23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

In according to the Fair Credit Reporting Act ( FCRA ), credit reports must be accurate and complete. As a consumer, I have the right to expect that my credit report will reflect my credit history in a fair and accurate manner. Pursuant to 15USC16811 ( 5 ), I am requesting that you investigate and correct the errors found in my credit report. This section of the FCRA states that " if the accuracy of any information in the file of a consumer maintained by a consumer reporting agency is disputed by the consumer, the agency shall reinvestigate free of charge and record the current status of the disputed information. " I have reviewed my credit reports from the three major credit agencies ( XXXX, XXXX, and Equifax ) and found that the following accounts contain inaccuracies : - Account 1 : XXXX XXXX XXXX XXXX - High Balance : The reported amount lacks accuracy in all three credit agencies. - Last Verified : The reported date lacks accuracy in all three credit agencies. - Date of Last Activity : The reported date lacks accuracy in all three credit agencies. - Date Reported : The reported date lacks accuracy in all three credit agencies. - Date Opened : The reported date lacks accuracy in all three credit agencies. - Closed Date : The reported date lacks accuracy in all three credit agencies. - Account Descriptions : The account description lacks accuracy in all three credit agencies. - Creditor Type : The reported creditor type lacks accuracy in all three credit agencies. Payment Status : The reported payment status lacks accuracy in all three credit agencies. - Creditor Remarks : The creditor remarks lack accuracy in all three credit agencies. - Payment History : The reported payment history lacks accuracy in all three credit agencies. Additionally, I have found that the following accounts contain the same inaccuracies : - Account 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 or other personal consumer reports

I am filing a complaint against TOYOTA FINANCIAL SERVICES falsely claiming and reporting to be as TOYOTA MOTOR CREDIT for violating 15 USC 1692 C for unlawful communications and for violating my privacy rights under 15 U.S.C. 6801, 6802, 6803 and 6804. I requested all information in my file per FCRA 1681g and instructed Open XXXX XXXX XXXX not to share my nonpublic personal information under 15 U.S.C. 6801 and 6802, which protect my privacy and give me the right to opt-out of information sharing with nonaffiliated third parties and affiliates.

Despite this, they have continued to disclose my information without my consent, failing to respect my opt-out requests as mandated by law. This non-compliance poses a significant risk to my privacy and security. I request your intervention to enforce my rights and ensure XXXX XXXX XXXX adheres to federal privacy standards. I am writing to formally request the immediate removal of negative account reported on my credit file that are injurious to my creditworthiness. 

This alleged account, " TOYOTA MOTOR CREDIT '' have been reported in violation of multiple federal laws, including the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act. In accordance with the Fair Credit Reporting Act, TOYOTA MOTOR CREDIT has violated my federally protected consumer right to privacy and confidentiality under the 15 USC 1681. Additionally, under the Gramm-Leach-Bliley Act : No Disclosure of Information : You do not have my permission to share any nonpublic personal information with nonaffiliated third parties or affiliates. Opt-Out of Marketing : Please remove my name from all marketing lists and databases. You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of the notice. 

Please address these issues promptly, as failure to comply will result in further legal action to enforce my rights under the applicable federal laws. I expect a response confirming the removal of these items within the required time frame.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned about the validity and accuracy of the recent investigation done by Transunion. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Transunion failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX XXXX and XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Product: Debt collection

I was billed for medical services despite my submitting a written request at the time of admission to the hospital, that only physicians who are willing to accept Medicare as full and final payment should attend to me. The bill was never submitted to Medicare by the service provider.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft. I have asked for these fraudulent accounts be removed from my credit report and it has now been 60 days and these credit bureaus are unresponsive. When you call they say they didnt receive the documents although the certified mail states that they have. I provided the tracking info and was told they would look for it and call back but again no call. I was told it would take another 30 days after they have now had 60 days already to do their job. Att is point I dont know what to do.
Product: Checking or savings account

Subject : Capital Ones Negligence Led to Unauthorized Transfers & Fraud Ongoing Denial of Access to XXXX Funds Complaint Details : I previously filed a complaint with the CFPB regarding Capital Ones refusal to release my XXXX  account funds after I reached the age of majority. In response, Capital One sent me a PDF with a phone number to call to resolve the matter. However, despite multiple attempts to contact them, my calls have been ignored, and my access to the account remains restricted. 

This situation has escalated beyond simple non-complianceCapital Ones negligence directly facilitated fraud, resulting in stolen funds from my account. 

Key Issues : XXXX. Failure to XXXX XXXX Funds : Despite proof of my identity and age, Capital One continues to unlawfully restrict my access. 


XXXX. Unauthorized Transfers & Fraud : Capital One moved money from my personal checking account into the UTMA account without my authorization. 

These funds were then illegally withdrawn by the former custodian ( my mother ), who no longer had legal authority over the account. 

XXXX XXXX  actions enabled and facilitated this theft by failing to properly enforce XXXX  rules.

3. Negligence & Lack of Response : Capital One provided a phone number in their response to the CFPB, but after multiple attempts, they have refused to answer or assist me. 

This has caused serious financial hardship, as I am currently experiencing homelessness and urgently need access to my own funds. 




Requested Actions by CFPB : I request the CFPBs immediate intervention to ensure that Capital One : XXXX. Releases all funds in my XXXX  account as I am the rightful owner. 


XXXX. Provides full account records, including all transactions and transfers, to document the fraudulent activity. 


XXXX. Investigates Capital Ones role in enabling unauthorized transactions and potential consumer protection violations.

4. Compensates me for the full amount of stolen funds, along with any applicable damages for their negligence and failure to comply with banking regulations.

Capital Ones negligence has allowed money to be stolen from my account, and they are now ignoring my attempts to resolve the issue. I urgently need the CFPB to hold them accountable and ensure I regain access to my rightful funds. 

Thank you for your time and assistance.
Product: Credit card or prepaid card

Recently, I was the victim of credit card fraud, through a totally different bank. However, before I was able to remedy this, Capital One lowered my credit limit by 30 %, citing the completely separate, defaulted credit line as the reason. I worked hard to get the fraud removed quickly, both with the credit reporting agencies and the bank that issued the fraudulent card. However, Capital One is refusing to return my credit limit to its prior condition because there has " recently been a credit line decrease '' - which is exactly what I'm trying to fix. I've tried talking to their customer service, and they insist that their hands are tied beyond using an automated form that can not understand that this is their fault in the first place. This is further negatively affecting my XXXX XXXX because now my Capital One card is showing a lower available balance and a higher credit usage %. It feels wrong for a company to be able to tank my credit further based on inaccurate information, and it feels especially wrong for them to tell me that there's nothing they can do to fix what they've done after the fact.
Product: Mortgage

sent payment of XXXX XX/XX/XXXX then XXXX XX/XX/XXXX called bank for an hour transferred to different reps ask for supervisor not came on phone!!!!!!!!!!!!!!!! BAD SERVICE XXXX was put in suspence account why? no call at all and payment keeps going up
Product: Debt collection

I requested the following information : Portfolio recovery place three collections accounts on my credit report without providing me a debt validation letter according to 15 USC 1692G. I requested the following : 1.Full detail payment history of the debt. 2. Original contract with my wet signature on it that I agreed to pay this debt. 3. The chain of title 4. I asked if any insurance claims were filed on the two accounts they are attempting to collect a debt on. I have yet to receive any of the information requested above. I am requesting you to follow up and have them provide me with this information requested above. If this information is not provided, all three collections accounts must be removed from all three credit bureaus.
Product: Debt collection

I was victim of identity theft as a result of being homeless and did not have a physical address in 2012. Numerous accounts were open without my permission. The creditors calls and harass me daily for debt. I explained the set is not mines. They sent me some billing info with incorrect addresses and i explained are not mines. I was also told by the credit bureaus that my personal data was breached from the credit bureaus and i am still fighting that. I hired a credit repair company to help me with these disputes, as i am new to this. They are not coorporating and states that they are willing to take a settlement. I don't know what else to do so i am finally coming to you guys for some guidance please. I BELIEVE THERE ARE MULTIPLE ACCOUNTS PLACED WITH THIS COMPANY AND THEY ARE COOPORATING.
Product: Mortgage

We were behind in our mortgage payments. We submitted an application to " Keep Your Home California '' and we were approved. Our servicer submitted documents stating the amounts we were behind to XXXX they in turn wrote checks to cover the delinquencies, and bring our account current. My issue is with the servicer over charging XXXX. This also causes the lien on my house to be the wrong amount. I did a complete analysis of all of our late payments from the time this servicer took over our account, the difference is over {$10000.00}. There are also several other errors in our account that need to be corrected. I will be submitting XXXX letters all with documentation attached showing the servicers errors.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX I reviewed my TransUnion credit report on XX/XX/year>, and noticed inaccurate and incomplete information. In accordance with the Fair Credit Reporting Act, According to 15 U.S.C. 1681 ( e ) ( b ) fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates to, and according to 15 U.S.C. 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
The following accounts have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; open date, last active, and date of last payment is not correct. 
XXXX XXXX XXXX XXXX XXXX ; open date is not reporting correctly, date last active, and date of last payment is not correct. 
XXXX XXXX XXXX XXXX XXXXXXXX ; open date is not reporting correctly, date last active, and date of last payment is not correct. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX ; open date is not reporting correctly, date last active, and date of last payment is not correct. 
XXXX XXXX XXXX XXXX ; open date is not reporting correctly, date last active, and date of last payment is not correct. 

Can you look into this matter.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX, XXXX-requested a copy of credit reports from all 3 credit bureaus. ONLY EQUIFAX will not provide same despite my sending them additional information they requested. 

On XX/XX/year> they sent the same letter that was sent to me XX/XX/year> and XX/XX/year>. They have already received my information. Please reference my previous complaint submitted XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX cfpb late payment removal | XXXX XXXX accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency canr furnish a account without my written instructions.

13.6K 15 USC 1666B : A creditor may no treat a payment on a credit card XXXX account under an open end consumer credit plan as late for XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. XXXX XXXX
Product: Checking or savings account

XX/XX/XXXX XXXX tried to withdraw {$800.00} from my account, Wells Fargo declined the payment for insufficient funds. Many attempts were made to withdraw these funds. 
After many more attempts were made, an associate for the Wells Fargo decided to let me know I am a divorced woman and I was given a last chance checking account, which means My account has many limits which has been on the account since opening in XXXX. 
The amount for any withdrawals can not exceed {$500.00}. 
On XX/XX/XXXX Wells Fargo charged {$35.00}. for overdraft fee which Wells Fargo forced to happen, plus refusing to pay because over limits on the account! 
With this last chance checking account Wells Fargo holds all transactions until their system makes a decision wether to pay said transaction. This causes my account to back up with so many transactions I can not make out what Wells Fargo is doing, they seem to have a lag time on last chance accounts. 

I have proven to myself I AM A DIVORCED WOMAN AND I CAN TAKE CARE OF my credit score, my recent vehicle purchase and two new credit cards all with absolutely No help from Wells Fargo!

Wells Fargo refused to allow a one time limit increase on my debit to allow the down payment to go through, that was when I was told, since I am a divorced woman, I was given an account with very limited access! 
Now my new vehicle I just purchased is in danger of being repossessed because Wells Fargo has decided to discriminate against a divorced woman. I have four direct deposits going into my Wells Fargo account and that has been set that way since opening the account.
Product: Student loan

MOHELA conspired with XXXX to engage in a ruse for which XXXX was fined more than XXXX XXXX USD by CFPB. MOHELA has sent mail in mail fraud, and has continued to make collection calls despite having been informed to Cease and Desist and that we are on a Federal Do NOT Call List. Each time MOHELA was informed to annotate the record that the automatic fine on FEDERAL DO NOT CALL LIST is {$1000.00} and it goes up from there. XXXX calls now, it is {$5000.00} plus {>= $1,000,000} for collecting our biometrics for which we claim all rights including our voice prints and do not consent to such collection or use. MOHELA confirmed that they recorded the call. MOHELA is currently liable for interstate wire fraud, unfair Debt Collection practices, and securities fraud for their failure and for their continued aggressive collection practices for which no debt has been verified, for which we do not consent, and for which XXXX has already been determined to have been engaged in unlawful activities. The caller identified herself as XXXX XXXX Employee ID XXXX MOHELA and called from XXXX The XXXX XXXX XXXX is Occupied indicating that MOHELA is acting without authority as XXXX XXXX XXXX XXXX 

We do not have a loan with MOHELA. We do not consent.
Product: Student loan

I signed up for what I though was a student loan forgiveness program through Ameritech financial and through my authorization have been having {$99.00} debited out of my checking account for more than 24 months. I just learned the funds are not being applied to my student loan through the Federal Trade Commission via letter and email. After confronting Ameritech about this matter, the company denied the allegations, however agreed to close my account as I wished but did not offer to return any funds that I have paid. I have since had to contact my loan servicer to bring my student loans up to date as they were showing I was in default. The company mislead me by contacting me through the mail and giving me false information as to how my student loan would be forgiven. Ameritech stated that my loan only had to be paid for 10 years for forgiveness, and if I listed family members of at least 10 people who received more than half of my support I would have an easier chance of being approved. After sending them all of my information Ameritech said I was approved, and my payments began. All of my payments were electronically submitted and my bank statements has all of the total payments.
Product: Debt collection

Hello I received medical services on XX/XX/XXXX2010, which is the day my health insurance at the time was cancelled. I was informed that my insurance would not pay for the services because my health insurance actually expired at XXXX on XX/XX/XXXX/2010.  Unfortunately my company was unable to continue our medical benefits due to the economy. Fast forward to today, the collections agency put this debt on my credit report using a 2015 date, which is false. I filed a dispute online through XXXX and XXXX without resolve. I contacted the medical facility I received services from to verify the date they saw me. The debt is now 8 and a half years old and should be removed from my credit  report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to purchase my first home and I decided to go through a first-time homeowner 's program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 

XXXX XXXX XXXX XXXX {$99.00} XXXX XXXX XXXX XXXX {$140.00} XXXX  XXXX {$26.00} XXXX XXXX XXXX {$250.00} XXXX   XXXX XXXX {$390.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Approximately 3 months ago my credit report started not being able to pull from XXXX XXXX XXXX XXXX XXXX  or any creditor trying to pull my report, i am contacting because i've exhausted myself calling customer support with no luck or positive action taking steps. When this first started happening i was only able to pull myreport on my login with XXXX as the email this started only reporting 2 or so things which is very inaccurate i then made another login with the email XXXX and everything fully pulls on there and shows perfectly fine. i'm seeing what you're able to do to correct this situation because i've been trying to purchase a house and am unable to because they can not verify equifaxes report. like i have previously stated i've exhausted myself with multiple letters and phone calls. My next steps are to file suit if this isn't fixed in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in processing disputes on my credit report to delete all inaccurate information that is hurting my file. this has been an ongoing issue That needs to be fixed asap. please review an delete the errors you find. all data is listed to show the errors I ned deleted.
Product: Credit card or prepaid card

Bank Of America failed to fulfill their responsibilities to get me my money back from a XXXX ( XXXX XXXX ) in the amount of {$950.00} for service that was never rendered / cancelled by the operator. 
I made reservation via XXXX to fly to XXXX on XX/XX/XXXX that arrives in XXXX on XX/XX/2020 Itinerary # XXXX ( airfare ) Confirmation # XXXX XXXX / the operator cancelled my flight before my fly date. XXXX notified me of the cancellation on XX/XX/XXXX via email, I opened a dispute in the first week of XXXX against XXXX via Bank of America since merchant wasn't cooperative. yet Bank of America ruled the disputed in the favor of Merchant 3 month later ( XX/XX/2020 ). It's a moral imperative that Bank of America protects their customers from crocked merchants. 
XXXX breached the purchase contract - terms and conditions, they cancelled my trip, and ruined my plans to attend a wedding, I must get my money back from them. 

I made the reservation with the intention of going to attend a wedding, that XXXX cancelled the flight for, I don't see my self going to XXXX for at least 5 years, so any resolution in the form of airline credit is unacceptable. XXXX offered 12 month airfare credit, that I don't see myself using at all with the COVID situation. 

Bank of America should have ruled the dispute in my favor and gave me my money back. I am appalled by the results and negligence of your staff handling the case, this maybe the end of journey with Bank of America. 
My wife had the same ticket booked but using chase card, and we got our money back immediately, and chased ruled the dispute in our favor. 
Very disappointed at your bank and your staff, specially the last time I talked to the staff, they sounded very short and scripted. they don't evaluate disputes case by case, they read from script. 



I would like this dispute to be ruled in my favor and get my money back {$950.00} from the crocked merchant. 
Merchant violated the terms and condition and cancelled my trip. I didn't cancel the trip. 
Any airline credit isn't acceptable, because I will not be traveling to XXXX for the next 5 years.
Product: Credit reporting or other personal consumer reports

Credit card was fraudulently opened in my name with XXXX on XXXX. Initial dispute reported XXXX, reference # XXXX, when I was made aware of charge off. I was told that it would be resolved and removed from my credit report, was removed from XXXX and equifax but not XXXX. Filed another dispute with XXXX  and XXXX  XX/XX/2023, no communication from XXXX  and XXXX dismissed my request. Filed identity theft report to federal trade commission XXXX, FTC report # XXXX