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

To whom it may concern : On XX/XX/2020 my account was overdrawn {$280.00}. 
On XX/XX/2020, I received my Stimulus Check for {$3400.00}. The day after on XX/XX/2020. I recieved another deposit from Wells Fargo Bank, stating that they were giving me a credit of {$280.00}. To cover the negative balance in my account. To allow my Stimulus Check to be processed. 
However, I didn't not need or ask to receive this credit, Because once my Stimulus Check cleared it would have covered the negative balance in my account. 

Now two months later on XX/XX/2020, I receive an email from Wells Fargo, stating that on XX/XX/XXXX, they are going to reverse the credit of {$280.00} on my account because it was only meant to be a temporary credit. Which will now put my account back in the negative, and in addition I will receive a {$35.00} overdraft fee. 
As a customer, I believe that this is completely frustrating. This decision that Wells Fargo is making does not show me that my financial institution is setting me up for financial success. It shows me that they want to keep their customers who are struggling to make it day to day during Covid-19 in financial ruin. 

If someone please advise me on what to do that would be greatly appreciated. Thank you. 

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

I have 17 open accounts with XXXX XXXX that were placed in forbearance as part of the Cares Act back in XXXX of XXXX. Over the course of the past two months my credit scores have plummeted ( in excess of 50 points ) as the information reported to the credit bureaus has been inaccurate - resulting in me no longer qualifying for a mortgage I was pursuing. I have made numerous calls to XXXX in an attempt to get this corrected. During one call I was advised it was a credit bureau issue and to file disputes with all three agencies, which I did and they're still under investigation. During another call I wasn't getting any resolution through the XXXX agent and requested a supervisor. The supervisor advised me of an option to submit a credit dispute directly through XXXX, which has to be done through the mail. During the most recent call with XXXX, the agent began laughing as I was asking a question relative to the latest information being reported by XXXX to the credit bureaus. Below, is a breakdown of the discrepancies from each credit report obtained from Equifax, XXXX, and XXXX  ( PDF also included showing examples ) : XX/XX/XXXX Equifax - Account Status - Closed, Payment Status - Pays Account As Agreed, Comments - Payment Deferred, Payment History - No XXXX Payment History Reported XXXX  - Account Status - Open, Payment Status -Pays As Agreed, Payment History - No Payment History Reported for XXXX XXXX  XXXX Account Status - Open, Payment Status - Current, Was 180 Days Past Due, Comments - Payment Deferred & Account in Forbearance, Payment History - XXXX Payment History Reported XX/XX/XXXX Equifax XXXX Account Status - Closed, Payment Status - Pays Account as Agreed, Comment - Payment Deferred, Payment History - No XXXX Payment History XXXX  XXXX Account Status - Closed, Payment Status -Paid As Agreed, Comment - Payment Deferred, Payment History - No Payment History Reported for XXXX XXXX  - Account Status - Closed, Payment Status - Current, Was 180 Days Past Due, Comment - Payment Deferred, Payment History - XXXX Payment History Reported XX/XX/XXXX Equifax - Account Status - Closed, Payment History - Pays Account As Agreed, Comment - Payment Deferred, Payment History - No XXXX/ XXXX Payment History Reported XXXX  - Account Statue - Closed, Payment Status - Paid As Agreed, Comment - Payment Deferred, Payment History - No Payment History Reported for XXXX, XXXX or XXXX XXXX  - Account Status - Open, Payment Status - Current- Was 180 Days Past Due, Payment History - XXXX and XXXX Payment History Reported XX/XX/XXXX Equifax - Account Status XXXX Open, Payment Status - Pays As Agreed, Payment History - XXXX Payment History Reported, No Payment History For XXXX XXXX  - Account Status XXXX Open, Payment Status - Pays As Agreed, Payment History - XXXX Payment History Reported, No Payment History For XXXX XXXX  - Account Status XXXX Open, Payment Status - Current- Was 180 Days Past Due, Payment History - XXXX and XXXX Payment History Reported
Product: Vehicle loan or lease

My credit score was ruined by Hyundai in this difficult for our family times. It was lowered by 200 points. It is affecting our family and we are unable to take loans.

I paid Huinday all the fees and returned the car back. There was an additional fee of {$400.00} dollars when I returned my vehicle that they didn't tell me about it, and I wasn't aware of. I never received a single letter about the new balance after I returned car because we moved to the new address.

