23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

i was scammed through a person on XXXX by the time i realized it. i tried to contact zelle and but it was on non office hours so i wanted until morning. i contacted XXXX XXXX and they said they werent able to get the funds back because it was through zelle. zelle is letting scammers get a way with it. we should be able to dispute this transaction
Product: Credit card or prepaid card

Without my required permission of credit report service, Tu*Transunion XXXX XXXX XXXX CA had been charged my XXXX XXXX  master cards total {$660.00} from XX/XX/XXXX iniial {$1.00} to XXXX XXXX {$21.00} total 30 transactions which were {$21.00} every first day of the month fromAug. XXXX to XXXX XXXX and XX/XX/XXXX 4 times each was {$21.00} ; and from XXXX XXXX to XXXX XXXX were {$27.00} each months. Because I did not check my statements I did not know the charges untill XX/XX/XXXX, I found the unknown charges. I called Transunion XXXX XXXX XXXX and XXXX XXXX XXXX or emailed to tui XXXX many times and spoke to XXXX XXXX and manager also, so far I only get 5 transactins credit back, now I hope you can help me to get all 30 transactions back .Thanks!
Product: Credit card or prepaid card

On XX/XX/XXXX multiple fraudulent transactions were charged to my Barclay credit card in the amount of {$1000.00} from XXXX XXXX XXXX and again on XX/XX/XXXX multiple fraud charges from XXXX XXXX XXXX of {$990.00}. I disputed these charges last year and all but these two charges were returned to me possibly due to an oversight because of the same dollar amount on the same day. In XXXX XXXX XXXX, I contacted Barclay to let them know these had not been refunded, they apologized for the oversight and told me in two weeks they would be credited. It is now almost 6 months later and Barclay has been giving me a run around, I have spoken to the fraud department, I have spoken with multiple managers, I have waited the " two billing periods '' for the refund and no resolution. Every rep has acknowledged the oversight and most recently when I last called again on XX/XX/XXXX the rep stated she has no estimated time on when this may be resolved which is absurd. For over a year now, this oversight and lack of action on Barclays behalf has negatively affected my credit score, my debt to income, and the amount being charged in interest is very high on money that is due to be refunded.
Product: Credit card or prepaid card

I have a loan with NAVY FCU. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and NAVY FCU with no successful resolution. XXXX and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke to XXXX XXXX, a Mortgage Banker with Rocket Mortgage NMLS # XXXX a couple weeks ago asking about the products they offer. 

He started asking for personal identifying information at which point I stopped him and explained I was not applying for anything. I just wanted to know if a certain type of mortgage product existed ( a home improvement loan above 80 % XXXX ). He responded that he understood and we were just collecting information to answer the questions. At no time did he mention running a credit check ( because I would have said NO ). 

After speaking with him and determining the product I was interested in was not offered by them I ended the call and received a notification from XXXX XXXX that someone had checked my credit. 

I called and complained because they ran my credit without my permission. I spoke to : XXXX XXXX Associate Resolution Advocate Rocket Mortgage T ( XXXX ) XXXX F ( XXXX ) XXXX She had to research and got back to me a week later stating that the banker asked my permission and I consented. I said I did NOT and she asked me what did you think your social security number and date of birth were for? She was very condescending and unprofessional which I imagine comes in handy when you have to lie to customers what actually took place in a converstation. 

I provided that info because it was specifically asked for ( which is what prompted me to Pause the conversation and clearly state I was NOT applying for anything ) I went out of my way to clarify I was only asking a product question and they ran my credit without permission. 

I have an excellent credit rating so it should be clear I dont wander around allowing banks to run my credit. 

This is plain and simple dishonesty and a breach of ethics while handling my personally identifiable information. 

See attached files. This inquiry no doubt knocked my rating from Excellent down to good. This can not be tolerated for such a mainstream company like Rocket Mortgage.
Product: Student loan

I have been horribly mistreated by SallieMae, followed up by the same treatment from Navient, so I will never talk too them again. This company was aware of my XXXX XXXX XXXX when my private loans were taken out, because I told them about it, after I graduated and had a major relapse and can never work, they act surprised, and completely unwilling too help me at all.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence | provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, disputed items despite the evidence | provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.I want the CFPB to publish description on consumer and remove all accounts immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act ( XXXX XXXX XXXX XXXX ) Account # 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.
Product: Credit card or prepaid card

I WOULD CALL CUSTOMER SERVICE THEY ADVISED THE PAYMENT MADE WAS OK I LATER RECEIVE A LETTER FROM COLLECTION AGENCY SAYING THEY WAS IN CHARGE OF THE ACCOUNT YET I LOGGED INTO MY ACCOUNT AND SCHEDULED THE PAYMENT AS AGREED BY THE AGENT I CAN NOT PAY THE CREDIT CARD COMPANY AND THE COLLECTION AGENCY AT THE SAME TIME FOR THE SAME ACCOUNT THIS IS TRULY AN ERROR IF THEY ARE DOING THIS TO ME THEY ARE DOING THIS TO MANY OTHER CARD HOLDERS MAKING ERRORS ON THEIR ACCOUNT AND SENDING THE ACCOUNT TO AN AGENCY AND STILL HAVE THE ACCOUNT OPEN RECEIVING MONEY NOR ADVISING THE CUSTOMER THAT THE ACCOUNT IS CLOSED OR IS GOING TO CLOSE.
Product: Vehicle loan or lease

I got the auto loan in XXXX  and my interest rate was supposed to be 13.33 percent. Going back into my account I noticed my interest rate is 24 %. I also noticed that ever since I have had the loan that hardly any of the money I have been paying the company is going towards my principal. Instead my payments are going towards my interest, making it nearly impossible for me to ever pay off my loan.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

We closed on our home XX/XX/2022 and the payment was disbursed to PHH mortgage in the amount they stated was due. Afterwards, they changed the amount they say they are owed and still can not tell us what is owed to clear the loan. In the meantime they have strung us along with no answers and have damaged my credit reporting about a loan that had the money sent to them and we do not own.
Product: Credit card or prepaid card

On XX/XX/XXXX my bill for account AMERICAN EXPRESS Opened XXXX. XXXX, XXXX did not go through when it was on the auto-bill in the bank XXXX XXXX. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion needs to fix the issues about the inaccurate information for the Repossession reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the account since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here is the account that I am disputing : Repossession : XXXX XXXX XXXX XXXX Balance : {$7900.00}
Product: Credit reporting or other personal consumer reports

I recently looked at my credit report and saw a hard inquiry that did not have permissible purpose. 

XXXX XXXX XXXX XXXX XXXXXXXX ) This inquiry has no permissible purpose to be on my report. Please delete this inquiry due to violation of 15 USC 1681b.
Product: Credit card

Chase rejects customer payments claiming that they should not be made more often than every 3 days. While that may work for more financially secure, Chase makes credit unobtainable for working class people by preventing multiple payments as occurs when one pays the minimum by the due date and then seeks to pay more before the end of cycle but can not. Chase claims US federal anti-moneylaundering laws require this but does not cite the laws. This is a scam. The US does not prevent people from making payments, Chase poorly managed AML software prevents payments. Chase uses AML efforts as a pretext to incur fees and damage credit of those who manage their money wisely by making multiple credit card payments in a billing cycle. Chase conceals the payment prevention program and causes cardholders to take time away from working our regular jobs to working for Chase trying to figure out how to make a payment. Chase thus damages the credit and limits opportunities for cardholders in addition to making cardholders vulnerable to fees because of the payment prevention program justified by anti-money laundering.
Product: Credit reporting, credit repair services, 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. 

The letters are stated with items and issues.

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

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; CHILD SUPPORT ENFORCEM XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit card

Capital One contacted me by telephone, leaving a recorded message about my credit card. They asserted that fraud was involved with the card and that they were replacing it. When I called and asked about the issue, I was told " everything was fine ''. I asked to speak to a manager about what had happened. I received no more information, other than that they were investigating fraud. 
After a month, with no explanation forthcoming, I called Capital One on XXXX XXXX, 2015. Again, I got no answer, despite talking with a manager. He said they were " investigating ''. I asked what they were investigating and got as a reply " a data breach ''. When I asked where, I got no response. 
Either the card is very insecure and, the company 's actions are questionable, or there is some major issue involved that the firm is hiding. 
Please help me find out what is going on.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm writing this letter of complaint to the credit bureau to let them know once more that I was a victim of identity theft. My desire to contest unlawful items that are appearing on my credit record appears to be completely unimportant to the credit bureau. I need the items removed from my file as soon as possible because this is a clear violation of FCRA laws. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In XX/XX/2015, I traded in my PURCHASED XXXX SUV  FOR A XXXX. I PUT DOWN {$5000.00} DOWN PAYMENT. MONTHLY PAYMENTS OF XXXX WERE DIRECT FROM MY XXXX TO M & T BANK. AFTER 5 YEARS, I CALLED THE BANK TO GET A LIEN RELEASE AT WHICH TIME I OWED A LARGE SUM. I SAID " IMPOSSIBLE AUTO DIRECT PAYMENT. '' SEVERAL EXPLANATIONS THAT MADE NO SENSE CAME WAY WITH THE ALLEGATION I SIGNED A CONTRACT FOR 85 OR SOMETHING PAYMENTS. I TOLD THERE MUST BE A MISTAKE AND FRAUDS. I CALLED XXXX XXXX AND THEY GAVE ME A FAKE PRINT OUT JUSTIFYING THE DEBT. THEY LEFT OUT THE DOWN PAYMENT. I HAVE XXXX AND XXXX STATEMENT TO PROVE {$4000.00}. AN EMPLOYEE FROM M & T BANK TOLD ME THE DOWNPAYMENT WAS {$5000.00}. AND THEY REFUSED TO GIVE ME COPY OF THE PURCHASE AGREEMENT OR BILL OF SALE SINCE I COULD NOT FIND DOCUMENTS RELATED TO BOTH VEHICLE AT ISSUE.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX keeps on reporting dispute remarks on my credit report also is not showing the car i have been paying with them on a loan. i have called and disputed this over the phone. my credit card keeps showing dispute remarks making it difficult to apply for any type of loan, credit card or i house i will be applying for in a few months. this has also transferred to the authorized users my father and girlfriend credit report. in Equifax they have stopped to show my car and are not showing my XXXX   XXXX car loan. 

