23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

XXXX With my Home Depot credit card account ( managed by Home Depot Credit Services and Citi Retail Services ), Ive paid my bill ( on time, every month ) using my debit card on file with Home Depot Credit Services. Recently, though, I accidentally left my debit card in my banks ( XXXXXXXX  ) ATM machine, and XXXX replaced my card with a different account number for security purposes, advising that I provide my new debit card information to all payees ( businesses and entities that I pay on a regular basis using debit card ). 
However, Home Depot Credit Services website will not allow me add my new ( replacement ) debit card ( after multiple attempts ). Instead, after clicking on Add Payment Source, the website only allows providing information about my checking account ( account number, XXXX routing number, etc. ). The first of these ( two ) options requires my consent to share my banking information with a variety of third party entities ; the second option ( labeled as Manually add your information may take 3 business days ) involves providing the same private bank account information, but ( apparently ) not sharing my bank account info. with multiple third parties. Where is the option to add my replacement debit card, without sharing details of my personal bank account? 
On Friday ( XX/XX/23 ), after many unsuccessful attempts to add my new debit card ( via Home Depot Credit Services ( HDCS ) ), I called HDCS and first spoke with representative XXXX ( who provided her ID as XXXX ). She was friendly, professional, and agreed that I should be able to add my new debit card without a problem ; but, she was unable to tell me exactly how. So, I asked for a manager ; XXXX then transferred me to XXXX, who said her ID is XXXX and indicated she is in Tennessee. XXXX also agreed I should be able to add my debit card ( as a payment source via the HDCS website ), but also could not tell me how to do this. As a manager, her lack of knowledge about this basic function somewhat surprised me. She then asked if I would provide her with my debit card number, security code, & expiration date, and she said I can try to add it. I hesitated, then said Id prefer not to, and would much prefer that she tell me how to do it. She was unable to, and seemed to then blame me for not wanting to share this information, and said Id have to pay cash at a Home Depot store to pay my bill.

Home Depot Credit Services and Citi Retail Services charge a very high interest rate on outstanding balances, thus benefit financially when many customers ( for whatever reason ) are delayed in paying bills. By forcing me ( and presumably many other customers ) from conveniently paying my bill on time making it necessary for me to go to a Home Depot store, wait in line for a representative, have the representative complete paperwork for a bill payment and provide me with a receipt is a huge drain on my time ( and that of many other similarly-inconvenienced HDCS customers ). It is completely unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im reporting that I have proof of illegally reporting inaccurate information about me.with the following collection past due dates and balances of the amounts. This is a violation of FCRA and I have a right to a completely accurate credit report and if not true I would appreciate it it if you PLEASE IMMEDIATELY REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT XXXX XXXX XXXX TransUnion reporting open XXXX closed XXXX closed ( incorrect delete item by law ) XXXX XXXX XXXX TransUnion reporting closed XXXX closed XXXX open ( incorrect delete item by law ) XXXX XXXX TransUnion date incorrect XXXX  date wrong XXXX I date incorrect These are effecting my life by not being reported correct all I ask for is to be DELETED AND REMOVED FROM MY CREDIT REPORT THANK YOU
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Unauthorized Credit Inquiries on My XXXX Report Dear CFPB, I am writing to file a complaint regarding multiple unauthorized and outdated inquiries that are appearing on my XXXX credit report. These inquiries were made without my consent and continue to negatively impact my credit profile. Below are the details : Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX ( Miscellaneous Reporting Agencies ) XXXX. XXXX XXXX XXXXXXXXs Inquiry on XX/XX/XXXX ( Miscellaneous Reporting Agencies ) XXXX. XXXX XXXX on XX/XX/XXXX ( Miscellaneous Reporting Agencies ) XXXX. XXXX XXXX XXXX on XX/XX/XXXX ( XXXX XXXX ) XXXX. Additional inquiries dating back to XX/XX/XXXX and earlier, including XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and others, which I did not authorize. 



Issues : 1. I did not provide consent for the above-listed companies to perform hard inquiries on my credit report. This is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), which states that consumer consent is required before any hard credit inquiry is conducted.

2. Some of these inquiries are outdated and should no longer be reported. Under the FCRA, hard inquiries should automatically drop off my credit report after two years. However, old inquiries remain on my report despite this timeframe. 



Actions Taken : I contacted the companies involved to dispute these inquiries but received no satisfactory resolution. 

I also disputed these inquiries directly with XXXX ; however, they have not been removed or properly investigated. 


Request : XXXX. I am requesting an immediate investigation into these unauthorized inquiries and their removal from my XXXX credit report. 


XXXX. I also request that XXXX be held accountable for failing to ensure accurate reporting under the FCRA, specifically Sections 604 ( a ) ( 2 ) and 604 ( c ), which govern permissible purposes for obtaining consumer reports. 



These inquiries are unfairly damaging my credit score and financial reputation. I respectfully ask the CFPB to intervene and ensure that my rights as a consumer are upheld. 

Thank you for your assistance.
Product: Debt collection

I am not responsible for this debt. I have never received any correspondence in regards to this debt and I need it removed from credit report because it is negatively affecting my credit score. This needs to be removed from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX XXXX {$9100.00} XX/XX/2016
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 XXXX XXXX XXXX I have called and wrote this company in reference to the above inquiry in which I did not submit for them to verify the inquiry, but nothing has been done in reference to reporting accurate information to the credit bureau. I am a victim of identity theft and I am requesting that this inquiry be deleted as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX mortgage company inaccurately reported a 90 day late payment on our mortgage. I have called them countless times to have it removed. Now we are trying to qualify for a new home loan, and we cant qualify because this is still on our credit report. The loan number is XXXX.
Product: Credit reporting or other personal consumer reports

Original creditor was XXXX XXXX. Information was on XXXX XXXX XXXX credit file. XXXX XXXX disputed the XXXX XXXX account on XXXX credit file. XXXX XXXX was unable to provide the supporting information required to support debt on why it was place on the credit report. XXXX removed XXXX XXXX claim from credit file in the amount of {$1900.00} due to insufficient information. 

A month later XXXX XXXX then sells the account to I.C. Systems INC on XX/XX/2025. I.C. Systems then reports to credit file in the amount of {$1900.00}
Product: Debt collection

I have a previous complaint against this company that is now closed. XXXX. After my last complaint, the company closed both accounts and removed the negative marks form all 3 credit bureau 's. Last week both accounts reappeared on my XXXX  credit report. The amounts are {$120.00}, and {$640.00} for XXXX XXXX.
Product: Credit card or prepaid card

On XX/XX/2018 I received a letter from Bank of America XXXX XXXX XXXX XXXX XXXX TX XXXX asking for additional information regarding a charge I disputed in XX/XX/2018. The letter required a respond back by XX/XX/XXXX via mail or fax. On XX/XX/2018, I called Bank of America stating I received their letter in the mail on the evening of XX/XX/2018, the day after they required a written response. The rep noted this in the file and said respond as soon as you can. I faxed my response on XX/XX/2018. I received a letter from Bank of America stating my dispute/claim was denied because I responded after XX/XX/XXXX. This seems illegal and a violation of my right to adequately dispute the charge of {$1700.00}. My card account ending : XXXX. Bank of America Case Number XXXX.
Product: Checking or savings account

Today I contacted support and they actually helped out rather quickly, despite, the multiple screenshots I had to send, for them to believe it was my account. Please have my bank  NYBC au thorize for you to receive updates from the account. I really like the lighting speed money function works well and like that the money was debited on the same exact day I got paid. Not much of a compliant I guess but I just want my bank to know to please give updates to  XXXX . Nice app they have so far. Thank you.
Product: Credit reporting or other personal consumer reports

