23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On or about XX/XX/XXXX, I spoke to XXXX and his mechanic about a problem that XXXX XXXX stated may be the problem with the car vibrating. I asked if the mechanic could diagnose my XXXX XXXX XXXX XXXX. The mechanic said he could. After repairs were done. I picked up the vehicle and the problem was worst. The vehicle had to be towed twice. After questioning the management, management referred me to the XXXX XXXX because they lied about having the computer software for diagnosing my XXXX. I asked Easy Pay XXXX for their contract. Initially, they were reluctant to provide it. When I read the contract, it stated that it was a lease contract and any payment that was defaulted on would result in the leased equipment being returned. How do you return leased equipment and or a part installed on a vehicle. Easy Pay XXXX failed to investigate the misrepresentation of the XXXX located at XXXX XXXX XXXX XXXX. XXXX, Tx XXXX regarding the lack of XXXX software to diagnose my vehicle prior to ordering and putting the wrong part on my vehicle and then telling me to go to the XXXX XXXX. These actions by XXXX were part of a series of incidents involving law enforcement using overcharging me for car repairs as retaliation for filing a lawsuit on police corruption. I believe XXXX has a contract on XXXX police vehicles. As I stated, I filed this complaint last year with the CFPB but the email transmission was intercepted from my phone computer. The CFPB complaint was deleted from the CFPB data base. Here is the complaint no. XXXX. I receive bills from EasyPay XXXX despite my claim that they have engaged in deceptive trade practices and I'm want to sue them for deceptive trade practices with a jury trial.
Product: Checking or savings account

Subject : Formal Complaint Against Bank of America for Tier 3 Violations Retaliatory Account Closures, Fraud Claim Mishandling, and Systemic Negligence What Happened I have been a loyal Bank of America customer for 13 years, maintaining my accounts responsibly without prior issues. However, between XX/XX/XXXX and XX/XX/year>, unauthorized ATM withdrawals totaling {$4200.00} were made from my account due to ATM skimming fraud. These transactions followed common fraud patterns, including : Small test withdrawals to check the cards validity. Incorrect PIN entries, suggesting multiple fraud attempts. Escalating charges after successful withdrawals. 
On XX/XX/year>, I promptly reported the fraud and provided detailed supporting evidence, including : Geo-tagged photos proving I was out of town. 
Annotated bank statements showing the fraudulent transactions. 
Transaction logs identifying irregular spending behavior. 
How Bank of America Mishandled My Claims Despite my timely report and extensive evidence, Bank of America mishandled my fraud claim in multiple ways, violating both Regulation E ( 12 CFR 1005.11 ) and UDAAP protections ( 12 U.S.C. 5531 & 5536 ) : Improper Claim Splitting : Instead of consolidating my fraud case, BoA split it into three separate claims ( # XXXX, # XXXX, and # XXXX ). This tactic : Delayed resolution, causing unnecessary processing time. 
Created confusion, leading to inconsistent outcomes. 
Left one claim still unresolved as of today.

Failure to Investigate Thoroughly : XX/XX/year> I submitted a 35-page fax of evidence proving my fraud case.

Same Day Claims Denied Within Hours, indicating no meaningful review was conducted.

BoA ignored geo-tagged photos showing I was at Burning Man in XXXX XXXX, while fraud occurred in XXXX XXXX XXXX 
Failure to Provide Provisional Credit ( Regulation E Violation ) : BoA failed to issue provisional credit within 10 business days, violating 12 CFR 1005.11 ( c ) ( 2 ) ( i ).

Retaliatory Account Closures ( UDAAP Violation ) : Despite the fraudulent account remaining open, BoA closed my non-fraud-affected accounts five times.

Account closures immediately followed my submission of evidence, suggesting retaliatory intent. 
These closures caused : Negative reporting to XXXX. Disrupted financial stability ( missed payments, rent issues ). A XXXX XXXX XXXX drop ( XXXX XXXX ). 
Conflicting Information & Systemic Negligence : Over 17 hours of recorded calls with BoA document repeated misstatements, false assurances, and procedural failures.

