23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

My partner and I opened a Bank of America joint Adv SafeBalance account ( # XXXX ) online on XX/XX/2024. I was able to authenticate and access the account online ; however, my partner XXXX XXXX XXXX ) was unable to for unknown reasons. When trying through both the app and the website, neither would acknowledge his social security number as associated with the account. We contacted customer service via phone and were told to wait a few days and/or until the debit cards arrived for him to try again on creating his profile online. On the afternoon of XX/XX/2024, I also lost access to the account online and was told I had to go into a financial center to regain access to the account. No explanation was provided at that time. 

On XX/XX/2024, we visited the XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NC ) to regain access to the account. Upon speaking with XXXX bankers, we learned that the account had been frozen/closed due to suspected debit card fraud or apparently failure to properly authenticate the owners. I can only assume this was somehow due to my partner 's information not being associated with the account despite him being a co-applicant or some other operational error on BoA 's side. In any case, we opened another joint account at the financial center which would have been the end of the issue. However, prior to losing access to the original account, I had transferred into it {$250.00} and that is where the problem continues today. 

While at the XXXX XXXX on XX/XX/XXXX, the banker stated that he had initiated a process whereby the frozen account would be closed and a check would be mailed to me within XXXX business days. As of today XX/XX/XXXX, after having visited that same financial center again, the {$250.00} remains in the frozen/closed account. I told the manager of that branch today that I really needed access to those {$250.00} and requested that I be given a {$250.00} cashiers check, and that BoA could just keep the funds in the closed account. The manager essentially told me there was nothing he could do and that I would just have to wait for the check to be sent to me. Neither he, the banker I worked with directly, nor the representatives they had on the phone today could tell me when I would be getting the check, even though it's already been nearly XXXX weeks since first trying to resolve this issue. 

This has been an incredibly frustrating experience, and I left that XXXX XXXX  today feeling like Bank of America did not care about me as a customer needing access to their funds or really even as a person taking time out of their day and visiting a branch ( for the second time ) trying to resolve a problem that was no fault of their own. I requested that the second account be closed, but I really would just like my {$250.00} so that I can move on.
Product: Vehicle loan or lease

My lease of a XXXX XXXXXXXX XXXX with XXXX XXXX, a unit of Hyundai Motor Finance, included a Purchase Option at End of Lease Term. That Option specified that there would be no Purchase Option Fee. However, when the end of the lease approached, XXXX provided only 2 possible routes to purchase the vehicleI could make the purchase through one of their dealers, who would charge a fee of {$990.00}, or I could do it through an outside contracted organization called XXXX, which charged a fee of {$560.00}. There was no route offered without a fee, despite the clear terms of the lease. 

To keep from having the vehicle repossessed by acting in a timely manner, I bought it through the XXXX option. I am now asking XXXX to make good on the terms of the lease, which they drafted, by reimbursing me for the {$560.00} fee. Despite 3 letters and 3 phone calls, they have refused to do so. This is a breach of the contract, which they should have to honor.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to Covid-19 pandemic forbearance program regulations, the law states that no late payments are to be reported to the three financial credit reporting bureau during the Covid forbearance period. I have 30 day late payments on my report that I want removed because I was negatively impacted and a victim of Covid-19 and legally these late payments should not appear on my credit reports. I contacted the creditor, XXXX, in XX/XX/2021 about these payment was told that a request for removal would be submitted to a supervisor and that I would hear back. To this day, XX/XX/2021, the late payments have not been removed and I have not heard back from XXXX about removal.
Product: Money transfer, virtual currency, or money service

