23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am writing this complaint with regards to a charge of {$640.00} on my Credit Card account, related to a transaction with XXXX XXXX on XX/XX/2023. 

On XX/XX/2023, I received a call from the district manager of the XXXX XXXX store ( XXXX ) in XXXX, NY where the incorrect tires were installed on my car without my knowledge or consent. I was pleased to hear that the district manager fully acknowledged the error by his store and agreed with me that I should not be held responsible for the cost of incorrect tires placed on my vehicle, given that they were installed without my knowledge or approval.

Additionally, I was informed by the Store Manager that the employee responsible for the " bait and switch '' tactic has been terminated by the store. This action further reinforces the acknowledgment of their mistake and strengthens my case against the unwarranted charges for wrong tires.

As the representative of the store, the district manager recognizes the merit in my complaint and shares my concerns regarding the unauthorized transaction. Therefore, I kindly ask that you proceed to close this dispute in my favor, as I believe it is evident that I should not be held liable for something I neither requested nor was aware of. 

Last, but not least, attached please find XXXX XXXX response to XXXX XXXX XXXX on XX/XX/2023 supporting my conversation with XXXX, the XXXX XXXX District Manager that I've described above, and the company 's care and support for my concern and request for a refund. 

Thank you for your attention to this matter. I remain hopeful for a swift and fair resolution to the dispute. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing with the utmost urgency to demand immediate action regarding the fraudulent accounts and erroneous information unlawfully reported on my credit file. As a victim of identity theft, it is imperative that this situation is promptly rectified. I insist that you take the following actions forthwith : Expunge all fraudulent accounts from my credit report.

Provide written confirmation that these items have been removed.

Conduct a comprehensive investigation into how these accounts were erroneously reported.

Ensure that all future credit reports reflect accurate information and are devoid of any fraudulent activity. Pursuant to the Fair Credit Reporting Act ( FCRA ), it is your legal obligation to investigate and correct errors on credit reports. Failure to comply with this request promptly will result in a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and potential legal action. 

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: Vehicle loan or lease

Low country credit sold me a lemon car, I could not. Afford to repair car, transmission cost XXXX To repair, I returned car, on my credit report is reporting that I still have vehicle, every month is saying payment past due, late payment
Product: Debt collection

On XX/XX/2018 I received notice from XXXX, via credit alert, that Waypoint Resource Group had put an account in collections under XXXX XXXX ( which I have never had service ). I had not received written notification of this debt, nor my rights as a consumer, including the amount they alleged that I owed, who the original creditor was/is, or information about what I can do if I think I do not owe the debt. 

Subsequently, on XX/XX/2018, I sent them a letter notifying them that this lack of notification violated 15 U.S.C. 1681 ( 2 ) of the FCRA. I also asked for validation of the account pursuant to 15 USC 1692 ( g ).  The letter asked them to cease collection activity immediately. 

Waypoint did not cease collection activities. They did responded on XX/XX/2018 but did not respond with proper notification, nor any validation of the debt. 

They updated the account status as having been " disputed ''. However, this was delinquent. ( 30 days after receiving notification of dispute ). Waypoint acknowledged that they could not validate the debt, however collection efforts continue
Product: Credit reporting, credit repair services, or other personal consumer reports

hello I noticed that there are unauthorized inquiries on my credit report that I did not authorize the company name is XXXX XXXXXXXX XXXX XXXX XXXX I did not authorize this inquiry they added this to my credit report on XX/XX/XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

My previous complaint was closed, XXXX, but not resolved to my satisfaction. A small amount was deducted but my point was not addressed. I received a notice for the first time 8 months after the leased vehicle was returned and was refused to be present. This should not happen and now BMW expects full payment in 2 weeks.Also the online amt due is not reflected to what it was adjusted to.
Product: Student loan

My loans are serviced through MOHELA. For the past month their website/server has not been working. I am unable to access my accounts to make changes and view balance, status, etc. since their website isnt working, I cant find any other contact information. I am completely unable to do anything related to my loan, including adjust my payments.
Product: Money transfer, virtual currency, or money service

I started an XXXX Transfer from Optum Financial to XXXX on XX/XX/year>. 
Optum Financial was negligent and never sent my funds to XXXX. 
Funds were withdrawn from my account and nobody knows where they are at. 

