount, which may potentially violate FCRA section 623 ( a ) ( 5 ). Furthermore, XXXX XXXX XXXXXXXX has reported different credit limit information on different credit reports, which may potentially violate FCRA section 623 ( a ) ( 1 ) ( D ). Finally, this creditor has reported inaccurate last reported dates, which may potentially violate FCRA section 623 ( a ) ( 1 ) ( A ).

These inaccuracies have affected me greatly, both financially and emotionally. As a result of these inaccuracies, my credit score has been negatively impacted, making it difficult for me to secure loans or credit cards with favorable terms. This has made it challenging for me to provide for myself and my family, and has caused me a great deal of stress and anxiety. 

Therefore, I am requesting that these unverified collection accounts be removed from my credit report as soon as possible. I am hoping for a prompt resolution to this matter, and I would appreciate any assistance you can provide. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked the credit bureaus to remove these accounts that do not belong to me. I have asked for documents to show that these accounts belong to me and I have not received them. I was not notified 5 days prior to these accounts being placed on my credit report. According to the FCRA and FTC, I am supposed to receive a letter about these accounts and I have not received any notifications about the accounts listed below XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX I opened a " Huntington 25 Checking Account '' with Huntington Bank under a promotion to earn a {$500.00} bonus if you deposit {$15000.00} in funds within 90 days. Full terms below : To qualify for the {$500.00} cash bonus, you are required to open a new, qualifying Huntington 25 Checking account during the promotional period between XX/XX/XXXX and XX/XX/XXXX and make cumulative new money deposits into the checking account of at least {$15000.00} or more within 60 days of account opening. " New money '' is defined as money that is not currently on deposit in any Huntington account ( except maturing CDs ). Person to Person payments ( such as XXXX XXXX are not considered a deposit for this offer. XXXX XXXX XXXX To meet the requirements of depositing {$15000.00} in funds in the account I made a transfer of {$2500.00} on XX/XX/XXXX, on XX/XX/XXXX of XXXX, and XX/XX/XXXX on {$5000.00} from my other bank account " XXXX XXXX XXXX XXXX Each of these transactions were coded as " Direct Deposit '' under " type ''. 

After 90 days I reached out to the bank to inquire why I did not receive the bonus and was informed I did not meet the requirements. Huntington made the determination that the transfers from XXXX XXXX Checking Account were not deposits but rather " P2P '' payments and as such were not " new deposits ''. There was no guidance or information that these payments would not be accepted as meeting the bonus requirements, especially since my account showed the deposits coding as " direct deposit '' This appears to be a case of the bank misleading the consumer to believe a bank to bank transfer would count as a " new money deposit '' by coding it as " Direct Deposit '' only to secretly be saying those transfers do not count as they are " p2p '' There is no way for a consumer to be aware of how Huntington Bank codes this type of transfer and it is reasonable that a prudent individual would expect transferring money from an external bank account to Huntington would qualify.
Product: Credit reporting or other personal consumer reports

Per provisions of the Fair Credit Reporting Act, COMPANY ( XXXX XXXX XXXX ) XXXX I require that these items be investigated and removed from my report. I understand you will double check these items with the creditor who posted them. 

Please delete any information that the creditor can not verify. I understand that minors under 15 U.S.C. Second. 1681i ( a ), you must complete this reinvestigation within 30 days of receiving this letter.
Product: Debt collection

Someone opened a XXXX account under my name from an address I was no longer living at. I had reached out to XXXX to dispute the debt and was told a technician did some work outside the home and all calls were rerouted to a number I never had. XXXX rep had informed me that they will remove the charges then. The first debt collector called and threatened to have me arrested. I submitted a complaint on them with FTC.gov. Now I have another debt collector for the same issue requesting information that is impossible to get because this issue occurred more than 10 years ago. They just keep writing and updating the debt. I refuse to pay for something I did not do and would like for EOS CCA to stop contacting me for a fraudulent account that happened over 10 years ago. 

Now they are requesting a police report. The police told me to file a complaint and report identity theft on the FTC.gov website in which I did. I am not sure if the landlord who owned the home is still there. I had moved out of that residence since my vehicle accident in 2007 but still had mail go to the address until I found a stable home during that time. When calling the police station I went to, I was told there is nothing they can do. So it is impossible for me to get the information they are requesting. 

I feel this harassment for payment that is not mine and want it to stop. 
The collection company harassing me is once again EOS CCA, XXXX XXXX, XXXX, MA XXXX.
Product: Payday loan, title loan, or personal loan

I think one of my family stole my information n log in and took the money out my account for they financial issues
Product: Credit card

Tried to use 2 credit card and purchases were declined multiple times. I called customer service multiple times. But help was not provided. Both cards continue to decline. This is so embarrassing.
Product: Debt collection

This account should have been deleted and this company XXXX XXXX made a mistake on this account and should have corrected the account account was never late, there was a mistake and this account was deleted off my credit report and this company send it to this collection company and now there a negative mark on my credit report, however I have a copy of a letter from XXXX XXXX  explaining they mistake I will mail this to the credit bureaus and will attach to this complaint please find this is a mistake and remove from my report! Also this bank have sent this account to different agencies and this need to stop
Product: Mortgage

Loan originally with XXXX XXXX XXXX XXXX who transferred the loan [ without the proper notification ] to Selene Finance during the middle of a Loan Modification Request. Selene came back with unreasonable Loan Modification terms : extending out the term of the loan ; increasing the interest rate from 2.875 % to 5.375 % ; having the Note balloon in 17 years [ which would have been the orignal date the mortgage would have being paid-off, and the Balloon payment is for over {$180000.00} at that time! ]. None of this was disclosed to us until we received the Loan Modification paperwork, and Selene Finance 's pressure to immediately sign the Loan Modification documents. In our opinion, XXXX through Selene Finance are attempting to defraud us under the guise of a Loan Modification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX Auto XXXX : # XXXX, XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX  : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX  : # XXXX, XXXX XXXX : # XXXX, has violated my rights.

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 ) ( XXXX ) 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: Student loan

I want to file a formal complaint against GCS, LP, and I selected the loan category ( Federal student loan ), because the loan servicer/collection agent, GCS, has not been able to provide important details, like the type of loan, original loan balance, interest rate, etc. Their last representative, XXXX, has been calling me on my mobile number, which has been listed on the National Do Not Call List, since XX/XX/XXXX. She is calling me before XXXX, and the last call was on Wednesday, XX/XX/XXXX at XXXX. I assume she is calling me about a student loan that was disputed and verified by the U.S. Department of Education and XXXX University. 

In XX/XX/XXXX, the Financial Aid Dept. ( FAD ) at XXXX University awarded me a student loan to cover the cost of XXXX courses, but those funds were not distributed to me, because I earned a scholarship from the XXXX, and the FAD determined that I had received an over-award of financial aid funding, so they returned the funds to the financial institution. 

In XX/XX/XXXX, the U.S. Department of Education and XXXX University verified the over-award of financial aid and the cancellation and return of loan proceeds in a letter that I sent to XXXX ( XXXX ). At the time, XXXX was located in XXXX, XXXX XXXX is a subsidiary of XXXX, and XXXX is currently being sued. 

GCS is trying to collect on a matter that has been disputed and verified. They are also adding thousands of dollars in fees to a non-existent debt. Please do all you can to stop this madness! I have enclosed contact information for the U.S. Department of Education ( DOE ), GCS, XXXX University ( XXXX ), and XXXX ( XXXX ). 

Regards, XXXX Contact Information : ( 1 ) DOE, XXXX, XXXX, XXXX XXXX, XXXX, XXXX ( 2 ) GCS, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ( 3 ) XXXX, XXXX, XXXX, XXXX XXXX, XXXX ( 4 ) XXXX - XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The purpose of this complain is to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau on XXXX and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

on XX/XX/XXXX, I went to the XXXX XXXX XXXX in XXXX, for a ELECTRONIC FUNDS TRANSFER. There was NEVER, A Check, I was already in there, XXXX XXXX, so I did not need one.. MY Bank had SUFFICIENT FUNDS @ the time of this ELECTRONIC TRANSFER.ONE WEEK later ( TRS ) XXXX XXXX/tel-chek. sent me a notice saying, I did not have funds in this account. I have back records to PROVE THERE WAS.!! This should have been cleared in XX/XX/XXXX. I go to cash a check from a different bank XX/XX/XXXX and they said no. I SAID WHAT.. ( TRS ) Tel-check only have P.O. box # s The are owned by first Data who have OFF SHORE ACCOUNTS with ALL of AMERICANS MONEY. WHY would they need to do that??? CROOKS. If they want XXXX, XXXX to get the real people on them,, they need to CLOSE, this account and CLEAR MY NAME.IT 's not XXXX XXXX 'S JOB to do what a XXXX XXXX XXXX   EMPLOYEE SHOULD have done. It's time to bring in my friends from XXXX XXXX XXXX XXXX. I will be more than happy to give ALL MY PROOF. NEVER take a check to XXXX XXXX XXXX in XXXX.. Give your money to people that DON'T Take MILLIONS a day from hard working people.
Product: Credit reporting or other personal consumer reports

XXXX announced a data breach that exposed the personal information, including accounts, of XXXX XXXX people. The sensitivity of the personal information held by XXXX and the scale of the problem makes this breach unprecedented. As a result, on XXXX XXXX XXXX, I reached out to all of three major credit reporting agencies ( via their websites ) and requested that all debt be removed from my credit reports under the U.S. Fair Credit Reporting Act.