23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

To whom it may concern : I had a XXXX XXXX auto loan that was charged off in XXXX for a balance of approximately $ XXXX. Sometime late XXXX I contacted XXXX XXXX to negotiate a settlement. A verbal agreement was reached, but no payment or document was signed. Personal circumstances would n't allow me to fulfill the agreement, I called and informed them. The rep. told me to call back if my situation improved. This XXXX I received notification from my XXXX credit tracker accounts that stated a charged off account from XXXX XXXX was reported to my credit reports, the balance was for over $ 18k. 

I called XXXX XXXX and received an automated response that no one could speak to me. 

I filed a complaint with CFPB, and informed them of my situation. 

I was contacted by XXXX XXXX, see reviewed my complaint and the supporting documents I submitted. She stated that XXXX XXXX 's records do n't show they 're reporting a charged off balance of $ XXXX, but for only $ XXXX. XXXX closed my complaint as it being resolved. Soon after I pulled my credit reports and they showed a balance of $ XXXX. I contacted XXXX, informed her of my finds, and provided a copy of my credit report. She told me she would review it. I updated my CFPB compliant that my case was not resolved and sent a copy of my credit report. 

A week after I provided XXXX with my new credit report, she contacted me and stated that the balance of $ XXXX is correct, because in XXXX XXXX, the credit reporting agencies made a change that requires creditors to include interest and fees of past charged off accounts. I asked XXXX to send me a letter that highlights what she stated to me. She agreed. I followed up with an email asking her to send me the letter. I 'm currently waiting on the letter. Also, I called CFPB and updated them on my case. I was asked to call the credit reporting agencies to see if what XXXX XXXX said was true. I was only able to speak to a rep. from XXXX, the rep said it was not true to his knowledge, they only report want the creditors ask to be reported. 

I 'm not sure how many others may be effected by this practice, if it is indeed improper reporting. 

Note : The case number for my previous CFPB compliant is : XXXX. The pass code to open the PDF file is XXXX.
Product: Checking or savings account

I spent over an hour trying to close my money market and checking account. They told me I have to transfer the money out of my accounts before they would close the accounts. I attempted to do this and I was unable due to the suspension they decided to put on my account. Before I called them there was no suspension on my account and no reason for a suspension. I called back and asked them to just close both accounts and send me my money via cashiers check. They refused to close the accounts, refused to remove the suspension and asked me to call back a few days later to " try again ''. I asked to be transferred to the next level manager to help me resolve. Suspect this person was just another call center employee because they just repeated the same info back to me and refused to help me saying to just call back another time. My money now is unable to be transferred and I'm unable to close my accounts. The bank has the ability to close them but are purposely refusing to do so and holding my money hostage. I refuse to repeatedly call them hoping they do their jobs and provide this required service.
Product: Credit reporting, credit repair services, or other personal consumer reports

Take a look at this info : It was already deleted by XXXX at one point and I still have an account with them which is and has been in deferment! Please delete late and stop holding me as a consumer back.
Product: Credit reporting or other personal consumer reports

I'm reaching out to dispute several inaccurate details on my Equifax credit report that could significantly harm my credit. My correct legal name is XXXX XXXX XXXX, but Equifax lists the incorrect name, " XXXX XXXX. '' The employer listed as " XXXX XXXX '' is wrong and should be " XXXX XXXX XXXX '' These mistakes have caused me considerable stress and concern, as they damage my financial reputation and raise worries about identity theft. These errors could negatively affect my credit, and I believe they violate the Fair Credit Reporting Act, which requires that credit reports be accurate. I'm requesting that these issues be corrected immediately to ensure my personal information is accurate and up to date, and that an investigation is conducted to determine if fraud is involved.
Product: Vehicle loan or lease

I was approved for a loan to purchase a XXXX XXXX XXXX XXXX XX/XX/XXXX. I paid off this loan in XXXX of XXXX. I did not realize I needed to transfer the title after doing so. I was under the assumption that the title would be released by the MotoLease , LLC, the finance company. Fast forward to modern day, I am attempting to trade in that vehicle and I have lost the title. I have been trying to contact XXXX, since XX/XX/XXXX, attempting to resolve this matter. Over the ensuing 6 days, I have been transferred to different departments, been hung up on, not had calls go through, but overall have been given no resolution, timeline or even spoken to the right people to get that resolution. I have exhausted every possible effort with this company and will soon seek counsel. This is negligence on their part in the least. I just want my title released so I can get this taken care of. This should be a simple clerical effort on their part, but they won't even get me to the right person to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have a debt collection on my credit report from an account thats not mine. It appears to be from a utility service through XXXX. The time frame specified for service is not applicable to a period where I had service.
Product: Credit card or prepaid card

SUMMARY : BANK OF AMERICA REFUSED TO TIMELY DEPOSIT MY BENEFIT FUNDS FROM THE CALIFORNIA EMPLOYMENT DEVELOPMENT DEPARTMENT INTO MY ACCOUNT, AND IS ALSO REFUSING TO COMPENSATE ME FOR LOSSES DUE TO THAT FAILURE. 

DETAILED NARRATIVE : THE CALIFORNIA EMPLOYMENT DEVELOPMENT DEPARTMENT ISSUES BENEFIT PAYMENTS VIA A BANK OF AMERICA PREPAID DEBIT CARD. THE PREPAID DEBIT CARD PERMITS FUNDS TO BE DEPOSITED INTO A SPECIFIED CHECKING ACCOUNT ON DEMAND VIA ACH. 

I INITIATED AN ACH FUNDS TRANSFER VIA THE WEBSITE ON FRIDAY, XX/XX/2019, BUT BANK OF AMERICA REFUSED TO COMPLETE THE TRANSACTION. I AGAIN TRIED ON XX/XX/2019. BANK OF AMERICA AGAIN REFUSED TO COMPLETE THE TRANSACTION. 

I CALLED THE PHONE NUMBER ON THE BACK OF THE CARD TO REQUEST THAT THE TRANSFER BE COMPLETED. THE REPRESENTATIVE ALSO REFUSED TO INITIATE THE TRANSFER, STATING THAT THERE IS A MAXIMUM DOLLAR AMOUNT THAT CAN BE TRANSFERRED IN A SEVEN CALENDAR DAY PERIOD. 


A DOCUMENT ENTITLED " CALIFORNIA EMPLOYMENT DEVELOPMENT DEPARTMENT DEBIT CARD ACCOUNT AGREEMENT '' WAS PROVIDED WITH THE PREPAID BENEFIT CARD I RECEIVED. I CAREFULLY REVIEWED THIS AGREEMENT IN ITS ENTIRETY. NO SUCH MAXIMUM DOLLAR AMOUNT PER SEVEN CALENDAR DAY PERIOD LIMITATION IS SPECIFIED IN THE ACCOUNT AGREEMENT FOR ACH TRANSFERS. THE ONLY DOLLAR AMOUNT PER TIME PERIOD LIMITATION SPECIFIED IS A DAILY {$1000.00} ATM LIMIT. 

I SPOKE WITH THE REPRESENTATIVE 'S SUPERVISOR, XXXX XXXX IN XXXX TEXAS. XXXX CONFIRMED THAT BANK OF AMERICA WILL NOT COMPLETE THE ACH FUNDS TRANSFER I REQUESTED DUE TO A SEVEN DAY TRANSFER LIMIT, DESPITE NO SUCH LIMITATION APPEARING IN THE ACCOUNT AGREEMENT. 

I ALSO REVIEWED THE ACCOUNT AGREEMENT WITH XXXX. I EXPLAINED THAT SECTION 12 OF THE AGREEMENT STATES : " IF WE DO NOT COMPLETE A TRANSFER TO OR FROM YOUR ACCOUNT ON TIME OR IN THE CORRECT AMOUNT ACCORDING TO THIS AGREEMENT, WE WILL BE LIABLE FOR YOUR LOSSES OR DAMAGES. '' I ASKED WHETHER BANK OF AMERICA WOULD COMPENSATE ME FOR MY LOSSES, INCLUDING LOST INTEREST. 

XXXX DID NOT AGREE THAT BANK OF AMERICA WOULD COMPENSATE ME FOR LOST INTEREST FOR FAILURE TO COMPLETE THE REQUESTED ACH FUNDS TRANSFER ON TIME. HE FURTHER DID NOT PROVIDE ME ANY OTHER WAY TO REQUEST SUCH COMPENSATION. 

I INFORMED XXXX I WOULD BE FILING A COMPLAINT WITH THE CFPB, DUE TO BANK OF AMERICA 'S FAILURE TO COMPLY WITH THE ACCOUNT AGREEMENT. 

AT THE END OF THE CALL, XXXX OFFERED TO PUT ME IN TOUCH WITH A SEPARATE DEPARTMENT WHICH WOULD OPEN AT XXXX THE FOLLOWING DAY, WHO MIGHT BE ABLE TO ASSIST ME FURTHER. I GAVE HIM A CALLBACK NUMBER, AND WE MUTUALLY AGREED THAT I SHOULD EXPECT A CALL BACK BY THE MIDDLE OF THE NEXT DAY. 

I DID NOT RECEIVE THE RETURN CALL AS EXPECTED.
Product: Debt collection

Upon reviewing my personal credit report i found innacuracies. An account called Enhanced recovery with an original creditor called Charter communications, I have no knowlege of and does not belong to me is being reported to my XXXX reporting. A collection is by " DEFAULT '' past due and therefore listing a past due amount is innacurate/error. Also this collection is listed an " OPEN ACCOUNT '' which is not under the FCRA compliance. This reporting is innacurate and needs to be removed immediately
Product: Bank account or service

Applied for a Citigold account with CitiBank during their promotion with which I received a promotional code ( XXXX ) corresponding to a XXXX XXXX XXXX miles reward, called CitiBank 's customer service line and applied over the phone using, receiving verbal confirmation that I was eligible for the reward. I was then approved for the account, fulfilled the requirements of spending more than {$1000.00} using a debit card linked to the account, and two bill pays spanning two separate months. I logged on and spoke with another representative to ensure I met the requirements successfully and to confirm when I would be receiving the reward upon which I was informed I would receive them no later than XX/XX/2016. It has since been nearly a month since that date and I have yet to receive the corresponding reward miles. I am fairly frustrated that I have been misled in applying for this account, under which the bonus was a key interest point in my applying for it. I hope this can be resolved soon as little progress has been made from CitiBank 's side.
Product: Checking or savings account

Called Capital One Bank around the first of XXXX, XXXX to learn what happened to my money in my savings account with ING DIRECT which a summary of my account with ING dated XXXX showed a balance of {$50.00}. The person answering the phone at Capital One discovered that ING DIRECT which had been bought out by Capital One, had deducted {$25.00} as a dormant charge on or around XX/XX/XXXX and subsequently in XX/XX/XXXX sent the balance of my account to the State of Oregons unclaimed property department. I did not know of any dormant charge policy by ING DIRECT and had they sent me a notice to my address which they had on file, of money from my account going to unclaimed property in OR, I would have taken care of the situation. Now I have to go through the hassle of filing forms and getting OR to send me the money they owe me. 
I was told by Capital One customer service folks that if I open an account with them, they would refund me the {$25.00} dormant charge. On XXXX, I spent 1/2 hour on the phone with 4 different persons putting me on hold and transferring me to different departments to try and get me some help. The last person I spoke with said there was nothing he could do to help me recover my {$25.00} and would not transfer me to someone who had the authority to do so. Even after I read him an email from an employee there ( XXXX ) who said if I open an account with Capital One, they would refund me the {$25.00}. The 1st 3 persons I was hooked up with did not seem to understand about ING DIRECT being bought out by Capital One and did not understand what a savings account was.
Product: Credit reporting or other personal consumer reports

This company violates 15 U.S. Code 1692f - Unfair practices, 15 U.S. Code Subchapter V - DEBT COLLECTION PRACTICES, 15 U.S. Code 1692 - Congressional findings and declaration of purpose, 15 U.S. Code 1692j - Furnishing certain deceptive forms, 15 USC 1681b : Permissible purposes of consumer reports From Title 15-COMMERCE AND TRADE CHAPTER 40-DEPARTMENT OF COMMERCE SUBCHAPTER III-CREDIT REPORTING AGENCIES , 15 U.S.C . 1635 Right to Rescind. THESE COMPANIES HAVE MY PERSONAL INFO AGAINST MY WILL OR MY CONSENT, please provide my signature giving these companies consent to have my info.
Product: Student loan

