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

My name is XXXX XXXX. I am a XXXX XXXX currently in XXXX in XXXX XXXX XXXX, UT. This past XXXX I had made the decision to pay the minimum payment for my student loans. Prior to this I had consistently over paid ( to pay down interest/principle ) w/ a great overall credit score to reflect this ( mid 700 's at that time ). In XXXX I had decided to lower my payment ( to minimum payment due ) to increase my liquidity given the Covid-19 pandemic. At that point, I had several colleagues who were furloughed  and or asked to take pay cuts. I was more or less trying to plan ahead for an unfortunate event like this. To my surprise, my credit score would drop by 55+ points ( XXXX and equifax ) secondary to my loans accruing slightly ( some by less than {$20.00} ). Obviously, I had no idea this was possible or I would have over paid like every other payment. The following month, the government decided to provide for loan deferments to specifically address this problem. I would like to file a formal complaint in that this situation/event should have been prevented and by no means have dropped my credit score so drastically ( if at all ) especially during a global pandemic. To make  matters worse, I am a XXXX XXXX XXXX   putting myself at increased exposure during this pandemic to find that there are little protections against a practice like this. This has been made more frustrating by the fact that I am actively trying to purchase my first home and no longer qualify for most XXXX  loans secondary to my change in credit score. By simply trying to do the " smart thing '' and " plan ahead '' I am no longer able to achieve milestones in my life that would have otherwise been easy to achieve. I have had discussions w/ my student loan servicer ( XXXX ) as well as the reporting agencies. I've been told that as long as the information is in fact correct ( that my loans did increase slightly ) that there is nothing they can do for me. Hence, the reasoning for my formal complaint to the CFPB.
Product: Debt collection

I have a few credit cards with a XXXX XXXX and have fallen behind on payments, Im now enrolled in a debt management plan, but in the meantime they call me 10 times a day minimum, they also contact my parents home phone and brothers cellphone and leave voicemails regarding my debt!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21, I applied for credit with XXXX XXXX XXXX XXXX but was denied and advised I would need to wait for the letter in the mail to determine why I was denied. When I received the letter from XXXX XXXX XXXX, I noticed my XXXX  score that was provided by Experian was incorrect which caused me to denied. I reached out first to XXXX XXXX XXXX  via the phone number on the letter to dispute but they stated their decision was based on what was provided by the credit bureau. 

I disputed the hard inquiry on my credit report in writing and asked they REMOVE the hard inquiry as they provided my XXXX score as XXXX which was inaccurate. I submitted proof to Experian by sending a screen shot of my XXXX score on XX/XX/21 proving my fico score was XXXX but they denied to remove the hard inquiry as XXXX XXXX. 

Experian was negligent and is demonstrating willful noncompliance per the FCRA by reporting inaccurate information which caused me to be denied services and impact my fico score. This is my last time disputing before reaching out to an attorney.
Product: Vehicle loan or lease

I was lied to when I purchased a car. On the website it clearly states in house finance and no credit check. The Salesman at XXXX XXXX XXXX some me a car checked my credit and also never informed me that he would sell my loan to a throes party company. As I signed documents for the vehicle he didnt go over each page with me letting me know what I was signing. He also added my spouse to the purchase of the vehicle without her consent. About six months into making payments I was informed that I had a new finance company.
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.

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. 

Account name : DEPTEDXXXX XXXX XXXXXXXX, Account name XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Account name XXXX # XXXX, Account XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Account name XXXXXXXX XXXX XXXXXXXX, Account name XXXXXXXX XXXX XXXXhas violated my rights.
Product: Credit card

Card issuer does not offer an option to enroll in automatic payments. I 'm not sure they even notify me about account balances. My credit has suffered as a result, because a few payments have been delayed. This is the PayPal Extra XXXX Mastercard associated with XXXX. I believe it 's through Synchrony Bank.
Product: Mortgage

Bank of America is again pushing their terms on me but years back I asked for proof and documentation that I am bound to Bank of America terms. Yes, this is an old issue but BOA has never provide proper and appropriate documentation. My loan originated with XXXX XXXX, then Countrywide and the question is not IF the loan could be transferred but instead simply want the legal details and documents of the transfer. BOA has sent my original loan docs probably 6 times, their terms countless times, they have said I need to contact others ... None of that is what I am looking for as again, this is not a question of 'if ' just the 'how ' which is the legal transfer of the loan, something signed or sealed by the court ... I however feel those claiming to service the loan and those benefiting from the servicing should be able to provide something as fundamental as this legal documentation, really seems like I should and could stop making my payments until BOA provides this. 

Now for the insurance issue, I do have current coverage on the home and when BOA provices that information, I will turn it over to BOA. Now that BOA can no longer pull money from my account as well as they have done so illegally in the past, I now wonder how they will deal with this?!?!? They can bill me and charge me fees, but I will re-state that my payments are only authorized to be used for principle and interest payments, if BOA terms state differently, then again, prove I am bound by those terms but also consider that the second I provide proof of my coverage, that means BOA is completely wrong with whatever actions taken and I 'm still pretty sure one day all of this will end up in court and the list of BOA illegal and/or unethical and/or inept actions have done nothing but expanded and I 'm guessing it will be interesting, and bad for BOA, when a judge sees what BOA has put me through. Of course I wish the CFPB would actually do their job but that seems like a stretch at this point. 

I will state again so there is no confusion, the payments I currently make to Bank of America are to only go to the principle and interest payments on the account, no part of the payments are to be used for fees or other charges. Further, I request all fees to be presented in writing and via USPS mail service, not digitally since BOA deploys deceptive reporting in an effort to confuse consumers ( using a general ledger format ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/2020 RE : ACCOUNT NUMBER ENDING IN XXXX DEAR XXXX XXXX, Thank you for contacting XXXX XXXX XXXX This letter is in response to your communications regarding the above-referenced account. 

Per your written request, we have closed out your account. This account will be reported to the credit Reporting agencies as CLOSED AT THE CONSUMERS REQUEST with a zero balance. 

If you have additional questions, please call our Customer Service Center at XXXX between XXXX XXXX. 
And XXXX XXXX Monday through Friday, or between XXXX XXXX  and XXXX XXXX on Saturday and Sunday ( Pacific Time ). 


Sincerely, XXXX XXXX XXXX  AS OF THIS DATE THEY HAVE CLOSED THE ACCOUNT BUT STILL REPORT A BALANCE TO ANY CREDIT REPORTING AGENCYS AS THIS BREIF LETTER STATED THE ACCOUNT WAS CLOSE AS PER MY REQUEST AND THEY STATED THAT THE ACCOUNT IN QUESTION HAD A ZERO BLANCE. THE REASON FOR CLOSING THE ACCOUNT THEY UNLAWFULLY CHARGED DURING THE SAME MONTH A LATE FEE AND OVER THE CREDIT LIMIT FEE, I POSTED A PAYMENT EARLY IN THE MONTH BEFORE THE MIMIMUM DUE DATE WAS PENDING ON THIS ACCOUNT AND THEY STILL  CHARGED ME BOTH FEES THUS THATS WHY I ASKED THE ACCOUNT TO BE CLOSED AS SEEING i ONLY DRAW SSI EVERY MONTH AND COULD NOT AFFORD THAT MUCH MONEY ON A XXXX DOLLAR CREDIT LIMIT CARD. PLUS I HAD TO PAY AN ANNUAL FEE OF OVER XXXX DOLLARS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to include my opt- in. opt- in to XXXX XXXX XXXX XXXX Experian and XXXX.
Product: Money transfer, virtual currency, or money service

Sent money twice to the wrong person via Paypal. 
The wrong person : XXXX XXXX XX/XX/XXXX : {$2100.00} XX/XX/XXXX : {$120.00} The correct person should be XXXX XXXX When I realized the wrong transaction happened on XX/XX/XXXX I communicated with the wrong person XXXX XXXX and requested refund but the person ignored. At the same date I filed a complaint to Paypal solution center for help but Paypal rejected. 

Case ID : XXXX Disputed amount : {$2100.00} USD Seller info : XXXX XXXX XXXX Date reported : XX/XX/2022 This is the feedback from Paypal : " After our review XXXX we found that certain transactions weren't unauthorized and hence couldn't be covered by PayPal Purchase Protection. ''
Product: Credit reporting or other personal consumer reports

Experian Information Solutions the credit reporting agency is reporting fraudulent information to my credit file and i am requesting that your company removes these accounts. To this complaint will be a copy of the FTC report with those fraudulent accounts.
Product: Checking or savings account

We opened an online savings account with Northwest Bank and we assured, in an email from the customer service person that opened the account, that if we needed to withdraw a large amount of money that we could do so by visiting a local branch. We were told that a cashiers check could be obtained anytime. We had an initial deposit, on XX/XX/XXXX, via a bank to bank transfer. We then made and additional XXXX deposits, XXXX cash on XX/XX/XXXX and XXXX via another bank to bank transfer on XX/XX/XXXX. After having numerous problems with the bank we decided to just continue with our original bank. I visited the local branch on XX/XX/XXXX, to closer the account and was informed that I could not because our funds were being held. The branch manager brought me into her office and made some calls to find out why our funds would be held, as they were bank to bank transfers and a cash deposit. The bank that the funds came from showed that they were indeed transferred. While on the phone, she was informed that she had the ability to lift the freeze on the funds but seeing as I was a new customer, she did not want to do so. She could not understand or give me an explanation to why this was being done and agreed that the funds should not be frozen. She was going to file an internal complaint for me on Friday XX/XX/XXXX. Not having any luck with someone reaching out to me, it is obvious that they are going to hold funds until XX/XX/XXXX and XX/XX/XXXX, even though there is no explanation and with the acknowledgement that the funds are there. We would like someone to help us retrieve our money from Northwest Bank.
Product: Payday loan

Originally when I got the loan the agent XXXX did n't disclose the payment agreement correctly, she asked how would I like to pay the loan, interest only or paid in full, I said paid in full on the first due date. The company withdrew only finance charges On the due date and then again 2 weeks later costing me {$140.00} more. Then I called to ask why this happened the new agent explained that I was supposed to call back and confirmed after reading notes that the first agent never advised me of this in the first call and upon initial agreement of the repayment setup. She also stated she was sorry and she could help me by taking the full payment today for the total amount due, again with the finance charge a third time. When I asked her if this was her solution after researching and finding the XXXX agent was incorrect in the information given to me upon setup, and she stated yes. And I advised her I would be filing a complaint with CFPB, so she adviced she could Extend my due date to allow me more time, but never did she offer anything to reduce the cost of my fees or the amount of money the company was making off of their mistake. I do feel this was misleading and fraudulent to not give full disclosure of their policy and conveniently raising their profit. I also had attempted to change the payment amount online once before the XXXX withdrawal but the XXXX agent # XXXX, claimed it did n't take and I now have to pay a third time fee of {$140.00}. This {$400.00} loan has cost me {$820.00} due to their lack of disclosing all information. I have scheduled the full payment of {$540.00} to withdraw from my account on XXXX/XXXX/2016 and they are not authorized to take a penny more.
Product: Checking or savings account

Frozen bank account Contacted company To emailed in regards to the matter
Product: Credit card

Dear Sir/Madam, I am writing with reference to a recent incidence that occur during my telephone conversation with a Citi customer service agent regarding my Citi Access More credit card ( ending XXXX ), on XXXX XXXX, 2016. I was requesting the customer service agent to apply a decrease in cash advance limit to my account. However, the agent had misinterpreted my request and thought I asked for a credit line increase, and went ahead to initiate a hard pull on my credit report, erroneously, and without my permission. This inquiry is currently showing up on my XXXX credit report. 
This action was unacceptable as ( 1 ) I did not request for a credit line increase, and ( 2 ) I did not authorized to have hard pull inquiry performed. I have since complained about it in a subsequent phone call and was told that the matter was escalated to a supervisor, and was promised a call back within 24 hours. So far, I have heard nothing. 
I am submitting this complaint to CFPB and requesting for an immediate resolution to this matter. I want Citi to ( 1 ) retract the hard pull inquiry so that it is removed from my XXXX credit report, ( 2 ) tender an apology and ( 3 ) apply courtesy points adjustment to my Citi Access More account, for the distress caused. 
Thank you in advance, and I look forward to receiving a resolution to this matter. 

Regards, XXXX XXXX XXXX XXXX XXXX, 2016
Product: Checking or savings account

I have so many complaints to casp app about my money being taking bout scams and everything they didn't have a number for me to get in touch with them for so long and now that they have one it didnt matter they say the same thing.On XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX and that's only XXXX if u ever report your card stolen or lost and get a new card keep it locked because they will let something swipe that old car and keeping it attached to your name
Product: Credit reporting, credit repair services, or other personal consumer reports

Im not using any third party for this matter. I represent myself by myself. 
I checked my credit report and noticed some inquiries from companies that I did not give consent to access my credit reports ; I am very concerned about all activity going on with my credit reports these days. I immediately demand the removal of these inquiries to avoid any confusion as I DID NOT initiate these inquires or give any form of consent electronically, in person, or over the phone. I am fully aware that without permissible purpose no entity is allowed to pull my credit unless otherwise noted in section 604 of the FTCRA. 
I have filed FTC report for this matter and included this report in a package. 
Please remove these fraud items from my report as soon as possible : 1.XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; 2. XXXX XXXX Inquiry XXXX XXXX. XXXX, XXXX ; 3. XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; 4. XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX. XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX. XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX. 
Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA.
Product: Debt collection

