23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Transferred money from my Bank of America account to a contractor Bank of America account using XXXX on XX/XX/2020. Contractor did not complete services and broke the product I purchased. Filed a claim with Bank of America to return funds in early XXXX, but contractor has not responded to claim. Bank of America states that they can not force contractor to responding to claim. Since contractor is not responding to claim this should be taken as a sign of guilt and return funds.
Product: Vehicle loan or lease

On XX/XX/XXXX of XXXX I paid off my XXXX XXXX   XXXX that was financed through Ally Bank. About 2 weeks later we received the title for the vehicle and was advised that we paid more than was was owed. The payment was made to Ally from an escrow account as part of the closing of our home. The payment was made over the phone to Ally bank and my account showed a XXXX balance. We were then advised the the title company had cut a check for more than the amount due and in 7-10 business days we would receive a check for the difference. The title for the vehicle was signed and dated by Ally Bank on XX/XX/XXXX. We called Ally at the end of XXXX to inquire about the check that was owed to us and they told us again that it would be in the mail and we should receive it in 7-10 business day. This same call took place again in XXXX and we never received the check. On XX/XX/XXXX we received a letter from Ally stating that we are past due and have an outstanding balance for almost {$3000.00}. When we called Ally they informed us that the payment for the vehicle was processed incorrectly and that an ACH deposit could not be made from a business account. They didnt process the check ( 90 day check ) until XX/XX/XXXX, three months after releasing the title and showing our account paid in full. Now they want us to pay all the fines and fees for the last four months and they either hang up or never respond to any calls are questions we submit. Our title company is reissuing they original check but Ally wants us to pay for the last few months that this has been outstanding. We need help!!!
Product: Bank account or service

Online, opened new Santander Bank account with {$30.00} ( bank required {$25.00} minimum ). XXXX XXXX 2014. Later Santander statements issued to me showed {$30.00} balance. Still later, Santander variously reported to me by phone and mail the following : ( a ) account was opened with {$30.00} but signature cards were not received ; ( b ) account was opened with my promise to deposit {$30.00} but funds never received by Santander : ( c ) {$30.00} in funds were received by Santander but transferred by Santander to another Santander account ( s ) ; ( d ) Santander account numbers showing on Santander statements are invalid ; ( e ) funds received by Santander but transferred by Santander to a Santander debit card and later spent from that debit card ; ( f ) funds received by Santander but transferred by Santander to a Santander debit card and still reside as a credit on that debit card 's balance, but debit card number can not be identified ; ( g ) funds received by Santander but misplaced by Santander and can no longer be located. Santander also reported that my name showed up as a problem name in various reports issued by XXXX ; XXXX ; XXXX ; and XXXX. I was able to verify that all of these Santander claims regarding a " problem name '' were untrue ( could not be verified and/or denied by reporting parties ).
Product: Debt collection

I took out a payday loan years back and then defaulted because I lost my job. Never received calls or mail from them indicating that I owe an amount, now I am getting calls constantly from a company called Integrated Services and they are RUDE, NASTY, UNPROFESSIONAL and they call me 7 to 8 times a day. I have asked them as well as told them that one they have spoke with me, they are not to call me anymore and they still do. I have tried to block the numbers that are calling me but they have so many it is too hard. I also called the original debt collector and they indicated that they do not have any of their people or collection companies call out, it is all done
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an XXXX  XXXX REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan

I received a letter of Loan Forgiveness from EZCORP for a loan that was taken out in 2012. This loan was included in a Chapter XXXX Bankruptcy. I have received several calls from them and collectors trying to still collect on this loan. I have advised them on several occasions that this loan had been discharged on the ChXXXX Bankruptcy. They assured me that it was n't them that was trying to contact me on this loan. Now I receive a XXXX for this loan. The problem is that this information is supplied to the IRS as additional income. This would be correct if it was a loan that I defaulted on and did n't include in the Bankruptcy. Now the IRS is showing that I have an increase in my income by {$1900.00}. This is incorrect. What are my rights and options to get this taken care of? I have tried to contact EZCORP in regards to this, but I can not get through on their phone lines. I even asked them to contact my attorney but they never did.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX/XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX/XXXX with no successful resolution. There was definitely an error on their part.
Product: Checking or savings account

