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

On XXXX i scheduled a transfer From savings to checking for XXXX For XXXX. 

On XXXX i discovered that my entire balance was transferred. 
I then called customer service And requested assistance to reverse the transfer and noted that it was scheduled for XXXX. 

I asked if any actions would result in any Fees. Customer service said that they would note the account about the problem and report technical problems. 

On XXXX bank charged my account a fee of XXXX. I. Then alerted customer service about the fee, and was told that they was not responsible for system errors. 

my satisfaction is that the bank Reverse the Fee, and fix their system as it relates to my account With a fee reversal. 

Account numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Spoke with the Kia Motor Finance ( KMF ) Company in XXXX of XXXX as the cosigner of auto lease and told them I would be taking over nonpayment of the lease as the primary party of lease whereabouts were unknown and to prevent default. Was not successful in making me primary on the lease as not KMF policy. Paid on lease until close in XX/XX/XXXX. Told by KMF that any fees would be addressed by dealer at time of vehicle return. XXXX, PA Kia stated no further charges and gave account closed paperwork and clean vehicle report. ( Attached ). KMF closed my account on or about XX/XX/XXXX with a XXXX balance. In XX/XX/XXXX my credit score dropped almost 100 points due to an unpaid balance owed to KMF of which I was unaware. I contacted KMF and they said they tried to contact the primary signatory party several times unsuccessfully. I told KMF they never contacted me. They stated by law they are not allowed to. I stated we had a contract, how could that be so, and if so, how could this end up on my credit report? KMF stated they are not legally allowed to leave a voice message, send an email, and they do not send certified letters. All letters sent to my address were sent in primary signatory party name to which the USPS will not deliver due to that person not living at the address and perhaps a change of address filed by primary party. I related to KIA that they had no problem contacting my by mail, phone or email for any other issue and that XXXX, PA KIA stated the lease was fulfilled. KIA would not remove the negative credit collection yet still wanted money for a charge I was unaware of. I have also sent dispute to KMF complaints.
Product: Mortgage

I am in receipt of HSBC 's response regarding account number XXXX, dated XX/XX/XXXX. In their response, HSBC has the audacity to state, " While in operation, it was the policy of HSBC to conduct its business in full compliance with the letter and spirit of the laws and regulations of every community in which it operated and to adhere to the highest ethical standards. HSBC does not participate in, support, or condone predatory lending and servicing ''. Really ... ... ... In contrary, headlines state differently as evidenced by such : XX/XX/XXXX. HSBC agrees to {$760.00} million settlement with DOJ over pre-crisis mortgages Plus {$26.00} million settlement with Massachusetts. many of these loans were presumptively unfair under Massachusetts law because they had debt-to-income ratios over 50 %, included substantial prepayment penalties, had loan-to-value ratios over 97 %, and included other problematic features. Case in point account number XXXX. Beneficial 's solution ; sell these toxic mortgages to XXXX XXXX XXXX, XXXX and others and offload the problems. HSBC continues to insufficiently address my concerns with my parent 's alleged enforceable loan. They have yet to explain to me on behalf of my deceased parents how the legal description in the loan documents does not match the alleged security interest they sold to a third party to avoid further scrutiny. Not to mention, addresses, zip codes, credit reports, appraisals and title searches contain numerous errors. Fraudulent and predatory to the core. I demand an investigation into these matters. Who did they sell my parent 's alleged loan to? Why has an assignment not been filed? Does my parents have any obligations to HSBC or XXXX XXXX XXXX at this point? Has HSBC conducted any investigation into the defective legal description noted in alleged loans dated XXXX, XXXX and XXXX? What have they done about it?
Product: Student loan

From XXXX, I took out Federal Student Loans for graduate school to complete my Masters in XXXX XXXX. One loan was subsidized totaling XXXX, one loan was unsubsidized totaling XXXX. They were serviced by Sallie Mae. I began repayment, following a forbearance, in XX/XX/XXXX. In XX/XX/XXXX, I enrolled ina program with a group call XXXX XXXX XXXX. They were going to assist me in preparing for loan forgiveness that I would be eligible for in XXXX. My loans were then transferred from Sallie Mae to XXXX XXXX. The XXXX XXXX virtually disappeared and I was not able to retrieve any of my payment hx information sent along to XXXX XXXX nor any evidence of their efforts to properly enroll me in the proper plan for eligibility for the forgiveness. On multiple occasions since XXXX - XXXX, I attempted to submit my own forgiveness plan applications and have been repeatedly denied. My loans were then transferred to XXXX. I have spent countless hours on the phone with eeach of these servicers and companies attempting to resolve these issues. I am still not able to resolve this. After paying these for XXXX yrs., my balances are still XXXX and XXXX, respectively. Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had received forbearance on my student loans through XXXX, but they refuse to update their reporting to indicate such. As per Section 623 ( a ) ( 2 ) of the Fair Credit Reporting Act and the FTC 's published opinion of that section, they are obligated to update that information. Forbearance acknowledges that no payments were due for that time period, and as per the FCRA and the FTC 's opinion on it's interpretation, XXXX must reflect that status with its reporting of me. I have received forbearance for the period of XXXX XX/XX/2019 as well as XX/XX/2019 through the current date, and have letters and documentation from XXXX indicating such. Despite trying to work with XXXX multiple times, they have not admitted this obligation due to me as a creditor and refused to accurately report these accounts. This is preventing me from finding housing and unfairly adversely affecting my life.
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  # XXXX Account Name : XXXX XXXXXXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXXXXXX # XXXX Account Name : XXXX XXXXXXXX # XXXX Account Name : XXXX XXXXXXXX # XXXX Account Name : XXXX XXXXXXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX  # XXXX Account Name : XXXX # XXXX Account XXXX : XXXX XXXX XXXXXXXX # XXXX Account XXXX : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX  # XXXX Account Name : 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 a 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 XXXX 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

The accounts was caused by fraud and I tried to contact the banks to dispute the issues. Dont know the amounts and the accounts was closed and I was placed in the XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are discrepancies on my personal credit report ( s ) that are in violation of my consumer rights. Please permanently delete and block the below accounts and inquiries from my XXXX, XXXX, and TRANSUNION credit report ( s ). These inquiries are fraudulent and unverifiable. 

Inquiries : 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  These inquiries are fraudulent, unverifiable, and in violation of consumer rights.
Product: Checking or savings account

On XX/XX/XXXX and XX/XX/XXXX I ordered some items from XXXX on my navy federal debit card ending in XXXX the items was pending on both days and my bank confirmed to seeing the money in the account and placing it on hold for the vendor to collect the funds. So the vendor which is XXXX collected the funds on XX/XX/XXXX and was paid and settled and delivered all my items to me on the XXXX and prior to the XXXX. Then on Monday XX/XX/XXXX my bank account navy federal took out of my savings account both transactions for {$190.00} and {$460.00} for the XXXX items that was paid and settled on the XXXX. Then they proceeded to say XXXX never came and got the funds in time before processing so they returned the funds to me but only returned {$400.00} when my items was {$460.00} and {$190.00}. Then XXXX stated I got charged twice for the items and my bank charged me for the authorization fees and my bank stated they never charge members for authorization that XXXX took the money so Ive been back and forth with both XXXX and my bank for 3 days now and neither parties want to take responsibility for taking money out of my savings account to cover something that was already paid for and settled on the XXXX. Both parties refused to return funds and they have caused me emotional distress and lost of wages because I missed work trying to get this situated bc they took from my bills
Product: Debt collection

Upon checking my consumer report, I have become aware of the many errors, including false and misleading information, these collection accounts are not meeting the credit reporting standards of reporting 100 % accurately. This has ruined my reputation, has caused embarrassment & XXXX  and is XXXX  my entire life by keeping me from getting new credit for personal, family, and household purposes. I respectfully demand the Consumer Financial Protection Bureau to enforce the deletion of these accounts.
Product: Credit card

