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

I received an offer in the mail from Capital One Quicksilver Rewards during the week of XX/XX/XXXX. The card states I'm pre-selected for a 0 % introductory APR offer. It states on the envelope the APR applies to purchases and balance transfers.

Opening the information received, the offer continues to state the card offers a 0 % introductory APR on purchases and balance transfers. 

Upon further review of the enclosed term sheet, the card actually has a 3 % transaction fee for transfers. This fee will be " 3 % of the amount of each transferred balance that posts to your account through your XX/XX/XXXX billing period or at a promotional APR that we may offer you at any other time. '' Under Regulation Z, 12 CFR 1026.4 ( a ), and the commentary ( comment 4 ), " any transaction charge imposed on a cardholder by a card issuer is a finance charge, regardless of whether the issuer imposes the same, greater, or lesser charge on withdrawals of funds from an asset account such as a checking or savings account. '' Additionally, Capital One 's own website states : " APR vs. Interest Rate : What's The Difference? .... The APR is a broader measure of borrowing costs. It can include the interest rate plus other costs, such as transaction fees and discount points. '' Date, XX/XX/XXXX, source - https : //www.capitalone.com/learn-grow/money-management/apr-vs-interest-rate/ # : ~ : XXXX % XXXX % XXXX % XXXX % XXXX, to % XXXX % XXXX % XXXX % XXXX. 

In summary, advertising this particular offer as " 0 % introductory APR on balance transfers '' is inaccurate and deceptive. The regulatory definition of finance charges clearly includes these transaction fees and would require their inclusion into the APR disclosed. Advertising the promotion as 0 % introductory APR on balance transfers when the offering literature discloses a 3 % transaction fee misleads customers : Customers open the offer expecting a truly 0 % ( no fees ) offer, and then are disclosed a fee. This appears to be a bait and switch tactic. 

Capital One appears aware of the difference between APR ( which includes finance charges, like a transaction fee ) and interest rate, as evidenced by their website quote, yet is not utilizing this knowledge in preparation of its marketing materials.
Product: Credit reporting or other personal consumer reports

I tried to contact company and no response and I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. Account Nam
e : XXXX XXXX XXXX. 
Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES : XXXX - XXXX XXXX XXXXXX/XX/2022 According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

SAFCO is reporting this account inaccurately by stating that it was voluntary repossessed '', SAFCO does not have a signed waiver or any agreement at that that states that I gave them possession of my vehicle that I obtain extending my credit. I am making this complaint to make you all aware that safco and the consumer reporting agencies are causing substantial harm and ruined my reputation due to this inaccuracy of reporting. Pursuant to 15 usc 1681e ( b ) the consumer reporting agencies have a duty to keep my report accurate as they assumed this vital role 15 usc 1681 ( a ) ( 3 ). Safco has knowingly report this false and misleading information because when I have call earlier their excuse to marking it as a voluntary repossession was not authorized by an written and or express agreement to do so. I value my reputation and entrusted SAFCO and the consumer reporting agencies to keep everything accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I review a copy of my credit report and I show account with XXXX/XXXX  account number XXXX is listing as non-verfied account. I have attempted on a number of times to have this account review with no luck. I have be violated per the FRCA and aslo FDCPA. I will need help for deletion of this account due to attempting to purchase a home.
Product: Credit card

Preface : The matters outlined herein delve into the multifaceted intricacies of financial transactions and roles. For a holistic understanding and apt resolution, we recommend that this complaint be scrutinized by personnel possessing a deep-seated knowledge of financial nuances. 

I. Issue 1 : Mischaracterization of Roles. 

Description : PayPal has inadvertently conflated the roles, erroneously designating the complainant as the principal debtor when they are in fact a third-party surety. This error breeds confusion concerning the distribution of responsibilities between PayPal and the genuine obligor. 

II. Issue 2 : Ambiguity Surrounding Financial Instruments. 

Description : While the mainstream perception is that entities like PayPal proffer credit to be repaid subsequently, in a specie-devoid economy, a plethora of negotiable instruments exemplified by securities like T-bills, commercial paper, money orders, CDs, drafts, cheques, and bank drafts can be liquidated. Although this practice might align with current regulations, its underlying intricacies have been obscured, potentially leading to misinterpretations.

