23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

Bank of America will not apply my additional principal payments I make towards my RV loan. They place some towards Principal and some towards Finance charges and push my payment due dates out. I'm ahead of my payment schedule. My principal balance is not dropping by my additional principals paid. ( minus loan pay, etc. ) I've contacted Bank of America a couple of times about this problem. I just got off the phone a 3rd time since I've had this loan with XXXX who tried to explain ( but couldn't ) that I don't really have a payment due until XXXX 2020 and that the Finance charge on my statement is really a holding place for the next payment. So my extra principal I'm paying only buys me time and pushes my payment due date out not reducing my principal Balance? Every time I make an extra payment I specifically tell the teller I want the extra to go to principal. They tell me it will but doesn't. At least not in a way I'm used to. I believe this is a deceptive tactic on Bank of Americas part and would like it investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the 1970 FCRA, these unathorized and unverrified accounts need to be removed asap. This is stopping me from getting my home. 


These are the accounts that are unathorized and unveriified : 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 XXXX
Product: Checking or savings account

I bank with Capital One. Have been a customer for a very long time. I discovered last year that the savings account now had a higher interest rate but I was not told of it. So my funds were getting a very low interest rate for a number of years. I lost out on a lot if money by the bank keeping quiet anout that interest change.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been trying to get All three Credit reports for 3 years now and Excuses have been made and access denied. 
Now my identity has been Stolen. I reported identity theft for Myself and my dead granparents. I have the report numbers. I reported it to. FTC and to the Fbi. I was part of an equifax data breach of my grandmothers in 2017. Now i got part access to one report. A Manager from equifax used my informatiom and allowed someone to open accounts in my name and Withdraw and transfer money. XXXX XXXX XXXX at Equifax. The Managers should be monitored and checked. Now that they are done collecting and transferring money and spending accounts in my name i Can access part of one report. Nebraska XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and a few other. I couldnt have access but someone else could?
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report only to find that there were accounts being reported illegally with XXXX, XXXX, and TransUnion. They are in direct violation of 15 U.S. Code 1681s-2
Product: Credit reporting

I have reviewed my credit reports with a lawyer. He has informed me that Equifax is reporting to accounts illegally. They are not reporting the debt collector or creditors name. This renders the accounts non-verifiable and not accurate. A violation of Federal law. They have been written several times and have done nothing about this
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding the Credit Reporting Agencys violations of the Fair Credit Reporting Act ( FCRA ) related to inaccurate information and lack of proper notification on my credit report. These actions have impacted my credit score, causing a significant decrease, without prior notification or sufficient updates during an active dispute.

Background : 1. Inaccurate Reporting ( FCRA Section 623 ( a ) ) : The credit reporting agency and furnisher added remarks to my report that caused a substantial drop in my credit score, without verifying accuracy. These changes were made without informing me, in violation of the FCRAs requirement to report only accurate information.

2. Lack of Notification and Timely Updates on Dispute Status ( FCRA Sections 611 ( a ) and 623 ( b ) ) : Despite having an active dispute regarding the specific account in which remarks have been added and changed, I have not received timely updates on the investigation status. FCRA Section 623 ( b ) requires that furnishers investigate disputes promptly and notify me of any updates or changes made as a result. Through a third party company, I have learned that My credit reported has been updated on XX/XX/XXXX, XXXX, XXXX, XXXX, and XXXX, XXXX. I have not received any notifications from the Credit Reporting Agency regarding this dispute.

3. Ongoing Harm : This lack of transparency and accuracy has caused financial harm, affecting my creditworthiness and overall financial stability.
Product: Credit reporting

Names of people I do not know are on my list of people I know. I do not know a XXXX XXXX, XXXX XXXX or none of the XXXX listed on my report. My inlaws are XXXX and XXXX XXXX. How do I fix? I tried several times with letters and phone calls. This cant be that hard. How was they added?
Product: Mortgage

Currently, Im in a XXXX XXXX  with this organization. I initially try to do a payment plan with them to reduce the payment owed and to be done with the bankruptcy to have a discharge intend to continue with adding fees stating that I wasnt making any payments on top of that dealing with double payment due the bankruptcy because of fees, I am paying with them, and they refuse to give me emails or confirmation of proof of payment. They refused to give me a payment plan which I am already paying in double to avoid foreclosed. They have come out and posted my property up as a BPO. They have also brought in people to my door to place a notice and put a foreclosure notice on my door, knowing that I am in bankruptcy XXXX XXXXXXXX while making my payments they still say that I am {$14000.00}? how when the lawyers know payments were made up if late a month while still paying the trustee XXXX have been making payments due to trustees and through them if I was delayed payment through the mortgage company, I paid them and gave a statement showing that. I was current when they realize that the bankruptcy was coming to close. They added {$14000.00} debt saying that I owe an additional to what Ive already paid which was XXXX this is Highway robbery. I am in conjunction with my bank and money orders sent to prove these payments sent to these offices
Product: Credit reporting or other personal consumer reports

Some took credit card out in my my name with I am in a XXXX  XXXX. I attached a tell for an example of what I need to incure new debt. No one thinks by law I have to have that letter. I do the ftc. Is involved. What's on my report is XXXX XXXX. I will becasking all XXXX companies to send the letter to me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The amount are XXXX XXXX XXXX XXXX XXXX  XXXX. And XXXX XXXX XXXX XXXX for XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items are reported on my credit report without my permission, in violation of federal law. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a request to XXXX, Transunion and XXXX to remove inaccurate addresses and names on my credit report and I included my 2 forms of identification to verify my identity and that I was the one initiating the dispute and every time Transunion and XXXX replies saying provide verification documents and I do and they just send the same automated respond. XXXX does not reply at all. It has been longer then 30 days for all 3 requests and nothing has happened.
Product: Credit reporting or other personal consumer reports

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

My transfer was from XXXX XXXX CEO of US Bank he confirmed to me he had the money and asked for my account. I gave it but the money didn't arrive. My money us federal ok given to us bank by XXXX and XXXX XXXX. No scam I called us bank Minnesota to XXXX and XXXX and was shot at. They treated me unfair. I have a question as the customer where is my wire. I was shot at again. I need to talk to the ceo it's not a wire to my account from a friend or XXXX XXXX it's only from federal to us bank for me. The date okd from us bank was XX/XX/2014 the amount is XXXX XXXX.
Product: Debt collection

A company named Atlantic Credit and Finance Called me from an unknown number today X/XX/2017 at XXXX Pacific time. The call lasted about 16 minutes. After asking the repeatedly at least 10 times during that call if I could have their address so I can send my via Money they continued to harrass me after I told that financial hardship is the reason my account went into collections. They wanted to know how, why, when, where and what exactly happened. After repeatedly telling them that I was n't giving them my life and if I could the address and kept asking me what was having their address gon na do for me. They have some shady phone tactics and it made me feel very uncomfortable with them having my information and not wanting me to pay what I could afford on the account that they purchased from XXXX XXXX XXXX. The two employees that were harassing me names are XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

SO I have been receiving calls that i'm applying for car loans and i'm at work and i called the credit bureaus to have an fraud alert put on my accounts and to notify me if anyone tries to apply for credit but that went in vein. I have 31 unauthorized inq from car places that i didn't do and the police said I can't get a police report and the credit bureau is saying i need it in order to have these removed so I stuck and not sure where to go from here. I just would like for all the inq to be removed from my XXXX account. ( 31 )
Product: Credit reporting or other personal consumer reports

This morning, I found unauthorized inquiries on my credit report, and I have no idea why. I routinely check my report, but this time there were strange discrepancies. I even refreshed the browser, thinking it might be a glitch, but the inquiries didnt disappear. I urgently need the documents Ive submitted to be reviewed carefully so this issue is resolved once and for allI 'm extremely frustrated by this.
Product: Credit card

I have received a letter from XXXX  which just telling me Synchrony Financial will contact with me and, ( if I need ) I can call Synchrony Financial XXXX. Since I have closed the account the credit card offered by Synchrony Bank, I do not have any reasons to be contacted by this company, especially, I paid off whatever I used. Therefore, I decline further contact from all of these companies related to this card, XXXX XXXX XXXX.
Product: Money transfer, virtual currency, or money service

I found a person named " XXXX XXXX '' on a XXXX group for subletting in LA. I wanted to rent a place for the duration of my XXXX. A fake company pretending to be XXXX XXXX emailed me from the email id : " XXXX '' with a finalized lease and the payment information. I did a XXXX transfer to the person they claimed was the owner of the place : XXXX XXXX. The email ID for that XXXX was : XXXX. Later, they started asking for more money which is when I realized that this is a scam. 
The phone number that was texting me is : XXXX XXXX and another email ID I received for the owner is XXXX. I also received a picture of the owner 's DL but I suspect it is a fake. The details are : XXXX. XXXX : XX/XX/1991. Address : XXXX XXXX XXXX, XXXX XXXX, CA XXXX.
Product: Vehicle loan or lease

On XX/XX/2019 I received an e-mail stating that my payment had not been received for my leased XXXX. As I had set up auto-pay in the past for the full amount due I worried that something had changed with my bank account. Upon logging in to their website I found that they claimed I owed money due to underpayments for the past two months. Those underpayments were now considered " overdue '' despite the fact that I had not received any notification that I was underpaying. 

When I called GM Financial their representative stated that I owed the amount I agreed to pay on my lease and made it clear that the website taking the wrong amount was not GM Financial 's problem. I never claimed to not want to pay the correct amount of my lease but rather that the website was taking the wrong amount out. At which point the representative informed me that the shortage was taxes owed on the lease. 

The issue here is that I told them to pull what ever I owed them from my bank account at a set time each month. Yes, I need to meet my contractual obligation to pay them but they also need to fix their site so that when I set up autopayment for the " amount due '' it takes out the correct amount. They also need to clean up their communication so that I get notified in a timely manner that my payment isn't sufficient to cover what I owe. Because in my mind I've already met that obligation by giving them my bank account and telling them to take what I owe them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted disputes and I didnt get a responds within the XXXX day and XXXX  are related by law to do so.
Product: Credit reporting or other personal consumer reports

I am formally submitting this CFPB complaint just to notify you about the late open account upon checking it in in my credit file. I have carefully reviewed my credit report from your agency and have identified discrepancies that I believe require immediate attention and correction. I have outlined the details of the disputed information along with an explanation of the inaccuracies : the late payment reported on the above-mentioned account is incorrect. I have diligently made all payments on time as per the terms and conditions of the agreement with the creditor. I have enclosed copies of my bank statements, payment receipts, and any other supporting documentation to substantiate my claim. I kindly request that you investigate this matter promptly and correct the inaccuracies on my credit report as required by the Fair Credit Reporting Act. 
Please provide me with a written confirmation of the correction once the investigation is complete. Please help me correct these accounts : XXXX XXXX Balance Owed : {$4300.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance XXXX : {$0.00} ; XXXXXXXX XXXX XXXX Balance Owed : {$2100.00}.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I received an email from coinbase.com saying that my account is being closed and I need to remove my funds from the account before it is closed. 

Coinbase.com offers a staking opportunity where a consumer can invest in an upcoming cryptocurrency called XXXX XXXX or XXXX. These funds are locked in the staking opportunity until XXXX launches and I have staked two XXXX coins which is roughly {$4000.00} USD. 

There is no way for me to remove the XXXX funds from my account and they must be converted into XXXX or XXXX  before I can remove them from the account. 

I emailed customer support about this issue and on XX/XX/2022 I got a response from coinbase.com support saying they would convert my XXXX holdings to XXXX  so that I could move the funds from my account. Converting a cryptocurrency is something that could be completed within an hour but its been over 5 days now Ive emailed, called, reached out on XXXX and reached out on XXXX to the support teams and I just kept getting told they are working on it but Ive seen no progress. 

Im concerned coinbase.com is going to close my account without giving me the opportunity to remove the {$4000.00} off the account. 

I received absolutely no warning about account closer or anything indicating this was potentially going to happen. I just got an email one day my account was closed. And they told me to remove my funds but Im not able to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize nor consent to the inquiries furnished on my report. They are XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX -- XX/XX/XXXX -- XXXX XXXX. XXXX, XX/XX/XXXX XXXX. XXXX XXXX, XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I had a credit card with Orchard Bank. Orchard Bank was bought by Capitol One. When the billing moved over to Capitol One my automatic payments were stopped and resulted in missed payments. When I noticed I called Capitol One to find out what happened. They could not give a reason why they were stopped. They agreed to refunding all the late fees that were charged and apologized for the error. I have attached a copy of the statement showing the refund. I have asked them many times to remove the late payments from my credit report and they just send a letter saying they are reporting correctly. As soon as I noticed that the payments were not getting applied to my acct I immediately called and paid the past due balance as well as set up the new automatic billing. The late payments are greatly effecting my credit. This was no fault of my own. I never had a late payment with Orchard Bank, and have not had XXXX late payment with Capitol One sense I discovered this issue.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS 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 AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Other financial service

I was contacted by National Budget Planners and they told me that they could help me re-consolidate and manager my loan repayments for me so they would be affordable based on my income. I was told I would qualify for the pay as you earn program and my payments would be {$39.00} a month which was the charge they had for their services and my monthly payments would be {$0.00}. I also paid an up front charge of about {$490.00} which was broken into three payments. This all happened on XXXX/XXXX/2015. My loans were consolidated by my monthly payments were {$250.00} dollars and National Budget Planners were not helping me with the process. I called them over 4 times in a month period to try and have the problem resolved which has yet to happen. My account was XXXX days delinquent so I called XXXX XXXX to figure out what could be done. The number they gave me were a lot different that National Budget Planners and there was no monthly or up front chargers for me to take care of my loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a loan from XXXX XXXX XXXX XXXX ( XXXX ) on XXXX XX/XX/2020 and a credit report was sent to the bank. XXXX sent me a letter, notifying me that my report had some derogatory information on it. They provided instructions to contact the consumer-reporting agency to address any mistakes that I found on my report. I contacted Equifax because Equifax Mortgage Solutions was the agency who reported the information to my bank. I followed their instructions for submitting a dispute on XXXX XX/XX/2020. On XXXX XX/XX/2020, they sent me a response to my dispute stating they had updated my credit file. On page 3 of the letter sent to me, they state If there has been a change to your credit report based on your dispute, or if you add a consumer statement, you may request that Equifax send an updated report to companies who received your credit report within the last two years for employment purposes, or within the last six months for any other purpose '' ... 

XXXX XX/XX/2020, I contacted Equifax to have them send an updated report to XXXX so they would have the correct information with the derogatory information removed. I provided the representative from Equifax the confirmation # of my disputed file so she could reference the same information I was referring. She refused to assist me with how to get an updated report sent to XXXX. I requested to speak with a supervisor, for which I waited on hold for XXXX minutes before XXXX took my call. This was between XXXX. She was not helpful at all, she was more annoyed that I was insisting that they honor the information they sent me by providing an updated report or helping me get to a section within their company that can assist me further based on the correspondence I received. She stated that it was not their policy to provide reports to businesses ; they only provided them to consumers, thats their policy. She said she could not help me any further. I explained that I understood her policy but what I was asking for was also a part of Equifax policy, because they sent it to me in writing as to what I should know. She said very rudely that her policy wasnt going to change, she wasnt going to continue to talk to me about it, and then she hung up the phone. I contacted the Equifax Mortgage Solutions section, which is the section that sent the actual report to XXXX. They also stated their policy doesnt allow them to send updated reports. She told me I needed to contact the regular Equifax, which is the section that hung up the phone on me.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 
XXXX. Nordstrom Credit Card XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611. Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. You sent verification as to the account being opened and opened online. I never challenged the account being open. The account was NOT opened by me. Please send me an updated copy of my credit report after your investigation and removal of this account.