I ask you to contact them because if I knew or received a letter from them, I would pay my balance. Now our credit score is ruined. I have a XXXX  and my boyfriend lost his job because of COVID-19. I am head of the household. This is affecting us. 

thank you very much. 

Here is the confirmation of my final payment of {$400.00} to Hyundai motor finance. I paid the remaining balance. 
Last Payment Confirmation : XXXX Hyundai account : XXXX Note : On XX/XX/2020, I spoke with Hyinay finance representative Mr. XXXX explaining the situation, and he said there is nothing that Hyinday is going to do to restore my credit. They are not even going to attempt to contact the credit agency to correct this matter. 

Also, please note, this was the time when I had my XXXX  and my XXXX  was in XXXX XXXX XXXX XXXX. That was another reason that this situation needs to be resolved. If I had received their letter and was aware of the bill, I would pay the balance. 
Now they ruined our credit history and even capable of hearing the reason why we didn't make the payment.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX and XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX and XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX and XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB, XXXX recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX and XXXX complies with federal laws and provide consumers with the necessary proof of investigation. 
This is the account I marked as inaccurate : Procollect , Inc XXXX This is not my account and need it removed.
Product: Debt collection

I called XXXX and XXXX to attempt to pay a " debt ''. I was told the only way I can do this is by paying a shady 3rd party credit site " a dollar ''. After doing this 3 times the lady on the phone became enraged and hung up. Today this scam lawyers office took XXXX  dollars from my bank account under the guise of a " credit repair ''. They stole my money and have all my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

FTC VIOLATION ON THE REPORT AND LISTED HERE : NEVER LATE XXXX XXXX XXXX XXXX FTC XXXX XXXX L ALL FTC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX INQUIRES : XXXX XXXX XXXXL ALL NEED TO BE REMOVED
Product: Mortgage

My loan officer, XXXX XXXX, with Simmons Bank, neglected to inform me that 2 years of commission sales experience was required for a home loan. 

She told me there was a preliminary approval, and I paid for a home inspection based on the approval. 

Afterwards, the loan was declined on the basis of not having 2 years experience as a commissioned salesperson.
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. 

Account name : Attorney XXXX XXXX ( Child Support Division ) # XXXX ( XXXX ), Account name : Chapter XXXX Bankruptcy : Bankruptcy # XXXX ( XXXX ), has violated my rights. 

XXXX5 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 XXXX 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: Money transfer, virtual currency, or money service

Money was fraudulent stolen from my account I have made many attempts to cash app to get my money back never could get anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is has been showing on my consumer credit reports as a charge-off for 7 years plus. Ive been trying to dispute this issue for 2 years now. It is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a 1099-C. They can't charge it off then report it to IRS. Furthermore, ( SANTANDER ) is committing tax fraud. As it stands, I have not received a copy of this form. My rights as a consumer are protected under Chapter 41 Title 15 USC 1601 highlights the consumer 's informed use of credit. At the time that I entered this consumer credit transaction, I was uninformed and I did not understand as the information was not clear and conspicuous. The agreement is null and void due to my lack of understanding because of your corporations unfair, deceptive, and misleadingpractices.
Product: Checking or savings account

I have a checking/debit card account with XXXX XXXX XXXX. This week I noticed the two charges to my account were made, one for {$600.00}. and another for {$99.00} on XX/XX/2018. These charges were filed by a company called " XXXX '' .. I immediately reported this problem to XXXX XXXX XXXX Fraud Division. They said they would make inquiries and froze my account to any other charges that would be made. Now, being as my account has been frozen, my retirement checks and Social Security checks will go into my account but the funds will be frozen. I have no way to pay my mortgage and my bills! I called this company " XXXX '' and told them the confirmation # that was listed on their withdrawal. ( XXXX Transfer Conf # XXXX ) and I asked their agent where or to whom was this money transfered to. He told me he could not give me any information concerning these charges. This is wrong and is Fraud.. This company should be held responsible to tell me who asked them to charge my checking account.
Product: Credit card or prepaid card

