23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

On XX/XX/XXXX, I financed a new XXXX XXXX XXXX through Capital One Auto Finance. On XX/XX/XXXX, I was involved in an XXXX XXXX, and my car insurance company, XXXX, which is under my XXXX XXXX name, XXXX XXXX, deemed the vehicle a total loss. XXXX determined the value of the car to be {$24000.00}. The balance of the loan was {$22000.00}. On XX/XX/XXXX, the sum of {$22000.00} was paid to XXXX XXXX XXXX by XXXX, at the direction of Capital One Auto Finance as their payment portal. On XX/XX/XXXX, Capital One Auto Finance accepted the payment from XXXX XXXX XXXX. The vehicle was paid in full. However, Capital One Auto Finance proceeded to report to all XXXX  credit bureaus that the XX/XX/XXXX and XX/XX/XXXX payments were XXXX  days late. This was not possible, as the car was paid in full, and Capital One Auto Finance accepted the payment prior to the XX/XX/XXXX, due date. I was made aware of these reported late payments when I applied for a XXXX  XXXX loan on XX/XX/XXXX, and was denied because of them. I reached out to Capital One Auto Finance on XX/XX/XXXX, in an effort to get them fixed, as the car had been paid in full prior to the XX/XX/XXXX, due date, but they were unable to help me. I disputed the reported late payments through all of the credit bureaus, and Capital One Auto Finance came back stating that they received the payment on XX/XX/XXXX, so the late payments would stand. Again, this is not possible. I have the receipts, including the check number and account information that it was sent to. Their portal company received the money on XX/XX/XXXX, and Capital One Auto Finance received the funds the following day, on XX/XX/XXXX, several days before the XX/XX/XXXX, due date. Due to Capital One Auto Finance reporting payments as late even though they were not, I was denied a home loan and have been unable to purchase a home that would be suited for my XXXX XXXX needs, as he has XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As I pulled my credit report after having identity theft I notice things on my report that I never applied or have any knowledge of or any open accounts. On XX/XX/2022 I sent out certified mail letters notifying the companys and reporting companies listed with the accounts below which they are in violation of the fair credit report act ( FCRA ) CODE : 15 U.S.C 1681. Without my authorization. I have not initiated any transactions with this company and I do not have an account nor have I benefited from this company as defined under code 15 U.S.C 1693a ( 2 ) Furthermore, under the FCRA Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years or both Code 15 U.S.C 1681n ( a ). I was willing to settle this matter without any admitted liability. But However, I have not received a written response or any response back from the following companies. I have not received any validation with my hand written signature on it, Im seeking the removal of this inquiry from my credit report due to fraudulent activity that has been took placed. 

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: Credit reporting or other personal consumer reports

i reviewed my consumer reports and noticed and noticed that i had two late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included a screenshot inside this complaint in on dates of XX/XX/. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided i demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
Product: Credit reporting, credit repair services, or other personal consumer reports

i have written XXXX and Experian to provide me with the verification reporting on my credit file protein the bankruptcy shown on my credit file numerous times and i was denied that information of prove. I wrote the court and received a letter from them stating they doesnt provide public records to the credit bureau..
Product: Checking or savings account

To Whom It May Concern : Bank of America is illegally withholding my money from me. 

Due to XXXX related economic XXXX, I was one of the many hard-working Americans that needed to make the tough decision to make available some of my retirement savings so that I can continue to pay bills and be on-time with my monthly payments. 

After liquidating XXXX of my accounts with XXXX XXXX on XX/XX/21, they sent me a XXXX XXXX check for the amount {$10000.00}. This was the money that would keep me afloat during this difficult time. 

I promptly deposited this check at my local Bank of America XXXX on Friday, XX/XX/21, with the understanding that money is usually made available within 2-3 business days to ensure the check clears and verify the funds available. 

I received notification later that night that the funds were going to not be made available until XX/XX/21. This is a seemingly arbitrary XXXXday hold. 

After speaking with representatives with Bank of America, they are unwilling to remove this hold or shorten this hold. I offered to bring XXXX XXXX into the conversation to ensure the funds were there. I offered to provide receipt of the account I liquidated with XXXX to provide proof the funds were not obtained illegally. 

Bank of America is doing nothing to help me. And my thought is that this can not be legal. This is my money. My money needs to be made available to me within a reasonable amount of time. XXXX days is not a reasonable amount of time. 

There are XXXX calendar days between now and the end of the month.This is more than enough time to verify whatever Bank of America needs to verify. XXXX days will make me late on my all my monthly obligations, including ( ironically ) Bank of America for my car loan. 

Fix this problem. Release the hold my money. It's my money, not yours. And you're illegally keeping it from me. 

