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

There are 3 late payments on my credit report from " delinquency ''. I was on an unemployment deferment until middle of XXXX 2016. At that point I knew I would be starting my second XXXX in the upcoming XXXX but knew I just wanted to take one class which would n't make me eligible for deferment. Because of this I submitted requested to hold off payments, which would automatically go into deferment when I went to half time in spring semester. 

I contacted Fed Loan ( numbers, dates, and specifics are on attached letter ) and spent several hours going through the account with 2 reps and a supervisor. I was advised what to do to get this off my account, which was to show that I submitted a request, and then re-submit. I was ensured this would be handled and we 're almost a month later and nothing has been resolved. 

I work in finance and continually undergo intensive security screenings. I can not have these on my report. And frankly it 's in violation of the law.
Product: Checking or savings account

To Whom It May Concern, I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding an ongoing issue with Bank of America. My name is XXXX XXXX, and on XX/XX/XXXX, I contacted Bank of America at XXXX to address concerns related to a government check deposit of {$65000.00} made on XX/XX/XXXX. 

Summary of the Issue : On XX/XX/XXXX, I deposited a government check for {$65000.00} at Bank of America. The teller informed me that {$220.00} would be available within 24 hours, an additional {$1700.00} on XX/XX/XXXX, and the remaining balance on XX/XX/XXXX which are referenced on the deposit receipt. However, upon calling on XX/XX/XXXX, I was told that the entire amount of {$65000.00} would be available on XX/XX/XXXX. 

Key Points : Duration of Call : 32 minutes at XXXX XXXX  XXXX refused to accept a court order as proof during the deposit. 
The Office of the Comptroller of the Currency stated that {$5500.00} should be made available on the deposit day. 
Federal clearinghouse causing the delay, with a hold period from 2 to 10 business days. 
Inability to override the hold by any bank personnel, including managers. 
At 54-minutes speak with a manager named XXXX. 
Mention of the check amount over {$5000.00} and increased chances of holding, citing Regulation CC. 
No release of deposit holds policy for an account held for eight years. 
Lack of a complaints department. 
Unanswered questions regarding the specific reasons for the hold and discrepancy in availability dates. 
Reference to the deposit agreement and the suggestion of an electronic deposit to avoid holds. 
No notification about changes to the deposit agreement received by mail, only online. 
Total Duration of Call : 84 minutes, with questions still unanswered. 

Contact with a manager named XXXX at the 84th minute. he put a request for his manager to call back at ( XXXX ) XXXX
Product: Debt collection

Key 2 Recovery has been calling me to collect a debt on behalf of XXXX XXXX   University, a college that I did not attend and that I owe no money to. I have explained this to the collection agency and was told repeatedly that they would get XXXX to send a validation letter, but in many months, this has never happened. The collection agency continues to call at a harassing frequency and claims that our past conversations haven't taken place. 

On XX/XX/20 I called and spoke with XXXX XXXX about not receiving the validation letters I've requested many times and she said her records showed that " we talked about it '' but that I never told her for certain to go ahead and request a validation from XXXX. This was one of many conversations about this exact issue that we have had with one another repeatedly. Such deceptive record-keeping seems to be responsible for the many unanswered disputes and continued collection activity for charges I have never made. 

I need help making sure that this company, Key 2 Recovery, releases me from this invalid debt. Despite my efforts, their communications with me have been wholly dishonest, and I am afraid this will continue for years without any intervention.
Product: Credit card or prepaid card

Dear Manager, I am notifying you of issues with the information on my credit report. I am curious as to how you are allowed to report this information. With a little research, I found out that I have some rights in place. This letter will serve as a formal dispute under FACTA section 312. This law gives me the right to dispute my credit information directly with you instead of dealing with the run-around that happens when someone goes to the credit bureau. Please take note that I have already dealt with the so called investigation process that the bureaus claim to have completed. Nonetheless, I now wish to exercise my rights to dispute this account directly with you. 

I would like to dispute the inaccurate reporting of the above account. Please verify the following : That all balances and amounts are reporting correctly. 

That all dates are reporting correctly and that any prior pay history you are reporting is correct Please remove this account from my credit report immediately! It has caused quite bit of damage. I want to point out that you are legally liable for any erroneous information as decided in XXXX XXXX. XXXX XXXX. This case set a legal precedent that a consumer can sue you for reporting inaccurate information on their credit report. I demand that you remove this account immediately. Should this account not be taken care of, my next step will be to file complaints with the FTC, XXXX, State Attorney General, and any other place I can think to file a complaint. I trust this matter will be handled promptly. 

Thanks for your prompt attention to my concerns, Sincerely yours,
Product: Credit card or prepaid card

I received a cash advance from a Capital One credit card. When I paid it off, in full, the next day, on top of the minimum payment due, my payment was not applied to the cash advance balance. I called to get the interest fees waived but they were not able to do so since, in the supervisor 's words, it would be an " exception to company policy '' and the situation did not meet the required " factors '' for a possible exception. 

Having never taken a cash advance before, I spent hours researching the matter and spoke at length with a customer service representative on the phone beforehand to understand how the fees worked and how payments would be allocated. I understood that payments would, after the minimum due, be applied to the balance with the highest interest rate per the Credit Card Act. 

However, my payment was not allocated to the cash advance balance, despite it being the highest interest rate. The reason? The cash advance had not posted yet. I paid the cash advance off the day after receiving it but the advance did not post until two days afterward. Capital One 's position, essentially, is that it was my responsibility to wait until the advance posted so that payments could be allocated towards that balance. Having made the payment too soon, the payment applied to the revolving debt instead and I continued to accrue interest charges on the cash advance for nearly two months. They were not willing to rectify the matter even though the total charges I am asking to be waived were not large. 

I worry that this is an end-run around the Credit Card Act protections, allowing Capital One in this case to extract erroneous fees while hiding behind the consumer 's ignorance of this technicality. Because of the hard line they drew with little empathy or willingness to even attempt to reverse charges, I am left feeling like I will not continue doing business with Capital One if this is how they operate. 

Also, it was alarming to hear the first customer service agent I spoke with state that payments were allocated based on balance and not interest rates. ( He was saying the payment was allocated to the higher balance rather than, as the law requires, to the balance with the higher interest as the law provides ). This is false information that I sincerely hope was a simple mistake and not actual policy/attempt to avoid reversing charges based on made-up rules.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to Fair Credit Report Act, XXXX XXXX XXXX XXXX XXXX ( DP OF EDUCATION ) has violated my rights. 15 U.S.C 168 Section 602 A states I have a right to privacy. 15 U.S.C 168 Section 604A Section 2 states consumer reporting agencies can not function my accounts without my written consent.
Product: Debt collection

A few weeks ago I got a credit report alert stating that a negative item was reported on my credit report. After I log in to check it out I found out that a collection agency name XXXX agency on behalf of XXXX and XXXX was reporting information to the XXXX credit bureau without validation of the alleged debt. I called the agency and spoke to the first rep and I informed him that why was negative item being reported to the credit bureau and this allege debt is not validated and I requested that the debt be validated. He refuse to hear what I have to say and I requested to speak to a supervisor and one came on the phone with the same attitude stating that they requested a bill from the original creditor and as soon as they get it they will forward it to me. I told them that this is not satisfactory because the alleged debt should have been verified before they put a negative mark on my credit report. Up to this date I have never received any correspondence from XXXX agency or XXXX and XXXX who they are supposed to be represented. I have never received any validation on this allege debt. Reporting negative information to the credit bureau without validation is a violation of both federal and state law.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, 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 XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX XXXX XX/XX/year>
Product: Checking or savings account

I have had this checking account since XXXX. I always direct deposit enough money to pay the Home equity loan prior to it being due. In XX/XX/XXXX they charged me a random {$7.00} fee on XX/XX/XXXX. They then paid my loan payment to themselves and overdrew my account by {$5.00}. I only use this account for a discounted rate on the loan through them. They proceeded to charge me {$36.00} for the overfdraft and {$7.00} a day for being overdrawn. On XX/XX/XXXX they sent me an email that I did not see as I deleted it because I do n't use PNC for anything else. I did see the 2nd email they sent me XX/XX/XXXXand I called that day. They agreed to take off the overdraft and 1 day charge of {$7.00}. I explained to her that this was a pyramid scheme and I have never had a fee one time like this and she just said the system will only let me remove {$43.00} and there is no manager I can talk to. Her only explanation was it is a free checking account and I missed the cutoff for that cycle by 1 day and there was nothing left to say. It was transferred from my other account prior to the XXXX break/weekend. This is crazy and unfair but she refused to even let me speak to someone else about it. I have since spoken to other people that said PNC did similar things to them.
Product: Payday loan, title loan, or personal loan

On XX/XX/2019, I submitted a written email three ( 3 ) business days PRIOR to the date of my next loan payment and revoked authorization for an ACH withdrawal. Within in a few hours of that same day, XX/XX/2019, I recieved a written response from an agent, XXXX, who stated via the email below that they received the response, turned off ACH and that they would not direct anymore withdrawals from my account. On XX/XX/XXXX, the company made an automatic ACH withdrawal without notice. 

Hello XXXX, Thank you for your email. 



We have received your your request and have turned off the ACH Authorization accordingly. We will not direct any automatic payment request to your banking account. 



Please remember that now you will need to call us on your due dates to make the payments with a debit card. 


If you have any questions you can call us at XXXX during the business hours of XXXX XXXX XXXX XXXX and an agent will be able to assist you. 


Best Regards, XXXX. 


MoneyKey Customer Care P : XXXX XXXX XXXX XXXX F : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/23 I disputed XXXX XXXX XXXX XXXX XXXX XXXX XXXX thru experian consumer solutions XXXX XXXX XXXX XXXXXXXX failed to provide notice of dispute to the comment section of my consumer report FCRA sec 623 a 3 Duty to provide notice of dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I hope this note finds you safe and well. 

I paid XXXX XXXX XXXX 2021. Ive been requesting a {$0.00} balance letter since XXXX 2021, but have yet to receive it. I havent received anything by mail or email. I requested it again last week, but have yet to receive it. Since they have failed to provide the letter, I disputed the account with Equifax. On XXXX - Equifax sent a letter advising the information being reported was accurate- but it is inaccurate. I called Equifax and requested to know their investigation process as I did pay XXXX XX/XX/2021, and was told by XXXX theyll update my file and have the reporting removed in its entirety, but neither of that has happened. According to XXXX from Equifax ( call was on XXXX/XXXX/2021 at approx. XXXX XXXX ), the investigation is as follows - they submit the dispute to the lender, the lender in turns enters whatever information they please into a software and that information is electronically sent back to Equifax. Equifax trusts that the lender will submit accurate information. This is not an investigation. This is incompetence. The same analogy I have XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXr- he enters or says no - and hes free to go based on that answer. That would not be considered an investigation. This procedure should be eliminated in its entirety and lenders should be challenged. If customers are trusting credit bureaus to conduct an investigation- it should be done as such.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern May I please request your guidance and help in a very serious matter. I have acted most appropriately in trying to rectify this grave matter to no avail. I seem to be caught between two companies ; XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, of whom neither will help correct my dire situation. My home mortgage was bought by XXXX XXXX XXXX in XXXX. I appropriately each month would telephone in my payment on time. Upon doing so last XX/XX/XXXX, I was recommended by an agent representing the company to set-up an ACH withdrawal with my personal banking institution ; XXXX XXXX XXXX XXXX. I personally went into the local branch where my account was opened and telephoned XXXX XXXX XXXX. This event took place on XX/XX/XXXX, XXXX XXXX : XXXX. The bank teller representing the XXXX XXXX XXXX XXXX verbally argued with the telephone representative for XXXX XXXX XXXX, regarding the confirmation of the bank routing number. The XXXX XXXX XXXX XXXX teller demanded she was right and so the representative from XXXX XXXX XXXX acquiesced and the ACH withdrawal was set upon the information given by the banking institution. Come to the withdrawal, it was never attempted as a debit against the checking account. There clearly was no attempt to post. XXXX XXXX XXXX considered the account to be 30 days late. Upon doing so, the XXXX ACH was never attempted by XXXX, therefore reporting a 60-days late notice to all three credit reporting bureaus. I immediately went to the XXXX XXXX XXXX XXXX as well as started calling XXXX XXXX XXXX. Neither company would help me once so ever. To rectify the matter, I sent cashiers checks in the overnight mail to XXXX with letters requesting their help. I was denied. To date, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX payments to XXXX XXXX XXXX have been reported as late. Finally, there was a supervisor representing XXXX XXXX ( XXXX - XXXX ) that pulled the audio transmission between myself and the XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  that clearly tells the trail of errors. The routing number was not correct, as the XXXX XXXX XXXX XXXX had demanded. Even though XXXX XXXX has solid proof on tape, that I am not at fault and that my payment has been made, they are not willing to correct my credit report to all three reporting agencies. Nor is the XXXX XXXX XXXX XXXX, willing to admit their inhouse error. Please I ask for your assistance in this matter. I am an elder, a law-abiding citizen and I should not have to bear this devastating consequence on my credit. It is humiliating to me and has ruined reputation. Most sincerely yours
Product: Credit reporting or other personal consumer reports

