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

I pulled my XXXX credit reports and found Upgrade had pulled my credit without authorization on XX/XX/2018. I was only looking they were only authorized to conduct a soft pull. I sent them a letter to remove the unauthorized inquiries and they responded that the inquiry was a soft pull not a hard pull. However XXXX  shows the inquiry as a hard pull so I ma filing a dispute against Upgrade and XXXX to get the inquiry removed immediately.
Product: Payday loan, title loan, personal loan, or advance loan

Numerous times I have made online payments with my debit card, it will state that the payment is processing and withdraw from my debit card. Then it fails they remove or cancel the debit card payment stating that it failed when that is false. I have another loan with another lender and they process debit card payments with NO PROBLEMS. 

But this lender AVANT is being deceptive in the statement stating they allow debit card payments but they always cancel them. Forcing you to use on a checking account. Then they allow you the option to change banking information because you a leary of there process and don't want to fall vicitim to thier scam or fraudulent business practices. 

All I want to do it pay my bill. They wont even allow me to pay more then bill amount. Cause further debt by charging more Interest on the loan. Because they only allow you to pay the min balance due.
Product: Payday loan, title loan, personal loan, or advance loan

Subject : Complaint Regarding Predatory Lending Practices by Bankers Healthcare Group ( BHG ) Loan # XXXX To : Consumer Financial Protection Bureau I am writing to file a formal complaint against Bankers Healthcare Group ( BHG ) concerning predatory lending practices related to my loan, # XXXX, which I used to pay off my credit card debt. I have documented several concerning practices as follows : 1. Misrepresentation of Loan Purpose and Requirements False Business Representation : I originally applied for a debt consolidation loan specifically to pay off my credit card debt. However, BHG representatives instructed me to falsely claim that the loan was for a medical business, despite my clear financial need for debt relief. 
Contradictory Documentation : The loan documents indicate that my transaction was classified as Non-Healthcare, yet I was explicitly told over the phone to misrepresent the loans purpose to secure approval.

2. Predatory Terms and Restrictions Automatic Payment Mandate : The loan requires that payments be automatically withdrawn from my checking account.

Prepayment Restrictions : I am prohibited from prepaying the loan for the first 48 months, which significantly limits my ability to manage and reduce my debt. 
Exorbitant Interest and Fees : The loan carries an interest rate of 17.99 %, resulting in a total repayment of {$63000.00} on a principal of {$35000.00}. Additionally, I was charged a {$2900.00} documentation fee and a {$2100.00} Optional Limited Personal Guaranty fee. 
Extended Loan Term Requirement : I was informed over the phone that I must maintain the loan for a minimum of XXXX years before I could request a payoff amount, effectively locking me into an excessively long-term commitment. 
3. Aggressive Marketing Practices Cycle of Debt : I have been repeatedly and aggressively marketed to refinance this loan with another BHG product. This strategy appears designed to create a cycle of debt similar to practices observed in payday lending. 
4. Credit Reporting Misrepresentation False Assurance on Credit Reporting : I was assured that the loan would not appear on my credit reporta misleading tactic intended to downplay the negative impact of the loan and encourage borrowing. 
The loan documents ( Agreement # XXXX ) clearly support these claims. I respectfully request that the CFPB investigate these predatory practices and take appropriate action to safeguard consumers from similar deceptive lending schemes. 

Thank you for your attention to this matter.
Product: Student loan

XXXX refused to enroll me. CLIMB approved me for the entire tuition amount, but XXXX wanted me to lower my approved amount from CLIMB so that it would force me to pay some of of the tuition out pocket.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft and the disputed inquiries being reported on my Personal Credit File were never authorized neither initiated by me nor anyone I allowed to. By the provisions of the FCRA, I am requesting that the Credit reporting agencies deleted the disputed inquiries completely from my Credit report and stop their erroneous reporting.. I previously requested proof of verification bearing my signature to support the Credit Bureaus claims that the dispute inquiries belong under my name. Once again, I need the following inquiries deleted as soon as possible : XXXX XXXXXXXX XXXXnquired XXXX XX/XX/XXXX, XXXX XXXX XXXXnquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXXInquired oXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-Inquired on XXXXXXXX XXXX XXXX XXXX-Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXXInquired on XXXX XXXX, XXXXXXXX XXXX XXXXInquired on XX/XX/XXXX XXXX XXXX XXXX XXXX on XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXInquired on XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXInquired on XX/XX/XXXX, XXXX XXXXInquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXInquired XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXInquired XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXXInquired on XXXX XXXX XXXX XXXX XXXX XXXX-Inquired on XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

