23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Filed a dispute with Capital One regarding XXXX XXXX charges, I spoke with multiple Capital One agents, I provided multiple documents and listed the dispute numbers on the response, I never received any emails after my response was submitted. I submitted XXXX which included all the complaint numbers on one form, all with the same circumstances which revolved around a credit on tickets which the carrier made multiple mistakes on, which warranted a refund. Capital One issued a refund on one of the tickets, and even though the EXACT issues were the same as the dispute they authorized a credit on, they came up with the excuse that I didn't file the exact response to the other dispute, even though I CLEARLY listed the dispute numbers and spoke to the Agent of Capital ONE which TOLD me that it was ok to file ONE, and just articulate that the other dispute were all the same exhibits, as provided. Now Capital One says they will not credit me with the other ticket credit even though they approved the credit on the other. Its {$1700.00} which I believe Capital ONE made the error in NOT reading the responses and the exhibits that included BOTH tickets for credit. Capital One refuses to accept any liability for there staff that are not trained and or overlooked both disputes. They also didn't send any emailed to me to respond, I mean it was abundantly clear that I had requested a credit on BOTH tickets. I have a complete documented file, I spoke to Capital One yesterday, and they basically told me too bad ... .I think they are in violation of there duty to provide proper due diligence and protect the card holders interests. The card in listed under my name and I have Never been late paying my balance. Please help me get my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Accounts name : XXXX XXXX XXXX XXXX  # XXXX Account name XXXX # XXXX Account name XXXX XXXX XXXX XXXX XXXX ACCOUNT NAME XXXX XXXX # XXXX violated my rights 15 U.S.C 1681 section 602 A States I have 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 followinc items of information XXXX other adverse item of information. other than records of convictions of crimes which antedates the report by more than seven vears. 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: Debt collection

Repeated calls from different phone numbers to my parents home phone number and my cell phone number. Latest phone call to my parents was from a number that showed up as pay phone # XXXX with a recording in males voice that states either they are XXXX XXXX   XXXX or XXXX XXXX and they dont ask for anyone by name or state what theyre calling regarding just that if you dont call # XXXX back today that they have no choice but to take matters to the appropriate jurisdiction against you because youve been uncooperative in addressing the legal matters against you. You must make payment arrangements immediately to avoid further prosecution. 
Weve no idea what this is in relation to or who theyre calling for. Weve googled this and apparently its a scam to get you to send them money in some cases illegally and on others its listdd as debt collector who is taking illegal methods to try to solicit money in illegal manner. They switch up the number they call from but continue to call several times a day for a couple months now. Help!
Product: Student loan

I owe almost XXXX in student loans and need help clearing it and also boosting my credit score and funding for my business
Product: Credit reporting or other personal consumer reports

I have been i victim of identity theft, i have never lived at XXXX copal ct in XXXX XXXX ca. All accounts are associated with this address. I have tried to get these ftaudulent accounts removed from the bureaus, but they just wont do it
Product: Debt collection

Im requesting the CFPB to investigate Resurgent Capital Services and its business practices. 
Regarding Debt Validation Rights Violation by Resurgent Capital Services Introduction I am writing to file a complaint against Resurgent Capital Services XXXX for violating my rights under the Fair Debt Collection Practices Act ( FDCPA ) and its implementing regulation, 12 CFR 1006.34 ( c ). 
Resurgent Capital Services Violation On XX/XX/year> I sent out a request 12 CFR 1006.34 ( c ) and Resurgent Capital Services has failed to provide me with a written notice for debt validation within the required 30 days as mandated by federal law under 12 CFR 1006.34 ( a ) ( 1 ). I have not received any validation information from Resurgent Capital Services XXXXdespite them attempting to collect a debt from me. 
My Rights Under the FDCPA The FDCPA protects consumers from unfair and deceptive debt collection practices. One of these protections is the right to receive a written notice for debt validation within five days of the first communication from a debt collector. This notice must include : The name of the creditor The amount of the debt A statement of your right to dispute the debt Request for Action I request that the FTC investigate Resurgent Capital Services debt collection practices and take appropriate action to ensure they comply with the FDCPA. This may include requiring Resurgent Capital Services to : Cease all collection efforts until they provide proper debt validation.

Correct any inaccurate information on my credit report.

Be subject to any other penalties the FTC deems necessary. 


Thank you for your time and attention to this matter. 
Sincerely, [ XXXX XXXX ] XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX
Product: Credit reporting or other personal consumer reports

Someone had opened a discover credit card under my name without my knowledge in New Hampshire but I never lived in New Hampshire. I never applied for the account nor allowed anyone to apply on my behalf. I found the credit card on the experian credit reports and disputed the unauthorized account last month through experian, but discover bank and experian are refusing to remove the unauthorized account from my credit reports. I filed a police report for the unauthorized account, sent the police report to them but the discover bank and experian still refusing to remove the account from the credit reports. XXXXXXXX XXXX case number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB Complaint to vehemently dispute the fraudulent items listed on my credit report. It is utterly unacceptable that these accounts are present on my report, especially since I did not open them or give authorization for anyone else to do so on my behalf. I am appalled that you have not taken the initiative to remove them already. The items in question are listed below, and I expect that you will take immediate action to remove them : XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXXXXXX XXXX XXXX XXXX XXXX Unpaid Balance {$700.00} XXXX XXXX  XXXX Unpaid Balance {$0.00} XXXX XXXX XXXX XXXX Unpaid Balance {$1300.00} XXXX XXXX Unpaid Balance {$0.00} XXXX  XXXX XXXX Unpaid Balance {$16000.00} XXXX XXXX XXXX XXXX  XX/XX/2022. I insist that you provide me with a written response outlining the results of your investigation, and I expect to receive an updated copy of my credit report once the fraudulent items have been removed. Do not underestimate the seriousness of this matter. I am taking all necessary steps to report this case of identity theft to the authorities and will not hesitate to pursue legal action if necessary. Your immediate attention to this matter is expected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX  XXXX, XXXX
Product: Checking or savings account

I have been locked out of my account after I initiated a transfer from my Account at Marcus to an external account. They are not allowing me access to my funds.
Product: Credit reporting or other personal consumer reports

I have recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts reporting on my credit report. These remarks have been detrimental to my life and credit health.
Product: Credit reporting or other personal consumer reports

Privacy and Confidentiality under 15 USC 1681 XXXX  XXXX XXXXXXXX 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. 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. Accounts need to be removed from report.
Product: Credit reporting or other personal consumer reports

Hi, XXXX XXXX XXXX put a delinquent status on my credit report thats past due Im not past due this was a prepaid credit card. Theres no reason why they should be reporting anything. I made a complaint to the FTC. This information is not accurate. They are maliciously derogatory, mixing up my credit report by reporting false information on it thats not mines. 

XXXX XXXX keeps putting 120 days past due that is not my account. I have no knowledge of that of whats going on. I am not 120 days past due whatsoever. Somethings wrong on my status Im not 120 days past due. I have a fraud alert on my account. They keep doing it over and over again I keep disputing it over and over again the credit bureaus are allowing this to happen. 

XXXX keeps refreshing and reporting derogatory on my credit report. I paid this account off. I dont owe them any money. They keep putting fraudulent information on my account thats not mine.
Product: Payday loan, title loan, or personal loan

They called someone and told them I had a title loan and my payment was due. It costed me my marriage and income. they are on my recorder, saying how sorry they was for doing it, but now the damage is done. Because of this my truck is being repo by XXXX. 
If they would not have broke thier confindentalaility contract agreement I would have My truck paid off with them, but instead they are repossing my truck. 
So unfair
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I have recently noticed fraudulent activity on my credit reports. What I have found has lead me to believe I may be victim of identity theft, as I did not approve any information to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any notifications or alerts to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the home buying process. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PTF document reflecting all items that were found to be unauthorized by any such.
Product: Credit reporting or other personal consumer reports

According to 15 USC 1681e ( b ) You are suppose to assure maximum possible accuracy. This account is not accurate according to the Fair Credit Reporting Act. Delete account immediately for violating 15 USC 1681e ( b ). This account is closed. I would like to have it investigated and removed completely from all three credit agencies.
Product: Checking or savings account

My aunt asked me to XXXX over a car payment for her and I did, because the account is under my name when she spoke to a agent they said I would have to file the claim for her and Im going to let her explain to you what happened I had purchased a car but the contract was not finished, I was informed by my dealership to XXXX {$1500.00} for the deposit with the number I was provided, the number that was provided was wrong or the person no longer worked there after sending the payment my car was repossessed due to no payment, I called the dealership to see why my car was repossessed and they said because I did not make payment I told them I did make payment I XXXX  it over the the phone number provided they lied and said they did not receive the payment they called the number to verify and he said no, I called the bank and there was nothing they can do I will have to make a police report which I did do and I still have a copy of the police report. If you have any questions please contact me at XXXX or XXXX XXXX XXXX
Product: Credit card or prepaid card

TD Bank discriminates based on Race. Despite opening similar credit cards at the same time, both linked to a joint checking account, my husband ( XXXX last name ) has received multiple credit increases automatically, while I've never received a single automatic increase. In fact, when I requested one, I was given an increase of XXXX . 

All this is despite the fact that I have a higher FiCO score and a higher paycheck. 

Literally the only difference between us is that I have an XXXX last name and he has an XXXX one. 

I contacted the bank and got a run around. I was basically told to call a different department and request a credit limit increase, something that my husband had never once had to do. They are attempting to hide behind late payments. Which is ridiculous, since we pay the bills for both cards almost concomitantly. In any case, that would not account for the disparity at this point ; which my husband at XXXX limit and me at XXXX ... 

That's the subtle way that financial institutions continue to discriminate against customers of XXXX decent. I can provide documentation in the form of both accounts for a comparative analysis.
Product: Checking or savings account

A Bank Called Current, ( Routing number is XXXX ), I have a checking account with them and I have more than XXXX US dollar available balance inside, but last week they closed my account and ban my online access, they also dont want to mail me back my own money by paper check, so I want to complaint them.
Product: Credit reporting or other personal consumer reports

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the 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 according to 15 USC 1681 ( e ) ( b ). This did not happen.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against JP Morgan Chase Bank Auto regarding their unauthorized sharing of my nonpublic personal information with non-affiliate third parties and consumer reporting agencies. I have taken appropriate steps to exercise my rights under 15USC 6802 of Gramm-Leach-Bliley Act ( GLBA ) to opt out of such information sharing and I believe my privacy rights have been violated. On ( XXXX ), I notified JP Morgan Chase Bank Auto, that I am opting out of any and all authorization, whether written, unwritten, verbal, non-verbal, for the sharing of my nonpublic personal information with non- affiliated third parties, including consumer reporting agency, for any purpose other than those necessary to provide me with financial products and services. 
I provided this opt out notice in accordance with the legal requirements outlined in 15 USC 6802, and I have retained documents of my communication with the institution.

Despite my explicit opt-out request and my clear assertion of my rights under the GLBA, I have reason to believe that JP Morgan Chase Bank Auto has continued to furnish my nonpublic personal information to non affiliate third parties and consumer reporting agencies without my consent. 
The unauthorized sharing of my personal information constitutes a serious violation of my privacy rights and a breach of federal law. I am deeply concerned about the potential for identity theft, fraud, or other financial harm. 
I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that JP Morgan Chase Bank Auto, complies with all federal regulations and laws, including the GLBA to protect the privacy and information security of consumers like me. 
Additionally, I would appreciate regular updates on the progress of this investigation and any actions taken to address the violations committed by JP Morgan Chase Bank Auto. 
Please feel free to contact me at XXXX or XXXX if you require any additional information to proceed with this investigation. I am committed to cooperating fully with your office to resolve this matter and to protect my privacy rights. 
Thank you for your time and cooperation
Product: Credit reporting, credit repair services, or other personal consumer reports

