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

I reached out to the company on XX/XX/. They advise me that they could not provide me any information on the account, as they are not longer the account holder. I requested that they remove the account as it is showing on my credit report twice and showing that I owe double the amount of money which is inaccurate.
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 Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by 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 Made on Time : The reported late payment is inaccurate as I made my payment on time. I have included bank statements showing the payment was processed before the due date.

Account Closure : The account was closed at my request, and no late payments occurred at the time of closure. The reported late payment misrepresents the accounts closure status. Ive included the closure confirmation showing that the account was paid in full before the due date. 
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
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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: Checking or savings account

On or about XX/XX/XXXX I submitted a request to Truist Bank regarding two transaction by a merchant that should not have been charged to my account and to invesitge and obtain a refund for both changes totalling {$560.00}. The Claim # XXXX. On XX/XX/XXXX as part of Trust process I was asked to complete a document and proivde my supporting documentation. I proivde supporting documentation including warranty documents showing AC unit was still covered under warranty, along with email from my home builder and email from merchant company stating they responded to Truist request to refund the funds. However over the past 45 days I continure to get the run around by this bank. I have requested 5 escalations to have someone from the bank to contact me regarding this issue and as of today, I have not recieved a resposne. My most recentcall on XX/XX/22 on a recorded line I was treated with such disrespect, the rep stated that I should just have the merchant refund the money instead of going through the bank. If that is the case why offer the service, why do I need to bank here. It was made clear to me, that Truist have no intent on crediting funds back to my account dispute the overhelming documentaiton and email communicaiton from the merchant stating the funds should be returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX is taking time to submit a complaint against XXXX XXXX XXXX XXXX as a member of the XXXX Community, believing that a collection is being posted against me as a violation of my rights under the Fair Debt Collection Practices Act. The problem on this collection of {$1400.00} that is reported on my credit bureaus is from a car accident I had back in 2019, whereas there was gap insurance that should have covered the loss of my vehicle to cover the no-fault portion on coverage from another carrier. The problem being that the vehicle was aged and the value was far less that what was owed on it. XXXX XXXX XXXX XXXX has its own internal insurance based on these types of scenarios that are also reported in their 10Q quarterly filings with the Securities and Exchange Commission. This collection is what can be termed a double-dip on profitability. In essence, this shortage has already been covered by XXXX and their internal reporting process on charged-off secured debts, and the balance should de deleted altogether, my credit report should be updated to PAID IN FULL, and the charge-off status must be deleted permanently. XXXX is using a XXXX accounting system that hurts consumers in the XXXX Community, and I believe that if the Consumer Financial Protection Bureau ever gets into an internal audit with XXXX, it will find that XXXX  is a part of its back end profits they simply are not entitled to. My credit report is being held hostage for a minor profit that may sound small in scale to the wealthy corporate giant like XXXX, but believe me, this negative reporting has hurt me badly financially. My balance must be XXXX immediately, and as a professional courtesy by XXXX, the entire account should be deleted off of my credit reports with XXXX, Equifax and XXXX XXXX collectively. XXXX is also violating its subscriber agreement with all bureau in this corrupt and egregious reporting on a debt that was already covered through XXXX internal self-insurance capacities.
Product: Credit card or prepaid card

Citi closed my account due to 3 clerical errors I made that happened when I was trying to pay more than. what was required. 

Then, they confiscated half my rewards $ $ as well. This was a percentage of charges I was promised if I used the card. Do not see how they can justify taking away this amount that I had already earned.
Product: Vehicle loan or lease

I had a loan with Hyundai Motor Finance, on XX/XX/2020 my 0 % loan payoff amount increased from {$13000.00} to {$14000.00} after a {$50.00} payment. The payoff amount should have lowered to {$13000.00}. This caused an over payment of {$470.00}. I noticed the error on XX/XX/2020 and have called over 15 times. I have spoken with many representatives, supervisors, and managers in which they all see the issue and claim to send information to their payment processing division. I even purchased a new car from XXXX XXXX XXXX they agreed that I was over charged by at least {$470.00} by Hyundai Motor Finance. The dealership called them directly as I was purchasing a new car and I did not want to fully pay off the load until this was addressed. However, after the dealer called on my behalf I was assured that once the loan was paid off that HMF would refund any overage. That did not happen so I again reached out to HMF. I called for the last time on  XX/XX/2020 and was told essentially I am out of luck as only the payment processing department can help and there is no way for me to contact them directly. The manager stated because I paid off the loan due to my trade in, all he sees is that the loan is satisfied and there is nothing he can do. This is extremely distressing and I am lucky enough to have caught the mistake as I am sure some people may have never caught it. However, no one with HMF Financing is able to address the issue. They even stopped  providing a payoff amount after I began complaining which makes it even more upsetting. Who knows how much money I am being overcharged.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting Act. The account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 


ONEMAIN Personal Loan Companies XXXX/2022 XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my instructions.

