23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I made a payment on my Elan credit card on XX/XX/XX/XX/XXXXin the amount of {$3500.00}. The disclosure statement stated that payments made after XXXX CT would be credited on the next business day. When I checked my credit card account it showed the payment being processed but my funds availability did not show the payment amount. When I called Elan they informed me since I used a different checking account to make the payment, they placed a seven day hold before the payment would be available for me to access the credit card funds available. My checking account bank shows the funds have left my account. Elan staff stated that they received the funds from my bank, but their system automatically placed a seven day hold on my funds. Elan staff acknowledged that the seven day hold on processing payments is not readily disclosed to the customers. Elan told me to contact my checking account bank and have them fax them a verification that the funds were paid to them.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting different balances on different reports. Notified this company several times that my personal information was and still is reporting as being apart of a data breach with the accounts not being investigated properly.
Product: Debt collection

I switch carriers and could have sworn I paid it off. No letter, phone call nothing let me known this was taken place.
Product: Student loan

I made refund requests for my Dept of Education held loan on XX/XX/XXXX and XX/XX/2022 from Nelnet as provided for under the CARES act and was told I would receive refunds within 4-6 weeks. On XX/XX/XXXX, my loan balance was not updated on my Nelnet account and I had not received refunds and so called Nelnet for an update as previously instructed and was told that my refunds " were not even processing yet ''. When I asked for a date by which I *could* expect my refunds, the Nelnet representative stated they would take " two more months, but would be completed by some time in XXXX, by end of year ''. When pressed as to why the timeline of 4-6 weeks was given not once, but twice previously, and how the backlog could possibly affect requests made in XXXX when there was no backlog at that time, the Nelnet representative stated the system is overloaded with requests and that processing time has increased. On that same day ( XX/XX/2022 ) I filed a CFPB complaint asking that my refunds be processed by XX/XX/XXXX. On XX/XX/XXXX, as part of their official written response to my CFPB complaint, Nelnet stated that my refunds were waiting on approval by the Department of the Treasury. On XX/XX/XXXX and XX/XX/XXXX I called Nelnet again and was again told they were waiting on approval by the Department of Treasury. 

On XX/XX/XXXX I called and spoke directly with the Department of Treasury Fiscal Bureau who explicitly denied that the Department of Treasury had ever received refund requests for my accounts and they said that refunds are solely the responsibility of and processed by loan servicers, and the ony approval is by the Department of Education, never the Dept of Treasury. I immediately called the Department of Education Federal Student Aid Office and they confirmed what the Dept of Treasury had said. I then in turn called Nelnet and spoke with a XXXX XXXX in the Nelnet Solutions Department, who reviewed the CFPB response and said that the information in the CFPB response letter from Nelnet was wrong and the Department of Treasury is in fact NOT who approves refunds. XXXX also confirmed that my refund are still sitting with the Nelnet accounting department XXXX weeks after the refund requests were made.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached is a Federal Civil Court Complaint and Subpoena for Equifax, XXXX, and XXXX to produce all information and documentation used to perform the requested investigation and reinvestigation of the XXXX XXXX XXXX XXXX credit card account that is reporting to my consumer credit report. I am not disputing the existence of this account but who it belongs to. According to the Fair Credit Reporting Act, a trust is NOT a consumer and if the trustee who opened the account for the trust was in the capacity of a business, that is not a consumer either. None of the agencies have provided any documentation to support the investigation to validate this dispute. They are violating USC Title 15 section 1681 ( please see attached Complaint for a Civil Case ).

Please see attached active Civil Complaint, letters, Subponea, proof of mailing for dates and proof of actions taken.
Product: Credit reporting or other personal consumer reports

CFPB Complaint Submission ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, and TransUnion ) Date : XX/XX/XXXX Complainant : XXXX XXXX XXXX Against : XXXX XXXX XXXX Bank, XXXX, TransUnion Complaint Description : I am submitting this complaint regarding the inaccurate reporting of a charged-off account by XXXX XXXX XXXX XXXX XXXX XXXXXXXX and TransUnion, which has caused significant harm to my credit profile and financial reputation. 

The account in question was charged off by XXXX XXXX XXXXXXXX XXXX in XX/XX/XXXX, yet it continues to be reported as charged off repeatedly for subsequent months and years, despite no payments or activity on the account. This ongoing reporting is inaccurate and misleading, and violates my rights under the Fair Credit Reporting Act ( FCRA ). 