I mailed XXXX 2 notices via certified mail about an alleged debt. The first letter was mailed on ( XX/XX/2021 ) & I asked XXXX for the original instrument of indebtness so I can make arrangements for this matter. They did not respond to my first letter so I mailed them another notice via certified mail on ( XX/XX/2021 ) which they did receive but I never received a response to that notice as well ( Certified Tracking Number : XXXX ). Even though they did not respond to my letter they continued update my consumer credit reports by removing missed payment history, and still reporting these accounts to the consumer reporting agencies.
Product: Debt collection

Had a XXXX mortgage with XXXX Mortgage and had a XXXX with HFC/HSBC. Did a consolidation of the XXXX and XXXX in XXXX with XXXX which turned out to be a fraud predatory lenders loan. Even though this loan almost put me and my wife into bankruptcy in XXXX XXXX, and XXXX file foreclosure in XXXX XXXX. On XXXX XXXX me and my wife send XXXX XXXX XXXX a letter in pursuant to Section 6 of the RESPA. 
Demand was made for all records electronic or otherwise, assignment of ours mortgage, promissory note or servicing rights to our mortgage including any such assignment on MERS. 
All deeds in lieu, modification to our mortgage, promissory note or deed of trust from the inception of our loan to the present date. 
The front and back of each and every canceled check, money order, draft, debit or credit notice issued to any servicer of this account for payment of any monthly payment other payment escrow charge fee or expense on this account.H XXXX did not send us the proper answers back for our request. 
Me and my wife chose to go through the state of XXXX foreclosure mediation program in XXXX XXXX and out of the mediation XXXX agreed to do a short pay off of the mortgage to us for a {$150.00}, XXXX out of the {$330000.00} that we owed with no deficiency. XXXX refused to refinance the loan and Our credit was ruin because of the foreclosure procedures that we had went through. On XXXX XXXX, XXXX we received a recorded release of deed are canceled mortgage from the documents released administrator in referenced to about loan # XXXXhas been paid in full through our company. XXXX XXXX Mortgage. Also enclosed in the papers was a Substitution of Trustee and Deed of XXXX. This was recorded in the XXXX County Courthouse recorders office given XXXX XXXX XXXX and XXXX XXXX XXXX husband and wife as joint tenants with Right of Survivorship. 
( Inst # XXXX ) We also have the original Deed of trust ( security instrument ) Have not made mortgage payment since XXXX XXXX XXXX have sold the loan to caliber home loans in XXXX XXXX. 
Have a recorded document XXXX County from caliber home loans notice of breach in default and election to sale inst # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a XXXX XXXX XXXX XXXX  for years. It had a zero balance for a few years until XX/XX/2018. I purchased two pairs of shoes and they raised my credit limit to {$4500.00} from {$1500.00}. They had changed my account number due to a fraud alert a while back, I never received my new card. I called XXXX  in XX/XX/XXXX to get the correct account number because I could not find my card and they told me the could not give it to me over the phone. I requested a new card to be sent to me. I also gave them my new mailing address to send the card and I never received it. 
I made my first payment via phone on XX/XX/2018 was for {$500.00}. I had to call in the payment because I did not have the correct account number to pay via my bank. Then I was at XXXX in XXXX XXXX at the XXXX store in XX/XX/XXXX. I purchased another pair of shoes and asked the associate to write down my account number because I still didn't have my new card. He did and I added it to my bill pay via XXXX. I sent a payment through the bank on XX/XX/2018 for {$1500.00}. Then about a month later I got a 31 point hit on my credit report because I was late on my XXXX XXXX payment. I looked at my bank and it said the check was processed for {$1500.00} and they gave me the check confirmation number but it had not been cashed. At this point I called XXXX  and they said I was 31 days late and they didn't receive the payment. I read them my account number the associate in XXXX wrote down for me and they said it was incorrect, I again asked fro a new card, told them I never got the last XXXX I requested. I made sure they had my correct address again and I still have yet to receive it on XX/XX/2018. I told them I had the check confirmation number that XXXX sent to them to prove I made or attempted to make a payment. They said they can send it to disputes to see if they will remove the credit hit and they denied me the credit fix. I have had to call every month to make a payment. I have now spoken to a person via phone twice to request a new card and haven't received it. I made another payment on XX/XX/2018 and XX/XX/2018. 
I make my payments on time and I have tried to resolve this issue by requesting a new card twice so I can get the correct account number. I have asked the sales associate to write my number down and it was wrong. I called and explained what happened, I had proof from my bank I attempted to make a large payment to them. My credit was excellent and the hit took me to a good rating. 
I am hoping that XXXX  will look back at my payment history and all that I have done as the consumer to get the proper account number and to make sure my bill is paid and fix my credit issue. 
Thank you, XXXX XXXX
Product: Payday loan, title loan, or personal loan

Dates when Im supposed to pay the loan : XX/XX/XXXX {$250.00} XX/XX/XXXX {$250.00} XX/XX/XXXX {$250.00} XX/XX/XXXX {$250.00} XX/XX/XXXX {$250.00} XX/XX/XXXX {$82.00} XX/XX/XXXX {$250.00} XX/XX/XXXX {$250.00} ** I tried talking to them last XX/XX/XXXX because they sent my loan to Wage garnishment and they said all they can do is XXXX dollars every two weeks. I agreed but I am now struggling to pay this amount.. I also think that its unfair that I took out a loan for XXXX dollars in XX/XX/XXXX and still needs to pay XXXX dollars until XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a XXXX determination letter according to 1022.142 ( b ) ( 6 )
Product: Credit reporting or other personal consumer reports

I AM VERY STRESSED OUT. I recently did an investigation on my credit report and I am verifying that these NEGATIVE accounts are not mines. 
Under the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. You are reporting fraudulent accounts that are not mine, which is infringement of my privacy. Congress says I have a right to decide what I deem private. I deem that these NEGATIVE accounts to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT. FDCPA 807 states that these NEGATIVE accounts are misleading false reporting.

Under 15 USC 1681b - permissible purpose of consumer reports. THE LAW STATES ( a ) In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 6802 - I have the right to opt out of any information shared to a financial institution, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice, which I have not received.

******IMPORTANT****** PLEASE DON'T RESPOND TO MY REQUEST SAYING THAT THESE ACCOUNTS ARE VERIFIED BY THE INFORMATION PROVIDER, SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and Transunion are listing information in my report that is not mine. I have previously disputed this, but nothing was fixed and removed. I filed an Identity Theft Report with the FTC for the accounts listed below, and inquiries listed below, and want these erroneous accounts removed asap please due to the harm it is causing my credit reports and score and financial well being. 

Erroneous accounts needing to be removed : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX   Inquires needing to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consolidated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Personal Info that needs to be deleted : Address XXXX XXXX XXXX XXXX, XXXX, UT XXXX
Product: Vehicle loan or lease

Because of the coronavirus I am not able to pay the car loan at this time. I am a senior citizen with serious underlying medical problems : XXXX XXXX XXXX and having been treated for XXXX XXXX. I do not bank online. The CDC and The White House Coronavirus Task Force wants me to social distance myself and so I can not go to the bank. The drive-up is no good because car loan payments may not be made there. I will not enter the bank to go to the ATM machine! It would be most cruel of the Bank of America not to honor my request at this time of growing threat of the coronavirus, especially for me who is in the high risk category!
Product: Credit card

Please call me as this is complex. I settled a high balance credit card in good standing, all was fine and I was supposed to get a reimbursement check for overpayment. I didnt receive it, and when the reprocessed it I got the check but overplayed. Then they told me all was fine and sent me all official papers confirming it again. The problem is that now it has affected my credit and they say I owe that $ XXXX. Ive spent months in the phone, they say all is fine? But it isnt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXXXXXX XX/XX/XXXXNA Account # XXXX is reporting as an delinquent account that I have for over 5 years with no late payment and this is inaccurate. I have never missed a late payment within the 5 years I have had this account so for the Late payments on XX/XX/2018, and XX/XX/2018 marked as 30 days and 60 days late respectively has to get updated across all 3 bureaus and reported right as this is inaccurate and all inaccurate, wrong reporting information has to get removed from the credit report according to the FCRA. See attached documentation.