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

On Saturday, XX/XX/2023 I reported to my bank, Bank of America, that my business account, XXXX, XXXX had been fraudulently accessed and {$4200.00} was transferred via XXXX to a person I do not know and did not authorize to do such. Her name allegedly was XXXX XXXX XXXX. A phone call was placed to me which appeared on my cellphone as Bank of America. The person calling asked whether I was authorizing a transfer to someone in Texas. I replied no. In reality, they were fraudulently getting my assistance to take my money and transfer it out, which they did. I did not go on my computer/account to do any transfer. They did. Bank of America investigated under their claim number XXXX and advised me in writing today they are not putting the {$4200.00} back, claiming they were following my " instructions '' facilitating the transfer of funds. I did no such thing however. This was fraud. I believe this should be covered under Regulation E pertaining to fraudulent electronic fund transfers. Please advise. Thank you.
Product: Credit reporting or other personal consumer reports

I pay my auto loan, mortgage and HELOC every two weeks from my bank account auto bill pay systems. Every other month I have a issue with XXXX XXXX claiming to not receive my checks and then out the blue they will process the payment. If my check is dated the XXXX of the month and I show proof that the bank mailed the check on the XXXX and XXXX find the check on someone desk on the XXXX, they will charge me a late fee without considering the facts and supporting documents. I have diligently been tryin to resolve the problem and I am not getting any response. XXXX XXXX keeps repeatedly charging me late payments and reporting to the credit bureaus that I am late on payments and I have provided supporting documents that the payments are being sent.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. XXXX XXXX TransUnion have violated my rights under 15 USC 1681 Section 602 states I have to right to privacy ( 15 USC 1681 ( Section 604 A Section ( It also states a consumer reporting agency can not furnish an account without my written instructions. Under 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 any purpose.
Product: Credit reporting or other personal consumer reports

There are XXXX collections on my Experian credit report that should not be there. I have contacted the company and informed them that these were charged off accounts and that the dated that the accounts were wrong and what was reported to the credit reporting company was wrong. I also disputed this information with all three agencies, which XXXX XXXX and XXXX removed them, but Experian refuse to remove them and now they have blocked me from ever disputing them again. Every time my credit starts to rise on Experian the find something to drop my score. I joined their credit boost and just today they dropped my XXXX score by XXXX points claiming a bill dropped off my payment because it was removed even though my account stated that the subscription was paid, and there is no way to dispute it or contact them to dispute it. Experian is the only company that have been dropping my score for the littlest thing several time a month and who is always trying to get me to buy their products to try and boost my XXXX XXXX and I feel like that is because they are the credit reporting agency most used in the state that I live in. I just want them to remove the XXXX collections that should not be on my account. My XXXX score is XXXX, My XXXX score is XXXX and my Experian is XXXX jus because of those XXXX collection items on my Experian report. Also I keep disputing that my first name is wrong and some of the addresses that's on my credit report do not belong to me and the have refuse to correct it.
Product: Debt collection

Credence Resource Management , XXXX XXXX XXXX XXXX  Hi XXXX, we previously sent you information for the balance due on the XXXX XXXX XXXX XXXX XXXX. Your balance is {$100.00}. Contact us at XXXX to discuss options. XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received a letter from allianceone collection agency on behalf of XXXX XXXX, OH stating that I owe an amount that's not even due until XX/XX/2023! I only owe at this time {$130.00} and XXXX reported to AllianceOne that I owe {$490.00}. The amount of {$360.00} is not due until XX/XX/2023 and to report that I owe an amount that is not due is false information and can have a big affect my credit score once reported! Also, I was charged for digital services that are offered free with service... XXXX XXXX on Us {$1.00} and XXXX {$4.00}.
Product: Credit reporting or other personal consumer reports

Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap BANK OF AMERICA Date of Open : XX/XX/2013 Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I tried to file a bankruptcy in XXXX. I never found it never went to court never paid anything but somehow its still on my credit and is stopping me from getting a rental anywhere or any kind of credit.
Product: Student loan

