23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

This afternoon, XX/XX/XXXX, I received a phone call from Foster and Monroe from XXXX XXXX, NY. The individual introduced himself as an " investigator '' who was attempting to contact me to discuss options for paying my loan I received from XXXX-a tribal lending institution located in Missouri. This individual informed me that legal action had been commenced by the tribe and that a wage garnishment/wage attachment in the amount of 42.5 % was 24 hours  away from being duly executed. I was told that their " chief paralegal '' had filed the paperwork on behalf of the tribe and had also been appointed to execute the garnishment of wages. When I informed this individual that the garnishment has to be an action of state law, he replied that I waived my rights to state law when I signed my lending contract. This was NEVER disclosed to me. Furthermore, there is federal case law out of the XXXX XXXX of PA that holds XXXX XXXX   and Payday Lenders can not garnish wages of non-Indian persons-regardless of the language of the contract. The first conversation ended with a request to speak with the " Chief Paralegal '' in order to receive a copy of my filings. 

A little less than an hour later, I received a call from someone claiming to be the " Chief Paralegal '' and told him, I needed to be emailed copies of the court summons, pleadings, filings and judgments. I was told that tribal courts dont necessarily follow usual protocals and they can essentially do whatever they want-in an attempt to justify the 42.5 % wage garnishment/attachment. 

I provided this individual with the number and name of my Pay Day Loan Consolidation company. I spoke with my advisor who informed me no call from New York State had been received by his office. I also have not received any email with any legal documents attached that indicate any tribal filings have been made against me, any hearings have been schedule and any rulings have been issues. Additionally, the original loan in question is no longer offered by XXXX and the originally collection agency that bought my account from AWL purchased it in XX/XX/XXXX. 

I contacted, the original collections company and informed them of the encounter with Foster and Monroe. After spending upwards of 15 minutes with XXXX XXXX XXXX ; it came to my attention that XXXX had no idea who Foster Monroe was, became very interested in what they had told me and informed me that ACM would investigate Foster/Monroe and that I should not pay them anything. I am waiting to hear back from XXXX. 

I sincerely hope that this board lives up to its mission statement and agrees to help and save me from this attempted " financial extortion ''. 

Thank you. 

Regards, XXXX XXXX, XXXX.
Product: Debt collection

Spring Oaks Capital : ( 2 accounts ) A ). XXXX  XXXX - {$710.00} B ) XXXX XXXX {$900.00} Description : Spring Oaks Capital has written, called, emailed, and has reported this inaccurate information on my credit report. I have disputed these accounts online several times. The last emails from Spring Oaks were on XX/XX/22, XX/XX/22, XX/XX/22, and XX/XX/22. This company has violated these laws : 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 section 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15U.S.C. 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Product: Checking or savings account

Arvest Bank merged with XXXX XXXX XXXX in late XX/XX/2018. I had an IRA CD with XXXX XXXX with a 12 month maturity. I received no prior notice that my account was about to mature. Then on XX/XX/XXXX I received a notification which I thought was just a notice that my CD was about to mature because the title was reinvestment notice and then was NO STATED INTEREST RATE. I kept expecting some a followup with a stated interest rate so I could decide whether I wanted to renew or not.To follow up, I finally made a personal trip to the bank yesterday and was told that my account had in fact been converted into an 18 month maturity CD yielding 1.1 %. I asked why there was no interest rate stated on the notice I received, and I was told that no interest rate was stated because they wanted me to come into the bank to discuss other possible financial products ( an unfair cross sell technique ). I then asked about a six month CD and was told the interest rate was 1.9 %. They locked me into a longer term product at a lower rate rather than a short maturity product at a higher interest rate. The sales representative ( XXXX XXXX ) and branch manager ( XXXX XXXX ) both said that Arvest changed the maturity because it was the closed product to my CD from XXXX XXXX. But my original CD was for 12 months and if they had to change maturity, Arvest could have chosen a six month or an 18 month CD. 
They chose the one most disadvantageous to me and most advantageous to Arvest. The CD is for about {$25000.00}. By choosing the type of account Arvest did, they deprived me on 80 basis points in interest ( a total of {$310.00} over the 18 month term ) and lowered their cost of funds by {$310.00}. When given a choice between products, Arvest chose the product that would be most advantageous to them and the most punitive for the customer. Then they said to change to the six month now, I would incur a penalty of over {$140.00}. 
I consider this whole process ( from the notification to the unwillingness to modify the terms without a substantial penalty ) to be unfair and misleading on the part of Arvest.
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. 

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 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 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 has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

On XX/XX/2022 I went online to Bank of America ( BAC ) to pay 2 credit cards I have with that company, a Visa, and a XXXX. 

I scheduled two payments, $ XXXX to XXXX, and $ XXXX to XXXX. I have more than one bank set up to pay my bills. In error, I selected the wrong bank, XXXX, in setting up the payments, which didn't have the necessary funds. 

I discovered the error on XX/XX/2022, finding the payments credited to BAC, but XXXX seriously overdrawn almost $ XXXX. I contacted both XXXX bank and BAC immediately, finding it extremely difficult to speak to a live agent. Finally, I spoke to each party, both explaining what happened and asking for assistence in how to proceed. Customer service from both companies was terrible, especially BAC. The latter informed me that a second attempt would be made to process the payment and that there was nothing to do but " let the process play itself out ''. I immediately went to XXXX and deposited $ XXXX to cover the overdraft. 

On XX/XX/2022, XXXX sent emails regarding the lack of funds and I quote : " This payment is still due to the Pay To account. Please deposit adequate money in your Pay From account and reschedule this payment using XXXX XXXX or make the payment using an alternative method. '' I assumed that BAC wanted me to reschedule the payments and that they were not going to automatically process them a second time. So on that date I went to their website and rescheduled the payments in the same amounts as I did before. 

On XX/XX/2022, XXXX again withdrew $ XXXX from XXXX, and I thought the mistake was resolved. To my horror, on XX/XX/2022, they withdrew another $ XXXX total, again overdrawing my account. 

I contacted BAC and the agent refused to reverse the transaction. It was ridiculous... ..my XXXX actually had a credit in the amount of $ XXXX! 

I have racked up overdraft fees from XXXX in an amount now totalling {$140.00}, and this is not the last of it. I did open a case or claim with Citizens to look into the matter, but I am not aware nor have I been notified that anything has been done. 

I am extremely upset that neither institution was able to stop a very unfortunate mistake from turning into a nightmare. I have been bounced back and forth between the two companies by their " customer service '' agents, who have not taken any actions whatsoever to halt this cascade of horrors. 

It seems that in this digital age we have lost something very important, human compassion and instead must become the victims of computer transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never had credit with nor signed any papers with LVNV Funding yet they are reporting on my credit report profile that I owe them {$670.00} which is inaccurate and untrue. 
This incorrect reporting is very detrimental for my credit report account status.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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
Product: Credit reporting

In XXXX 2016, I attempted to reach out to Professional Credit Services located in XXXX, OR for a collections account that is related to a medical bill. During the conversation, the agency stated they would investigate this account ( when I never requested this ) and never sent me any information about this collection so I can understand what medical insurance documents I had to send to prove it was paid. I am not certain how something can be investigated if I never got any information about it and I am unsure what specifically they are attempting to collect. According to the credit bureaus, the collection is for the amount of {$540.00} originally and now it is stating it is {$770.00}. Firstly, I attempted to go on all credit reporting agencies sites ( XXXX, XXXX and XXXX ) and it does not allow me to dispute because the collections agency Professional Credit Services recently updated their commentary on the account. The commentary on the account is not right! It says that the consumer disputed and the account is FCRA compliant. How is the account FCRA compliant if I never received any documents about this account and any evidence that the fees charged are valid. Under FCRA it states, '' report results to the consumer, generally within 30 days. '' It is more than 30 days at this point. There is no paperwork to denote the accuracy. I am requesting that the collections be removed from all bureaus due to noncompliance by this collections agency to properly send information pertaining to this account and adding on additional fees that were never identified or properly explained.
Product: Credit card or prepaid card

I Purchased an XXXX Watch from XXXX XXXX on XX/XX/XXXX and It cost {$2200.00}. The quality of the watch is bad and I have to send back to the merchant several times to fix and did not get the watch back for almost a year. I don't have any patient and would like to dispute the transaction since I don't have the product here with me. I contacted the merchant many times by phone, mail, emails to manager, chat with customer service ... But no hope. 

