23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2021 I sent American Honda Finance Corporation d/b/a Honda Financial Services a tender/money order for special deposit as a non cash item ( 12 CFR 229.2 ( u ) ) in full settlement of the alleged obligation of {$810.00} in accordance with 12 CFR 204.2 ; U.C.C. 3-601 ; U.C.C. 3-603 ; U.C.C. 3-604 ; and U.C.C. 3-311. By XX/XX/2021, my account had not been adjusted in accordance with the tender nor had I received proper notice of dishonor from American Honda Finance Corporation d/b/a Honda Financial Services and had received a second statement stating my payment was late, with a new alleged obligation amount that included a late fee ( individual act against 15 USC 1692f ). Pursuant to UCC 3-603 ( b ), if American Honda Finance Corporation d/b/a Honda Financial Services refuses my tender , American Honda Finance Corporation d/b/a Honda Financial Services must discharge tendered amount. In the event American Honda Finance Corporation d/b/a Honda Financial Services dishonor through nonperformance and nonresponse was unintentional or due to reasonable neglect, mistake, or impossibility, On XXXXXX/XX/XXXX I sent a Notice of Default and Opportunity to Cure and gave American Honda Finance Corporation d/b/a Honda Financial Services the opportunity to send confirmation that my account and open end credit plan had been adjusted in accordance with the tender in full settlement of the alleged obligation sent on XX/XX/2021 or send a proper Notice of Dishonor to allow me to cure any defects. A few days later, I received correspondence in the mail from American Honda Finance Corporation d/b/a Honda Financial Services dated XX/XX/2021 titled Notice of Intent to Accelerate. In the correspondence from American Honda Finance Corporation d/b/a Honda Financial Services titled Notice of Intent to Accelerate, American Honda Finance Corporation d/b/a Honda Financial Services states that if I did not pay the alleged obligation by XX/XX/2021, that they would repossess the collateral. This is an individual act against 15 USC 1692e ( 4 ). American Honda Finance Corporation d/b/a Honda Financial Services can not seize or threaten to seize my property. In the correspondence from American Honda Finance Corporation d/b/a Honda Financial Services titled Notice of Intent to Accelerate, American Honda Finance Corporation d/b/a Honda Financial Services threatens to sell my property after repossession if after repossession I do not pay the accelerated alleged obligation before it is sold. This is an individual act against 15 USC 1692d ( 4 ) and constitutes as harassment and abuse in order to coerce payment of the alleged obligation. Be advised, I, the consumer, am well aware that my rights under Title 15 of the United States Code and supersede any contractual agreement with American Honda Finance Corporation d/b/a Honda Financial Services.

American Honda Finance Corporation d/b/a Honda Financial Services is civilly liable for the damage I, the consumer, have sustained as a result of their violations of my rights.
Product: Debt collection

In XX/XX/XXXX, I was required to leave for military training. However, on XX/XX/XXXX, while still in XXXX XXXX XXXX status, a collection was reported on my account by Rent Recover of XXXX. It is my understanding that under the Service Members Relief Act ( SCRA ) all debts occurred while on XXXX XXXX that were open prior to me leaving are forgiven. Furthermore, this debt was removed before and has been recently re-added to my report. I am requesting an immediate deletion of this negative remark.
Product: Checking or savings account

I put money in and they took money the day after the date of transaction. Taking income deposited to avoid bank closing. Therefore had fees and harassment from Wells Fargo then they closed my account after they tried to explain nothing further and not responding to the date of deposite and debit from account. I owe Wells Fargo and I want the bank back because I like Wells Fargo. This all happened when the DOJ investigates them and I'm one of the customers who suffered. Can I get some help?
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried to get old address removed in lieu of recent issue with an address that wasnt mine. Would only like to have current address showing on Experian, XXXX, credit report. Please remove all former addresses.
Product: Credit reporting or other personal consumer reports

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES FEDERAL LAW.

Please block and remove all erroneous information from my credit report and send me an updated copy.

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n - Civil Liability for Willful Noncompliance, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within 5 business days of completion. Failure to do so constitutes a violation of my rights.

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of 15 U.S.C. 1681a ( d ) ( 1 ).

Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed.

( 4 ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error in the creditors accounting on a statement.

This is a clear violation of the United States Code Law ( TILA, 15 U.S. Code 1666 ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!. 

Collection Accounts listed below in yelow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately!

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report. 
Please update my credit report as per law abiding accuracy of data.
Product: Student loan

My previous Income Driven Repayment Plan was {$66.00}.
I joined XXXX XXXX and my monthly salary significantly decreased so I updated my Income Driven Repayment Plan on XX/XX/2017 to lower my monthly payments which should have been decreased to {$0.00} a month. I provided all documents including proof of income and was told over the phone my payments would in fact be {$0.00} a month due to my low income. On X/XX/2017 my repayment plan was approved but had increased to {$180.00} and was automatically withdrawn from my bank account on X/XX/2017. I contacted Navient to ask why my payment plan had increased when in fact should have decreased to {$0.00}. I was told to resubmit the Income Driven Repayment Plan Request form and proof of income. I submitted the documents on X/XX/2017 and on X/XX/2017 my request was approved but only after financial hardships living on such a low salary.
Product: Debt collection

Got a notification from XXXX XXXX about a collection added on my credit report. It doesn't belong to me. Spoke with someone at XXXX XXXX stating this person that is using my credit report to open an account under me. They were able to locate the person mailing address. I have never been to XXXX XXXX ever in my life. I've lived in XXXX since XXXX never left. Come to find out 5 people lives in that household between the ages of XXXX - XXXX years old.
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 
Please find below the specific details of the incorrect or outdated information : XXXXXXXX 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 card

On XX/XX/24 I purchased a brand new pair of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on the XXXX app. I paid {$7500.00}. The pair was listed as new but I received a USED pair missing the hang tag, extra laces, and insoles. The hang tag and extra laces can be the difference of thousands of dollars on a pair like this. As well as the pair being USED when sold as NEW. The pair also arrived completely destroyed and soaked wet. Upon opening the pair I was introduced to an extremely foul odor and mold on the shoes as well as the structural integrity of the shoe being destroyed. I immediately requested a refund on the XXXX app. The next day I found that my XXXX account had been banned preventing me from receiving any money or contacting XXXX. XXXX  send discover their agreement promoting discover to reverse the balance back onto my credit card.
Product: Credit reporting or other personal consumer reports

I was online looking at cars in I never gave anyone permission to run my credit
Product: Checking or savings account

Attention XXXX XXXX and or XXXX XXXX, This is concerning CFPB Case Number XXXX that was filed concerning missing direct deposit tax refund checks. I have the reference numbers and tracking number of the missing electronically filed and deposited tax refunds. The first year is XXXX state XXXX and federal XXXX. Then XXXX XXXX, and XXXX federal XXXX and state XXXX. These are the tracking numbers for XXXX, XXXX and XXXX. The XXXX federal return I can't seem to locate and I received the XXXX return delivered in the USPS mail. I have talked with XXXX XXXX and have been contacted by XXXX XXXX XXXX concerning the missing funds. These funds were to be direct deposited into the Citizens Bank of XXXX XX/XX/XXXXXXXX XXXXXXXX XXXX on XXXX XXXX in the XXXX XXXX XXXX in the XXXX XXXX XXXX XXXX XXXX XXXX would appreciate your immediate attention to this issue and I have filed these transaction numbers with the Federal Trade Commissionor and the FDIC Bank Insurance. I am required to file taxes since my AGI is above {$25000.00} by federal law and I receive my correct amount at the end of the year. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

Hi there, I received an invitation from BBVA Compass to open a checking account betweenXX/XX/XXXXXX/XX/XXXX for a {$200.00} bonus after direct deposit within 60 days. I applied through the link provided by BBVA onXX/XX/XXXX, and had my first direct deposit from employer onXX/XX/XXXX. Multiple representatives from general customer care, marketing and underwriter department confirmed that I am eligible and would received the bonus beforeXX/XX/XXXX.

By today, XX/XX/XXXX, I still have not received the bonus, and the rep over the phone now found the excuse that the account was approved on XX/XX/XXXX regardless my submission on XX/XX/XXXX. The delay was due to the high volume of application and slow review process from BBVA. I was informed multiple times that as long as I submitted the application before the deadline, XX/XX/XXXX, i would be still eligible. Now BBVA tried to avoid its own obligation with this lame excuse. This is not the right way to do business. At this moment, I need to seek help from CFPB.

Thank you very much, XXXX
Product: Debt collection

I recently was attempting to get a mortgage for a home. And I checked my credit report and notice the I had a false collection account totaling the debt of {$410.00}. This debt is not mine. I never has an agreement of contract with this company. I tried calling this company and was hung up on multiple times. I also sent letters to this company stating this debt isn't mine. I need this collection account removed from my report immediately.
Product: Debt collection

LVNV Funding had me summoned XX/XX/XXXX, and after XXXX court dates and no validation of the debt during all XXXX dates the attorney representing them dismissed the case on XXXX XXXX, XXXX in court and, in XXXX county TN. They were suing me for XXXX. I recently looked at my credit report and they are still reporting, and now the balance has risen to XXXX. They could never provide validation of the debt, and it was in a name which I have n't used since XX/XX/XXXX, due to a divorce. I want this removed from my report immediately. I can provide documentation, but do not have it at the moment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the 3 Credit Bureaus after I purchased a credit report with XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE items on my personal profile, I noticed that there was an Incorrect Account which is : NATIONSTAR XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$37000.00} on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/XXXX. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT XXXX and hoping that this NATIONSTAR Late payment XX/XX/XXXX 30 days late will be removed.
Product: Credit reporting or other personal consumer reports

These companies accessed my credit report without my permission, which has negatively impacted my credit score. I reached out to Equifax, and a representative said they would remove the inquiries, but theyre still there. These unauthorized and fraudulent inquiries are causing me anxiety, as I worry I might be a victim of identity theft, adding unnecessary stress to my life and further hurting my credit score.
Product: Credit reporting or other personal consumer reports

Several formal letters have been sent to all THREE CREDIT BUREAUS from the President of XXXX XXXX regarding the reporting of a INACCURATE past due payment that NEVER WAS PAST DUE, yet the credit bureaus and CREDIT KARMA are showing the amount is STILL LATE. XXXX XXXX XXXX has gone above and beyond, providing each letter and copy of the XXXX  submitted from XXXX  to credit bureaus.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and contest the accuracy of certain account listed on my credit report. Upon meticulous review, I have identified discrepancies that raise serious concerns about the integrity of the information being reported. The company sent the statements to the wrong address. I have taken proactive measures to address this discrepancy by contacting the respective company associated with this account. I am pleased to inform you that after thorough investigation, this company have acknowledged the errors and have agreed to update my account and remove the late payments. 

XXXX XXXX XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

Hello my name is XXXX XXXX. I have made a complaint numerous times to Coinbase the company to remove the restriction on my account and let me have access to my money but they have ignored me for almost 2 years with no solution and I have about XXXX in my account that I want to take back and but they are being very scammy. It is almost impossible trying to reach a live agent to help you solve your problem its so bad I have night sweats and headaches trying to get my money out and I have been stressed for 2 years trying to find a solution please help me!!!
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint regarding inaccurate and harmful credit reporting by Wells Fargo and credit reporting agencies ( XXXX, XXXX, and XXXX ). Despite multiple disputes and requests for correction, the inaccurate information remains on my credit report, negatively affecting my credit score and ability to purchase a home. 

In XXXX, I opened a secured credit account with Wells Fargo. I requested to close this account in XX/XX/XXXX. However, Wells Fargo failed to honor my request to close the account, and the account remained open. As a result, fees accrued on the account, leading to late payment ratings being reported on my credit report for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

This inaccurate reporting violates the Fair Credit Reporting Act ( FCRA ), specifically : 611 ( 15 U.S.C. 1681i ) : The credit bureaus failed to conduct a reasonable reinvestigation of my disputes within the required timeframe.

623 ( 15 U.S.C. 1681s-2 ) : Wells Fargo , as a data furnisher, failed to ensure the accuracy of the information reported and did not properly investigate or correct the inaccuracies when notified.

Harm Caused : This inaccurate reporting has significantly impacted my credit score, making it difficult for me to qualify for a mortgage and achieve my goal of purchasing a home. Despite my good-faith efforts to dispute the inaccuracies, Wells Fargo and the credit bureaus have not corrected the errors.

Pattern of Misconduct by Wells Fargo : Wells Fargo has a documented history of unfair and deceptive practices, including recent lawsuits and settlements for violating consumer protection laws. Notable examples include : XX/XX/XXXX CFPB XXXX : Wells Fargo was ordered to pay {$3.00} XXXX in fines and restitution for systemic misconduct, including improper fees, interest charges, and unauthorized account activity. 
Other Settlements : Wells Fargo has been repeatedly fined for mishandling consumer accounts, reporting inaccurate information, and failing to comply with federal laws.

These cases demonstrate a consistent pattern of consumer harm, reinforcing my concerns about Wells Fargos handling of my account and reporting obligations.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reinvestigated my updated credit report, I realized that the same accounts were erroneous. The 3 credit Bureaus are required to authenticate these accounts. It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Please investigate the unverifiable accounts listed below : XXXX XXXX Balance : {$25000.00} XXXX XXXX Balance : {$23000.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a student loan account opened at XXXX on XX/XX/XXXX Account number ( XXXX ) an student loan account opened at XXXX on XX/XX/XXXX Account number ( XXXX ) an student loan account opened at XXXX on XX/XX/XXXX Account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

XX/XX/XXXX I had {$380.00} dollars on my card I made a purchase at XXXX that night for {$26.00} woke up the next morning to {$33.00} in my XXXX XXXX account. I had just recently received several deposits and I know I didnt spend anything so I immediately checked my transaction history and pending transactions and it was nothing there besides my purchase at XXXX XXXX So I reached out to support via the app and explained my situation I was told someone would reach out via email that was 6 days ago and I have yet to speak with anyone in regards to where my money went! I have messaged them via app everyday and also called the XXXX number and they keep telling me the same thing that I have to wait to receive an email that I have yet to receive when I should not have to wait to find out what happened with my money!!!!!
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. 
XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX  XXXX : # XXXX, XXXX XXXX  XXXX : # XXXX, and XXXX XXXX  XXXX # XXXX have violated my rights. 

15 U.S.C 1681, section 602 A. States I have the right to privacy.

15 U.S.C 1681, Section 604A, Section 2 : It also states a consumer reporting agency can not furnish an 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 for crimes that antedate 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 reporting

I had a tax lien through WA state and its been paid off for over 2 years. Numerous times I have asked for it to be removed from my credit report both with XXXX and transunion and both stated I needed to ask WA state to do it. I called the state court again today and they said the credit agency needs to do it. No one is helping me and this is affecting my credit big time