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

In accordance with the Fair Credit Reporting Act XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A states I have a 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX XXXX Account 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters to experian supporting my claim to remove the late payments from student loans on my account as they are showing different dates and payment status on the three main credit bureaus, which means this information that they claim to have verified is INACCURATE and they can not report inaccurate information which is now causing harm to me by reflecting my credit score poorly, and that is an embarrassment and is not allowing me to get certain jobs because they choose to continue to report this WRONGFUL NEGATIVE information. Also pursuant to 15 U.S. Code 1666b. Timing of payments they have violated me by reporting late payments on account they have not given me written notice of a payment being due 21 days before due date. I would now like these accounts remove from my credit profile due to the violations and due to the disregard of my request and blatant lying and continuous amount of pain I have been inflicted due to this wrongful reporting.
Product: Mortgage

I use Bank of America for my conventional mortgage, and have automatic payments set for principal + interest on the 1st of every month. 

For the second time this calendar year, I have attempted to make an extra PRINCIPAL-ONLY payment to pay down my mortgage faster, only to discover that Bank of America misapplied the extra payment to the next regular payment, 1 month too early.
Product: Bank account or service

I opened a Checking account with Chase Bank today. I deposited XXXX cashier 's checks, XXXX from XXXX, XXXX. XXXX XXXX Bank totaling {$2300.00} and XXXX from XXXX XXXX totaling {$1400.00} with a grand total of {$3800.00}. The funds were placed on hold with a Regulation CC hold for it being a new account and funds are to be available on XXXX/XXXX/2016. From my understanding of XXXX if the grand total of, in this case cashier 's checks, the deposited checks are less than {$5000.00} " a depositary bank shall make funds deposited in an account by check available for withdrawal not later than the business day after the banking day on which the funds are deposited. '' Since these funds were deposited on XXXX/XXXX/2016, it being considered XXXX/XXXX/2016 's business day, should said deposited funds not be available on XXXX/XXXX/2016? I feel that my funds are being delayed an extra day longer than Regulation CC allows. This is likely to be happening to multiple customers which may cause additional financial burden on those customers whose funds are delayed longer than they should be.
Product: Credit card or prepaid card

I purchased concert tickets on XX/XX/XXXX with a shipping method of 3 days. The email I received from XXXX  said I would receive my tickets in 3 business days. My card was charged on XX/XX/XXXX according to my billing statement. When I didn't receive the tickets after 7 days I requested a refund on XX/XX/XXXX based on my rights under the FTC 's Mail Order Rule, which states " The Rule also requires that, when a seller can not ship within the promised time, the seller must obtain the buyers consent to a delay in shipping or refund payment for the unshipped merchandise. '' XXXX  refused to cancel the order. The moment they refused to cancel my order it became an unauthorized transaction. I received my tickets 11 days after the promised shipping date. I again requested a refund via XXXX. I then opened a dispute on my card card 14 days after the charge. Bank of America took 60 days to tell my their decision, which was that XXXX  provided prove the order was delivered. However, I believe this order should have been canceled under my rights as a consumer based on the FTC 's Mail Order Rule. I then called BoA once again and they refused to reverse the transaction. I've filed a XXXX  complaint agaisnt XXXX  and Bank of America. I've also filed a complaint with the Department of Consumer Protection for the state of Connecticut and an a FTC complaint.
Product: Bank account or service

Wells Fargo shut down both my checkings and savings accounts due to concerns over check fraud, but before doing so, reversed all deposited checks TWICE ( so I was short ~ {$4500.00} instead of being neutral ). I have now spent 7+ hours on the phone and in their branches, getting passed between customer service branches, all the while they insist that their math makes sense ( it does not ). Even worse, Wells Fargo has a monstrous arbitration agreement with crazy fees, so I am scared to contest this, even though it is obvious to anyone with a spreadsheet and half a brain that I am right. In my documents, I have highlighted the " extra '' reversal charges that, very simply, need to be undone such that the account goes back to the balance it was at before the XXXX deposit. 

In short : Wells Fargo thinks that my ~ $ XXXX check deposit is equivalent to the ~ $ XXXX in matching debits. Basic math indicates that it is not. 