III. Issue 3 : Nuances of Security Interest and Subrogation Rights.

Description : PayPal retains a security interest as per the agreement. Ideally, this interest should actuate the settlement of the principal debtor 's obligations through assets, notably securities, from the debtor 's estate. Moreover, the right of subrogation, which may allow the third-party surety to substitute certain rights in lieu of PayPal after addressing the debtor 's commitment, remains ambiguously defined. This pervasive security interest, active irrespective of a default, suggests unforeseen implications for the surety, particularly concerning potential subrogation rights.

IV. Issue 4 : Comprehensive Transparency in Investment Reporting.

Description : While PayPal engages with a myriad of financial instruments, its disclosures during stakeholder meetings seem to lack granularity, prompting a more in-depth review. 

Note on Prior Communication : Engagements have been initiated with PayPal 's legal department about specific unfavorable conditions in the contract, especially the clause conferring them a security interest. Though a direct alteration to the contract was deemed infeasible by PayPal, an appeal for a mutual equitable arrangement was proffered by the complainant. A conclusive response to this proposition remains outstanding.
Product: Credit reporting or other personal consumer reports

there has been false reports on my Equifax and XXXX XXXX. I also had identity theft at one time. My credit seems to be all over the place when it was excellent. I don't know half these charges on my account and I'm trying to dispute this stuff and I can only do one at a time and I'm not exactly sure how to fix my credit
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 


Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX. 
Account Number : XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES : XXXX - XXXX XXXX  XX/XX/2022 XXXX XXXX XX/XX/2022 According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive filed bankruptcy and discharged back in XX/XX/2020. Self lender along with XXXX major bureaus. XXXX XXXX and XXXX continue to investigate my dispute and come back with verified as accurate. Ive called self who confirms they received notice of bankruptcy and have advised bureaus of information. Im not asking for this inaccurate info be removed as its been inaccurately reporting causing damage to my score and Ive just obtained new auto loan and interest rate was for sure impacted by this negative item. Im requesting this be removed immediately from my report and documents sent to me advising of such removal
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items deleted from my credit reports effective immediately. I have attached proof that XXXX has admitted that I was a victim of this breach and that XXXX has done nothing. Please help me have the items from XXXX, XXXX and TransUnion removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Affirm has not reported my previous history of loans and has failed to update the credit beauros with the updated status of each of my previous loans. I have submitted a dispute to XXXX and XXXX in effort to have my credit report updated with my full history of loans with Affirm. Unfortunately, this process has been slow, and they have not reported the loans. This is a violation of my rights, and I am requesting assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I reached out to Experian on XX/XX/20 and couldnt get my personal information corrected on my credit report. Im requesting the information on my credit report to be corrected the only name I should have is XXXX XXXX. 
Thanks
Product: Debt collection

Citing PERMISSIBLE PURPOSE -Fair Credit Reporting Act A furnisher must not furnish inaccurate consumer information to a CRA XXXX and furnishers must investigate a consumer 's dispute that the furnished information in inaccurate or incomplete. If ANY information has been deleted from a consumers file and is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the CONSUMER for that purpose, by any other means available for that purpose. Please find attached proof that this company has reinserted an inaccurate account that had already been deleted by XXXX  from the XXXX report XX/XX/2021. This reinsertion of erroneous information that was previously deleted is AGAINST THE LAW and needs to be removed expeditiously.
Product: Credit reporting or other personal consumer reports

In XXXX I requested a copy of my LexisNexis report. When I received it, I noticed incorrect information and a telematics section. The telematics data on my report seemed to specifically track accelerations and breaks. This information was placed on my LexisNexis report creditors and insurance companies to access. There were also false reports of at fault accidents. 

I called Lexis Nexxus multiple times but could not reach anyone. I followed the instructions of their automated system and sent an email with my dispute, questions and concerns to XXXXXXXX The first communication was sent on XX/XX/XXXX to which I received no response. I sent a follow up email on XX/XX/XXXX. Again, no response. Another follow up email was sent on XX/XX/XXXX to which I received no response. 

