23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

In accordance with the fair credit Reporting Act XXXX, Account # XXXX has violated my rights. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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.
Product: Money transfer, virtual currency, or money service

On  XXXX   XXXX    XXXX  , I purchased a Reusable PayPal MyCash C ard ( PPMC  ), with a value of {$500.00}, for a {$3.00} purchase  fee. I visited paypal.com/cash, per the card instructions, to load the {$500.00} to my PayPal account. After entering the PPMC PIN and providing my PayPal account login credential s, the website returned a " My Cash Error  Code = 203 '' ( see atta chments ).     I immediately called the customer service number at  XXXX . The customer service representative  ( CSR ), op ened a ticket ( #  XXXX   XXXX  to have the issue investigated. The  CSR requ ested I send a photo of my driver license with th e PPMC,   and the purchase receipt to  XXXX  XXXX  XXXX  '. I sent the requested documentation on  XXXX   XXXX    XXXX  , asking for an email response with confirmation the email and attachments were successfully received. I did not receive a response.     From  XXXX   XXXX  through  XXXX   XXXX    XXXX    ( 11+ weeks ), I  ca lled PayPal at le ast 2 times per wee k ( ~25 times ) to  inquire about the status of my ticket.     The first response was the error could not be resolved and I would be issued a refund. The next set of  CSR respo nses was to refuse to send a refund check to an  XXXX   XXXX   XXXX   XXXX  ( AP O ) address, claiming PayPal does not ship to International addresses. I informed PayPal this is not th e first time I 've had this problem, and on the previous occurrence ( previous ticket #  XXXX  )  PayPal mai led a check to the very same address I provided for this ticket.     Sometime during the first week of  XXXX    XXXX  , a  CSR agreed that a refund would be issued and sent to my APO address. From that point to the  present, each time I inquire about the status of my ticket I receive the same response. " The refund is being processed and the check will be mailed  in 7-10 days.  '' By the end of  XXXX    XXXX  , no refund check had been sent and the CSRs stated, the "  Compliance  Department '' was responsible for issuing checks and this department can only be reached via email. Each  CSR apologized for the delay and stated they would send an email to the " Compliance Dep artment '' asking for them to send me an update on the status of the refund check. I never received any updates.     Beginning in  XXXX    XXXX  , I demanded to speak with a supervisor. I explained the delay and my frustrations with the unresponsiveness of the  " Compliance Department. '' The supervisor ( s ) told me they would send emails to the "    Compliance Department '' marking my ticket as " High Priority. ''  They also requested updates be sent to me via email. I was told this exact same thing, at least 6 times in the month of  XXXX . My refund check has not been sent and I have never received any updates.
Product: Checking or savings account

I am Florida XXXX with my paycheck being deposited to the account. Bank of America is charging maintenance fees to XXXX in a pandemic at the end of the summer. My balance was low because of a court case pending with covid court dates changing Bank of America was a. Part of this litigation. Knowing all of these factors : Pandemic, A Florida XXXX in summer months, and litigation pending Bank of America charged and took maintenance fees from my account. Please this can not be legal to do consumers, XXXX I am a. Single mom I have done everything I am supposed to do and now during a pandemic schools opening summer litigation they are taking a maintenance fee. Please review Bank of America policies please if its worthy of a class action suit please include me as a plaintiff.
Product: Credit reporting

Transunion was informed of incorrect reporting of student loan payment amount and current payment status. All loans are on forebereance. Loans are no on repayment. Transunion did not change the payment on loans. Loans are currently reporting a total of XXXX in monthly payments causing me to be denied other student loans. Some loans also have a zero balance.
Product: Credit reporting or other personal consumer reports

Amount : {$440.00} Date : XX/XX/XXXX According to the Fair Credit Reporting Act 15 USC 1681 section 602 it states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, Equifax, and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' 12 CFR 1016.1 Purpose and scope governs the treatment of nonpublic personal information about consumers by the financial intuitions. XXXX XXXX XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. " XXXX XXXX XXXX XXXX XXXX and the Consumer reporting agencies XXXX, Equifax, and XXXX DO NOT have my consent to furnish this information and they surely DO NOT have my written consent. Any and all consent to XXXX, Equifax, and XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX XXXX XXXX NEVER informed me of my right to exercise my nondisclosure option. Not only that, 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, Equifax, and XXXX are not and has not maintained reasonable procedures. This is in complete violation of the Privacy Act of 1974 and a direct display of willful noncompliance per 15 U.S. Code 1681n. Thank you for your time and attention to this matter.
Product: Credit reporting or other personal consumer reports

I paid the balance of my Avant Credit card off and requested to have the account closed on XX/XX/2023. I received an email from Avant indicating the account was closed on the date listed above. However, the following month, I received an email indicating I still owed on this account as well as the preceding. It has been noted on my credit report with XXXX that the account is behind in payments and has adversely affected my score. I am looking to work again, and this is having an impact on my ability to clear my record.
Product: Credit reporting

I have an XXXX credit card. I set up auto pay before going to boot camp in 2013. Somehow XXXX didnt receive the payment the second month. And it was reported to credit bureaus. XXXX couldnt say why it wasnt processed. They let credit bureaus know all my payment status is current and they are not reporting any late payment. XXXX and XXXX are still showing that month as late on payment. XXXX has taken it off from my credit report. I was told by the credit bureaus that info is correct about me being late but XXXX keeps teeling me that there is no late payment that they are reporting. I have done the dispute twice with these credit bureaus. Im looking to buy to a house after I get back from this XXXX in couple months and would like this to be resolved. 
Thank you for your help
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XX/XX/XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Mortgage

I started a fha streamline refinance with XXXX XXXX @ Amerisave Mortgage on XX/XX/20. I was told the process time would be 30-45 days to close & probably within 2 weeks as this would be a streamline refinance. I was asked to pay a upfront application fee of {$500.00} & to have my homeowners policy put them as lienholder before they could process. The initial disclosures amount was incorrect & I informed XXXX & three more times disclosures sent to me were still inaccurate. I never received corrected disclosures. I was also asked to provide mortgage payoff amount & clear title to my property. Which their underwriters & title company should be doing this as they are charging in closing cost for this service. I did get the information & sent it to them. I was continually asked to send in documentation repeatedly already sent in. 
I spoke to XXXX XXXX ( manager ) & advised him I was unhappy with the continual delays & repeated request for documentation they already have. 
After 6 weeks of nothing moving forward I advised XXXX XXXX XXXX that I wanted to cancel & wanted my {$500.00} refunded to me. I was informed on XX/XX/XXXX that the refund was initiated & I should received back to my card within 5-7 business days. I still have not received the refund & have emailed XXXX a few more times about this & getting no reply now. I did received a email from Amerisave after I cancelled stating they denied my loan instead of them checking the box on their form that I cancelled. Very unscrupulous company. I've seen several complaints about Amerisave on websites after I initiated my application whereas everyone is going thru the same thing & more. 
I would never recommend them to anyone as they take your money & string you along with false promises & now mortgage rates are going up. Alot of wasted time & aggravation for so many people. 
I want my {$500.00} refunded to me so I can move on to a more reputable lender. 
I also have every email between myself & Amerisave to prove all I am saying
Product: Credit reporting, credit repair services, or other personal consumer reports

credit compaines are not providing info to provide that verification was verified nothing has been sent to me in written form. never explained how was update just believe it's violation to FCA laws
Product: Vehicle loan or lease

I have been making {$95.00} XXXX payments to my vehicle loan with US Bank since XX/XX/XXXX. The monthly payment is made in XXXX weeks. The XXXX payment should go to the principal. However US Bank keeps moving the payment date forward once the regular monthly payment has been paid instead of applying the additional funds to the principal. I contacted them on XX/XX/XXXX and stated my issue with them. Their response was that it was policy to move apply the payment to the next month once the monthly payment has been made. When I pointed out that what they are doing is stealing from me to maximize their profits they offered to adjust the previous months and rebalance the account with the additional principal payments applied. They did not do that. They moved my payment due date back from XX/XX/XXXX to XX/XX/XXXX without telling me and did not apply the additional principal payments accordingly! Now I'm going to have a late fee! 

Furthermore, US Bank doesn't show the payment breakdowns online, so you have no idea they're taking advantage of you! 

I don't make weekly payments because I have the extra money laying around. I make them because I am trying to pay off the loan as quickly as possible paying as little interest as possible. It is fair to ANY consumer to pay a loan this was and I pay all my loans and credit cards this way. What's unfair is that these banks take advantage of consumers by scraping every penny they can!
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a 30-day late payment reporting on my credit card for the month of XXXX. This information is not correct. I was a victim of identity theft on the account I had set to auto-pay and it was closed due to fraud. I have an FTC affidavit for identity theft related to this issue as well. I now have a 30-day late payment on my credit report. I have never been late a day in my life with this company. I notified the bank of this situation and they failed to make the change. The account is now current with the correct bank account.
Product: Payday loan, title loan, or personal loan

I applied for a personal loan, and was initially approved for {$2000.00}, but the lending requirements and documentation process and the ignorance of Business Management by the manager on duty and the vice president, forfeited the loan!
Product: Credit card or prepaid card

On return from traveling in XXXX I noticed there were fraud charges on the account, and promptly canceled the card the opened a dispute, initially I told the fraud agent that I had returned to the united states, and couldn't have purchased that stuff. they asked for flight history which i gave them as well as passport stamps that I left XXXX which I gave them as well. after which they said they need basically a boarding statement from the airlines that I actually boarded my flight, i have currently put in for that request but have not heard back from the airline. below are the fraud chages 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
Product: Debt collection

I received a notice in the mail last year stating that I owed over {$400.00} to XXXX for services that I had cancelled a few months earlier. I wrote to them and explained that I did not owe that amount because XXXX didn't end my service when I asked them to and when I turned in their equipment. 

A year went by and I received another notice saying that I owe the same amount. I sent an email to the collections agency this time and told them that I had documentation to prove my side. I received a phone call from an aggressive collection agent who explained that I didn't turn in a piece of equipment and that I never cancelled my service. 

This forced me to go to my records and pull out the documentation showing that I turned in my equipment. I took photos of the three receipts and emailed them to the company. I keep receiving phone calls from rude and aggressive agents that refuse my documented support. I feel like they are abusing me with their phone calls and letters because their client didn't close out my account correctly.
Product: Credit reporting or other personal consumer reports

Good evening this is fraudulent account in my credit report XXXX from XXXX this account is not mine, I don't never apply for this account.I was the identity theft and please I need your help remove that and resolve my complaint.
Product: Mortgage

I XXXX  XXXX my cking account thought ihad XXXX XXXX  but was unaware of my over draft they did not contract me for many months they could of called i have a land line first notice was a forclosure notice i donot have wifi or internet or a computer
Product: Credit reporting or other personal consumer reports

I was notified a few weeks ago that my ss # is on the dark web. I have a freeze with all but Transunion. Today, XX/XX/XXXX, is the XXXX attempt thru Transunion web address put a freeze on my credit. I have attempted to change an old password and/or set up a new account and have made numerous phone calls to no avail. 
At this point I am so frustrated I have nowhere to turn. Please help!
Product: Bank account or service

On XX/XX/2016, XX/XX/2016 BB & T bank charge me overdraft fees of {$36.00} each that amounts to {$72.00}. 
When I log in and open the account online and review the overdraft fee transaction in my account details it says " Your account had insufficient funds to pay XXXX item ( s ). BB & T returned the following item ( s ). 
Total Item Amount : {$.00} TOTAL RETURNED ITEM FEE ( $ XXXX/ITEM ) : {$36.00} " The message above in parentheses is ambiguous. This message is not complete. This message shows no useful information other than the amount that I am being charged. This message does n't tell me what item was returned making it impossible for me to resolve this with the party that did not receive the payment. Whenever a check is returned not only does BB & T charge a fee but the receiver of the check also charges a return item fee. And I feel that these insufficient fund charges created by BB & T are not warranted and not justified. What BB & T has done is create a very being problem that not only cost me money for their overdraft fees but cost me money for the fees that the payment recipient charges to me as well. 

On XX/XX/2016 I was charged {$36.00} dollars for insufficient funds available. My available ending balance on XX/XX/XXXX was {$2500.00}. My available ending balance on XX/XX/XXXX was {$2600.00}. My available ending balance on XX/XX/XXXX was {$2700.00}. I do n't understand how I could have overdrafted. I certainly had enough money to cover any bills. 

On XX/XX/2016 I was charged {$36.00} dollars for insufficient funds available. My available balance on XX/XX/XXXX was {$3100.00}. My available ending balance on XXXX was {$3200.00}. My available ending balance on XX/XX/XXXX was {$990.00}. I dont understand how I could have overdrafted.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX Account # XXXX, XXXX and 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
Product: Money transfer, virtual currency, or money service

Paypal shutdown my account and Last XXXX XXXX  paypal deducted my money from my account in the amount of {$58.00} US dollars, And my account was permanently limited. I have no violation, and I comply with their legal agreements. I want to restore my account. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear [ CFPB ], I am filing an urgent complaint regarding fraudulent charges and accounts that appeared on my credit report. I am a victim of identity theft, and unknown individuals have opened accounts in my name without my consent. Despite my repeated attempts to resolve this, no creditors or bureaus have provided any contracts, signatures, or proof to substantiate these transactions. These fraudulent accounts were initially removed from my credit report but were later re-reported without proper notification. The accounts were reinstated without notifying me within the required 5-day window, as mandated by 15 U.S.C. 1692g ( Validation of Debts ), which constitutes a clear violation of my consumer rights. Additionally, the accounts are reported with inconsistent dates across different bureaus, suggesting further inaccuracies. The failure to notify me and provide the necessary documentation is illegal and violates my rights under 15 U.S.C. 1681 ( Fair Credit Reporting Act ) and 15 U.S.C. 1681s-2 ( a ) ( 1 ), which prohibits the furnishing of inaccurate information to credit reporting agencies. These unlawful actions have caused significant harm, and I demand immediate removal of these fraudulent accounts from my credit report. I am prepared to pursue legal action against both the bureaus and creditors involved for their failure to comply with federal law and protect my consumer rights. Thank you for your prompt attention to this matter. THESE ARE THE ACCOUNTS : 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 inquiries : 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: Mortgage

I faxed tax exemption paperwork ( veteran credit of {$300.00} for the year ) from the XXXX, NH town hall with selectmen signatures and state seal and approval from the state of New Hampshire to Nationstar on XXXX XXXX. I instructed them to speak with XXXX from the XXXX, NH town hall who is in charge of the XXXX, NH taxes. They told me it would take about XXXX business days to look over paperwork. Nationstar will not recognize the credit as they said they reached out the town hall and Nationstar said there is no credit on my account per XXXX. I do not think they called the correct town hall, as I told them to speak with XXXX. I then called the XXXX, NH town hall and XXXX from the XXXX, NH town hall verified that I have had the credit on my account since XXXX XXXX, 2016! So, Nationstar is overcharging me for escrow by {$300.00} since they are not doing their jobs properly. I have called Nationstar over 7 times and it seems that I am dealing with escrow customer service and managers that just do not want to look into the matter. I am very confused with the fact I submitted the appropriate paperwork and they do not want to recognize, this is illegal on their part.