23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

ACCORDING TO XXXX XXXX XXXX - EXPERIAN, XX/XX/XXXX HAVE XX/XX/XXXX DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under XX/XX/XXXXStates I have the right to privacy. 

XX/XX/XXXX: It also states a consumer reporting agency can not furnish any account without my written instructions XX/XX/XXXX : 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 XXXX years. 

XX/XX/XXXX A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted the necessary supporting documents and I implore you to conduct a thorough investigation into this matter without delay. It is imperative that you take immediate action to remove the fraudulent inquiries from my credit report
Product: Checking or savings account

XX/XX/2021, received late pay and interest charge from Alliant Credit Union branded credit card. I called to complain not realizing that the credit card was not part of Alliant Credit Union, and was told that they have no record of autopay being setup, but refunded my late fee and interest charge. I immediately paid the bill in full via Alliant Credit Union website and made certain autopay was setup. Now, XX/XX/2021, I received a second late fee and interest charge, and was told this would likely go on my credit report. While talking to the credit card company again, I then realized that they were not directly part of Alliant and proceeded to call Alliant directly. Alliant stated that auto pay had dropped off last XXXX for some reason and were unsure why. In addition, they had no record of me paying the XXXX bill or setting up autopay online for a second time in XXXX and unless I had a screen shot, were not willing to guarantee this would come off my credit report ( I currently have a score of XXXX ) and were not willing to refund any of the penalties.
Product: Vehicle loan or lease

We are currently on a very high loan for a XXXX XXXX XXXX. We have been behind on the car payments and are currently waiting for my husband 's pay for a job, the job is on a construction loan and taking longer due to the owners needing to request a bank draw. Before this my husband had an accident and was in the hospital after having XXXX on his hands as a concrete finisher he was not able to work and it set us back. I knew our car loan was in default but did not think that it was in actual repo status yet. We had been in the past and received a letter via the mail telling us the date we had to get the account caught up by. We have not received this mailing, I have received text messages that read " your account is severely past due, we may have options for you to avoid repo '' XX/XX/XXXX. " Your account has been assigned for Repo, call us to make payment options and possibly avoid repo '' XX/XX/XXXX. Based on it being " assigned '' I believed it was being transferred to be in repo status, but I still had time to avoid it if I could get a payment within the day. Knowing my husband would be paid soon. The Repo man showed up today while I was home. I was caught off guard and knew I had read in Wisconsin there was a " breaching the peace law '' I asked him about that and he said no, he could take it even if I declined. But I could call the bank while he was there. I called capital one and the customer service agent said I had to let them take it and then call back in XXXX hour. He also told us we would be able to get the car back and it was just going to a holding area and there wouldn't be any extra fees. During this time my husband had looked on his phone and saw that this was a law and that he could request for them to leave. The tow guy then changed what he was saying and said " Well yes you can but then your loan will be canceled for your car ''. Then told my husband he had to look in his body camera and say I orally declined this repo '' I do not have the name of the tow company. Capital, one does I imagine, and all of this is on his body camera, he told my husband and I it was on when we first started talking to him. After my husband declined the repo, I called Capital One and was told they could set up a payment plan. I have contacted an attorney and have a scheduled consult for later today. However, from what I understand, I should have received notice via mail of the repo and that the Repo man and Capital One can not threaten financial consequences on be due to me asking for them to not breach the peace during the repo, and him lying about the law not being valid could be considered that alone.
Product: Debt collection

UPON CHECKING MY CREDIT REPORT, I NOTICED THERE IS AN COLLECTION FOR XXXX XXXX XXXX XXXX. THIS DOES NOT BELONG TO ME
Product: Money transfer, virtual currency, or money service

