23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

1 ) XXXX, XXXX XXXXSent funds {$1000.00} to my account by XXXX XXXX 2 ) over the next 6 days until XX/XX/2023, I kept receiving emails that my funds have been successfully sent to my bank and I will be advised when the funds would be available. 
3 ) I called daily only to be told that there were technical hitches and that they will be resolved soon 4 ) Final email sent to me today, XX/XX/2023, said my funds were delivered into my account and that this transaction is NOW COMPLETE- I have NOT RECEIVED THESE FUNDS YET.
Product: Student loan

Since 2011, Fed Loan Servicing put me into multiple months of forbearance because I could not afford payments. However, in those months, the forbearances were from the company mishandling my paperwork for my loan repayment programs and were not my fault. They always stated that they need at least a month ( i.e. a full payment ) to make corrections, which cost me {$3000.00} per month.
Product: Credit reporting

I disputed the entry for a mortgage foreclosure with XXXX Bank on Experian. They investigated and put the date of XXXX 2015 as the date of foreclosure on the account. I disputed the incorrect date of the foreclosure on my Experian report and they did nothing to correct it. I attempted to get them to fix the information to reflect the correct date of the foreclosure and they will not allow any additional changes to the data on the basis that it has already been investigate. XXXX and XXXX are showing the correct info.
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found a 30 day late payment reported for XXXX of 2019. I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement didnt reach me. There is also a 30 day late payment listed for XXXX of 2019 on XXXX  and one for XX/XX/2019 on XXXX. This is not correct. According to the Fair Credit Reporting Act, everything on my credit report is supposed to be accurate and these inconsistent late payments are not.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention that both Capital One and XXXX have been sharing my personal information with the credit reporting agencies without the express written consent. This information includes but is not limited to : transaction history ( late payments ), balance, and experiences. My credit cards are a matter of consumer law. 

Pursuant to 15 USC 1681a ( 2 ) ( i ) Exclusions report containing information solely as to transactions or experiences between the consumer and the person making the report.

Therefore, late payments and account balance SHOULD NOT appear on my consumer report.

Pursuant to 15 U.S. Code 1681 - Congressional findings and statement of purpose, ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( XXXX ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

The privacy statements provided by both CapitalOne and XXXX states that my personal information can only be shared with the credit bureau and affiliates. Pursuant to 15 USC 1681a ( w ) The term Bureau means the Bureau of Consumer Financial Protection. In addition, pursuant to the U.S. Consumer Privacy Notice provided by CapitalOne, the term " Affiliates '' means Companies related by common ownership or control. Therefore, the privately held credit reporting agencies would be excluded from being able to use the above mentioned information on my consumer credit report without my express written consent. 

I have contacted both CapitalOne and XXXX to opt out of all data sharing with any and all third party nonaffiliates, including but not limited to XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, and XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX XXXX XXXX XXXX CA XXXX XXXX Subject : Demand for Correction of Credit Report Inaccuracies per CFRA as a federally protected consumer. I am writing to bring to your attention the inaccuracies present in my credit report, which I believe violate my rights under the Fair Credit Reporting Act and other applicable regulations, including 15 U.S. Code 1602, 6802, 6804, 6805, 16 CFR 313, 433.2, and the Privacy Act of 1974. The Fair Credit Reporting Act ( FCRA ) emphasizes the importance of consumer reporting agencies handling consumer information with fairness, impartiality, and respect for privacy. 

As a consumer, I have the right to protect my private information from being shared, as outlined in 15 USC 6801. This section states that " It is the policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Notably, the " furnisher of information to credit agencies, '' qualifies as a financial institution under this statute. Furthermore, 15 USC Section 1681b ( permissible purpose ) restricts the circumstances under which consumer reporting agencies like XXXX, XXXX, and Experian can furnish consumer reports. This section explicitly states : " In general, subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' the furnisher of information, does not possess written consent from me to access my personal information. Therefore, as a federally protected consumer I am now opting out of any-and-all authorization I, the consumer may have given you- written, unwritten, verbal or nonverbal per 15 USC 1802 with instructions of the following- ONLY : - Inquiries - previous address ( non-mailable ) - payment status - late payment - opened - reported - remarks - condition - original balance - last payment - status - creditor information - condition - status loan term. I hereby demand the immediate correction of these inaccuracies in accordance with the FCRA, on each of my consumer files with the three bureaus. IMPORTANT : I DO NOT WANT THE OUTCOME OF THIS LETTER TO HURT MY SCORE. 

