23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

After being approved for a car loan of about {$19000.00}, we purchased a car. We owned it for more than a month before the bank called and said our loan had simply been cancelled. They claimed the funding account didn't exist. However, the bank giving us the loan is also the one I bank with- they have access to the account that would be funding the loan. During our application, we had picked the account from a dropdown menu that only listed my two accounts, checking and savings. It was not possible to have added another account. It appears as though a problem on the bank 's side led to the wrong account being listed, as there was no way for me to list the non-existent account. 

The representative who explained the situation was polite, and she was totally flabbergasted as well as to how an account that wasn't mine was selected. I was put on hold to speak to their executive resolution team, and after 15 minutes of waiting, I was hung up on.
Product: Debt collection

I have been repeated called by Portfolio Associates after changing my number XXXX times and making my number unlisted. They have pestered me to death several times a day. I am a day sleeper and the constant calls are driving me nuts. This bill was to be paid by my ex-husband as a part of my divorce. That was over 5 years ago. Please help me to get these people off of my back. I have no intension of paying them. Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 states : A consumer reporting agency can not furnish an account or account information without my consent
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, and XXXX from 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
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reporting on my personal credit file and were found in my reports with Experian credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$17000.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed XXXX {$10000.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX XXXX XXXX XXXX Owed : {$670.00} ; XXXX XXXX XXXX Owed : {$1000.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX Date XXXX : XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/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 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
Product: Credit card or prepaid card

XXXX fraudulent charges were placed on the credit card for money transfers were made over a XXXX day period. The charges were made by unknown individuals to me who were not authorized to use the card. The transactions were also place in a state that I have never been to let alone made a transaction in. 

XXXX of the XXXX transactions were removed by the credit card company. However, the credit card company claims XXXX of the transactions were authorized and refuses to remove them.
Product: Checking or savings account

I opened an XXXX account and a bank that I am not famaliar with is listed on my account. I contacted the BBB and this bank is not accredited. I have a block on my XXXX account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not open these accounts and I strongly suspect that they are fraudulent
Product: Credit reporting or other personal consumer reports

this is my 2nd request sending XXXX, Transunion, and XXXX a letters requesting documentation of the alleged late payments pertaining to 15 usc 1666, and a certified letter that was sent out 21 days before any alleged late payments was posted ( 15 usc 1637 ) 15 USC 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

they have violate the TILA and requesting the account be updated to paid as agreed, never late or Deleted from my consumer report they are reporting inaccurate information as well, see attachment - 15 USC 1666e ( b )
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX Account # : XXXX XXXX XXXX. Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Equifax credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Balance : {$8600.00} XXXX XXXX Balance : {$19000.00}
Product: Vehicle loan or lease

XXXX {$12000.00} I.m dispute this whole amount in lead hardship in finance and job lost wages .....
Product: Credit reporting or other personal consumer reports

XXXX and XXXX both have inaccurate and wrong information on my profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2020, I've disputed the creditor XXXX XXXX XXXX XXXXXXXX. I do NOT know this company, never heard of them before, never entered into a contract with them before, yet they appear on my credit report for {$29000.00} in debt. I've requested copies to satisfy the validity of the debt from Experian and XXXX  without success, and this item continues to appear on my credit report negatively impacting my creditworthiness. 
After the dispute, the credit bureaus respond that they " verified the debt '' without providing any documentation that the debt is valid -- they can't because I've NEVER gone into any agreement with this company. They are violating my rights without consequence.
Product: Credit card or prepaid card

I am sole user of this account I've had since XXXX and never late. 
I haven't used it in months until I made a {$58.00} in purchase in XXXX and I paid the balance in full on due date XX/XX/XXXX, posted XX/XX/XXXX, added late fees until I discovered it on XX/XX/XXXX. 
Reviewed old unused email acct, a lot of promos & one dated XX/XX/XXXX " should we text you '' Paid and I disputed, yet they reported it late on XX/XX/XXXX and show only the month of XXXX as late. 
Tried calling them, waited 30 minutes on hold until I was cut off Currently unchanged, Today I filled a dispute with the 3 credit reporting agencies. 
Both mine and my wife 's credit score went down XXXX points, I have no idea how it could affect her score, when I applied I got her a card to use but it was never activated. 
We are looking for a new home and we need this resolved soon so we can apply for a mortgage. 
Thank you for your help
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions are unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

