23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I tried to deposit a cashiers check in the amount of {$500.00} on XX/XX/2022, the person who gifted it to me wrote " Merry XXXX '' in the memo line and per the associate on the Customer Service phone line, can't accept that in the memo line. Chime Bank refused to accept and deposit it. This is discrimination.
Product: Vehicle loan or lease

I woke up and i have received information in regards to these accounts that are reporting inaccurate on my credit report and I am having problems with these for months now. Can you help me out.
Product: Credit reporting

Experian credit keeps reporting 30 days late on key bank account, is not 30 days late the years XXXX, XXXX XXXX never 30 days late, they are falsely reporting late I have sent them banks payment history shows never 30 days late Some months late BUT NOT 30 days late See attached XXXX history under the " Days '' column Never 30 days late See attached XXXX & Experian XXXX late months they are different Experian shows all months late in XXXX, and XXXX shows 3 months late they are both wrong, never 30 days late 30 days late means after 30 days late you report not before.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion should not be reporting the collection/chargeoff in the amount of {$5600.00} on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account needs to report a {$0.00} balance and be closed. It is being reported twice and this is a violation of the Fair Credit Reporting Act. This false reporting of a collection/chargeoff is seriously harming my XXXX XXXX and this line item needs to be updated to report {$0.00} balance or removed. I have contacted the bureau to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2022 CAINE & WEINER ) add a derogatory mark on my credit report per XXXX XXXX upon, further research, this account was transferred/ sold and i am no longer responsible for the account. Debtors ' creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mine. According to the FCRA XXXX CAINE & WEINER ) has violated my rights as a consumer and i am requesting legal action to remove this account immediately.
Product: Credit reporting or other personal consumer reports

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  This inquiry was not authorized
Product: Credit reporting or other personal consumer reports

In accordance with the fair Credit reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiallity under 15 U.S.C 1681. 

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 15 U.S.C 1681 XXXX XXXX XXXX. States that I have a right to privacy. 

15 U.S.C 1681 section XXXX A section XXXX : It also states that a Consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c ( A ) ( XXXX ) section states : no consumer reporting agency may make any consumer report containing any of the following items 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 ) ( XXXX ) A person shall not furnish information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my free credit report on XX/XX/XXXX and noticed that Equifax is reporting in error in public records chapter XXXX bankruptcy. I never filed chapter XXXX, I filed Chapter XXXX bankruptcy that was discharged on XX/XX/XXXX. I submitted a dispute to Equifax 3 times on XX/XX/XXXX, on XX/XX/XXXX and XX/XX/XXXX and asked them to remove the incorrect information. In response not only did Equifax not remove fictitious Chapter XXXX, they added verified date XXXX XXXX. So not only they did not remove the wrong information, they made it look as more recent bankruptcy. Equifax created a financial hardship for me and my family. I am self employed and my business depends on my credit. in the last 30 days 2 credit card companies cancelled my credit cards accounts and 1 reduced my available credit line. I tried calling Equifax multiple times, every time customer service representative told me that they do not see Chapter XXXX on my report and when I asked to speak to a supervisor, was placed on hold for a long time and then call was disconnected. I would appreciate if you can help to hold Equifax accountable for reporting incorrect information.
Product: Credit card or prepaid card

I received a letter from Comdata XXXX XXXX, Comdata Inc., XXXX XXXX XXXX, XXXX, TN XXXX, www.comdata.com, XXXX, saying that Comdata is pleased to announce two new improvements to my Comdata Payroll Mastercard. Except that I do not have a payroll card, and my employer does not pay people at all through payroll cards. My check is directly deposited in my bank account every payday. I called the company at the number above included in their letter inquiring why I was receiving this letter if I did not have a payroll card and do not get paid via payroll card. They insisted my employer provided them with my name and address, and I would be receiving a payroll card. I told them I spoke with my employer and this was not the case. I again asked why I received this letter at which time they started asking me for additional personal information such as my employer, which I did not provide. I continued to inquire, and they refused to explain the situation and only repeated many times that my employer provided my name and address and I would be receiving a payroll card - which I repeatedly told them my employer said is not true. Comdata was completely unhelpful at best and directly ducking questions at worst. They ultimately hung up on me rather than trying to get the the bottom of things. I still do not understand why I received this correspondence, which is unsettling with all the credit breaches as of late. Thank you.
Product: Debt collection

a Macys credit card was used that I did not authorize with left a balance and a charged off account. I do not own this debt, I tried contacting the merchant and filing disputes but they did not assist me with rectifying the account.
Product: Credit card or prepaid card

I received a call from an attorney saying Im being sued for a debt. I then received a call from capital one offering me a settlement offer for the debit. I emailed them and explained how my identity was stolen. The address on the capital one account doesnt match my address and also the bank account attached to account is not any of my accounts I have or ever had. I want this matter handled and off my credit as it has destroyed my score! I have no credit cards never have so why Id open one and not pay is ludicrous! Please help me fix this situation and restore my credit report!
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2020, I entered into a deferment with XXXX XXXX for several months due to the covid and losing employment. My deferment was ending in XXXX of 2020. I was turning the vehicle in as early lease termination since the lease would be up in a few months anyway I could no longer pay for it due to the impact of Covid. On XX/XX/XXXX I was admitted to the XX/XX/XXXX for XX/XX/XXXX XXXX. Which I provided documentation. On XX/XX/XXXX I became extremely ill and was XXXX XXXX XXXX XXXX XXXX XXXX. I remained in the hospital until XX/XX/XXXX. I was still under XX/XX/XXXX due to a lXX/XX/XXXX and on and off again XX/XX/XXXX( documentation provided ). I called XXXX XXXX immediately and told them I couldn't return my vehicle until I was released from XX/XX/XXXX. I was released on XX/XX/2020. I called XXXX and was told someone would call me back within 10 days. On XX/XX/XXXX I called them since no call was received. They told me to find a local dealer and return the vehicle. I returned the vehicle on XX/XX/XXXX ( documentation provided XXXX. I told them I was concerned about the credit reporting. The supervisor told me she would make a note to the account and I could dispute it. Which I did, two times with XXXXXX/XX/XXXXand two times with all 3 bureaus No one removed the 30 days late. This is unfair and It was a result of a pandemic and being XX/XX/XXXX
Product: Credit card or prepaid card

Capital one did not address the issue. the issue is federal violations and the alleged debt and NOT about the account opening. 

Capital one is in violation of federal law 15 U.S. Code 1666d.Treatment of credit balances.Whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( 1 ) transmittal of funds to a creditor in excess of the total balance due on an account, ( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall ( A ) credit the amount of the credit balance to the consumers account ; ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months, except that no further action is required in any case in which the consumers current location is not known by the creditor and can not be traced through the consumers last known address or telephone number. 

Capital one is stealing the consumer/original creditor credit! 








15 U.S. Code 1666a - Regulation of credit reports ( a ) Reports by creditor on obligors failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligors credit rating or credit standing because of the obligors failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. 


15 U.S. Code 1681b - Permissible purposes of consumer reports 18 U.S. Code 1028A - Aggravated identity theft ( the Consumer Never gave authorization the capital one to sell my information and report ANY negative information to XXXX, XXXX, XXXX  or any credit reporting agency. 

15 U.S. Code 1692g Validation of debts ( capital one refuse to validate debt and continue to send monthly statements 15 U.S. Code 1692d - Harassment or abuse ( capital one is harassing the consumer by threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. capital one reporting late payment without authorization is damaging the consumer/original creditor person. 

15 U.S. Code 1692f. -Unfair practices 15 U.S. Code 1692b. -Acquisition of location information 15 U.S. Code 1692e.False or misleading representations
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient has a history of misapplying payments on my student loans. As they've admitted in the past, there were delinquent marks on my credit ( and co-signer ' credit ) for years that they refused to fix, in addition to late fees. I filed a previous complaint against the company, Navient. Navient admitted to issues with the payment processing on their end and stated payments were set up incorrectly. I previously spoke with their office of the consumer advocate ( associate XXXX XXXX XXXX about a year ago with respect to this issue. 

Since then, I've had to renew my payment plan. I recently received correspondence that my account is being reported over 40 days past due with late fees/credit reporting again. I contacted Navient, and they stated that the payments are again being applied incorrectly on their end. The recorded calls with the company will demonstrate all of this. 

It's clear at this point that Navient has engaged in negligence, bad debt practices, breach of contact, infliction of emotional distress, and the like. They are unable to competently set up a payment plan and apply payments in correctly, which has resulted in continued harassment for myself and by co-signers. I've attached proof of this non-compliance to this case in addition to a recent past due letter that I've received.
Product: Checking or savings account

Capital One offered me a no fee overdraft which I tried to avail myself of the opportunity on XX/XX/2022. I was denied the overdraft and when I called the bank to find out why, the response I got was that the system processes the " so called overdraft '' and that no live person could override the decision of the system. The first person I spoke to said the overdraft will be between {$100.00} and {$500.00} but to my chagrin, I could not get the least, the {$100.00}. The explanation another person from the bank gave was that no one is guaranteed the overdraft even after being approved. I feel the bank is just luring people to open accounts with them with the overdraft enticement only to deny them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent certified letters to the bureau asking them to please send verification of debt that is placed on my report. To date the item still remains with no verifiable proof. Here is the item : XXXX XXXX XXXX  # XXXX. Also US Dept Of Education # XXXX.
Product: Student loan

I submitted my application to FedLoan Servicing for the Temporary Expanded Public Service Loan Forgiveness. I completely qualified for the loan based on the bylaws which I have included in this complaint. I qualify because I have made XXXX on time payments to XXXX and XXXX Fed Loan servicers both XXXX subsidized and unsubsidized. I have also been a public school teacher since 2005 full time with no gaps in employment. So i followed the rules : I consolidated my Navient and XXXX loans as indicated in the Temporary Expanded Public Service Forgiveness program, sent in the application, sent verification of my employment and didn't hear anything. I then wrote a letter asking for the status of my application. I was then sent a letter stating that I do not qualify because I have only made 2 payments. THis is totally untrue and I have made over XXXX payments and completely qualify according to all of the printed information on the Temporary Expanded Public Service Loan Forgiveness site. I have included copies of all of the documentation that FedLoan Servicing has been sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/2022 XXXX XXXX XXXX XXXX, OH XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX OH XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$980.00} XXXX XXXX XXXX Balance : {$0.00} XXXX C SYSTEM ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : $ XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : $ XXXX XXXX Balance : {$110.00} CPS/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Today, I am writing this complaint to TRANSWORLD SYSTEM INC regarding the incorrect information on my account. I sent them a letter requesting for investigation of those account mentioned, they took more than 30 days to complete and they stated that they have completed the investigation. However when I pull my recent report I don't see any changes made at all. They claimed that they verified the information but how come that it is verified when the date of last activity, date opened, date of last report. 
payment history and status are inaccurate? This is not right. I understand my rights under 15 U.S.C 1681 section 602 A which states that I have the right to privacy and 15 U.S.C 1681 section 604 A Section 2.
Product: Credit reporting

XXXX XXXX XXXX Account # XXXX Please delete this from my credit report because I am only an authorized user.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, XX/XX/2019 has violated my rights. 15 U.S.C. 1681 section 604 A States I have rights to privacy 15 U.S. C. 1681 section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. $ 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C $ S 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

XXXX had loan XXXX XXXX with wells fargo XXXX XXXX XXXX XXXX had bought XXXX insurance rider added o to loan XXXX and Wells fargo and their servicing company out XXXX XXXX said you would not pay XXXX due to technical thei had to buy {$3000.00} car deliver packages hot sun XXXX XXXX XXXX  cause of accident you mad me and denied XXXX then i had to suffer and call all XXXX XXXX months finally saying CPFB would get involve but you never paid for my pai and suffering and Wells Fargo you opened many checking account savings account opther products and they still are doing it now and they XXXX XXXX XXXX XXXX on settement XXXX {>= $1,000,000}. 

They just sent letter case # reference XXXX XXXXXXXX Wells Fargo XXXX XXXX XXXX check and for XXXX years have lied to me not adress XXXX insurance pain suffering their XXXX and mediation XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been YEARS now and nothing changed. All of these companies refuse to change dispute but advise one already opened. HaHa no kidding! When does the consumer get a fair shake. It's always the lender who is correct regardless of information provided, and it always takes longer than allowed but who cares! letter 's written, calls made, emails, CFPB. Complaints in my opinion all a fraud of great magnitude designed to keep people in financial bondage! Hey the record in writing evidently confirms it! Here is Experians reply to current report which has given us a low score and adverse action just yesterday! Killed by the other two XXXX and XXXX. 

Know your rights REALLY WHAT RIGHTS HAHA A Summary of Your Rights Under the Fair Credit Reporting Act The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies ( such as agencies that sell information about check writing histories, medical records, and rental history records ). Here is a summary of your major rights under the FCRA. For more information, including information about additional rights, go to www.consumerfinance.gov/learnmore or write to : Consumer Financial Protection Bureau, 1700 G Street N.W., Washington, D.C. 20552. OPINION WHAT GOOD IS THIS? A WASTE OF TIME!!!! 
Submitted warning Disputes submission failed! 
XXXX XXXX Other reason Looks like you've already filed a dispute for this item Under Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act we won't process a duplicate dispute unless you provide new, relevant information. ] If you do have additional information, you can You can also contact us at ( XXXX ) XXXX or contact your data furnisher for more info on how to move forward. When do you correct the complaint!!!!! 

CREDIT UNION Other reason Looks like you've already filed a dispute for this item Under Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act we won't process a duplicate dispute unless you provide new, relevant information. ] If you do have additional information, you can You can also contact us at ( XXXX ) XXXX or contact your data furnisher for more info on how to move forward. 

CAR LOAN Other reason Looks like you've already filed a dispute for this item Under Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act we won't process a duplicate dispute unless you provide new, relevant information. ] If you do have additional information, you can You can also contact us at ( XXXX ) XXXX or contact your data furnisher for more info on how to move forward. ''
Product: Credit card or prepaid card

I have a AAA credit card. AAA Motorist membership placed me in auto renew with my membership card with out my knowledge. I called to dispute the charge. I was asked if the company said they would credit my account. The rep kept asking crazy questions as to what the merchant AAA motorist said. 

AAA motorist charged this card {$160.00} with out my permission. 
I tried to dispute with AAA/ bank of America . 

I down graded my membership with AAA Motorist ( XXXX ) I was to receive a new card in the mail and refund for the difference. Since that never happened I need to dispute the {$160.00} unauthorized charge