Back in XXXX, I contacted 2 different companies, Delenquent Recovery & Credit Bureau of the South, who were reporting the exact same debt on my credit report in the amount of {$720.00}. On XX/XX/XXXXXXXX XXXX XXXX XXXX  they responded by stating " We verified that this item belongs to you '' without providing any of the requested proof. I advised I had no recollection of the reported debt and needed proof to validate the information being reported. Here we are in XXXXXXXX XXXX XXXX and I have received nothing ; however, these two collection agencies are still reporting this debt on my credit. 

According to the laws, collection agencies are allotted 30 days to provide proof of validity. We have far exceeded that time. Not only did they not send the info requested, they are reporting this debt as an open account under 2 separate collection agencies. Additionally, collections should never be reported as open. I want these collections removed from my credit report asap.
Product: Credit card

I saw a commercial for Discover.com It said you do n't need to have a Discover card to get your free credit score, just go to Discover.com and fill out an application. I did this, now they have all my information including social sec. # and I do not have my credit score. When I sent in the app. I got an OOPS response saying something went wrong. I sent them an E-mail telling them about this. I asked if this is a scam or what, you have all my info and I have no score. I even told them I was going to report them. I never got a response and it 's been about 4 days. Thanks, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i sent a letter on XX/XX/2022 to XXXX XXXX  however its been more than 30 days and the credit bureaus failed to send my investigation back this is not making any sense.

according to the law 15 U.S.code 1681 i procedure in case of disputed accuracy in the completeness of accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the the consumer and the consumer notifies the agency directly or indirectly through a reseller of such dispute, the agency shal, free of charge conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ) before the end of the 30 day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller
Product: Money transfer, virtual currency, or money service

I am following up complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the customers, financial protection act ( CFPA ).
Product: Student loan

The company where I currently have my private student loan through will not give me any options to lower my monthly payment, that I have repeatedly told them I can not afford. The only option they would give me was to put the loan in forbearance. Even though I have told them I can pay something just not the total amount of the loan due to being a single mother of XXXX children. I have had to put the loan in forbearance 2 times for 3 months each. While the loan is in forbearance it is still accruing interest which will increase the monthly payment even more. When I asked the employee about this and how that made any sense if I already can not afford the payment and basically the only thing they will do is increase the amount of the monthly payment, the employee would only state that he was sorry but there was nothing they could do for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX : {$22000.00}
Product: Checking or savings account

I have received several emails as an ally auto customer enticing me to open up a checking account with ally bank. 

On XX/XX/XXXX I received an email with a promo code " XXXX '' Advising if I open up an account with a direct deposit within 30 days Of receiving the direct deposit I would receive a welcome bonus of {$250.00} deposited to the account. 

Well today is day XXXX and I still have not received the promised deposit. 

I have pleaded with multiple representatives at customer service and there continues to be no resolution or credit to the account Like I told the bank I shouldn't have to beg or plead for something that they offered I fulfilled my obligations but they have not fulfilled theirs.
Product: Mortgage

I've been a homeowner since XXXX inspit of working to make minimum wage. My original mortgage was with Wells Fargo in XXXX under a special program. Within 3yrs I had to refinance in XXXX with Wells Fargo and again in XXXX. However, in XXXX Wells Fargo put me in a 40yr Adjustable Rate ( I just recently found out when they initiated the foreclosure process ) I immediately filed a complaint with Wells Fargo for " Predatory Lending '' in the branch and w/ XXXX XXXX over the phone on XX/XX/XXXX. I was told they would expedite my concerns. I never got a Satisfactory Resolution and my property was Sold By Foreclosure Attorney XXXX XXXX XXXX XXXX on XXXX. Wells Fargo simply ignored my Valid Claim of Predatory Lending. I'm without funds to afford an attorney to fight for me.
Product: Credit reporting or other personal consumer reports

In according with the fair Credit Reporting Act XXXX Account # XXXX ( XXXX 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 furbish an account without my written instructions.
Product: Vehicle loan or lease

The balance is not correct amount. This was predatory loan. The payments showing past due is not correct. This is not the correct amount. I was told the loan was written off. I need the proof that it was written off.