Last Thursday the morning my dad passed the bank froze my accounts one day after refunding fraud charges that were done on my account they have call my. Money held as nd accepted my XXXX check after the freeze and arent allowing me access to any of the funds I cant get home to my family feed myself or my kids or pay my house payment or utilities and I dont owe the bank money theres over XXXX dollars frozen
Product: Credit reporting or other personal consumer reports

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

Account Name XXXX XXXX have Violated My Rights : Account Number XXXX Account Name XXXX XXXX XXXX  have Violated My Rights : Account Number XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I had money XXXX transactions coming out of my bank account. Wells Fargo decided to pay the largest of these transactions so they could collect fees on the other XXXX transactions. This is not allowed by law. I also did not authorize them to pay bills without any funds in the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote a goodwill letter requesting late payments be removed also cares Act ( 15 U.S.C. 1681s 2 ( a ) ( 1 ) ( f ). ) to stop adverse credit reporting during XXXX crisis.
Product: Credit reporting or other personal consumer reports

I reviewed my XXXX credit report and noticed some inaccurate information on my credit profile. I noticed these XXXX accounts XXXX XXXX, In showing I was 60 days past due and XXXX XXXX  was saying I was 120 days past due. I do not recall being late on either of these accounts and they have yet to give me any validation on them. I never received any statement saying I was late. 

Per Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Product: Checking or savings account

I got my debit card hacked and two transactions went through on XX/XX/2023, one of {$84.00} and the other {$84.00} for a total of {$160.00}. The vendor was a XXXX in Arizona. I am a Massachusetts resident. 

I let Bank of America know on XX/XX/2023 when I saw the pending transactions. They opened two claims XXXX and XXXX, both for the total of {$160.00}. 

Two packages from XXXX arrived at my house in XXXX and I let my parents know they were not ordered by me and asked them to hold onto them while this claim was being processed. But in XXXX my sister accidentally opened thinking they were ordered by me and found two screen protectors. 

The claim papers arrived at my house yesterday ( XX/XX/2023 ) saying the claim of {$160.00} was rejected because they claimed that the transactions were made by me or someone authorized to use my debit card and that I would be charged. 

I saw on the claim papers that the transactions were made by someone using my name, debit card number, and address ( XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX MA ). But they used a different email and phone number ( XXXX, XXXX ). The order ID was XXXX and the case number was XXXX. 

However, the claim papers showed the two transactions totaled {$84.00} for two screen protectors of {$39.00} plus a tax of {$2.00} for each. 

I understand I have to pay {$84.00} because those items arrived at my house and was opened. 

However, I do not know what the other {$84.00} charge is for and why its claim was rejected and will be charged to my account.
Product: Debt collection

PRA is attempting to collect debt not owed. Debt was reported as fraud both in XXXX and XXXX. Previous company, XXXX XXXX, closed accounts on credit bureaus in XXXX. 

Documents proving identity theft of my name, address and social security card to open a credit card with XXXXXXXX XXXX were mailed, certified, along with filed police report to credit bureaus and PRA. 

PRA has violated my rights to receive copies of ALL original signature pages of application for credit card, transactions made on said account, billing statements as well original documents on how PRA acquired the fraudulent account.

PRA has asked for information they already posses and that which I learned from them. This is harassment. They do not need information they already possess. 

