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

In accordance with the fair credit reporting act the following accounts have violated my rights by posting my personal matters in public for everyone to observe XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXXXXXX XXXX XXXX  XXXX XXXX15 USC 1681 section 602 States I have the right to privacy * 15 USC 1681 section 604 A section 2 it states that a consumer reporting agency can not furnish a account without my written consent instructions which I have not done so *15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose These companies along with Credit Bureau have knowingly violated my rights and I will be force to take legal action if this continues
Product: Checking or savings account

On XX/XX/XXXX Bank of America exercised its right per the deposit account agreement to terminate my checking account. At the time of their decision there were pending claims on my account. On XX/XX/XXXX I was awarded those claims and was told to expect a check in the mail. In XX/XX/XXXX I contacted Bank of America and was told to wait for my funds with no timeframe. The same happened in XXXX of XXXX, XX/XX/XXXX I visited a Branch to resolve this matter and a helpful Branch Manager attempted to resolve it but he was given the same information with no date as to when I would receive my funds. I am under the impression that Bank of America intends to keep my money because they continue charging a XXXX XXXX monthly service fee and have virtually given me no option to recover my funds. I have exhausted all my options in resolving this matter directly with Bank of America.
Product: Credit reporting, credit repair services, 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, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish 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 accurate.
Product: Credit reporting or other personal consumer reports

The below accounts I did not authorized to be open, so ; therefore, should not be reporting to none of my credit reports. The accounts below has reported several errors. I have disputed all of the items below and as yet nothing has been done. I have filed an extend fraud alert due to my identity being stolen. According to the 15 U.S.C. 1681 law states that any inaccurate information must be removed immediately from the credit report. Due to the inaccurate, incorrect information on my report has caused defamation of my character. 

XXXX XXXX XXXX PENTAGON FEDERAL CR UN, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally file a complaint regarding the unacceptable customer service I experienced at your XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX ) on Monday, XX/XX/year>. 

During a previous visit, I was assisted by XXXX, who I was informed is the Branch Manager ( XXXX XXXX dark blue blazer ). XXXX successfully verified and cashed a check with the same issuer details as the one I recently presented. At no point did she inform me that this was a one-time exception. However, when I returned with a similar check, the teller refused to process it. 

I escalated the issue to Assistant Manager XXXX XXXX, who was completely unhelpful and dismissive. Despite explaining my prior experience and how my check had been processed without issue before, XXXX refused to assist in any way. She claimed that if my previous transaction was an exception, it would have been stated at the timewhich it was not. When I asked her to verify any information, she outright refused and denied me service. 

This level of inconsistency and lack of professionalism is unacceptable. One manager was able to verify and process my check, yet another refused to do so without any valid explanation. Bank of America prides itself on customer service and ethical business practices, yet this experience was anything but.

I request a formal review of this situation and appropriate corrective action regarding XXXX XXXX unprofessional conduct. Her unwillingness to provide assistance, refusal to verify information, and dismissive attitude toward a legitimate customer request reflect poorly on this branch and Bank of America as a whole. 

I expect a response regarding the resolution of this matter. I have already submitted a complaint through other channels and will continue to escalate this issue as needed. 

Thank you for your prompt attention to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS MY 2ND AND FINAL ATTEMENTED TO RECEIVE DOCUMENTATION my name is XXXX XXXX XXXX, and I dispute the validity of the debt shown below and I am REQUESTING documentation showing the following validation of debt request : -Proof of your right to own/collect this alleged debt - HIPPA Contract bearing my personal signature Also, I am Requesting the name and address of the original creditor and HIPPA form with XXXX signature giving Collection Agency XXXX XXXX XXXX XXXX XXXX permission to access and collect my medical records. 
ACCOUNT NUMBER : XXXX OPEN DATE : XX/XX/XXXX AMOUNT : {$210.00} ___ACCOUNT NUMBER : XXXX OPEN DATE : XX/XX/XXXX AMOUNT : {$980.00} ___ACCOUNT NUMBER : XXXX OPEN DATE : XX/XX/XXXX AMOUNT : {$590.00} IF THIS REQUEST OF INFORMATION CAN NOT BE PROVIDED, PLEASE CEASE THIS COLLECTION IMMEDIATELY OR LEGAL ACTION WILL BE TAKEN
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX TEXAS XXXX  
                                                    TRANSUNION XXXX XXXX XXXX XXXX PA XXXX XXXX                                                  TO WHOM IT MAY CONCERN.
THIS ACCOUNT LISTED BELOW IS A COMPLETE VIOLATION OF THE NO SURPRISES ACT, DELETE THE LISTED ACCOUNT(S) IMMEDIATELY FROM MY CONSUMER REPORTS.