I contact Bank of America to request a dispute for that transaction. I fill out papers, contact BOA several times and they denied my request because it is out of the time frame. It is very not fair, since my account was charge {$2200.00} for nothing. It would make sense if I keep the product! My case ID is XXXX and was opened on XX/XX/XXXX. I submits all papers on time to BOA, all documents to prove my case and a letter to explain my situation. I have no choice now to asking CFPB a request to stand on my side. Thank you and I hope to hear from you soon.
Product: Credit reporting or other personal consumer reports

I previously sent a letter requesting a reinvestigation of the disputed accounts on my credit report, along with a request to update these accounts during the investigation period. Despite this, I have not received a response to my request as of today 's date. 
XXXX XXXX XXXXXXXX Balance : {$620.00} XXXX XXXXXXXX Balance : {$580.00} XXXX XXXX XXXX XXXXXXXX Balance : {$60.00} XXXX XXXXXXXX Balance : {$900.00} XXXX XXXXXXXX Balance : {$550.00} XXXX  XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$60.00} XXXX XXXXXXXX Balance : {$890.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$620.00} XXXX XXXXXXXX Balance : {$580.00} XXXX  XXXX Balance : {$550.00} XXXX XXXXXXXX Balance : {$890.00} XXXX  XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, My mortgage loan is with with  XXXX XXXX - XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, Illinois XXXX. This complaint is due to a discrepancy within my credit which was reported by XXXX. After several telephone calls and conversations, customer service representatives state they do not have access to, or can not see, my credit report and therefore can not correct this mistake. I have emailed XXXX XXXX times regarding this error. 

The company has been adding delinquent charges to my credit report for months. I received a letter in the mail on XX/XX/2020 explaining that the Company has transferred my XXXX mortgage to another mortgage company. While I accept the changes, the company has reported the sum transferred as a delinquency on my credit report. XXXX has also reported an erroneous amount of {$250000.00} in delinquency when the amount owed is for the sum {$23000.00} ( this was the amount transferred to the new mortgage company ). Additionally, XXXX has failed to report my account in good standing for the months of XXXX, XXXX, XXXX and XX/XX/2020. 

I have contacted XXXX regarding these issues on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/2020 and XXXX still has not rectified the problem. Instead, the issues are now heightened. Since my last emails, XXXX has been adding further negative credit reportings on to my credit rating status ; in turn putting further stress on my financial situation. I have been affected by COVID and my family has had a loss of income. This situation with XXXX has placed further financial hardship in our lives since my credit report is now showing delinquency. Asdefined by the CARES Act, a Mortgageservicer or creditor is required to report an account in forbearance as current. This has been referred to asan accommodation under the Cares act and quoted by the Consumer Finance Protection Bureau.XXXX is breaking the law under The Cares Act and refusing me an accommodation that is being provided to so many other patrons. 

I am requesting that XXXX send a correction report in the areas mentioned above to the 3 credit bureaus Transunion, XXXX   and XXXX as soon as possible so that my credit report may once  again be in good standing. 

Thank you for your support in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One Bank USA NA # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX They were to automatically withdraw the payment and did not because I am on autopay. They were called and they were to fix it and said they did. Now I see from checking they haven't fixed the problem. I was not late at all. I paid the payment online after talking to them. Because they did not take the payment out, which definitely not my fault. It clearly was there. The payment they missed was XX/XX/2018. 
As you can see I take my payments very seriously. I go back five years and have never missed or been late on one payment. Thank you for your time, it is greatly appreciated. 

Sincerely, XXXX XXXX
Product: Student loan

XXXX sold my loans to Aidvantage. I have never received any paperwork from Aidvantage. I called to seek redress because I just discovered by accident that Aidvantage added XXXX to my balance when the loan was transfered. I was hung up on. No explanation of this increase was ever given. It occured during the loan pause during the pandemic, when no interest was allowed to be charged. I have been on IDR for years, and due to low income I have never owed a payment. Also I am retired and receive Social Security. I have applied for the Biden Student Loan Cancellation of XXXX, and was looking forward to to a reduction in my loan balance of XXXX to XXXX. Unless you correct this error, I will still owe XXXX! I make XXXX dollars a month. 