Please help, CFPB!
Product: Vehicle loan or lease

This complaint relates to a car leased through Audi Finance. In XX/XX/2020, the car was relocated from Massachusetts to Illinois, and retitled in Illinois ( Audi Finance remained the title holder throughout ). Illinois charged a use tax at the time the car was retitled, which I paid directly to the state. In XX/XX/2020, my statement from Audi Finance included an " Other Charge '' of {$830.00}, which I paid as a result of my automatic billing arrangement with Audi Finance. When I inquired of Audi as to the basis for this charge, they said that the Illinois Department of Revenue had recalculated the use tax, and had billed Audi for the additional amount due, which Audi had paid. I then contacted the Illinois Department of Revenue, which agreed that the additional tax assessment had been in error. On XX/XX/2020, the Illinois Department of Revenue refunded to Audi {$880.00}, having concluded that not only was the additional assessment in error, but that the original assessment had also been too high. I spoke to a representative of Audi Finance on XX/XX/2020. After checking with their tax department, she confirmed that they had received the refund, and stated that it would be credited back to my account within the next 8 weeks. It has now been over seven months, and I still have not received the credit. I have called Audi Finance about this several times. Each time I have checked, I have been told by the customer service representative that they would check on the status of my refund and call me right back. I have never received a call back. Earlier this week I spoke to a representative who told me that they have no way to reach their own tax department by telephone, and must email their inquiries to the tax department, which simply does not respond. This, he explained, is why customer service does not call me back. I was also told that there was no way for me to escalate the issue within Audi Finance.
Product: Money transfer, virtual currency, or money service

I had an account with moneylion and at the time I took out a loan which required me to invest {$25.00} per payperiod in their investment account. I paid off the loan in full and contacted moneylion to cashout my investment on XX/XX/19. They stated to wait 10business days and the funds would be in my checking account. On the 8th business day i called to make sure the funds were still coming because the app said it takes 3-5 business days and the funds should of been there. The rep advised me everything was fine that was incorrect on the app it takes 7-10 business days if the funds are not there by Friday call but showing transfer is sucessful. Well, the funds were not in the account on the 10th business day so I called again. The gentleman advised that there request did not process and they would have to restart the process and I have to wait now an additional 10 business days. I advised him that is not what was told to me 2 days ago when I called and now the transfer did not process so me waiting a total of 20business days does not work for me I need the request fulfilled. He advised me that per his support team there is nothing they can do because they are not the holder of the investment has tp go through another party and that is where the delay is coming from. I asked for that information so I can contact them direct and never got was transfered to some lady who sent me an e-mail saying she escalated the process wpuld arrive in 3-5 business days and to date still nothing. How can you guarantee someone funds if you're not holding the funds. I just want my investment money that i put in when I had the loan that they are clearly refusing to payout!!!! I'm getting every excuse but when my loan and investment funds had to come out the account nobody hesitated to take the money!
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the presence of a hard inquiry on my credit report as listed below. This inquiry was made without my knowledge or consent, and I request its immediate removal from my credit file. 

Inquiry Details : XXXX XXXX - XX/XX/
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted first request in  XXXX  of    2017  to Equifax - Nothing done - Submitted second request in  XXXX  of  2017  - Nothing done again - Have an item on my report that does not belong to me and would like it removed immediately.
Product: Credit reporting or other personal consumer reports

I have reviewed my Consumer Reports and identified two reported late payments on an account where I have consistently made on-time payments. Consumer Reporting Agencies hold a critical role in ensuring the accuracy of reported information and are obligated to maintain Maximum Accuracy under the Fair Credit Reporting Act ( FCRA ). 