I took out a credit dispute many times sometimes XXXX or XXXX within a month. Every time it comes back saying it's completed and XXXX hours or if it's on the XXXX  it's two days coming back saying it's verified again I said how did you verify it they said we don't have that information. I've been disputing this information since XXXX And I get the same results they have nothing to show so I spoke to a manager and explain to him how could this account be closed In XX/XX/XXXX and then the first day of the delinquency is XX/XX/XXXX The manager agreed with me so he is investigating it he said it will be completed in XXXX days which would make XX/XX/XXXX it should be deleted that I have to provide a CFPB report and I'm also including an identity theft report I had the same problem when I disputed this and send this information to the CFPB and I didn't get any results so I'm trying again to submit it this account should be deleted they can't prove that this is a joint account at Citibank which is XXXX 's to prove to me show me a contract or something with my signature and the other so-called person making this a joint account they have not done that they did send something just showing my name the other person name was blank Again I'm requesting that this account should be deleted ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Acceptance Corporation has several late payments on account which are a direct effect of the Pandemic related status of payments that I was no aware of.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon, thank you for your continued service. I hereby declare all damages after XXXX-now to be transferred and fully unassociate from my social and my records. I have concluded my reporting to the fbi and XXXX XXXX pd case XXXX. XXXX XXXX, XXXX, XXXX, and XXXX damages remain. I should be debt free, 750+ all credit scores with perfect bill payer history. I need a new ssn, drivers license #, need to move out of ca under a po box for our safety, I will provide a private settlement amount. The XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX was used as the reason for the suspects to XXXX  my family and I. XXXX XXXX Account # XXXX and any association to XXXX under my ssn is XXXX  XXXX XXXX XXXX, XXXX Was created by XXXX XXXX XXXX assist with scams and XXXX  child adoption and more XXXX  on innocent. 
XXXX account # : XXXX XXXX : XXXX XXXX  XXXX XXXX, pa XXXX fully controlled and used for XXXX leverage and XXXX same with XXXX suspects claimed responsibility XXXX : XXXX I expect all damages to disappear and to be restored fully. XXXX medical records XXXX is invalid, it's only evidence of a XXXX report, I have no known health issues. 

Thank you for your continued service, XXXX bless America, Remember our freedom XXXX ( no longer XXXX ) Ssn XXXX XXXX See ftc Federal trade commission and court cries for help immediate separation and settlement XXXX XXXX
Product: Money transfer, virtual currency, or money service

I transferred money to may son through Capital One XXXX and the money has not been sent or received by my son for 2 weeks. I have contacted Capital One several times and they keep saying they are investigating.- No response
Product: Checking or savings account

I arranged for my XXXX XXXX XXXX phone bill to be due on XX/XX/XXXX. I made a payment of {$100.00}, which posted on XX/XX/XXXX, and paid the remaining balance of {$7.00} on XX/XX/XXXX. However, on XXXX  morning, I received an alert that my account was overdrawn, and I began receiving notifications that other bills were bouncing due to insufficient funds. 
I first tried chatting with someone on the BMO banking app for assistance, but I was told to contact the merchant instead. When I spoke with the merchant, they couldn't see any hold on their end. I then visited a BMO bank branch in person to seek further answers. There, I was informed that the phone company had placed an unusually long hold on the payment but that I wasn't actually overdrawn ; my account was in good standing, and I should be able to pay the bills that were due. 

The next morning, despite these assurances, I continued to receive notifications of bounced payments due to insufficient funds. I returned to the bank to seek some form of remedy for an issue that was clearly not my fault. I was told there was nothing that could be done and that the hold would be dropped today, XX/XX/year>. As of this morning, the hold has not been lifted from my account. 

I've already incurred a late fee on one of the balances that was rejected due to insufficient funds, even though the bank assured me this wouldn't happen. I explained to the bank that it doesn't make sense for them to allow any of hold when I have overdraft protection enabled on the account, and yet the hold caused me to overdraft. Now, I could potentially lose my business website because there aren't enough funds to cover the upcoming balance this week. 

I'm losing even more money due to accumulating late fees and lost privileges because of someone else 's error, and I'm not receiving any compensation or assistance for this issue. This situation has taken three days away from metime that should have been spent getting my startup off the ground.
Product: Vehicle loan or lease

I just need help gettin it off my credit scores they got the car back an it sold at Auction for XXXX an she got the car for XXXX an pay XXXX on it an now they send me a letter sayin I owe XXXX from BBVA compass
Product: Checking or savings account

My name is XXXX XXXX and I recently opened up a XXXX Account. I deposited XXXX large checks into the account upon opening, and I have been having major problems with this bank ever since. 

I truly believe that I am a victim of XXXX discrimination. I also have an account with XXXX and have neverrrrrrr had an issue with them ever. 