After calling multiple times, Optum Financial says the funds are expected to arrive on XX/XX/year>. 

HOW CAN A SIMPLE TRANSFER TAKE UP TO 2 MONTHS?????? 
Imagine is someone is having a a medical emergency and needs to transfer XXXX funds that take 2 months ... Shameful experience using Optum Financial.
Product: Debt collection

To Whom This May Concern, A copy of the original contract or original purchase agreement that created the alleged debt If the original contract is sent, it must include signatures for all parties. Any agreement sent must be with the original creditor and must include the original terms and conditions of the agreement that created the alleged debt, including all addendums and riders.

In addition, please send proof of chain of ownership of the alleged debt and include proof of assignment for each change of ownership. Proof of chain ownership must be from the original creditor to the current alleged owner without any break in the chain. 
Also include a full accounting history from the original creditor including the date and amount of each payment and the Date of First Delinquency leading to the collection status. 
If any interest or fees have accrued to been added on the balance, please send proof that such proof that such fees are lawful and agreed upon in the original purchase agreement.

Proof that you are legally allowed to collect on alleged debts in the state of Florida, including your third-Party Debt Collection Bond.

Also send proof that you sent the legally required notices to me before reporting to alleged debt to any consumer reporting agencies, including copies of the original notice and any letter tracking you firm maintains. FTC XXXX XXXX  XXXX XXXX makes clear that it debt parking without proper notices is a violation of consumer rights.
Product: Credit card

A credit card was opened in my name and I didn't open it. It is a Amex/cbna. It was opened in XX/XX/2024. I called the company and they said they are sending me a letter.
Product: Checking or savings account

Wells Fargo started charging me a monthly maintenance fee on account that should have been closed and the balance was XXXX dollars. My accounts are linked and I have enough balance that I should not be charged any fees. 
When I reported it to Wells Fargo they agreed to pay back HALF of the maintenance fees they charged me. I want all of it back.
Product: Mortgage

In XXXX I filed bankruptcy up until that time. The payments were taken out automatically {$610.00} and XXXX the Harris Bank found out about the bankruptcy, and They stopped taking the payments out automatically, and said we have to start making the payments, but they never told me that XXXX of the payments had not been taken out of our account. in XXXX they went to a new account firm XXXX still under Harris Bank, I made every payment never late but not knowing these two payments were missing until they sent me a letter saying I owed {$15000.00}, I said No I don't, it was Covid, so I couldn't go into the bank, but I was on the phone with them telling them I didn't owe anything because I did not know of the two missing payment at that time. Once I did I asked them to correct the amount owed and I would paid them, because At that particular time to my knowledge I have paid every payment and never been late and even now I have the papers & proof from their bank that says the very same thing other than those two payments that were missing in XXXX. My attorney said the judge was going to rule in our favor but judge ruled against us with all the proof that we had. She said that because we were behind even one payment, the bank, could call in the loan, before hiring attorney, I was in the bank more than 14 times even the bank XXXX understood the problem, but could not get it fixed. Even people in customer service understood the problem, but could not get it fixed. They said it was not in their department.
Product: Prepaid card

I have XXXX prepaid XXXX Debit Gift Cards from the site www.prepaidgiftbalance.com which is issued by US Bank National Association. One card is {$25.00} and the other {$50.00}. Both fail to register successfully on their website and the hotline can provide me with no information on the accounts. What a scam!
Product: Money transfer, virtual currency, or money service

Gemini doesnt answer my questions via mail or via from here. I just ask them a lot of question they just give copy-paste answers. 

i have a problem since XXXX w/ Gemini and didnt get any help from them. I just sent accidently SPL-USDC to Gemini, assets sitting in my XXXX XXXX XXXX easy to reach but they are refusing to help. Worst Spport, Worst Technical Exchange, Worst helper exchange ever. 

1- ) is gemini have a access to move tokens from depository account which is belong to me? i can see gemini doesnt have a access to depository accounts, which is a huge problem if people rush to exchange for withdraw tokens. 

2- ) if you guys have access to XXXX account they easly can access my funds to send back to me. so whats your answer? 

3- ) In agreement '' Your property if sent to your XXXX Account or XXXX Account '', i sent to my depository account which is belong to me. I want to use my right and give my money. You cant extortion my money its belong to me. 

4- ) In agreement ''You agree and understand that a Digital Asset of an Unspported Network or a Digital Asset that operates on top of a Spported Network is not a Spported Digital Asset ( each, an Unspported Digital Asset ), unless it is explicitly named as a Spported Digital Asset herein XXXX '' which USD Coin is spported by Gemini. 

5- ) In agreement ''You agree and understand that a XXXX XXXX XXXX is not a upported Network ( each, an Unspported Network ), unless it is explicitly named as a Spported Network herein. '' which XXXX XXXX is spported by Gemini. If they dont have token recovery system XXXX XXXX is not my problem, you have to do it what ever it takes, you need to figure out.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information appearing on my credit report. Upon reviewing my report, I identified several discrepancies regarding my address. These inaccuracies are not associated with me and must be removed to ensure the accuracy and integrity of my credit profile. To ensure my credit report reflects accurate and up-to-date information, I request that my personal information be updated as follows : Full XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To support my request, I have included the following documentation : A copy of my government-issued ID confirming my legal name and date of birth. 
A recent utility bill to verify my current address. 
A copy of my Social Security card to confirm my SSN. 

This correspondence serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I respectfully request that your agency : 1.Conduct a thorough investigation to identify and remove any inaccurate personal information from my credit report.

2.Update my credit profile to reflect the correct information as listed above.

3.Provide me with a written confirmation once the corrections have been made, along with an updated copy of my credit report. 

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
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : USDOEXXXX Account Number : XXXX and list of Inquiries. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

My issue is with TransUnion 's continued use of two accounts on my credit file. They are XXXX XXXX XXXX and XXXX XXXX. Both of these accounts were reaffirmed in a bankruptcy I filed in XXXX. The derogatory marks on my credit report related to that bankruptcy SHOULD NOT be reflected on my credit report. It is important to note that XXXX  does not show these accounts! Further, both of these accounts have been closed for quite some time ( XXXX account was closed on XX/XX/XXXX and XXXX XXXX  was closed on XX/XX/XXXX. ) I was NEVER late on either of these accounts! There should not be anything derogatory on my credit file - whatsoever. 
I contacted TransUnion to advise of the situation, and they said there was nothing that they could do. They said it had to do with the " reaffirmation of debt '' status and THAT IT WOULD NEVER BE REMOVED!! This is so ridiculously unfair and has to be illegal!!! They said that I had to dispute with XXXX and XXXX! WHY when they should be removed from credit file - the companies have already reported 100 % on time payments and closed! 
There should not be any negative/derogatory remarks on my credit for a bankruptcy filed over ten years ago!! I want these removed immediately - as per FCRA guidelines.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX Balance Owed : {$170.00} ; XXXX XXXX XXXX Balance Owed : {$390.00} ; DEPT OF ED/XXXX XXXXXXXX XXXX Owed : {$48000.00}.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a discrepancy in my credit report regarding the payment history on Account XXXX XXXX reported by TransUnion and Experian. According to my credit report from Equifax, the total number of late payments is reported as 11, not 21, as reflected in both TransUnion and Experian reports. The Remarks also dont align nor do the dates the accounts were opened. The terms and account also dont align.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, all information in my credit report must be accurate, complete, and verifiable. This includes ensuring consistency of the data across all three credit bureaus. The discrepancies in the reported number of late payments between TransUnion, Experian, and Equifax are a violation of the FCRA, which requires the correction of inaccurate information. Additionally, under FCRA 1681i, I am entitled to a timely investigation of any dispute I raise regarding the accuracy of information on my credit report. If a report is found to be inaccurate or incomplete, it must be corrected or deleted. 
Furthermore, under the California Consumer Credit Reporting Agencies Act ( CCRAA ), California Civil Code 1785.1 et seq., credit bureaus are obligated to ensure that all information they report is accurate and up-to-date. Discrepancies such as this undermine the reliability of credit reports and create an unfair disadvantage to consumers. Specifically, California Civil Code 1785.14 mandates that once a dispute is raised, the credit bureau must promptly investigate the accuracy of the disputed information and correct any inaccuracies.

I request that you immediately conduct a thorough investigation of the disputed late payments and update my credit report to reflect the accurate total of 11 late payments, as reported by Equifax. Failure to address these discrepancies may be considered a violation of the above-mentioned laws.

Under both the FCRA and CCRAA, I am entitled to receive a written response confirming the outcome of your investigation within 30 days. Should the discrepancy not be corrected, I request a detailed explanation of your findings, including any documentation or evidence used to support your investigation, as required by law.

Please also provide me with an updated copy of my credit report once the dispute has been resolved, reflecting the correction of the late payment history.

I trust that you will take prompt action to ensure compliance with FCRA and CCRAA to prevent any further harm to my credit and financial well-being.

Thank you for your immediate attention to this matter. I expect the dispute to be resolved in full compliance with both federal and California state laws.
Product: Checking or savings account

I deposited a check for XXXX XXXX dollars at the time of deposit I owed Bank of America XXXX more or less from a claim after hold was lifted boa took there money I purchased something for XXXX XXXX dollar and boa stop access to my account I would call call just to be left for hours transferred to wrong department on purpose everyday Id start calling XXXX XXXX to be on hold till almost closing time so now after they got there money now they are calling it fraud so boa took the XXXX XXXX that I spent contacted the company took my money from there held it for long time. They sent me the check for XXXX XXXX so i deposited it my sons account they stopped payment so i went into back they said to call the XXXX number have them issue me a new check and they said they would. And never received it during all this i have had a XXXX from the stress and which my face is still XXXX so when i got out of hospital i started calling again again mind you these people are rude lying to me about my money they stole but if that were us stealing we would be in XXXX which they should be they stole my money read other peoples story and it sounds to much like mine whats really going on I used to be proud to be an XXXX now its so embarrassing that our own people steal from us cant trust no one
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed I had fraudulent accounts on my report. Please remove these fraudulent accounts from my report because they are hindering me from obtaining credit. I don't recognize these accounts. 

XXXX XXXX XXXX XXXXXXXX {$230.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$120.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$230.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$2000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$450.00}
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : On XX/XX/XXXX, I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Already Made Before Due Date : The payments were made before the due date. I have provided bank statements and payment confirmation receipts that clearly show my payments were processed well before the due date and should not have been marked as late. 
Clerical Error at XXXX 's End : There was a clerical mistake where XXXX incorrectly reported my account as late, despite confirming that my payment was received on time. I have attached communication with XXXX acknowledging that the late reporting was due to a system error, and that the payment was processed correctly. 
Incorrect Reporting Due to Closed Account : My account with XXXX was closed by the creditor, which further complicates the reporting of late payments after the closure. This account should not have reflected any late payments beyond the closure date, and I have attached the account closure confirmation from XXXX as evidence. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 
As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

lam a natural person, I am a living human being, I have rights under 15 USC 1681. 
Transunion, XXXX is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give XXXX nor Transunion written permission to furnish these accounts. 
Removed the accounts or look forward to future litigation.thank you. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX