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

There are 2 Inquires on my credit report that should not be there.
Product: Debt collection

I want to request the original contract from the original creditor with my authentic signature on it. I would also like to request the payment history with the original creditor. Finally, I would like to request the proof of debt assignment. I would like to know how and when this company was assigned or purchased this debt.
Product: Debt collection

I received a notice from capital one auto finance. I have suffered anxiety, mental anguish, loss of money and jobs because they are bombarding/abusing me to pay an alleged debt. The notice received was filled with threats such threatening me about repossession and false information will information will be furnished on my credit report, which is a violation of 15USC 1692d ( 2 ). They used a symbol in the context of their communication that indicated that they are in the business of debt collection, violation of 15USC1692b ( 5 ). According to the Truth and Lending Act, I am only supposed to pay a finance charge. Therefore, that makes the contract void. Capital One Auto finance is attempting to collect money from me for a fraudulent contract.
Product: Debt or credit management

Unlawfully failing to properly investigate consumers dispute. Experience does not take sufficient steps to intake, process, investigate and notify consumers about consumers dispute, resulting in the inclusion of incorrect information on credit reports. Inaccurate or false information of consumer reports cant threaten consumers access to credit employment, and housing.
Product: Credit card

I have credit issued to me for an overpaid balance. They are refusing to return that amount. I have fought with them over the phone numerous times. They keep hanging up on me and I have not received the amount! 

Citicards.com.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against ChexSystems for Unauthorized Furnishing of Account Information Dear Consumer Financial Protection Bureau, I am writing to formally submit a complaint regarding ChexSystems for the unauthorized furnishing of account information reported on my consumer report. I have attached my identity theft affidavit and a detailed letter outlining the issues at hand. 

ChexSystems included account information in my report without obtaining my explicit consent or written authorization, which is a clear violation of the Fair Credit Reporting Act ( FCRA ). The FCRA mandates that consumer reporting agencies must secure proper consent before including information on a consumers report. 

To support my complaint, I wish to highlight relevant federal cases that underscore the seriousness of these violations : 1. **Cunningham v. Equifax Info . Servs., LLC**, 2018 U.S. Dist . LEXIS 216015 ( E.D. Mich. Dec. 21, 2018 ) : This case illustrates that consumer reporting agencies must ensure the accuracy and legitimacy of information included in consumer reports and adhere to strict compliance standards. 

2. **Miller v. Equifax Info . Servs., LLC**, 2019 U.S. Dist . LEXIS 5607 ( N.D. Ill. Jan. 11, 2019 ) : This case reinforces that a failure to correct inaccurate information after being notified constitutes a violation of the FCRA .

3. **Murray v. Experian Info. Solutions, Inc.**, 2019 U.S. Dist. LEXIS 43435 ( N.D. Ill. Mar. 14, 2019 ) : This decision highlights the importance of obtaining proper consent and provides a precedent for holding consumer reporting agencies accountable for non-compliance. 

Given the gravity of this issue, I intend to file a federal lawsuit for violations of the FCRA. The unauthorized reporting of my account information has caused undue stress and potential harm to my credit profile. 

I request that the CFPB investigate this matter thoroughly and take appropriate action against ChexSystems to enforce compliance with the FCRA. Your intervention is critical to ensuring that my consumer rights are protected.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the XXXX XXXX XXXX XXXX. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an XXXX XXXX XXXX. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. XXXX XXXX XXXX  XXXX XXXX {$1900.00} XXXX XXXX Balanced {$4400.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against XXXX XXXX  and Credit Reporting Agencies ( CRAs ) XXXX, XXXX and TransUnion for violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically, these entities have breached the following federal laws : 15 USC 1681b ( 2 ) : Unauthorized access to my credit report. 15 USC 1681s-2 : Furnishing inaccurate information and failing to correct and update information. 15 USC 1681b ( 3 ) : Improper use of consumer reports for adverse actions without proper notification. 15 USC 1681a ( d ) 2 ( A ) ( i ) : Consumer reports do not include information solely about transactions or experiences between the consumer and the person making the report. Late payments and utilizations are considered transactions and experiences and should be deleted. Additionally, charge-off accounts should be excluded from my consumer report pursuant to IRS rules and guidelines, as they are considered ordinary income and income is not reported on consumer reports. These violations have negatively impacted my creditworthiness and financial stability. I urge the CFPB to investigate these infractions and ensure compliance with federal laws to protect consumers like myself. Additionally, credit scoring models like FICO and XXXX are proprietary tools and algorithms used by lenders to assess creditworthiness and determine credit terms, but they are not factors outlined in the consumer report or governed by federal consumer protection laws, which take precedence over individual bank guidelines. I rely on the CFPB to enforce federal consumer protection laws and regulations ensuring the credit reporting practices, including those used by lenders adhere to established guidelines and do not override the protections afforded to consumers under federal law. XXXX {$990.00}
Product: Credit card

XX/XX/XXXX, I had originally opened a credit card with Sovereign Bank, which was administered by the third party XXXX XXXX XXXX. XXXX Santander Bank 's acquisition of Santander Bank XX/XX/XXXX, all credit card administration was transferred from XXXX XXXX XXXX to be handled in house by Santander Bank. Upon reviewing my credit report XX/XX/XXXX, I noticed that my credit reporting history dd not include any of the time that my credi card was handled by XXXX XXXX XXXX as part of Sovereign Bank. I inquired about this first with Santander Bank, and was told that they did not have any record of my credit history prior to the acquisiton on Sovereign Bank, ( this despite the fact that I never closed any accounts, and all of my checking, savings, and credit card account balances were transferred over ). I was instructed to contact XXXX XXXX XXXX. XXXX XXXX XXXX informed me that they no longer have n records of the credit history for any clients that were transferred to Santandr Bank, as all client records were handed over toSantander Bank. I have filed multiple inquiries with Santader Bnk to no avail, and am contnually told that they do ot have any information, again, this is despite the fact that I never closed any accounts, and all of my checking, savings, and credit card account balances were transferred over following the acquisiton by Santander Bank. This situation is negatively impacting my credit score and the average age of my account balances, as well are credit reporting history. I am requesting a formal CFPB complaint to be filed against Santander Bank and XXXX XXXX XXXX regarding into this matter.
Product: Vehicle loan or lease

I was suppose to be the co-signer but they had me sign on the line as buyer,, which I should have looked at closer but I just signed where they had the little tabs marked. After I signed I was told I could leave and the ones buying the car were to stay. The car was repossessed and I found out afterwards I was the buyer so it messed up my credit. The other people werent told to sign anything but were given the keys and left. I didnt fill out an application but someone there did saying I make over {$46000.00} a yr. Which I dont. I only get {$590.00} a month social security. When I asked for a copy of the contract, I got it then about a week later I received a letter offering to buy the car back,, which I never had,, never even been in the vehicle.So it was a straw purchase using my credit score and someone elses income .Iwas lead to believe I was the co-signer and signed where I was told. Now its messed up my credit and were trying to get things done on our house but cant because of this. The vehicle was bought from XXXX XXXX in XXXX Texas and financed through Chrysler.I need this cleared up asap but all they say is well you signed the papers! If they would have been honest I would have never signed those papers. The vehicle was repossessed and sold in the XXXX area but theyre still showing I owe almost {$15000.00} on it. Please help me. I tried the XXXX and they suggested going through you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has my name spelled wrong on their credit reports, everything else is correct but my name is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these inquiries deleted or updated. These are the items I demanding to be deleted immediately Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN 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: Debt collection

* XX/XX/2016. i got into a car accident. 
*I was in my mothers car. my mother did have insurance with wind haven. i was not on her insurance. 
*I was at fault. 
*6 months later ( XX/XX/XXXX ) i received a letter from " XXXX subrogation Department ''. 
*That letter stated " YOU ARE LIABLE FOR PAYMENTS THAT XXXX MADE TO ITS POLICYHOLDER AS A RESULT OF THE LOSS. THE DAMAGES ARE {$7800.00} '' * On XX/XX/2016. i got a call from " wilber & associates '' * The case number they had on file was the same as the one on the letter from " XXXX ''. 
* This company told me that i no longer owe the {$7800.00}. now its SUDDENLY {$120000.00}. 
*They told me that if i do n't pay {$250.00} a month starting this month that they would get my FL drivers license suspended. and that if i did n't start those payments that they would not allow me later on to negotiate a payment plan. 
* I NEVER got mail from them before this phone call. 
*I told them that i would not make payments until they mailed me proof that i owe that amount. 
* They then got Mad, were very rude, practically Threatened to ruin my MILITARY career, spoke over me, then hung up the phone. 
* After several attempts they sent me their " proof '' for some of the debts. MOST of the proof were mearly Estimates of the damages. 
* Heres what they 're charging me -total loss XXXX : {$9100.00} - Net salvage : - {$1600.00} -Rental Reimbursement : {$230.00} -XXXX : {$4700.00}. 

