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

I, XXXX XXXX, as a consumer, living man and one of the People mentioned in the Constitution for the United States of America, am aware of all my reserved rights, protected by the Constitution for the United States of America, all state constitutions, and by Congress under the Fair Credit Reporting Act ( FCRA ). Pursuant to 15 U.S. Code 1681a ( b ), " the term 'person ' means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. Pursuant to FCRA/15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ), 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. Pursuant to FCRA/15 U.S. Code 1681s-2 ( a ) ( 1 ) ( B ), A person shall not furnish information relating to a consumer to any consumer reporting agency if -- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. Pursuant to FCRA Section 602 ( a ) /15 USC 1681 states that I have a right to privacy. Pursuant to FCRA Section 604 ( a ) /15 USC 1681b states that a consumer reporting agency can not furnish an account without my written instructions. Pursuant to Fair Debt Collection Practices Act ( FDCPA ) Section 804/15 U.S. Code 1692b, " any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall -- ... ( 2 ) not state that such consumer owes any debt ; and ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. The FDCPA Section 803 ( 6 ) /15 U.S. Code 1692a defined debt collector/person, XXXX XXXX XXXX does not have my written instruction to furnish any alleged debt on my consumer reports, especially one that is hearsay evidence, nor any of my personal information disclosed or my alleged involvement with the alleged debt by another person ( XXXX XXXX XXXX XXXX. XXXX XXXX XXXX must adhere to a consumer 's right to privacy. