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

We paid in advance for a large purchase ( > {$20000.00} ) on XX/XX/2021 that had been charged to our Bank of America ( BofA ) credit card. We wanted to be sure that it was paid on time without any late fees, interest etc. BofA then made an automatic payment of another > {$20000.00} on the due date of XX/XX/XXXX. This caused our checking account to be over drawn by about {$16000.00} and required us to move funds from an interest bearing account so we wouldn't have continuing overdraft charges. When we called Bank of America on XX/XX/XXXX we were informed that we should have stopped the automatic payment because BoA withdraws whatever the due amount was on the statement regardless of any manual payments. [ This is an unethical practice that could be easily fixed by changing the computer code that does the payment processing. ] Anyway we requested that the overpayment be refunded. We were told that it would be done but that it would take 2-5 business days. We called BofA again on XX/XX/XXXX since the 5 business days certainly had passed and were reassured that the refund was being processed. We were told we should receive the money in a day or two. On the XXXX of of XXXX we went to a local BofA office to talk to a person face-to-face. She called someone who was supposed to call us back the same day to confirm it but never did. We then called the BofA XXXX number again. The person we talked to there asked for our bank account information and sounded as if she was going to initiate a refund immediately. She then told us that a complaint was being processed so she couldn't put in another action. I then requested to speak to a supervisor ( XXXX ) who GUARANTEED me that the money would be in our account on XX/XX/XXXX which she claimed was the 10th business day since we had requested the refund. A check of the records on XX/XX/XXXX showed no change on the Bank of America account and no refund in our checking account. We went back to the local office on XX/XX/XXXX. The associate we had spoken to on the XXXX again called the XXXX number. She was told that the refund had just been approved on XX/XX/XXXX and the refund should take 24 -48 hours. We took that to mean the money would be deposited in our account sometime over the weekend. Today XX/XX/XXXX, the 1st business day after XXXX, we still have no refund and were told by the local BofA manager that it could take 2-3 more business days to send the refund. 
How long can a bank legally withhold overpayment funds? Is this a scheme to keep our money as long as possible to use it for investments? Our patience has obviously worn thin. Even IF and when we get our $ 20,000+ back, our recommendation to friends and family will be to AVOID Bank of America XXXX
Product: Vehicle loan or lease

I am looking to pay off car loan and notice that the balance on the car loan is going up. 
Monthly payments are made on time with an additional payment of about {$18.00} extra paid monthly. I have reached out to Ally Auto 2x to get answers but I am put on hold with no clear explanation as why balance is increasing. Statements are showing more than $ XXXX. unpaid balance. When I call Ally Auto it is confirmed that I do consistently make monthly payments on time, but told they could not see on their end the unpaid balance that I see on statement. Also no one clearly explains the daily dollar amount {$1.00}. The call goes silent as I wait for answers for long periods of time then eventually Ally Auto hangs up with no resolution. How can I pay off my car loan if the balance continues to go up. 
Initial Sale Contract 10.34 % Interest Rate {$6100.00} Finance Charge Want to pay off balance on car but balance continues to increase monthly with Ally Auto. 
Please Advise
Product: Credit card or prepaid card

Greetings, I have been subscribed to Credit Karma for a few years and currently still am. My initial purpose for signing up was to use it as a tool to help me monitor my credit score, learning techniques to build my credit and to seek approval for initially a secured credit card. I recently was informed that Credit Karma was misleading subscriber and customers such as myself with the very high approval rating for many different types of credit cards. I too was unfortunately a victim of their misleading information and applied for multiple and various types of credit cards based solely on the approval rating provided by Credit Karma. I do believe that some of the current inquiries on my credit report are as a result of me applying for those cards based on that misleading information. I believe that is very wrong for them to mislead people in general but especially those of us that are trying to improve our credit. Also, the score that the provide for your current credit score with the 3 credit bureaus is also misleading. Those numbers aren't an accurate representation of the current score on people 's credit report. Mine is not accurate, which has led me to get a subscription and membership with XXXX that allows me to access my the other two credit bureaus as well. They are hurting and lying to customers, instead of truly helping us.
Product: Checking or savings account