My student loans have been on autopay for years. I have not missed or been late on a payment for well over 5 years ( don't think I have ever ). In XXXX of this year I noticed the repayment was still on interest only, I called and after many hours on the phone was finally able to get them to switch repayment from IO to one that was amortizing. I asked if the autopay would remain and was told yes. I live in NJ but spend the work week in CT at an apartment I rent. As a result I'm not home Monday through Thursday and knowing that my account was on autopay, I instructed my wife to just put anything from UAS ( University Accounting Services )  - which I'm assuming is the loan servicer - in the shredder. A few months later I noticed my credit rating had dropped. When I investigated the cause, I found it was the student loan account. After further digging I saw that autopay was still on, but UAS was only pulling the old IO payment from my account, so I was underpaying by the principal component due. I called UAS and explained that I didn't understand why they didn't keep the autopay as I had set it up to collect the full amount due, and furthermore, if they weren't going to do that, why had I not been told I would need to amend the autopay to now make a larger payment. The autopay was not set up as an outflow from my bank but rather them pulling from it. I asked what could be done to reverse the reporting to the credit bureaus, to which I was told basically nothing. I asked to speak to a supervisor and again explained the situation, I was told the request would be placed with an account specialist and they would call me back. This was over a week ago, and not to my surprise, I have heard nothing. I immediately brought my account current when I discovered the error and instructed them to amend the autopay to pay the balance due each month in full. They also told me it was the lender that submitted the default ( even tho payments were being made, just not the new higher payment ) to the credit agencies. I asked for contact info so I could speak to the lender. I was told they didn't have a phone number, only an email, and they couldn't give that out. The lender is XXXX XXXX XXXX XXXX. I want to get this removed from my credit history as it should have been very clear to anyone there looking at it that the autopay was not updated. If someone took 5 minutes to look at the account, they'd have seen very clearly that it was still the old payments being pulled by them and a simple phone call to me to update ( it's a mystery to me this wouldn't have been updated automatically ). There were no phone calls made, no emails sent. I just want to get this blemish off my credit report, and the credit report of my father, XXXX XXXX, who co-signed the loans some 10+ years ago. Thank you.
Product: Mortgage

We pay into an escrow account for property tax and insurance. Our lender is now 2 months past the due date on the property tax and we have been charged a penalty. We have contacted the company four times without a resolution.

We made two complaints in the earlier in XX/XX/2020. We made 2 additional complaints today. Each call takes about an hour and they just say they will do something but have not done anything
Product: Vehicle loan or lease

On XXXX XXXX, I called into Credit Acceptance. After speaking with a rep I was that they would accept my payment in the amount of XXXX on XXXX XXXX After accepting the payment in the amount of XXXX payment, American Credit Acceptance stated that this payment would satisfy the amount needed to be removed from the repossession list. 

When I called American Credit on XXXX XXXX, I spoke with the Reinstatement Department Manager. The manager stated that when I made the required payment, that the Repossesion Company was closed for the day and that they couldnt update the company about my repossession status being removed from list. 

My property was illegally seized and my non public information was provided to a third party outside of my contract. 

According to Fair Debt Collection Practices Act, 15 U.S.C. 1692 et seq American Credit Acceptance used False or Misleading Representation and Unfair Practices in which American Credit Acceptance took property ( vehicle ) when the creditor had no enforceable right to the property, I made payments sufficient to stop the repossession. 
American Credit Acceptance engaged in unfair acts and practices by repossessing my vehicle, even after I took intentional actions to prevent repossession. 
I requested a full investigation of the matter from the reinstatement department and they have yet to provide me those details. I have suffered damages as a result of these violations.
Product: Credit card or prepaid card

1. Citi bank closed my credit card without notice on XX/XX/2018 2. Citi bank claimed that they closed my account base on the way i made payment after I submit the complaint. 

I am sure I made payment on time 99.5 percent of time. The reason citibank told me was an excuse. Please provided me all my bad payment history and also pay me back {$81.00} Costco rewards.
Product: Money transfer, virtual currency, or money service

They would charge me unexpected fees and also not send the cash to my bank when transfer it or overcharge me
Product: Mortgage

I sent a RMA form for mortgage assistance about 6 days ago. SPS refused to accept the application. I have written to the CFPB several times about how SPS refused to accept my RMA form. This is dual tracking and I plan to take this case to court. Please investigate because what SPS is doing is illegal. Also please note that it has not even been 30 days since I sent the RMA.
Product: Credit reporting or other personal consumer reports

After we provided XXXXXXXX XXXX our credit information the Bureaus sold our information to multiple people for mortgage products and insurance information. The companies have contacted my wife and myself approximately XXXX times already in less than XXXX hours to our cell phones which are supposed to be on a no contact list. The companies are not identifying themselves and not letting us know how they got our information. I don't know how safe my personal data is at this point at if the necessary protection is out there to keep it safe.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexis Nexis is providing inaccurate information to XXXX  XXXX, and XXXX. Additionally, they are in violation of of 15 USC 1681 a ( 4 ) my consumers right to privacy. I have already spoken with the courthouses regarding my bankruptcy that was filed, and I know what they did not provide Lexis Nexis this information as they stated that they don't report information to anyone.Lexis Nexis illegally obtained my personal information in order to report to the three main bureaus. I demand this bankruptcy be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been non-compliant with removing the unverified account BB & T which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that BB & T was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX XXXX XXXX XXXX US DEPARTMENT OF EDU XXXX Experian XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX XXXX XXXX XXXX US DEPARTMENT OF EDU XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX   XXXX XXXX XXXX XXXX XXXX US DEPARTMENT OF EDU XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a public record & XXXX XXXX entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax, XXXX and XXXX   verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and all payments were placed on Autopay. 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 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 in months that are reported late 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. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 1002 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: Checking or savings account

Capital One bank has withheld deposits to checking accounts. Notice of the problem was not given in a reasonable amount of time. No attempt to provide a temporary credit has been offered to offset the inconvenience this issue is causing. I have no way to pay for gas, food, or bills. No timeframe has been provided as to when the error will be corrected. Capital One does not provide an easy was to file complaints. Their app and online site do not allow you to email or file a complaint. When attempting to contact Capital One, you are only placed on continuous hold.
Product: Credit card

On XXXX I applied for a credit card/ entered into a consumer credit contract with Discover Financial Services XXXX my application was denied and I received a Adverse Action letter that stated that I was denied a credit card. I responded to the adverse action letter claiming that my Right to Credit via the Federal Equal Credit Opportunity Act, I in good faith exercised my Right to credit and withholding access to my securities is Securities Fraud. I also asked what factors did underwriting use to deny my application. I received no correspondence with that letter. The company gave the wrong address to send those types of responses. My research lead me to find out that I was not given proper full disclosures via the Truth In Lending Act, the Federal Equal Credit Opportunity Act as well as the Security Exchange Act of 1932. 15 U.S.C. 1601-1667f Truth In Lending this Act authorizes the Security Exchange Commission to enforce compliance of this financial institution.

Upon more research I found out that Discover Financial Services is Part of the United States Securities and Exchange Commission. They filed a XXXX form on XX/XX/XXXX among other forms that were signed by XXXX XXXX, XXXX as well as XXXX XXXX, I found out that these XXXX are the people that handle the securities that are being Transferred at the Treasury department. My securities have been transferred and traded without my knowledge, consent, or benefit. Discover Financial Service Commission File Number : XXXX, and the IRS Employer Identification number is XXXX. 
Discovers XXXX form states that they comply with the Written Communication Pursuant to Rule 425 under the Securities Act ( 17 CFR230.425 ). I must be given full disclosure of anything done with my securities which violates the Pre-commencement communications Pursuant to Rule 14d-2 ( b ) under the Exchange Act ( 17 CFR240.14d-2 ( b ) ). These violations are punishable by Federal Law and XXXX XXXX, XXXX and XXXX Vainikos are the people responsible for misleading practices. They also violated the Trust Indenture Act of 1939, the whole reason for this Act is to disclose information about the Security Exchange Commission to me XXXX XXXX as the investor. 15 U.S.C. section 77bbb Necessity for Regulation ( a ) numbers 3-6, All of these have been violated. XXXX and XXXX have failed to give me full disclosure on what is truly happening with my securities and how I can benefit from the interest generated by my security every month. 15 U.S.C. code section 77yyy, Penalties States that Any person who willfully violated provisions of the subchapter or Any rule, Regulation, or order thereunder, makes any untrue statement of a material fact or omits to state Any material fact required to be stated therein or necessary to make statements therein not misleading, shall upon conviction be fined not more than {$10000.00} or imprisoned for not more than 5 years or both. 
These unfair act and practices have caused me grave damage both financially and physically for months. The misleading procedures cause me to loose my vehicle and my place of residence as I could not provide that necessary thing for my family.