23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

About six months ago, I submitted a complaint regarding my Bank of America credit card ( submission number XXXX ). With your help, I was able to resolve the issue within a few weeks ( thank you ). Now, I am in the process of buying a house and my rate is being negatively impacted because Bank of America is saying I had an overdue payment with them. I resolved this issue - I think it it wrong that I am now being penalized for standing up to Bank of America when they had improperly charged me.
Product: Credit reporting or other personal consumer reports

Failure to delete multiple accounts unauthorized fraudulent inaccurate phone numbers addresses never lived at employers incorrectly previously filed fraud with irs improper use of Credit for Credit cards and car loans inquires placed on credit report for fraud accounts XXXX XXXX XXXX XXXX XXXX XXXXXXXX etc report filed for XXXX XXXX and equifax incorrect reporting
Product: Debt collection

I lived in an apartment back in XXXX and moved out after lease ended per my agreement. I was never contacted about any additional money owed until one day I went thru my mail and found a letter from some unknown debt collecting agency in XXXX. I looked at the letter and called my previous landlord who refused to give me any information and directed me to a collector instead. I had no knowledge or contract with this company because they ask for a social and I'm not doing any business with them I will not provide. Then one day the collection agency put the debt on my credit and said I owed this money as of XXXX XXXX. I wanted to know how when I've been living in the same place for almost 2 years already and no one let me know anything else was owed!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act.The lists of accounts below have violated my federally protected consumer rights to privacy and confidentiality under law 15 USC 1681. 

XXXXDEPT OF ED : XXXX XXXX  XXXX : XXXX, XXXX  XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 c. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information.Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

On XX/XX/XXXX I used a Bank of America check that I believed to be a balance transfer check to pay off a XXXX credit card. On the check which I took a picture of I wrote balance transfer to be paid and then I wrote the full XXXX credit card number on the check. I walked into a XXXX branch and had them deposit the check as a balance transfer. I took a picture of the receipt and the check. Now, Bank of America is trying to say that they have different checks for different things such as convenience checks, balance transfer checks, access checks, and on and on. They are making it so confusing for people. I can understand if I had used that check and cash the money and gone to XXXX and gone and gambled or something, but I did quite the opposite. I used it as a balance transfer and Bank of America knows this information. All I want is for Bank of America to recode the check as a balance transfer so that instead of a variable rate of almost 23 % beginning XX/XX/XXXX, I will have a proper variable rate of 19 % beginning XX/XX/XXXX as a balance transfer would. I have supporting evidence if needed. I also spoke to XXXX on XX/XX/XXXX in The client solutions department and he told me that they would recode the check as a balance transfer check after being on hold for over an hour. Then suddenly two days later, XXXX from another department told me that they were not going to recode it and the only thing she could do was submit an appeal and I would hear back in XXXX hours. She said if the appeal was not in my favor that I would have no recourse. It is patently unfair for banks to make things so incredibly confusing with all these different checks that do not specify the terms on the check. I used the check as a balance transfer and a balance transfer is what I did and Bank of America knows this because they have the proof to back it up. I need this rectified please
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts/items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1700.00} XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX XXXX, XXXX and XXXX XXXX has cost me to lose 95 POINTS OFF MY CREDIT SCORES by publishing incorrect account balances and wrong status on my credit union visa account. Other bank credit cards that I paid in full with zero balances and I cancelled the credit cards are reappearing after disputing with balances again!
Product: Credit card

CapitalOne bank, very difficult to make a purchased. When something happened I need to call them and behaind line with angry-cashier. Omg they request documents drivers license and proof of residency. Do not open credit with them
Product: Credit reporting or other personal consumer reports

Im a victim of data breach and the information is not accurate. The Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act protect consumers from inaccurate or incomplete information on their credit reports. These laws give consumers the right to dispute inaccurate information and request that it be removed. Im requesting for it to be removed in five business days
Product: Credit reporting, credit repair services, or other personal consumer reports

Lendmark is reporting the payment status as 30 days late with XXXX and XXXX. The account was paid in 2019. I disputed the account through the credit bureaus and directly with the local office. The company has not changed the information. The company verified the information as accurate.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX  PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX Balance : {$8300.00} XXXX XXXX Balance : {$0.00} EQUIFAXXXXX XXXXXXXX XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX Customer Service, I hope this message finds you well. I am writing to address a critical issue regarding my account, XXXX, and to urgently request the removal of an erroneous 30-day late payment status from my credit report. 

