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

On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, purchased a used XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Ohio XXXX XXXX. I had the vehicle for a total of four ( 4 ) days until it broke down, at which point i had to return the vehicle to the dealership for maintenance. Initially, XXXX XXXXXXXX would not provide a rental car, even though i used my used vehicle as a trade-in and down payment to purchase to XXXX XXXX XXXX XXXX and was car-less. After filing a XXXX XXXX XXXX complaint on XX/XX/XXXX, i was finally provided with a rental car. XXXX XXXX claims they fixed my car which had a piston issue and i proceeded to pick up the vehicle. Upon picking up the vehicle on XX/XX/XXXX and leaving the dealership with the XXXX XXXX XXXX, the vehicle check-engine light was on, the car would not come up to speed, and the vehicle became shakey while driving. I was able to bring the vehicle back to the dealership the following day, XX/XX/XXXX, and while i was provide with a rental again, i still do not have the vehicle that i originally purchased. Unfortunately, i am not protected under any lemon law that i am aware of as this is a used vehicle. But the dealership has been dishonest about this vehicle from the beginning, would not communicate with me regarding what was wrong, and what is currently wrong, and i feel like i've been scammed with a non-working vehicle unfairly. Huntington National Bank holds the lien of this loan and i am requesting Huntington National Bank work with their dealer buyback representative and have the Bank work in conjunction with XXXX XXXX to remove this loan from my credit report as this situation is completely unfair to me as a consumer to give my used car, for the purchase of another used car, and have no car since the origination of this loan. The first payment has already come due on this vehicle on XX/XX/XXXX and i have not made a payment as i do not have a vehicle at this point in time, nor have i had one since the beginning of this loan. Please help me in having XXXX  XXXX take this vehicle back permanently and remove this loan completely from my credit report. Additionally, given i also down {$3000.00} on top of providing a used car, ideally, i'd like to be reimbursed the {$3000.00} and the used car. I recognize the dealership likely no loner has my used car i brought in, and if this is the case, i would like them to reimburse me for the cash value of that vehicle instead.
Product: Credit card or prepaid card

I am a 20 year customer of Bank of America with a perfect payment history. My last statement arrived late in the mail for an unknown reason. I mailed the payment within two days of receiving the statement. Because the mail delay caused the payment to miss the due date, Bank of America cut off use of my card without any notice or warning. Only after having the card declined twice and calling Bank of America was I told that the system automatically cuts of use a card if a payment goes beyond the due date. I use this card for travel expenses when going out of state for medical treatments. 

Please enact a regulation that requires any card issuer to notify a customer in advance if the issuer is going to cut off use of the card so people do not end up stranded or unable to complete a necessary transaction through no fault of their own.
Product: Credit reporting or other personal consumer reports

I am formally request and I alleged that Credit Bureaus have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report, resulting in significant harm to my financial standing and reputation. I demand an immediate deletion and appropriate remedies as per the law. I demand that they rectify these violations and provide me with an accurate and updated credit report immediately. I have taken immediate steps to address this situation, including filing a police report and notifying the relevant authorities.I request your urgent assistance in investigating and rectifying this fraudulent activity on my credit report, in accordance with the Fair Credit Reporting Act. The following items should be deleted as they are fraud in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Because of the COVID pandemic Californians have credit score protections in place that are supposed to prevent creditors from reporting late payments. 

https : //covid19.ca.gov/get-financial-help/ # credit-score No credit score changes Available to all Californians Automatically prevents late or missing payment info from being shared with credit reporting agencies This protection is available without any action on your part. 

Well, XXXXXXXX XXXX and XXXX XXXX both reported late payments. I have tried disputing these with the Credit Reporting Agency and have had no luck getting them removed. I already previously filed complaints against XXXXXXXX XXXX and XXXX but they have done nothing to help ( going as far as outright refusing to remove stuff even when other creditors did ).
Product: Debt collection

My old apartment complex submitted a fraudulent charge after I moved out. I refused to pay and no one at the complex nor management company ( XXXX XXXX XXXX ) would respond to my multiple calls to resolve this matter. A few months later, they sold/sent the account National Credit Systems . NCS offered to settle the account for {$140.00}. I paid the {$140.00} plus the processing fee which brought the total amount paid to {$150.00} on XX/XX/year>. 
I have made several phone call to the company ( NCS ) without a response and I made a few attempts to have it disputed through the credit bureaus without any success.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  THIS ACCOUNT DOES NOT BELONG TO ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received correspondence from XXXX XXXX advising me that the bankruptcy they were reporting on my credit profile will be deleted and should not be reporting on my credit data Transunion is still reporting this inaccurate bankruptcy about me
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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. States a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

PORTFOLIO Recovery Associates reported on my XXXX  Credit Report that a Credit Card Account was opened under my name in XXXX of 2019 which is false, they have not submitted any document ion to verify this debit or give the ability to dispute this account.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX Inquiry XXXX
Product: Debt collection

I receive a letter from Nationwide Recovery about a medical bill I do not recognize. XXXX they send a response to my letter in which now has a XXXX  child name on it with a XXXX debt. Not sure when the debt was accumulated. Researched the statue of limitations is five years in Florida and asked them to send me authorization paper work from medical provider.
Product: Mortgage

Carrington Mortgage took over my mortgage in XXXX 2013 and since then my mortgage has been recorded as being late. This was due to a problem with the transfer of the loan between XXXX bank and Carrington. Carrington placed the loan on some type of forbearance program, which I paid timely, as requested. After doing this for a few months and additionally paying MORE than the required amount to get 'caught up ', Carrington Mortgage placed my mortgage on ANOTHER program a loan modification program. Which was paid as agreed. I am also receiving certified notices from Carrington advising that my house is possibly going to be foreclosed on and that I should contact them to make payments. WHICH I DONT UNDERSTAND. To date, my mortgage is showing past due of over $ XXXX and when I contact Carrington mortgage to request an explanation, the explanation is unclear as to why the mortgage is STILL showing behind. I do not want to lose my house by accidentally signing the wrong documents and/or not properly signing required documents.
Product: Credit card

I paid my bill in full! I did not know it was XXXX dollars left on my statement until XXXX days later. I called express clothing store with this matter. It's still on my report as late. If you can look at my account. I never been late. 

Act 15 USC 1681 section 602 section 605
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX XXXXXXXX Complaint Letter to Delete Inaccurate Information Dear Sir or Madam : I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed item is listed on the enclosed page of my credit report. 

The following item is inaccurate and negatively effecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It is my understanding that under law you have 30 days from the receipt of this letter to verify this item. It should be understood that failure to do so within the 30 day period constitutes reason to immediately delete this item from my credit report. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ).

Also, pursuant to 15 U.S.C. section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me the item has been deleted. You may send an updated copy of my credit report to the below address. According to the provisions of 15 U.S.C. section 1681j, there should be no charge for this notification. 

Sincerely,
Product: Checking or savings account

XX/XX/XXXX, a transaction for {$63.00} was posted to my Chime account for services I did not receive from a can service. I promptly reported this unauthorized or disputed transaction to Chime. Despite this, no provisional credit has been applied to my account, as required under Regulation XXXX ( XXXX XXXX Transfer Act ). This failure has caused me financial hardship and dishonor. 

1. Regulation E ( 12 CFR 1005.11 - Procedures for Resolving Errors ) Financial institutions must investigate reported errors, provide provisional credit to the account within 10 business days, and conclude the investigation within 45 days. 

Chimes failure to issue a provisional credit violates this regulation, especially as no safeguards or accurate verification of the dispute were undertaken. 

2. Electronic Fund Transfer Act ( EFTA, 15 U.S.C. 1693 et seq. ) This law protects consumers against unauthorized transactions. Financial institutions are required to respond promptly to disputes and safeguard account holders ' funds during investigations.

3. Unfair or Deceptive Acts or Practices ( UDAP, Section 5 of the FTC Act ) Chimes failure to safeguard your account, resolve the dispute, or adhere to required protections may constitute an unfair or deceptive act.

4. Consumer Financial Protection Act of 2010 ( 12 U.S.C. 5531 ) Prohibits financial service providers from engaging in acts or practices that are abusive, deceptive, or unfair. Chimes handling of this dispute may fall under these provisions.

5. Duty of Care in Financial Institutions Financial institutions are obligated to act in good faith and ensure their processes are fair, transparent, and diligent when dealing with disputes. Chimes actions ( or lack thereof ) breach this duty.
Product: Money transfer, virtual currency, or money service

I was sent money on Zelle. I went to update my debit card and the ap showed error. I was not able to refund the money or transfer or send the money ; it showed an error. I tried to transfer the money to a new Zelle account with the same number and email after speaking to banker who spoke to Zelle representatives and my own Zelle representatives and the funds were said to have been deposited. I checked all my banking institutions and texts and banking statements and no funds have been deposited to any of my accounts. I started a new bank account that is affiliated with Zelle solely to rectify this issue and they refuse to refund their users ; my clients their money because I deleted my account upon their suggestion moments prior although I have submitted them transaction numbers of the Zelle customers and confirmed that I never received a deposit- they want the Zelle customers to contact their banks.
Product: Vehicle loan or lease

I not liable for this debt I do not have a contract with GM financial they did not provide me with the original contract per my request please remove this account from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I consolidated my Federal Student Loans with XXXX in XXXX 2016, but Navient is still currently showing that I still have a Federal Student Loans with them - the 3 accounts are opened, showing the 3 accounts with a balance, showing that my payments have been deferred - in good standings, and that I still owe them. 

I have been contacting Navient both verbally and in writing about correcting this information. Navient is no longer the agencies for my Student Loans, the accounts have been paid in full to Navient, the accounts should be closed - show a XXXX balance. But they have yet to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my Transunion report there are XXXX Hard inquires that are not mine ( attempted identity theft ) XXXX XXXX XX/XX/2023 ( I have a personal card already this was a unauthorized inquiry this year ) XXXX XXXX  XX/XX/2023 ( I have a personal card already this was a unauthorized inquiry this year ) XXXX XXXX XX/XX/2023 ( I have a personal card already this was a unauthorized inquiry this year ) XXXX XX/XX/2023 ( I have a personal card already this was a unauthorized inquiry this year )
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported to Equifax that 1. The revolving account information on my credit report is obsolete. Their credit report date for my revolving accounts shows XX/XX/XXXX. 
2. The reported balances are wrong.

3. The credit utilizations are wrong, 4. The installment account amounts are wrong.

These inaccurate information are having adverse effects on my credit report score. 

Equifax is reporting my XXXX XXXX account XXXX balance as {$2300.00}, with a credit utilization of 15 %. The actual XXXX XXXX XXXX reported balance is a credit of {$2.00} with a credit utilization of {$0.00}. 

Secondly, Equifax is reporting my XXXX XXXX account XXXX balance as {$5500.00} with a credit utilization of 22 %. The actual balance is {$800.00} with a 2 % credit utilization rate. 

Equifax is reporting for installment accounts XXXX ( for XXXX XXXX XXXX XXXX ) balance as {$11000.00}. However, the actual balance is {$5300.00}. 

As you can see this is a significant difference from almost a year ago to date. Please kindly request that they update their report date from XX/XX/XXXX TO XXXX XXXX. All effort by me to do same has proven unsuccessful. Thank you
Product: Credit card or prepaid card

I have been a Citibank credit card customer ( almost exclusively ) for 28.5 years. I asked them to change my credit card from the XXXX XXXX Platinum card ( I'm no longer a fan of XXXX XXXX ) to a normal, cash-back card. However, they CLOSED my account of 28.5 years and opened a NEW account ( no credit history ) which immediately caused my credit score to drop from XXXX ( excellent ) down to XXXX ( 40 points ) while I am getting approved for a $ XXXX refi of mortgages. Because of the credit score change, this will translate to about $ XXXX/month in ADDITIONAL cost to me. I contacted them to explain the situation and re-open the account. They told me there was a process to re-open ( including a credit check ) and I told them NOT to check my credit again ( as it will drop further ) and they agreed not to. I was talking to " XXXX '' a supervisor in Arizona. When we discussed the situation in detail, he actually explained to me that it was a BANKING mistake ( not a customer mistake ) and because of that, they WILL NOT check my credit. AGAIN, XXXX, A SUPERVISOR SAID THIS WAS A BANKING MISTAKE. NOT MINE. He said he will submit the request to re-open the account and I should hear in 24-48 hours. However, the next morning, I was notified that Citi DID check my credit!!! I have followed up by phone, chat an even in person at a Citi branch ( spoke to the Branch Manager for over an hour ... and she had customer service on the phone ) and all I have been told is to " wait '' to see if they will re-open the account. No one can provide ANY answer or update. They just say I have to wait ( even though I was told 24-48 hours, weeks ago ). WEEKS later ( even though I have emailed and called almost daily ) I got a form letter that said they won't re-open my account. No explanation. No discussion or human interaction. Just a form letter " decline '' after 28.5 years and THEIR mistake. Now, I have to rebuild my credit ( and not be able to refi a $ XXXX mortgage because it now doesn't make sense ) because of THEIR mistake. Now, due to coronavirus response ( which is, of course, a priority ) I can't get ANYONE to even answer the phone.
Product: Credit card or prepaid card

I have disputed a charge on my VISA card with the USAA FSB from the XXXX XXXX XXXX which forced me to book a different flight than the one I originally purchased. 
On XX/XX/XXXX I received a voice message from the USAA stating that according to the Airline the ticket was used ... the services were rendered ... there were no cancellations involved. In the voice message USAA representative XXXX informed me essentially that they have to go off of the information provided by the Airline. 
I disagree. I was not allowed by the XXXX XXXX XXXX to use my ticket for the original flight and was forced to pay extra to book a later flight. At that time I was informed by the XXXX that my ticket was cancelled. I provided to the USAA FSB copies of my boarding passes for the original flight. 
Neither the XXXX XXXX XXXX nor USAA is treating me fairly, The supporting documentation I provided to the USAA confirms the cancellation of my ticket.

The USAA is failing repeatedly to conscientiously review the information I provided to support my dispute.

Apparently, the USAA feels they have to go off of the information provided by the airline. There is, however, no evidence that I was able to use my original ticket and boarding passes and to fly on the original flight. There is evidence ( receipts ) that I had to pay the XXXX additional {$110.00} to book a later flight. 
USAA continues to fail to provide a reasonable resolution of my dispute.
Product: Money transfer, virtual currency, or money service

on XX/XX/22 approx XXXX I received a text that looked like it came from Chase stating that someone had made a {$5000.00} XXXX  payment from my account and it asked if it was me. I sent a text back no and then immediately got a call from a man identifying himself as an employee of Chase in the fraud department He was talking rather fast but was saying that I needed to take steps in the next few minutes to block the transaction or it could take several months to get my money back. I challenged him about whether he was really from Chase but he told me to look at the number he was calling from and stated it would be the number on the back of my chase business card as customer service. Although I still felt reservations I proceeded to listen to the steps he told me to take. Put my name as the receiver, {$5000.00} in the amount and then gave me a number which he said was my claim number. Every hesitation I had he had a quick come back which kept me in the manipulation. I pushed the final button and he hung up, and I knew I had been scammed. I believe he had some way to read my log in and password because 7 days later a chase amazon card whose number was in my online banking was used to make a purchase at a near by XXXX for over {$1300.00} but chase stopped it. I immediately notified Chase and filed a claim. The Chase employee who talked to me said that I would not be held responsible when someone impersonated a Chase employee. When I called in 8 or 9 days later they told me they were not going to pay me back and that they had filed a claim with XXXX. on the XXXX of XXXX I received an email stating they would not pay. I found information on the Electronic Fund Transfer Act and read about examples of someone impersonating an employee and inducing a consumer to make a payment which was considered an unauthorized transaction under this act. I questioned online with Chase whether this situation fell under this act and received no response.
Product: Prepaid card

i filed a claim XXXX with cfpb for my bank of america prepaid account. i was told there was a response to my issue and told the bank would reach out to me or to reach them at XXXX XXXX XXXX ext XXXX i was not sent a response if it was sent i did not recieve it. there was no response made on the cfpb web portal. when i call the number and enter extension i am just given the run around from automated system then the call is disconnected. i still dont have any results or acess to my money.
Product: Money transfer, virtual currency, or money service

On XX/XX/21 my Coinbase.com account was compromised. The hacker logged in to my Coinbase account and sent XXXX XXXX and XXXX XXXX to their own wallet. The cash value was {$210000.00} USD. 

The Coinbase.com daily 'send ' limit on my account was {$1000.00}. Sending more than {$1000.00} in crypto should not have been possible. There were no emails, calls, or text messages from Coinbase asking for my approval.

Coinbase has accepted zero responsibility for their role in this fraudulent use of my account and has offered zero help in the recovery of the stolen funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting the correction of a 30 day late on my credit report. As always, we sent a check as payment for XX/XX/2020. It showed that the check was received on XX/XX/2020, and the funds were withdrawn from my bank account on XX/XX/XXXX, please see attached. 

See attached copy of the check and bank statement. I am NOT SURE WHY the check was returned after it was cashed, and I believe its a bank error on your part. 

The check was cashed on XX/XX/XXXX, and as you can see there were plenty of FUNDS in the bank account for the check to clear. I was also enrolled in a forbearance plan, and despite being on forbearance I continued to make timely payments. 

XXXX XXXX failed to reach out to me to inform me that it was returning the payment. I have never been late on this loan, and this late was assessed to your company error. I am requesting an expedient correction of this error.