23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

on XX/XX/2016 i purchased a guitar and amp from guitar center using XXXX XXXX using an 18 month promo. one year later i purchased another guitar. for a 6 month promo. i never was late or missed a payment. i spoke to them when i was charged XXXX in interest. they said they deferred the payments all on the second purchase. so they charged me interest on the first one two. i had already paid interest on the first one so they charged me twice for interest. isnt this illegal to pay interest twice. they said there was nothing i could do. so on a used guitar that cost XXXX i got charged XXXX interest. and they were sorry. this company is so shady, greedy, and has such unethical business practices they need to be stopped. how can a company charge you interest twice. my XXXX yr. old son is so upset because he knows i already struggle financially on XXXX. he feels its his fault. i told him not all banks operate illigally. check out their practices you will be shocked at what they do to people.
Product: Credit card

Bank of America has a one star ratings from other consumers including the XXXX website and I relate as to why that is. I have contacted Bank of America Customer Service and Disputes/Fraud Department multiple times regarding some issues on my credit card. I have been unable to have those issues resolved therefore, I closed out my account. Since then, Bank of America is restricting me access to my account including, my unresolved charges. XXXX
Product: Mortgage

Entered into a forbearance with Arvest Central Mortgage. Was informed that so long as the payments were made before the end of the forbearance my credit would be fine. My account was good until XX/XX/XXXX. In XXXX I was called to discuss options and I informed the representative that we were selling our house and closing on XX/XX/XXXX. I said we would be taking the proceeds from the sale and paying off the loan. 
On XX/XX/XXXX, we closed and the loan was paid off. On XX/XX/XXXX I started receiving emails that my credit score went from excellent to poor. Upon checking, Arvest reported my account delinquent. Several calls and emails to Arvest confirmed that my account was improperly coded and that my account should have been reported as NOT being late or delinquent due to the forbearance. One agent said she could see in the computer that my account was not coded correctly. 
The last call I made, I was told there were over a hundred people in front of me and they would get to me when they got to me. I am trying to finance a car and my credit is ruined due to a glitch on their end.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. 
XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit card

They just increased the interest rate to an exorbitant amount, and now they want to charge {$1.00} per month to send out a paper bill! 
I have had numerous occasions where items that I have returned, have not been credited back to my account, so I like to hold the paper bill in my hand and look at it to see the charges! 
What about the people older than I am, that dont have a computer or use one?
Product: Mortgage

I honestly dont even know where to begin with these people. They were so incompetent and unhelpful through the process it made the whole experience a living nightmare for me and my family. They were not open or up front about anything, they changed what was expected so many times I lost count. Could not provide me any clear answers to any questions along the way, did want to do their job because they stated they werent getting paid enough. I didnt have even a single day where I can say it was a good experience. And if everything they did was even legal, Ill be shocked.
Product: Credit card or prepaid card

My XXXX debit card was lock and I'm trying to get it unlocked no customer attend to me
Product: Debt collection

XXXX-2020, {$18000.00}. This is not my Debt
Product: Money transfer, virtual currency, or money service

XX/XX/year>, I paid for something online with Paypal. This created charges in the amounts of {$XXXX} and {$XXXX}. For these charges, I selected a particular payment method : my Paypal credit card. However, despite my selection, the charges were made with a different payment method ( a XXXX card ). 
I contacted paypal about this via a phone call on XX/XX/year>, asking for a credit in the amount of XXXX  % of the transaction values ( which is the credit I would have received if the transactions had been charged with my Paypal credit card ). This phone call lasted over an hour and concluded in my being told that I could not be issued the credit that I was requesting.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the XXXXairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to the US Code laws, a charge off account must report a XXXX balance on credit reports. I checked my profile and came across so many discrepancies. I demand a full investigation on both accounts with original signed documents with proof of inquiries.If the credit bureaus can not provide accurate proof, I ask that accounts be removed immediately. 

Account info Account name XXXX XXXX Account number XXXX Account type XXXX XXXX Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, 045 past due as of XXXX XXXX. 
Status updated XX/XX/XXXX Balance {$1000.00} Balance updated XX/XX/XXXX Account info Account name XXXX XXXXXXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$2.00}, 121 written off. {$2.00}, 346 past due as of XXXX XXXX. 
Status updated XX/XX/XXXX Balance {$2300.00} Balance updated XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act, the list of below accounts had VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY : XXXXXXXX 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  LIST OF RIGHTS VIOLATED : 15 u.s.c 1681 section 602a states i have a right to privacy 15 u.s.c 1681 section 604 a section 2 states a consumer reporting agency can not furnish my information with my written instructions 15 u.s.c. 1681s-2 ( a ) ( 1 ) states 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 it is inaccurate :
Product: Checking or savings account

Your employees are not knowledgeable, they either provide me information or that just dont wan na do their job and its an ongoing issue that this bank demonstrates constantly. Theres a lot of incompetence coming from your employees. Hes just one more example.

