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

At Huntington bank, in XXXX Ohio in front of giant eagle, I deposited a payroll check. I asked them their policies on holds and if there would be one on my check and the bank teller told me no that my funds would be available next day. I asked again if the teller was sure explaining the previous weeks issued and she reassured me my funds would be available the next day. I cashed back {$300.00} of my {$1100.00} paycheck. I trusted the banker to provide me with the correct information. The next day I got an email about a hold with no explanation why. When I called Huntington explaining my experience they told me they were going to hold my funds from friday morning deposit until Thursday the following week. My electric went off from non payment because of this hold. I have a XXXX year old daughter, and XXXX older kids who are all now in XXXX  XXXX  due to the lies of the bank teller. I deposited my check under the lies of that bank teller. Now I'm XXXX  without electric until they release my hard earned money.
Product: Credit reporting or other personal consumer reports

This is XXXX of my XXXX attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
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 XXXXXX/XX/XXXX
Product: Credit card or prepaid card

The attached document will show my efforts to get a resolution of my complaints. I have sent several written documents to PayPal Credit and Synchrony Bank. No results.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company by the name XXXX XXXX XXXX XXXX Has reported to a creditor and gave my information to RECEIVABLE RECOVERY stating that I owe {$940.00} and now it is on my credit report as fraudulent. 

I do not owe any of the above companies money and my information was sold without my discretion. 

I asked that this be taken off my credit immediately I am seeking legal representation otherwise.
Product: Credit reporting or other personal consumer reports

I am writing with the utmost urgency regarding multiple inaccurate and falsely reported items identified on my recent credit report. These inaccuracies must be addressed and removed immediately as they represent clear violations of federal law, including 15 U.S. Code 1681o and other provisions of the Fair Credit Reporting Act ( FCRA ).

Many of these inaccuracies stem from DEBT BONDAGE, and as such, I am invoking section 605C of the FCRA, which mandates the deletion of information from a credit report that results from such practices. Your failure to maintain reasonable procedures to ensure maximum accuracy under 15 U.S.C. 1692g leaves your agency potentially liable for negligence, as demonstrated in XXXX v. Equifax Information Services LLC ( XXXX XXXX 2018 ). 
Federal credit reporting laws require 100 % accuracy in reporting, and the items listed below fail to meet this standard. 
Enclosed with this letter are copies of my government-issued ID and utility bill to confirm my identity and residency, leaving no grounds for further delays
Product: Debt collection

THE MLA WAS VIOLATED THE MLA WAS VIOLATED THE MLA WAS VIOLATED. It should be known I was in the military.XX/XX/XXXX and XXXX XXXX of XXXX violated the military lending act. I joined the military XX/XX/XXXX and my contract ends XX/XX/XXXX. The car was purchased in XX/XX/XXXX, therefore I am a covered borrower. Did you notice that she didnt investigate the MLA which was violated. I need to be compensated for all the damages that occurred. In the contract as a military member I was financed gap insurance. The Mapr needs to be investigated, also I didnt received any disclosure about the Military Lending act. Please note if this complaint doesnt get resolve after this complaint. I will be contacting the Military JAG and also the Florida Attorneys General XXXX XXXX Under the XXXX version of the interpretation of the Military Lending Act ( MLA ). MLA and Q & A # 2 The MLA prohibits creditors from charging more than a 36 percent military annual percentage rate ( MAPR ) on credit transactions to covered persons. It also, among other requirements and restrictions, prohibits taking the title to a motor vehicle as security for a credit transaction, unless the creditor is a federal or state bank, savings association, or credit union. However, the MLA exempts several types of transactions from those restrictions, including a credit transaction to finance the purchase of a motor vehicle or other personal property when the credit is secured by that vehicle or property. In addition to regulations, in XXXX the DoD issued interpretive guidance on the MLA in the form of questions and answers, and amended that guidance in XXXX. One question-and-answer in the XXXX  guidance ( Q & A # 2 ) advised that when a lender extends credit in excess of an items purchase price ( such as a hybrid purchase-money and cash-advance loan ), the loan is not exempt from the MLA. Initially, Q & A # 2 was limited to secured personal property loans. However, in the XXXX   amendments mentioned above, the  DoD stated that the interpretation applied to secured motor vehicle loans, too. Accordingly, based on the XXXX Q & A # 2, an auto purchase loan that included GAP insurance would not be exempt from the MLA or its regulations, unless the lender was a depository institution. Since those loans would be deemed subject to the MLA, they would not only be subject to the 36 % MAPR limitation, but also to the prohibition against securing the transaction with the vehicles title.
Product: Credit reporting, credit repair services, or other personal consumer reports

According 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

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: Credit reporting or other personal consumer reports

The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023
Product: Credit card

XX/XX/XXXX I purchased furniture in XXXX Carolina on a Wells Fargo NO interest for 12 Months account. It took me three months to get the account settled so they would take my payments, as for some reason XXXX, XXXX, had not submitted my information, and Wells Fargo had no record of my account, and kept returning my payment funds. After much back and forth with the bank and store, I got it fixed, and I have been paying my account as promised on time as I was told that interest would be accrued after a 1 year time frame, so MAKE SURE, I have the account paid off by then. I have done so, and noticed a jump in the balance this month, so I logged in and saw a {$460.00} and {$27.00} increase on my bill. It is impossible to get Wells Fargo on the phone and I work 12-14 hours a day. I tried email, and their systems are down on the weekend to contact them to get answers, I want to know why this charge is here and why I was n't notified. I want other consumers to know about deceptive banks and banking practices so as to avoid the XX/XX/XXXX melt down this country had resulting from greedy bankers. I 'd like to know how to proceed to resolve this issue.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX BXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX A XX/XX/XXXX EQUIFAX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX NA XX/XX/XXXX XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XX/XX/XXXX EQUIFAX XXXX XX/XX/XXXX EQUIFAX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX EQUIFAX
Product: Credit reporting or other personal consumer reports

You Violated the United States XXXX Law ( TILA 15 U.S. XXXX 1666 ( b ) billing error ). Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. XXXX 1666 ( b ) billing error.
Product: Credit reporting

XXXX XXXX Experian XXXX XXXX XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX THIS IS NOT MY ADRESS XXXX - REPORTED XX/XX/XXXX THIS IS NOT MY ADRESS ADDRESS : XXXX - REPORTED XX/XX/XXXX - XX/XX/XXXX PLEASE UPDATE MY ADRESS TO XXXX I BEEN LIVING THERE SINCE XX/XX/XXXX The itemslisted areclearly fraudulent ; therefore, I am requesting that they are deleted /blockedby name of source. In addition, A CRA must block the fraudulent informationand the victim must be identified within four business days after accepting his/her IdentityTheft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c- 2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blockingfraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX n accordance with the Fair Credit Reporting act XXXX XXXX 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute online to have items removed from my credit report which are incorrect and they continue to appear. One particular item was confirmed as being deleted on XX/XX/2020 but is still appearing on my report. 

XXXX Acct # : XXXX deleted XX/XX/2020 per credit bureaus but is still appearing on my account. 

Incorrect name : XXXX XXXX Incorrect employers : XXXX XXXX umemployeed Unauthorized inquiries : XXXX XXXX XXXX XXXX No knowledge of account/ account not mine : XXXX XXXX  XXXX Acct # : XXXX XXXX XXXX XXXX Acct XXXX XXXX
Product: Checking or savings account

Payment was sent to wrong person try to request money back multiples trys I was block and denied on XX/XX/2020 2 payment of {$200.00} from XXXX XXXX.i was told back and worth call ur bank to Dispute which I did twice I was denied again
Product: Debt collection

In XX/XX/2022 I reached out to The Capitol One XXXX Department about a fraudulent credit card debt that is on my credit report. I asked that I be provided with any signed documents, verifications and and authorizations that would prove this debt to be mine. In XX/XX/2022 they sent a letter stating that their research proves no fraud, however Ive opted out of all secondary reporting agencies so why wasnt I sent the documents that I asked for to show that this is my debt. I have exhausted all of my remedies to get this account taken off of my credit account.
Product: Credit card or prepaid card

AMEX account XXXX Take the money. We are suing you. You can not charge someone money for their own XXXX. AMEX has an obligation to not facilitate charges that are inherently illegal or based on fraudulent receipts to cover the source of the money. 

You have ruined our lives.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX  my mortgage was sold from XXXX XXXX to XXXX XXXX XXXX  My house was already in foreclosure due to unemployment and my husband not recieving XXXX for well over a year. Mind you XXXX XXXX always worked with me. This was our home that foreclosed on in XX/XX/2019. Sold without my knowledge even though I was sending them documentation proving unemployment and husband not working for over a yr. Trying to hold onto my home of XXXX yrs. So mail was late -- I requested short sale, no answer. Foreclosed improperly -- this is a third party predatory lender. So now we are tyring to get approval for new mortgage however old info on my credit report and my husbands. Showing {$6000.00} due from a mortgage that was in foreclosure so I was trying to send a few payments in but because mortgage was already in foreclosure from the yr prior. Oh after we had help from Illinois XXXX hit fund which picked up late or no payments due to PROOF OF NO INCOME. XXXX was useless not good customer service, never answered or helped. In fact I had to send in document 3 times but by then my home was sold and I received notice of it oh about XXXX weeks after the sale date. HORRIBLE. We now are sitting in a small apt in the worst part of town. We are XXXX I have lost so much. Its so bad. Thanks XXXX for all of your help. They love to put old ppl out on streets. we were XXXX
Product: Debt collection

My daughter was sued by a law firm representing XXXX. We hired an attorney, and 10 days before the four separate filed suits were to go to trial, XXXX 's lawyers non-suited them. There were statute of limitation issues and I am doubtful that XXXX could prove that they had a right to sue since they probably could not prove that they owned the loans. 

Now, XXXX has sent at least some of these loans to XXXX XXXX, XXXX, and they are actively attempting to collect. I personally received a phone call today, XX/XX/XXXX2017, from XXXX XXXX. They are also bothering my daughter. 

I thought this was the case : " The Consumer Financial Protection Bureau today took action against the XXXX XXXX XXXX XXXX XXXX and their debt collector, XXXX XXXX , XXXX, for illegal student loan debt collection lawsuits. Consumers were sued for private student loan debt that the companies couldnt prove was owed or was too old to sue over. These lawsuits relied on the filing of false or misleading legal documents. The proposed judgment requires an independent audit of all 800,000 student loans in the XXXX XXXX XXXX XXXX XXXX portfolio. It prohibits the XXXX XXXX XXXX XXXX XXXX, and any company they hire, from attempting to collect, reporting negative credit information, or filing lawsuits on any loan the audit shows is unverified or invalid. '' Seems to me that XXXX is already in violation of the CFPB order. Have they completed the independent audit?
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified credit bureau in XXXX of collection reporting and requested and investigation to be done as I was not aware and had no knowledge of company. I requested for validation of debt and also verification of debt they responding as debt was verified. I resent another dispute asking for verification and how It was verified no response. Sent same to company requesting same and original contract and documents of this debt and they did not respond into the third time and sent bill. That is not proof of verification nor validating this unknown debt belongs to me. As I sent another letter to the company and bureau requesting them to reinvestigate I still have no response to my investigation and the item is still reporting on my credit report.
Product: Credit reporting or other personal consumer reports

There are UNAUTHORIZED and FRAUDULENT inquiry on my credit report ( XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XX/XX/XXXX ). I am not the one who initiated the inquiry. I am submitting a complaint regarding this inquiry and for assistance to REMOVE it from my credit report immediately. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Checking or savings account

Bank of America has blocked all my access to banks. I cant open an account and I paid them what they charged me on XXXX XXXX XXXX and they didnt report that I had paid them. I still cant open an account with any bank and the one that was at XXXX XXXX XXXX was cancelled. I went and they did want to help me.
Product: Credit reporting

Equifax will not remove inquiries that were not allowed by me. I contacted XXXX XXXX and even received a letter advising Equifax to remove the inquiry. Contacted Equifax on XXXX ( before I received the letter ) XXXX, XXXX, and recently XXXX. Always receiving that inquries are a factual occurance and will not be removed, see attached letter from Equifax.
Product: Vehicle loan or lease

My complaint is about Ally 's unwillingness to help their customers when they are having issues making a payment. Let me preface this by stating I have perfect credit, I've always made my payments on time for all my bills. Unfortunately I was laid off my job a few months back and I continued to make my lease payments, I've been paying on this lease for about a year and a XXXX so I'm half way through the lease. I called Ally customer service and asked for an extension which the person I spoke with said they'd grant and everything was good. The following month I get an email stating my account is delinquent, I call and speak with collections who states they have no notes to show I ever called. They said they can offer me a 2 month extension, but the fee was {$800.00} dollars .... {$800.00} is more than a car payment and this is just a fee not even a payment. I don't have the money to make the payment is the issue and the company wants to charge a very excessive fee. Absolutely unfair business practices and predatory lending preying on those that are already struggling asking for assistance. I XXXX XXXX the vehicle, it has less than XXXX miles on it and has equity, but I can't even sale the vehicle because Ally wants to charge MSRP to anyone that is not the owner of the car. I asked about a lease buy out and they said it would be almost $ XXXX dollars, I only owe $ XXXX on the remaining lease payments. I spoke to the executive response unit after making a complaint and they were basically just another collection agent telling me how I agreed to the lease terms and could offer no assistance or empathy. I'd never do business with Ally again and don't suggest you to either.
Product: Student loan

Navient has been giving me the back and forth on loans that were with them. They told me my loans had been moved over to XXXX. However, two loans were left with Navient and the way I found out was by getting a XXXX point decrease on my credit score. 

From what I was told by Navient and the news of student loans being paused and loans being moved from under Navient to XXXX, I was under the impression that I would be paying XXXX. These payments havent started yet but Navient put a 120 day late on my credit. 

Please help. 

Attached is a copy of my account record on these accounts with Navient.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/2022 ; but I never received a response from them. These accounts must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

I have been requesting the Sun West Motg. Co to take off Mortg. Insurance premium as the ratio of residual loan and the house price satisfies the conditions. I have submitted the sale price of this complex to prove the facts. The Co is adamantly and unjustly collecting MIP every month.
Product: Credit card or prepaid card

This is further to my prior to complaints ( XXXX, XXXX ) where AMEX continue to decline that their agent on XXXX XX/XX/2022 promised to get my hard inquiry removed. 

Attaching automatically XXXX generated partial transcript of XXXX XX/XX/2022 with highlighted areas where the agent confirmed it. This is the evidence that Amex continue to ignore or deny