23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I had a flooding in my home and Arizona Department of XXXX  helped me pay 4 of my mortgage payments, from XXXX, those checks were received from us bank on the 1st week of XX/XX/2023. I called multiple times to ask why they hasnt posted checks and they said there system was delaying those checks. Not just my checks but most of theres customers checks. I asked us bank if they are taken so long to post will this impact my credit. Us bank stated even if they checks post after the end of month. In XX/XX/2023, us bank will correct my credit score / credit reporting. They lied to me. My credit has been impacted for month of XXXX. They post the checks to late and never credit my credit reports. I had called many many times to make sure my credit would be okay. Us bank said every time that they would correct everything. To this day I have called them and they deny to correct anything. This is unfair. It has really really impacted my credit went from XXXX plus credit score, I worked hard for that and it thanks to us bank now its about XXXX some points. This is frustrating I am crying how upset I am. Not counting all the late fees as well!
Product: Prepaid card

- Our son purchased a {$50.00} gift card for us as a Christmas Gift. ( XX/XX/XXXX ) - The first time we activated it was on XX/XX/XXXX. 

- Immediately upon activation, 7 very similar charges popped up, all for just a few dollars, and all within a few cents of each other. ( {$3.00}, {$3.00}, {$3.00}, {$3.00}, {$3.00}, {$3.00}, {$3.00} ) We immediately called customer service to report this, but we were told that they could not officially put in a dispute until 1 month later ( end of cycle?? ). 

- On XX/XX/XXXX, we again called, and an " official '' dispute was entered. 

Also at this time, our account STILL read these charges as PENDING, which seems to indicate that they had not yet been processed ( much like a credit card ). 

- Our card was frozen pending the investigation. 

- We repeatedly called, and got no results until XX/XX/XXXX, of which was a generic letter stating that based on the evidence provided, they could not approve the dispute. The letter had NO phone number to make inquiries. It only stated to email their disputes department for any questions. 

- We called the general customer service number and was told to wait for the new card to be mailed to us, and that it would be for the full {$50.00} amount. 

- The card arrived with only a {$23.00} balance. 

- We emailed the disputes department on XX/XX/XXXX & XX/XX/XXXX, but have received NO response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not applied for no capital one anything, these are fraudulent inquries
Product: Student loan

I have been paying on my loan for nearly 10 years and the balance has barely moved. My loan is throught Navient and I have become aware of them being sued for mishandling loans and giving misinformation. I have been given information by this company that has not helped me pay off my loan at all. I am filing this complaint so that Navient and CFPB is aware that I would like to seek help in this matter. I have gotten nowhere with my loan and that is a huge problem.
Product: Vehicle loan or lease

The vehicle had been disabled and was parked at XXXX XXXX with security permision and fiance ' is employed at same hospital. XXXX XXXX Police contacted the lender and not the title holder, which breakes the chain of custody. On the very next day i contacted XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX. I claimed the car as the title holder and made arrangements to pick up the vehicle but it was XXXX XXXX weekend. XXXX XXXX Called the XXXX again, the lien holder DBS Finanial at XXXX XXXX # XXXX XXXX, Ohio XXXX XXXX. I was current on my payments so i was charged for the tow = {$600.00}. I modified the loan to take the next 2 payments on the end of the loan which would have the next payment due XX/XX/2023. 
The account reflects a different address. There is to be a notice of auction sent with 10 days for the debtor to respond, the car was auctioned before. 
Now the lender has a court order claiming i surrendered the vehicle.
Product: Debt collection

They call multiple times a day telling me to just pay my amount in full so they will stop calling.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 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: Payday loan, title loan, or personal loan

I have reached out to Lending Club via certified letter to rectify errors and discrepancies being reported on my personal credit report that Lending Club is reporting. On XX/XX/XXXX, a letter certified letter was sent to Lending Club formally to make the company aware of my formal notice my certified letter was received/signed for on XX/XX/XXXX. In my letter I requested information to be provided for validations made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. A response was received from Lending Club, however as when I pulled my personal credit, on the 31st day from when Lending Club received my certified letter. The company failed to and DID NOT furnish the credit bureaus with the required disclosure, with the period as required by law. Lending Club is required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which they signed for on XX/XX/XXXX. This clearly shows that they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and also the Fair Debt Collections Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. I therefore then notified Lending Club of this federal law violation in XX/XX/XXXX. Clearly the information being portrayed on my report is inaccurate. I then sent a follow-up letter on XX/XX/XXXX as  a goodwill gesture to allow Lending Club to remove this item as they have violated federal law by not properly providing the credit bureaus with proper notice within the required timeframe, and I have the evidence of such, via certified mail receipts, Lending Club MUST NOW remove the items. I remind you again that this is clearly a violation of FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.

( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).

I have sent letters which are included as attachments. The actions that Lending Club must do now is remove these negative items on my credit report from all the credit reporting agencies including but not limited to ( XXXX, XXXX, XXXX, and XXXX ). This is the action that the company must do since Lending Club has violated federal law. I remind you that I have yet to receive a response from the company to validate the information they are reporting as they are required to by Federal Law.
Product: Credit reporting or other personal consumer reports

UN AUTHORIZE INQUIRIES ON MY REPORT -XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

Cash App, took {$680.00} from my cash app account. I called to inform them of this transaction and that this was not something I did or authorized. I was told to contact my Bank and that there wasn't anything they could do because it was an online account and no tracking of the unauthorized transaction could be tracked because there was no physical office or XXXX  that could assist me in this matter. I never spoke with anyone in the phone. Everything was through email, that was locked if I wanted to go back into the conversation.
Product: Checking or savings account

Bank of America charges overdraft fees to XXXX XXXX account balance is low. I got charged {$70.00} worth of fees on XX/XX/2021 when a check payment went out and as a result the account balance turned negative. As a result of a XXXX emergency the same day I was unavailable to transfer the money from another BOA account to my checkings account. My XXXX  and I have other accounts with the bank as well and they always have funds but BOA does not provide automated transfers to the account with low or negative balance without charging another fee. So you end up paying fees no matter what. I want BOA to refund me {$70.00} for the over draft and XXXX assisted fee as soon as possible. 



XX/XX/2021 Show additional information for activity type bank charge XXXX XXXX XXXX XXXX XXXX XXXXF XXXX CHECK # XXXX POSTING DATE ... activity type bank charge status type iXXXX XXXX XXXX. Select to mark activity type bank charge XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX CHECK # XXXX POSTING DATE ... as Reconciled XXXX XXXX XX/XX/2021 Show additional information for activity type debit XXXX XXXX XXXX XXXX XXXX XXXX XXXX Confirmation # XXXX activity type debit status type icon cleared Cleared. Select to mark activity type debit XXXX XXXX Assisted XXXX XXXX XXXXXXXX XXXX XXXX Confirmation # XXXX as Reconciled XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached you will find attachments detailing the inaccuracies in reporting on the my consumer report and the validity of the investigation i.e letter from the XXXX court stating that they do not report bankruptcy proceeding to the credit reporting agencies. With that being known the previous complaint was closed stating the bankruptcy was verified. Who was the company that verified the bankruptcy? I submitted a dispute on a XXXX that is appearing on my credit profile to all XXXX credit reporting agencies. After doing an thorough investigation XXXX saw enough evidence to remove the item from my consumer report. This same item was verified as accurate by Transunion and XXXX which begs the question was this item properly investigated by these reporting agencies. Pursuant to 15 USC 1681c ( a ) XXXX  information is excluded from the consumer 's report. ( XXXX, TransUnion, XXXX, XXXX and XXXX ) is in violation of said section for furnishing this information on my consumer report, that was obtained illegally from XXXX XXXX under false pretenses in which they've obtained it from an online electronic system known as Pacer. 
I sent in a dispute to XXXX XXXX as well knowing that this is the secondary reporting agency that verifies these accounts to the credit reporting agencies. XXXX stated in an attached letter that they don't have record of this XXXX and didn't verify this account to the credit reporting agencies. 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. This information is not the same on all 3 CRA 's and In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The mere fact that this account was removed from XXXX and is still reporting on XXXX XXXX Experian is the reasonable cause to believe this account is inaccurate and should be removed from my credit profile.
Product: Bank account or service

