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

I am submitting this complaint for you to investigate this informations regarding the erroneousness of the accounts in my credit report. The unverified accounts indicated here in my complaint continue to report on my credit report despite several written requests. Please follow the law so that this situation can be settled quickly. Please conduct some investigations and i want some changes in my report and for that, i want a clear copy of my report without any error again. These following accounts must be in appropriate corrections : XXXX XXXX XXXX Opened XXXX. XXXX XXXX Balance : {$360.00} ; XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/2019 Balance : {$0.00} ; XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance : {$250.00}.
Product: Credit reporting or other personal consumer reports

I am writing to address a concerning issue regarding my credit history. For the past 11 years and 2 months, dating back to XX/XX/year>, I have been a customer of Credit Acceptance. However, I must express dissatisfaction with the services provided by the company. 

The high annual percentage rate ( APR ) imposed by Credit Acceptance has significantly impacted me financially, leading to a considerable loss on my part. Moreover, the vehicle financed through Credit Acceptance has proven to be of poor quality, requiring frequent repairs that have not effectively addressed the underlying issues. 

Given these circumstances, I kindly request either a refund of {$10000.00}, representing the amount owed to me by Credit Acceptance, or the removal of Credit Acceptance from my credit report. I believe that this course of action is necessary to rectify the unjust matters that have arisen from my association with Credit Acceptance. 

I appreciate your attention to this matter and look forward to a prompt resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX my XXXX account said that TransUnion was reporting I have 2 late payments. I tried to obtain my free annual report from TransUnion online and was unable to because the security questions they are asking me have nothing to do with me. The people named in questions are names I've never heard before. This is the 2nd time this has happened. In XX/XX/XXXX I was turned down for a XXXX cell phone because of my credit, and I knew my score was over 800 at the time. XXXX 's credit dept told me they use TransUnion. I went online to get my TU credit report and could not answer the 3 security questions because they did not have anything to do with me. I called the customer support number at TU at that time and spoke to more than one person who looked at my account and couldn't understand why that was happening. It is now 6 months later and the same problem persists. So we have a situation where my credit score is used for all sorts of things, TransUnion is potentially reporting incorrect  information about me, they clearly have incorrect info linked to my account based on the security questions, and I am unable to get someone to help me resolve it.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in the light of recent CFPB lawsuit, highlighting significant issues with the platform. Despite using Zelle numerous times in reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering loss funds was impossible in tracking. These transactions were infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers, but also allowed to repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 


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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.
Product: Credit reporting, credit repair services, or other personal consumer reports

As part of the hack of Equifax, my personal information had been stolen. Unlike other hacks such as XXXX, and XXXX, Equifax is not a company I can choose not to share my information with. If I want credit, which is necessary these days, then they have to have my information. If they can not protect the personal information of people that are REQUIRED to use their services, then what are they doing being in business?
Product: Bank account or service

Compass Bank closed my XXXX minor son 's savings accounts with no notice. Instead of mailing me the amount in their accounts that they closed, they have sent the money to unclaimed property. Now I have to submit a claim and wait for unclaimed property to investigate before I can recover this money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Navy Federal Credit Union on this afternoon regarding the information on my credit report. I had a bad history with the financial institution but paid off a past due credit card in addition to a closed checking account as of recent. They allowed me to open not only a new checking account but also a business checking account. My credit score with XXXX is a over XXXX, with XXXX my score was nearly XXXX & my XXXX score is almost XXXX. On today, Navy Federal reported negative & inaccurate information which dropped my XXXX score nearly XXXX points, I was told by them to contact XXXX & they were no help either. I want this paid tradeline removed from my report altogether because its been showing derogatory on my report since the account was paid in full back in 2020. Navy is also negatively reporting a hard inquiry on my credit for an auto loan pre approval that shouldnt have been a hard pull, I received an email back saying that they wouldnt update the information. If this keeps up then I may need to contact my attorney to get this information deleted from my reports
Product: Credit card or prepaid card

