23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I use d Coinbase to  buy  XXXX   XXXX  for a total of {$430.00} on  XXXX   XXXX ,  2017 . I used their mobile application to monitor the health of the coin to see when the right time to sell was. On  XXXX   XXXX  I sold my  XXXX   XXXX  for {$680.00}. I have yet to receive the money into my account and have tried to reach out to the company via their support email to see when it will be delivered. They keep saying on their site how their running into issues and responses times are significantly delayed . Twelve days later or two business weeks later I still have yet to receive my money or an email from them.
Product: Credit reporting or other personal consumer reports

I was not living in the united states for a long time and just came back on XXXX, 2024 and noticed theres is an auto loan account reporting in my credit report which i dont recognize and i demand this account must be deleted within 30 days of receiving this notice. Please follow the law and deleted ASAP.
Product: Mortgage

My husband and I attended a NACA workshop over a year ago. We were assigned to a counselor to begin our journey to homeownership. We spent many months submitting all required paperwork to our NACA file, paying for membership dues and paying for credit reports. We were expecting to get qualified by XX/XX/2018, as indicated by our assigned counselor, XXXX XXXX, in XXXX, NC. When XX/XX/XXXX arrived, our counselor missed our scheduled appointment ( which was to qualify us for a home loan ) and after calling and sending numerous times, I finally reached her and she was very rude, unprofessional and lied several times about our scheduled appointments and missing documentations. She made excuses that documents were missing from our NACA file, even though we submitted every document she requested in our action plan, to our file and to her email. Finally we requested to speak with her supervisor and even requested another counselor. No one contacted us. I sent numerous emails to her supervisors complaining about her behavior and requesting assistance with removing her off our case and assigning us a new counselor so our case could move forward and we could obtain homeownership before our rental lease expired. Needless to say, several days passed with no response. I finally called member services and requested a new counselor, since our previous counselor was unassigned to our case. The lack of communication, missing paperwork, a rude and incompetent counselor and numerous delays have caused many hours of frustrations for us. We would like more oversight and advocates who are willing and ready to assist members obtain homeownership in a timely manner and knows how to demonstrate excellent customer service.
Product: Checking or savings account

Hello, I activated a Payback Reward on my XXXX XXXX XXXX  that said if I made a {$75.00} purchase at XXXX XXXX XXXX by XX/XX/XXXX, I would receive a {$50.00} credit. I made the {$75.00} purchase on XXXX, and XXXX registered the offer as confirmed and pending payout on XX/XX/XXXX. XXXX did not pay out the offer on XX/XX/XXXX, and my secure messages to them since then have not worked to process the payment. I have had similar issues with Netspend not paying me a Payback Reward and a CFPB complaint was ultimately what resolved it. I am asking again for the CFPB to help me get credit. Thank you
Product: Vehicle loan or lease

Violation of 15 U.S.C. 1662 and Applicable Consumer Protection Laws Truth in Lending Act ( TILA ), 15 U.S.C. 1666, regarding a vehicle purchased on XX/XX/2022, at your dealership, XXXX XXXX XXXX XXXX. The transaction was a consumer credit agreement, involving a down payment of {$7000.00} on the purchase. However, this down payment was not properly applied to my loan as promised, resulting in financial injury and fraudulent misrepresentation Additionally, it has come to my attention that your dealerships requirement of a {$7000.00} down payment for my transaction violates Regulation Z ( 12 C.F.R. 1026 ), as such payments must be consistently applied to all customers in similar transactions. Selectively demanding down payments violates federal prohibitions against discriminatory or unfair lending practices under the Equal Credit Opportunity Act ( ECOA, 15 U.S.C. 1691 ).

Violations of Federal Law Misrepresentation in Financing Terms ( 15 U.S.C. 1662 ) : The dealership falsely represented the financial terms of this transaction by stating that the {$7000.00} down payment would reduce the total cost of the vehicle. This was a violation of 15 U.S.C. 1662
, which prohibits false or misleading statements in credit advertising.

Unfair or Discriminatory Lending Practices ( ECOA, 15 U.S.C. 1691 ) : Under the Equal Credit Opportunity Act, creditors must ensure fair treatment for all borrowers. Selectively requiring a down payment for my transaction while not requiring similar terms for other customers constitutes a discriminatory and unfair practice.

Breach of Duty Under Truth in Lending Act ( TILA, 15 U.S.C. 1601 et seq. ) : Your failure to disclose accurate terms and properly apply the {$7000.00} down payment to the loan balance constitutes a material violation of TILAs disclosure requirements, specifically regarding the accurate computation of the finance charge and total cost of the loan. Unfair and Deceptive Practices ( Federal Trade Commission Act, 15 U.S.C. 45 ) : T
he dealerships conduct qualifies as an unfair or deceptive act under the Federal Trade Commission Act, as the terms promised to me during the transaction were knowingly false and designed to defraud me.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I looked at my consumer report. I sent a letter to Transunion on XX/XX/XXXX asking them to reinvestigate these accounts : XXXX. Account Name : XXXX XXXX XXXX - Account Number : XXXX, XXXX. Account Name : XXXX XXXX XXXX - Account Number : XXXX, XXXX. Account Name : XXXX XXXX - Account Number : XXXX XXXX. Account Name : XXXX XXXX XXXX - Account Number : XXXX, XXXX. Account Name : XXXX XXXX - Account Number : XXXX, XXXX. Account Name : XXXX XXXX - Account Number : XXXX, XXXX. Account Name : XXXX XXXX  XXXX - Account Number : XXXX, XXXX. Account Name : XXXX  - Account Number : XXXX, XXXX. Account Name : XXXX XXXX - Account Number : XXXX, XXXX. Account XXXX : XXXX - Account XXXX : XXXX, XXXX. Account XXXX : XXXX - Account Number : XXXX, XXXX. Account Name : XXXX XXXX XXXX  - Account Number : XXXX, and here is my tracking number : XXXX. In XX/XX/year> they sent me their investigation and said these accounts are complete and accurate, I looked at my report and noticed everything is still the same, and according to 15 USC 1681i5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
and according to 15 USC ,1681eb they are supposed to ensure this b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. And according to 15 USC 1681s-2 this is suppose to happen ( A ) Reporting information with actual knowledge of errors 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( i ) the information is, in fact, inaccurate Transunion really did not conduct a reinvestigation, they lied on an official document saying they did something they did not do and I have evidence to prove my case.
Product: Credit card

I was on XXXX attemting to make a purchase of a pair of shoes when I noticed that there was a link from AMEX on XXXX stating that if I qualified and purchased the shoes from AMEX that I would receive a XXXX credit towards the purchase. After I applied for the AMEX XXXX and was qualified I was brought back to XXXX to complete my purchase. The transaction went through. The next day I was notified that the transaction was declined by XXXX as Amex would not allow the the transaction to go through. I then called XXXX and spoke with XXXX who verified my name address and the last XXXX digits of the instant card number I received. she then assured me that my transaction would go through. 
The next day I was sent an email from XXXX stating that the transaction has been declined by Amex and that I should call them. I called AMEX and asked why I was declined and they said because the XXXX transaction does not meet with their terms and conditions on an instant account. 
Why would AMEX and XXXX advertise on their website an incentive to get the AMEX when they wont even honor a transaction from them? Why was I brought back to XXXX after I qualified for an instant account to complete my purchase if it was ineligible? I would not have applied for a card that would do nothing for me with reference to the transaction. This is a clear XXXX violation. When speaking with AMEX I had referenced XXXX several times and all they could do was apologize. This is wrong and consumers should not sign up for this card if AMEX can not honor the transaction on the Website it was advertized on.
Product: Checking or savings account

Dear Bureau of Consumer Financial Protection Representative : This is a formal complaint against US Bank. 
With confidence and based on facts, I hereby state that US Bank is willfully engaged in discrimination and bias against me. I believe it to be based on National Origin, Color, Age and/or misinformation contained within their files. 

Case and point : XX/XX/XXXX - In person at US Bank branch located XXXX XXXX XXXX XXXX XXXX XXXX, CA, submitted a personal loan request in the amount of {$5000.00} at a fixed 48 month term. 
The US Bank representative entered my information, and in just under 20 seconds advised me of a negative decision. This can only be explained by upfront disparaging information visible only to the bank associate. A loan application even with todays technology can not be processed at that speed without proper consideration & underwriters credit decision. 
On a later date, XX/XX/XXXX my loan request was professionally and positively processed by XXXX XXXX XXXX. This entity did everything by the book, taking its time to process. 

XXXX  XXXX - During a vehicle purchase at XXXX XXXX dealership within the county of XXXX XXXX, a request was sent out to multiple financial institutions for credit. Out of many responses, US Bank was the only one,  who not only declined, but came back with negative feedback ; our sales person specifically mentioned the unusual and unnecessary comment by the US Bank. This is the bank that has our entire familys financial history. The financing was picked up by XXXX XXXX XXXX  at a very attractive rate. 

XX/XX/XXXX - During an online session at US Bank web site, while looking at my profile, I discovered it stated citizenship of XXXX ; it should have been United States. 

XX/XX/XXXX. Request for a Line of Credit in the amount of {$1500.00} was left answered for over three days. Had to make numerous calls just to find out the decision The answer was a foregone conclusion Declined. 

My family members and myself have been with US bank for nearly a decade, thousands of dollars have passed through our accounts and currently in saving accounts, and yet I am singled out each and every time. This is either with negative information entered by an employee or the bank itself acting on such information from another source. 

My credit is not perfect, XXXX recession and loss of income brought hardship and difficult times on my family. Now a decade has gone by, yet this bank brings up any and all negative information to any potential lender. I simply dont understand the reasoning behind this personal vendetta and blacklisting. 

Its my sincere hope that Bureau of Consumer Financial Protection will look into this matter and come to a fair conclusion. 

Please feel free to contact me for any additional supporting documents needed to verify my complaint. Looking forward to your findings. 

Thank You
Product: Credit reporting or other personal consumer reports

A few months ago, I examined my credit report and discovered inaccuracies regarding the accounts : 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  ). These is a breach of my rights. I disputed these errors directly with the XXXX credit bureaus and the creditors, but only received generic feedback. As a result, I am filing this complaint based on my investigation. The company is violating sections of 15 USC.
Product: Mortgage

I tried to refinance my loan to take advantage of lower rates. I was always timely in my responses and providing information or signatures. Most of the requests that I received were replied to within 24 hours. The loan however took so much time on the processor 's side that at the end of it we were pushing the closing right up to the rate lock expiration date. I received my disclosures on the Friday before my closing which was scheduled for XXXX on the following Thursday. On Wednesday, I went to the bank and received a certified check for the closing. I then received an email at XXXX ( 1 hour and 18 minutes prior to closing ) on Thursday with a new disclosure increasing my closing costs by ~ {$1500.00}. I did not have funds in my account to accommodate this new amount and since it was after hours there was nothing that could be done at this point. The title agency was unable to accommodate a new closing date prior to the rate lock expiration date. This means I am not able to close on this loan which means I have to lose any money that I have already put out for credit scores and appraisals. I am extremely upset at how long the loan processor took to process this loan and that I did not receive the disclosure with the final amount within the 3 business days that are required. I would like to the bank to be held accountable for this and refund the fees that I had to pay for this loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 


4. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

5. Identity Theft XXXX BANK Account XXXX : XXXX This is not mine. 

6. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT. AFTER SPEAKING WITH THE POLICE I SENT IN A LETTER WITH AN IDENTITY THEFT AFFIDAVIT ALONG WITH 3 FORMS OF IDENTIFICATION TO EQUIFAX ON XX/XX/2021. I sent the letter over 30 days ago but I STILL DONT HAVE A RESPONSE FROM EQUIFAX. EQUIFAX CONTINUES TO REPORT THESE FRAUDULENT ACCOUNTS IN VIOLATION OF THE FCRA LAWS. I WOULD LOVE FOR EQUIFAX TO COMPLY AND CEASE TO REPORT ACCOUNTS ON MY PROFILE THAT WERE OPEN BY THE THEFT AND NOT ME.
Product: Credit reporting or other personal consumer reports

TRANS UNION CREDIT BUREAU IS REPORTING A NEGATIVE ACCOUNT FROM XXXX XXXX SHOWING THAT {$5700.00} IS OWED. THIS ACCOUNT NEEDS TO BE INVESTIGATED AND REMOVED IMMEDIATELY.
Product: Debt collection

After careful consideration of my records, I have serious concerns about the validity of this debt and the manner in which it's being collected. 

First and foremost, I don't recall ever agreeing to or signing any contract related to this alleged debt. As you're surely aware, a legally binding agreement typically requires the consent of both parties, which I don't believe occurred in this case. 

Furthermore, I'm troubled by the lack of proper validation for this debt. The Fair Debt Collection Practices Act ( FDCPA ) outlines specific steps for debt validation, and from my perspective, these steps haven't been followed. This oversight raises questions about the fairness and legality of your collection practices. 

I'm also concerned that information about this disputed debt may have been furnished to credit reporting agencies without my agreement or proper verification. This action could potentially harm my credit standing unfairly. 

Given these issues, I'm formally requesting that you provide comprehensive validation of this debt, including : 1. A detailed breakdown of the alleged debt amount 2. Documentation proving your legal right to collect this debt 3. Confirmation that the statute of limitations hasn't expired Until you can provide this information, I respectfully ask that you cease all collection activities related to this alleged debt. This includes pausing any reporting to credit bureaus while this matter is under dispute. 

I want to emphasize that I take my financial responsibilities seriously. However, I'm equally committed to protecting my rights as a consumer. The FDCPA provides important protections against unfair debt collection practices, including potential compensation for violations. While I'm not making any specific claims at this time, I do want to ensure that my rights under the FDCPA and other relevant consumer protection laws are fully respected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute accounts in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXXXXXX 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 card or prepaid card

Charges for air travel with XXXX XXXX were billed to my account. XXXX was round trip New York to Florida to XXXX XXXX. I did not make those charges and have never used XXXX air. Have never been in Florida or XXXX XXXX. Credit card company ( USAA ) states that merchant has provided evidence that supports that I made the charges but has not provided that information to me despite several requests. There were 3 charges. XX/XX/2022 for {$840.00} and {$920.00}. Neither was reported to me as a possible fraudulent charge by USAA. Customer service at USAA told me that the threshold for notifying me for a possible fraudulent use of my card is {$1000.00} but they have notified me in the past for amounts much less than that. A third on XX/XX/XXXX was for {$1200.00} and was reported to me by USAA that night. I told them it was a fraudulent charge. I also told them that the XXXX charges were fraudulent the next day when I discovered them on my online statement. That credit card has been terminated and new ones issued. I have placed a credit freeze with the three main credit agencies and have filed complaints with my local police department, the FTC, and the Wisconsin XXXX XXXX XXXX XXXX. I have changed passwords on my various financial accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, It seems that some mortgage companies have been " inquiry happy '' and have been pulling hard inquiries every month! 

I have XXXX hrad inquiries from " XXXX '' for dates of XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX I also have XXXX hard inquiries from XXXX XXXX XXXX on XX/XX/XXXX ; and XX/XX/XXXX. 

I have sent multiple letters to these folks and have not received ANY response. 

Could you please force them to remove these hard inquiries from my credit report? 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current. 


2. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXXXXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current. 


3. there is some inaccurate information reporting XXXX Account Number : XXXX Delete this account. 


4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Delete this account. 


5. there is some inaccurate information reporting XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report. 


7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 


8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

FCRA 605B demands the eradication of any incorrect accounts from my credit report. These accounts inaccurately represent my credit activities. Compensation of XXXX is warranted for each incorrect account listed on my credit file.