23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I have had several auto loans with Bank of America, all paid on time and in good standing using their eBill auto-payment functionality. In XXXX of 2016, I logged into the BofA website and added an additional bank account to my profile that may be used for bill payment. I kept the original account on file, as this was tied to the auto-payment. Apparently, the addition of the bank account caused a failure in the XXXX auto-payment. I noticed on XXXX XXXX that the funds hand not been withdrawn from my account and logged in and manually paid the outstanding amount for XXXX and XXXX. The website shows the payments were accepted and the funds were withdrawn from my bank account. Between XXXX XXXX and XXXX XXXX I received 21 auto dialed calls. On none of which were messages left, nor was any email or mail sent to inform me of my late status. The calls were automatically blocked by the built in XXXX XXXX XXXX call protection service as spam/scam calls. I 'm filing this complaint because they are clearly harassing myself and others. When I noticed the number in my call protection logs, I called them on XXXX XXXX and they stated they did not show my payment as being applied, even though the funds were already taken out of my account. I was told the calls would continue until the payment was posted. I do n't think it should be possible to take someone 's funds and continue to harass the borrower. I have a credit score of XXXX and have never missed a payment with BofA until their technical failure caused XXXX 's issue. I remedied the situation within 30 days and did n't even request or receive credit for the late fees applied. Clearly, their automated processes lack oversight, timeliness, and reliability. This type of irresponsible harassment should not be something borrowers should have to experience.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. 
I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Accounts 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX XXXX XXXX  Account Number XXXX Delete this account. 

15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX XXXX Account Number XXXX Delete this account. 

15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX  XXXX XXXX Account Number XXXX Delete this account From My Credit Report Personal information is incorrect
Product: Payday loan, title loan, or personal loan

I was consulted to apply for a home energy loan through Ygrene and later discovered there are no early pay off options, extremely high interest rate, lein on my home, inability to refinance or sell property until loan is paid off in full. They require me to pay all interest first over the entire course of the loan and I was unable to sell my house when market was high and was unable to refinance when interest rates were low. The solar company that urged me into accepting this program insisted that the entire monthly dues would also act as a complete write off on taxes and that it was better to accept the longest term offered. The full amount is not available to write off and Ive reached out after several other issues with this solar company ( XXXX XXXX ) about this issue and no response. Ive reached out to Ygrene and they gave me a pay off amount of the entire initial loan amount after 6 years! ..out of 15. There is a lawsuit ongoing against Ygrene by FTC and I have signed the paper and mailed back but I havent heard back from them or know what is going on but I need the lien lifted and to be made whole again. Thank you
Product: Mortgage

I have had a line of credit with specialized loan servicing for many years and have never had any issues and have always paid on time. I was offered a modification with them several years ago after the XXXX shock and agreed to it. The mod is fixed 4 % interest only for the remainder of life of the line of credit. Two months ago I noticed that the payment increased and discovered their system of record reflects 4.25 % instead of the 4 %. Several calls in the last six weeks while waiting on a research ticket to be resolved to remedy this situation has gone ignored. Their executive office halted the continued montly ACH from my savings account and now I am having to call in payments due to non-corrective action on their part. According to the executive office, they do not know why their computer is not correcting the rate back to 4 %. We are making ( estimated ) payments now based on previous years payments based on the respective month. The fact that a mortgage servicing company can not explain, nor correct something as critical as the interest rate is egregious. Please help me!
Product: Credit reporting

I have disputed with Equifax several times and each time they have given me proof on how they verified or validated the accounts that I have disputed. I have requested original documentation with my signature on it and they have not done so. Under FCRA LAW I have the right to request that information and they are not allowed to report any item on my credit report that can not be verified with the original contract with my signature on it.
Product: Money transfer, virtual currency, or money service

I cant access my cash app but I tried calling customer service and they made me download an app and all my money in my cash app and also bank account was taken. 


I need help accessing my accounts they took over XXXX XXXX dollars from my account. I was lock out.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX account 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 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 602 A section 2 : also states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Prepaid card

I received an amex gift card with a large amount on it and I can't find anywhere to use the large amount. The only places that will accept it are small retailers for small transactions, and it will take forever to use the balance on frivolous little things when the money could be better used elsewhere. I'm stuck with this large gift card that I essentially can't use anywhere meaningful.
Product: Debt collection

In XXXX XXXX XXXX  I received several copies of invoices from XXXX XXXX XXXX  of account statements with withdrawals under my name with several different addresses from Citibank with Costco. The first invoice dated XX/XX/XXXX through XX/XX/XXXX had a balance of XXXX and my actual previous address. On the invoice dating XX/XX/XXXX through XX/XX/XXXX there is a balance of {$1600.00} and another invoice dated XX/XX/XXXX through XX/XX/XXXX with a balance of {$1600.00}. These last two invoices had two different addresses. In XXXX I called Citibank and provided my name and social security and asked them if there was a credit card opened under my name and social security and they said there was none issued. I attempted to file a police report several times but they did not open a case as they claimed it was fake. On XX/XX/2023 I received a court summons as this debt was being collected.
Product: Credit reporting, credit repair services, or other personal consumer reports

After disputing several accounts in on XX/XX/2020 with Transunion, they continue to report inaccurate information on several accounts and provide proof that these are my accounts after requesting factual disputes. I've submitted disputes online and info was updated and that was it. These accounts are reporting different amounts and dates at all three credit bureaus, so they need to be deleted off of my reports immediately. I asked that provide any original contracts signed by me, payments, and any communication sent to me from XXXX XXXX   and they haven't. 

XXXX XXXX - Acct # XXXX ( Please see attached screenshot of how it's reporting different amounts and dates on all three bureaus and the repossession letter ). Account needs to be deleted from all three bureaus as soon as possible as this is illegal and I will take legal action. 

XXXX SC - Acct # XXXX XXXX  XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX. 

XXXX XXXX XXXX  - Acct # XXXX XXXX XXXX XXXX - Acct # XXXX XXXX XXXX XXXX - Acct # XXXX XXXX/XXXX  XXXX  - Acct # XXXX I know my rights from Title 15, USC 1692. I have the right to sue for violations of the US.

Any assistance will be greatly appreciated.
Product: Credit reporting or other personal consumer reports

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please update the following accounts completely from my credit reports. XXXX XXXX and XXXX XXXX.
Product: Debt collection

My daughter is suspected of this credit fraud. My question to this act is, a credit check should have caught this. Valid identification is required, yet this account was opened? Opened : XXXX XXXX 2016, amt. {$520.00}
Product: Credit reporting 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 items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$9500.00} XXXXXXXX XXXXXXXX Balance : {$460.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payment XXXX XXXX XXXX for months. XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX. on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Product: Vehicle loan or lease

I contacted US  Bank XXXX XXXX  in XX/XX/2023 regarding the end of my lease that was occurring in XX/XX/2023 and I was offered to terminate it early. If I did so the excess mileage, wear and tear fees would be waived and I would get a refund of the last two payments paid. I agreed to do this, the car was picked up the following up day but the company who picked up the car did not provide any paperwork to confirm that I no longer had possession of the vehicle or anything regarding the condition of the vehicle which was the first thing odd about this return process. I called US Bank to confirm they had the vehicle and they advised yes. I also asked for a lease end statement and was told they don't do this. I pushed back against this as this is not standard practice and eventually they agreed to send me a letter stating the lease was closed and no payments were owed. I received this letter and I called in XXXX regarding the status of the refund for the last two payments paid. I was told in XXXX it would be 60 days but when I spoke to an agent in XXXX after checking she said that it likely be 60 days from when the vehicle was auctioned which occurred at the end of XX/XX/2023. Then this week I received an invoice for the excessive mileage and when I called the rep I spoke with advised that my account had numerous offers but she didn't see the excessive mileage waiver added. The whole reason why I agreed to terminate the lease early was because of this being offered or I would have sold it on my own which would have avoided any fees being assessed. This bait and switch tactic leads me to believe this more of deeper problem with US Bank XXXX as they don't seem to do things that are standard. Also try to really discourage their customers from exercising their right to purchase the vehicle at the end of a lease.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 602 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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: Credit reporting, credit repair services, or other personal consumer reports

I recently conducted a review of my credit report, and I noticed that your agency showed XXXX ( XXXX ), XXXX XXXX XXXX, AMERICAN EXPRESS ( AMEX ) credit inquiries without my knowledge. The unknown and unauthorize inquiries in question was apparently made by -AMERICAN EXPRESS ( AMEX ) on XX/XX/XXXX, -XXXX ( XXXX ) XXXX XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. An unauthorize hard inquiries by XXXX XXXX XXXX  on XX/XX/XXXX, and XXXX XXXX, XXXX. I have not informed or recalled of any association with these company. I have contacted XXXX, and XXXX XXXX XXXX  and American Express ( AMEX ) requested them to take action to get this inquiry removed from their records and to erase any record of the inquiries with all credit reporting agencies. They assured me they would comply with my request and proceed necessary steps to resolve the issue. I wanted to contact all the credit agency as well, just to make sure the issue would be resolved immediately.
Product: Money transfer, virtual currency, or money service

PayPal has discontinued my account, and is refusing to release funds which have been stored in my digital wallet. They are claiming that I must wait 6 months before my funds will be released. They gave no specific reason as to why they took this action. I would like for PayPal to release the funds stored in my digital wallet. 

" At PayPal, we value a safer community for our customers to do business. We noticed activity in your account that's inconsistent with our User Agreement, and therefore we can no longer offer you PayPal services. 

Any bank account or credit card details attached to your PayPal account can't be removed nor can they be used to create a new account. You can still log in and see your account information but you can't send or receive money. Any money in your balance will be held for 180 days, after which we'll send you an email with instructions on how to transfer your money. ''
Product: Debt collection

This debt was OFF of my XXXX report!!!!! It NEEDS TO STAY OFF!!!!! I just looked at it, and it 's back on there!!!! I 've never had this credit card in my XXXX life, and it 's under my maiden name!!!! It was for {$7.00}, then increased to {$770.00}!!!! These people DO NOT LISTEN!!!!!!!! I have tried communicating with them in the past!!!!! Unacceptable!!!!! I AM NOT paying for this!!!! I did n't do it!!!!
Product: Checking or savings account

Hello, On XX/XX/2022 I opened a checking account with Chase when they offered a {$400.00} bonus with requirements which I completed on time. The completed requirement they are denying me is the Direct Deposit which was completed on time, XX/XX/2022. See the offer & direct deposit from my employer attached using a company called XXXX ( a XXXX XXXX XXXX ). After closing the account I opened an account at XXXX XXXX & those deposits are noted as Direct Deposit. 

I spoke to a representative three times & walked into the bank. No one wanted to listen. 

I feel like I was lied to. Surely, they should be up on how employees/independent contractors are paid by using other means of direct deposits. Or, perhaps they just didn't feel the amount of the deposit wasn't high enough. There was no limit indicated by Chase. 

Thank you for your help! I sure am relieved to know you are here to protect consumers. You were very quick to respond with great results when I reached out when I helped my sister & a client who needed help with their loan modification.
Product: Debt collection

In 2011 XXXX XXXX XXXX XXXX XXXX NY investigated this debt from XXXX XXXX and it was found to be not valid due to the inability of XXXX to produce any bill that was in my name. Contract Callers Inc. is now calling on a daily basis stating it was my debt. I asked them for supporting documentation from XXXX to verify the debt and they told me I could call them and verify the debt. I told them if they could not provide verifying documentation, they would need to cease and desist from any collection activities according my rights under the FDCPA. They refused to produce the supporting documents and said all they had to provide to me was a statement, written by them, stating that they were collecting a debt for XXXX.They also told me that this debt was on my credit report. This debt is not on my credit report because it was removed once the XXXX XXXX XXXX XXXX NY found that it was an unverifiable debt. The harassment and strong arm tactics of trying to get me a pay a bill I am not, nor never have been responsible for is completely unfair and is infringing on my rights as a debtor.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/2XXXX XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX & XXXX XXXX Date of Inquiry XXXX
Product: Bank account or service

E-payments initiated through BB & T have the funds held out of the account at around XXXX the day the payment is initiated, these funds are held unavailable until the day the payment processes, usually XXXX business days. On XXXX occasions, this has caused some other checks to overdraft. That is to be expected. On these occasions, however, when the e-payment finally posted, it also was charged an overdraft even though the funds to cover the payment had been held out of the account for several days. I understand incurring XXXX charge, but there is no reasonable explanation for charging an overdraft because funds were held to cover a specific payment and then again for the payment that had funds held for it. You can do XXXX, but not XXXX. 

Additionally, BB & T claims a check deposited on XXXX was not available to cover payments made. BB & T posted the check on XXXX, the account the check was written from cleared the check on XXXX, it shows on the ledger balance as there and the account with a positive balance. They still claim it was overdrawn but can not explain exactly which order the checks cleared or the times they hit the account. 

Finally, on Tuesday, several checks overdrew the account ( due to e-payments holds ), XXXX employees cashed multiple checks into their accounts and while one would think those checks would post together, they were posted by BB & T not in the groups they were cashed in but rather in order to maximize the number of overdrafts that could be charged.
Product: Credit reporting or other personal consumer reports

This morning, I noticed unauthorized inquiries on my credit report, which left me puzzled since I routinely check it without issue. Refreshing my browser didnt resolve this, and the discrepancies remained. I need this matter addressed immediately, and I urge you to review the documents Ive provided so I can finally have peace of mind.
Product: Credit reporting

Last year XXXX started reporting some old accounts that I had never been communicated before that I owed. After agreeing that they would delete the trade line from the credit reporting bureaus and that I would pay such amounts ( which I did ), I received some written acknowledgments from this companies that the trade lines would be deleted. It 's been several months, and the accounts are still being reported. I was able to contact XXXX and get the trade line deleted ( after spending hours with them on the phone and sending back and forward letters ). With XXXX and Equifax I have n't been able, as because of my long last name, it 's impossible to correctly fill up their requested fields. I 'm outraged. This has been going on for over a year. If this time this is not resolved, I will sue.
Product: Debt collection

This card was used in fraudulent activities, and I never received any notice ; then it ended up in collections. I disputed it many times through XXXX XXXX, but it did not work. They do not seem to care that it was used fraudulently. It is a Capital One card for an amount of {$220.00}. I tried to resolve it with Capital One, and the representative said they were going to put in paperwork but never did. Not sure what else to do.