Received notice of approval for credit card in the mail. Did not apply for the credit card. We called CapitalOne to notify them and they locked the account and did not send the cards. We belive this PII information was obtained via the local hospital breach at XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Midland Credit Management had been sending me correspondence for a year to collect a debt. I would call the company when contacted and try to work with the company to resolve the debt. The company was disinterested in resolving the debt each time I called the company. Ultimately, the company proceeded to send a claim to court, despite my ongoing attempts to resolve the debt. I called the company on XX/XX/2021 and the debt was ultimately settled for an amount of {$950.00}. A contract was signed to resolve the matter finally, between both parties. The following Monday and next business day after the claim was settled, Midland Credit Management proceeded to report to all credit bureau agencies false information, regarding an outstanding debt to their company from me, for an amount of approximately {$1500.00}. I proceeded to call the company 's lawyers to understand why this information was reported inaccurately to all credit companies when the matter had been resolved the week before ; additionally, the debt had never been reported to credit bureau agencies, as my records will attest, until the after the claim was settled, the week of XX/XX/2021. Ultimately, I called the lawyers of the company and the company itself to receive clarification for the false representation of the claim for a debt that had been settled, but I have been redirected 3 times to various phone numbers of the company which all led me back to the company 's lawyers once again. The company 's lawyers refuse to answer my phone calls and send me directly to message and I still have obtained no clarification, as to why a claim that has been settled out of court and has been negotiated for a year, is now being reported as outstanding from this week onward, when it was resolved the week before and is thus being falsely represented to credit bureau agencies.
Product: Debt collection

I e contacted United Revenue Corp through XXXX and disputed duplicate accounts for {$1000.00} on my credit report 3 times and is the same account and one for {$330.00} on the report twice with this same company. Ive requested the original docs with my signature showing the debt was owed and have received nothing and XXXX   has closed the dispute. My credit is being penalized because of 4 extra accounts showing that are actually duplicates.
Product: Credit card or prepaid card

capital one has been going back and forth on my credit report and putting negative information on my account. I file chapter XXXX and was discharge after successful completing my payments and capital one went on my credit report a negative remark. I went to chapter XXXX XX/XX/2015. Before I went I was making payments arrangement through XXXX and XXXX to pay capital one which they transfer the account to a third party. Once I went to BK they decided to comeback and update my credit report in a negative way. Its been 3 years and 2 months since I had a negative remark. They report recently and now I am a month since negative remark.
Product: Mortgage

XXXXenfed Credit Union XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Re : Error Resolution Notice under 12 C.F.R. 1024.35 I am writing to request correction of the escrow error described below in regard to the mortgage on my property. 

I have been notified by taxing authority that PenFeld failed to pay the following expenses from my escrow account : Property taxes : o Tax Year : XXXX o Taxes due XX/XX/XXXX : {$3000.00} o New total due ( with interest ) : {$3100.00} It is now 5 months late! 

Under 12 C.F.R. 1024.35, I am entitled to coverage of the interest and cost of any penalties imposed due to the late disbursement of tax funds. As of XX/XX/XXXX, this totals {$83.00} in interest, with interest continuing to accrue on the first day of the month. 

Under federal law, you must acknowledge receipt of the notice of error within XXXX business days. ( 12 C.F.R. 1024.35 ). You must also correct the error within XXXX business days or 45 days if you notify me of the extension and the reason for the delay before the end of the initial XXXX period. ( XXXX C.F.R. XXXX ). However, your prompt attention is appreciated as I have been notified that the delinquent real estate tax will be advertised in the newspaper if payment in full is not received by the Tax XXXX office by XXXX pm on XX/XX/XXXX. 

When I contacted PenFeld on XX/XX/XXXX, they were not able to let me know why my tax payment wasn't dispersed on time, nor when it will be paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

I am writing to formally request that XXXX XXXX XXXX XXXX cease all communication with me regarding the account ( XXXX ), as permitted under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ).

Under federal law, I have the right to request that you stop contacting me regarding any outstanding debt. This letter is not a refusal to pay any legitimate debt that may be due ; rather, it is a request to terminate all further communication. I ask that any future communication be in writing only, for documentation purposes. 

I am aware that under the Fair Credit Reporting Act ( FCRA ), I have the right to request that XXXX XXXX XXXX XXXX cease all reporting to credit reporting agencies regarding my account. Upon receipt of this letter, any continued communication from your office, including any form of reporting to the credit bureaus, will be considered a violation of my rights under the FCRA. I also consider such action as harassment and reserve the right to seek remedies as allowed by law Please be advised that failure to comply with this request could be seen as a violation of my rights under the FDCPA. If you need to contact me for legal reasons or regarding specific details about this account, please do so in writing at the address provided above. 

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

I have sent a dispute letter to the three credit bureaus ( Transunion, XXXX, XXXX ) XXXX & XXXX  has not responded My 1st dispute letter was sent XX/XX/20 They still have not removed nor responded to the items I have asked to be removed off my credit report.
Product: Prepaid card

To Whom It May Concern, I am writing to formally complain about a fraudulent issue that occurred with a XXXX XXXX XXXX XXXX I was gifted. The card was supposed to contain {$200.00}, and I received it on XX/XX/XXXX. Initial purchases totaling approximately {$20.00} were made successfully. However, subsequent attempts to use the card revealed that the balance had been depleted. 