I have spoken to XXXX customer representatives multiple times throughout the year XXXX after discovering a significant erroneous student loan charge of {$150000.00} on my credit report. Upon my realization, I promptly reached out to XXXX. They informed me that they did not have a record of a {$150000.00} charge and that my actual balance was {$170000.00}. However, my credit report reflects a student loan debt of over {$350000.00}, which is fraudulent and inaccurate. This error has severely affected my credit score, leading to numerous rejections in various credit-related applications as a result of this substantial discrepancy.
Product: Money transfer, virtual currency, or money service

I believe that closing my PayPal account was a mistake. Since 2021, I've been using my PayPal account for my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My PayPal account, XXXX, has funds in it that I need to withdraw as soon as possible for emergency purposes. And I'm hoping to regain access to my account and withdraw my funds. Thank you, and God bless you.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have contacted all 3 credit bureaus as well as XXXX XXXX XXXX 7 times challenging the accurate, compliant, and factual reporting of an account that is showing on my credit report. each time it comes back verified as accurate ... .what type of investigation are these companies doing when there are so many violations and inconsistencies in the reporting between the 3 bureaus? there is no way they are conducting a proper investigation as required by law ... .i have attached a copy of the credit reporting with the errors i see,,,,, this account has been re aged which is a violation, equifax is reporting it as open and XXXX  and XXXX are reporting it as a collection... equifax is also reporting this 120 days late and a collection thats double dipping, equifax is reporting a past due balance on a " collection '' ... .look at the 2 year history it is not uniform across the board which it should be ... there are so many violations
Product: Checking or savings account

I made an electronic transfer of {$100000.00} from my XXXX XXXX XXXX  Savings account to my Capital One Bank Account. The deposit cleared, but I was told by Capital One that there is a hold on my account and I am unable to access my funds. I was not given an explanation for the hold ( other than being told it is under investigation by their internal fraud department and they say they could keep the hold in place " as long as they want. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed several accounts on my Equifax report back on XXXX and XX/XX/2019. I received my credit report on XX/XX/2019 stating that the items was deleted but they was not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called to have information to be removed that is inaccurate. I have called to have information to be removed that is inaccurate on my report and Bank of America said they couldn't even find the account. 

This particular one is 6 years old.The account is with Bank of America- and they have been reporting it to the credit bureau XXXX as if it were open. 

The account it closed - They are saying the account is passed due and this is incorrect as this account has been closed for 6 years. 

XXXX reported it on XX/XX/2021 as Pays Account as Agreed with 90 day past due. 

How can I still be 90 days past due when the account says pays as agreed?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion should not be reporting each inquiry listed as a separate line item on my credit report. ( Please see page attached for reference. ) These multiple inquiries are well within the 45 plus day shopping window that is typically allowed to check different lenders and find the best loans. Each of these inquiries are of like kind. They are not separate, individual entities. These inquiries should not have negatively impacted my credit score. Please remove these inquiries from my report. This reporting of multiple inquiries is seriously harming my credit score and these line items need to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on my credit report. I have contacted the bureaus to fix this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I did not authorize nor applied credit for : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE THIS FRAUDULENT INQUIRIES FROM MY CREDIT REPORT AS SOON AS POSSIBLE.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX account number # XXXX has violated my rights.

15 U.S.C 1681 section 602 A states that i have the right to privacy 15 U.S.C. 1681 section 602 2 : it also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Money transfer, virtual currency, or money service

I can not transfer my cryptocurrency BTC from my Coinbase vault  into my Coinbase wallet. I have {$430.00} USD worth of Bitcoin that  is in my Coinbase vault which needs to be withdrawn to my Coinbase wallet to access. I tried withdrawing but there is an issue with the withdrawal because I need to verify it from two of my emails ( my personal emails, one primary and another secondary that I had entered when I created my account ) to do so. 