I legally change my full name in the state of North Carolina in XXXX XX/XX/year> and since then I have reach out cash app numerous times and for them to legally change my name on my account and they never answer or whenever they answer me my documents that always upload to them is no not valid or I need to provide more info or more paper work I provide numerous time the court order my drive license my ida passport selfie with my license ask they request and they always return email to do the process over and over over and this situation its getting me on a level la stress because I do provide more information then what they need to the update on my account I need this to be fixed now I cant not wait another year cash app need to do better with the customers if they want act like a bank in the USA My contact XXXX XXXX XXXX
Product: Student loan

I tried calling in today, XX/XX/2017, to pay off my student loan with my credit card. I took out the credit card to pay off my student loan as I have 0 % for 18 months. I was told that OSLA only accepts bank account information, which is unacceptable. They are impeding me paying off my student loans.
Product: Checking or savings account

I tried to transfer funds and use my debit card but then citibank put a block on my account. They told me that my number could not receive a code or be verified. This is the phone number I had on the account since day one. I got a email to call the fraud department with a 4 digit code. When I called and told the representative the code, the lady was rude and told me to wait for a letter with a code. So ridiculous and unnecessary. I also logged on my online banking and the representative in the chat told me to call the bank and that he put a note on my account and to call while he was still in the chat. So I called and again and a rude representative told me to wait for a letter and hung up the phone. I haven't been able to use any of my funds for the past 2 weeks and this is very frustrating and upsetting. I need help
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated my account was adequately investigated but how is that possible if the account was re-opened and closed again? This is grounds for removal they also violated my rights under 15 U.S.C 1681 section A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish an account without my written instructions.

According to 15 USC 1681 ( a ) ( 1 ), any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; I want XXXX XXXX per violation or remove the account from both credit reporting agencies. XXXX and Trans Union I have filed numerous complaints on this collection account. And if the investigation was done properly the resolution would not keep coming back verified. XXXX is providing incorrect information for this collection accountXXXX XXXX XXXX XXXX XXXXXXXX on Trans Union and XXXX XXXX XXXX  on XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted 2 requests in writing to have names removed that are not mine. O have sent a copy of my social security card to validate my name. Experian refused to remove the information. They also refuse to remove incorrect addresses.
Product: Debt collection

Dear CBA OF GA INCE After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in {$490.00}. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. 
Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization.

Please provide breakdown of fees including any collection costs and medical charges.

Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt.

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX would like to submit a complaint against XXXX Credit Reporting Agency and Equifax. After several attempts to solve the bankruptcies on my own with XXXX and Equifax. I am left with no choice to submit a complaint against you. 
I have proven that they are reporting bankruptcies that should not be on my report specifically bankruptcies case number XXXX, XXXX, and XXXX. 
I am submitting as I have with Equifax and XXXX Credit Reporting the following attachments proof of reason why the bankruptcies are being reported illegally and wrong. I have obtained documents from XXXX and United States Bankruptcy Court. I submitted these documents and XXXX and Equifax have still not removed or given a valid reason why they are reporting these bankruptcies cases on my report. Please help. 
Thank you