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.

This is a duplicate inquiry and shall not be showing on my credit report.
Product: Vehicle loan or lease

On XX/XX/ I signed a contract with American Credit Acceptance. The amount that was financed according to 15 usc 1605 was {$39000.00} This company was commited to providing me with top priority treatment and with a reliable car that i could use for household use. The nature of my dispute is the various violations of federal law such as the Equal Credit Opportunity Act 12 USC 1002 reg. B, Securities Fraud, T.I.L.A Violations, F.C.R.A, Federal Reserve Act, being that i provided an application, to which became the Security Collateral for this transaction according to section 16 of the Federal Reserve Act part 2. I also provided my social security account number which according to 15 USC 1602 ( l ) the term credit card meansany card used for the extention of credit. This company has not tried to resolve this situation and make things right as this has cause me great stress and pain and suffering. Certified mailed i sent tracking number XXXX XXXX XXXX XXXX XXXX. 
There is a pattern of misconduct by this company I applied for my own credit and got scammed and the car was repossessed Im greatly damaged. Withholding my access to my securities is securities fraud. Violating EQUAL CREDIT OPPORTUNITY ACT AND CONSUMER CREDIT PROTECTION ACT since Im getting denied access to my credit and would like to retract my application. Thank You By : XXXX, XXXX ATTORNEY-IN-FACT for XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of thi consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal prot consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the de accounts listed IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX
ACCOUNT XXXX XXXX  
LOCATION INFORMATION: XXXX XXXX XXXX XXXX XXXX XXXX XXXX


DEAR XXXX XXXX XXXX XXXX,

THIS IS ABOUT THE CONSUMER CREDIT TRANSACTION INITIATED ON XXXX WITH YOUR FINANCIAL INSTITUTION EXECUTED BY WAY OF SIGNING AN AGREEMENT ( DOCUMENT). AS PER 15 USC 6827(3) THE TERM DOCUMENT MEANS ANY INFORMATION IN ANY FORM.

THE PROVISIONS OF 15 USC 6801(A) REQUIRE FINANCIAL INSTITUTIONS TO NOTIFY CONSUMERS OF THEIR INFORMATION SHARING PRACTICES AND PROVIDE FOR A RIGHT TO OPT OUT OF CERTAIN SHARING. 

IN THE ABOVE MENTIONED CONSUMER CREDIT TRANSACTION, WITHOUT GIVING ME THE OPPORTUNITY TO OPT-OUT, YOUR INSTITUTION FURNISHED MY NONPUBLIC PERSONAL INFORMATION TO NONAFFILIATED THIRD PARTIES( I.E EXPERIAN, XXXX  & XXXX  )

ACCORDING TO 15 USC 6809(4)(A), THE TERM  NONPUBLIC PERSONAL INFORMATION MEANS PERSONALLY IDENTIFIABLE INFORMATION-

(I) PROVIDED BY A CONSUMER TO A FINANCIAL INSTITUTION;
(ii) RESULTING FROM ANY TRANSACTION WITH THE CONSUMER OR ANY SERVICE PERFORMED FOR THE CONSUMER;OR
(iii) OTHERWISE OBTAINED BY THE FINANCIAL INSTITUTION

FURTHER, PURSUANT TO 15 USC 6809(5) THE TERM NONAFFILIATED THIRD PARTY MEANS ANY ENTITY THAT IS NOT AN AFFILIATE OF OR RELATED BY COMMON OWNERSHIP OR AFFILIATED BY CORPORATE CONTROL WITH THE FINANCIAL INSTITUTION BUT DOES NOT INCLUDE A JOINT EMPLOYEE OF SUCH INSTITUTION.

THEREFORE, AS PER THE LITERAL INTERPRETATION, THE ORGANIZATION NAMED XXXX, XXXX  AND EXPERIAN ARE NONAFFILIATED THIRD PARTIES AND YOUR INSTITUTION HAS VIOLATED THE PROVISIONS OF 15 USC 6802.

IN CASE YOUR COMPANY ADMITS THAT THE ORGANIZATION NAMED; XXXX, XXXX  & EXPERIAN IS AFFILIATED, IT HAS STILL VIOLATED THE PROVISIONS OF THE FAIR CREDIT REPORTING ACT.

PURSUANT TO 15 USC 1681A (D)(2)(ii), THE CONSUMER REPORT WILL NOT INCLUDE ANY INFORMATION COMMUNICATED AMOUNG PERSONS RELATED BY COMMON OWNERSHIP OR AFFILIATED BY CORPORATE CONTROL.

FURTHER, 15 USC 1681A (D)(2)(A)(ii) STATES THAT IF THE COMPANY WANTS TO COMMUNICATE OTHER INFORMATION AMOUNG PERSONS RELATED BY COMMON OWNERSHIP OR AFFILIATED BY CORPORATE CONTROL, IT SHALL BE CLEARLY AND CONSPICUOUSLY DISCLOSED TO THE CONSUMER THAT THE INFORMATION MAYBE COMMUNICATED AMOUNG SUCH PERSONS AND THE CONSUMER SHALL BE GIVEN THE OPPORTUNITY TO DIRECT THAT SUCH INFORMATION NOT BE COMMUNICATED AMOUNG SUCH PERSONS.

THEREFORE, YOUR COMPANY HAS NOT ONLY INFRINGED MY RIGHT TO PRIVACY BUT ALSO VIOLATED MULTIPLE FEDERAL LAWS.

I HEREBY DEMAND YOU TO REMOVE THE BELOW MENTIONED INFORMATION FROM MY CREDIT REPORT; UPDATE TO PAID AS AGREED

LATE PAYMENTS:

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX


IF YOU ACCEPT MY REQUEST, I WILL NOT ESCALATE THIS MATTER TO A FEDERAL COMPLAINT.

THANK YOU FOR YOUR ATTENTION TO THIS MATTER.

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

15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not the owner of XXXX XXXX XXXX ( ORIG CREDITOR : 01 XXXX XXXX XXXX XXXX )  I do not owe these companies..Derogatory accusations must be Metro 2 Compliant to retain or report so delete any not physically with proof of permissible purpose from the exactly and legally identified me..I do not authorize you or anyone to report not proven compliant information and you must comply.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to express my ongoing frustration and disappointment regarding the persistent issue of late account openings, despite our repeated attempts to rectify this matter. 

I urge you to conduct a thorough review of our account opening procedures and systems to identify any underlying issues or deficiencies that may be contributing to these delays. It is imperative that we implement robust controls and enhanced monitoring mechanisms to ensure that accounts are opened promptly and in accordance with regulatory requirements. 

Furthermore, I request that you prioritize the investigation and correction of late account openings, taking proactive steps to mitigate any adverse effects on affected individuals. This may include expediting the account opening process, providing compensation or restitution where applicable, and enhancing communication with affected customers to address their concerns. 

In conclusion, I implore you to treat this matter with the urgency and dedication it deserves, recognizing its significant implications for our customers and our organization 's reputation. Together, through collaborative efforts and decisive actions, we can overcome this challenge and ensure the timely and efficient delivery of our services. With this, I am asking for your assistance to correct these accounts in my credit file : DPT ED/XXXX  XXXX Balance Owed : {$6600.00} ; DPT EDXXXX XXXX Balance Owed : {$3600.00} ; DPT EDXXXX XXXX Balance Owed : {$4800.00} ; DPT EDXXXX XXXX Balance Owed : {$3500.00} ; DPT ED/XXXX  XXXX Balance Owed : {$1800.00} ; DPT EDXXXX XXXX Balance Owed : {$1300.00} ; DPT EDXXXX XXXX Balance Owed : {$3000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went through a terrible divorce, had to file bankruptcy as my ex created a lot of debt in m

y name. I have never paid a bill late since then. I do not borrow more than I can afford, etc. Here I am over two and a half years later and a company files on my credit they wrote off/charged off one of the items that was listed in my bankruptcy over two years ago which created a nose dive on my credit report. I called Trans Union and filed an online dispute. The person on the phone said they can see and I filed it under the wrong category. They did nothing and didn't fix it allowing a charge off to be reported monthly on my credit report for the last two months that was included in my discharged bankruptcy. I am so tired of these credit reporting agencies using automation and not caring about the affect they are having on individuals lives.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a account with XXXX  XXXX XXXX in XXXX and i closed the account on my behalf on good terms. if you look at the account i made all on time payments until i closed the account. I went to XXXX XXXX XXXX in person to close my account and the agent cut my card and i thought i was done. turns out the agent never cancelled the account and they charged me a XXXX fee i called and they said it was there fault and they officially closed it but without fixing my credit report. i called in XXXX to fix it and they said they fixed it but ended up using it as a charge off as if i did something wrong.
Product: Credit card

Dear Consumer financial protection bureau I am XXXX XXXX XXXX, and I am seeking your assistance regarding the unethical and unprofessional actions taken by Bank of America in relation to the repeated and unjustified blocks placed on my card. 

The reasoning provided by Bank of America for these blocks has been inconsistent, contradictory, and, frankly, illogical. Despite my repeated efforts to resolve the matter, they have failed to adequately address my concerns. It appears that Bank of America, from the executive level to their fraud department, is using their authority to bully consumers by providing misleading and conflicting explanations. 

I believe this behavior is not only unethical but also a violation of consumer rights. I would appreciate your help in addressing this issue. Please see below for the specifics of the matter. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX XXXX their contradictory rationale I filed a dispute because I did not receive the item I purchased. I am baffled as to how XXXX can block my card, which was issued by Bank of America, without providing any valid explanation. 

Your claims department has failed to give me any insight into why my card is blocked. It is clear from our previous conversations that the block occurred due to charges made while the card was already restricted, which is unacceptable. 

Your handling of this situation has been ineffective, and the lack of proper communication is frustrating. If this matter is not resolved promptly, I will escalate this issue to consumer protection authorities. 









Email issued on XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX wrote : To Whom It May Concern at Bank of America, I am XXXX XXXX XXXX, and I am beyond outraged at the complete and utter incompetence displayed by your bank. On XXXX, I informed your inept customer service team that I would be traveling to XXXX, specifically to ensure that my card would not be blocked. Yet, as expected from your consistently unreliable service, my card has been blocked anyway. 
I am currently abroad, unable to access my Bank of America account due to poor WiFi, and I am being charged {$0.00} per minute to contact your customer service, which has been an absolute nightmare. It took hours to even get through, and when I finally did, I was met with dismissive, unprofessional agents who offered zero help. This is completely unacceptable. 

I have been a loyal customer for XXXX years, and this is how you repay me? This level of incompetence and disregard for customer care is appalling. I demand that the block on my account ( Account : XXXX ) be removed immediately. I also expect a written apology for the sheer incompetence that has disrupted my trip. 

Your service is a disgrace, and if this issue is not resolved instantly, I will not hesitate to terminate my relationship with Bank of America and make sure everyone I know is aware of your banks abysmal treatment of its customers. 

Fix this immediately. 

XXXX XXXX XXXX
Product: Debt or credit management

I have a Balance from my previous residents It is showing on my Credit that I have a balance due for XXXX which is not true, I was told it would XXXX that I would like to discuss payment plan, which I have not been given that option, this information has been reported, However when I sent to XXXX XXXX it was not resolved.
Product: Mortgage

REOPENING COMPLAINT : XXXX THIS IS NOT RESOLVED. 
The inspector came out and XXXX did issue a PORTION of the insurance money they were holding. However, the inspector called to say that she did not get pictures of one of the repair areas and would need to come back. Until her report is complete the balance of the funds will not be released by XXXX. The inspector was to come back on Monday, XX/XX/XXXX. Today is THURSDAY, XX/XX/XXXX. There has been no COMMUNICATION at all from the inspector. So, the issue is NOT RESOLVED because the same issue is repeating by the inspector failing to show up or call. This is NOT CLOSED. XXXX needs to respond and get on this ASAP. We have to pay the contractors! They came on Monday, expecting to be paid. 
XXXX STILL HAS NOT COMPLETED WHAT THEY NEED TO DO TO RESOLVE THIS ISSUE. JUST BECAUSE THEY ARE EXPLAINING THINGS DOES NOT NEGATE THE FACT THAT THEY STILL ARE HOLDING FUNDS DUE TO THEM DELAYING THE INSPECTION AND NOT HAVING THE COURTESY TO COME TO COMPLETE THE INSPECTION AS PROMISED. OUR TIME IS VALUABLE AND WE MAKE SPECIAL ARRANGEMENTS TO MEET THE INSPECTOR AT THE AGREED UPON TIME ONLY FOR THEM TO BE A NO SHOW. WE NEED THE BALANCE OF THE FUNDS SENT TO US ASAP SO WE CAN PAY THE CONTRACTORS.
Product: Consumer Loan

I recently applied for a home loan, I was advised that there were several hard inquiries on my report that were not authorized. I contacted Springleaf and they advised that I needed to contact experian but they said that Springleaf needs to resolve. I sent a request to experian to have removed XXXX. I attached the latest request. I would like the inquiry removed immediately