For the account ( account name :XX/XX/XXXXXXXX and number : XXXX ), I firmly assert that I have never been late with any payment. I request an immediate investigation and demand verification through detailed account statements proving the alleged late payments. If such proof can not be provided, I demand that these payments be corrected to reflect their accurate status as on-time. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

Please see prior complaint record XXXX as well. 
Once again, Experian has made it impossible to create an account in order to freeze/unfreeze my credit report. Tried to do so online with my computer, and Experian says ID can't be verified, so call XXXX to speak with an Experian representative. However, it's impossible to speak with a human at that number you enter your SSN and address information through a XXXX interface, and then you're told to complete the verification process through their phone app. You download and try that, and you're told the ID can't be verified to and to call you guessed it the same useless number noted above. 
I've decided that I'm not going to unfreeze my information with Experian I'll just have to hope the companies needing to check that can do so with the other two credit reporting agencies, since I don't trust Experian to do anything remotely accurately. This is truly a XXXX service that should be banned from the collection of anyone 's information.
Product: Debt collection

Hunter Warfield has continued to contact me regarding a debt with " XXXX '' for which I have never been a part of. In addition, they have been sent a debt validation letter from XXXX after placing an account on my credit and have yet to get a response, although the collection attempts continue. The account shows payments made on it however I have never paid the company a dime. This is not my debt. I receive upwards of 3 calls a day to my cellphone and have started to get calls at a previous employers office for which I never gave the number out. On my credit report, it shows I am disputing the debt however, they continue to contact me.
Product: Credit card or prepaid card

On XX/XX/21 I was denied access to my cash balance of {$46.00} which was deposited with my prepaid paypal cash card. I have a cash balance of {$46.00} that I want to withdraw so I can close my account. All transactions involving my account are being declined. Paypal says I am a permanently limited account holder and denied use of my account... .unable to proceed after login. I get a block that says problem with account contact support, I go to contact us ... and it says access denied. I only want the money I put in the account... It's money I prepaid. Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My identification theft has caused me to have an BLANK fico score, and Ive shown multiple documents that prove I'm an homeless victim of an federal offense. Sgt. XXXX of the XXXX  XXXX, Texas Police department has all the evidence to send my police report to my home state of XXXX XXXX, Nevada. 

My employer, the XXXX has been notified, XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was charged a {$300.00} holding fee for an apartment at " XXXX XXXX '' with a leasing start date of late XX/XX/year>. On XX/XX/year> the company apologized to me and issued a refund of my holding fee, though this check did not arrive to my hands until much later, they then subsequently attempted to charge a " move-out '' fee of {$300.00} for a unit I never moved into, as the contract was void due to their inability to provide me a unit on time. They have since sent this debt to collections company " XXXX '', who refuses to acknowledge my extensive evidence.
Product: Consumer Loan

I submitted a revoke letter to stop an automatic payment to Americash Loans on XX/XX/2017 twice and I was told they never received it. I send a third request on XX/XX/2017 straight to one of their agents, I called back to verify the employee received it and she rudely replied with a yes. This employee explained that it was in effect immediate. On XX/XX/2017 this creditor continued to debit my bank account. I immediately called them and they called my bank to verify that the payment had posted. I was then told I needed to wait to call back on XX/XX/2017 ( Monday ) because there was no manager available.
Product: Student loan

On XX/XX/XXXX I was told by Delta Management that my loan would be taken up by another party and congrats I would be able to return back to school soon after not hearing anything from anyone I returned call to Delta Management and spoke with a young lady whom stated to return call at later time as it was n't showing whom my new loan server was and sometimes it takes so time, ok did and still no answer or reasoning so In turn called XXXX and asked them to help that 's when they stated I only made 6 payments and loan was in default not information I was given and why would I pay 6 payments and not three more so then I asked for all calls to be pulled as this is incorrect this was on XX/XX/XXXX this was reported, I still have n't heard anything from XXXX as agent assured me I would so I called back at XXXX XXXX to speak with XXXX on the escalation team whom stated to me they had request out to Delta Management and Delta never responded and they had 7-10 business days to do so, ( which was a lie ), as I spoke with XXXX from escalating team at XXXX and he stated that had reached and it was under review ( why lie to student ) I in turn called Delta and they stated they had, Delta also informed we that they could not provide me with date they do n't it out even though it affects me that was XXXX XXXX loan rehabilitation ManagerXX/XX/XXXX I had spoken with previously about his associate misinformation on XX/XX/XXXX which he totally ignored on date listed all he responded with was that my information was no longer in his office XXXX and Delta provides students with wrongful information and students in turns pay for it again I was really excited about going back to school why would I get to six payments and stop paying all of which were always auto deducted from my account so I would never miss one. Be very careful and write down everything being told to you by whom and what time. Delta Management is responsible for miscommunication as agent didnt did n't know what they were talking about and now after paying 6 payments XXXX wo n't me to start all over again when calling to pay 7 was told they no longer had any information for me in there office and did n't know why shaking my head awful. Delta Management and XXXX wants to keep students in debt longer watch it and then for XXXX to lie stating that they never received information from Delta is crazy.
Product: Mortgage

