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

Late Fee for {$23.00} charged on XX/XX/2018 mailed statement. 
Paid the {$23.00} late fee XX/XX/2018 by electronic payment. 
XX/XX/2018 {$23.00} late fee payment applied to principal and finance charge. 
XX/XX/2018 mailed statement lists a {$23.00} curtailment credit amount. 
Fee billing for {$23.00} reoccurs in the following months statements for XX/XX/2018, XX/XX/2018, XX/XX/2018, and XX/XX/2018, added to the monthly payment due. 
Each month when I pay the amount due, the {$23.00} fee payment is listed as a curtailment credit on the statement the following month. 
I've called customer service numbers listed on the statements with no success. 
I've written, as requested on the monthly statements, requesting that the monthly statements be corrected, removing the fee that has been paid 5 times, and I asked how the curtailment credits for the fee amount are applied to my account. 
No action or response from the lender.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021, I sent Equifax and XXXX  letters regarding inaccurate and incomplete information that they are reporting on my credit report and has not given me any documentation concerning these negative tradelines. I have attached copies below of the letters that i have sent to the collection agencies as well. no one responded and it should be deleted.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I received an email about getting a job at XXXX XXXX XXXX for a 2D/3D artist job. It said for me to communicate with them about the job through an app called XXXX and speak with someone by the name XXXX XXXX. They had an icon that also said XXXX XXXX on it to make it seem legit. I communicated with them there and they told me the benefits and a XXXX XXXX tablet that they will send to me. They then direct deposited me {$7500.00} to my Bank of America account through XXXX. They then told me to send the money of to a guy named XXXX through XXXX so I can get my equipment set-up. I transfer over {$2600.00} to XXXX through XXXX. The bank gave me a notification warning saying I can't send money over the {$3500.00} maximum amount within 24 hours. They gave me new instructions to go a deposit the money on to gift cards, mostly XXXX gift cards to divide the money in to small parts. Once I did that, I had to message them back with the gift card 's stripe number to confirm and send the money directly to XXXX. This process was going on for 5 days. Mid way they sent me {$4600.00} to be processed to my BOA checking account. They then, message me again saying they need more money and if I could send them {$500.00}. I questioned this and rejected there request telling them I am in college I don't have that amount of money. When i asked, they suddenly stopped replying and dropped contact with me. Complete vanished and took down their XXXX XXXX studios icon. My checking account then received a nasty amount- {$4600.00}. I called Bank of America and disputed this claim and they said they would call me back if they resolved anything. I opened up a new checking account so I can pay my bills and received direct deposited normal until this is resolved. Months go by I would call them from time to time asking about the status on the claim I filed. They said the investigator are still on this and that they will call me when they find anything. Months later up until XX/XX/XXXX, Bank of America closed my checking old account with the - {$4600.00}. I though this was a sign that they cleared it and the issue was solved. But not too long, the bank forcefully starts taking money out from my new checking account and sent emails saying I have a negative balance on my old checking account saying I am still responsible for paying the amount, even though i never spend nor send any of my own money and that the money being deposited back and forth through XXXX was not my money. It was the scammer 's money. Now as of XX/XX/XXXX I have received money from the school of {$2000.00} to pay my tuition. It was sent my BOA checking account ( the new one ) on XX/XX/XXXX overnight at XXXX. But at XXXX, Bank of America XXXX the {$2000.00} out of my account and now it is on hold. leaving me with only {$25.00} on my account.
Product: Credit reporting or other personal consumer reports

I acquired a Wells Fargo XXXX Credit Card and it was the worst mistake of my life. I hated working with Wells Fargo, they are AWFUL, so I paid off my card and closed my account in XXXX of XXXX. Then, somehow in XXXX, months after my account has been closed, I am notified that there is a balance on my card. This is impossible, as the card was paid off and the account closed. I called Wells Fargo so many times and every representative told me my account had no balance. XXXX continues to report that my credit is dwindling because of this 'past due amount ' which does not exist. Please help me fix this. Wells Fargo is XXXX of the worst companies I can imagine and they have now unfairly ruined my credit.
Product: Checking or savings account

I opened an account with a checking promotional offer of {$100.00}. 
The offer states I would be able to " Get a {$100.00} offer when you use this offer page to open a new checking account ''. 

Requirements to earn the promotional offer was to : 1. The deadline to enroll in this offer was XXXX XXXX, XXXX. 
2. Set up and receive at least 2 qualifying direct deposits of {$250.00} or more within the first 90 days of opening your new checking account. 

The promotional code was : XXXX XX/XX/XXXX : I opened the account. 

XX/XX/XXXX : Initial deposit of {$100.00} was made. 

XX/XX/XXXX : Another {$100.00} deposit. 

XX/XX/XXXX : Direct deposit of {$250.00}. 

XX/XX/XXXX : Direct deposit of {$250.00}. 

XXXX : Expected promotional offer bonus, but did not see it. 

Some time between XXXX : Called Bank of America and asked about why I was not seeing a bonus received after meeting the requirements. They said they would escalate the issue. 

XX/XX/XXXX : Called again to check on the escalation, but it was still being reviewed and no resolution yet. 

XX/XX/XXXX : Called again, but still no updates. 

A date around XX/XX/XXXX : Called again, but still no updates. 

XX/XX/XXXX : Called again and the representative told me the escalation was closed already, but I was not informed of the issue being closed. The representative said in the notes, the escalation resolution was that, I did not meet the requirements because I opened the account on XX/XX/XXXX, but the offer internally actually started XX/XX/XXXX. I looked at the offer I received again, but there was no mention of a offer start date and I told the representative. The representative said they tried to find it in the public offer documents, but was unable to find it and that it is an internal notes/document. I asked if I could open another escalation to look into the issue because no starting date was mentioned in the initial offer.
Product: Credit card

I have recently been a victim of identity theft. Someone attempted to open a credit card using my identity for a Macys American Express Credit Card on or around XX/XX/year>. I made a FACT act request, or request for records pursuant to section 609 ( e ) of the Fair Credit Reporting Act, using the application reference number XXXX. 

However, it has been impossible to identify an address to mail this request in. I have spoken to multiple customer service representatives at Citibank, and departments and no one seems to know where to submit this request. The creditor is listed as Citibank. 

I have also mailed a request for records to Citibank and they have not responded.
Product: Checking or savings account

I had put a dispute in with chase because I lost my card and there was unauthorized transaction on my account. They are telling me that it was authorized and I never authorized any transactions I never even spent money on my account. I only made deposits into my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : A couple of years ago, XXXX XXXX ( cable/telephone company ) sent me a final bill ( from an old address ) to which I tried to dispute because I felt I did not owe them that amount. Long story short, they sent me to Credit Management XXXX. The bill was {$160.00}. They gave me a discounted amount of {$110.00} which I paid on XX/XX/2019. I was told my balance is now PAID. 

So even though I was unfairly billed, I took the hit just to get them off my back and to make sure they don't hurt my credit score. In addition, I requested for a deletion of said transaction and was denied. XXXX XXXX, supervisor at Credit Management XXXX  said only XXXX  can make that decision. It seems like  extortion and it's me fighting the giants.

After all that, I just found out that my credit score dropped 40 points, caused by the same XXXX bill. My lender told me the credit report showed PAID, but also showed DELINQUENT. That is contradicting. I called Credit Management XXXX and was told they can not do anything about it. 

I need your help PLEASE. What they did was injustice and they have all the power to hurt me. 


Thank you.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX by Spouse XXXX XXXX XXXX and myself XXXX XXXX XXXX XXXX which XXXX XXXX CEO and I am listed as president. Both Individuals had all rights to the bank account and were signers on the account at the date of this incident. 


XXXX XXXX XXXX XXXX XXXX a check # XXXX electronically from XXXX XXXX XXXX XXXX # XXXX into her Bank of America Acct # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax recently had my XXXX credit card balance listed at {$8.00}, which was correct. It is now at a XXXX  balance. Today, I get a credit alert showing the balance is back to {$290.00}. This is incorrect. I have not made any charges on the card and Ive worked hard to pay off all my credit cards. This will cause my credit score to drop. What are they doing?
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated my XXXX XXXX  Account # XXXX was properly investigation and verified and everything is was % XXXX accurate. 

