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

On XX/XX/XXXX, the merchant XXXX XXXX in XXXX, credited my credit card account for the amount of R {$8700.00} ( approx. {$1800.00} ) which I never received. The merchant sent a document confirming this credit to my credit card ending XXXX, which is the one I had used to make the original purchase, but was later replaced by PenFed Credit Union in XX/XX/XXXX due to a loss of it. I have tried repeatedly to get a response as to how to obtain this credit I am due, and have been unable to so for the last five months. They now claim that the time to make a charge dispute has lapsed. However, this is not a charge I am disputing, but rather a pending credit to my account. This is absolutely unacceptable and a violation of my rights as a customer. Please find attached a copy of my first letter to PenFed, a copy of their response, and the referenced transaction with authorization code.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax and XXXX for failing to properly investigate my complaints and disputes regarding inaccuracies in my credit report. Despite my submissions, I both Equifax and XXXX consistently responded within XXXX 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 the disputes. Furthermore, XXXX and Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure both Equifax and XXXX complies the federal law and provides consumers with the necessary proof of investigation. The following accounts I have reported are : XXXX XXXX XXXX XXXX Repossession, as neither dealerships gave me a deficiency notice yet reported to my credit as that is against the Fair Debt Collection Practices Act ( FDCPA ), recent credit pulls for inquiries about car loans, and loans from school as they shouldnt be sent to any collections.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

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 XXXXXX/XX/XXXX
Product: Vehicle loan or lease

I bought a car on Friday XX/XX/2020 from XXXX XXXX XXXX. Saturday I found out my hours have been cut due to Covid-19. I took the car back to XXXX XXXX XXXX  Sunday XX/XX/2020 as soon as they opened to inform them that I would have to bring the car back because the financing will not go through once the company calls my job to verify. So the XXXX XXXX XXXX tells me that the deal is sealed and I would have to just have to have a repossession. Now I didnt sign the documents ( contract ) until almost XXXX that Friday night, and all banks close at XXXX the latest. So he said well when the bank calls once they verify we will return you the car and I will be able to get my down payment back. I get a call today from the General Manager XXXX XXXX and he tells me that the deal is sealed. I contact the financing company Kia Motor Finance and this company tells me the dealership is supposed to verify they just manage the payments and thats it. So I call the dealership back and I let them know what the financing company has stated and to let them know that my HR has not received a call to verify my income from the dealership and or the financing company. So how could I get approved for financing without correct income. The GM XXXX XXXX tells me they dont have to verify that information on a loan! That now how its done! And the deal is seal! I informed him that I am aware that all deals that are contingent upon financing has to be verified and I havent had the car over a week. And if they would have verify my income status I wouldnt be approved for the loan! He stated again that he doesnt have to verify to get me approved for a loan through a financing company. Now Im in a situation that I technically wouldnt be in if the bank or the dealership wouldve verify with my job!! This is illegal and Ive never heard of a company loaning out lump sum of money without making sure a customer can repay them back they money. I feel like the company XXXX XXXX XXXX  didnt verify my information because they knew they would have to return me my down payment and they decided to push the deal through even though they knew of the situation that just occurred and they want this deal instead of what is in the best interest of the customer. This is illegal and it need to be fixed immediately. I asked for the Owners Name and number and no one at the dealership wanted to give me his information XXXX XXXX said I would need to do research to get his information. But the business XXXX XXXX XXXX said I would have to get his number from XXXX because that information comes from him!! I am getting the run around! I hate I purchased a car from XXXX XXXX XXXX They are Frauds!! This is so horrible how dealership treat people! Especially in such a short time!! This is sad!
Product: Debt collection

XXXX XXXX XXXX has added a debt to my credit report that I have no knowledge of. The amount of the debt is {$170.00} and I am requesting this amount to be removed. The date this account was opened was XX/XX/2023. This negative reporting of an account I have no knowledge of has affected my ability to obtain future credit and it needs to be removed ASAP. I have sent a request to the company to have a debt validation letter sent to my address along with the original application with my signature for this account. If the company is unable to provide this information I am requesting for this account to be removed from my credit report. 