Each time I called I was again directed to send an email via their automated system. 
When I finally reached someone in XXXX, she would not acknowledge my dispute, listen to my concerns or answer any questions. Her only response was " have you requested a new report ''? 

I need to know why this information was accessed without authorization, why it was on my credit report and have all disputes reported reviewed and resolved. I also need to know which companies accessed my information. 

I believe that I'm paying too much for insurance and that I've been denied coverage as a result of the information on my report. LexisNexis should be required to respond to my dispute and inquiry due to the impact their poor reporting.
Product: Credit reporting or other personal consumer reports

I had Experian and Ive been waiting for my update and I cant see it. I called them after XX/XX/XXXX cause it wouldnt update and they gave me the run around saying that I should refresh on its on and nothing happened
Product: Checking or savings account

This happened on XX/XX/2021 around XXXX XXXX .I deposited $ XXXX {$1400.00} at the ATM # XXXX at the Branch on 5XXXX XXXX XXXX., XXXX, CA Branch # XXXX . I click on the email button expecting to receive thereceipt of my deposit via email but never got an email from CITI Bank and the money was not deposited in my account.
Product: Debt collection

I'm a week late on my car payment. They call me every single day from morning to night. Between XXXX calls a day non stop. It's harassment.
Product: Bank account or service

Bank of American changed my information mailing address, contact information without informing me. They can not tell me who did it or why. They then transferred all my funds out of the account to an unknown address. fraudulent activity was occurring in this account without my knowledge. I have filed a complaint as well as a fraudulent claim with Bank Of America. They have not responded and I can not get ahold of anyone to help me resolve this issue. The lack of concern over what was done to my account is alarming to say the least. I have no even received a phone call for any kind of follow up! I filed a police report as well as a letter to B of A Headquarters.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate without providing any evidence of thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 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 XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with the necessary proof of investigation.
Product: Debt collection

I purchased a car in XXXX XXXX, and it is financed by Westlake Financial. They called me and my employer numerous times, to the point I had to tell them I would be written up because due to confidentiality we are not allowed to receive personal calls in the job. They continued to call. They requested all types of documents ( that I did not have to provide when purchasing a home or any other vehicle before )! 

My payment is due on the XXXX of every month, but I have a 10 day grace period before I am late. However, on the XXXX they begin harassing me and will call my phone 3-5 times or more everyday!! I have told them I am NOT allowed to receive personal calls on my job and to contact me by email or postal mail & ONLY if I am past due ( after the XXXX )! I have NEVER been past due & they still call back-to-back!! Ive tried blocking them and they will call from various numbers, now early in the mornings or late at night ( even on Saturday & Sunday )! I have asked my car salesman to trade this vehicle or refer me to someone for refinancing because I have NEVER been harassed by anyone like this before!!
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against TranSunion regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/year>, I discovered discrepancies in the following account ( s ) : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX ( account number : XXXX ) XXXX XXXXXXXX XXXX XXXX ( account number : XXXX XXXX XXXX XXXX XXXX XXXX ( account number : XXXX ) Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, TranSunion has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness.

In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated XXXX period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.
Product: Credit card

I received a denied credit card application from chase cards in XXXX of 2024 that i did not apply for and was denied due to low credit score. i called them to let them know and also placed a fraud alert on my credit report. In XXXX of 2024 received another denied credit card application from chase cards again that i did not apply for and it wasnt denied due to the credit alert it was denied due to low credit score. when i reached out to chase again i asked how they could have processed this without reaching out to me to confirm my identity. they would not answer my question and told me the application wasnt fully processed even though i had recieved confirmation in the mail that it was indeed processed and i had a credit inquiry from them on my credit report. I feel strongly that this application should have never gone through with the active alert on my credit report and i think they should be held accountable for not doing their due diligence
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX account # XXXX was removed from XXXX report XX/XX/2018 unverified/inaccurate account Transunion & XXXX please remove & delete false account immediately
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, EQUIFAX, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX