23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

My car note is due to SunTrust on the XXXX of each month. As a condition of getting a preferred interest rate, SunTrust required the payment for the auto loan be made from a SunTrust checking account. Each month, several days before the XXXX, I submit a request to XXXX XXXX XXXX to send a deposit to the SunTrust Account. I do n't use the Suntrust account for any other purpose. On XXXX XXXX, I entered a " billpay '' for {$850.00} into the XXXX XXXX XXXX system, to be sent to Suntrust. According to XXXX XXXX XXXX records, the payment was delivered to SunTrust on XXXX XXXX. Despite that, SunTrust did not credit the checking account with the funds transferred from XXXX XXXX XXXX until the XXXX of XXXX, XXXX day after the payment was due. The automatic debit from the SunTrust account was declined as insufficient ; SunTrust also charged me late fees on the loan. There is also a {$10.00} service charge on the checking account every month. The fees totaled {$100.00}. I paid well in advance of the due date. I have proof that SunTrust received the funds. I would like a refund of the {$100.00} and a different payment method from SunTrust. Similar transactions have occurred three times during the life of this loan, which is not quite three years ago. I have also complained to XXXX XXXX XXXX, because I do n't know whether the transfer from XXXX XXXX XXXX actually reached SunTrust by the XXXX as the XXXX XXXX XXXX records indicate. 
Thanks for anything you can do to prevent this from recurring.
Product: Checking or savings account

I opened a interest checking account ( ending in XXXX ) on XX/XX/XXXX, at the Citi Bank branch on the XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX, NY XXXX ). At the time of the opening, I was assured to be eligible for a checking account opening promotion if I complete the required activities, which required me to deposit a certain amount of non-citi funds to the account, keep that balance for 90 days, then I will receive a bonus cash deposited into my account within 30 calendar days. Specifically, if I deposit XXXX dollars to this account and keep it there for 90 days, I will receive a XXXX dollar bonus, per promotion XXXX. On XX/XX/XXXX, I made a wire transfer totaling XXXX dollar non-citi funds to this account, and my minimum account balance for this account was above XXXX dollars until XX/XX/XXXX, which was already 123 calendar days. According to Citi 's promotion terms and conditions, I should have already received the promotion by that time. However, I never received the bonus. Also because that my total balance was below their minimum balance to avoid a account management fee that I was never aware of, I was charged a monthly service fee of XXXX dollars per month starting XX/XX/XXXX for XXXX months until I closed this checking account in XX/XX/XXXX. I contacted Citi bank 's customer service via chat in XXXX and XX/XX/XXXX, and they replied that the promotion bonus just takes time to reflect on the account. In XX/XX/XXXX, I still did not receive the bonus. At the end of XX/XX/XXXX, I visited a Citi bank branch in XXXX in person, and a banker filed a claim regrading this issue for me. I was guaranteed to hear back from them within 2 weeks. However, I did not hear a single thing from them until XX/XX/XXXX. In the month of XX/XX/XXXX, I contacted Citi bank 's customer service through phone multiple times to inquire about the status of my claim, and each time the customer service would make a false promise of saying that I will hear back within the next week, and in fact, I did not, until XX/XX/XXXX. Because I was being hit with the 25 monthly service fee and the fact that I could not trust Citi Bank 's promise anymore, I closed this checking account at the end of XX/XX/XXXX. Shortly after I closed this account, I received a letter from Citi 's customer service department delivering the result of my claim, in which they claimed that I was not eligible to receive the bonus from this promotion because my account was closed. This seemed intentional and manipulative because the bank made various false promise through out entire relationship.
Product: Credit reporting, credit repair services, 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. 