On XX/XX/XXXX I opened my billing statement from XXXX XXXX XXXX XXXX/ LOANCARE , and found out that a drastic increase on my monthly mortgage payment from {$3400.00} to {$5600.00} statement dated for the month of XX/XX/XXXX. I was so stress out and could not sleep at all and have been sick since then. I had called the XXXX and when ever I call them I have to wait for 2 hours or more to get hold of someone. Called dates : I believe my first call was on XX/XX/XXXX, then XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. I questioned the said increase and they open an escrow analysis on XX/XX/XXXX ( i think ) but they were saying that the said increase is correct. I sent an email to the company ( XXXX, XX/XX/XXXX ) and even received awknowledgment that within 15 days they will have an answer to my case. I have to call and follow up but they keep on transferring to differner people and ask me same question over again. I sent an email to another XXXX, XX/XX/XXXX and got an awknowledgment that within 48 hours they will get back at me. Unitl know XX/XX/XXXX I have no response from them I've been calling and providing the information and documents that they asked, still no definite asnwer. I feel I am not being heard and that I am being neglected. I hope you could push the company to make sure to prioritize the case because this was really their mistakes. They been charging me twice the actual property tax ( two parcels ) and been charging me of the late payment because I did not pay the {$5600.00} and paid only my corrected computation base on one parcel only whichis {$3600.00}. 

I hope to hear from you soon
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX is furnishing a unauthorized inquiry on my reputation that i have disputed in 2021 and they have not verified accuracy in a timely manner according to the FCRA guidelines and have not performed their Grave responsibilities in confirming accuracy under the FCRA. EQUIFAX Is a Elaborate Mechanism under 15 U.S. Code 1681- Congressional findings and statement of purpose- who assumed its roll collecting my information against my consent and right to privacy. They function solely under the FCRA and CFPB. 

Equifax has all the documents pertaining to all my initial communications of dispute and have performed ill will and discriminated against me the consumer. 

Equifax is in violation of 15 U.S. Code 1681b ( 2 ) - Permissible purposes of consumer reports -- for furnishing unauthorized inquiries without my written instructions Equifax is in violation of 15 U.S. Code 1681e - Compliance procedures -- they have not maintained reasonable procedures designed to avoid violations under 15 USC 1681b. 

Equifax is in violation of 15 U.S. Code 1681i - Procedure in case of disputed accuracy -- i have disputed a unauthorized item on my reputation and Equifax did not perform its duty to provide accuracy and verification of item in dispute with a timely responsible manner and have not removed disputed item from my reputation Equifax is in violation of 15 U.S. Code 1681c ( 5 ) - Requirements relating to information contained in consumer reports -- Equifax is furnishing fruadulant information hurting my reputation knowingly and willfully there for it is adverse information and a act of illwill -- Equifax is in violation of 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies -- EQUIFAX falls under the definition of Person in Truth in Lending 1602 being a corporation and has furnished on my consumer report willingly having reasonable cause to believe that the information is inaccurate so there for are in violation. 

Equifax is in violation of 15 U.S. Code 1692j - Furnishing certain deceptive forms -- Equifax has furnished a unauthorized inquiry despite my communications disputing said inquiry giving the perception i have some relationship with the third party and any possible debt for service -- Equifax is in violation of 15 U.S. Code 1681a ( e ) - Definitions ; rules of construction -- under this federal law Equifax has not conducted a proper investigation and is willfully hurting my reputation in a act of ill will Equifax is liable for damages under 15 U.S. Code 1681n - Civil liability for willful noncompliance and 15 U.S. Code 1681o - Civil liability for negligent noncompliance for the amount of {$1000.00} per violation for the total sum of {$7000.00}. I seek resolution of deletion of disputed item and remedy for incredible damages including XXXX, lack of sleep, XXXX XXXX XXXX, frustration and XXXX.