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

I put a stop payment for progressive leasing and the funds still came out of my account for {$510.00} and I was charged {$20.00} for the stop payment fee. 
I am protected by the FDIC which my deposit insurance protects me as a customers in the event that an FDIC-insured depository institution fails. Bank customers dont need to purchase deposit insurance ; it is automatic for any deposit account opened at an FDIC-insured bank. Deposits are insured up to at least {$250000.00} per depositor, per FDICXXXXinsured bank, per ownership.
Product: Checking or savings account

Hello, I was scammed on the internet, the scam began in mid XXXX involving a lease agreement. the dates of the transactions are XXXX XXXX I used Capitol One to transfer money through XXXX ( I have the email address I sent the money through ) I transferred {$2100.00} to a person and soon after I realized I was being scammed. I called my bank immediately to try and stop the charge but it was too late so put in a claim, to which they denied because they claimed they " did their job '' by transferring the funds through XXXX. I filed a Police Report with the XXXX police department today, I can provide a report number if needed. I called my bank back to file a new claim today with the police report number, but the claims department told me they couldn't help me, no one in the department could because Capitol One and XXXX claim no responsibility for scams or having their customers backs. They offered me no other recourse except with the police. I asked to speak with a supervisor and they stated they would tell me the exact same thing. And XXXX would tell me a similar thing. I also put in a claim with the Federal Trade commission and received an email back with links to online shopping ( not helpful ) At this point this is my last ditch effort to get any or all of my money back I lost during this scam. So at this point my bank told me they can't help me, XXXX can't help me, and the other people that maybe can help is the police department. As a consumer, banking customer, credit card holder etc I am hoping that I can feel protected in some way regards to having been scammed and violated in this way.
Product: Mortgage

XXXX we closed on a home. The mortgage was sold to NewRez. There was an overpayment in escrow account. This summer I requested an audit. The audit showed that there was over payment. Since XX/XX/XXXX I have been attempting to collect the check for the over payment. Despite numerous phones call with New Rez they have not sent the check to us. Any help in resolving this issue would be appreciated.
Product: Checking or savings account

Bank illegally holding funds on XXXX XXXX funds where deposited into account was told that funds would be available XX/XX/2021. On XXXX XXXX Aprox XXXX an email was recieved late after the funds where suppose to be available. Notice was late and not reasonable notice of hold under regulation Federal CC having to due with check deposits holds. Further more deposit reason for hold was contact check maker which is not a reason to hold funds under Federal Regulation CC Talk to Check maker is not one reason to hold funds. To top the situation off Federal and state banking regulation as well as Federal Regulation CC The bank can only hold 5-7 days funds are being held until XXXX XXXX from XX/XX/2021 which is 9-10 days which is 2-3 days over allowable hold time.
Product: Credit reporting or other personal consumer reports

For months Ive been disputing this account for months and Ive been ignored and my rights have been violated. This also failure to comply with 15 USC 1681i ( a ) ( 1 ) ( A ). This is a violation of 15 USC 1601 ( a ) - The informed use of credit results from an awareness of the cost thereof by consumers and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I have files complaint after complaint, dispute after dispute and there is still NO RESOLUTION! I filed a FTC report because I have no recollection of this account. I reached out to XXXX XXXX because your reps said thats the only way and you lied!
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$7700.00}, {$6400.00}, {$4100.00}, {$19000.00}, {$36000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on  XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7700.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of $ XXXX-This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened onXX/XX/XXXX with a balance of {$4100.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 

5. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$36000.00} -This is not my account.
Product: Credit card

Maliciously and disgustingly, Bank of America closed my account because it had a promotional APR that they didnt want to honor anymore. This was done deceptively and out of malice even though my account was completely current. In order to perpetuate their deception they then refused to even answer my call- as if I was just a subhuman colored animal. This is a grossly deceptive business practice that Bank of America simply thinks they can get away with.
Product: Credit reporting or other personal consumer reports

unfortunately, I am a victim of XXXX XXXX XXXX XXXX XXXX. 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 victim determination letter according to 1022.142 ( b ) ( 6
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal request for a re-investigation of the accounts listed below. The previous items were claimed to have been accurate or verified. These are inaccurate and need to be corrected immediately. The payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or the companys customer service representative XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Citi card made payment to XXXX XXXX car which I did not authorize. This is what happened. 
I took rental car from XXXX after confirmed reservation from XXXX XXXX insurance. At that time I provided Citi card to XXXX in order to pay charges I agreed with XXXX which is " customer pay XXXX ''. Copy of receipt from enterprise is attached. However, in between liberty mutual refused rental ; I 'm working with XXXX on that and Citi has nothing to do with that. Since my agreement with XXXX was to pay only XXXX, Citi was not supposed to pay what I did not auth. It appears Citi sided with the merchant.
Product: Debt collection