My account had a balance of {$650.00} after a transfer on XX/XX/XXXX at XXXX XXXX. Later the same afternoon I received a push notification on my cell phone about two unauthorized transactions : 1 ) XXXX XXXX XXXX XXXX, MA ) - initiated on Wednesday, XX/XX/2020 at XXXX XXXX  - Amount : {$130.00} 2 ) XXXX XXXX ( XXXX, IA ) - initiated on Wednesday, XX/XX/2020 at XXXX XXXX  - Amount {$130.00} Both transactions are listed as Cash Card transactions ( card ending in XXXX ). The cash card has been in my possession the entire time so I do not understand how it was used for transactions in two different U.S. states within minutes of one another. I do not know or recognize these vendors. I did not initiate these transactions. I have since disconnected the card associated with this account. There have been a number of declined attempts to use the card even after I disabled the physical cashcard that was connected to the account ( unauthorized attempts from XXXX in XXXX, NY XXXX XXXX XXXX XXXX XXXX in XXXX, WI XXXX. My cashcard has been compromised and my funds were stolen. I thankfully was able to cash out my remaining balance of {$370.00} and disable the card before the most recent attempts went through. 

I am asking to be refunded {$270.00} for both unauthorized and counterfeit transactions that I did not initiate and was not aware of. 

Cash App has not been helpful. I have provided all of the information I was asked for and have not received any confirmation that my funds will be refunded.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to Experian disputing items on my credit report XX/XX/XXXX. I asked for XXXX XXXX XXXX, partial account # XXXX, {$1300.00}, to be verified, documentation of verification provided or removed. It remained unchanged. In XX/XX/XXXX, I requested a copy of my report and credit score and noticed that the information for XXXX was changed. I tried to dispute it and Experian said it was updated.The information is not correct. Experian changed the information to show that this item was included in a XX/XX/XXXX discharged bankruptcy. The item was not reported until XX/XX/XXXX. Items in a discharged bankruptcy can not be added two years later. In addition, XXXX XXXX XXXX, partial acccount XXXX, shows as a separate line item with a late payment. This item was included in a bankruptcy. Since this item was included in a bankruptcy, it should not be listed as an additional negative item. Experian refuses to correct the stated information on both accounts and will not allow me to dispute the information online because they said it was updated. This is unethical reporting. Experian did not verify information because if it was verified, these errors would not be on it. I have worked hard to rebuild my credit and have paid off some debt and raised my credit score with XXXX and XXXX to XXXX and XXXX, respectively. My Experian credit score remains at XXXX because of this incorrect reporting. Thank you.
Product: Mortgage

I went into a special program during Covid and got approved. I signed paintwork to have my mortgage payments automatically deducted from my checking account. They are not taking my payments out and even when I have been mailing my payments on time they will not cash my checks and keep waiting till after the time of up and keep charging me late fees when I mail my payment on time. They have been holding my checks too to invite interest on their end.
Product: Mortgage

I have two complaints : 1. On XX/XX/20 Dovenmuehle took {$470.00} out of my escrow account, I called and requested an explanation and an audit of the account to understand why. I spoke to XXXX on XX/XX/20 and she said that was a task for the research department and that I would here back from them in 7-14 business days. I have not received a written response or an explanation of the withdrawal. I have reached out in several emails with no response and have tried to get them on the phone. 

2. Dovenmuehle assumed my loan on XX/XX/20 and the hazard insurance was due to be paid on XX/XX/20 - I called on XX/XX/20 after I received notice from the insurance company that the bill was past due. As of XX/XX/20 no payment has been made for the insurance. 


The escrow account is in good standing and has plenty of funds available.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXX XXXX XXXXXXXX Account NumberXXXX Date of Charge-Off : XX/XX/ It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 
Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score. Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 
I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 
Thank you for your prompt attention to this matter
Product: Credit card

Description of issue : Concerning : Credit Card Missing promotion, misconduct and potential Fraud by BOA, their case is XXXX I have made many dozen attempts to resolve this via email, XXXX messages, phone, and mail - documented by both BOA and myself. Details can be provided of each interaction should it be needed. 

I can expand on the information but in short Bank of America credit card had a promotion under XXXX for XXXX promoting Get up to 20 % off! Plus get an additional 5 % on select hotels at XXXX when you use code XXXX at checkout. 