Dear Sir/Madame, On XX/XX/XXXX I used my Bank of America credit card to purchase an accommodation with XXXX  for {$550.00}. In XX/XX/XXXX, I notified the Bank of America that the host did not provide an accommodation as agreed and advertised and attached a letter to the host and pictures from the apartment showing non-hygienic state of the place. I demanded the refund for service non provided. 
On XX/XX/XXXX I received a letter from BoA saying that the dispute is closed due to the fact that the host " was willing, but unable provide the service ''. The purchase was not refunded and is still showing on my balance. 
I believe the reply of the Bank is in violation of the FCBA regulation stating explicitly that the cardholder can not be held responsible for a charge for service not provided as agreed.
Product: Credit reporting or other personal consumer reports

I have tried several times to do a dispute with the company through their website and I'm unable too. I have to submit my dispute through a third party to even make it to them. On top of that the account in question XXXX XXXX  XXXX collection account is trying to collect on a illegal contract that my state has already said it break ursry law and this collection company never sent me any mail, email or phone calls regarding this debt. A letter was also sent to XXXX XXXX  years ago and they never responded.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion continues to report a bankruptcy that does not belong to me even after I provided documentation from the bankruptcy court as well as XXXX XXXX stating that the bankruptcy is not mine. I have sent in a dispute every month since XXXX, and each time they fail to properly investigate and resend the same letter that's dated XX/XX/XXXX. I have failed a compliant with the CFPB previously, but to no avail. I spoke with a representative from XXXX XXXX on XX/XX/XXXX @ XXXX and she confirmed that there is no bankruptcy on my account. I would like for this inaccurate data to be removed from my account immediately as it is negatively impacting my credit worthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 17th attempt to dispute the information in my credit file which is resulted from an identity theft. Again, Im sending over an Identity Theft Report # XXXX. Pursuant of FRCA section 605B ( a ) ( 1 ) ( 2 ) CREDIT BUREAUS are required to block any information in my file that resulted from an identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. Please block the reporting of any information in my credit file that resulted from an identity theft ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Bankruptcy XXXX XXXXXXXX XXXX XXXXXXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXXXXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ;
Product: Debt collection

This complaint submission is in regards to a collections account by CONVERGENT OUTSOURCING ( Client Services XXXX XXXX XXXX XXXX XXXX, WA XXXX ) stating I have a delinquent account with them. I have made attempts to rectify this matter with them directly as they have now been unresponsive. I do not have any revolving accounts with them what so ever. CONVERGENT OUTSOURCING is currently in violation of the Fair Debt Collections Practice Act, 15 USC 1692g. I  spoke with a Supervisor in the CUSTOMER RELATIONS DEPARTMENT by which they stated there were not able to locate my account and demanded my personal information when I had the account number present. The account number was received directly from XXXX  credit bureau to whom which CONVERGENT OUTSOURCING is reporting to. It was extremely difficult to obtain any information from them, as they became aggressively rude over the phone. I attempted to obtained their Fax and Mailing address to forward them a debt validation letter. The Supervisor stated to send everything over and they will fax all correspondents to the number provided. A fax confirmation was received on both ends and I still haven't received a response. It was confirmed through my fax machine that the Department had received the files ; however still no correspondents.I have no legal obligation to this company no will I ever in the future. I am requesting CONVERGENT OUTSOURCING to immediately remove me from their systems, and update the XXXX Credit Bureau on this action. At this point, CONVERGENT OUTSOURCING have failed to provide any competent evidence or any legal obligation. Once again, CONVERGENT OUTSOURCING is currently in violation of the Fair Credit Reporting Act, 15 USC 1681, and if this report is not updated immediately I will be taking legal actions.
Product: Vehicle loan or lease

Per settlement agreement Credit Acceptance is reporting inaccurate and discrepant information to all three credit bureaus in violation to our signed court agreement.

They also provided me with a incorrect Audit document with erroneous and discrepant information that is not mine as it relates to personal information. 

They are in violation of our original NDA. They are reporting the STATUS on XXXX, XXXX, and XXXX as Paid, Voluntarily Surrender when the Status for Acct should only show PAID - SETTLE PER THE NDA THAT WE SIGNED.
Product: Student loan

I received an email today stating that there is a payment missing. The email stated that they received the last payment on XX/XX/18 however, according to my records I mailed two payments in XXXX. I complained before but the same thing keeps occuring and I need it to change. Thanks so much for your time.
Product: Checking or savings account

Hi i'm missing a XXXX $ sign up bonus for my checking account, its been past the 8 weeks after qualifying and still no bonus, i tried contacting them about the bonus and they gave me some bs excuse for it saying i had a checking account with them before when I've never banked with them ever in my life. 

