23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting 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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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: Checking or savings account

Ive been banking with Wells Fargo for two years.

Seems like money is being transferred and put on another shelf. Ive tried to look into this with bankers many times only to be told Im causing a scene when Im asking about it and threatened to have me removed from the building.

Ive noticed several things including purchases that come out same day and then come out a few days later as well. The actual day of purchase is then removed and covered up.

I have record of them charging me over {$1000.00} for purchasing a sheet of checks.

I have purchases for apps I dont use.

Many times Ill notice previous places Ive gone to and purchases seem to revolve. 

I closed my other account recently due to insurance payments getting doubled and taken out on a reaccuring state. Its draining my account. 

I just caught them and disputed the charge successfully. But was not credited the late fee assessed. 

On my last web account the dispute button was disabled so I had to walk into the store. The bankers dont fix the errors. 
My phones being managed. While making this report I had to change my password just to re log in and make another dispute. 

When I consider the big picture it doesnt seem like the totals are accurate. Money coming in and money going out are offset. I received a loan and part of the money was transferred from my business account. Its hard to keep track of the details this way. 

Please see attached some specific details and evidence ...
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second time writing you to update my personal information.

15 USC 1681 ( a ) ( 4 ) There is a need to ensure thatconsumerreporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for theconsumers right to privacy I demand the deletion of all personally identifiable information from my consumer credit report with the exception of : My Full Legal Name : First & Last Name XXXX XXXX My Address : Address, City, State Zip XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 

My only Phone number is ( xxx ) xxx-xxxx Delete any and all other phone numbers. 

I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 

Delete all information in the employer section. 



My true and only name is XXXX XXXX Remove any other reported names immediately!! 
My true and only address XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXRemove any other reported address immediately!! 
My true and only Date of birth is XXXX add the full date and remove any other reported dates immediately!! 
My true and only SSN isXXXX Remove any other numbers you may have on file!! 

Immediately delete this personal data below and delete any and all accounts attached to this inaccurate data! 

These items are reported inaccurately : NAMES : XXXX XXXX XXXX XXXX XXXX XXXX Prior Residency : XXXX XXXX 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 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 Current Residency XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Birth XXXXXXXX XXXX XXXXXXXX CURRENT EMPLOYMENT XXXX XXXX PRIOR EMPLOYMENT XXXX XXXX XXXX XXXX XXXX XXXX Current Position XXXX XXXX Prior Position XXXX XXXX SSN XXXX XXXX
Product: Credit card or prepaid card

I rented a car from XXXX based on a quote of {$1000.00}. However, I was charged {$1300.00}. I was overcharged by {$290.00}. Capital One is refusing to help me get the charge reduced by {$290.00}.
Product: Checking or savings account

Was charged XXXX dollars by XXXX for a hotel room that was supposed to be at XXXX XXXX New York tried to cancel 20 mins later on XX/XX/XXXX because it was in XXXX and didnt have a passport, XXXX said I had to open dispute with my bank ( PNC ) which I did for 90 days and was told if merchant does not respond by 90 days I would get my money back I opened a claim XX/XX/2023 and it was denied XX/XX/2023 because they couldnt reach merchant
Product: Vehicle loan or lease

This account is closed but still shown on my report. Credit acceptance {$15000.00}, XXXX XXXX
Product: Debt collection

In XXXX I was solicited to use blank checks mailed to me by Chase Bank for a 2 % fee % 0 % interest thru XXXX. I accepted the but first called cust svc for CLARIFICATION AND CONFIRMATION of the offer. I was told I could write a check for 2 % fee only and no additional information.. This call was made SPECIFICALLY, so as not to be negatively surprised ... The rep DID NOT VERBALLY TELL ME THAT MY CHARGE CARD BALANCE WOULD NOW BE CONSIDERED A " REVOLVING " ACCOUNT.Previously I ALWAYS paid the bill in full each month! My established pattern of payment was to NEVER pay interest and ALWAYS receive monthly rewards. The consequences, therefore of my acceptance were deceiving and misleading. The verbal OMISSION to CLARIFY the COMPLETE offer, to me, was of CRIMINAL INTENT, in my opinion! The wording states that " unless you pay in full, every month, you will pay interest '' Why, and how would I pay the borrowed {$12000.00} in full, the month after I already paid {$240.00} fee, in full, for the useage of the cash for XXXX months at ZERO % ..?????? This CLEARLY is/was a " bait and switch '' tactic ... deplorable, sinister, and attempted EXTORTION ... .but LEGAL! Supervisor XXXX XXXX defended this trickery and would not cancel the {$18.00} interest charged. She advised me not to use the card until I finished paying off the loan TO AVOID ADDITIONAL INTEREST PAYMENTS ... I sent a CERTIFIED letter to Chase XXXX XXXX protesting this deception. I have NEVER received a response.. I paid the loan in full within XXXX months, less accumulated interest, which is now {$380.00} They are now charging me {$39.00} per month " late '' charges in addition to additional interest! .Amazing the deception and lies to the consumer ... .. '' 0 % '' for XXXX months for only 2 % fee ... .Additionally the wording of their offer is ambiguous at best ... '' This offer includes a fee of 2 % " of the amount of each transaction '' ... .. '' Once you take advantage of this balance transfer offer, you will have a new balance on your account. This means interest will be charged on new purchases you make with your credit card, unless you pay the entire balance, including any transferred balances IN FULL EACH MONTH ... There never was a BALANCE TRANSFER, but a " TRANSACTION, ONLY '' ... therefore the balance transfer commentary NEVER APPLIED to me! In conclusion, in retrospect, this offer was clearly designed to LEGALLY EXTORT money from unsuspecting customers who were amazed at the generosity of the bank ... this practice is UNFAIR, and criminally deceptive at the minimum ...
Product: Vehicle loan or lease

