23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I, XXXX XXXX and natural person, was denied credit by AmeriCredit when I applied for auto financing, who is in possession/control of a legal person ( XXXX XXXX ) of whom I am the Executor of the Estate/Trust of ( XXXX XXXX ) through a SS-4 presented form the Treasury with a EIN with credits/funds exceeding $ XXXX in which credits are taken from every time my social is used. I am co-signing/the co-signer for the legal person ( XXXX XXXX ) when Im entering into any consumer credit transaction/consumer transaction..

Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act ( Regulation B ) which is codified in 15 U.S.C 1691 ( a ) ( c ) and is pursuant to civil liability under 15 U.S.C 1692k. Also, they willingly and knowingly provided false and misleading information to me to make that decision 15 U.S.C 1611 denying me extension of my OWN credit. They also colluded with the dealership to get me to make a down payment when its a consumer CREDIT transaction and thats breaking the law 15 U.S.C 1605, 15 U.S.C 1611. A creditor shall not refuse to grant a individual account to a credit worthy applicant for ANY prohibited basis 12 CFR 1002.7 ( a ).

You are subject to criminal liability for violating 15 U.S.C 1691 and 15 U.S.C 1611 as I have proof that I was discriminated against by AmeriCredit due to the response I received.

AmeriCredit is in violation of 15 U.S.C1642, U.S.C 1681 ( m ) and 12 CFR 1002 because I, the consumer, made a application in good faith, but credit was not issued.

Furthermore, because my social security number ( credit card ) 15 U.S.C 1602 ( l ) was used, and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of AmeriCredit 15 U.S.C 1602 ( p ).

If AmeriCredit fails to make any reasonable procedures to resolve this matter and compensate me the use of my credit card I will indeed make AmeriCredit criminally and civilly liable for all actual damages pursuant to 15 USC 1691 ( g ) ( h ) where as a pattern or practice of discouraging or denying applications for credit in violation of section 1691 ( a ) ( c ), 12 CFR 1002.7 ( a ) & 15 U.S.C 1681 ( n ), 15 U.S.C 1681 ( o ).
Product: Credit reporting or other personal consumer reports

Credit fraud- Someone tried to open a credit card with XXXXXXXX XXXX XXXX on XX/XX/2024. I did not authorize this attempt and it was not me. It is placed as a hard inquiry on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complaint myself, and to inform you that I was a victim of an Identity Theft. This is my several request to the three Credit Bureaus and it seems it does'nt makes me satisfied of what they conclude to my credit report. The particular items position that are recently filing on this credit document has a seriously unfavorable impact on my capacity to attain the highest credit score, I want the three credit bureaus to be sure to present facts that these are being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove those items which are frauds from my personal credit file : The fact is, I am disputing again the fraudulent items on my credit file. For some reason, I realized that the three credit bureaus failed to fixed it and I do not believe that these items belongs to me. Kindly assist me to remove these following fraud items : XXXX XXXX XXXX XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} ; NXXXX XXXX XXXX XXXXXXXX Balance : {$1600.00} ; XXXX XXXX XXXX XXXX XXXX : {$830.00} ; XXXX XXXX XXXX XXXX Balance : {$59.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX, XXXX, TX, XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} ; Original Creditor XXXXXXXX XXXX XXXX XXXXXXXX Balance {$2000.00} ; XXXX XXXX XXXXXXXX XXXX XXXX {$660.00} ; Original Creditor XXXX XXXX XXXX XXXX Balance {$130.00} ; XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance {$130.00} ; XXXX XXXX XXXX : {$1600.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

i did not consent to authorize nor benefits to any of the following account 15 usc 16802 ( p ) & 15 usc 1028 ( A ) 1. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX has violated my rights 15 USC 1692c ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ; 15 USC 1692b ( 4 ) not communicate by post card ; 15 USC 1692b ( 2 ) not state that such consumer owes any debt ; 15 USC 1692b ( 5 ) not use any language or symbol on any envelope or in the contents of any communication affected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ;
Product: Student loan

I was filing my taxes in late XX/XX/XXXX and needed to know what student loan interest I paid for XX/XX/XXXX. On the XXXX XXXX XXXX website, it alerted me that my tax information was available. When I clicked on that, it told me it would actually be available in late XX/XX/XXXX. I called XXXX and they informed me that only my father, the primary borrower had access to this information. My father does not know his login or account information, so he could not access this information. After another call to XXXX, I learned they would be mailing the 1098-E form. 

My father received the 1098-E form, and the student loan interest paid is listed as one total number. My father is the primary borrower for myself and my brother, and there was no way to see what interest was paid for each individual loan. 

I tried to look at the payment history for XX/XX/XXXX so that I could manually add up the interest Ive paid, but the only history they give is the last payment received for each loan. I called XXXX  again today, on XX/XX/XXXX, and they confirmed that the 1098-E is not itemized. They also confirmed that I have no access to payment history, and that I have to request that payment history be sent by mail. The payment history will be arriving by mail in 7-10 business days. 

My student loans were sold to XXXX in XX/XX/XXXX by XXXX XXXX, so my father received a 1098-E from XXXX as well. This 1098-E has  itemized information for student loan interest paid with the loan number. The XXXX  website also does not list the official number for each loan, they just number them 1 or 2, so I cant even see what loans they are referring to. 

This lack of information available is frustrating and should be corrected. My other loan provider, XXXX, gave me access to the 1098-E, and also has a full payment history detailing what payments went to principal and interest. 

This is not my first issue with XXXX or their website interface.
Product: Credit card or prepaid card

This event took place starting on XX/XX/XXXX, just days before XXXX. I took a broken item back to XXXX for a refund, which they granted without any argument. The money was immediately put back into my Amex Bluebird account. 

But NOW Bluebird is withholding the money from me. I am not a wealthy man. I can't feed my XXXX-year-old and XXXX XXXX XXXXyear-olds now ( not to mention myself and my wife ) until either the next time I get paid or Bluebird lifts this hold off of MY money. 

When I attempted to call customer service to remedy this problem, I was escalated to management 4 times. Their customer service phone system is essentially non-functioning. I was disconnected every time. I spent over three hours attempting to have a full phone call with them. ( And this isn't the first, second, or even 50th time I've had this problem with their phone line. ) At one point, a service manager on the other end sounded like he was going to do something to help, but of course I was disconnected before anything could happen. 

The amount in question is {$140.00}. And while that may not  sound like much to some people, it means food or no food in my home. XXXX  refunded this money to me, not to American Express Bluebird. This hold is irrational and unreasonable. I know that there are ways that a bank can bypass their hold policies, but the company refuses to work with me. I have nobody, or nor way to borrow the money from anyone until the 7-14 day waiting period on the hold is over. 

The main reason I use this card is because they reportedly give you access to direct deposits up to two days early, as soon as the deposit is authorized. They don't even do THAT anymore. And I happen to know that my weekly, Friday paycheck is authorized every Wednesday afternoon, like clockwork. They used to give me access to the funds on Thursday morning. Not anymore. Not for many months now. They're falsely pushing a fake account benefit in order to sucker more people into signing up.
Product: Checking or savings account

I was notified by my mom that she had been getting emails about me opening a CapitalOne 360 checking account. It was under my maiden name, XXXX XXXX. I never opened an account, so I called them and they closed it immediately
Product: Credit card or prepaid card

I wrote to the card company and told them that the card was not obtained by me it was obtained online by my ex fianc who was living with me at the time and is now currently serving time in XXXX XXXX. We have not been together for more than three years and I have been disputing this card the entire time. The debt is for {$600.00} around that amount. The card company is XXXX XXXX or Capital One.
Product: Credit reporting or other personal consumer reports

XXXX - XX/XX/2021 - XXXX did not authorize this inquiry? - The following inquiry was not authorized and should not be reporting. 

Incorrect Address - XXXX XXXX  XXXX XXXX, XXXX XXXX, NC, XXXX - The personal data reporting is inaccurate. 

Also the outdated bankruptcy
Product: Checking or savings account

I opened a checking account after receiving a promotional flyer in the mail. I would receive a {$400.00} bonus for :  1. making 10 debi t card purchases by  XXXX   XXXX    XXXX   2. enrolling in online statements by    XXXX   XXXX   XXXX  . 3.  registering for the promotion using the referral code. I opened the account on  XXXX / XXXX /  XXXX   following the directions. I enrolled in online statements and made the debit card purchases as required. I did not receive the bonus. When I inquired with Regions, I was told many different reasons ( I qualified, but have to wait 6 months from account opening ; I did n't register the account correctly ). I finally emailed and received an elevated inquiry with customer solutions. It was said that I was n't enrolled in online statements. The system showed that I enrolled in online statements on  XXXX / XXXX /  XXXX   but then unenrolled the same day. I did receive a paper statement in  XXXX . I sent a secure message via my online account to inquire about this on  XXXX / XXXX /  XXXX  . I did not receive any detailed information ; only the directions to enroll in online statements. I re-enrolled, even though I never unenrolled. For this reason, I feel like the company is witholding the bonus due to a computer error, not my own. I followed up with customer solutions, who informed me that the branch manager where my account was opened  (   XXXX   XXXX   XXXX   XXXX , GA  XXXX  ) could override the decision. I first spoke, then emailed  XXXX   XXXX , a branch banker who said he 'd help me. He did n't respond for a week after I provided him the information and I emailed him again. His response stated that he could not help. I called customer solutions again and had the representative (  XXXX  ) contact the branch manager on my behalf. The branch manager,  XXXX   XXXX , would not override the decision.
Product: Credit reporting, credit repair services, or other personal consumer reports

this is my SECOND attempt. The last one you dismissed frivaously without doing your job. This one i hope for different results. Since you decided to just get rid of my first complaint i am making it again. 

I am reaching out to the CFPB to hopefully resolve this. I filed an ID Theft report back in the end of 2022. I filed a police report, and i did everything i could. Then i submitted my FTC ID Theft report to Equifax and they have refused to block the items on my report htat were part of that ID Theft. I even believe they are possibly responsible for my data getting out there because my data was in their breach and they sent me a cool {$40.00} to say, hey sorry jeopardized you. Anyway, i have the FTC report and I have reached out to Equifax XXXX times now and they not only haven't blocked the XXXX items, they have just ignored me all together. This is rediculous. I demand they respond and i am asking they just do their dilligence and block the XXXX ID Theft accounts. They have all the paperwork, i know because i sent it all certified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report : Unknown Acct XXXX  ( XXXX ), XXXX XXXX/XXXX Acct XXXX ( Experian, XXXX ), XXXX XXXX, AcctXXXX ( XXXX ), XXXX XXXX Acct XXXX ( Experian, XXXX  ), XXXX XXXX Acct XXXX ( Experian, XXXX. XXXX ), XXXX XXXX XXXX XXXX/XXXX Acct XXXX  ( Experian, XXXX. XXXX ).
Product: Credit card

Loss of income and unable to pay, when APR charged raised to the maximum by Discover Bank. XXXX XXXX XXXX, the debt Collector Attorneys for Discover Bank, refused to allow payment agreement, unless additional fees are paid to them. In addition Discover Card refuse to work with client accounts turned over to their collections Attorneys, who continue to add interest to the outstanding amount originally owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX Balance Owed : {$510.00} XXXX XXXXXXXX Balance Owed : {$8100.00} XXXX XXXX XXXX Balance Owed : {$2900.00XXXX XXXX XXXX XXXX Balance Owed : {$1700.00} XXXX XXXX XXXXXXXX Balance Owed : {$510.00} XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$8100.00} XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act 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, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card or prepaid card

IRS deposited my refund of XXXX on XX/XX/22 unto a old Cash App account in which I can't remember any info about such as, " XXXX XXXX, old phone number or email associated with old account ''. I have the actual account/routing numbers of said account because when I checked the, " Where's my refund '' on IRS website it said my deposit was deposited on such date so looking back through my tax records I located the account/routing numbers as well as reaching out to the IRS who suggested this after telling them how Cash App gave me the run around basically telling me to read the fine print. How I found out what financial institution is linked to account / routing numbers my refund was deposited was easy as doing an online search. I can easily prove who I am, I have all my identity documents, Id 's, tax records etc. but I'm sorry if I have no recollection to my old phone # /email or cashtag.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX BMW FINANCIAL SERVICES/CREDIT gave me a hard inquiry. I have NO IDEA where this is coming from. ( picture attached below ) I do not own a BMW. I have not applied for a BMW. And to be straight up with you I have been in California since XX/XX/XXXX. So i have zero idea where this is coming from. 

Can you please make sure I do not get penalized for this and also get this hard inquiry taken off my report. 

AGAIN, I have not applied for anything with BMW and they DID NOT have my authorization to pull my credit. 

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

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I've talked to the bank & they've agreed to update the account. BUT TransUnion has some internal block which they're claiming they can use to not update the account because they feel they're above the law. When questioned why they're not accepting the dispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the dispute letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy ... as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at TransUnion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I have always made my payments on time. Ive contacted the bank about the issue & they continue to fail to provide me with verifiable proof. Ive disputed it with all three ( 3 ) credit reporting agencies & they too are withholding any verifiable proof. I believe their records are wrong & Id like this matter handled ASAP. Please update to paid as agreed/never late. 
XXXX XXXX  XXXX Date Opened : XX/XX/2007 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint because my credit score never been updated on a timely manner My payment history is great however my credit score stop at XXXX score rating as per XXXX  score rating which is used by Banks, I want my score to be updated and reflect my Payment history, my score is frozen on XXXX score rating and when Mortgage companies run it it shows XXXX, I'm very confused because my score never been updated for the last XXXX months XXXX, Equifax and XXXX never updated my credit score on a timely manner
Product: Credit card or prepaid card

I made my XXXX payment on its due date, XX/XX/2002. But when I submitted it on the app, the posting date appeared as XX/XX/2002. Confused, I called customer service, where an agent told me all payments made after XXXX XXXX. get posted the next day. I had submitted my payment at XXXX XXXX. The agent then explained that because the payment would post after the due date, I would be charged a late fee, but that if I called back after it posted, Capital One would remove it. Naturally skeptical, I asked if she would notate this in my account. She said she would. It should be noted that Capital One claims to record all customer service calls. After the fee hit my account, I called back and recounted to another customer service agent my conversation on XX/XX/XXXX and the promise of the fee waiver. He informed me he could not waive the fee, so I asked to speak to a supervisor. A supervisor named XXXX then came on the line. She was EXTREMELY rude and unhelpful. I explained my situation again, and she confirmed that despite what I was promised on XX/XX/XXXX, she couldn't remove the late fee because " the computer '' and " the algorithm '' wouldn't let her. When I reminded her that computers and algorithms are controlled by humans, she had no answer. I asked if there was anything else I could do. She responded curtly, " Well, now you know about the XXXX XXXX. cutoff and can get your payments in on time. '' I asked her to pull the audio of my XX/XX/XXXX call so we could both verify what I was promised. She said she had no way to do this. How convenient. Capital One records calls for its own protection but can't seem to access them when doing so would protect a customer 's rights. The reason for my complaint is not the arbitrary XXXX XXXX. cutoff time, although it's worth noting that I pay EVERY bill online and Capital One is the ONLY company that does this. No, what I want is much more simple : to get what I was promised by Capital One on XX/XX/XXXX, which is the late fee removed from my account.
Product: Credit reporting or other personal consumer reports

Hacking into computer networks and databases to steal large amounts of personal information or infiltrating organizations that store large amounts of valuable information
Product: Credit card

I had two separate leg on XXXX XXXX XXXX XXXX and XXXX. In error I purchased baggage fee on XXXX ( this leg already have baggage included ) instead of on leg XXXX. A week prior to my departure of the leg XXXX from XXXX, XXXX to XXXX, XXXX  ( XXXX XXXX XXXX ) I submitted a dispute for the {$65.00} be credited back to my credit card. XXXX XXXX is currently investigating the issue, yet USAA close my dispute with them with notes indicating that USAA found the charge valid.
Product: Credit reporting or other personal consumer reports

My XXXX husband opened a Capital One credit card in my name and admitted it was his but lies about it being in my name. Just like EVERYTHING else is in my name.