But how is that possible if the Account numbers is inaccurate, the date last active is inaccurate, and date last reported is not accurate and high credit limit is not accurate, And the date opened is not accurate and the date of last payment not accurate and Number of months ( terms ) is inaccurate.This is grounds for removal they also violated my rights under : 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 USC 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or reasonable cause to believe that the information is inaccurate.

According to the law 15 U.S. Code 6 1681a - Definitions : rules of construction.

The TERM " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681 ( 5 ) ( A ) ( i ).

I attached an updated consumer report as evidence and all three reinvestigations responds from credit bureaus.
Product: Credit reporting or other personal consumer reports

Recently i looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item i am asking you to verify as accurate : XXXXXXXX XXXX  ACCOUNT NUMBER : XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formerly express my concerns regarding Zelle handling of disputes. Zelle has not only neglected to protect its consumers but has also allowed repeated offenders to exploit the system.
Product: Money transfer, virtual currency, or money service

We transferred {$4400.00} via ACH transfer from Bank of America to XXXX bank located in New York on XXXX XXXX. This was a payment to XXXX. It's been almost 5-6 months and still money didn't receive by XXXX. We are circling back and forth between XXXX and bank of America. Made 100s of calls and trip to their physical bank location. Finally we are getting in touch with right department of XXXX and they need technical detail ( attached here ) to trace back the transaction. We tried to contact both banks ( BOA XXXX XXXX XXXX and they both are asking to go to other bank. I don't even know if I receive it back. All I need is detail transaction information to trace back my money.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against the credit reporting agencies, XXXX XXXX, XXXX XXXX, Equifax, and XXXX, regarding fraudulent, inaccurate, incomplete, or unverifiable accounts, inquiries, and addresses on my credit report. I have attempted to resolve these issues directly with the Consumer Reporting Agency on numerous occasions, but have been unsuccessful in obtaining a satisfactory resolution. I am writing to dispute the inaccurate, incomplete, and unverifiable information that appears on my credit report, which was recently obtained from your agency. The inclusion of this erroneous information is adversely affecting my creditworthiness and financial well-being. I assert that the reporting of this information may be in violation of several federal statutes, including the Truth in Lending Act ( TILA ), Fair Credit Billing Act ( FCBA ), and Fair Credit Reporting Act ( FCRA ). 
I have identified the following issues with the information reported on my credit report : Inaccuracy : The information reported on my credit report is inaccurate and does not reflect my true financial status. 
Incompleteness : The information reported on my credit report is incomplete and fails to provide a full and accurate picture of my credit history. 
Unverifiability : I have reason to believe that certain information reported on my credit report can not be verified or substantiated by the credit reporting agency.

I request that the Consumer Financial Protection Bureau investigate these matters and take appropriate action to rectify the inaccuracies on my credit report. I also request that the consumer reporting agency conduct a thorough investigation into the disputed information and provide me with a written explanation of the results.
Product: Credit reporting

My credit report was provided to XXXX XXXX XXXX without my approval. I 've asked the dealership several times to reverse the hard inquiry without success. I need the inquiry removed immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows a bankruptcy that does not belong to me. 

The credit bureaus who listed this information on my credit report states that they verified this information via the XXXX XXXX Courts in the XXXX district of Ohio.

I sent a letter to the XXXX XXXX  court in XXXX Ohio disputing this. I also asked how this inaccurate information was even " verified '' in my letter.

The courts sent me a letter back stating they do not report and DID NOT report this information to the credit bureaus.

This wrong and inaccurate info is negatively effecting my personal life and business life. And I am submitting this complaint because I would appreciate if you can help me get this inaccurate information removed.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I logged in to my Coinbase account, then went to take a shower when getting out and looking at the phone Coinbase site I noticed that someone tried to make a transaction I immediately called because their was no transaction and they still can't find it but have sold my crypto to pay XXXX for a transaction that they said didn't go through and have sold XXXX of my crypto but I still have nothing to show for it, they said the account have been compromised but say it's my fault, by not resolving the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and remove some of the data on my credit report, but there are still some items that need to be updated. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year>. I contacted XXXX on that day for a consumer report also disputes on different matters in their account arrows on credit reporting. Under section XXXX  of the California civil code a person is liable for injuries caused by the person want a ordinary care or skill in the management of the persons property or person except so for as the person who whose injury resulted from what of such ordinary care or skill has, willfully or by what of ordinary care, brought the injury upon himself or herself. I believe that that XXXX has failed to exercise the fail to exercise the ordinary care skill required under the law, as in a result, I have suffered describe the damages or injuries so in a results I am asking for the maximum. As A Result under the USC code 1681 Credit Reporting the complaint I have made ordinary care, leading to the incident and your damage.
Product: Credit reporting, credit repair services, or other personal consumer reports

