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

I was scammed, by an individual, who also scammed, many more people! The XXXX XXXX XXXX, Attorney General 's office, is investigating! 
XXXX XXXX and Capital One, allowed me to exceed, my credit limit, of {$11000.00} and {$7000.00}, respectively. 
A checking account, was issued by XXXX XXXX, without, my name on a signature card! XXXX XXXX XXXX, allowed me, to take out {$15000.00}, no questions asked! 
I am being sued by XXXX XXXX! My local XXXX, didn't do anything about this, including the name, of the scammer! I have been let down, by law enforcement! I need some help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed several unauthorized inquiries on my consumer credit report.
Product: Consumer Loan

This is not my account but they keep reporting it the credit bureaus.
Product: Credit reporting or other personal consumer reports

Pentagon Federal CU sold the alleged debt to XXXX XXXX services/Portfolio recovery earlier this year. The account was charged off in XXXX XXXX. I have yet to recieve a 1099C for this debt. 

This is now an official cease and desist letter to stop your collection efforts until it is verified that your company either wrote the debt off on their taxes or they didnt in which I will be suing for damages do to this frudelent activity. 

In addition, please provide the documentation of the amount in which your company sold the debt to the 3rd party debt collector as they are reporting an incorrect balance.
Product: Credit card or prepaid card

My fifth third credit card account was not reporting correct information to the credit bureau I made multiple attempts to call into the credit card department I spoke to multiple supervisors no results then I get a message from the vice president on XX/XX/2020 name XXXX XXXX she left a voice message on my phone indicating to call her I made multiple attempts to reach out to her right after receiving the message with them two days I noticed my credit score has dropped I looked at the problem and it shows that the account is closed I tried to reach out to XXXX XXXX multiple times and receive no call back and no answers I have also called the credit card department explaining to customer service the situation no solution and no help so my credit score was not reporting correctly then she turns around and close the account can't reach her not getting any car back and now my credit score has been affected because of this ever since I open the account with Fifth Third business not been reporting correct information to the bureaus they are not reporting every month I have tried in multiple ways to get this problem fixed and I am the one that is getting affected by the situation even worse during the covid-19 improper handling and abuse of my account information being reported to all three credit Bureau missing information and different information dates amounts are different
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX Account # XXXXMember ID 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 reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX  -- {$1800.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX # XXXX XX/XX/XXXX XXXX {$88.00} XXXX XXXX XXXX XX/XX/XXXX -- {$3600.00} XXXX XXXX XXXX XXXX XXXX XXXX {$3600.00}
Product: Credit reporting or other personal consumer reports

I am here to make another complaint about the same information remaining on my report that I requested to have removed. This is hurting my chances of lawfully obtaining credit on my own merits. My name is being tarnished and I claim this to be defamation of character! The following information is on my reports and I would like ALL of it to be removed. 

Personal Information ( incorrect ) Names : ( outdated ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, Amount {$1400.00}, Acct # XXXX ( XXXX ) Account : XXXX XXXX, Amount {$94.00} XXXX Acct # XXXX ( XXXX ) Experian Inquiries : XXXX XXXX  ( XX/XX/XXXX ) XXXX 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  ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ) Public Record : US DIST CT, Bankruptcy : Discharged XXXX, ( XX/XX/XXXX ) Reference # XXXX, Original Filing Date : XX/XX/XXXX, There's no last Status Date showing. This is in and of itself a privacy violation, defamation of character, and I NEVER gave consent to anyone, any company, or reporting agency/bureau to report ANY negative item on my reports as a living breathing woman. 

Experian XXXX XXXX : XXXX XXXXXXXX XXXX IL XXXX, Bankruptcy XXXX XXXX-discharged, Filing Date : XX/XX/XXXX, Last Status Date : XX/XX/XXXX, Reference # XXXX - This is in and of itself a privacy violation, defamation of character, and I NEVER gave consent to anyone, any company, or reporting agency/bureau to report ANY negative item on my reports as a living breathing woman. 

XXXX XXXX XXXX : XXXX Bankruptcy XXXXXXXX XXXX XXXX bankruptcy discharged, Filing Date : XX/XX/XXXX, Last Status Date : XX/XX/XXXX, Reference # XXXX. This is in and of itself a privacy violation, defamation of character, and I NEVER gave consent to anyone, any company, or reporting agency/bureau to report ANY negative item on my reports as a living breathing woman. 

