23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Wells Fargo had been my primary bank for over 10 years. Throughout the last few years, I have continuously reported suspicious activity and disputed transactions on various different occasions. Each time, Wells Fargo denied the claims ( until recent ) and stated I authorized the charges, even though I disputed these transactions and explained I had not authorized. I was sent numerous replacement cards, but they never actually changed my account and only offered to do so when I closed my account. There has been fraud across my checking and savings of Wells Fargo, which lead to fraud across the rest of my credit cards being maxed out due to unauthorized fraudulent use. 

I had a personal loan that had a 24 month term period that included the principal and interest payment for a {$25000.00} loan. I have made payment and the loan continues to grow interest despite the agreement having the interest built in.This loan should be paid off given the amount paid and the agreements, the balance states {$15000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had issues with Navient for several years. They were mandated to remove payment histories from my bankruptcy XXXX from XX/XX/XXXX back to XX/XX/XXXX and still state they dropped the ball and these have n't been removed from my credit report. Only XXXX acct. They refuse to remove the XX/XX/XXXX student lian that was discharged.
Product: Debt collection

I did not receive any information of debt. 
I did not receive proper notification of debt. Send a copy of the certified receipt that i should have been allowed to sign with my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

Miss-information present on my XXXX credit report regarding all my student loans with EdFinancial. 

It is stating " Payment Deferred '', showing on XXXX different Student Loans managed through EdFinancial " Opening Dates : Balance '' : XX/XX/XXXX : {$5500.00} XX/XX/XXXX : {$5500.00} XX/XX/XXXX : {$4500.00} XX/XX/XXXX : {$4000.00} XX/XX/XXXX : {$3500.00} XX/XX/XXXX : {$2000.00} XX/XX/XXXX : {$2000.00} XX/XX/XXXX : {$2000.00}
Product: Credit reporting or other personal consumer reports

The inquiries i have listed should be removed, this can't be a factual record I do have file the FTC report which i attached in the complaint this info should be removed in 24 hours otherwise i may take this thing to the court, this not something i going to take light, please help me with this, Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights Here are the inquiries listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have recently pulled my consumer report and I have found numerous inaccurate and unauthorized reporting from XXXX XXXX XXXX XXXX to credit bureaus which is a complete violation of the Fair Credit Reporting Act and the Privacy Act of 1974! The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. According to 15 USC 6802 Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section XXXX of this title. XXXX XXXX XXXX XXXX is continuing to report negative items on my consumer report. XXXX XXXX is committing securities fraud and theft. XXXX XXXX has threatened, harassed, and even attempted to extort me for this alleged I debt they claim I owe them. XXXX XXXX XXXX XXXX is reporting as a charge off on my consumer and they are still claiming I owe a debt. How is this accurate if a charge off is considered income? When it comes time for XXXX XXXX XXXX XXXX to do their quarterly taxes, they're going to report the charge off as income and receive a tax deduction. By law you can't attempt to collect on a debt that has already been paid! That is THEFT! Not only that, XXXX XXXX XXXX XXXX, has a continues to sell this alleged debt along with MY NONPUBLIC information to collection agencies WITHOUT MY WRITTEN, OR VERBAL CONSENT. I pulled XXXX XXXX XXXX XXXX, SEC filings, more specifically the XXXX and XXXX, with in SEC filed Prospectus, and Trust Indenture Forms. In the forms forms state XXXX XXXX XXXXXXXX XXXX is securitizing card loan agreements as asset backed securities and capitalizing off of it by trading and putting these loans in a pool and selling them on the secondary market. I also stated in my letter for XXXX XXXX to the immediately notify all credit bureaus that the account is PAID AS AGREED. In the letter, I also stated that I was aware of the fraud and theft that XXXX XXXX XXXX XXXX  is committing and that I am putting them on notice because I will be filing complaints with the SEC, XXXX, IRS, and further legal action. XXXX XXXX XXXX XXXX has refused to remove and is continuing to report negatively on my consumer report! I demand my account be updated PAID AS AGREED immediately Or at receipt of notice to we Opt out of all reporting on any account by the holder per 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

First of All, Im not sure if I have put the correct category.

That being said, I wanted to file a complaint against CHASE BANK. They LED me to believe I could buy a car through their network of car dealers and then I would apply for an auto loan and get my APR. 

I have included many screenshots of what I am about to state... 

On XXXX I applied online through CHASE BANK for a soft/pre approval XXXX loan. I was pre approved for XXXX. 

Then today, XXXX, through the CHASE email that stated I was pre approved, I clicked through by clicking on CHASES " shop for your car '' BLUE BUTTON believing that I was using the network of dealers who work hand in hand with CHASE.

At that point Im wondering whats the APR? Well, I have to find my car and price online and then CHASE would ask me some financial info like, down payment, terms and of course the cost of this car. So, I then hit the CHASE " shop for your car '' BLUE BUTTON where I proceeded to put in my car choice, XXXX XXXX XXXX. Then up popped a few selections and I found a car I liked at a price ( MSRP {$25000.00} ) I was willing to pay and finance AT CHASE.