Furthermore, XXXX XXXX XXXX XXXX  has failed to validate the debt despite my formal disputes with XXXX and TransUnion. Both credit bureaus verified the account without providing a method of verification, violating 15 U.S.C. 1681i ( a ) ( 7 ). 

Additionally, XXXX XXXX XXXX XXXX  has securitized their receivables as disclosed in their XXXX filing with the SEC. This suggests that XXXX XXXX XXXX no longer legally own the debt and lacks the authority to report it as a charge-off. If the debt was sold, it should not continue to be reported under their name. 

Specific Violations : XXXX. Failure to Verify Debt Ownership : XXXX XXXX XXXX XXXX  has not provided sufficient documentation to validate the charged-off debt. The credit bureaus have verified the account without proper verification, in violation of the FCRA. 
XXXX. Inaccurate and Inconsistent Reporting : The account shows inconsistent balances across XXXX and TransUnion. XXXX reports a balance of {$1300.00}, while TransUnion reports {$0.00}. This is further evidence of inaccurate and unverifiable information being reported. 
XXXX. Failure to Issue Form 1099-C : XXXX XXXX XXXX XXXX  charged off the account and likely took a tax deduction for the charged-off debt. However, I have not received a Form XXXX, which is required under IRS regulations for debts over {$600.00}. 
XXXX. XXXX XXXX XXXX Practices : The CFPB has recently sued XXXX for sham investigations into credit disputes. This case reflects the same behavior, where XXXX verified the account without proper investigation or validation. 

Evidence Provided : 1. Credit Reports from XXXX and TransUnion showing repeated charge-off reporting. 
XXXX. XXXX Filing by XXXX XXXX XXXXXXXX XXXX  XXXX proving securitization of receivables. 
XXXX. Debt Dispute Letters and Credit Bureau Responses, showing failure to provide proper verification. 
4. IRS Form 3949-A Submission to report potential tax violations by XXXX XXXX XXXX XXXX  XXXX
Product: Checking or savings account

My Debit card information was stolen and I had my bank account information and other accounts such as cashapp stolen. I filed a claim with Chase bank for multiple transactions. They denied one of my claims leaving me without XXXX XXXX They now have another claim for over XXXX $ and refuse to issue me provisional credit while they due their investigation. This is leaving my family and I without money for days now due to chase bank not caring for their customers. Very upsetting.
Product: Credit card or prepaid card

I normally make payments on time but missed one payment on XX/XX/2020 due to the COVID-19 situation. I called Capital One and asked that the Late Fee of {$25.00} be removed from my account due to the circumstances and that normally I make payments on time. I was told that the Late Fee will be taken off my balance but I would have to pay an extra {$20.00} due to an increased balance. None of the reps. could explain exactly how they calculated this extra {$20.00} other than to say that my balance increased resulting in this extra amount needing to be paid. In addition, the reps. told me if this extra {$20.00} is not paid by the due date, I will incur another late fee, despite the fact that I just enrolled in a Special Assistance Program to waive Late Fees. Conveniently for Capital One, this Program doesn't take effect for 1-2 billing cycles. These are nefarious business practices. Capital One has found a way to recoup their Late Fee by tacking on an extra {$20.00} fee but claiming that they remove the Late Fee from your balance.
Product: Money transfer, virtual currency, or money service

My wallet was stolen this past XXXX XXXXand I called PayPal about it the closed my account and all my stimulus and stuff are on there they saying I can't have my money they closed it after the refunded me the money and I can't even get the tax credit they giving right now I'm losing my place cause I can't even pay rent they have all my money it's around XXXX dollars
Product: Consumer Loan

I have gotten a car from drivetime 2 and a half years ago and never missed a payment what so ever. Then I had a animal accident and it got totaled. I went back to get another car from them because I enjoyed their vehicles. And I got a XXXX Kia forte it was just perfect until 2 to 3 months later. Bolts are hanging out of my engine, my transmission started slipping and my electrical wo n't work properly. This car has turned out to be a lemon. But I 'm in XXXX on this car. So I tried to use my warranty. And they demanded to make me pay for diagnostics when I just got the car and I refused. Day after day it was arguments. Until the next week. They finally waved the diagnostics. So I got my car up to aamco to gethe it done. Well XXXX said they ca n't fix it but they see what the problem is only a XXXX dealership could fix it. So I got it to XXXX dealership, and do n't make me get started on how they would n't give me a car to borrow in the mean time. They sent me to XXXX and XXXX but theyou were charging me XXXX to almost XXXX dollars just to get one. So I refused until I got a car I could borrow to hold to work. Next after I got it up there to them it took the 1 and a half weeks to do the diagnosis. Then it sat because a XXXX and drive time was not communicating to get the diagnosis paid for. It took 2 to almost 3 weeks to get it paid. Then they wanted me to take it to a different XXXX trying to be cheap on the prices when I got XXXX with a XXXX loan I should have a good car. Anyways before that XXXX came to pick it up and the dealership would n't let it go because they said they have n't received any payments from drivetime. Whoa really? I waited 3 more dayes to get it actually a paid for so they can release it. Now I'must waiting for aamco to pick it up AGAIN.. I 've been calling all month telling the company I just can not make a payment on a vehicle I do n't have and I just got and it 's messed up. They told me it will be reported to the credit bureau and mess my report up. I 'm starting to look for a lawyer. Or work out something with the company. I should be able to walk away from a horrible situation Like this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is furnishing multiple student loans on my consumer report for {$67000.00}, {$10000.00}, and 9 accounts with a {$0.00} balance illegally without my consent. 

Pursuant to 15 USC 1681 ( 3 ) Congress makes it clear that XXXX has assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 

Pursuant to 15 USC 1681a ( 4 ) XXXX didn't exercise their grave responsibility with fairness, impartiality and respect for my rights to privacy. 

Pursuant to 15 USC 1681 ( a ) ( d ) ( 2 ) ( A ) ( III ) XXXX violated my consumer rights because they never gave me a chance to confirm nor deny if a consumer transaction ever took place they just assumed it did. 

Pursuant to 15USC1681b ( 2 ) XXXX violated my consumer rights because I never gave them written consent to furnish anything on my consumer report. THIS IS IDENTITY THEFT. 

Pursuant to 15USC 6802 ( b ) ( 1 ) ( a ) my consumer rights were violated because I was never given the clear and conspicuous disclosure that I can Opt out.
Product: Mortgage

***I was working with Amerihome Mortgage on a loan modification for my house. I did not receive the packet in the mail that the lender told me i was going to receive. I downloaded the application and faxed them over all the forms they needed several times. 

***Amerihome Mortgage went ahead and auctioned off my property regardless that we were already in the negotiation phase of doing a loan modification. 

***I was told by hud that i qualified for a loan modification since i had an fha loan and qualifed for a hardship since i am XXXX XXXX. 

***I would like somebody to look into this since i do not feel that anybody should be told one thing ( Amerihome Mortgage helping me do a loan modification ) but at the same time they were still moving forward with auctioning off my property. It specifically states that this is illegal to do in the homeowners bill of rights as well. 

***I had to file bankruptcy just to save my home from being sold by the bank. 

***I had my XXXX and became ill and on XXXX XXXX however the lender has not once given me any type of solution that shows they are willing to help me with a loan modification. I have applied XXXX separate times and was denied for a Different reason each time by Amerihome Mortgage. This needs to stop not just for me, but by anybody who is XXXX XXXX who is having a hard time paying their mortgage.
Product: Debt collection

Ability recovery services has reported an inaccurate debt collection account to my consumer report and while i have already tried disputing with the credit bureaus that they are listed on, ( XXXX, XXXX verified as accurate ) i have further researched about this company to make sure that they are in compliance with the fcra, national, and state laws reporting this account to my consumer report and found that Ability Recovery Services is UNLICENSED as a collection agency in the State of Florida. Per The FCCPA, it requires all debt collectors to be registered with the State of Florida. XXXX XXXXe XXXX  stateXXXX XXXX of consumer collection agencies required ; exemptions. ( 1 ) A person may not engage in business in this state as a consumer collection agency or continue to do business in this state as a consumer collection agency without first registering in accordance with this part, and thereafter maintaining a valid registration. ( 2 ) Each consumer collection agency doing business in this state shall register with the office and renew such XXXX  annually as set forth in s. XXXX Referenced from XXXX XXXX XXXX XXXXXXXX  XXXX XXXX XXXX XXXXXXXX I am a resident of Florida and currently my rights are being XXXX. I have attached my drivers license and utility bill as proof of residency.
Product: Checking or savings account

Someone ordered a new debit card from Chase without my knowledge on XX/XX/year>, while I was out of the country. After the card replacement email was sent to my inbox, I was bombarded with hundreds of junk emails, so I would miss the email from Chase. Then someone withdrew {$7000.00} from my savings account on XX/XX/year> with the new card and pin. I discovered this situation in the evening of XX/XX/year> when I was paying my credit card and checking my account balances. I went to the bank on XX/XX/year>. A banker at Chase helped me to file a claim to Chase, change the account number for checking and savings, order a new debit card, and set up extra protection for my account ( verbal password, etc ). I froze my credits from the XXXX credit bureaus, and filed a report on XXXX since the person who ordered the debit card somehow was able to have all of my information. Then I received Chase 's response on XX/XX/year>, saying that my claim was denied.
Product: Credit reporting or other personal consumer reports

I have asked Experian to correct my public record showing XXXX  XXXX which was filed XX/XX/2023 and XXXX XX/XX/2023. Credit report is constantly reporting bad debt and late payments despite the law of bankruptcy and filing. My rights to restart or stop negative reporting have been violated. I sent in several disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX 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 XXXXXX/XX/XXXX NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX XXXX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

I have asked to Stop Calling my family I have them to take off My credit report because they were sold my information without any written permission
Product: Credit reporting or other personal consumer reports

I recently did a review of my credit report and noticed I had fraudulent accounts on my report. I disputed the account but it remains on my credit report. Im in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly detrimental to my credit score PORTFOLIO RECOVERY Account Number : XXXX
Product: Checking or savings account

Chase appears to be trying to set precedent with this type of branch. This is a cashless branch. There are no live tellers. Yet, there are processes that are not openly disclosed to the customer. Their processes allowed the bank to keep my money even in the instance where an employees witnessed the machine malfunction and not dispense my money ( the withdrawal will be confirmed in your transactions when checked and the bank will not immediately resolve the error/malfunction ). Instead it was requested I sit in a cubicle ( XXXX XXXX the associate who witnessed the malfunction ) while a claim was created and case numbers established. I asked for the manager and was advised he was not there. The next in charge XXXX XXXX casually conveyed it has happened to him, ( I called XXXX XXXX ( XXXX ) in XXXX relations ). I was told by both the claims Supervisor XXXX XXXX ( claim number XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) the matter would take at least 12 hours to be resolved. The bank would not expedite resolution. I used the atm inside the branch which is how the associate witnessed the machine malfunction. There were ATM servicing agents repairing machines on the outside of the building. Yet, I was told the machines on the inside could not be serviced until after hours. I have contacted XXXX XXXX this morning and spoke to XXXX who advised a Supervisor was unavailable and in a meeting. He advised XXXX was still handling the case. 

My concern is the machine malfunctioned and my money was not dispensed ... in front of an associate and it is being handled casually with no urgency or bank accountability, immediate action or concern. I am being forced to wait for resolution. The amount was $ XXXX. It was bill, fuel, and grocery money waiting to be distributed. I was forced to go home. I find it heinous and it still has not been resolved and is approaching 24 hours. There should be a more immediate policy to service customers like myself in this instance.
Product: Credit reporting or other personal consumer reports

I was completely stunned to see incorrect accounts appear on my credit report tonight, and I have no clue how this happened. I routinely check my credit report, but this time, I was shocked to find random discrepancies. I even refreshed my browser, thinking it might be a glitch, but nothing changed. The errors were still there. This issue is seriously unsettling, and Im requesting a thorough review of the documents Ive provided to ensure I never have to worry about this again.
Product: Credit reporting or other personal consumer reports

I live in Ohio and because of the Lending laws in Ohio this debit is null and void and un collectable. Ohio caps interest rates for loans to 28 percent and only maximum of XXXX dollars amount per loan. These internet loans are predatory and illegal. The interest rate for these loans are XXXX percent. A XXXX dollar loan becomes XXXX and pay for 9 years. The below companies are on my credot report under the collections category. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Both companies go through XXXX XXXX XXXX XXXX XXXX XXXX they also practice unfair collecting. Called my wife and other family members and forced me to start a monthly payment plan with them so they could stop calling my family. Very embarrassing and it should be illegal.
Product: Vehicle loan or lease

We bought our very first honda because of all of the praises everyone gives them on their reliability. There is a XXXX XXXX XXXX XXXX XXXX, which is a known issue with said XXXX. There is a recall on these parts for the very same make, model, and year because of this issue. Somehow my vin number doesnt qualify for the recall even with it being the same make, model, and year. I don't think the bad parts in my XXXX matching the bad parts in the recall is a coincidence. But honda called tofay after avoiding my calls for two days to say they " respectfully decline '' helping get it fixed because they are cheap and don't care about you once they get their money out of you. We have paid off 90 % of this car loan and we are a 1 family car, being left high and dry so honda can keep their pockets padded