23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was XXXX XXXX and since then had been struggling with keeping up with my bills. I owed {$920.00} to Ally Financial as of XX/XX/XXXX. I cashed out the remaining amount if my 401K to pay outstanding bills I had due to my being XXXX. I made an online payment to Ally on XX/XX/XXXX for the overdue balance of {$920.00}. Unfortunately my bank held my 401K cash out check longer than expected causing the funds to not be available in time for the {$920.00} to clear, causing the payment to Ally Financial for {$920.00} to be reversed on XX/XX/XXXX. I called Ally back XX/XX/XXXX and said I wanted to just pay the remaining balance owed not the outstanding balance of {$920.00} ( my 401K cash out had cleared at this point and funds were available ). The Ally representative said " I can not give you a payoff amount until you bring your account current your account is still showing a balance of {$920.00}. '' He also said " once your account is current call back and a payoff amount will be able to be provided. '' I made another online payment of {$920.00} and that payment did clear XX/XX/XXXX. I called back XX/XX/XXXX and got a payoff amount of {$2500.00}, since they my account was current they were able to provide the payoff amount. I made an online payment for {$2500.00} and that cleared as well. Weeks later I received a letter from Ally dated XX/XX/XXXX stating the balance was paid in full and they provided the original title of the vehicle in my name. At some point after my payoff Ally redeposited the first payment of {$920.00} that originally did not clear on XX/XX/XXXX ( even though I made a payment on XX/XX/XXXX to replace that returned payment AND paid of the payoff amount which cleared XX/XX/XXXX ). My bank returned to me the payment of {$920.00} that was deducted from my account AFTER I paid the payoff amount and received my paid letter with the title. Ally is now saying I owe them {$1000.00}. The account should be reflecting closed and paid in full as of XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporter act XX/XX/XXXX account number XXXX has violated my rights. 

1 ) 15 usc 1681 section 602 8 states i have the privacy 2 ) 15 usc 1681 section 604 2 I also state a consumer reporting agency can not furnish your account without my written instructions. 

XXXX Acct # XXXX Bank XXXX XXXX Acct # XXXX Bank XXXX XXXX Act # xxxxx XX/XX/XXXX Acct # XXXX XXXX Bank Acct # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander used predatory lending practices and was in litigation with the XXXX XXXX XXXX XXXX XXXX XXXX These predatory practices have affected me as a consumer because they have put a charge off on my credit for over {$20000.00} that has been there for 8yrs and 11 months that should not be there!
Product: Checking or savings account

On XX/XX/2022, I transferred money from my Capital One XXXX account to XXXX Fed XXXX account in the amount of {$10.00}. The transaction was conducted online. On XX/XX/2022, I noticed that the deposited money have been taken back by Capital One Bank and returned to my Checking account. This resulted in XXXX XXXX XXXX to charge me a fee in the amount of {$22.00} for the returned deposit. I also, noticed that Capital One Bank has frozen my account without any reason or explanation. 

On XX/XX/2022, I contacted Capital One Bank and spoke to a representative on the phone. He stated that he will transfer me to someone to help me and then he hung up and call was disconnected. I called again and they put on hold for a long period of time. Finally, I spoke to a representative to resolve the problem. She asked me for the full number of my Social Security and I declined to provide the number of my SSN over the phone. She refused to help me without providing her with my SSN. She suggested that I go to the Capital One XXXX to resolve the issue. Capital One Bank representatives are unwilling to provide the reason about why my account was frozen and/or restricted. They also didnt explain the reason why they returned the money I transferred to my other bank.
Product: Credit card

I opened an visa credit card from Wells Fargo in XXXX. I NEVER USED THE CARD, and XXXX was on the credit card ( fraudulent ) to XXXX XXXX in XXXX, I'm a resident of Florida they took off some charges, and told me I was responsible for the rest of the charges of which was XXXX. The sent me multiple letter from my complaints, and resolved and closed my account saying in responsible for rest of payment. I've made 2 payments, as I didn't know what else to do, and I know this would start to affect my credit. Please help
Product: Payday loan, title loan, or personal loan

i have a wells fargo auto loan i have made all of payments on time in full. 
I always include an overpayment which I have asked to be applied to principal only The additional payment has NEVER been applied correctly. Wells Fargo simply posts it to the future months payment On XX/XX/2021 I made a {$1200.00} principal only payment, which was applied to the future 4.5 months payments
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted disputes to Experian, XXXX, and XXXX for the past several months, nine months, to be exact regarding the inaccurate late payment reporting on my credit report from XXXX  XXXX XXXX. I have also ask for the method of investigation which all three credit bureaus have failed to provide me with the requested information. 

There is no notice of dispute annotated on my credit report stating that I have submitted a dispute for the XXXX XXXX XXXX account. According to 15 USC 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 3 ) Duty to provide notice of dispute Well, there is no notice of dispute noted on my credit report for that XXXX XXXX XXXX account. 

Therefore, my consumer rights under the FCRA has been clearly violated since the FCRA clearly state that a notice of dispute must be provided. 

In addition, I am providing a copy of attached screenshots showing where Experian, XXXX, and XXXX have receive my dispute letters and claimed the account came back verified but yet my credit report do not show where I have been disputing this account for months. 

Also, Experian, XXXX, and XXXX have failed to ensure maximum accuracy which is also a violation of 15 US CODE 1681e ( b ) Compliance Procedures Maximum Possible Accuracy because how is it that Experian and XXXX are reporting a 30 day late payment but XXXX is reporting a 60 day late payment for the same account during the same timeframe, XXXX of 2021. It's impossible for the same account to report different status which is inaccurate reporting. 

Therefore, according to 15 U.S.C. 1681i Paragraph ( 5 ) any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete I expect for the inaccurate late payment that's reporting on my credit report from XXXX  XXXX XXXX be removed immediately
Product: Credit reporting

Equifax is reporting and inquiry on my credit report that I did n't do. I am a victim of identity theft and have recently ended my relationship with a credit repair agency ( XXXX XXXX ) since then I 've been getting alerts that my credit is being ran without my knowledge or consent. Please find that I 've enclosed my supporting documents. 

1. XXXX XX/XX/2016
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts on my credit report do not belong to me,
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to follow up on our ongoing efforts to correct the late open accounts on my record. Despite our previous attempts, I regret to inform you that these issues still persist. I kindly request that you prioritize the investigation and resolution of these discrepancies, ensuring that all necessary steps are taken to correct them in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations. Moreover, I would appreciate receiving regular updates on the progress made in resolving these matters and a clear timeline for when I can expect to see these discrepancies corrected on my credit report. I understand that resolving such issues may take time and effort, but I urge you to handle this matter with the urgency and attention it deserves. With this, I am asking for your assistance to correct these accounts in my credit file 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: Mortgage

My loan was with XXXX XXXX XXXX. My payments were {$540.00} a month. My taxes were n't included in my loan payments. I became {$1000.00} behind on my taxes. I decided to make payment arrangements with treasurer of the city of XXXX to get my payments up to date. The bank decided to take over the payments and raised my mortgage payments to {$780.00} a month. After three months it went down to {$730.00}. I started struggling with the payments. I became one month behind. The mortgage company sent me paperwork for a long modification. Instead of lowering my payments they raised my payment to {$830.00}. After a month of trying to pay that amount I called and told them I could not afford {$830.00}. I was then XXXX months behind. I was told by the mortgage company that the only other option was to move out and do a short sale or a deed in lieu. I decided to move out. I was told by the mortgage company that they could issue a short sale or a realtor was able to. I moved out of the house in XXXX 2014. I was told to let them know when I moved out. I called them in XXXX and I was told that XXXX XXXX XXXX would no longer be servicing my loan. Green tree would be taking over and I should probably give them until XXXX to get up to speed on my account. When I called in XXXX my account was still not in there system. It was closer to XXXX that I was fully in their system. When I mentioned the short sale to them they told me that 's not how they do it. I would have to list my house for sale and try to get regular price for the house. She said let 's try to do a modification. I told her that XXXX XXXX XXXX already denied me. She said my case was easy. She had seen a lot worse cases. She then denied my modification request after two months of sending in information. Now for six months I 've been trying to do a deed in lieu. I 've sent the same information in five or six times. I have no idea what 's going with the process. No one sends information. I had to look at my credit report to find out they foreclosed my house. But when I ask them has the house been foreclosed I 'm told no. They padlocked the door and I asked them Why are telling me to remove everything out of the house for the deed in lieu when you already padlocked and foreclosed on the house. They keep telling the house has n't been foreclosed, I feel like their trying to catch me off guard in order to prevent bankruptcy. I would have known the process would have taken this long I would have never left the house. In the beginning I wanted to keep the house, now I just want the process to be over with. This is like a slow death.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered last month that   XXXX   XXXX   XXXX   is still continuing to report mortgage payments located at   XXXX   XXXX   XXXX  .   XXXX   , GA to creditors. I contacted them last month and advised that this loan was filed under Chapter  XXXX  in  XXXX . I was not provided any assistance. I reached out to  XXXX  and  XXXX  and filed a dispute. I received the message dated  XX/XX/XXXX  from   XXXX   : Discharged through Bankruptcy Chapter  XXXX . This account is scheduled to continue on record until  XX/XX/XXXX . I contacted the bankruptcy attorney who advised that this account should not continue to be reported on my credit. It is being reported to all credit agencies. This debt was included in Chapter  XXXX  back in  XXXX .
Product: Credit reporting

Equifax verified this public record as accurate but I called my court house and my court house said, Equifax never called them or sent them any letter verifying this information. 
Now I am requesting the method of verification used to actually verify this item and according the case of XXXX XXXX XXXX v Equifax, XXXX XXXX and XXXX XXXX remember you have to do a real dispute and actually verify it. Hiring a 3rd party service does n't work for this purpose.
Product: Mortgage

I am writing to make a complaint against PNC Bank, NA. My husband and I have a home equity loan with PNC Bank that we 've had since XXXX. Our loan is due to be paid full by XXXX XXXX. We are starting to make principal only payments on the balance so that the loan will be paid full by the above date. 
I went to a branch drive thru on XXXX/XXXX/XXXX with a coupon and I wrote in bold letters " Principal Only '' in the amount of {$200.00}. After leaving the bank, I discovered it was processed as a regular payment. I then called the branch and was told by the teller, they have no button on their system to process " principal only '' payments on a home equity loan. I then had to call customer service and request the payment be reversed. I have been on the phone everyday talking to various customer service staff to see how to get my " principal only '' payments processed as such. 
I 've been told all payments will be processed as " regular payments '' and then they have to request that Branch Support Hot Line reverse the payment as principal. I was told this process takes approx. XXXX days. I then asked will the interest accrued on account be reversed and I was told, " No ''. Well in my mind, this defeats what I am attempting to accomplish if I 'm still accruing daily interest ( approximately {$8.00} per day, last time I was told ) and it 's not be reversed. 
I had a home equity loan with XXXX XXXX XXXX and we could make a " principal only '' payment anytime, at the drive thru or inside a branch, and my receipt would indicate " principal only '' payment. 
I think this is a way to collect more interest from their customers who have home equity loans with PNC Bank, NA. How could a bank in the lending industry not be able to service all loan customers in a fair and equitable manner? 
My wish from this complaint is that PNC will have to put in place an option for home equity loan customers to be able to make " principal only '' payments on their loans just as home mortgage customers have to option to do so. At the very least, if that 's not an option, then to reverse the daily interest accrued on account while waiting for payment to be reversed to a " principal only '' payment. 
I appreciate your assistance in this matter.
Product: Student loan

I had entered into an income based repayment in XX/XX/XXXXwhile employed and had all federal subsidized loans with XXXX XXXX and then transferred to Navient. It was my understanding that any interest that my payment schedule did not cover were covered by the government for the first three years as per subsidized loans. I entered into forbearance because I was told this was my option if I was struggling to repay even under the IBR. In XX/XX/XXXX I lost my job. I assumed that any accrued interest was being paid for per the IBR during the 12 months of the forbearance. I was still unemployed by the end of the forbearance period in XX/XX/XXXX, and interest was capitalized on the loans upon the end of the forbearance to a total of {$210.00}. I made two months of payments using my unemployment compensation, before I became aware that I could proceed with an unemployment deferment. I remained unemployed from XX/XX/XXXX- the present and during the intervening years I reapplied for unemployment deferment. I still ended up having accrued interest applied at the end of the deferment to a total of {$640.00} which I am unclear as to why this occurred as I was in deferment the entire period. 

