23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan

My name is XXXX XXXX and I have a complaint with Castle Pay Day. I received a loan from Castle Pay Day XX/XX/XXXX which stated I was to borrow {$800.00} and a one time finance charge of {$200.00} which I agree to pay which made the loan a total of {$1000.00}. Castle Pay Day sends out text messages XXXX day in advance to my phone before taking money directly out of my checking account. I start making payments XX/XX/XXXX amount of {$200.00}, next payment XXXX XXXX, {$200.00} XX/XX/XXXX in the amount of {$200.00} and XX/XX/XXXX for {$200.00}. Castle Pay Day know says that I still owe them {$1000.00} because I have not been calling them to verify that the money has been collected. Castle Pay Day did not before I receive the loan mention anything such words as to call before making a payment. Castle Pay Day sends out text messages before taking my money ( " to reply or call if you have questions or wish to modify your pmt amt. For Help reply HELP ) ''. And before they take your money Castle Pay Day sends out text message to inform you they have withdrawn money from my account. I have called Castle Pay Day several times ( XXXX ) to resolve the issue. I only want my money that Castle Pay Day took from my account to apply to the loan that was issued to me. Castle Pay Day says that the money that I already gave them was for finance fee, which I was told it would only be a XXXX of {$200.00} for finance fee. I only work part time ( XXXX hours wk ). Please help me solve this matter. I do not want this on my credit report. In the mean time I have block Castle Pay Day fro taking money from my checking account, but I would like to pay the remainder of what I owe Castle pay Day which should be {$200.00}. Thank You Sincerely XXXX XXXX : XXXX : XXXX XXXX XXXX, XXXX, CA. XXXX
Product: Checking or savings account

On XX/XX/XXXX I filed a fraud/merchant dispute with Bank of America. The claim number is XXXX. On XX/XX/XXXX, I got a letter/alert from them advising that the transaction activity in question was authorized and posted correctly to my account. I called Bank of America and was told it denied because some of the charges were from XXXX and it looked like I participated with the merchant. I advised the agent that I had explained I noticed recent unauthorized charges and when I searched the merchant on the online banking page I saw other charges further back that I did not notice before. The agent advised they would not my claim and have it resent. I have heard nothing further from Bank of America. 

There are 72 charges from merchants I never participated or authorized payments for. The total amount is {$4300.00}. 

The response from Bank of America on XX/XX/XXXX, did not include any charge information or details about what their investigation included. 

I think this needs to be reviewed for possible Reg Z Violations. 

I want the fraud protection I am promised on this account. 

I DID NOT PARTICIPATE WITH THE MERCHANTS ON ANY OF THE 72 CHARGES. WHY WERE VISA LAWS INITIATED AND THE MERCHANTS CHARGED BACK AND FORCED TO PROVE I PARTICIPATED WITH THEM? I can assure you that I have not!
Product: Debt collection

I am corresponding to you to report a flagrant violation of the FDCPA by this company pertaining to an erroneous account this company has persevered with reporting on my credit report. On XXXX XXXX, 2017 this company received a letter from me where I disputed the accuracy of the account they have reported on my credit report and asked that they either provide me with the document I signed that makes me liable for the debt or delete the account from my credit report. The company has done neither and in violation of my rights have kept reporting this account as a valid account on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX began reporting a medical collection that was not submitted properly to my healthcare insurer. On XX/XX/XXXX - XXXX referred it to XXXX XXXX XXXX and the debt was reaged. From that time to XX/XX/XXXX - both agency were reporting double on the same account. Seriously impairing my ability to obtain credit. I appealed via dispute several times but neither agency would act-continuing to report as verified. Finally inXX/XX/XXXX - XXXX removed the account duplication however Cascade continues to report this reaged and erroneous information. Cascade has not demostrated any relationship to the original creditor and I have had not information to verify this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion customer service and they would not remove the following inquires even after I told them these were not accurate and possible identity theft. 

XXXX XXXXXXXX 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 XXXXXX/XX/XXXX
Product: Checking or savings account

Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, KY XXXX Date Of Birth : XX/XX/XXXX Social Security : XXXX Email : XXXX XXXX, XXXX XXXX XXXX Date : XX/XX/XXXX I intend to challenge a dispute with a FTC report for the items listed below as Fraudulent. Please remove all from my credit report. 
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 XXXX5 USC 1681.

Items listed above, have 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 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 ( AN ( 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. 
Remove Following Non-Mailing Addresses listed that doesnt belongs to me : - XXXX XXXX XXXX XXXX XXXX KY XXXX - XXXX XXXX XXXX XXXX XXXX FL XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Remove Fraudulent Accounts Listed Below : Account Name : XXXX XXXX XXXX Account Type : Closed, Date Opened : XX/XX/XXXX ( XXXX yrs, XXXX mos ), Balance : {$970.00} Account Name : XXXX XXXX XXXX XXXX Account Type : Closed, Date Opened : XX/XX/XXXX ( XXXX yrs, XXXX mos ), Balance : {$2200.00} Remove Fraudulent Inquiries listed below : XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX, Inquiry : XXXX. XXXX, XXXX CAPITAL XXXX, XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX, Inquiry, XXXX XXXX, XXXX XXXX XXXX, Inquiry : XXXX. XXXX, XXXX FCRA XXXX XXXX : If the above accounts can not be verified, they must be removed immediately according to FCRA XXXX XXXX & XXXX. If your company fails to comply, you will be required to appear in a court venue. Failure to respond satisfactorily within 30 days of receipt of this certified letter XXXX result in a small claims action against your company.
Product: Consumer Loan

I purchased A used vechilce and financed it through Westlake Financial. XXXX years of having the truck the engine goes out. I asked for a forbearance on payments, so that I could fix it allowing me to work so that i could make the payments. They did one month forbearance then ordered a repo. ( In those XXXX years I had never missed or been late on a payment ) Once the vehicle was repoed, the company were shown pictures of the engine missing as I told them. They then called me wanting to settle for a XXXX amount then send me the title. I told the to send that in an email or letter and I would agree. The company wants the money first, before they send any paperwork with proof of our agreement. " that 's not company policy '' I do n't think this is proper procedure, let alone common sense! This is a scam company who gets over on people with less than perfect credit. My question is : is it proper procedure to ask for a settlement payment without sending the client a copy before the payment is made?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX pulled my credit twice in 3 days is a violation of the fcra XXXX XXXX pulled my credit twice same day
Product: Money transfer, virtual currency, or money service

I sent money on XX/XX/year> to a group of scammers through a wire transfer due to threats and manipulation. The amount is XXXX USD. I contacted my bank, Chase, to reach out to the scammer 's bank, XXXX XXXX to hold and recall as much money as possible. They said they would investigate it but in less than 2 weeks, they closed the case, claiming that they didn't think that was a fraud, as " I may be beneficial through the wire transfer ''. That is really a good explanation, suggesting that even you are a victim of the scammer, we ( Chase ) have no obligation to stop you or provide any help. I already filled IC3, called the local police, and reported the case to the Federal Trade Commission, and now Chase thinks I am benefiting from the fraud transfer. From my standpoint, they have wasted nearly 2 weeks, giving enough time for scammers to transfer the money out, maybe overseas already. They could have stopped me from issuing the transfer because I was not behaving naturally ( I was scared due to threats ), and they could have provided a telephone call as a second checkpoint to remind me I may encountered a scam, and give me some time to think carefully before confirming the transfer, but they did nothing, just one click and let the money out ASAP.
Product: Credit reporting or other personal consumer reports

I have tried numerous times to get inaccurate personal information off of my XXXX, XXXX and Equifax credit reports. I have sent out many dispute letters and the information is still on my report. According to my fair credit rights I am requesting that the information is deleted off of my report. I also am aware of XXXX facing a lawsuit because they are not actively and efficiently looking into consumer disputes.
Product: Student loan

On XXXX/XXXX/2016, XXXX # XXXX from Sallie Mae assisted me with applying for a lower monthly payment of XXXX, which would be automatically deducted from my account every XXXX of each month for the duration of 24 months. On XXXX/XXXX/2016, XXXX who is the account manager assigned to me had informed me that in order to avoid getting a negative report in my credit, I should apply for a forbearance. Evidently not having enough knowledge with student loans, I agreed to apply for the forbearance. Per XXXX, with a one-time payment of XXXX, my loans will be in current status instead of past due. I received a letter from Sallie Mae dated XXXX/XXXX/2016 that they were not able to process my request at this time and that my loans are not currently enrolled in the forbearance program. On XXXX/XXXX/2016, I spoke with XXXX and informed her about the letter that I had received. Per XXXX, this was a misunderstanding since her supervisor failed to approve the request. Per XXXX, she would ensure that she will submit the request to her supervisor for approval. On XXXX/XXXX/2016, I went online once again to check the status of my loan. Still, it was past due. I called Sallie Mae and spoke with XXXX that same day and was told that it was a mistake on their end and that my request for forbearance would be process at this time. Per XXXX, I should wait XXXX48 hours for the request to be processed. Today XXXX/XXXX/2016, I checked my Sallie Mae account online once again to check if my request had been processed. Yet, I got the same outcome. Loan still says that it is past due. I called Sallie Mae and spoke to a man named XXXX. Per XXXX, my request is currently being processed and should check back again this Friday. 

To summarize, I have been very dissatisfied with the service I have been receiving with Sallie Mae. I was told that I have been assigned to an account manager to further assist me with managing my account since it is past due. However, I evidently see no changes. All I wanted was to apply for a forbearance to bring my account current. Sallie Mae has been causing me, especially my father ( co-signer ) unnecessary emotional distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked XXXX XXXX XXXX XXXX who has falsely reported information on my credit file to validate the debt by providing proof of this alleged account several times, specifically the original application, contract, note, other instrument bearing my signature and payment history. Please provide this information within 15 days. This agency is in violation of 15 U.S.C. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. These accounts are inaccurate under 15 U.S.C. 1692g validation of debt. They have been reporting inaccurate and incomplete account information to my credit file. In addition, while the collector attempted to collect a debt that is not mine, they broke 15 U.S. Code 1692k - Civil liability. I am maintaining a careful record of my communications with you for the purpose of filing a complaint to the FTC if the non-compliance continues. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information. All steps must be taken to assure the information reported is completely accurate and correct.
Product: Credit reporting or other personal consumer reports

I asked XXXX XXXX for a validation of my account and a deletion of it from all credit bureaus because the information presented on my credit report is inaccurate. 

On XX/XX/XXXX, based on my CFPB complaint, the company responded that their records were correct and that they were not changing my reports. Even though the amount shown on my account records is not the same as they are reporting ( which is a factual error ). 

The company also ignored the fact that according to the " validation letter '' that they sent me, they must delete this account because this account has exceeded the 7 year reporting period. According to the Fair Credit Reporting Act, a delinquent account must be deleted on the date OF THE ACCOUNT 'S FIRST DELINQUENCY. According to the accounting records sent by XXXX XXXX, my first date of account delinquency was XX/XX/XXXX. XXXX years from this date is XX/XX/XXXX. This account should no longer be reported on any of my credit reports. Please delete it.
Product: Debt collection

The company portfolio recovery has violated the following actions : Communication tactics- Back in XXXX I received a phone call from a female rep and requested that they do not contact me regarding this debt due to the offensiveness and repeated phone calls over and over again, sometimes after XXXX. 

Threatening to sue : despite me requesting they do not contact me any further, this month, XXXX, I received a phone call from a male rep who i also informed I have requested to not contact me by phone. Contacting me by phone violates debt collection code and is damaging to my reputation and causes me emotional distress. He stated I should know they intend to sue me and he proceeded to call out several addresses ( none of which are mine ) stating they will be mailing their intent to sue to each of the addresses on file. To include an address I stayed at for 3 months for a temporary job assignment in XXXX California in XXXX. The stay was an XXXX  but I had to supply the address for XXXX  XXXX  in California for my XXXX XXXX XXXX XXXX. This violates my right to privacy. They also threatened to send the letter to my parents home which is also a violation of my privacy. 

I filed this same complaint against portfolio recovery for impersonating a Law official and showing up to someones home which was not mine with papers pretending to serve me. They have called my father and disclosed private information saying they will sue me in court. Only one account under portfolio recovery was discharged and they continue with their harassing tactics. And continue to violate these practices.

They are also attempting to collect a debt that is over 7 years old. This debt originated illegally in XX/XX/XXXX with XXXX who then sold the debt to XXXX XXXX, who then sold the debt to Portfolio Recovery. It is now XX/XX/XXXX.
Product: Checking or savings account

Dear CFPB Team, I have been a Bank of America customer for over 30 years. My 'Advantage Relationship Banking ' checking account is linked to a Regular Savings Account and a Money Market Savings Account. I have maintained a minimum balance in both savings accounts of {$5000.00} for years -- {$10000.00} min. per month total -- in order to avoid monthly maintenance charges on my checking account. 

Beginning in XX/XX/XXXX BofA began charging a {$25.00} 'Advantage Monthly Maintenance Fee '. I didn't notice this until XX/XX/XXXX -- 15 months later -- by which time I had been charged {$370.00} in fees despite the fact that my Advantage Relationship Banking checking account was linked to my 2 savings accounts. 

This monthly service fee was not charged in XX/XX/XXXX, nor in any months prior -- because my checking account was properly linked to my 2 savings account. 

Over the past month I have called BofA 's customer service line several times, have been transferred to supervisors to explain my concern. I was told to visit a branch and speak to a branch manager - I did so, had to schedule an appointment for a week later. 
Following the appointment where I spoke to both the bank manager and a 'Credit Solutions Advisor ' I heard nothing for 2 weeks. 

Yesterday, XX/XX/XXXX, I returned to the bank and asked the bank manager about the status of my complaint about the monthly service fees. She apparently called her supervisor because after 15 minutes she returned to tell me that I had to have a $ XXXX balance to avoid monthly fees. 

Today I again called the BofA Customer Service number ( XXXX ) and the upshot of 45 minutes on line with a customer service representative ( after conferring with his supervisor ) was that my checking account hadn't been properly linked to the 2 savings accounts, and by not maintaining a minimum XXXX XXXXXXXX balance in my checking account I had incurred the XXXX XXXX monthly charge. 

Conclusion : I did nothing in XXXX of XXXX to 'de-link ' my checking account from my 2 savings accounts. I believe the bank surreptitiously de-linked them to charge a monthly maintenance fee, expecting that I would not notice it. Today the BofA representative assured me that the checking account has be properly linked to the 2 savings accounts again and that I should incur the monthly charge no longer if I continue to maintain a min. balance between the 2 savings accounts of at least $ XXXX. 

On the heels of last week 's announcement that the CFPB has ordered BofA to pay more than XXXX XXXXXXXX to customers in fines, junk fees, fake accounts, etc., I am registering my complaint against this blatant effort by BofA to enhance its corporate revenue at the expense of unsuspecting customers such as myself. 

I welcome any inquiries should you be willing to act on this complaint. 

Thank you for your service.
Product: Debt collection

At the end of XX/XX/XXXX, my ex-husband died. This debt was split specifically in a court order during our divorce. Ive provided documentation and ask for the company on numerous occasions to file with probate court to receive his half. They have also advised me historically that I am not responsible for his half of the debt. While Ive continued to pay on my half of the debt, to date the company still has not taken appropriate action in this case. As a single mom with a young child, I feel that this company is taken advantage of me by refusing to follow a court order and file in probate court as is reasonable in this case. Let alone my child has now lost a father and source of income from child support. 

Furthermore, as of today XXXX XXXX, I have realized that I have not received any type of billing statement from them since XXXX of XXXX. Also, my online account has not been updated since XXXX of XXXX for any billing payments that I have been making every month.
Product: Mortgage

We have lived and paid the mortgage for this house for a little over a year after we secured a VA Loan through XXXX XXXX. The loan has recently moved to a company named Mr. Cooper. We bought the house in the fall of 2023 and started noticing that parts of the subfloor began to get damaged and deteriorated. In order to remedy this we called a professional contractor that would give us an estimate and they quoted us {$47000.00} as the entirety of the subfloor and girders needed to be replaced. The contractor said that the damage has likely been there for years and went over looked. After this alarming news and quote, we reviewed our initial inspection of the house that was conducted on XXXX XXXX XXXX and there was no mention of damage to subflooring or girders. This inspection was done by a company called The Inspectors which is located in XXXX XXXX, Alabama. We fear that negligence played a part in the inspection and the mortgage company that organized the inspection on our behalf.
Product: Checking or savings account

In the CFPB complaint case # XXXX your company responded that this account was an Extra debt card by your own admission your company is reporting a debt card transaction. That violates 15 usc 1681 ( 2 ) definition rules of construction 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
The above law states that my consumer report does not consist of TRANSACTION OR EXPERIENCES between me the consumer and you the person making the report. Late payment is an experience any transaction with this Extra debit card is a transaction. 

15 USC 1681a ( ) ( 3 ) ( 3 ) Debit card. The term " debit card '' means any card issued by a financial institution to a consumer for use in initiating an electronic fund transfer from the account of the consumer at such financial institution, for the purpose of transferring money between accounts or obtaining money, property, labor, or services. 

Exclusion in 15 U.S.C. 1681 ( 2 ) clear as day the word exclusion means the process or state of excluding or being excluded the definition and consumer reports does not include ( debit card transactions or experience )