23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I made a payment of {$3700.00} on XX/XX/. The funds from this payment were held and my available credit was not updated until XX/XX/. I have been making large payments for months and was aware that the company had a tendency to process payments slowly or hold payments from available credit. I understand this practice and policy and respect it. However, I had called in the past and asked specific details related to payment processing in my available credit, and was given various different answers. Although this is absolutely just human error and does not change their policy, this human error caused a massive impact to me. I made this exceptionally large payment as part of paying my bill in full with the understanding, based on previous conversations, that I would be able to use the available credit within a few business days, I had a bill due for my electric at a much higher amount than normal that was requiring payment or electric services would be interrupted. I have called in the past and had holes removed, but in this instance, the hole can not be removed, likely due to the large amount of my payment. Although again, understandable because of misinformation, this was impact my ability to pay a bill. I talked to several individuals and actually asked to be escalated to their executive offices following complete standards, and was told that I would get a call back. I have not received any communication whether verbally or in writing. My funds were eventually released. However, I had to remit payment from borrowed funds and from what was left to pay my bill in full. This is caused late fees from my electric company that I paid, and because I did not pay my bill in full interest charges for the account. This fall information seems very deceptive and altering an impactful. Additionally, theres no way for them to return funds from a payment or release them even with proof from the bank for situations such as mine. Meaning if they truly had a bank error that caused the customer would be out of luck, and they could cause real harm.
Product: Debt collection

I recently filed a complaint CFPB about XXXX, there were two negative accounts before the complaint was initiated. One was deleted before the investigation was completed, the other was deleted after the investigation. Merchants and Professionals have put another ridiculous amount on my credit, {$26.00}. I have no idea why people would attempt to ruin your credit with such a small amount during a pandemic, It was reported on XXXX, I have no idea where this debt is from. I've never received a bill for {$26.00} in my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX  with account Santander 's bank and dept of education / 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently won suit against XXXX XXXX XXXX XXXX  for Misreporting and Violating FCRA by reporting incorrect information. Account that was incorrectly reported is : XXXX Home Equity Loan # XXXX. Open : XX/XX/XXXX. I have court order that XXXX was reporting in violation of law, and that account needs to be deleted I tried to fix this issue with Experian back on XX/XX/XXXX by sending to this credit reporting agency a notice that I won the case and requested them to please BLOCK this account. I eve attached the lawsuit judgment as proof of case won. 

Please help me to block this information since its my right because I won the case and this credit bureau is still reporting this account. 

Please review the ATTACEHD LAWSUIT JUDGMENT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received notification from XXXX XXXX that there were an Inquiry from XXXX XXXX on XX/XX/XXXX that i did not authorize. There are also Inquiries made on XX/XX/XXXX for XXXXl, XXXX XXXX bank from XX/XX/XXXX, XXXX from XXXX XXXX, XXXX XXXX Bank XXXX XX/XX/XXXX along with an Inquiry from XX/XX/XXXX from XXXX Bank that i also.did not authorize.
Product: Credit reporting, credit repair services, or other personal consumer reports

N accordance with the fair credit reporting act XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A. Setion 2 it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I am unable to connect to the TransUnion website to view or Dispute. 
Neither will TransUnion Consumer Files download on XXXX I think due to their willful non compliance Deleting my 2 unauthorized fraudulent identity theft Student loans accounts they are removing my ability to dispute directly
Product: Bank account or service

I reported in XX/XX/XXXX against a furniture store to Bank of America and XXXX XXXX that the furniture store would not accept a return I asked for reporting the item was defective and fraud. I was assured that the charges would be reversed under such conditions.. A banking representative indicated all she needed was a statement in order to reverse charges for a refund, which I did. I made several attempts to return a Mattress, several phone calls, etc. I am requesting my funds to be reversed back in my checking account. The bank indicated too much time has lapsed when I reported this issue in a timely manner. 
As a consequence, the merchant had every excuse not to return the Mattress. 
A Banking representative even contacted XXXX XXXX and everyone at the store indicated that he or she can not speak English. However, on the contrary ; the furniture store ; in particular wrote in English and XXXX who answered the phone wrote the order. 
Recently as of yesterday ; the bank stated that my charges could not be reversed due to a time-lapse. I wrote all my statements and provided information in a timely manner to Bank Of America. Bank of America has insurance for such claims. Bank of America reversed the charges from my checking account in the amount of {$580.00}. 
This has been going on for seven months, and this claim should have been resolved. 
The Merchant even indicated to the Bank that I am enjoying the mattress ; which I never used and welcome the opportunity even today for XXXX XXXX to pick up the Mattress. 
I contacted the Merchant immediately after receipt of this Mattress, and the merchant was very uncooperative, and I could not even speak to a representative which is unethical business practice and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the market to purchase a home so I got a copy of all 3 credit bureaus. 

My score is considered very good in the XXXX range, however, someone or some company with ill intent has applied for multiple credit cards under my name unauthorized. 

This has harmed my credit standing and my score making it seem as though I'm seeking credit. 

I currently use about 8 % utilization and have well over $ XXXX in available credit. It would be senseless to apply for more credit despite having an exorbitant amount of low or XXXX percent interest at my disposal.
Product: Credit reporting or other personal consumer reports

I requested that TransUnion Credit Bureau investigate this matter and provide me with written confirmation once the updates have been made. Additionally, I would like to receive an updated copy of my credit report reflecting these changes. 
Contact Information : Should you require any further information or documentation, please do not hesitate to contact me at XXXX or via email at XXXXThank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

transunion is reporting my chXXXX  under public records which is a private matter to me. according to 15 USC 1681 ( a ) this company is in violation of my right to privacy and the information they posted on my credit file i wish to be private. this company infringed on my right to privacy. please help me with this matter.
Product: Student loan

I spoke with the private loan provider Sallie Mae in 2018 about payment options. They advised there were only 2 options. The first option was to pay {$550.00} a month with low interest and the second option was to pay {$500.00} a month with higher interest with no possibility of a revised payment plan
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not make none of these hard inquiries...
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institute and Zelle failed to investigate my claim adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, 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 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX XXXX {$840.00}, XXXX XXXX XXXX {$700.00}, LVNV Funding LLC, {$360.00} XXXX XXXX XXXX {$250.00}, XXXX XXXX XXXX {$230.00}, and XXXX XXXX XXXX {$230.00} has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Bank account or service

On XXXX I noticed that my Bank of America account was in the negative, and that an overdraft protection fee had been applied to my account without any charges prompting a negative balance. Essentially we were charged for an overdraft fee when our account was not in the negative ; this fee then caused our account to be taken into the negative. We were given an overdraft transfer feel when our account was n't actually over-drafted, and this fee ultimately created a negative account. 

My husband, who shares the account with me called Bank of America to inquire why they would post the charges this way ( some past charges were not posted in real-time ) he was told that the transactions could be deceptive but were unwilling to refund the {$10.00} overdraft fee which caused our account to go into the negative -- when there was NO need for the overdraft fee to be applied in the XXXX place.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  BALANCE {$2300.00}
Product: Checking or savings account

I am the new Secretary/Treasurer of XXXX XXXX XXXX. I am currently trying to obtain statements showing the XX/XX/2022 and XX/XX/2022 value of CDs held by Truist ( formerly Sun Trust Bank ). I tried to find these on the online banking application, but the system would not return any documents. 

I called the bank XXXX to try to obtain statements on XX/XX/2022, the first call was at XXXX XXXX. The XXXX time I called, the person on the phone told me that they don't have statements for CDs. I reviewed my predecessor 's statements for the calendar year and can not find any statement regarding the value of CDs. 

After speaking with my predecessor and conducting online research on what kinds of records banks should be keeping, I decided to call back at XXXX XXXX. I spoke with XXXX person who gave me the accrued interest, but was unable to tell me the principal of the CD at the beginning of 2022. I said that information was no help because the online banking only tells me the current value of the asset. There is no way for me to audit any of this information provided to me online. I was then transferred to some investment specialist who told me they can't help, but would transfer me back to banking. The investment specialist put me on hold and then said that there is an error in their system and I need to go to a branch. 

