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

Did not receive refund, on a XXXX XXXX  withdrawal amount, unauthorized, from XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
Received refund, for same amount, later, withdrawn again, from same payee and via my bank, Bank of America , N.A .. 
Bank of America , N.A . is causing me financial hardship, by not crediting my account with a very large number of large-amount deposits. All of those deposits have yet to reflect/depict - for my earned use. 
Benefactors, beneficiaries, creditors, lenders, consumers, all depend on my assets being in my own account and custody. 
This single transaction, is part of the problem. 
Criminal investigations and prosecutions must finally begin ; and my assets need to depict now finally in my account. Whether any corporate merger or restructuring, or not, I want my money, and reversal to all " insufficient funds '' fees applied. 
I will also then, after their ledger corrections, easily be able to pay my personal debts, in house and external bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX & XX/XX/XXXX, Great Lakes transferred some of my student loans to Nelnet. At that time, my monthly payment was {$0.00}. I never received any information regarding the transfer. I found out about the transfer in XX/XX/XXXX. Between XX/XX/XXXX & XX/XX/XXXX I was under an Emergency Declaration related to flooding. I contacted Great Lakes to ask for a deferment and it was granted. At no time did Great Lakes tell me that there was a change to my account and I had not noticed since I still had a monthly payment of {$0.00}. During the month of XXXX in XXXX, Nelnet reported a 90+ day late payment to all three credit bureaus. During XX/XX/XXXX, Nelnet applied a deferment for the period of the Emergency Declaration. Nelnet will not remove the late payment notification from my credit report. I have never paid Nelnet any money as of today ( XX/XX/XXXX ) and I do not owe them any money as of that date. Nelnet incorrectly reported by account as delinquent even though I did not owe them any money. I have tried contacting them and they refuse to change the reporting. They reported my as delinquent even though there was an Emergency Declaration and had not made any two-way communication with me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX 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 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: Student loan

I have an ongoing health/mental health XXXX XXXX since 2003 ) that prevents me from gainful employment and also from living an independent life. I work XXXX hours a week, making a total of $ XXXX {$500.00} per month. My doctors are willing to certify the truthfulness and extent of my XXXX. However, Navient, a private lender has a TPD whose wording is so narrow that someone like me can't possibly qualify. To qualify under their TPD, I would need to be totally XXXX, unable to work at all, and unable to earn anything, unlike the federal TPD. Under my XXXX, I can not work enough hours or make enough money to make even their smallest monthly payment amount.
Product: Credit reporting or other personal consumer reports

I have disputed that certain accounts attributed to me are either not mine, were not properly investigated, or contain inaccuracies due to your willful negligence. 

Your misrepresentation of facts has caused me harm and injury, and I demand the immediate correction and updating of these accounts without further delay. 

In the removal and finality of these accounts : XXXX XXXX : INQURIED ON XXXXXX/XX/year> NAME : XXXX XXXX ( ITS NOT ME, I KEEP GETTING CALLS FOR DEBT THAT I DID NOT ACQUIRE ) EMPLOYERS : XXXX XXXX, XXXX XXXX By reserving my rights under the administrative procedure, you have blatantly failed to follow your own policies. This negligence is unacceptable, and I demand immediate compliance with the proper procedures without exception or delay. 

Tacit Agreement : You agree and are obligated to pay me {$800.00} immediately. Failure to comply will be considered a deliberate breach of this agreement.
Product: Credit card

During XXXX and Citi deal over Costco credit card conversion, consumers accounts were transferred from XXXX to Citi. My account with XXXX was in good standing and was on autopay. Before I even received my Citi card, my Citi account already had past due balances and interest charges. This was extremely unfair to me as a good consumer -- 1. A charge on XXXX card should be paid to XXXX through preset auto-payment plan ; 2. Neither XXXX and Citi communicated clearly regarding " charge history '' transfer ; 3. Before I received my new Citi card, I had no knowledge of the existence of the new account, and I had no way of knowing how to pay because I did n't even know the account number ; 4. The Citi credit card account history existed before the card was issued to me, and before the card was activated, without consumer consent ; 5. Because of the technical failure in the transition, I incurred the late fee and interest charges before I even got the new credit card, which affected my credit history. 
6. How can a consumer incur late fee and interest charges before he/she was issued the credit card. There must be a law governing this. 
7. My XXXX account was in good standing and on Autopay. It is totally XXXX 's fault or Citi 's fault, or both in subjecting consumers to financial loss and credit loss. A consumer was not given any chance in the process to prevent such unfair treatment from happening. Our rights must be protected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a discrepancy in the reporting date and discharge date of an old bankruptcy that has aged past 10 years on reporting and discharge date and needs to be removed from XXXX and Experian. XXXX  XXXX Bankruptcy Status : Discharged Reference # : XXXX or XXXX I appreciate ongoing look into this as it is preventing me from moving forward in my house buying process.
Product: Checking or savings account

I deposited a check into my business account at Wells Fargo in XXXX Texas on XXXX XXXXXX/XX/XXXX, at XXXX pm. I asked the teller twice how long the hold would be on the check. The teller, XXXX, said she did not know, but the information would be printed on the receipt. The receipt ( transaction # XXXX XXXX ) stated that {$400.00} was available immediately and the remaining " {$28000.00} will be available on XXXX  XX/XX/XXXX ''. When I checked the bank on XXXX  XXXX - the deposit was in the available balance as promised. However, at about XXXX XXXX  I noticed that my debit card was acting strangely. It was not until around XXXX XXXX  that I received a message from XXXX concerning my debit card. At first, I thought it was a scam call - but after speaking with the gentleman- he offered to transfer me to Wells Fargo. I spoke with " XXXX '' ( he would not provide his full name ) in XXXX, Arizona. He informed me that I was some {$10000.00} overdrawn. After getting nowhere trying to figure out what was going on - " XXXX XXXX' transferred me to " XXXX '' - I was told that the bank had put a hold on the money after the fact. I was surprised since I had not been notified. XXXX explained that I would either get a message in my inbox on the Wells Fargo Website or a snail mail letter that would arrive in several days. How am I to make an informed decision when I receive the explanation days to weeks later? I finally did receive a message on the Wells Fargo Website- it was received on XXXX, XXXX, XXXX, XXXX - it had the reason for the hold that " The Deposited Check Exceeded {$5500.00} ''. If this is the case, why did the receipt ( a legal document ) not reflect this information? I can not call anyone other than the local branch bank, since I am a consumer with a business account and they do not talk to consumers - only branch bank personnel. And, Finally to add insult to injury - the hold as extended by a week- which only appeared to happen after I began to complain about the unfairness of their invisible rules.
Product: Mortgage

I've been attempting to refinance my mortgage for over 5 weeks now and new lender is being delayed due to an escrow closeout not being completed in FHA connection. It has been requested several times and not happened. 

Per HUD, the escrow closeout is a task that the lender who originated the loan ( i.e. the company whom you closed the loan with ) or the company who services the loan ( i.e. the one you send your mortgage payment to ) need to complete. 

Per new lender, this is preventing the case number from being transferred.
Product: Credit reporting or other personal consumer reports

I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

A company called 'Portfolio Recovery ' calls from a different number 2-4 times a day. Each time I block it another one pops up and this has been going on for about a year.
Product: Credit reporting or other personal consumer reports

I was notified by XXXX on XX/XX/year>, XX/XX/year> and XX/XX/year> that a credit report inquiry was requested from the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Lightstream - XX/XX/year> I have called all places to notify them to cancel all ongoing applications in my name. I have frozen all three credit bureaus and actively disputing these hard inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

For several years I have been a victim of fraudulent accounts and inaccurate reporting. 
XXXX ( XXXX XXXX XXXX XXXX continues to falsely and inaccurately report negative items to my credit report. I have no contract with them, they have never done me any service, they have never provided me any product and I don't know who they are. After several attempts to contact them they failed to disclose an agreement or reply. 

I wrote to them on XX/XX/XXXX and sent a follow-up correspondence XX/XX/XXXX and another one XX/XX/XXXX and still have not heard anything. 

within the Fair credit reporting act as a consumer my rights have been breached which are supposed to be protected by the Fair credit reporting act. my privacy and confidentiality is at stake because of this false reporting. 

IN REGARDS TO XXXX ( XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX under 15 U.S.C 1681 section 602 A.

according to the section my rights of privacy are recognized.

under 15 U.S.C 1681 Section 604 A Section 2 : this section states that a consumer reporting agency can not furnish an account or item without the consumers written instruction. 
XXXX never had any instructions from me. 

15 U.S.C 1681B- Section A under section A this states that the consumer must provide authorization for the agency to provide such report. 

I never authorized XXXX to make such reports. 


15 U.S.C 1681s-2 responsibilities of furnishers of information to consumer reporting agency. 
( a ) duty of furnishers of information to provide accurate information. 

inaccurate information is being reported By XXXX. 


I NEED THIS ACCOUNT DELETED
Product: Mortgage

I had a fire in XXXX 2016. The insurance made an insufficient payment of XXXX. I was forced to sue the insurer while the home sat damaged. I secured XXXX after suing the insurer. Only XXXX was released despite having evidence the home was 50 % complete. After fighting with the AmeriHome Mortgage third party loss draft service XXXX more was released. This check was issued to me but my name was misspelled. AmeriHome Mortgage would not accept the check at its clearing house after my bank took the check and gave me full credit for it. Once I made the deposit my bank manager confirmed funds with the mortgage clearing house but when the check arrived they refused allow the transaction to be completed. Since then my mortgage continues to address the problem and make appropriate steps to get me repair funds. This act caused me to breach contracts with trades men, workers and subcontractors. It also cause my bank to cease all available funds that were not repair related. Having spent repair money fixing the home now my account is also overdrawn. I also have been forced to rent a house and I am paying for it from my own funds while my home is unlivable. This process has also delayed the repair completion time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending this complaint the XXXX time following up my request for assistance to from XXXX, Equifax and XXXX Credit Bureaus for the removal of inquiries from my XXXX credit reports. I understand that inquiries on my credit report can impact my credit score, and as a responsible consumer, I strive to maintain an accurate and positive credit profile. Therefore, once more I kindly request your assistance, XXXX Credit Bureaus in promptly investigating and removing these inquiries listed below from my credit report : XXXX : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX EQUIFAX : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to resolve this issue with the credit report Bureau but they haven't resolved so I was forced to reach out to a higher power They are violating my privacy rights and can't funish my credit report without my written approval please help me remove these fraulent hard inquiries on my credit report credit bureau are following the Fair credit report act please help me resolve and remove these hard inquiries XXXX XXXX ( XX/XX/XXXX ) XXXX  XXXX ( XXXX ) XXXX XXXX XXXX  XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) XXXX XXXX ( XXXX )
Product: Credit card

My complaint filed with the CFPB : XXXX was based on the company 's response, XXXX XXXX  XXXX Today, I was contacted by Avant for a past due balance. In addition, XXXX, XXXX XXXX and XXXX have reported a negative credit rating from Avant. As stated in my complaint with CFPB, there was fraud committed off my checking account by the representatives of Avant following me making a payment toward my credit card on XX/XX/2023. I provided copies of the transaction and amount taken from my checking account to the XXXX  of Illinois, CFPB, the Attorney General 's offices of both the State of Illinois and Texas ( I am a resident of Texas ) and XXXX XXXX XXXX XXXX in Illinois. My Bank, XXXX XXXX filed a fraud claim against XXXX XXXX and XXXX date they have not responded. 
I would like my previous complaint and this complaint to be investigated by both The Federal Trade Commission and the CFPB due to the previous legal action that The Federal Trade Commission took against Avant.
Product: Checking or savings account

I'm beyond frustrated at Navy Federal!! I keep getting fees on top of fees. I'm making deposits and then charged NSF Fees and then when debit card purchases come through which if the funds were not in my account in the first placed would be declined. But when they clear my account I'm then charged overdraft fees. I was told on XX/XX/XXXX a debit card purchase for {$3.00} caused my account to become negative, but this is only after I was charged two {$29.00} NSF Fees at the time I used my debit card {$3.00} was available in my account. This same issue happened on XX/XX/XXXX when a debit card transaction cleared my account on XX/XX/XXXX for {$59.00} but I was not charged an overdraft fee of {$29.00}. It is absolutely ridiculous to charge me NSF fees and Overdraft fees at the same time once debit card purchases ( funds are in my account or purchase would be declined ) post to my account. Spoke to XXXX the supervisor on XX/XX/XXXX and she could not tell my why I was charged {$29.00} in once instance and not the other. It's infuriating when the financial institution you bank with can't even inform you when you are or are not assessed fees. In addition to this madness I was told XXXX was submitting the {$15.00} payment again through my account on XX/XX/XXXX ( can't see it and was told by XXXX that they do not submit ACH Payments twice, yeah ok ) I was told by XXXX to make deposit ( done at XXXX XXXX  on XX/XX/XXXX while on the phone with XXXX ) and call between XXXX - XXXX on XX/XX/XXXX to have transaction processed for payment only to be told by XXXX the supervisor that it is only a process that can occur if the error is on Navy Federal and between the hours of XXXX - XXXX ( deposit made at XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has been irresponsible to correct information on my credit report. I have contacted them by phone, by their web page ( dispute an error ) and by letter. 
I have sent all documents and they still havent change the error. 
This is related with cfpb complain # XXXX about XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Ensuring that payments on this account are always made on time has been my priority, ensuring they never lapse into overdue status. I'm unclear as to why there are reports of late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, corrections should be made.
Product: Checking or savings account

Citibank closed my business account ( XXXX XXXX XXXX ) due to suspicious activity and they said they will send me a check for my available funds that was in my account and I didnt receive it.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score on XX/XX/2021 was XXXX. 
My credit score currently has been dropped by XXXX  points to XXXX. 
Nothing material has changed on my credit report to cause this action. 
For example, due to COVID-19, all loans in forbearance, deferred to the end of the loan upon exiting forbearance, resuming regular payments, with all payments continuing to be current, under the CARES act should not cause this action as informed to me by the banks. 
I have asked the credit bureau to restore my credit score back to XXXX. 
This is yet to be done.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unfair business injury that I and my family has being under is totally unbearable. 

Can not get a loan for my business ; or any loans for that matter. 
The whole situation is very stressful on me and the family to the detrimental of break up the a marriage.
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. 

1. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX 2. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX 3. XXXX XXXX Date of inquiry : XX/XX/XXXX 4. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 5. XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX 6. XXXX Date of inquiry : XX/XX/XXXX 7. 
XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 8. XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX 9. XXXX Account Number : XXXX 10. XXXX XXXX Account Number : XXXX 11. XXXX XXXXXXXX XXXX Account Number : XXXX 12.XXXX XXXX XXXX Account Number : XXXX 13. XXXX XXXX  Account Number : XXXX 14. XXXX XXXX XXXX XXXX Account Number : XXXX 15. XXXX XXXX XXXX XXXX Account Number : XXXX 16. XXXX XXXX Account Number : 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 instruction 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 or other personal consumer reports

I believe FCRA 605B obliges us to eliminate any incorrect accounts from my credit report. Can you verify the documents? There are inaccuracies in the reporting, amounts, and dates of some listed accounts.
Product: Credit card

This is a general complaint on interest rates charged by credit cards. Daily I get offers from credit card companies with interest rates in excess of 19 %. These rates are extortion. How can. They justify them when banks are reporting record earnings?

There should be limits on maximum rates linked to an economic metric.XXXX
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. 


Account name : XXXX Account Number:XXXX Account name : XXXX XXXX  XXXX Account NumberXXXX  Account name XXXX XXXX XXXX Account Number:XXXX Account name : XXXX Account Number:XXXX Account name : XXXX  Account NumberXXXX Account name XXXX XXXX Account Number:XXXX Account name : XXXX XXXX Account NumberXXXX Account name : XXXX XXXX XXXX XXXX Account NumberXXXX  Account name : XXXX XXXX  Account NumberXXXX has violated my rights. Or 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.