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

I have been paying my business credit card payment early, always above the minum payment. I have had no activity on the card in more than two years, just paying on a low balance. I finally closed the card account just over a year ago.

I have been paying the business card payment from my personal Bank of America Account since I closed my business more than two years ago. 
My XXXX payment was due on XX/XX/XXXX, minimum payment due was {$160.00}.

I paid it, early as usual, on XX/XX/XXXX. and paid {$200.00}. On XX/XX/XXXX, I logged onto my account to view my balance and noticed a debit charge " in process '' Description PAYMENT TO ACCOUNT XXXX XXXX ON XX/XX/XXXX VIA CALL AGENT for {$160.00}. 
I called bank of America and spoke with customer service they had no idea what the charge was where it came from and offered no explanation. I recognized the last 4 digits of the account number to be my CLOSED card account that I have been paying on. I called Business services and after researching and letting the customer service rep that I had NOT set up any auto debit. I manually pay early monthly etc. She places me on hold, comes back and tells me that Bank of America DEBITED my PERSONAL account to pay my monthly credit card payment on my BUSINESS account.

I asked WHY, I have never been late, always early and pay over the minum balance. THEN she informs me that they have been doing this for the past 14 months!!!!! DOUBLE DIPPING. I have been paying them and they have been extracting the monthly minimum payment from my account. No one contacted me by mail, by email, by phone - and asked they just simply started debiting my personal account. 
I have been preoccupied with the recent XXXX XXXX XXXX XXXX  of my husband and have not been monitoring the account closely. Needless to say, I was in tears. HOW IS THIS LEGAL? I could understand If I were late, skipping payments, but I HAVE NEVER BEEN LATE.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, at the XXXX XXXX, TX XXXX Dealership, my husband and I went to a XXXX dealership to investigate buying a new vehicle. We told our salesman as well as the sales manager to only do a soft credit check and not to send anything off to any banks. After refusing to buy a car from their dealership, and 3 hours of waiting for some kind of offer on paper, we asked for our keys back to our trade in, and to cancel any proceedings. As we felt we had been treated poorly, and informed them we would be going to a different XXXX dealership with better customer service. After informing us of my fico score of XXXX or so, XXXX hours after we left, I received multiple notifications that our questions and personal information had been forwarded to every bank they do business with, against our specific instructions, and without our knowledge to make it harder for me to purchase a car even from another XXXX dealer. It was done out of spite after refusing to buy from their location.
Product: Credit reporting

About 3 weeks ago I tried to get my free annual credit reports. I received XXXX reports but, Equifax responded with the attached screen shot. I just had to fill out all of my information again and when I submitted the info I got the same message. If they ca n't even keep their web site working, how accurate is their information in my credit report. Incidentally, last year I was not able to get a report either????
Product: Debt collection

LVNV FUNDING LLC IS STATING I OPEN AN ACCOUNT WITH THEM XXXX XXXX AND OWE {$9300.00}. MY ORGINAL CREDITOR IS XXXX ACCOUNT OPENED XX/XX/XXXX. LAST PAYMENT MADE WAS XXXX XXXX AMOUNT OWED {$750.00}. IVE WRITEN LETTER AND THEY ARE STATING I JUST OPENED THIS ACCOUNT. THIS SHOULD HAVE BEEN REMOVED FROM MY CREDIT XX/XX/XXXX. IT IS BEING REPORTED EVERY MONTH AS A NEW DEBIT.
Product: Debt collection

Good morning, I was unable to make land line to make with this company it is extremely difficult to make contact with anyone and the credit department at ( XXXX ) XXXX. I wish to opt out of. Per the FCRA as a federal protected consumer I'm not opting out of any and all authorizations I the consumer may have given you written/unwritten, verbal and nonverbal per 15-USC 6802.

Pre the IRS This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate!
Product: Credit reporting or other personal consumer reports

In accordance to the Fair Credit Reporting Act, This creditor has violated my rights. Under 15USC 1681 SECTION 602 states I have the right to privacy. 15USC 1681 SECTION 604a SECTION 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC 1666b a creditor may not treat a payment on a credit account under an open and consumer credit plan as late for any purpose.
Product: Debt collection

In early XX/XX/2020, I was made aware of XXXX debts on my credit report listed by National Credit Adjusters. 

To save me some time and trouble I immediately called them the same day, XX/XX/XXXX, to get my account numbers and notify them I'd be sending in a letter with an offer of payment for removal of this unverified and unacknowledged debt from my credit report. I wrote the letter that day and sent it via certified mail not long after. 

This letter also outlined my request that I either get an approval of my offer within 15 days, or I revoke my offer and request full detailed validation of the debt as I'm afforded by the FDCPA. 

I have received no response, and repeated attempts to call them now are not answered - I wait on hold for an agent only to be quickly hung-up on. 

It is worth noting here, to save myself a potential step of back-and-forth, that I had the address listed as " XXXX XXXX XXXX XXXX '' in the letter itself since that was how the company 's address was listed on my credit report. However, it was pointed out at the post office when setting up the certified mailing that the address doesn't exist, and it was sent to the correct address on XXXX XXXX.
Product: Checking or savings account

More than three weeks ago, my account was blocked due to a verification issue. Despite providing all necessary identification and documentation in person at the Citibank branch in XXXX, I have been unable to access my funds. The verification process involves sending a code by mail, which takes 7-10 business days to arrive. This outdated method is highly inefficient and prevents access to my account despite my in-person verification. 

This situation is not unique to me ; many other customers have reported similar problems on social media and XXXX. It is concerning that a major bank in 2024 still relies on such an outdated and cumbersome process, causing undue delays and inconvenience. 

I have now waited for over 45 days without a satisfactory resolution or explanation. I have also filed a complaint with the Better Business Bureau ( BBB ) due to the lack of progress and the significant impact on my financial situation. 

I request an immediate and thorough investigation into this issue. I urge you to unblock my account without further delay and restore access to my funds. Please provide a detailed explanation for the account block and confirm once my account has been reactivated. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained my credit report online. There was U. S. Bankruptcy Court items listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file.

The Bankruptcy Court has mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW.

My inquiry to the U. S. Bankruptcy Courts confirmed Credit Bureau has  never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately.
Product: Credit reporting 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 Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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.

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: Checking or savings account

The check I received from work ( XXXX XXXX XXXX ) on Friday XX/XX/XXXX for {$440.00}, which I have been depositing through Bank Of America ATMs for the last two years and which have always been paid out by the company and never caused problems. was placed on a hold by the bank. Upon calling Bank Of America to inquire about this the next morning, I was informed that the hold would last until the XXXX, and that my first {$200.00} deposited would be made available the morning of the XXXX. I need those funds to make payments by Monday XX/XX/XXXX, but the bank representative I talked to was extremely unhelpful, saying that there was nothing they could do to reverse the hold or push up the payment of the first {$200.00}, which according to their policy must be made available the day after my deposit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Within the time XXXX XXXX XXXX. I applied for a XXXX credit card. I did so because Credit Karma who i have a active account with posted to my account that i was pre-approved for said card! I was denied! Hard inquiry was now on my report XXXX became hesitant in acquiring another credit card in fear of possible more Hard Inquiries and chances of being denied again, and how that would negatively affect my credit rating. I refrained from trying to improve my credit for 2 yrs. Hoping the negative inquiries would expire. After that Credit Karma posted to my account i would be approved for a XXXX according to their data. I was denied again by the car dealership! But the dealership of course still tried to sell me the car after i showed them on my phone, what Credit Karma sent me on my chances of being approved for such a loan. Unbenounced to me the dealership tried 3 other lenders while he had my info! All attempts got rejected!! And now in one shot i got 4! additonal Hard Inquiries!! On my credit report! As a result of these actions .I no longer use my account with Credit Karma for any accurate info regarding my Credit rating! As a loyal but highly aggrevatted consumer, this company has, taken advantage of the trust i gave them with my personal info.I expect to be compensated in the on going XXXX that is actively on against Credit Karma. For misleading marketing and other bad business practices
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I sent a transfer with the wise enterprise account, the amount is XXXX USD, and the transfer number is # XXXX. After they deducted the money from my amex checking account, they delayed the transfer. On XX/XX/XXXX, they blocked my account, and did not tell me when they would return the money to me
Product: Checking or savings account

