23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was hospitalized, had XXXX, XXXX XXXX into my XXXX, developed XXXX, the hospital call for air transport knowing that I had no insurance and so did the air transport. i am now XXXX, have XXXX   due to XXXX damage. XXXX XXXX excused debts and granted me one year of follow up treatment. At the end of that year they attempted to collect the debts. The doctors that were used thru XXXX. XXXX should have also been excused through their letter. I live on a very fixed income and try to work part time just to keep up with the expenses that have come with the XXXX equipment and co-pays of medication that i now have to take, I tried to get XXXX and was denied. Finally got it after i was released from the hospital but would not cover any of the hospital bills, I paying off other bills that were necessary after this. Had to have some expensive blood work done to try to determine high white blood counts. almost have them taken care of. These debts were excused by XXXX XXXX and then brought up again. I ask that they stop contacting me.
Product: Debt collection

XXXX XXXX AMOUNT OWED IS {$720.00} COLLECTIONS ACCOUNT DOES NOT BELONG TO ME, AND I DO NOT KNOW WHAT ADDRESS IS ASSOCIATED WITH THIS ACCOUNT FURTHERMORE, I HAVE REACHED OUT TO THE ORIGINAL CREDITOR AND COLLECTIONS AGENCY TO VALIDATE THE DEBT WITH DOCUMENTATION TO SUPPORT THEIR CLAIMS OR TO SEND OUT A FRAUD AFFIDAVIT AND HAVE YET TO RECEIVE ANYTHING IN WRITING.
Product: Checking or savings account

On XXXX XXXX XXXX I made XXXX deposits of state government issued checks ( Comptroller of Texas ) in the amounts of {$70.00}, {$300.00}, {$75.00} using Bank of America 's Mobile Check Deposit feature. 

I was subsequently notified that XXXX of the checks were placed on extended hold until XX/XX/XXXX. Reason For Hold : " We believe a check you deposit will not be paid '' Of the {$440.00} deposited, only {$70.00} was available on XX/XX/year>. 

After talking with BofA agents for XXXX hours, I was later told that the reason for the hold was due to it being a new account. 

However, mine was NOT A NEW ACCOUNT as I had a previous account just the previous day at BofA for approximately 10 years. 

" An account is considered a new account, under section 229.13 ( a ), for the first 30 calendar days it is open, beginning on the date the account is established. An account is not considered new if each customer on the account has had, within 30 calendar days before the account is established, another account at the bank for at least thirty calendar days. '' At no time during the process of using BofA 's Mobile Check Deposit feature was I given notice that making the deposit virtually, instead of in-person, would subject my government issued check to an extended hold. 

BofA failed to disclose their " Availability Policy '' when using their Mobile App similiar to what is required with " Posting Your Policy Where Employees Accept Deposits '' or " Printing Your Availability Notice on Deposit Slips '' federal notice requirements..

Additionally, at no time was I provided information that would allow me to know that making the deposit, in-person, would be consider a " next-day available '' ), whereas using their Mobile Banking App would not.

" State or local government checks deposited in person to one of your employees and into an account held by a payee of the check, if your institution is in the same state as the payor of the check. ( Note : If the customer desires next-day availability of funds from these checks, you may require use of a special deposit slip. ) '' Never-the-less, according to the " Expedited Funds Availability Act '', the funds must be available for withdrawal on the second business day after the day of deposit.

" Cash and other next-day check deposits ( such as Postal Service money orders, cashiers checks, certified checks, checks drawn on a state or local government, and checks drawn on a XXXX XXXX XXXX XXXX XXXX XXXX ) that are not made at a staffed teller station must be available for withdrawal on the second business day after the day of deposit. ( 229.10 ( a ) ( 2 ) and 229.10 ( c ) ( 2 ) ) ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and have 3 fraudulent and unauthorized credit card accounts that arent mine, and dont belong to me. The following accounts are fraudulent and unauthorized : XXXX XXXX, {$12000.00}, XX/XX/2017, XXXX XXXX XXXX XXXX, {$380.00}, XX/XX/2017,  XXXX XXXX XXXX, {$3.00}, XX/XX/2017, the following hard inquiries arent mine and dont belong to me : XXXX XXXX XXXX, XXXX, XXXX Consumer Affairs. My 2 U.S. Senators from Arizona, XXXX XXXX XXXX and XXXX XXXX, is investigating this matter as well on my behalf. XXXX XXXX XXXX and XXXX XXXX sent me a letter informing me they considering calling Congressional/Senate Confirmation hearings for XXXX XXXX, XXXX XXXX, XXXX, XXXX and Trans Union Executives to appear before Congress to answer to my complaint and other constituents in their district who have similar issues/complaints as well.
Product: Debt collection

I recieved a letter via XXXX that states the debt collector - XXXX XXXX XXXX  - is threatening to turn my debt over to a lawyer who will sue me for this debt owed.
Product: Checking or savings account

TD Bank was running a promotion Open a TD Beyond Checking Earn {$300.00} Bonus. The Terms and Conditions for this promotion are attached. Although I met all the requirements stated in the Terms and Conditions, I did not receive the {$300.00} bonus. I have been contacting their customer service through messages and phone calls. The customer service admitted that I am qualified for the bonus, but they couldnt help me in this case since the bonus is managed by their marketing department. The excuse from the marketing department is that I got a bonus three years ago. However, that account was closed 3 years ago. It states clearly in the Terms and Conditions that the offer is available to new personal checking customers who do not have an existing or prior personal checking account at TD Bank within the preceding 12 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

This credit company is listing an account from XXXX. This account was included in previously discharged chapter XXXX. The account was listed as XXXX XXXX. They refuse to remove account.
Product: Credit reporting or other personal consumer reports

I've been dealing with a credit report nightmare for the past few months, and I'm at a bit of a loss on what to do at this point. 

I had six accounts listed as 180+ days delinquent from my student loan servicer on all three of my credit reports after not having checked it for several months. I contacted my student loan servicer, and not only was I current ( I take being punctual with my payments seriously ), but they also never reported any of my accounts as delinquent. To verify that this information was correct, my servicer opened an investigation and confirmed it as accurate. They also provided documentation stating such. I opened a dispute with the credit bureaus and provided the substantiating documentation my servicer provided. That was late XXXX, and nothing has been changed. I even opened the disputes a second and I believe a third time, to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

On, XX/XX/21 I have put in several disputes about a Bankruptcy on my credit report. Each time you tell me it have been verify and accurate. You also told me you get my information was verified through XXXX. I have attached letter from XXXX and the Bankruptcy court in XXXX XXXX. 

XXXX, stated they do not have a bankruptcy reporting to my file or on my file, and XXXX XXXX courts stated they have not shared or give you any information related to a bankruptcy. 

You are lying about the information being verified and accurate. 

I see your reporting agency have violated several federal and state laws regarding my right as a consumer to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no recollection of doing business with this creditor. I have disputed this account numerous times. After numerous attempts to have the account removed from my report through disputes account continues to be verified and not investigated properly. The Creditor continues to refuse to remove account and re-aged the account.
Product: Credit card or prepaid card

A former friend ( XXXX XXXX ) was added to this account as an authorized user. She has broken my trust, and I am removing her as an authorized user on accounts. When I sent a message in the secure credit line asking her to be removed as an authorized user, Comenity Bank instead closed y account entirely. Comenity Bank has caused untold amounts of distress from its negligence. I've had this account for over a decade in good standing, and this may also be retribution for my reporting that they falsely reported a late payment in violation of the Fair Credit Reporting Act. Please see attached documentation.
Product: Credit reporting or other personal consumer reports

Hello I recently look to my credit report and i am a victim of identity theft, i found on my credit report the fraudulent account, that i want to dispute. The fraudulent account ruined all my credit score. 
XXXX XXXX  : opened XX/XX/2023 XXXX XXXX  : Account number XXXX XXXX XXXX  : Fraudulent Charges $ {$1300.00}
Product: Credit reporting or other personal consumer reports

Once upon a time I set up an account with Experian, which was required for me to remove an account from my credit report. No problem, I thought. However, they will NOT stop sending me spam. Log in to see new alerts! Put this back on your account, XXXX! Do that, XXXX! 

NOTHING makes them STOP! 

I have my account under a very old gmail. I am so close to my limit, that every spam email I get gets me closer to filling it up. 

I should be able to see my credit reports/accounts and NOT BE FORCED INTO EMAILS FROM PREDATORS TRYING TO SELL ME SERVICES! I have absolutely had it and will be filing complaints every time one of these folks pursues this junk. 