If i don't receive the bonus i'm gon na close all of my accounts with you guys and let everyone know how bad of a bank this is. 

Here are the terms - Choice checking {$200.00} bonus requirements : Open new HSBC Choice checking account by XX/XX/2019 Deposit a minimum qualifying balance of {$1500.00} or more in new money in combined checking and savings accounts within 30 calendar days of account opening Maintain at least the minimum qualifying balance for 90 days from the date you deposited the minimum qualifying balance
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone stole my personal information and has been opening credit cards in my name. I 've submitted police reports to Experian and they refuse to remove the false, fraudulent accounts and inquiries. Someone opened a  XXXX    XXXX   credit card,  XXXX   XXXX   XXXX  Credit Card, and  XXXX . Additionally, there are numerous unauthorized credit inquiries I 've only allowed  XXXX  credit inquiry in the last three years. That is   XXXX   XXXX  .
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/ Destiny credit card balance was incorrectly posted to my XXXX credit report. It says the balance went from XXXX to {$270.00}. The statement is below you can CLEARLY SEE THE BALANCE IS XXXX. How are these errors occurring???
Product: Debt collection

I contacted Focus Receivables Management, the collection agency used by XXXX. The amount of the debt was {$630.00} originally. I was able to settle with Focus Receivables Management for {$500.00}. I paid the settlement and was told the collection would be taken off my credit report. It has not only not been taken off my report, but has also not been updated to a paid status.
Product: Credit reporting or other personal consumer reports

I keep receiving emails wrongly claiming I'm helping credit repair companies. This is not trueI send all correspondence myself. 

Please correct this immediately. Attached is a list of negative accounts and inquiries I want removed. If this is not resolved, I will consider legal action. 

Equifax : 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

PLEASE DELETE THIS ACCOUNT XXXX XXXX XXXXXXXX Identified Reporting Inaccuracies Discrepancy in Account Balance : XXXX reports a balance of {$270.00}, XXXX reports {$0.00}, and TransUnion reports {$270.00}. 
This violates FCRA Section 623 ( a ) ( 1 ) [ 15 U.S.C. 1681s-2 ( a ) ( 1 ) ], which mandates furnishers to report accurate and consistent information to all credit bureaus. 
XXXX. Inconsistent Payment History : XXXX and XXXX report 30-day and 60-day delinquencies, while TransUnion reflects no late payments ( 30 : 0, 60 : 0, 90 : 0 ).

This violates FCRA Section 611 ( a ) ( 1 ) [ 15 U.S.C. 1681i ( a ) ( 1 ) ], requiring credit bureaus to promptly investigate and correct disputes regarding inconsistent payment histories.

3. Failure to Verify Account Details : No documentation has been provided to verify the accuracy of the accounts payment status or balance.

This violates FCRA Section 611 ( a ) ( 2 ) [ 15 U.S.C. 1681i ( a ) ( 2 ) ], which requires credit bureaus to notify data furnishers of disputes and reinvestigate reported inaccuracies. 
Improper Reporting of Account Status : XXXX and TransUnion report the account as Derogatory, while XXXX reports the account as Paid. 
This violates CFPB regulations that require uniform and accurate reporting of consumer accounts to prevent misleading data from negatively impacting creditworthiness. 
XXXX. Misrepresentation of Charge-Off Details : The account comments include conflicting statements : " Charged off as bad debt '' and " Legally paid in full for less than the full balance. '' This is a violation of Metro 2 Compliance Standards, which require that account comments be accurate, non-contradictory, and reflective of the true status of the account. 
Failure to Correct Past Due Reporting : XXXX and TransUnion continue to list a Past Due Amount of {$270.00}, while XXXX reports {$0.00}. 
This violates FCRA Section 605 ( a ) [ 15 U.S.C. 1681c ( a ) ], which prohibits the inclusion of inaccurate or misleading information on consumer credit reports.
Product: Credit reporting or other personal consumer reports

In my XXXX report, it shows Hard Inquires that are not mine and I do not know the companies that issued it : FORTIVAXXXX  : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX