23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have had XXXX XXXX XXXXXXXX XXXX credit card since XXXX and always paid before due date of XXXX online. I received my monthly statement and I owed {$49.00} charged on XX/XX/XXXX and {$200.00} charged on XX/XX/XXXX due XX/XX/XXXX. I went online to pay bill and site said no account exists. 
I then remembered I received a letter in XXXX from XXXX XXXX XXXX  about a credit card so looked up the letter. I had not received any communication subsequent so forgot about it. Also no credit card. Letter said I would receive credit card and new statement no later than XX/XX/XXXX and if not received call XXXX. I did on XX/XX/XXXX, spoke to XXXX. Said he would mail me a new card and statement immediately and any late fees or charges will waived. I received nothing. On XX/XX/XXXX, I spoke to XXXX and she said she would mail me a new card and statement, not to worry about any fees or this affecting my credit. I'm worried about what this mess is going to ruin my credit. I can't pay them online because I don't have my account number which would be on a statement or credit card. You can't access their bank online or create an account without the account number which they won't give you on the phone. 
These calls to the XXXX number take 1-2 hours each and I just can't keep doing this and having at lease 3 new credit cards mailed to me that to date I have not received nor do I have a statement. 
The {$250.00} I owe was charged to the XXXX XXXX XXXXXXXX credit card but I can not pay them, only Comenity who will take a payment over the phone for an additional charge. I do not want to pay a bill over the phone with a company that hasn't performed any of their duties, sending me a credit card and/or a statement with a due date. 
All I want is to pay this bill and not have my credit rating affected.
Product: Credit reporting or other personal consumer reports

I have been with the same bank off and on for 8 years. I have an issue with how they quickly dispose of tax records which I will report separately. I have had checking, debit, and savings accounts with them, two of which I closed because there seemed to be fraudulent activities.

I received a banking history report from both reporting agencies that banks use to open accounts. On one of the reports, I have several open, and deleterious actions regarding the accounts that I've had with this one bank.

I have tried to get an explanation from the local branch, and provided the manager with a copy of the deleterious banking history report, of which she was unaware. I am still trying to get an explanation from this branch, and it's been going on 6 months. I am unable to open any type of account at a different bank.

I sent an email to their headquarters, and a resolution specialist got in touch with me. She did not provide her last name ; her direct phone number does not accept voice mail messages ; and it's been 3 weeks.

I don't think I'm overdrawn, but on the banking history report, it said that I was short on the new check print order charge. I provided verbal and written proof that the bank cancelled the checking account and said they would cover the print charges. The bank would not correct this charge on the banking history report, although that particular reporting agency said they had tried to work with the bank regarding the charge.

I need explanations. The local bank branch says it's because I use a mailing address from a homeless advocacy agency.

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

I sent a letter last XXXX XXXX, 2023 to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after the XXXX XXXX, 2023. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NA XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

WFDS ... aka Wells Fargo is continuing with the systemic institutional racist oppression tactics, and racial inequality treatment improperly ordering a unauthorized hard credit inquiry on my credit reports WITHOUT my signed authorization. Per the F.C.R.A. either have them provide a signed authorized credit application document with my authorized signature, or IMMEDIATELY remove the erroneous inaccurate inquiry from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested several times from Avant Corp to remove the late payments that they are reporting on my 3 credit reports or provide me with a detailed account of where I had paid late. To date they have refused to do either. My requests for account validation are responded to with an email telling me that I need to provide them with a copy of my credit reports and other documentation for them to move forward. Per the FCRA I should not have to provide them anything, they need to provide me proof that they are reporting accurately. I have not paid this account late and want this removed from my reports.
Product: Payday loan, title loan, personal loan, or advance loan

I have never applied for citi daypay loan and they are going to sue me in court.
Product: Debt collection

I, agent for principal XXXX XXXX XXXX and XXXX, I am a federally protected consumer, holder in due course, attorney in fact, for any and all derivatives thereof for the surname/given name and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will autograph for my given name, XXXX XXXX XXXX and as the agent and administrator in fact. Entered in a consumer credit transaction at XXXX XXXX TX XXXX in XXXX XXXX, Texas. I got approved for the vehicle and later was send an auto loan which is not defined under truth in lending disclosure. Federal law states that banking institutions only can borrow money pursuant 12 U.S. Code 143. Ive sent Wells Fargo Auto Multiple Cease and Desist through cfpb and though the mail. Wells Fargo Auto still haven't accepted my cease and desist and still contacts me through mail. Wells Fargo Auto threaten me and in violation of of my consumer rights pursuant to 15 U.S. Code 1692d ( 1 ), 15 U.S. Code 1692e ( 4 ). Wells Fargo does not have the territory jurisdiction pursuant to Criminal Resource Manual 664 to even come on my property and if any tow company they high to do so is involution and will be Criminal Liable. I didn't receive two copies of my right to rescind from Wells Fargo Auto as well. Pursuant to 12 CFR 1026.15 and must be delivered together with a statement containing the material disclosures in accordance with 15 U.S. Code 1602 ( v ) required under TILA. I the affiant, have the right to exercise the right of rescission after the three years from the XX/XX/2021 in accordance with 15 U.S. Code 1635 ( f ) as shown in EXHIBIT ( A ) due to the failure of WELLS FARGO AUTO to disclose this required information. WELLS FARGO AUTO believes they have of claim against the right to rescind by having on file, a written waiver by I, the affiant, as described in 12 CFR 1026.15 ( e ) then WELLS FARGO AUTO needs to provide that waiver in order to prove its compliance with the Truth in Lending Act requirements. Such failure to provide the written waiver will hold WELLS FARGO AUTO. liable for its negligence, unfair and deceptive practice of not providing the consumer the notice of right to rescind. WELLS FARGO AUTO should have the financial records in accordance with the documentary evidence requirements, which should include the written waiver. affiant is invoking it's right of rescission in accordance with 15 U.S. Code 1635 and UCC 3- 306 to rescind any power of attorney which may have been used in connection with this transaction which includes any derivative, hypothecation, trades, transfers of possession, whether voluntary or involuntary involving any and every instrument which may have occurred unbeknownst to me. I was not given full disclosure of any such power of attorney until discovery of its potential existence and demand a full revocation of such document ( s ) ; nunc pro tunc. On Exhibit A shows that all Security Interest was assigned to Wells Fargo auto means I am not obligated to pay Wells Fargo Auto and it secured all payments. I also attach my letter of intent to sue.
Product: Credit card

Yes I was shocked when I called a company I had gotten a card from the be of the bank is comenity capital which is a part of big lots stores credit cards. I was asking them about my interest rates on a purchase and the agent said when I purchased a soda drink even though it was ( XXXX and some cents they charged me a XXXX interest rates on that XXXX item purchased for XXXX ) so I told him that's cheating and thief charging a ( XXXX interest rate when I just purchase a XXXX drink and he said that's how they do it and I told him that's a crime and fraud ) and after the criminal conversation I told him I can not have a card cheating and committing such criminal acts and fraud ) so I told him to close the account. Afterwards they send me a letter because I closed the account stating since I closed the account they will charge me a extra XXXX and some cents higher interest rates. And I contacted thier higher offices and told them I had to close the account because nobody told me if I purchase a soda or any other snacks at such a low price I will be charged ( XXXX and some cents charge for a XXXX or XXXX purchase then a XXXX and some cents interest rates on every purchase!!! That thief and fraud and robbing me and other card holders but the XXXX I'm the head offices still added a ( XXXX and interest rate after I told them what on XXXX XXXX and our loving father XXXX earth are they doing! Anyone would close such a fraudlet card. Tricking me and others into such a fraud and thief deals. They took the interest higher even though they are doing the stealing robbing cheating and fraud. Which Is a federal offence. Even though I was mislead about how they did interest rates. This is illegal and a crime and refused to lower it. Be blessed
Product: Credit reporting, credit repair services, or other personal consumer reports

When reviewing my credit report I noticed Personal Finance Co performed a hard inquiry on XX/XX/XXXX that was unauthorized. I contacted the the company and was told there was nothing they could do to remove it so I immediately filed a complaint with the XXXX  and Office Of The Attorney General. I already had an account with Personal Finance Co that was opened XXXX which would have been the only time they were authorized to do a credit check. In XXXX of XXXX, I fell 30 days behind with my payments and instead of Personal Finance Co contacting the Credit Bureau to report a 60 day late payment, they did an unauthorized credit check. I have sent an attachment with this letter that I received from Office of Attorney General with a response from Personal Finance that they have requested the inquiry be removed. I spoke with a representative at XXXX  on XX/XX/XXXX and was informed that the inquiry still remains on my credit report. As of today, XX/XX/XXXX, the inquiry has not been removed. I would like for Consumer Finance Protection to assist me in getting this matter finally resolved. 

Sincerely,
Product: Vehicle loan or lease

My car payment with Chase Auto was the XXXX of each month. 
On XX/XX/2023, I mailed in a check to payoff the loan. The amount and the address was given to me by Chase Auto because I would not have known what the payoff amount would be without calling them. 
On XX/XX/2023 Chase Auto received the check because it is stamped on the front of the check. 
Chase Auto did not deposit the check until XX/XX/2023, nearly 60 days after receiving the check. Meanwhile they continued to auto-debit my account for payments on XX/XX/XXXX and XX/XX/XXXX. 
They say they will refund my money but I still have not received it.
Product: Debt collection

My capital one credit card had fraud my limit was only {$300.00}. During Covid I got gas at the XXXX in XXXX I was not aware that it had a card scimmer. XXXX weeks later was charged XXXX for a rental car that I never rented. I contacted Capital One and disputed the charge and they reversed it and opened me a new account and gave me a new card. XXXX  months later this fraudulent debt was on my credit this is not mine and I want it removed
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Transunion Credit Report. 

I have several Credit Inquiries I have No Knowledge of requesting I have contact Via US mail the creditor and also Transunion To No Avail. 
These Inquiries listed below Were not Aurtorized by me and transunion or Creditor has not removed. 

XXXX XXXX XX/XX/2019 XXXX Unauthorized Inquiry XXXX XX/XX/2019 XXXX 2 unauthorized inquiries XXXX  XXXX  XX/XX/2019 XXXX Unauthorized Inquiry XXXX XX/XX/2019 XXXX 2- Unauthorized Inquiries XXXX XX/XX/2019 XXXX Unauthorized inquiry XXXX XX/XX/2019 XXXX Unauthorized Inquiry XXXX  XXXX  XXXX  XX/XX/2019 XXXX Unauthorized Inquiry XXXX  XXXX XX/XX/2019 XXXX Unauthorized Inquiry As I said I have contacted Via US Mail and Phone calls The Creditors and Transunion, Creditors had me contact Transunion and Transunion Had me call back Creditor, I feel they are Not acting Fairly with this. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ;
Product: Credit card or prepaid card

I applied for a new XXXX XXXX card from Citibank which I should have been well qualified for ( XXXX XXXX XXXX ), but was apparently denied without explanation, despite following instructions from their customer service. I applied aroundXX/XX/XXXX. After several weeks without a response I called Citibank 's customer service around XX/XX/XXXX. I was told that I needed to verify my identiy either by providing a reference a letter, or by answering a verification call. I had not received a letter, and apparently the phone number they had called was a landline number that I discontinued a few years ago. The customer service rep offered to re-send the letter.
So far this was fine -- I ca n't fault Citi for wanting to do two-factor authentication. The troubles began when I received the repeat letter. I called Citi again and provided the code in the letter, but instead of taking this as verification, they instead denied the application. The only reason I could get out of the customer service rep I spoke to was that they " could not verify the information on [ my ] credit report. '' I went around with him repeatedly trying to figure out what that meant, or how I could fix it, but only got the same response. I asked to speak to a supervisor, but while I was being transferred I accidentally pushed the wrong button on my phone and hung up.
At this point things went from bad to worse. I tried calling back, but Citibank 's application line has an automated voice response system that requires an SSN before you can proceed. When I enter my SSN, I get an automated response that my application has been denied, and can proceed no further. I ca n't get anyone from Citibank on the phone, and ca n't get any further information. Citi eventually sent a letter confirming the denial, but with no additional information, just " We could n't verify the accuracy of some of the information you provided. '' I 've attached the final uninformative letter, such as it is.
Now I have no card, and a hit on my credit score from a hard inquiry that went nowhere.
Product: Credit reporting or other personal consumer reports

I have a hard inquiry on my credit report from LightStream bank and it was supposed to be a soft credit pull. No where on their site or in their XXXX XXXX XXXX did it say that it would appear as a hard credit inquiry on my report. I never received the loan, nor did I get a reason why I got declined. Either way, I think its unfair for me to have a hard inquiry on my account from a bank that provided little to no clarity on the process. In addition to that, most alternative lending companies do soft credit pulls so you can see what rates you qualify for.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 Klarna XXXX has an inquiry on my credit report that I did not authorize. I do not know what this is or why they ran my credit.
Product: Debt collection

I received a phone call indicating that I owed a debt that was paid two years ago. I had to check my records to validate the payment. I tried to contact the company again ( within 30 minutes of checking ) and the phone number was fictitious. I then tried to check the website and it was fake as well. I reported the incident to the FTC and then thirty days later I received a bill from Jefferson Capital indicating that I still owed this debt that was paid off. the bill is attached.
Product: Debt collection

I worked for FEMA ; and I was told I owed them money for Health benefits that I asked to be stopped. When my tax return was processed the amount owed to the government was automatically deducted from the refund. A few weeks later I received a collection letter stating I owed additional money due to some charge 4 days after the payment was processed. It stated I owed one price ; and a {$9.00} plus a {$30.00} difference. I am not sure what the charge is for and why was it not taken when the balance was cleared? I can't call to speak with anyone ; only the collection agency.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request an investigation into the unauthorized disclosure of my personal information by your agency, pursuant to the provisions outlined in 15 USC 1681i.

It has come to my attention that you have been furnishing my personal information to third parties without my explicit consent. As per my rights under the Fair Credit Reporting Act ( FCRA ), I did not provide any authorization for the release of my information to any entities, nor did I grant permission for your agency to obtain or disseminate my personal data.

I am deeply concerned about the potential implications this unauthorized disclosure may have on my privacy and financial well-being. It is imperative that you cease all unauthorized activities related to the sharing of my information and take immediate steps to rectify this matter. 

Furthermore, I request that you conduct a thorough investigation into how and why my personal information was disclosed without my consent. I expect prompt action to rectify this situation and prevent any further unauthorized disclosures in the future. 

Please provide me with written confirmation of the steps taken to address this dispute and the results of your investigation within the time frame mandated by law. 
A : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Thank you for your prompt attention to this matter. I look forward to a swift resolution. 

Sincerely, [ XXXX XXXX XXXX
Product: Debt collection

The debt in question is for an account that was paid. I have proof that the debt was paid, receipts, confirmation and records from my bank account. 

The payment was made in XXXX of 2018 for XXXX XXXX. I don't know how or why this collection agency is trying to collect. The amount was paid for {$220.00}. 

The insurance policy is XXXX. I am not sure how they got a hold of my information, but this is being reported to my credit files and I need it DELETED ASAP as it affecting my approval rate.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( block , inc ) due to inadequate customer service and unfair practices which violate the Consumers Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive, as they did not comply with errors and resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E, These actions have caused significant inconvenience and financial loss and I seek appropriate redress for violation.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : XXXX. XXXX - XX/XX/year> XXXXXXXX XXXX XXXX XX/XX/year> XXXX. XXXX XXXX XXXXXX/XX/year> XXXX. XXXX XXXX - XX/XX/year> XXXX. XXXX XXXX XXXX - XX/XX/year> XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year> XXXX. XXXX XXXX  XX/XX/year> Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.