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

On XX/XX/XXXX Citi responded stated they will be reporting me as an authorized user. This has not been done to date and it has been past thirty days ( 30 ). In the letter is states " Although we do not report Authorized User for Citi accounts to the credit bureaus ... .. That information appears to be a direct contradiction to the XXXX XXXX XXXX XXXX XXXX and XXXX. It states " A card issuer must report the authorized user account to the three nationwide consumer report agencies... Please advise as soon as possible.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, Safco auto loan has been paid off in full and since, they have been reporting changes in payment history and balance increases to the credit bureaus but not reporting that the account is paid in full. I have disputed this with the credit bureaus and the disputes have come back complete with no changes. This means SAFCO is unethically practicing reporting and collections which goes against the FCRA and compliance 2. These credit bureaus are definitely not seriously verifying the information and statements that are being placed on credit reports nor the disputes from the consumers. This is causing damage in manipulating the credit scores and history.
Product: Money transfer, virtual currency, or money service

Yesterday I received a video call on XXXX, I was an adult woman, the mistake was answering the video call. After an hour of telling me that he had talked to a minor and harassing me like a XXXX, he asked me for money if I wasn't going to post my photos from the video call because he tried to capture photos of me in the video and edited it with other photos. She and her accomplices threatened me and I made the transfer to the person who is in XXXX, XXXX XXXX, it was XXXX dollars and I tried to go to the XXXX store to cancel the shipment but they told me that today, XX/XX/XXXX, I should return to the store to recover my money. I was confident that they would return my money but unfortunately the scammers had withdrawn the money, what worried me was that the girl at the shipping store told me that she had made the cancellation and that the bank was going to track it like this. I want to submit that report so that the bank responds and returns my money.
Product: Credit card or prepaid card

I opened a Citi XXXX XXXX XXXX XXXX XXXX credit card account in XXXX and at the time that I signed up for the account, Citi was offering a {$650.00} statement credit if you spent {$2000.00} within the first three months of opening the card and then later purchased a cell phone with plan from XXXX XXXX XXXX. I completed the required spending and then waited to purchase my phone until XX/XX/XXXX.  On XX/XX/XXXX I purchase an XXXX XXXX through the link provided in my Citi account for {$1200.00} ( see attached credit card statement showing the purchase ). I was told that the {$650.00} credit would post to my account within 2 billing cycles of purchasing the phone but I have yet to see the statement credit. I have contacted Citi and provided proof of the purchase of my XXXX XXXX XXXX phone but have not received the credit. Instead, Citi opened up a dispute of the phone purchase ( which I explained was not my intent ... ..I did NOT want to dispute the purchase from the merchant. Rather, I wanted the promised statement credit from Citi ). I have called Citi several times to resolve this issue without a satisfactory response.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

I am writing to file a complaint against Toyota Motor Credit Corporation ( XXXX ) for alleged forgery and fraud in connection with a Retail Installment Contract for the financing of a 2019 Lexus LC 500, VIN : [ Insert VIN ]. 

I am currently involved in a legal dispute with XXXX in the Superior Court of New Jersey, XXXX County ( Docket No. : XXXX ). In this case, I am the Plaintiff seeking a judgment declaring me to be the rightful owner of the vehicle, free and clear of any lien claimed by XXXX. 

In support of its Motion to Vacate Judgment in the aforementioned case, XXXX submitted a Retail Installment Contract as Exhibit A. Upon review of this document, I discovered that it appears to have been materially altered and contains multiple discrepancies from the original contract in my possession, including different dates, amounts, and signatures that appear to be forged. 

Specifically, the signatures on the Retail Installment Contract purporting to be mine, that of the co-buyer ( XXXX XXXX ), and the finance XXXX all show signs of forgery. I have submitted an Affidavit of Forgery detailing these discrepancies to the court. 

I believe that XXXX, as a financial institution, has engaged in deceptive and fraudulent practices by submitting a forged and altered Retail Installment Contract in an attempt to mislead the court and gain an unfair advantage in the legal proceedings. 

Furthermore, despite my repeated requests, XXXX  has failed to provide me with an accurate accounting of my payments and has not corrected the discrepancies in its records, which show an alleged outstanding balance even though I have fully paid off the vehicle. 

I request that the CFPB investigate these allegations of forgery, fraud, and deceptive practices by XXXX and take appropriate enforcement action to protect my rights as a consumer and to ensure the integrity of the financial system. 