I have been a customer of XXXX, which recently was acquired by U.S. Bank. On Saturday XX/XX/XXXX, I was frozen out of any access to my online checking account, such that I could not even check my balance. By Tuesday XX/XX/XXXX, access was back up only if I filled out a form to create a U.S. Bank online account. However, I have not received my debit card in the mail, and U.S. Bank ( as my bank now is ) cancelled my XXXX debit card, so that I can not pay bills, withdraw cash, or otherwise have access to my money. This was compounded by the servers for online banking crashing for U.S. Bank, such that I currently have no debit card or access to online banking, putting me in unexpected financial precarity. I would respectfully submit the bank failed in its duty of care to customers during the merger, when these foreseeable problems should have been anticipated and avoided. The handling of customers has left me and many other XXXX customers financially adrift, and is far below standard to which any financial institution ought to treat customers.
Product: Debt collection

I have no recollection of this account. It appeared on my account XX/XX/2022.
Product: Credit card

They said statements were sent but I can't find them anywhere. They say its my problem. They did not send statements! My XXXX XXXX went from XXXX to XXXX and I also paid late fees and interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX XXXXXXXX Balance XXXX {$6800.00} XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXXXXXX XXXX XXXXXXXX Original creditor : XXXX XXXX XXXX Balance : {$3900.00}.
Product: Student loan

Submitted a request on loan makers paperwork for working at non-profit. They acknowledge they have the paperwork, and after multiple submittals ( which they have received ), and a letter, no determination has been provided. 

I am at the end of my rope on this loan. They don't respond to paperwork, they play games with me on the phone. Please ask them to respond to my request. It is affecting my health and well being. 

XXXX XXXX
Product: Mortgage

On XX/XX/XXXX, I purchased a property for {$490000.00}, using lender XXXX XXXX XXXX. The monthly payment was {$2500.00}. The payment included the principal, interest, PMI, and escrow account. The escrow account included annual property taxes calculated at {$6100.00}. All this information is included in the Closing Statement. 

I was informed that my loan was sold to Wells Fargo. I received a letter from Wells Fargo dated XX/XX/XXXX reporting that there was an escrow shortage of {$2600.00} because of the annual property taxes increasing. The monthly payment would increase to {$3000.00}. 

I spoke with XXXX  Wells Fargo, XXXX XXXX, XXXX XXXX as well as the Real Estate Agent to address this matter. A mediation letter was sent on XX/XX/XXXX requesting a settlement to address the matter that would affect me in perpetuity. I received a letter from Wells Fargo dated XX/XX/XXXX that acknowledged that the annual property taxes were calculated incorrectly and should have been calculated at {$8800.00}, not {$6100.00}. The letter also reported that XXXX paid {$3100.00} to cover the escrow shortage for XXXX. 

XXXX sent a letter dated XX/XX/XXXX, that does not agree to a settlement. 

Another mediation letter was sent on XX/XX/XXXX reporting the failure to disclose the payment accurately and the hardship. I also explained that I did not accept the {$3100.00} as a settlement. The monthly payment increased to {$2800.00} because of the property taxes being documented incorrectly at closing. 

I sent a letter to Wells Fargo on XX/XX/XXXX asking for the PMI to be removed and the escrow account to be removed to assist with reducing the monthly payment. I informed Wells Fargo that I was still looking into other options to address the matter of the annual property taxes.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts and inquiries are not mine they was made without my permission, or consent,. inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, All the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is pass the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681u 1681 Section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 Which states a consumer reporting agency can not furnish a account without my written instructions or consent, 15 USC 1666 Bravo which states A creditor may not treat a payment on a consumer credit card plan as a late payment for any reason the inquiries must be removed immediately thank you.
Product: Debt collection

In XXXX when I obtained a private student loan from a bank while attending XXXX XXXX at XXXX XXXX XXXX did not go through the school 's financial aid department and were sent directly to myself. This is called a direct-to-consumer loan. XXXX XXXX XXXX bought my loan and CFPB knows the rest of the story with XXXX. Mutiple loan servicers you did not know who to pay most of the time and eventually my loan defaulted. XXXX XXXX XXXX has zero accountabilty and allegedly hired a Collection Attorney Firm to sue me, however, I did not know anything about it and so ultimately a default judgement was granted in XXXX. In XXXX, the Collections Attorneys from XXXX XXXX XXXX, XXXX filed a wage garnishment against me. I was terminated and my job losses now total {$700000.00}. 
Next, I filed XXXX  XXXX bankruptcy in the XXXX XXXX Bankruptcy Court in XXXX and the discharge was granted on XX/XX/XXXX. This was a different county that the default judgement was obtained. XXXX XXXX XXXX knows it is discharged based on the year of the loan being XXXX. Direct to consumer loans are dischargeable in bankruptcy because the funds are not sent to the school and not used for education. XXXX just got another entity to do their illegal collections, XXXX XXXX and XXXX. There is no doubt it has been discharged, however, the judgement is in a different county and the bankruptcy court does not send individual discharge paperwork to all the creditors. 
Currently, CFPB lawsuit against XXXX XXXX XXXX will have to work through tghe appeal process and hopefully XXXX will finally be held accountable and be regulated by the CFPB. My only option now is to file a FDCPA class action lawsuit against XXXX XXXX and XXXX for collecting on a debt that has been discharged in bankruptcy. 
Conclusion and Question : Will my loan be included with the recent lawsuit initiated by CFPB against XXXX XXXX XXXX XXXX on XX/XX/XXXX? Is there a chance to recoup some of my wages lost through this student-loan secuirization process with done by XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to this company on XX/XX/2020 disputing unknown and incorrect items listed on my credit report. As of today, XX/XX/2020, I still have not received any response and I feel that they are taking advantage of me and not adhering to the law. In Section 611 ( a ) of the FCRA, it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted right away. I am requesting help from the CFPB with this company in order to have these unknown accounts deleted immediately. If the company does not comply even with help from the CFPB, I will file for litigation regarding the stress and pain this situation has caused me. I also informed these companies that my information was impacted by the recent XXXX  data breach and I suspect this contributed to inaccurate items on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I wrote to these companies requesting an investigation into items that I believed were INNACCURATE. To date, I have not received a reply or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. These Accounts are in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy these Bankruptcies shouldn't be on my credit/consumer report. Under 15 U.S. Code 1681b Permissible purposes of consumer reports, I never gave them any written consent to report anything on my consumer reports no consent is identity theft. I have also attached a letter from the bankruptcy court stating they did not give my information to the credit buearus.
Product: Credit card or prepaid card

I received an offer from another card for 0 % financing on balance transfers. I had 3 transfers set. 2 have gone through, US Bank still waiting for Chase Bank to process theirs. It has been over a week since the other 2 have processed. I'm inclined to think Chase bank is holding out the process so they can gain more interest out of me for their purpose of making money.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts on my credit report that aren't mind. Please remove them.
Product: Credit reporting or other personal consumer reports

THIS IS MY 2ND AND LAST REQUEST TO THE CRA 'S REQUESTING THE INACCURATE AND INCOMPLETE INFORMATION DELETED. ISENT MY LAST LETTER ON XXXX TO XXXX, XXXX, AND EXPERIAN AND I HAVE NOT RECEIVED ANYTHING FROM THEM CONCERNING MY REQUEST.
Product: Credit reporting or other personal consumer reports

Whom It May Concern : I am writing to formally dispute inaccurate personal information that is currently being reported on my consumer file, as provided by your agency. I have recently reviewed my credit report ( Reference Number : XXXX ) and have identified erroneous details which are both incorrect and not a reflection of my personal history. 

In accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am asserting my right to challenge and dispute inaccurate information on my credit report. The FCRA mandates that each piece of information on a consumer 's credit report must be accurate, complete, and within the credit reporting time frame.