23daVinci/CFPB_Complaints huggingface dataset:
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 USC 1681. 

Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or 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 card or prepaid card

I have a Capital One credit card and when my bill is do on the date the interest is included in the payment and is paid with a additional payment that is the be applied to my balance to reduce my principal balance. Instead the princial balance is being taken and its like identity theft and my available credit disapears which the interest is being double charge on my account and the available credit is being stolen from my account on the next day after the payment has been applied. 

I have contacted the creditor to inform them the payment for the monthly is not being applied towards principal to allow my to used my available credit and asked them to change the bill due date. 

Never happen and my payments are not being credited to reduce principal.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX an alleged debt originated with XXXX XXXX was reported by XXXX XXXX. I demanded validation because I knew the debt was either too old to be my debt or it simply was n't my account. I have not authorized any utilities in my name since I married my wife. Those types of accounts always go in her name. XXXX XXXX did not validate the account they removed the account from my credit report because they lacked the evidence to support their claim. Now XXXX XXXX has purchased the same debt and is reporting the open date as XX/XX/XXXX. I did not authorize the account and on top of that they are intentionally reporting the unauthorized debt as a much newer account than what it actually is.I have included a copy of my old credit report to prove at a minimum the account opening date is invalid. XXXX XXXX needs to validate this debt prior to continuing its collection efforts. Additionally, XXXX has re-added this negative information although the previous owner has failed to provide any form of debt validation after being requested. Finally, I have filed an identity theft report to report this theft. .As stated previously, I did not authorize the opening of the account which is why I demanded validation of the debt in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received an email from my credit monitoring company that a collection account was added to my credit and my credit score dropped by 108 points as a result. The account is an account that was opened by my ex husband either alone or with his ex wife in XXXX which was 6 years before we met and 7 years before we married. He added me as an authorized user to his main XXXX account so my paychecks could direct deposit into his checking account and the account showed as an individual account on his credit up until he recently filed for bankruptcy. After the credit card company processed his bankruptcy they then changed the account without my knowledge or consent from me being an authorized user to a joint account holder deciding i was liable for the account since they couldn't collect from him. I never agreed to be a joint card holder nor did I agree to be responsible for his debt. This account has been past due since XXXX and was not deemed mine by XXXX until my ex filed bankruptcy so they couldn't collect from him. Since this was solely his account and from prior to our marriage even our divorce paperwork shows its solely his account. I contacted XXXX and they told me this has happened so many times when they add an authorized user and make an error and put them as joint owner without their permission that they dont even allow authorized users anymore. I provided XXXX, Experian and XXXX all with a copy of my marriage certificate to show we were married 7 years after this account was opened and a copy of my divorce court paperwork to show this is only his account and a letter explaining the situation and they refuse to remove it fro my credit. I did not sign agreeing to be a joint owner of this account and did not agree to it verbally.
Product: Credit reporting or other personal consumer reports

I received a text notification alert from XXXX bank saying that someone reported bankruptcy on my XXXX Card I went on my XXXX Card app immediately and logged on only to find out I was XXXX from using the app. I was told by the supervisor XXXX from XXXX Card that my account was in fact charged off and closed due to a bankruptcy - I explained to the supervisor XXXX that this is a big mistake because I did not claim bankruptcy. We verified the account number to make sure and it was in fact my account number that was being reported incorrectly and closed. 
My account was falsely closed and falsely reported on all three credit bureaus. My mom and I have the same name and reside at the same address, however we both have different social security numbers and dates of birth, I dont even know how my credit card information was obtained for this to even happen. I have no linked credit cards with my mom. My card was falsely closed and falsely being reported and now my credit is showing a bankruptcy that is not mine. I owe money on the card and I cant even long onto the app to pay it because Im restricted and the account is closed bankrupt/closed/charge off. 

The supervisor XXXX told me she will put this into investigation but I need to write a complaint for the investigation department to explain my situation in more detail to help with the process of restoring my card and removing this information and to attach a copy of my drivers license. 

My card needs to be reinstated and this bankruptcy needs to be resolved because its not mine, Please assist as this is a HUGE mistake
Product: Credit card or prepaid card

I have applied for Amex delta blue card and the offer was - spend XXXX $ in first 3 months and get XXXX miles. I fulfilled the conditions but did not get XXXX so I contacted Amex directly and customer care associate told me that he submitted the ticked ( screen shot attached ). Then I checked again with customer service and they told me that they are still processing my case ( screen shot attached ). Then I texted again and customer care associate has told me that I will not get points due to offer terms, which were obviously changed recently, because previous customer care associates have not mentioned a word before.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and Equifax
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and it shows company AFFIRM INC account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$400.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Checking or savings account

On XX/XX/XXXX I tried to Access my 401K Account that is managed by Wells Fargo Retirement Services. I was accessing the account to make contribution changes to my 401K plan. I found that my account has become unacessable and is not displayed at all anymore on my account. I am unable to make contribution limit changes. 

On XX/XX/XXXX I called Wells Fargo retirement services and spoke with a representative at length regarding this issue. The representative stated that the issue would be resolved in 24 to 48 hours. 

On XX/XX/XXXX I again tried to access my account and make contribution changes. Again the account is made unaccessable for changes to my contribution limit. I then called the Account Services again and explained the issue and that it had not been resolved. 

Now I am being told they aren't able to see the account or make changes on my behalf and can not provide a solution. 

Currently my income is being affected by this gross negligence and my rights by law are being violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts 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 remove these files. 


XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$140.00} ; XXXX XXXX Balance Owed : {$460.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$140.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Product: Credit card or prepaid card

I used a Citi Simplicity Card convenience check to pay for dental work. The dentist office ( XXXX XXXX XXXX ) did not cash the check before it was expired, and asked me to give them a more recent check which I said I would do when came in for final work. 
In the mean time, some work the dentist did for my husband had broken off ( 1 XXXX within 21/2 years and a XXXX in front within less than 2 years ) he said he does not guaranty for this. I was afraid to let him continue to do work on me without a guaranty and do n't want him to finish the job, and I have no  confidence in his work. 
I called Citi credit card customer service to make sure the check I had given could not be cashed and they assured me the there was no problem. Three weeks later, I noticed that I was charged {$3200.00} to my card. I called Citi Bank customer service and they said they would investigate the complaint. They have not reversed the charge to my credit card. I do n't want to pay for the charge after they assured me there would be no problem. 
What can I do?
Product: Vehicle loan or lease

This complaint is in regards to Carmax on line payment system and the over drafting of {$980.00} on XX/XX/XXXX, from my checking account. This is in addition to {$500.00} draft on XX/XX/XXXX. A total of {$1400.00} in 2 days. My accounts are negative and I will have nsfs from the bank and fees from creditors. THIS WAS PART OF MY MORTGAGE PAYMENT. CAUSING ME A SEVERE HARDSHIP! 
I am a great paying customer. I have never missed a payment nor been late since I originated the loan XX/XX/XXXX. 
I have notified Carmax customer service department over the past year that the on line system began to show a payment request of {$980.00}. They would tell me to over look it and that I could modify the payment on line which, the system would allow me to do so. There was a difference this month ( XXXX ) the on line system would not allow me to make the regular payment nor modify. I cancelled the process and called the Carmax office the next day ( XX/XX/XXXX ) to make the payment required and an additional amount of {$5.00}. During the phone call the representative did not inform me that a {$980.00} payment had already been applied. She took the payment of {$500.00} by phone. I informed her that the on line system requested I pay {$980.00}. I cancelled the on line process. I asked her why the system would not allow me to modify? I received the same answer as usual to " just ignore it. '' I made a requested of the representative to contact the Tech dept and inform them of the on line issue because the problem had gotten worse. Evidentally no one heard me nor cared! 
Again this has caused me to be in a financial strain. I want the {$980.00} reimbursed to me as soon as possible! I am requesting as well, Carmax pay all NSF and other fees that may occur due to their issues. 
They claim I processed the payment of {$980.00} on line. I informed them that I never received an email for confirmation of an on line payment. I would have inform them when I phoned their office.
Product: Mortgage

Planet Home Lending LLC My complaint is that is company is dirty and in dereliction of duty. They are trash and they should not be in charge of the life investment a home is to Americans. Enough of these shady grifters.

This company is not able to process anything or keep any records coherent. They lack the coordination, the infrastructure and reputation to be a lender to anyone.

Their internal systems are a disaster, their company website has many security issues as well as link jackers. They have no unified number, and send no physical or digital correspondence. I had no clue who they were until I talked to three different originators. They are charging me for a month they said I did not owe because they have no paperwork with anything. 
They are a shoe-in for cyber attacks and their terrible systems will result in another data breach. This is negligent, and they refused to give me the regulatory agency they report to. They refused to give me any serviceable address for them as well.

The fact my VA loan can get handed to 3 different companies without my knowledge is bad. The fact Planet Home Lending is a lender is outrageous. Im filing a complaint with the VA and I am pushing for a 3rd party security audit for their systems.