On XX/XX/2020 I used my newly opened Capital One checking account to send {$1500.00} by the transfer service, XXXX, through Capital one. My account showed the money was sent, but the recipient never received it. capital one was and is very difficult to contact, after wasting hours trying to get help ( all calls recorded ) i was only told to keep waiting, or transferred between useless and incompetent people. Capital one is taking too long to give me back money my family and I need to survive. Their inaction is causing us financial and medical issues. There is no one that can help and I can not afford for to keep waiting indefinitely for them to " look into it ''. Do something, anything, to earn your title as an organization involved in consumer protection.
Product: Credit card or prepaid card

I purchased a vanilla visa gift card from XXXX to be presented to my mother in law on XXXX XXXX on the XXXX of XXXX. To my amazement, she tried to use the card on the XXXX the second day of purchase but the card has already been used to make a payment to XXXX XXXX. I went to XXXX to complain but they denied they were not liable to that. I called vanilla several times to no avail.
Product: Mortgage

XXXX loan originator - XXXX XXXX has refused to provide me with the mortgage estimate in standard Loan estimate form referenced in this article : ( https : //www.consumerfinance.govXXXX ). 

After i had provided him with all necessary information including XXXX, he put hard inquiry on my credit report and refused providing me estimate in the form referenced here in the XXXX XXXX website saying he ca n't provide me with this form until i signed disclosure package and commit to them. I were thrown off, because all other lenders had no problem and gave me their estimate in this standard unified form, so it 's easier for me-consumer to compare terms.
Moreover, he was rude and very argumentative, claiming he knows what the guides are and that all other lenders who provided me with this Loan estimate form did it illegally and he completely ignored that it 's clearly outlined on the XXXX XXXX website. 

In other words he made sure, i will take my business elsewhere, at least where the people are polite and have professional manners.
Product: Debt collection

A company based in North Carolina has contacted me about a XXXX XXXXXXXX XXXX account that is fraudulent. I have never had a businesses account in my life. I believe the account open sometime in XXXX, I never had a bank account in that time frame with XXXX  XXXX XXXX, I have been on social service and SSI since 2005, I did not ever have a buisness I lived at 2 different address at that time and never had a bill come to me at any of my physical address. I just found out about this account 13 years later?? Company involves CADDIES FUNDING LLC c/o XXXX XXXX XXXX XXXX XXXX, XXXX, SC,XXXX  XXXX
Product: Checking or savings account

Today, XX/XX/22, I sent a number money through XXXX, and it was {$1500.00}. My friend said she would send me double back and she stopped replying to my messages and stole my money. I tried reaching back out and they never responded again. I desperately need it back to pay my rent.
Product: Student loan

I had deferred payments set up while I was going thru a hardship in XXXX when my loan was with XXXX XXXX, then again in XXXX. When I reviewed my credit report the account posted as late. Those accounts should not have posted negative since I called the company and let them know I was in between jobs and needed to defer my payments.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX, and TransUnion ) credit report, and I noticed some late payments posted on my credit report : 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 XXXX XXXX  Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : 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.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations.

Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX XXXX
Product: Checking or savings account

On the XXXX of XX/XX/2020 SunTrust now known as truist bank restricted my online banking and restricted me from withdrawing from my bank account because I initiated a XXXX  transfer of about XXXX $ to my family member... 
I called the customer service and was told to walk into a branch branch to resolve my bank issue .... 
I visited the local bank branch in XXXX GA where I live and I was told my account is closed because I violated the terms and condition and that my account will be closed and my funds mailed to me in 90 day over a {$10.00} XXXX transfer????? I was shocked .... 
I kept getting notification of my daily balance on my email address and still kept seeing my available balance, I had {$11000.00} in my account and they kept notifying me of it daily ... then on day I noticed the available balance was {$0.00} and finally I was excited my check had been mailed out and then I noticed at a point again my account balance was & XXXX, I was surprised the account I was told was closed was still active and still getting emails but then one day I stopped recieveing emails .... 
And after waiting for almost 2 years now I am still yet to get my {$11000.00} I had in my account when it was closed
Product: Credit reporting, credit repair services, or other personal consumer reports

I never gave this company permission to run my credit.
Product: Payday loan, title loan, or personal loan

