23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  name and account numbers : 1. ) XXXX XXXX # XXXX 2. ) XXXX XXXX XXXX # XXXX, XXXX ; XXXX 3. ) XXXX XXXX # XXXX, XXXX ; XXXX 4. ) XXXX # XXXX has violated my rights. 15 USC 1681 section 602 A, states that I have the right to privacy.

15 USC 1681, 604 A section 2, also states the consumer reporting agency can not furnish an account without your written instructions.
Product: Credit card or prepaid card

On XX/XX/2020, I paid my friend using the XXXX app. I had done this previously without any issues. This time, Bank of America charged a {$10.00} cash equivalency fee as well as categorized it as a cash advance, which assesses a higher interest rate. This is something that had never been done before. The bank made no effort to advise me about the change in policy. I called Bank of America on XX/XX/XXXX and spoke to XXXX who refused to waive the fee. I asked to speak to a supervisor at which point she hung up on me. I then called back and spoke to XXXX who transferred me to her supervisor, XXXX who then transferred me to her supervisor, XXXX. In each case they refused to waive the fee and refused to reclassify the transaction as a regular purchase. While I understand the bank has changed their policy regarding charges made through XXXX and XXXX. This had never been communicated to me in the past. I feel it is dishonest of Bank of America to arbitrarily change its policies to charge additional fees without providing any forewarning. I understand the policy now, but feel the bank should waive the past fee and reclassify the transaction as a standard purchase.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Equifax XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, GA XXXX Date : XX/XX/2021 XXXX : XXXX Dear Credit Representative : I am disputing the account stated above. Previously, I disputed this account information as being inaccurate, you have failed to verify that this is indeed my debt. 

I enclosed copies of my requests asking them to validate the debt. I was given no evidence of my obligation to pay this debt to this collection agency. This debt is not mine. 

The Fair Credit Reporting act requires you to verify the validity of this within 30 days. If the validity can not be verified, you are obligated by law to remove it from my credit file. I urge you to remove this account before I am forced to take legal action. 

In the event that you can not verify the item pursuant to FCRA, and you continue to report it on my credit, I will find it necessary to sue you for actual damages and declaratory relief. According to FCRA regulations, I may sue you in any qualified state or federal court, including small claims court in my area. 

I look forward to a swift and amicable resolution to this matter. 

Sincerely,
Product: Checking or savings account

the bank took my funds due to 2 XXXX {$1400.00} XXXX deposits coming in on XX/XX/2021 that were third party deposits. they didnt only freeze the 2 deposits they said were against policy they took all of my money in the account, the XXXX that was in the account before the deposits were put in the account. That money didnt come from a third party deposit.
Product: Credit reporting or other personal consumer reports

I am a victim of the Equifax Information Services, LLC data breach ; since last year XX/XX/2022 I noticed numerous negative items on my consumer credit reports. The negative items were chargebacks, collections, late payments, hard inquiries that were fraudulently reporting. I hired a credit repair agency named XXXX XXXX XXXX and paid them approximately {$5000.00} to repair my credit which was unsuccessful. I have been denied numerous lines of credit, extensions of my credit which has cost well over {$20000.00} in out-of-pocket liquidated expenses because I do not have access to extensions of credit. I have sent a first and second notice to Equifax Information Services, LLC to remove all negative items on my credit report effective immediately. I have also reported fraudulent hard inquiries on my credit report to the Federal Trade Commission. I am attaching my FTC report, my proof that I am a victim of the Equifax data breach as per the Equifax data breach settlement website, credit repair agencies 's first and second agreement invoicing my payment installments, and the first and second notices sent to Equifax Information Services, LLC to remove all negative/incorrect items on my credit report.
Product: Consumer Loan

I purchased a vehicle from XXXX XXXX in XXXX. I traded-in my XXXX XXXX XXXX. 
I owed XXXX on the XXXX to NFCU. The vehicle I purchased a XXXX XXXX was sold to me XXXX. XXXX XXXX gave me XXXX for the XXXX leaving XXXX due on the loan. The dealership had me apply for the loan with NFCU. On the Buyers Order the dealer put N/A in the pay off amount. When asked about the N/A the dealership stated that NFCU required it for loan approval. the dealer It then put a XXXX down payment that they never asked for and I never paid. The balance due on the XXXX was XXXX. When I got the check from NFCU it was for XXXX not enough to pay for the XXXX. The dealership demanded that I pay more XXXX more. I did not have it. They said that they would take the kia back and put me in a XXXX XXXX. They said they spoke with NFCU and it was ok. The XXXX was horrible the door would not open the window would not go down and after two months the brake rotors had to be replaced. I do not know how it passed inspection. It failed when I took it for inspection. 
The XXXX was sold for XXXX. The Buyers Order for the XXXX and XXXX have the same date event though months passed between the two events. 
The buyers Order also have the same mileage for both cars. I could not get title to the XXXX and when I submitted the title for the XXXX to NFCU they said that it would not qualify for the loan that they made. NFCU increased my interest rate to 18 percent for an unsecured loan. NFCU also told me that the the XXXX I originally purchased with its loan was not in my name it was in the name of another servicemember and had two different member loans on it. 
How do you lend money on a car you already have a loan on.
Product: Debt collection

On XX/XX/XXXX i received a letter from my second mortgage company, GREENTREE, that i had been approved on my Home Equity account for a FULL PRINCIPLE FORGIVENESS due to a settlement w XXXX  XXXX XXXX and the Department of Justice. the letter went on to state " You do not need to take any further action to accept this offer. Your Home Equity account balance will " AUTOMATICALLY '' be forgiven UNLESS you call us. ( My Bankruptcy atty had been CC 'd on the letter but was never mentioned in the letter. My bankruptcy had been discharged XX/XX/XXXX .i understand i was no longer responsible personally for the debt, but this letter released the property as security for this loan. i still own this property and the first has continued to be current ) on XX/XX/XXXX i received a letter from XXXX XXXX XXXX that Ditech ( formerly Greentree ) had transferred the right to collect payments from me to XXXX XXXX XXXX ... The amount that they intend to collect is {$40000.00} the letter said to send a letter if you dispute the debt which i did. i called and spoke w XXXX XXXX and once again disputed the debt. He gave me his email sent an email XXXX so i sent another correspondence. i was afraid they might start foreclosure proceedings and i am a well known realtor in my community and the thought of reliving my name in the paper kept me up many many nights!!! i am proud to say i have been reestablishing credit. 
On XX/XX/XXXX i received another letter from XXXX XXXX XXXX that Greentree told them my attorney XXXX XXXX sent the extinguishment letter BACK and therefor the EXTINGUISHMENT WAS NOT PROCESSED!!! ( on the date of this letter the Bankruptcy had been discharged so he was no longer my attorney ... ) Greentree did not have the authority to process or not process the extinguishment. This was decided in a class action lawsuit with the DEPARTMENT OF JUSTICE! The Security Deed should have been cancelled! it has been 3 YEARS that Greentree did not abide by the ruling. i am not an attorney but it is definitely a violation of federal collection laws. i have all documentation that i will gladly send ... 
any assistance will be greatly appreciated!!!
Product: Payday loan, title loan, or personal loan

In the begging of XXXX  a sales representative from XXXX XXXX XXXX came to my door and spoke to my then husband, XXXX XXXX was convinced to buy solar panels with XXXX. I did not agree and told XXXX that it was a bad idea. I did not want the solar panels, however XXXX continued to coordinate with the XXXX  XXXX XXXX told me that he would pay for the panels and handle everything. XXXX  signed all of the paperwork and loan forms. A few months later XXXX and I split up and then I got a call from Goodleap ( the loan company that XXXX used ) saying that I owe on my loan. I was not aware that there was a loan in my name as I did not apply for a loan, agree to one, or sign any contracts. I found out that the loan was for {$95000.00} and that it was for the solar panels that I didn't even want. J states that when he signed the forms that they were enlarged on an XXXX for him to sign and initial, therefore he says that he did not see that it was in my name. The loan is in my name with my SS number, XXXX 's bank account info., phone number, initials, and signature. After going over the details with the Goodleap fraud department, the issue has still not been resolved and I am still being asked to pay for a loan that I did not agree to, apply for, or sign for. It has been four months since this issue has been under investigation for fraud and I still don't have an answer. I am being told/ threatened by Goodleap representatives that this will effect my credit if I don't make the payments. My credit has always been good, so this is very stressful and upsetting to me.
Product: Credit reporting or other personal consumer reports

To my understanding it is a violation of my rights under US law. Under the fair reporting act 15USC 1681 section 602 states that I have the right to privacy. 15 USC 1681 section 604 ( a ) section 2 reporting agency can not furnish an account without my written instructions. 15 USC 1661b ( 2 ) and pursuant to 15 USC 1666b a creditor may not treat a payment on a credit account as late for any purpose. Please remove these late payments under these US laws Account info Account name XXXX Account # XXXX Account type auto loan
Product: Debt collection

Because I did not understand the business of interest on my account with HomeDepot I recieved a statement with a balance of  XXXX  and  XXXX  in interest fees attached.The new balance is now  XXXX . This account was for a new roof on my home.i called the  HomeDepot  office and explained that I obviously did not understand the no interest fee. I was told I had to pay {$900.00} rightway or {$430.00} monthly.I explained I was unable to pay either amounts and was overwelmed by the new increase. I was told to call back last tuesday with a solution (  XXXX  ) but a lady from  HomeDepot  called me on monday (  XXXX  ) and told me under the hardship program I would have to pay {$240.00} a month starting  XXXX   XXXX . I did not have to pay for  XX/XX/XXXX We talked for some time and I told her repeatedly that it would be very difficult for me to pay even that amount.I explained that I was a senior on ss and a pension.To make a long story short I asked wh y wasn ; t info rmed of the balance and that I did have a problem with the roof when some of the shingles came off and had to be replaced.She kept telling me how sorry she was for my problem.But this was the only hardship she could offer. I told her I could't believe someone could n't have called me sooner. She kept insisting that I give her a answer for the {$240.00} a month, so I said I would try and pay it.She stated I would not be able to use the credit card and I told her that I would not use the card and not shop at  HomeDepot  ever again. This is the essence of my problem
Product: Mortgage

In XX/XX/XXXX, I requested any type of assistance from my lender since I fell behind on my mortgage payments. I was told to apply for financial assistance through my lender. I was asked if I applied before for a re modification and I said that I have and even stressed that I was worried that I wouldn't be approved since I already applied/ was approved in the past. Never once did they say that per FHA guidelines you can not apply for assistance within 24 months. We began the process of gathering all financial information and sent our first set of financial documents on XXXX. Over the next 2 months we went back and forth with our lender over issues stating that they didn't receive certain documents or we didn't sent the correct documents, but every single time when we would call to ask if what we sent was correct we were told yes. we spoke to numerous employees and all had different answers. We wouldn't find out that our documents were incorrect or missing until we received a document in the mail stating our package was incomplete. NO phone calls or answers to our questions when we would call to make sure they received said documents. We were always told it takes " 5 business days to review, call back on such and such date '' We also could never get in touch with our case worker in charge of our file. Never responded to messages or calls. Our case was closed 3 times over this which resulted in having to send everything over again to reopen our case. On XXXX, we received a letter that our package was complete and under review. During this time of going back and forth over missing documents, our mortgage went from being 3 months behind to 6 months behind. On XXXX I received a phone call that our request was denied due to reapplying for assistance within the FHA 24 month guideline. Not once did they mention this in the very beginning or else I would never be in this situation of possible foreclosure, declaring bankruptcy, etc.
Product: Credit reporting or other personal consumer reports

Account Number : XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX To Whom It May Concern : I have recently reviewed my credit reports and noticed you are claiming that a late payment has been made on my account. I do not remember ever being ( XXXX, XXXX, XXXX, XXXX, etc. ) late with apayment on this account. 

This is in line with 15USC 1681S-2b, under Responsibilities of furnishers of information to consumer reporting agencies..We insist that if no such documentation canbe provided, the late payment information must be expunged.. 

Please provide statements and records of all payments made and missed since I opened the account. In the absence of verifiable information about any late payments, please inform the credit reporting agencies that the account and all payments have been paid as agreed. 

Sincerely, XXXX XXXX
Product: Debt collection

I am XXXX XXXX XXXX and am submitting this complaint myself with no third party. I, XXXX XXXX XXXX consumer, sentient sovereign and original creditor of an account using my open-end credit plan. The following United States Codes Portfolio Recovery Associates , LLC has not abided by : 1 ) 15 USC 1602g : XX/XX/XXXX, Portfolio Recovery Associates , LLC claims XXXX XXXX XXXX  XXXX XXXX XXXX. ) doing business as XXXX  XXXX was the original creditor and they are the current creditor, 2 ) 15 USC 1692e : XX/XX/XXXX, Portfolio Recovery Associates , LLC claims XXXX XXXX XXXX  XXXX XXXX XXXX. ) was the original creditor and they are the current creditor, 3 ) 18 USC 1961 racketeering and extortion through interstate commerce, 4 ) 15 USC 1692j : deceptive forms creating a false belief of debt owed when all debt are obligations of the United States per 18 USC 8. I was notified of this transgression of my rights specifically 15 USC 1601- the Truth in Lending Act by Portfolio Recovery Associates , LLC on XX/XX/XXXX via US mail. According to 15 USC 1602 definitions of the Truth in Lending Act, I, as a natural sentient possessing an open-end credit plan was harmed by XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX adverse action was taken against me denying my rights, of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( iii ) are up to {$5000.00} per occurrence per offence. XXXX XXXX XXXX XXXX XXXX XXXX. ) and Portfolio Recovery Associates , LLC is now civilly liable to pay me for the damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX To Whom It May Concern : I received a copy of my credit report with the intention to trying to improve my credit and take care of my liabilities and noticed an issue on my previous account with a lender. I know the information associated with the account is not correct and needs to be updated. Unfortunately, my experience with XXXX XXXX in the end was not fond. On XX/XX/XXXX, I received a letter ( attached ) from XXXX XXXX informing me they were closing my credit card account with a refund of {$50.00}. This in turn showed me I did not owe them any monies after XXXX XXXX closed the account. I deposited the check and shredded my card for no usage. Recently, unfortunately, I received a notification that my credit balance increased and two late payments were reported to the credit bureau. This lowered my credit score for months after I went through hardships of building my credit back up from being labeled poor. Another issue I have is that XXXX XXXX does not have any record of sending the letter to me so my account incurred charges, late fees, late payment on my records and credit report. 