In  XXXX  I opened  XXXX  accounts with Wachovia Bank ; a checking and a savings account. I also used the free safety deposit box offered. Sometime between   XXXX   and  XXXX , the checking account was closed although the savings account stayed at over {$1000.00}. I did not use the bank during this time. The  XXXX   XXXX  Bank took over  XXXX  and my savings account persisted and I received notices every month but now I find that they confiscated my checking account. I recently had to reopen a checking account and the bank tells me my money is lost.   I want it back. It is not as if they did n't know where I was. They were dealing with me all of that time and they had my property until late  XXXX   XXXX .   Checking account Routing # now  XXXX  Checking account Routing # then  XXXX  MY  XXXX   XXXX   XXXX   XXXX  was  XXXX   XXXX   XXXX   XXXX   XXXX  MD  XXXX  Address is  XXXX   XXXX   XXXX   XXXX   XXXX  WA  XXXX  ( moved  XXXX / XXXX / XXXX  )
Product: Mortgage

My mortgage loan was transferred to Chase mortgage in XXXX of XXXX. At that time my PITI was {$590.00} per month. I was notified in XX/XX/XXXX that my new PITI was going to be {$730.00}. After several phone calls they stated my increase was due to a shortage in escrow, that would now include flood insurance. When we bought this home in XXXX of XXXX we not informed until after closing of escrow we needed flood insurance. At that time I purchased flood insurance out of escrow and have continued to pay out of escrow ever since. I have made several calls to Chase on XX/XX/XXXX spoke to a XXXX XXXX an account service manager also spoke to XXXX in their insurance department that this would be resolved. Also faxed copies of my policy on XX/XX/XXXX. Spoke again to XXXX on XX/XX/XXXX, that they are going to continue to escrow my flood insurance. I have never been late on my flood insurance payment, and I contacted FEMA and XXXX XXXX the do not require flood insurance to be paid in escrow. Seems to me I am being billed for something they are not paying in my escrow account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax and ask them to remove accounts out of dispute status at this time yet they have failed to do so. 
I, XXXX XXXX, CURRENTLY DO NOT DISPUTE THE FOLLOWING ACCOUNT XXXX XXXX XXXX SERVICES XXXXXXXX XXXX XXXXXXXX XXXX XXXX EITHER AS REPORTED ON MY CREDIT REPORT OR DIRECTLY WITH THE CREDITOR. I REQUEST THAT THE INDICATION OF A DISPUTE IS REMOVED FROM MY REPORT. IF YOU HAVE ANY QUESTIONS, PLEASE FEEL FREE TO REACH ME AT XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to dispute a collection item that appears on my credit report from XXXX XXXX XXXX XXXX. I have reviewed the details of this item and found several discrepancies that need to be corrected or removed in accordance with the Fair Credit Reporting Act ( FCRA ). 

The discrepancies are as follows : Account Number Discrepancy : The account number listed on TransUnion is XXXX, while on XXXX it is XXXX. This inconsistency may indicate a reporting error. 

Original Lender Name Discrepancy : The original lender 's name is listed as XXXX XXXX XXXX XXXX XXXX TransUnion and XXXX XXXX XXXX on XXXX. 

Collection Agency Name Discrepancy : The agency name is listed as XXXX XXXX on TransUnion and XXXX XXXX XXXX on XXXX. 

Absence of Information on XXXX : There is a considerable amount of information missing on XXXX, including account number, original lender, agency name, and balances. 

Current Balance Discrepancy : The current balance is only reported on XXXX as {$12000.00} and not on TransUnion or XXXX. 

Different Status Listings : The status listed on TransUnion is Unrated or bankruptcy while on XXXX it is Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's public collection department. 

I am requesting that you conduct a thorough investigation into these discrepancies and correct or remove the inaccurate information from my credit report. 

I look forward to your prompt attention to this matter. Please update me on the status of this dispute within 30 days as required by the FCRA. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX.
Product: Credit card or prepaid card

Chase bank is billing me for a credit card I do not have! 

I have XXXX recorded complaint phone calls with chase bank. They always demand the credit card number which I do not have because I do not have the card. Then they just say they can not do anything. 

Then I receive another threatening email claiming late fees, credit report violations and demanding money for a card I do not have!! 

Please help, Very kind regards, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2023 XXXX XXXX XXXX arbitrarily closed my checking, savings, and credit cards account. I had been a client of XXXX years. 

They did not provide me with an exact reason as to why, though this recent XXXX XXXX XXXX article is the citation I found myself in : XXXX XXXX XXXXXXXX As a result of their actions I had to open new checking, savings, and credit card accounts at new banks. 

Also, and more importantly, due to their actions, my credit score has declined from a solid. XXXX to around XXXX. 

It is now more expensive for me to acquire loans, credit cards, etc. 

I feel my credit score should be restored to its XXXX value.
Product: Debt collection

I received XXXX notifications for collections in the amounts of {$730.00} and {$1100.00} from Midland Credit Management on XX/XX/year> and XX/XX/year>. I called and spoke to XXXX representatives requesting validation to the alleged debts. I requested copies of the original contracts with my signatures. I also requested the payment history, the address of the original creditor and proof of the debt assignment. They did not confirm if they had a license to be able to collect on this debt in Ohio, so I also requested the chain of custody for the alleged debt. Lastly, I requested the purchase agreement. I was informed they did not have this information so I informed them I would be filing a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

TD Bank is purposefully reporting inaccurate information on our credit reports since are officially disputing both the amount that they state that we owe on New York Civil Court Index No XXXX, in complete, willful, and total violation of the federal Fair Credit Reporting Act ( " FCRA '' ). 

TD Bank 's willful FCRA violation has been committed knowingly and recklessly. 

In this case we may receive actual or statutory damages ranging from {$100.00} to {$1000.00} per violation, in addition to punitive damages determined by the courts. 

Please urgently investigate and advise.
Product: Checking or savings account

I received a debit card from cash app, and another from bank saying I had opened an account and card was being mailed to start funding and using the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Bk Chap XXXX thats was discharged on XXXX XXXX that a few accounts have reappeared on my credit as NEGATIVE and reporting as Late over 120 days, and over 150 days and Collections. Ive contacted the companys and I was told there look into it can take 30 to 35 days and XXXX  and XXXX can take up to 90 days to update my credit reports. These companys are putting it was in BK then on time there saying LATE,. COLLECTION etc, and there showing all the months I was late 1. Capital One Bank there reporting in Status as ( Late over 120 days ). As of XXXX. 2. Kevin Jewelers there reporting in XXXX status as ( Collections ) as of XXXX. 3.  XXXX XXXX got cleared up BUT XXXX  still reporting ithis account as NEGATIVE when it was discharged in BK 2 years ago 4. XXXX   XXXX XXXX is on my XXXX  report as a Negative account on my credit report when they were discharged in BK Ch XXXX two years ago 5. XXXX XXXX  is being reported as Over 150 days late with a late balance of {$1200.00} When it was changed to Current With nothing Past Due 6. XXXX XXXX XXXX  is being reported as NEGATIVE when they were Included in BK and discharged Two years ago
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX # XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes. 

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX ACCOUT # XXXX, XXXXXXXX XXXX  ACCOUNT # XXXX, XXXX XXXX ACCOUNT # XXXX, XXXXXXXX XXXX ACCOUNT # XXXX, XXXX XXXX, TXXXX ACCOUNT # XXXX, XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX, XXXX ACCOUNT # XXXXXXXX XXXXXXXX  ACCOUNT # XXXX has violated my rights 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: Credit reporting or other personal consumer reports

I recently had my credit pulled and saw that i had a late payment on my credit report with a company. I should have not had a late payment as i have been on automatic payment with the company. I have tried to dispute with the credit bureaus but it has not been removed and i haven't recieved anything back from the bureaus or the company regarding it.
Product: Debt collection

I don't know exact dates but at some point in XX/XX/year>, I got a vehicle from a local dealership through Credit Acceptance, to which I ended up eventually moving and not being able to take the vehicle with me, so I asked the co-buyer to return it to the dealership. Despite being returned, the vehicle was still listed as abandoned and sent to auction, leaving me with a debt of $ XXXX and a garnishment. I was unaware that it was listed as abandoned until after the fact.
Product: Mortgage

On XX/XX/2021 we ( Suburban XXXX XXXX XXXX XXXX ) sent a wire to PHH Mortgage Services Payoff Department in the amount of {$320000.00} which showed on the bottom line of a mortgage payoff letter, however that bottom line was not the payoff amount but the Original Principal Balance. The Payoff amount was {$280000.00} a {$40000.00} difference, when I called PHH I was told to send all documents to their research department at fax # XXXX, which I did. When I hadn't heard anything I called and was told they can not help me because the monies will be given to the mortgagee and not returned to us even though we sent the wire. Unfortunately the borrower has been in the XXXX  having XXXX XXXX and I am not able to get in touch with her.
Product: Vehicle loan or lease

I purchased a used XXXX  XXXX XXXX XXXX year ago this month after a XXXX puchased that was only operational for XXXX year died and was too costly to fix. This XXXX situation is still pending arbitration with NJ Consumer Affairs. As a result of the XXXX having a XXXX loan debt to roll over into the XXXX, I was asked to place XXXX on the loan for reasonable payments. After putting XXXX or so into the XXXX I did not have any money to give. My XXXX  who was with me to purchase the XXXX from XXXX was willing to lend me the XXXX and was figuring out how to get it to me that moment. The other option I was told by the saleman XXXX was to not put any $ $ down and have XXXX car payments. I asked this XXXX if it's able to be refinanced and he said yes. As I attempted to refinance this crazy 28 % interest rate on 72 months. I was told that I can't refinace it because it's over XXXX XXXX XXXX. I paid XXXX on the car and my balance only went down a tiny bit compared to what I paid. This is not sustainable. I have been trying to get a personal loan and that isn't working because now I am struggling financially so my credit takes hits. I am XXXX and so is my brother who accompanied me. XXXX XXXX XXXX doesn't work with you. They blamed XXXX and XXXX won't do anything. Please note there are hundreds of complaints about this sort of high interest rate scam on XXXX  regarding ACA. They are hurting a lot of people.
Product: Credit card

Barkley bank priceline. Be careful when authorization of payments on the computer. This bank only uses one window when you make a payment. Most have a confirmation window! If you answer their E mail about payment & happen to put a dollar amount in the payment box they will take as a confirmation! Then they do not change the next payment amount either. I even called one of their reps who had poor English to complain & got no results. All about money & not trying to work with the customer.
Product: Credit card or prepaid card

I purchased a pair of sneakers in XXXX XXXX XX/XX/2021 using card ending XXXX and used my cashapp card and pin the item was not in stock so it was going to be shipped to me. The iten never arrived and the shipping store did not opt for shipping insurance. XXXX requires insurance on high ticket items. The local store did not fill the order and my card issuer cash app refuses to refund me my money or replace item or file dispute I have been asking them for 5 months for resolve they keep giving me different responses 0 help.
Product: Credit reporting or other personal consumer reports

I have made several attempts at getting this debt verified despite all of the different past due amounts I have received, incorrect addresses, and so on. I have received XXXX proof that this debt is validated after requesting for it. Please remove this account from my report. 
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Checking or savings account

I was suppose to receive direct deposit from city oXXXX XXXX XXXX XXXXXXXX, as i have been getting biweekly on Friday for past 4 years. Capital one bank offers early deposit so it always was available Wednesday XXXX XXXX. I was suppose to get paid early deposit on XX/XX/scrub>XXXX XXXX 
Time goes by i wait until XXXXt nothing. I call on the XXXX in morning. They said issue is technical issue and will be fixed by end of the day. End of the day comes. No money still. Now today XXXX of XXXX, still nothing deposited. No updates. No communication. 
They are with holding 2 of my paychecks i have set up direct deposit. 
This is ridiculous. I have no answers and my bills are pending.