23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, XXXX  an online domestic wire was initiated by me from our business XXXX by XXXX 's bank XXXX, to a recipient 's account at Bank of America. Bank of America would not complete the deposit even though it received the funds. My bank requested a refund on XX/XX/XXXX, again on XX/XX/XXXX and finally on XX/XX/XXXX via the swift system. All requests were never responded to, and XXXX closed the refund request on XX/XX/XXXX. I just asked them to reinitiate a refund request and am on hold with Bank of America currently. It is impossible to get ahold of anyone there. The recipient never received the funds, and Bank of America won't return them. This is absolutely unacceptable, and criminal charges should be filed against them for illegally holding our money. It is stealing. When finally reaching someone at Bank of America, after being on hold for 30 minutes, the call was disconnected after someone said hello.
Product: Credit reporting or other personal consumer reports

Transunion has reported XXXX collection accounts on my credit report although i submitted a dispute it remained on my credit without proof of verification.
Product: Credit reporting or other personal consumer reports

I entered an auto loan contract with Credit Acceptance on XX/XX/XXXX for 33months and I have doubled the payments and I only owe is {$870.00} and for the last two months they have reported to all 3 credit bureaus still saying I owe {$1300.00} and my credit has fallen XXXX points, my account number is XXXX, the car will be paid off on XXXX XXXX XXXX XXXX
Product: Debt collection

In XXXX of XXXX I was billed for a medical procedure from XXXX XXXX XXXX Hospital in XXXX XXXX My insurance company also received the bill and paid the total amount due of {$660.00}. The hospital mis-coded the payment and used a balance that should have been returned to me in overpayment towards this bill leaving {$590.00} as a balance under my name. I was contacted by a debt collector in XX/XX/XXXX for payment. When I connected with the hospital patient account team they asked me to prove that it was paid. I pulled screen shots of the details from teh HSA and showed that it was mailed on the XXXX of XXXX and cleared and cashed by the hospital on the XXXX of XXXX thus the account should be over what is owed. Their response was send us a copy of the check. Which I didn't send nor had access to since it was sent from the insurance company. On XX/XX/XXXX the hospital replied saying they would follow up with posting department to verify and review and that I needed to give them time. No response. XX/XX/XXXX I start getting calls again from the debt collector. So I reply to the email chain asking if they could please reach out and let the debt collector know I had paid. No response. XX/XX/XXXX my credit rating drops for a debt that is not paid. Guess what debt ... {$590.00} medical bill. So I reach out again... no response. My husband has spent this entire week calling daily on this to the hospital. They have acknowledged that it was their error and we supplied all we could in the original email exchange in XX/XX/XXXX, but could we call the insurance for a copy of the check because they can't find where it was cashed. So they have done no work on rectifying the fact they cashed the check, wrongly posted it, kept money that should have been refunded to me over a year ago, and now we got the copy of the check sent to them and now I have to keep following up for my credit score to be corrected. How in all of this following the process and being an insured patient have they done anything to rectify that they made huge mistakes! My credit is not affected, I was never delinquent nor was I in the wrong yet I have had to be harassed with debt collector calls, 5 days of non-stop calling and they now have a copy from the insurance company proving they cashed the check in XXXX of XXXX.
Product: Checking or savings account

I been banking with Chime for over 3 years and I go to sign into my account last night and it says my account is XXXX XXXX XXXX. I email Chime support and the only thing they said was that I did not comply to the deposit agreement but I get my son 's XXXX check direct deposit into my Chime account every month plus get child support deposit into my account too. I even called Chime and they said the same thing that I did not comply to the deposit agreement and that I would get a check in 30 days if any money is owed to me and I did have money in there. I talked to a chime supervisor and she said the same thing and nothing else other than I needed to email chime support I told her I did already and they did not give me any answers. I even emailed Chime support again and so far nothing. The account was closed on XX/XX/2023 and I never got a phone call about it.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 




Open Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Closed Account : XXXX XXXX XXXX # XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX, OH XXXX Account number XXXX I have been trying to contact the credit agencies and furnisher of this account, as after reviewing my credit report I noticed this charged off account that showing negatively on my reports. I am demanding CFPB to enforce federal consumer financial laws and Fair Collection Practices Act. I am demanding this account be removed from all reporting agencies asap. 

remove from all reporting agencies and mail me an updated report from all reporting agencies once updated.
Product: Credit reporting

I had received XXXX credit inquiries from a company called XXXX XXXX on XXXX XXXX and XXXX XXXX, both of which I had not authorized. I am signed up for credit report alerts service, which alerted me to these unauthorized inquiries. I got the information and then checked with the above company and they said that the inquiries were made in error, apologized and also sent me a letter stating that the inquiries should be deleted from my record, which I then forwarded to Equifax over a month ago. However, till date, Equifax has n't deleted those inquiries as required by federal FCRA act.
Product: Mortgage

Representatives tell you to sign and they have different numbers, that we are only signing estimates, then we put down the good faith deposit, which since we wanted better numbers, he said he would get them to us before they processed the withdrawal, we received the charge immediately, but did n't have the estimates to say if we wanted to even continue with the loan. stated we would get the full {$500.00} deposit back, since we were not doing the appraisal, and I advised them on credit fee as well. They agreed to do the full {$500.00} back, but as of now, they said what ever the rep said over the phone did n't matter because they have a written confirmation that says they would take out fees. Also the loan has been withdrawn and they state they will not release or start to process those funds back to us for over 10 days! we were told this would be immediate, but as stated again, they refer to the agreement which does n't have a date, it literally says when your loan is withdrawn you will be refunded, not 10+ days later.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence dated XXXX in which I disputed the following collection account on my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act ( CFPA ) : Creditor/Collection Agency Name : XXXX XXXX Account Number : XXXX Amount : {$0.00} Date of Account : XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

Your response regarding the disputed accounts and inquiries, including XXXX XXXX XXXX XXXX and XXXX XXXX, is unacceptable and in clear violation of federal law. You have a legal obligation to ensure the accuracy of the information you report, and your blatant disregard for compliance will not be tolerated. 

Issues with Your Response : 1. XXXX XXXX XXXX XXXX and XXXX XXXX : You claimed XXXX XXXX is not reporting on my credit file ; however, I checked my Equifax credit report, and it is still present. This is a direct violation of your obligation under 15 U.S.C. 1681i ( a ) to properly investigate disputes and ensure accuracy. Reporting false or misleading information after a dispute constitutes willful non-compliance under 15 U.S.C. 1681n and is grounds for legal action. 
XXXX. Unauthorized Inquiries : XXXX XXXX XXXX XXXX and other inquiries I disputed must be removed. Your response that inquiries are a matter of fact is baseless and contradicts 15 U.S.C. 1681e ( b ), which requires you to follow reasonable procedures to ensure maximum possible accuracy. I DID NOT AUTHORIZE THESE INQUIRIES, and your failure to verify them with proper documentation is a violation of my rights. 
XXXX. Willful Non-Compliance and False Statements : You claim inquiries and XXXX XXXX are not reporting or can not be removed. That is a LIE, and under 15 U.S.C. 1681n ( a ), willful non-compliance subjects you to liability for damages, attorney fees, and punitive damages. Additionally, knowingly providing false information to a consumer violates 18 U.S.C. 1028A ( Aggravated Identity Theft ). 

Reference to Current Legal Action Against You : I am aware of the ongoing lawsuits filed against Equifax by the Consumer Financial Protection Bureau ( CFPB ), holding you accountable for inaccurate reporting, failure to investigate disputes properly, and other violations of the Fair Credit Reporting Act. This only reinforces your lack of integrity and failure to comply with federal standards. 

Demands : XXXX. Remove XXXX XXXX XXXX XXXX and XXXX XXXX from my credit report immediately. 
XXXX. Remove all unauthorized inquiries, including XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX within 7 days. 
XXXX. Provide the detailed method of verification used to validate these inquiries, including original documentation from the data furnishers proving I authorized them. 

With my state Attorney XXXX office and file a formal suit. Furthermore, I will explore legal action for damages due to your continued violations of the FCRA and willful negligence. 

You have 7 days to respond and rectify these issues. If I do not receive confirmation of removal and satisfactory verification of your investigation, I will escalate this matter immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN COMPLAINT Experian intentionally refuses to be in compliance with FCRA laws & more importantly Fair and Accurate Credit Transactions Act ( FACT Act ) of 2003 enacted by congress. 

On the onset, Experian, indicated there was a reinvestigation which signals an initial investigation was done. Results from that investigation were neither logged, rendered, nor provided to Ms. XXXX, in 30 days and or til date, despite Ms. XXXX repeated requests. Second, Ms. XXXX requested Experian to provide the method of accuracy & verification used by Experian pursuant to FCRA 611et.seq. and or 611 ( 5 ) ( A ) ; and Experian remains non-compliance till date. Third, Ms. XXXX requested Experian to provide a court order judgment showing that named Creditors listed was the injured party and or an order of this allege debts with a judicial signature with circuit/district 's stamped seal regarding account # s listed for Creditors. Thus proving its legal accuracy & verification of this allege debt belonging to Ms. XXXX. Hence, Experian again went silent.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my report to this complaint on the following dates XX/XX/year> and XX/XX/year>. I'm now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified, I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Product: Checking or savings account

I had a deposit to put my account in a positive balance, the next day they showed me over drafted because of a fee for something that shouldn't have been added the fee because I brought it back current before anything cleared. I tried to call and speak with them because this was an error adding on their part and they wouldn't help me. I mean the guy i spoke with works for a bank but doesn't know what CFPB is.
Product: Debt collection

I ordered cable service with company and upon install my personal property ( television ) was damaged and cable service did not work. I immediately cancelled the service and returned the equipment. Service provider continues to attempt to collect on a debt that I do not owe, nor agreed to pay. Consequently, debt was reported to credit bureaus and I have disputed it with no favorable results.
Product: Credit reporting or other personal consumer reports

I have repeatedly asked these credit agencies to stop reporting these accounts due to iXXXX XXXX. XXXX, Equifax, and XXXX. They refuse to do so even after providing my FTC identity theft report.
Product: Credit reporting

Hello, I requested my credit report from TransUnion only to find out that both my information and my sister 's info is mixed together under our individual SSN. When they pulled out my info with my SSN it has her name as Personal Information and my name as XXXX. The same thing happened to my sister as well when she checked her info with her SSN. Her Employer, Credit Cards, etc are all mixed with my info. I have called TransUnion XXXX times to get this issue resolved. They claimed they have resolved it on their end but I will have to call XXXX and XXXX individually in order to resolve the issue with them.
Product: Debt collection

I keep receiving phone calls for a Sallie Mae debt collection for XXXX XXXX. I expressed multiple times the calls were harrassing. I don't know her outside of selling her a home in 2017. Remove my number and don't call me again. I then received yet another call, XXXX ext XXXX.
Product: Credit card

Dear sir, Yesterday, XX/XX/XXXX, I received an email to my XXXX address regarding my Chase Bank credit card. I have serious issue regarding your company credit card, that I was closed my original credit card ending XXXX on XX/XX/XXXX due to the illegal transactions as stated below, which I reported to reportfraud.ftc.gov : Today, XX/XX/XXXX, I checked my credit card account of Chase Bank online and found out 3 unrecognized transactions on XX/XX/XXXX and XXXX. On XXXX, there were two transactions : the one by XXXX, which amount was {$89.00}, and another one was XXXX, amount was {$10.00}. The last one was by XXXX, {$100.00}, which was pending on XX/XX/XXXX. I have checked my order history of XXXX XXXX, and checked I did not purchase such amounts. Regarding XXXX, I recently paid only cash ; therefore, it was impossible. After founding online at Chase website, I filed them, closed my credit card, and called the customer service. All available records, including Chase and XXXX, were printed out. 

Of course, I expect all illegal transactions stated above will be invalid and refund all money {$200.00}, totaled from {$100.00}, {$89.00}, and {$10.00}. 

After checking my voicemails, I had decided to call back Chase to notify that I had received the call. Later, I had received a call from Chase customer service, either XXXX or XXXX to answer my call on XXXX. Curiously, the person, who had a private company extension number, called me with this probably regular customer service phone number, even though I called the chase bank number that was not customer service number. This customer service call was either at XXXX or XXXX. 
Later, XX/XX/XXXX, due to the notice from Chase bank to my email, I checked what stated on the website led by its link. And, today, after revisit of all procedure yesterday, I realized that the message on this website stated the issued card number as ending XXXX ; even though the closed card number should be ending XXXX. I enclose both email from the bank and this statement here. Also, I enclose the page of Statements and Documents including the credit card number ending XXXX, which link open or save connected with monthly statement. Because I wanted to check the illegal transactions made by credit card in concern, I made sure the existence of them. I realized one transaction, which I purchased by myself on XX/XX/XXXX was on process to delete/clear from the record ; even though other illegal transactions were stayed on the record. Also, even though I made claim on all this illegal usage of XXXX and XXXX transactions, they needed to be claimed again. Still, after several attempts to claim, they stayed as not claimed. I enclose the printout with orange highlight, and a record of XXXX transaction as a reference. 

Sincerely,
Product: Credit card or prepaid card

In XXXX XXXX, I opened a build.com credit card ( Comenity Capital Bank ) with XXXX to purchase appliances. I purchased a refrigerator/freezer set in XXXX XXXX ( from XXXX and charged it to my build.com credit card ( {$5200.00} total : each item {$2600.00} ). In XX/XX/XXXX I received notification my units were shipping. Only one unit came and it came with a big gash in the side. I refused delivery. I contacted XXXX and was told the set was discontinued ; therefore, I requested to refund both items since part of the set was damaged and now discontinued I couldn't get the matching pair like I ordered ; I also said to make sure my card was zeroed out before any payments were past due ( I was assured they would be ). I received two emails confirming refunds of each item ( one email on XX/XX/XXXX and XXXX email on XX/XX/XXXX ). In XXXX I received a collection call from Comenity Bank about a late payment. I told them both items were supposed to be refunded back to the card so no payments should be due. Apparently only one item ( {$2600.00} ) was refunded back to the card when I called in XXXX. I contacted XXXX about the issue of only item being refunded. XXXX then refunded the other item to the card ( end of XXXX- a month after I requested the refunds due to damaged/discontinued item ). In XXXX, Comenity Bank sent bill stating I still owed {$71.00} in fees. I contacted XXXX and Comenity Bank with no resolutions. On XX/XX/XXXX, Comenity Bank called again about a late payment. I told them I should never have had a payment for any late fees to be added to. They reduced the fees from {$71.00} to {$31.00}. I filed a dispute with Comenity Bank about the remaining {$31.00} because I should never have had any payments, fees, etc. because at his point, all I have is wasted time and frustration - no purchased items. So I am stuck with {$31.00} in fees because XXXX didn't refund both items in XXXX ( even though I have confirmation emails ). No other purchases have been made with this card ( before or after ). 

Note : I only saw one of the two units ( the one that came in damaged ). The second unit was never delivered to me nor did I get a delivery attempt. I never saw the second unit.
Product: Credit reporting or other personal consumer reports

FCRA XXXX requires us, I believe, to delete any incorrect accounts from my credit report. Can you please examine the documents? Some of the listed accounts inaccurately report amounts and dates.
Product: Consumer Loan

I requested and received a payoff quote on my Hyundai XXXX lease in XXXX. The payoff was good through XXXX. I decided to buy out the lease, contact XXXX for the loan. XXXX and I followed the payoff letter instructions and the lease buyout amount of XXXX, XXXX was sent to and CASHED by Hyundai Motor Finance. 
Hyundai then sent the funds back to XXXX even though they cashed the check on XXXX XXXX, saying we could not buyout the lease in the manner that we did that I had to " go into the dealer. '' XXXX states that because they cashed the check, the loan funded and closed. So now we have to wait another 10 days before the money is refunded to XXXX. Once that happens, I have to pay additional money to XXXX to payoff the loan, then take out a second loan incurring additional loan fees payable to the state. 
On top of that, Hyundai is increasing the payoff quote, I have to make another payment to then instead of lowering my monthly as planned. 
Hyundai provided a payoff letter with instructions. We followed those instructions. They cashed the check from XXXX, creating a second lien on my vehicle which also cost me money. When I received an email that they were processing a payment, I called to have the payment stopped because they already received the payoff. It was only then that I was informed that they were refunding the payoff funds. 
I did in fact go to a dealer on the 4th to attempt to work this out. The dealer gave me a payoff quote of {$600.00} LESS than the original. Then when we called in, the payoff was {$40.00} MORE than the original. I feel like Hyundai did not properly provide payoff instructions, is not giving me a fair payoff quote now, is holding funds for up to two weeks, and as such is earning interest they should n't - while trying to collect as much on the payoff as they can. 

At this point, the funds are still with Hyundai, they are charging me more interest, XXXX can not do anything until Hyundai returns their funds ... And then I have to start all over.. at their dealer and pay a second loan fee to the state.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX Balance : {$2100.00} 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