23daVinci/CFPB_Complaints huggingface dataset:
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 : XXXX XXXX XXXX Account Number : XXXX Reason : Late Payments XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Reason : Late Payments, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Reason : Late Payments, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Reason : Inaccurate Information Account Name : XXXX XXXX Account XXXX : XXXX Reason : Inaccurate Information Account Name : XXXX XXXX XXXX Account Number:XXXX Reason : Inaccurate Information Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Inaccurate Information 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 adverse item of information, other than records of convictions or 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 or to any consumer agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 604 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 or other personal consumer reports

I had an old Wells Fargo Account back in XXXX  which was closed and eventually charged off but they continue to report invalid data and that account should be removed from my credit report since its been over XXXX XXXX XXXX!
Product: Debt collection

I was summond to court for a debt that was paid off years ago the company had gone bankrupt. The collection agency has filed a lawsuit against me to garnish my wages. I think it is unfair to be charged again for something that was paid off.
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 XXXX XXXX XXXX. 

Account Name : XXXX XXXXXXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX 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: Checking or savings account

I got paid this passed Friday XX/XX/17 and I 've been trying to use my app XXXX to cash out from my next check but they 're stating that my bank info is n't being sent to them. Im aware that my account is current but for some reason they ca n't access it.
Product: Mortgage

Suffered water damage in home in XX/XX/XXXX. Insurance company has paid on claim in full. PHH has had the money since XX/XX/XXXX. PHH sent an inspector who conducted final inspection and approved it on XX/XX/XXXX. They were to disburse all funds to me within seven business days of final inspection. Have been in constant contact with them and they keep saying they have to wait for the proceeds and that they are waiting for the " financials to update and clear, '' even though they've had the funds for over three weeks. Have even talked to a " specialist '' there who is no help. They can not give me a date when they will send my money. I need it to pay off my contractor who is threatening to add interest and file a lien. I am XXXX XXXX XXXX and living XXXX XXXX XXXX XXXX. I need MY money.
Product: Credit reporting or other personal consumer reports

My Student loans are paid in full. However, my student loans are as listed at transferred and possible negative on my one or more of my credit reports. Please remove the incorrect information regarding my student loans from my credit reports or correct the information as paid in full. Thank you.
Product: Debt collection

I have no knowledge of this debt. I was never associated with this debt on my report.
Product: Checking or savings account

They closed my account in XXXX XXXX  and ever since I been requesting my money and they give me the runaround or ignore my request.
Product: Mortgage

I received a letter from 5/3 Mortgage/Bank stating that my escrow payment had a shortage of about {$390.00}. I thought this sounded a bit high, so I did some investigating. 
My taxes went up {$160.00} and my insurance went up {$85.00} giving us a total of {$250.00}. 
After about two hours on the phone getting transferred from on person to another ( none of which could answer my simple question as to why my escrow went up by more that my taxes and insurance ), I asked to see the math used to calculate this amount. 
Since has been a federal law for well over 200 years, I did not think that his would be a problem. 
For no apparent reason, they needed me to submit a request to them in writing??? 
I sent them my request by mail as instructed. 
I received a letter fron 5/3 bankdated XXXX XXXX, 2019 stating that an issue number had been assigned ( # XXXX ) and that I would get my requested information in 15-25 days. The letter was from XXXX XXXX, Office of the President. 
Nothing was ever sent to me by that time frame. I left messages on XXXX 's direct line on XXXX-19, XXXX-19 and XXXX-19 and the calls were never returned nor any letter ever sent. 
I filed a complaint with the XXXX  XXXX  XXXX  on XXXX XXXX, 2019 regarding this issue, and they have 5/3 Bank under investigation at this time. 
On XXXX-19 I spoke with XXXX at Consumer Finance.Gov and filled out a complaint form and mailed it in. Apparently it was lost somehow, which is why I am sending this letter again today. 
I received another letter dated XXXX XXXX, 2019 on on XXXX-19 ( doesn't that seem strange?? ) Obviously the letter was dated falsely to cover themselves. 
This letter was from XXXX XXXX, Office of the President again stating that I would get a response within 15-25 days. I called and left a message on here direct line requesting a response postmarked that day since it had already been 60 days at that time. 
Still no response. 
It is quite apparent that 5/3 thinks they can circumvent Federal Law, which makes this a Felony offense. Also back dating a letter which was mailed 8-10 days later than claimed ( another Felony? ), not sure on that one. 
Please investigate this as soon as possible. 
My loan account number ends in XXXX Best Regards. 
XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX XXXX # ( XXXX ) XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I WHY Was THIS DELETE AND ADDED BACK TO THE REPORT?????? 
If you dont tell me Im coming after your XXXX in a lawsuit mark my WORD already been turn down by XXXX or XXXX jobs and this will be added to the lawsuit as you cause harm as acted very willful!!! 
Last and finally
Product: Checking or savings account