This company is close to missing the 60 day deadline to produce all original documents for my files.
Product: Credit card or prepaid card

I applied for gold skymilles amex card on XX/XX/XXXX for the XXXX delta miles offer if i spend XXXX $ during the XXXX 3 months. I spent the money and been qualified for the offer. However, I never got my offer. I called them by XX/XX/XXXX they told me there a system mistake then they promised i will get my offer miles by XXXX. In XXXX tgey told me again theres a problem that my name is similar to another name and they are investigating it. On XXXX they told me they confirmed that my profile is eligible and i should got my miles in 2 weeks. Since XXXX XX/XX/XXXX i am giving them a call biweekly and everytime time they are telling me the case is still opened and they will escalate it. I have applied for this card with annual fees only for the miles offer and for 6 months now i am calling them biweekly and nothing happens
Product: Checking or savings account

On XX/XX/2021 I submitted an international wire in the amount of {$5000.00} from my personal checking account at BBVA USA. All security information was previously verified by their Wire Department ; however, to this date funds have not been received by the recipient account nor returned to the checking account despite multiple pleas via phone calls. This bank operates like an outlaw organization in total disregard of customer relations. Whenever I attempted to find out about the wire using my calmer demeanor, they either put me on hold or simply hung up the phone in what appears to be an inconsequential behavior for those staff members involved. 

I have been transferred multiple times to different alleged supervision levels but none are even willing to file a dispute report, which filing is also restricted online. 
BBVA have been illegally holding funds meant for a time sensitive business transaction which I already missed, but I just need my monies back as soon as possible. 
Amount of wire : {$5000.00} Date sent : XX/XX/2021 Destination : XXXX XXXX BBVA confirmation code : XXXX
Product: Debt collection

Debt had been paid and to original debtor not this capsys, not sure how theyu report I owed them at all when bill was paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon, I am making a dispute against Barclays Bank Delaware , XXXX XXXX XXXXXXXX And XXXX XXXX XXXX  for making a hard inquiry against my credit report. I believe I was sent a pre-approval offer letter from These banks to me in the mail and was told that ANY pre-approved offers should be reported as a soft inquiry. However, there was nothing soft about this inquiry. This hard inquiry, along with a few others, has in fact ravaged my credit score, causing my credit score to plummet from a XXXX excellent score to a XXXX. Being that I was considering of getting a mortgage loan in a few months, these hard inquiries will not look good to bank and other lenders.
Product: Credit reporting

I am disturbed that Equifax continue to list the dismissed bankruptcy as confirmed within my credit file. Although it is your policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''. 
Any case, civil or otherwise, which is dismissed no longer, exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent. 
Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, I ', requesting them to delete this information from my credit report and send me an updated copy when this action is completed. 
They did not approved my request
Product: Credit reporting, credit repair services, or other personal consumer reports

By the Laws that uphold deemed as FCRA ( Fair Credit Reporting Act ) /U.SC The Furnishers / Credit Reporting agencies of the following accounts XXXX  XXXX : ACCT # XXXX FRAUD/ REMOVE, XXXX  ACCT # XXXX FRAUD/REMOVE, XXXX ACCT # XXXX FRAUD/REMOVE, XXXX ACCT # XXXX FRAUD/ REMOVE, XXXX XXXX ACCT # XXXX FRAUD/REMOVE, XXXX XXXX ACCT # XXXXFRAUD/ REMOVE, XXXX XXXX ACCOUNT # XXXX FRAUD/ REMOVE, XXXX XXXX XXXX ACCT # XXXX FRAUD/REMOVE, XXXX ACCT # XXXX FRAUD/REMOVE, XXXX XXXX XXXX ACCT # XXXX FRAUD/ PL REMOVE, XXXX XXXX XXXX ACCT # XXXX FRUAD/ REMOVE, XXXX XXXX XXXX ACCT # XXXX FRAUD/ REMOVE have violated my rights. according to 15 U.S.C 1681 Section 602 A States I have the right to privacy. also according to 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. along with the Fact that The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Being the fact I did. not solicit, authorize, or knew about these accounts nor their furnishing this goes against my immediate rights as a consumer as well as against the fairness respect and impartiality that the reporting agencies/ furnishers are to uphold. In aspects and reference to 604 - 15 U.S.C. 1681b Section A which states " consumer may report furnishing done. By the consumer in that this file was not done or in any way initiated by me deemed as fraud and shall be removed "
Product: Mortgage