I have filed a dispute with Equifax and they have somehow confirmed this account belongs to me when it obviously does not.
Product: Credit reporting or other personal consumer reports

CFPB, I fill that XXXX, EQUIFAX are giving me the run around about the XXXX XXXX XXXX account. Again I've disputed this account XXXX times XXXX XXXX the phone and XXXX on there website both of these companies are interfering with my personal life, and I'm not happy about. CFPB, I did a dispute over the phone with XXXX and they removed the XXXX XXXX XXXX  account from my credit report because XXXX, understood losing my job during the XXXX CRISIS wasn't my fault again how could anyone pay bills if they don't have a job. That's what's going on in the world today is judgement and I fill that both companies are judging me, and I see it clearly. CFPB I will upload screenshots of XXXX deleting that XXXX XXXX XXXX ACCOUNT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Just checked my Equifax report and found that my score had been reduced XXXX points and I have NOT paid any creditor late. I disputed payment had occurred in XX/XX/2018 on the XXXX XXXX account but was corrected by the Company. I contacted the the company but was just given general information and told to contact a local lender
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX/Equifax/XXXX  was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to UPDATE immediately : XXXX : XXXX XXXX XXXX Balance : {$260.00} Equifax XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX  XXXX XXXX Balance : {$260.00} XXXX : XXXX XXXX XXXX XXXX : {$1400.00} XXXX  XXXX XXXX Balance : {$260.00} XXXX  XXXX Balance : {$13000.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The listed account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

XXXX acct : # XXXX 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 : State 's a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information in my credit report was incorrect when I looked into it. In accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ), Experian, XXXX and XXXX must authenticate these accounts. ( A ). Treating these reporting accounts as unverified information without presenting evidence within the allotted legal time frame is unacceptable. Both XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) are mentioned. ( A ), kindly look at the following unverified accounts : XXXX XXXX XXXXXXXX Balance : {$9700.00} XXXX XXXX Balance : {$800.00} XXXX  XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit card or prepaid card

On XX/XX/2022 at XXXX XXXX XXXX XXXXXXXX EST my Chime Credit Builder Card was fraudulently withdrawn a total of {$500.00}. When I noticed the charges to my account I immediately called Chime on XX/XX/2022 to open a dispute against the fraudulent charges. I was told by chime they do a thorough investigation into disputes & they take up to XXXX business days with a minimum of XXXX business to resolve the matter. I sent documentation showing my time card & the fact the where the money was taken off was an hour & XXXX minutes from my job location. I also have proof I used my card in the area I work which is XXXX, XXXX & the atm used for the fraudulent withdrawal was XXXX, XXXX. There is no way possible no matter how fast I would not be able to be back in the XXXX area within XXXX minutes of my next transaction that I actually made using my physical card. Chime did not look into the facts & the documentation laid out pointing to this being fraudulent charges made on XX/XX/2022 at XXXX PM XXXX & again at XXXX XXXX XXXX. Chime closed my dispute within XXXX business days after starting the investigation, chime was given all the documentation needed & requested. Chime closed the dispute by Monday XX/XX/2022 stating the charges were not fraudulent & were authorized. I then called chime again to open the dispute again on XX/XX/2022, within hours of reopening the case & forwarding information to chime again proving the charges were fraudulent they closed the dispute again stating they stand behind their initial decision that the charges were authorized. Chime is the worse Bank & doesnt not protect their consumers.
Product: Checking or savings account

On XX/XX/XXXX I purchased an Official Check ( # XXXX ) for {$12.00}, XXXX against funds in my checking account to pay my property taxes. On XX/XX/XXXX I called Citibank 's customer service to place a stop on the check because it never reached its destination. I was told I had to do it personally at a branch. On XX/XX/XXXX, I went to the branch ( XXXX ) where I purchased the check. I was told I had to fill out forms and that it would take 90 DAYS before I got my money back. When I asked why it had to take so long I was told that was the policy ( with no explanation as to why ). The banker did mention it would be faster if I returned the actual check. The bank would then just re-deposit it into my account. I left with the forms and spent the next two weeks trying to recover the check via the US Postal Service, but I was unsuccessful. On XX/XX/XXXX I returned to the branch with the stop payment forms filled out. The banker took the forms and informed me that it would cost me {$30.00} to process the stop payment. Later that day the banker informed me that I would have to deposit {$5.00} to my account to process the stop payment. Later that evening I deposited {$12.00} via an ATM machine. On XX/XX/XXXX I emailed for an update and was told that the stop payment was being " re-processed ''. Four days later on XX/XX/XXXX I received another email stating that my stop payment order had not been processed because I had not deposited any money as instructed. This is the worst customer experience I've ever had with a bank. There has been no effort to be helpful to me. First, Citibank insists on essentially holding MY MONEY hostage for 90 days and now Citibank is dragging its feet to place a stop payment on a check for over $ 10K of MY MONEY. Why is a bank permitted to do this to a customer? This has been an unbelievably frustrating experience.
Product: Payday loan, title loan, or personal loan

I sent over my amount of monthly payment. I sent {$200.00} for a payment of {$160.00} with a note to use full amount of check towards my balance and to please mail me a receipt. My check was deposited but only for {$160.00}. So where did my {$33.00} go? They just did my regular payment amount. I called 3 times for a receipt to no avail. I finally called main office in XXXX XXXX to report what happened and they said they would investigate. I had already spoken to the local manager and she said to me that they had gotten confused with the money cuz they had ordered food. I asked her arent you suppose to balance daily and she said yes but couldn't explain. To this date I don't have a receipt for the {$33.00} that were not applied. These people are not trustworthy.
Product: Credit reporting or other personal consumer reports

**Dispute of Negligence under Section 1681o of the Fair Credit Reporting Act** I am writing to formally dispute a violation of my civil rights related to negligent reporting under the Fair Credit Reporting Act ( FCRA ), Section 1681o. It has come to my attention that there is an error in my credit report, failure to correct inaccuracies, failure to investigate disputes properly, It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681 c. ( a ) ( 5 ) 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 seven years. 15 U.S.C 1681s-2 ( A ) (! ). 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. The accounts that are in violation of my rights are listed below 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I fell behind on my loan, I know for a fact that I've never been 30 days late. If i know I can't make my payment I usually set up a deferment. Granted my last payment was XX/XX/year> of XXXX Westlake usually sends out an email advertising " that they're here to help '' offering a payment extension and for XXXX and XXXX. I do not have the exact date I called for an extension but it was offered and supposedly denied which has never happened to me. I receive a notice dated XX/XX/year> saying I was in default. So I'm going to assume I made the call before that day and before the due date of XXXX Westlake XXXX that they called me multiple times and even reached out to a job. I have no records of incoming calls from Westlake. If you could please provide a number that you call from so I can look. As I explained to the rep why I was falling behind, that I was in an accident. Which made me depleted my savings to keep a roof over my children 's head. After just totaling my motorcycle and recently cleared to go back to work. I walk outside and my property is missing. To be honest I didn't pay attention to the letter because I just made the deferment. I feel that you did not contact properly do to the situation a second letter could've been mailed out or even a voice message. Now your charging me all dues up front plus repo fees, on top of past repo fees that I already paid for, Late fees and XXXX fees is a little extreme and the fact I no longer have Gap insurance and the cheque was credited to the principles account that's odd. but nevertheless I do have a couple attachments, you are here now put on notice I, XXXX XXXX XXXX XXXX, hereby revoke any and all powers granted to Westlake financial services and XXXX XXXX XXXX concerning the title, registration, or any other actions related to the vehicle described above with the XXXX XXXX XXXX XXXX  ( XXXX ). This revocation is effective immediately, and I've also requested that XXXX cease any recognition of Westlake or XXXX as having authority over the aforementioned vehicle. You are now put on notice of Notice to XXXX.
Product: Credit reporting or other personal consumer reports

i did contact company and ask that they remove the incorrect names and address off my account
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has not provided me with a way to check on the status of two disputes I have submitted on my credit report : Creditor : XXXX XXXX XXXX XXXX # XXXX XXXX and Creditor : XXXX XXXX XXXX XXXX I have attempted to get the status on the website but it sends me in a loop. I log in and then it brings me to another login page again over and over. I attempted to get answers via their XXXX page and they referred me to their customer support number which I called and waited on hold with for 25 minutes on two separate occasions where I was disconnected both times.
Product: Credit reporting

Checked my credit report and found there was a hard inquiry for XXXX that I did not authorize. I did not apply for ANY credit on XX/XX/XXXX. This is being reported at XXXX of XXXX credit agency.
Product: Debt collection

In XXXX of XXXX i closed my XXXX XXXX service and i also turned in equipment used. On XX/XX/XXXX I received mail and phone calls stating i owed on the account. I asked for verification by mail on XX/XX/XXXX ; I never received a reply from Convergent Outsourcing about the collection. I disputed the collection with all three credit reporting agencies numerous times. On XX/XX/XXXX I requested another verification of the account and was mailed a bill with a date in XX/XX/XXXX after i paid and closed the account. The bill that was sent had no description of charges, only a total due and my name.
Product: Credit reporting or other personal consumer reports

These inquiries are not related to me, and I have no ties with the named creditors. I request their immediate removal from my credit report. 
XXXX Date of inquiry : XX/XX/year> XXXX XXXX  Date of inquiry : XX/XX/year>XXXX XXXX TV Date of inquiry : XX/XX/year>
Product: Money transfer, virtual currency, or money service

I have an account with Robhinhood. I have requested to withdraw my money ( {$18000.00} ) and It was denied. They placed a restriction on my account and have asked me to provide documents such as ID, selfie, and bank statements. I have provided all the following and they still refuse to lift the restriction of my account. It has been XXXX days and I just want to be able to access my money.
Product: Student loan

My parents took a student loan out in my name when I was a teenager. It shows up in multiple ways on my credit. All preventing me from going back to school. I am now XXXX  and just want to better my life and my childrens. I cant do that if I cant pay for school. I tried to rehabilitate and could not.
Product: Checking or savings account

My Wells Fargo account has been open since 2009.I had {$15000.00} in there checking account.Had a direct deposit connected and money was being saved up there.However I recently went in to check it to make sure everything was adding up and there where no funds in there at all.No one has access to the account it is private.Therefore there must be some sort of account glitch or fund glitch.Im not sure but I would like all of my money to be issued back to my account so I can find another bank.I had also been issued a loan of {$20000.00} it was approved and signed by me but the funds never hit the account.So im not sure if the bank is scamming but I want no parts of it.I would like my money returned so that I can find a more reliable bank.
Product: Credit card or prepaid card

The Credit Card company increased my Credit Line without my knowledge. They sent a message after the fact which also stated that I could have my limit returned to the original if I called the company. When I called, I was informed that reducing my credit limit would adversely affect my credit score. I was placed on hold for 17 minutes before I hung up and called back and spoke to " XXXX in XXXX ''. She informed me that there is a clause in my agreement that allows them to increase my credit limit. It is a feature that I could turn off ; which I did. However, I did not reduce my limit to avoid the penalty to my credit score.I was then turned over to a supervisor who quoted the policy a number of times. 

I simply would have liked a notification prior to the increase so I could make a decision about my own finances. This is a form of fraud to me because they increase their value through our fractional lending system without actually having the money to back up what could negatively affect my credit. According to my financial adviser, I need at least two credit cards to increase my credit score. This increase can have negative consequences in my getting approved for that second card.
Product: Debt collection

Payment arrangement made with XXXX XXXX XXXX XXXX Account # XXXX of {$430.00} from an original Debt due to XXXX XXXX  of {$1700.00} ( XXXX  Account # XXXX ). 
I agreed to the offer in date XXXX and made first payment of {$73.00} that was suppose to go on for 6 months. 
Made first payment on XXXX and after that they did not allow mw to make any further payments, saying that the owner " retracted the offer ''!!!!!! 
On XX/XX/2024 I get a letter from an other debt collector : TSI Transworld Systems Inc. Reference / Our Account # : XXXX, saying that I have debt of {$1700.00} and that I only paid {$73.00} towards that debt. 
Can you believe that!!!!!!!!! 
Why did they cancel the Settlement which I agreed upon and started paying for???????
Product: Credit reporting, credit repair services, or other personal consumer reports

Regional Acceptance-XXXX violated 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.