LVNV FUNDING LLC IS REPORTING NEGATIVELY TO CREDIT REPORTING AGENCIES AND IS TRYING TO COLLECT A DEBT THAT HAS REACHED THE STATUE OF LIMITATIONS
Product: Credit card

When I use XXXX or XXXX to send money to other individuals, Barclays charges me {$10.00} " Cash Advance Fee '', even though clearly there is no cash involved. Since I have my payments processed automatically, I only noticed these fees today. It turned out, I was charged these fees 8 times this year! 
When I asked Barclay 's to explain why I was charged these fees, they referred me to their Terms & Conditions, which say " The purchase of money orders, traveler 's checks, XXXX XXXX, ATM transactions, cash withdrawn from a bank teller, foreign currency, lottery tickets, gambling chips, wire transfers, certified checks and third-party payments are treated as cash advances ''. However, Terms & Conditions don't say that XXXX and XXXX are classified as wire transfers. I only found out about it when I asked about the cash advance fee. How could I have known in advance that XXXX and XXXX transactions would be subject to those fees? This is absolutely unfair.
Product: Credit card or prepaid card

I have been trying to get ahold of the company for 2 weeks I'm out of work because of the virus. I made a good-faith effort of paying some of the bill this month and they charged me a {$28.00} late fee. In the past I have tried to get them to set up a program with me and they won't they won't answer my emails I I've been trying to call them and I just get booted off hung up on because they say it's too busy. I did some research and on the web it says that if you are persistent and call several times they will work with you and set up a lower monthly payment but they will not help me
Product: Debt collection

XXXX  are reporting unverified information on my credit report on this Capital One Bank # XXXX and the below creditors and this is causing injury to my person as I am not able to acquire new credit based on these false invalidated claims. 

Capital One Auto Fin # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX US Dept of Ed/XXXX # XXXX Us Dept of ED # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with XXXX from TransUnion about a credit matter two inquiries Of XXXX and XXXX, TransUnion customer service department did not help remove the negative inquiries that are reporting on my credit report
Product: Credit reporting or other personal consumer reports

Please remove fraudulent accounts and hard inquiries off my credit profile from Experian, Equifax, Trans Union Immediately! 

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: Credit reporting or other personal consumer reports

Hi, my report has credit inquiries which I don't recognize nor applied to, I did not give permission to these companies to pull up my credit report. I don't like my rights as a consumer being violated, and it's one of the few things I want to be protected, my life is already stressful as it is.
Product: Checking or savings account

I would be using my card for purchases like grocery shopping for just going to mall. The transactions would go through but navy federal would charge my card days after the transaction and charging me over draft fees
Product: Student loan

Hello-I need your help, I am being treated very unfairly by a student loan company called Navient. I feel as if they are committing fraud or that they have been ripping me off. This is regarding my private student loan accounts I have with them. Recently the accounts went from XXXX to Navient. My private loans total around {$14000.00}. My payments were on an interest only plan for quite sometime due to me extending my payments off until I could not anymore due to financial struggles. Meaning I paid only interest every month for years, not one dollar was going to my principle which I understood. Navient then tells me the interest loan repayment plan was over, and my payments would start going to my principle. When I got my monthly bill statement I noticed it increased from XXXX to XXXX. I called them immediately and told them I was a single mother of XXXX children and could not pay the full amount with the new increase. I told them I could not afford it and I needed them to work with me to get it down to what was paying which was XXXX. They went from one customer service agent to another, then to the supervisor because each one of them told me the same thing, they could not do anything for me. The supervisor told me the same thing as well, I had to pay the XXXX a month. I then asked lets say I was able to pay the XXXX a month thinking well I have already finished paying the interest only payments for a couple years maybe I will now be paying a lot more towards my principle, and finish soon, nope. ..he starts to tell me the contrary, that he calculated XXXX would go to interest and the rest to my principal, and according to his calculations the pay off time would be in 2028, 13 years from now. I explained once again my financial struggles and still he went on to tell me I should make my payment every month even if it is the {$150.00} or else they could garnish my checks. I told him how do you expect for me to pay your company the {$150.00} I can afford if your telling me that would not even cover my monthly accrual interest? I told him I would never finish paying you guys off then. He told me he understood but that there was nothing he could do for me and that I had agreed to all of it when the loan was given. Do you guys think this is fair? To make monthly payments of XXXX for the rest of my life and never have one dollar go to my principle? I need help, please refer me to someone, I am desperate. Thank you for your time. 

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

Late payments being reported on my credit report that's almost 4 years old. Needs to be removed as this is being reported and technically against the law. Please look below at 15 U.S.Code 1681a ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. 
( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
( c ) The term consumer means an individual. 
( d ) Consumer Report. 
( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. 


( 2 ) Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated In the exclusions it says in ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Transactions and experiences are meaning that of transactions and payments history
Product: Mortgage

First payment due on XX/XX/XXXX and it was made on XX/XX/XXXX ( early ). My XXXX payment was made on XX/XX/XXXX and an additional principal payment was made on XX/XX/XXXX. My XXXX payment was made on XX/XX/XXXX. 

Payment due date not updated upon transfer of mortgage from another lender to FMC. I sent several emails and made several calls with no resolution. I was told one of the payments I made was inadvertently added to the principal and it would be corrected by XX/XX/XXXX. I have been dealing with this issue since XXXX when I was told the loan was being sold.
Product: Credit reporting or other personal consumer reports

I have noticed a significant discrepancy between my credit scores from TransUnion compared to XXXX and XXXX. Despite positive changes being reflected on all three credit reports, such as the removal of a hard credit inquiry and a dropped-off balance, TransUnion has failed to update my credit score accordingly. For instance, as of XX/XX/2024, a hard credit inquiry was removed from my TransUnion report, and a balance owed to XXXX XXXX amounting to $ XXXX, was no longer my responsibility as of XX/XX/2024. However, while XXXX and XXXX have appropriately updated my scores, TransUnion has not reflected these changes.
Product: Money transfer, virtual currency, or money service

Hello, I have been contacted Grain since XXXX to get access to my account but it has not allowed me to do it. It keeps saying up to 5 days and it has been almost a month. They continue to take money every month for my payment but I cant see my account.
Product: Mortgage

I talked to Citizens prematurely when i inquired on programs if i were to miss a payment in XX/XX/2023. I was able to make XXXX payment and told Citizens to cancel my inquiry as i dont need help and don't need any assistance. 
Immediately i was bombarded with a loss mitigation status and am being sent foreclosure options even though im not late and told them. In XXXX they said don't worry about it and i replied, i am worried and don't need that on my record because im not late and don't want it. 

I just found out that even though i have never been late in my payments MY PAYMENTS ARE BEING APPLIED TO FOREBEARANCE INTEREST. 

Please help me to opt out and remove the forbearance as i requested removal from the citizen bank unemployment forbearance program because Citizens is charging extra compounded interest. 

i need to have this entire loss mitigation removed and my account corrected. I need my mortgage account to be reviewed for accuracy. 
For months i have been fighting this and I thought it was over but when i went to pay extra on escrow i was told my account is in forbearance and that i wasn't permitted to do that. 
I called around and someone in Loss Mitigation helped me thru making an escrow payment. 
However i don't think it was applied correctly since i am coded in their system as being in forbearance. 

I am experiencing collection/loss mitigation calls and solicitation to foreclosure options and its not fair they are charging me forbearance interest and wont allow me the option to opt out. I never wanted any program and should have the right to opt out after months of calls to them. I have never been late and thought it was easy to correct this forbearance issue. 

For months i have been fighting this and need fairness and integrity. 
MY PAYMENTS ARE BEING MISAPPLIED TO FOREBEARANCE INTEREST due to the unemployment forbearance that they wont remove. 

I cant get get a loan. My credit has been affected from Citizens putting this on my credit report. 

There are ample notes in their system that i have called and canceled this inquiry on the unemployment forbearance in XXXX. 
XXXXI can't afford to pay the balance that will become due at the end of the forbearance period and need the payment applied correctly and not towards forbearance.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor 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 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

the account was paid directly to XXXX  XXXX in a settlement, and XXXX XXXX XXXX has it listed on my credit report as a debt. when its paid
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending numerous letters to the Credit Bureaus for them to remove the accounts and information that resulted due to the theft of my Identity. I started send in Dispute letters to the Credit Bureaus on XX/XX/2022 until XX/XX/2022 with complete attachments of my Personal information, but despite all my efforts, the Credit Bureaus seemed to ignore my appeals and neglect their duty to comply with the FCRA section 605b. In my Previous letters and complaints, I am requesting that the Credit Bureaus investigate and verify the accuracy of the items I am disputing by providing me with documents which bear my Signatures. Since then, I have been waiting for them to respond to my letters regarding then investigation and the documents I have been requesting, but after a time of waiting, the Credit Bureaus sent me nothing. The Credit Bureaus are given ample amount of time to do and finish their investigation but their investigation had done nothin to correct my Credit File. Now, I am submitting this complaint to urge the Credit Bureaus to remove the disputed items with or without proper investigation since the time allotted for the Credit Bureaus to conduct their investigation is already over. Once again, I AM REQUESTING THAT THE CREDIT BUREAUS REMOVE THE FOLLOWING ITEMS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX : {$15000.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX  XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX Balance XXXX {$780.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX : {$1000.00} XXXX XXXX XXXX Original Creditor : XXXX ) XXXX Balance XXXX {$23000.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXXXXXX Balance : {$1500.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX XX/XX/2022
Product: Credit card

XXXX XXXX at GRT Financial , Inc. XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX, MI XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, http : //www.grtfinancial.com contacted me by phone and offered me a credit card modification debt reduction, but I gathered that GRT Financial is not licensed in Connecticut.