23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Complaint to the Consumer Financial Protection Bureau Subject : Unauthorized Credit Reporting and Permissible Purpose Violation by XXXX XXXXXXXX XXXX XXXX XXXX, and Car Credit Finance Details of the Issue : I am filing this complaint due to improper reporting of my auto loan by XXXX XXXX on my XXXX credit report. I purchased a vehicle from XXXX XXXX XXXX, and the financing was handled by Car Credit Finance, a buy-here-pay-here dealership in Virginia. XXXX XXXX, which is not listed on my contract, has been reporting the loan to my XXXX credit report without any valid contractual basis or permissible purpose. 

Summary of Key Points : Unauthorized Reporting and No Permissible Purpose XXXX XXXX is reporting my car loan on my XXXX credit report despite not being a party to my financing agreement. Under the Fair Credit Reporting Act ( FCRA ) Section 604 ( a ) [ 15 U.S.C. 1681b ], a company must have a permissible purpose, such as a valid contractual relationship, to access or report on a consumers credit file. XXXX XXXX XXXX  reporting constitutes a violation, as they have neither a contractual obligation nor my authorization to report this account. 

I sent certified letters disputing the reporting to XXXX XXXX XXXX  and Car Credit Finance, as well as to XXXX XXXX, via certified mail with tracking numbers ending in XXXX ( for XXXX XXXX ) and XXXX ( for Car Credit Finance ). I requested clarification and proper handling of this matter.

FCRA Section 623 ( a ) [ 15 U.S.C. 1681s-2 ] : This provision mandates that furnishers of credit information, such as XXXX XXXX , report accurate information and correct any inaccuracies once notified by the consumer.

FCRA Section 611 [ 15 U.S.C. 1681i ] : As part of my right to dispute inaccuracies on my credit report, I am entitled to a fair investigation into this matter by both XXXX and the reporting furnishers. XXXX acceptance of this inaccurate report is also a potential violation. 

Given XXXX XXXX unauthorized reporting and Car Credit Finances failure to clarify or correct, I question the accuracy of any related reports on my XXXX and XXXX files. This issue raises broader concerns about the reliability of data reported by Car Credit Finance across all credit bureaus.

I am seeking prompt assistance to rectify this issue and ensure compliance with FCRA regulations. The improper reporting by XXXX XXXX has impacted my credit profile, and their failure to verify permissible purpose violates my consumer rights. I request CFPBs intervention to enforce my rights under FCRA and ensure appropriate corrective actions across all credit bureaus.

Thank you!
Product: Credit card or prepaid card

An unauthorized inquiry was done to obtain credit fraudulently. 

XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023
Product: Credit card

Capital One is who I have the complaint with. I have reported them to you in the past also. 
I have XXXX credit cards with them, they refuse to help on these major issues : ( I just lost my job XX/XX/XXXX, keep this in mind. ) Lower the interest rate, even though I have had their cards for a minimum of 5 years. 
This is really not fair at all, considering I am never late, and I lost my job, I can not believe that they flat out refuse to help in any way, shape or form. They told me " some card holders have that offer, to lower the interest rate and monthly payment '' Some????? 
All of their customers should have that available to them! That is ABSOLUTE DISCRIMINATION TO THEIR CUSTOMERS. I can not believe that they are legally allowed to help some customers that lost their jobs and not others! This is absolutely ridiculous and should not be allowed to continue. And it should not be considered an offer it should be flat out across the board for ALL OF THEIR CUSTOMERS. 
Their " young kids '' that they hire are NOT trained at all. I was told XXXX different stories of a department that may be able to help people that lost their job. Someone told me they were in that department over this past weekend of XX/XX/XXXX. Then when I called back, a rep told me that no one in that dept works on the weekends! So, I was evidently flat out lied to and deceived that she actually worked in that department.. 
I was told on XX/XX/XXXX from a rep that she would give me a courtesy credit of {$35.00} because of my dire circumstances. I called the next day, there is no record of this on my account, and since they helped me in the past, they absolutely would not help again. 
I want that conversation listened to because they absolutely deceived me! Cap One should be fined for all of this deception to their customers! I have some very high interest credit cards that have a hardship program, of lowering the interest rate and the monthly payments and suspending use of the card for 6 months. That is a very reasonable way to help a customer in my situation. And Cap One, a XXXX dollar corp has nothing like that to help us. And they outsource their workers to other countries, I hope they get taxed like crazy from that. I NEED A JOB, AND THEY CONTINUE TO OUTSOURCE! 
I WANT THE SAME '' OFFER '' THAT THEY GIVE OTHER EARLY ASSISTANCE CUSTOMERS AND i WANT IT ASAP, ON ALL XXXX OF MY CARDS.
Product: Debt collection

The company listed an account with the credit bureaus showing an open date of XX/XX/2020 and a collection balance of {$2200.00} I have not received any notification or communication with this company to inform me of who this debt is with or the option to dispute the validity of the debt. 

I have filed a dispute with the credit bureau however the collection company has " certified '' to the bureau that the debt is legitimate.

As of this date, I still have not received anything from the company.
Product: Debt collection

Hello my name is XXXX XXXX and Ive been attempting to try and resolve this matter with ACIMA. Please read the following notice thoroughly and carefully before responding. It is a notice. It informs you. It means what it says. For these reasons it is recommended that you carefully consider this notice and respond in substance, which means actually addressing the points raised herein.
Product: Credit reporting or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XX/XX/XXXX Account Number : XXXXXX/XX/XXXXAccount Number : XXXX XX/XX/XXXXXXXX Account Number : XXXX XXXXXX/XX/XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXXXX/XX/XXXXXXXX Date of inquiry : XX/XX/XXXX XX/XX/XXXXDate of inquiry : XX/XX/XXXX XX/XX/XXXXDate of inquiry : XX/XX/XXXXXX/XX/XXXXDate of inquiry : XX/XX/XXXX XX/XX/XXXXDate of inquiry : XX/XX/XXXX XX/XX/XXXXXXXX Date of inquiry : XX/XX/XXXX XX/XX/XXXX Date of inquiry : XX/XX/XXXXXX/XX/XXXXDate of inquiry : XX/XX/XXXX XX/XX/XXXX Date of inquiry : XX/XX/XXXXXX/XX/XXXX Date of inquiry : XX/XX/XXXXXX/XX/XXXX Date of inquiry : XX/XX/XXXXXX/XX/XXXX Date of inquiry : XX/XX/XXXX XXXX XX/XX/XXXXDate of inquiry : XX/XX/XXXX XX/XX/XXXXXX/XX/XXXXDate of inquiry : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXDate of inquiry : XX/XX/XXXXXX/XX/XXXXDate of inquiry : XX/XX/XXXXXX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX of inquiry XXXX XX/XX/XXXX MXX/XX/XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Iam filling a complaint against Cash App ( Block.inc. ) due to inadequate customer service and unfair practices, while volate the consumer financial protection act. ( CFPA ). Specifically, CashApp fails to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution processes was unfair and deceptive as they did not comply with errors resolution requirements under the ( EFTA ) and regulation E. These actions have caused significant inconvenience financial loss and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

On XXXX XXXX my card was charged 5 times totaling around {$450.00} from multiple gas stations. There were two charges of {$100.00}, one charge {$98.00}, one charge {$98.00}, and a final charge of about $ 45-50 ( I forgot exact amount and dont have access to the statement at the moment ). I filed a dispute with the company which was denied before I was even able to send in the paper work. Because of this I was told that I have to send an appeal explaining that my case was denied before it was even opened which I completed and faxed to them on XX/XX/2018 and the company confirms the appealed was filed on XX/XX/2018. I was told the process would take 45-90 business days and to call on a weekly basis for updates. Each week I called and spoke to a different agent who said there were no updates and to keep calling weekly. Now in the beginning of XXXX, close to 120 days later an agent is telling me there is no update or information on my case and I should send in my appeal with the dispute letter if I still have it which I do not. I have been given a lot of misinformation about from various agents. Ive been told that they have no way to contact the dispute dept over phone only through email while another agent told me that if I call back during business hours they can call the dispute dept directly to get an update. Everyone I speak to gives me different information and no one is helpful in me resolving my case.
Product: Debt collection

The debt of {$1800.00} from DISCOVER BANK was transferred to a debt collection law firm by the name of XXXX XXXX XXXX in XX/XX/XXXX. I have called multiple times to discover who has always transferred me to the law firm for discussion concerning the debt since the law firm XXXX XXXX XXXX now handles the debt. 

XXXXXXXX XXXX XXXXXXXX the law firm handling the debt have refused to discuss the debt with me. They keep saying " The account is on hold and they can not discuss the details of my debt at the moment. '' This has been going on since XX/XX/XXXX and till now they refuse to discuss the debt with me. I have asked for a letter of debt validation from them but they keep forwarding it to discover to do their job for them. This has messed up my credit further and has prevented me from receiving credit for any amount.
Product: Bank account or service

I have had XXXX different accounts with with Navy Federal. With each account they charge outrageous and excessive fees for their OOPS feature for checking account. They restricted access to the XXXX accounts that I have had that they closed without notice to me. Even when visiting a local branch I was denied access to statements and transaction history. The fees range anywhere from {$20.00} to {$60.00} at a time. After paying accounts in full and establishing new account, they still restricted access to many features that are included with the account. I have no problem paying the accounts with bringing them into good status but what I do not agree with is paying {$20.00} to {$60.00} on transactions they authorized. I find it deceptive and a way to take more money out of the consumers pocket. I ask that the CFPB look into this business practice. Also the threat of closing accounts or closing accounts entirely before the 30 day ( 60days in most instances ) without notice or allowing consumer to bring the account into positive standing is unlawful. 

My other concern is there unethical and discriminatory lending practices and discriminatory practice in how they approve members for their credit cards. Each denial stated that I would receive notice as to why was denied and how I could ask for reconsideration. I have yet to receive any notices from Navy Federal since I first applied in XX/XX/2016. I was told over the phone to wait a month and reapply and I would get approved. I waited a month and still got denied. Still did n't receive a denial notice in the mail. For the most part Navy Federal is not bad but some of their business practices are shady and take advantage of the individual consumer who has invested in shares in this institution. Some of their practices are very predatory and make it virtually impossible for consumers to bring account in red back to black
Product: Debt collection

I sent a letter however, got no response. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " XXXX d/b/a XXXX XXXX XXXX XXXX '' on XX/XX/2014 via USPS certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. 

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I wrote to Transunion explaining to them that I had inquiries on my report which I did not make. Transunion is aware that I am a victim of identity theft. Transunion also has a copy of my police report validating that I am a victim of identity theft and fraud, as well as my identity Theft affidavit from the FTC. Transunion is reluctant in removing these inquiries which are damaging my good name. Why am I being punished for what someone else has done to me? This whole experience has already been very emotional and traumatizing. Why isn't Transunion willing to help me when I am the victim?
Product: Checking or savings account

I applied online for an unsecured personal loan with Wells Fargo. I was conditionally approved ( Application ID XXXX ). I spoke to a branch manager telephonically at the XXXX, California location. He indicated the loan is conditional because Im required to login to their website and agree to the terms and conditions of the loan and sign electronically. The branch manager also indicated Im not required to provide identification, W-2s, tax returns, or pay stubs. On XX/XX/2021, I logged onto the Wells Fargo website and agreed to the terms and conditions of the loan and signed electronically. On XX/XX/2021, I received electronic mail and a text message stating Wells Fargo Personal Loans We need additional documentation for your recent application. For details, sign on at wellsfargo.com/status I then signed on and the website indicated I already signed and agreed to the terms and conditions on XX/XX/2021, and the loan status is complete. There were no additional instructions on Wells Fargos website. I called a branch manager today and he indicated he does not know why I received an email and text message from Wells Fargo. I was given a telephone number to Wells Fargos advocacy group to file a complaint. I called ( XXXX ) XXXX and received an automated system that the department is closed and to call back later. The automated system did not inform what their hours of operations are. I then called the telephone number for Wells Fargos XXXX XXXX XXXX at ( XXXX ) XXXX and received an automated system that did inform what their hours of operations are. Moreover, I was told by a customer service representative the foregoing departments close at XXXXXXXX XXXX. Eastern Standard time. Im Pacific Time. Most consumers work XXXX XXXX to XXXX XXXX those hours are inconvenient for those in Pacific Time. If I work XXXX, how am I suppose to speak to someone regarding the text messages and emails Im receiving? 

Secondly, when I logged onto the website, I received a message instructing to logoff my mobile device or tablet and continue on a desktop or laptop. I dont have a desktop. It is cumbersome to find a desktop during the deadly pandemic. Im tired of being harassed with text communication and electronic mail instructing to login and complete my loan documents when I already have. Im requesting a {$10.00} reimbursement from Wells Fargo for my XXXX XXXX cost to use their desktops in an attempt to follow Wells Fargos egregious instructions.
Product: Debt collection

I was notified by my credit report there was a collection for {$390.00} being collected by a Hunter Warfield in cooperation with XXXX XXXX XXXX XXXX XXXX XXXX, PA. I have received no communication from XXXX XXXX XXXX XXXX or Hunter Warfield previously. 
In XXXX or XXXX I placed a refundable deposit for an XXXX XXXX XXXX XXXX XXXX XXXX I then found a different location and canceled the inquiry. There was no paperwork or lease signed whatsoever. Now, in XXXX, they have placed this directly on my credit report. This is a scam. I have received XXXX communication concerning this matter for XXXX years, all while living at the same address and having the same phone number. I need this removed from my credit as soon as possible. This is absolutely a false claim. 
Thank you
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX {$3000.00} This account has been charged off as a bad debt which is now considered income for me that is required that I file on my taxes according to the IRS and the FCRA income should not be reported on my consumer report The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. You and your inaccurate reporting have damaged my livelihood. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information Prohibition ( A ) Reporting information with actual knowledge of errors Apersonshall not furnish any information relating to aconsumerto anyconsumer reporting agencyif thepersonknows or hasreasonable cause to believe that the information is inaccurate.Duty : a moral or legal obligation ; a responsibilityAccurate : correct in all details ; exact.Prohibition : a law or regulation forbidding something. As Defined by The IRS. Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! By Definition The IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. 15 USC 1681 s-2 says a furnisher of information to a consumer reporting agency is PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/ in accurate information immediately. 15 USC 1681 s-2 ( a ) ( 1 ) ( A ) Apersonshall not furnish any information relating to aconsumerto anyconsumer reporting agencyif thepersonknows or hasreasonable cause to believe that the information is inaccurate You are hereby put on NOTICE that you are furnishing incorrect inaccurate information.The lender must file Form 1099-C and send you a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial institution, credit union, federal government agency, or other applicable entity as discussed earlier in chapter 1. The above paragraph is taken directly from the IRS 2021 publication. SEND ME MY FORM 1099-C that you should have sent when you Filled the account as a canceled debt.
Product: Prepaid card

I filed a previous complaint ( XXXX ) against American Express about a gift card I was unable to use because of repeat rejected charges. They issued a letter through CFPB saying they had canceled the card and were issuing a refund of the full amount ( {$170.00} ) but the check I received was only for {$50.00}. I have contacted American Express multiple times about this, each time being told they were escalating it and I would hear back within a week. I have heard nothing from them, so I am filing another complaint with CFPB to hopefully get a resolution and get my full refund. I have not cashed the {$50.00} check.
Product: Credit card or prepaid card

I disputed 5 charges on my credit card for XXXX XXXX XXXX on XX/XX/2020 for the amounts of XXXX, XXXX, XXXX, XXXX, XXXX. The merchant contacted me and send me text after a month to withdraw the credit card disputes in order for them to give me full refund. I logged on credit card company website and withdrew the dispute. The merchant still has not paid me the money so I contacted the credit card company to reopen the dispute, but they refused because it is already disputed once. I understand the regulation now, but the credit card company should have made that clear to me on the website that if I withdrew the dispute, it will not be open again. 

I lost my dispute and my money. The credit card company has the responsibility to make the customers understand the rules and regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a few letters to Credit Bureau in order to dispute fraud accounts that I detected accidently by checking my credit report. I submitted dispute letter to Experian and after my dispute Experian blocked my report and now I CAN NOT even see my report, besides Experian didn't even response to my dispute. XXXX  not even did investigation, eve thou i mailed my letters via certify mail. 
Here is accounts that should be deleted from my report immediately : 1. This is a duplicate account US DEPT ED Account Number : XXXX Please remove this account from my credit report immediately! 

2. Mistaken Identity US DEPT ED Account Number : XXXX Please remove this account from my credit report immediately! 

3. Mistaken Identity DEPTEDXXXX Account Number : XXXX Please remove this account from my credit report immediately! 

4. This is a duplicate account DEPTEDXXXX Account Number : XXXX Please remove this account from my credit report immediately!
Product: Credit reporting or other personal consumer reports

The XX/XX/XXXX XXXX Data Breach damaged my credit report causing my credit score to decline without any known activity that would cause my score to either drop or increase. All 3 credit bureaus has processed hard inquires that I did not give information to do a credit report. All my loan amounts, credit history, pass payments are incorrect. My credit scores and FICO Score should be in the XXXX but they are in the XXXX and I have been complaining to all 3 credit bureaus since XXXX of XXXX  and i was never told that the problem was do to a XXXX  Breach. My loan amounts are off by XXXX of dollars and my payments has not been updated by all 3 credit bureaus seen the Breach took place on XXXX the XXXX of XXXX. This XXXX and the negligence of all 3 credit bureaus has caused my credit score to decline and the Breach of person information has left my credit information exposed to fraud which may explain why my credit scores are in the XXXX instead of the XXXX. Respectfully Submitted.