On XX/XX/year> I purchased my ticket and fulfilled the entire terms of the promotion. Several representatives have confirmed that I have fulfilled my side of the promotion, and at other times stated that I would be receiving the promotion, but in XXXX months, it has not happened. Since then, i have contacted the Customer service, XXXX team, corporate customer center, XXXX XXXX XXXX and more - several times, and at times had been assured something would be done, but again, XXXX months and no result. The latest response was XX/XX/year> from a XXXX XXXX, but in XXXX calls and XXXX emails since, there has been NO response. I have shown that i have made more than enough efforts to resolve this before contacting your office. 

By not fulfilling their contractual obligation in this promotion, this is a fraudulent behavior which needs to be corrected. 

The text of the promotion was as follows and the XXXX  can be made available : Get up to 20 % off! Plus get an additional 5 % on select hotels at XXXX when you use code XXXX at checkout Offer subject to merchant and program terms. 
For Cash Back Online Shopping Offers : If a merchant processes your order in separate transactions, you'll only earn cash back value on the first transaction. 
Get up to 20 % off! Plus get an additional 5 % on select hotels at XXXX when you use code XXXX at checkout. 
At XXXX our mission is to power global travel for everyone, everywhere. No matter who you are, or where you are going, our travel brands help every type of traveler not only find the trip thats right for them, but get the best value every time.

Access your offer Must Use Link. This is not a cash back offer. Discount is applied to base rate at time of online booking excluding taxes and fees. Discounts not available on all hotels. Discounted hotels are displayed with strike-through pricing. Plus, get 5 % off on select hotels using code XXXX in the Use a coupon, credit, or promotion code field at checkout. Promo code only valid on hotels marked Coupon Eligible and if the Pay-now option is selected when booking. Cancellation and refund rules vary by property. See full terms here. 
- Payment must be made directly with the merchant.- Please review all of the above terms for eligible locations, time and date restrictions. '' And the latest contact is XXXX XXXX at XXXX XXXX with email XXXX XXXX
Product: Checking or savings account

I deposited XXXX $ into atm branch on XX/XX/year> @ XXXX here in XXXX XXXX code XXXX, it did not go through into my account my cash deposit ate the atm machine so I reported this on the spot one of the representative in that branch and they told me to call the customer service so I called the customer service and they created ticket for me and I have to wait XXXX business days so last week I called again the customer service and theyve told me to wait this week so today I called again they told me they can only give me XXXX $ credit since the branch only approve XXXX $ and they told me to go branch and ask why so I went to the branch they told me they can only give me XXXX $ since thats the only money they see in their atm machine with XXXX $ bills, but I did not deposited XXXX $ bills I deposited XXXX pcs. XXXX $ bills with XXXX XXXX $ bill and XXXX XXXX $ bill and XXXX XXXX they told me they cant do anything anymore and I will not get my money back since the only money that they have in their atm machine is XXXX $ XXXX told them to check the cameras they said even they look into camera they will not be able to trace they just told me they cant do anything anymore, thats not even helpful I need my money back thats my earned my money they just took it like that. I need to pay my rent on that day thats why I deposit my cash but it happen like that I have to borrow money from my friend to pay this week but now they told me they cant do anything anymore. 

When I went to branch today XX/XX/year> XXXX of the bank teller there told me that he only have XXXX $ into that atm machine bills are XXXX $ bills so Ive told him to check the camera and he told me even they check camera they will not know how much I really deposited on that day so I told him that XXXX $ bills of XXXX $ is not mine I have XXXX of XXXX $ and XXXX $ remaining and I told him even the customer service I called that day know the exact amount that I deposited because on that day I told them it was XXXX $ something and customer service told me the exact amount which is XXXX $ I was in recorded line on that day so I have a proof. Even that day I was talking to customer service one of the teller named XXXX XXXX here in XXXX XXXX went to checked the atm inside where the money goes while I was talking to customer service he gave me thumbs up that he found my money in there that I still need to continue talking to the customer service because they need my reference number and now today it change that the money I deposited on the XXXX is only XXXX $ and its XXXX $ bills why it change now. This is suspicious from the branch where I deposited my cash.
Product: Credit reporting or other personal consumer reports

