23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

why is this account being reported with 2 different dates of last activity? which reflects on my credit report as of XX/XX/2024. 

per Section 604 contains a list of the permissible purposes under the law. ( FCRA sections in the U.S. Code, 15 U.S.C.

15 usc 1666 b A creditor may not treat on open end consumer credit plan as late for any purpose.

Ally Financial sold the debt to a third party which violates FCRA 15 usc 60802 ( b ) Identity theft A financial institution may not disclose non public personal information to a non affiliated third party.

15 usc 1692 ( f ) # 6 unfair practices talking or threating to take any non judicial action to affect or disablement of property. 

Ally sold the debt and says it is closed yet are still reporting it as late on my credit, aswell as hurting my EX husbands credit XXXX XXXX, and sending harrassing letters after i requted them to stop.
Product: Debt collection

I have a loan with regional finance. XXXX XXXX is a he primary on the account. Regional has contacted my husband XXXX at his work number 6 times now. Every time they call him I call them back to let them know not to call his work number. XXXX stated she has removed the number and left notes but this is what is say to me all 6 times. I understand courtesy calls but the loan is only a day or two behind, and if the loan would be past the ten days they give them I personally give them a call to let them know. This issue has caused problems at my husband XXXX job. If he losses his job because of this then how would be able to pay back.
Product: Money transfer, virtual currency, or money service

On Monday XX/XX/XXXX, I withdrew {$110000.00} USD to my Bank of America checking account from my XXXX account. Upon completing my withdrawals, which I had to do in partial withdrawals to avoid XXXX error pages, my account was placed on hold. A {$880000.00} USD pending debit was added to my balance, rendering my overall balance extremely negative. 

I immediately drove to the bank and was told that the only way to solve this was to call a number. Ive been calling the number given to me for 4 days, all day long, and Ive just had my time wasted. Ive been hung up on countless times, forwarded constantly and passed around between departments that just keep forwarding me or hanging up on me ( once I got forwarded to a trailer park that had nothing to do with BoA ). 

I need to be able to use my funds for the following : XXXX XXXX, gas, food, bills, rent and overall essential expenses during a critical time. Bank of America has robbed me of my money for multiple days without providing reasoning or assistance. 

This is not an issue that can wait for 4 days. This isn't even an issue that can wait more than 24 hours. I demand that Bank of America appropriately assist me. 

I understand that the hold was placed potentially because I had to break many withdrawals into smaller equal sized ones to bypass the fact that any withdrawal from my XXXX {$10000.00} or greater is blocked, however the resolution of this hold is the problem, not the hold itself.
Product: Credit card

On XX/XX/2024 Ive contacted American Express to cancel my account that was open because I was requested to return to service XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I received an email from Capital One that I had been hand selected and " Pre-approved '' to apply for a " Business Credit Card '' I filled out application with my Business Name and XXXX. My name and date of birth. I wasn't approved for the Credit Card but then I get notifications on my personal credit profile that Capital One has checked my credit. No notification or inquiry whatsoever from my Business credit monitoring service. Capital One baited me into applying for a business card with the pre approval and hit my personal credit report instead which I didn't give permission to do. I spoke with several reps for the company and was escalated to the highest dept and wrote letter asking them to remove this fraudulent inquiry from my personal report. To no avail.
Product: Debt collection

Dear Consumer Financial Protection Bureau, I am writing to formally submit a complaint regarding Express Recoverys wage garnishment judgment against me for XXXX  debts allegedly owed to the XXXX  XXXX XXXX  and XXXX XXXX XXXX XXXX. These hospitals have failed to provide any financial agreement authorizing the transfer of my account to a third-party collection agency. I believe this debt collection action is unlawful and that both hospitals have violated the No Surprises Act in their handling of my medical billing. 

I was never given proper notification or consent regarding the assignment of my account to Express Recovery. Furthermore, I have reason to believe that the charges in question include services that should have been covered under the No Surprises Act, which protects patients from unexpected and unauthorized medical bills. 

