23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received an email alert stating that I had a pending credit application for a credit card through Capital One. I also received notification through my XXXX XXXX  app that I had new inquiry on my credit report from Capital One. 
I contacted Capital One and asked why did they pull my credit report and the confirmed that a credit application was opened in my name. I informed them that I did not apply for a credit card and that my information was being used fraudulently. Capital One cancelled the application and marked it as fraud and stated that they will besending letter to the three reporting credit bureaus to have the inquiries removed. 
On XX/XX/XXXX I did a follow up to check to progress and was informed by Capital One that the letters never went out but I could call the three reporting credit bureaus and dispute inquiries on my own, so I reached out to the three reporting credit bureaus and had success getting the inquiries removed from my XXXX XXXX, and XXXX  report, but XXXX  said I had to provide them with a police report or FTC report. That's how I ended up here.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 i submitted a dispute to the credit bureaus. The investigations were completed and the Credit Bureaus stated that the accounts were properly investigated but how is that possible if the last activity is inaccurate, payment history is inaccurate, remarks are inaccurate, months reviewed are inaccurate, personal information is inaccurate, etc. This is ground for removal. They also violated my rights under 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 : also states a consumer reporting agency can not furnish a account without my written instructions.

i have not given these accounts ( below ) my written permission to furnish these accounts on my credit report. 

XXXX XXXX account # XXXX. XXXX XXXX account # XXXX. 
XXXX XXXX account # XXXX. XXXX account # XXXX. 
XXXX XXXX XXXX account # XXXX. XXXX XXXX XXXX account # XXXX. 
XXXX XXXX account # XXXX These accounts need be deleted immediately. 

Also update my Personal info. I only have one name ; XXXX XXXX XXXX I only have one address which is my current address. 

I also ordered a copy of my XXXX credit report ( Experian, XXXX, XXXX ) simply to make sure the accounts were properly investigated. I have came across over 21 violations on my credit report. EVERY violation is circled on the attachments included in this complaint.
Product: Vehicle loan or lease

I purchased a XXXX XXXX XXXX from XXXX XXXX in XXXX Oh on End Of XX/XX/XXXX. I went to the dealership to pick up the title from the Sales Person that sold me the car in late XXXX. The title was given to me 2 days after I picked up the title the vehicle started to stall,. Finds out that the transmission needed to be fixed/replaced. Informed the dealership of the situation they indicated the salesman no longer works for the company no warranty. I ended up replacing the the transmission for XXXX not to mention the XXXX given to take ownership of the vehicle. The vehicle was in the shop for about 21/2 months getting transmission fixed/replaced also I had to come up with the monies to fix the car. Meanwhile Consumer Portfolio Services, which is the finance company for the vehicle located in California. They are aware of what is going on. They offered one deferred payment for one month. I got the vehicle out after I paid XXXX for a transmission in late XXXX. I was being charged XXXX a month plus late fees of XXXX? I believe could have been more. Well I did not have the monies to pay for a new transmission on a vehicle that I just purchased and pay the car note and get back and fourth to work. The car was repossessed in XX/XX/XXXX. I paid all of the fees to retrieve the vehicle back. I was told that I had to pay repossession fees which were some bogus fees that I could not find however I was told this was a fee that my state charged. Contacted Ohio Attorney General was not aware of what the fees are/were. I was going back and fourth with the company in reference. I was then told the fees would needed to be repaid until the end of my loan. Per my credit report it shows that my balance was a little shy of {$7400.00}. However when CPS was contacted about the pay out for the vehicle a week ago or so {$8000.00} was indicated for the amount/balance. The vehicle stalled out again In the middle of XX/XX/XXXX. Find out that the timing change went out/ Which is a new motor {$5500.00} to repair. 2 Major components on a vehicle within 2 1/2 - 3 years from the time that I purchased. The vehicle was listed at {$10000.00} Repayment of {$19000.00}. Clearly this is a type of predatory lending and should be investigated as I tried to complain about this company 1 year or 2 ago with Consumer Affairs as well as The Ohio Attorney General ' s office. This company had a lawsuit filed against them some years ago for the bad behavior and practices. The victims were awarded. Consumer Portfolio Services had to pack back millions for their corrupt practices, My case is a prime example of such. 

Respectfully,
Product: Credit card

On XX/XX/XXXX of 2024 I made a purchase through XXXX for an XXXX I wanted to rent out for a night. I paid with my capital one credit card and then later noticed I booked the wrong dates. I decided to message the property owner about changing dates and they never answered me. I tried emailing them which I had proof of, I also called several times and left voicemails which I also had proof of. I began to search and realized this property was a scam. I looked up this property and saw it on XXXX for rent and called the number it showed on the listing and was told by a realtor I was being scammed. Until this very day I still have not heard anything from this XXXX owner. I have contacted XXXX  serval times and they tell me the same thing which is that I have to wait for the property to agree to refund me. I disputed with capital one and they have sided with the merchant even after all the proof I have sent them. It is very frustrating knowing i have no protection from this credit card.
Product: Mortgage

I opened a HELOC with Regions Bank XXXX years ago. I borrowed essentially the entire credit line, and I 've been making timely payments since then. Recently, I noticed that I was charged an " Inactivity fee '' of {$100.00}. While I took note of the fact that inactivity fees were listed in my agreement when I signed it ( and this is typical of all HELOCs ), Regions Bank has decided to interpret the meaning of " activity '' in a new and deceptive way. Even if your credit line is fully in use, they will charge an " inactivity fee '' if you do n't take a *new* advance each year. 

I believe that this is a deceptive practice at a minimum, and may violate the terms of my agreement, as it expressly does not say that a " new '' advance must be taken each year -- only that there must be an advance each year, which I interpreted to mean that my line is in use, given that this is an " inactivity fee. " I believe that Regions Bank is defrauding all of its HELOC customers by charging this fee, and that their actions are based upon a questionable interpretation of their contract language which actually constitutes a violation of their own agreement.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Putting fraudulent accounts on my credit report 18 USC Section 241 15 USC 1650 15 USC 3002-10 ( Person ) CFPB NEVER GAVE ME A CHANCE TO RESPOND TO EXPERIAN ON THIS MATTER, CFPB JUST SHOWED EXPERIANS INTERIM RESPONSE AND NEVER GAVE THE OPORTUNITY TO RESPOND TO THE MATTER AT HAND. REPORTING OF FALSE INFORMATION ON MY CREDIT REPORT. ALSO NOT UPDATING INFORMATION CORRECTLY. KEEPING OOLD CLOSED ACCOUNTS ON REPORT WITH A NEGATIVE CODE, INFORMATION BEING SOLD OVER THE INTERNET FOR CFPB PERSONAL GAIN. 

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

There is an inaccurate account on my credit report with Equifax for XXXX XXXX. I have sent both the Equifax and XXXX associates a letter requesting an investigation of this debt but it appears that the bureaus has failed to conduct an actual investigation into this error. It is illegal for a consumer reporting agency to report an account without sufficient documents and proof that the debt belongs to me. It is also illegal for a consumer reporting agency to ignore a consumers dispute. I demand that this account is deleted from my credit report.
Product: Credit reporting or other personal consumer reports

I tried to open an account with XXXX XXXX last year. XXXX XXXX XXXX has an old bank account reporting and preventing me from opening any account. My card was stole and someone tried to use my account. I informed Bank of america of this in 2021 when this happened. I have disputed this incorrect information several times. This account needs to be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account with Citi banks through all bureaus as well as filed a previous CFPB complaint and there has been no positive change. I enrolled in Citis covid program in XXXX and was informed I WOULD NOT have to make ANY PAYMENTS UNTIL XX/XX/2020. Citi ended up closing my account in XXXX stating and no one was able to inform me why. Since then there has been a change in the balance owed how is that the case on a closed account? Im not using the card! the credit report shows there has yet to be a notice of dispute input by either Citi or any of the bureaus. I get more than 3 phone calls a day from this company on top of receiving phone calls after XXXX XXXX  which is clearly a violation. They are also reflecting a close date of XXXX, how was I able to enroll in a program of my account was already closed, and why didnt anyone mention that?
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Reporting Act, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 : states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting

The XXXX of XXXX in XXXX has nothing on record of me owing any debts.
Product: Credit card or prepaid card

On XX/XX/XXXX, four fraudulent charges were billed to my account. 
This is a cred card attached to a major gas chain. It can only be used via the app, or card, both of which I have in my possession. 

On that day, I used the app to make a purchase of {$55.00} in XXXX, GA. Also on that day, four purchases were charged to my account, from a station located in XXXX XXXX XXXX CA XXXX none of which were made by me : XX/XX/XXXX - {$3.00} XX/XX/XXXX - {$44.00} XX/XX/XXXX - {$100.00} XX/XX/XXXX - {$66.00} TOTAL Fraudulent charges = {$210.00} I was notified of these purchases via email, and knew immediately they were not mine. I was able to get through to Citi 's fraud department that evening. They files the card as stolen, issued a new card and said they would look into the charges I reported as fraud. 

After two weeks, I still had received no communication from Citi acknowledging what I reported or providing an update. I sent a message via the online customer portal on XX/XX/XXXX and received a response on XX/XX/XXXX saying that it takes up to 90 days to investigate fraud charges, and that a letter would be sent when it is resolved. 

It has now been 105 days since I reported the charges. Citi has not send any updates via the Customer Portal, in writing or via phone. 

Their call center is only available between XXXX XXXX  and not staffed by English-speaking agents, making it incredibly difficult to get updates or reach a resolution. 

Since XX/XX/XXXX I have not used the card. I paid off charges I was responsible for. In the last three months, Citi has charge a total of {$14.00} interest on charges they themselves said were labeled as " under investigation ''. 

This evidence suggests that Citi does not take fraud seriously, has a flawed tracking and communication process and is not delivering on marketing claims that they offer secure transactions for customer.
Product: Student loan

I am currently in school full time, and I will be for some time. I have loans on an Income-Driven Repayment Plan ( IDR ) and Public Service Loan Forgiveness ( PSLF ) and I have loans on in-school deferment. I have submitted numerous deferment waiver forms, and I have sent numerous messages to waive the deferment and make it so the loans never go into deferment. I need all of my loans to be on the IDR/PSLF plan. I also will be applying for a loan soon, and having the loans on deferment hurts me. In previous messages I have been told that the waiver was processed, which it wasn't. I was told in the most recent message that it is not possible to waive in school deferment and that I would have to wait until I am out of school and even wait the grace period, which is utterly and absolutely absurd. Why would an in-school deferment form even exist if it wasn't possible? I am not sure what else I can do to have my request processed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX Washington, XXXX XXXX Subject : Request for Assistance in Disputing Negative Information on My Credit Report Dear Sir/Madam , I hope this message finds you well. I am writing to request your assistance in addressing and removing inaccurate or negative information from my credit report with Transunion, XXXX and XXXX. I believe this information is erroneous and unfairly impacting my creditworthiness. 

I have reviewed my credit reports from both XXXX and XXXX and identified several items that I believe to be incorrect or outdated. I respectfully request that these credit bureaus review the information and remove any negative items that do not meet the necessary legal standards for reporting. 

I kindly request that the CFPB act as an intermediary to communicate with XXXX and XXXX to resolve these issues. Your assistance would be invaluable in helping ensure that my credit report accurately reflects my financial history and complies with all applicable regulations under the Fair Credit Reporting Act ( FCRA ). 

Please let me know if any additional information is required from my end to facilitate this process. 

Thank you for your attention to this matter. I look forward to your prompt response and a resolution to my dispute. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$XXXX} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022, to remove these accounts that are inaccurate 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 accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. Please do immediate action regarding this matter. 
XXXXBalance : {$0.00} XXXX  XXXX****Balance : {$0.00} XXXX XXXXBalance : {$0.00} XXXX XXXXBalance : {$0.00} XXXX XXXX*Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX****Balance : {$0.00} XXXX XXXX XXXX  XXXX****Balance : {$0.00} XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX  XXXX XXXX  XXXX XXXXBalance : {$680.00} XXXXXXXX XXXX Balance : {$3100.00} XXXX XXXX Balance : {$440.00} XXXXXXXX XXXX XXXX Balance : {$670.00} XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, a company called XXXX XXXX XXXX allegedly purchased a debt I supposedly originally owed to XXXX XXXX. I have continued to dispute ever owing this charge. In XXXX, I formally disputed it with all 3 credit bureaus and it was removed from all but Experian. They sent me a formal report ( attached ) stating that the tradeline for XXXX XXXX would be removed in XX/XX/XXXX. I have included a copy of the report from Experian ( please see page XX/XX/XXXX ). In XX/XX/XXXX, I contacted Experian directly and was told the tradeline would be officially removed XX/XX/XXXX. I called on XX/XX/XXXX and was told that the date could potentially be moved to XX/XX/XXXX. The law states that the tradeline can only stay on the report for a maximum of 7 years from the initial default date of the ORIGINAL debt. XXXX XXXX is showing XXXX as the last payment received which already makes it 8+ yrs old.
Product: Payday loan, title loan, personal loan, or advance loan

I am writing to seek assistance regarding a personal loan of {$1200.00} that I obtained on XX/XX/year>, to complete my tuition. The loan was disbursed on XX/XX/year>. Since then, I have been charged {$80.00} every XXXX weeks, totaling approximately {$160.00} per month. I have never missed a payment and have paid about {$1600.00} so far. 

Currently, I wish to clear all my debt, but the lender states that I still owe : Payment Amount : {$1000.00} Billing Cycle Charge : {$85.00} Principal Contribution : {$980.00} I feel this is unfair, as I have already paid more than the original loan amount. Despite my attempts to contact the lender via email, I have not received any response, and the bi-weekly deductions continue. 

This situation has become too burdensome for me. I urgently need your help to resolve this matter. 

Attached are the contract and my last payment details for your review. 

Thank you for your assistance.
Product: Debt collection

I was contacted by someone supposedly named XXXX XXXX who works to collect debt for a third party called XXXX XXXX. There is no actual XXXX XXXX and everything Im finding is either in a foreign language or reviews says they are scams. I have also found some interesting lawsuits that says this company is even banned from trying to collect debt. This agency called a friend of my brothers who I have met just a handful of times and never had ANY CONTACT with this person.. how can a legitimate company call people who have never had actual contact y with the person theyre trying to get a hold of. The number theyve been calling from is XXXX and their answering service is just an automated voicemail with no company name. I have attached information of what the website pulls up when I click it from my actual bank statement.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts in the letter has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

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 XXXX 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: Credit card

Citi closed my inactive credit card account without any notice. Closing a credit card account - especially XXXX with a lengthy history - without giving prior notice of any form ( email, notice on website, anything would 've been helpful ) can significantly damage one 's XXXX score. In my case, it was my longest standing credit card of nearly 10 years, so ultimately I am being negatively punished on my mortgage rate for the next 30 years because I did the prudent thing and did n't use my credit card!