The only current personal information I verify as accurate reporting is the following : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX CA XXXX Phone : XXXX Payment status, reporting and remarks for all accounts to be updated to paid as agreed/on time. 
Usage for all accounts to be updated to 0 %. 

The CFPB definition of Identity theft means a fraud committed or attempted using the identifying information of another person without authority. Information added to your report without your written consent could be considered Identity theft. I expect a prompt and thorough investigation into this matter, and I anticipate that the necessary corrections will be made without delay. 
Sincerely, XXXX XXXX
Product: Debt collection

I contacted the company in XXXXXXXX XXXX XXXXXXXX to cancel services. I was told I had to cancel in person. I went to cancel in person and was told the service was canceled. In XX/XX/XXXX I received a notification saying I owed a debt for services after XX/XX/XXXX. I went again on XX/XX/XXXX and requested a cancellation and received documentation of the cancellation. On XX/XX/XXXX I received mail saying I owed for services and was continually billed for services since XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying too talk with Experian over and over again and I'm getting no where at all with them, They have never honored any of my disputes, and I'm paying {$19.00} and I'm paying for the three credit monitoring reports Experian can never get my XXXX and XXXX credit report  correct and I'm paying them too get my credit report correct Iv'e sent them five copies of my XXXX  XXXX  and my XXXX and my XXXX XXXX payments and can't Boost Up My XXXX XXXX XXXX XXXX XXXX bills and There App is never working correctly ( Correctly..!!! ) Iv'e sent them a dispute letter on XX/XX/2020 by certified mail and they claim that they have not received it yet and won't be doing a investigation on my dispute and I'm faithfully paying them, I want all of my 11 closed accounts deleted erased with-prejudiced, I want my Boosts Boosted up or my money back. I want my inquiries also deleted erased with-prejudiced..
Product: Debt collection

I've sent Two letters to Experian requesting verification that this paid collection for XXXX XXXX {$0.00} - - -No Data belongs to me with written proof and verification. 
First letter was sent on XX/XX/year> and the 2nd letter was sent on XX/XX/year>. They have failed to send me proof and or failed to delete it off my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been requesting validation and verification from Lexis Nexis in regards to Bankruptcy # XXXX that is being reported to all three major credit bureaus such as XXXX XXXX XXXX  as well as other agencies. I have been trying to obtain this information from Lexis Nexis for several years now and they keep coming back telling me the information has been verified but they are refusing to inform me of the sources they used to verify such information. On XX/XX/XXXX, I requested that Lexis Nexis send me copies of the documents that they have on file that was used to verify the accuracy of said bankruptcy # XXXX. They responded by sending me a copy of " lexis Nexis credit report '' saying verified. I spoke with someone in XXXX of XXXX and I was advised that the bankruptcy was verified through the bankruptcy court. On XX/XX/XXXX, I reached out to the XXXX  system to find out their procedures of validating bankruptcies to credit bureaus and was advised they don't do that. On XX/XX/XXXX, I received a letter from the US bankruptcy court stating they do not report any information to the credit reporting agencies. On XX/XX/XXXX, I reached out to Lexis Nexis yet again in writing concerned about the validity and accuracy of their reporting such information on my credit report. Lexis Nexis responds in writing telling me they submitted my dispute to the XXXX credit bureaus. That is not what I requested from them. Lexis Nexis is in violation of section 609 and 611 due  to not conducting a proper investigation and not correcting inaccurate information. On XX/XX/XXXX I called Lexis Nexis to check on the status of my request and I was told my request was submitted incorrectly and I would be hearing back from them soon. Later that day, XXXX to be exact, Supervisor XXXX Id # XXXX called me and told me that this bankruptcy was verified by the court. She could not provide me any other information. I explained to her that this company is violating the law and because of this they have no right to report such information on me. I also advised if they couldn't provide me with the requested information then they need to remove this reporting within XXXX hours. XXXX was supposed to follow up with me on XX/XX/XXXX, and I have not heard back from her. Lexis Nexis has proven their inability to furnish legal verification but yet still continues to tarnish my character. I demand that they removed this negatived listing from ALL CREDIT REPORTING AGENCIES IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my ANOTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$250.00} XXXX XXXX XXXX Balance : {$2700.00}
Product: Credit card

The thing I regret the most is handling Citibank business. This company has a very poor reputation. The company is in chaos and the system information is out of sync. When I applied for a credit card half a year ago, the credit card was stolen before I even got it. I went to the store to provide feedback, but they didn't handle it and asked me to call myself. So I spent a day queuing up to make an appointment and got through the phone. They informed me that more than XXXX XXXX dollars had been stolen and I had reported it a total of 3 times until now. They haven't refunded my money for nearly XXXX  months. Because of this, the credit card with a limit of XXXX has been highly used for half a year, resulting in a credit score of more than XXXX. They have never processed it for half a year. It's ridiculous. No, it's not a formal company at all.
Product: Checking or savings account

XX/XX/XXXXXXXX XXXX XXXX XXXX : I deposited a check for {$2500.00} issued by XXXX XXXX XXXX through the Chase app. 

XX/XX/XXXX : Chase restricted my account and sent an email stating that my account would soon be closed. 
Around XXXXXXXX XXXX, I called Chase to inquire why my account was restricted. Chase informed me that the check was under suspicion and needed to be verified to determine if it was fraudulent. They requested the " company 's phone number '' that issued the check, and I provided the phone number of the company 's president. 

XX/XX/XXXX : Chase deducted {$12.00} as a monthly fee and then reduced my account balance to {$0.00} under the description " debit DDA-check charge, '' leaving {$2500.00} missing. 

XX/XX/XXXX, XXXX : I called Chase to ask why my balance had become {$0.00} and inquired about the " debit DDA-check charge. '' Chase stated that they suspected the check was fraudulent and requested the " verified phone number '' of the company to resolve the issue. 

XX/XX/XXXX : As shown in the attached photo, my account was closed. Around XXXX XXXX, I called Chase to ask why my account was closed. They reiterated that the check was still under suspicion and that they needed a " verified phone number '' to resolve the issue. 

XX/XX/XXXX : I asked the company president for the " verified phone number '' and received a different number from the one I had initially provided to Chase. I then called Chase and provided this new number. However, Chase stated that this was also not the verified phone number they required. 

Chase informed me that without the verified phone number, they would not release the {$2500.00}.
Product: Vehicle loan or lease

I went to XXXX XXXX in XXXX XXXX Florida with a pre approved loan through XXXX XXXX. The dealership insisted i give them my social security number to see if i could get a lower rate through any of their financial providers. XXXX found a couple of banks and gave me my options and proceeded to tell me why a credit union would be a great choice for my financial future and went into more detail about why this credit union would be helpful. She gave me a paper that said congratulations on approval with XXXX XXXX XXXX and i left the facility under the impression that that is who i finances with. She told me to expect my bank information from them within 2 weeks or so. 2 weeks had passed and i had not received any information so i called the dealership back to see what was going on. A new accountant by the name of XXXX told me that XXXX was on medical leave and that my financial institution was Ally financial. I told him that is not what XXXX and i discussed or agreed to and he told me that XXXX XXXX XXXX declined me so they had to pick another institution to put me in. I told him they cant change the financial institution without my consent and he said that they could. After further conversation he said he would get XXXX, their general sales manager to call me to let me know my options. 

XXXX sent me an email apologizing for XXXX mistake and said she was highly convinced that i would get approved with XXXX XXXX XXXX and thats why she told me i was banking with them. He also said it would be at the same rate and monthly payment. I responded to him that its unacceptable to have a person in the finance department giving confirmations to buyers off of being highly convinced. I also explained to him i had no intention on financing with them since i had already been pre approved with my own personal bank at chase but since they insisted i run my credit with them that is what i did. I also told him i wanted to get switched back to chase bank. Overall i was upset at how they handled the situation and their customer service. 

XXXX called me a few days after i sent him my email and told me it would be too late for them to switch over financial institutions and that i would have to apply for a refinancing with my bank and that was my only option. He also said he had a friend that works for XXXX that he would see if they could help me out. 

I havent heard back from him, but i did call chase and apply for refinancing in which they said that i was declined since it would not be through the dealership and they were not willing to take on full liability. 

Im not sure what the end result will be but I do know that at this moment I am now stuck with Ally financial who Ive read is a terrible financial institution to bank with.
Product: Credit reporting, credit repair services, or other personal consumer reports

File # XXXX I am no longer responsible for this account yet it still appears on my XXXX credit report. It has been removed from XXXX but not XXXX.
Product: Bank account or service

I recently had a reoccurring transaction put my bank account in the negative by {$4.00}. I was going to attempt to deposit cash in an ATM after work to rectify this. However, by the end of the evening, XXXX transactions from the two days prior had cleared and I was charged overdraft fees for both. Now I was at negative {$74.00}. My bank then cleared the rest of my transactions by the following morning, for a total of {$280.00} in fees. I called and explained that there was funds when those previous transactions went through but my bank claims I had been negative for several days. This would not have been the case if it were n't for their fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion refuses to address or adhere to the law. You had 30 days. Your 30 days are up. You did not investigate. You do not get to investigate now.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting wrong name and incorrect address, also incorrect employment
Product: Credit reporting or other personal consumer reports

The inquiries should not be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX
Product: Debt collection

Properly remit enclosed 1099c form by completing and providing me with a copy so I can properly complete my taxes because all cancellations of debt have to be placed on a 1040 tax form. Additionally, please provide copy and documentation that the 1099c has been transferred over to the treasury. Provide all documentary evidence from the public and private side from the GAAP per the GAAP accounting principles generally accepted in the USA.
Product: Credit reporting or other personal consumer reports

After several attempts of contacting the credit bureaus and synchrony XXXX  XXXX  Lowe 's to add the account to my credit profiles the account was never added to my XXXX XXXX or XXXX. The account number is XXXX.
Product: Credit card

I am XXXX XXXX XXXX XXXX holding a Bank of America Credit Card ending with XXXX. My Credit Card statement is generated on XXXX of every month. I had Zero APR on this credit card and it expired on XX/XX/year>. 

On the same day ( XX/XX/year> ), my Credit Card Bill was generated for an amount of {$900.00} with a due date of XX/XX/year>. I paid total amount due on XX/XX/year>. I was under impression that, there won't be any interest charges as I paid the full amount due before due date. However, Bank of America charged me {$35.00} interest in the latest statement that was generated on XX/XX/year>. 

I am under strong belief that, these charges shouldn't levied as the statement generated same day when Promo APR expired and it came with a due date. I paid total amount due before due date. I believe, there shouldn't be any charges for the grace period between statement generation date to due date.
Product: Credit reporting or other personal consumer reports

Complaint Re : Experian : Credit Freeze difficulty Dear Sir or Madam : On the advice of our financial advisor I yesterday went on-line to request a credit freeze. When I went to the Experian site I found that I first had to establish an account with them. In doing so I was confronted with this message : " By clicking " Submit and Continue '' : I accept and agree to your Terms of Use Agreement, as well as acknowledge receipt of your Privacy Policy. '' 1. I downloaded their Terms of Use Agreement. It is 50 pages long! That is 25,761 words of deep legalese! No one can reasonably be expected to accept and agree to such a document without a legal team and a week or so to understand and evaluate it. I, of course, will not blindly agree to these terms. 

2. Their Privacy Policy is only 8 pages long, but it includes many details that I find quite unacceptable.

Recent legislation requires credit reporting companies to provide free credit freezes on request.

By requiring me to open an account and agree to such preposterous terms Experian is blatantly trying to avoid their legal responsibility, as well as showing utter contempt for my privacy.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act FCRA to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau CFPB has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed CFPB has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.