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

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX, has violated my rights. 

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

As stated in 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, at no time gave anyone written permission to place anything on my credit report. Also if you look at the company website it states the following ... XXXX XXXX XXXX  On the FAQ section it states also... 

Will XXXX, XXXX remove the account from my credit reports after it has been resolved? 

Your account will be considered paid-in-full or paid-in-full for less than the full balance after your final payment is successfully posted. Within approximately 30 days of your final payment successfully posting, we will request that the credit reporting agencies delete our tradeline related to your account from your credit bureau report.
Product: Debt collection

I have been wrongfully charged by XXXX XXXX for one of  there employees starting an account with out my consent or approval of starting a phone line with them I was charged XXXX $ for a phone I never got so he could get paid.after a while it showed up on my credit and I was confused cause I never got anything from XXXX XXXX to be charged then when I read into it they charged me for putting me on there plan when I was unaware of it. XXXX XXXX destroyed my credit and it dropped a lot because of this collection. I want to take action over this for the employee who did this to me and about my collection Im wrongfully charged for owning I would like to get compensated for all of what I have been threw and how XXXX XXXX takes advantage of customers to make a sale and try to get all of there information and charge people for things they dident want to find out latter then minuplate to get there way to sign up with them or lie or say one thing and then take it back or trying to give out promotions when at the end you saved nothing I would like for this to get followed up on and action to be taken cause no one should go threw this.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a XXXX account on my personal consumer report that does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander Consumer USA Account # XXXX Opened : XX/XX/XXXX Closed : XX/XX/XXXX {$10000.00} Account has been closed, charged off as bad debt and written off as bad debt. I have sent 3 letters for the deletion of this inaccurate information. I do not owe {$10000.00}. The car was sold at auction and I do not owe this amount that has been reporting for more than a year. 

Under The Uniform Commercial Code, N.J.S.A. 12A : 9-610 ( b ), whereas the lender is not entitled to all of the money it seeks because the sale was not commercially reasonable and, as a result, the sale price was unreasonably low.
Product: Checking or savings account

Greetings, Bank XXXX : TIAA Bank I have 2 CD 's in TIAA bank, which matured on XX/XX/XXXX. I had 10 days as grace period from the maturity date to make changes, or close the CD as per the bank information. On XX/XX/XXXX, ( when I was on the last day of my grace period ) -- I called to close my CD. It being a holiday, the bank was closed so I was unable to speak with a bank representative. 

TIAA is an internet only bank allowing XXXX online access. So I decided to log in online and make changes to my CD 's there. I was told that to make changes, I would have to call the bank. 

So I called the bank next day morning. They told me that I was out of my grace period ; to which I responded that I did not get the full 10 day grace period, as XX/XX/XXXX was a holiday in addition to weekend which is Saturday and Sunday. So in short I had only 7 days of grace period instead of what they state as 10 days grace period. 

It would have still worked for me- if I was allowed to make changes after logging in online on the banks ' website. I could access the information. However could not make changes to my CD. So even from the online angle- I did not have 10 days of grace period that the bank claims. 

Finally I was told that they would work on waiving the penalty for early closure of CD. Though I do not think that is the correct terminology- it is me getting my full 10 days of grace period. I thought the matter is settled no matter how they classify it. Then on XX/XX/XXXX I was told that they can not waive my penalty for early closure of the 2 CD 's. 

I think this is totally unfair that I actually had only 7 days of grace period, and that I could not even make changes to my CD by online access. And they claim XXXX online access as it is an internet only bank. One of the reasons banking with them is because of online access. The bank is in XXXX and I live in XXXX. Based on the online accessibility ; I decided to bank with them. 

Solution I am asking for : To be allowed to close my two Cd 's and waiver of penalty for closing them as the online system not working is not my fault. 

