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

Hi my Truist bank account was closed due to overdraft fees. it was {$56.00} XX/XX/2022 I called them on XX/XX/XXXX and now they say I owe {$320.00}. I asked for a statement stating proof of that and the could not provide the evidence. Instead they assisted that I pay the full amount even though there wasn't any bank statements provided. I understand that if there is some form of indebtedness there must be accurate information. If I can't get this proof from XXXX bank then I need my account unblocked. It has damaged my reputation and I can longer open any bank account. 
Please remove the {$320.00} if you can not show how it got to this amount. 

( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ;
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I paid my Macys credit card off as agreed and they still have refused to remove it from my credit report after being told that they would over the phone. I have made disputes and it is still there. Also, I am unaware of XXXX XXXX XXXX inquiry on XX/XX/XXXX.
Product: Mortgage

BSI servicing company keeps harrassing me with threats to report my account to credit bureaus and tacking on late fees for a payment they have already received by failed to apply. Please see all attached evidence, statements, and copies of checks cashed. i have emailed and called them several times to remedy this, however their customer service representatives simply have no answers and offer no solutions. My grace period is the XXXX of the each month, my payment is {$110.00} and I always round up to {$110.00}, and I have never had a late payment in my LIFE! I am sick of being harrassed by phone calls from BSI EVERY day ( 3-5 times per day ), EVERY MONTH from the XXXX to the XXXX of the month when I have never paid late! 



BSI acct #
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a few questions about inquires on a credit report. Is it true that in order to pull someones credit report, you need permissible purpose to do so? If that is the case, then why did the company below pull my credit report without my authorization? 

XXXX XXXX XX/XX/2018 N/A I never authorized these inquiries. 
XXXX XXXX XXXX XXXX Inaccurate XXXX XXXX XXXX Inaccurate XXXX XXXX  XXXX Inaccurate XXXX  XXXX Inaccurate XXXX XXXX XXXX Inaccurate XXXX XXXX Inaccurate XXXX XXXX XXXX Inaccurate XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Inaccurate From my understanding, that is against the law right? Because I did not authorize the companies above to pull my credit report, please delete these inquiries today. 
Thanks
Product: Mortgage

To Whom It May Concern, I 'm filing this grievance against Select Portfolio Servicing ( SPS ) for failure to record new terms to my loan with XXXX XXXX County records. A loan modification is a permanent change to the loan terms and I 'm seeking to reduce the possibility of future issues in the event that my loan is transferred to a new servicer. Primarily I 'm concern here is the fact that I 'm reassuming a debt that was previously discharged in XX/XX/XXXX prior to completion of a loan modification on XX/XX/XXXX. 
Per the California Bill of Rights it is required that lenders record loan modifications. 
A recent decision by the XXXX Circuit Court of Appeals underscores the critical importance of timely recordation of mortgage interests and the ineffectiveness of the " earmarking '' and " contemporaneous exchange for new value '' defenses in the face of the strict timing rules set forth in section 547 ( e ) ( 2 ) of the Bankruptcy Code. Lenders should take note of a XXXX Circuit decision earlier this year in which the Court of Appeals highlighted the importance of timely perfection of security interests and mortgages. Rejecting XXXX defenses commonly raised in preference actions, the Court of Appeals held that a lender who takes more than 30 days to perfect a mortgage interest in real property XXXX have that interest voided in a mortgagor 's bankruptcy case if the perfection occurred within the 90 days preceding the bankruptcy filing of the mortgagor. 
I 'm seeking assistance and demand that SPS immediately record my new terms accordingly.
Product: Vehicle loan or lease

XX/XX/XXXX i leased a XXXX XXXX XXXX XXXX from jd byryder of XXXX XXXX i put a XXXX dollar down payment at this point i had no clue about financing the sales man XXXX XXXX was realy quick witted about the process and got me to sighn a lease of 45 months at a 26 % interest rate mind you blue book is less than XXXX XXXX part of the contract was insurance coverage for 3 months until i got my registration well i was one day late and the come to my home and put a letter in my windshield wiper about my payment so i paid the payment but i diddnt know they dropped my coverage and had my car up for repo due to no insurance even tho i just paid the paymemt they got the car back and 4 years later they have destroyed my credit a XXXX XXXX dollar car at the end of sighning turned out to be XXXX dollars XXXX was financed at a 26 % rate and is still on my credit they scammed me into that car i diddnt even get a choice on other vehicles it was that or nothin i should have chose nothing because thats what i have today is a XXXX dollar debt
Product: Credit reporting or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I feel like I'm being taken advantage of and being ignored. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable account that is kept to be established as correct. I am in desperate need of this item to be INSPECTED and REMOVED. 

