23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. But despite all the complaints I sent to CFPB and Equifax, nothing has changed! So once again, I would like to request the suppression of these items from my credit report, which is the result of a fraudulent item origination and identity theft. These fraudulent items should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... I'd like you to delete the accounts permanently : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Product: Debt collection

How much does XXXX charge municipalities to bill customers for tolls and taxes? XXXX and XXXX dont add surcharges to toll and tax bills, but XXXX apparently does and is therefore incentivized to charge their customers for taxes and tolls that arent due or owed. I will be submitting a Rule Making request about this officially to CFPB - but Auto Financing companies shouldnt be collecting excise taxes or tolls for a fee. 

In their prior complaint response ( XX/XX/XXXX XXXX ) KIA admits that they are charging me for XXXX excise taxes that I do not owe. They admit they requested a refund from the Municipality ( XXXX XXXX  XXXX ) and that I should pay them this money even so. Yet after they responded to the CFPB saying this, they sent me a letter saying they will put my account into collection on XX/XX/XXXX for this money I dont owe. I moved away from that town a year ago. 

Their first response ( XX/XX/XXXX XXXX ) says that the taxes due were for XXXX which was an outright lie because I had paid XXXX taxes over a year ago. I supplied proof previously. 

I will be filing a lawsuit against XXXX to claim damages from this harassment that Ive received from them since leasing this car. I was overcharged by dealer, then XXXX  refused to acknowledge that I surrendered my prior XXXX ( when I took possession of present car ) and they tried to force me to pay for the surrendered car too, then 2 bad tires on brand new car and they refused to honor the warranty and now this. Not only is this illegal behavior it is also discrimination. I am certain if you look at your statistics you will see that theres patterns in their abuse - especially age and gender. 

This is systemic abuse and I can not help but think that if they were forced to keep Hyundai Motors Finance customer support functions onshore that this wouldnt happen in the USA. Theres financial incentive causing this abuse to occur. Its happening because it is offshore. Americans wouldnt needlessly hurt other Americans like this. This company is toxic due to this.

Also someone in XXXX leadership is not smart thinking that their customers are disposable and that hurting customers makes wise business sense. Especially someone like me who is repeat customer and never has been late on a car payment ever in my life. 

The amount of stress that this company has caused me is unconscionable.
Product: Credit card or prepaid card

On XX/XX/XXXX I took my XXXX to XXXX for a diagnostic they did not do so as I have their software and diagnostic tools as they sell it to the public. They didnt test out my XXXX or get the proper estimate they tried to make it a XXXX job when it simply a sensor that their own software was able to detect and my other mechanic was able to fix it
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint against XXXX, XXXX, Equifax, and XXXX  XXXX for non-compliance with the Fair Credit Reporting Act Dear Sir/Madam, I am writing to file a formal complaint against XXXX, XXXX, Equifax, and XXXX XXXXXXXX for their failure to comply with the requirements of the Fair Credit Reporting Act ( FCRA ) concerning the investigation and resolution of a disputed late payment on my XXXX  XXXX credit card account. The singular late payment in question is reported for the month of XX/XX/XXXX on XXXX and XX/XX/XXXX on XXXX and Equifax. As a result, it has been viewed as two 30-day late payments by creditors that have turned me down for service. As a result of my information being hacked, I had limited access to my account for the month of XXXX and XXXX due to unauthorized access through an internal cyber attack by an XXXX software Engineer " XXXX XXXX '' that was found guilty in XX/XX/XXXX for the commission of a cyber attack against XXXX  XXXX and other banks utilizing XXXX 's data centers Between XXXX and XXXX of XXXX, I submitted a dispute to all three credit bureaus and XXXX  XXXX regarding the inaccurate late payment, informing them of the cyber attack that affected my account, and that they reflect different dates on each report. Under the FCRA, 15 U.S.C. 1681i ( a ), the credit bureaus are required to complete their investigation and provide a resolution within 30 days of receiving the dispute. However, it has been more than 30 days since I filed the dispute, and none of the credit bureaus have provided me with any information, or a resolution of the matter.

As per the FCRA, 15 U.S.C. 1681i ( a ) ( 5 ), if a credit bureau fails to complete the investigation within the stipulated 30-day period, they are required to promptly delete the disputed information from the consumer 's credit report. In light of their non-compliance with the law, I request the immediate removal of the inaccurate late payment from XXXX XXXX from my credit reports, as it is adversely affecting my credit score and causing me financial harm. 

I have already tried to resolve this issue directly with XXXX, XXXX, Equifax, and XXXX XXXX but they have not taken the necessary steps to rectify the situation. As such, I am seeking the assistance of the Consumer Financial Protection Bureau to ensure that the credit bureaus adhere to the FCRA and remove the inaccurate information from my credit report as soon as possible. 

I appreciate your attention to this matter and look forward to your assistance in resolving this issue. If you require any further information or clarification, please do not hesitate to contact me via phone at XXXX or email at XXXX. 

Link to the XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXXXXXX Sincerely,
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXXXXXX XXXX XXXX XXXX XXXX  BALANCE {$2700.00}
Product: Checking or savings account

The initial claim I filed with Bank of America on XX/XX/2020 for the charges of {$2300.00}. The service supposed to be for horse brochures and guide information, but never received and instead the merchant has reoccurring charges to my bank. Bank of America refused to recover this amount instead only a few transactions ... 3 transactions for similar merchant were recovered. 

XX/XX/2020 XXXX XXXX  XXXX {$300.00} and {$300.00} XX/XX/2020 XXXX  XXXX XXXX XXXX XXXX XXXX XXXX {$400.00} These 3 transactions were refunded The bottom transactions were not recovered XX/XX/2020 XXXX XXXX XXXX {$250.00} and {$300.00}, XX/XX/2020 {$270.00} and XX/XX/2020 {$270.00} XX/XX/2020 XXXX XXXX XXXX XXXX XXXX {$270.00} Further correspondence if needed.
Product: Vehicle loan or lease

Post bankruptcy, People Commerce XXXX XXXX PA is showing I have a {$2300.00} balance with the credit bureau XXXX. My bankruptcy went thru XX/XX/2017, my account with People Commerce was closed XX/XX/2017. With XXXX they are reporting a XXXX balance.
Product: Mortgage

Chase Mortgage is whom we ( husband/wife ) have our loan with since XXXX. Many times over the years they have neglected & lied to us on important issues that cost us lots of money, but now, another issue has risen that was just brought to my attention in a mortgage statement we received on XXXX XXXX, XXXX, but after communication with someone from Chase, they realized that it was them " CHASE '' that made the mistake back in XXXX XXXX in which they neglected to apply our XXXXhusband/wife ) mortgage payment accordingly and therefore appeared there was no payment, then it lead to them FALSELY REPORTING US TO THE CREDIT BUREAU 'S AS LATE IN XXXX, BUT IT WAS REALLY THEIR FAULT. I was given a case number by the Chase representative is which I will give you later. They have fallen short of their duties or their word or their temporary contracts in past, so I want to have it on record of their mistake and how are they going to make sure they fix our credit report and our credit score from last XXXX XXXX to current, which has cost us more, due to we decided not to refinance our home for a over 3 % lower interest rate in which we had already been approved for by our local bank since our credit score would have been lowered by the mistake that CHASE MORTGAGE MADE. Since Chase did not apply our XXXX XXXX pymt accordingly, they told me on XXXX XXXX that all payments since last XXXX was made late, but it really was n't. it was their lack of responsibility of putting my payment where its suppose to be, now they also need to reimburse all late payment fee 's in which they also lied to me when I questioned why it was on my statement, they said its just where they list the fee 's and that I was n't being charged, but that was a lie, cause now I know thats the fee they been charging me. Its also why I did not know they did not apply the pymt correctly. They also neglected to issue us a new contract back in like XXXX & XXXX with all the Obama stuff, and we meet all the criteria and my husband had even found a job making more than what he was making when we purchased the home. They have cost us soooooooooo much heartache, tears, blood, mental anguish, frustration and now a 3rd time of not being able to refinance our home for a lower interest rate. If us the consumer is even ONE DAY LATE ON A MORTGAGE, WE PAY THE PRICE WITH A NEGATIVE CREDIT RATING FOR THE NEXT 7 YEARS, SO WHY DO N'T THE MORTGAGE COMPANIES HAVE TO MAKE IT UP TO THE CONSUMERS? AND I DO N'T MEAN IN A CLASS ACTION LAWSUIT WHERE ONLY THE LAWYERS MAKE GOOD, ITS US THE CONSUMERS WHO LOOSE OUR MONEY WHEN MORTGAGE COMPANIES XXXX US, THEY SHOULD HAVE TO PAY US THE LOSE, AND I DO N'T MEAN WITH A {$9.00} CONSULATION PRIZE CHECK WHILE THE ATTORNEY 'S MAKE MILLIONS!!!
Product: Credit card

