23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I have had my vehicle for XXXX going on 4 Years and I have always been in good standing with my account on Thursday XXXX XXXX my vehicle was XXXX due to a non payment back XX/XX/XXXX a Year ago to my knowledge everything was up to date in between that year I have contacted the bank and have never been informed of this situation I was quoted my Pay off amount never received any correspondence via mail, Phone, or by email as well when I did contact and speak with representatives of the bank they were very cold, uncaring, and unwilling to try and help they just wanted the past due amount of one month I felt it was very unprofessional as well as very stressfulstressful and overwhelming for me which did not seem to matter to anyone no representatives ever tried to help give me any options or reassurance that we can resolve this issue and figure it out together exactly the opposite I felt bullied and like threatened that if " I did not get a payment in I could lose my vehicle and end up paying more '' per the representative. I understand it is a business and I am in no way trying to cheat or manipulate anyone I just feel the whole situation was handled very poorly and unprofessionally especially a year late where as my Automatic Draft all other payments have been processed with out any problems within that 12 month period. I have also felt a lot of miscommunication a lot of the times where XXXX representative will say XXXX thing and then someone else will say something different on occasions many representatives have made me feel more of a burden and troublesome rather than a customer and this is for doing what is requested by the bank to call if any issues or things with payments I have always kept promise to pay if at anytime I needed to change a scheduled payment due to repairs or unforseen expenses. I just wish I was treated more like a customer than just someone who has a car leased through the bank and all that matters is the Money or at least a little more courtesy than what I was given
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent ITEMS in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any ITEMS listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} TRANSUNION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA 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  According to FCRA XXXXection 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

When shopping for a home mortgage U.S. Bank made multiple promises to us as first time home buyers which made us select them for a loan over XXXX XXXX. These promises included covering 1 % of the mortgage interest rate for the first year, providing a 0.25 % reduction in the mortgage interest rate for having a U.S. Bank platinum account, and submitting the loan through the Illinois Housing Development Authority for the first time home buyer assistance program. The US Bank mortgage officer stated that US Bank is the only bank which can underwrite for the IHDA loan program in the state. None of these ended up being applied to our account. US Bank even failed to submit us to the IHDA first time buyer program.
Product: Checking or savings account

On XXXX XXXX, I deposited XXXX XXXX in my Ameris bank from my XXXX XXXX. However, they don't allow me to use the money in it. I can't access my money at all. Every time, I set up a transfer, the system shows an 'error '. I called them, they said they would send it back to XXXX. However, XXXX months passed, and the money was still there, and couldn't do anything. It is so crazy bank I have never met.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX "
Product: Mortgage

I have provided proof of insurance to Shellpoint. However, they demand that I provide proof on a yearly basis and then act as if I did not provide them with the information and insist on purchasing an insurance policy through one of their vendors ( whom I am sure they receive a kickback from ) DESPITE the fact that the property is adequately insured. This has happened again in XXXX, just as it has in XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. This is not a coincidence, but a pattern and practice on Shellpoint 's part.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX, and I am submitting this complaint myself and there is no third party involved. This was a corporate account and mistakenly reported on my profile in XXXX. I believe there may be an error on the payment status, payment history, and the comment to verify this information, correct this if there are errors, or remove this ASAP.
Product: Checking or savings account

Please see the attached screenshots of the email Capital One emailed me on XX/XX/XXXX. This email contains the full scoop on how to receive the {$500.00} bonus. 

As per the fine print, I fulfilled the one and only requirement : Within the specified time frame, I made deposits from my XXXX XXXX  account and the sum of these deposits was at least {$50000.00}. 

The full details of the offer mentioned in the email under " Here 's the full scoop on how to earn your {$500.00} bonus '' do not cite any restriction limits on withdrawals nor does it mention a requirement of maintaining a specified balance for any period of time. XX/XX/XXXX at XXXX I called Capital One. The representative told me I will not be receiving the {$500.00} bonus. 
On this call the reason this representative cited was that I did not fulfill the requirement of holding a balance of {$50000.00} for 90 days. I mentioned this email 's details and he said all Capital One offers have a requirement of holding a specified balance for 90 days. He is mistaken. This offer only has a requirement of deposits made over the promotion period must be at least {$50000.00}. There is no requirement of achieving a certain account balance or maintaining that account balance for a specified amount of time. I also have called Capital One about this incident before. I only recently found this proof of the offer as I state it by finding this email. That's why I made this call to Capital One on XX/XX/XXXX to see if this proof would get me the bonus. Capital One stood firm on the 90 day rule, which was not mentioned anywhere when I signed up.
Product: Credit card or prepaid card

