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

I am sending to bring to your attention the presence of inaccurate information on my credit report with your agency. The incorrect details are as follows : XXXXXXXX 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 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 EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The aforementioned inaccuracies are materially affecting my creditworthiness and causing harm to my financial well-being. I believe it is crucial to rectify these errors promptly. 

I have conducted a thorough review of my financial records and can provide supporting evidence to substantiate my claims regarding the inaccuracies. Attached to this affidavit are copies of relevant documents that demonstrate the discrepancies, including but not limited to : Bank statements, payment receipts, and correspondence with creditors I request that you undertake a complete and fair investigation into these matters and take appropriate action to remove the inaccurate information from my credit report. According to the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure the accuracy of the information you maintain and report. 

Furthermore, I request that you provide me with a written notification upon completion of your investigation, including details of the actions taken, any changes made to my credit report, and a revised copy of my credit report reflecting the accurate and updated information.
Product: Credit card

Capital one issued me a credit card in 2022. The account is now restricted and unable to be used causing significant financial strain. Still being required to pay off account and still being charged interest month after months increasing financial strain. Asked for the account to be unrestricted, they said that will not happen even if the account is paid off. Asked for a pay for delete for any missed payment, i was told that would absolutely not happen. Account shows online that it is in good standing and current yet my account is still restricted. I'm still being charged increasing interest on an account I can not use. I would like to either add my name and signature to an existing lawsuit or launch one of my own.
Product: Payday loan, title loan, or personal loan

Reference is made to Account Number XXXX for the amount of {$300.00} opened on XX/XX/XXXX. 

On XX/XX/XXXX I made a Interest cost payment of {$90.00} On XX/XX/XXXX I made a payment of {$200.00} on the Principal amount with a {$90.00} interest cost. 

Today, XX/XX/XXXX my account balance shows an incorrect amount of interest cost that is due on XX/XX/XXXX. Specifically, after calling Customer Services Representatives this Loan Company is unable to tell me and post the correct amount due which is a Principal balance of {$100.00} with a {$30.00} Interest cost.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried several times to fix this issue with XXXX XXXX they are reporting a higher incorrect balance than what is owed to the credit bureaus negatively impacting my credit. Also HOMEPOINT FINANCIAL when I accepted the covid19 forbearance sent me a letter stating that this would not impact my credit. Although I have never paid my mortgage late at this time my fico for mortgage is XXXX as if I have a delinquent mortgage account. I was deceived by the information they provided stating that they would not impact my credit this is a deceptive lending practice .I have disputed the account several times with XXXX they also report false information and do not investigate and correct the matter. I have contacted the OCC and have been advised legal counsel on this ongoing charade and will act if not resolved immediately.I have included a homepoint financial statement with the correct balance owed that should be reporting.
Product: Student loan

Wells Fargo automatically lowered my monthly automatic withdrawal payments. They did this because I have made additional payments to my loan in order to pay it off earlier. The letter they sent did not use clear language to indicate that my loan would not get paid off sooner, like I intended. I called Wells to get further clarification. The person on the other end could not explain the reason for the lower payment in a basic understandable format. I worked in lending and currently work for a securities regulator. If I did not work in these fields, I would not have understood that I would not be paying off my loan sooner, like I planned, based on the letter and the Well 's employee.
Product: Debt collection

I am writing to formally notify you that your attempts to collect on the alleged debt referenced above are in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC XXXX. If you are not aware this entire claim is regulated by an arbitration agreement with XXXX, which clearly stipulates that any dispute must be resolved through arbitration due to the binding agreement. To date there has been no arbitration proceedings. As a direct result of that this is considered a material breach of the arbitration terms listed in the original agreement acknowledged by all involved parties. I confidently assert that you have no right to collect on this alleged debt.
Product: Money transfer, virtual currency, or money service

Hey, Im making this complaint to extend my frustration in regards to the way Zelle has handled disputes. In particular the lawsuit CFPB pointed out alot problems with the system. And Ive always knew there was some issues because Ive reported a bunch of things and I was never able to get any answers. I also was never able to get any of the money back that was sent, the bank said they cant track any of my money back. In recent findings it shows that Zelle didnt treat the customers with the proper care and respect in which allowed us being ran over by the big corporation . Leaving us open to attacks, harassment, and scams. This is unacceptable and wrong. We come to yall to for safety not this.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against TransUnion, a consumer reporting agency, for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and rectify a violation regarding the reinsertion of previously deleted material into my credit report. 
On XX/XX/2024, TransUnion notified me of the reinsertion of XXXX XXXX  account number XXXX into my credit report without proper certification of accuracy and notification to me, as mandated by FCRA Section 611 ( B ). Despite being eliminated days before. 

TransUnion has failed to remove thereinserted account from my credit report, continuing to violate FCRA regulations. 
TransUnion 's actions have caused significant inconvenience and potential harm to my credit profile, impacting my ability to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with TransUnion, they have neglected to take appropriate action, demonstrating a lack of accountability and compliance with federal consumer protection laws.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for.

Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : XXXX XXXX XXXX XXXX  Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand that these payments be updated to on time and never late. 

Thanks.
Product: Student loan

I am part of the Navient Lawsuit in Massachusetts. I recently was given notice in the mail about the lawsuit. I have some information that I never was able to discuss with anyone. I had called Navient in 2017 for enrollment into a IDR payment plan. They ignored my requests until I threatened that I would speak to a lawyer. They then approved my request, but then reenrolled me into a forbearance a few months later ( In-between they said my " deferment request was also approved '' ). The updates online were not consistent with the IDR that I was " approved '' for. They also called me over and over again for debt collection even though I was approved for the IDR plan. I have attached screenshots of emails that I have from Navient. I just wanted to file a formal complaint. Thank you.
Product: Vehicle loan or lease

I purchased my vehicle at Audi XXXX XXXX in California and financed it with Audi financial on XX/XX/XXXX. I made my payments on time, but on XX/XX/XXXX, I parked my vehicle in front of my friends property in the morning, but when I left at XXXX, the car disappeared. First I thought that was due to parking enforcement, but California highway patrol claimed they didnt tow the vehicle. Then I called Audi financial to see if they had the car towed, they claimed they didnt tow it, it was not in procession. I kept contacting police department, and on XX/XX/XXXX, they claimed the vehicle was stolen, and it was marked stolen by Audi. Then I contacted Audi Financial over and over. They kept asking me to wait 24 hours/ 48 hours/ 72 hours to get a response. I never received any callback. And on XX/XX/XXXX, they said I have to pay the balance in full to get the car back, couldnt provide me any reason or information.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX {$750.00} XX/XX/XXXX {$9700.00} I called all 3 credit bureaus told them it was a data breach and identify theft happening no feed back and they were trying to get information from me over a month ago no response from them.

You are reporting this as a OPEN ACCOUNT which is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one Auto finance is violating the C.A.R.E.S ACT by reporting late payments during the pandemic. I have reached out to them and the bureaus and nothing has happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been a victim of identity theft. The inquiries listed should be removed for these are fraudulent and inaccurate. 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX doesn't offer an option for consumer disclosure and has a fine print of " The XXXX solution is not provided by a consumer reporting agency and does not constitute a consumer report as these terms are defined by the Fair Credit Reporting Act. 15 U.S.C Section 1651 et seq ( " FCRA '' ) '' Meanwhile, they have categories on the report which relate to assets and creditworthiness.
Product: Money transfer, virtual currency, or money service

I have an account with Binance.us, it's the USA version of Binance.com for US based customers and have over XXXX in there. 

I tried logging in almost 2 months ago but got a message saying my account was locked with no explanation as to why it was locked. Opened a ticket to get it resolved but it's nearly 2 months later and still nothing. 

They did respond to me a month ago but only said it was being looked at and no communication since. Here 's a screenshot : https : XXXX XXXX case number is XXXX. 

TONS of people are having the exact same issue of being locked out of their account, many even longer than me. I've tweeted at their CEO and on their official XXXX account, have brought up my issue on their XXXXXXXX sub like many others have and still nothing.
Product: Checking or savings account

I received a mail solicitation from Chase Bank with the coupon offering {$300.00} Bonus for opening Checking account and {$200.00} for opening Savings account or {$600.00} for opening both Checking and Savings account. I went to the Chase Branch, located at XXXX XXXX XXXX XXXX XXXX, XXXX, Fl XXXX and XXXX XXXX, Chase Private Client XXXX helped me to open Chase Total Checking account # ending inXXXX and Chase Savings # ending in XXXX. While he was opening these accounts, he entered the promotion code printed on the coupon and the system has advised him that I may not qualified for the bonus because of two year rule, i.e. one bonus is awarded every two years. I immediately advised XXXX XXXX that I am not interesting in opening accounts if I do not get the promised bonus solely because of a very significant amount, {$15000.00}, required to deposit and keep for over 90 days with Chase Bank in order to qualify for the bonus. I explained to XXXX XXXX that keeping more that {$15000.00} on the account practically interest free for over three months would cause an economic loss to me if I dont get the {$600.00} bonus. XXXX XXXX assured me that if the bonus wont be paid he will approve crediting it on the branch level, at the branch expense, beingthe second in charge at his branch. Only after receiving XXXX XXXX assurances that I will be paid combined bonus of {$600.00}, I agreed to open both accounts and keep over {$15000.00} for the next 90 days. On XX/XX/19or more then 90 days after account opening, I received a {$100.00} bonus. I immediately contacted XXXX XXXX seeking the remaining portion of {$500.00} that has never been paid. XXXX XXXX asked me to provide him with the copy of the coupon so he would request a credit on the branch level as he promised at the time of the account opening. His bonus request was denied and he escalated this case to his superiors. In early XX/XX/XXXXof this year, I received a phone call from XXXX, a Chase representative who refused to provide his last name and who told me that Chase is not going to honor XXXX XXXX promise made on behalf of the Chase Bank and pay the promised {$600.00} bonus. XXXX has shown no compassion or understanding of my situation. I would not have opened accounts with Chase and kept over {$15000.00} practically interest free for over 100 days, but not for solely XXXX XXXX promise to pay me {$600.00} opening bonus.
Product: Credit card or prepaid card

I just found out that Synchrony bank has been charging me {$10.00} a month on a card I've had with them since XXXX of 2015. 

For the last six months I had been wondering why I couldn't get my balance to go down. I thought maybe I had a subscription to something that I didn't realize I had subscribed to, so I cancelled the card. I was still getting these fees and not understanding where it came from. I messaged someone on the live chat. They told me I signed up for it, what it was, and why it's been there. I reacted in a very shocked manner because I really couldn't believe eyes. 

Keep in mind I'm a XXXX year old attending XXXX  full time. 

I messaged XXXX on the secure messaging system, as well as the live chat, as well as emailing synchrony and XXXX. Nobody would help me and the live chat employee told me to call a number to have them cancel and refund me. XXXX. 

I called and after being on hold for 20 minutes, the CSR answers and of course, tried to give me the run around. At this point I was furious. I kept telling her " I did NOT sign up for this, and I was NOT aware of it. I need you to cancel it and give me a refund '' I was told I'd be refunded {$360.00} ( Out of my {$610.00} total, meaning I had only accrued {$250.00} on this credit card myself. ) I never received the {$360.00} refund. 

This " optional '' security fee that nobody is informed of, ended up costing me over half of my balance. Why would I pay for something that would get rid of my debt in the event of " losing my job '', when it costs over double what my actual balance is??? THAT MAKES NO SENSE. 

This is a SCAM and it is deplorable.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

I sent the Credit Bureaus letters asking them to verify debts on my report. they replied that everything has been verified : however, my credit report continue to show inaccuracies. 

XXXX XXXX XXXX XX/XX/XXXX, Amount : {$760.00}, Account : XXXX XXXX XXXX XXXX XX/XX/XXXX, Amount : {$950.00}, Account : XXXX XXXX XXXX XXXX XX/XX/XXXX, Amount : {$1400.00}, Account : XXXX XXXX XXXX XXXX XX/XX/XXXX, Amount : {$2000.00}, Account : XXXX XXXX XXXX XXXX XX/XX/XXXX, Amount : {$2100.00}, Account : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Amount : {$1000.00}, Account : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, Amount : {$1700.00}, Account : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon, I am very upset due to the fact that I've been calling and calling the credit bureaus regarding my identity was stolen resulting fraudulent account on my credit report. I recently pull my credit report and notice a few accounts on my report due to fraud. I called the companies regarding this and they told me I need to report it and then reach out to the 3 credit bureau. immediately I went to the FTC website and submit an identity theft report. Also, every time I called the credit bureau it seems like I am going through a maze. Its almost impossible to speak to a live rep that's in the right department. I have attached the FTC report below with my driver 's license. I am asking that these accounts be removed from my credit report because it is affecting me from getting a house for my family
Product: Debt collection

In accordance with the fair credit Reporting act PROGRESSIVE MANAGEMENT SYSTEMS, 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 an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  XXXX  XXXX Bankruptcy : Bankruptcy XXXX. XXXX, 2017 {$0.00} Discharged Overview Reference Number XXXX Date Filed XXXX. XXXX, 2017 Classification Bankruptcy Type XXXX  XXXX Bankruptcy Responsibility Joint Asset Amount XXXX has violated my rights. 

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: Credit reporting or other personal consumer reports

Hello, My Name is XXXX XXXX XXXX XXXX, I am writing to have the following information in my file removed. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting or other personal consumer reports

Subject : **Immediate Deletion Demand for Inaccurate Information on Credit Report** To Whom It May Concern, I am writing to formally dispute the inaccurate information related to the account referenced below. This account has been previously disputed, yet you have failed to correct the inaccuracies. I now demand the **immediate deletion** of this account from my credit report due to multiple glaring inconsistencies that violate the Fair Credit Reporting Act ( FCRA ) and infringe upon my consumer rights. 

**Account Information : ** - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion , Experian, Equifax **Inconsistencies Noted : ** 1. **Account Status Discrepancy** : The account is reported as a " Collection Account '' across different agencies, but the status dates and last reported dates are inconsistent. For example, TransUnion lists the last reported date as XX/XX/year>, while Experian shows it as XX/XX/year>. This blatant discrepancy violates 607 ( b ) of the FCRA, which mandates maximum accuracy in reporting.

2. **Monthly Payment Inconsistency** : The monthly payment amounts reported are not uniform across agencies. TransUnion states a payment of {$130.00}, while Experian and Equifax report different amounts. This misrepresentation of my financial obligations is unacceptable and violates 623 ( a ) ( 1 ) ( A ) of the FCRA.

3. **Payment History Confusion** : The two-year payment history shows conflicting entries, with inconsistent " OK '' and " CO '' statuses. This misrepresentation of my payment behavior directly undermines my creditworthiness and is a clear violation of the FCRA 's accuracy requirements.

4. **Account Type Misrepresentation** : The account type is labeled differently across agencies ( e.g., Installment vs. Collection ), causing further confusion and undermining the integrity of my credit profile. This violates 609 ( e ) of the FCRA regarding accurate reporting.

Your continued failure to correct these inaccuracies after my previous dispute is unacceptable and has significantly harmed my credit report, resulting in potential denials of credit and increased interest rates. Given the severity of these discrepancies, I demand the **immediate removal** of this account from my credit report. If you can not provide accurate verification, you are legally obligated to delete it as stipulated by the FCRA.

I expect a prompt and thorough investigation and resolution to this matter. Failure to comply with my request will lead to further action on my part, including contacting regulatory authorities.

Thank you for your immediate attention to this serious issue..
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report on XX/XX/XXXX. I saw some hard inquiries that did not have permission purposes. I also attached evidence 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 XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX These inquiry has no permission purpose of being on my report XXXX Delete this inquiry due to violation of 15USC 1681b.