23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, my husband and I filled out a credit application with XXXX of XXXX. Immediately upon completion I received a phone call from the sales person I had been working with, XXXX. He informed me that the car smelled of cigarette smoke. We had not see the car as the dealership is in New Hampshire and we live in Maine. We were trying to complete as much of process online as we could before traveling. Once we were made aware of the smoke smell we decided not to go further with the transaction. I explicitly asked and confirmed on the phone with XXXX that nothing would go forward with applying for financing, pulling our credit report, etc... he assured me it would not. 

On XX/XX/XXXX, late in the afternoon, I started to receive alerts and emails that there had been a change in our credit report. I also receive an email from XXXX XXXX that our application has been submitted. I immediately called and spoke with XXXX. He explained that they had made an error in cancelling our appointment to purchase the car. Therefore, the business manager had done a credit inquiry. They said it was just an inquiry and nothing further. I did not push the issue at this time as the inquiry would not have an effect on our scoring. 

Monday, XX/XX/XXXX, I checked both mine and my husband credit report and it shows as a " hard pull '' and has decreased our credit scores. I reached out to XXXX, the finance manager at XXXX. He maintains that it was an inquiry due to an error in their scheduling. He also states that they did not apply for credit with XXXX. I explained to him that it is appearing on my credit as a hard pull and I would like to have it removed from both mine and my husbands reports. I told him I would be filing a complaint with CFPB because we still need to purchase a car and do not want multiple pulls of our credit.
Product: Payday loan, title loan, personal loan, or advance loan

I leased mattress through acima XX/XX/2023. The full total was XXXX. Well unfortunately I ran into hard times and after 90 days they put it on my credit report showing interest that was way more than I expected! Its showing I owe XXXX. Theyre constantly sending settlement offers which I rather just return what was leased to me but that isnt an option although the contract says other wise. Its like I was tricked!
Product: Debt collection

I sent Demand Letter to ABC Fitness Solutions for contacting me via ( autodialer or ATDS ) without my consent which violates the TCPA 47 U.S.C. 227 ( b ) ( 1 ) ( A ) ( iii ). On XX/XX/2022 the business presented a Membership Agreement that claims I consented to be contacted by phone. 

But I didn't consent to receive calls from an ( autodialer or ATDS ). Autodailers are illegal without prior consent under TCPA.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXXXXXX XXXX XXXX Account XXXX Date of Charge Off : XX/XX/year> Amount : XXXX I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report.
Product: Mortgage

XXXX XXXX, Sr XXXX XXXX XXXX XXXX, Virginia XXXX XX/XX/XXXX Honorable Secretary XXXX XXXX, I write to you today out of a deep sense of frustration as an XXXX American living in Virginia over fifty-four years. During this time, I have been discriminated against, due to my race, several times in the workplace here in Virginia, all documented with U.S. Equal Employment Opportunity Commission. The last place of employment, I worked as a XXXX  XXXX  at XXXX XXXX in XXXX, Virginia. 

There was a position open as a XXXX  XXXX  XXXX, which no one wanted, I applied for the position, was declined, to find out later XXXX XXXX want a XXXX person for this position. I filed a discrimination complaint with the EEOC and given a right to sue. A few weeks later on XX/XX/XXXX, I was terminated from my job at XXXX XXXX. In order to provide for my family, I apply for unemployment benefits, which normally last for one year until full employment is achieved again. 

At this time, I had enough with systematic racism and discrimination in Virginia and I started working as a XXXX  XXXX XXXX. Due to stress situation, I had a fainting spell, my XXXX XXXX went up, I was hospitalized for two days. A few weeks later I received a bill from the XXXX, for over {$20000.00}. During this time, I am getting half of my income which put a serious strain on our financial situation, which forced my family into bankruptcy on XX/XX/XXXX. 

During XXXX we open a bank account with Navy Federal Credit Union. Since being a loyal member, we applied for several personal loans and several Mortgage loans, after Navy Federal Credit Union was advertising help for members with challenged credit and low income. I asked Navy Federal several times to explained to us as to how we can get a loan with their bank. At least two white loan officers were very rude, appears to be discriminating against my XXXX American family. 

For the past five years we have paid our rent on time, while building our credit history due to systematic XXXX  here in Virginia. According to reports Virginia has several Mortgage programs through USDA and VHDA for first time home buyer and low-income families. VHDA share a list of lenders who supports their programs. We have contacted several, they pull our credit and never follow us with us again as the status of our loans. 

I was told by one loan officer, due to the bidding wars, they dont waste time on low income or first-time home buyers, they focus on now who has the most money to purchase homes in Virginia. Also, no Lenders or loan officers in Virginia looked at our rental history. I am sure you know XXXX American continues to be disenfranchised and discriminated against here in Virginia. Also, I noticed while calling several lenders in the Virginia area, theres no XXXX American loan officers or lenders to help XXXX Americans on the pathway to home ownership. 
We truly appreciate your help get my family approved for a home loan with down payment help and closing costs as stated in Virginia first time home buyers and low income programs. 

Sincerely,
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Loan with account # XXXX opened on XX/XX/XXXX  and a balance of {$31000.00}. 
XXXX XXXX XXXX  Auto Loan with account # XXXX opened on XX/XX/ and a balance of {$48000.00}. 
XXXX Unsecured loan with account # XXXX opened on XX/XX/XXXX  and a balance of {$9400.00}. 

I couldn't apply for any loans because of these negative items on my report which shouldn't be there and it's causing me XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX account number XXXX was charge off on my report the company refuse to send me a 1099 after several attempts {$2800.00} XXXX XXXX was charge off on my report company never issues me a 1099 and XXXX XXXX account XXXX was charge off on my account company refuse to issue a 1099
Product: Checking or savings account

I have to make 10 monthly charges with my debt card in order to avoid getting charged a {$14.00} monthly service fee by Wells Fargo, I made more than 10 charges with my debt card the month of XX/XX/19 - XX/XX/19 and Wells Fargo changed my Debt card charges to show up XX/XX/19 in order to wrongfully charge me a monthly service fee of {$14.00}. I have been wrongfully charged a {$14.00} month service fee by Wells Fargo almost 10 times and I'm tired of it. Wells Fargo is wrongfully charging my account monthly service fees even though I completed 10 debt card purchases in order to not get charged. This is illegal! Wells Fargo is wrongfully charging my account a {$14.00} monthly fee because I'm XXXX and Wells Fargo don't like XXXX people or XXXX businesses! Wells Fargo is " XXXX ''!
Product: Debt collection

I am a military spouse attempting to resolve the below account. I disputed the item and the debt collector immediately increases the debt balance. The balance has since decreased. It is illegal for a debt collector to increase the balance to prove a point. Please help me resolve this issue/account. 
Account info Account name MIDLAND FUNDING Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1700.00} Balance updated XX/XX/XXXX Recent payment $ XXXX Monthly payment {$0.00} Original balance {$1700.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX XX/XX/XXXX
Product: Checking or savings account

I was at an ATM in California, because of the confusion when speaking to a Wells Fargo representative, they now refuse to investigate into the denominations received or if received at all. This is causing me to take a loss of over XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX I ordered something on XXXX that was XXXX and I cancelled the same day because I didnt want the item anymore so I called for my refund and they said te refund had already been sent to my account but it wasnt there. So I went to my bank Wells Fargo and they said there wasnt anything there that was. XXXX by when I ordered I checked my account online and it said purchase made and then it said refunded but my money didnt return and then there was another purchase on my account that said atm used when I havent used my card at all after XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXXXXXX XXXX XXXX XXXXXXXX Opened : XX/XX/XXXX Balance Owed : {$4400.00} Chargeoff XXXX XXXXXXXX Opened : XX/XX/XXXX Balance Owed : {$5800.00} Chargeoff XXXX XXXXXXXX Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance XXXX XXXX {$1400.00} Collection XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - Late/closed
Product: Consumer Loan

I applied for a credit card and they sent a denial notice and the reason and the reason was I had and auto loan out that the car had been repossessed and I owed a large amount of money I 've never owned a car and never even applied for a car loan.
Product: Payday loan, title loan, personal loan, or advance loan

Dear Consumer Financial Protection Bureau, I am writing to express my concern over misleading communication practices employed by Upstart in their loan approval process in partnership with XXXX Specifically, this pertains to a {$1500.00} relief loan application I submitted in the week of XX/XX/2024. 

Upon my initial application, I received a pre-approval notification for the loan. After a week, during which there were no changes in my financial status, I submitted the application for final approval. To my surprise, the final approval email stated that I was " APPROVED '', but it also mentioned that this approval was contingent on certain undisclosed disqualifiers. 

This language is problematic and misleading. An approval that is contingent on further conditions should not be termed as a definitive " approval '', but rather as a continuation of the pre-approval stage. This miscommunication gives a false impression to the consumer. 

Moreover, the stated disqualifier for my application an increase in debt since my initial application is factually incorrect. I had not incurred any additional debt during that period. 

The purpose of this complaint is to urge the CFPB to enforce more transparent and accurate language in loan approval communications. It is crucial that terms like " APPROVED '' are used appropriately and accurately to prevent misleading consumers. The current practice of indicating final approval, while still being in a conditional pre-approval stage, is deceptive and needs to be addressed. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has a hard inquiry on my credit report when I've never been to that location or had my credit inquired ever in my life. I do not have a vehicle with these people nor have I done any business with them the fact the they is any inquiry from them is fradulent and I'm done dealing with them and the Experian team. 

Be weary of car sales people!
Product: Credit card or prepaid card

Hi, I have an XXXX XXXX credit card, issued by Bank of America ( BoA ). I have spent months working towards a kitchen remodel project. I needed to make a payment on my credit card on XX/XX/XXXX, which was above my credit limit. I spoke with a BoA representative on Thursday to try and have my credit limit increased, which was rejected. I asked them on the phone whether I could transfer additional funds onto my credit card now, in effect to increase my available limit to spend, e.g. my limit is $ XXXX, if my balance is XXXX and I transferred a payment of $ XXXX, I should then in effect be able to spend up to $ XXXX before I hit my $ XXXX limit. I was told I could do this. 

I transferred an amount on Thursday XX/XX/XXXX. I then tried to use my credit card over the weekend on a couple of smaller purchases. I then have received notices today that my internet and utility bills debited from this credit card have been rejected. I spoke with BoA who told me that because I transferred more money than the limit I have, they have placed my funds on hold for 10 days. Not only this, but they have prevented me using any of the normal credit I have during this time. So in short, they are holding $ XXXX of my money without even notifying me of this, and not allowing me to use my credit card because I tried to give them 'too much money '. Additionally, my bills are also getting rejected, which is causing me a huge inconvenience and could negatively impact my credit. I spoke with multiple people at BoA, all of whom told me that no one can overrise this 10 day period. How can no one at BoA override a system? I don't care if they reject it, but holding my money for 10 days without notifying me and blocking my card is completely unacceptable, and I have a strong feeling this is actually illegal- I can't see anything in the terms and conditions of the card that would allow BoA to do this, and it just feels plain wrong that a bank could do this. 

I am now in a worse off position than I would have been if I had done nothing, and my kitchen project that I have spent months on has been de-railed because of this. It is completely unfair, and potentially illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked for the method of verification used, as there is an item being grossly mis-reported on my credit report. I did not purchase a vehicle using a leasing company, and have proof of direct purchase from the dealership, directly. I have provided this proof, only to be told that the investigation has been deemed verified by the " debtor '', whom I have no dealings nor contract with. 

How can it be verified then? 


Someone is in violation of FCRA laws, and if this is not corrected, I will be forced to seek litigation. 

Please be advised that I am once again exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. 
In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy and completeness of the information. 
Name, address, and telephone number of each person contacted regarding this alleged account. 
A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 
Any automated response or XXXX   verification is unacceptable. I am requesting a re- investigation along with your method of verification.
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 3 Bureaus 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 remove immediately : XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX Balance : {$980.00} XXXX XXXX XXXX Balance : {$1100.00XXXX XXXX XXXX XXXX  XXXX XXXX XXXX {$2000.00} XXXX XXXXXXXX Balance : {$6800.00} XXXX XXXX Balance : {$0.00XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$31.00} XXXXXXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX Balance XXXX {$1100.00}.
Product: Credit card or prepaid card

I have been a Discover Card member since 2014, and at one time the service and fees were great. I have attempted on several occasions to stop the usurious fees of 18.74 APR which is preventing me from paying down the principal. I would hope that Discover address my complaint in a speedy response. The only alternative is to alert other consumers on XXXX XXXX, XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

XXXX Open Date in XXXX Reopened Date XX/XX/XXXX Identity Theft and Fraudulent Account Apart of multiple data breaches from Equifax XXXX updated my credit report and removed my credit freeze from my profile. Found out in XXXX of XXXX after 5 days of repeated phones calls and escalation to managers due to receiving reports that my credit profile was being accessed by several creditors I did not authorize.
Product: Debt collection

EOS CCA is in blatant violation of the FDCPA Section 809. 
I mailed 2 validation requests via certified mail article # XXXX XXXX XXXX XXXX and the other article # XXXX XXXX XXXX XXXX XXXX. 

EOS CCA ignored my requests and failed to provide full and proper validation that FDCPA Section 809 provides. EOS CCA IS IN CLEAR VIOLATION OF THE FDCPA FOR CONTINUED COLLECTION ACTIVITY WHICH IS A VERY SERIOUS VIOLATION UNDER THE FDCPA. 

This erroneous alledged debt does not belong to me!! I want this debt removed from my credit reports IMMEDIATELY. 

NO VALIDATION WAS PROVIDED WITHIN THE 30 DAY TIMEFRAME UNDER THE FDCPA. The FDCPA was enacted by congress to protect consumers. 
Everyday I writhe in pain from a XXXX XXXX, and being a senior citizen does not make it any easier. 

This is WRONG! EOS CCA has committed a litany of violations, including not marking the account in dispute on my credit report ( s ). 

I plead with the Consumer Financial Bureau to help me to have this information removed by investigating this firm and see if any other ill senior citizens are - having their credit reports and overall financial lives damaged.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have informed all 3 credit bureau 's Transunion, XXXX, and XXXX  that my Chapter XXXX Bankruptcy has incorrect information such a the court is listed as Federal and US BKPT Ct GA XXXX. Also it has been brought to my attention that the clerk 's office does not report any information to the credit bureua 's.
Product: Debt collection

Source /XXXX is calling my cellphone numerous times. When I try to tell them about this so call XXXX debt. They turn into the worst unprofessional abusive reps. I can not put into words. One even do n't worrying I will add it to credit report. I consider that a real threat since our world is credit base. 
Also I have written a letter to higher management regarding the abuse. 
I am XXXX. I can not take this type of treatment. My doctor told me I am stressing on this issue. 
I live off of Social Security. Trying my best also to take care of a mother with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I had an issue with this mortgage company reporting my account as delinquent. I tried both times to reach out to XXXX XXXX and neither time have they made an effort to resolve the issue. The first time, they took over my mortgage from another lending company that sent them my payment that was already made to previous servicing lender. The payment was sent over to XXXX XXXX  after 30 days and I tried to explain to XXXX XXXX the payment was made and previous lender advised me not to make double payment and they reported my account past due to credit bureau. Recently, I have never been 30 days past due with XXXX XXXX and thought payment was made and when I realized it wasn't I submitted payment immediately which was XX/XX/XXXX and XXXX reported me as delinquent. When I called to resolve to have it taken off in good faith they declined to offer any help. I am great at paying my bills. Their reporting caused my XXXX credit score to drop XXXX points. Account is current. I believe XXXX XXXX should be more fair to consumers in regards to financial reporting.
Product: Credit reporting

I became aware someone stole my identity and was opening credit cards I did n't apply for in my name. I called Transunion and placed a fraud alert on my credit file. I then tried to obtain a copy of my credit report from Transunion ( through the " www.annualcreditreport.com '' website ). Transunion has blocked or " masked, '' as they say, my social security number, and will not allow me to access my credit report. After numerous hours on the phone with Transunion phone reps, they acknowledge the problem but Transunion refuses to correct it despite my numerous requests. As I have explained to them, I need to check the credit report to make sure there is no other unauthorized activity. All the Transunion reps have done is transfer me back and forth among three numbers ( XXXX, XXXX, and XXXX ) but none of them have helped me access my credit report or provided a solution to Transunion 's acknowledge problem. I am out of options with Transunion. Maybe the FTC can get them to do something before my credit is ruined? Maybe they 'll listen to the federal government, they sure do n't give a darn about consumers. Thanks for any help you can provide.