After requesting a payoff from my loan servicing company, SN Servicing Corporation, I discovered an error. The payoff included an interest bearing principal balance of {$190000.00}, and two additional " other '' fees, which were further identified in the payoff detail as a Prior Servicer Corporate Advance in the amount of {$36000.00} and Forbearance Principal in the amount of {$36000.00}. Per my original loan modification agreement in XXXX, there was a deferred principal balance of {$36000.00} and ( at that time ) an interest bearing principal balance of {$210000.00}. Since signing the loan modification agreement I have stayed current with my payments and at no point did I agree to, or sign for, any additional changes to my loan agreement. I notified SN Servicing Corporation of my dispute of the Prior Servicer Corporate Advance fee, in the amount of {$36000.00}, via certified letter on XX/XX/XXXX asking them to investigate the error. I received a letter back on XX/XX/XXXX stating SNSC would look in to it, but have not received any follow up since.
Product: Mortgage

Between XX/XX/XXXX and XX/XX/XXXX I filed a mortgage modification for my first mortgage. As my loan transferred from XXXX XXXX to Chase Bank for servicing, I was advised by the modification department of Chase Bank not to make any payments while the loan was going through the modification process. I was very uncomfortable with this arrangement, especially after receiving multiple letters concerning possible foreclosure. I called the modification each time I received XXXX of these letters. Throughout the three year process, I was contacted fairly frequently by many modification agents to have the information packet updated but ALL told me to save the money and not to make any payments until a decision was made. Whenever, I found an agent who would accept the payment, I made multiple payments. 

Since my I received the denial of mortgage modification in XX/XX/XXXX, I began making timely payments. In an effort to refinance my mortgage, I have asked Chase Bank to remove all the late payments from my credit report since they told me not to make any payments during the modification process. I have made this request repeatedly over the past three years. To-date Chase Bank continues to report that they have no agents that were telling consumers not to make payments during the modification process. I asked them to research the fact that I was probably late on my mortgage once before and after the modification process. I have also reported this problem to XXXX XXXX the owner of the loan but to date there has not been any resolution.
Product: Credit reporting or other personal consumer reports

My XXXX outstanding balance was 0, but the 2 credit agencies, XXXX XXXX Transunion failed to update my credit despite of numerous disputes. I contacted the XXXX  but they have no more record regarding my student loan balance because I was given forgiveness on my loan from XXXX.
Product: Credit card or prepaid card

My credit card payment is due on the XXXX of each month. On XXXX XXXX I made a payment on my account. However I was charged a past due fee. I reached out to capital one to resolve this issue and I was told the late fee couldnt be reversed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX - XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX Balance {$460.00} XXXX XXXX XXXX Balance {$7.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX - XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXXXXXX Balance {$460.00} XXXX XXXX XXXXXXXX Balance {$7.00} XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX Inquiry Date XX/XX/2021 XXXX : XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX AV XXXX, OH XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXXXXXX Balance {$0.00} XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXXXXXX Balance {$460.00} XXXX XXXX XXXXXXXX Balance {$7.00} XXXX XXXX Inquiry Date XX/XX/2021
Product: Debt collection

I have asked CB Bessemer Collections to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX has filed suit via a Debt Collector lawyer on a debt that I did not owe or sign for. I have not been notified of this debt and they have not validated this debt. The only way I knew that this was happening and that they were fraudulently charging me and attempting to sue was by chance. I was contacted by a local Bankruptcy lawyer looking for my business and was provided with the court filing that included the lawyer filing the suit. I have demanded debt validation with both XXXX XXXX and the collector, but I am filing complaint asap to get this resolved and stopped immediately. My income is through my late husband 's social security income for our children and not garnishable anyway. However, since they have not provided me with any debt validation and have moved to sue without any contact or warning, I have no choice but to submit this complaint and notify them that I will pursue a suit of my own for their violation of the FDCPA.