I have heard that Aidvantage has inflated and wrongly transferred many loan balances from XXXX accounts. Now I know it's true : it happened to me. Proof is attached.
Product: Vehicle loan or lease

On XX/XX/2018 I purchased a new vehicle through a dealership. Since I still owed on a previous car loan they sent a check to Fifth Third Bank totaling in the amount of my XX/XX/2018 statement. On XX/XX/XXXX, after the dealer had mailed the check, an automatic withdrawal of {$320.00} was made from my bank account. This was the automatic payments I had set up with Fifth Third bank that recurred monthly around the same date and for the same amount to pay my current loan. Since I knew that they would be receiving a check from the dealership I figured I would eventually be getting a check in the mail for the over payment. When the check didn't come I called the bank multiple times trying to get my money back. I was told they never received the payment. On XX/XX/2018 I sent them my bank statement which showed the withdrawal of {$320.00} that was subtracted from my account towards to loan. Even after this the bank will not return my money as they seem to have " lost '' it. My only option at this point is to contact my own bank and hope they will refund the money Fifth Thirds Bank has lost.
Product: Credit reporting or other personal consumer reports

Someone has tried to open a chase account with my name and social security for the past two months
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX. 

XXXX NC XXXX Transunion XXXX XXXX XXXX XXXX PA XXXX Re : Social Security Number XXXX To Whom It May Concern : I have recently been informed that there is a Bankruptcy Chapter XXXX in the file Transunion maintains under my Social Security Number. According to FCRA 623 ( a ) ( 5 ) if the credit bureau can not VALIDATE the information they must remove it from the consumers file. 

The United States Bankruptcy courts DOES NOT report any activity to credit bureaus. Federal law protects the privacy of most personally identifiable information reported. 

However, credit bureaus actively search public records for any judgments and tax liens through third party research. 

A Bankruptcy is public information, Again, the U.S. Bankruptcy Court DOES NOT report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Your agency has found information on Bankruptcys through third-party research. 

Please validate this information and provide me with copies of any and all documentation associated with these accounts bearing my signature. I formally request that this information be immediately deleted from the credit file you maintain under my social security number. 

Please note that I am closely monitoring my credit file and you have exactly 30 days to complete this investigation as per the Fair Credit Reporting Act 623 ( a ) ( 3 ) and I will be keeping very careful records of all actions taken regarding my file. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your Agency. I will be seeking {$5000.00} in damages for, but not limited to : 1. Defamation 2. Negligent Enhancement of Identity Fraud 3. Violation of the Fair Credit Reporting Act You will be required to appear in  court venue local to me in order to formally defend yourself. 

My contact information is below : XXXX XXXX XXXX XXXX XXXX XXXX. 

XXXX NC XXXX XXXX
Product: Checking or savings account

I bank with chime and my account was charged numerous time from XX/XX/year> to XX/XX/year> for a total of {$4000.00} by XXXX. I do not know who this merchant is and have explained that to chime but they denied me getting my money back twice!!! My phone and card was stolen at the mall and all my information was compromised as explained. I stated I just want my money back in my account and that merchant to be blocked so no future transactions are made. This was my bill money for the month and now im out of luck because I have no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX IS CLAIMING THAT I HAD AN ACCOUNT WITH THEM AND REPORTING TO THE CREDIT BUREAUS THAT THE ACCOUNT IS A CHARGE OFF, BUT I NEVER OPENED AN ACCOUNT WITH XXXX XXXX. I HAVE BEEN WITH RELIANT ENERGY FOR 10 YEARS. MY INFORMATION WAS INVOLVED IN A DATA BREACH YEARS AGO SO IT IS VERY POSSIBLE THAT THIS ACCOUNT WAS OPENED AS A RESULT OF THE BREACH. I ALSO SENT LETTERS MONTHS AGO, BUT THIS FELL ON DEAF EARS. NOT ONLY IS THIS ACCOUNT NOT MINE, BUT THE CREDIT BUREAUS ARE ALSO REPORTING INCONSISTENT INFORMATION AND THIS IS GROUNDS TO HAVE THE ACCOUNT REMOVED BECAUSE I AM OBLIGATED TO AN ACCURATE CREDIT REPORT. ALSO, ALL DATA FURNISHED SHOULD BE THE SAME SO HOW IS THIS WITHIN THE GUIDELINES OF THE FCRA? I HAVE ATTACHED THE INCONSISTENT CREDIT REPORTS. PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my XXXX, XXXX and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 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