I requested the 1099 for the business and personal accounts I had where I received a bonus, per your website your bank issues 1099 for that however, when I see my inquiry, XXXX from your customer advocate team contact me indicating that your bank does not which contradicts with your website after she pulled me over for several minutes. She said she needs to do a little more digging asked this rep to email me the influence instead of calling me because Im not always available on the phone. I work on the phones you reps dont have any considerations whatsoever of customers time, including this rep.

No need that by the time that is taking me to fix this issue and the length of time that your bank doesnt come up with the correct answers is outrageous.

Provide the following 1099 for both accounts personal and checking provide dates that both accounts closed exact dates, please And provide info on why you reps dont listen to customers why does the rep still chooses to call me instead of emailing me when I told her several times not to call me to email me instead she said she could email me so why hasnt she? 
If this info request is not provided on your response, I will make sure to send several other complaints and forward those complaint to the board of directors, including the CEO. I see how your bank previously dont address all issues. Discussed on previous complaints.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am filing a complaint regarding a creditors failure to update my credit report despite multiple requests. 

According to XXXX and a letter they sent me in XXXX, this creditor has not updated my credit report for over 120 days, from XX/XX/XXXX, to the first week of XX/XX/XXXX. I have made over XXXX requests to have my report updated. I have also disputed the balance and payment status of this credit card with XXXX, XXXX, and TransUnion, but their response has consistently been that the creditor has not provided any updates. 

Furthermore, the creditor has informed me multiple times that they had updated my account. However, when I checked my report on TransUnion, it shows that my account has been closed, which was never communicated to me by the creditor. This action has severely damaged my credit score, and I am unable to rectify it without the correct updates. 

Additionally, I have contacted the creditor multiple times, but they continue to provide false information. They have assured me on several occasions that they would update my records or submit an emergency report, yet no updates have been processed. 

This failure to update my account and the incorrect reporting of a closed account has negatively impacted my credit profile. I request an immediate investigation into this matter and appropriate action to ensure my report reflects accurate and up-to-date information. 

Thank you for your time and assistance. I look forward to your prompt response
Product: Debt collection

This debt is part of a litigation related to a car accident from several years ago. I spoke with the creditor the original agency as well as the other two credit reporting agencies and the charge was removed as it is in litigation and experian refuses to remove
Product: Mortgage

I have been victimized by the XXXX real estate crisis. Was given bad information pertaining to a re-fi loan application back in XXXX. Had perfect credit score until that point when I was instructed by advisors to miss at least 6 mortgage payments to become eligible. While following their directions my mortgage company began the foreclosure process. I had to scramble to maintain my home. Had to pay {$15000.00} to reestablish a 40 year mortgage at 7.75 % interest rate to keep from losing my home. Since XXXX, my guaranteed mortgage was converted into a none guaranteed mortgage causing me a problem getting any refinance consideration due to the fact it was now a none guaranteed mortgage. This process whereby my mortgage is bought and sold has occurred no less than a half dozen times. Most recently is occurring right now as my mortgage is being sold to Morgan Stanley LLC effective next month. I want to be able to refinance my mortgage at a reasonable rate but because the status of my mortgage has changed I am ineligible.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I requested a wire transfer from Coinbase ( XXXX ) back to my account at XXXX XXXX in the amount of {$10000.00} which was my limit to transfer per day I then made 3 additional wires after that in the amount of {$10000.00} each time for a total of {$40000.00} it is now XX/XX/XXXX I have not received any money to my account and the XXXX account indicates the transfer of funds is complete for all {$40000.00}!!! I have called customer support after an hour wait on the phone was told they would contact the mother company to expedite my wire transfer. I called again today and waited 35 min. and was told I need to wait for the the department handling wire transfers to contact me! This is unacceptable please let me know if you can help get my money out of this company!
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Experian. 


1. Company Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX XXXX XXXXnquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX XXXX XXXX  Inquiry Date : XXXX XXXX, XXXX -Unauthorized inquiry by Identity Theft 6. Company Name : XXXX XXXX XXXX Inquiry Date : XXXX XXXX, XXXX -Unauthorized inquiry by Identity Theft 7. Company Name : XXXX XXXX XXXX Inquiry Date : XXXX XXXX, XXXX -Unauthorized inquiry by Identity Theft 8. Company Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 9. Company Name : XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 10. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 11. Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft
Product: Debt collection

I recently examined my credit report and found several accounts that I believe are fraudulent and were added without my authorization.
Product: Debt collection

