23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I opened up my account and then deposit a cashiers check over the mobile deposit and it didnt work so I went into the branch and the manager at XXXX deposited it manually and then couple days later I got into an accident in my truck and I had a passenger and she took my purse and ran because I guess she had warrants and she stole the cashiers check in my purse and her boyfriend deposit it in the same bank through an ATM machine {$980.00} back in XX/XX/ and then after that every ATM withdrawal I took out using my pin two more withdraws would come out as a signature transaction every time after they took that money from my account and put it in the criminals account found out who did it put him in jail filed a police report filed 19 disputes contacted the FBI see the OCC and nobody will make them give me my cashiers check back even just a cashiers check not in addition to the {$4000.00} in withdraws that were messed up after that and it is pathetic there is no organization to even watch is what Bank Of America does I mean and Im XXXX and they kept my money for two years now 2 1/2 years and just never bother giving it back in their investigations guy he didnt even turn in the withdraws as an authorized I went to the business is where the withdraws were made and had them called her bank and they werent even turned in an authorized they were never investigated just didnt deny and nobody cares and a lot of it was because one of them was an at mobile deposit the other was a manual deposit and the other was ATM and the rest of them were ATM withdraws so they couldnt figure out how to file the dispute correctly so the investigator would understand what happened or even just bother giving my cashiers check back and nobody regulates what they do the FDIC in OCC all they did was have an arrogant guy from their investigation department call me and then a day later call me and tell me they close the claim and then they close my account after I just open that account and put it on my credit its crazy and its just criminal the fact that Bank Of America can just get away with that to a XXXX person
Product: Credit card or prepaid card

I changed my address and then my card was " frozen ''. I called to find out why and they told me to fax a " letter '' showing my intent to change the address. I have sent that fax multiple times and then on XX/XX/XXXX, I called and was told I needed to send bank statement and my ID to have the address changed. This was done and the company still says after sending this information three times, that they don't have it. Even when the fax transmission report for all three faxes shows " success ''. I want the " freeze '' removed, if not then I will no longer want this card and will not be paying the balance since I can not use the card and for the primary fact that by not getting my faxes or lifting the " freeze '' I believe this company to not be trustworthy with my personal information.
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX License Number - XXXX, Vehicle Financed - XXXX XXXXXXXX XXXX XXXX XXXX XXXX Vehicle Mileage - XXXX miles, Vehicle VIN - XXXX I was told the car was {$5900.00} and yet after review of my contract on the Credit Acceptance Corporation website it states the vehicle price as {$7900.00}, a {$2000.00} difference, as well as signing an opt out agreement for an " extended warranty '' and " Gap Coverage '' yet after review of my contract I was charged {$1800.00} for the extended warranty service and {$1500.00} for the gap coverage. 

So combined I was overcharged {$5300.00} plus the sales tax, finance charges and whatever other fees came from it. I understand CAC can only go based on the information provided to them, so I'm submitting documentation as proof, so they may review during the process. 

Thank you, XXXX XXXX.
Product: Checking or savings account

I already opened a claim with cfpb and now Bank of America closed my accounts and I spoke with someone named XXXX from correspond team saying this and that now they closed my account because they didnt want to give me my fund from other claim and they credit the money and then took it away again and they give me a full refund after I open the claim with cfpb XXXX weeks later funds were reversed and they adjusted things and I was negative XXXX in checking account and negative in saving I dont recall maybe XXXX now I had a problem also again open a claim and they closed my account and I reopened a cfpb report and they approved the funds and now they took XXXX and XXXX XXXX cant even see why they just send money why would they be able to charge u money of your account is closed and you cant even get money out a my a brunch I had XXXX in saving now its only XXXX something the agent said after all they took Im reporting all this cause I have letters and all the proof since the beginning of my first claim that I been struggling to pay my bills ever since I will proceed legally cause Im so tired of Bank of America last statement has XXXX and something I have already send all info to my lawyer why can they move your money and send and a send letters about taking your money because fees or money owed but you cant even touch your own money and they close your account due to there mistakes
Product: Credit reporting or other personal consumer reports