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

I have recently gotten off the phone with you all about the account on my profile .Explained numerous times that this is being fraudulently reported on my consumer report and must be legally removed based on the FCRA rights and under the 15 US Code 1681b- Permissible Purposes of consumer reports. You have violated 15 USC 1681B ( XXXX ) ( A ) ( i ) ( XXXX ) ( XXXX ) Disclosure to consumer ( A ) In general Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes ; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. 

I did not give my written consent for you to present this out to the public being my consumer report please remove this account from my report.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX 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

Upon reviewing my consumer report, I noticed an account that should not be there. 

Consumer reporting agencies may only furnish a consumer report in accordance with the written instruction of the consumer to whom it relates. 

I have never given any of the consumer reporting agencies permission to furnish account XXXX XXXX - XXXX to my consumer report. 

There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and RESPECT FOR THE CONSUMER 'S RIGHT TO PRIVACY. 

Please investigate and delete this account from my consumer report. 

Thank You
Product: Mortgage

I have a loan with Ameris Bank. The terms of my mortgage loan are not being honored by the mortgage company/servicing. The terms of the loan included an interest rate buydown, but the mortgage company continues to not honor the buydown, instead charging me the full interest rate ( which equates to {$400.00} more dollars on my payment each month ). I have called the mortgage company many times trying to resolve this issue, I have escalated to multiple supervisors at the customer service department, and I have reached out to my original loan officer. Each party claims they are researching this or escalating it, and that I should check back later for an update. This issue has most recently been ongoing for the last six weeks, but has been a problem since the beginning of the loan. 

The mortgage closed on XXXX XXXX, XXXX, the first payment on XX/XX/XXXX reflected the incorrect amount, I reported it immediately to the mortgage company and payed it anyway. The next several months were the correct amount, paid by check and mailed to the mortgage company. Once the loan was moved to a new servicer on XX/XX/XXXX, the incorrect payment amount resurfaced and I again began to try to get it corrected. To avoid any negative marks, I again paid the incorrect amount in XXXX, and have been trying to get the payment amount resolved for XXXX. Halfway through the month, the issue is still not resolved and I have not received any assurances that it will be - only that I can check back on XX/XX/XXXX to see what the latest status is. 

I have provided the company with my loan package clearly stating the correct amount, yet correspondence with the " research team '' at Ameris was closed and I was told that the payment amount is actually correct as it stands - it is not correct. 

I continue to speak with customer service in attempts to fix this problem, and I have been waiting for a servicing liaison with Ameris to return my email about how this will be resolved. I am reporting Ameris Bank to the CFPB because I have no faith in the company to resolve my issue without some kind of oversight or accountability. 

The correct amount of my monthly payment ( PITI ) should be XXXX. They continue to request XXXX, which is the correct amount once the buydown period expires in XX/XX/XXXX. It is not fair or correct for me to be held to to the higher payment amount per the terms of the loan agreement and as each month passes, I'm afraid it will become harder to avoid paying this higher amount. There appears to be no incentive at the mortgage company to get this right.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to dispute what Experian is reporting regarding my credit history. It seems they are reporting conflicting information between summaries and my actual credit report. Also there was a significant drop in my credit score but the reporting doesn't indicate why. Experian does not have a way on it's website to either inquire or dispute an issue of this kind. Although the site 's FAQ says you can add a statement, there is no way to access a way to add the statement. When trying to call Experian to discuss the issue you have to wait an endless amount of time to reach service support. It seems the user experience was designed to avoid consumers from managing damaging information published by Experian.
Product: Debt collection

Acquired my private information without consent. Violation of the Privacy Act of 1974. Reporting a certificate of indebtedness which is income that isnt supposed to be reported into my consumer report.
Product: Credit reporting or other personal consumer reports

I am contacting you to dispute a hard inquiry on my credit report that I believe is inaccurate.
Product: Student loan

Public Service Loan Forgiveness I submitted a certification form PSLF forms to MOHELA on the following dates : XX/XX/XXXX - Civilian XX/XX/XXXX - Military - XXXX XXXXXX/XX/XXXX - Civilian employment XX/XX/XXXX forms cover my XXXX XXXX  and military service. My XXXX XXXX  went from was from XXXX. After review I have not been credit for military service time or my XXXX XXXX. I made payments during this time and if public service is credited I would have completed 120 months and be eligible for loan forgiveness. 

XX/XX/XXXX additional dates at my current XXXX XXXX job. I am requested that this time be counted. 