XX/XX/XXXX at XXXX am XXXX someone hacked my Cash App account and used my {$1400.00} in my account to buy bitcoin and withdraw it to themself. They kicked out my email and put their own. I have screenshots of everything. I went through the Cash App support and they sent me to their specialist for fraud and twice they denied me saying its my fault and I authorized the transactions. My rent got kicked back and now XXXX cant pay my rent for XXXX for atleast XXXX weeks. There was XXXX total transactions that I did not authorize and I feel I have overwhelming proof that it wasnt me. I did everything they asked to make my account secure but they still denied me
Product: Credit reporting or other personal consumer reports

I sent letters off to TransUnion XXXX And XXXX in regards to A alleged Late payments on my XXXX XXXX account.I have not received a Reasonable or proper response and it has been more that 30 days.15 USC 1681 a speaks on accuracy of a consumer r eport15 USC 1681eb speaks on consumer reporting agencies furnishing accurate information on a consumer report.Accuracy means all values.

( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. It would be more than fair to remove and delete said item off my account ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
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. XXXX XXXX Account # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting ageXXXX  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

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX  XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to Equifax XXXX a late payment reported by XXXX  XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made on Time : According to my records, the payment in question was made on time. Attached, I have included my bank statements showing that the payment was processed and cleared before the due date. 
Clerical Error : It appears there may have been a clerical error in how the payment was recorded by the creditor. I have verified the payment confirmation from my online banking records, which shows the payment date and the amount, indicating the account was paid in full on time. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I downloaded the Bright App and looked around the app saw it wasnt what I needed. I DID NOT sign up for a membership. When I checked my bank account I was in the negative and noticed it was because I was charged {$97.00} for some sort of membership fee through Bright. I did not sign up for any membership. I contacted bright and had a very sketchy conversation with a XXXX XXXX. I was told my refund would be back in 3-5 days and if I was hit with an overdraft fee that would also be refunded. After I did some digging and found SEVERAL alarming reviews where others had money taken out of their account when they did not sign up for a membership. Some did get their money back after several months most dont appear to have gotten their money back. This practice is dishonest, disgusting and frankly down right alarming. Im writing in to ensure my funds are IMMEDIATELY returned to me. Bright confirmed via XXXX that they can view your bank balance before charging. If this is the case they wouldve seen this charge wouldve put me well into the negative. My complaint will be withdrawn once my funds are back into my account for every day past the 5 working days that they are no back into I will be opening up complaints through this and the XXXX
Product: Checking or savings account

On XX/XX/18, XXXX made several bank errors. She made unauthorized changes on my account. She also provided unfair and misleading information, which is costing me {$450.00} to maintain my relationship with the bank. I have several wrongly charged fees applied to my account due to her bank errors. The bank has refused to provide me my refunds after stating that they would reimburse me. I want them to honor their word and have my fees reimbursed as well as additional reimbursement from my pain and suffering this inconvenience has caused me.
Product: Credit reporting or other personal consumer reports

I was in XXXX and I lost my wallet with all my information inside XX/XX/2024. I sent over XXXX FTC Reports XXXX XXXX, XXXX and transunion. XXXX time in XXXX of XXXX & another time in XX/XX/2024. I recently just got into my XXXX this year and notice it was inaccurate and fraud done to my name that I did not give any consent to. Once I did the correct procedures no one answered my reports my letters or anything.
Product: Debt collection

Keynote collections is trying to collect a fake bill which dated 3 years ago ( Keynote file number is XXXX ). The fake bill comes from XXXX XXXX XXXX. I explained this issue to Keynote collections and provided them with original paperwork. I sent two emails to Keynote Collections but never received any reply. Keynote Collections failed to show any validation of the debt and said there was only verbal conformation but not any paperwork. 
I attached my email to Keynote Collections as an FYI.
Product: Student loan

I pulled my credit reports recently. I found that Georgia Student Finance was listing a loan with three credit bureaus. The balance is for {$2700.00}. Due to financial issues from the pandemic, I am unable to afford to pay this balance.
Product: Vehicle loan or lease

Credit acceptance auto finance loan is a bunch of crooks. All the information pertaining to my car loan that I inquired on has continuously went unanswered. Here are some of my concerns. For starters I have been paying a repossession down for two ( 2 ) years in the amount of {$500.00} monthly and the balance still remains the same. This would make the loan more than 120 days past due and yet the loan has still yet to be written off ; and I am still being assessed compounding late fees. I would like to settle this loan for a reasonable amount or the value of the vehicle. I have dealt with difficulties and setbacks throughout the course of the pandemic including contacting XXXX  myself multiple times, unsteady employment and housing and each and every time I asked for assistance I had been denied. Please assist with a settlement or balance write off for this vehicle as they have received more than what the vehicle is worth.
Product: Debt collection

Jefferson Capital Systems contacted somebody not related to me ( significant other ) about my debt. They specified my name and that they were attempting to collect a debt in their communication. This is illigal.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  which has recently " verified '',   XXXX   & TRANSUNION are all reporting a collection account,   XXXX   XXXX   XXXX   XXXX  , AKA   XXXX   XXXX   XXXX   XXXX  , ACCT. #   XXXX   XXXX  N THE ESCALATED AMOUNT OF   XXXX   DOLLARS FROM THE ORIGINAL AMOUNT OF 3 XXXX 3 DOLLARS ... .THE ORIGINAL CREDITOR IS   XXXX   XXXX   XXXX   XXXX   AKA   XXXX   XXXX  r.THE ORIGINAL CREDITOR HAS PERPETRATED " FRAUD '' in my case ... ..I ordered water service at a   XXXX   sales signup inside a  XXXX  store.What I signed up for was a  XXXX  dollars per month service.What I received was substantially higher on the 1st bill, which were surcharges undisclosed to me in the sales presentation ... ..I spoke to   XXXX   on the phone ... we could not come to agreement ... they would not relent on the undisclosed fees/surcharges so ... .. I told them to come pick up their equipment.They made 3 different appointments to come pick-up their equipment and were no-shows all 3 times.The machine/dispenser sits in my house to this day ... they obviously do n't want it.
What  XXXX  /  XXXX   XXXX    wants to do is perpetrate fraud and 1 ) overcharge on their service,2 ) '' sell me '' their equipment I do n't want, and 3 ) ring up a huge unrealistic tab, give it to an relentless collector who could n't give a DV notice or Debt Validation .... because it would invoice or document their crime as evidence in court .... I have found out from the BETTER BUSINESS BUREAU that this scheme is being perpetrated all over the country.
So if the credit bureaus do n't delete.. the CFPB will receive a complaint against the collector/furnisher AND THE O.C. the organizer of the fraudulent financial scheme.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regarding Trans Union Bureau On XX/XX/2021 I demanded to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that Trans Union has on file ; and on XX/XX/2021 I sent XXXX XXXX demand to comply with my initial notice dated XX/XX/2021. As of today I have not received the proof I requested. It has been 30 days and still noconclusion to their investigation. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Trans Union is required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that they post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

Their failure to positively verify the accounts mentioned in my XX/XX/2021 XXXX notice has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed.
Product: Mortgage

Axos bank stole my money! My mortgage was purchased by Axos bank over a year ago and I setup autopay. Everything was going fine for a while. On XX/XX/2023 Axos bank withdrew two mortgage payments from my bank account on the same day. I did not setup two payments. When I spoke to XXXX, their customer service rep, he admitted it was the bank that had caused that to happen. He said the last time there was a change on my account was in XXXX, XXXX, but I advised him that I did not log in and make that change. He admitted the problem was on their end. Now they won't give me my money back. They said it would take 30 days to cut a check and suggested I work through my own bank to stop the payment. My own bank said that because it was an ACH initiated by Axos, my bank can't stop the payment at this point ( now 24 hours later ). 

My own suspicion is that Axos is undercapitalized and is looking for money anywhere they can find it, but that's purely speculation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to address a concerning matter regarding the reporting of my credit information by your agency. It has come to my attention that late payments and credit utilization data have been included in my credit report, despite falling under the exclusions of transactions and experiences as defined by the law.

I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681 ( a ) ( 2 ), which requires consumer reporting agencies to provide accurate and fair credit reporting. Additionally, 15 USC 6801 and 6802 ( b ) ( 2 ) explicitly state that nonpublic personal information, including transaction and experience data, should not be disclosed without proper authorization. 
By including late payments and credit utilization data in my credit report, your agency is in direct violation of these federal laws. As a result, this inaccurate and misleading reporting is adversely affecting my creditworthiness and financial standing. 
Moreover, these violations raise serious concerns about this agencies blatant misuse of my personal information and other fraudulent activities. Under 18 USC 1028 ( a ), such identity theft offenses are subject to criminal penalties, further emphasizing the gravity of this matter.