XXXX XXXXXXXX XXXX  XXXX
Product: Checking or savings account

I have an account with Chime, social security recently tried to deposit my back pay check on XX/XX/XXXX, at that time my name on my account was different than the name on my check because I had recently changed it and forgot to update it. 
I went through the process to change my name and was assured it would go through. Another two weeks go by with me calling every single day and every time they said they didnt see any deposits whatsoever. When I spoke with SS they assured me they had resent the check 4 times and it kept being rejected. Nobody once in this time frame communicated to me that it was being rejected. XXXX  of last week, I finally got someone to tell me that they were rejecting it because SS had my name as XXXX XXXX Not my full middle spelled out and my account had my full middle spelled out. Even SS said that shouldnt matter. During this time, while we keep expecting money to show up, my spouses account with a different bank has gone negative {$2000.00} leaving us without any money for food or my medications that keep me alive. I have attempted to call Chime every day about this and they have been completely unhelpful, rude and uncaring that their mistakes have now caused my family to be without food or XXXX. They refuse to do anything to help and insist they do not have a legal team to handle disputes.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, My husband and I financed a vehicle through XXXX XXXX XXXX. During the loan XXXX XXXX XXXX  illegally activated a remote disable device on my vehicle preventing medical transportation, and violating state pandemic protections. XXXX of Illinois executive order number XXXX to be more precise. 

In XX/XX/XXXX, my husband and I fell ill with XXXX. Unable to properly access healthcare, because of issues with transportation his XXXX unfortunately relapsed and he now requires permanent XXXX and XXXX which he will have to be on for the rest of his life. 

We notified XXXX XXXX  of our hardship due to the pandemic and the financial burden it had caused. We voluntarily surrendered the vehicle on XX/XX/XXXX, as instructed. However XXXX XXXX XXXX  unlawfully garnished my husbands wages without notice or a valid court order. Then a month later they returned a portion of what they had his job garnish. To this day we're still confused as to how they came up with the amount question why the amount and why the return of a portion of it. We asked them in our certified letter to explain this as well. Before sending the certified letter to XXXX XXXX, My husband made a call to the XXXX XXXX  office to request information on the amounts stated on our credit files. We wanted to know if the vehicle was sold because if so, we werent given credit for it, as well as questions regarding the wage garnishments. The woman he was speaking with in the finance office, literally laughed when my husband was trying to explain his illness. This is very discerning. She referred to him as not being truthful about his XXXX and the XXXX issues we experienced. Not only have they violated so many laws and regulations but to laugh at someone being seriously ill is beyond comprehension as well as professionalism. 
CFPB recently filed a lawsuit, XX/XX/XXXX, against XXXX, an auto loan company, for illegally activating devices that prevented borrowers from starting their cars. XXXX XXXX  did the same exact thing to us 2 times during XXXX. We weren't XXXX hours late even. Yet they went against the XXXX 's order and shut our car off leaving us no way to seek medical attention during the pandemic! 

We disputed this improper debt collection and requested validation, which XXXX XXXX  failed to provide, violating the FDCPA. The invalid repossession also continues damaging both of our credit unlawfully. 

XXXX XXXX willful disregard of the FDCPA, state debt collection laws, wage garnishment laws, and pandemic protections have unjustly harmed us. I request an investigation and enforcement action against XXXX XXXX  for : - Illegally disabling my vehicle during state pandemic restrictions- Unlawful wage garnishment without notice or court order - Failure to validate disputed debt as required by federal law - Inaccurate credit reporting and wrongful repossession notation, collections - Lack of response to consumer complaints and violations
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Wise ( XXXX XXXX XXXX XXXX I have an closed account from XXXX XX/XX/year>, their team is already decided my account has been closed and will make refund on XXXX XX/XX/year>. 

Before my account was closed, I still had about XXXX eur and XXXX usd. Wise refunded me XXXX USD ( converted to XXXX eur ) but that was not enough. They said they wouldn't refund me the XXXX eur. I received money from my customers who bought my XXXX, the transaction process was completed, I issued XXXX to those customers. Wise refunded money to the buyer and without consulting me caused me to lose money, which is a very serious matter for a financial institution. 

I requested a USD and EUR account statement, Wise sent me that statement, the statement shows that my XXXX eur amount is still in my remaining balance but Wise said it will not pay to me from. 