XXXX : # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX  XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Comenity Bank Zales Diamond Store - XXXX XXXX in the hospital from XX/XX/21 released XX/XX/21. The extra / exuberant interest of {$610.00} was added while I was in the hospital. As soon as I was released, I paid the Balance due and was still charged the {$610.00}. Due to my XXXX hospitalization, I am asking this bank to withdraw the {$610.00} interest charge because the Balance was immediately paid when I was released from the hospital and obviously could not have paid the balance while I was in the hospital with XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I previously made a complaint about a dispute I sent in on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  under consumer law Section 809, 15 USC 1692g. I requested the following : 1. Assignment or sale agreement from the original creditor.

2. Account statements detailing the history and current balance of the debt.

3. A copy of the original contract or agreement I signed with the original creditor. 
XXXX. Additional records verifying the accuracy of the debt. 
XXXX. Authorization from the original creditor permitting them to report the debt. 

In previous company response to my complaint they advised they are still working on the dispute and needs and additional 60 days however I received on XX/XX/year> the dispute results. Please see attached. Due to this issue, it is effecting my creditworthiness and violating my rights. I demand the collection agency to be removed from my consumer report immediately as I am just getting the run around and the agency is not doing their due diligence.
Product: Credit reporting or other personal consumer reports

The payment details for this account are entirely wrong. Having automatic payments on my card means I can't be late. Correcting this mistake is crucial, so I'm asking for swift action to fix and completely remove this late status. Your quick attention to this matter is highly appreciated. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

XX/XX/XXXX I walked into the branch and opened a checking account. Same day of opening the account i cashed my settlement check of a little bit over {$5000.00}. I took {$500.00} from the check after it was cashed. Same day my wife XXXX me {$2000.00} for rent. 
XX/XX/XXXX my account was closed and could not access funds. 
XX/XX/XXXX the check was mailed out per the fraud department that i was directed too from the branch. 
It is now XXXX XXXX and there is still no information on where my check is.
Product: Debt collection

A LAWSUIT HAS BEEN FILED IN XXXX XXXX COURT BY THE ATTORNEY OF PORTFOLIO RECOVERY ASSOCIATES LLC. ORIGINAL FILE DATE XX/XX/XXXX. I FILED AN ANSWER ON XX/XX/XXXX. I DID NOT HEAR ANOTHER WORD FROM THEM OR XXXX XXXX UNTIL XXXX OF XXXX. THAT IS XXXX  YEARS AND XXXX  MONTHS. AND NOW THEY WANT TO SUE ME. 

ACCORDING TO DISCOVERY PAPERS, THE LAST PAYMENT TO ORIGINAL CREDITOR WAS ON XX/XX/XXXX. OVER 10 YEARS AGO. 

STATUTE OF LIMITATIONS FOR SUING FOR PAYMENT IS 4 YEARS IN TEXAS. 

IT IS VERY STRESSFUL GOING THROUGH THIS AFTER ALL THIS TIME.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to bring to your attention an item on my credit report that requires immediate attention and resolution. The item in question pertains to a charged off account from RC Willey. Despite my efforts to settle the account by contacting the original creditors, I was informed that RC Willey no longer had the account, and it was transferred to XXXX XXXX On XX/XX/2020, XXXX XXXX XXXX to my debt validation letter, confirming that the item would be removed. However, to my dismay, the RC Willey charged off item is still appearing on my credit report. 

I kindly request that you thoroughly validate this item and take the necessary steps to promptly remove it from my credit report. The transfer of the account to a third party, XXXX XXXX, should have resulted in the removal of the RC Willey charged off notation, as confirmed in XXXX XXXX 's response to my debt validation letter. Therefore, it is imperative that this incorrect information be rectified as soon as possible. 

To assist in the validation process, I have enclosed a copy of the letter received from XXXX XXXX, dated XX/XX/2020. This letter explicitly states that the item would be removed from my credit report. I trust that this documentation will serve as substantial evidence supporting my request for removal. 

It is vital for the accuracy and fairness of my credit report that this matter be addressed promptly. The presence of incorrect information can have a significant negative impact on my creditworthiness and financial opportunities. I appreciate your attention to this matter and your swift resolution. 

Thank you for your cooperation. I look forward to receiving written confirmation once the RC Willey charged off item has been validated and deleted from my credit report.
Product: Debt collection

Representatives from Premier Holdings of XXXX, TX have contacted my mother, father, and myself on several occasions over the past several years threatening possible legal action and garnishment of wages for non-payment of a private student loan with XXXX XXXX. 

They were informed each time that the loan had been settled and to not contact myself or family members again. My Father is not associated with this paid loan in anyway. However, Premier Holdings threatened possible legal action against him even though he is not associated with this debt. In addition, they have been harassing him for years with unwanted phone calls and letters regarding this matter. 

Premier Holdings Info XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Account manager : XXXX XXXX Account manager 's contact : XXXX Account manager 's Rep Id : XXXX Loan Information : XXXX XXXX Private Student Loan Account # XXXX, XXXX, XXXX Amount : {$4200.00} Settlement date:XX/XX/2010 Settlement Company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Accounts # XXXX XXXX  XXXX XXXX, # XXXX XXXX XXXX XXXX, # XXXX XXXXXXXX XXXX XXXX, # XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

This account falls under the 4 year statute of limitations and has been removed from my credit reports on XXXX XXXX, XXXX after the allotted time for the dispute. I see now as of XXXX XXXX, XXXX that this account has been replaced on my credit report. 
Dispute Results XXXX received your request on XXXX XXXX, XXXX and completed their investigation on XXXX XXXX, XXXX. 

****Result : Deleted - XXXX has deleted the account or record from your XXXX credit report. XXXX Account Name Original Creditor Open Date Status Balance {$1400.00} MIDLAND FUND XXXX XXXX XXXX XXXX, XXXX Open {$1900.00}
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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX  Account Number:XXXX has violated my rights. Or a list of inquiries : 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Problem  with Experian.     Report Number :  XXXX  I have tried getting them to correct the information many times!     There are  XXXX   Student Loan  accounts that have already been removed from my   XXXX    and  XXXX  reports. They have been paid in full.     The date of first delinquency is  XXXX / XXXX /   10  and there has been no activity report since. I have reached out to Experian many times to try to correct with no resolution. Since it has been seven years. It has fallen off my reports with  XXXX  and  XXXX .     Experian has refused to address my queries and disputes.
Product: Consumer Loan

I contacted BMO Harris regarding our XXXX auto loans that we have financed with them. Both loans are current accounts & have never been past due. My husband recently was out of work due to XXXX & there was payroll issue with his check. To avoid being late, I contacted BMO Harris to inquire about a deferment/extension since this would be an a short term issue as it was already in process of being rectified. After they reviewed the accounts, while I did qualify for the deferment/extension they would not approve it because it was based on my husband 's income interruption & not mine, but both loans were listed in my name since I usually handle the car shopping for our household. I explained to the representative as well as the supervisor that our household works off a joint income and a delay of {$1000.00} was an impact to paying our monthly bills as it would be for many people. They still declined the request again for the only reason being that it was not my direct income being impacted. I feel I was provided a lack of service due to being honest. As a good consumer who pays bills in a timely fashion, I feel this situation should have been looked at with a different level of scrutiny vs. to the letter of their policies. Working in the same industry, I understanding having policies, regulations, and guidelines, as well as when there is room to service the consumer with flexibility within those same practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding unfamiliar and wrong information on my credit profile, I still over 45 days later have NOT received a response yet! Im obviously being taken advantage of and my disputes are being ignored. According to SECTION 611 ( a ), a failure to investigate these items within 30 days give legitimate reason to immediately remove those items from my credit profile it has been well over 45 days so they should be deleted right away. I demand these accounts be deleted immediately or I will file for litigation due to the frustration, confusion, and stress you caused me. My information was also impacted by the equifax data breach and someone may have gained access to my information.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX and ask to please block my information of my credit report within 4 days pursuant section 605c of fair credit reporting act
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Reporting act XXXX Account, 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: Debt collection

Wrong dates wrong amount Repeating emails from XXXX  and XXXX XXXX
Product: Debt collection

Columbia Debt Recovery LLC ( XXXX ) responded to my debt validation request on XX/XX/year>, but failed to provide legally required documentation. They only sent a rental ledger and lease agreement, neither of which proves their legal ownership of the debt or their right to collect. Despite their failure to validate, they continue collection attempts, violating FDCPA 809. I request CFPB intervention to force them to provide proper validation or cease collection efforts immediately..
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a Cancellation of Debt from the IRS, as for 2017, from my XXXX XXXX old debt, and I still have the balance due in my credit reports. Also, as of the Statute of Limitations on Debt, I need that all the old debts on my reports be DELETED, because as of this Statutes, they should not be in my credit records, for the Virginia State are 3 years, only to appear on credit records. 

I will very much appreciate your help, because I need to get a job and my credit report is not helping. I am not working right now.
Product: Credit reporting, credit repair services, or other personal consumer reports

The amount owed is incorrect and has not been updated and wells fargo continues to not update the correct amount due. I have tried to make payments on this account but was told I could only pay in full and that the IRS would get a report from them on me. This was in XX/XX/2018.
Product: Mortgage

I applied for a refinance of my existing mortgage on my property in XXXX XXXX Delaware in XX/XX/2020. The company - AmeriSave Mtg. Corp - created an online portal for me to upload all the financials and reports they needed for the loan. They have repeatedly asked for duplicates or more recent ( since it's taken so long! ) documents but I still do not have a date for closing. The company representatives have assured me that all is well and that they're working hard to get a close date, but then I don't hear from them for days and days. 
I talked to one gentleman, XXXX XXXX on Monday of this week, who said he'd call me back with an update - later that day. I haven't heard from him since, and I've called him 3 or 4 times, leaving voicemails.
Product: Credit card

I am being callex 5 to 6 times a day 7 day a week by XXXX credit card ( indigo and milestone cards. I was injured at work and missed a couple of payment because i was off and they have doubled my balances w fees.
Product: Credit reporting or other personal consumer reports

these inquiries are fraudulent and need to be removed off my credit report. i have included a ftc report down below. FTC Report Number : XXXX I also uploaded a copy. 

XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  I requested validation, including application, address, ID, on file when these accounts were opened. I requested XXXX  days ago still no response. I uploaded my XXXX  residence lease, ID, utility bills for supporting documents no response from either company Equifax, TransUnion, Experian please remove from my credit file immediately.
Product: Debt collection

XXXX fraudulently obtained service contract. My client is XXXX and did not agree to services. I have written to them in XX/XX/2021 telling them not to contact my client and to go through me. I wrote to Nationwide credit in XX/XX/2021 stating the same. ( see attached ). I again sent a letter to Nationwide on XX/XX/XXXX. In XXXX the alleged balance was {$60.00} and they further sent another letter to my client in XXXX with a {$650.00} balance. This is after I have repeatedly asked for verification of debt and stating that my client is represented by myself, a lawyer. XXXX actually had the nerve to come out to my client 's house just last week.
Product: Credit reporting or other personal consumer reports

HARD INQUIRIES SHOWING ON XXXX THAT NEED TO BE REMOVED : XXXX XXXX XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXXXX/XX/year> TRUIST XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I am filing a compliant against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds stating the account is accurate, without providing evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 5 U.S.C. 1681, which mandated a reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with the federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

I am disputing this debt because I do not owe it, because I am disputing this debt you should not report it to the credit reporting agencies. The Fair Debt Collection Act requires you to respect this request. See 15 U.S.C. 1692 ( c ).
Product: Credit card or prepaid card

Yesterday Bank of America closed my credit card. When I called them to see what the problem was I was told they could close it at any time. I have never been late on payments. I do not want my credit reporting damaged because of this. I have all statements, my next payment is not even due until XX/XX/2021