Call recordings ( Legally Obtained in XXXX, a One-Party Consent State NRS 200.620 ) contain : Contradictory statements from fraud department representatives. 
Admitted failure to review submitted evidence. 
BoAs inability to provide clear denial justifications.
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 USC Code 1681eb. 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 in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b 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! 15 USC 1666b ( 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports XXXX
Product: Credit reporting or other personal consumer reports

As of XX/XX/XXXX Equifax is reporting inaccurate information on my credit report. XXXX - XXXX is reporting Consumer disputes - reinvestigation in progress, Consumer disputes after resolution. This complaint was never been resolved since XXXX but equifax is reporting as in progress. I have not received anything regarding this inaccurate information. This account has no account number or company phone or address this is false reporting. The following information XXXX XXXX XXXX Account XXXX XXXX is inaccurate information. I've made numerous attempts to have this corrected and Equifax requested my information and yet they haven't resolved this problem. They received all my mail with my drivers license and yet no response back. If Equifax refuses to acknowledge this inaccurate information I will report this to the FTC as false reporting.
Product: Money transfer, virtual currency, or money service

I have made contact with the CFTC and SEC and they have raised a complaint ticket for me. 

I have also contacted a law firm. 

Ive repeatedly asked you to help me but you have promised escalation 6 times yet not done anything. Youve just been delaying things and your customer service is appalling. 

My litecoin is sat in the wrong address due to you having a mobile upgrade and technical issues on XX/XX/21. This was well documented on social media. Ive been advised by crypto experts in this field that only you can recover my ltc assets for me as you own the private keys. 

Further my lawyer has told me to make you aware that I will be holding you liable for the price fluctuations that go against me by allowing me to be without my assets for over 3 weeks. This is know as conversion theft. The longer you allow this to continue the larger and larger the claim for damages is growing. At this stage I want to simply resolve matters without involving external agencies or ligation but time is running out. 

You have made me suffer and mentally tortured me over fears of losing my life savings for something you could have sorted this out so quickly. 

I have emailed you multiple times and have reached out on XXXX support but you have nothing once responded and tried escalated matters for me. 

I urge you to do the right thing and deal with this immediately this is your last opportunity.
Product: Credit card

It's unjustified that I've always paid this account on time without any delays. Please ensure my account reflects this accurately.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance Owed : {$2200.00} XXXX XXXX Balance Owed : {$3700.00} XXXX XXXX Balance Owed : {$2200.00} XXXXXXXX XXXX Balance Owed : {$3700.00}
Product: Checking or savings account

My account was charged {$53.00} for a XXXX  transaction I didn't make and the date on the transaction states XX/XX/XXXX so how is that possible I spoke to my bank they first said my account would be credited {$53.00} and they failed to do so I called back and then they informed me that they couldn't do that I was given the wrong information by they're coworker so nothing was resolved my money was taken this is the 3rd time I have this problem
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion continuing to display innacurrate employer on credit report. Same ole XXXX   from transunion. Lied again after saying they took care of problem.
Product: Credit reporting or other personal consumer reports

I couldnt believe it when I saw inaccurate accounts on my credit report this morning, and I have no explanation for how they appeared. I always check my report regularly, but today, I noticed unexpected discrepancies. I tried refreshing my browser, thinking it might fix the problem, but nothing changed. Because of this issue, Im asking for a thorough review of the documents Ive provided so I can finally stop worrying about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my updated credit report and I noticed that there were several account and incorrect personal information reporting that does not belong to me. Please assist me in getting these items removed from my credit file. 

The following address information is incorrect : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX The following accounts are not mine : XXXX XXXX XXXXXXXX - Bal : {$4000.00} XXXX XXXX XXXXXXXX - Bal : {$2500.00} XXXX Unknown Inquiries : XXXX XXXX 13 TIMES
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending information to verify myself with my disputes, I sent a follow-up dispute ( XX/XX/2019 ) by means of a Credit Repair Organization, Experian has failed to respond. They have violated the FCRA in that it has been more than 30-days. Please see items below ACCOUNTS XXXX AUTO FIN XXXX not mine XXXX CRED XXXX not mine XXXX XXXX not mine XXXX BANK XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX not mine XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX XXXX not mine XXXX, XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX XXXX not mine XXXX FUNDING XXXX not mine XXXX XXXX   XXXX not mine XXXX XXXX XXXX not mine
Product: Credit card or prepaid card

Bank of America lowered my credit limit by {$800.00} without notice in XX/XX/2019 and caused my credit rating to drop. 
I am currently paying my credit card balances down to rebuild my credit score and my reward is a lower credit score thanks to Bank of America tampering with my credit limit.