I have an open-end line of credit with CashNet USA which is illegal in XXXX  and may be predatory lending due to the APR of 299 % for cash advances and the excessive amount of fees charged ( 15 % on cash advances, for example ). When I signed the attached loan agreement in XXXX, I was not aware that CashNet USA had my old XXXX  address on file. I moved from XXXX  to XXXX in XX/XX/XXXX. My understanding is that CashNet USA does not have a license to offer open-end lines of credit in XXXX. This loan should be null and void - the current loan balance is {$1400.00} and I have been making semi-monthly payments since XX/XX/XXXX ( XX/XX/XXXX and last day of each month ) of between {$300.00} and {$350.00}. I should no longer be obligated to repay it because CashNet USA should not have offered this loan to me in the first place knowing that I live in XXXX and they don't have a license to offer these types of loans in my state. I used my XXXX address when I applied online for credit with CashNet USA, and I also verbally informed them of my relocation during the application process. Most importantly, I believe that the excessive APR and excessive fees are  viewed as predatory lending practices in XXXX
Product: Debt collection

I came home from taking care of some business and found a call on my caller ID that I didn't reconize so I called back and a man with a XXXX accent answered the phone and started to give me a run about infomation on me and claimed I owed a debt that they were attempting to collect. I knew I didn't owe a debt so I chewed the man out and told the not to call me anymore or I'd take legal action and I hung up.
Product: Debt collection

I have a collection from Portfolio Recovery XXXX. I requested verification from them and all I got was a printout from the company along with statments from the bank. I requested proof that this debt is mine and that the amount is correct. I don't think printing statements is sufficient proof.
Product: Mortgage

1 ) the company gave me no notification that they were the new owner of my loan.

2 ) the company support phone line and email will not answer 3 ) they have no option to go paperless 4 ) I signed up for auto draft on the XXXX of each month, but they will not draft. I have to call and leave voicemails on the support line each day for 5 days after my draft until it is drafted. 
5 ) they do not allow me to make one time, lump sum payments towards my principal
Product: Debt collection

I was repeated called to collect the debt and made several statements about Deferment via Covid-19 Emergency Relief and Federal Student Aid. Their callers expressed no knowledge of deferment. When I contacted XXXX XXXX XXXX about deferment they said that they have directed ECIS to conduct deferments. When I called again and expressed that I talked to XXXX XXXX finally an agent admitted they do have a process for deferment. I received an email and then filed deferment with them. Soon after I found out that my debt has gone to collections. I have no notice of deferment and have no idea whether it was processed or not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple times to Equifax to remove multiple accounts and unauthorized inquires that are not mine to my knowledge and a result of fraud. I've sent debt validation nothing was validate. When disputed with Equifax it was confirm valid but no proof was shown. Ive faxed and mailed out via certified mail a FTC report and also a police report and Equifax failed to follow suit as other credit reporting agency has done so. I need XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX and inquires XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX removed from my credit report or send debt validation of these accounts with my signature.
Product: Credit reporting or other personal consumer reports

This notice is a reporting of FCRA VIOLATION.

This to inform you that you have reaged this account which is illegal by law. 

The account was first reported on my consumer report XX/XX/year>. Florida Statue of limitation is 4 yrs. 

Per 1006.26 Collection of time-barred debts ( 2 ) Time-barred debtmeans a debt for which the applicable statute of limitations has expired. 

You knowingly and willingly have unlawfully reported this debt to my consumer report. 

Per 1006.18 False, deceptive, or misleading representations or means ( d ) False representations or deceptive means.A debt collector must not use any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. 


I have NOT given you written permission to put anything on my credit profile 15 USC 1681b2. 

You have NO permissible purpose by law to contact third parties with my private or personal information. 

I have shown you and you have been put on notice that you are reporting inaccurate information. 
The information is, in fact, inaccurate. 


Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly used my personal information without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

You, JEFFERSON CAPITAL, A DEBT BUYER delete this reage alleged debt immediately from my consumer report or I will escalate this matter to taking legal action.
Product: Debt collection

Someone used my identity to obtain lights and gas in my name. AARGON AGENCY INC is trying to collect the debt thats not owed. Took one of the accounts off my credit. Later I contacted them about the other account. I Was told it wasnt taking off due to the miss spelling of my name. So it shouldve never been on my report in the first place. I was told by a Aargon Agency employee that it would be put in a dispute and it would be taken off. But what she did was update my account with the correct spelling. And instead of taking it off like she said she would. She restarted the debt as if it had just accord. The original debt hold is XXXX XXXX. But I never stayed at the address that is mentioned. So they told me I have to get a identity theft report. For them to remove something that was in accurately put on my credit. I need something done because thats against Law if Im not mistaken. It start off as I deferred the payment do to Covid so they bought the debt and start the debt over as the original debtor until I called them. It was in accurate and they changed it to try and collect on a debt not owed to either party in question. Fair credit act has totally been abused in this manner.
Product: Mortgage

on XX/XX/22 I went to the XXXX Ohio branch of Huntington to pay off our loan in the amount of XXXX, they said I could not do that at the branch but I could do it online, so I went home to do it online and it would not let me pay the entire amount it did however allow me to pay XXXX, then I tried to pay the rest XXXX and I thought I was successful, the XXXX did not post until XX/XX/22 the XXXX did not post until XX/XX/22. so I went into our account to check it and it still showed a balance of XXXX, I called Huntington bank and asked to talk to someone in the mortgage dept. I did that she said I would have to wait XXXX days for a payoff quote to come in the mail, she also said we would be paying interest that whole time, because I did not do the payoff correctly? My husband was upset when I got off the phone, he had me call back and ask for a manager/supervisor, so I did, I told the supervisor our dilemma, and he said the same thing the first person said, I have never had to jump through hoops to pay off a no prepayment penalty loan before, It is just not right and we are going to move all 7 of our accounts to another bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an auto Lon with Citizens one finance were my vehicle was deemed a total loss. My insurance company and GAP insurance paid the amount owed checks cut on XX/XX/16 & XX/XX/16. Somehow it appeared on my credit as a Repossession. I recently opened a dispute to remove the balance and now my credit decrease -55 points! Im not sure where the error came from but Ive been penalized for over 3 years now with everyday finances due to more then likely a customer rep. With removing or decreasing the balance my credit score should have risen. This needs to be handled AS SOON AS POSSIBLE! I will be contacting a lawyer to see whats the best way to move forward with dealing with this company and the credit bureau. Theres an error somewhere on either one of not both parties and it needs to be resolved NOW!
Product: Student loan

Subject : Immediate Action Needed : Approve Outstanding Borrower Defense Applications To the Departments Overseeing School & Loan Server Compliance, We are writing as a collective group of defrauded students and alumni who attended XXXX schools, urging immediate action to approve outstanding Borrower Defense applications and provide full relief for those impacted.

Many of us attended the following institutions owned by or affiliated with XXXX, where misrepresentations and predatory practices have been well-documented : * XXXXXXXX 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 XXXXXXXX XXXX XXXX The Department of Education has already found significant evidence of misconduct by these schools. Specifically, XXXX XXXX  misrepresented job placement rates to prospective students between XXXX and XXXX, falsely claiming that 90 % of graduates secured jobs in their field of study within XXXX months of graduation. This claim, widely advertised in national campaigns and direct mailings, was later revealed to be grossly inaccurate. XXXX included old jobs held by mid-career students before enrolling and excluded graduates who found employment outside their field of study. 

At its peak, XXXX enrolled nearly XXXX students across campuses in XXXX states and through an online program accessible nationwide. The scale of this deception has left countless students burdened with unmanageable debt and limited opportunities, as documented in the Department of Educations Borrower Defense Executive Summary and Statements of Facts.

We are asking you to take immediate steps to : 1. Approve all outstanding Borrower Defense applications for students who attended these institutions.

2. Discharge all loans associated with fraudulent practices, including consolidated loans. 
XXXX. Repair borrowers credit reports to reflect the removal of these fraudulent debts. 

Delaying action only prolongs the harm caused by these predatory institutions, leaving borrowers unable to move forward with their lives. Many of us pursued higher education to achieve the XXXX XXXX, but this dream was stolen by the very institutions we trusted to help us achieve it. 

We implore you to act decisively to ensure justice for all borrowers who were misled and exploited. The stakes are simply too high to risk further delays. 

Thank you for your attention to this urgent matter. 

Sincerely, Students & Graduates of XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX BANK HAS XXXX CLOSED, NEGATIVE ACCOUNTS REPORTING ON MY CREDIT REPORT OPENED IN XXXX AND XXXX BOTH ACCOUNTS WERE OPENED FRADULENTLY AND I HAVE CONTACTED THEM FOR XXXXYRS STRAUGHT TO INVESTIGATE AND REMOVE THE FRAUDULENT AND NEGATIVE ACCOUNT.