I was never informed that I could get {$0.00} payments under the IBR while unemployed, and have {$850.00} in capitalized interest that should n't have been capitalized.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contacted the company and tried asking them to report the correct payment to the credit bureaus but I have no success. Some how it says I owe $ XXXX when I have the real actual pay down to $ XXXX? Im not understanding why this occurred.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, myXX/XX/XXXXXX/XX/XXXX and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns for consumers safety.
Product: Credit reporting or other personal consumer reports

I closed my XXXX ACCOUNT and the reporting companies XXXX, XXXX  and Experian are reporting LATE PAYMENTS on A CLOSED ACCOUNT. according to FCRA that should not be allowed. Please have those reporting companies rapidly remove this adverse action from my consumer report. 
Thank You
Product: Credit reporting or other personal consumer reports

To whom it may concern : This letter is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish.

Under federal law ( 15 U.S. Code 1681i ), you had thirty ( 30 ) days to complete your investigation from the date you received my dispute.

Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 
Here is a list of items that were sent in my initial dispute letter that now must be deleted from your database. 
XXXX XXXX XXXX XXXX Account # : XXXX Account Status : Open The information must be deleted from my report as soon as possible. Not only did you not respond in a timely matter about how the information was mine and verified to be mine, but the information was inaccurate and misleading and as such represents a very serious error in your reporting.

Once again! Under federal law, you had thirty ( 30 ) days to complete your investigation from the date you received my dispute. Also, this account is reporting as open when it should be reported as closed Sincerely XXXX XXXX XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX XXXX, XXXX, GA XXXX
Product: Credit card or prepaid card

I made purchase for {$110.00} using Paypal credit on XXXX on XX/XX/2021. I called the merchant phone number listed on the web site next day where I made purchase but it was saying if I'm calling about XXXX  then its fraud so I reported to Paypal Credit next day morning. 
Since then I keep calling Paypal credit but the customer service keeps telling me that it will take time and sometime in XXXX they said XXXX produced the tracking number for the delivered goods but I never received the merchandise. I re-opened the case again with Paypal credit again. Their customer service keeps me telling I don't have to pay so I did not pay. Now they keep adding fees and interest and now its {$240.00} and they have closed my account also. I finally gave up and I paid {$240.00} today. They said they sent me letter saying they have confirmed from the seller that they did sent the goods but I never received it. 
I paid it because I'm afraid of the way they are adding fees and I don't have time to call them every time and spend almost 30 minutes. 
But I believe its bad practice that Paypal is using and running fraudulent shop behind the scene also instead if freezing the payment they are using scare tactics to add fees so that a good person end up paying it and that's what happened and I paid it. 
But question is someone need to investigate this and I should get my money back, they must be doing this with many people.. 
I have attach the screenshot of where I made purchase and I believe merchant is fraudulent.
Product: Checking or savings account

I was scammed. I deposited a check of {$3800.00}. Bank of America put the check on hold when deposited into my account. I was asked to wire {$1000.00} to a XXXX XXXX. This was actual money I had in my account. Now the Bank says I owe them {$3800.00} that I never spent. The check was on hold the entire time. I never spent any of the {$3800.00}. Why am I responsible for the money I never spent but was on hold the entire time. I feel like I am being scammed by Bank of America all over again.
Product: Credit card or prepaid card

I have a Michigan Unemployment card and on XX/XX/2020 I was at a register getting ready to purchase XXXX gifts and my card was declined. However, I knew that money should have been there on my card. I went outside and called the customer service number and found that XXXX XXXX XXXX, XXXX NY XXXX XXXX ) XXXX had made several purchases and transactions on my account. I reported the incident and was told that Bank of America requires the pending transaction to post before they can report it. I waited, THEN the next day the transactions disappeared. There was then a new charge on XX/XX/2020 from XXXX XXXX, XXXX XXXX. I called Bank Of America back and reported it, they told me the same information of having to wait, I did. XX/XX/2020 I checked my Bank of America card and now both XXXX XXXX XXXX AND XXXX XXXX have made purchases of goods. I AM CURRENTLY TRYING TO REACH BANK OF AMERICA TO REPORT THE PROBLEM.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX