23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy.

16 USC sub-section 604 A section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Student loan

Hello, I am not completely sure if this is all Private or Federal or Federal and Private. 
I first took it out with XXXX XXXX in 1975 for only XXXX ..I made many repayments. It ballooned with interest. You ... the Federal Government, througth the Biden administration gave pauses on repayments and still have till XXXX of this year. That I thought was to be interest free pauses. Today, I received a letter from my lender AES reading that interest has been accumulating and that I owe them that as well. The loan is now inflated to XXXX. 
Can they do this? What are or were my rights with the Feds? I need some objective guidance at this moment. 

Thank You. 

XXXX
Product: Debt collection

I had know ideal I had this account with XXXX XXXX Whom the sellers are XXXX XXXX. Until I seen it on my credit and a notice of payment. I then contacted XXXX XXXX XXXX XXXX informed me they had turned it over to XXXX XXXX I need to get in contact with XXXX XXXX XXXX I didn't get a good response. I then hired an Attorney made a police report put a freeze on my credit a fraud alert. The Attorney worked very with them conference calls, Documents. A signed affidavit. and more. XXXX XXXX sent me some documents showing what was purchase. I explained to XXXX XXXX, We had rented out rooms to some boarders but I had never seen any of that merchandise. Whoever the person was made payments on the items, I had know ideal what was going on At the time all this was happening I was taking care of my ill husband who died at home. I had know time to do any of these thing. also XXXX ware coming and going, They even told me I need a break but I never left my husband side. Everything he need was being delivered by different drivers. I took very good care of him, until he pasted on. I then stopped allowing boarders to live in our home. I had know time I mean Know time to think about shopping a XXXX XXXX, XXXX XXXX XXXX stop pursuing payment but will not release it off my credit.
Product: Checking or savings account

I found out both my business and personal accounts were closed on or around XX/XX/XXXX. They didnt inform me before and locked my online account, I called them and they said my accounts would be closed. My business account has balance more than {$12000.00}, and added my personal accounts have the moneybalance more than {$8000.00}. I called to chase 2 times a week until so far, they said they were reviewing my funds and their legal team were doing some review. And the rep said there was no time frame for the review, sometimes may take couple weeks or couple months. I didnt receive any letter for closing accounts and they give me no reasons. I have no money to run my business and my life! Could you please help me ask CHASE return my funds back? If you need any cooperation for my case, please let me know. Thank you!
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several significant mistakes and discrepancies found on my credit report, which was recently obtained from your agency. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to ensure the accuracy and fairness of the information being reported by your agency. 

Upon careful review of the credit report, I have identified the following errors and inaccuracies : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX- -- -Equifax -- -- - XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX
Product: Mortgage

I am asking for someone to please help me with Bank of America Home Loans. After my wife was bitten viciously by a dog, she lost her job and as a result we fell behind in mortgage payments. Bank of America has been making my family fight a fight that even when serving in the vietnam war, I would rather be back there than having to deal with the underhanded tactics of Bank of America. They have denied us a couple of times not because of our financials but because they claim we do not have the right paperwork but we are submitting all documents that are being requested of us by Bank of America. Furthermore, they had issue with my wife 's bank statements claiming that the letter head was incorrect. We provided bank statements directly from the bank, this is ludicrous. More recently, my wife submitted yet another package for modification and around XXXX XXXX, 2016, Bank of America agent XXXX XXXX confirmed we had a COMPLETE package and that they would be reviewing us. Further, she informed me that we would do the financial interview and that she would call me in the next couple of days. Well, low and behold two days later we get a Notice of Trustee Sale posted on our door. How can they tell us on the one hand that they have a complete package and that we are being reviewed for a loan modification and then try and sell my home. Bank of America is engaging in illegal dual tracking and they are in violation of the Homeowner Bill of Rights passed in California. I ask that someone kindly monitor my review process so that I am given a fair chance at modification. I served my country in XXXX and I was XXXX XXXX. I have been through so much and Bank of America is completely stripping me of all of my pride, as I can not fight this battle in a fair manner. I am working full time, my wife will be receiving her XXXX and my kids help us out. I want to start paying Bank of America a mortgage payment I am not trying to live for free. I beg you please help me to get a fair review for a modification.
Product: Mortgage

Paid off both of my Mortgage and HLOC accounts with Wells Fargo on XX/XX/21 and was hit with absorbent fees on the payoff. I refinanced with XXXX XXXX  XXXX at that time. Wells Fargo charged much more on the payoff than was expected which I then had to finance more with XXXX. Thank you.
Product: Credit card

This account is invalid APPLE CARD/GS BANK USA needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed items then I require the account to be removed from my credit & their records. 
APPLE CARD/GS BANK USA XXXX
Product: Credit reporting or other personal consumer reports

There are 2 inquiries on my credit report that I authorized my information to be given to XXXX XXXX. I want proof of the 2 most old in XXXX  removed from XXXX XXXX  and XXXX XXXX is old XX/XX/year> and capital XXXX is old XX/XX/year>. Please remove these inquiries they are old and should have been removed. TRANSUNION IS NOT DOING THIER JOB. PLEASE REMOVE THESE INQUIRIES. ALSO PLEASE REVISR MY XXXX XXXX transunion has me at XXXX range and XXXX and XXXX have me at XXXX. Something is Not Right! Thank you
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX, CT XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX, MD XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX  XXXX Balance : {$1600.00} XXXX  XXXX Balance : {$190.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$330.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX IN. XXXX ) XXXX Balance : {$910.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$190.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$460.00} XXXX XXXX XXXX Balance : {$920.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is harassing me for a debt I dont owe. The credit bureau know my address and the address that XXXX XXXX XXXX and XXXX has is not mines. These people and the credit bureau are preforming illegal acts against me. I want all this information removed from my credit report immediately.  They say I owe XXXX. Ive been ill for the past 3 years. I just been active for 8 months now. Theres no way I could have this account. I pay my bills. These people are fraud. I wrote the company to stop harrasing me. They are refusing and keep reporting false information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have filed a dispute as well as proved the XXXX XXXX report to all 3 bureau 's as that was all 3 buerau 's method of verification and they have failed to contact me back or remove it, i have proof all 3 bureaus received the information as it was all sent certified and i have enclosed the tracking as well as the address provided on the bureaus per their websites and when i called all 3.
Product: Credit reporting or other personal consumer reports

NICHOLAS FINANCIAL - Inquiry Date : XX/XX/XXXX - Reason for Dispute : Because this specific hard inquiry is fraudulent and the result of an identity theft. According to the Fair Credit Act all fraudulent inquiries should be removed please. 



XXXX XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX - Reason for Dispute : Because this specific hard inquiry is fraudulent and the result of an identity theft. According to the Fair Credit Act all fraudulent inquiries should be removed please. 


- Account Name : XXXX XXXX - Inquiry Date : XX/XX/XXXX - Reason for Dispute : Because this specific hard inquiry is fraudulent and the result of an identity theft. According to the Fair Credit Act all fraudulent inquiries should be removed please.
Product: Credit card or prepaid card

This has happened twice.. 
On XX/XX/XXXX I noticed my account was {$710.00} with a hotel stay pending about to drop off for XXXX. Once the hotel change dropped off on the XXXX I paid {$600.00} which I always pay off at the end of month. On the XXXX I noticed I had a balance of {$320.00} in which I had not used the card since the XXXX and all charges were thru, the last one being XXXX XXXX XXXX My account should beat XXXX today as of the XXXX, NOT XXXX plus the pending XXXX charge has not posted to that balance. XXXX Credit card company is scamming me out of money. I requested an audit of my account through their accounting department and they refuse. Please provide an investigation on this. Thank you.
Product: Money transfer, virtual currency, or money service

When I tried to link my bank account I've got an error that PNC Bank did not let me to link my account and the only option to fix this was filing a complaint. 
Here is the message : PNC has made a change that prevents you from being able to link your account. File a complaint with the CFPB.
Product: Checking or savings account

XX/XX/2023 {$1700.00} was inappropriately and unauthorized XXXX to a contractor ( with him using my phone ) without my approval. I've requested the contractor to refund me the money, in which he agreed to do so, however to date I haven't received the payment back. I contacted my bank, Capital One, in early XXXX about this unauthorized payment and I keep receiving the response of issue being under investigation.
Product: Vehicle loan or lease

The Executor for XXXX XXXX  XXXX Presented valid I'd to XXXX  XXXX sales representative or associate to acquire a automobile by financing and Purchase order. 
( For non commercial use needed two VIN for two private conveyances ). After the Credit application was signed, endorsed, and reviewed by the back office of XXXX XXXX and the credit was exented from the THE DEPARTMENT OF THE TREASURY and received and accepted for Payment in full satisfaction, settlement, and set off to the following financial institutions : XXXX, XXXX XXXX, XXXX, and SUNTRUST. 
All denied loans are violating Title X, HIPAA, and FDCPA misleading and deceptive. All denials are direct harm is XXXX XXXX  XXXX By : XXXX  XXXX, XXXX XXXX and the United states of America
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION WILLINGLY AND KNOWINGLY VIOLATE FEDERAL LAW!! TRANSUNION UNLAWFULLY RECEIVED INFORMATION FROM A NONAFFILIATED THIRD PARTY AND FURNISHED THAT INFORMATION ABOUT ME. TRANSUNION FURNISH A CONSUMER REPORT OF ME WITHOUT MY WRITTEN INSTRUCTIONS. Please view the attached complaint. I demand a response within 10 days upon receipt of this complaint. My proper identification is also included in this complaint.
Product: Credit card or prepaid card

In XX/XX/2018, I was given a promotion at work that also adjusted my pay from salary to commission. After accepting the position, I immediately called all of my creditors to see if any would be willing to delay my payment due, as I knew it would take roughly four weeks for me to receive my first commission based payout. I spoke at length with Capital One 's customer service rep, and he set up a payment, double what I normally paid monthly, for XX/XX/XXXX, and assured me multiple times that if I made the payment according to his instructions that the account would be and remain in good standing. I did exactly as told, but the account was still reported as 30-days past due. In following up, multiple times, Capital One has refused to acknowledge or rectify their mistake. I am a mortgage loan originator and deal with personal credit all day, every day. I would never, ever have chosen to make a late payment with Capital One without their explicit and express agreement, consent, and guarantee that the account would remain in good standing. I would have just made the payment if I had been told that a payment plan/delay was not an option or would threaten the status of the account. I have never missed a single payment with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account information below : XXXX XXXX
Product: Debt collection

OneMain Financial Acct No XXXX Paid Off total balance on XX/XX/18 of {$1100.00} Received no further notices or statements from One Main Financial until XX/XX/18 received XX/XX/18 notice from One Main Account closed account for default XXXX called customer service and was told that a {$100.00} fee for renewal of line of credit was charged against account, that it was not paid, that it was written off and the notice of termination and default sent. XXXX told them he did not authorize any renewal of line of credit, that total account was paid off XX/XX/18 and no balance was owed. 
XX/XX/18 received XX/XX/18 revised notice of termination of account and waived balance. 
XX/XX/18 Reviewed statements online from XX/XX/18 through XX/XX/18. 
No {$100.00} renewal fee charged. 
XX/XX/18 online balance showed balance of {$58.00} however would only allow payment of statement balance of {$53.00} for XX/XX/18. 
Then went back online and paid additional {$5.00} for XX/XX/18. 
Balance now should be XXXX. 
I have no idea what the additional charges were for, did not receive any bills or notice of any default or request for renewal of line of credit after paying off debt
Product: Credit reporting or other personal consumer reports

I am disputing an account reported under XXXX XXXX XXXX that appears on my credit file. I have never opened or authorized an account with this company, and I insist on its removal. 

Disputed Account Details : Account Name : XXXX XXXX XXXX Account Number : XXXX Source : Reported from XXXX XXXX XXXX XXXXXXXX. 
Status : Collection account ( Collection account, {$950.00} past due as of XX/XX/XXXX ; Date Opened : XX/XX/XXXX ; Status updated XX/XX/XXXX ; Last Payment Date : XX/XX/XXXX ; Original Balance {$950.00} ; Terms : 1 Month ; Individual responsibility ; XXXX XXXX : {$950.00} ; Monthly Payment : {$1000.00} ; Highest Balance : {$950.00} ) Under 15 U.S.C. 1681i, I am exercising my right to have this disputed information thoroughly investigated. If you can not verify that this account belongs to me, I request that it be removed from my credit file immediately. Furthermore, per 15 U.S.C. 1681s2, the furnisher must report only accurate information.
Product: Checking or savings account

On Thursday XX/XX/XXXX I attempted to make a {$25.00} transfer from my XXXX XXXX account to my XXXX account. However a system error caused the transfer to be processed twice. 


I waited a few days to see if the transaction would fall off my account as it was " Pending '' in my Spending account. However, on XX/XX/XXXX the transaction was still shown as pending on my Spending account but my investment account showed it had been returned for XXXX, insufficient funds. I contacted Digit regarding this requesting that they investigate and my case was escalated with their engineering team. 

To this date I still do not have access to the {$25.00} that has been pending since XX/XX/XXXX at XXXX PM. I have made numerous follow-ups requesting additional information and on XX/XX/XXXX I received the following : I '' do want to assure you that we have been partnering with our engineering team to see what was going on. To explain a bit more, the transfer from XX/XX/XXXX has been returned correctly. The funds from that transfer should be back in your account. In addition, you created a manual transfer of {$25.00} later in the day on XX/XX/XXXX, and that transfer was successful. This means that the amount you are seeing in your account should all be correct. '' This is incorrect. My Digit XXXX account currently shows a {$0.00} balance, a pending {$25.00} withdrawal to my investment account, and does not allow me to make a transfer of {$25.00} as it shows my available balance is {$0.00}. I've forwarded a subledger for my account showing all of my transactions minus the pending {$25.00} withdrawal to Digit and it shows I still should have {$25.00} in my account. This needs to be corrected immediately, it's been nearly a month that this has remained pending and I have not been given access to my funds. 

While {$25.00} isn't a lot of money it's the equivalent of a credit card payment for many folks and the fact that a system error has caused my money to be unaccessible for over a month and for their engineering team to say that it's all fixed and my balances are correct is troublesome to say the least. 

I don't want system errors to cause others to be out of money, potentially even more than just {$25.00}, and Digit has failed to properly address the situation within a reasonable time, thus I have no choice but to seek the help of regulators like the CFPB
Product: Consumer Loan

I have already filed a complaint XXXX time and I 'm about to do it again. First off I have filed bankruptcy so no one should be trying to take payments out of my account since I put a stop to all Auto Drafts just looked and a payment had try to be taken from my account on the XXXX of XXXX and the XXXX. As I stated I would have it paid in full and caught up by the end of the month. Then when I filed the first complaint they just decided nor to respond to it which they are required too do so. I already know I have NSF charges on my account but I can clear all that up. It 's not right how these companies feel they can do what they want to when they want to. Do n't want to be bothered or harassed I will make sure all is done that needs to be done.
Product: Vehicle loan or lease

The office of my governor suggested I contact you regarding the repossession of my car during this coronavirus crisis. On or about XX/XX/XXXX, my car was repossessed. I called the bank to inquire what need to be done for the return of my car. I was told that I needed to pay the full amount of my outstanding balance of {$36000.00}. I offered to pay the outstanding overdue arrears of {$1300.00} plus {$10000.00} toward the {$35000.00}. This would leave a balance of {$24000.00} for refinance. I explained to the person that I am a XXXX XXXX and had been in the hospital and I only get pay if I go into work and that I am still not well. I feel behind in my payments. I was told that they do not do a refinance and that the only option was to pay the full {$36000.00} if I want my car back. The car is scheduled to go to auction on XX/XX/XXXX. I pointed out to the person I was speaking to that by auctioning my car they would not get the full price back. At least, they can get their money back from me. Since we are still in stay home state order, I am assuming that my car is still available. I would want my car be deliver back to me. 

I am a XXXX XXXX currently working XXXX  from home. I have XXXX XXXX  and would appreciate it if someone would help me in this matter. 

Thank you