Instructions given to the indenture trustee XXXX XXXX XXXX XXXX XXXX regarding account XXXX for PORSCHE FINANCIAL SERVICES have not been executed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Previous complaint closed and I missed the response deadline. XXXX 
This issue has still not been resolved with Experian. Creditors and credit monitoring services are still unable to obtain reports and scores for the purpose of obtaining credit. I have since purchased a home, which was daunting not being able to obtain my credit profile from Experian. This matter has impacted my personal and business credit. I will provide my new address and submit utility bills as proof of address along with a copy of my photo ID.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to open a bank account for my business but a account from SunTrust comes up under my info and it's not mine that needs to be disputed
Product: Credit reporting, credit repair services, or other personal consumer reports

Well to be honest I was sent to XXXX XXXX XX/XX/XXXX. Came home XX/XX/XXXX. So come to find out someone use my name n info on a student loan n put a water bill in my name. Now I gave my XXXX XXXX info to the XXXX but still nothing happen. N this is hurting me.
Product: Payday loan, title loan, personal loan, or advance loan

I applied for a loan and was given approval for a XXXX title loan at 23 % apr. While speaking with their representative, they said the loan amount was higher and only offered me a loan with a 30 % interest rate. This is bait and switch, and a prohibited practice. I want to file a complaint against this company for unfair lending practices.
Product: Credit reporting or other personal consumer reports

XXXX XXXX told me they were not going to run my credit. I looked on my account and multiple banks I never gave Authorization to run my credit did. 
XX/XX/2024, my credit was run by XXXX XXXX followed by these companies. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I contacted the debt collector on XX/XX/2017 to try and work out a payment plan. The amount that was asked for was too high for me to pay. The agent mentioned that I had twenty four hours to come up with an answer or he will tell the original private loan company ( XXXX ) that I am not willing to work with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

hard credit inquires were submitted to my account with out my permission on the following days XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This credit bureau is running my personal information such as court records and background checks without my consent. This information that is in my file is erroneous and I want it removed immediately. I do not have a criminal background!
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. 

XXXX : XXXX, XXXX : XXXX, XXXX XXXX XXXX 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 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: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX turns over unpaid Super Speeder tickets to XXXX XXXX XXXX XXXX for debt collection. The mailed notification of the Super Speeder fee ( {$200.00} plus a {$50.00} reinstatement charge ) -- a separate action from the initial traffic citation -- does not disclose this practice to the consumer. Instead, the notification gives consumers a choice : pay or have your license to drive in Georgia suspended. Because I was away from my home address, I received the Super Speeder fee notice dated XX/XX/2023 on XX/XX/2023. I had promptly paid the initial ticket of {$640.00} on XX/XX/2023. I opted not to pay the additional Super Speeder fee, since, as a New York resident, I do not intend or need XXXX XXXX in Georgia ever again. Subsequently, I received the bill from the collection service dated XX/XX/2023. 

I notified the collection service both in writing on XX/XX/2023 and by phone on XX/XX/2023, as well as by email on XX/XX/XXXX, that I was disputing the debt. The collection service noted the dispute but warned me that I might still be liable for the payment when I renewed my New York license. I am also concerned about consequences to my credit rating. 

I believe that the State of Georgia gave me a choice, which I exercised, not to pay and to incur the consequences. The selling of my debt to a collection agency is in violation of the Fair Debt Collection Practices Act and represents extortion of an invalid debt. I have contacted XXXX XXXX, Deputy AG in Georgia as well as the FTC about desisting from this practice. At the least, Georgia must notify drivers through highway signs ( as is done in New York ) about liability for additional fines, and disclose on notices that failure to pay may affect credit ratings of drivers. 

How do I insure that adverse results of this unfair debt collection practice do not affect other future transactions ( credit rating, license renewal in NY )?
Product: Credit reporting or other personal consumer reports

My credit report for Experian hasn't updated since XX/XX/year>, I've called in and spoke with a rep 3 time, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX XXXX. Each time I was told that my address didn't match and to upload my proof of address through Experian.com/upload. I've done this numerous time and it still hasn't updated. I've have been attempting to refinance out of a property I have and this update is holding me back from doing so.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the fair credit reporting act to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau has recently filed a lawsuit against XXXX alleging systematic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to notify consumers of dispute outcomes. These failures align with my experience. XXXX, TransUnion and XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts as XXXX inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XXXXi sent request to Early Warning Services to place a security freeze on my file. Today i received their response saying that they refused to do it.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2000.00} - Charge off XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Payday loan

I am writing regarding Green Trust Payday Loans. I applied for a {$350.00} payday loan on XX/XX/2016. I am XXXX years old and I had extremely high medical and hospital bills based on XXXX and I needed a loan desperately to pay my utilities so that they would not be disconnected. At the time I did not look closely at the very high interest rate and the method of payment.The rate of this loan is 369.64 %. The finance charges are {$1900.00} for the amount financed for {$350.00}. The total I have to pay is {$2200.00}. I am unable to pay that. The company keeps trying to get direct payments from my bank, but I had to put a stop payment on it. When I get on my feet. I asked them if I could set up a payment plan. That will also be a financial struggle. Is it legal for a payday loan company to charge this much? I have seen reviews and complaints on this company from many people who are appalled at this company as I am. They have taken money from accounts that are not authorized. Please help!
Product: Credit reporting or other personal consumer reports

Request for Investigation To XXXX, XXXX, XXXX, kickoff I am writing to formally dispute inaccurate information on my credit report under the Fair Credit Reporting Act ( 15 U.S.C. XXXXi ). The charge-off account from kickoff is incorrectly reporting a balance of XXXX, which I believe should be XXXX due to charge off which becomes taxable income so the balance is supposed to reflect the new updated version after the worse action you can take with chargeoff Under 15 U.S.C. XXXX ( a ) ( XXXX ), furnishers are required to report only accurate information. Additionally, if this debt has been transferred or settled, continued reporting of a balance violates the FCRA. Which they reported the CO the months of XXXX and XXXX which reflects aggressive and unfair credit reporting intended to harm me I request an immediate investigation into this matter and a correction or removal of the inaccurate information. Please provide me with verification of the debts accuracy or delete the incorrect information per 15 U.S.C. XXXXi ( a ) ( XXXX ). 
Further they contacted me saying I contacted them and told them about distress but didn't cancel account or tell them or they would have like I would purposely let them take a almost XXXX and ruin it Sincerely, XXXX XXXX XXXX XXXX XXXX [
Product: Debt collection

I reached out to the company about 3 months ago via email for and itemized statement with no response. Then again XX/XX/scrub>XXXX XXXX  to attempt to settle, and again XX/XX/year> for itemized statement to attempt to settle with no response.
Product: Bank account or service

PNC Bank charge me XXXX inappropriate overdraft fees for no reason. Per my account history I clearly had all the money in my account needed to cover all transactions. They took it upon themselves to just take XXXX {$36.00} charges out of my account completely unsubstantiated. When I contacted customer service they said they refuse to refund the money because " they do not provide courtesy refunds ''. This is not a courtesy, this is my money that they had absolutely XXXX right to take from me. This is theft.
Product: Credit reporting or other personal consumer reports

Hard inquiries I did not authorize XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I was getting emails from Chime a couple weeks ago about having created a new account with them when I never took such action. XXXX of the emails notified me that I had changed my phone number. This is the number that it was changed to : ( XXXX ) XXXX. 

I have no idea whose number that is, but I think that should provide some clue about who attempted this fraudulent activity. 

I emailed Chime last week ( XX/XX/XXXX ) to request that the account be closed as it was created under fraudulent pretenses. Soon thereafter I got an email informing me that they were closing the account. 

I just received a Debit card from them today ( XX/XX/XXXX ). I called them to assure that the account was closed. They assured me that it was.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  are reporting incorrectly that was late in XXXX, XXXX and XXXX, XXXX on XXXX partial account number XXXX. ( Please see pages attached from my credit report along with a copy of my Drivers License and Utility Bill for identification purposes. ) This account was consolidated in XXXX and should not be reporting any lates. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit card

While trying to obtain a VA mortgage loan, I was unable to obtain the loan because of an error on my credit report. I filed for bankruptcy chapter XXXX and the banking financial was also included in the filing of lenders to file against in the bankruptcy. The bankruptcy chapter XXXX was filed in XX/XX/XXXX and was discharged XX/XX/XXXX. The credit report states, it 's was a judgment and not satisfied, but it was filed with the chapter XXXX.