Based on the above evidence, I suspect Wise is defrauding.
Product: Credit card

Citibank put through an unauthorized charge on my account six months after I have dealings with a merchant on another matter. They have refused to provide any documentation regarding authorization of the charge. Meaning, they say they have no documentation and tney say the merchant has no documention, and they neither they nor the merchant are required to provide any documentation. The only documentation they have is documented correspondence from me and phone calls that they charge was fraudulent and not authorized and not paid for six months. They do n't know who decided to pay them but they said it does n't make a difference. They do n't have to do anything or supply me with any copies of anything authorizing the payment. They are very sweet and apologetic and said they will correct it. But the the office of the president got involved and said they do n't have to do anything. It 's been back and forth and back and forth, and in almost a year now they have nothing other than my instruction not to pay anything to the merchant because the bills had already been paid by another credit card.
Product: Checking or savings account

I'm attempting to connect my PNC account to my XXXX  account, and PNC is denying the connection and disallowing it to be made.
Product: Checking or savings account

On XX/XX/2022, {$20000.00} was unauthorized and fraudulently taken from my Discover checking account. I called XXXX about this issue and was told it would be sorted, and that their website had undergone a breach. I did not hear back from XXXX  for months and I was directed to contact the Consumer Financial Protection Bureau. I have contacted Discover Bank about the issue and opened an unauthorized dispute, however, they have stated that this transaction is valid and closed my dispute the next day without much investigation into the matter. It is to no fault of mine that my account had been hacked. Both Discover and XXXX are FDIC insured in the event that their system becomes breached. I only authorized a withdrawal on XX/XX/2022, for {$2500.00}. The {$20000.00} on XX/XX/2022, is a fraud charge on my account and Discover bank has not helped me in the matter to recuperate my funds as a customer of theirs. I have had calls dropped on me by Discover members when calling to check on the status of my case multiple times. My Fraud claim was opened on XX/XX/XXXX in the evening and closed via letter on XX/XX/XXXX. I believe my claim had been mishandled and Discover lines have been backed up for weeks and agents constantly drop calls making it hard for me to speak to supervisors especially since I am constantly traveling and out of state for work.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX CLOSED MY CREDIT CARD IN XX/XX/XXXX AS STATED ON XXXX 'S STATEMENT. THEY HAVE CHANGED DATE ON MY CREDIT REPORT 3X BUT HAVE NOT REPORTED DATE THEY TOLD ME IN WRITING THEY COLSED IT. THERE WAS A BALANCE ON ACCOUNT AT THE TIME OF CLOSING. THWY THEN REPORTED A LATE " CREDIT CARD PAYMENT '' IN " XXXX ON A CLOSED ACCOUNT. 

IN XXXX OF XXXX I MADE A PAYMENT. 

ONCE CARD IS CLOSED THERE IS NO LONGER A " REVOLVING DEBT OWED '' AND NOT 2 MONTHS... 

THEY ARE KNOWINGLY REPORTING WRONG INFORMATION. THIS HURTING MY CREDIT AND SCORE. I HAVE DISPUTED WITH EQUIFAX..XXXX AND XXXX XXXX THWY ALL CLOSE DISPUTE AS RESOLVED AND UPDATED ... YWT ONLY UPDATES ARE CHANGING OF DATES WHICH STILL ARE NOT CORRECT. THEY HAVE NOT ADDRESSED ANY LATE PAYMENT ISSUES IVE DISPUTED. XXXX LATE PAYMENT IS STILL THERE. AS WELL AS A LATE PAYMENT ISSUES XXXX - XX/XX/XXXX WHERE I WAS INCARCERATED ... SENT MY UNCLE IN TO A STORE IN XXXX AND XXXX OF XXXX WITH A NOTARIZED POWER OF ATTORNEY WITH XXXX XXXX LISTED EXPRESSLY AS SOMETHING MY UNCLE WAS AUTHORIZED TO HANDLE FOR ME... THEY REFUSED HIM ANY INFO ABOUT MY ACCOUNT ... WOULD NOT TAKE MY PAYMRNT... THEY TURNED DOQN MY MONIES WITH LEGALIZED DOCUMENTATION AND A VALID ID ... .THEN THEY PUT ME DOWN AS BEING LATE. PLEASE CONSUMER CREDIT HELP ME HERE AS I FOLLOWED LEGALIZED WAY TO GET THEM PAID. AND THEY REFUSED TO TAKE MY PAYMENT. HOW AM I LATE IF YOU REFUSE MY PAYMENT. HOW IS THAT ... YOU REFUSE MY PAYMENT ... .LEGALLY NOT ABIDEBY DOCUMENTATION THE COURTS SAY IS VALID IF SIGNED AND NOTARIZED AND ID MATCHIND NAME IS PRESENTED ... .SO THEY BASICALLY TURNED DOWN A PAYMENT FROM ME... BUT I AM LATE ... HOW CAN THAT BE LEGAL OR EVEN FAIR. IVE HAD WHITE FRIENDS DO THE SAME AND THEY WERE HELPED ... .ID HATE TO THINK SAY AND OR TELL PEOPLE THAT THIS WAS SOMETHING RACIST ... .HE WANTED TO MAKE A PAYMENT ... EVEN TOLD REPRESENTATIVE THAT HE DID NOT NEED INFO... HERE IS MY INFO... JUST MAKE PAYMENT... AGAIN REFUSED ... .BUT ... NOW ... I AM LATE. PLEASE HELP ME ....
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX
Product: Mortgage