All of these items are either negatively reporting on my reports without my consent, outdated or incorrect information.
Product: Credit card or prepaid card

I was received a promotion by chase to be able to transfer {$1700.00} with 0 % APR. I happen to make the transfer from my citi bank account to chase. I happen to see that chase approved the transfer but was not seeing the reflection on my citi bank account. A week had passed and they were telling me it could take time. I happen to call about 2 days ago and I then come across a representative that told me I happen to plug in the wrong numbers to the account. I couldnt understand how was it that it was approved without the numbers being completed of where it was being transferred to. I then ask the representative about this and he explains when you do it online the bank does not verify anything they just see if its approved or not. I was never sent an email nor given a call about the numbers being incomplete. They then go to tell me if I fix it I may not have enough time to take advantage of the promotion because it takes 30 days to fix. I called in to just cancel everything because my credit usage is higher due to this transfer I was initially suppose to make. I dont think its fair I have to wait 30 days for this to be fixed when it should of never been approved if the information didnt match.
Product: Debt collection

XX/XX/2018 This collection account unlawfully appeared on my credit and I havent received any noticed from the collection agency. I am unaware what this debt is for and Im not responsible for this balance. I would like account to be deleted permanently without being sold or transferred.
Product: Credit reporting, credit repair services, or other personal consumer reports

Need help getting this documents to Transunion, XXXX and XXXX for my dispute.
Product: Debt collection

Im responding to the XXXX XXXX. XXXX because Comenity Bank has sold the account that originated to them to debt collection companies. If they've sold their debt, they should no longer report the debt owed to them on my consumer reports and it should be removed entirely as they are inaccurately reporting on my credit and misrepresenting themselves as the Owner of the debt with XXXX XXXX  XXXX. The Credit Bureau has continually ignored my requests to have this inaccuracy deleted and it has prevented me from being extended credit in different circumstances. I asked them to provide me with proof of the XXXX  XXXX c form for charged off debt, but they did not, they sold this date long ago and they are still attempting to collect on it. Please remove this transaction from my consumer reports immediately as they are in violation of the FCRA and 15 USC 1692 G validation of debt. The attached shows proof that XXXX XXXX  sold the account.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX XXXX XXXX XXXX due to unethical credit reporting practices. 
I received notification that XXXX 's incorrectly placed a 30 day late on my credit report for XX/XX/XXXX. I contacted XXXX via telephone on several occasions to have this corrected and it was not. While my balance was paid in full, XXXX added additional interest charges in XX/XX/XXXX for {$2.00}, which was then submitted to the credit bureaus as a 30 day late for not paying an interest charge which did not appear on my statement at the time of payment in XX/XX/XXXX. 
I contacted XXXX on XX/XX/XXXX to have my store credit card closed. I submitted final payment on this account to pay the balance in full. I received notification from XXXX that the account was in fact closed in XX/XX/XXXX. I received a statement from XXXX on XX/XX/XXXX, indicating that a {$2.00} interest charge was added to this closed account on XX/XX/XXXX. Why would a closed account still be receiving statements and a random interest charge of {$2.00}? I am filing this complaint hoping that you will investigate the unfair credit reporting practices for XXXX - XXXX XXXX. as I'm concerned that many consumers are falling prey to their predatory practices of unfair credit reporting and invalid interest charges. They charge accounts extra interest and then report it to the credit bureaus as unpaid or paid late. This is unfair to consumers.
Product: Student loan

All of my loans from XXXX University are forgiven. This is due to the school closing for racketeering. Please remove all student loans from my credit report.
Product: Credit card or prepaid card

Someone open a credit card in my name and I was trying to contact my investigator and his number is always going to voicemail many times I left this XXXX  a message few times and he never called me back at all and I send in documents by email and never got a response back and finally XXXX was rebilled on my account and I was found responsible for the charges and I refuse to pay for it ... I never used the card and I didnt apply for it the guy name is XXXX and his extension is XXXX avant- already did a few chargebacks to the merchants so I dont know why they found me responsible for this
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has already been verified twice as inaccurate and previously deleted. Please remove this from my credit report in orderly manner. This is very frustrating and illegal that this reappeared on my credit report. 

Account : XXXX XXXX XXXX XXXX  ) - {$9000.00}
Product: Vehicle loan or lease

My name is XXXX XXXX and I certify under the penalty of perjury that all forthcoming facts are the truth. Predatory Lender Capital One Auto Finance has been violating federal consumer protection laws and imposing on my rights as a consumer by generating fraudulent retail installment sale contracts and consumer credit contracts on multiple occasions. On XX/XX/XXXX I was misled to sign a fraudulent consumer credit contract under account # XXXX at XXXX XXXX located in XXXX XXXX NJ for a XXXX XXXX XXXX ( XXXX ) ; VIN # XXXX by XXXX sales XXXX as well as Capital One Auto Finance XXXX Again On XX/XX/XXXX I was misled to sign another fraudulent consumer credit contract under account # XXXX at XXXX XXXX XXXX XXXX in XXXX NJ for a XXXX XXXX XXXX ( XXXX ) ; VIN # : XXXX by XXXX XXXX reps as well as Capital One Auto Finance XXXX Both consumer credit contracts are misleading and deceptive because both documents include language that refers to the documents as both " Retail Installment Sale Contracts '' and " Consumer Credit Contracts ''. These documents should only have one title, its contradicting that the document is using language that refers to the documents as being two different types of contracts in one. This is a violation of 15USC1692J : Furnishing certain deceptive forms and 15USC1692E : False or misleading representations. These contracts are also fraudulent because they advertise the requirement of cash down payment which violates 15USC1605 : Determination of finance charge which states that " the finance charge does not include charges of a type payable in a comparable cash transaction ''. Also Capital one auto finance, XXXX XXXX, or XXXX of XXXX did not ensure that I was aware of my Right to RESCIND this consumer credit transaction which violates 15USC163XXXX : Right of rescission as to certain transactions. This predatory company did not provide me any truth in lending disclosure or any appropriate or legal rescissions forms or documentation that ensured that I was made aware of my right to rescind any of these consumer credit transactions/contracts. I am now exercising my right to rescind these consumer credit transactions referenced above and requesting that upon receipt of this notice of rescission the creditor who is capital one auto finance shall return to me within 20 days any money or property given as earnest money, down payment, or otherwise, and shall take any action necessary or appropriate to reflect the termination of any security interest created under the transactions. This includes reporting this account as paid as agreed to all credit reporting agencies. Capital One Auto Finance has 20 days from the receipt of this notice of rescission to abide by federal law and stop violating my consumer rights any further.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never been late on this account. The date of last activity is incorrect. How can this account be charged off and it still showing a remaining balance! Why do all three credit bureaus have different account balances..Credit Bureaus violated federal law by not properly investigating within the required time frame, CFPB fix the accounts XXXX XXXX   XXXX, XXXX/XXXX XXXX, XXXX   XXXX
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time transactions were authorized. However due to delayed posting of charges, and credits, I was unfairly charged overdraft fees. 

This issue appears consistent with recent findings by the CFPB which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX, I have been trying to clean up my report of duplicate student loan reporting. EXPERIAN continues to report unverifiable student loans ; fraudulent accounts, and RE-aged debt by debt collectors. The student loans that were or should have been in FORBEARANCE during school attendance from XXXX to XXXX. As of XX/XX/XXXX all of the loans have been paid in full yet, they still show derogatory unverified student loans and their statuses on my credit file. Loans that have been paid in full are reflected negatively. 
The total loan debt of {$65.00}, XXXX because of their inaccurate reporting have doubled to {$120000.00} that they report negatively even though documentation from the XXXX XXXX XXXX XXXX reports to the contrary. They have a complete absolute mess!!!!!
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, my identity was compromised and the thief attempted to open up a line of credit through Navy Federal Credit Union. The loan application was denied, but the hard inquiry still appears on my credit score. Additionally, the thief used an alias business name on the application and it is still appearing on my credit report. When I became aware of the compromise, I immediately reached out to NFCU and got a decleration of Forgery letter from them. They told me to visit my local branch and submit the document in person. i went to the branch and submitted it via the staff. They said it had went through and that the inquiry would be removed. 

