23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I obtained a car title loan with Onemain Financial. A few months ago the car was struck by a hit and run driver. It was deemed inoperable. I decided to keep and fix my car. The car insurance company paid {$7000.00}, and Onemain Financial is the lienholder. I had a balance and it went to them. I fixed the car with my own money, and paid for inspections, paid the DMV all the fees to obtain a salvage title, but OneMain will not electronically release the title to the DMV until I pay my loan balance of approximately {$800.00}. Now I'm not asking for the title I'm asking for them to give the title to the California DMV because this is a new car it will get a new title. It's preventing me from registering the vehicle. I paid {$490.00} for the registration, and ca n't drive my car because of OneMain. When I call they claim to have no clue about what they should do on their end. I leave messages, no one calls me back. I have sent emails with screens shots of the appropriate paper to fill out and send to the DMV but they absolutely refuse. This isn't their first rodeo. They know exactly what needs to be done. They also should have paid this registration like the XXXX XXXX, CA Branch paid when I initially got the loan. Can you please help me?? They keep adding late fees on top of late fees, and won't help me with my account or return my calls.
Product: Credit card or prepaid card

I have a amazon store card. And when i opened it i started off with a $ XXXX and or {$2000.00} credit limit. Over night they decreased it to {$200.00}. Upon me checking my credit report there was no changes that happened. At that point in time when it happened i was not passed due on anything or late.
Product: Credit card

On XX/XX/XXXX I make online purchase and the items I purchase never got to me on XX/XX/XXXX I cancel my order and still havent received my money back then I disputed the charge with my bank and provided the documents supporting my case and they simply denied the dispute
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I had a credit card for more than XXXX years with Bank of America. We had credit ratings of the mid XXXX and a credit line of {$30000.00}. We paid our full balance every month, on time. My husband passed away, so I closed that account and opened one in my name. My income is about half of what our dual income was, I have no mortgage, rent, or car payments, and my personal credit score was XXXX. I was given only a {$5000.00} credit line on my new card, and my credit score began to plunge. I used over half of that available credit in the first month, again, paying off the entire balance on time. However, my score continues to plunge. The excuse is that I used over half of the available credit! Is this some kind of Catch 22, or a scam? They give me an insultingly low credit line- totally disregarding my history with this institution- and then ding me for using too much of it?!!! I took out a second credit card with XXXX XXXX and they only gave me {$3000.00} credit line. My total credit line is less than one-third of what we had previously and I am very upset over this, as my nearly-perfect credit score continues to plunge.
Product: Credit reporting, credit repair services, or other personal consumer reports

Exeter Finance is reporting a chargeoff on my credit report, which means theyve written it off on their taxes and have sent me a 1099 which they have not. They have stated that I owe a balance and the insurance company has paid it off.
Product: Money transfer, virtual currency, or money service

My son 's phone was stolen on XX/XX/23 and he handles my Robinhood account. The individuals who stole the phone hacked into my Robinhood account XX/XX/23 ( without my knowledge ) and sold XXXX of the stocks. They proceeded to then add an account they created through XXXX to transfer the money. Robinhood required verification of a statement, which was easy to do since they had my information. I am not sure if they required ID verification from this person, yet the money was transferred out of the account. On XX/XX/23 I attempted to login to my account. The thief had changed my password. I had to do an ID verification by uploading my driver 's license, as well as, real-time facial recognition. Once in the account there were pending transactions from XX/XX/23 showing sales of the remainingg stocks and transfers to a credit card that is not mine. I contacted Robinhood immediately to stop the pending charges but customer service said they couldn't help me and that they would reach out to me the next day. Too late! The pending charges went through and my account was depleted. After weeks of disputing this, and a police report filed, Robinhood has determined, " no unauthorized activity was detected ''. Customer support will not help and I am now out $ XXXX. Robinhood will not refund me after proof of fraudulent activity through my bank and a police report.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to investigate my disputes regarding inaccuracies in my credit report properly. 
Despite my submissions, XXXX consistently responds within 24 hours, stating the account is accurate, without providing evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ) ,15 U.S.C 1681i, which mandates a reasonable investigation of disputes.

Furthermore, XXXXXXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ) 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( file No. XXXX XXXX ) against it for similar violations. Request that CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

I have been a victim of Identity Theft, which fraudulent activity has been reporting to my TransUnion Credit File/Report. I have filed an FTC and Affidavit and have my Police Report to remove these fraudulent items from my credit report. In addition, I have overnighted the same information, which took a long time for someone to get my complaint and process it, which I am filing this complaint now. Also, TransUnion is violating HJR 192 of 1933, 15 U.S.C. 1681b, and 18 U.S.C. 1028A, which my next steps is to seek litigation of damages of {$1000.00} per occurrence. There is XXXX  fraudulent account and XXXX  fraudulent Inquiries on my credit report, which needs to be removed effectively immediately. I am filing this complaint because TransUnion is always receiving and processing my paperwork late or not even processing it at all and is always an issues relating to removing items via certified mail, which I heard people in similar situations saying the same thing. Therefore, I am submitting a complaint and asking TransUnion to remove all fraudulent items from my credit file, based on my documentation uploaded through CFPB. The fraudulent account is : XXXX XXXX Date Opened : XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX. XXXX Fraudulent Inquiries, which Include : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I paid a balance off car loan with capital Auto finance from capital one XXXX  acct -- XXXX of XXXX in the amount of {$5700.00} which was the paid in full balance. 2 days later I paid another {$190.00} from a capital one checking account on XX/XX/2021 because Capital One was showing I still owed a balance of {$190.00}. I called Capital One Auto finance requesting a paid in full letter and title. The customer service rep told me i had a balance of XXXX cents and they would give me a credit which would allow them to send me a paid in full letter. I have been calling Capital one for 60 days and to date I still haven't received the title and paid in full balance.. 

They have told me numerous times they would remove the XXXX cents error which will allow me to get my title and paid in full letter. I called today ( XX/XX/XXXX ) an spoke with XXXX XXXX XXXX employee ID XXXX XXXX XXXX Ok ) he is supposed to have his supervisor XXXX XXXX XXXX Tx XXXX to resolve this matter today.. I have heard this numerous times and would like for the CFPB to look into this matter.. 

Thanks!
Product: Credit card or prepaid card

I have had problem with the cards the fee are over 600 dollars my credit limit is XXXX I asked to close account long time ago but they dont want to close. I have problems paying for the last6 months but they dont want to give me an affordable amount to pay back
Product: Mortgage

We have NYCB Mortgage Company and every year they magically do not have proof of insurance - we live in a condo association which renews on time. In addition, they require a separate policy for us and even though we have prepaid the policy, they continue to collect an escrow payment for the policy and now when signing into our account, there is no way to actually pay our new mortgage payment - a payment which has been paid on time since inception. STAY AWAY FROM NYCB XXXX
Product: Credit card or prepaid card

I am Victim of identity fraud, i recently found out that someone has been trying to apply for credit card with my information and this lead to me having too many inquiries on my credit, Best-buy credit department decided to close my account that i have been having for over 5 years with good payment standing due to me having a lot of inquires on my account. i spoke to a young lady and she said there's nothing she can do even if i file a dispute, i will have to re apply for a new account, we all know how important credit age and history is on credit.
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and 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: Credit reporting or other personal consumer reports

Fraudulent Activity on Credit File To Whom It May Concern, I am writing to report fraudulent activity on my credit file, which has been ongoing since 2019. Despite numerous disputes and reports to the police department, the unauthorized transactions and personal information remain on my record. 
The fraudulent activity includes [ list specific transactions or accounts ]. I have consistently disputed these entries, providing documentation and verification of my identity. However, the credit reporting agencies have failed to remove the inaccurate information. 
Furthermore, I believe my personal information has been compromised and sold, as I continue to receive unsolicited offers and notices related to these fraudulent accounts. 
I request immediate attention to rectify this situation, remove the fraudulent activity, and take measures to protect my credit information.
Product: Credit card or prepaid card

Lately, past few months noticed my interest was {$68.00} on {$3300.00} balance. Is n't this way too high. I pay {$100.00} a month and only get accounted for only a few dollars. This past statement was for Wells Fargo, billing period XX/XX/XXXX to XX/XX/XXXX. Something has to be wrong. This is ridiculous.
Product: Credit card or prepaid card

I was solicited directly in the mail by XXXX XXXX/Citibank to open a AAdvantage Platinum Select credit card.  As part of that offer, I was told that if approved and the card was issued, once $3,000 or more of purchases were made using the card my AAdvantage account would be credited with an additional XXXX miles.  This was the primary reason I applied for the credit card and the motivating factor for me to use this card for my purchases versus other cards.  After receiving the card and completing the required amount of purchases and paying the full amount of my credit card balance, the additional miles were not credited to my AAdvantage account.  When I called XXXX XXXX to find out why, they indicated that since I had previously had a Platinum Select card within the last two years, I did not qualify for the award.  There was no mention of that restriction in the solicitation and they were aware of my prior card when they solicited me by direct mail.  I consider this deceptive advertising and promising false incentives to induce me to use a credit card that otherwise I would not have applied for nor used.  Thank you.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for. XXXX XXXX XXXX have assumed a vital role and have a responsibility to report XXXX information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : XXXX Bank 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. Thanks,
Product: Checking or savings account

I deposited a business check on Monday, XX/XX/XXXX at XXXX. After three days, the funds still had not been deposited into my account. I went to the Chase branch where I made the deposit- the teller admitted handling the deposit, but then the bank manager moved me away from the teller and into her office. She said they lost the check and are trying to find it. I have called every day since only to be told that they are working on it. The check amount was {$5.00}. This is our families main source of funding, which has caused great stress not having the funds we need to live. As of this writing, I have seen no resolve from Chase. They made a mistake, but I am the one paying the penalty. Unacceptable
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 as 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

Previously on XX/XX/XXXX and XX/XX/XXXX I had submitted a request for a mortgage account to be reviewed and repaired based on some concerns that I had noticed. While a couple of errors have been repaired the account still largely remains inaccurate and the bureau has not offered any proof that they are in fact correct. 
I have specifically asked for proof from all three bureaus as to why the " date opened '' for TransUnion shows as XX/XX/XXXX but on XXXX and XXXX it shows as XX/XX/XXXX I have specifically asked why TransUnion and XXXX  show a " payment status '' as Late 120 Days, XXXX shows a " payment status '' as " Late 180 Days '' all on a closed account and XXXX  is even reporting an " ok '' payment history clear through today ; again on a closed account. 
I have specifically asked why TransUnion shows a " date last active '' of XX/XX/XXXX where XXXX shows it as XX/XX/XXXX, and XXXX  shows it as XX/XX/XXXX. Still no eveidence of accuracy or correction to the account at all on any of the bureau 's part. 
I have repeatedly asked why the " date of last payment '' is reporting as XX/XX/XXXX for TransUnion and XXXX  but XX/XX/XXXX for XXXX and again no response other that " verified as accurate '' or " updated '' with no corresponding proof. 
I also reached out to the mortgage company listed with the address that the bureaus provided and my certified mail was returned not deliverable.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Account : XXXX Payments XX/XX/XXXX - XX/XX/XXXX The payments on the account are reflecting that every month the payment was 30 days late due to an error in their system when they provided an extension on XX/XX/XXXX. This has caused me to be denied for a loan for my primary residence and I am upset that company fradulently has been reporting my information for over 16 payments. I attempted to correct this with the company and they requested for me to submit the request to CFPB directly to correct the issues with my account.
Product: Checking or savings account

It been now almost 60 days and my refund check has NOT mailed to me after I called more then 6 times to Chase claims department and the collection departmentone keep running me to anotherall I hear is we are so sorry and promised your refund on the waythis bank continues LIES to me over and over ( I already needed your help in numbers items with them and you helped me 100 % on that/waking them up to action ) I HOPE you will this time as well
Product: Money transfer, virtual currency, or money service

I just received an email from paypal stating my dispute was denied and that the the money that was deposited into my account is going to be withdrawn on the XXXX XXXX XXXX. This is MY money that was taken out of MY account for items I never received. They can not take my money back without giving me any product. This will be a police report, I promise you. My XXXX  order was cancelled ( I paid through paypal ), and I was never refunded until I literally begged for the funds that paypal is planning on taking back on the XXXX. I can and WILL take this to court for more than its worth. You've taken my time, My bills are past due, taking food out of my kids mouths. I'm sick of dealing with this. Don't use paypal to make any purchases.
Product: Credit card or prepaid card

On XX/XX/XXXX, I requested an interest rate reduction from the credit card company for the 2 credit cards I have from Capital One.They put me on hold said no and I asked for a supervisor. I then was told no again and I had to do a few things in order to request an interest rate reduction successfully. 1. Continue to pay on time, 2. pay more than the minimum amount due, 3. Reduce my overall debt with both cards and 4. Increase my credit score ( XXXX XXXX XXXX ). The supervisor apologized because she saw my loyalty, on time payments and offered me a {$50.00} credit on one of my cards. This can been seen on my statement. 