I had a XXXX American Express Rewards Card. I stopped using it. The program for XXXX was transferred to XXXX in 2016. They called to ask if I wanted to have a XXXX BarclaysCard. I told them I did not. I did not renew. Then I started to receive a bill every month or so, with an amount due for {$40.00}. I called and told them I never accepted this card, please cancel. It kept coming. I believe I called 3 times. Recently, my credit was pulled for a home purchase. I see that my credit score had dropped XXXX points. We found out it was because of a delinquency from this {$40.00} charge from a card I never accepted. You can call the BarclaysCard Investigation Specialist for more information. XXXX
Product: Checking or savings account

I AM COMPLAINING AGAINST PROVIDENT BANK FOR HOLDING MY FUNDS FOR THE AMOUNT OF {$59.00} I AM NOT A CUSTOMER WITH THE BANK ANYMORE MY ACCOUNT IS CLOSED WITH THE BANK, THE MERCHANT XXXX HAS ALREADY SEND THE BANK MY REFUND AND THE BANK ACCEPTED THE REFUND BUT THE BANK IS NOT RELEASING MY FUNDS BECAUSE THEY ARE SAYING I HAVE TO WAIT 45 DAYS BECAUSE WHAT IF THE MERCHANT CLAIM THE FUNDS BACK WE DID THREE IN ONE CALL XXXX TOLD THE BANK WE ALREADY REFUNDED THE CUSTOMER HER MONEY BACK WE CAN NOT TAKE THE MONEY BACK ITS THE BANK RESPONSIBILITY TO GIVE ME MY MONEY BACK ASAP BUT INSTEAD THE BANK IS MAKING ME WAIT FOR MY MONEY FOR 45 DAYS WHICH THE MERCHANT ALREADY RELEASED IT.
Product: Credit card or prepaid card

On XX/XX/2022. I ordered a Pre Paid American Express XXXX. I received my card via mail on XX/XX/2022. I called the number given on the back of the card # XXXX. I was able to successfully " activate '' the card, however when I go to login to their website to check my account, their website gives me an " error '' message saying to " try back later '' this has been happening every single day since I activated the card. 

Also, the same thing is happening with their XXXX XXXX phone app. I try and use the " forgot my username '' and or " forgot my password '' functionality and neither works either. I have already submitted a request to my employer ( direct deposit ) previous to me knowing I was going to have these issues. I tried calling the " customer service phone number '' on the back of the card to report the problem however it ONLY gives me the option to " activate '' the card, it does NOT allow me to select an option to speak with an actual representative. 

I also did some further research online to see if anyone else was having this issue. There are multiple complaints regarding multiple issues with the American Express Blue Bird Card on XXXX, XXXX, XXXX. 

Please advise? 

Respectfully,
Product: Checking or savings account

Citibank is the worst banking institution I have ever used. They allowed money to be stolen from my account. They locked my access to my account. They cut off all my money with no permission whatsoever. They are terrible with customer service. They never handle any of it properly. They make you wait with no information whatsoever. They are a terrible company and it needs to be known just how bad they are.
Product: Debt collection

Each of the listed companies below have not given any written disclosures or contracts to sign or agree to terms of reporting to my consumer report and/or paying any debt. The companies also have not sent any verbal or written documents informing me of any debt and the companies are as listed : SPRING OAKS CAPITAL LLC XXXX {$1100.00} SPRING OAKS CAPITAL LLC XXXX {$720.00} SPRING OAKS CAPITAL LLC XXXX {$630.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In 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 can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

My compliants with Credit Reporting Agencies are reporting errors on my credit reports that not accurate, I have disputed serveral times with Credit Reporting Agencies and provided documentation to show they are reporting errors on my credit reports Credit Reporting Agencies overlooked my proof still go with thier own decisions not acknowledge my documentation that I'm showing proof to take into consideration when correcting or updating my credit report. Experian reporting three late payments and comments on closed accounts which is Error, XXXX  reporting Bankruptcy and comments on closed accounts which is an Error and XXXX  reporting Bankruptcy and comments on closed accounts which is an Error. I have also disputed with all three Credit Reporting Agencies XXXX, XXXX  and Experian of unauthorized inquiries serveral times and contact company that reported to let them know as well it was unauthorized inquiry still no one wants to take actions to remove from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been a victim of identity theft there are accounts on my credit report that I did not authorize.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX XXXX XXXX XXXX XXXX 2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to correct immediately : 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 know for a fact that XXXX does not report a bankruptcy on my report. They removed it in 2020 because they could not verify it. ( see attached letter ) -- Transunion clearly states ( see attached screenshot from their website legal section ) that they get this " public '' information from XXXX. They also told me they verified the information with XXXX when I disputed it many times, when they clearly absolutely did not. 

-- I requested XXXX furnish notification of the deletion to all three credit bureaus after receiving their letter. In addition, I sent this proof to Transunion directly, with the letter from XXXX, instructing them to remove it. I requested, and then demanded for a total of three certified letters, that they remove the bankruptcy from my report. ( see attached ) -- They are legally required to remove any information that they can not verify.
Product: Debt collection

I am XXXX XXXX, and Im submitting this complaint myself there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. I never had a contractual relationship with I C SYSTEM company I believe the original creditor XXXX XXXX  sold my account without proper notification. This is clearly violation according to FCRA 611 on reporting inaccurate on my credit report. Please delete this account immediately because you are reporting inaccurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to purchase a home and I realized I had damages on my credit report and according to the 15 U.S.C 1681 law, there shouldnt be any damages on my report. Its a deformation of my character.
Product: Credit card

XXXX and XXXX ended the contract. The card will be reduced in benefits. I dispute the loss of benefits and XXXX says I have no choice and not offering any alternatives to a similiar type store card. 

They only offer a XXXX XXXX. I already have XXXX of them. I dont want or need a XXXX card. I would like a comparable store card at 5 % cash back. Not 1.5 % that XXXX says I must take. No I dont agree to the downgrade!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I disputed XXXX  XXXX fraud account with TransUnion by certified mail with supporting documents requesting XXXX  XXXX account / fraud inquiriy be removed immediately from my consumer file. On XX/XX/XXXX XXXX  XXXX  forwarded by electronic information to TransUnion account as fraud. I followed up XX/XX/XXXX with TransUnion spent over 1 hour back n forth with transunion supervisor " XXXX XXXX '' continued to tell me even though I followed all necessary steps TransUnion will not remove fraud inquiry from my consumer file and he eventually disconnected call.. TransUnion continues to violate FCRA guidelines XXXX 

I've copied and pasted statement from TransUnion website steps to follow remove fraud inquiriy which I did. 

" Send a letter to each credit reporting agency requesting removal of the fraudulent inquiry Include a copy of your FTC Identity Theft Report with your letterIf you are requesting deletion of an inquiry from your TransUnion credit report, send your letter to the address below : TransUnion XXXX XXXX XXXX XXXX, PA XXXX ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent an email to the CEO of XXXX bank on XX/XX/2023 : " Dear XXXX XXXX : I was a former cardholder of a XXXX XXXX XXXX. To my knowledge, I paid it off in full. I learned today through a XXXX alert that XXXX XXXX  put the account into charge off/delinquent status. 

Can you please investigate and see why this has happened? 

I have never received a phone call and/or any correspondence in the mail regarding this account. 

Today I called XXXX and spoke with XXXX at about XXXX on XX/XX/2023. She said I gave her attitude because I said " you better ... '' Can you have your staff listen to the tape and maybe she needs coaching or retraining. Maybe I was wrong to be concerned about my credit report? 

Thank you for your time. 


I am sorry that I cc'ed so many executives, but I don't know who to contact regarding my situation. XXXX put me on hold two times and spoke over me several times. The total time of the call was 19 minutes and 40 seconds. I could not wait any longer, I had to go to work. 

For legal reasons, I am unable to discuss this over the phone and would need to have written documentation sent to me. You may use a secure email service, such as XXXX ( after verifying I am XXXX XXXX, of course ). 

Regards, XXXX XXXX, XXXX ''
Product: Vehicle loan or lease

On or about XX/XX/XXXX I submitted a claim against Bank of America with the CFPB stating how my consumer rights were violated and how I would like to exercise my right to rescind the transaction for my auto loan. I received threatening letters about repossession and even a few phone calls. After the case with CFPB was closed and I received a rebuttal from Bank of America representative XXXX XXXX ( Resolution Specialist Regulatory Complaints ) which stated " we have determined that no bank error occurred in the management of your loan. Bank of America respectfully declines your request for a refund due to you agreed to all disclosures at time of application and by signing the contract. Additionally, you agreed to a secured loan with vehicle ending XXXX as collateral ; therefore title will not be released while there are remaining payments on the account. '' My complaint is, I was not properly serviced in my " loan '' transaction. According to 16 CFR 433.1 ( d ) Purchase money loan is a " Cash Advance '' which is received by a consumer in return for a " Finance Charge '' within the means of the Truth In Lending Act, which is applied, in whole or substantial part to a purchase of goods or services from a seller who ( 1 ) refers consumers to the creditor or ( 2 ) is affiliated with the creditor by common Control, Contract or Business arrangement. XXXX XXXX XXXX says right in his statement that the vehicle is collateral, well what did I receive in return for the collateral? I did not receive my cash advance in my transaction, therefore because one violation makes the contract null and void I should still be in possession of the XXXX XXXX XXXX. 

On XX/XX/XXXX a towing company by the name of XXXX XXXX XXXX XXXX XXXX came to a parking lot I had the car and towed it away on behalf of Bank of America. Under 15 US Code 1692f ( 6 ) Unfair Practices, Bank of America violated my right by taking non judicial action to effect disposition or disablement of the property ( Vehicle ) because there were no present right to possession of property claimed as collateral through an enforceable security interest. Also 15 US code 6802 ( b ) ( 1 ) states, A financial Institution may not disclose nonpublic personal information to a nonaffiliated third party. XXXX XXXX XXXX XXXX XXXX is a nonaffiliated third party. 

In closing I would like Bank of America to return the Vehicle back to me along with the title and refund me the amount paid to them suming in {$7500.00}. 


I will be mailing in remainder of proof because I couldn't upload them all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX, GA XXXX 2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX Account Number : XXXX Delete this account.
Product: Credit reporting or other personal consumer reports

The state of the economy is one thing, but after reviewing my credit report, its painfully clear whats worsemy report is riddled with inaccuracies. These errors have been an ongoing source of immense stress and frustration, leaving me feeling helpless. Its deeply disheartening that I have to go through this, knowing my rights as a consumer are being blatantly overlooked. Whats even more upsetting is the impact these inaccuracies have had on my life. With my credit score suffering because of these errors, Im left unable to access basic financial resourcesadding another layer of strain to an already overwhelming situation.
Product: Credit card

A while back I enrolled in a debt counseling program to pay my credit cards. That did not work out. I then went back to paying them on my own. Synchrony Bank/Dicks ( account no XXXX ) went back and charged all these interest fees and late fees. I have been trying to get caught up with them. I have a {$87.00} payment scheduled for XXXX XXXX. They then want another payment of {$54.00} by XXXX XXXX or will charge another late fee. They continue to push me farther and farther in debt with them
Product: Credit reporting, credit repair services, or other personal consumer reports

I contact the  XXXX  on  XXXX / XXXX /  XXXX   to report that my personal information was being used to obtain credit.. as of today the results of my request still has not been honored. I asked them to block and remove the fraudulent information and they have not done either as required
Product: Credit reporting or other personal consumer reports

There are charges and addresses on my report that I have no idea about. When I contacted them they coupd not or would not give me any information because they say since Im disputing these accounts it not my information to have
Product: Vehicle loan or lease

Dear CFBP, I am writing to follow up on my complaint against Wells Fargo, which I submitted to Wells Fargo in XXXX of last year. I have yet to receive any response from Wells Fargo regarding the issues that I raised, and it has now been several months since I first brought this matter to their attention. 

My complaint concerns the illegal repossession of my vehicle, fraudulent activity, and false financial statements made by Wells Fargo. I believe that their actions have caused significant financial and emotional harm to me and my family, and I am eager to see this matter resolved as soon as possible. 

Given the lack of response from Wells Fargo, I am growing increasingly concerned about the progress of my case. I urge you to take swift action to hold them accountable for their actions and to ensure that I receive a fair and just resolution to this matter. 

Thank you for your attention to this matter, and I look forward to hearing back from you soon.