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

XXXX  XXXX Balance Owed : {$0.00} - This account has the wrong balance. Please remove this account because inaccurate information is being report XXXX XXXX XXXX Balance Owed : {$280.00} - The Open Date on the account has been changed. It is a Violation to Re-aged the open, Please Deleted Immediately XXXX XXXX XXXX Balance Owed : {$83.00} - Your records are revealing conflicting and incorrect information compared to other bureaus XXXX  XXXX  XXXX Balance Owed : {$1700.00} - This account has been transferred and you're still reporting the original creditor. You are reporting this account twice. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of the last activity. These are all violations so please DELETE Immediately. 

XXXX  XXXX Balance Owed : {$71.00} - This account Belongs to someone else. This is not my account. Provide me specific data to prove that it belongs to me or remove it accordingly.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Office of the Attorney General of Texas XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate Credit Reporting by Experian Dear XXXX XXXX, I am writing to formally dispute inaccuracies present in my credit report as reported by Experian. I have identified discrepancies between the information available on the Experian website and the report I obtained from XXXX. 

Specifically, my account is inaccurately marked as a " charge-off, '' which is incorrect. This misinformation has been on my credit report for over a year and is adversely affecting my creditworthiness. I have not entered into any agreements with third-party companies that may have contributed to this erroneous reporting, and I have no contractual relationship with them.

Under 15 U.S. Code 1681n, Experian may be liable for willful noncompliance in this matter, as they have obtained and reported my information under false pretenses. I urge your office to investigate this situation, as I have sustained damages due to this inaccurate reporting. 

I am attaching copies of my credit reports for your review, which highlight the discrepancies in question. I request that you take the necessary actions to have this account removed from my report immediately. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely,
Product: Mortgage

My name is XXXX, I have a wife of 13 years and XXXX school age children, we have XXXX dogs and a XXXX. Im a XXXX XXXX XXXXXXXX XXXX  vet from 3 tours between XXXX and XXXX as ground forces. 
My wife works full time for the XXXX I am a full time ( 60 hr ) XXXX XXXX I draw my full military retirement I dont pay for medical insurance for my family, due to my retirement We have 3 incomes and XXXX kids, but we cant buy a house. 
Why? Because investors and bankers are inflating the market beyond reason. 
In closing Ill ask this. If we cant afford a home, then who can? 
Dont let investors set us back another 10 years like they did in 2007. 
Respectfully XXXX
Product: Debt collection

I purchased a washer/dryre from Sears in XX/XX/XXXX. I made regular payments and was never late. In XX/XX/XXXX, I made a payment on the due date and was immediately turned over to collections. With the proof that the payment was not late, I contacted Citibank and demanded that their mistake be corrected. When I tried to make my next payment, I was unable to do so because a survey came up that demanded ansers to questions that had nothing to do with my online account. The survey requested a home phone number which I did not have and they had my cell phone number. I was locked out of my account. I had sent 20 emails, which I still have. They were all blocked and none of my calls were returned. I received no paper statements and when I tried to access my account, I was unable to do so. I then sent them a check for payment in full for the last balance I could access. My check was returned to me with no explanation. This account was then turned over to collections in XX/XX/XXXX. It did not say that it was for Sears and after many calls to different collection agencies I was refused the information as to what account this debt was originally for. I refused to give my private info and pay a debt when I could not get the name of the original creditor. This month I received another letter from XXXX XXXX with all of the information for this account and it was the first time I was told that it was from Sears. I paid the balance on this through the collection company which was less than the check I had sent to Sears 4 years ago. This is ridiculous and should never have gone to collections. I have since called citibank and they have said they have no record of this account. I have been put throuhg a huge hassle and had my credit negatively affected by their poor customer service practices. I still have every email and letter that I sent to them. They never tried to resolve this matter with me directly.
Product: Credit card or prepaid card

I was charged for a {$1200.00} transaction on XX/XX/XXXX and Citibank/ bestbuy waited for a month and closed dispute with a wrong reason. 

Disputed transaction Date : XX/XX/2023 ; Disputed Amount : {$1200.00}. 

There is no record of this transaction on bestbuy.com for this amount on that date. Bestbuy customer service have told me that there is no record of this transaction. 

I believe this transaction is showing up because of some odd way bestbuy has been processing a refund of an old transaction. 

Related transaction date : XX/XX/2023 ; amount : {$1200.00} ; This was TV pickup order i made. I canceled transaction on XX/XX/XXXX without picking up tv and bestbuy refunded that amount. 

2nd related transaction date : XX/XX/2023 ; Amount : {$1100.00} ; I made a different transaction on XX/XX/2023 for {$1100.00} for same TV pickup and I picked up the tv. 

From my pov, {$1200.00} transaction on XX/XX/XXXX was canceled and refunded on XX/XX/XXXX. I made a separate transaction for tv pickup that i pickedup for which i was rightly charged {$1100.00}. 

Reason provided by credit card card company for closing dispute without refund : I pickedup the tv. 

Why i contest the reason : 1 ) I canceled that order completely 2 ) I pickedup TV by placing a completely new order and was charged for it 3 ) the old transaction shows up as canceled on bestbuy.com and bestbuy customer service also confirmed that it is completely canceled and i should not have been charged.

I dont understand two things. 
1 ) Why will a {$1200.00} transaction suddenly appear on XX/XX/XXXX on my credit card when it was refunded on XX/XX/XXXX XXXX ) How can a transaction amount appear on a different date on my credit card when my bestbuy.com account shows it as canceled and refunded and there is no record of this transaction 3 ) Why does bestbuy/ citi take more than one month on this dispute and resolve it without adequately investigating or explaining to me
Product: Checking or savings account

I've been having increasing problems with USAA over the past 6 months. I've banked with them for over 20 years and never had problems with them reorganizing transactions or flip-flopping transactions back and forth between " pending '' and " debited '' until now. I've made multiple purchases, had the funds in my account with no pending charges, and woken up the next morning to a negative balance and multiple NSF fees. At times, charges will completely clear my account only to go back to pending days later. It's impossible to keep up with my banking at this point and they keep hitting me with fees when there have been funds to cover the purchases in the first place.
Product: Checking or savings account

So on XX/XX/XXXX I went to Chase Bank to deposit money to pay off my next college semester. I made XXXX separate deposits but the last one the ATM gave me an error saying that for the funds to go through I would have to call a number. The thing is that I did but they told me that it would take days for the case to be investigated which I can not afford as payment deadlines are close. Ao what they did was to file a claim for a missing deposit and they told me there was nothing else they could do.
Product: Mortgage

The com pany Loan Depot operating as " iMortgage '' in IL should be investigated for fraud. The LE 's ( Loan Estimate ) they issue customers ( myself included ) is/was EXTREMELY inconsistent with the actual CD ( Final Closi ng Disclosure of costs ). Furthermore for a  XXXX  loan, the entire portion of the escrow hold back ( in my case it was  XXXX  ) was not broken down into individual line items like the law now ( TRID ) requires and they charged me twice for the same {$800.00} fee listed on the CD. In fact, I was never properly disclosed the correct break down of this escrow hold back EVER by the company, in the entire process and can prove that is the case. I only got an estimate by the  XXXX  loan consultant  at one poin t weeks before closing. iMortgage did NOT disclose this itemized cost/escrow hold back whatsoever and likely does not do so at all to other customers like TRID requires they do before AND at closing.     My closing on  XXXX   XXXX    XXXX   lasted for ove r 4.5 hours. During this time, 5 different departments could not figure out how to get me the b reakdown of this lumped  XXXX  cost/escrow amount. I finally at  4 hours  into the closing was contacted by people in AZ who emailed me the breakdown. I discovered they had added a fee twice on to my CD that I had already paid outside of closing. They not only refused at that point to remove it from the  CD ( as I a m sure the loan amount could not be changed at the table ), but they also did not credit me in any way and said I would " Get that money later on ''.     The above is complete fraud and I am certain that upon investigation into this company LOAN DEPOT and iMORTGAGE, that they are breaking more than one law in regards to proper disclosing before and at closing.     On a side note, my loan  officer  was  XXXX   XXXX  and he played a major role in all of this. I do not feel he is equipped to do loans for people in general anymore. He is a much older gentleman and he was sent documents  3-4 times on average ( the same document throughout the entire 3-4 month train wreck of a mortgage process ).    XXXX   XXXX  is an employee whose entire department should be investigated. She was the  XXXX  rep for my loan and did a very poor job communicating or sending documentation/explanation at all.     Overall, I am astounded that  iMortgage  and  Loan Depot are all owed to do purchase loans for individuals at all. The process could n't have been more of a nightmare roller-coaster, and it 's a shame that they have been able to trick the system this long without getting caught. Did I mention my closing was ove r 4.5 ho urs long?!
Product: Payday loan, title loan, or personal loan

to who may concern My name is XXXX XXXX and I am a victim of presto auto loan malpractice and false advertisement, last years I was in search of a loan, to help me maintained the course of my business, I took out a loan of {$10000.00} on XX/XX/XXXX and used my XXXX XXXX XXXX to secure the loan the advertisement that I saw on TV, and also was told my a presto customer service was that Presto will loan you the money half of the regal rate of 5 % APR, so I done my application online qualify, signed a bunch of document that I failed to read, trusted the explanation of Presto auto customers service. On XX/XX/XXXX a payment of over {$900.00} plus was made in cash On XX/XX/XXXX a payment of over {$900.00} plus was made in cash On XX/XX/XXXX a payment of {$2000.00} was made with my debit card On XX/XX/XXXX My XXXX XXXX was missing, when called the police department, I was told that my vehicle was repossessed by Presto auto loans, called presto auto loans consumer service and was told that, the repossession of my vehicle was a mistake, that my vehicle will be back at my house in 24 hours, I missed worked for two days, got my vehicle 48 hours later, with a front end damage, a formal complaint was submitted to presto auto loan, and never received an answers. On XX/XX/XXXX my wife had file for divorce, a request for a payment history and remaining balance of the account. It was requested by me and my wife so that the account will paid in full, but presto auto never provided the information I was told such information can not be giving to me, but instead to make my XX/XX/XXXX payment, so I told the customer service that they will be no more payment unless I received a payment history showing the principal, and how the payment have been apply into the loan, Once again the information was never received. On XX/XX/XXXX XXXX XXXX XXXX file a law suit case number number XXXX, claiming that the account have been in default, and requesting my XXXX XXXX charger. On XX/XX/XXXX after a hearing, I requested that the judge order presto auto loan to provide me with a payment history on account, Presto auto lawyer provided me a ledger card showing a Balance of {$13000.00}, not showing the two payment in cash, what catch my attention is the {$1100.00} interest charge on the for the month of XXXX. the ledger card does not show the APR, does not show how the XXXX Presto auto loan calculated those interest. ( please see attachment ) I when online to see if others people have victim of Presto Auto loan Scam, I find out that they just recently have been fine $ XXXX by Financial Protection Bureau, and when I brought it to presto auto auto loan lawyer attention, he respondent that those was just hearing. I need help for not only to keep my vehicle but also to bring justice to everyone that have been victim of presto auto loan, because it sound to me that they did not learn from the fine and keep doing those malpractice A class action Law suit may be more suitable to bring justice to everyone, and suspend Presto auto loan license for future damage. Thanks XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : 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 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

I am filing a complaint with CFPB regarding capital ones failure to deposit my direct deposit from my employer and any other incoming deposits. Capital one has cited technical issues which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. this situation raises concerns about consumer protection laws, and I requested your assistance in investigating this matter to ensure my rights are upheld, thank you
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Discover Bank with the CFPB due to their failure to respond to my dispute attempts regarding an account they are reporting to the credit bureaus. Despite mailing dispute letters to Discover Bank on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I have not received any response from them. 

I am providing copies of my dispute letters to Discover as evidence of my efforts to resolve this matter. However, their lack of response has left me with no resolution. 

According to the Fair Credit Reporting Act, furnishers like Discover Bank are required to investigate and respond to consumer disputes within 30 days. Discover Bank 's failure to do so is a violation of my rights under the FCRA.
Product: Debt collection

Summary of Complaint : I am filing a formal complaint against FALLS COLLECTION SERVICE concerning an alleged debt they claim I owe. Despite my numerous requests, FALLS COLLECTION SERVICE has failed to provide the required validation information as stipulated by 12 CFR 1006.34 ( b ) ( 5 ). They have also placed a collection entry on my consumer report without allowing me the opportunity to dispute the account as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). These actions appear to be a violation of consumer protection laws and have caused significant harm to my credit profile.

Details of Complaint : Failure to Provide Debt Validation : FALLS COLLECTION SERVICE has not provided the validation information for the alleged debt, as required by 12 CFR 1006.34 ( b ) ( 5 ). Their failure to validate the debt while placing a collection entry on my consumer report is unlawful.

Failure to Allow Dispute : FALLS COLLECTION SERVICE has not afforded me the opportunity to dispute the alleged debt as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This omission denies me the ability to address the accuracy of the debt.

Misleading and Deceptive Practices : The actions of FALLS COLLECTION SERVICE appear to violate 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( A ) due to their reporting of the debt without fulfilling the required disclosure and validation obligations.

Request for Resolution : Immediate Removal of Collection Item : I request that FALLS COLLECTION SERVICE remove the collection entry from my consumer report immediately. Their failure to provide proper validation and allow me to dispute the debt indicates that the entry is not in compliance with legal requirements.

Cease Communication : I also request that FALLS COLLECTION SERVICE cease all communication with me via email, text, or phone calls, as I am exercising my rights under the FDCPA to revoke these forms of communication.

Requested Action : Please ensure that FALLS COLLECTION SERVICE removes the negative collection entry from my consumer report without delay. Their non-compliance with validation and dispute requirements should result in the immediate removal of this item from my credit profile. 

Consumer Information : Name : XXXX XXXX Debt Collector Information : Name : FALLS COLLECTION SERVICE Address : 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

I took out a Bridgecrest auto loan XX/XX/XXXX and paid it off in full XX/XX/XXXX. After XX/XX/XXXX, I entered an agreement with Bridgecrest that the phone rep agreed to due to Covid. It was a hard time for everyone and Bridgecrest agreed to follow the CARES Act Impacts Credit Reporting which states that they will not report late payments going forward during the COVID emergency on my account. Now I entered this agreement with the account as current. This agreement was to continue through the pandemic which actually just ended. I never let the car go to crazy past due and always paid but they charged me insane fees along with reporting my car late XXXX times during this period. XXXX 30 days late, XXXX 60 days late, and XXXX 90 days late. Bridgecrest broke their COVID Agreement and I believe violated the above mentioned law and now I am paying for it on my credit. Not only is the closed account current status showing " late 30 days '' but it has those XXXX late payments on it. I am struggling to get back on track because this is holding down my credit score. Since I believe Bridgecrest violated the COVID rules and promises to me I am requesting that either you remove the late payments and also current the current status or you delete the account from all three credit bureaus. I hope this escalation can handle this situation so there has to be no further action taken because I am not satisfied with how I have been treated
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint against TransUnion, Equifax, and Experian for violations of the Fair Credit Reporting Act ( FCRA ) and related laws. Specifically, these credit reporting agencies have included an account from XXXX XXXX XXXX on my credit report without my authorization, in violation of my rights under the FCRA. 



Account in Question : Account XXXXXXXX  Violations 1. FCRA Section 602 ( a ) ( 15 U.S.C. 1681 ) Right to Privacy My personal credit information is being reported without my proper consent, violating my right to privacy under the law.

2. 15 U.S.C. 6802 Financial Institutions Duty to Protect Privacy Under this statute, financial institutions and related entities are required to provide consumers with the right to opt-out of their personal information being shared with non-affiliated third parties. I was not given the opportunity to opt-out, nor did I provide consent for my information to be shared with XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I am reaching out in desperation about my incredibly bad experience with Chase Auto Finance. 

I purchased a vehicle off of lease. That's where the problems began. 

I was in the process of moving, so I told them to send the paperwork and registration application to my new XXXX address... 

Chase made an error and sent the paperwork to XXXX with a XXXX form filled out. That was not useful for XXXX registration purposes at all. 

A local XXXX Chase Bank branch manager tried to help. She made phone calls and gave me an overnight XXXX envelope to send to Auto Finance with instructions for them about how to do this properly, along with a prepaid return envelope to send it back to me, trying to make this simple for Auto Finance... this happened on XX/XX/XXXX. 

There's no evidence that Auto Finance actually received that package mailed to the address that the branch manager got after making some phone calls to Auto Finance. 

My out of state plates expire XX/XX/XXXX and I'm gone on vacation XX/XX/XXXX to XXXX, so I need to resolve this by XX/XX/XXXX so I can get my vehicle registered properly. 

Through many phone calls, I'm given an estimated completion date of XX/XX/XXXX. No, that's not good enough. 

This is " expedited '' multiple times and put on " rush. '' The estimate then becomes XX/XX/XXXX. They don't understand what " expedite '' means. 

They finally XXXX me something that arrives today ( instead of using the XXXX label/envelope that they never found ). 

That envelope is simply a Bill of Sale. No XXXX form. 17 days later, I am NO better off than I was on XX/XX/XXXX. 

I called to complain and am told now " we don't fill out state registration forms ''. 

Except Chase DID do exactly that previously... but for the WRONG state. They are unable or unwilling to do this properly in a timely manner. 

Without Chase filling out this affidavit of purchase on the XXXX form, I will have to pay {$1000.00} in additional XXXX  vehicle tax because the actual purchase amount is greater than " XXXX XXXX value. '' The difference between the actual price and the value is about {$16000.00}, so, again that additional ( and unnecessary tax ) is about {$1000.00}. 

if we can not get this resolved, I'm going to pursue legal action against Chase even though it's only {$1000.00} in extra tax. I will continue to file complaints with government authorities at whatever levels I can find. 

Please help me resolve this. 

XXXX