23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The following account is reporting on my credit report. I've requested numerous of times to provide validation from this collection company. This collection company has not provided me with any contract agreements towards this. I've been back and forward for over 1 year. This account was removed from my XXXX / XXXX Report.
Product: Credit card

I made a payment to my Wells Fargo credit card account ending XXXX on XX/XX/year>. I was waiting for my available credit to be updated. I was told by Wells Fargo they placed a 15 day hold on my payment. This is a violation of Reg E. The payment should have been applied the next business day. I have had this account for almost XXXX  years with no returned payments. I filed a complaint and was told I needed to allow 10 business days for a response. That will pass the hold time frame. This is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two inaccurate XXXX accounts on my credit report that are destroying my credit score. Both of those accounts are not mine and should be deleted immediately from my report. 

I have sent multiple letters to all three credit bureaus and they refuse to delete both of those accounts.
Product: Checking or savings account

I have banking relationship with Bank of America since XXXX. On XX/XX/XXXX I checked my checking account online and noted a forged check in amount of {$2600.00} cleared from my account. I immediately contacted my bank and transferred to Check Fraud department and filed a claim. They explained that this may take up to 90 business days to resolve. I called next day and froze my checking account. Same day I received an email with a form to be filled and notarized which I sent back on XX/XX/XXXX via my bank branch in XXXX XXXX. The check fraud department is closed on weekends and nobody could release my existing funds till Monday after. In last 2 weeks I have contacted check fraud department multiple times and found out that the check was negotiated by XXXX XXXX. My bank says since this is involving XXXX XXXX we need to wait for their investigation as well as Bank of America investigation. My bank knowing this was completely a fraud couldn't credit me the funds as they say they need to wait for XXXX XXXX to pay them first and then they can return the funds to me. No contact from the investigators from any of the banks. Just saying we are sorry.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in to be removed. 

They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXXXXXX XXXX XXXX XXXX of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX never sent the periodic statement along with the disclosures from section XXXXXXXX XXXX XXXX ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

My credit file still contains information about previous accounts from XXXX, XXXX, and Equifax despite my repeated disputes and requests for their removal. My credit file has these items since XXXX. I've been at odds with these credit bureaus for the past six years. Everything that states " Collection Charge Off, '' including XXXX XXXX XXXX XXXX XXXX XXXXXXXX, needs to be removed. I'm unable to move forward because of the ongoing effects these things are having on my credit report. 

These laws also protects me as a consumer Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S. Code 1692 Fair Credit Reporting Act ( FCRA ) - 15 U.S. Code 1681 Gramm-Leach-Bliley Act ( GLBA ) - 15 U.S. Code 6801-6809 Identity Theft and Assumption Deterrence Act ( ITADA ) - 18 U.S. Code 1028 Privacy Act of 1974 - 5 U.S. Code 552a
Product: Credit reporting or other personal consumer reports

The Problem : American Express 's " Apply with Confidence '' tool is designed to give you a sense of whether you'll be approved for a card before you formally apply. They promise this pre-approval check will only involve a soft pull on your credit, which doesn't impact your credit score.

I did not agree and did not consent to a hard inquiry.

False advertising American Express 's marketing materials led me to believe there would be no impact on your credit score.

Breach of trust I relied on their promise and felt misled by their actions.

Unfair practice Hard inquiries can negatively impact your credit score, affecting my ability to get loans or other credit cards in the future.
Product: Money transfer, virtual currency, or money service

On XXXX the XXXX, I made a debit card transfer with my debit card issued by XXXX XXXX XXXX XXXX. I typically make these transfers from my personal account to my business account with Navy Federal. My first transfer was in the amount of {$200.00}, and second was for {$150.00}, I made twio transactions, because they both claim too have failed. So, I managed to be able to transfer money form my XXXX XXXX and it went directly in. Well needless to say, the next morning had two insufficient fees of {$29.00} and overdaraft an overdraft fee from my personal account. I went over to XXXX XXXX XXXX XXXX, and they gave me a copy of the codes that show that the transaction was made on th XXXX. I took it over to Navy Federal and they still seem to have hard time finding it. They did, thatnkfully force those two checks through because, I had called the next morning. A returned Mortgage check and {$390.00} short, I am very stressed out because I am short {$350.00} plus {$32.00} in over draft fees, time spent goin back and forth the whole week, so I could get my money back to pay my bills. As of today, I still have not recieved any money in my account. I am not sure what I am goin gto do about paying my mortgage, becasue i already behind. 
This has put a real hardship on me.
Product: Consumer Loan

I purchased 'FurnitureGard Comprehensive Plan '' to cover a sofa and love seat I brought from Conn XXXX XXXX XXXX Appliance. I was told that'everything '' was covered. I have submitted a claim twice and been told that they will not fix the issue ( stuffing coming through the fabric ). I requested arbitration and have been ignored by the company twice. The contract states that I must simply request arbitration. When I called the clerk stated that I must begin the arbitration, which I can not do without an attorney and it is not what the contract states. I am requesting help getting the company to start arbitration as the contract states.
Product: Checking or savings account

Someone tried to use my SSN to open an account with Bank of America. I caught it in time and the declined the application. Apparently Bank of America is recieving a lot of these complaints.
Product: Bank account or service

Bank of America would not remove me from XXXX, nor XXXX. I opened an account with Bank of America XX/XX/XXXX and my account was closed due to Bank of America suppected fraud on my behalf. However, I shared my story with Bank of America by certified mail, and I have not heard from them yet. I even wrote XXXX and they do not have any record of me. However, XXXX on the other hand say they do have a record of me. Moreover, I am consistently getting denied a bank account. I also have settled my debt with Bank of America. I paid {$190.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is no sufficient information to support the credit bureaus claim.The payment here is sent in advance so I don't understand why this is is a past due..Please fix this for me ... XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Product: Mortgage

I sent an email XXXX/XXXX/XXXX to my XXXX lien servicing company, Green Tree Mortgage Servicing, and have n't heard anything about assistance. My XXXX lien was refinanced with XXXX prior to XXXX purchasing them, then Green Tree Servicing received the MSR. XXXX is still the investor of record for the XXXX lien. I believe the appraisal value obtained by XXXX at the refi time was fraudulently elevated to allow the loan officer to approve my loan. Due to XXXX being one of the Hardest Hit states in the economic down turn my LTV is extremely upside down. I 've had to move to XXXX to obtain work after a layoff in XXXX XXXX. I was out of work at a full-time job for 1 year. I believe the Treasury has outlined modification programs for XXXX liens that would assist me. I 've taken a $ XXXX annual salary cut and have the home rented out for {$250.00} less a month than the mortgage payments. I 'm trying to be pro-active now that I 'm employed again. I have n't missed any payments on the XXXX or XXXX thankfully. At this rate, without assistance, I 'll have to let the home go. It seems like the mortgage companies do n't want to do anything to help a person unless they actually become delinquent and ruin their credit. The XXXX is reviewing documents to attempt assistance but they already posted a HARP to my loan in XX/XX/XXXX that lowered my payment. The XXXX lien is at 7 %. Thanks
Product: Consumer Loan

In 2006, I purchased a used vehicle from XXXX XXXX in XXXX XXXX Florida. I used a lender refereed by the dealership, GM Financial. 
I was told that interest would be accrued monthly. However, the interest was accrued daily. The loan was roughly {$8000.00}, and the monthly interest was outrageous. I had no choice, but to use 100 % of my student loans to pay off this loan early. I was stuck in, what I believe to be, a predatory loan for around one year. 
I 'm not sure if I can be helped due to statue of limitations. I 'm sure I have thrown away most, if not all of my literature from the loan. My hope is that this loan history might be archived online.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed several inaccuracies in the consumer report you have compiled in my name. 
You are reporting accounts with a charged off status. These accounts have been reported to the Internal Revenue Services as income by the alleged creditor. 

Please immediately remove the following accounts from my consumer credit report, as they are damaging to my reputation and should not be there, per the Fair Credit Reporting Act. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX : opened XX/XX/2021 ; XXXX XXXX  XXXX XXXX ; XXXX  : Opened XX/XX/2021 ; XXXX XXXX XXXX XXXX XXXX This complaint is being submitted by me, the consumer. I have attached a copy of my identification to verify this fact.
Product: Vehicle loan or lease

US Auto Sales Recently just went out of business and then I start receiving calls from this company who co yours to charge me NSF Fees, talking about late payments, the interest was literally done however I see interest still being chargers with new Conpany so it seems I am being charged interest all over again. And its being charged Daily when I send that this supposed to be company had called me regarding the loan I looked up the info and right away felt they were a a scam because of them saying I owed money for late payment etc. 2nd the interest that showed on the loan when the site popped up said I owed maybe XXXX or so dollars in interest. Now it seems to be more interest being paid on a loan and maybe 20-30 % Going towards my loan I need to know about my Gap Coverage does it still exist? The car cost was XXXX and my loan anount was almost double that amount so since 2019 my account shows the price of like XXXX ish where has my money gone and were they just XXXX This is faulty and I did it trust this company. 

Everytime I call I cant ever understand the person on the other line and they dont understand me either so what do it do.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

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

Ive been a loyal employee with XXXX for 2 years and recently they said my cori background check came up with something without telling me what it is and Im unable to work with XXXX  which is my main job since I have XXXX. I think this is very unfair and unjust and will like this issue to be resolved as soon as possible in a just way.
Product: Consumer Loan

At the beginning of my loan I made each payment on the scheduled date and payment amount until I became in default on my loan after becoming XXXX in XXXX 2014. Upon my release I have made a good faith attempt to bring my loan current. Santander continues to call and harass myself as well as my family regarding the standings of the loan. I have contacted Santander by phone several times requesting the past due amount and tried to work out payment terms that were both convenient to myself as well as their company. Each time I have spoken with one of their representatives I have been given conflicting past due amounts. I have now been slammed with so many fees that there is no way that I can bring my account current with no explanation of what the fees are for. This company also continues to report this account to the credit reporting agencies as a charge off and have not reported my payments or account history correct.
Product: Mortgage

Providing out dated information for any request requested by to the company. 

I have requested a PMI cancellation and paid for the appraisal that was ordered by Domvenmuehle Mortgage. I have received the appraisal report [ XXXX XXXX XXXXXXXX ] on XX/XX/2024 that was ordered by DMI appraised at $ XXXX and found out that it is done incorrectly. Hence a dispute was filled against the evaluation. After the dispute was re-evaluated and an updated appraisal was completed on XX/XX/2024 provided [ XXXX XXXX XXXX ] by Domvenmuehle Mortgage, appraised at $ XXXX. 

But when checking to see the status of PMI cancellation [ XXXX - XX/XX/XXXX XXXX ] the corrected appraisal was not shared/considered for PMI cancellation. I have an outstanding principal balance of $ XXXX ( as of XXXX XXXX ) which is less than XXXX XXXX of $ XXXX i.e. XXXX so I would not have to pay my PMI anymore. 

Seems like there is a miscommunication between the team within the same company and not all updated information is being shared across teams. I would really appreciate it if this can be resolved and a PMI can be cancelled on my account.
Product: Mortgage

Wells Fargo Home Mortgage has placed my home in active foreclosure status without informing me of such action via regular/certified mail or phone. On XX/XX/2018 I attempted to make monthly payment of {$970.00} at their XXXX, PA Branch office and was told my payment can not be accepted because my home is in active foreclosure status. This was a shock to me because I received no communication of this information from Wells Fargo. I am 3 months behind but told them on numerous occasions of my intention to bring account current. I believe I deserved to know my home is being foreclosed on. They are preventing me from reducing loan amount in order to foreclose on my property ; THEY SHOULD BE HELPING. 

Thanks for your time
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : 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  XX/XX/XXXX
Product: Student loan

On XX/XX/XXXX, I noticed that University Accounting Services ( UAS ) was charging interest on my Federal Student Perkins loan throughout XXXX, but stopped in XXXX. I reached out to them to get it corrected. I followed up on XX/XX/XXXX and XX/XX/XXXX and have never heard back from them. They did, however, immediately start charging me interest again starting in XX/XX/XXXX. The only thing that has come out of me contacting UAS for help was they starting charging me interest again. 

I need to pay this loan off an University Accounting Services fraudulently charging me more than {$400.00} in interest, plus ignoring my repeated requests for assistance, has caused me not to pay off this loan yet.
Product: Credit card or prepaid card

Attempted to make payments on 2 secured accounts with Capital One Auto pay feature didnt correctly go thru and accounts were closed without notification or proper dispute process explained.
Product: Checking or savings account

My checking and savings account with Wells Fargo. I had direct deposits into my checking at first but Wells Fargo allowed XXXX XXXX to take more money then what I owed without me making the payment from my account. XXXX XXXX went to Wells Fargo and was able to take out more than what I owed. I put in a dispute but without any verification they said I owed XXXX XXXX which made my accounts go into overdraft. So I moved my direct deposit to my savings account and they closed my checking account even though I still used it without any notification and turned off my card that was affiliated with both checking and savings. I now have to go inside. They would also take out fees ie,. If I had a bill pay for {$200.00} and I had in there {$190.00} instead of them paying it then charge me the {$1.00} plus the fee, they would take the fee and then return it for insufficient funds and charge me again for another fee. I think they have done something with my mortgage modification as I am not able to do anything refinance or get a HELOC. I have tried to get my mortgage away from Wells Fargo however no matter what I do they buy back my loan! XXXX
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  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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 card or prepaid card

In XX/XX/2022, I applied for an American Express Gold Business Card. I was denied because they reported that I had previous credit cards that were in collection status. In XXXX I conducted a fraud complaint regarding the business card denial with the American Express fraud security department. In XX/XX/2022, American express fraud department confirmed the fraudulent accounts, yet refused to grant the card. I was instructed to reapply. I voiced my concerns that the re-application would cause damage to my credit score based upon the repetitive application for the same card, despite American Express 's confirmation that their denial was based upon incorrect information that was initially acknowledged prior and during application for the business Gold card. American Express engaged in discriminatory practices with the denial of the Gold card, based upon the fact that the applicant is a Veteran and minority business owner and the denial for the Gold Card was based upon a denial factor that the issuing company verified was fraudulent at the time of application. Since the issuer confirmed that the sole reason for the denial was found to be fraudulent ; then this applicant ; like those like him would have qualified for the Gold Card initially. Under normal circumstances, there would be no reason for a reapplication and an identical credit score pull would not be required.
Product: Credit reporting, credit repair services, or other personal consumer reports

Federal student loans borrowers defense application was approved 100 %, credit report shows new loan XXXX XXXX and double amount when everything should be canceled XXXX University misled me and it affected my credit and family. See attached. 
Also this has affected my credit for years and interest was accrued which affected my approval chances. Now that my loans are being waived compensation for damages need to be looked into.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX  -- XXXX XXXX XXXX XXXX On XX/XX/XXXX XXXX account was identified as fraudulently open and closed with a {$0.00} balance reported. 6 months later XX/XX/XXXX the balance on the account increased from {$0.00} to {$320.00}.
Product: Credit card

This account represent a clear breach of contract and are fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account is : BANK OF AMERICA XXXX