I request the following actions from your office : Investigation into Express Recoverys collection efforts to determine whether they lawfully obtained authorization to collect this debt and whether the judgment against my wages is valid. 
Review of XXXX  XXXX XXXX  and XXXX XXXX XXXX XXXX compliance with the No Surprises Act, specifically regarding their failure to properly disclose charges and obtain financial agreements before assigning my account to a third party. 
Immediate intervention to halt any wage garnishment until this matter is fully investigated. 
I have attached copies of relevant documentation, including billing statements, correspondence with the hospitals, and any notices from Express Recovery. Please let me know if you require any additional information to assist in this review. 

Thank you for your time and attention to this matter. I look forward to your prompt response.
Product: Vehicle loan or lease

Loan was paid off on XX/XX/XXXX. I did receive a paper lien release, however, the electronic lien in Texas was never removed and I have been unable to register the car or sell it as there is no clear title. I have called Hyundai Motor Finance numerous times, most recently on XX/XX/XXXX. Each time I am promised that the lien will be electronically released, and a new title issued. I spoke with the Texas XXXX on XX/XX/XXXX and the electronic lien is still in place. There is an open work request at Hyundai # XXXX. The car loan was under XXXX XXXX XXXX. I am currently XXXX overseas with the XXXX XXXX and would appreciate contacting my mother, XXXX XXXX at XXXX XXXX as it will be very difficult to contact me.
Product: Prepaid card

I had to dispute for unauthorized transactions that I did not do and they put there own transaction on my dispute for {$100.00} which I made from ATM the unauthorized transactions were for XXXX and XXXX XXXX and XXXX and XXXX I lost my card and because they put the ATM one on there the declined my dispute so I called spoke with supervisor he told me to refile so i did that not it was declined a second time now i file a dispute because transactions are missing off my account that i made with XXXX XXXX  on XX/XX/1924 they were there then they disappeared and i uploaded a the receipt for the transaction showing they refund it me for {$17.00} and {$19.00} and i haven't got my money back for that either and i made dispute because atm charged me {$500.00} twice and i still haven't got that yet either
Product: Credit reporting, credit repair services, or other personal consumer reports

I had to check that one option because my complaint was not listed. On XX/XX/2019 I applied for a credit card with Barclays Bank. I agreed to pull my credit report but they pulled it twice on the same day which put 2 inquiries on my XXXX  credit report instead of 1. I tried contacting Barclays and was told I need to contact the credit reporting agencies. I tried to explain to XXXX and was told I need to contact Barclays. I am submitting this complaint because having an extra inquiry on my credit report affects my credit score.
Product: Checking or savings account

On XXXX XX/XX/2023 I had a question for My account with Chime. I went online to locate chime customer service. As I explained my question the representative of Chime directly transferred me to a representative that would resolve my concern. After a few some time the representative exclaimed my concerns were addressed. When O checked my account after the phone call to Chime customer service my account was XXXX, {$1500.00} was removed from my account in three unauthorized transfers. I contacted the website immediately to report what happened and they hung up on me then blocked my calls. 

I found the real Chime customer service and reported what happened and I wanted to dispute the three unauthorized transfers. Chime customer service opened an investigation to credit the {$1500.00} back in my account. I emailed XXXX all evidence of the illegal transfers by the fraudulent Chime customer service website. I also provided screen shots of the fake website to assist in the investigation. Since XX/XX/2023 Chime has closed the investigation do tomorrow error made four time with me having to request reopening my case. I have asked to receive documentation on why my case was closed with no further explanation on closing my case and denying I was a victim of fraud regardless of the evidence I provided Chime customer service. 

I have asked to contact a department to complain my case was not receiving the proper investigation by Chime customer service and the representative will not provide me with a way to contact a department above customer service. 

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

Why is the account XXXX XXXX XXXX  XXXX Missouri still reporting to my credit report when XXXX  XXXX told you to delete this account due to ID theft? I've attached the letter from XXXX XXXX below. Also attached is 2 forms of government ID. Delete this account immediately.
Product: Student loan

I am reaching out in my continued effort for my student loan servicer to be held accountable for its multiple violations of both federal and state law. XXXX and Aidvantage have ignored my multiple requests- which reveal their illegal conduct. XXXX/Aidvantage XXXX XXXX '' to my prior CFPB complaint, completely avoids any recognition of their misconduct. Instead, it applies inaccurate information and glosses over its illegal behavior. 

XXXX and Aidvantage purposely withhold information from student borrowers, steer student borrowers unnecessarily into forbearance, violate FOIA, student borrowers bill of rights, and the HEA. The CFPB must hold the student loan servicer accountable - as they refuse to remedy, or take any responsibility for their abuse of student borrowers.
Product: Credit reporting, credit repair services, or other personal consumer reports

there is an account from XXXX XXXX being reported as charged of and a collection account from XXXX XXXX  as an account being in collection both accounts refer to XXXX XXXX. I don't recall having a XXXX   account, I have never been notified by either of these accounts. I believe XXXX XXXX  is trying to collect on an account I don't owe. 
XXXX XXXX needs to send validation that this my account, and same with XXXX XXXX. XXXX and Equifax needs to remove both of these accounts for they are duplicate accounts being report twice to my credit report. once as a charged of credit card and once as a collection under XXXX XXXX. 
if this problem is not resolved through this report, then I will have to file a fraud affidavit against XXXX XXXX for being in possession of my person information with out providing any proof why they should be in possession of such information. 
make sure all document sent to me bares my signature and a photo copy of my government issued ID.
Product: Prepaid card

I received this gift card as a gift. I have been unable to use it anywhere. I called American Express, they sent a new card and the same thing ; doesnt work.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I am being take advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It have been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data Breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

Well known how XXXX  and clumsy equifax is!!!  Now these derelicts are fraudulently reporting garbage that is criminally negligent and malignant!!!  I have NO new accounts anywhere!! Nobody has the authority to self-create there own sloppy collections at my expense!!!  ALL this negative garbage already in my credit reports. This is tortuous stupidity trying to scam my credit report with duplicated garbage!!!  PLUS, equifaxs criminal incompetence has not cleaned up there blundering XXXX. I don't care how many generic collections agencies anyone hires to harass me. They are not allowed to fraudulently sefl-create a new idiotic account duplicates what is already existing. I told you people twice now, these clowns at XXXX and now defunct equifax have malignantly created a new phony collections ( same) debt already reported 3 years ago.  These vile derelicts at XXXX XXXX  have NOT contacted me, instead lied cheated and manipulated an old debt. Imbeciles at these mis-managed credit bureaus
Product: Mortgage

I start my refinance of my mortgage on XX/XX/2022. The originating loan officer stated this would be a few week process since it was a refinance. I have submitted all documentation the day it was requested. I am now approaching 70 days and still have not got a commitment on closing. My original loan officer is no longer with the company and was never informed of this change. There have been multiple delays that I was not informed about. I have had to call Freedom Mortgage to learn there are documents that are needed. I recently learned who my new loan officer is, but is actually a sales manager with a license. He was not even aware the file was with him prior to our phone conversation. The company informed me on XX/XX/XXXX that my file was going to underwriting and would take 48 hours to complete. I called XX/XX/XXXX to be told it never went to underwriting and was asked if it was single family home and the HOA amount. These are questions that could have been answered from the appraisal that was complete a month earlier. Now it is XX/XX/XXXX and I still can not get a commitment on a closing. This is affecting me financially since I can not touch my credit and it is holding the Veteran Affairs ( VA ) benefits since the original loan was VA.
Product: Student loan

My payment on the loan is due tomorrow. I called to simply ask whether if I paid tomorrow, would it go through in time? Or whether I should make a payment today? The service rep did n't know so put me on hold to talk to her supervisor. She then told me that a late payment wo n't go on my credit report for 90 days so I could wait 90 days to pay. This is not at all what I asked ( which I told her ) but she encouraged me to pay late on my loan.
Product: Debt collection

Have been a victim of identity theft and relayed supporting documents to the company to display this but was meet with continued refusal to adjust the account
Product: Debt collection

On XXXX XXXX at XXXX CST time, A representative by the name of XXXX Id # XXXX from Hunter Warfield called me about a debt I owed. First all she asked was if I was the customer and without verifying other information such as my address to make sure she was speaking to the correct party she directly disclosed my debt information. After asking me if I will be able to pay the debt all I said was thank you for calling and the representative stated '' I did n't ask you to thank me I am asking when will you pay this debt '' then she begins to talk with an attitude stating that If I was a mature person I would pay the debt back and then she asks me " how old I was '' and that 's when I asked for the manager but the manager did n't do much the resolve the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX XXXX XXXX Date Opened : XX/XX/2022 Balance:XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX
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 : -XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX Account # : XXXX -XXXX XXXXXXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Account XXXX : XXXX -US DEPT ED Account # XXXX XXXX -US DEPT ED Account # : XXXX -USDOE/XXXX Account # : XXXX 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: Bank account or service

Chase Bank checking charged me XXXX separate {$34.00} NSF fees for minor consumer purchases ( e.g. {$5.00} XXXX charge turned into {$5.00} + {$34.00}, etc ). I had a gap in funds for about 24-48 hours, and transferred in to cover the " insufficient funds '' within XXXX hours for all of these. The bank rejected my request for NSF refunds and used some complicated bank accounting schedules to dispute my request. My request is a refund on all XXXX {$34.00} fees since I had transferred funds into the account promptly to cover minor consumer purchases.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report in accordance with the Fair Credit Reporting Act. Additionally, send me any supporting documents you XXXX have for this request : 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 XX/XX/XXXX XXXX XXXX/XXXX/XXXX
Product: Credit card or prepaid card

I got my annual fee on my Capital One spark business card this month. I called in on XX/XX/2020 and asked if they would waive the annual fee and they told me they can't. I told them if I they can't waive the fee then I would like to downgrade ( product change ) to a free version. The rep told me no problem and downgraded me to a card that earns 1.5 % cashback on purchases instead of 2 % like the spark business card I had. When I asked her after the product change to verify the fee was refunded, I was told it wasn't and can't be. I escalated to a supervisor who was just as unhelpful. I explained how the only reason I downgraded to a different card that earned less cashback was to get a refund on the annual fee. She told me there is nothing she can do and she won't refund the fee. I asked to cancel the downgrade and put me back on the Spark Business card that I originally had and was told no. I was misled and am paying the annual fee for a card I no longer have. I have attached the recorded phone call to this complaint
Product: Money transfer, virtual currency, or money service

I transferred {$13000.00} through XXXX from my XXXX XXXX Checking  Account to My PenFed Checking  account on XX/XX/XXXX. I contacted PenFed  to complete a wire and i was asked to provide proof of funds, PenFed said that the funds will be on hold until i can show proof of funds. I sent screenshots of the transaction from my XXXX XXXX Checking  account. PenFed Reps told me that the screenshots would not work and i would have to provide a statement. When the statement was available i sent it on XX/XX/XXXX. On XX/XX/XXXX i called PenFed to check on whether they received the statement. The Rep i spoke to said that there was need for additional documentation, I asked to speak to a manager and get a better explanation of why i need to provide additional documentation and she said it was to establish if the XXXX XXXX account belonged to me. I supplied scans of my Driver 's Licence, Social security Card, a utility bill and my Permanent resident card. I called on XX/XX/XXXX to follow up and the rep i spoke to said that my account will be closed and that i should contact XXXX XXXX to do a reversal of transfer. Upon contacting XXXX XXXX, they said that a reversal on a successful transaction could not be initiated. 
I called PenFed to tell them that a reversal was not a possibility and i was told that the last resort would be for XXXX XXXX to write a hold harmless letter. i have talked to a XXXX of reps and managers at PenFed and all they say is that the security team has made a decision on my funds and they do not know the reason why. 
I've had no access to these funds since they deposited in my Penfed checking account.