Upon checking the transaction history, I noticed unauthorized transactions that were completed before I ever received the card. This indicates that the funds were stolen sometime between the purchase of the card ( between XX/XX/XXXX and XX/XX/XXXX ) and when I received it. 

I contacted XXXX 's customer service on XX/XX/XXXX, and was informed that I was not the only victim of such incidents. They acknowledged a broader issue and were supposedly processing refunds for those affected. I was assured that the matter would be resolved by XX/XX/XXXX. However, as of now, almost XX/XX/XXXX, my dispute has not been resolved, and my multiple attempts to contact them via email have gone unanswered. I have learned that other customers have experienced similar issues and lack of response. 

This experience has been a significant inconvenience and financial loss. Therefore, I am seeking assistance from the CFPB to investigate this matter further and to help facilitate a resolution. 

Thank you for your attention to this matter. I am willing to provide further details or documentation as needed to assist with your investigation.
Product: Debt collection

AS THIS IS A NEW YEAR I DECIDED TO LOOK AT MY CREDIT REPORT AND THIS IS WHEN I SAW MULTIPLE ITEMS ON MY REPORT THAT I HAVE NEVER BEEN A CONSUMER OF NOR HAVE I GIVEN WRITTEN CONSENT! 
NO CONSENT IS IDENTITY THEFT! 
XXXX XXXX XXXX XXXXXXXX XXXX {$450.00} XXXX XXXX XXXX XXXX  {$910.00} XXXX LVNV FUNDING LLC {$440.00} XXXX LVNV FUNDING LLC {$580.00} XXXX AND XXXX HAVE THE SAME ACCOUNT NUMBER ALSO XXXX & XXXX DO NOT HAVE A LICENSE TO ALLICATE BUSINESS IN MY STATE, TEXAS! WHERE I RESIDE.
Product: Vehicle loan or lease

I have a 2 party loan with XXXX XXXX. There is a deceased party on the loan since XXXX. The finance company was made aware of the issue, provided a death certificate in XXXX. 

The company has policies and procedures that they follow in regards to deceased borrowers. They are stating that due to the deceased borrower on the account their Customer Assistance team is not able to process a deferment on my loan. 

With my knowledge of working in the auto loan industry, a deferment can be processed for any borrower listed on the contract of the loan. Even when there is a deceased borrower on the account. I only have to provide them with notification of the deceased borrower which was completed in XXXX of XXXX. The vehicle is not on a single party loan and therefore I do not have to submit Fidicuary documents. 

On XX/XX/XXXX, I contacted the company and was denied the ability to process the extension due to the above scenario. I was advised that I would be contacted on XXXX by a manager that would ensure that the situation was resolved. No follow up happened from the company. 

XXXX I contacted the customer service department and information was collected, transferred to deceased handling that ensured me that I was eligible for the assistance. Transferred back to customer assistance team only to be denied of the assistance and the processing of the deferment due to the same error. 

I will now have my credit reporting hit for 30 days past due to unjust handling of my loan that is an error of the company. 
I feel that my loan is being discriminated against due to the deceased borrower and being handled with the fairness and consistency of other two party loans without a deceased borrower.
Product: Checking or savings account

A company set up a payment on the wrong date. I incurred XXXX overdraft fees on XX/XX/2018. As soon as I noticed I deposited the money on XX/XX/XXXX. I called to explain to bank. They reversed XXXX overdraft fee and refused to refund the XXXX fee even though it was not authorized on that date. I was advised I would have to dispute the transaction. I was not trying to go through all that since I just added the funds to cover the ach. I explained to them that I did not notice as I had just put my dog to sleep and checking my account was not a priority at that time. They had no empathy and even the managers were extremely rude.
Product: Checking or savings account

a fraudulent transaction of the amount of XXXX $ happened on my checking account on XX/XX/XXXX, I submitted a claim to bank of America and they responded to me today that they're unable to honor the claim, because this person transferred money from my account twice before and that means i authorized the payment. Those other two payments were fraudulent as well and since the amount was small on those 2 transactions I didn't notice nor file a claim.