I deposited a check into Wells Fargo Bank and was told that funds would be available the very next day. However, Wells Fargo is holding my funds until the XXXX/XXXX/16. When I spoke with their agent I was told that they would not have funds available to me because the other account in which the check was issued from had not cleared for the account to be available for use. The check was in the amount of {$4000.00} and {$0.00} is available. After learning I went over to my HR personnel only to discover that the funds had already been released and cleared on their end. Subsequently, I called Wells Fargo and was told that any available funds would only be available at the disgression. I feel as though WF is in violation of XXXX and is holding my funds based on the racial/ethnic content of my name.
Product: Student loan

I have a student loan through Wells Fargo and I am unable to set up an automatic payment each month for more than the minimum payment. Is there anything I can do about that? I have student loans with other companies who all allow additional payments to be automatically scheduled. It makes it easier to be regularly financially responsible by paying more than is due to decrease the total interest I will pay.
Product: Vehicle loan or lease

car purchased in XXXX loan with Truist bank I've been on autopayment since XXXX and was supposed to pay off my loan this month. 
Truist policy : on the last month of a auto loan, the automatic payment is cancelled and i have to manually pay. 
I didn't know this. I was charged a XXXX late fee on XX/XX/XXXX and another XXXX late fee on XX/XX/XXXX. 
I believe this is an unfair and deceptive practice that has led to extra charges, delinquencies and frustration. 
The result is I am being punished and Truist is making more revenue. 
I've been a good customer for then entire loan and have never missed a payment.
Product: Debt collection

Back in XX/XX/2019 XXXX XXXX stole my info from XXXX  XXXX  along with other homeowners information and used it as fraud in my credit cards and bank accounts. I have 3 police reports regarding the incident. I have disputed all things however capital one refuses to accept the fact that my accounts and credit cards fell under fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Investigation took more than 30 days and nothing was changed when clearly there are misleading information and inaccuracies on my kikoff credit report ... attached are my credit report from XXXX XXXX  account.. showing those inaccuracies!! STOP VIOLATING MY RIGHTS AND DELETE IT IMMEDIATELY!!
Product: Credit card or prepaid card

Around XX/XX/2020, I called Banana Republic Card Services for payment relief due to extraordinary circumstances due to COVID. 

They agreed to give me 3 months of {$0.00} payment due and kindly refunded me any interest charged on the account. 

I was told that I don't have to pay any interest due to COVID pandemic relief. 

Today XX/XX/20 I received a notification from my credit bureau that my banana republic visa card is over-limit and that my account is overdrawn and negative $ XXXX and my FICO score has dropped by 10 points due to this. 

How? 
I never logged in into my account because I receive email notifications, and they always said {$0.00} payment due. 

Apparently, even though they told me that I don't have to make a payment, they were still counting interest and compounding it. 

Now my account is overdue and I have derogatory remarks on my credit file on all three credit bureaus. 

I called Synchrony Bank to dispute this issue and they informed me that the interest waived was only a one time thing, even though I was told otherwise.
Product: Credit card or prepaid card

On the date of XX/XX/XXXX I reached out to Goldman Sachs Bank to extend my credit for my apple card and was discriminated then immediately denied. This is a consumer credit transaction and I'm federally protected by law. I believe this financial institution has committed fraud on behalf of my rights to privacy. Pursuant to XXXX XXXX XXXX ( XXXX ) its unlawful for any creditor to discriminate any consumer doing a credit transaction. Under Truth in lending act pursuant to XXXX usc XXXX ( XXXX ) I have open end credit where me extending my credit to goldman sachs should be never ending and no problem.
Product: Mortgage

This is a rebuttal to the response that XXXX XXXX XXXX replied. I DID NOT ASK THE DEFINITION OF A CHARGE OFF I am well aware of what that means. It 's a bank code that is used to show a loss. That did not answer any of my original questions with this company. What this company is doing is Double Jeopardy in a sense,. The initial company charges off the same account that they purchased or took over. The account number is the exact same as the initial. This makes the mortgage look as though it was charged off twice. Where is the signed documents? Where is the payment history? I did not ask them what the other company was did I asked what kind of underhanded treatment they are trying to pull. Just what accurate law and regulations are they quoting? How is this even close to being legal? For the first company to charge it off and then again this one. I would think that this violates the Fair Debt Collection Practice Act which would include unfair and deceptive practices. I want to see a Mathematical audit on this account.
Product: Debt collection

