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

In XXXX we purchased a timeshre with XXXX, i paid XXXX dollars on my debit card and XXXX dollars cash. 1 week later we decided not to keep the timeshare and cancelled it. We were told it was cancelled and would recieve a full refund. On XXXX a payment fro XXXX dollars was taken out of the account for the timeshare. At this point we made a dispute for both transactions adn got a temp credit from USAA for XXXX and another for XXXX several days later XXXX gave us a credit fro XXXX dollars and said that this was for the deposit that the remianing XXXX would be credited back once they recieved a tablet they gave us and told me that the payment fro XXXX was never issued to them. They sent me a statement where it shows they recieved the payment and same day the funds where pulled back.I told the bank thatthey had the dispute worng and that the refund recieved was indeed for the deposit as XXXX didnt recieve the XXXX paymnet. They said they would update the dispute and i had to wait. after several weeks of back and forth and me calling every week they went ahead and closed my case. The bank is sayign that the XXXX dollars recieved by XXXX were for the monthly amount taken in XXXX and that the payment made fro XXXX could not be disputed as it was past the 30 days. I am still short XXXX and the bank says its not on them.
Product: Credit reporting, credit repair services, or other personal consumer reports

accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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: Checking or savings account

I was a Regions Bank customer for 7 years. They ripped me off for 7 years with overdraft fees. I don't have dates or an account number I just want to be sure my name is listed in their lawsuit because they owe me so much money. My account was under XXXX XXXX.
Product: Credit card or prepaid card

On XX/XX/XXXX, CapitalOne sent me a text message that is suspicious transaction about my card ending in XXXX. 
" Hi, it 's Capital One. Di you just spend {$640.00} at XXXX XXXX XXXX w/ card ending in XXXX? Text CONFORM if yes or DENY if no. Std carrier chrges apply '' I replied " DENY '' Then, I got confirmation text message from them. 
" Got it. We 're stopping all purchases on your card. Sign in to start your fraud claim now : XXXX XXXX XXXX XXXX  carrier chrges apply '' So, I thought that problem was resolved because Capital One detected the fraud and stopped it. 
On Posted transaction of capitalone oneline, it shows a transaction {$640.00} at XX/XX/XXXX and a transaction - {$640.00} at XX/XX/XXXX. 
So, I thought that is good. 
But, later, I got a mail to say that I should pay {$640.00} because CapitalOne found no indications of fraud. 
And I checked my XXXX account, there shows a XXXX  Tracking XXXX which delivered something to XXXX XXXX, NJ and signed by XXXX ( I have no idea who it is ). 
I tried to contact CapitalOne about this fraud problem. But, there is no message or email on their website. And, when making phone call, I waited long time and they just keep transfering my call to another person without resolving the problem.
Product: Debt collection

I keep receiving emails with my personal information from a XXXX XXXX stating that I owe them money XXXX XXXX
Product: Mortgage

RE : XXXX XXXX and XXXX XXXX XXXX XXXX XXXX av XXXX, Il XXXX Account # XXXX ( XXXX ) XXXX To whom it may concern, XXXX XXXX XXXX XXXXXXXX XXXX, We received a Loan Modification from XXXX XXXX, Making XXXX the Noteholder and XXXX XXXX XXXX XXXX XXXXXXXX, then XXXXXXXX XXXX XXXX XXXX  was closed By the XXXX, and the FDIC was made the Receiver, and XXXX XXXX XXXX XXXX  was the Servicer, then XXXX XXXX XXXX XXXX Parent company of XXXX XXXX XXXX filed Bankruptcy, XXXX XXXX  then sued FDIC as the Receiver XXXX XXXX XXXX XXXX and XXXX XXXX XXXX Bank as the Purchaser, but XXXX XXXX XXXX XXXX Counter sued and after several court cases it was determined that, XXXX XXXX  was the owner over XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX as insurer. ( XXXX Proof of Claim ) XXXX XXXX XXXX XXXX becomes Trustee over XXXX XXXX XXXX XXXXXXXX as part of reorganization cancelled and extinguished all Securitized bonds, After the certificates was written off no one repurchased our note from our Noteholder XXXX. We have been working with XXXX XXXX XXXX, trying to get Lien Release, But, Servicer SPS refuse to remove Lien. 

Thanks XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have a bank account open with XXXX XXXX I have my XXXX XXXX  account link to my XXXX card account On XXXX XXXX someone withdraw fund from my XXXX account to my XXXX first transcation was of {$200.00}, second transcation was of {$600.00} third transcation was of {$990.00} then for XXXX XXXX  the transfer the money to another XXXX XXXXard which i dont know the person i i didnt do it after i was everything I call the bank made the complain they give reimburst that money back. On XX/XX/year> the back came a took back all the money they had reimburst whick left me With an overdraft XXXX i cant the back again did another complain they never reimbursted the money back an left my account over draft which i had to pay that money back to keep my card actived which i never did those transcatio i reported XXXX too and they say i was victim of fraud but not even XXXX gave me my money back and I dont think that i had to Pay all Of that money that was taken from my account which i never did does transcation
Product: Credit reporting or other personal consumer reports

Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 
Inquiry from XXXX XXXX on XX/XX/XXXX.
Product: Credit card or prepaid card

On XX/XX/XXXX some applied for a credit card through an airline credit called XXXX with the lender of Bank of America. I noticed this on XX/XX/XXXX. I have called all 3 credit bureaus freeze my credit with all 3 froze my credit cards I have on hand. I have called Bank of America to cancel the credit card.
Product: Credit reporting or other personal consumer reports

The following accounts are violating my consumer rights. Pursuant to 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. The following accounts are opened ended credit plans and shall be updated the to show as 100 % paid on time 1. XXXX XXXX  Account XXXX : XXXX 2. XXXX XXXX  Account XXXX : XXXX 3. XXXX XXXX XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In according with the fair credit reporting act XXXX XXXX acct # XXXX has violated my rights. And XXXX XXXX XXXXXXXX account XXXX XXXX, has violated my rights. 15 U.S.C. 1681 Section 602 A states I have the rights to privacy. 15 U.S.C. Section 604 A Section 2 states also consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 166b ( A ) creditors may not treat a payment on a credit account under an open end consumer credit plan as late for any reason. 

My position as a disabled consumer : I had been denied credit by creditors, due to inaccurate/ fraudulent reporting by Experian. The XXXX XXXX collection is for XXXX account opened by identity theft, in my birth name XXXX XXXX. In which I haven't used since married in XX/XX/XXXX. 2 years of late payments being reporting with this account. XXXX XXXX XXXX  XXXX credit card account, that I opened in XX/XX/XXXX. Was paid in full and I requested by phone to close credit card account, due to incorrect billing by XXXX. It reporting XXXX late payments on this closed account.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX customer, and they have not updated my balance with the credit bureaus XX/XX/2023. I have spoken with customer service and sent emails to customer service, and they have not fixed the issue. I opened disputes with all three credit bureaus with no resolution. Experian contacted XXXX XXXX after I opened the dispute in XXXX of 2023, and whomever they spoke with falsely stated that the balance that was last reported is correct and up to date. This has consistently kept my credit usage at 99 %, when the card has consistently had less than 99 % usage since XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many accounts which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 
XXXX XXXX Balance : {$5300.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1300.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Mortgage

Regions Bank failure to recognize insurance coverage and purchasing backdated insurance coverage. 

See attached documents outlining the issue and steps taken to resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted this complaint to update this suspicious information. Credit Bureau must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Nelnet has manipulated my application for XXXX twice and they are now blocking my enrollment into XXXX for all XXXX of my loans. 

On XX/XX/year>, I applied for IDR for a second time on the XXXX website and based on my application, I was told on that website that all XXXX of my loans applied for the XXXX plan and that my new monthly payment would be roughly {$100.00} a month. My application was then forwarded to Nelnet to choose the repayment plan for me and I have proof they manipulated my application and changed a question to state I didnt file federal taxes, which was the reason they denied my first application ( or so they say ). I have called several times and every time I talk to someone I get a different answer as to why my application for XXXX is not able to be processed. First it was that only XXXX of my loans qualified, then it was because my spouse didnt sign the application, now, on XX/XX/year>, its because I make too much money. This is deceptive and dishonest and I still do not have a resolution. 

In addition, I still have not received any formal communication about whether or not my application is being denied or not, even though when I call, I am told various reasons why I don't qualify, yet I do qualify on XXXX 's website and my application is still in review while being told these things. 

It feels as if I'm being lied to and brushed off. The XXXX employee even raised her voice at me while I was trying to get an answer about the status of my application. 

Please note this is the second complaint Ive made to the CFPB based on this matter and their response the first time was that my application was still in review, which, in fact, it was not based on me getting a bill in the mail about a week later. This is not only taking time away from my life, adding frustration that I dont need, but it is also negatively affecting my credit as my loans continuously bounce back and forth out of forbearance while I try to attempt to enroll in a program that I qualify for as Nelnet repeatedly attempts to unfairly and unjustly prevent me from enrolling. 

I want all XXXX of my loans enrolled into XXXX and I want my monthly payment to match what I was told during enrollment ( which was the reason I enrolled ). Otherwise, I feel as if this qualifies as unfair, deceptive, and abusive practices. I only enrolled based on being told XXXX thing, and now, Ive been told several others depending on the person I talk to, and none of their made-up excuses represent the facts. 

Attached is my application that I electronically submitted on XX/XX/year> via the XXXX XXXX website, along with my XXXX as well as my spouses. Please note that the response to question XXXX in section XXXX differs from what Nelnet has on file. This is the question they manipulated on my form and was XXXX of the reasons they stated for denying my application.
Product: Vehicle loan or lease

I leased this car in 2011 and paid for it for a couple of months and was unable to pay it and so they repossessed it.Its been six years plus that they have it on my credit report.I have paid two companies to try and remove this from my credit report without any avail.This has frustrated me alot over the years I have tried to apply for things even housing I have been denied because of this.So am appealing to u to try and resolve this for me since I have only one year for to stay on my report..
Product: Checking or savings account

My employer opened a business checking account at East West Bank XX/XX/2021. Also before the opening, the banker XXXX XXXX ( XXXX ) claimed it was free over the phone call but after the opening he said HE WAS NOT SURE and then he has been ghosting me for weeks for any email correspondence. This unprofessionalism and unresponsiveness for customers is beyond acceptable
Product: Credit card or prepaid card

I transferred a balance from another credit card to this one back in XXXX, to help pay less on my overall credit card debt. When I did so, I was given the offer of 0 % interest for 12 months, but I keep getting charged interest on my statements and then never given a proper explanation as to why whenever I have contacted the company about it. 

When I called them the most recent time, I explained that when I have made purchases with this card since the balance transfer I have paid the purchase amounts in full, so I should not be charged interest. The person that I spoke with said that I did not in fact pay them in full, which is true, but they then apologized, credited me for the interest that had been charged and apologized for the lack of a good explanation as to what I should pay to not owe any interest. They did some type of calculation on their end and said that I would need to pay {$58.00} ( or something in that ballpark ) to pay for my minimum payment on the balance transfer as well as what remained on the purchases, to not owe any interest. I thanked this person and then proceeded to pay {$60.00} ( more than what they had told me ) on my next bill. When I received my most recent statement, I was still being charged {$1.00} for interest even though I had been given a specific amount to pay where I would not have to. 

The bottom line is, when this company told me that I could get around paying any interest, they lied about it and have decided to still punish me for trying to pay off my debt and not owe interest. These discrepancies in their behavior can not and should not be tolerated, and I demand consistency when speaking to the associates at this or any other bank.
Product: Credit reporting or other personal consumer reports

I have attached the information with my opt-out notice to XXXX XXXX XXXX XXXX I have followed the proceedings in 16 CFR 313.7 to opt out of non-public personal information to a nonaffiliated third party including XXXX, XXXX, and Equifax. XXXX  XXXX XXXX has not responded in a timely matter as this was sent out on XX/XX/2023, and it is now XX/XX/2023. This unauthorized information as stated in 15 USC 6802 must be removed permanently from XXXX, XXXX, and Equifax
Product: Credit card or prepaid card

I receive my unemployment benefit payment through usbank ReliaCard. On the XX/XX/2020, the bank withdraws XXXX dollars from the account, and they claim that I withdraw XXXX twice on the XX/XX/2020, so they have to refund one of XXXX dollars. When I called, I told them that I did not withdraw XXXX twice that day, I did only one time because there was not enough fund in the account to do that, and I ask them to show me or send me proof that I did that, but they could not. Every time I call the customer agent, transfer me from department to another to find what happened, and I waited for hours, then call dropped from their side.
Product: Debt collection

I have sent numerous letters for validation and verification ( the most recent being certified letters sent XX/XX/XXXX ). This company has not responded with the requested verification and validation documents but they have responded to credit bureaus as " accurate information '' when disputed on the bureaus websites. I have not received any communication from the company to the collect the debt or any way to dispute. The company is simply reporting the debt without ever having contacting me and is refusing to respond to multiple attempts at contact from me. The debt appeared on my credit reports in XX/XX/XXXX. All I ask is for proper verification and validation of the debt.
Product: Checking or savings account

I have filed multiple disputes and on the day theyre supposed to give me a provisional credit they close it saying no error was found. They close the disputes without proof from the merchant. They have closed the dispute without even talking to the merchant. I am out hundreds of dollars because of them.
Product: Credit card or prepaid card

On XX/XX/2021, I received an invitation from American Express to apply for the Business Platinum Card. I applied and was APPROVED for the card, Ref : XXXX. American Express always sends approved premium cards overnight however, I still didn't receive my card, it's not even showing up in the system. I called them at XXXX XXXX XXXX XXXX manytimes and all I get is ; we're working on it.
Product: Debt collection

Up until a week ago, I was informed of a {$240.00} balance under XXXX XXXX which has turned into a debt collection. I was never emailed, called, or spoken to directly by XXXX XXXX. I have not attended XXXX XXXX within the past three years nor did I sign up for a contract, it was a month-to-month cancel-free subscription which I canceled in 2019.
Product: Credit card

Last year, I sent emails to Affirm and XXXXXXXX XXXX  Someone from XXXXXXXX XXXX  said that bank does not service loans through Affirm. I initially contacted the bank because their information is listed as the creditor for this loan ( Loan ID : XXXX ). I learned Affirm manages my loan ( s ).

The problem with this loan is I paid a {$70.00} down payment. Last year, I noticed discrepancies in the literature. First, on the " Details '' page of the loan, it says my " Total Payments '' is {$280.00}. For all my loans, the " Details '' page show the amounts that are to be paid in full. I paid {$290.00}. It is still showing I owe {$59.00}.

The issue with those numbers are inside the loan agreement. It says the final installment would equal {$360.00}. {$290.00} and {$59.00} is {$350.00} ( excluding {$70.00} deposit ). Including my deposit, this company expects me to pay overages.

The terms also say the loan is 18 months, but it doesn't show an 18-month payment schedule. These numbers aren't adding up to me. How do I owe {$350.00} + {$70.00} ( deposit )? Way over {$360.00}. I refuse to pay more. None of these numbers add up to {$360.00}.
Product: Vehicle loan or lease

I as a consumer and natural person am being accused of owing a alleged debt. I sent them a notice to cease and desist as well as a full satisfaction of claim in good faith on the dates of the XXXX and XXXX of XXXX in which they have yet to send back to me or satisfy. They continually dishonor my cease and desist notice by sending me statements that I owe as well as harassment while im working by continued phone calls. These pratices are unlawful and violate my rights as a consumer. As a result of these practices, I am distressed and my peace of mind has been taken. I am planning on sending them another affidavit to request the original instrument of indebtedness as well as a final notice in good faith to stop all collections activity until all demands in the notice have been rebutted. It is a Fact that I am a federally protected consumer and it is my right to enforce my rights by the XXXX XXXX XXXX XXXX. They still have 30 days from the intial notice of the affidavit of truth enforcing full satisfaction on XX/XX/2020 to do what is right and lawful as stated in UCC 3-311. Still they have violated my rights as stated in 15 U.S.Code 1692c, that after a notice they can not continue to harass me over a alleged debt. I send this complaint to make aware of the practices of VEROS CREDIT LLC which I allegedly owe in hopes to protect other peoples peace and personal information. I also have reason to believe that they unlawfully share false information and have not offered me a option of disclosure of my personal information as my data and information are very valuable to me and I perfer to keep it private. They have made multiple attempts to pull money from my bank account in which I didnt have enough money and left me in overdraft. This is effecting my living situation and my social and financial stability and is considered abuse to me. It is likely that they used my personal information to imply that I gave them authority to pull money out of my account. There has been more then 27 missed calls since the initial notice to cease and desist on the date of XXXX of XX/XX/2020. Please I ask of you to investigate the lawfulness of there practices for I do not wish to file for arbitration however if it is nessasary and these practices continue on there behalf, I will have no choice but to take legal action and demand further remedy. Thank you.
Product: Debt collection

XXXX collection account added to credit report XX/XX/XXXX balance : XXXX $ XXXX collection accounts added to credit report XX/XX/XXXX balance : XXXX $ XXXX XXXX account added to credit report XX/XX/XXXX balance : XXXX $ I Disputed These accounts XX/XX/XXXX with the creditors and they responded stating that the debt was valid but offered no proof of ownership to me and refused to remove it from my credit files.
Product: Credit reporting or other personal consumer reports

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights. 

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