this is my car and credit card that i have been paying on time please fix this issue. 
i will complaint this to my local attorney general 's office just in case this has to go to court. 
i will keep copies of everything from this day forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting inaccurate information to credit bureaus. Based on documents from XXXX they are in violation of the FCRA for reporting inaccurate information on my file. After numerous disputes with the bureaus. Contacting XXXX about the situation both refuse to follow the law set forth in FCRA. XXXX has verified false information but more unethically updated its mistakes based on the documents of proof I provided to the credit bureaus during my dispute process. They continue to report the charge-off amount falsely. The amount that was charged off is XXXX as provided in documents provided to me from XXXX XXXX. No matter how times I have provided this information to the bureaus they allow XXXX to verify a totally different amount which is the definition of inaccurate.
Product: Checking or savings account

I opened my money market account with a promotional bonus code. I was promised {$300.00} for maintaining a {$25000.00}. I funded my account with {$25000.00} dollars as required for the bonus. The bank website, offers.suntrust.com, states that I qualified for the bonus and the bonus is pending. However, while I maintained the {$25000.00}, I still have not received the {$300.00} bonus.
Product: Credit reporting, credit repair services, or other personal consumer reports

onXX/XX/2019 I contacted Experian because I noticed two of my accounts have not been updated with XXXX XXXX  on XXXX I contacted XXXX XXXX XXXX and XXXX XXXX XXXX to confirm my XX/XX/XXXX statements were sent over to all three bureaus Experian is refusing to update my credit reports my XXXX XXXX XXXX credit card should have a limit of XXXX not the old XXXX my XXXX XXXX  XXXX credit card should have a limit of XXXX not XXXX I attached statements
Product: Credit reporting or other personal consumer reports

I am now requesting proof of the previous investigation in regards of late payment on XX/XX/year>. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was late, if you can not provide me with this information in 15 days update the account to PAID/NEVER Late and send me a copy of my updated credit report.
Product: Debt collection

I XXXX XXXX XXXX XX/XX/XXXX am filing this complaint because EQUIFAX has repeatedly failed to comply with their legal obligations under the Fair Credit Reporting Act ( FCRA ). Specifically, they have violated : Failure to Comply with Fair Credit Reporting Act ( FCRA ) in Investigating Disputes. Violations of 15 USC 1681e ( b ), 15 USC 1681s-2, 15 USC 1681i ( 5 ), and 15 USC 1681c ( c ). I have sent multiple dispute letters to EQUIFAX, but they have either failed to conduct proper investigations or reinvestigations, or outright ignored the evidence I provided. To make matters worse, l have learned about the recent CFPB lawsuit against EQIFAX ( " CFPB Sues EQUIFAX for Sham Investigations of Credit Report Errors '' ), which highlights that EQUIFAX has a documented history of neglecting consumers ' rights by failing to remove or properly investigate errors in credit reports. This issue has significantly impacted my ability to access credit, housing, and employment opportunities, causing me financial and emotional distress. XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I sent a letter disputing XXXX XXXX EQUIFAX responded with lack of efforts to remove that account which brought me distress.XXXX XXXX XXXX XXXX XX/XX/XXXX. I sent a letter disputing XXXX XXXX EQUIFAX responded with lack of efforts to remove that account which brought me distress.XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I sent a letter disputing XXXX XXXX EQIFAX responded with lack of efforts to remove that account which brought me distress. As a result of EQUIFAX 'S non-compliance : * My credit score remains inaccurate, affecting my ability to get a loan as well and a House in the future. * I have been subjected to undue stress and financial hardship. Furthermore, I request that these collection accounts be removed from my credit account due to noncompliance of15 USC 1681e ( b ), 15 USC 1681s-2, 15 USC 1681i ( 5 ), and 15 USC 1681c ( c ). I request that the account accounts CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ACCOUNT to Be removed from my credit report within XXXX to XXXX days.