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

On XXXX XXXX, XXXX I used the Bank of America XXXX BOA ) online " Transfer '' system to transfer {$4000.00} to a person in XXXX to consummate a purchase of a car. I used the routing and account number supplied by this person. His account in with XXXX XXXX in XXXX. I called this person on XXXX XXXX to find out that the money was not transferred. I called BOA was told that the transfer did not go through because the routing number XXXX used was for a traditional " wire '' transfer and not the transfer offered on their website that I used. I believe it 's called an ACH transfer. Further, I was told because of the incorrect routing number that the monies would not and could not go through and to wait 10 days and the money would come back into my account. OK. So in order to finalize the deal I went to another bank and wired the money. XXXX complete. 10 days later I call BOA and was told to wait a few more days because it XXXX not be 10 days exactly. So a few days later I call back and was told that the transfer did in fact go through. Now this was supposed to be impossible. OK. I asked them to reverse it & get my money back. Could n't do that but they would submit a claim. I was also told, that it is possible that not even the original recipient may have my money because the wire routing number could be associated with a different bank account! I received a letter from BOA stating " We have completed our investigation of your claim. Our records indicate that we initiated the transfer in accordance with your instructions. '' Perhaps that is correct to a point, but they told me on the phone that it was impossible for the transfer to go through. XXXX BOA charged me {$10.00} for the transfer fee, so I am out {$4000.00} currently.
Product: Credit reporting or other personal consumer reports

My account with EXPERIAN was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 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 21 days before the payment due date.

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

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX 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
Product: Credit reporting or other personal consumer reports

The bank Bank Of America has been reporting incorrect information to the credit bureaus. I am in the process Of contacting a representative XXXX XXXX XXXX XXXX XXXX XXXX Bank of america. This complaint is relating to identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX XXXX Account Number XXXX, XXXX XXXX Account number XXXX, XXXX XXXX XXXX Account Number XXXX, XXXX XXXX XXXX Account Number XXXX, XXXX XXXX XXXX Account Number XXXX, XXXX XXXX Account Number XXXX XXXX, XXXX XXXX XXXX Account Number XXXX has violated my rights 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 furnisha account without my written instructions
Product: Credit card

On XX/XX/XXXX I paid a {$5000.00} deposit to greystone castle that was valid for XXXX weeks to make a decision on a wedding venue. On XX/XX/XXXX, the merchant 's email domain and website went down and I feared I had been scammed so I submitted a dispute with Chase. Once I got in touch with the merchant ( greystone ), she let me know she just had to renew her domain and I was not scammed. So I clsoed the dispute with Chase. After deciding to choose another wedding venue, I asked the merchant to refund the {$5000.00} on XX/XX/XXXX via text and the merchant agreed. I also followed up via email on the same date. After following up a few times, the merchant let me know that she had send the refund on XX/XX/XXXX. I did see a pending refund with chase and then it disappeared. I submitted another dispute on XX/XX/XXXX with documentation of the merchant agreeing to a refund. Chase closed this dispute. 

I would like my deposit money back. We have not received any goods or services from the merchant and we agreed to a refund that Chase is not honoring. I have reached out to the merchant again to get her assistance but have not heard back yet.
Product: Debt collection

The lease was open on XX/XX/2018 and paid off on XX/XX/2018. My name is XXXX XXXX. The company of the lease is Acima Credit FKA XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX, UT XXXX.
Product: Credit card

I applied for a Hilton honors credit card  thru XXXX so that if I got rejected it would not show. I had canaled my XXXX XXXX XXXX American express card XXXX months ago after XXXX  years never missing payment because when XXXX took XXXX XXXX over they ruined the rewards program so that it was nearly impossible to get a free room. I was accepted for the card but was told that they would not offer me the promotional benefits to me. They did not disclose that the promotional offer was contingent i don't have a hotel card and it seems that i have been XXXX XXXX  as every time for the past XXXX years I am denied the promotional offers. In 2022, XXXX took my XXXX XXXX miles card and upgraded it to a XXXX XXXX point card which i did not like so i canceled the XXXX XXXX card and applied for the regular XXXX XXXX card which i had pre piously enjoyed and was denied the promotional offer even thought they took the miles card away from me, I did not close that account.. eventually giving me a greatly reduced promotion even after many hours on the phone arguing with them and reminding them that though it has been my main bank for XXXX  years. I can not remember all the cards that i have applied for but they all rescind the promotional offer when they accept me. How is this legal. XXXX turned me down for the miles card at least XXXX times last year even thought they invited me to apply and i have XXXX credit rating and XXXX XXXX in their. its the same with all the card companies except XXXX last year kept their word and I use their XXXX  travel card bank. The last time i applied for an Amex was the XXXX XXXX in XXXX as an alternative to the XXXX  card. I want to get a Hilton card because i do not have a hotel card and the XXXX card has a worthless rewards program so i quit wasting the yearly fee on it. I have not applied to American express for XXXX  years and have not had a promotional offer from them since then. They can not accuse me of churning .So they approve me for the Hilton card but with hold hold the promotion. Why? Am I not allowed to cancel the XXXX Card when they total destroyed the rewards program- I was a member since XXXX and XXXX XXXX was my only Am EX card for XXXX XXXX years? So how come Am EX is allowed to discriminate against me of All the card companies, I haven't had a promotional offer from them since XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

he account listed below is reporting inaccurately on my credit report and it is in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : I also seen TWO DIFFERENT SOCIAL SECURITY NUMBERS on my reporXXXX 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

Experian is reporting information that is XXXX XXXX XXXX. Experian is still reporting XXXX XXXX and this account removal date was XX/XX/year>. They have not removed the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Ive been trying to contact Capital One for months in regards to my account and how I can get the late payments removed. I have wrote two goodwill letters and called numerous of times to no avail. I explained that I was facing a financial hardship during this time and couldnt afford to make the payments. Unknowing to me, the times I attempted to make payments last year there was insufficient funds in my account. I wasnt aware and it caused for all of the payments to reverse. After realizing I hadnt have enough money, I could no longer afford to make my monthly payments. As of today, the balances owed has been paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained my card from XXXX XXXX on XX/XX/2021. 

In violation of 15USC 1681 ( Fair Credit Reporting Act ), XXXX XXXX has daily harassed me via email and has shared my information with third parties without my permission. 

I have communicated with XXXX XXXX several times in an attempt to resolve this issue, but the only response I have received has been increased harassment ( multiple daily emails ).
Product: Credit reporting or other personal consumer reports

am filing a complaint against Equifax for failing to properiy investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Checking or savings account

An XXXX check for XXXX was deposited by mobile phone on XX/XX/2018 and the bank put a hold on it until XX/XX/2018. The funds will be unavailable until then meanwhile the bank can use our funds with out paying interest on that amount. These funds are for reconstruction of the water damaged kitchen and are desperately needed.
Product: Credit card or prepaid card

I was offered {$75.00} after spending at least {$37.00} twice with XXXX. I did this and earned it in XXXX. I called US Bank and have offered pictures ( attached ) and they confirmed that I qualify after being transferred to multiple departments with incompetent people. They have still not offered me the credit. Per their terms, also attached, I'm supposed to receive this offer in 5-7 business days from XX/XX/XXXX. It's shows that I have earned it but they won't pay me per their promotions. It's now XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La XXXX SSN : XXXX XX/XX/year>2025 you all have failed me To Whom It May Concern : My information have been involved in your companys data breach leading to fraudulent accounts on my consumer report I sent a request for an investigation under FRA 611 ( a ) to you in reference to the following account ( s ) XXXX XXXX XXXXXXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX/ ACCOUNT # XXXX THIS IS MY 3rd NOTICE REGARDING THESE FRAUDULENT ACCOUNTS I am hurt and confused to see I received a letter advising that you " VERIFIED '' the information. I am curious as to how you verified this information and would like to receive physical documentation to support this erroneous information on my report. Ive been a victim of identity theft so there is no way you were able to verify anything. FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. Your company has been reporting unverifiable and inaccurate information on my credit report which has damaged my credit. I intend to litigate if this information is not DELETED from my report. Please do not " update '' or " verify this information again without doing a due diligence investigation. I am requesting to be provided with the written contract & physical documentation to support the information that is being reported on my credit report via XXXX mail. Screenshots will not suffice. Send my actual signature on a contract. As this debt is Not mine. I am asking for this verification because my credit score is important to me, and after learning of my identity being compromised I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do no send me a template letter in response to this request. I am in the process of planning a legal case, so I will need specific answers to the specific questions asked of you in this letter. I have faith that your establishment will do the right thing and truly investigate this matter and if you do not have proof the debt is valid which you will not because of identity theft then please DELETE the information. I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the items in question permanently expunged from my record. 

Regards, 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 XX/XX/XXXXXX/XX/XXXX : # XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) : # XXXX, XXXXXX/XX/XXXX ( Original Creditor : XXXX XX/XX/XXXX : # XXXXXX/XX/XXXXXXXX : # XXXX XXXX XXXX : # XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX has violated my rights. 

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: Debt collection

This is a complaint about being billed for debt that I do not owe. Bills were constantly sent to me via mail about a debt being owe to XXXX XXXX XXXX which should have been billed to the job XXXX XXXX XXXX XXXX claim/file number XXXX. Due to them not hearing from me they assumed the debt was valid and reported this inaccurate information to my credit report without doing proper investigation.
Product: Debt collection

This nonaffiliated third party company is adversely hurting my credit report by reporting a debt without authority, consent nor authorization. The statute of limitations on the alleged debt from the original company has also expired and they are falsely reporting it with a new date to keep from deleting it. This company is fraudulently reporting themselves as " factoring company account '' and list the account as a " loan '' when they are in fact not a factoring company but a debt collection agency and I have never ever had a loan with this company. This is a willful violation under federal law and under FDCPA, FCRA. I have reported this business too many times for using bad faith practices and fraud utilizing different avenues, including to the FTC for fraud, as well as disputed it with XXXX more than three times to which the account has not been deleted per regulations provided in the dispute. They are intentionally hurting my report and their representatives are highly unprofessional and unethical when responding back to complaints submitted on CFPB, instead of following guidelines and removing the debt when fraud has been made known to both Portfolio Recovery and XXXX on several occasions. I would hope they did not open a loan in my name in the meantime or there will be serious consequences for that unethical act. They will share your proprietary information online knowing they are in the wrong and it is illegal to do so. This corporate giant has already been sued for similar practices and still are pursuing and partaking in those practices despite several attempts, and knowledge of regulatory guidelines to get them to refrain from it. This will be my third complaint and my fourth dispute under 15 USC 1681b and submitting a fraud report to the FTC. Delete this account I do not authorize this debt collection company disguised as a factoring company to continue reporting this fraud and adversely hurting my report with inaccurate information and expired information.
Product: Debt collection

There's a collection from ad XXXX ( speedy Cash ) has been calling and threatening arrest for s debt that I know nothing about! I've requested proof that I received a loan ( signature, paperwork etc. ) But have received nothing! ; yet they refuse to remove it from my credit files! I block the number they call from and they just call from another number. I'm not gon na pay for something I know nothing about
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 complaint # XXXX. 
Complaint on XXXX companies : XXXX XXXX XXXX and XXXX XXXX XXXX. 

1. XXXX XXXX XXXX : ( 2 accounts ) A XXXX XXXX XXXX - {$710.00} B ) XXXXXXXX XXXX- {$900.00} Description : XXXX XXXX XXXX has written, called, emailed, and has reported this inaccurate information on my credit report. I have disputed these accounts online several times. The last emails from XXXX XXXX were on XX/XX/22, XX/XX/22, and XX/XX/22. This company has violated these laws : 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 section 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15U.S.C. 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 
XXXX.XXXX XXXX XXXX {$770.00} ( One account ) Description : XXXX XXXX XXXX has written and called, and has reported this inaccurate information on my credit. I have disputed these account online several times. The last letter from XXXX XXXX XXXX was on XX/XX/22. This company has violated these laws : 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 section 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15U.S.C. 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the  CBR  to notify them that they were reporting some incorrect information to my report. I requested that they validate this information and as of today they have not responded to my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had several credit inquiries conducted on me recently, and a credit line was opened using my name, but NOT BY MY REQUEST, apparently were identify theft issues. These credit inquiries were from : 1. XXXX XXXX XXXX on XXXXXXXX  2. XXXX XXXX on XXXX/XXXX 3. XXXX XXXX XXXX on XXXX/XXXX 4. TD RETAIL CARD SERVICE on XXXXXXXX 5. XXXX XXXX XXXX XXXX XXXXXXXX 6. XXXX XXXX XXXX XXXX XXXX on XXXXXXXX A charge card account was actually approved by the TDRCSXXXX XXXX TD RETAIL CARD SERVICE XXXX on XXXX/XXXX/XXXX and a request to change mailing address for this fraudulent account was submitted by the offending party. I have contacted TDRCS to request the account be cancelled.
Product: Credit card or prepaid card

apply for barclays XXXX XXXX XXXX credit card since i shop at XXXX XXXX XXXX  all the time .... got a letter requesting a photo copy of my driver license, social security card, bill from a utilitiy company and a current bank statement .... call to ask them why i need to send them all this and was told it was to prevent i 'd thief ... if the letter with all the requested material was ever lost, could n't someone really have an eazy time stealing my ID?? .seems very idiotic to send all this by mail to prevent ID thief .... when i called to ask them about this they ask me 10 different. questions only i would know and yet they insisted i send the request material or they will not process the application ... the worst part is they already checled my credit report and i have an inquiry already listed by barclays .... its very redundant of barclays credit card company to do this and just seem XXXX ....
Product: Credit reporting or other personal consumer reports

Company has violated code 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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.

Balance dates open and close are all inconsistent within all 3 credit bureaus completed hindering me from my fair rights. 

I want all negative accounts removed and deleted in accordance with the XXXX and fair credit reporting act and other laws outlined with the CFPB. 

These companies are sending automated letters and have no addressed the complaint with no account attached please issue a complaint on the consumers behalf