Last month I forgot to pay my Discover card payment. First time ( that I can remember ) being late. I wasn't late because I didn't have money, the day just got away from me and I forgot to get on and pay. Since I was already late, I just decided to wait and double up the next payment. I received my statement that said my due date was the following month. ( I've also used and paid off this card several times since I've had the account ) I got online, researched payment options ( because I was curious ) and chose to make my regular payment plus extra. Options were to break down the payment is several different options of time frames, like 4 months, or 2 months etc. Many of those options said the card would be on hold, so not wanting to do that, I elected to make the whole payment in one. My minimum payment was {$400.00}, and I paid {$600.00}. I converted my miles into partial payment and paid the rest out of my bank account. This was on Friday, XX/XX/2024. Over the weekend, on Sunday XX/XX/XXXX I received two random emails. One from " Discover '' and one from " XXXX '' stating I need to give them permission to access my financial information with the IRS. Being an accountant myself, this is a huge RED FLAG. Everything I read, preaches that financial institutions ( even things like XXXX, our electric and water companies ) will NEVER contact you asking for passwords or access to your accounts. So please tell me why this would be acceptable in today 's world of scamming?? I do not feel comfortable giving access to my personal & financial information to the IRS thru random emails. I've never had any financial institution or credit card company ask for access to my IRS account. They told me if I don't do this, then my account will be closed. This sounds like they are threatening me in order to receive my IRS information. That is my PERSONAL information, and no one has the right to access it or demand I give them access. I opened that account several years ago and they did not ask to verify my IRS information. If they were content with accepting what I reported to them myself, then, then they should be content with the information I've given. In today 's world of scamming, I feel like it is very irresponsible and inappropriate for Discover to ask for such things from their consumers and threaten them with account closure for disagreeing.
Product: Credit reporting or other personal consumer reports

A rep at the location told me I was pre-approved for a XXXX XXXX XXXX credit card. I stressed to XXXX XXXX that I did not want a an inquiry if I am not approved. XXXX assured me that at the " MOMENT I OPENED THE ACCOUNT THAT DAY, ( LITERALLY SECONDS PRIOR ) THAT CHASE DID A SOFT PULL AND PREAPPROVED ME. '' I agreed to pull my credit on based on what I was told by the Chase rep who opened my account with me. I was then denied the credit card and spoke to the branch manager at Chase. XXXX stated that I was preapproved years prior, which is not what I was told. I will not let this go. I want that inquiry removed from my report. 

The inquiry was made by Chase Bank using fraud and false pretenses. XXXX XXXX lied during my account opening process and said that I was just preapproved that day, different than what XXXX has said. XXXX also stated during the account opening process that he would call Chase with me to " push through '' the approval in the event of my denial, he never did that... I called several times, left him several messages. No response. 

I don't know if XXXX receives some bonus or performance crediting for applying for these credit cards but he committed fraud and lied to my face about real facts and the truth has come out to show he lied.
Product: Money transfer, virtual currency, or money service

I was scammed out of XXXX $ total by a fraud website called XXXX. I immediately disputed it to my bank Chime and they refused to get my money back or help resolve this issue. I've sent multiple letters to the bank showing the proofs and evidences of the scam that was done to me and they refused to help me. The dates which the scam took place were on XX/XX/2023 to XXXX XXXX XXXX for XXXX and XX/XX/XXXX  to XXXX XXXX XXXX for XXXX.
Product: Checking or savings account

I scheduled a credit card payment with my current bank ( XXXX XXXX  XXXX ). The credit was redirected to a closed account at Us Bank. This happened XX/XX/2023. Since I have contacted and spent several hours on the phone with US Bank trying to get the issue resolved. They issued a refund check but didnt verify my current address and sent the check to the wrong address this was back in early XXXX. Since then I keep getting told that a new checked has been approved to be issued. They still have not issued the check to the correct address and no one at US bank can give me anymore information. Also they have made zero effort to stay in communication with me or even get this situation resolved in a timely manner. Their supervisors have taken down my contact information but have not contacted me once. After speaking with them today XX/XX/2023 they havent even saved my contact information. The amount owed is {$2200.00}
Product: Checking or savings account

Is my money really safe at Bank of America? Check this out : *** On XX/XX/19, around  XXXX, I deposited {$3600.00} at the Outside Drive-thru ATM ID # XXXX ( SEE PHOTO ENCLOSED ) that belongs to the Bank of America Branch located at : XXXX XXXX XXXX, XXXX, Fl XXXX. I deposited a single stack of bills ( 36 bills of {$100.00}, and 3 bills of 20.. It took a while to process, when it gave me back 2 bills of {$100.00}. Then, it gave me a screen error, which quickly disappeared, and it finished without giving me any receipt, I waited there for a few mins., hoping it would return the rest of my money ( {$3400.00} ),, That's when it hit me : IT SWALLOWED the rest of my Money : IT SIMPLY STOLE {$3400.00}!!! I was in shock, and have become UPSET, WORRIED, SCARED, ANXIOUS AND XXXX  since that night. 
*** ABOUT XXXX, a few mins.later, and still parked in front of that DRIVE-Thru ATM, I went ahead and called Bank of America Customer Service, and was told I would get a {$3400.00} Temporary Credit on my Checking Acct., which I ended up getting the next day, on XX/XX/19. However, on XX/XX/XXXX, BOA took the money away from me, by applying a " TEMPORARY CREDIT REVERSAL '' OF XXXX.. Then, next day, onXX/XX/XXXX, I quickly went to the BOA branch at XXXX XXXX. in XXXX, FL. I spoke to Branch Manager XXXX XXXX, who made a phone call to a Customer Support Associate " XXXX XXXX '', who told me she would re-open the claim for me, and to call back in a few days. However, as of today, I am short {$3400.00}, since she didn't even give me a TEMPORARY CREDIT '' this time. 
BANK OF AMERICA : WHAT KIND OF GAME IS THIS, AND WHY ARE YOU PLAYING WITH MY MONEY ...? 
*** BANK OF AMERICA : IT'S NOT MY FAULT THE REST OF MY DEPOSIT ( {$3400.00} ) IS MISSING AND WAS SWALLOWED BY YOUR DRIVE-THRU ATM mentioned above, and that no-one in your Customer Service, or at the Branches have the authority to help me. If you don't want to check the video, that's your problem. I'm tired of waiting, and need my $ $ for my basic needs as well.

*** Therefore, I am giving you a fair last chance to fix this problem by escalating this issue to Corporate Level, I demand my {$3400.00} to be credited to my account within a few days from this letter, and also a confirmation letter from you before it may become a possible " PUBLIC RELATIONS '', or a legal ISSUE.

Be ethical, Bank of America, DO THE RIGHT THING RIGHT AWAY!
Product: Credit reporting, credit repair services, or other personal consumer reports

Their are several inquiries hard and soft have duplicate on same day and time, incorrect information.
Product: Debt collection

I was in a car accident XX/XX/2019. The person who totaled my car was not the owner of the car and between my insurance and gap insurance I was under the impression the balance of the car was going to be taken care of. I never heard anything about that account until years later I was advised it was actually charged off. Fast forward to a few days ago, my bank informed me that my accounts had a levy hold on them for a lawsuit. Called the company that sent the legal form to my bank and they said I was being sued for the US Bank balance on the car. I explained to them I have not been working for months and that I was never informed about the debt still being owed or that I was being sued. The gentleman got pretty upset and started saying that they supposedly did inform me and that I owed {$28000.00}. I told him could the hold on my accounts be removed and could I work something out with the original bank, and he said I needed to pay the full amount or come up with a number to have account taken care of. The hold that was placed was actually for a much grater amount ( {$36000.00} ) than what the representative on the phone told me. I even mentioned that to him and he said it was extra legal fees.
Product: Debt collection

The Complaint is against LVNV for account XXXX I have been demanding sufficient proof from this company claiming I owe this debt. I have constantly been ignored and have requested the CRAs to delete this item. 
1. LVNV did not respond in the appropriate time frame of ( 30 ) days as required by law 2. LVNV did not supply sufficient proof that I owe this debt 3. LVNV updated and verified this account with XXXX  after I disputed and demanded proof. 
4. I have reached out to XXXX to delete and have no luck I have sent LVNV multiple letters demanding them to delete this account. 
This has caused severe harm to my consumer profile, my personal life and business life. I have not been able to advance because I am being held XXXX from this company 's reporting false account on my consumer profile. I ask that the CFPB help me litigate this company for violating my rights. Please help me Delete this account.
Product: Credit card or prepaid card

Back in XXXX of XXXX I was trying to make a payment towards my best buy credit card, during the process of payment the person that was processing my payment got very XXXX with me and cancel my credit card, witch it was in good standing since 2013. I try to contact the company in many occasions to request for my credit card to be reactivated and I got no where and in XXXX of XXXX I submitted a complained to the cfpb and it looks like nothing is getting done with the account. I need to resolved this issue as soon as possible Im requesting that my account be reestablished in full and to remove any late payment and feeds added to the account. Thank you