4Q Bank of America
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX - account name XXXX account number Shows was 30 days late. 
All payment made on time and it was the employee 's fault that misapplied payment for the 30 day late. The issue has yet to be corrected. 
XXXX XXXX account name XXXX account number All payment made on time and it was the employee 's fault that misapplied payment for the 30 day late. The issue has yet to be corrected.
Product: Money transfer, virtual currency, or money service

Hello, This complain is regarding Coinbase. I have over {$10000.00} cash that I have wired to my Coinbase account. They have indicated that they have accepted the wire and credited my USD wallet. I also have over {$8000.00} value of Litecoin and Bitcoin that I have purchased. Here 's the problem : I ca n't access any of it. They wo n't let me purchase more bitcoin. They wo n't let me take the money out. They wo n't let me do anything with it. They indicate ( via automatic notification ) they need to verify my identity. I have given them all the information they have asked for including a photo of my California Driver 's License. I requested help from support on XXXX XXXX, XXXX. No response from them other than an automated response that says " Due to increased volume it may take several days to receive a response. '' I have read  online on other forums that other people are having the same problem. They are n't getting a response after waiting weeks. I do n't have weeks to wait to use my own money. It 's not right that I ca n't access it as they claim I should be able to do. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit Reporting act XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to express my dissatisfaction and concern regarding the inaccuracies in my credit file, specifically relating to the reporting of late-open accounts. Despite my previous attempts to address this issue, the late-open accounts continue to be inaccurately reflected on my credit report, impacting my XXXX XXXX and financial well-being. 

The credit file currently includes late-open accounts that are not reflective of my credit history. These inaccuracies are damaging my XXXX XXXX and affecting my ability to secure favorable terms on loans and credit applications. 

I have previously submitted dispute requests regarding the late-open accounts, providing supporting documentation to validate my claims. However, the corrections have not been made, and the inaccurate information persists. 

The presence of these inaccuracies has led to unfavorable credit terms and XXXX have negative consequences for my financial future. It is imperative that these late-open accounts be corrected promptly. 

I kindly request that you conduct a thorough review of my credit file and take immediate action to correct the inaccuracies related to the late-open accounts. I have attached copies of the supporting documentation for your reference. 

Additionally, I expect clear and timely communication throughout the resolution process, and a written confirmation of the corrections made to my credit file. 

If this matter is not addressed satisfactorily within the specified timeframe from the date of this letter, I will be left with no alternative but to escalate this complaint to regulatory authorities and seek legal advice to protect my consumer rights. I am asking for your assistance to correct these late open accounts in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several letters to XXXX, XXXX, and Transunion advising of incorrect names, addresses, birthdates, and socials. They only responded that they updated the information ; however, all files still show incorrect personal information. When I called, they stated they could not remove the incorrect information. This has caused me to get denied loans and credit because my identity could not be verified. These letters were all sent within the last year, with my last attempt being in XXXX of 2023.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX FINANCE 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 USC Code 1681eb. 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 in to be removed.

They are not in compliance with the following law. 15 USC 1666b 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!

15 USC 1666b ( 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. That is a huge difference. XXXX paints me as a XXXX. XXXX XXXX say I have good credit. What the heck is going on here. I have almost no debt and my identity was stolen causing my score to drop n I made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have seven negative inquiries credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify and remove the accounts and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 10 times. experian is an abusive company. They are supposed to be protecting consumers. They need to be reigned inthey are causi ng me XXXX XXXX and stopping me from getting this job offer n now im homeless n cant provide to my two year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported an incident of dentity theft to equifax and submitted police report and several disputes to remove the hard inquiries that were fraudulently obtained from my credit report. Equifax has not removed them and closed the complaint. Even though one of the creditors ( XXXX XXXX ) has sent them a letter to remove it on their behalf. The case has not been resolved although I have submitted documentations both on this website and by mail. I am not satisfied with the resolution and am submitting another complaint. Please see original complaint below : I have recently been the victim of identity theft and have had several hard inquiries from federal credit unions that I have never heard of. I have contacted all of the creditors and the hard inquiries still remain on my equifax report negatively effecting my credit score. I have frozen all three credit reports and placed a security alert on my account. I would like the following hard inquiries to be removed XX/XX/2021 : XXXX XXXX, XXXX XXXX XXXX, XXXX, MD XXXX XX/XX/2021 : XXXX XXXX, XXXX XXXX XXXX, XXXX, VA XXXX XX/XX/2021 : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, VA XXXX
Product: Checking or savings account

Citizens Bank accepted my deposit of {$150000.00} on XX/XX/XXXX. They claim they can not " verify '' the amount with XXXX XXXX XXXX. I asked them what they mean by " verify '' but they could not. I confimed with the title agency who has the XXXX relationship with XXXX XXXX and they they had over $ 5Million in funds available at XXXX. The name of the title agency was " XXXX XXXX XXXX '' of XXXX XXXX NJ.. They refuse to clear the check until XX/XX/XXXX. 

Citizens is clearly delaying the clearing of these funds to make money on the float. I suspect I 'm not the only customer getting screwed. 

Please call me at XXXX.