Everything was good at this point, I just needed to know what the APR was at CHASE. They needed more info from me, so I was great, im ok with a HARD CREDIT PULL, since I like what I saw. 

I clicked through the CHASE " get prequalified '' BLUE BUTTON and gave them my info. 

At this point I cant show any more SCREEN SHOTS since that required another HARD CREDIT PULL -- but I did fill out all the info CHASE needed -- like how much was i willing to put as down payment, ( i said {$10000.00} ) and asked for a loan up to {$20000.00} which should be enough to cover the MSRP {$25000.00} + TAX and some XXXX fees and I put my terms as 60 months. Now with this HARD CREDIT CHECK i should get my APR % AND MONTHLY PAYMENT AMOUNT.

So I got approved for the {$20000.00} at the terms at 6.64 % on APPLICATION ID XXXX and they state I was to contact their dealer- XXXX XXXX. 

I did just that right after the I got the email. BUT THEIR was a problem at XXXX XXXX. They state that the price on the internet wasn't {$25000.00} ( see screen shot ), but they have a Market Adjustment Fee of {$2500.00}. that was NEVER MENTIONED anywhere on the internet and had I known this {$2500.00} Market Adjustment Fee was being charged I would have done a HARD CREDIT CHECK with CHASE.

So I proceeded to call CHASE on the phone to let them know they led me on with all these links only to be duped, BUT when I asked the auto loan gal to remove the HARD CREDIT CHECK, they said THEY CANT REMOVE IT?? 

So here I am filing this complaint on CFPB website.
Product: Checking or savings account

chase allowed someone to use my account they have not fixed this since XX/XX/XXXX i 've made them aware of this several time and show them proof that i never received these items
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La XXXX XXXX Date : XX/XX/year> Capital One Attn : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, UT XXXX Subject : Intent to Sue for Violations of Federal Law Dear Capital One Legal Department, I am writing to formally notify you of my intent to file a lawsuit against Capital One for repeated violations of the Fair Credit Reporting Act ( FCRA ) and other applicable federal and state laws. The violations pertain to the inaccurate reporting of information to the credit reporting agencies ( CRAs ) regarding the following accounts : 1. Account Number : XXXX XXXX. Account Number : XXXX Upon reviewing my credit reports, I have identified several inaccuracies, including but not limited to : Account Type : Incorrectly reported. 

Account Status : Misstated.

Date Opened : Incorrectly listed.

Balance Reporting : Inaccurate.

High Credit : Incorrect value reported.

Credit Limit : Misreported.

Past Due Amount : Reported incorrectly on a charged-off account.

Payment Status : Incorrect status reported.

Last Reported Date : Not accurate.

Comments Section : Contains misleading or incorrect information.

Date Last Active : Incorrectly stated.

Date of Last Payment : Reported incorrectly. 

These inaccuracies constitute willful and/or negligent non-compliance with the FCRA, specifically under 15 U.S.C. 1681s-2 ( b ), which mandates furnishers of credit information to ensure accuracy when reporting to CRAs and to promptly correct inaccuracies once notified. 

Demand for Damages As a result of these violations, I have suffered significant harm, including but not limited to damage to my credit score, denials of credit opportunities, emotional distress, and reputational harm. I am demanding the following : 1. Statutory damages of {$1000.00} per violation as provided under the FCRA.

2. Punitive damages for willful non-compliance.

3. Reimbursement for attorneys fees and legal costs if litigation proceeds.

Resolution Request To avoid litigation, I demand the following actions within 15 days of receipt of this letter : 1. Immediate correction of all inaccuracies in my credit reports regarding the accounts mentioned.

2. Written confirmation from Capital One and the CRAs of the corrected information.

3. A settlement amount of {$12000.00} to resolve this matter amicably.

If I do not receive a satisfactory response within the specified timeframe, I will have no choice but to file a lawsuit to enforce my rights under the FCRA. This letter serves as your final notice before legal action is taken.

I look forward to resolving this matter promptly. Please direct all correspondence to the address provided above or contact me via email or phone. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting, credit repair services, 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 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX XXXX, and XXXX XXXX . 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 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

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, ITEMS, or items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any ITEMS or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX IL XXXX XXXX XXXX Balance : {$34000.00} XXXX XXXX  XXXX Balance : {$720.00} XXXX XXXX XXXX XXXX Balance : {$680.00} XXXX  XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

in XXXX of 2023 i made a lease payment to infiniti financial services which was returned unpaid as i used the wrong stored account. infiniti decided to block me from the web portal leaving me unable to look at my account. they also decided to put me on paperless billing without my consent leaving me with no account information what so ever. after calling infiniti i was told i had to make my payments threw customer service but i could still use my checking account which makes little sense if the reason im blocked from the portal was due to a returned payment via checking account. i quickly learned i would now pay XXXX for every payment i make as there is a few for paying threw customer service this fee is not waved if you are blocked from there portal. i call infiniti on XX/XX/2023 as i get a notice of a 30 day past due from XXXX XXXX from infiniti financial services i aske why i was not mailed as billing statement or even a email my account is late the agent is only concerned with me making my payment which i go ahead and do after which i start to ask questions on how im suppose to be able to look at my account and know due dates and payoff info or anything. she says i should be keeping up with my due dates and they have called me everyday for two weeks which i argue against as i had no calls from infiniti in my call logs so she says it could show as spam and i should have answered the spam calls so i tell her i dont answer spam calls as its spam and they should come up as infiniti financial services not spam this could have avoided me paying late and resolved this issue without me filing a complaint. the bottom line blocking me from the portal and not sending me statements has left me blind to my account activity and should be illegal this policy should be changed.
Product: Money transfer, virtual currency, or money service