It has been several months and the inquiry still lingers on my profile. I have contacted NFCU customer support multiple times but they keep transferring me between divisions and I never get anywhere. I would like this inquiry removed from my credit reports
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cashapp ( block, inc. ) due to inadequate customer service and unfair practices, which violate consumer financial protection act ( CFPA ). Specifically, cashapp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with the error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

A modification package was sent to nationstar via email on XX/XX/XXXX ( please see attachment ) Nationstar employee XXXX XXXX in Arizona stated that they need 37 days to review the file therefore they were refusing to open and review and start the modification process. We requested a supervisor and XXXX XXXX also stated that the file can not be reviewed as it is less than 37 days before the sale date. The sale date is set for XX/XX/2015.It is very apparent the Nationstar is refusing to review the file and is making excuses to avoid a proper review. In California as long as there is 7 days before the sale date the file can be reviewed as long as all documents are in. Nationstar is failing to abide by California guidelines and it is very obvious they would rather foreclosure on this home rather than attempt to offer any type of assistance to avoid foreclosure. It also appears that the issues the XXXX family has encountered with this company are due to discrimination based on race, ethnicity, language, and national origin. Please also referred to HAMP Handbook XXXX Chapter V Protections Against Unnecessary Foreclosure states the following:XXXX Suspension of Referral to Foreclosure-A servicer may not refer any loan to foreclosure or conduct a scheduled foreclosure sale ( except as provided under Section XXXX ) unless and until the servicer has resolved the Escalated Case in accordance with Section XXXX. XXXX Suspension of Scheduled Foreclosure Sale-When a servicer receives an Escalated Case from a Requestor after a foreclosure sale date has been scheduled and the Escalated Case is received no later than midnight of the seventh business day prior to the foreclosure sale date ( Deadline ), the servicer must suspend the sale as necessary to resolve the Escalated Case. At this time the XXXX family is requesting the sale date of XXXX be postponed so their file be reviewed without any discrimination. They will assert their legal right and name Nationstar as well as the foreclosing trustee as defendants in civil court.
Product: Vehicle loan or lease

I was going for loan of $ XXXX with my TD Bank , on XXXX. 
I already have XXXX $ in checking account of my T.D.Bank account from last one year.Before that I was denied for credit card of T.D.Bank telling that it was decision from back office based whole or in part of information obtained in a report from consumer reporting agency.Again same reason for loan. 
I told that I am doing permanent job and if you need any other document from my employer, then I am ready to do that. 
I also explain that, if you want this money transfer in to C.D. for five year, I am also ready for that. Ultimately, I want to put my XXXX $ in fix & want loan from that.ANYHOW, I want loan from my money in checking account. Then, they refused & same reason. 
I donot understand, why should I am not getting money on my own checking account or on my request for CD. 
Please reply me ASAP.Thanking You,
Product: Student loan

I have been called frequently by a company called XXXX XXXX XXXX XXXX of XXXX XXXX NV. They promised an Obama loan forgiveness program where they could reduce our student loan debt by 50 % over 13 years. They were aggressive in asking personal information like DL number and credit card number. They asked for an upfront payment to get the loan forgiveness started. I do not think they are legitimate after filling out their documents. Can you advise on how to proceed? Is there an Obama care program that reduces student loan debt?
Product: Credit reporting or other personal consumer reports

Fair Credit Reporting Act Tags : Consumer Protection Privacy and XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681-1681XXXX Links XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the XXXX. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The XXXX and Accurate Credit Transactions Act added many provisions to this XXXX primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority.
Product: Checking or savings account

I ordered a check book which was cancelled as lost and I was told that a new check book was sent. They did not give me any particular numbers of any check books. 
They sent me the first ordered check book which I was trying to use and I never received the second check book ( the second one was cancelled much later while I was talking to the representatives. I am still not sure it someone was using the second one which was actually lost ) I was charged for returned checks {$25.00} and {$85.00} because the bank cancelled these two checks. 
I called and message the bank multiple times requesting the refund and pay for bad customer service but they did not want to accept the bank customer service failure. 

Not providing a proper customer service, they not only embarrassed me in front of my client and made me loosing my money but also ( which it the worst part of all these ) made me almost passed the dead line of the important payment