Paypal has closed my account for no reason on XX/XX/2022, and will not help me with getting it back up and going. I'm not sure if this is a mistake but I assume it must be. I have not been able to get any help from them but I realized I could file a report here since I feel they are not doing their job properly and it is affecting me a great deal since I used Paypal very frequently. Also my balance is being held for XXXX months, adding up to a total of {$4100.00}. The email linked to my Paypal account is XXXX.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : XXXX am writing to dispute the following incorrect information on my credit report : [ XXXX XXXX ]. Fair Credit Reporting Act violation of XXXX XXXX, and XXXX XXXX for investigations and the XXXX XXXX XXXX B. 15 USC 1681s-2 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. 15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 
This item is currently showing inaccurately on my credit report filed with your credit bureau. 
Pursuant to XXXX XXXX. XXXX ( i ) ( XXXX ), I am requesting that this disputed item be removed permanently from my credit report immediately. This statute states that any agency which fails to maintain any record with accuracy, relevance, timelines and completeness as is necessary to guarantee fairness in any determination shall not use such record. 
Please contact me at XXXX XXXX XXXX XXXX XXXX below to let me know that you have corrected my credit report by removing the disputed item within the next XXXX days as stipulated by the Fair Credit Reporting Act. 
Thank you for your assistance in correcting this erroneous information on my credit report. 

Sincerely, [ XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX ] ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage payments were placed on forbearance by my mortgage company from XXXX XXXX XXXX XXXX due to a natural disaster. On XX/XX/XXXX category XXXX XXXX XXXX hit Louisiana and destroyed our home. Once I contacted the mortgage company they placed my account on forbearance starting XXXX XXXX XXXX However my credit report is reflecting 120 days past due for the months of XX/XX/XXXX and XXXX XXXX Also the balance on the account is reflecting {$35000.00} when the balanced owe is {$33000.00}. This is a serious violating on my consumer rights according to FRCA this violates my rights for inaccurate reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency did not make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681 ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there several inaccuracies showing on my report? 

CITI BANK is in violation of U.C.C 1-308.4, HJR 192, 12 U.S.C 411 , U.C.C 3-603 , and U.C.C 3-311.

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure.
Product: Checking or savings account

Bank of America needs to be held accountable for the accountability for financial resources, for faithful compliance. Their Reliability of managing account failed MANY on XXXX. They disturbed many lives including mine. Bank Of America failed The Principle of Regularity, Consistency, Sincerity the performance of methods, Prudence & CONTINUITY. The MOST IMPORTANT OF UTMOST GOOD FAITH.
Product: Debt collection

collections by Spring Oaks Capital , LLC. Account alleged open XXXX XXXX reported to credit bureau XXXX. Spring Oaks Capital LLC claims to have purchased debt on XXXX and states they allegedly sent a verification letter which I never received. They are reporting the original creditor as XXXX XXXX XXXX bank but state they purchased debt from XXXX  bank ... the report has the account being opened on XXXX XXXX which is false this is when spring oaks states they purchased a alleged old debt account not the date of which account was opened .the reporting to the credit bureau does not indicate the original debt nor the original date the account was open. The date could be older than 7 years but definitely older than the 4 month they are Misrepresenting in the reporting to the credit bureau. I have made numerous attempts to have this resolved through the bureau as well as other avenues
Product: Debt collection

I have been getting calls from Midland credit. They call constantly using obscene tactics in fear. I was told from a caller because I could n't afford to pay that he " Knew a place I could get XXXX free meals a day ''. They have somehow gotten my mother 's phone number and told her they have a case with me with the XXXX XXXX district attorneys office. They are also now calling my partner 's parents. I have no idea how they are getting this information and the harassment will not stop. I saw there is a pending case on them as well.U.S. v. XXXX XXXX XXXX XXXX, XXXX, U.S. District Court, XXXX District of New York, XXXX. I feel helpless to stop these harassing and embarrassing calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dispute submitted to Experian, XXXX  and XXXX  on XX/XX/2020. The reporting agencies have failed to removed the items being disputed, I am a victim of identity theft.
Product: Credit reporting or other personal consumer reports

I did not give expressed written consent to or authorize any third-party consumer reporting agency to furnish data on the following accounts and I have the right to privacy, please be reminded, no consent is identity theft : Account : 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  Please promptly remove this data within 5 business days pursuant to 15 USC 1681-C-2 to avoid any further legal proceedings. Thank you for your timely response.
Product: Debt collection