Upon opening my account with Truist, I was made aware of a standard 10 day hold that would be placed on the funds. No problem. 

It has now been well over 10 days and Truist seems to have no urgency in releasing my funds. I have provided all of the required documents that they have requested. 

At this point, I am wanting to close my account because I have never had to deal with this kind of issue with any other banking branch. 

Not to mention that the customer service team seems to have XXXX empathy and urgency with helping with this issue. 

I have called several times about closing my account and releasing my funds to me, but they are not being proactive in doing so. 

If I was a white woman with blonde hair and blue eyes, this would have never been a problem. I am now going on day XXXX without any access to my funds. 

If not resolved, I will file a XXXX discrimination lawsuit with my family attorney.
Product: Vehicle loan or lease

XX/XX/2022 I bought a used XXXX thru XXXX XXXX, financed by XXXX XXXX XXXX. I have a hard pull showing for this purchase on the same date by Wells Fargo Dealers. When I reached out to XXXX they said that I need to speak with Wells fargo dealers, and they will remove it, in accordance with the FCRA rules on rate shopping for auto loans. 
I spoke to three different people at wells fargo who all transferred me to someone else. The last gentleman I spoke with gave me a fax number and said that there was no way for Wells Fargo could remove this hard credit check ( violating the FCRA guidelines on rate shopping for auto loans ). 

Please remove this incorrect hard credit check from my report. It has already caused financial damage to me as I was denied by XXXX for a XXXX XXXX XXXX this year due to too many hard credit checks. 
I will be consulting a lawyer, as this issue has drawn out and produced nothing productive from either Wells Fargo or XXXX.
Product: Mortgage

On XX/XX/24, I applied for a home equity to pay some credit cards. To reduce debt and just have one mortgage instead of multiple credit cards. However, the company charge me {$52.00} to run credit check which is okay. 
XX/XX/24, I was charged {$750.00} which was originally written and stated that it will only cost {$50.00} as they can do a drive by. After a week I was notified that they are not able to XXXX XXXX by and need to charge me {$750.00}. Which I, hesitated to say yes, but due to the process and credit check fee etc, I said yes. 
XX/XX/24 I got a call from underwriter XXXX XXXX to freeze my current XXXX heloc for them to be able to pay it off. This XXXX heloc ( 8 % interest ) was not part of the plan to pay off but the credit cards thats up 22 %. It does not make sense for anyone to pay loan fees and pay off 8 % to 9.75 %. I asked why this was not communicated to me and I was told I only have two option to approve or reject it. I rejected it and requested the {$750.00} appraisal that I paid as I feel like they did not do their due diligence in checking eligibility and now I further accrued more debt, not to mention because of the hard credit check my score went down and I'm getting phone calls every 5 minutes from all over the world. 
The issue was XXXX holding a lien on my mortgage and for them to approved my loan they need to clear that lien first. If they would have been honest and told me this from the beginning, I could have avoided all of these.

The contract that was sent to me had different numbers and I asked why that is and was told that they can edit it on their end but need my signature before they can proceed. Very sketchy process but I trusted them and now paying for it. 
I reached out to XXXX XXXX ( Mortgage Consultant ) multiple times and have not heard from him regarding a refund.
Product: Debt collection

A absolute random debt right around the time I just got another debt removed from my report for being false charges, got added to my credit? I was confused cause I had no clue what it was from. Then it said it was a collection from a Aldous and associates? Apparently it is a fitness gym or they deal with those collections. But I have no clue because I never had a membership until my current gym, I got day passes. So this seems very fishy. I have also NEVER received any sort of notice or even anyone trying to collect anything. Nothing. So very fishy.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX Date : XX/XX/year> To : Credit Reporting Agency Subject : Request for Removal of Unveriable Account Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by [ Equifax, XXXX, or XXXX ]. This request is based on the recent deletion of an account by XXXX, one of the four major credit reporting agencies. I recently disputed a charge-o for {$360.00} from XXXX XXXX XXXX listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unveriable debt from my report as of XX/XX/year>XXXX 
According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and veriable. Since XXXX has removed this account after its verication process, I request that you do the same and remove this unveriable account from my credit report. 
Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unveriable information must be deleted from a consumer 's credit le. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unveriable information. Since XXXX has deemed this account unveriable and removed it, you must take similar action. 
Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unveriable, I urge you to align its records accordingly. 
Please provide conrmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including ling a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non-compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. 
I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 
Thank you for your immediate attention to this request. 
Sincerely, XXXX XXXX XXXX XXXX