23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

During 2023 I was charged {$290.00} in interest. I called numerous times to have payments reallocated to revolving balances instead of be allocated toward special purchases that were not due in full until a future billing cycle. As a result, I was continually incurring unnecessary interest charges. There were times when the interest saver payment was incorrect. I called Capital One to explain this and they could not explain to me how it was calculated. I was charged interest even though I was making payments in full.
Product: Checking or savings account

On XX/XX/XXXX Bank of America closed my unemployment debit card account and sent back funds that had been payed out tome from nevada unemployment. When I tried contacting bofa they informed me that it was unemployment who issued the freeze on my account. When I was finally able to reach someone at unemployment days later, the gentleman i spoke with informed me that this was not the truth. He stated that it was actually BofA who had issued these mass account freezes on thousands of claimants. Anyone who had ever had their account locked before due to fraud activity suspicions were now having to go through this ridiculous freeze of their account and contact nevada unemployment to verify their identity and wait for their account to be reopened. I have been waiting since XX/XX/XXXX and have filed each week since for unemployment and it is now XXXX XXXX XXXX and I have yet to receive a XXXX. My utilities are being disconnected now, I can not feed my children. I tried calling Bofa multiple times for them to tell me that even after unemployment notifies them that my identity has been verified I will have to wait for an unknown amount of time longer for BofA to update my account. These people couldn't care less about the hardship this is causing my family or what we are suffering because of this mess. I am waiting in a little over {$2000.00} to date from this mess that could be useful in helping my family eat and keep out heat and lights on.
Product: Money transfer, virtual currency, or money service

I would like to report a fraud against Xoom Corporation. Recently I've made a transaction from Xoom to  transfer funds from my XXXX XXXX  account to XXXX XXXX  account but the funds were never deposited in my XXXX XXXX  account. I've sent Xoom multiple email communication and made phone calls but no one is responsible enough to look into this. Also, I've shared my both bank statements ( the sending and the receiving bank ) to verify that the funds were never deposited. I'm going through a lot of mental stress because of all this. Please help me out here. 

Transaction Initiated from US : XX/XX/2020 Transaction # : XXXX Transaction Amount : XXXX USD I'm attaching the bank statements for the reference. Please let me know if any further details are needed from my end. 

Thank You!!
Product: Consumer Loan

In XXXX XXXX, my mother passed away. She was leasing a vehicle from Hyundai Motor Finance at the time of her death. In XXXX XXXX, I assumed the rest of the lease payments XXXX through XXXX XXXX ). I am currently trying to refinance my home and learned Hyundai Motor Finance reported to the credit reporting agencies that I had XXXX late payments for the leased vehicle in/around XXXX XXXX. This reporting is negatively affecting my credit and thus making it difficult to secure a loan based on stellar credit scores ( my credit is now XXXX w/ the perceived late payments ... normally XXXX ). Hyundai Motor Finance is telling me I assumed all the negative credit information that is associated with the lease prior to me assuming it. This type of reporting is clearly inaccurate and can not be correct. Please help with this. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX, the accounts listed on my attachments has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

I was locked out of my account due to several large deposits from my tax return four days ago. I provided all the documentation requested to unlock my account three days ago and was told I would have access back to my account in one day. I still do not have access to my funds and customer service has been atrocious to work with. I keep telling me one thing and doing nothing. I need access to my account and funds today.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed below as reporting 100 % accurate. However, this account is STILL inaccurate and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit score. 


Account name XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX. ) Account number XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you immediately delete this inaccurate information from my credit report. 




Thank you for your time and help in this matter. 


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

In accordance with the Fair Credit Reporting Act, everything has to be 100 % on my credit report. The credit bureaus stated my account was properly investigated, but how is that possible when I contacted the court and their response is enclosed below. It is clear that they do not report to Experian, XXXX, XXXX, or any other credit bureaus. Therefore, the response verifying that the item was either an error or a lie. Either way, the reporting requirements do not comply with FCRA S 611 ( 15 U.S.C.SEC1681. That's grounds for removal and the also violated my rights under the 15 U.S.C. 1681 SEC 602 states that I have the right to privacy. 15 U.S.C 1681 Section 604, states that consumer reporting agencies can not furnish your account without my written permission. So I did not give written permission to these accounts to be furnished on my credit report.
Product: Vehicle loan or lease

