23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I am filing a complaint with the CFPB for Capital Ones failure to deposit my payout from my small business website, XXXX and any other deposits. Capital One has sited technical issues, which h may violate, Electronic Funds Transfer Act ( EFTA ), as it requires timely access to funds. This situation raises concerns consumer protection laws and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Debt collection

My identity was stolen. I disputed the accounts multiple times. There are repeated accounts on my credit where they have added it multiple times to the same account. Said they hired an attorney to take care of the debt that was never even mine.
Product: Checking or savings account

I submitted a claim on Thursday XX/XX/XXXX. I was then sent to the fraud department and the fraud department told me I would have my funds back immediately that day well on Friday XX/XX/XXXX, I did not have my funds back so I made another call to Bank Of America and was told that they put in an escalation and I would have an answer later Friday afternoon. I called Bank Of America back because I had also requested a supervisor call me and no one ever called me and the second person I spoke to on Friday told me that an escalation was never submitted. They submitted finally, and escalation Friday afternoon which shouldve been completed by Tuesday XX/XX/XXXX. The escalation was not completed by Tuesday when I spoke to someone so they submitted another escalation. Well here we are Wednesday XX/XX/XXXX and I called and no one ever filed the escalation from XX/XX/XXXX like they said they did and I still dont have my money back. every person I talk to from the bank gives me a different answer. Every person who says they did something for me ends up not doing it and I just keep getting the runaround.
Product: Vehicle loan or lease

I purchased a XXXX XXXX XXXX XXXX XXXX purchased from XXXX XXXX in XXXX XXXX XXXX on XXXX date of purchase ) I personally believe the sham starts there as they are the ones that push this company. I understand my credit is not the best and due to that fact XXXX m aware that my interest rate is higher and was told I can pay off early and lose the interest. My loan was initially taken from next step funding and some how I owe the money to monteray financial. There policies and collection protocol is ridiculous. And there customer service and support is non existent. I knew I was going to be paying at least double the sale price which already is border line loan sharing but once you twist up the terms and wording and honestly who reads that stuff. But as it turns out there is no paying off early cause Im actually renting the scooter and will pay a little more than triple the original sale price. But thats not my original gripe. I understand its my fault for not reading the fine print but as I looked online there are hundreds of people with same complaint. So there must be something we can do about this, I already threatened with a law suit and that was the only time I got any consideration. I originally stumbled onto this problem by accicident because XXXX weeks after I bought the scooter is broke down. And repeatedly broke down for about 2 months, I could not get any kind of service or help from XXXX XXXX and I was not going to continue to pay for a broken scooter. I tried next step funding and got no where and then started to get phone calls from XXXX XXXX about 5 Times a day and my fianc as well calling her at work and she isnt even involved, I told them my situation and was told they only gave me a loan and are not responsible for scooter Fair enough I though at the time so I figured I had to balttle with scooter store., I come to find out that I pay a rental fee to them so they are responsible I told them I want to keep my agreement as fraudulent as it is but am not paying fior the time scooter wasnt working I said I will pay for current month once you take old months off,, I guess they just wanted my money cause they agreed and I payed and next month it started all over again and every month since then. And now Im getting bad credit reports. I worked very hard on my credit the past 2 years to repair my childhood damage and Im at a loss here. Please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

This XXXX  is currently showing 30 days late way back XX/XX/XXXX, XX/XX/XXXX and in XXXX to XX/XX/XXXX. I have multiple attempts in reaching the bureaus and the company however I do not receive any feedbacks or response from them. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately because this late payment is affecting my credit scores and need it to remove immediately. 
XXXX XXXX XXXX : {$320.00}
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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Product: Money transfer, virtual currency, or money service

On XX/XX/2020 I was a victim of a scam and yes it was my fault for not knowing this I needed help with linking my account with XXXX XXXX company and I got there phone number from XXXX search I called the number which was XXXX I called and they answered XXXX XXXX they said they would help me they said I had to make dummy transactions which I will get the money back 2 transactions of XXXX totally XXXX dollers were made to phone number XXXX from your bank through XXXX after the second transaction I told the rep to cancel this and return the money he said he could not until I make the 3rd I immediately called XXXX XXXX XXXX and ask them to stop the transactions and they told me 2 of them already left I told them how could they leave in a matter of 2 minates and not put in a pending status they put holds on my accounts and was told by XXXX  XXXX that to go in to the branch and they will give me new accounts without the joint account holder present, I went into the branch i felt very uncortabke which I told the rep conducting this through a teller window becuase customers on line waiting can hear my information she said only way to do this I asked her for her help she said we dont open or change accounts at the branch and would offer some asisitance but she does not have to do this becuase all bank business is done on computer then I was told I need the joint holder present which I was told on the phone I did not have to do XXXX then teller told me she would be back in a hour she needs to do something for her boss the rep I was dealing with was XXXX and unasked for the manager I was told no mama her was in the branch I thought mama get would be mote understanding becuase i was a victim of fraud a scam but told no manager after 4 hours there at the bank they did not help me completely and not putting joint holder on new account.and when the teller came back the teller in the next window elderly XXXX woman told me I was holding up her job and she had to do extra work becuase of me. They never gave me temp checks to use. When I went home I tried to call the XXXX number to add joint holder they claim to have computer problems and could not help me for days they sent me 50 checks in the mail but when I received them the account number was wrong on the checks to this day I have not received new checks I know this is partially my fault that I was a victim of fraud and a scam but if the bank did not dispose these funds right away which usually takes hours or the next day the criminal activity could have been stopped I feel very bad about the whole situation and I filed a claim and I was told it was denied I feel very bad that my money was taken and also the treatment using XXXX  XXXX I feel the claim should have been honored its legit a complaint about this situation a complaint was filed with the mustard attorney general, fbi and report will be filed with the police I wish this never happens to anyone what I went through and wish you would reconsider my claim I have been put through a lot please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to dispute equitable acceptance off my credit report itd decreasing my credit this is something I cant control. This company is a 3rd party scammer Through XXXX XXXX XXXX I was making auto draft payments for about 2 years {$42.00} I reached out to my bank to stop payments and I spoke to a NY lawyer who explained there is a lawsuit out now and Im not the only one effected by this. I want this company removed off my credit. XXXX XXXX XXXX was removed off my credit so should equitable acceptance please remove this or I will get a lawyer involved for something I cant control
Product: Student loan

I sent a goodwill request. The request outlined the details on my current loan status. I have completely paid off one of the loans and the trade line is still in my report. 

The other loan I have 4 remaining payments on the settlement given to me. Which I plan to pay off. 

I have yet to get a resolution. 


The company has gotten their money the loans are 10 years old. I do n't see the continued need for the ( Charge off paid in settlement ) status to remain on my report.
Product: Debt or credit management

The company is National Debt Relief. 

The issue they posed to me was that they would have me approve settlement offers and then change the details they provided me immediately after I signed. This happened on multiple occurrences. When I contacted the company to retract my offers due to changing details after I approve they essentially said they could not and it was my fault for accepting the agreements. This, to me, seems highly illegal and is essentially tricking their customers to accept legally binding offers and changing the details of said offers after the customer agrees. The details they changed were the balances on my debt and National Debt Relief charges a 25 % fee of the balance. I choose to accept settlements offers based on the settlement plus the 25 % balance fee. This means that, after changing the fee, the total I pay changed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX 's account was charged off in XX/XX/2017 and since then it has been reporting monthly as a charge off. Also all three bureaus are reporting different information and that which is a violation. I have written letters to all three bureaus asking that this account be removed for the violation and wrong information, and XXXX and TransUnion are still reporting the account. Since my last complaint to TransUnion they said they were unable to verify my address or identity. Since then I have sent my ID and a utility bill reflecting my current address.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under 15 USC 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. 2 ) In accordance with the written instructions of the consumer to whom it relates.US DEPARTMENT OF EDUCATIONXXXX, XXXX XXXX XXXX XXXX, AND XXXX never gave XXXX, Equifax, or XXXX written consent or permissible purpose to report anything on my consumer report, in addition ti having not validated or confirmed with proof of certified mailing of a written consent in writing by me.. No Consent is IDENTITY THEFT. Concerning the account listed below as a consumer I Am demanding a deletion of this account. Immediately. I, XXXX, the executor, have a legal right and security interest, under federal law ( 49 USC 14301, UCC 9-317,12 CFR 1026.23 ) to cancel this transaction, only collecting the proceeds not assets, without any penalty or obligation from the above date or any later date on which all material disclosures required under the truth in lending act have been given to you.When canceling this transaction any lien or other security interest on my property arising from this transaction is automatically void. I am also entitled to receive all proceeds of which this account is owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint, against Equifax ( Credit Reporting Agency ), after exhausting all other avenues of resolution. My complaint is in regards to a particular tradeline that appears on my account for an unknown medical collection account. The tradeline is as follows : XXXX XXXX XXXX ( also known as XXXX XXXX XXXX ) Account # XXXX I have engaged in the following correspondence with Equifax. : XXXX/XXXX/XXXX : XXXX XXXX to Equifax, requesting VERIFICATION of the above account with XXXX XXXX XXXX. I requested the name of the person providing this data, and the manner in which it was provided in order that I may pursue additional legal remedies. XXXX/XXXX/XXXX : Response from Equifax. Equifax responds by UPDATING this unknown account to reflect a {$0.00} balance, and a change in address. Reporting it as a Paid Collection. I wrote to the reporting CA requesting validation and received no valid response XXXX/XXXX/XXXX : Letter to Equifax, notifying them that this account is disputed, and providing them with a copy of my letter to the CA XXXX/XXXX/XXXX : Response from Equifax requesting further information from me, which I provided in the previous correspondence already. XXXX/XXXX/XXXX : Follow up Letter to Equifax with information they requested, concerning this dispute. XXXX/XXXX/XXXX : Received response from Equifax, notifying me of the need for the VERY INFORMATION I SENT THEM. It is CLEAR that they made no attempt to properly investigate or verify this account, or produce any documentation that shows that the reporting CA had any right to report on this unknown medical account. They have FAILED in their responsibility to me as a consumer with respect to their FCRA practices. In a phone call with Equifax about an unrelated issue, the Representative informed me that for THIS tradeline, they had no documentation which would authorize them to report on this account, based on any legitimate claim by the CA. Nevertheless, the tradeline persists on my report and has done SEVERE damage to my creditworthiness at a critical time. At this time this unknown medical account appears ONLY on my Equifax report.
Product: Credit reporting, credit repair services, or other personal consumer reports

COMENITYBANK/VICTORIA is reporting derogatory information onto my consumer report that needs to be removed.15 USC 1681 Section 602 States I have the right to privacy. I did'nt give consent to COMENITYBANK/VICTORIA to share my information with a non affiliated third party. The Gramm Leach Bliley Act 15 USC 6801 says that a financial institution is not supposed to share non public personal information to a third party. COMENITYBANK/VICTORIA is furnishing a paid off/closed account onto my consumer report. COMENITYBANK/VICTORIA did not clearly and conspicuously give me the option to opt out of credit reporting as it states in the Gramm Leach Bliley Act. I am asking COMENITYBANK/VICTORIA to Cease and Desist all communication through any and all mediums unless it is for a specified remedy that I am invoking. The term communication through any and all mediums would be telephone, email, social media, and any consumer report. This notice is pursuant to 15 USC 1692c. The term communication pursuant to 15 USC 1692a ( 2 ) means the conveying of information regarding a debt directly or indirectly to any person through any medium. This alleged debt is reporting onto my consumer report which is a form of communication and I need this account removed. This is also a direct violation of 15 USC 1692d ( 1 ) as my consumer report is my reputation and because this derogatory account is being reported and causing harm to my reputation I am entitled to compensation under 15 USC 1692 ( k ) of monetary relief of { {$1000.00} }
Product: Credit reporting or other personal consumer reports

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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.

Also, they aren't even in compliance with Metro 2 credit reporting. 

I have evidence to prove my case! 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX - XXXX {$2100.00} XXXX XXXX XXXX - XXXX {$400.00} XXXX XXXX  - XXXX {$2400.00} XXXX XXXX
Product: Credit reporting or other personal consumer reports

filed a complaint XX/XX/year>XXXX  and CRA admitted they didn't have information as requested
Product: Debt collection

Midland Funding is reporting an {$850.00} debt to the credit agencies. I have not been sent any paperwork to explain the originality of this debt. Therefore I can not verify it is my debt. They have put derogatory remarks on my credit reports repeatedly and recently. It has caused my credit score to drop drastically. If proved this is my debt I am willing to make small payments each month until debt is paid off in full. But if theres no communication explaining where this debt came from I do not think it is fair practice to come out of no where years later and affect my credit score in this manner. They may contact me via text at XXXX. Thank you. XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have not yet paid for the service but I am trying to get. A free background check for live ops for employment and I am also on government assistance food stamps please help me out I need this job and have no money to pay for the background check thank you
Product: Checking or savings account

I have contacted my bank to stop payment from being taken by some lenders. The bank charged me {$33.00} for each lender. Now these lenders still take payments on the scheduled dates. I spoke to my bank to let them know that the payments are still being taken. The bank is now saying stop payment is not guaranteed and they can't do nothing about it. The bank never said that to me that stop payment is not guaranteed by charging me for each service. 
I tried seeking help from my bank but they'll not helping so I need you guys to step in. Thank you. 
XX/XX/2021 XX/XX/2021 Those are the dates the money was taken from 3 lenders Amounts : {$140.00} {$100.00} {$100.00}
Product: Checking or savings account

From the Bank reply : Customers who have received the promotional mailing inviting them to earn a {$300.00} Bonus. 
The new personal checking account and/or savings account must be opened within the timeframe notated on the promotional mailer. 

BUT on the TD Bank website screenshot, No promotional mailer is required to open a new checking account in a store. 
On XXXX XXXX, the banker never asked for a promotional mailer for the bonus.
Product: Prepaid card

They closed my card account and did n't give me a reason. Now they are going to charge me money to send me a check for the remaining balance. They have not presented any other way for me to receive the money without paying them a fee.
Product: Vehicle loan or lease

I bought this car XX/XX/XXXX it was a XXXX XXXX XXXX for XXXX I made a payment a of XXXX a month for 4 years this car engine went up XXXX time be for I called them to repossess the vechicle. this car was in good condition body wise. Its no way they are asking me to pay XXXX for the balance of the car price... they have the car and I was not behind on my payments. I asked them to pick up the car XX/XX/XXXX because I wasnt paying for another engine
Product: Payday loan, title loan, or personal loan

I applied for a loan on XX/XX/2018 due to a financial hardship. It was for {$800.00}. I've missed 3 payments and the interest rate is accruing daily. The total I owe is now up to {$1200.00}. I have discovered that online payday loans are illegal in Kentucky. I contacted the company regarding this and they stated I owe the principal but the interest that is accruing daily. I contacted the XXXX  and the Department of Financial institutions in Kentucky. DFI submitted a cease and desist letter on my behalf.
Product: Debt collection

I received a letter from the company CMRE Financial Services stating that I owed there company. Over the past couple of days I have paid ever balance owed to the original company which is XXXX   XXXX XXXX.