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

FCRA violations : inquires not mine XXXX XXXX  Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX until XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : not my addresses XXXX XXXX XXXX XXXX, TX XXXX Resident type XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, CO XXXX Resident type XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Post office box XXXX XXXX XXXX XXXX  TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX Resident XXXX Single family XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX Resident type XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident XXXXype Single family XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family FCRA violations : not my names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX FCRA violations : accounts are not mine XXXX  Potentially negative Date opened XX/XX/XXXX Balance XXXX XXXX XXXX. 
XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$610.00} written off. 
XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$0.00} Status Closed. {$530.00} written off. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1900.00} Status Account charged off. {$1600.00} written off. {$1900.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$1000.00} Status Account charged off. {$1000.00} written off. {$1000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$840.00} Status Account charged off. {$840.00} written off. {$840.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$110.00} XXXX XXXX account. {$110.00} past due as of XX/XX/XXXX. 
XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$1500.00} XXXX XXXX account. {$1500.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$12000.00} Status Collection account. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$140.00} Status Closed. {$140.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$75.00} Status Account charged off. $
Product: Debt collection

This is not my debt and This is not a refusal to pay. It is a notice that I am disputing Harvard Company 's claim and requesting validation under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g ( b ). Pursuant to the FDCPA, they must ( a ) provide the requested verification before continuing collection activity or ( b ) stop all collection activity.
Product: Credit reporting or other personal consumer reports

These listed items are entirely incorrect and must be rectified. I am aware that the law requires you to complete your investigation within thirty days. I look forward to your response. These items are not accurate and are causing me both financial and emotional distress due to their negative impact. I am the person making this complaint & I give CFPB authority to investigate this claim. The following items should be removed : XXXX XXXX and XXXX XXXX. Please remove these fraudulent accounts ASAP.
Product: Credit reporting or other personal consumer reports

My account with with those 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 in those account to be removed.

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.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I was solicited multiple times to request a credit line increase. I submitted to credit line increase on XX/XX/2022. I was provided absolutely no disclosures at any time stating a hard inquiry would be initiated for this process. Ive requested multiple credit line increases with other cards with no hard inquiry. It is not a standard practice whatsoever. I absolutely did not agree to let XXXX run a hard inquiry under any circumstances in writing or electronically. This inquiry was done without my express permission. I carry over XXXX in revolving credit with a {$0.00} balance across XXXX cards with XXXX perfect ( XXXX ) XXXX XXXX XXXX credit scores. I would never have agreed to a hard inquiry and I did not do so in this instance. This is a fraudulent inquiry without my express permission. I also put a 1 year fraud alert on all three credit bureaus. No one required verification to allow this inquiry as required.
Product: Vehicle loan or lease

On XX/XX/XXXX, I purchased a XXXX XXXX XXXX from XXXX XXXX and quickly realized they knowingly sold me a defective vehicle. From the start, their business practices felt deceptive. The car was advertised at {$13000.00} plus tax, but after running my credit, the price was revealed to be over {$16000.00} before title and registration feesbringing the total to over {$17000.00}. This extreme markup was not disclosed until it was too late. I paid a {$1500.00} down payment and was told my monthly payment would be {$410.00}, only to later discover it had increased to {$490.00} without explanation or notification. 

Before leaving the lot, I noticed a warning light on the dashboard. The dealership reassured me it was just tire pressure due to the cold weather. Within two days, multiple warnings appeared about electrical malfunctions, along with a high-pitched noise that can not be turned off. This noise is distracting and makes the car unsafe to operate. I immediately informed the dealership, but they told me to bring the car back, knowing I live over 100 miles away and that the vehicle wasnt safe to drive. 

When contacted by the lender, the dealership pressured me to lie during the loan interview. They coached me to falsify details about the down payment and the cars condition, promising they would fix the issues if I complied. I initially told the truth, but after repeated calls and messages, I reluctantly redid the interview as instructed. Once the loan was approved, they stopped responding to my concerns. 

The cars condition has worsened, and the dealership refuses to assist unless I pay {$700.00}. They are withholding my title and registration, which I recently discovered were never properly filed. They also failed to transfer my license plate, risking suspension of my drivers license. 

I feel harassed, deceived, and exploited. The vehicle is unsafe, and I refuse to continue investing in repairs for a car Ive had for less than 90 days. I request to return this faulty vehicle and seek a fair resolution from this dealership, whose practices prioritize profits over ethics and customer safety.
Product: Money transfer, virtual currency, or money service

I sent a wire transfer from my savings account at Wells Fargo through online banking on XX/XX/2021 in the amount of {$5000.00} to a title company to assist my daughter with funds to close on her mortgage loan. Wells Fargo also charged me a {$30.00} wire transfer fee. The wire transfer was never received by the recipient bank. Wells Fargo has not contacted me at all to say if there was a problem or if they needed more information. Wells Fargo is just holding my funds. I have spent many hours on the phone with customer service, online customer service, online claims, the wire transfer department, customer advocacy and even went into a bank branch. I have sent several emails to various departments that I thought might be able to help. I have been informed that Wells Fargo is holding my money but none have been able to resolve this problem or have the funds either sent to the intended recipient or returned to my account.
Product: Debt collection

I started receiving relentless calls to collect debt owed from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I did not have a choice to drive myself to the appointment. They did not tell me it was going to cost {$950.00}. I could have cancelled the appointment. But no instead blindside me. So on XX/XX/XXXX of XXXX, I agreed to and paid {$400.00} to settle the debt. I needed documentation of this for my employer, so I reached out multiple times to try to request a letter with proof of settlement. After hours on hold, I finally got someone to send me a letter stating the account balance is {$0.00}. This was able to satisfy my employer requirement. Now, 6 months later they are again calling me relentlessly to demand I pay this debt again. And they must have reported it as a collection on my credit report because my score went down over XXXX points. This is with Phoenix Financial Services. They are fraudsters. They XXXX up my credit for a debt I already paid. They are XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, XXXX XXXX XXXX, should be remove from all reporting agencies, it hasn't been remove from experian
Product: Credit reporting or other personal consumer reports

Dear, CFPB I am writing a Follow-Up Complaint Regarding Equifax 's Lack of Response to Previous Dispute I submitted a complaint regarding an inaccuracy on my Equifax, XXXX and XXXX credit report. On XX/XX/XXXX I submitted complaint XXXX, which has not been addressed adequately by Equifax, today is XX/XX/XXXX and I have yet to receive a response through the CFPB portal as requested. 

The inaccuracy regarding the reporting of my payments remains uncorrected. Equifax 's lack of response and action not only affects my credit standing but also violates the Fair Credit Reporting Act ( FCRA ) requirements to maintain accurate and complete credit information.
Product: Debt collection

They are auto dialing and leaving no message. I called the number back and they were wanting me confirm who I was before they would tell me anything. Looking for address, XXXX, Social Security first of all I will not give out this info without knowing who and why. After calling the number I found out it was XXXX and as today I have not received any letters in the email in regards to why they would be calling. Sounds fishy to me.
Product: Checking or savings account

I had just payed rent XXXX first and had {$24.00} in my checking account. I got a fee for collecting a debt and they would have overdrawn my account if I had not already disabled overdraft payments. They charge {$100.00} fee. I closed my account, they should not have charged me at all as I had only {$24.00} and none of it would have ever gone to the debt collector. I was a former XXXX XXXX customer whose bank was acquired by US Bank. Do not use or trust US Bank.
Product: Credit card or prepaid card

I paid my payment on the due date of XX/XX/2020 & received a confirmation for it being received on the due date Then was charged a past due fee of {$26.00} on the same day & they wont remove it I originally had paid this thru my Bill pay with my banking institution & there was a glitch in their system so when it didnt go thru paid it directly with the card companys site
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached is an identity theft report with all fraudulent inquiries that are being reported to my Equifax credit report. 

Fraudulent Equifax Inquiries XXXX XXXXXXXX XXXX  XX/XX/2022 XXXX XX/XX/2022
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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX protected consumer rights to privacy and confidentiality under 15 USC 1681.

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: Debt collection

This company is making a fake charge under my name and has it on my credit report and accused me of having knowledge of this agreement where I owe {$2000.00}
Product: Checking or savings account

Federal Government must act fast to pass a law on how the Financial Institutions must disclose the Interest Rates they pay on Savings and CD 's. 
It is very deceptive when institutions like Capital One advertise their Interest rates on savings and CD 's published as APY and not APR. 
APY is a function of time period frequency, and the Average consumer is not sophisticate enough to know the difference between the two rates.

The True Interest Rate must be advertised in APR, so that Consumer can compare XXXX to XXXX in selecting a Financial institution and a product to invest. 

Please use CFPB influence and act fast to get this law pass and implemented ASAP. 
Look forward to hearing your positive response on this matter promptly. 
Thank you. 
XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Experian is reporting a charge of account from XXXX XXXX XXXX. This alleged account is a showing that it was purchased by another company. If this alleged account was purchased by another company it no longer belongs to XXXX XXXX. This is deceptive and unfair credit reporting practices. The FDCPA has provided framework to protect consumers from these types of practices from credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Report and noticed that I had XXXX late payment on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy according to the law. I have never been on payments for the account : XXXX XXXX Account XXXX XXXX. Please investigate and provide proof with statements showing that these payments were ever late. If proof cant be provided, I demand these payments updated to On Time as they should be as I was NEVER Late. Thank you!
Product: Credit card

The response that Citibank provided to CFPB complaint # XXXX does not address the issue. They provided a boilerplate response that ignores that fact that overheating, swelling and XXXX XXXX are caused by a manufacturer 's defect that would have been covered by the manufacturer 's warranty if it were still in force. Overheating, swelling and explosion of XXXX  are not " normal wear and tear. '' Since these defects would be covered by the manufacturer 's warranty, they should be covered by the Citi Visa extended warranty. 

See the documents provided with complaint XXXX for further information.
Product: Credit reporting or other personal consumer reports

TODAY I NOTICED UNAUTHORIZED LOANS ON MY CREDIT REPORT THAT I DOD NOT AUTHORIZE OR HAVE KNOWLEDGE OF. I STARTED TO DISPUTE WITH ALL XXXX CREDIT BUREAUS. THE AMOUNTS ARE OVER XXXX XXXX. I WANT THEM REMOVED WITH ANY HARD INQURIES FROM ALL XXXX CREDIT BUREAUS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want them to come off of my report I am only a authorized user who was removed. And I want them off my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 - sent email to RESURGENT CAPITAL SERVICES To date, I have records of factual documentation where RESURGENT CAPITAL SERVICES has made absolutely no effort to rectify this situation and has continuously and very aggressively acted in bad faith to breach my personal and private data. 

Please see attached.
Product: Checking or savings account

So I found out Oregon has a one time XXXX assistance check well mine went to a debit card bank account I DONT USE called current I reported numerous charges by XXXX  which I own a XXXX XXXX phone not an XXXX  XXXX they spent 6 days on my dispute and said I did all the charges I explained to them how an old phone was stolen months ago and back they they were asked to shut my account down they didn't. So now I lost out on almost the full XXXX because they didn't properly check. I called police still waiting for a call back from them for a case number but I don't even have much to go on. Current card company said they could reissue me a new virtual card. That was all that was done the charges total tons of money and in order to file a dispute I need new evidence which I have non they refuse to tell me where my account is logged into or any other important information I might need. They refuse to file an appeal with no new evidence but yet won't give me any information. That was to pay my back rent which I have been fighting the eviction for almost a month and nothing was done to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have accounts on my credit report that asked to be removed from my account. I sent 1st letter they verified it. I sent second letter and they verified again. I know they are lying .. So how could they verifying with my accounts being froze. Also there are 2 collection agencys collecting a Dept but both agency 's are using the same account #. It's is again code for 2 collector to collect a the same Dept. They are in violation of sec 609 of my credit report and many more. I have documentation of ever step I took and response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I'm XXXX XXXX submitting this complaint reference to XXXX XXXX XXXX. I've tried over and over to dispute inaccurate information. I have proof from XXXX XXXX regarding the unhealthy living environment me and my family was in. In addition to this I will be filling a complaint with the state about this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested multiple times the deletions of the following items on my credit report because of inaccuracies and missing information : XXXX  Account # : XXXX Balance : {$410.00} XXXX XXXX Account # : XXXX Balance : {$1000.00} XXXX XXXX Account # : XXXX Balance : {$250.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # : XXXX Balance : {$520.00} XXXX XXXX Account # : XXXX Balance : {$0.00} XXXX XXXX ( XXXX ) Account # : XXXX Balance : {$210.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # : XXXX Balance : {$3800.00} My rights as a consumer have been violated under the FCRA because I have NOT heard ANYTHING from the bureaus regarding my disputes and I have sent dispute letters for more than a YEAR at this point.
Product: Checking or savings account

I have multiple XXXX unauthorized charges on my Citibank Debit card. I calle dand opened the dispute and received affidavits to fill out. I filled them out and then started getting additional letters stating they did not receive the information requested, when in fact I did send everything back. I called two times and spoke with Supervisors stating they would take care of the miscommunication. I explained I don't have any additional information to provide. You can only dispute a charge with XXXX through online forms that require trip details plus my debit information including expiration date. I don't have detail to provide because I didn't take the trips, which is where my dilemma. Citibank keeps closing my dispute and sending me the same letters I've called in about and spoken wit Supervisors about stating I didn't provide info. I'm in an endless loop of letters. I want Citibank to investigate the disputes. The info I've provided is all I have. I have nothing else to provide. Can someone truly investigate these charges fully. I did not take these trips and don't want to be penalized for XXXX sharing my debit card info.
Product: Credit card

informed them that they sent a card that wasn't applied for on XX/XX/2023. they said to call a credit agency, so that was tried and i decided to take this route after that company XXXX XXXX said to take it up with the creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   account is showing  XXXX  days past due as of   XXXX   XXXX   and every month before that. This account has been paid for since  XXXX . This is affecting my credit of it is showing current past due.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act XXXX XXXX XXXX XXXXXXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as highlighted in the CFPB 's recent administrative proceeding
Product: Credit card

I am CapitalOne credit card user and regularly make payments. Last month XX/XX/2023, I was trying to make a payment on my account, and the CapitalOne online payment system denied my payment stating " Today is a holiday and you can not post any payment '' so I was forced to schedule a payment on next day XX/XX/2023 which I did. But, later CapitalOne posted a {$25.00} late payment and {$34.00} interest charges on my account for XX/XX/2023. When I called customer service and requested to fix this error due to the issue with their system. They refused to withdraw the interest charges. I explained to them that your system did not let me make a payment on holiday but charged me interest on that same day, which is unfair to consumers, but the customer service supervisor XXXX refused to withdraw the charges. Additionally, when I asked to speak to her manager, she denied it and stated that she is the highest authority, there is no other manager above her, and above her is the CapitalOne management that doesn't talk to anyone.