Coinbase sent me a confirmation to both of these emails which each included a link to approve the withdrawal, and i was able to successfully verify it from my primary because after, I was directed back to Coinbase and a green check was marked on that email address under the withdrawal transaction. 

I then logged into my secondary email and followed the same steps, however after clicking on the link, a notification popped out from Coinbase which stated THE ACTION WAS ALREADY PERFORMED. Yet upon checking my Coinbase account and the withdrawal transaction, there was NO green check mark next to my secondary email address which meant that my approval from it was still pending. 

I then tried to do it again , ave even tried canceling the transaction altogether to create another withdrawal yet the outcome was all the same. NO green check mark next to the secondary, and no approval. 

I then did research online to see if any other Coinbase users have had the same problem, and found that there are MANY users who have encountered the same issue. However, Coinbase has not solved the problem after contact with support, and they still can not access the funds that are stuck in their Coinbase vaults. A few have even been waiting months which I found to be alarming, because the withdrawal process is stated to take no longer than 3 days. 

This is theft because Coinbase will not release the funds which are rightfully mine, due to their verification problems and technical issues. Please help.
Product: Credit card

On XX/XX/year> I received a call from Wells Fargo fraudulent dept saying they think I had fraudulent charges on my card. He had all my account numbers and card numbers so I didnt question the call as I have just recently been a victim of fraud from Wells Fargo . Unfortunately the caller was a scammer and proceeded to transfer {$9800.00} cash advance from my card. I didnt not give them any information or permission to do so and Wells Fargo said Im responsible for this astronomical charge. How was this scammer able to make such a huge charge without any red flags or communication with me AT ALL especially after my recent hack. I find the bank at fault for this.
Product: Vehicle loan or lease

I have been leasing a car since XX/XX/XXXX. Purchased from XXXX in XXXX XXXX, CT, leasing company is XXXX XXXX out of XXXX XXXX but my payments go to Brite Financial in Michigan. Part of my lease payments include my XXXX of XXXX property taxes. I found out in XXXX that the leasing company that receives the tax bill from XXXX has not been paying my property taxes since XX/XX/XXXX. They owe the taxes that were due on XX/XX/XXXX and on XX/XX/XXXX for a total amount of {$290.00}. I have  been calling Brite Financial weekly since XX/XX/XXXX to get this resolved and nothing has happened. My auto registration expires on XX/XX/XXXX and the CT Dept of Motor Vehicles wo n't let me renew my auto registration until the leasing company pays ALL of the delinquent taxes they owe on every vehicle they lease in CT. How is this fair to me who pays their taxes every week as part of my weekly lease payment? I ca n't get any resolution on this and if I ca n't renew my registration, I can not work and will become homeless. I know it 's a long shot but can you assist in anyway? Also, they have been overcharging me the tax portion of my lease payment and I have overpaid {$1400.00} to them in taxes and they wo n't refund it to me either.
Product: Credit reporting, credit repair services, or other personal consumer reports

Self lender reported my account delinquent during COVID-19 shut down leading to my XXXX XXXX loan being denied for credit. My score was decreased by 46 points. I called to request a good faith delinquent removal and they refused. My situation was explained in detail, I had no history of late payments prior to COVID-19.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been writing letters to this company for more than two years. I 've made several request for this company to investigate, re-investigate, requested copies of their INVESTIGATION PROCEDURES, including but not limited to how they did their investigation and copies of documents used in their investigation to determine the accuracy and validity of each account information they reported. I questioned how they STORE FILES as FCRA clearly stipulates that these FILES must be sent to consumers upon request and these files are to be stored by the bureaus whether physical or electronically. I also question why the agreement between the bureaus and Attorney General  XXXX   XXXX  are still not in place even though TWO YEARS has already passed.   Alll I received from this company is an obvious computer generated generic response letters. Nothing done by a real human. no files documents. Nothing at all.
Product: Credit reporting or other personal consumer reports

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

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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.