They are on record accepting bribes and grifting money from Americans. They should not be allowed to lend to anyone. They are unorganized loan sharks. How are these people allowed to handle a VA Loan? This is a disgrace.
Product: Credit card or prepaid card

I tried to address this twice with American Express through the chat feature but I got a bunch of messages about fees to try to get me to give up and when I persisted, I was automatically logged out, twice! I would never expect American Express to be this underhanded. The issue was that I was charged a late fee and interest on this card on XX/XX/XXXX and XX/XX/XXXX respectively when according to my emails, I had an autopay scheduled on XX/XX/XXXX which never occurred ( received XX/XX/XXXX ). The CSR lied and said there was no record of this ( or it's now automated as well ). I changed the bank for this autopay on XXXX but nowhere in the terms nor in my emails was I told the previously scheduled payment would be cancelled. It's too bad Amex wants to spend more money and time doing this the hard way and not even provide real customer service.
Product: Vehicle loan or lease

I missed a payment on my joint loan with my grandfather and it was illegally repossessed during the time that Wells Fargo was illegally performing repossessions on vehicles that should have never received that treatment in 2022, they repoed my vehicle without telling me, the XXXX, and my grandfather making it seem like my vehicle was just stolen, they also never returned my stuff that was left after the vehicle was sold.
Product: Credit reporting, credit repair services, 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 items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting acXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions
Product: Credit card or prepaid card

Wayfair Comenity Bank offers promotional financing with 0 percent interest for 12 months. I recently made a payment to satisfy the outstanding balance on one of these offers in addition to my regular monthly payment. When i looked at my account in the new billing cycle, the payment was not posted to my account and instead was applied to my other revolving balance. When I contacted Comenity, I was informed that the payment had been applied to my highest apr balance, and therefore not to my promotional balance. The account summary on the website is as follows : Promotional Plans Plan 406 - 2 6 MONTHS DEFERRED INTEREST, PAYMENT REQUIRED Remaining Balance {$220.00} Expiration Date XX/XX/2020 To avoid additional finance charges, make sure to pay each promotional plans remaining balance before its expiration date. 

I made the {$220.00} payment to the account in addition to my regular monthly payment per my statement. The {$220.00} was not applied to this balance. It was applied to my outstanding balance at the highest apr. How misleading. When i called the representative said she would have to make sure that our minimum payments had been met before she could move the balance I asked if I made a payment toward the next plan if it would apply when i also made the minimum payment. She said she was unsure and that i would have to call after the billing cycle to see how it was applied. Her best recommendation was to look at my credit card agreement. Other similar accounts at XXXX XXXX  are handled fairly. This seems like a highly deceptive practice. Basically, the bank is counting on you not paying any attention. 

I also reviewed my latest billing statement. It also has lots of details on the promotional plan and many disclosures, however, no mention of this payment disbursement practice. 


Thank you, XXXX XXXX XXXX : I have include
Product: Checking or savings account

I deposited {$2100.00} via atm ( it was same atm of bank ) and only {$300.00} was credited to my account.I am misssing a sum of {$1800.00} and filed a complaint with bank but the bank has put my case in processing .I needed to pay credit card bill with that money but couldnt access it.Bank name is Bank of America
Product: Credit reporting or other personal consumer reports

Theres was a Wells Fargo account opened in my name in 2019 that I did not open that is on my credit consumer report with XXXX XXXX XXXX. I have sent numerous letters to XXXX XXXX  and Wells Fargo with numerous fair credit report codes telling them this is in violation of my rights because this is a negative mark on credit and is in violation of fair credit reporting act. They have yet to validate the account belongs to me or send me any evidence I been asking for in the letters. They refuse to remove the negative marks from their systems and other credit agencies system. They refuse to show me my signature in a contractual agreement proving I opened the account which I did not. XXXX XXXX and Wells Fargo are in violation of my rights. I have asked for names, addresses, emails from XXXX XXXX to prove whom they spoken to from the bank in question that validates the account belongs to me which they have not presented to me.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax and XXXX are required to authenticate this accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance Owed {$91.00} XXXX XXXX XXXX XXXX Balance Owed : {$15000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX dated XX/XX/2022 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax, XXXX and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXXXXXX XXXX XXXX. I believe it was reporting in error. 
XXXX  XXXX XXXX XXXX Balance Owed : {$19000.00}
Product: Bank account or service

I opened a checking account at HSBC back in XX/XX/2016 when it had a promotion that the bank would give me {$350.00} when I keep my balance above {$1500.00} everyday and use the bank 's Bill Pay function at least twice a month for three months within the first 120 days after the account has opened. I met all the requirements but I do n't see my reward. I have contacted the bank twice with email and once with phone but still no money.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding the failure of XXXX, Experian, and XXXX to properly investigate my disputes related to incorrect negative information on my credit report. Despite multiple attempts to resolve these inaccuracies, the credit bureaus have responded with stall tactics rather than conducting a thorough investigation as required by the Fair Credit Reporting Act ( FCRA ). 


The presence of these inaccurate negative items on my credit report has adversely affected my credit score and my ability to obtain credit. This has caused significant stress and financial hardship. 

Requested Resolution :