CAPITAL ONE BANK AND XXXX KEEP VIOLATING THE DODD FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT-TITLE X.
Product: Vehicle loan or lease

Contacted Hyundai XXXX XXXX 4 times since XX/XX/year> asking for a title to be cleared upon paying off my loan. I was being told 4 times that the letter was sent to me. I have not as received any letters from Hyundai XXXX XXXX. There was never any instance of any letter to be lost at my post office during my XXXX  years living at this address. I suspect Hyundai XXXX XXXX is lying and simply not sending any letters.
Product: Money transfer, virtual currency, or money service

XXXX received 2 1099- K forms from Block , Inc - Cash App division for {$6900.00} and {$4300.00} in reportable income associated with accounts in my name that were open fraudulently. I do not have a Cash App Account. 
XXXX contacted Cash App support- the agent did not speak English as a first language and I am not sure that my information was correctly transferred to the agent in charge of the opened case Contacted Cash app - 2 more times, none of the 3 agents have gotten the email associated with my complaint correct. Each one is leaving out the same letter and not taking the time to correct it in their system I have asked for an email to send supporting documentation and they will not give me a functioning email. I have been given XXXX XXXX XXXX XXXX  which is unmonitored and XXXX which only accepts emails from law enforcement. 
I keep being told that they do not help with tax questions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the Bankruptcy an it came back verified by XXXX XXXX, I called XXXX XXXX and they stated the bankruptcy info was verified by the courts. I wrote a letter to the courts and and email to XXXX asked how do they verify with the credit reporting agencies and the court replied with a letter that they dnt verify with no credit reporting agency and pacer replied by email they dnt either. I wrote a letter to XXXX XXXX and attached the letters from bankruptcy court and XXXX and the bankruptcy was removed from my files I have attached they documents confirming this, I sent this info to the credit bureau and they refused to remove the bankruptcy from my credit files. They are in violation of the FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of XX/XX/2022, Equifax XXXX XXXX XXXX XXXX has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX XXXX XXXX believe it was reporting in error.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I went to a dealership with an auto loan check from XXXX  XXXX. Once I got to the dealership they ran my credit when they were not give consent and I received multiple unauthorized inquiries for companies I never applied to. I called multiple times and always been told its nothing that they can do to help me out when I know thats incorrect. 

XXXX XXXX XX/XX/2020 XXXX  XX/XX/2020 TD AUTO FIN  XX/XX/2020 XXXX XXXX XX/XX/2020 I also have 2 XXXX XXXX XXXX inquires on my report and 2 XXXX XXXX inquires on my report so thats 6 total inquires on my report that should be removed I received double inquires for one credit card. Please contact the credit bureaus and have them removed the unauthorized inquires.
Product: Credit reporting or other personal consumer reports

I saw these enquiries on my reports that are not permitted by me or verified by me nor does it have my signature for it to be placed on their platform. These include ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian, XXXX XXXX XX/XX/XXXX - XXXX, XXXX - XX/XX/XXXX - XXXX XXXX XXXX - XX/XX/XXXX - XXXX, XXXX - XX/XX/XXXX - XXXX, XXXX - XX/XX/XXXX - XXXX, XXXX - XX/XX/XXXX - Experian, XXXX XXXX XXXX XX/XX/XXXX XXXX Experian, XXXX XXXX XXXXXX/XX/XXXX - Experian, XXXX - XX/XX/XXXX - XXXX, XXXX - XX/XX/XXXX - XXXX, XXXX XXXX  XX/XX/XXXX -Experian, XXXX XXXX XXXX XXXX - XX/XX/XXXX - Experian, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section XXXX ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within XXXX days. If they fail to do so, these items must be removed from my report. 

As more than XXXX days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, XXXX, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.