23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I Purchased a motorcycle from Yamaha Motor Finance. The account information was put in my husband 's email and phone number so I could not access the account. My husband died on the motorcycle XX/XX/2023. The insurance company sent multiple checks to Yamaha Motor Finance to pay for the motorcycle as it was totaled. Yamaha motor finance lost the checks and waited months to apply them to my account. Upon inquiring with their customer service, they had no idea who sent the checks, and they weren't accounted for on my account. Multiple service representatives hung up on me during my time of grief when I tried to explain my case. I was led to believe no one was qualified to update the late payments to reflect as accurate information on my consumer report. Still to this day after multiple attempts the company refuses to hear my case or transfer me to someone who can help. Also, the company refuses to disclose names of supervisors they are correlating with while as I'm on the phone.
Product: Mortgage

I am being charged fees just to pay my mortgage, issue has not been resolved. 


Previous complaint XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed several times with the agency Navy Federal Credit Union Reporting inaccurate information to the Credit Reporting Agency. I also disputed with my claim with XXXX, stating my claim is disputed and requesting validation of the debt in paticular " FIRST DATE OF DELINQUENCY '' The Navy Federal account " Charge off account '' balance {$17000.00} became delinquent in 2014, account was not brought current. This account should be removed from my XXXX Credit Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out in my credit report inquiries that I have never authorized. I do not recognize any of them. This is illegal and highly detrimental to my credit rating. I know that sometimes companies without any authorization and permission pulling credit profile. Well, by this message I would like to let you know that I do not recognize these inquiries and I have never given any permission to any company to do something like this. So please remove all of them as I can not move on in my life when I have unknown information in my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to dispute an unauthorized credit inquiry on my credit report. I did not authorize these inquiries, nor do I have any business or relationship with these accounts.
Product: Mortgage

The company did not provide us with any formal application. Everything was done over the phone. 
We sent a e-mail and call the company and explain we were not happy with their conduct. 
XX/XX/2021 Dear Mr. XXXX or XXXX We are not going to go though with the loan, we found a Bank that will handle our loan, therefore, we are requesting that you forward our XXXX dollars, and the real estate license appraisal on our home Thank you for your consideration - again we have found a Bank that will handle the loan, and a lawyer is working with us at this time The Bank is going to pay for the appraisal- Again thank you WE received a call on XX/XX/2021 Call Notify from XXXX - XXXX XXXX at XX/XX/2021 XXXX XXXX- This call was about the complaint and wanting us to contiue, we told him no Today we received a notice : Dear XXXX XXXX , Attached is documentation regarding the loan application which you placed with Royal United Mortgage LLC . If you have any questions regarding this documentation please contact XXXX XXXX at XXXX or XXXX. 

Sincerely, Royal United Mortgage
Product: Credit reporting or other personal consumer reports

My account with XXXX, XXXX XXXX, XXXX, AND 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 USC Code 1681eb. 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. 15 USC 1666b 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!

15 USC 1666b ( a ) 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX, XXXX XXXX, XXXX, AND XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

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 1002 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, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX All three of these inquiries was opened without my permission and I want them removed
Product: Checking or savings account

I went into the XXXX MN Wells Fargo branch. I spoke with XXXX XXXX about a garnishment that was taken from my account on XX/XX/2023 for {$61.00}. I provided him with an exemption form that was filled out proving my exemption from garnishment. He said not only did he not want to take any forms from me but I'm not allowed to speak with the legal department. He asked me to wait in their waiting area and said he would contact the legal department. He then came back and said if I wanted to give him any forms to submit to the legal department he would do his best to TRY to get it to them but could not guarantee me that he would. I also said I do not want to see any NSF fees applied to my account because of this unlawful garnishment. He told me he could do nothing about that. I have now figured out how to contact the legal department at Wells Fargo. I submitted a complaint with them that they never served me with documents to prove my exemption and that they unlawfully allowed an exemption to be taken. The legal department at Wells Fargo said based on my exemption they received on XX/XX/2023 it should have been reviewed immediately and my account should have been refunded the garnished amount. If that were to have happened I would not have XXXX NSF fees applied to my account for other transactions processed through my account. So now I have XXXX {$35.00} NSF fees applied as of XX/XX/2023 because this garnishment made my account negative so that the other transactions were not covered. The legal department told me I'd be on my own to dispute that with customer service. My account is currently at - {$130.00} and I can not get anyone to help me. Not the bank or the law firm who served the garnishment request on the bank.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block, Kic. ) ( to i le quato customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process 0:37 was untair and Deceptive, as they didnot E comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

I purchased furniture from XXXX XXXX  they assisted me in taking a loan out from XXXX XXXX XXXX. I have never received my furniture. I have been giving the run around between these two companies to retrieve my money. No luck at all. So I contacted Bank of America and disputed the claim. I was told more than once that if the problem wasnt resolved by XX/XX/XXXX that I would receive a credit. XX/XX/XXXX came I called Bank of America again after being told that you were open by a bank associate and you guys were clearly closed. So Monday XX/XX/XXXX I called and now they are telling me Im Not eligible for a credit. How is this possible or fair to me when I was told BY MORE THEN ONE ASSOCIATE that I would receive a credit on XX/XX/XXXX???? Why was I told this if it wasnt true?????? This has inconvienced me so bad. They refused to give me customer relations contact info.
Product: Credit reporting or other personal consumer reports

My consumer report has false information that is portraying my ability to manage credit incorrectly. This is both incomplete and not XXXX  % accurate, which is a violation of my rights under FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXX XXXXXXXX Balance : {$2100.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$6200.00} XXXX  XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 USC Code 1681eb. 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 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b 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! 15 USC 1666b ( a ) 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX .Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 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 1002 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 8
Product: Money transfer, virtual currency, or money service

My Complaint is against Capital One Bank : I am a small business owner of XXXX XXXX XXXX. I am a XXXX XXXX XXXX and XXXX XXXX I had made an ACH transfer on XX/XX/XXXX in the amount of {$10000.00} to my consultant XXXX XXXX. XXXX informed me he did not receive the money on XX/XX/XXXX and within 24 hours on releasing the email received by me was a phishing email I stopped payment. Below are the details of the bank and account number to where ACH was initiated. 

Bank : XXXX XXXX  Account Number : XXXX ACH Routing Number : XXXX Checking Bank Address : XXXX XXXX XXXX, XXXX XXXX, NJ XXXX After about 35 days of waiting for a response from Capital One I went to XXXX XXXX  and was informed that the routing number is correct however, XXXX XXXX  has only 10 digit account numbers and the above being a 12 digit account number the money would have been returned within three business days to Capital One. 
Today, it is more than 2 months ( 63 days ) and I am yet to hear from Capital One on the status of my money. 
Not a single representative from Capital One has ever taken the trouble to call me. Unlike XXXX XXXX  from whom I received three phone calls within a span of 2 weeks from their Fraud Detection Department. 
Capital One has also kept me on hold for more than 2 hours with no response and they keep transferring my call from one department to another. 
Your support here will be greatly appreciated.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

This complaint is made against BB & T Bank in that the bank froze accounts belonging to [ Fiance Name ] to support their clearing of an out-of-state check made out to [ My Name ] and put into her account on XXXX. The bank put a 3 day hold on the check and cleared same on XXXX as a courtesy to the customer. The customer was trying to verify the check was a good one and relied on the bank to hold same until funds cleared to ensure its authenticity. The customer/consumer was not aware of what processes the bank used by which to release funds and did not ask for any special or courtesy accommodation in authenticating the check. 

Point 1 : According to the Federal Reserve Bank, a reasonable length of time for an in-state check to clear funds is determined to be 24 hours and at the most 72 hours ; Point 2 : According to the Federal Reserve Bank, a reasonable length of time for an out-of-state check to clear funds is determined to be at least 5-7 days and sometimes up to 10 ; Point 3 : Items 5 and 6 are usually those relied upon by a consumer making a deposit ; Please see attached COMPLAINT. I have all supporting documentation.
Product: Debt collection

I am constantly receiving calls from Portfolio llc, I have spoken to them on a couple occasions and fully explained my financial situation on Thursday XX/XX/2019, I had ask them to stop calling me and that their calls were becoming a point of harassment they stated that they would note the account to have the phone call stopped. As of XX/XX/2019 they still continue
Product: Mortgage

This is not a duplicate complaint. The last complaint was basically ignored. I have attached records that Suntrust does not seem to have. 

In XXXX I was forced to refinance my second mortgage with Suntrust Mortgage. 

This was to refinance a XXXX Massachusetts High Cost Home Loan with SunTrust Mortgage. 

Suntrust never properly rectified the original high cost home loan. They claim they had refunded me the interest of the previous loan, but this money was used for closing costs of the new loan. All of the funds of the previous loan went into the closing of the new loan. They also did not properly notify me that they were in violation of the statue. 

This created a new Massachusetts High Cost Home loan since I paid the closing cost. Suntrust has denied this, but I was able to obtain the check that I was then forced to sign over to attorney for closing costs. This is fraud. 

Since this was a Massachusetts High Cost Home Loan, I had an extended right to rescind. 

I exercised this absolute right to rescind which SunTrust ignored. They did not dispute or in any way argue against this recession. I have attached the rescission letter, and email I had sent. I also attached the USPS form that shows SunTrust received this rescission. 

Since this loan was rescinded SunTrust does not have the right to report this a mortgage account. 

I had previously been offered {$15000.00} to settle this loan. In a previous complaint SunTrust had said that they had not record of this. I still have these records and have also attached them. 

In short Suntrust does not have the right to report the mortgage since it was properly rescinded and they never disputed this rescission. 

Please see attached : 1. The right to rescind letter and form 2. The first page of the email that I sent to SunTrust which was a copy for the rescission mentioned in # 1 3. Copy of the Bank Check provided to the Real Estate Attorney with the instructions to immediately sign over to attorney. Not sure if Suntrust or Attorney made this note. 
4. The letter from XXXX XXXX on behalf of Suntrust offering {$15000.00} to settle case.
Product: Credit reporting or other personal consumer reports

The company XXXX XXXX XXXX Account NumberXXXX has not provided any information to validate this debt as accurate and mine. The company has only provided to me a copy of a fraudulent auto loan contract which I have attached to this complaint. 

Under law 15USC6801 and 15USC6802 requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found, please remove the inquiry from the three main credit bureaus.
Product: Debt collection

XXXX XXXX XXXX seized my vehicle this morning without attempting to communicate with me in person. By doing so, they took possessions of mine that are in the car. I am in the process of filing Chapter XXXX ( have not finished filing paperwork with court but have been working with an attorney for over a week ). I have both electronic key fobs but do not know where the car was towed so that I can retrieve my items and return the keys. 

I want to return the keys and retrieve my items as well as check under the seats for any other personal things.
Product: Debt collection

My wages started getting garnished from Asset Acceptance for a debt that is past the Statue of Limitation to be garnished. I was not served any court notices or anything. This is illegal and they amount they are stating I owe is not right.
Product: Debt collection

I recently closed my XXXX XXXX XXXX account. Before I paid the final bill ( which I paid well within XXXX XXXX 's demands ), I was sent a letter from the Enhanced Recovery Company dated for XXXX XXXX, 2015 saying my account had been sent to collections and I owed XXXX dollars. I did n't receive this letter until XXXX XXXX due to it being forwarded from my old address. 

I paid my final bill on XXXX XXXX, 2015. Upon calling XXXX XXXX 's customer service, I found that my closed account was in good standing and had not been sent to collections. I believe that the ERC is at fault for attempting collections on me.
Product: Debt collection

I have been going back and forth with the three credit bureaus about these energy companies in Texas opening fraudulent accounts in my name. I filed a report back on XX/XX/2023 for the same exact thing. I live in New Jersey and have no ties to Texas. This is fraudulent activity obviously. Please look into this this and flag any further collections. 

Original Creditor : XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/2023 Balance : {$670.00} Collector : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX Original Creditor : XXXX XXXX Account # : XXXX Date Opened : XX/XX/2023 Balance : {$1100.00} Collector : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX Original Creditor : XXXX XXXX Account # : XXXX Date Opened : XX/XX/2023 Balance : {$280.00} Collector : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX Original Creditor : XXXX XXXX Account # : XXXX Date Opened : XX/XX/2023 Balance : {$320.00} Collector : XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

They stole my personal cridentials to open a car policy and a car load. i dispute this many times with experian and keeps coming back as accurate. this is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been writing to the credit reporting company for about a year now trying to get this XXXX XXXX account remove from my account as fraud. I have requested that they send me proof that this account is not fraud and as of today I still dont have antthing from they. I was this remove from my account. They removed the credit inquiry but not the account. I have disputed this with XXXX at least XXXX other times with no response
Product: Payday loan, title loan, or personal loan

Applied for a loan then was told they had to talk to Social Security to verify information and then they wanted all personal info. plus Income proof even after saying loan was approved and verified they said that because of the way the direct deposit fell they needed 3 months banks statements this sounds very shady plus it supposedly comes from an Indian reservation yet the calls # XXXX XXXX XXXX are coming from XXXX wyoming and their mail form says they do not have to follow the fair lending act or abide by fed credit rules
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation. 
XXXX XXXXXXXX Balance : {$12000.00} & DPEDXXXX XXXXXXXX Balance : {$0.00}
Product: Debt collection

I 'm getting calls at work about this matter that I think is XXXX years old. I can not perfom my job properly after these calls, they are XXXX me out.
Product: Vehicle loan or lease

I made payments over the phone that BMW attempted to debit from the wrong checking account. I have called and spoken with phone reps who told me even though they made a typo that it is my responsibility to make my payment. I made my payment and they made an error.