I have requested many times they stop. Nothing works.
Product: Credit card or prepaid card

USAA is actively harassing me. I received a phone call on XX/XX/2022 from a " XXXX XXXX XXXX informed me that they have not " changed their position '' from a disputed transaction that I submitted months ago. This phone call was unsolicited and served absolutely no legitimate purpose. Prior to this phone call, I explicitly told USAA to never directly contact me again for similar related harassment concerns. I am being repeatedly harassed after having informed them I do not want to be contacted under any circumstance. 

To further clarify, this complaint is not about a credit card dispute I've attempted to resolve with USAA within the last XXXX months. This is a new complaint that specifically identifies ongoing harassment from USAA employees to myself. I state this because despite my various other complaints submitted that addressed a variety of ranging issues, I continuously received the exact same copy/paste response to all of them that did not address any of the new points within those concerns.
Product: Credit reporting, credit repair services, or other personal consumer reports

my Equifaxhas incorrect information .I did not have any delinquent bills with XXXX XXXX XXXX, XXXX $ XXXX creditor : XXXX XXXX I did not live there during this date its incorrect and needs to be removed. Its also illegal to put rental on a credit report during covid-19 during this time I was not living there and owned a house starting in XX/XX/XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed hard inquiries on my credit report that weren't mine : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX  XX/XX/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

Citi Cards is reporting negative transactions and experiences on my consumer report which goes against 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) where Congress states that reports containing information solely as to transactions or experiences between the consumer and the person making the report should be excluded from a consumer report. 
Citi Cards has failed to provide the proper way for me to exercise the nondisclosure option given to a consumer by 16 CFR 313.7 and 15 USC 6802. I have provided them with notice that I have opted out of them sharing my nonpublic financial information with 3rd party nonaffilates. They have ignored this notice and are in violation of the Fair Credit Reporting Act and the Privacy Act of 1974. This is a violation of my rights that are to be enforced by the CFPB according to 15 USC 3805.
Product: Vehicle loan or lease

You have violated my rights. you sent a letter stating that my fraud case was closed but didnt send anything validating this. How are you sending me a form to fill out with information when stating i owe you anything. You should be showing me how i owe this debt when i know i dont. In pursuant to 18 USC 8 all debts are a obligation of the united states. so I dont owe this debt they do. Also you stated in a letter that i recieved before that you are the original credit which is incorrect this consumer credit transaction would not have been able to come about with out my social security number which is the only way that you were able to recieve these funds. 15 usc 1692a ( 3 ) I am the consumer ( 4 ) as i stated above I am the original creditor of this account I am demanding that this account be removed from my consumer report as i previously requested because I didnt give you written permission to add this account to my report at any time. You have also sold several things to XXXX XXXX XXXX as well which is annother violation 15 USC 1692d, 15 usc1692c. You have caused me so many issues from not being able to get jobs because of the things you illegally reported. To having my phone constantly ringing from your debt collectors to you blowing up my email. then not even allowing me to login to said accounts. Also you are sending positive balance statements which means you have already been paid for these accounts so you are actually double dippimg trying to get extra money in which is illegal as well. you have charged off most of my accounts with you all and i have never received a 1099 for. XXXX I should check with the irs inregards to that because thats illegal as well.Pursuant to 15 USC 1692k I am demanding that these accounts be removed immediately and a check or all security interest and any amounts paid on these accounts be returned to the name and address listed on this complaint with in 15 days. 15 USC 1692I i am well aware of.
Product: Credit card

Dear Sir/Madam : Account was created on XX/XX/year>. 
Merchant : XXXX Furniture XXXX New XXXX XXXX XXXX XXXX, XXXX, NC XXXX Bank : Sychrony XXXX XXXX The first time I aware of this account was when I received the credit card which sent to me from Sychrony Bank Home store credit. The day the application for credit card was done by the merchant salesperson I ( XXXX XXXX ) and my XXXX XXXX XXXX XXXX ) were in the Merchants store called XXXXXXXX XXXX to see if there is a sofa of our choice. One of the salespersons approach us and ask to help us in selecting the best choice. After some time, we identify one of the sofas as our choice but did not decide to buy because we told the salesperson " First we are going to ask our children whether they also like it. '' The salesperson said " okay '' and continue " let 's see whether the bank approve you for financial ''. That time we gave him the information he needs ( he also used the value of the item ). We gave the information only for the purpose to know whether XXXX XXXX is going to be approved for financing and not for credit card application and we do not decide to buy the item at that time. As soon as we received the credit card which we did not apply for, we did a phone call to the merchant and told them that they did a mistake to apply for credit card for us and request immediate cancelation of the credit card. However, they don't want to cancel unless we pay 25 % of the transaction amount. 
That was an insult to us, and we disagreed and ask Sychrony Bank to cancel the account for so many times and they sided with the merchant and decline our request. There is not any transaction, and we did not have any received items from the merchant. We did not ask even for financing it was the salesperson idea.

I do not owe any money, no delivery of any furniture received, and no delivery date scheduled.

I do not know how this practice is defined whether it is fraud, misleading, cheating or manipulating.

Sychrony Bank and the Merchant are cooperating together to abuse me and my family and request both of them to close the account, however, both of them declined. 

me and my family are working hard to fulfill our daily lives, and I am looking for your support in providing a solution to the issue. 

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

I am a victim of identity theft. I have advised the creditor and credit bureaus and they have refused to remove the fraudulent accounts.
Product: Credit card or prepaid card

I have a credit card account with Penn Fed Credit Union. I completed one of their transfer balance checks for XXXX dollars made out to my XXXX XXXX account to pay a balance off. I mailed the check at the outside mailbox at the USPS at XXXX XXXX in XXXX XXXX. It posted to my Penn Fed account on XXXX. 

In early XXXX I checked with XXXX XXXX as the XXXX dollar payment never posted to the account. They researched it and said that they never received the check or any payment from Penn Fed. 

Since then I have made numerous calls to Pen Fed. They sent me the canceled check it was the same check I wrote with the XXXX XXXX account number in the memo section but some one had washed out the name of XXXX XXXX and put an individuals name in it's place, despite this Pen Fed cashed the check and posted it to my account. In my numerous calls to Pen Fed they agreed with me that this was fraud and that I would be reimbursed the XXXX but nothing has happened. I need them to address this.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is in relation to the reporting of late payments on accounts and the reporting of a bankruptcy on credit reports. When a bankruptcy is filed, the filer is counseled not to pay any payments on installment accounts. 
However, there are two separate sections which are reported negatively on the credit report for those same past due payments- thus, you are dinged in two separate categories negatively for the same transactions. 
One category cites legal actions including bankruptcies and the other category cites delinquencies. 
If the only reported delinquencies occurred during the filing of the bankruptcy, during a period in which you are counseled not to make payments due to the bankruptcy, then those same transactions negatively impact your credit score twice- which is 50 % of your credit score, rather than the 15 % of the score for publicly recorded issues or 35 % of the score for late payments. 
These same transactions which are included in the bankruptcy ( and state so on the report ) should not be delinquencies reported separately ( which thus critically hurts the credit score in an imbalanced method ).
Product: Mortgage

No income during Corona virus. Need to defer mortgage payments and pay on back end of loan
Product: Debt collection

Talk to XXXX on XX/XX/2019ragarding issues on account MCM # XXXX. Was told the account was not reporting to Credit Bureaus as well as an attempt to collect but can not be sued.
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Product: Credit card or prepaid card

I got notifications on XX/XX/23 that my cash app account was closed for my business. I made a number of calls and chat asking to explain how and why and can I voice my concerns and report a complaint many agents hung up in my face and stated they dont have any information for me but I broke a rule they cant even explain to me and wont allow my account to be open
Product: Mortgage

The lender did not properly disclose the closing cost and I paid fees i did not know about.
Product: Mortgage

New Rez financial has required me to pay for PMI in violation of the HPA for the last 30 months ( approximately ). 

I initially requested that PMI be removed from my account in the fall of XXXX. I was advised at that time that I would have to have an appraisal done ( costing {$400.00} ) for them to consider my request. When my home didn't appraise for enough money, I was advised that my loan was scheduled to reach 78 % of the my loan 's original value within the next several months and that PMI would then automatically be removed from my monthly mortgage payment. 

When PMI wasn't removed, I made a second request in XXXX of XXXX. I was advised that I would have to pay {$150.00} for a BPO appraisal in order to have my PMI eliminated. I paid for the BPO appraisal. I believe I was improperly required to pay for this second appraisal as the value of my loan was was well-below 78 % of its original value. 

New Rez advised me that they were eliminating PMI from my account earlier this month although they have not indicated that they would refund the PMI premiums that were improperly collected. I contacted them via email seeking a refund of ( 1 ) the improperly charged PMI payments, ( 2 ) a refund of the {$150.00} I was required to pay for the BPO appraisal ; and {$2000.00} in statutory fees as provided for in the HPA. New Rez has not responded.