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

I used my XXXX account to wire money to XXXX for a downpayment on a vehicle. The amount was {$9400.00}. The wire instructions were give, I put in all the information as shared the intermediary was Bank of America for further credit to XXXX Account XXXX. The money was pulled out and sent, then it came back to my account minus {$45.00} with no explanation of why it was sent back. 

I tried to contact bank of america by calling their wire dispute online but it is set up only for their customers : https : //www.bankofamerica.com/help/how-to-dispute-a-charge/ I tried to see if this is a common problem and it seems like Bank of America has been doing this to people for years. https : //www.bogleheads.org/forum/viewtopic.php? XXXX I then called Bank of America 's number to speak to someone : XXXX And again unless you have an account number or phone pin ( basically you have to be a customer ), the phone hangs up with no option to speak to anyone. 

So I got this fee taken from my money that I was not aware of nor did I agree to and I can not speak to Bank of America unless I am a customer. This is a blatant way to take advantage of people. I would like help getting my money back. {$45.00} is not a lot today but the principal that they took my money with out any notice, I still do not know why they sent back and now I am short on my down payment b/c I liquidated investments specifically for the down payments. I have also spent hours trying to get resolved. 

Info for the Wire to XXXX, XXXX : XXXX Acct # XXXX Bank of America, NA Acct : XXXX Routing : XXXX Sent : {$9400.00} Got back : {$9400.00}
Product: Student loan

I have been trying to register a new account with Mohela since they forced all users to register new accounts due to creating a new website. I have not been able to create an account as each time I am unable to get past the username and password creation page, I get the same error screen, come back later page. 
This has been going in since at least XXXXXXXX XXXX XXXX ( perhaps even before then ), and when I called I was told to simply wait. 
I have tried different browsers ( XXXX XXXX XXXXXXXX ), different devices, clearing cookies, restarting devices, etc. NOTHING HAS WORKED. 
Today, XX/XX/2024 I called for the XXXX time in the since XXXX trying to get the issue resolved. 
When I asked about assistance in creating an account I was told this was not allowed. 
When I asked how I would make upcoming payments if I am not able to get this issue resolved, and I was told to simply wait and the issue would possibly be solved by then. if not, my account may go into deliquency. 
It is absolutely unacceptable to punish the client for the mistakes Mohela has made in creating a faulty website. I am doing the best that I can to pay my loans off on time, and am unable to do so because of Mohela forcing its users to create new accounts, using a website that clearly does not work as it should.
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 XXXX XXXX  Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX  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: Credit card

I am filing a complaint against TD Retail Card Services for providing me with inaccurate information and a false guarantee about my account, which ultimately negatively affected my credit score.

I opened a TD Retail Card Service
s Financing account through Raymour and Flanigan on XX/XX/XXXX. I made an in-store purchase at the Raymour and Flanigan in XXXX, NJ. I was encouraged to set up a financing account by the sales associate. I was under the impression that I set up auto-pay as part of the financing process. I would not have opted for financing had I not been able to set up auto-pay at the time of purchase. I received a call on XX/XX/XXXX from a customer advocate at TD Retail Card Services stating that my account was past due. I was surprised as I had set up autopay at the time of the purchase. I asked the customer advocate if the past due status would be reported to the credit agencies and was told that it would not be reported if I paid the overdue amount and the next months payment. I made the payment while I was on the phone with the customer advocate and had her confirm that the past due had not been reported to the credit agencies and it would not be. ( See attached screenshot for payment confirmation ). The customer advocate guaranteed me on a recorded line that the past due status would not be reported to the credit agencies. She stated that I was within the five-day grace period and that she could see in the computer system that no reports had been made to the credit agencies as of XX/XX/XXXX about my account. As such, I did not take any further action. 