I sold Bitcoin through Coinbase and their system claimed to have completed the wire deposit to my bank account on the same day, XX/XX/XXXX. The amount total is {$2900.00} after fees. As of submitting this complaint, it is XX/XX/XXXX. I have reached out to them several times trying to get an estimated date of the arrival of my withdrawal. At first I received an automated response telling me that wires would be delayed up to 10 days, which is clearly not true. After the 10 days passed, I reached out to them again and did not even get a reply. They have provided no transparency as to why I can not get my funds from that transaction.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX nj XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Subject : Second Request - Credit Reporting Violations Under FCRA and FDCPA Dear Consumer Financial Protection Bureau , I am submitting this second complaint regarding inaccurate and improper reporting on my credit report, as my previous complaint was not resolved satisfactorily. 
I have noticed multiple Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) violations on my credit report that are negatively impacting my financial standing. Despite my first dispute, the credit bureaus and/or creditors have failed to take corrective action. 
Issues Identified on My Credit Report : 1. Inaccurate Reporting of Account Status o The following account ( s ) have been reported as Charge-off or in collections, despite being disputed and/or settled : XXXX XXXX XXXX XXXX XXXX This violates 15 U.S.C 1681s-2 ( a ) ( 1 ) ( B ), as the furnisher has failed to update incorrect information. 
2. Re-Aging of Debt ( Possible Violation ) o The Date Last Active and/or the Date of Last Payment appears to have been incorrectly updated, which restarts the statute of limitations on the debt.

o If proven, this would be a serious violation of FCRA and FDCPA regulations. 
3. Failure to Mark the Account as Disputed o Under 15 U.S.C. 1681s-2 ( a ) ( 3 ), creditors and credit bureaus are required to mark accounts as disputed once a dispute has been filed.

o My disputed accounts are still being reported without this required notation. 
4. Incorrect Balance and Credit Limit Reporting o Some accounts show inconsistent balances, credit limits, and past due amounts, which may be artificially inflating my debt-to-credit ratio.

o This violates FCRA 15 U.S.C 1681e ( b ) ( duty to maintain accuracy ).

Requested Resolution : I respectfully request the CFPB to investigate this matter and ensure that the credit bureaus and/or creditors : delete the inaccurate information on my credit report. 
Provide proof of debt validation ( if applicable ). 
Cease any re-aging of accounts and report the accurate Date of Last Activity. 
Ensure compliance with FCRA and FDCPA regulations. 
Attached are copies of my credit report, previous dispute letters, and any responses from credit bureaus or creditors. 
I appreciate your attention to this matter and look forward to your prompt resolution. Please provide me with updates regarding the investigation. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts were charged off and since then the accounts have been repeatedly updated as charged off every month. This is an update in the payment history which to my understanding charged off accounts should not include an active payment history. I would like to add this falsely manipulates the statue of limitations. I'm demanding an immediate deletion of the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is a violation of the FCRA and I'm entitled to monetary compensation. I'm asking for the removal of all inquiries as they are not permissible and I haven't given these companies permission to have obtained my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries that aren't permissible must be deleted off credit reports and don't require an ftc or police report per FCRA.
Product: Checking or savings account

on XXXX-XXXX-2017 i deposited in my account XXXX dollares from a customer in 3 checks of XXXX each the next day i checkd with the bank and they told me the funds were avaliable for me to withdraw when i tried to withdraw the money the teller told me that the bank will need to verify the checks with the other bank come back tomorrow and be able to withdraw funds for me but on the same day my online account was blocked my personal and business accounts were blocked and nobody told me anything about it not even a phone call telling me nothing and i really need the funds to take my family out of XXXX to XXXX because of the huracan irma is coming category 5 now i dont have money or debit cards or nothing i called the bank and they told me they have an investigator named XXXX doing some investigations i called this investigator 5 times and not respond from her now what do i have to do now if they were going to block my online account or cards why in the world i was not notified in the first place so i know what is the problem now i dont know what to do i have family kids without money and a huracan irma is coming to us we dont even have moneyfor gas to get out of here this is not the right way to handle customers at all i wish i can sue this bank for this kind of behaivor i am contacting you because under the law you are the ones that supervised and take the appropiate sanctions against this bank i want to know what to do as soon as possible since this huracan is coming please help me my life and the lifes of my family is in danger and XXXX XXXX is responsible for thank you XXXX XXXX XXXX  Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Hours : Open today XXXX See more hours Phone : ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. 
XXXX XXXX XXXX