The Fair Credit Reporting Act where it said by law, I have the right to challenge anything I am sure is not up to date. 15 U.S.C.Sec. 1681i ( a ) gives me the right to request the account deleted if they do not make the account 100 percent correct or up-to-date. I saw on a credit site and board where this lawyer said they have 30 days to complete this investigation. Please investigate the following account and remove it if anything is missing, not up-to-date or correct. Below please complete the following to update the account or delete the account entirely : Account Name : XXXX XXXX Account last four : XXXX Close my account with the closing date of XX/XX/XXXX not with the date of XX/XX/XXXX. 
Remove any late payment dates after XX/XX/XXXX ( XX/XX/XXXX and XX/XX/XXXX late payment reported after XXXX XXXX closed the account ) Waive all the late fees and charges on the account incurred after XX/XX/XXXX ( account was supposed to be closed ). 
Change the credit card balance on the credit report from $ XXXX {$250.00} to {$0.00} ( prior to closing the account, it was paid up. That is why a check was issued to me ). 
Change amount Past Due to {$0.00} Change worst payment status to Current Please see attached XXXX XXXX letter that was received on XX/XX/XXXXXXXX  stating they were closing the account with the refund amount of {$50.00}. In addition, the reported misinformation on my credit report as of XX/XX/XXXX is attached. 

Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

This company orchestrated escalation directly contravenes the Fair Credit Reporting Act ( FCRA ), notably 15 U.S.C 1681. The provided list of accounts, specifically Grimm Collections ( XXXX  XXXX ), has been flagged for violating federally protected consumer rights to privacy under 15 U.S.C 1681 section 602 A. Furthermore, the company 's actions are inconsistent with the provisions outlined in 15 U.S.C 1681 section 604 A Section 2, prohibiting a consumer reporting agency from furnishing an account without written instructions. Additionally, 15 U.S.C 1681c ( a ) ( 5 ) Section specifies that a consumer reporting agency may not include any adverse information, except for records of convictions, that antedates the report by more than seven years. I have never done any business with this company and they DO NOT HAVE MY Written Instructions I HAVE MADE A POLICE REPORT THIS IS A OPEN ACCOUTN
Product: Mortgage

I have been trying to get in contact with a live person, company only offers chat and 800 #, chat refers me to the 800 #, 800 number is a automated machine that never connects me to a person there is no email option
Product: Credit reporting or other personal consumer reports

I have raised a Dispute with Experian, XXXX, XXXX for a closed XXXX XXXX XXXX XXXX account XXXX with XXXX XXXX XXXX The Creditor ( XXXX took over XXXX XXXX XXXX  relationship with XXXX XXXX XXXX XXXX ) has no record of a credit card account for XXXX ending in XXXX. Address of the Creditor has multiple versions with each of the credit score providers ( find below ). I am not liable for credit card account XXXX with XXXX XXXX and am requesting assistance to remove the account from each of the credit score providers : Experian, XXXX, XXXX. 

Experian - Online Account : XXXX XXXX XXXX XXXX, XXXX XXXX Experian - Credit Report : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX - Online Account : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX - Credit Report : XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX - Online Account : XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX - Credit Report : XXXX XXXX XXXX XXXX, XXXX  XXXX
Product: Checking or savings account

I have a check that I wrote to a vendor on Friday afternoon after XXXX XXXX and the Monday before that I had deposited a check that was returned and I learned from that on Saturday Morning. I went to deposit cash for the negative balance and to cover the check. Monday the check is presented and they charged me an overdraft having cash in the bank? according to the bank the cash is not available right away? in another distance also this bank put a deposit on hold over 2 weeks. What would they take 2 weeks to have funds available. I think this bank is abusing the customer and taking advantage and needs to stop.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX
Product: Checking or savings account

On XX/XX/year> I should have received my direct deposit. Thousands of people other than myself are experiencing the same problem. They have no estimate for resolution. Thousands of people who rely on their check are without funds to buy necessities. And even worse they gave no warning or notice of it happening. Theyre vague and rude when called and give no real information. They initially said the issue would be solved by noon.. then end of day now tomorrow. And some have been told theres no resolution and it may not be available till next week. It all remains to be seen. But many people are in a very difficult situation due to them not being able to fix their systems. And early this morning when they were first called they were saying there were no issues. They didnt even know their system was not working and made no efforts to fix it until receiving many many complaints and the media being involved with news stories.