XX/XX/year>2024 Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting Dear CFPB, I am writing to formally file a complaint regarding your failure to correct inaccurate information on my credit report for my account with XXXX Account Number XXXX. Despite multiple written requests for correction, dated ( XX/XX/year> ), my requests have been consistently disregarded. This failure constitutes violations of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations : Under 15 U.S. Code 1666b, creditors are required to send periodic statements at least XXXX  days before the payment due date. The inaccurate late payment reporting on my account indicates a failure to meet this legal requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies verify the accuracy of information in consumer files, which has not been adhered to in this case. The discrepancies in my credit report remain unresolved, showing negligence on the part of TransUnion to ensure accuracy as mandated. 
TILA Violations : The Truth in Lending Act emphasizes the requirement for accurate and timely disclosures to consumers. Due to the inaccurate reporting of a late payment, my creditworthiness has been adversely impacted, affecting my financial stability. 
Protection Against Non-Payment of Obligations Act ( PAANL ) : The XXXX underscores the duty of creditors to provide timely statements, which would prevent unfair penalties, such as this late payment reporting, that harm consumers without due cause. 
The following discrepancies were noted on my credit report across all three major credit bureaus : TransUnion : XXXX marked as XXXX  days late, although previous payments were timely. 
XXXX : Similarly, XXXX indicates a XXXX late status despite consistent timely payments. 
XXXX : Records a XXXX late entry in XXXX as well, contradicting previous payments made on time. 
Nothing has changed despite XXXX previous disputes with TransUnion and the original creditor, and this continued misreporting has led to unnecessary harm to my credit score and financial reliability. 
Desired Resolution : I request the immediate removal of the inaccurate late payment notation from my credit report. Additionally, please provide written confirmation of this correction. Failure to address this matter promptly may result in further escalation, including potential legal action and the filing of additional complaints with relevant regulatory bodies. 
Thank you for your attention to this matter. I trust that you will give this issue the urgency it requires. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX my driver license, my social security, my passport, and other personal items including my husband documents were stolen. At that time my credit history was starting, so when I reported to the credit bureaus they put an alert for 6 months. 
On XX/XX/XXXX somebody got a credit card from Discover, using my identity. 
I discovered that on XX/XX/XXXX when I downloaded the App XXXX. 
Since that date I have been trying to remove this false account directly with Discover, but have been impossible.
Product: Credit reporting or other personal consumer reports

In XXXX of 2019 I applied for a forbearance on my Student Loans through XXXX XXXXXXXX who was the servicer at the time. XXXX assured me I did not have to worry about payments or anything else while it processed. Everything was fine until I realized that I have XXXX day late payments reported to my credit although I have a letter from XXXX XXXX clearly stating that I was in forbearance during the time that I was supposedly late. 

During this time I had 17 student loan accounts which meant I had 17 90 day late payments which absolutely devastated my credit. 

I did dispute this through XXXX, XXXX and Transunion all of which said that XXXX came back and verified that the late payments were accurate which is incorrect. The multiple times I spoke to XXXX XXXX  over the phone I was told this is something that needed to be dealt with through mail. I mailed them on numerous occasions and never received a response.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after 8 oclock antemeridian and before 9 oclock postmeridian, local time at the consumers location ; ( 2 ) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorneys name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer; or ( 3 ) at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of theconsumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, aconsumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.

( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease furthercommunication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector orcreditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt.

( d ) Consumer defined For the purpose of this section, the term consumer includes the consumers spouse, parent ( if the consumer is a minor ), guardian, executor, or administrator.
Product: Mortgage

We are Executor and heirs to the property in question and we were not aware of a mortgage on the loan. We are in jeopardy of losing our family home because we were not served a Notice of Foreclosure. The deceased parties have been deceased since XX/XX/XXXX and XX/XX/XXXX with No mention of a mortgage. 

We need time to verify that the debt is in fact our family debt and if so we must be given a payoff so that we can settle the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is incorrect information on my credit report. I am requesting that you promptly update and delete names variations that are not accurate, addresses that I never resided and may possibly be relatives address, and employers that are not accurate. 

My name is : XXXX XXXX, XXXX - DOB : XXXX - SS # : XXXX All other name variations are not accurate : My current and only address is : XXXX XXXX XXXX, XXXX, OH XXXX All other addresses are not accurate. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX, XXXX XXXX, OH XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX My current telephone number is : XXXX - All other phone number are not accurate. Please REMOVE/DELETE these phone numbers IMMEDIATELY : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX My current employer is : XXXX XXXX XXXXXXXX XXXX - All other employers are not accurate. Please REMOVE/DELETE these employers IMMEDIATELY : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am getting married in XXXX and I have make payments to vendors for wedding and each time I make a payment from my personal checking account my bank charges me a convenient fee. Which I have never been charged before. I dont understand this fee. So if I go on vacation and use my debit card Im I to be charged a service fee to pay hotel in XXXX, XXXX can far. 
Also when they charge this made up fee it has caused my account to go negative and it snow balls from there.
Product: Credit card or prepaid card

So now not only I had {$1300.00} that was promised to me for 3 weeks ( combined amounts of {$680.00} and {$610.00} from XX/XX/XXXX and XXXX ) that was cancelled out at the last possible minute and only days before XXXX no less, but on XX/XX/XXXX an agent determined I was owed {$1100.00} in credits from returns I had made to merchants, permanent credits, and disputes found in my favor. She put in a request for a balance refund check in that amount and it was CANCELLED. This phone call was monitored and recorded on XX/XX/XXXX at XXXX. I will now be suing Discover for {$2400.00}. A response from the company will not be necessary.
Product: Credit reporting or other personal consumer reports

In reviewing my account I noticed that the information that is listed on my credit reports is extremely inaccurate in various fields. While I understand mistakes can happen unfortunately when it comes to financial data and credit reporting this is one industry where mistakes can cost the bearer extreme harm and distress. With account being closed and the furnisher is not responding to my dispute I request that the account is deleted due to all of the inaccurate information in the following fields : Account #, date last active, Payment History, Past Due, Payment Status Additionally there are several late payment indicators listed, which make no sense as to the best of my knowledge all payments have been submitted on time however seeing as I haven't been receiving my statements its nearly impossible for me to know the accuracy of the payments received. It merits mentioning again, although I understand mistakes can happen the fact remains this misreporting of information to my credit report has caused me serious harm and also constitutes a violation of federal law, specifically 15 USC 1666b ( a ). I have not received a statement to my address on file as is a requirement under the law. 

This dispute will serve as notice of the inaccurate information that is on my credit reports for this account as well as the opportunity for your company to correct them without any additional action/enforcement on my behalf. The account information on the account in question is listed below : XXXX XXXX : XXXX I have attached a copy of my ID and billing statement for verification purposes.
Product: Student loan

I tried several times to start a plan to pay the student loans with Navien, I filled a form which they were supposed to send my husband so he could sign. He never received. I called them because I needed more information about the repayment options, they were unable to give me further explanation about the plans. They said I had to read and choose one of the plans that are listed in the website. I asked them for information in XXXX, they dont have information so I was not able to make a decision. I have not started paying the loans and Im receiving so many calls during the day co collect debt. Thanks.
Product: Debt collection

after requesting consumer report and analyzing I noticed an illegally furnished account on my XXXX XXXX consumer report in which CREDIT MANAGEMENT , LP a debt collector is in violation of 12 CFR Part 1006.18 by falsely misrepresenting themselves as the original creditor and attempting to collect an alleged debt I am now seeking redress for violations as per 15 U.S. Code 1681n {$1000.00} per violation. This inaccurate report has caused damage to me and my family. I the consumer have been denied for extension of credit do to the negative affect of these inaccuracies on my report I have lost family time and time from work trying to fix this issue i the consumer has had to make calls during times inconvenient to me please help me I've also been hung up on several times in my attempts to gain remedy. if this issue is not resolved i will be taking additional steps by submitting complaints with The XXXX XXXX XXXX and the Attorney General in attempt to settle this matter. 



XXXX XXXX is in violation of 15 USC 1681b ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer. I the consumer never gave XXXX XXXX any written consent to report anything on my consumer report. No consent is identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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 has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Due to a recent divorce, I was advised to check my credit where I found several questionable collections listed. I reached out a few times but have yet to be provided with anything authorizing my ownership of these debts. I have requested original contracts, my authorizing wet signature, and/or any supporting documentation. I was advised that anything not verified within 30 days should be removed from my credit report. I have heard nothing back from either of the following creditors : XXXX XXXX Rev Dated XX/XX/XXXX in the amount of {$970.00} XXXX XXXX XXXX XXXX XX/XX/XXXX in the amount of {$900.00} XXXX XXXX Rev Dated XX/XX/XXXX XXXX XXXX XXXX XXXX {$670.00} XXXX XXXX XXXX  Dated XX/XX/XXXX for amount of {$270.00} XXXX XXXX XXXX Dated XX/XX/XXXX for amount of {$270.00} XXXX Funding Dated XX/XX/XXXX in the amount of {$450.00} XXXX XXXX Dated XX/XX/XXXX in the amount of {$150.00} XXXX XXXX XXXX Dated XX/XX/XXXX in the amount of {$190.00} XXXX XXXX XXXX Dated XX/XX/XXXX in the amount of {$390.00} As you may agree, a few of these seem to be duplications. Although the different credit bureaus may list different dates, they are all very similar entries. These are reflecting very negatively on my credit.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. This Account is in violation of 15 U.S. code 1681A ( 4 ) for consumer right to privacy.This bankruptcy shouldnt be on my credit/consumer report. 
XXXX  XXXX BANKRUPTCY Case Number : XXXX Delete this account. 


2. there is some inaccurate information reporting XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 


3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Delete this account. 


4. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS JEFFCAPSYS Account Number : XXXX Please remove it from my credit report. 


XXXX there is some inaccurate information reporting XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 


6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Delete this account. 


XXXX. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report. 


9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report.