On XX/XX/XXXX I received an alert that the account was reported and listed as past due with the credit agencies. The account was reported as past due even though I paid extra to ensure that it would not be reported and received a verbal guarantee from the customer advocate at the time of that payment on XX/XX/XXXX. Had I known that it would have been reported, I would not have paid the extra months payment, and I would have taken immediate action to address it with Raymour and Flanigan and with the credit agencies before the report was made. The false assurance I was given by the customer advocate directly impacted my ability to act before the report could be made. As a result, my credit has suffered significantly and I will not be able to refinance my student loans, etc. as I had been planned. I have worked for years to maintain good credit and it is unacceptable that the false assurance and inaccurate statements of one customer advocate could ruin that progress for years to come. 

I have directly disputed the late payment status with XXXX and XXXX. The XXXX dispute was denied, and I am still waiting on the XXXX results. However, I anticipate it will also be denied without the cooperation of the creditor. I reached out to TD Retail Card Services and was told that they have no idea why the customer advocate provided me with false information and were unable to provide any additional information regarding the events that took place. Again, this is unacceptable, unprofessional and predatory.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit reports per XXXX and XXXX. Im requested the verification of the inquiries and the method of verification. On XX/XX/2020, CITIBANK NA., XXXX  on XX/XX/2020, XXXX - XXXX XXXX add a hard inquiry. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Credit Bureaus for Not Removing XXXX Account from Credit Report Dear Sir/Madam , I am writing to formally lodge a complaint against the major credit bureaus for failing to remove a XXXX account from my credit report despite multiple disputes and clear evidence supporting my claim. This unresolved issue is severely impacting my creditworthiness and causing undue stress. 

Details of the Complaint : Account Information : Creditor : XXXX Debt Collector : XXXX XXXX XXXX XXXX : XXXX sold the aforementioned debt to XXXX XXXX XXXX. 
I paid the debt in full to XXXX XXXX XXXX. 
XXXX XXXX XXXX confirmed that they did not report the debt to any credit bureaus and assured me that they would ensure the removal of any related XXXX account entries from my credit report. 

Issues with XXXX XXXX : XXXX is still reporting the account as " potentially negative '' on my credit report. 
The report contains incorrect and incomplete information, including but not limited to : Improper payment history Incorrect date of settlement Missing details regarding the date of debt transfer and the recipient of the debt Lack of debt validation despite numerous requests Violations of Federal Law : The continued inaccurate reporting by the credit bureaus and Discover is in violation of several provisions of the Fair Credit Reporting Act ( FCRA ), including : 15 U.S. Code 1681i - Procedure in case of disputed accuracy : The credit bureaus have failed to conduct a reasonable investigation into my disputes, as required by law.

15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies : XXXX, as the furnisher of the information, is obligated to report accurate information and correct any errors in a timely manner. They have failed to meet this responsibility. 
15 U.S. Code 1681e ( b ) - Accuracy of report : Credit bureaus are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. They have not adhered to this requirement.
Product: Debt collection

im getting a debt collector that says that i owe. DEBT FOR THIS ACCOUNT NUMBER WAS ending in XXXX BUT XXXX  SAYS MY ACCOUNT NUMBER IS THIS XXXX THESE ARE NOT EVEN CLOSE TO BE THE SAME.i have closed the previous account and paid all the bills and returned the equipment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion to have fraudulent inquiries removed from my credit report after filing a report with the FTC. They keep telling me that they have not received any of my information tho it has been sent more then once. I need this fraudulent activity removed from my report at once.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX Balance Owed : {$17000.00} ; XXXX XXXX, XXXX XX/XX/2022.
Product: Credit reporting or other personal consumer reports

I am not linked to these XXXX and did not initiate these inquiries. Please proceed to remove them from my XXXX XXXX promptly.
Product: Debt collection

I pulled my credit report on XXXX as apart of a monthly monitoring service that I have to help clean my credit. I noticed XXXX medical collections accounts under Amcol Systems that I was unaware of. I called Amcol immediately on XXXX at approximately XXXX. I spoke with a rep named XXXX. Upon reading the disclosure and verifying my information, she stated an address for me that did not exist. The address that she had on file for me was XXXX XXXX XXXX, XXXX, NC XXXX. I expressed to her that is not my address and that address does not exist at all. She asked for my correct address and it was given to her. During the call I paid the entire amount that was owed because it was due. I expressed to her that these XXXX colletion accounts were showing on my credit unfairly because I NEVER received the letters or invoice that these amounts were due because they had the incorrect address on file. I asked if that these accounts be removed because they reported incorrectly and under false pretenses that I received the letters and neglected to pay for my debt. XXXX stated that she would need to speak with a supervisor in order to get that approved. She called me two days later and said that XXXX accounts would be removed from file. I asked about the other XXXX as I never received letters for those as well due to the incorrect address on file. She could not answer my question. I pulled my credit today and the accounts are still showing on my credit, however XXXX accounts have been updated to a XXXX balance and the other XXXX have not ALTHOUGH ALL XXXX accounts were paid in full on XXXX. I need help in rectifying this situation before I seek an attorney. I should not have to be bullied into paying for an attorney when the collection agency is not doing their part. After they verified that they had the incorrect address on file for me, they need to do what is right and that is update my credit report correctly and have these accounts removed since I never received correspondence. I did my due diligence and paid ALL accounts in full the same day that I found out about the accounts and that was a total of {$1400.00}. Please help me in this situation. many thanks
Product: Debt collection

I didn't receive any written or phone communication about this debt from the collection agency. I saw it on my credit report and promptly paid in full. This was supposed to be paid by insurance and I have since put a claim in with my insurance company. The full amount was for {$430.00}. I was also never given written documentation about being able to dispute the debt in order to get it off of my report. I called the agency and they said that since I paid it there was nothing they could do to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX attempt at getting an accurate credit score from Experian Credit Bureau. On XX/XX/XXXX Experian decreased my credit score by XXXX points. I contacted the credit bureau to get an explanation as I felt this decrease was inaccurate. I did not get a valid reason from the representative, which caused me to file an initial complaint with CFPB on XX/XX/XXXX. 

After I filed the complaint on XX/XX/XXXX Experian increased my credit score by XXXX points. On XX/XX/XXXX Experian decreased by credit score again by XXXX points. I received a response to my complaint from Experian on XX/XX/XXXX. Either this is deliberate or there is a glitch in Experian 's credit scoring system. 

The scoring can not be based upon my credit history as my XXXX score is steadily increasing, my credit card usage with all ( XXXX ) bureaus is 0 % and there's no new debt collections added to my account that would cause a drastic decrease. 

The previous response that I received from Experian on XX/XX/XXXX did not fix my credit score issue. It stated that my credit history was a factor which is why I attached a copy of my credit card usage percentage to disprove their claim. 


Thank you XXXX XXXX
Product: Mortgage

I have been attempting to get pre approved for a mortgage for 3+ months. Equifax has my social security number paired with the wrong credit report, so when I give them my SSN it does not reflect my accurate credit report. They can see my profile using my address but my social security is not attached to me. XX/XX/XXXX they told me to fax a copy of my ssc and ID with a letter stating what I needed fixed. I have done this 3 times and not once have they updated my information or can even find the sent in documentation. I attempted this 3 times over the course of XXXX & XX/XX/XXXX. I followed up after the last sent documentation from XXXX XX/XX/XXXX. On or around XXXX XX/XX/XXXX they proceeded to tell me that they do not use fax and for the first time was told to send the documentation to XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I sent the letter including all documentation on the XXXX of XXXX and still no result/ update of credit report. I need to get pre approved for a house because I am XXXX moving in XXXX and need to be in a contract by XXXX XXXX assuming 30 day closing time period. I have talked to 10+ Equifax agents and 3 supervisors and nothing happens. I even asked, although they do not fax anymore, if they could search the old faxes to find the proof of my social and name. Still to no fail nothing has happened or any sort of progress made. They are effecting where my family and I are going to live if they do not resolve this issue. Please someone help us. Thank you.
Product: Debt collection

This company ( Revenue Recycle ) billed the denied claim by insurance company to patient. According to insurance company, a patient does no have responsibility to pay the denied claims as long as the patient went to in-network providers which I did.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated.

These are the items I demanding to be deleted immediately : 1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account XXXX XXXX  Bankruptcy Case Number : XXXX Please remove this bankruptcy from my Public record
Product: Mortgage

XX/XX/2022 Contacted SunTrust bank Sell of the home excess has not been discussed with me
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX XXXX dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX XXXX {$5000.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX {$3000.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX  Balance {$210.00} Open Date XX/XX/XXXX inquiries XXXX  Date XX/XX/XXXX XXXX  Date XX/XX/XXXX XXXX  Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions XXXX XXXX . 
Reported XX/XX/XXXX XXXX XXXX XXXX Reported XX/XX/XXXX XXXX XXXX . 

Reported XX/XX/XXXX XXXX XXXX XXXX Reported XX/XX/XXXX XXXX XXXX XXXX  Reported XX/XX/XXXX XXXX Reported XX/XX/XXXX XXXX Reported XX/XX/XXXX XXXX XXXX Reported XX/XX/XXXX XXXX Reported XX/XX/XXXX XXXX Reported XX/XX/XXXX XXXX XXXX Reported XX/XX/XXXX XXXX XXXX Reported XX/XX/XXXX XXXX XXXX Reported XX/XX/XXXX XXXX XXXX Reported XX/XX/XXXX XXXX XXXX XXXX Reported XX/XX/XXXX XXXX XXXX XXXX  Reported XX/XX/XXXX XXXX XXXX XXXX Reported XX/XX/XXXX XXXX XXXX XXXX Reported XX/XX/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
Product: Credit reporting or other personal consumer reports

I am writing to notify you of a serious issue concerning the compromise of my Social Security number. I am a victim of identity theft. I have reported this incident to the Federal Trade Commission, and a copy of the filed complaint is attached for your reference. I request that you immediately block and delete all fraudulent information from my credit report and provide me with an updated copy of the report. The following item was opened fraudulently and is not authorized by me : Account : ( XXXX Account Number : XXXX ) Inquiries : ( XXXX XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) In accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and remove this fraudulent item within XXXX XXXX XXXX  of receiving this request. If you fail to act appropriately, I will be forced to pursue a small claims lawsuit against your agency. I will be seeking statutory damages of {$1000.00} for each violation, which may include but are not limited to the following : XXXX. Defamation of character XXXX. Negligent facilitation of identity fraud XXXX. Violations of the Fair Credit Reporting Act XXXX. Civil liability for negligent non-compliance ( 15 U.S.C. 1681o ) XXXX. Civil liability for willful non-compliance ( 15 U.S.C. 1681n ( b ) ) XXXX. Failure to comply with 15 U.S.C. 1692 ( g ) XXXX. Violations under 15 U.S.C. 1681b Permissible purposes of consumer reports XXXX. Violations of the method of verification ( XXXX U.S.C. 1681i ( 7 ) ) XXXX. Right to privacy violations ( 15 U.S.C. 1681a ( 4 ) ) XXXX. Violations relating to the contents of consumer reports ( 15 U.S.C. 1681c ) I take this matter very seriously and demand immediate action to block and remove this fraudulent account from my report. I expect to receive an updated copy of my credit report sent to my address at no cost to me, as required by law. Additionally, I request that you notify any recipients of my credit report in the past XXXX months of this correction. 

Thank you for your immediate attention to this matter. I look forward to your swift response.
Product: Vehicle loan or lease

We fell into a few hardships since XXXX and have struggled to pay the auto payment. We have called numerous times since the end of XXXX to work out arrangements and try to get into a borrower assistance program. Capital One Auto have only offered a payment " catch up '' plan. This would be a decent program for others who may be one month behind ; however, we are going into our 3rd month. We had extensive auto repairs on my vehicle then had to pay extensive repairs on the truck purchased with this creditor. I recently called to let them know the co-borrower on the loan had been laid off and we could no longer afford the catch up plan. I requested some further assistance and again was only offered the same program. This is not helpful. When I have asked to speak to a supervisor, I'm told they aren't available and will call back. We are not wanting to default but we need help that Capital One Auto does not seem to want to offer.