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

In accordance with the Fair Credit Reporting act XXXX 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 The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
( c ) The term consumer means an individual. 
( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 

The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Product: Checking or savings account

Transactions were constantly blocked by Wells Fargo stating it was fraud prevention but they would allow random companies to withdraw funds from my account without my knowledge or authorization
Product: Credit reporting or other personal consumer reports

I am reporting to formally notify the Consumer Financial Protection Bureau ( CFPB ) of Experian continued non-compliance with consumer protection laws and to request immediate intervention to ensure adherence to these laws. 

I have encountered multiple issues with Experian that I believe are in direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and other related regulations designed to protect consumers. Despite my best efforts to resolve these issues through direct communication with Experian, I have not received a satisfactory resolution, nor have they taken appropriate corrective actions. 

The specific issues I am experiencing include, but are not limited to : Inaccurate reporting of my credit information, including outdated or incorrect items on my credit report with XXXX XXXX XXXX XXXX. I demand to see verifiable proof of an original consumer contract with my wet signature on it that they have on file for the account listed on my credit report. Failure to investigate a dispute I filed, as required by law. As required by the FCRA, Experian is obligated to ensure the accuracy and completeness of the information in its reports and to investigate any disputes within the legally defined timeframe. Experian is not complying with their own policies within in 30 days to investigate, which has passed and I haven't got a update status on anything. My dispute letter was sent XX/XX/year>. Experian failure to comply with these laws has caused me significant harm, including damage to my credit score and difficulty obtaining a car.

I respectfully demand that the CFPB investigate this matter and take appropriate enforcement action to ensure that Experian complies with all applicable consumer protection laws. I request that the CFPB promptly communicate with me regarding the status of this issue and any actions taken. 

Thank you for your attention to this serious matter. I trust the CFPB will act swiftly and appropriately to address this non-compliance and protect consumers like myself from further harm.
Product: Debt collection

On XX/XX/2022, my wife and I received a civil complaint notifying us that we were being sued from a company called Accelerated Inventory LLC. My wife and I called Accelerated Inventory LLC on XX/XX/2022, and we spoke to a representative to ask them why we were being sued and why we were never notified that they had purchased the debt. The representative who answered the phone stated that they do not call or send correspondence and that that would've been done by an undisclosed company which we don't know who would be. Around that time my wife 's mother was hospitalized and surgery had to be performed requiring a lot of time out of us to handle her care before we decided to respond we wanted to review all of the bills and see how the interest was calculated as well as discuss with a debt consolidation company we use why this debt was not resolved as a part of our agreement. We sent letters to XXXX XXXX, accelerated inventory LLC and we were waiting for information about how the debt was calculated because we are in attorneys we didn't quite know how to respond without hiring an attorney which would cause his financial issues at the present moment with having to take time away to take care of our mother. We never received a response from the letter that was sent back on XX/XX/2022, so so we did some research online to find out how to handle these matters without having to hire an expensive attorney and sent that letter by certified mail to the court XXXX XXXX and the attorney and never received a response but we received a letter in regards to a final judgment which we do not feel like is fair because we don't know who this company is and we were never contacted prior to the attorney filing suit against us. 

1. XXXX XXXX reflects a {$0.00} balance on my credit report 2. Accelerated Inventory is not reported on my credit report with any outstanding balances. 
3. The representative we spoke to on XX/XX/2022, stated that they do not attempt to collect the debt and an undisclosed company does debt collection. The representative did not provide us our options to get the documents we requested. 
4. On XX/XX/2022, we sent another certified letter requesting information about the debt like payment history and interest calculation. 
5. We never received a letter of intent to sue or a demand letter which is required 30 days prior to the suit in the state of Florida under statute 501 under consumer protection laws under XXXX if we understand the law correctly. Accelerated Inventory did not attempt to collect this debt by placing it on our credit report, contact, or by demand letter by their attorney XXXX XXXX XXXX XXXX XXXX. Sued us before properly notifying us, did not explain our rights to dispute this debt, and we have not received the information to verify that the balance they are suing us for is accurate which we do not believe the balance is correct. 

We would like them to provide the documentation to validate this debt including the payment history and all interest accrued to be provided since we never received anything regarding the purchase of this debt until we were being sued.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus last XX/XX/XXXX to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, personal loan, or advance loan

I received a special pre-qualification letter in the mail to respond by XX/XX/24. The offer was to renew my existing installment loan from {$12000.00} to {$15000.00}, payoff current loan with one main financial and have up to {$4000.00} cash available. My current monthly installment loan for XXXX was {$300.00}. My new loan provided {$500.00} cash available, paid off the current loan, but increased the monthly payment to {$340.00} ( with the extra {$500.00} ). This also triggered another hard pull inquiry on my credit profile ( negative impact on score ). My complaint is specifically related to the mis-leading pre-qualification letter I received in the mail. The letter comes from their corporate home office ( not local branch ). To have an existing payment increase from {$300.00} to {$340.00} for {$500.00} when already had a good payment history on prior account seems excessive. I am set up on XXXX, took another hard hit on my credit profile, because of this misleading pre-qualification solicitation.
Product: Consumer Loan

First off my wife called to get pay off amount and they told her they would not give her that information. So I signed up on XXXX to see my amount owed it showed {$1400.00} i even got a slip showing thats what i owed a manager called me and even told me thats all i owed. So i go in with my slip to pay it off {$1400.00} and the associate informs me they turned me into collections plus they tacked on {$400.00} worth of late fees then she said the late fees were a mistake and she didnt know how to fix it. Then she gives me a ticket showing the late fees plus she added more late fees to it even though i dont owe them. They are ruining my credit please help me. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, XXXX, XXXX and Bank of America XXXX have inquiries that were not authorized reporting to my credit reports
Product: Checking or savings account

On XX/XX/XXXX I noticed I had been charged two {$25.00} maintence fees, a total of {$50.00} ( Bank of America Advantage Monthly Checking ) for XX/XX/XXXX and XX/XX/XXXX. My minimum balance to avoid those fees was never lower than the required minimum. ( This happened once before a year or two ago. )
Product: Money transfer, virtual currency, or money service

I was selling furniture on XXXX. And I got a check and deposited it. But they send a amount more than the furniture because they wanted me to send the rest to the movers. So I did by using XXXX on my bank account all and the check bounced 3 days later. But the check funds were in my account before the check bounced. So they money I sent was my money. I called the bank and they said they cant do anything because I did everything. The bank is fifth third. No one told me that a check can bounce after it was already funded in my account.
Product: Debt collection

Over the past two years debt collectors ( 3 ) have been trying to collect a debt on XXXX XXXX XXXX XXXX for an address in XXXX XXXX I never started up service in XXXX XXXX  i found out that my identy had been stolen and I have credit feezes activated and subscribe to XXXX. The newest Collection came from Radious Global Solutions. I called them and they said to fill out a fraud report with XXXX XXXX XXXX. Well I did taht with an avadavit in XXXX when another debt collection company was trying to collect the debt. The original amount was XXXX from XXXXXXXX XXXX XXXX Services back in XXXX. I recieved a letter from XXXX saying they would not longer try to collect and close the account. however this new collection company Radious is trying to collect XXXX regarding the same service from XXXX XXXX
Product: Credit reporting or other personal consumer reports

In XXXX I noticed an auto loan showing up on my credit report from Santander Consumer USA, I have never applied for an auto loan with Santander and it was showing as a charge off account. I filed an XXXX  report immediately on XXXX and sent a copy to all the major credit bureaus and a copy to the original creditor. It was removed from my credit report until it showed up again in late XXXX. I once again filed a XXXX report and sent it to the credit reporting agencies. I contacted Santander directly by mail and phone calls, they have not provided me with any proof of this loan belonging to me nor any documentation that I applied for the loan or signed for the loan.
Product: Debt collection

This credit reporting agency is accepting inaccurate, and incomplete information on my credit report that is causing great damage mine representation.
Product: Credit reporting or other personal consumer reports

Notified credit reporting agencies of late payments that was reported on my credit report and is inaccurate. I disputed them and Requested for them to be removed and they stated it was properly reporting I requested validation and have yet to receive any.
Product: Credit reporting

XXXX XXXX reported a credit card under my name, It 's not my card and it 's not under my social security number. The account was under my ex-husband name and XXXX changed it to my name. I requested documents to reflecting my signature but they are unable to provide proof. I requested removing from the credit report and they told me that I 'm responsible for the balance due.
Product: Checking or savings account

I called and spoke with a chime bank representative on Saturday XX/XX/XXXX to let them know that this transaction of {$140.00} is not authorized they gave me a dispute claim number of ( XXXX ) and told me that i would be receiving a credit refund back to my account on 10 days. I never did, they just stone walled me in to a denied claim. i feel chime bank never investigated any claim and mislead me so that i would not do anything about it. I have asked them that stealing my money outright is wrong. I feel that chime bank never disclose the real intention that they have for consumers, chime bank did me dirty... please help me.
Product: Debt collection

Valley Credit Services is attempting to collect a debt with the incorrect amount. They purchased an outstanding balance five years ago and never notified me of the purchase, of the purported amount, or of the ability to  dispute and correct the amounts. I have notified them in writing and over the phone that the debt is disputed.     I called multiple times after seeing the derogatory report still on my credit and was told that I had to pay the entire amount, including interest and fees in excess o f Oregon Statutory amounts, or they would continue to harm my credit. I was never gi ven the ability to dispute the errors and they refused to update and correct the information.     I contacted the original creditor, my local credit union, for the correct amount outstanding and they forwarded that t o Valley Credit Service. After notifying repres entative "  XXXX  '' that the amount was incorrect and providing proof of the credits not applied at the sale of the auto, she refused to update the amount owing or the false amount reported to the credit bureaus.     Today was my final attempt to resolve with them. This company is n't listening to any disputes and is unwilling to correct their errors. Before filing a civil complaint for damages, I want ed to seek one final help to have  them conduct themselves with integrity.
Product: Vehicle loan or lease

Contract has been breeched, west lake portfolio management is a debt collector not a financial institution. West lake harassing me and I havent missed one payment.
Product: Debt collection

Received letter from mortgage servicer mortgage, mortgage has been referred for legal action, foreclosure. My homeowner XXXX XXXX was notified foreclosure action initiated by attorney XXXX XXXX. I have not received notice of the debt being accelerated. 
or letter for foreclosure action. Mortgage payment was XXXX XXXX to Select Port Folio amount {$2000.00} XX/XX/2024 and XX/XX/2024 {$1000.00} total {$3100.00}. Apply payment to my account.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. On Wednesday, XX/XX/XXXX, my direct deposit that is under " early pay '' did not arrive in my account. It is XX/XX/XXXX2025 and the funds are still not available. In addition to that, Capital One 's technical difficulties has resulted in my checking account being in the negatives for {$870.00}. The account is the negative because on Tuesday, a merchant charged my card for {$880.00} while Capital One sent me a notification telling me that the charge was declined due to funds not being available. When I went to the merchant, they told me that the card cleared and that I was successfully charged {$880.00}. Today, XX/XX/XXXX/25, my account showed the charge and put my account in the negative. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Student loan

I attended university from XXXX to XXXX, this loan was obtained in between my years of attendance to pay for tuition. I began paying this loan immediately after school as it was a {$10000.00} loan and I wanted to tackle the balance right away and feel accomplished about it. I am not even sure how to express the frustration and disgust of what happened from XXXX to present but the loan was transferred to 4 or 5 different lenders without any notification to me. I would sometimes receive a statement or letter in the mail from the new company and i would try to call the previous company that held the loan and they for the most part could not help me because they had nothing to do with the loan anymore. I got so overwhelmed and frustrated trying to track the loan and understand what or why that was happening. The next thing i noticed was the increase in the balance and the interest changing each time it was passed around. Even though i was making payments my loan all of sudden was increasing in balance. I argued with the lenders and asked for explanations and never received answers. The suggested deferrment and forbearance and suggested it was a good way to stop paying for awhile. i have had multiple deferrments and forbearances and then i noticed after that happened the balance kept increasing. i tried to make payment plans with the lender and then low and behold the loan was moved again. I have never felt so deceived and angry about something that is so personal to me. I worked my XXXX off in school and my parents could not afford the tuition entirely so i required loans. This loan was suggested by the school and it happened so easy i was delighted. And they make you think once you are done school you make low monthly payments and easy peasy it will be gone in no time. That would be manageable but that is not what has happened. i was deceived and the loan was tossed around and my life in the process. I have no issue paying the original balance of the loan which was $ XXXX less any payments i made from XXXX to present. that is what is fair and that is all i would be able to handle. I would not have gone to school if i had to take out a $ XXXX loan because i cant afford that. This is criminal what they have done and i have been beggin for loan forgiveness and help for the actions they have taken. Please contact me as i would really appreciate someone to finally reach out and help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Personal information was stolen in XXXX since then I've been seeing alot of unauthorized accounts. I've attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized accounts have been found on my credit report please investigate and remove all inaccurate accounts i have listed immediately, the following includes : XXXX Bank XXXX # XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello There the items below do not belong to me, and they are stopping me from buying a home. 

XXXX XXXX XXXX account # XXXX Amount {$1200.00} XXXX XXXX XXXX ACCOUNT # XXXX {$1100.00} XXXX XXXX ACCOUNT # XXXX {$720.00} XXXX XXXX, XXXX ACCOUNT # XXXX {$480.00} XXXX XXXX # XXXX AMOUNT {$85.00} XXXX XXXX # XXXX AMOUNT {$80.00} XXXX XXXX # XXXX AMOUNT {$0.00} XXXX XXXX XXXX  ACCOUNT # XXXX AMOUNT {$0.00} XXXX # XXXX AMOUNT {$0.00} XXXX/XXXX XXXX XXXX # XXXX AMOUNT {$0.00}
Product: Vehicle loan or lease

I purchased an extended warranty with my new car, it was explained to me, and I could also read in the contract that I could cancel this warranty within 60 days of purchase. A few days after I had the car I called the finance officer at the dealership and told him I wanted to cancel the extended warranty because I was concerned about the extra cost. I was told that if I cancelled at that time, the loan amount would still be the same every month because the loan had already been approved and could not be changed. So I thought I would wait to cancel until later, just in case I still had the car after 5 years, when the original warranty would end. 
It was not explained to me that the warranty I purchased would start on day XXXX of the contract instead of after 5 years which is what I assumed. Because why would I purchase an extra warranty to run alongside the already very good warranty that Hyundai is very proud to advertise. Nowhere in the contract does it state when the extended warranty starts.

I even called the main Hyundai finance office a few times just to be sure that I had my facts correct and could cancel and get my money back. No one either at the dealership or the main finance office told me that if I waited 5 years to cancel after the initial warranty ran out that I would only get half the money back. 
I feel completely mislead by both the dealership and the Hyundai Corp. I did not sign part # 3 on the form that says the service plan was explained to me, it obviously was not or I would never have waited so long to cancel the extended warranty.

I had not planned to keep the car this long, my plans changed because of Covid etc. 
I went ahead and cancelled the contract after my final payment was made, but I am very upset that I lost half the money and I would like to see if that could be remedied. 
I would also like to add that it was extremely difficult dealing with the dealership regarding cancelling this contract. I had a hard time getting anyone to return phone calls, including the general manager who never got in touch with me. I even resorted to driving XXXX hour to the dealership so I could get anyone to help me initially.
Product: Credit card or prepaid card

I live in Hawaii and have a Costco credit card issued by Citibank, which includes an annual fee as part of the Costco membership. Part of the agreement includes a cashback provision. Due to a hospitalization spanning several years, I was unable to redeem these cash rewards, and they expired within a year. 

As I understand it, expiring these values within 5 years is prohibited by both Federal law, the Credit Card Accountability Responsibility and Disclosure ( CARD ) Act of 2009, and state law, Hawaii Rev. Stat. 523A-14 and Hawaii Rev. Stat. 481B-13 Having reached out to multiple representatives, I was told " We are systematically unable to generate new certificates once they are expired. '' I do not believe this is legal and would like guidance on the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date XX/XX/2022, XXXX XXXX XXXX XXXX XXXX has not responded/ replied/ answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of AM HONDA FIN XXXX I believe it was reporting in error.