My wages were garnished by XXXX XXXX on XX/XX/2018. The amount of judgment was XXXX XXXXThe company has the following address on file with the following reporting agencies : The Equifax address for XXXX is : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The XXXX address for XXXX is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone Number ( XXXX ) XXXX The XXXX address for XXXX is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I attempted to contact XXXX to correct the issue. They would not return my contact or resolve the issue. XXXX went through XXXX XXXX to garnish the wages. XXXX nor XXXX XXXX has acted properly. The account showing it has not been paid off impacts my credit, life, employment, and peace of mind.
Product: Mortgage

Home was sold in a XXXX sale in 2016. Home was on the market for XXXX years, wells fargo would not approve the short sale.
Product: Credit reporting or other personal consumer reports

am writing to formally request the Consumer Financial Protection Bureaus assistance in removing inaccurate information from my credit report. Despite my repeated efforts to dispute the information with the credit bureaus, the inaccurate data has not been corrected. This continued failure to address my concerns is a violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
The following inaccurate information is being reported and must be removed immediately : XXXX XXXX XXXX, XXXX, XXXX, XXXXXX/XX/XXXXXXXX, and address XXXX XXXX XX/XX/XXXX XXXX XXXX. 

I have contacted Equifax, XXXX, And XXXX. Under the FCRA, the credit bureaus are legally required to ensure that the information on my credit report is accurate and must remove or correct any disputed items after a thorough investigation within 30 days. Additionally, the FDCPA prohibits debt collectors from furnishing inaccurate or misleading information, and by failing to comply, they are violating my rights.

I demand that the CFPB : 1. Investigate and intervene in this matter to ensure that the credit bureaus promptly remove the erroneous information from my credit report. 
2. Issue a cease and desist order to prevent further reporting of these inaccuracies.

3. Ensure full compliance with federal law and that all future credit reporting is accurate and fair. 
If these issues are not resolved in a timely manner, I will consider pursuing further legal action, including complaints to the Texas Attorney Generals Office and potential legal remedies for damages resulting from non-compliance with the FCRA and FDCPA. 
Enclosed are copies of previous correspondence with the credit bureaus, as well as supporting documentation ( e.g., payment records, statements ) to substantiate my claim. 
I request written confirmation that the inaccurate information has been removed from my credit report within 30 days. Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

Recently, I investigated my credit report and found several items there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ), " Accuracy of the report, '' whenever a consumer reporting agency prepares a consumer report, it shall follow responsible procedures to assure the maximum possible accuracy of the information concerning the individual to whom the report relates.

15 U.S. Code 1681i ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general if, 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 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. 

Please immediately remove the following items from my credit report, as these accounts have never been late. 

XXXX : XXXX XXXX  XXXX XXXX Acct Number : XXXX Bal : {$10000.00} Date Opened : XX/XX/XXXX XXXX XXXX Acct XXXX : XXXX Bal : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Acct Number : XXXX Bal : {$0.00} Date Opened : XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX Acct Number : XXXX Bal : {$10000.00} Date Opened : XX/XX/XXXX XXXX XXXX Acct Number : XXXX Bal XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX  XXXX Acct Number : XXXX Bal : {$0.00} Date Opened : XX/XX/XXXX Equifax : XXXX XXXX  XXXX XXXX Acct Number XXXX XXXX Bal : {$10000.00} Date Opened : XX/XX/XXXX XXXX XXXX Acct Number : XXXX Bal : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX  XXXX Acct Number : XXXX Bal : {$0.00} Date Opened : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX , XXXX XXXX XXXX XX/XX/XXXX , XXXX XXXX XXXX XX/XX/XXXX , XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX , XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXX XX/XX/XXXX , XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX