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

M & T bank located at XXXX XXXX XXXX, XXXX XXXX sent a letter on XX/XX/XXXX indicating that My checking account will be closed and that I should make all necessary steps to transfer all direct deposits and automatic withdrawals by XX/XX/2022. I reached out to bank and asked for a reason but the Vice President indicated that it was a business decision. The date on letter was marked XX/XX/XXXX but I did not receive letter until XXXX XXXX, 30 day notice marked at bottom of letter was not accommodated so I had 14 days to change all of my auto deposits and withdrawals -Went into bank and the representative indicated that I would have until XX/XX/XXXX extension but would not give me any official letter of proof of extension so I went to different branch after I explained that I was withdrawing all of my funds from ATM -Requested that account be closed but bank reached out to XXXX XXXX XXXX and I was told that there was a restriction put on my account. No additional information was given as to whether or not my Mortgage account would be closed.
Product: Credit reporting or other personal consumer reports

This complaint is against Trans-Union for their failure to conduct a proper and thorough investigation into multiple disputes I have filed.

The disputed accounts contain erroneous information that is negatively impacting my credit score and hindering my ability to obtain credit. Despite my repeated attempts to rectify these inaccuracies through the proper channels, the response and action from Trans-Union have been unsatisfactory and non-compliant with the Fair Credit Reporting Act ( FCRA ) & The consumer Law 15 U.C.code 1681E ( B ) compliance procedures Accuracy of Report.

Inaccurate Disputed accounts attached below.
Product: Vehicle loan or lease

My name is XXXX XXXX. I got an auto loan for my XXXX XXXX XXXX on XXXX of XXXX in Atlanta. I have now transfered to Florida now that I have relocated. The orginal loan was for $ {$11000.00} at a 28 % interest rate and the bank I am with is American Credit Acceptance their website is https : //americancreditacceptance.com/. Their contact information is XXXX the addresses they have is American Credit Acceptance : XXXX XXXX XXXX XXXX XXXX, SC XXXX. 

When I got into this loan I was told the process of where my monthly payments would go. In my welome kit and on their website they said my payment of $ XXXX month will be applied in this order. Attached to this complaint will be that information. Here is it below : HOW PAYMENTS ARE APPLIED ACA applies your payments in the following order. 
1. Miscellaneous fees ( repossession fee ) if applicable 2. Interest ( currently due ) 3. Principal ( current and past due ) 4. Fees ( late/NSF ) 5. Remaining Principal They have not been applying my money to my prinipal at all. They have skipped months only putting my payments in interest and nothing towards the principal if you look at the attached document they sent me of showing where my money is being applied. If you noticed they have skipped multple months in applying any money to my principal then when it is applied it is in different amounts. Everytime I call them I am given incorrect information on my loan. The last agent I spoke to told me my interest rate was {$8.00} no agent is capable of given the correct information and looking at how they have been applying money to my loan it literally looks like childplay. I have paid this company almost {$8000.00} on my {$11000.00} loan. After {$8000.00} and almost 2 years I am being told I am still at {$11000.00}. If you look at my documents to see my grand totals you will see that over {$6000.00} has gone to my interest payment and {$700.00} to the principal. Please I need justice I am a single mom and I have been working really hard to mantain XXXX  car but this is not right and it seems very illegal. 

Please I need justice. I have spoken with the company and no solution has been offered. I have also filed a complaint with the XXXX This is my next step to getting justice now that they have sent me the proof of where they have actually been applying my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting Act XXXX  Account : XXXX XXXX Bank Accout # XXXX, Account : XXXX XXXX XXXX Account # XXXX, Account : XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX XXXX Account # XXXX, Account Name : XXXX XXXX XXXX XXXX  Account # XXXX, Account Name : XXXX XXXXXXXX XXXX XXXX Account # XXXX, Account Name XXXX XXXX Services Account # XXXX, Account Name XXXX XXXXy Account # XXXX, Account Name XXXX XXXX XXXX Account # XXXX, Account Name : Chapter XXXX Bankruptcy filing, 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.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
These accounts : US DEPT EDU -- {$22000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT EDU XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  No account number is associated with the above accounts and are not accurate. 

And one more thing according to 15USC 1681s-2 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.

I have attempted to contact them and the reporting agency but have not been able to speak with anyone.
Product: Mortgage

CMG Financial cashed my mortgage payment check in XX/XX/2020 ( XXXX check # XXXX for {$2000.00}, dated XX/XX/2020 ), but did not apply it to my account. I have called them dozens of times without resolution, and need some assistance to get this resolved.
Product: Credit reporting or other personal consumer reports

Transunion has failed to remove unauthorized inquiries that may have been due to a data breach. They were informed of this error last year and failed to remove this information. I have already sent my XXXX data breach claim id and FTC report, but I will attach the FTC report again for your reference. Remove the following unauthorized inquiries from my credit within 7 days or I will have no choice but to pursue legal action : 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

I have attempted numerous times and have disputed information pertaining to my XXXX and XXXX credit reports. I have requested that the above credit reporting agencies provide proof on how certain accounts are verified and validated. To this date they have not provided information on how it was that they verified accounts that i have disputed. I have disputed at least 4 times in XXXX and have allowed the 30-45 days for the above credit reporting agency to properly investigate, verify and validate the accounts with proof. i have specifically disputed with the collection agencies as well and up to this day they are not able to validate or verify the accounts that they are reporting to belong to me. So i dont see how it is that the above credit reporting agency has validated and verified that the account or accounts belong to. The items have appeared on my credit report due to negligence on behalf of the credit reporting agency have ruined my credit report and reputation. i have struggled to obtain fair and competitive interest rates due to the misinformation on my credit report.
Product: Checking or savings account

I have been in good standing with bank of america since I opened my account. But I went to the Bank of America ATM in my town that I have used for years and I deposited XXXX dollars in cash ( on XX/XX/2020 ),  when I inserted the money the ATM took it and froze. It was loading for several minutes then comes back saying there's an error to call the 1800 number. So I called as soon as the customer care center was open and they told me that my account is pending closure only due to the fact that the atm counted the money wrong and it showed an incorrect amount for the bills given. Due to this glitch at the atm I am now unable to access the money that was already in my account before this incident which was over {$300.00} and now I can not access the {$800.00} cash that i deposited. I have been on the phone over 6 different times the first two times a claim was never filed and they told me to wait for a letter regarding the situation. I never received a call so I called with bank of america to expedite their claim on XX/XX/XXXX which should've been filed the first two times I called and asked. Bank of america claims they need to look into the atm records and get the correct amount that i deposited. They then denied my claim to expedite this twice. Keep in mind I deposited this cash in order to pay my car payment and car insurance and now my bills are past due because of bank of Americas lack of customer service and not filing a claim the first 2 times I called. All they told me was I'm sorry it didn't get filed call your bill companies and tell them it will be late. I was told on the XXXX of XXXX that the account will be closed on XX/XX/XXXX ( Over 3 weeks since this whole mess started ) due to the atm issue and I can get a check for the {$1100.00} in my account ( previous balance and deposited money ) once it is closed by the end of that business day. It is now currently XX/XX/XXXX and I called to see if my check has been mailed like they told me it would and they told me my account is still pending closure and they pushed the date back now until XX/XX/XXXX. So I'm supposed to go a month without the {$1100.00} dollars because Bank of Americas atm glitched and because the customer service failed to do their part and file claims the first times I called. I have rent due on the first and they told me they can not do anything about the money. This is just wrong that I am out {$1100.00} because of their mistakes and I have to be extremely late on my car payment, insurance payment and now my rent. This is going to effect my credit score all because of their mistake. I never even received any letters from bank of america about the closing of my account or proof of claims filed even after I asked for it, they told me everything is paperless and they have the records in their system.
Product: Credit reporting or other personal consumer reports

I previously made a request ( CFPB # XXXX ) in XX/XX/year> for removal of a tradeline from my XXXX report XXXX Well, I recently found that the tradeline still remains on my XXXX and Transunion. This credit line was opened fraudulently, and needs to be fully removed from ALL credit bureaus. The lines are showing a delinquency which affects my credit.
Product: Vehicle loan or lease

During the week of XX/XX/2020, I contacted 53 Bank regarding an email sent by the company about hardship assistance amid the coronavirus pandemic. I called the bank to ask about the possibility of getting a deferment of my payments given that I was separated from my job as a result of the coronavirus crisis. The representative from 53 Bank said they would send documentation to process the request. On XX/XX/2020, I received an email from 53 Bank asking me to sign an agreement regarding my " delinquent account ''. Up until this point, my account has never been delinquent. The document basically states that the only way to not make the upcoming three monthly payments would be to sign a document acknowledging that my account was delinquent, and instead of deferment, I am getting a delinquency extension that could potentially affect my credit history. The document includes a phone line to request assistance, but the line immediately disconnects after it tells you to wait for the next available representative. I have made multiples calls but they are all automatically disconnected. I contacted the main 53 Bank customer service number and they told me they do not know anything about the situation and that if I need help I need to keep calling the line that is basically disconnected. The bank is basically using the financial hardship encountered by people as a result of the pandemic to get them to sign agreements about alleged delinquent accounts that were never delinquent.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX 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
Product: Debt collection

This company has been communicating with me without my expressed consent. I had told them to stop and they continue which means that they do not care about violating the Fair Debt Collection Practices Act ( FDCPA ). The FDCPA describes communication as " conveying of information regarding a debt directly or indirectly to any person through any medium '' and credit reporting is an indirect medium that midland credit has chosen to continue to communicate with. All this is for the following account XXXX Furthermore they have stated that they only need to honor direct communication which is complete disobedience to federal law and complete willful violation of my right to privacy. In my dispute letter I made it clear that I wanted no more contact from this company unless it was to respond to a cfpb complaint or to send me a copy of the entire purchase agreement ( which they have not ). I demand them to cease because if they do not I am prepare to litigate. Additionally they have not validated the debt as they can not because I did not endorse a contract with midland credit pursuant to UCC 3-203, all they did was just purchase a contract and attempting to collect on it which violates federal law. This is also why they do not want to send me the entire purchase agreement ( not just the bill of sale ) and other validating data pursuant to 12 CFR 1006.34.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX XXXX a XXXX XXXX XXXX  account was opened at a XXXX in XXXX michigan.This account is fraud and it was unauthorized
Product: Credit reporting or other personal consumer reports

I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 

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 card or prepaid card

The intro bonus offer for the cash back rewards card was denied after meeting the terms and qualifications of spending {$1000.00} during the first 3 billing cycles upon opening the account. 
On XX/XX/XXXX XXXX XXXX XXXX I called PNC customer service at XXXX to inquire on why I had never received my promotional offer. The service agent stated that i had signed up for the card during a promotional black out date that began XX/XX/XXXX - XX/XX/XXXX. This is nowhere stated on the terms and conditions upon signing up. The website is currently unchanged and the terms still do not reflect such verbiage ( XXXX ). I requested to escalate the conversation and speak with a manager, which then resulted in me speaking with an American woman who then stated she could not find a sign up code and that I indeed signed up on a supposed " black out date. '' However, upon her verification of the PNC Website, she confirmed the offer had not changed and there were no black out dates stated. My issue was then written up to be forwarded to higher. On XX/XX/XXXX at XXXXXXXX XXXX XXXX XXXX, I recieved a follow up call from PNC ( XXXX ) and was greeted by a service representative who wanted to know if my problem had been resolved to which I replied " No, the problem has not been resolved and I am still waiting on confirmation that my complaint has been reviewed for the issue of not having received my promotional bonus upon meeting the guidelines ''. At or around XXXX on XXXX XX/XX/XXXX, I received another call from PNC stating that my claim had been denied without further explanation, no confirmation either written or emailed after my request. The representative apologized and stated that due to length of time in which the promotion was due to be given was too far off, that I would not be receiving it whatsoever. My response was " the reward should have been automatically applied to my statement, since it is not my job to do PNCs job. '' The integrity of this bank is reflecting poorly by the way it has handled this situation. Many other customers may have applied for this card just as I did via the PNC website with the intent to apply for a card with a bonus offer, however, it seems that they may have been defrauded of their time, mental well being, and money.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX ( XX/XX/XXXX ) sold account to another lender without my consent or knowledge, the closed account owed is {$0.00}. Remove account from report. 

XXXX XXXX XXXX ( XX/XX/XXXX ) this closed account has been paid in full and still reporting derogatory remarks. {$0.00} balance. Remove from report. 

XXXX XXXX XXXX  ( XX/XX/XXXX ) this closed account has been paid in full and still reporting derogatory remarks. {$0.00} balance. Remove from report. 

XXXX XXXX XXXX XX/XX/XXXX. this closed account has been paid in full and still reporting derogatory remarks. {$0.00} balance. Remove from report. 

XXXX XXXX  ( XX/XX/XXXX ) this has been closed, transferred. {$0.00}. Remove from report. 

XXXX XXXX XXXX. this closed account has been paid in full and still reporting derogatory remarks. {$0.00} balance. Remove from report. 

XXXX this closed account has been paid in full and still reporting derogatory remarks. {$0.00} balance. Remove from report. 

XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) this closed account has been paid in full and still reporting derogatory remarks. {$0.00} balance. Remove from report. 

XXXX ( XX/XX/XXXX ) this closed account has been paid in full and still reporting derogatory remarks. {$0.00} balance. Remove from report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries more than 2 years old appear on credit report
Product: Vehicle loan or lease

I purchased the vehicle while I was a XXXX. It was reflecting that I was a XXXX in the XXXX XXXX when I purchased the vehicle. I was then selected to go onto XXXX XXXX for XXXX years and submitted for my SCRA benefits and I was denied the benefits because I was technically a XXXX and still affiliated with the XXXX  at the time. When I called, I was told it didn't matter that I wasn't on XXXX XXXX and now that I am because of the reserve aspect, even though clearly the SCRA states that it applies only to members who are XXXX XXXX, and the benefits start when you begin XXXX XXXX. When I asked to see this policy or have the policy sent to me, I was denied and was told I was not allowed to see this policy, its just how the operate. I was unable to talk to any manager or any who was hire staffed than agent # XXXX where she refused to help besides saying her manager was to busy to speak with me. This was my second attempt to try to get them to follow the legal process and was denied my SCRA benefits.
Product: Mortgage

Spoke to a XXXX XXXX XXXX today XX/XX/2021 and I was told that Select Portfolio Servicing had tried on 2 occasions to do a ACH transaction just using my bank account number with a different amount in which I did not authorize an ACH transaction. XXXX XXXX is investigating the ACH transaction. The Banker also explain to me that companies or merchants sometimes put through a ACH transaction using the bank account number and change the amount or change the name so that the transaction can go through.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Date : XX/XX/year> To : LexisNexis Risk Solutions XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Request to Update Public Records with Phone Number Dear FactorTrust Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Sincerely, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX