23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX XXXX Account name : XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a payment arrangement with GM Financial on XX/XX/2020 for my XXXX payment which was due on XX/XX/2020 and for my XXXX payment due XX/XX/2020, both to be paid on XX/XX/2020. I expressed during the XX/XX/XXXX arrangement that my payment tardiness was due to Covid-19 related issues. I gave them my checking account and routing information to secure payment arrangement. On XX/XX/XXXX and XXXX I received notices that my credit report had been updated and my credit score dropped 41 points because I'd been marked with a 30 day late on my credit reports. I called GM Financial to discuss the matter and asked them to remove the late payment because I believe I'm protected under the cares act that states : If your lender does make an agreement or accommodation with you : How your lenders report your account to credit reporting agencies under the CARES Act depends on whether you are current or already delinquent when this agreement is made. These reporting requirements apply only if you are making any payments required by the agreement. 
If your account is already delinquent and you make an agreement, and you bring your account current, the creditor must report that you are current on your loan or account. 
This CARES Act requirement applies only to agreements made between XX/XX/2020 and the later of either : 120 days after XX/XX/2020 or 120 days after the national emergency concerning COVID19 ends. 

GM Financial stated during the XX/XX/2020 phone conversation I initiated that it was up to their discretion as to how they report late to the credit reporting companies and that their specialists will not reverse the 30 late.
Product: Mortgage

On XX/XX/XXXX, I signed a closing eDoc, and on that document, it indicated that was was to get around {$16.00} for a refund. When the notary appeared at my home, those documents were different. I was to pay {$290.00}. I asked the notary about it, but he said he did not work for XXXX XXXX. He told me that I had 20 days to change my mind. I signed the documents, and then sent an email to XXXX XXXX, and I made a phone call. I figured they wee never going to call me back, so I called XXXX to set up the wire because I was afraid if I did not, I would get kicked out of the bank 's house. 

I downloaded the eDoc and I have to one from the notary. There are also other differences as well, but that was the first one I noticed. 

I thank you in advance for your assistance. 

XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Venmo apparently suspended my account the same hour i opened it. I was also never sent an email informing me that my account was suspended i had only found out because i tried to transfer money to my bank i have literally one transaction ( THE ONLY TRANSACTION ) and it was from my neighbor i contacted venmo but they said that my situation should be handled by a " account specialist '' but i have NOT been contacted and my money is sitting here and i have bills to pay. Please XXXX XXXX XXXX XXXX XXXX look into this company.
Product: Credit reporting or other personal consumer reports

Ive submitted documents showing the account status is closed, to take the comments of pending litigation off the consumer statement section and the balance is {$0.00}. They have not updated my credit with it showing paid and closed, nor deleted the consumer statement. I uploaded XXXX documents from DSHS WA showing the account closure and the release of lien along with the updated balance history showing {$0.00} and litigation is complete.
Product: Credit card or prepaid card

Wells Fargo is gouging people on interest, continuing their unethical business practices. I have been a cardholder for approximately 1 year. I have a credit score of approximately 710+. I have no late payments or over limits with Wells Fargo. Wells Fargo has insisted on charging me their highest interest rate, nearly 27 % on my credit card once my promotional period ends. It is completely unacceptable to have a rate this high, especially with my credit profile. I have asked repeatedly for the rate to be reviewed and lowered to the range of my other credit cards which are 13 % to 20 %. They have refused - in what seems to be violation of US federal law which requires rates to be periodically reviewed. Their customer service pretends to care but really just gives you the run around so they can continue to gouge you. It is appalling.
Product: Debt collection

Account info Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. {$1.00}, XXXX past due as of XXXX XXXX. 
Status updated XX/XX/XXXX Balance {$1800.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance {$1800.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX XXXX XXXX XXXX That is the name of the company I supposedly had services from that I allegedly originally owed. I looked them up and could only find any information on them about having an XXXX rating with the XXXX XXXX XXXX multiple people have had the same situation where they have not been to any of their physical locations and they have been charged similar amounts of money.
Product: Debt collection

