23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

On XXXX I purchased a XXXX  XXXX XXXX from XXXX XXXX. I was forced to place a down payment of XXXX on this car. This is in direct violation of 15 U.S. code 1662 ( b ) mixing cash with consumer credit transactions. Furthermore I was made to have on own car insurance on the car which is in direct violation of 15 U.S. Code 1605 ( c ) Finance charge defined and what is all included. At this point I want to rescind this contract under 15 US Code 1635 right to rescind rescission & 15 U.S. Code 1635 ( b ) right to rescind and keep property. I would like my down payment back XXXX, the cost for the insurance XXXX. All violations are fined at XXXX per violation and all car payments need to be refunded. I also want the title to my car sent to me. They have fraud in this contract.
Product: Credit reporting or other personal consumer reports

United States of America Federal Trade Commission Attn : Division of Enforcement XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX USA United States of America Consumer Financial Protection Bureau Attn : Division of Enforcement XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX USA NOTICE OF DISPUTE AND REQUEST FOR INVESTIGATION OF BILLING ERRORVALIDATION AND VERIFICATION OF ALLEGED DEBT WITH XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ACCOUNT RE XXXX XXXX XXXX XXXX ACCOUNT NO. XXXX Dear Sir or Madam, I am writing to formally dispute a billing error and to request debt validation regarding an alleged debt that XXXX XXXX XXXX XXXX XXXX  ( formerly known as XXXX XXXX XXXX XXXX ) claims I owe. This dispute is prompted by multiple instances of erroneous credit reporting by the organization, which allege an outstanding debt, as evidenced in my consumer credit file dated XX/XX/XXXX ( Exhibit XXXX ). I request the United States ( federal government ) Federal Trade Commission ( FTC ) and Consumer Financial Protection Bureau ( CFPB ) to conduct a comprehensive investigation into this matter.

I assert my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically as outlined in 15 U.S.C. 1692g Sec. 809 ( b ), and sections 807 and 814 ( 15 U.S.C. 1692e, 1692l ), along with the relevant regulations ( 12 C.F.R. 1006.34 ( c ) ( 1 ) ( 2 ) ( 3 ) ( 4 ), 1006.38, 1022.41, 1022.42 ). Additionally, my request is in accordance with the Fair Credit Reporting Act ( FCRA ), particularly under Regulation V ( 12 C.F.R. 1022.21 ( a ) ( 1 ), 1022.24 ( a ), 1022.25 ( a ), 1022.42, 1022.43 ) and 623 ( a ) ( 8 ) ( E ) - ( F ) and 623 ( b ) ( 1 ) ( 15 U.S.C. 1681s-2 ( a ) ( 8 ) ( E ) - ( F ), ( b ) ).

This dispute also invokes my rights under the Electronic Signatures in Global and National Commerce Act, the Gramm-Leach-Bliley Act concerning the Privacy of Consumer Financial Information , the Bank Secrecy Act, Internal Revenue Service regulations , and the extensive protections provided by the FCRA ( 15 U.S.C. 1681-1681x ). Moreover, it includes my rights under the Consumer Financial Protection Act of 2010 ( CFPA ), specifically 1031 ( a ) and 1036 ( a ) ( 1 ) ( 12 U.S.C. 5531 ( a ), 5536 ( a ) ( 1 ) ), the Truth in Lending Act ( 15 U.S.C. 1601-1665 ), the Fair Credit Billing Act ( FCBA ) ( 5 U.S.C. 1666-1666j ), and the billing error resolution procedures under 12 C.F.R. 1026.13 ( Regulation Z ).

Given the significant implications for my financial well-being and credit history, I request an immediate and thorough investigation into these allegations. It is crucial to ensure that all collection efforts are valid and that any reporting to credit bureaus accurately reflects the legal and factual circumstances as required by the aforementioned laws and regulations. 

Sincerely, XXXX XXXX XXXX XXXX Citizen of Indiana state, All Rights Reserved without Prejudice
Product: Vehicle loan or lease

I overpaid my car loan and now I am awaiting a phone call to explain how they neglected to apply additional payments to my principal and how they adjusted the final payment from XXXX to XXXX to keep a credit of {$110.00}. Keep in mind my account was set on auto pay I was never late but somehow they couldn't understand the payment schedule they created to receive a bonus amount at my expense.
Product: Checking or savings account

Ive been a customer with bank of America for a long time and never had any issues. Last week my account was compromised and there was a number of unauthorized transactions. All the transactions occurred on XX/XX/year>. I disputed 3 {$10000.00} {$500.00}, and 1 {$100.00} transactions and they were denied. I already tried to get refunds from the merchant but they are not cooperating. I need Bank of America to chargeback the merchant as credit not processed or services/merchandise not received and return the funds to my account ASAP. I have bills to pay and this whole ordeal has left me out of XXXX, currently behind on rent and other bills. My livelihood is at risk. What does BoFa expect me to do? How do I get my money back? I thought my funds were safe with them.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally complain against XXXX  XXXX regarding their failure to follow through on an agreed-upon goodwill deletion of late payment entries on my credit reports. Despite multiple attempts to resolve this issue, the incorrect information remains on all XXXX XXXX  credit bureaus ( Equifax, XXXX, and XXXX ). 

Background of the Issue I have been a loyal XXXX XXXX customer since XX/XX/XXXX and have consistently managed my credit responsibly. In XXXX, however, circumstances beyond my control led to XXXX late payments on my XXXX XXXX XXXX XXXX XXXX ( Account ending in XXXX ). These delays were the result of issues with payment distribution from my Debt Management program provider, XXXX XXXX XXXX. Additionally, one missed payment in XXXX was due to an XXXX XXXX XXXX XXXX XXXX 

In light of these extenuating circumstances, I reached out to XXXX XXXX on XX/XX/XXXX, requesting a goodwill adjustment to remove these late payments from my credit reports. I emphasized my long history of responsible financial management, my commitment to honoring my obligations by choosing a Debt Management program over bankruptcy, and the significant impact these late payments were having on my ability to secure a mortgage for my first home. 

XXXX XXXX acknowledged my request and agreed to facilitate the goodwill deletion as a gesture of goodwill. However, despite this agreement, the following late payments are still inaccurately reported on my credit reports : Inaccuracies Reported : 30 Days Late : XX/XX/XXXX on Equifax, XXXX, and XXXX 60 Days Late : XX/XX/XXXX and XX/XX/XXXX on Equifax, XXXX, and XXXX Attempts to Resolve the Issue Since receiving the goodwill adjustment agreement from XXXX  XXXX, I have made several follow-up attempts to ensure that the late payments are removed from my credit reports. Despite these efforts, the inaccuracies persist, causing significant harm to my credit score and overall financial standing. 

Impact of the Inaccuracies The failure to implement the agreed-upon goodwill deletion has resulted in considerable financial harm, including higher interest rates, denial of credit applications, and an overall negative impact on my creditworthiness. These inaccuracies are especially damaging as I am in the process of securing financing for my first home.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate accounts in my report 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 XXXX XXXX 2024 when i woke up i was notified that {$2500.00} had been taken out of my account and paid to someone named XXXX XXXX who i do not know nor have i ever done business with them.While i was on the phone wiht the bank telling this to them another withdrawel came in from a differant person and then another under this same name. The bank cleary saw this was fraud and stopped payment before i did it myself however they refused to reimburse me of the {$2500.00} I will be attaching pictures of the various letters i was sent and my bank had to send me 2 new cards and also refunded anther payment that they allowed to be taken out after i hit the word no on the text i receieve asking if i authorized the transaction. After being a customer of this bank for well over 20 plus year ; 's i feel i should bbe reimbursed without hesistation because this payment was not authorized by me at all.
Product: Credit reporting or other personal consumer reports

This is not a verification account. XXXX Account # XXXX XXXX is reporting four accounts to my consumer reports that I did not express permission or permissible purpose to report. 15 USC 1681 b. As a consumer I have the right to privacy pursuant 15 USC 1681, pursuant 15 USC1692, and pursuant 15 USC 6801. My private information is my business. My loans are my business. My loans are my private information. XXXX  have reported my private information without my consent. XXXX  actions have amount to aggravated identity theft 18 USC 1028a. As a consumer they have an obligation to protect my personal non-public information. They have reported my confidential and private information to an unaffiliated third party without giving me the proper disclosures 15 USC 6802. 15 USC 6802 Obligations with respect to disclosures of personal information opt out in general. A financial institution clearly and conspicuously discloses to the consumer in writing or electronic form or other form permitted by regulations prescribed under section 6804 of this title that such information may not be disclosed to such third party ( c ) the consumer is given an explanation of how the consumer can exercise that non disclosure option. XXXX  have violated my right to privacy. Their actions have cause me and my family severe mental anguish defamation of character. XXXX has stolen my identity, violated my consumer rights to privacy and the obligation they have maintain the security and confidentiality of my private information. They have no lawful authority or permissible purpose to put any account on my consumer reports. 15 USC 1681 and civil liability for willful non-compliance. In general, any persons who will fully fails to comply with any requirements imposed under the subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of. B. Says in the case of liability of a natural person for obtaining a consumer report under false pretenses of knowingly without a permissible purposes actual damage is sustained by the consumer as a result of the failure or {$1000.00} whichever is greater. 

Please delete XXXX Account # XXXX
Product: Checking or savings account

My wife and I opened a new Barclays XXXX XXXX Account ( ending in XXXX ) on XX/XX/2025. We then followed the Barclays process to link our external bank account ( XXXX XXXX savings account ending in XXXX ) to the new Barclays account in order to fund the new account. 

On Wednesday, XX/XX/2025 we received an email confirming that Barclays had successfully verified our XXXX XXXX external bank account ending in XXXX, and that the transfer of funds we had requested on our application would be automatically processed. That same day we also received an email from Barclays notifying us that our request for funds transfer from our XXXX XXXX XXXX bank account ending in XXXX to our Barclays XXXX XXXX account ending in XXXX has been received and successfully processed, and another email confirming that funds transfer had, successfully posted to your Barclays Savings account ending in XXXX on XX/XX/2025. Finally, early Thursday morning, XX/XX/2025, I received an email informing me that, with your most recent deposit, you are now earning a higher savings rate tier of 4.50 % APY on your account ending in XXXX. That is the reason my wife and I opened this account and funded it with a large transfer of {$250000.00} ; to earn the highest tier APY Barclays offers. 

That same morning ( XX/XX/2025 ), I tried to log into my Barclays account online to confirm the deposit, but received the following message : Your account is currently restricted. Please contact customer care at XXXX Monday to Sunday, XXXX am to XXXX pm ET for assistance. I called the customer care three times on XX/XX/XXXX, XXXX, XXXX, and XX/XX/XXXX. Each time I was provided very little information and falsely promised that I would be receiving a call from someone who could explain the situation and help get my account unrestricted. Yet, to date, nobody has called and my account remains restricted and inaccessible. I am worried about the status of my account and balance ( {$250000.00} ), and Barclays has been completely unresponsive and unhelpful to date. 

At the suggestion of the first customer care representative, on XX/XX/2025 I submitted copies of my XX/XX/2025 XXXX XXXX bank account statements ( the source of funds savings account ending in XXXX, and a separate CD account ) via email to XXXX to prove that those accounts are titled the same and owned by me and my wife. Yet, to date, I have received no confirmation of receipt or response to my email, and my account remains restricted and inaccessible. 

It is unfair, deceptive, and completely unacceptable for Barclays to indefinitely restrict my account without any further communication.
Product: Checking or savings account

I received a notice that my coronavirus nsf fee waiver would end on XX/XX/2020 on XX/XX/2020. I had been caught up with moving out of an apartment I could no longer afford due to my roommates mom XXXX from XXXX. At the end of XXXX I realized that USAA had taken almost {$500.00} in nsf fees from my account. After working my way up to the office of the XXXX, I was told they would assign me an advocate. The advocate called me a few days later with almost no knowledge of my complaint and told me that they were keeping the fees. I was eligible for the waiver in XXXX, as I was severely overextended from the move. To be ineligible because I hadnt known the waiver could be extended seems predatory, as I really need this money. Please help!!! I can not afford to take this to court.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I declined a payment to XXXX XXXX XXXX. We had sent money to each other before. But as started looking back a month ago, his name and all transactions are changed to XXXX XXXX, even in my bank statements from cashapp. I asked how this was possible. Because that isn't his name. They said they had nothing else to provide. so, it's a fake name showing on my statements now. Which is fraud I'm fairly certain. I asked cashapp to simply verify his i.d . which they didn't.
Product: Mortgage

XX/XX/XXXX I disputed information on a Bank of America Home Loans account that had been sold to XXXX Bank XX/XX/XXXX. The reason for the dispute was because the Bank of America account still had a status of " Open '' even though the account was sold four years earlier. Prior to creating the dispute with XXXX there had been no missed payments on this account as payments were being DEFERRED for 10 years from the initiation of the loan. XX/XX/XXXX the investigation was completed and correctly changed the status of the account to " Closed ''. However, XXXX now shows that I was delinquent on this account for over 120 days. I have asked XXXX to dispute with Bank of America multiple times but you ( Bank of America ) insist that I was delinquent on this account. 

I have sent letters to XXXX and Bank of America with the above and I still have n't got a response from Bank of America. I received a response from XXXX stating that the negative information on my account is factual. 
I have called Bank of America and state they ca n't provide me account access to my previous XXXX that I had because the account is no longer open.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wallet has been stolen on several occasions and my information has been leaked in a data breach. Following these events, someone used my name, Social Security number, date of birth, and other identifying information, without my authority, to commit fraud on behalf of XXXX XXXX, XXXX XXXX XXXX, AMOUNT : {$2300.00}. 

I did not authorize or give consent to Experian, XXXX XXXX, XXXX XXXX XXXX or any other agency to furnish information related to me. 

Following my previous dispute, I was informed that XXXX XXXX, XXXX XXXX XXXX, AMOUNT : {$2300.00} was deleted from my credit report granted that it is a fraudulent account. I DID NOT AUTHORIZE THIS ACCOUNT! As such, it should be removed and blocked from my credit report. 

XXXX XXXX, Account NumberXXXX, has not been reported properly. After looking at past and present credit reports it has come to my attention that you have allowed this item to be reinserted into my credit file after it had been deleted. Based on the credit report dates the period during which this reinsertion took place was around XX/XX/2019. 

As has been noted, a credit investigation is supposed to involve reviewing documents, researching facts, interviewing witnesses, or comparing handwriting. During my previous dispute process, Experian did NOT conduct a meaningful examination of the underlying facts, which is a mere violation of the Fair Credit Reporting Act. Experians employees are no more than data entry clerks in the dispute and investigation process. Experian did NOT properly review any documents, research facts, or interview any witnesses, such as family, associates and/or neighbors.
Product: Checking or savings account

Monday, XXXX XXXX XXXX we contacted NOVO Bank in regards to our account being frozen, after we were informed about the issue with our merchant/payment provider for our website notified us they were unable to deposit into our account. 

We asked why our account was frozen and were told " we can not tell you why and can not give you a timeline. Sorry for the inconvenience '' We then asked why they can't tell us that, and all we got was a copy/paste of the same exact response to the first question. 

We then asked if it was possible that we could just close the account and withdraw the funds that were in the account so we can bank elsewhere. NOVO then responded by NOT responding and closing the communication chain on us. 

This was done all via their chat option online, as they are not a physical bank and do not have a phone number listed anywhere that we could find to be able to contact them.
Product: Debt collection

I do not have a contract with company. Inaccurate information reporting on my consumer report.
Product: Credit reporting or other personal consumer reports

See attached documents XXXX XXXX, Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number ( private ), a collection account opened at XXXX Credit on XX/XX/XXXX under the account number ( private ), a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ), a collection account opened at XXXX XXXX on XX/XX/XXXX under account number ( private ), a lease installment account with XXXX XXXX XXXX opened on XX/XX/XXXX under the account number ( private ) and a collections account opened at XXXX on XX/XX/XXXX with a balance of {$890.00} ( private ) that appears related to the aforementioned unknown account. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Isn't it tiring for the Credit Bureaus to receive letters having the same requests? Because for me, I have alraedy reached the peak of my patience and I am on my way to pursue legal action against the Credit Bureaus. I am submiting this countless complaint addressed to the Credit Bureaus to tell them that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to the fraud or extortion. 

XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX ( Original creditor XXXX XXXX XXXX  ) XXXX Balance {$760.00} XXXX  XXXX Balance {$0.00}
Product: Checking or savings account

on XX/XX/2022, The Supplemental Security Income ( SSI ) agency denied my application due to the money in my business checking account with Bank of America. I called the bank who confirmed that there is a business checking account under my name and also under my social security number. But, I told them that I never opened any business checking account and was not aware of the exiting account under my name. 
on XX/XX/2022, I called the bank fraud department ( XXXX ) and disputed it. The bank gave me a case number XXXX. I asked them to send me a letter about this report. I need it to prove with SSI agency that business checking account was not mine. 
However, the bank told me that they can't send anything to me. In fact, it would take at least 60-90days to have an update