I then did as was recommended, called back Monday, XX/XX/XXXX and told the cust service rep the situation she transferred me to a supervisor, she said they do n't do that and we got " disconnected ' or what seemed a hang up to me. I called again did the same procedure this sime spoke to another supervisor she also said no and they would not have told me to do the above instructions of give a credit. I told her to check the statement and she said " it does n't matter whether it 's true, we do n't do that ''. And they only offer interest reduction occasionally as offers and I have to keep checking. So basically, never. I checked online and saw many others had the same issue. I feel lied to and mistreated by them. I want the interest rate reduced and of course an apology for misinformation and being hung up on.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent several letter asking for validation on how my accounts were coming back verified with proof. Never received any feedback via mail or when I call in. This was in XXXX, XXXX and XXXX. When I call in no one knows anything. I've written on several occasions about XXXX and XXXX being reported wrong. Wrote several times asking for validation on how they verify. Never received and response on neither occasion.
Product: Credit reporting or other personal consumer reports

I did not authorize this fraudulent inquiry XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to refuse to add my 100 word statement to my credit file as requested multiple times.

Experian provides vague excuses that they do not understand my request which is quite simple : ADD MY 100 WORD STATEMENT UNAMENDED to my credit file. I do not understand how difficult that is to do. 

My request also includes sending me a copy of my revised credit report with my statement so I have proof my statement has indeed been added to my report file as requested now for months.
Product: Credit reporting or other personal consumer reports

I'VE TRIED TO MAIL THE POLICE REPORT AND FTC REPORT TO TRANSUNION SEVERAL TIMES BUT IT NEVER GETS ATTACHED TO MY CREDIT FILE. IVE TRIED ONLINE UPLOAD ON THERE DISPUTE PAGE AND IT WILL NOT LET ME, IVE DISPUTED THIS IMFORMATION SEVERAL TIMES BUT IT NEVER REMOVES THESE FRUAD ACCOUNTS. IVE DONE EVERYTHING, IM TURNING XXXX IN XXXX OF THIS YEAR AND IM SO STRESSED OUT CONCERNING THESE ACCOUNTS THAT AREN'T MINE OR NOT ACCURATE. PLEASE HELP. THE ALLY BANK ACCOUNT ISN'T MINE BECAUSE I DID HAVE ONE YEARS AGO BUT MINE IS PAID OUT 4 MO AFTER I FINANCED IT, XXXX XXXX ACCOUNT IS BEEN PAID OFF AND NEVER WAS LATE AND I HAVE LETTERS STATING THAT WITH A COPY OF THE TITLE, SO I DONT KNOW IF THAT ACCOUNT IS FRAUD OR NOT BECAUSE MY ACCOUNT WITH XXXX XXXX XXXX WAS PAID OFF 28 DAYS AFTER FINANCING IT, XXXX XXXX XXXX IS FRAUD AND I CALLED THEM UP AND THEY STATED THEY DIDNT HAVE ACCOUNT IN MY NAME, XXXX XXXX XXXX IS FRAUD AND I CALLED THEM AND THEY SAID IT WAS NOTED AS FRAUD. XXXX INQUIRE IS FRAUDXXXX XXXX  INQUIRE IS FRAUD. PLEASE HELP OR IM LOSING MY NEW HOUSE ON XX/XX/2025 DUE TO NOT CLOSING. THANK YOU
Product: Mortgage

Wells Fargo has disabled  my ability to make my loan payments online. This complicates the payment process and can lead to late payments. There is no reason that my ability to make online payments should  be disabled. I  have NEVER had an online payment be rejected.     This is clearly an effort to make it harder for me to make my payments so that they can accelerate the forclosure process.     They have also offered to allow me to make a payment in a lower amount, but refuse to clearly define how this altered payment will be applied. They expect me to give them money with absolutely no knowledge of how it will be applied. They tell me that these payments will get me set up to a new payment plan which they also refuse to define. It is completely unacceptable that a bank be so ignorant and secretive about my money.