23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In Complaint # XXXX, Bank of America indicated that a lien release letter was mailed to me on XXXX XXXX, 2016. The letter was NOT mailed to me - as of this date it has not been received. I am starting a new complaint on this because the CFPB system indicates that my formal complaint was closed, even though I responded that to the company 's response that the lien release letter has not been received by me. My calls to the gentleman assigned to me by Bank of America to resolve complaint # XXXX has not returned my recent calls.
Product: Checking or savings account

Over draft fees being double or tripled after the initial {$20.00} OPPs fee being charged.
Product: Checking or savings account

well i started a moneylion account in preperation for my eidl loan cause i read it was a good idea to start a separate account for keeping track of spending, So i had the funds deposited and right away i realized that this money lion account doesn't let me send payment, so i cant XXXX XXXX XXXX that have been desperately struggling with covid 19 and not having money for bill 's so i try to link my bank account, it says it doesn't accept my bank, Ok so then i try another of my banks, another error but different it says try again later, i keep trying and no luck, ok so i Create a Bank account threw XXXX which is at the top of their accepted banks i follow the steps give them all my login info reluctance to do so but i just wan na get some money to guys, so its looking promising and the error say this account isn't accepted now this is fishy I'm getting frustrated, i try to contact them through the app no luck, i cant get ahold of anyone, I'm getting worried i have almost 50k sitting in some bank account that i have zero control over, i go online start looking up how to get ahold of someone threw money lion and that's when i start seeing complaint after complaint about theses ' guys and I'm genuine feeling nervous and worried i just want my money out of these guys fingertips, i keep calling trying different combo 's of their runaround phone service and finally reach someone. she tells me that its odd why XXXX bank doesn't work we verify the numbers and she says strange she puts me threw to a supervisor after a hour of waiting on hold a women with a raspy voice get 's on sounding like she had just woken up still yawning, I'm angry at this point and should have every reason to be, i demand my money to be transferred at once, she says that they can not do that, i threating with complaint 's to CFPB and right away her tone seemed to have changed she, says ok we can do a wire transfer, i say why didn't you say that in the first place she didn't answer, so i get on a chat with XXXX bank to verify the numbers of routing and acct to wire the money into they tell me it should only take about 30 min and it will cost XXXX dollars, the Moneylion supervisor XXXX takes the acct information and tells me that the transfer should happen around XXXX i say ok thank you and we end the call after i give her my email to message me when the wire transfer is completed, then around none i receive a email from XXXX saying that the wire transfer can not be completed and that i will have to verify my information even though I've already verified everything i can verify, i go to log back into my account after i read the email and it lets me log in long enough to see that my checking account with nearly 45k dollars is completely gone and my investment account has XXXX dollars in it, and then i shuts me out, I'm panicked now, i don't know what to do, can this company steal my money XXXX dollars i don't know what to do, please help please my number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion dispute number XXXX. I am not allowed to view the details of my dispute. This dispute was initiated on the XX/XX/XXXX. Upon investigation on XX/XX/XXXX I saw that my dispute began XX/XX/XXXX that day has not yet passed. I have tried to access the information via internet and phone. I 'm given an error message that states my information can not be accessed at this time. When I call there is no information about anything available pertaining to my case number
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent INOUIRIES from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried XXXX times submitting the XXXX attached XXXX reports to XXXX, XXXX and Equifax via XXXX XXXX XXXXXXXX and none of the companies are taking any action. I need the following XXXX  reports processed ASAP.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! XXXX XXXX XXXX ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX 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 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 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
Product: Payday loan, title loan, or personal loan

Per my contract extra payments can be made towards the principle, you must contact them to let them know that is what you're doing. I did that and I sent 2 payments in XXXX totaling {$450.00}. I did not have a Jue payment, my next payment was not until XXXX. Instead of putting all my money towards the principle, my payment was applied to XXXX 's payment which I did not ask for them to do because that meant some went to the interest. I called and inquired about it I was told that any payments would go to upcoming payments first but I had no payment due in XXXX. according to my contract, it does not state that unless there is a payment due which one was not for over a month. Then I was told it didn't go straight to the principal because it was not made on the actual due date of the original payments. Not only does that not make any sense it does not state in my contract that it has to made on the due date in order for it to go only to the principle. I told the person that called me I want all my money to g to the principle ad put my account back that I have still a payment due in XXXX instead of XXXX. I was told I would have to set up an automatic payment but that would still leave my balance over the actual amount it should be. Net credit states one thing in your contract and when you call they state something different. I told them I have a legal contract and nowhere in it does it state that when I call I will be walked through the process ( there's nothing to be walked through ) nor does it state in the contract that it will be applied to the next month 's payments, nor does it state that the extra payments have to be made on the contractual date in order for it to go to the principle only. My current balance should only be {$1000.00} which is the amount after I made the 2 additional payments. My next payment date should be XX/XX/XXXX NOT XX/XX/XXXX and none of my money should have gone towards the interest. I followed the instructions of the contract and informed them that the payment was coming and where I wanted it to go. If you pay only on their terms you will be paying back 3x the amount you actually borrowed. 

Also, net credit advertises no credit check but I have a hard inquiry on my credit report from them that I want to be removed.
Product: Checking or savings account

capital one 360 will not give access to the private parties that want to look at my account history so I can be approved for a loan this is stopping me from financial aid I've reached out to capital one 360 all they say is sorry we can't ... but it's my account not there's to even control
Product: Debt collection

A XXXX XXXX has been phoning my home from an untraceable phone number ( perhaps registered somewhere XXXX XXXX and when I phoned him back he told me he was working for a " client '' that told him I owed over {$13000.00} to a credit card company and they were going to add {$5000.00} in penalty. I tried to get his address, he refused. I told him any debt resembling that amount was paid off years ago. I asked the name of his " client '' and he refused to tell me. He also had a recorded message from another untraceable phone number leave a message about the government starting an action. He hung up on me twice. He was very rude.
Product: Prepaid card

I have no access to my money on my rushcard. I have been unable to receive my money since the XXXX of XXXX. Rushcard systems have been down and I have no way of paying bills, buying grocerys, or getting around.
Product: Money transfer, virtual currency, or money service

Im filling a complaint against cash app block inc. due to the inadequate customer service and poor and unfair practices, which violate the consumer financial protection act specifically, cash out levitate time and effective measures to prevent an address fraud that has been going on within their platform, leaving mine and others accounts very affordable and unprotected. The resolution process was deceptive as they did not comply with error resolution requirements under the electronic fund transfer act, which has caused significant inconvenience and financial loss due to having banking information and other personal information I seek to have appropriate redress for all these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX I Checked my credit report and saw multiple fraudulent inquiries on my account and they are : XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX NA XX/XX/XXXX XXXX XXXX XXXX XXXX  TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion I have filed a police report, and a identity theft affidavit and got it notarized! REMOVE THESE FRAUDULENT INQUIRIES IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX : {$0.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am writing this letter in response to the phone call/letter received from you on ( Date ). In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you.

Please provide me with the following : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed or disputed 6. Show me that you are lice
nsed to collect in my state ; and 7. Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 


Thanking you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report on XXXX XXXX and under the Equifax report, I saw a XXXX XXXX XXXX  XXXX credit card open on my account that I do not have. I called the bank it was listed under and they verified my info and said there was no credit card open under my name and social security. So then I called Equifax and verified all my info and they said they could not provide assistance and I needed to send copies of my ID and Social Security card via mail to them to verify my identity. That immediately sounded fishy, I verified all my personal identifiers so not sure why they need this. I do not and will not EVER send a copy of my social security card in the mail. This is an improper use and abuse of customer private information. I want to this resolved since I do not have this credit card open and it is been reported under MY credit score but do not like the way Equifax is trying to handle it. The card is not showing open under my XXXX report only through Equifax so they need to amend this.
Product: Debt collection

An investigation needs to be done on XXXX  XXXX  XXXX XXXX. 

I would never use XXXX XXXX again. How many other patients had XXXX tests and were lied to by XXXX XXXX that your insurance would pay for it in full and then received a bill? This scum bag medical facility then sent me to a collection agency. YES, I do have the money to pay but you lied to me and told me there was no co-pay. You didn't collect a co-pay from me at arrival and told me the insurance was covering it 100 %. 
How many other people did this medical facility defraud?
Product: Credit reporting or other personal consumer reports

I won't tolerate your attempt to dismiss my identity theft claim as an error or a misrepresentation of material fact. WHO ON EARTH GRANTED YOU THE AUTHORITY TO DETERMINE WHAT CONSTITUTES A MATERIAL FACT? YOU'RE NOT A JUDGE, A JURY, OR IN ANY POSITION TO MAKE SUCH JUDGMENTS! YOU HAVE ABSOLUTELY NO RIGHT. I kindly request that you conduct a thorough investigation into these fraudulent accounts and promptly remove them from my credit report. These accounts do not belong to me, and their presence is negatively affecting my creditworthiness. Additionally, I would appreciate it if you could provide me with a copy of my updated credit report once the investigation is complete, reflecting the removal of the fraudulent accounts. XXXX XXXX XXXX and XXXX XXXX. Please delete these accounts immediately.
Product: Checking or savings account

Over draft fee in amount {$300.00}. for for posted checks that bank allow to be process.
Product: Credit reporting, credit repair services, or other personal consumer reports

These Accounts : ( XXXX. ) XXXX XXXX # XXXX. POSSIBLE FINANCIAL INC # XXXX. BE ADVISE, THIS IS NOT A REFUSAL TO PAY, BUT A NOTICE SENT PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT, 15 USC 1692g STATING YOUR CLAIM IS DISPUTED AND VALIDATION IS REQUESTED. This is NOT a request for " verification '' or proof of my MAILING ADDRESS, but A request for VALIDATION made pursuant to the above-name TITLE and Section. I respectfully request your offices to PROVIDE me with competent evidence that I have any LEGAL OBLIGATIONS to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, OR XXXX ) this ACTION may constitute fraud under both Federal and State Laws. Due to this fact, if any negative Mark is found on any or my credit reports by your company or the company you represent, I will not hesitate in bringing LEGAL ACTIONS against you and your client for the following : VIOLATION of the Fair Credit Reporting Act, VIOLATION of the Fair Credit COLLECTION PRACTICES ACT, and DEFAMATION OF CHARACTER ( per se ). If your offices are able ro PROVIDE the Proper documention as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time ALL COLLECTION ACTIVITIES SHALL CEASE AND DESIST. IF YOUR OFFICE FAILS TO RESPOND TO THIS VALIDATION REQUEST WITHIN 30 DAYS FROM THE DATE OF YOUR RECEIPT, ALL REFERENCES TO THESE ACCOUNTS MUST BE DELETED AND COMPLETELY REMOVED FROM MY CREDIT FILE.
Product: Student loan

My XXXX XXXX loan was transferred to a new servicer, Navient, some months ago. I have several loans and am making timely payments on all of them. My loan serviced by Navient has always been paid through automatic debit. I only periodically check the accounts since I rely on the automatic payments which have always been properly processed. When checking my Navient account today I realized that Navient has not taken out any payments since XXXX 2015. I immediately called Navient to find out what is going on. It appears that somehow my account was placed on academic deferment. Navient was unable to explain how or why. The Navient representative promissed to get back to me in the next week with further information. I am not back in school and I never applied for deferment. Consequently I expected my payments to be automatically debited as Navient as usual. This appears to be a scheme to charge students additional interest. I am really upset because I have been making timely payments and am expecting the principal owed to be going down. Instead, unbeknownst to lenders Navient places loans in deferment and charges interest only. This is extremely alarming and I am determined to seek further recourse to right this injustice. I hope you can assist me with advising what my options are to make this right.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX .I writing requesting help in this matter .I gave a XXXX  loan with XXXX that was purchased by XXXX XXXXBut it shows on my credit report as me owing both parties when that is not the case. Im wanting XXXX  removed from my credit report, because it make my report look bad seeming to owe more than what i do .Im making a formsl complaint to Experian XXXX XXXX XXXX and XXXX XXXX If not all three Experian is the first one.
Product: Money transfer, virtual currency, or money service

I have tried to send an international money transfer using online services of company MoneyGram. I've been using them for years for the same exact service. But this time it was very different. I sent the transfer on XX/XX/2018 ; the amount is {$480.00} directly deposited from my bank account. The company charged {$25.00} fee, so the final amount was {$500.00}. They withdrew the full amount from my bank account of Tuesday, XX/XX/2018. However, the transfer was not available for pick up till late night on Thursday, XX/XX/2018. When the receiver tried to get the transfer, it was declined for some unexplained " security '' issues. I have to note one more time that I do this operation once a month for years, so if there were security issues they should have been cleared by now.

When I talked to an agent of MoneyGram they said that they will credit the money back to my account but it might take up to ten business days. 
So MoneyGram is working my money out in their own interest and don't feel obligated to return it. I just hope this issue will be resolved and other people will not have to deal with this problem trying to return their own money back. There are many other money services to use without having to deal with money fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a victim of identity theft. XXXX, XXXX, Equifax and their non affiliated 3rd parties are violating the Fair Credit Reporting Act and the Gramm Leach Bliley Act. They are infringing on my privacy without any lawful consent from me and causing damage to my creditworthiness and reputation. SEE ATTACHMENTS