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: Checking or savings account

In XX/XX/year>, Discover Bank sent a promotional email whereby if I deposited an additional {$25000.00} in my account that I would get a {$200.00} bonus if the money stayed in the account for 60 days. The money was supposed to be deposited by the XXXX of XXXX. I sent an ACH from my XXXX XXXX XXXXXXXX Account to Discover on XXXX which was plenty of time to post. Discover then posted the deposit on the XXXX. I immediately called and inquired if I would still get the {$200.00} bonus and was told various answers by various representatives. Finally a supervisor said I should wait until XX/XX/XXXX to " see '' if I got it and then they could get it fixed then. Now Discover is claiming I was ineligible for the promotion despite meeting the requirements and their own process delaying the posting of the deposit. So I lost the {$200.00} plus they lowered the APY on the account below market rate so I am out those funds as well. This is bait and switch, unfair and deceptive in all senses. It is also simply common law fraud under Tennessee law. Discover should honor the deal.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my final attempt to have this account removed from EVERY CONSUMER REPORTING AGENCY INCLUDING XXXX, XXXX, and EXPERIAN. All consumer reporting agencies have tarnished my name and have kept me from obtaining credit. They have ruined my reputation and character. They have violated the FCRA and many other Act as well. This is the last attempt before I seek litigation. 12 CFR 1022.1 Regulation V ( a ) Purpose. The purpose of this part is to implement the Fair Credit Reporting Act ( FCRA ). This part generally applies to persons that obtain and use information about consumers to determine the consumer 's eligibility for products, services, or employment, share such information among affiliates, and furnish information to consumer reporting agencies. XXXXXXXX XXXX  is reporting to consumer reporting agencies inaccurate information about an alleged account. I have sent in numerous billing error notices to XXXX XXXX according to CFR 1026 regulation Z Billing Error. I have asked XXXXXXXX XXXX to verify and validate the debt they alleged I owe, and I requested that the ORIGINAL CREDITOR be identified according to 12 CFR 1006 Regulation f The Fair Debt Collection Practice Act XXXX XXXX  has failed to validate the debt therefore should delete all unverified information from my account ASAP. XXXXXXXX XXXX should delete all account information they share with XXXX, XXXX, Experian, and any other Consumer Reporting Agency. I did not consent to have my information shared with anyone or company. Since XXXX XXXX  has failed to prove that I owe an alleged debt according to 15 U.S.C. 1681c-2 ( c ) all consumer reporting agencies should block of information resulting from identity theft. I didnt consent nor benefit from XXXXXXXX XXXX. If I received goods or services, please have a senior executive certify under penalty and perjury that I received goods or services under this transaction. I request this account and all late payments be removed from my Consumer Report, Pursuant to 15 USC 1681a ( 2 ) ( A ) ( i ), which states the term consumer report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report
Product: Credit reporting or other personal consumer reports

I discovered unauthorized inquiries on my credit report this morning and have no idea why theyre there. When I reviewed my report, unexpected discrepancies appeared. I even refreshed my browser, thinking it might be a temporary glitch, but the inquiries were still present. I urgently request a thorough review of the documents Ive sent to resolve this issue so I can finally put this behind me.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX Trans Union and XXXX are showing different and incorrect information on my credit reports. 

Account # XXXX XXXX XXXXXXXX XXXX Trans Union shows that the XXXX account is PAST DUE and has a balance of {$5.00}. This is not correct. The account was paid in full XXXX of XXXX. I am not PAST DUE {$5.00}. 

XXXX shows that the XXXX XXXXXXXX XXXX Account is PAID with the last payment date is XX/XX/XXXX. However, XXXX also shows that I missed a payment in XX/XX/XXXX. This is not accurate. I paid the account in full and XXXX sent me a refund check because I overpaid it. 

The account was paid in full and both of these credit agencies are reporting inaccurate date which is hurting my credit. 

I asked them to investigate and both came back as validated and updated. This is incorrect.
Product: Vehicle loan or lease

I purchased a vehicle at a XXXX dealership. The payment due date was set up there. We asked the salesman if he could get it on the first of the month. He told us we could set it up on the XXXX when we get paid with the Financial company called XXXX XXXX. We signed the deal. Immediately after we contacted the company and explained we wanted the payment due on the XXXX when I get paid my XXXX check. They stated they could only extend it to the XXXX, however that would not be a problem because we had a 10 day grace period with no charges. Then without warning sometime later Car finance no longer had the loan and a Flagship Credit Acceptance had it. I noticed they had been charging me late fees after we payed the payment. I talked to them multiple times and they would not even hear my complaint. They gave NO regard to my explanation. I have also noticed my payments have not gone down as they should and I have no idea whats going on. I have repeatedly asked for a breakdown of charges and they absolutely refuse to show me anything on paper. I am so up set with this company and I know i have been taken advantage of Financially. I have a Case pending with the Florida Office of financial regulation. Case number XXXX. The company will not even respond to them according to the person who is handling my case. I feel strongly I must elevate this to another level so I can get the answers and monies I feel are owed to me due to the inaccuracy of this transfer as I believe it is very wrong. I feel they are exploiting me because I have a XXXX. I am a XXXX veteran and I can do nothing. The payment interest is something I never understood when I signed these papers. Its seems very wrong that I am paying my payments and not allowed to even know what the principle is and how it was applied.
Product: Credit card

I was charged late fees on both of my Capital One accounts fraudently. I have a balance above {$800.00} on both accounts and the monthly minimal amount due was under {$50.00}, and the payment due dates on both accounts are the XXXX of each month. I decided to make an EARLY payment on both accounts on XXXX XXXX, 2016, although my payments were n't due until XXXX,2016. When I contacted Capital One and spoke with a manager ( XXXX ), advised me I was charged a late fee because I paid early on both accounts so the XXXX,2016 payments applied to my XXXX bill. She also explained to me the reason my XXXX XXXX payments were applied to the XXXX billing was also because my XXXX billing had not been released until XXXX XXXX, 2016, which made no sense. If I made an XXXX payments it should be credited for XXXX, not XXXX. There was absolutely nothing on their website that indicated a payment rollback, which would grant them permission to apply my payments backwards. This is a fraudulent business practice to allow Capital One the ability to collect fees from me as a customer/consumer, they do n't deserve. I pay on time every month and I over pay the minimal amount due. Why would they penalize a customer which could negatively impact my credit?!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Date opened : XX/XX/XXXX XXXX  : - ; XXXX  XXXX  XXXX  ( Original creditor : XXXX XXXX XXXX XXXX  XXXX  ) XXXX XXXX  : {$930.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX : {$180.00} ; XXXX, XXXX, XXXX  ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX.
Product: Checking or savings account

I responded to an advertisement that Bank of the West was to give totally free checking. I received several fee related charges like NSF, Transfer Fees, any Fee, didnt have something fee, too much this fee, so they closed the account and it wasnt over drafted from missing money, just all fees, then closed the account. It left me with a very bad mark with XXXX reporting agency. My XXXX report is trashed, all because of a free account. I also went to the hospital for 120 days for XXXX XXXX. ( XXXX can prove this ) Ill pass on California anything! Can I get help anywhere? Please?!
Product: Mortgage

On XX/XX/XXXX, I contacted PennyMac to have our house assessed to have our PMI removed. In XX/XX/XXXX, our house appraised at {$350000.00} Since that time we have added a new roof, a new water heater, a new furnace, we have put in a {$2000.00} fence in the back yard, and housing prices have risen in general. We asked PennyMac to do a BPO and were told that someone would drive by and look at the front of our house and the back of our house from the outside and that the person would also pull comparable for houses in the area. The first time the BPO happened, the amount came back at {$320000.00} Upon closer inspection, it appeared the person who did the BPO did not even take photographs of the correct house, but instead photographed our neighbors house. In addition, all of the houses that were pulled as comparables had far fewer square feet and almost all of them were much older houses than ours, one up to 18 years older. We pulled some of our own comparables from our area that more accurately compared to our house and sent them to PennyMac, which put the value closer to {$400000.00}. In addition, we notified them that the BPO had taken photographs of the wrong house. We received a letter from PennyMac indicating that they were not going to change the BPO amount. It is preposterous to assert that our house value has gone down from XXXX to XXXX in the current market. Furthermore, the BPOs own document puts the average sale price in the last 3 months for comparable houses at XXXX. We believe this is a systematic problem with PennyMac in an effort to unnecessarily collect PMI when it is not appropriate. Our house only needed to appraise at {$360000.00} to have PMI removed and it is unfathomable that it would n't come back at that amount. What PennyMac is doing borderlines on fraud. After further research it appears that this is being a problem nationwide where mortgage companies are forcing the use of their own selected individuals to do BPO and appraisals and they are routinely and conveniently coming back under the amount necessary to remove PMIs. I ask the CFBP to investigate this systemic and nationwide problem so that consumers are not at the mercy of these corporate companies who have an incentive to keep the PMI in place. Thanks.
Product: Student loan

I am a XXXX, which allows me a certain amount of forgiveness if I make 10 years worth of payments on time. In order to make this happen, I was told via phone conversation that I can not refinance my loans because that makes them ineligible to be forgiven. My loans, however, are currently untenable. I make a little over XXXX dollars a month and I pay XXXX dollars in loans monthly. The vast majority of these loans are from Navient. Currently, I 'm taking XXXX courses, so I do n't have to make payments right now. I am making XXXX dollars worth of payment on my navient loans to try to decrease them as much as possible. I would like to feel like a productive and successful member of society. I felt like I did things the " right way. '' I went to school, college, got a job ... I just ca n't help but feel this XXXX that I am never going to get out from under this massive beast of a student loan. Navient 's interests rates are absolutely ridiculous. I want to be a productive member of society that 's able to contribute to the economy, but I find myself struggling to keep my head above water.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is a consumer reporting agency who furnishes a consumer report on me. Experian is inaccurately reporting payment history in accordance to the Fair Credit Reporting Act, and Metro 2 Compliance. Experian is reporting the following inaccurately : XXXX XXXX No Payment Data April 2019- 30 Days Late XX/XX/XXXX through XX/XX/XXXX - No Payment Data Reported and then suddenly : XX/XX/XXXX - Charge Off. 

The above mentioned inaccuracies constitutes INACCURATE REPORTING!
Product: Credit card or prepaid card

The requested was to complete a research paper the requirements were given accordingly. 
1- deadline was not met 2-Attempted to rectify with merchant via asking to speak with a manager.

3 research did not coincide with subject matter.

4 Verified deadline not met therefore whatever was submitted it needed to be correct therefore it would be no need for submission One minute past the deadline is late let alone 3 hours as shown. The bank stating that services were rendered but if I cant use the services AND IT WAS NOT COINCIDING WITH REQUIREMENTS. I tried to speak with the manager and left several messages. I was even told it would refunded but it was not. Yet here I am still trying to get my money back when it is part of their policy. yet their actions do not fulfill my monies in my account nor did it help by submitting the documents late.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX IN is reporting on my consumer reports at XXXX, Transunion and XXXX. As a debt buyer/third party debt collector they do not have permissible purpose ( which is my consent ) to furnish this information on my consumer report because I have no contract with them whatsoever. I never gave permission for them to share my personal information.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Attorney General XXXX XXXX XXXX  # XXXX, Attorney General XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX account # xxxxxxXXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, has violated my rights. Under XXXX5 U.S.C. Code 6802b states a consumer reporting agency can not service the consumers account with a financial institution and to protect the confidentiality or security of the financial institution records pertaining to the consumer.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/23 @ XXXX, I received a call from the company 's bill collection department. The representative told me my account was due for XXXX payment in the amount of {$320.00}. I told the representative that there should only be a late fee for the current payment. The representative told me he was only acquired to remove the additional late fees. All fees should have been removed as discussed with a previous representative in XXXX which the payment made through ACH would have made my account current. The representative was rude during our conversation after hearing my frustration regarding the additional fees. The representative told me " I should not allow my feelings get the best of me ''. I told the representative he should not have the right to tell me how I should feel of being told to pay additional fees that I assumed were taken care of in XXXX. In addition to having to deal with insensitive representatives, I was not notified by this company transferring my loan with Fifth Third Bank.