This is unreasonable as I live in Massachusetts and the nearest branch is in New Jersey. I don't know why they can not provide documents to me. I have full access to the bank account. Truist generally provides poor service, people at the branches are unable to assist, and seem unknowledgeable. 

I don't know why Truist can not put all this information on a consolidated statement. Looking through a year 's worth of statements, Truist has changed the way they report information.
Product: Credit reporting or other personal consumer reports

I have a bankruptcy that was reported by XXXX XXXX without consent as well as the account not being 100 % accurate. I asked them to verify and validate who provided the information to them. I was told that the courts provided the information to them. I provided documentation verifying that the courts do not report to credit bureaus nor share information. This alone goes against my rights according to the FCRA 15 USC 1681-E ( B ) and should therefore be removed from XXXX XXXX as well as all three credit Bureaus ( XXXX, Equifax, and XXXX ). 

I am sharing with you the documentation provided from the courts stating that they do not report or share information with the credit bureaus as well as documentation I submitted to XXXX XXXX. 

I would like to have this resolved in 15-30 days, updated on my credit report and removed from the reports with XXXX XXXX, XXXX, Equifax, and XXXX.
Product: Credit reporting or other personal consumer reports

I filed a report with XXXX, XXXX, and Transunion of in accurate information being reported. I reached out to the companies I furnished all documentation needed. Third parties companies are still putting in accurate information back on my credit report.
Product: Debt collection

Received a phone call at XXXX XXXX from XXXX to inform me that I was going to be served court papers on a civil case for outstanding debt case # XXXX and they were coming to my home and further told me the address. I told them I did not know what they were talking about. They gave me a phone # to contact XXXX which is called XXXX. The woman said she would be at my house in 30 minutes. 

I called them and they told me my ss # and that I owed $ to XXXX which I took out a loan on XXXX for XXXX XXXX XXXX and that I have not paid it back and was a sizable amount and why didnt I pay my bills. 

I do not owe XXXX and I have a closed account with them.
Product: Consumer Loan

I was enticed by Big Picture loans with an offer of pre-approved for loan. Well after XX/XX/XXXX I was down in money so decide to apply for a loan. I filled out the application and then it took a few minutes but what I didnt realize that I was not able to view the truth in lending disclosure before accepting the loan. Before I knew it I was now obligated to loan of 733.081 % yr interest and now paying XXXX a month for next 15 month. Also something that seems to unsafe is using my ssn # to log into their portal is not really something safe.
Product: Vehicle loan or lease

Complaint against Audi Financial Services : Excessive delay in releasing title. 

We paid off our lease in XX/XX/XXXX - six months later Audi has yet to release the title. As a result we have not been able to rewew our registration - due XX/XX/XXXX. We are forced to risk driving an unregistered vehicle or pay for extended car rental and will likely encounter fines for delay in registration when we do get the title. 
We have folllowed up with Audi Financial Services regularly - approximately every 1-2 weeks and have received shifting explanations, shifting timelines for releasing the title and no resolution. The explanation offered is, per conversations and a letter dated XX/XX/XXXX is " we are currently updating our titling process which may cause a delay in processing times. '' A six month delay is unacceptable and negligent, bordering on fraudulent business practice and we are seeking immediate release of the title.
Product: Student loan

On XX/XX/2023 a relative called in to payoff the value of my loan. Payment was pending/posted and then marked as reversed with 0 notification to me. 

Have called 3 times and waited an hour on hold to get 0 information.
Product: Credit reporting or other personal consumer reports

The LVNV Funding, LLC Company is reporting the amount of {$1800.00} on XX/XX/2024 was bought to collections, in which the original creditor XXXX XXXXXXXX XXXX has written off the debt. According to : 15 U.S. Code 1681s-2- Responsibilities of furnishes of information to consumer reporting agencies a. Duty Of Furnishers Of Information To Provide Accurate Information ( 1 ) Prohibition A. Reporting information with actual knowledge of errors 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. 

Duty : a moral or legal obligation, a responsibility Accurate : correct in all details, exact Prohibition : a law or regulation forbidding something I ask of you to have THIS ACCOUNT DELETED FROM MY CONSUMER REPORTS within 10 Calendar Days! Thank You!
Product: Credit reporting, credit repair services, or other personal consumer reports

All three bureaus. I have been trying to fight against fraud that happened at my school ( XXXX colleges online division ) since 2010. All of my expenses were covered under grants and student loans. I was told I would not have to pay until after graduation. I was lied to and a victim of financial fraud when just before graduation the school slapped me with {$10000.00} bill they said I had to pay before I could graduate. I couldnt afford it, obviously, so the school removed my credits ( I have all ready sent proof that I technically graduated to the DOE multiple times ) and stated I didnt finish all of my credits. I was on track to graduate with a very high GPA, never missed a class, never missed an assignment. They XXXX me and its caused a massive financial hardship since. Its destroyed my credit, prevented me from furthering my education, getting decent jobs, a cant get a mortgage etc. I have asked the DOE to prove I graduated and received my diploma ( Ive proven I havent ) or to forgive my loans and remove all negatives from my credit report. This is the LEAST they could do for ruining my life. They stated I missed some sort of deadline which is false. I reached out everywhere I could think of after it happened but got blown off. Not much later my school closed because XXXX went bankrupt ( that started near the end of my classes ) and the deceit was finally exposed. I even forwarded the correspondence to the DOE with the emails I received regarding this. All I ask is for the DOE and credit reporting agencies PROVE I am wrong. If they cant, they need to wipe my records clean, wipe my loan because I owe a large amount of money for a product I didnt receive ( no fault of my own ) or we will end up in a civil battle for WAY more than the value of my loans.
Product: Credit card or prepaid card

Please help ... I have done everything within my ability to resolve my billing concerns with XXXX XXXX, including emailing the corporate office. I have not received a response from Corporate and received unfulfilled promises from Customer Service. 

I have had multiple store cards. XXXX XXXX, XXXX XXXX Credit Card, XXXX, A credit card used for Health Care, and Walmart. I have always paid my cards on time. About a year ago, XXXX XXXX took over some of the company cards. when calling, the system identifies the customer by the phone you use to dial the customer service number. Unfortunately this has created a nightmare. When I called I was thinking I was connect to one card, but a different card was being addressed. I can not access the bills on line, I can not get them mailed to me, I can not access the bills on line, nor can I find charge ( paper or on line ) One customer service agent told me to use a different phone and then say I did not know my account number when I call and that would assure that the correct bills got paid. 

Every month I try to pay I have to call customer service. This started with XXXX XXXX about ago. I took out the card to purchase tires. After a month I did not get a bill. I called the store. They gave me a number to call. I was told it was emailed to me. I made a payment and they waived a fee. I was told the concern was resolved. The next month I called again. I again told them I check my spam, my inbox, my XXXX XXXX   and I never received a bill. I was charged late fees. I paid excess of minimum. Then again the next month when I called I was told that no payments were posted and there were late fees. I paid the bill in full and closed the account. This echos experiences with XXXX XXXX XXXX and XXXX. I have finally paid all of my XXXX XXXX   cards only to learn that my Walmart Card has been taken over by Synchrony. 

Regarding my XXXX XXXX XXXX card for two months I was told that they would correct the address and the concern that was prohibiting me from accessing my online account and to be able to see my bill. For two months this was not done. I have had my address corrected on the account since XX/XX/2017!! The computer does not acknowledge me current information so I can not access this on line. I then learned that the account I was making payments from was rejecting the ACH payment as possible fraud. ( For two months ) I did not know this because I never received a bill or any notice.

Please help ... I have done everything within my ability to resolve my billing concerns with XXXX XXXX, including emailing the corporate office. I have not received a response from Corporate and received unfulfilled promises from Customer Service. 

Thank you