Thank you for your help.
Product: Mortgage

I have an account with Fifth Third ( 5/3 ) Bank to service my mortgage. They misappropriated escrow funds and I tried correcting this with them via email which I never got a response. I sent the tax bills received. I currently live in XXXX XXXX although the mortgage company had information that stated I lived in XXXX XXXX. I tried rectifying this but, again, I received no response. I made a payment to the escrow account of over $ XXXX which the mortgage company had applied part of that payment to the loan which I attempted to correct on two separate occasions. It is unclear whether this is being addressed as I have left a message for them to contact me and yet I have not heard anything from this company. My mortgage payment went from approx {$2800.00}, to {$2100.00} to {$3300.00}. There has been confusion and I do not have a comfort level that the people who are servicing my loan are competent. I have made over payments to the mortgage as well so that those payment would be applied directly to the principle and not to the interest. This took place over the course of the loan which is now a little over a year old. I have not received any information regarding these payments that should have reduced the amount of the loan. Any help you can provide I would greatly appreciate. Ive also asked the bank on numerous occasions to update the correct spelling of the address on my account. They still have not done so. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX  Account # 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. 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 an account without my written instructions.
Product: Vehicle loan or lease

To whom it my concern : I extended my credit to ALLY BANK for a consumer credit transaction on XX/XX/XXXX. I the consumer and natural person, was denied credit by ALLY BANK when I applied for a XXXX XXXX XXXX. Tried reaching out to ALLY BANK regarding the denial even when stating the laws and the violations they stated that they couldnt discuss the discussion and that I would need to talk to the dealership. 

Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. I as the consumer feel as if I'm being violated under the law of 15 USC 1691 ( d ) ( 6 ) For purposes of this subsection, the term " adverse action '' means a denial or revocation of credit, a change in the terms of an existing credit arrangement, or a refusal to grant credit in substantially the amount or on substantially the terms requested. 
As I have proof that i was discriminated against by ALLY BANK due to the response I received. ( see attachments ) ALLY BANK is in violation of 15 U.S. Code 1642, U.S.C 1681m and 12 cfr 1002 because I the consumer made an application in good faith but credit was not issued Furthermore, because my social security number ( credit card ) was used and i received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of ALLY BANK
Product: Debt collection

I received a collection account statement from Sequium this week asking me to pay {$270.00} on ; XXXX XXXX XXXX '. I called Sequium and asked what this collection was about, he looked in to the accoount and said he wasn't sure about the original creditor and said it could be XXXX or XXXX XXXX XXXX. I asked for the service date but he did not have that information either. 
I told him that I have a different pest cpontrol company that I have been using ever since I moved in to this address and NEVER used XXXX  or XXXX XXXX XXXX  but he wouldn't listen. I asked him to verify the service address but he was sure about the address. I requested him to send me a detailed statement that shows the activity on my address under my name but he refused to do so and asked me to review the bill he sent to me. HE SAID THE BILL HAS ALL THE INFORMATION ON SERVICE PROVIDED TO ME. Please see attached bill and see if it provides any details on the service.
Product: Debt collection

Date of service was XX/XX/2011. Amount owed is XXXX. The actions that i have taken is calling the original entity XXXX/XXXX XXXX XXXX HOSP XXXX. I called and explained to them that I was not present nor was I the patient for this bill. I believe that my ex-wife brought our daughter to the hospital for care. I also believe that the amount owed was not paid by our insurance company due to the hospital and the doctor fees being billed seperately. They may have gotten my social security number from XXXX, my insurance company. I have called XXXX/XXXX XXXX XXXX HOSP XXXX and theynhave said in the past that there is no balance due to them.
Product: Debt collection

XXXX 2014 I went to the hospital with full healthcare coverage. I paid my copay and received medical service. I paid the appropriate healthcare bill and have had my account sent to Americollect.
Product: Debt collection

This account has been reporting inaccuracies on my report for years. It has been disputed in the past with XXXX, and I dont feel that XXXX has done enough to show me that a thorough investigation has been done. This account reports inaccurate payment history, and they will not verify that the account belongs to me. Im asking for verification of this debt with my signature.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration regarding your company 's mishandling of my credit report dispute. Since I discovered discrepancies in XXXX of this year upon returning from XXXX, where I buried my mother, I have taken every possible step to address this issue diligently. I initially submitted a dispute on XX/XX/XXXX, followed by additional supporting documents 15 days later after receiving notice that the original copies were of low quality. Despite complying promptly, I encountered complete silence on your part. 

Subsequently, I received a letter accusing me of employing a credit repair organization. To clarify, as I already stated in a follow-up letter, I personally sent all correspondence. Despite this clarification, I have yet to receive any resolution or meaningful response from your company. 

This ongoing neglect and mismanagement have caused me undue stress and raised serious concerns about your company 's commitment to consumer rights and compliance with the law. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, credit reporting agencies are required to investigate disputes and respond within 30 days. Your failure to do so violates these requirements. Additionally, the XXXX  XXXX XXXX XXXX, XXXX. XXXX XXXX, prohibits unfair and deceptive practices, which I believe your actionsor lack thereofconstitute. 

Your personnel 's inability to communicate effectively in clear XXXX and the repeated delays and contradictions in your process are unacceptable. This lack of accountability not only hinders my efforts to resolve inaccuracies on my credit report but also erodes my trust in your institution 's integrity. 

I demand an immediate investigation and resolution of my dispute, as well as a written confirmation of corrective actions taken. If this issue remains unresolved, I will consider escalating the matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the XXXX XXXX XXXX XXXX XXXX, and pursuing legal action under applicable state and federal laws. 

I look forward to your prompt attention to this matter and expect a response within 15 days of receipt of this letter.
Product: Student loan

I received a Stafford Subsidized and a Supplemental loan in   XXXX   to attend  XXXX  College Of  XXXX  which is located in North Carolina. Though I must admit that I have not always been diligent in my repayment of this loan, It seems because of the interest charges and whatever ; I have almost certainly have repaid this loan three or more times over. I requested a loan Discharge Application School Closure form in an attempt to get the loan expunged because the school closed before I was able to graduate, and after completion of the form I was denied. Here is the information from my loan :  Supplemental Loan  original principal - {$2300.00} total to be repaid - {$3200.00} current balance - {$2900.00}  Stafford Loan  principal - {$2600.00} total to be repaid - {$3300.00} current balance - {$3000.00} total current balance - {$6000.00} Disbursement date  XXXX ,  XXXX
Product: Checking or savings account

On XX/XX/2023 my card was lost/stolen and 4 transactions totaling XXXX were made on my card- I requested a new card when I realized on Monday and saw transactions that were not made by me were PENDING. Once they posted, I disputed the transactions online under the only option that they have that indicates they were not made by me which is " do not remember this transaction ''. I filed a dispute and was given provisional credit but shortly after was notified that " No fraudulent activity was found '' I called multiple times to question the reasoning and to see what I needed to submit to prove it was not me. They said they could not tell me becuase I would be able to use the information if I wanted to claim transactions as as fraud. This infuriated me as they were implying I would fraudulently create a claim. This is already the second time this has happened to me. They took their provisional credit back and refuse to approve my claim for reasons unknown to me and undisclosed to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

received a letter from XXXX denying my increase request due to too many inquiries. to my knowledge i have 3 inquiries over a 2 YEAR period. i'm pretty sure thats NOT too many. so i try to get my report from equifax. i fill out all of their information, select the option for free report due to increase denial, submit and get the error i can not get my free report and i have to call equifax. this is a LOAD of XXXX. if the site doesnt work take it down. if i wanted to sit on the phone with their " customer service '' for an hour i would have done that to begin with. there was NO reason to deny my report request.
Product: Debt collection

Professional Finance Company is a collection agency. They contacted my employer with a writ of garnishment. I contacted them prior to the garnishment starting on XX/XX/XXXX and paid them a settlement amount of {$760.00} to stop the garnishment of {$930.00} even though I still have no clue why my previous employer is garnishing my wages at my new employer I paid them to just make them stop. I confirmed on the phone with them that the payment I was making would close my account, pay the balance in full and stop the garnishment. They said yes and stated the would fax a release of garnishment to my employer. The following week XXXX $ was garnished from my check. I contacted my employer on XX/XX/XXXX who stated they had never received a release of garnishment. I contacted PFC on XX/XX/XXXX as well, they stated they would yet again the account was fully paid and they would fax a release of garnishment and that I could come pick up the wages from my check that were garnished when they received it. On XX/XX/XXXX my employer called me to tell me that they still hadn't received a release of garnishment and if they didn't receive one by XX/XX/XXXX another portion of my check would be taken and sent to PFC. I got off the phone with them and called PFC who is now stating they have already faxed the release of garnishment and will not send another even though my employer never received it and now they are stating that I owe them an additional XXXX $ for something that was never included in the payment I made on XX/XX/XXXX when I paid my balance in full. Now due to the payment I made in full of XXXX and the XXXX they have taken a total of XXXX which is over the amount stated by the courts that I owed them ( XXXX ) and they are refusing to fax a release of garnishment or anything stating that I paid them so they can continue to garnish even more of my wages.
Product: Checking or savings account

No wells fargo didn't have a right to close my account. Right after they just opened it. They keep saying this because they know their in the wrong for how I was treated. Wells fargo was already well aware of me due XXXX XXXX saying untrue things about me to other employees at the bank. My checking account had been open a year and they weren't exercising their right to close it. Until XXXX XXXX falsely accused me of harassing her. While I was in the bank. I had no idea she was even there at the time. I was done wrong and dirty here. By all who were involved against me at wells fargo. XXXX XXXX needs to insinuate that I'm going in wells fargo bank. This didn't happen outside of wells fargo as XXXX XXXX falsely states. I was made to drive to a wells fargo bank to open a new checking account. All whine un known to be at the time. I was being set up to be falsely arrested at the bank. Because XXXX XXXX does everything she can to put herself around me. When the judge told me to stay away from her. I don't go around them anyways. I can't have a checking account at wells fargo due to problems. I had with XXXX and XXXX XXXX when they lived across the street from me. XXXX XXXX was trying to have be falsely arrested. When she purposely put her self at the bank.
Product: Credit reporting or other personal consumer reports

Transunion and XXXX keep reporting XXXX XXXX on my consumer report but the information is inaccurate. The car was in an accident and all the air bags deployed. XXXX XXXX keep reporting that it is active and saying a payment was made last year in XXXX which is also inaccurate. They keep falsifying saying the account is being paid on so they can keep reporting it. This account should be closed. I have sent pictures of the car and my report to transunion twice before showing proof of inaccuracies but they still put it on my report and I asked for an investigation and proof that I'm making payments but I never heard back.
Product: Debt collection

They call multi time a day including work hours which are from XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to Equifax, XXXX, and XXXX on XX/XX/2021 to update my personal information and remove the inaccurate. The information has not updated and I haven't received a response.
Product: Credit card or prepaid card

My husband used our online billing with our bank XXXX XXXX XXXX XXXX to pay my credit card bill. He accidently paid the wrong credit card - he paid {$5100.00} on XX/XX/XXXX to my CLOSED Bank of America credit card. The card was closed in XXXX. The bank accepted payment. I quickly called the bank to have the money transferred back to my bank account. I have a Service # XXXX ( phone XXXX ). It is now XX/XX/XXXX and I still haven't received my money back. I call the bank multiple times a week and they keep telling me " an additional 1-3 days ''. I received a letter dated XXXX saying the transfer is complete with a Claim # on the letter of XXXX. As of XX/XX/XXXX, my bank still has not received my money nor is there a pending transfer. 

Why would Bank of America accept this payment to a CLOSED account? Why not reject it? What is taking so long to return my money? 

They need to pay me interest and be fined for failing to return my money promptly.
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. 

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