Please find attached copies of the allegedly forged Retail Installment Contract submitted by XXXX, the original contract in my possession, my Affidavit of Forgery, and relevant correspondence with XXXX. 

Thank you for your attention to this matter. I am available to provide any additional information or documentation that may be needed for your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX  are reporting 9 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 4th dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

It has come to my attention. My personal information has been exposed in the national data breach, reviewing my credit reports, I noticed some accounts I am unfamiliar with. I have asked the CRA 's for validation of debts. However, the information has not been provided due to my information being exposed. I have submitted a FTC complaint reporting the information I am not familiar with.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following Accounts, 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 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681 ( 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. 1681-2 ( 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.

I've been a victim of identity theft and never applied for any of these accounts : Equifax : XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I was. Contacted via text from a guy stating he was a Fiancial rep for XXXX XXXX XXXX XXXX extension XXXX. He gave me the loan the filling morning XXXX. However, he told me I needed to send XXXX back for verification purposes and then he would fully release the funds. He then withdrew the XXXX and took the XXXX. This is a total con XXXX XXXX. XXXX.
Product: Credit reporting or other personal consumer reports

After sending complaints here in CFPB these unauthorized and fraudulent inquiries ( XXXX XXXX XXXX XX/XX/2024, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2024 ) is STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding these unauthorized and fraudulent inquiries that are reported on my credit report. These inquiries are NOT MINE. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/year> XXXX XXXX XXXX XXXX, XXXX, TX XXXX Subject : Delete/ Removal of Inaccurate Account due to inaccurate Reporting Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Dear [ Credit Bureau Name ], I am writing to dispute inaccurate and inconsistent information on my credit report related to the above-referenced account. This account is being reported as a repossession with conflicting details across credit bureaus. Please Delete and remove this account entirely. 
Inconsistent Payment History : XXXX reports " 120-day delinquencies '' in 2024, despite payments made as recently as XX/XX/year>. 
XXXX reports " 38 potentially negative months, '' which is inconsistent with XXXX 's " 59 potentially negative months. '' Repossession Status and Balance : TransUnion shows " 97 % paid off '' with a balance of {$1100.00}, yet this account is listed as a repossession. 
The repossession date differs between XXXX ( XX/XX/year> ) and XXXX ( XX/XX/year> ). 
Last Payment and Balance Details : XXXX lists the last payment date as XX/XX/year>, while XXXX lists XX/XX/year>. 
Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to report only accurate, consistent, and verifiable information. I am requesting : Immediate removal of this account from my credit report if verification can not resolve these inconsistencies. 
Please respond to this dispute within 30 days of receiving this letter, as required under the FCRA. I have enclosed copies of my credit report highlighting the errors for your reference. 
Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

I made a previous complaint here # XXXX the company responded but I didnt accept it. 
I do not accept the response to complaint # XXXX provided by Wellfargo because the documents/evidence submitted do not support or prove that Wellfargo did not close my retirement savings account without my consent. The evidence is unclear and does not match, much less prove that I closed my retirement account and converted it to a CD account. One document was signed in XXXX and the other in XXXX. The other reasons why my complaint would be open are stated in my feedback to the company response
Product: Credit reporting, credit repair services, 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 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this 1 of 2 account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately
Product: Vehicle loan or lease

For the last couple of weeks, I have been in contact with Ford Credit. I explained my husband was XXXX for a year and he was geographically challenged in the communication area. He had tried to make the payments and was getting a DNS server error. Meanwhile I was talking to Ford Credit and making them aware that he was XXXX with communication problems. I also explained that Im not on his bank account and they needed verbal confirmation from him in order to take a payment from me. I was having trouble connecting with him to make this happen. Today, XXXX XXXX they repossessed my car and left me with a husband whos XXXX, XXXX children, and no transportation. Im in the Country, so their is no public transportation. I called Ford Credit while they were repossessing my car and said to the gentleman that he was covered under SCRA being a XXXX XXXX with a unit for more than 180 days. This was also expressed in my communication with them prior to this day. I also told him to look at my communication over the last few weeks in regards to us trying to make the payment and he confirmed he was seeing that communication. We were only one payment behind coming up on our second payment when the communication about my husband being XXXX started with Ford credit. I left a message with my husband to call Ford while the guy was here for the repossession and that it was an emergency. He called Ford credit also and they told him that they needed a certified payment and thats why he was getting DNS server errors when he was trying to pay. They never once communicated this to me over the last few weeks, nor did they tell him? So weve been trying to pay all the while we couldnt have anyway because it had to be certified! My husband is in a remote desert area! How do they expect him to know this and why didnt anyone communicate any of this to us before the car was taken? Im thoroughly disgusted with Ford Credit and the way they handled this situation and their lack of concern for a United States Servicemember And his family.
Product: Checking or savings account

Dear CFPB, I am writing to formally file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I believe were unfairly charged to my account. 

Specifically, I incurred multiple overdraft fees for transactions with the same merchant, which I find to be excessive and unreasonable. These charges appear similar to issues outlined in recent CFPB findings involving Navy Federal Credit Union, where the institution was found to have engaged in improper overdraft fee practices. 

Details of the Issue : Bank : Navy Federal Credit Union Merchant Involved : XXXX  Dates of Transaction : XXXX ( XXXXXXXX  ) XXXX XXXX  Total Overdraft Fees Charged : $ XXXX I believe these fees are unfair and may violate regulatory standards, particularly given the CFPBs findings on similar cases.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending a complaint to notify you about my credit report. The files reported are inaccurate and erroneous and is leading to a negative impact on my credit file. I am including proof and the following information on the credit report is incorrect. I respectfully request that Credit Bureaus must take a step to update the wrong accounts from my report. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). 
XXXX XXXX XXXX XXXX : {$10000.00} ; XXXXXXXX XXXX XXXX XXXX XXXX : {$110.00}
Product: Money transfer, virtual currency, or money service

I contacted cash app and chime to see who and how was someone trying to use my card information because I constantly get random charges charged to my card and they did nothing to fix the problem 's at hand but tell me they would connect me with a live agent but the live agent was a fake and none of my money or information is being protected and messing up my credit score and theres no way XXXX is trying help because I told them it was fraud and a leak in their data base to where there is people all over the world using my information and I just wan na get everything resolved before its to late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within my Transunion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit :
Product: Payday loan, title loan, or personal loan

I am a client of Discover Credit Card for a few years, and have always paid my card on time. I received an invitation to apply for a Personal loan or Debt Consolidation loan.

I called a few times to ask questions of 2 reps to make sure the credit was dinked but it was a soft credit pull.

They both said yes, and I could just proceed to see if I was approved, the mininimum credit score was XXXX I was given, and have a copy of it, and minimum income like XXXX. 
I didn ; t realize they use 5 credit bureaus and not the traditional 3 I was told I had Collection on my report, which I DO NOT and keep in mind no credit bureaus are to report past 7 years for any debt if negative.

I am attaching the Letter I sent to discover and also their information to me.

I have sent request to the additional bureaus to send me what is on my report that is incorrect.

My questions for Discover : 1 ) Why was I turned down when I had a required credit score?

2 ) Why am I being turned down with balance too high on revolving accounts when the loan you offer is to remedy that???

3 ) Did Credit scores requirements change with Covid?

4 ) ARe you discriminating against me as I am XXXX? 
5 ) why do you use obscure credit bureaus that the Average person doesn't normally use?

6 ) Why are you baiting good customers like me when you don't approve it?

Please see attached and let me know what they can do to offer an approval.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  erroneously reported late payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Over the course of two months, I have been contacting XXXXXXXX XXXX to update my credit report to reflect accurately regarding those payments. I received written letters stating that all three bureaus were updated with correct payment information in XX/XX/XXXX. I continue to file multiple disputes because those incorrectly reported late payments are still there ; every dispute winds up being closed with the determination that " data furnished by provided is correct '' when the data is not correct. Additionally, my family suffered financial hardship and were impacted by Covid-19. We were late on payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. We had contacted our lender and were assured we would not be reported late nor would we be charged late fees. Well, they did not charge us late fees but they continued to report us late to the credit bureaus despite the fact that we suffered a delay in income because of Covid ( I had just had our XXXX  child and my XXXX pay was delayed because of the overwhelming influx of new applicants to the unemployment/XXXX system ). Please assist to the best of your ability as these remarks are causing significant damage to our credit score.
Product: Debt collection

I sent the requested additional information to Midland Credit Management via USPS on XX/XX/year> for complaint XXXX. Please remove the account referenced in the attached file as it does not belong to me.