XXXX XXXX sent me a bill for {$1200.00}. Bill was due on XX/XX/XXXX. I paid in 2 parts directly via e-banking from my banking account. Paid {$650.00} on XX/XX/XXXX and {$570.00}. XXXX 's system is inept. 
I spoke with XXXX on XX/XX/XXXX at XXXX XXXX. She said she would review and clear the debt. I also filed the documents via their XXXX and XXXX. 
XXXX sent me to debt collection. I spoke with XXXX on XX/XX/XXXX at XXXX am XXXX. He told me to send in the documents. I have sent the documents. 
This is harassment. I have paid my bill. Their system is inept. Why is my credit be affected. Please help. 
Credit Collection Services - XXXX Thank you. 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to the credit reporting companies outlining the inaccuracies, errors and violations on their reports and they are stonewalling and my efforts My legal rights under 15 U.S.C 1681 sections 602A, privacy rights has been violated. 
15 U.S.C.1681 section 604 A, disclosures and of furnishing stipulations have been violated.

15 U.S.C.1681c ( a ) ( 5 ). Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax in reference to several accounts that are appearing in my credit file that contain inaccurate information. The following accounts are remaining on my credit about even after I disputed it on several occasions, XXXX,XX/XX/XXXX and XXXX. I have supply my I did it though affidavit along with my identification and a police report and B 's in accurate items remain on my credit report. Items have been delete it from the other two agencies. The accounts are : ( Collections ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX was removed but put back on my credit report. ( Inquiries ) XXXX on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted disputes to inaccuracies on my credit reports and Trans Union and XXXX have refused to investigate them because they believe " I '' am not submitting these disputes. 

I have provided them with follow up information, ID, and confirmed the information in my credit bureaus and they still refuse to investigate.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and saw accounts reporting that I don't recognize.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen according to a letter from the IRS, XXXX AND XXXX. Because the IRS had a massive database breach, that prompted me to check my credit. Upon checking my credit, I have noticed that several inquiries that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC already. The FTC Identity Theft Report number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fallen victim to identity theft, resulting in a violation of my rights as outlined in 15 USC 1681c-2 and 15 USC 1681b . I kindly request the immediate removal of the following account.
Product: Credit card or prepaid card

UMB Bank solicited my business by offering me {$200.00} as a reward incentive for which I qualified and my XXXX account was credited. 

The UMB Bank credit card solicitation promised ... '' With XXXXXXXX XXXX   Zero Liability Policy, you're not responsible for unauthorized charges .... ''. 

An 'unauthorized charge ' of {$140.00}, per 'sales ' invoice dated XX/XX/2019, was posted to my account. 

In lieu of UMB Bank honoring its " Zero Liability Policy '' the unauthorized charge of {$140.00} was debited against by {$200.00} cash reward incentive ( XXXX XXXX, 2019 )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXDept of Ed amount {$140.00} 15 U.S. Code 6802 ( b ) ( c ) Opt out, I was never given the opportunity to exercise my rights to opt out of having this alleged debt reporting on my consumer report.

15 U.S. Code 1681 a # 2 exclusions and ( B ) Any authorization or approval 1602 ( L ) Term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. This does not state anything about reporting of student loans is not credit.
Product: Credit reporting or other personal consumer reports

TransUnion is reporting that I owe {$120.00} but that is incorrect. I've received a letter from a collection company ( XXXX XXXX XXXX ) stating that I allegedly owe {$120.00} Why are the balances different? Who validated this charge?

According to15 U.S. Code 1681s2 You have a responsibility to furnish complete and accurate information. Delete the inaccurate account from my report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit Reporting act XXXX XXXX XXXX, has violated my rigths. 

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. 

I am not liable for this debt with XXXX XXXX XXXX XXXX. I do not have a contract with XXXX XXXX XXXX, they did not provide me with the original contract as i requested.
Product: Credit card or prepaid card

I have an {$11000.00} purchase I made using a 0 % balance transfer offer that expires this XXXX on XX/XX/XXXX. I just made a balance transfer payoff from another credit card company of {$11000.00} and an additional payment of {$640.00} XXXX beyond the minimum monthly payment of {$220.00} XXXX for a total of the original charge of {$11000.00}. 

I emailed customer service in advance and requested that these payments be applied to the expiring APR. Customer service replied that they would first apply any payments beyond the minimum payment due to any balance that isn't on a promo ( but I don't have any such balance ) and then they would apply it, at their discretion, anywhere they like, which " may '' result in paying off the balance that is due to expire in XXXX, not this XXXX! 

The credit card statement that shows the monthly payments does not show to what balance the {$250.00} I've been paying per month for the last year has been applied to. Nor does the fine print on the credit card statement detail how promotional APR balances are paid down from monthly or additional payments. 

As the consumer, I should certainly be able to request the expiring APR balance be paid with the 2 payments I just made and they are telling me " it's at their discretion '' ( I have attached a screenshot of their reply from customer service stating this ). 

This is taking advantage of me as a consumer to not be allowed to pay off an expiring promotional balance. And their policy of applying payments to any balance they like " at their discretion '' is not on their credit card statement either. I need help with this. 

XXXX XXXX
Product: Student loan

The information and payments from my student loan were transferred improperly. Mohela is starting my loan from the beginning. I had been paying on my student loan since XXXX before the payment pause. I had the loan adjusted in XXXX. Mohela is stating they did not receive that information. However, when I log in to my account I can see clearly on my loan detail page they have the correct information. They have stated they can not change my loan payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently incarcerated from year XXXX XXXX XXXX upon my release i tried filing taxes for stimulus help, however the person who stole all my personal info filed taxes in my name etc He actually confessed he did it. Your not coming home what you care for He owns a Tax Service in XXXX. ( XXXX XXXX XXXX ) He did that XXXX stuff etc. I noticed my information was gone year XXXX  upon his release. He has been literally LIVING off my name my identity its not right. So forth IVE DISPUTED THIS FALSE INFORMATION ATLEAST XXXX  times with proven Documents. Still nothing happen they just hang up!
Product: Credit reporting, credit repair services, or other personal consumer reports

BBVA Compass is reporting a deliquent credit card account that I never applied for.

It was opened XX/XX/2013 and had a credit limit of {$4000.00} and a balance of {$3900.00}.

The account is linked to an address in which I have never lived.
Product: Credit card or prepaid card

on XX/XX/XXXX i received an offer from XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. for application to XXXX Credit card, the terms were made over the phone, i just received an email from them where i have to signed. they never disclose all the details about the card, they just told me that i have 2 years without interest. the credit card was in the amount of {$6000.00}, and i only used {$4000.00} ( and never was used ) At the end i never used the money, we got an agreement to get the XXXX, but it was never done from my health condition, so we postpone the date, in the meaning time i was paying every month my credit card, until XX/XX/XXXX, (  when i only owed them {$2000.00} ) where XXXX send me an increase bill on the rates, and all the interest without let me know ( for 2 years, including all the money all ready paid, so my new bill come up {$3700.00} on XX/XX/XXXX ), something that not one explain me when i signed, and XXXX never send me a contract, i just got communication with XXXX XXXX. the only paper i received were the part to signed, no a contract. XXXX never send me a contract and never told me my interest rate. i got in contact with XXXX credit card customer service to resolve the issue, i was trying to pay then the full amount owed by me {$2000.00}, so i explained them that i never got a contract with them and i never received the right information, because it was done through XXXX XXXX XXXX without any contract, only information got from them was 2 years without interest. but it never said that i will have to paid all the interest all ready paid. they dont want to get a resolution for this, and they are trying to force me to pay the full amount until XX/XX/XXXX was {$4100.00} twice that was all ready paid. and more than XXXX XXXX took. they continue harassing me and bothering me telling me that they will send me to collection, and few time i called them to resolve this nightmare and pay them the amount i owed them {$2000.00}, but they wont accept it. and they dont stop calling. 
their paper bill size is 6.5x11 and the letters are really smaller that regular paper.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX I see that I have of inquiries that ive never apply before. 
Since XXXX I 'am a victim of identity theft and I contact each and one of the Credit beur to report the Fraudulent Inquiries company that requested my credit report to obtain services or credit cards that I've never apply before and I was told by Transunion that I have to make a police report I went to the police department and made the police report to Transunion and contact them by phone and by mail and their customer service would not help me or take care of the negative inquiries reporting to my credit report. that I never requested credit. 
these are the inquires that were made by someone who stolen my identity to obtain credit. 

1.XXXX XXXX XXXX - XX/XX/XXXX 2.XXXX XX/XX/XXXX 3.XXXX XX/XX/XXXX 4.XXXX XXXX XX/XX/XXXX 5.XXXX XXXX XXXX 6.XXXX XXXX XX/XX/XXXX 7.XXXX XXXX XX/XX/XXXX 8.XXXX XXXX XX/XX/XXXX 9.XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX 10.XXXX XXXX XX/XX/XXXX 11.XXXX XX/XX/XXXX XX/XX/XXXX 12. XXXX XX/XX/XXXX 13.XXXX XXXX XXXX, XXXX 14.XXXX XXXX XX/XX/XXXX 15.XXXX XX/XX/XXXX 16.XXXX XXXX XX/XX/XXXXXX/XX/XXXX
Product: Mortgage

I have owned my home for nearly 20 years. I am facing a foreclosure sale because my mortgage lender, Nationstar refuses to review my financial information and put any options on the table. Nationstar has stated to us that even though they received XXXX in government bailout funds that they are not obligated to participate, and that the investor on our particular loan does not offer any type of modification or retention options. This despite the fact that my wife and I earn a solid living and clearly fit into guidelines for government programs. This is a situation that could be fixed, but Nationstar will not assign a single point of contact, will not even look or consider ANY type of retention programs. I understand that possibly the investor has rules but it is common sense to try and FIX the problem when we have clearly demonstrated the ability to pay. 

We tried to talk to them about other options for retention outside of modification ( recapitalizing the late payments, repayment plan, etc. ) but they would not even CONSIDER this. I must say that I believe that this may have been racially motivated. My wife and I are XXXX XXXX and we were misled from the time we were talked into this bad adjustable rate loan ( starts at 7.5 % and can adjust as high as 14.5 % ) and then when we struggle we are told we ca n't even be CONSIDERED for a government program that we know our lender participates in. The agents who said they would help us and work with us soon became condescending and rude and then simply ignored us. This is not acceptable. I make a solid income through my social administration work. My wife is gainfully employed as well. We are not asking for a handout, just a fair shake. Nationstar has not given us one. We clearly fit into guidelines for help and this is an avoidable foreclosure. This situation is bad for our family, for our neighbors, for Pennsylvania and for our government that used taxpayer money to give Nationstar XXXX to help struggling homeowners!!!
Product: Mortgage

After my home mortgage was secured through XXXX XXXX, Amerihome mortgage purchased my loan. Since the purchase AmeriHome has not processed my payments in a timely manner. Since XXXX of XXXX, the time they processed my checks were delayed later and later until I received a late fee. The payment for XXXX was not processed until XX/XX/XXXX and the payment for XXXX was never processed even though I delivered proof that both payments were sent days prior to the start of each month so that the payments would be delivered on the XXXX of each month. I never received a phone call, email or any other correspondence outside that the initial email with the supporting documents were received. Their reasoning was that the mail was late delivering the payments, however the mail does not take 6 weeks to deliver an envelope and then the next month completely lose the payment altogether. The company is trying to assess a {$60.00} plus dollar late fee for their inability to track and process mail delivered to their address. After paying the missing payments to a representative on the phone on XX/XX/XXXX, Amerihome Mortgage then processed the check for XXXX payment on the same day resulting in 3 months worth of payments being process on the same day. All this after stating they never received the payment for XXXX.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXXXXXX
Product: Other financial service

Dear CFPB, I contacted Bank of America to close out my health savings account on XXXX XXXX, 2015. Bank of America advised me that the account would be closed and I would receive a refund check for the funds that were in the account. I received a check from BOA in the amount of {$570.00}. On XXXX XXXX, 2015 I deposited the check BOA owed me to my XXXX bank account. On XXXX XXXX, 2015 to my horrific surprise BOA reversed the check causing my bank account to be overdrafed and causing financial harm. I contacted BOA directly to find out why they took my money on XXXX XXXX and the response I received was, " We are sorry the check was reversed, we have been advised by other consumers of the same issue and we are working to escalate to find out why this happened and will contact you the latest Friday XXXX XXXX. '' Not only was BOA not helpful, they did n't not return my funds. Due to their incompetence, I now have to pay a reverse checking fee and overdraft fee. This is unacceptable and unethical what BOA has done to me. I am a hard working single woman who should not be penalized due to BOA terrible mistake. The worst thing about the entire situation is that they could not tell me why they took my money they owe me. I hereby demand that the {$570.00} be returned to my account immediately along with the {$22.00} for reverse check and overdraft fee I now have to pay. BOA has not only violated UDAAP laws, they have also caused stress and financial issues on my part for what they did.