I called Calliber customer care department XXXX and spoke with XXXX. To my surprise, he said that XXXX XXXX 's modification was denied for missing documents. He also said they had not received documents since XXXX, which is untrue. 
The servicer has a complete modification package. I spoke to a rep on XXXX and they requested a Profit and Loss as the last piece of documentation needed to reach a decision. Yet XXXX stated on XXXX the document was never received which was sent via email on XXXX
Product: Debt collection

I wasn't aware of my account being transferred to this company they keep sending settlement proposals saying it's my last chance to to settle
Product: Checking or savings account

Bank of Americas Online Bill pay sent my payment to XXXX XXXX late. It was not received by XXXX XXXX on time, causing my auto policy to be canceled, I submitted a payment inquiry and was told that Bank of America spoke to XXXX XXXX who agreed to wave the fees that I was charged. This was not true, in reality they only waved the late fee, but because the payment was received late, it caused my auto policy to be canceled, and a lapse in coverage to occur, having me lose discounts on my policy, in addition to having to pay almost {$65.00} extra to reinstate the policy this week. In addition to this, because of Bank of America sending my payment late, I will now be paying over $ XXXX higher in premiums because of the lapse in coverage that no longer qualifies me for one of my discounts. At this point I can no longer trust Bank of America and will be closing my account but need Bank of America to regardless make this right.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It is not permissible to fail to validate these reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX We took a loan for XXXX from Washington Mutual Bank, which later was bought by J P Morgan Chase Bank for a property located in XXXX XXXX, Florida. XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX, FL. XXXX. Such Mortgage was Paid and Satisfied ( Letter of Satisfaction attached ) in XXXX XXXX, but it is still coming up on our Credit Reports as an ongoing late payment. We respectfully request this situation corrected, since it is adversely affecting our credit scores and our ability to conduct our business.
Product: Checking or savings account

I opened a new account with Navy Federal Credit Union yesterday XX/XX/22, Checking and Savings, I was asked if I wanted to allow any joint users and I said No, I was told checking and savings were both free, I made their {$5.00} required deposit to become a new member, and they helped me set up a XXXX account so my employer could transfer my payroll check for my last 30 day pay period. My employer transferred {$2200.00}, I went online and paid my rent to XXXX XXXX XXXX by echeck with the account information. I went in my account this morning and {$2000.00} is missing from my new account the transaction shows as an " adjustment '',. And I still have the outstanding check that is currently processing for my rent. Navy Federal is stating that the money taken was a credit debt for another member who I was associated on another account with. I said I did not allow any joint users on this new account. The collections department who I do not owe any money to is very rude and unprofessional, I have never had any credit debt with navy federal, they are treating me very unfairly and I have been on the phone all day with different " managers '' who say they are reviewing the calls to see if I in fact intended to open a new account. If my rent check bounces my late fee is {$120.00} plus any bounced check fees and I will no longer be allowed to use the echeck system through my property manager again due to navy federal tricking me. They lied to me about what they were doing with the new account and took my money for a debt that does not belong to me. This was supposed to be a new account and they tricked me and stole my payroll check for an entire 30 days. I will face many fees and financial damages I can not afford because of them lying to me about my initial deposit. The worst part is how they treat me trying to ask for help, I am taken in circles and have explained the situation repeatedly to many people who say they are reviewing recordings while my families rent is on the line and they could care less. This is making me sick to have my money stolen for choosing to be a member of their credit union.
Product: Credit reporting or other personal consumer reports

XXXX, Experian, and XXXX continue to report these XXXX XXXX accounts incorrectly. The application acts as the security do I can not be late or owe a collection when the interest of the account settles all balances. The credit bureaus are violating federal law by reporting this information when it is not accurate. XXXX, Experian, and XXXX are paid to furnish consumer information but you need the consumers written or expressed consent to provide this information. I have given no such consent to use my information to report negative information about me to damage my character and prevent me from obtaining credit that is my right. Produce any document with my signature that states I give you permission to use my name.
Product: Checking or savings account

My account was opened and funded when my card arrived I tried to activate it. When I tried it didnt work I called them and got transferred to the rudest nastiest customer service agent who read a long script and then she hung up On me. No explanation just a bunch of words
Product: Credit reporting, credit repair services, or other personal consumer reports

Looking over my credit report and notice there were fraudulent accounts that does not belong to me and never authorized any contracts and business with these companies. The following accounts are listed below : 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 XXXX XXXX XXXX XXXX