I have retained new copies of my credit reports, and noticed that Flagship credit acceptance did not furnish the credit bureaus with the required disclosure, within the period required by law. Flagship credit acceptance are required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which was signed for on XX/XX/2023 at XXXX XXXX. I have retained a copy of the signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period.
Product: Debt collection

I am formally disputing and requesting the immediate removal of fraudulent accounts from my credit report due to identity theft. I have no knowledge of how the theft occurred or any information on suspects, and I did not benefit financially or otherwise. Under the Fair Credit Reporting Act ( FCRA ), prompt removal of fraudulent accounts is required. Therefore, I insist on immediate action to remove the disputed information from my credit report. Please delete the following fraudulent information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I bought a car and Santander Bank was the lender charged me 21 % and XXXX for 74 months they got a lawsuit for price gouging and I am suing also I have asked numerous times I want it off my credit. Dates bought it XX/XX/XXXX repoed in XX/XX/XXXX lemon car.
Product: Money transfer, virtual currency, or money service

I got two emails from Coinbase on XX/XX/XXXX telling me that my two wire transfers, {$4000.00} & {$5300.00}, have been rejected because of a name mismatch ( my wife, XXXX XXXX, was the sender ) and so were sent back to the bank. But I looked at the bank account and personally called the bank to confirm. Coinbase did not wire funds back to the bank. I have repeatedly tried contacting Coinbase via XXXX, email, and phone without success. This wire transfer reversal should not take this long. What 's even worse is that the Coinbase website states that a wire transfer will only take one business day which is completely dishonest and  misleading.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I mailed and faxed a dispute letter to Experian, XXXX and XXXX  requesting to dispute negative credit items and inquiries. I never received a physical paper copy of the dispute resolution in the mail. According to the Fair Credit Reporting Act, the credit bureaus are required to respond to claims within 30 days and inform me of the results of it's investigation within five business days or they have to automatically delete every item that I disputed. I waited for 45 days and then mailed and faxed all 3 credit bureaus a NEW dispute letter on XX/XX/XXXX, requesting a copy of the investigation results from XX/XX/XXXX. I also requested that they send me proof of how they verified the items and if not provided within 15 days, that they needed to delete every item and inquiry that was disputed. Again, I never received a response in the mail from either credit bureau. Under the Fair Credit Reporting Act, it is a violation for credit reporting agencies to report inaccurate information about anyone, mixing up one 's personal information with someone else 's because of similarities or same names, social security numbers, addresses, etc. Agencies who fail to follow guidelines for handling disputes will be prosecuted in a court of law. According to FCRA, If you find an unauthorized or inaccurate hard inquiry, you can file a dispute letter and request that the bureau remove it from your report. The consumer credit bureaus must investigate dispute requests. If the furnisher corrects your information after your dispute, it must notify all of the credit reporting companies it sent the inaccurate information to, so they can update their reports with the correct information. No proof of investigation results have been received from any of the 3 credit bureaus. In the event that the credit bureaus attempt to state that they never received the said documents in the mail or via fax, I also included and attached them in previous CFPB complaints that were filed against these XXXX credit bureaus. The CFPB complaint numbers are as follows : XXXX XXXX, XXXX Experian, XXXX XXXX. XXXX XXXX, XXXX XXXX, XXXX Experian, XXXX XXXX, XXXX Experian, XXXX XXXX, XXXX Experian, XXXX XXXX, XXXX XXXX, XXXX Experian, XXXX XXXX. I am demanding that each credit bureau remove, delete, suppress and expunge each negative item, inquiry, incorrect address, name, phone number, employer, public record that I have ever disputed and restrict them from being added back to my report in the future. I am requesting that updated reports reflecting these changes are mailed to me within 15 days of today 's date or I will have my attorney file charges in court. Thank you
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX Opened- I am requesting that this tradeline be removed from all three of my credit reports. Back in XX/XX/XXXX, I moved into XXXXXXXX XXXX XXXX XXXXXXXX. In XX/XX/XXXX, I put in my 60 days notice to the property after hearing about break ins at the property. During my transition in XX/XX/XXXX, I returned to my property at XXXX and confirmed that my unit was broken into. My unit was next door to the leasing office ( gated community, but access to units on the sides of gates for non-residents to enter ). I filed a police report with XXXX Police Department and notified the property. I was advised that no balance was due after me submitting my 60 day notice, along with moving for safety after my property was destroyed and items were stolen. I was later contacted by XXXX regarding a debt owed to the property that they were collecting on. I received no documentation or proof of this debt being owed. The collector is trying to collect on a company that is permanently closed, shortly after the multiple break ins that took place after mine. This account continues to be on my reports after many years. Ive been told by agents that if paid, it will be removed, but no proof of pay to delete when requested. Small payments were applied after confirming they would settle for what was paid within the 30 days and no deletion of the trade line. The account reflects as OPEN and reports as Collection monthly.
Product: Debt collection

What the lady called on the phone I ask who this was she did not reply at first but then gave me her name but didn't give me the company and she work for I ask her again she just gave me the name she did not state that who she was calling on the behalf of what company until I get all my information out or confirm who I was this was very deceitful and I still did not know who I was confirming my information to it make me feel like I was giving my information to a scam artist or something I felt very uncomfortable doing the whole ordeal and I feel like I was being more pressure to pay this debt than ever so I just hung up I thought that when debt collectors call you that have to give you their name and the company name at the collecting for
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I contact XXXX XXXX to change my last name on my credit card account from XXXX to XXXX. I had a marriage related name change, which they made to my account after I provided my passport, drivers license and marriage license. 

XXXX XXXX placed a hard inquiry on my credit file which should not have happened as I was not asking for new credit, or increases to my current credit limit. i was only having them make an administrative change to my account. 

This inquiry from XXXX XXXX should be deleted from all XXXX bureaus. Experian will not remove the inquiry and directed me back to XXXX.
Product: Credit reporting or other personal consumer reports

The US Bankruptcy Court Clerk located in XXXX XXXX, CT, plays an essential role in delivering a wide array of services and resources pertinent to bankruptcy cases within the XXXX XXXXXXXX XXXX Under the leadership of XXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, the court facilitates access to various information, forms, and support for both creditors and debtors, promoting an orderly and effective bankruptcy process. The court clerk has indicated that the court does not share information with any credit bureau, which is the basis for my request to have the erroneous information removed from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate reporting of the XXXX XXXX account ( # XXXX ) on my credit reports with XXXX XXXX XXXX XXXX and TransUnion XXXX The discrepancies between the credit bureaus reporting regarding this account are significant and misleading. Due to these inaccuracies, I demand the immediate removal of this account from all credit reporting agencies and request a thorough investigation into these issues. 

Inaccuracies Identified XXXX. High Credit : XXXX and TransUnion : {$22000.00} XXXX : {$20000.00} XXXX Credit XXXX XXXX XXXX and TransUnion XXXX {$20000.00} XXXX XXXX {$0.00} XXXX. Last Reported Date : XXXX : XX/XX/year> XXXX : XX/XX/year> TransUnion : XX/XX/year> XXXX. Date Last Active : XXXX : XX/XX/year> XXXX : XX/XX/year> TransUnion : XX/XX/year> XXXX. Date of Last Payment : XXXX and TransUnion : XX/XX/year> XXXX : XX/XX/year> XXXX. Late Payment Status : XXXX : Was 30 Days Late XXXX Time ( XXXX ). Was 60 Days Late XXXX Time ( XXXX ). Was 90 Days Late XXXX Time ( XXXX ). Was 120 Days Late XXXX Time ( XXXX ). Was 150 Days Late XXXX Time ( XXXX ). 
XXXX : Was 30 Days Late XXXX Time ( XXXX ). Was 60 Days Late XXXX Time ( XXXX ). Was 90 Days Late XXXX Time ( XXXX ). Was 120 Days Late XXXX Time ( XXXX ). 
TransUnion : Was 30 Days Late XXXX Time ( XXXX ). Was 60 Days Late XXXX Time ( XXXX ). Was 90 Days Late XXXX Time ( XXXX ). Was 120 Days Late XXXX Time ( XXXX ). 

The discrepancies in high credit, credit limit, date last active, and late payment status among the credit bureaus indicate significant inaccuracies.

Violations and Impact The inaccuracies in the reported information violate my rights under the Fair Credit Reporting Act ( FCRA ) and have caused undue harm to my credit profile. Such discrepancies can negatively affect my credit score and financial standing, leading to potential denials of credit or other financial difficulties.

Applicable Laws and Regulations 1. 15 USC 1681e ( b ) - Accuracy of Report : Credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual. The discrepancies in reporting violate this standard.

2. 15 USC 1681i ( a ) ( 1 ) ( A ) - Reinvestigation of Disputed Information : Requires consumer reporting agencies to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information.

3. 15 USC 1681i ( a ) ( 5 ) - Treatment of Inaccurate or Unverifiable Information : Mandates that if disputed information is found to be inaccurate or unverifiable during a reinvestigation, it must be promptly deleted.

4. 15 USC 1681s-2 ( a ) ( 1 ) ( A ) - Responsibilities of Furnishers of Information : Prohibits furnishers from providing information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate.

5. 15 USC 1681s-2 ( b ) - Duties of Furnishers of Information Upon Notice of Dispute : Requires furnishers to investigate, review all relevant information, and report the results to the consumer reporting agencies.
Product: Credit card

When my father died, I notified his Discover card that he had passed ( sent them a copy of his death certificate ) and that his estate was insolvent ( it is ). 

They started sending ME the bills for his account, at my address and in my name, and calling me ( have called me at least XXXX times ) to tell me *I* owed the money. I told them the XXXX time they called that I did NOT owe the money, and that they should send documentation that I was responsible. They said " we ca n't '' and " we do n't have that documentation ''. But they continued to call. And my credit rating was impacted. 
FINALLY, after HOURS on the phone with them and sending several written complaints, they told me 1 - if I do n't pay it, it will continue to be on my credit rating, 2 - if I DO pay any part of the bill to protect my credit rating, AND then they resolve my dispute by confirming in their own research that I am NOT responsible for the account/debt, THEN THEY WILL NOT REFUND THE MONEY I HAVE PAID TO THE ACCOUNT while they were falsely insisting I owed it. 3 - At their advice, I paid the initial " minimum payment due '' from after my Dad died ( they had increased it to several hundred ) so as not to have my credit rating impacted quite so badly. So I paid {$35.00}. 4 - They CONTINUED to call to say " my '' account was past due. 5 - They sent me a LETTER stating " Based on a review of the information, we have removed your name from this account .... '' 6 - I CONTINUE to receive calls ( two just today ) stating I owe them money. 7 - Logging into the account via my Dad 's site, it STILL shows my name ON THE ACCOUNT. 8 -I am on hold with them now, and they have just confirmed my name is STILL ON THE ACCOUNT.
Product: Debt collection

I received a call on a work phone in a co-workers office. They asked me for my name without introduction then began asking some personal information. I didn't provide anything I thought they could use to steal my identity but verified who was. I was then put on hold and connected to a male who began by asking me if his coworker explained the nature of the call. I told him no. He then told me that I had a debt that started at around {$1500.00} but was now {$3600.00}. He said it was from XXXX XXXX. I told him that I have never owned an account there. He said he wanted to get do to the bottom of things and figure out what was going on. He then asked me if I was divorced, if an ex-wife could have done this and if she ever did anything like this before. I told him yes she has and much worse. ( I have been in litigation for over 6 years with her and this case is a matter of public record. He could have looked it up. ) I asked him what his name was but he just continued talking. There was a lot of noise in the back ground and it was hard to understand him. I asked him if he was in a call center. His reply was his company has its own collections department. He told me that he would talk with the creditor and see if they would settle the debt because of my divorce. When he came back he said they would take the original balance of around {$1500.00}. I told him again that I never had that debt. He said that if I didn't settle he would begin the process. He then asked me if I lived at an address I resided at 26 yeas ago. He also said I would see my debt on my XXXX and XXXX   credit scores and it was my job to dispute it. since I didn't, I owed it. I told him that it wasn't there because id didn't exist. I told him to hold no while I check. I could hear him shifting the phone back and forth. I use XXXX XXXX to monitor my credit so I looked and sure enough nothing. I told him this. He said he didn't have the time to waste with arguing and hung up on me. I went back to my office and saw the same number on my phone. They left a message. XXXX XXXX was the name she went by and her phone number was XXXX ex XXXX. The name was c & m associates. I think this is a scam to scare people into giving them money and when they found out I monitor my credit they hung up.
Product: Credit reporting or other personal consumer reports

On XX/XX/1999, I submitted disputes to the credit bureaus about fraudulent accounts. Till date I still havent received any responses or updates to my credit report. 15 U.S. Code 168c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from alleged identity theft, no later than 4 business days after the date of receipt. 

These accounts should not be furnished on my consumer report as they are in VIOLATION! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY.