23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I was offered a no interest balance transfer if paid off within 18 months as long as I made a minimum payment towards that balance transfer each month. I continued to use the card as usual for other regular purchases. Despite the fact that I regularly paid the outstanding balance in FULL and more than the required minimum payment, I was still charged interest on an unknown amount and Wells Fargo was either unwilling or unable to tell me exactly how or why they calculated the interest fees - I called twice to inquire about this issue and was not given satisfactory answers at either time. Finally, I was told that the only way to avoid interest fees was to pay the entire balance in FULL immediately. This feels like a bait and switch since I was never able to gain the benefit of the no interest offer that was made. This has happened for several billing cycles thus far.
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. 

Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX has violated my rights. Or list of inquiries 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: Vehicle loan or lease

I have a car loan with Nissan Motor Acceptance Corporation ( NMAC ) - it was a 5 year, 0 % interest rate loan, started in XX/XX/XXXX. I've had an automatic payment as well as paperless statements set up from the beginning of the loan to ensure I never have a late or missed payment. For some reason, NMAC stopped processing my automatic payments in XX/XX/XXXX ( with 2 monthly payments remaining on my balance ) and I ended up being late on my final 2 payments. The only reason I noticed they had stopped deducting my payments automatically, was I got my credit score as an alert from a monitoring service and it had dropped 100 points as a result of this. Once I noticed I was late, I immediately made my final 2 payments and closed out my loan on XX/XX/XXXX. 

Upon finally calling their customer service ( on XX/XX/XXXX ), they told me they changed their system and had sent me notices asking me to switch to another system. I did not receive any of these notifications digitally. The rep mentioned they should be available to view online under my account and upon review, there were no notifications there either under the messages section. 

Upon asking for them to remove the late payment record as a result of their process change, they refused stating it was my responsibility to make the payments, and they had no responsibility to let me know that automatic payments have been stopped by them. I would not have missed any of the payments if they hadn't turned my payments off and am now stuck with a late payment record.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have taken two wheeler loan from XXXX XXXX XXXX XXXX .loan application number is XXXX. My loan has been closed but the company XXXX XXXX is not sending my report to CIBIL. Because of this my CIBIL SCORE has gone down. My CIBIL is showing that the last payment I have made to the lender on XX/XX/2020 but the truth is I have made several payments after that. 
Please have a look attached loan statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please forward the information to CAPITAL ONE, NATIONAL ASSOCATION. Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo Vehicle Loan- Reporting 30 days late for the months of XX/XX/2022, XX/XX/2022, XX/XX/2022. I have reached out for them to remove. The reason being I XXXX XXXXXXXX which falls under the Credit Protections Under the Coronavirus CARES Act. I've disputed the information, nothing has changed thus far.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exists. This account violates 15 USC 1692 ; 15 USC 1681 ( a ) ( b ) ( e ) subsections. I request all accounts to be removed within 30 days of this notice in lieu of statutory damages litigation. The contract on all closed accounts has been cancelled.
Product: Debt collection

XXXX XXXX XXXX XXXX located at XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX  XXXX used my name to get a loan in the amount of {$XXXX} from XXXX XXXX  on XX/XX/year> to be paid after XXXX years supposedly without interest. 
I did not know about it until I received a notice from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I went to ask about it to XXXX XXXX XXXX to only find out that the XXXX was out of business. Therefore, I went to another XXXX XXXX XXXX in XXXX to ask if they know about them, and they told me that XXXX XXXX XXXX in XXXX  XXXX, XXXX is out of business because they did to other costumers what they did to me.
Product: Credit reporting or other personal consumer reports

From XX/XX/2023 through XX/XX/2023 my credit report has been accessed by XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX  and several inquires from XXXX XXXX XXXX. I did not authorize any of these inquires. I have authorized XXXX XXXX to access my credit report only once and I now have ( XXXX ) inquires affecting my credit score. I want all these inquires removed immediately. I had a preauthorization/preapproval with XXXX XXXX XXXX  only and authorized for my credit to be pulled once. Please see the attached documentation.
Product: Credit card

I called to change the address on my Visa credit card that I have through US Bank, which is my hometown/family bank. 

While on the phone, I was told that I was eligible for an upgrade because I have a good history with the bank and paying off my credit card. 

The term upgrade was used throughout the conversation. Because of this I didnt understand that I was opening up a new and different credit card, I thought that my existing line of credit was being altered and improved. 

Im confident that I consented to the hard credit check, but it wasnt clear to me why that was necessary for an upgrade but I foolishly let the bank XXXX assure me that this was normal and necessary for the upgrade. 

When I received an email about my new credit card, I realized that I wasnt receiving an upgrade at all, I was just sold a new, separate credit card. 

It was a very embarrassing situation. Im planning on switching banks eventually, but its a bit of a hassle to transfer all of my deposit accounts and find a new financial institution.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to XXXX Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means XXXX has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my updated personal credit report and I noticed that there are unauthorized inquiries reporting on my personal credit report. I contacted the company and asked them to remove their credit inquiries from my credit profile. I request that CREDIT BUREAUS initiate an investigation into the following inquiries listed on my credit report to determine who authorized these inquiries. If, once their investigation is complete, find my allegation to be true, please remove these unathorized inquiries as soon as possible : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act my rights have been violated. 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 I recently reviewed my credit report and noticed some unauthorized accounts on my credit report. In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. Under 15 USC 1681A 3, this role was assumed without permission nor my consent. My right to privacy was neglected and not respected which is under 15 USC 1681A 4. You did not exercise your grave responsibility, you were unfair, you were partial. You were never given permissible purpose under 15 USC 1681B 2. I never instructed anyone to furnish or create this report
Product: Credit reporting or other personal consumer reports

Subject : XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Experian for Non-compliance with Federally Mandated Consumer Protection Protocols To Whom It May Concern, This correspondence serves as a formal and structured legal appeal against XXXX XXXX XXXX and Experian, addressing significant non-compliance with the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws as stipulated under federal guidelines. This complaint articulates substantial concerns regarding XXXX XXXX XXXXXXXX alleged debt claims tied to my personal identifiers, which lack proper authenticated documentary evidencea core requirement under consumer protection statutes aimed at safeguarding consumer rights and ensuring the integrity of credit reporting practices. 
Detailed Discourse on the Legal Mandate for Authenticated Documentary Evidence in Consumer Protection Law : Fundamental Consumer Law Requirements for Document Authentication : Regulatory frameworks, specifically 12 CFR 1022.82, underpinning the FCRA, mandate that all information furnished to consumer reporting agencies by entities like XXXX XXXX XXXX must be accurate, complete, and thoroughly substantiated. In the realm of debt collection and reporting, this substantiation requires authenticated documentary evidence. Such evidence typically includes, but is not limited to, contracts or financial agreements validated through signatures executed in " wet ink. '' This authentication serves not merely as a procedural formalism but as crucial legal proof of the consumer 's conscious assent to the terms delineated within the document. 
FTC Report Reference and Experians Inaction : Subsequent to discovering unauthorized use of my consumer information by XXXX XXXX XXXX, a formal report was filed with the Federal Trade Commission. Despite this attempt to rectify the situation through federally recognized channels, the continued presence of XXXX XXXX XXXX on my credit profile and Experian 's inaction in resolving this discrepancy demonstrate a concerning level of disregard for regulatory compliance and consumer rights. 
Legal Consequences for Non-Compliance : Penalties Under FCRA Section 621 ( a ) ( 2 ) : According to the Fair Credit Reporting Act, specifically under Section 621 ( a ) ( 2 ) ( 15 USC 1681s ), any person, including debt collectors like XXXX XXXX XXXX and credit reporting agencies such as Experian, who fails to comply with any requirement imposed under the FCRA with respect to any consumer is subject to civil penalties enforced by the Federal Trade Commission ( FTC ). This includes potential fines, statutory damages awarded to the consumer, punitive damages for willful non-compliance, and attorneys fees. 
Disputed Debt and Consumer Awareness : It is pertinent to note that the debt in question includes claims for which I have no knowledge of the account number, strongly indicating that the alleged debt was fraudulently attributed to me. This lack of awareness and the inability to verify such a debt underscore the necessity for a stringent review of the information reported by XXXX XXXX XXXX and the actionsor lack thereoftaken by Experian.
Product: Credit reporting or other personal consumer reports

I am requesting an update to my contact information to ensure all correspondence is sent to my current address : XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX This is the only address I have ever used with your company, so there are no prior addresses to update or retain. Please update your records accordingly.
Product: Debt collection

My name is XXXX XXXX and Im a consumer submitting this complaint on behalf of myself without any third party being involved. 

Fraud and racketeering activities have been committed against me by your company which violates my consumer rights and the FDCPA. 

Pharus Funding LLC is using extortionate means to collect on alleged debt I do not owe that resulted from extension of credit which violates Title 18 USC 892-894 and constitutes racketeering activities and extortion. This is a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ). 15 U.S.C. 1692 ( G ) Section 809 ( B ).

This notice states that your claim is disputed and validation of the account is required : * Bill of assignment * Purchase Agreement Chain of Title *Proof that you are license debt collector to collect in my state.

* A requested copy of your State Department of Commerce and Insurance Certificate.

Requesting if the Statute of limitation to collect on alleged debt is expired THIS IS A REQUEST FOR ACCOUNTING : REOUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO U.C.C 9-210.

This authenticated record must include all tax filings ( including all 1099s, 1096s, and 1098s ) any and all trades and or investments and/or interests associated with this account of which I am alleged to be a party.
Product: Credit card

On XXXX I submitted a Reg E dispute to Chase on a transaction that I did not make on XXXX. I had visited the store in question and made a purchase, I had a receipt for that purchase that was also on my statement, but disputed a transaction from the same merchant for {$61.00}. I had only made one purchase at that merchant that day. On XXXX XXXX they sent me a copy of the receipt sent to them by the merchant, saying it was a valid transaction. It may have been valid, but the receipt did not have my name, my signature or even my card number on it. I returned it saying it was not authorized by me. Today on XXXX I received their dispute resolution saying it was a valid transactions and the dispute is resolved..to my detriment! There reasoning -- my card was n't lost or stolen. I did not sign for this transaction, the receipt clearly indicates it was n't even my card, but the charge was posted to my bill. I 'm at a loss as to what steps needs to be taken, I can not understand how I can be charged when they can not provide a receipt with any of my pertinent information on it. I work for a bank and am very familiar with Reg E, I think both the resolution and the length of time it took to come to the wrong conclusion are way outside the intent of the regulation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have on three separate occasions asked XXXX, Equifax and XXXX  verify some information that is reporting on my Credit bureau in regards to a XXXX  account on my bureau. Each time they all said it was verified and when I asked for an investigation I received no response. I have since contacted the original Creditor XXXX  and everything reporting in my bureaus is completely different than what the creditor sent me. I intend to sue if the information on my bureau is not updated or completely deleted from my bureau. You did not investigate this properly.
Product: Checking or savings account

On XX/XX/XXXX XXXX separate transactions came out of my Chime bank account in the amounts of {$310.00}, {$100.00}, and {$100.00} from a merchant by the name of XXXX and I did not authorize these transactions nor do I know how you all could have processed them. I have no open rental or any pending charges on my XXXX account. I immediately called XXXX about my concerns and they confirmed that those transactions were not on my account and were not attached and instructed me to contact my bank for the dispute. I called my bank and alerted them of these fraudulent and unauthorized transactions and at the time ( XX/XX/XXXX ) the three transactions were in " pending '' status so they claim they could not do anything regarding a refund but they stated that XXXX did cancel the transactions and they should cancel within 7 business days and the funds should return to my account. On XX/XX/XXXX I checked my Chime account and I saw all three transactions were settled. I called Chime support and spoke with the dispute department and a dispute was filed on my behalf over the phone by a representative. I was given a claim number ( XXXX ) and was I told that I was eligible for a provisional credit and that I should receive a confirmation email with all of this information. Credit never arrived ( of course ) and I got a decision for my dispute less than XXXX hrs from filing it and the decision was DENIED. There are several things wrong with that decision as XXXX and Chime agreed that the transactions were indeed fraud but I had to wait until they stop pending to file a dispute if they weren't canceled off but as I stated above they didn't cancel off as they said they would and they settled so that is why I went the dispute route and got it denied. I immediately called Chime to get to the bottom as to why it was denied and they offered to file a rebuttal but I am not hopeful that they even called the merchant to discuss anything or I would have my money back.
Product: Mortgage

I submitted a claim in late summer trying to get answers on my account and they have not addressed the issue. They response to my claim did not answer my concern. They picked one thing I mentioned to address, I have called in numerous times trying to get answers and no one can ans me so I will try to make my question a bit more simple. 

I completed a mortgage trial period for 6 months ( XX/XX/2020 ) in which i was on time an became eligible to have the numbers finalized and my loan will be brought current with the new loan modification process. I returned all documents on time, ( this was during the beginning of Covid 19 so things were being processed a bit slower. XXXX at the time was my account manager and he said pay the amount that is in your new loan mod paperwork by calling in and make the payments he said once it is processed you can do it online. I did that for XXXX and XXXX, called in. In XXXX when it was time to make my payment instead of calling first I decided to check online to see and it was processed so I begin to make the payment, and when I went there it said that I owed for XXXX and XXXX and I had made XXXX 's payment. I called in to ask how is it that the first payment I am making online of my new modification says that I am behind a month when it just began and I have made all the payments according to the terms and conditions agreed upon. I have been making my payments each month on time and there is still a rolling balance of one months mortgage payment. NO ONE can explain to me how do you begin your new loan modification in the whole when I paid all payments on time. I initially mention escrows but that is not the real issue, The real issue is I have been told why i owe this money, additional mortgage payment. 

The lady helping me on one of my many calls to get answers said that once your modification is approved. They take all the money you paid during your trial and back it out and then add it back on with the new payment and it balances out but she could tell me why this wasn't happening in this instance. Now let me note this, in XXXX I made my payment and something unexpected came through and caused it to return, however i caught it before Fay Servicing received the return notice, I called in and reprocessed a successful payment and it still wasn't late so I did make my XXXX payment. People have half read my profile notes and tried to say that is where the extra payment has come from. I have paid on time since the loan modification trial agreement and finalization of terms. I cant seem to keep an account manger like now I have no clue who it is and when people call its to collect that extra payment I do now owe. 

I have attached the previous complaint and all supporting documentation to this. I have so many problems with this bank and I feel that predatory lending is in effect and there are always tactics to cause home owners to loose their homes particularly minority families.
Product: Credit card

Capital one closed my credit card account before notifying me of a payment being due back in XX/XX/year>. Ive always used Capital one and my balance wasnt high. My credit was amazing before they closed both of my accounts.
Product: Debt collection

Choice Recovery never disclosed fees that were added to my total balance when making my payment. The fees of {$35.00} was never disclosed that I was paying it. Choice Recovery took money from my payment and never added all the money I paid to decrease my balance. 

When contacting Choice Recovery I was told the fee was not suppose to show on my credit report, nor am I requires to pay the fee. The fee was almost 50 % of my total balance. This is a very deceptive practice as I had no knowledge of a fee I paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my consumer report and noticed that I had two late payments on an account that I was never late for. 

Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I've asked them several times to validate this information. 

I have never been late on payments for the account : XXXX  : XXXX Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late.
Product: Debt collection

Hello, I received a letter from a collection agency ( Convergent Outsourcing, Inc. ) dated XX/XX/2022. I attached a copy for your review. 

The letter claims that I owe {$50.00}, however, I paid my final bill to XXXX which was actually {$85.00}. I have attached evidence of this as well. 

The debt amount does not even make sense.