MOHELA continues to not credit my public service to reach loan forgiveness. I am requesting that MOHELA review and credit my public service.
Product: Money transfer, virtual currency, or money service

My husband, XXXX XXXX, and I attempted to purchase a backhoe using XXXX XXXX. The listing company was XXXX XXXX XXXX. Located at XXXX XXXX XXXX, XXXX, FL XXXX. After researching the company, I determined that it was a legitimate business. The purchase price of the backhoe was {$28000.00} and the shipping was {$2800.00}. I was advised by " XXXX '' from XXXX XXXX XXXX that we would need to wire transfer the money after he sent us an invoice. We wire transferred the money on Thursday, XX/XX/2023. We went to our bank, XXXX XXXX, and made the wire transfer to Chase Bank, in the name of XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX. Account XXXX. XXXX. On Monday of the next week, XX/XX/2023, I tried contacting " XXXX '' from XXXX XXXX XXXX. There was no response, and he did not respond to email either. The next day I contacted the owner of the company, XXXX XXXX. XXXX XXXX advised that it was not her company that we bought the backhoe from. She stated that her company and her name were fraudulently used to sell this equipment and that approximately two weeks prior to this she received a call from another person who also thought they had purchased a piece of equipment from her company. On XX/XX/2023, I attempted to contact Chase Bank fraud department. The person I spoke to advised me to contact my bank, XXXX XXXX. I contacted my banker, XXXX XXXX, and advised him of the situation. He immediately submitted paperwork to Chase Bank that this was a fraudulent wire transfer. He also advised that he had a contact at Chase Bank that he could call. XXXX XXXX called me back a little while later and advised that his contact told him that the money was still in the account and that Chase Bank had a restriction on the account. I then received a letter from XXXX XXXX, stating that " As the money will not be returned from the receiving bank, we are not able to reimburse you. '' I once again called XXXX XXXX and spoke with him about this letter. He said that he would call his contact at Chase Bank and inquire into the account. He later called me and advised me that his contact had told him that the money was still in the account, the restriction was still on the account and that Chase Bank was not able to get a hold of the account holder to ask their permission to release my money to me. His contact advised that I would need to take another route to have my money returned to me. In the interim, XXXX XXXX, the owner of XXXX XXXX and/or her husband, filed a police report with XXXX XXXX XXXX XXXX XXXX Department XXXX I was contacted by a XXXX XXXX. XXXX XXXX requested that I file a police report with my local XXXX XXXX XXXX which I did. I have attached the following documents to this complaint : 1. Invoice - Unredacted 2. Bill of Sale - Unredacted XXXX. Wire transfer - Unredacted XXXX. XXXX XXXX Police Report - Unredacted XXXX. XXXX XXXX XXXX Police Report - Unredacted 6. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These reporting agencies I know nothing about, they had no reason to keep checking my report i never heard of them, and they were checking 5 and 6 times a month damaging my credit history this is unacceptable and want them removed, if not I'm filing a lawsuit, I feel like im definitely a victim of identity fraud, and its making me very upset, these are the hard inquires .... 
XXXX XXXX - from XX/XX/XXXX-XX/XX/XXXX about 10 times XXXX from XX/XX/XXXX-XX/XX/XXXX I don't know these people XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX They have all fraudently pulled my name, and my identity, I'm scared and confused, please remove these people
Product: Credit reporting or other personal consumer reports

When I reviewed my credit reports I still see the fraudulent accounts, erroneous and inaccurate information reflected in my credit reports. The TRANSUNION must validate these accounts, this complaint to TRANSUNION is in line with Section 609 ( a ) ( 1 ) ( A ) and 611 a ) ( 1 ) ( A ). These accounts needs to be corrected and investigated as they are totally erroneous.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts and inquiries : 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 XXXXXXXX. Also these inquiries : XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, and XXXX  XX/XX/XXXX. Please remove these items ASAP.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit reporting or other personal consumer reports

looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. I sent a letter to Experian on XX/XX/year> and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix nothing. There are breaking Federal law According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. According to 15 USC 1681 ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of 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- ( ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledae of errors. According to 15 USC 1681 ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of 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- ( ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors 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. According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. This is unfair and if they are doing this to me imagine who else they are doing this too. Can you fix
Product: Debt collection

Upon reviewing my latest credit report, I found several accounts that appear to be incorrect and were added without my consent.
Product: Money transfer, virtual currency, or money service

I have not been able to log in to my crypto.com account in several months ( at least XXXX ) I have also attempted to create a new account with the same issue ( an error message requesting that I reach out to support @ crypto.com ) I have tried to email the support @ crypto.com address several times with no response I tried the chat feature on the srypto.com website at least XXXX times and none of the support staff have assisted. They ask for information regarding the issue, person details to validate the account, send a bunch of troubleshooting that I have already completed then transfer me to another rep like themselves to repeat the same process. 
I reached out to the XXXX XXXX  and was asked to speak to the chat support There is no working e-mail, phone number to call, or support person who has addressed the issue. 

There are thousands of complaints regarding this same issue from users all over the world. 

I am just looking to resolve this quickly.