23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

My credit card is paid by my Dad from his account at XXXX to my credit card at Wells Fargo. That payment was made on XXXX. It showed the funds out of that account on that day and credited to my credit card. My outstanding balance at that time was {$600.00} and I have a credit limit of {$1300.00}, but my card was declined and the website showed no credit available. I just spent an hour on the phone with Wells Fargo and they say a hold was placed on the payment but they admit they have no idea why and will not release the hold until tomorrow. This is my only source of funds to pay for food and supplies ( I 'm a XXXX student without a job ). If they were able to give me a reason the funds were held, I would have understood, but they admit they do n't know ( I actually have a recording of part of the call ). I just ca n't believe this is legal and I was thinking if they did that to me, they could do that to thousands of customers and have the use of other people 's money for a week with no reason or explanation. Is n't this pretty much like stealing and then returning the stolen goods. That 's still stealing.
Product: Credit reporting, credit repair services, or other personal consumer reports

On three different occasions, I have contacted Experian by mail to provide me : " Copies of any documents you used to make your decision, including electronic correspondence of all types, a copy of all information you sent to the data furnisher during your investigation, including transcripts of all telephonic conversations and any information you received from the data furnisher, the name, job title, and contact information of the individual ( s ) you contacted at the data furnisher and the name, job title, and contact information of all employees within your organization who played any part in handling this dispute ''. 

These letters were sent via certified mail and the allotted time of thirty days was given each time. Unfortunately, Experian only " updated '' the files without in proof of the above. I have requested the above information to ensure the information that was reported was legal and accurate. Other bureaus could not seem to find the documents, thus deleting the tradelines from XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX. Experian, whereas " UPDATES '' the account. I am at a loss because I have yet to see where this updated information is coming from and I am concerned that they are not reaching out to XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX.
Product: Checking or savings account

Open both checking and savings account with BOFA. 
I was informed that I needed to have minimum balance of {$1500.00} to avoid fees. 

I did maintain a combined balance of {$1500.00} or more to avoid fees w/o realizing that the {$1500.00} minimum balance applies to one account ( Checking only ) I called BOFA asking for refund of all fees that were charged ( 5 X {$12.00} = {$60.00} ) and have put at least {$1500.00} on checking only but was only refunded ( 3 months x {$12.00} = {$36.00} ) of fees. 

It has been a nightmare to speak with someone from BOFA over the phone since I can't go to the branch due to COVID and BOFA app/website DOES NOT HAVE ANY MESSAGING FEATURE to communicate via secured message to discuss checking fees other than having to call in.
Product: Money transfer, virtual currency, or money service

My bank statement shows money that was sent to my cash app that never came to my cash app account
Product: Debt collection

In XX/XX/XXXX  I changed insurance coverage for my car to XXXX XXXX through XXXX ( then XXXX ) from XXXX XXXX. My previous insurance was expiring on XX/XX/XXXX but I canceled on XX/XX/XXXX because I got a new car and the new quote they gave me was too high for my budget. Upon cancelation which they acknowledged a day before expiration XXXX sent me a bill of {$110.00} outstanding payment which they did not explain what the charge is for or why I am being charged. I sent them evidence that I canceled before time and sent the declaration page for the new insurance but they handed me over to a debt collection company XXXX Credit Collection Services ) who threatened to report me to the credit bureau if I don't pay the outstanding amount. I agreed to a payment plan which they approved and made the XXXX payment on XX/XX/XXXX ( see attached ). However, I received my credit report in XXXX and it shows that a derogatory remark has been posted on my report from them on account of this collection. They also sent a letter to me that the agreement is cancelled because I defaulted in the agreement which is false because the money had been deducted from my account already. This is so unfair, firstly I was cheated to pay for a coverage I did not enjoy, then reporting me to the credit bureau for a collection they already made. I need a quick intervention to clear my credit records and also to get a refund for the unjust charges I received. This mis-representation of my credit record already depleted my credit scores by XXXX points so far and will have lasting impact on my records.
Product: Checking or savings account

Have Checking Account with TD bank Unauthorized fraudulent activity notified TD bank unable to contact XXXX  or XXXX  XXXX. 
These are the following transactions All pending {$51.00} XXXX  XX/XX/  {$6.00} XXXX  XX/XX/ {$37.00} XX/XX/XXXX{$14.00} XXXX  And XXXX  XXXX XXXX   {$200.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXXXXXX XXXX XXXX  Account NumberXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Navient calls me up to 5 times a day from unidentified numbers in different States. Everyday. Between XXXX and XXXX. Even during the pandemic period where loans were paused. They said that did not apply to me. Even though all my information came directly to me from the federal government. I was on the IDR plan and still am... I got notice of my payment restarting in XXXX. 
Navient does not care ... they want me to take out a private loan to pay back my federal loans. I also know that on XX/XX/2024 Navient will no longer be my service provider as they have quit. 
It seems like it's quite a scam. 
But they keep calling.
Product: Payday loan, title loan, or personal loan

On XX/XX/2020 I Purchase a stackable washer and dryer. From XXXX XXXX Acima did the finance. Once it arrived I told the delivery guy that I refuse the delivery he said to me that he was going home he was The mechanic not the delivery guy. For me to call the store XXXX give me a discount he be telling people that these appliances are new knowing that they arent. So on XX/XX/2020 on a Sunday. I calls and someone answers the phone and tells me to call back Monday. So I called back XX/XX/2020 explain to the store and was cussed out and was told I have my money take it up with the financial company then hung up on. So I called Acima XX/XX/2020 explain to them what was happening. They give me there website to submit pictures and I did.I explain to them how dented up it was I couldnt use the dryer the tub would hit the side it was dented so bad. The washer leaks and doesnt fill completely up I kept calling finally someone calls me on XX/XX/2020 telling me that they will give me a XXXX dollars check and I pay the remaining bill a total of XXXX. I explain that the washer and dryer is not working I shouldnt have to pay for something that doesnt work. Since I refuse the offer I was left paying XXXX for a appliance that doesnt work and is expect To pay for. I dont mind for paying for what I need and works but to give away XXXX and still have to buy one To fit my family accommodation
Product: Credit reporting or other personal consumer reports

In accordance with fair credit Reporting act.The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name # XXXX Bankruptcy XXXX  XXXXXXXX XXXX XXXX XXXX XXXXXXXX Incorrect Inquiry Reporting of XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Incorrect Inquiry Reporting of XXXX  XXXX # N/A Inquiry date XX/XX/XXXX Incorrect Inquiry Reporting of XXXX  XXXX # N/A Inquiry date XX/XX/XXXX Incorrect Inquiry Reporting of XXXX XXXX  # N/A Inquiry date XX/XX/XXXX Incorrect Inquiry Reporting of XXXX XXXX # N/A Inquiry date XX/XX/XXXX Incorrect Inquiry Reporting of XXXXXXXX XXXX XXXX # N/A Inquiry date XX/XX/XXXX Incorrect Inquiry Reporting of XXXX XXXX  XXXX # N/A Inquiry date XX/XX/XXXX Incorrect Inquiry Reporting of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Has violated my rights. 

15 U.S.C. 1681 Section 602 A, States I have the rights to privacy.

15 U.S.C. 1681 Section 604 A section 2, States a consumer reporting agency can not furnish an account without my WRITTEN Instruction and CONSENT.

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 on convictions and crimes which antedates the report by 7 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 or believes that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to write and call XXXX XXXX  however, I can not get my credit report issue resolved. They responded in a letter that they were unable to provide a goodwill adjustment to my account. I was not asking for this, as I know I made a payment to my credit card every month. 
I have been having medical issues. I was trying my best to keep up with my bills to avoid having 30 days late and to keep my credit score in good standing. I was in constant contact with XXXX online or by phone. My issues begun in XX/XX/XXXX this year. 
Looking back through my account history, it appears that my late payment situation started with the XXXX XXXX, 2017, payment. I paid my payment on XX/XX/XXXX and I spoke with a representative who graciously refunded my late fee. 
I paid my XX/XX/XXXX payment on XX/XX/XXXX. 
I knew I was late again in XX/XX/XXXX so I spoke with a representative and was told that I was due {$320.00} ( including the XX/XX/XXXX past due amount ) for XX/XX/XXXX. I paid the full amount of {$320.00} on XX/XX/XXXX for both payments of XX/XX/XXXX and XX/XX/XXXX. 
After seeing my credit report score drop significantly, I realized that this account is showing 30 days past due for XX/XX/XXXX. Im not sure how that can be since I paid the full amount due of {$320.00} on XX/XX/XXXX. 
If the full amount was not paid on that date, then the account shouldve showed past due in XX/XX/XXXX, which it did not. 
My account has been paid on the due date for the past 3 months. XXXX does not want to discuss my situation by phone and I have to keep writing to them to try to resolve my issue. This process is not consumer friendly and I do n't know where to go from here. I am asking for help to review my account and to hopefully have the 30 days late removed from my credit report.
Product: Credit card or prepaid card

We have our 1st mtg w/wells Fargo - nothing else, yet they are now sending us checks and have opened up a VISA account unsolicited. Isn't this the very thing they were fined for?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  {$96.00}? 
Account was settled with XXXX XXXXXXXX XXXX ... grave errorsfalse claim and reportingI want this account removed immediately or litigation may follow. Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. You can not collect a debt twice.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT and UPDATE all information which can not be verified. 
XXXX XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : {$0.00}, XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get my name change for months now and nothing i have proof my name is XXXX XXXX NOT XXXX or XXXX. I have also been to get XXXX XXXX  off my report it over 7 years old and need off now
Product: Vehicle loan or lease

Consumer Name : XXXX XXXX, Consumer Social Security Number : Private XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, Bridgecrest Credit Acceptance, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 
This fraudulent, inaccurate, and false information consists of an auto loan account opened at Bridgecrest Acceptance Corporation on XX/XX/XXXX under the account number XXXX. I do not recognize this account. The aforementioned account appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. This account is the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

Commonwealth financial is reporting against my credit score negatively and is reporting that the account is only 2 months old when in reality its been at least 7 years since I may or may not have used the services of   XXXX   XXXX   and fire department for an emergency situation. The debt should have fallen off my credit report by now. I am trying to rebuild my credit and am not against working with the collection agency but should not be shown as a new account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries Do Not belong to me. have them remove from all 3 credit bureus ASAP FTC report # XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Was told no interest leasing. No interest charged. That is what autotrakk llc advertises. Its fraud. I leased a XXXX dollar car contract says XXXX total charges being charged XXXX for buy out fee of XXXX and " rent rate '' charges to rent a leased vehicle. Thats XXXX additional dollars in charges that appear to be interest but they are hiding it under " rent fees '' none of this was explained to me by XXXX XXXX XXXX in XXXX XXXX where I purchased the vehicle. Also had the police called on me for demanding my car to be fixed ... engine blew 1 month after I purchased the car that came with warranty. Owner is XXXX and so is the manager of the finance department. Due to my lack of education and  inexperience of financial calculations and verbiage i was mislead and taking advantage of by XXXX XXXX XXXX in XXXX XXXX and autotrakk llc. Was also charged XXXX dollar fee to lease the car still not sure where that fee went to. Autotrakk and XXXX XXXX XXXX engages in unfair, deceptive, abusive acts towards consumers. I am stuck in a vehicle that is valued at XXXX kbb but im paying XXXX in overall costs. The car is a lemon that breaks down every other week. And the rent charges and buy out options were not explained to me and I did not understand what I was signing. I have attained an attorney as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Huntington National Bank did not send me a statement in XX/XX/XXXX or XX/XX/XXXX to inform me of my balance, Payment Due or that payment was not received. 

This caused a 30 day late payment to be reported to the Three National Credit reporting agencies. 

I informed Huntington of the error in XXXX of XXXX by phone. Several representatives acknowledged the Bank Error. They reversed fees and updated their systems to reflect the correct address previously provide on XX/XX/XXXX. 

I requested that my credit report be updated due to the bank error. There has been three different request filed by Supervisors to correct the error and update the credit bureaus. 
Case # XXXX XXXX, Case # XXXX, Case ID # XXXX. 
Internal complaint # XXXX Neither case has been resolved to date after several follow up attempts by phone, Fax or Mail. I have attached certified letter sent and fax confirmations.
Product: Checking or savings account

Company is refusing to send my remaining funds although I now have the correct bank statement for the funds that was deposited so basically they decided to steal my money
Product: Payday loan, title loan, or personal loan

I am writing to inform you that your company, Monterey Financial, has violated the Fair Credit Reporting Act ( FCRA ) by missing transactions and payments on my account and transferring my account to your company without all the required documents and payment history as required by law in the United States and the state of Texas. 
Your company 's failure to properly document my account and its history violates my rights as a consumer and is not what I agreed to when I obtained the loan from you. I demand that you void out the loan completely and stop all collection efforts against me. 
Furthermore, your company 's request for me to provide proof of payments is also a violation of the FCRA. I have already provided this information to your company, and any request for additional information is not in compliance with the FCRA. 
Under the FCRA, a violation of this nature carries a fine of {$1000.00} per offense. In my case, there were five missing transactions, which means that your company owes me {$5000.00} for these violations. 
In addition to the {$5000.00} owed for FCRA violations, I also demand compensation for the time and effort required to provide you with the requested documentation. This amounts to four hours of my time at a rate of {$75.00} per hour, totaling {$300.00}. 
I expect your company to take immediate action to resolve this matter. If I do not receive a satisfactory response from you within 30 days, I will have no choice but to seek legal action to protect my rights as a consumer. 
I advise you that your conduct is in violation of several transaction laws, including but not limited to the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Texas Debt Collection Act ( TDCA ). 
Thank you for your attention to this matter.
Product: Debt collection

Someone Came To My Home Address Who Was Not Law Enforcement While I Was On Vacation & Handed This Paperwork To My Dad. I Am An Adult And This Is Very Intrusive For Someone Who Is Not A Sheriff To Give This To Someone Other Than Myself. This Is A Violation To My Privacy And No One Should Know All Of My Financial Information The Way This Was Given Away Without My Permission. They Also Did Not Tell Him Who They Were Or Why They Were Handing Him These Papers. Very Unprofessional.
Product: Debt collection

I am writing to formally dispute the debt that has been reported on my credit report by XXXXXXXX XXXX XXXX XXXX XXXXXXXX and subsequently assigned to MIDLAND CREDIT MANAGEMENT. 

I do not have any contractual agreement with. As per the Fair Debt Collection Practices Act ( FDCPA ), I requested validation of this debt from MIDLAND CREDIT MANAGEMENT, including the original contract that I supposedly have with by XXXX XXXX XXXX XXXX XXXXXXXX. To date, I have not received any such validation or documentation. 

Given that no original contract or valid evidence has been provided, I am disputing the validity of this debt and request that it be removed from my credit report immediately.