They sent me paperwork for everything EXCEPT the XXXX, they refuse to show me any type of proof of where those {$4700.00} were even spent on. no proof at all that the other people involved even went to the hospital for any type of injuries. the person handling my claim even told me that i am a " NOBODY '' and that i have NO right to see proof of that paperwork. he also told me that they DONT have that paperwork which I 'm sure they do n't, but at the same time he said that the other person involved had a XXXX. contradicting himself. 
*i have explained MULTIPLE times to them that i have no problem paying as long as there is accurate paperwork to support their claims. 
* the police report says that there were NO INJURIES!
Product: Credit reporting or other personal consumer reports

I am challenging the accuracy of specific data on my credit report as it incorrectly reflects my financial transactions. This issue represents a breach of the Fair Credit Reporting Act, specifically section 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to maintain accurate and updated information in consumer reports. I have provided documents that demonstrate these inaccuracies, and I urge a swift investigation and amendment of these errors.
Product: Credit card or prepaid card

I had a XXXX XXXX card with XXXX. First National Bank of Omaha took over card. Never had a late fee or interest payment in a decade or more with XXXX. As soon as First National/Omaha took over card had fees every month. Finally went to Post Office and was told First National was returning my bills as undeliverable even though I sent them back in their return envelope. So then they'd charge me late fees and interest.
Product: Debt collection

I have dispute the appearance of a collection on my account repeatedly that is not accurate and I am getting frustrated by Cavalry Portfolio Services contacting me, calling me and my family members and sending me letters regarding {$1200.00} that they think I owe them. I do not owe anyone anything, I have no idea how or where they retrieved this sum since all of my cards have been settled with the original companies. I mean this is so old and I can not imagine how and why they continue to pester me. I have asked them to stop and they have refused and I have asked them to stop ruining my credit and they refused. I am certain these unlawful practices are punishable by law, the statue of limitation is far exceeded here with these collectors.  My concern is if I settled all of my debts and continue to make payments with the credit cards ... why am I being double billed by this company? Who are they? I even disputed the validity with the 3 bureaus and requested a validation of debt and nothing was provided. Please investigate this and have them remove their erroneous account from my credit profile. this is getting alarming!
Product: Checking or savings account

On XX/XX/XXXX, Wells Fargo opened a checking account in my name. I received email that notified me of the new account, and that additional information would be required to make it active for use, then I received an email confirming it was officially open and ready to use. The account was opened using my SSN, fraudulently, online. 

The account has been closed, and no financial transactions took place because I alerted Wells Fargo the same day I received the email that I had not opened the account. WF referred for fraud investigation internally, and found that it was fraudulently opened and do not " hold me responsible ''.

My complaint is that WF opened this account without a proper identity verification and that they will not provide me, the victim, how identity was verified ( both mechanism used and ID shown to them ) what other information was used that is my personal information.
Product: Credit card or prepaid card

Today ( XXXX ) I just so happen to check my Macy 's credit card and noticed that there was a {$2.00} balance on it. Not knowing what the balance is for because I paid the balance off in full last month on XX/XX/23 which is prior to the due date and the balance should be {$0.00}. I reached out to Macy 's credit card line to get answers and was told by the representative ( no name given ) that it is a charge for a carried over balance. I explained that there was not a balance carried seeing as though I paid the balance off on XXXX which is weeks prior to the XXXX due date. The representative goes to tell me that I had a balance in XXXX which carried over to XXXX and that is what the {$2.00} interest fee is for. I explained that did not make an sense seeing as though the small balance from XXXX of {$1.00} was included in the XXXX statement which was paid off and should have brought the balance down to {$0.00}. She goes on to tell me she can waive the fee which I accepted and explained that someone would need to review my statements to see why I was charged the same {$2.00} fee prior. The representative gets a supervisor after a 15 minute wait. The supervisor was extremely rude to me and would not let me explain why I thought that the {$2.00} charge was not valid. He would over talk me and try to use his outside voice to try and intimidate me so I would not ask any questions and just accept that they would waive the fee. This is not fair business practices. I have even googled this and multiple people are dealing with the same issue with Macy 's and the {$2.00} interest fee they are automatically charging even when the balance is paid in full. It's extortion, imagine how much money Macy 's makes charging hundreds and thousands of people XXXX XXXX  monthly without their knowledge. It's not fair and it needs to be looked into!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter certified mail to XXXX XXXX XXXX asking for 1. Validation of the debt- that is the actual accounting 2.Verification of a signed invoice 3.A copy of the contract binding both parties ( myself XXXX XXXX, and XXXX XXXX XXXX ) however according to 15 USC 1692 E,15 USC 1692 D,15 USC 1692 D-May not use language or symbol of any envelope or in the contents of any communication effected by the mail or telegram that indicated the debt collector is in the debt collection business or that the communication related to the collection of debt
Product: Payday loan, title loan, or personal loan

Hello, I am writing to file a formal complaint against Giggle Finance, a company that markets a financial product that is misleading and deceptive. The product in question is marketed as a loan, but in reality, it is not a loan at all. Instead, it is a purchase of future revenue from the borrower 's business earnings. This deceptive marketing practice is both illegal and unethical, and it puts vulnerable borrowers at risk.

Giggle Finance 's website repeatedly markets the product as a loan, even though the contract explicitly rejects the notion that it is a loan. This is a clear case of false advertising, as it misleads potential borrowers into thinking they are getting a loan when they are not. The website also fraudulently promises that borrowers ( who are actually " sellers '' of their future revenue ) have " extreme '' flexibility with repayments and can repay their " loans '' at their own pace. However, the fine print in the contract requires them to pay a required amount weekly, which is far from flexible. 

This deceptive marketing practice puts vulnerable borrowers at risk of financial ruin. Many people who take out loans are already struggling financially, and they may not fully understand the terms and conditions of the loan they are taking out. By misrepresenting the product as a loan, Giggle Finance is taking advantage of these vulnerable borrowers and putting them in a worse financial situation. 

Therefore, I urge the CFPB to investigate Giggle Finance 's marketing practices and take appropriate action against the company. This kind of misleading and deceptive marketing is both illegal and unethical, and it should not be tolerated. 

Thank you for your attention to this matter.
Product: Credit card

I have been unsuccessful in my attempt to resolve a billing dispute with American Express for over two years. As such, I filed a formal law suit in XXXX XXXX XXXXXXXX XXXX contesting the billing and serving papers on American Express via the XXXX XXXX on XX/XX/year>. Index number XXXX. 

Further, American Express never provided notice of this action nor of their accounting of both Platinum and Blue Cards as one account - whereby if one account is being litigated, both accounts are at risk for closure. 

In retaliation, American Express closed my personal credit card accounts for both blue and platinum. My blue card was not in dispute nor subject to the lawsuit and was in good standing. 

I have yet to receive any documentation as to why this was done and therefore believe it was conducted with malice and in direct retaliation to my attempt to assert my legal rights. 

American Express has not responded to my formal complaint in court.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus on XXXX to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Take note of the attached documents. I want the bureau to look into these accounts, as I have a history of being punctual, contrary to their current late reporting.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account Number XXXX To Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed above still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 

Furthermore, In accordance with The Fair Credit Reporting Act, Public law XXXX, XXXX VI, Section XXXX, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation. 
Please provide : XXXX. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up. 
XXXX. The date you contacted the individual funishers of information. 
XXXX. The method of communication you used to verify the information. 
I would also like to know if the furnisher provided you with my SSN, address or DOB. 
Please forward an updated credit report to me after you have completed your investigation and corrections. 
Your cooperation and prompt attention are required by law.
Product: Prepaid card

a load reversal in the amnt of XXXX was made on my acct ( call it a ) from merchant affiliated with card company in error on XX/XX/XXXX info was verified by my credit card ( card b ) that funds were removed and posted on orginal date of transactionand prepaid card company cant figure why funds removed nor seem willing to return.. I have spoken with fraud dept, acct protection and merchant affiliated with amex serve and have been given incorrect info, no call backs as promised.. I keep having to contact my cc company and have given my personal cc info 3 times along with my ssn to these reps ( not smart I know )