I received a letter from Credit Management LP that I owe a creditor XXXX XXXX ( XXXX ). 
But I believe that I do not owe money. 
The letter from XX/XX/21 Amount : {$59.00}
Product: Debt collection

I had a loan with Good Leap for solar panels. I paid off the loan and they sent {$45.00} to a write off on this loan if that so then I should not have congratulations on paying off your loan letter. Then they had all these late payments, which I didnt. I spent hours and hours on the phone with them and months. This is been going on for over a year. They told me they were wrong. They were going to correct it and then they didnt then they said they never said that why would I pay over XXXX in debt and not pay the {$45.00} that they said I paid late. i have good credit Except for what they have put down
Product: Student loan

On XX/XX/2020 I was charged {$470.00} for student loan payment. Per the COVID-19 emergency relief period I'm eligible for a refund for payments made after XX/XX/2020. I've contacted FedLoan Servicing and they said they made a request for a refund, but it could take up to two months. I followed up after two months when I haven't received the refund, but I can't get FedLoan Servicing to respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to check my credit report and I can't even verify that it's me because I don't have the " correct '' answers to the verification questions. I believe someone has stolen my identity around XX/XX/2013 when my X-Box was stolen. I don't have any evidence that's it's me because it's been going on for so long without me knowing it. I have a military ID and a SS card to prove it's me.
Product: Debt collection

LVNV Funding Llc XX/XX/2016 {$950.00} That bill doesnt belong to me never made such spending and never used any credit from that company I have no idea why it stands on my report and I request urgent removal from my credit report Ive also tried to dispute through XXXX.However I never received any email or mail regarding such bill.
Product: Debt collection

I do owe a medical debt. Everest Receivable Services sought the debt out and it is in collections. This I do understand. I am willing to make my first payment in XX/XX/XXXX but this is not good enough for them. They want a payment right now. I didnt even know I owed this debt until last week. They did try to do a settlement which I appreciated but they were VERY RUDE when I explained that I couldnt pay anything until XX/XX/XXXX  XXXX I think his name was. Said Well Im sure you can find some money somewhere. He also said You dont get to make that decision anymore you need to pay something right now. He preceded to scream at me over the phone and upset me very badly. He called me today again and I again preceded to tell him I can not make a payment until XX/XX/XXXX and he said No you dont get to negotiate that you need to make a payment now. He began to get very rude again and I reminded him that he was the one that was rude last week and he offered no apology or anything. He preceded to throw it all back in my face. I am a single mom and I am having a lot of health problems and I explained that this to him. I live with my parents and he said that well since your living with your parents you should have some extra money somewhere. 

I am very upset by all of this. I barely make ends meet. I cant just make money magically appear. This has me very shaken. This company uses intimidation tactics to talk to their clients. 

XXXX is an absolute bully and is terrifying to talk to and has made me cry twice! 

My XXXX year old daughter was around for both of these conversations and it upset her terribly. No one should be yelled at and treated like this!
Product: Credit reporting or other personal consumer reports

On my credit report from both TransUnion and XXXX it says I have a 30 days late payment on my XXXXXXXX XXXX XXXX from XX/XX/XXXX. I disputed the late payment ( with TransUnion and XXXX ) because on my bank statement I have a payment to the card on XX/XX/XXXX. ( My payment date each month is the XXXX. ) This means my card would've only been XXXX days late, not XXXX. Both agencies rejected my dispute. They then referred me to XXXX to ask them to change it but XXXX stated to me that I can't dispute it through them and I have to go back through the ratings agencies. On top of this the PDF of the dispute XXXX gave me was extremely hard to understand and was XXXX pages long, while TransUnion didn't even give me a file to review. Lastly, during XX/XX/XXXX I was switching banks and was starting a new job at the time which is the reasoning for the payment being slightly late in the first place.
Product: Checking or savings account

An irregular amount of unauthorized transactions have been occurring daily. My account has been compromised for years.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Complaint is in response to the XXXX XXXX, XXXX letter I received regarding my goodwill request to have late payments removed from my credit score report. In the letter I was told that such reports could not be removed due to regulations promulgated by the DOE and the FCRA. Contrary to these assertions, by failing to update previously reported information, Department of EducationXXXX is in violation of Section 623 ( a ) ( 2 ) of the FCRA.

I have attached an FTC advisory opinion which interprets Section 623 ( a ) ( 2 ) of the FCRA. The issue posed in the advisory opinion is how a lender is to handle a situation when subsequent information  updates a report that was allegedly accurate when it was made but no longer is accurate in the present time ( i.e., the identical situation I am currently in ). 
The advisory opinion states that the Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by furnishers, or persons who furnish information to consumer reporting agencies ( CRA ) such as credit bureaus. In particular, this section requires a person that has furnished to a consumer reporting agency information that the person determines is not complete or accurate to promptly notify the consumer reporting agency of that determination and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to update accounts as well as to correct. 
, Department of Education/XXXX representatives told me that because the delinquent payments were accurately reported in XXXX of XXXX that any subsequently initiated deferments would not allow for, Department of Education/XXXX to update reports to CRAs to show that the payments were not late and actually in deferment. However, Section 623 ( a ) ( 2 ) clearly shows that the reports must be updated/corrected regardless of whether they were accurate at one point. * All of my, Department of EducationXXXX accounts that were part of the XXXX XXXX late payments show deferment status effective as of XXXX/XXXX/XXXX. Therefore, my credit reports do not currently accurately reflect previous payment statuses with, Department of Education/XXXX, both as they actually existed and as XXXX has recorded them. I am thus requesting that in compliance with Section 623 ( a ) ( 2 ) of the FCRA that the three accounts showing a 60-day late payment in XXXX XXXX be updated and/or corrected and removed. 
In the event that these reports are not immediately updated to accurately reflect my payment status during XXXX XXXX, I intend on filing disputes with each credit bureau in addition to official complaints with the FTC, and the BBB, and pursue other legal routes if necessary.
Product: Checking or savings account

Chase Bank held my stimulus check so that I would overdraft my checking account. Once I did overdraft my stimulus check was made available. Chase then credited money to my account without my authorization for all fees accrued due to them holding my stimulus check. Then they took the amount credited from my account 29 days later, which was when I was made aware that this was happening with my account. I did not sign or offer any approval and did not at anytime ask chase bank for any assistance with anything regarding my stimulus check. Assistance is for those who need it, how does Chase determine who needs assistance without first communicating and asking thier consumer? I have no rights as a consumer if I have no choice in regards to my funds. Sending an email is not proper notification for chase changing their service agreement in regards to overdraft fees and not first sending me documentation and proper notice they are doing so.
Product: Checking or savings account

I was offered a job, then sent a check to buy equipment, told to transfer the money and once I did they bounced the check and the bank took the money from my account.
Product: Credit reporting or other personal consumer reports

CCS collections is attemping to collect debt on behalf of liberty mutal. date open was XX/XX/21 last date of activity was XX/XX/21. I have never own, leased, or rented a vehicle or home that had this company as an insurance policy holder. this debt was placed my credit fraudlently. I disputed with XXXX and XXXX credit reporting agency and they both recognized this as a debt that does not belong to me. It was deleted. Now this is on XXXX and it has not been deleted I have disputed this numerous times. Their is no proof that i have ever own, leased or rented a home or vehicle associated with this company. This is fraudulent. Again this is a Violation of 15 U.S.C. 1681i ( 5 ) removal of all inaccurate/invalid credit. Please remove immediately
Product: Credit reporting or other personal consumer reports

I currently have three fruad accounts and inquiries on my credit report. 


XXXX. XXXX XXXX {$760.00} XXXX. XXXX XXXX  {$210.00} XXXX. XXXX XXXX XXXX XXXX {$750.00}
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in XXXX  days to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX
Product: Consumer Loan

BBVA Compass reported to my credit a derogatory charged off loan even though the vehicle was paid off in an insurance claim. They have lied and ruined my financial status, I have been denied credit and have spent over 100 man hours trying to get this banking institution to fix this