LVNV has been negatively re-aging my account and incorrectly using the date of when they took over the account/charge-off date as the first date of delinquency. When in actuality, the correct date of first major delinquency was in XXXX of the original account. The date the original account was closed was in XXXX and no payments have ever been made to LVNV ; however, they have been falsely using a more recent date of delinquency of XXXX in order to keep it on my credit report longer than allowed by the Fair Credit Report Act and in attempts to collect for a longer time period than legally permitted. I am reporting them for unlawful collection tactics. I am also requesting that they immediately discontinue such tactics and correct the false information they have been giving to the credit bureaus. Thank you for your assistance in this matter.
Product: Mortgage

XX/XX/year> spoke to XXXX # XXXX Account Resolution Selence Finance she stated the contract was mailed to XXXX, Tn address on XXXX XXXX XXXX again I expressed I never received the final modification contract. I asked it the corrections were made to have the siblings ' names removed because modification is based on my income I provided all financial documents. Spoke to XXXX on XXXX XXXX he stated that he had put in a request to have these corrections made removing siblings names from final modification documents. Called back spoke to XXXX # XXXX in Customer Service she stated she didn't see where they are working to correct the documents make the changes needed to have the names of the siblings removed. Received acceleration of the debt for modification after I've made the 3 trial payments and waiting on corrected final modification documents to be sent for my signature. I've called to make the monthly modified payments for XXXX XXXX XXXX XXXXXXXX will not accept my payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have no financial obligation to this company and because I never signed for this accounT, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
XXXX  XXXX, XXXX/XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my updated personal credit report and noticed that unauthorized credit inquiries remain. It seems my credit has been compromised under your watch. Despite submitting FTC report # XXXX, these inquiries have not been removed. I previously contacted the companies listed below, requesting them to remove these unauthorized inquiries from their records and all credit reporting agencies. They assured me they would comply. Each company received a certified letter indicating the inquiries were unauthorized, and I asked for their removal. I am requesting immediate deletion of the unauthorized inquiries listed below. The purpose of this complaint is to address several unauthorized hard credit inquiries on my credit report. There are still FOUR ( 4 ) unauthorized inquiries listed. Enclosed is my new FTC report for your reference, number XXXX. I am disappointed by your lack of action. When will the XXXX and XXXX remove these erroneous hard inquiries from my credit file? My requests have been ignored for months. Please cease the delay tactics and remove the following inquiries. Also, I am requesting the TransUnion to please remove these inaccurate addresses from my credit report as well : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION : XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX. Under the Fair Credit Reporting Act Section 605B ( a ), you are required to remove items opened without my knowledge, consent, or authority within four business days, given ( 1 ) appropriate proof of my identity; ( 2 ) a copy of an identity theft report ; ( 3 ) identification of such information by me; and ( 4 ) a statement from me that the information is not related to any transaction by me. This complaint serves as a notification that if these inquiries are not removed from my reports, I will be filing a lawsuit. My attorney is aware of my intentions and is ready to hold you accountable for noncompliance. This is the XXXX 's and XXXX 's FINAL NOTICE. Please remove the inquiries resulting from erroneous credit reporting. Thank you for addressing this matter promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$19000.00} ; XXXX XXXX  XXXX Balance : {$0.00}
Product: Credit reporting

I asked for a specific XXXX XXXX account to be deleted from my credit profile but instead Transunion deleted all of my XXXX XXXX accounts. So i 'm now requesting Transunion to reinsert only the XXXX XXXX accounts that i list. Here are the exact XXXX XXXX accounts to be reinserted. 
1. XXXX 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX Bank XXXX XXXXAccount # XXXX Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

They are violating the privacy act the courts told me via mail that they dont report nothing to the credit agencies. IF THEY DONT OWN WHY ARE THEY STILL ON REPORTING ON MY CREDIT???