On XX/XX/year>, I made a payment of {$560.00} towards my account. Despite my diligent efforts to ensure timely payments, I was recently informed that a 30-day late payment has been recorded on my credit report. This information is not only distressing but also incorrect, as I have consistently met my financial obligations. 
As a responsible and proactive customer, I meticulously monitor my account activity and ensure all payments are made promptly. The erroneous late payment status on my account is not a reflection of my payment history and commitment to maintaining a good standing with XXXX XXXX. 

I strongly believe this error could have resulted from a processing delay or a technical glitch on your end. I kindly request that you conduct a thorough investigation into this matter and rectify the error by removing the 30-day late payment status from my credit report immediately. This negative mark is unjustly affecting my credit score and overall financial health. 

Furthermore, I trust XXXX XXXX values its customers and their financial well-being. In light of this situation, I urge you to take swift and corrective action to prevent any further inconvenience. Attached are the relevant documents, including proof of payment and correspondence records, to assist in your investigation. 
Please confirm receipt of this letter and provide a timeline for the resolution of this issue. I look forward to your prompt response and the removal of the incorrect late payment status. 

Thank you for your immediate attention to this matter. I appreciate your cooperation and understanding. 

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

Ive tried reaching out by phone and no one answers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander Consumer USA is America 's largest sub prime car loan company, who has been challenged in court by the attorney generals office. Per a lawsuit by 34 states including Florida, Santander was found and has since admitted to wrongful unethical practices that led consumers like me, into loans that were purposely granted for the sole purpose of financial entrapment. thus, leading to early payment defaults. I have been notified by Florida attorney generals office that my loan is subject to receive a deficiency waiver due to their findings in my my case, as well as an additional monetary settlement. I have reached out to SCUSA over 47 times, and to no avail, I have ad few representative that have tried to help me to the best of their ability, but have gotten nowhere. I have reached out to 4 major credit bureaus, I have disputed this particular account numerous time with each CRA, my reasoning was inaccurate information and account was in litigation and was found to be in the favor of the consumer ( myself ). I included copies of both complaint/ judgement and proof of my claim in the settlement. under the settlement Santander was ordered to do balance waivers to those who had defaulted with in the first 12 months, I first defaulted in XXXX of XXXX, less then 6 months of purchasing the vehicle. Santander continued their deceit in masking when my original default was by stating it was in XXXX of XXXX, when in fact it was in XXXX of XXXX, and continued to default 13 times after. there are several in accuracies as I have stated before, the judicial orders aren't being followed and santander 's blatant carelessness to follow court orders and FCC regulations is unethical. I have attached all the lawsuit, claimant correspondence forms and CRA documentation and unique claimant form from the Florida Attorney Generals Office as evidence. 


account number XXXX XXXX XXXX XXXX XXXX ssn
Product: Credit reporting or other personal consumer reports

I financed my vehicle on XX/XX/XXXX. My vehicle was repossessed in XXXX of XXXX. Santander Consumer USA continues to report false information about this account to the credit reporting agencies. I have asked all three agencies to verify that the information being reported to them was complete and accurate. Their response of XX/XX/XXXX was that the information provided by Santander was verified as accurate. Santander claims that the date of my last payment was XX/XX/XXXX, which is inaccurate because my vehicle had been repossessed by them a year prior. They also claim that I have a past due balance of {$7600.00}, which is inaccurate because the vehicle was repossessed and shows as a charge off on my report. The XXXX monthly payments I missed in no way equal that amount. They claim that I made a payment in XXXX and XXXX of XXXX for the same amount, {$1700.00}, yet my balance never decreased in XX/XX/XXXX. 
I understand that Santander has had a class action lawsuit against them for this very behavior, yet they still persist to report incorrect information to the credit reporting agencies.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXXXXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/XXXX to XX/XX/XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I lost my wallet and my identity was stolen and these cars were obtained fraudulently.I have reached out to these companies and they none compliant so XXXX reaching out for more assistance in resolving this matter thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have accounts on my credit report that have been paid and the company agreed to remove them off my report but they still appear on the report. I have notified the credit reporting agencies and they are still on my report.
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. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX and list of Inquiries. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX  XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfers

I wired money from my Citibank account in the XXXX to my XXXX account with a XXXX Bank in XXXX. 

After I made my wire transfer online and get the confirmation number, I was called XXXX times from Citibank to verify my identification. After all these XXXX calls, I was told that I had answered all their security questions and the wire transfer would go through soon and I just needed to wait here. 

Then I was called again by Citibank ( the lady actually hanged up on me ) that my online wire transfer can not get through, and I need to fly to another city ( XXXX ) with Citibank branch to get my own money back as there is no Citibank branch in XXXX. People refused to answer why I was treated like this this time as it never happened to all my previous online international wire transfers ; and they refused to answer what policy caused clients to go to another city to get their own money back. 

This transfer is from me to myself, the sender and the receiver are the same person and I have answered all their security questions, XXXX times. 

I believe it is not reasonable to treat clients like this, and the service people are very rude
Product: Money transfer, virtual currency, or money service

On XXXX XXXX I made {$30.00} XXXX wire transfer to my dollar account in XXXX. I asked for dollars to be send. Despite all assurances that dollars will be sent the bank officer who was the branch manager by away, converted the dollars into XXXX currency charging XXXX XXXX  conversion fee and sent XXXX currency to XXXX. 
As a result instead of receiving XXXX dollars less {$25.00} fee by XXXX bank which is {$29.00} XXXX I received XXXX XXXX which is XXXX loss. 
During the transaction I noticed exchange rates on the receipt and I thought they not supposed to be there because this is XXXX XXXX dollar transaction .I asked the officer why they are there. She said " Oh dont worry about that. I 'm sending dollars .That is there only for information ''. As I later found out that was the exchange rate of the transaction because she was sending XXXX not dollars besides all assurances .And that was the branch manager of TD Bank XXXX XXXX XXXX XXXX in XXXX NJ XXXX XXXX XXXX XXXX 
She lied causing {$1800.00} loss on mu side. 
I made similar transaction in XXXX XXXX for XXXX XXXX dollars that was done correctly. 
The same banks, the same accounts.The one done in XXXX was XXXX XXXX dollar transaction, no exchange rates on the receipts, no mention about XXXX XXXX. 
I spoke to TD Bank customer service also XXXXThey said " they sorry, they understand, they can not help. '' that " I should go to another bank and ask. '' They happy with stolen XXXX dollars I think.They do not intend to fix the unauthorised money conversion.They do n't even admit to wrongdoing even thou I have the proof an a paper. They 're thieves.And fact that this was done by a branch manager, that is just disgrace.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I submitted a ftc report and dispute to XXXX, transunion, XXXX stating that I need to get this removed an alleged account from my consumer report. I have not received a response nor has national credit system complied with my request. this is a violation of 15 U.S Code 1681i ( 6 ) ( A ) and 15 U.S. Code 1681i ( a ) ( 1 )
Product: Credit card or prepaid card

tried of this bank closing accts in good standing b, lower limit limit they did it on care credit XXXX XXXX and XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns with Zelles handing of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times, and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that covering lost funds were impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

I am deeply disturbed by your ability to undermine my confidence in the banking system. The banking system is dependent upon fair and accurate consumer reporting, pursuant to 15USC1681 ( a ) ( 1 ). I noticed accounts that are on my consumer report ; List Accounts and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$260000.00} Pursuant to 15 USC 1681b, I am demanding to see in writing where I gave written instruction or permission to report this erroneous information on my Consumer Report.

A consumer reporting agency may furnish a consumer report under the following circumstances and no other with the written instruction to whom it relates.

When did I give Experian written permission to furnish this account on my consumer report when i was never notified or attended any court meeting? My social security number was used to furnish this account without my written permission on my consumer report. That is the definition of identity theft.

15 USC 1681Q Obtaining information, Under false pretenses. Any person ( PERSON- definition ) - Any individual, partnership, corporation, trust, estate, cooperative association , government or governmental subdivision or agency of entity.

That is the definition of IDENTITY THEFT.

15 USC 1681C 2- Block of information resulting from identity theft EXCEPT or otherwise provided in this section A consumer reporting agency SHALL BLOCK the reporting of any information in the file of a consumer that the consumer identifies information that resulted from an alleged identity, not later than 4 business days after the date of the receipt by such agency