I was scammed outta {$400.00} but my bank refused to refund the scammed money from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

on my credit report with Experian, XXXX, and XXXX, my XXXX payment is recorded as being late, my payments are due on the XXXX of each month, my XX/XX/XXXX payment was received by XXXX XXXX, on XXXX XXXX, clearly not 30 days late, i sent letters to the three cedit bureaus, by certified mail threw the postal service.i sent each one a copy of the XXXX XXXX payment, and the receipt from the XXXX exchange where i purchased it, i have copies of everything, and they still refuse to remove the late payment for XXXX, from my credit reports, my payment was {$380.00}, a month, on the XXXX of each month
Product: Student loan

Any issue with Navient regarding student loans is of great concern, because when I notice a Navient action that is incorrect and fraudulent, there is a high degree of certainty that the systemic and persistent errors are also being applied to XXXX student loan borrowers with XXXX dollars in student loans. 
My Dept of Education loans are in deferment, and I simply wish to make small payments during the deferment period in order to pay down the accrued interest so that a large amount of interest is not capitalized ( adding to the principal balance on the loan ) at the end of the deferment period. 
I am being prevented from making payments towards accrued interest. 
In every document that I can find, payments on student loans are supposed to be allocated first to fees, then towards interest, and then only then towards principal balance. 
I received the following response from a Navient Customer Service agent : " Our records indicate the loans are in an unemployment deferment until XXXX XXXX, 2017. The federal government pays the interest that accrues on any Subsidized Stafford Loan during deferment periods. Loan XXXX is subsidized, therefore, there is currently no outstanding accrued interest on this loan so payments are being applied to the outstanding principal balance. Loan XXXX is unsubsidized and there is currently {$90.00} in outstanding accrued interest, therefore, payments are being applied to the outstanding accrued interest. '' The statement above is inconsistent with the payment allocation rule. 
My payments during the deferment period should be applied towards accrued interest first.
Product: Checking or savings account

I was the victim of fraud. Someone called me up, impersonating a police officer, and convinced me that I had warrants out for missing jury duty. Yes, I fell for it. Yes, I feel XXXX. In retrospect there were so many red flags in may as well have been the XXXX 

Multiple transfers from my Chase checking account via XXXX and XXXX were made : XX/XX/year>25 : {$2700.00} via XXXX XX/XX/year>25 : {$2000.00} via XXXX XX/XX/year>25 : {$500.00} via XXXX I filed claims with Chase for the XXXX transactions -- I'm not sure if I filed a claim for the XXXX transaction. If I recall, the person whom I spoke to when I filed the claims told me that it wasn't worth it. 

In any case, I received a response from Chase about the claims involving them and XXXX, denying the claims. 

After creating an account and creating a case with you ( CFPB ), I will call Chase and see if there's anything I can do to appeal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reached out to Equifax on XX/XX/2023 asking them to investigate the accuracy of my credit report. I sent a formal letter via XXXX mail on XX/XX/2023 detailing the inaccuracy I wanted them to investigate. It has been over 30 days have I have not heard back from them or the creditor. Based on FCRA law and guidelines they are out of compliance for failure to respond to my request.
Product: Vehicle loan or lease

On XX/XX/2019 the vehicle, a XXXX XXXX, was repossessed by a towing company, XXXX XXXX, out of a hotel parking lot in XXXX Texas. The loan was in charge off status and the company who ordered the repossesion was Ally Financial located at XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX. On XX/XX/2019 I was emailed a demand for payment of the loan in full for the amount of {$21000.00}. That Monday XX/XX/2019 a wire tranfer was made to Ally Financial in that same amout from a XXXX XXXX bank to pay off the loan in full XXXX XXXX Reference # XXXX. I was on the phone to the Ally call center that same day and the next to verify that they received the full payment amount and asked for a receipt of payment as documentation through email which they were unable to supply even though, verbally, they represented the loan had been paid. I also asked for a release from or for the towing company, XXXX XXXX  so I could retreive my car. I was told the release would be at the Towing company and then in the next convesation told that they had canceled the release. I also tired to make arrangements with the Towing company XXXX XXXX in XXXX texas to retrieve any personal items from the car and was told they were closed and to call back the next day. This happened several times and i was never able to access my personal items. Now without any docementation that shows that this account has been paid in full and a release for the vehicle, my car is being transferred to an auction house at XXXX XXXX XXXX  in XXXX XXXX Texas. There has been many mistakes in this process and there could be another agregious mistake if this car is accidentally sold after being paid in full. I am not sure if Ally and XXXX XXXX are deceitful or just incompetant or both however i am alarmed at this process and hope you can help me to resolve this matter.
Product: Credit card or prepaid card

In follow-up to COMPLAINT ID No. XXXX, Bank of America Issued a ghost representative which does responds to any calls or emails with a response deadline of XX/XX/2020. I believe Bank of America is not taking this case seriously and just issued an automated email response to " act '' like their doing something in regards to this matter.
Product: Credit card

Dear Paypal, I am writing to formally request a refund for a charge made to my credit account for a service on XXXX that I neither subscribed to nor used. The charge in question was unauthorized. On the same day and within the same hour I noticed the transaction, I contacted your customer service department to report the fraudulent charge. I expressed my concern and requested an immediate resolution. Following my report, I contacted XXXX directly to cancel any services that may have been erroneously linked to my account. I have provided your team with documentation confirming that I requested the cancellation and did not authorize the charge. During my investigation, I discovered multiple reports and complaints from other customers indicating that XXXX has a history of charging users ' cards without proper authorization or consent. I shared this information with your team to highlight the fraudulent nature of the charge. Despite my efforts and the evidence provided, your institution processed the charge for XXXX, forcing me to temporarily pay to avoid incurring interest, which has caused me significant inconvenience and financial strain. I felt coerced, the payment made was only temporary to avoid further financial penalties, even though I do not agree with or acknowledge the legitimacy of the charge.

As a longstanding customer with a credible history, I expect my financial institution to protect my interests and address fraudulent activities promptly and effectively. Failing to do so is a disservice to your institution, as you may not be aware of the number of customers who stand behind me. I am asking you to reimburse the full amount of the unauthorized charge to my account and to implement measures to prevent such incidents in the future and ensure that your customers are protected from unauthorized transactions from companies like XXXX. I trust that you will treat this matter with the urgency and seriousness it deserves.
Product: Credit card or prepaid card

In XX/XX/XXXX, I contacted XXXX 's customer service to reserve a hotel room in XXXX XXXX for XX/XX/XXXX. The customer service representative asked if I would like to open a credit card and I explicitly said " NO ''. A few weeks later I received a credit card in the mail. Initially I thought it was just a rewards card until I checked my credit report on XX/XX/XXXX and saw that a XXXX 's XXXX was issued by Comenity Bank on XX/XX/XXXX. I did not apply for or agree to receive this credit card and am very concerned that it is now on my credit report. I have never used the card nor do I plan to. I have contacted the issuing bank and asked that the card be closed and that the card be removed from my credit history and report.
Product: Money transfer, virtual currency, or money service

I had been seeking to find a emotional dog for companionship, I looked into XXXX searching I came upon what I thought was a legitimate organization on XXXX called XXXX.I reached out the them and received a response on XX/XX/2021 I told them the puppy I saw on their page and asked if it was available I was told yes, so the guy told me how they transport their puppies and the fees he stated that shots were updated and everything is taken care of he said the fee is {$380.00}. I said ok thinking that was a good fee for the puppy a Frenchbulldog.The guy said they were located in California. So at around XXXX that same day I logined into my Chase Bank app and sent the {$380.00} through XXXX which I thought was a safe way to send the first funds. Only to find out I was scammed.Not to mention my bank which is linked to XXXX refused to help they stated they could not help me because I sent the funds on my own, And so I called XXXX and gave them the names of the person the owns the account with them I was told they could only report them but could not refund my money back.my bank just sent out a generated letter that they send to victims of these scams and its wording suggests I agreed with them, But I had not even had a chance to speak with anyone about it only put in the complaint then the generated letter came.Thank you for taking the time out of your busy schedule to help me. Warm Regards
Product: Credit reporting or other personal consumer reports

I am in objection to this type of reporting because : They have knowingly submitted my personal information to consumer reporting agencies, the result of their deceptive behaviors have successfully created this tradeline with late payments on my credit report. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports. Except as authorized under subsection ( b ), 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 XXXX years. No adverse item besides the conviction of crimes should be on your report any item that is a derogatory mark is not allowed into consumer reports this is another violation. I demand you delete this late payments from this tradeline across all consumer reporting agencies and no further action shall be taken on my end. Failure to comply then I will take the necessary steps in order to obtain justice due to your unfair and deceptive collection methods.
Product: Checking or savings account

I am writing this letter to file a formal complaint against Citibank for failing to honor a promised account opening bonus of {$300.00} despite having fulfilled all the required conditions as per the terms of their offer. 

On XX/XX/XXXX, I opened a Citibank Accelerating High-Yield Savings account after being presented with an offer in the customized 'Citi Offers For You ' section of my existing Citi account. The offer promised a {$300.00} bonus if I deposited {$30000.00} within 20 days of opening the account and maintained it for three months. 

Upon confirming the details and timeline of this promotion with a Citi representative via online chat, I deposited the amount of {$30000.00} on XX/XX/XXXX. I was assured by the representative that if I maintained this deposit until XX/XX/XXXX, the bonus would be posted to my account within 90 days of the completion date. 

Despite fulfilling these conditions and receiving assurances from several Citi representatives during online chats on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, the promised bonus was never credited to my account. To my disappointment, I received a letter from Citi on XX/XX/XXXX, stating that my account does not qualify for the promotion because it is a Basic Account package. 

This contradiction is both confusing and unjust. The offer was displayed in my customized 'Citi XXXX For You ' section, leading me to believe I was eligible for the promotion. Feeling cheated by this disconcerting turn of events, I closed my Citi checking and savings accounts on XX/XX/XXXX. 

I kindly request the Consumer Financial Protection Bureau to investigate this matter, as I believe I have been unfairly treated. I have fulfilled the conditions of the promotion and am entitled to the {$300.00} bonus, which I am yet to receive.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is currently reporting that I have two loans in collections with a XXXX balance. I contacted the company on X/XX/17 and was advised that since the loan is no longer handled by them I need to go to the website and print off a credit dispute form and mail it in. The form was sent to them and I received a response from them stating that the balance of the collection accounts are correct.
Product: Credit card or prepaid card

Back in XX/XX/XXXX I was approved for Home Project Credit Card to complete a major project in my home from a lending institution. In XX/XX/XXXX I paid off the balance on the card. 

I attempted to you this card his morning ( XX/XX/XXXX ) only to discover that due to inactivity the lending institution closed the account in XX/XX/XXXX unbeknown to me. 

The same institution had some racket going on, that prompted me to give them a call back in XX/XX/XXXX I was informed at that time, that their system only showed two ( 2 ) accounts for me. 
I am disappointed that I was misinformed at the detriment of my Credit Score being affected. I strongly feel that I should have been advised at that time that the card had been closed. As a matter of fact I should have been made of the pending clousure of the account. Which could have provided me an opportunity to curtail this dilemma. 

My main concern here is my CREDIT SCORE. I should not have to suffer this setback if a lending institution decided to close its doors to me. If it was the other way around I could understand. I was at a place where I didnt need to use it so, I DIDNT ; now I need it and its not AVAILABLE!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Title 15 violations title 46 Violations. 15 usc 1666b timing of payments violations 15 usc 1666d treatment of credit balance consumer refund demanded. Delete all Delete negative utilization XXXX XXXXXXXX balance.