I am writing to formally dispute an account that appears on my credit report as fraudulent. I have recently reviewed my credit report and found an inaccurate collection account that does not belong to me. I did not open this account and I have no knowledge of this debt. The details of the fraudulent collection are as follows : Creditor/Collection Agency : XXXX XXXX  XXXX ONLINE INFORMATION SERV Account Number : XXXX Date of Report : XXXX XXXX I demand that XXXX XXXX XXXX/ ONLINE INFORMATION SERV be removed off my credit profile. I know that only 100 % information can be reported on my credit profile and that any inaccurate Information must be removed. These inquires has caused me to be denied credit and has caused me great financial harm because I can't obtain credit and was denied several loans due to this inaccurate information, they refuse to remove off my credit report. I am asking that the CFPB make this company abide by the FCRA rules and demand them to remove the inaccurate and false information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax & XXXX continue to report public record items their vendor XXXX is no longer reporting in blatant violation of the FCRA. Additionally, XXXX has maliciously thru deceptive practices hidden the identity of their public records vendor in an effort to harm consumers ( ( XXXX PUBLIC RECORD SETTLEMENT Case No. XXXX ( XXXX XXXX ) and Case No. XXXX ( XXXX XXXX ) United States District Court for the XXXX District of Virginia ) ) I am requesting CFPB investigates these matters ... 

Equifax PUBLIC FILINGS XXXX-XX/XX/XXXX XX/XX/XXXX XXXX-XX/XX/XXXX XX/XX/XXXX XXXX-XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  PUBLIC FILINGS US BKPT CT IL XXXX   XX/XX/XXXX US BKPT CT IL XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

TransUnions blatant disregard for federal law and consumer rights is completely unacceptable. I recently pulled my updated credit report, and despite my repeated disputes, TransUnion continues to report the unauthorized XXXX account ( Account # : XXXX ). This is beyond frustrating. How many times must I dispute the same fraudulent account before TransUnion finally does its job? XXXX already investigated and removed this account on XX/XX/year>, after confirming it was unauthorized and improperly reported without my consent. XXXX never reported it at all. So why is TransUnion the only bureau refusing to follow the law? Does TransUnion have its own set of rules? Why is it that XXXX and XXXX respect my rights, but TransUnion refuses to comply? This is not a minor mistakeit is a clear and willful violation of the FCRA. TransUnion is knowingly violating multiple provisions, including 15 USC 1681e ( b ) for failing to ensure maximum possible accuracy, 15 USC 1681b for reporting an account without a permissible purpose, 15 USC 1681i ( a ) for failing to conduct a reasonable reinvestigation, and 15 USC 1681c ( a ) ( 4 ) for continuing to report inaccurate and outdated information. If TransUnion were actually following the law, this fraudulent account would have been removed from my credit file a long time ago. Instead, TransUnion is knowingly allowing false and damaging information to remain, even after multiple disputes. This is not just negligencethis is willful noncompliance that directly harms my credit, my financial stability, and my personal reputation. Every day this fraudulent account remains on my report, I suffer the consequences of TransUnions reckless disregard for my rights. How much longer am I expected to endure this? How many more disputes do I have to file before TransUnion finally follows the law? This is an outrageous abuse of power, and I will not tolerate it any longer. I demand the immediate and permanent removal of this fraudulent accountno more delays, no more excuses. If TransUnion continues to ignore its legal obligations, I will escalate this matter further.
Product: Credit reporting or other personal consumer reports

There are several inaccuracies regarding late payments on my credit report. These don't align with my typical payment habits. Please correct these and adjust my account. Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

After doing a deep dive into my credit report I noticed a significant amount of inaccurate information. There were multiple accounts that reported with different dates and amounts. I even noticed some accounts I didnt recognize. I tried disputing these negative items with all three credits bureaus directly, but Ive yet to get any progress toward getting these items removed from my credit report. According to the 15 U.S.C 1581 Law there should not be any negative damages to my credit report, this is setting me back time to start my business. Back in XXXX of XXXX I noticed some of these items were on my XXXX XXXX and XXXX accounts so I disputed them online, if given the option to. However, every item was said to be verified by each company, some of which were collectors at that point. So I asked for the information used in the investigation to come that conclusion, in which that was never provided. On XX/XX/XXXX I contacted XXXX, XXXX and Transunion by phone to update my information on file and I provided them with my most up to date address and phone number. After this I pulled my full credit report and asked each bureau to deleted each negative item still reporting on my credit report, in which they still have not done so or provided information used to determine their decision. Ive prepared a letter of each item, the date and reason it needs to be removed. Ive also attached screenshots of my credit report where the information is inaccurate. I hope this information is helpful to you in the process of helping me getting these items removed. Thank you.
Product: Credit reporting or other personal consumer reports

My credit report contains errors in violation of 15 USC 16c-2. My credit report contains errors in violation of 15 USC 16c-2. The listed hard inquiries were not authorized by me, and they are affecting my credit score. I request their removal.
Product: Debt collection

This debt collectionnagency never sent me any correspondence regarding this debt or have ever tried to.commicate with me regarding this debt. Per the fair debt collection practices.act, a collection agency is supposed to.contact the consumer as well as validate the.alledge debt. This collection agency has done neither and this debt has been reported to.the credit bureaus and this has negatively impacted my score. I never got a chance to.even try to make a payment on this account because i had no knowledge of it.