Victoria Secret is reporting lates for the months of XXXX and XXXX. I was not late on this account. I made my payments online and thought everything was fine as i did not receive a call or notice about being late. I recently had my credit pulled and noticed the lates on my credit file. I had called immediately and paid the balance. I made these payments on time on the online system and never received a call or notice about the lates. I had no idea that i was being marked late. I need these lates to be removed from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX IS NOT REMOVING OLDA ACCOUNTS THAT HAVE PASSED A 7 YEAR STATUTE OF LIMITATIONS FROM MY CREDIT REPORT! 
I have proven to Equifax munerous times for 6 months now that XXXX XXXX XXXX act # XXXX has been over 7 years since last date of default and since last date of activity and XXXX XXXX act # XXXX has been over 7 years since last date of default and since last date of activity. None of the other bureaus are reporting it anymore but EQUIFAX keeps stating that they verified it with the original creditor, when I have letters from XXXX XXXX XXXXXXXX and XXXX XXXX stating they are NOT REPORTING THIS OLD ACCOUNT AND THAT IT SHOULD BE REMOVED FROM MY CREDIT REPORT. 
please help this is damaging my credit and Equifax is being totally ignorant to the F.C.R.A. rules and regulations
Product: Credit card or prepaid card

Last month received a credit card application for XXXX XXXX from Chime. My information has been on the web and had the same problem with XXXX. I tried to call Chime but could not get anyone. They said need to respond by email. After several emails explaining the situation Chime has not taken any action. Got so frustrated I went to the XXXX  and had them work with Chime. Still no action by Chime. 

Every email Chime asks for something else which I have sent to them. 

I already opened a police report with the City of XXXX. They said you can freeze your credit. I said it is frozen. XXXX Police responded " they issued a credit card and your credit is frozen ''. 

I have also sent a copy of my drivers license and a picture of me holding my drivers license signed and dated.
Product: Credit reporting or other personal consumer reports

I received a letter from the XXXX XXXX XXXX. which detailed my outstanding student loans and lured me in to call the phone number as I was planning to situate my loan repayments and the XXXX XXXX website is the most confusing site for people entering loan repayment. Anyways, on this phone call, the scam artists, have an elaborate script where they reveal along the way that they have ALL of my personal information. They stated my SSN, addresses, phone numbers, emergency contacts, loan details and more. All of this was in effort to get me to provide bank account information, which I unfortunately did, and finally they wanted me to sign a digital document which was sent to my email. Thankfully, I realized at this step that this was a fraudulent email, but up until that point there was almost no way to distinguish that I was on the phone with a criminal.
Product: Vehicle loan or lease

I bought a XXXX XXXX in XXXX of 2022 from XXXX of XXXX. I got financing through Ally Financial. I got behind on payments after I XXXX XXXX XXXX last summer. The front end of the car was relaced. Insurance paid for the repairs. But I lost out on work and it snowballed. I called ally financial to ask for a hardship help when I first got behind. I was told they don't offer any hardship help. I had made arrangements to pay what I could to keep from Repossession. When I went to pay I realized they locked me out of my ability to pay through my bank. I have had no problem paying through my bank before, it's a good standing account. I called Ally financial and they " moved '' my account and said I had to pay through XXXX XXXX or XXXX XXXX to a separate ally financial account that's not attached to me in any way. I requested they restore my ability to pay through my bank because I can not use XXXX XXXX  or XXXX XXXX I offered to make arrangements to surrender the car and I was told I can not and to wait for Repossession. They repossessed the car on XX/XX/XXXX at XXXX XXXX. The repo agents did not have any paperwork for me either. I don't think I was treated fairly in this matter. I was barred from being able to pay through my banking institution, and was told I couldn't surrender the vehicle. Nowhere in my contract does it state they can change the way I pay my loan.
Product: Credit reporting or other personal consumer reports

The Truth in Lending Act ( TILA ) is a consumer protection law enacted in 1968 in response to exceedingly predatory loan practices. Prior to the TILA, lenders would use a variety of terminology and forms of lending that manipulated uninformed borrowers. The TILA changed this by requiring a uniform system of disclosures and terminology to be used for lending like credit cards or mortgages.

Creditors were required to disclose details like the annual percentage rate and repayments details in a clear way to borrowers or else the borrower may be able to rescind the debt. TILA also limits the amount of late fees creditors can charge. Overall, TILA, since its signing has been updated to respond to changing lending practices to ensure borrowers clearly understand the terms and conditions they agree to.

Title 31 Sub-section 3130 of obligations and interest on the public. False and inaccurate credit reporting causing instability and hardship.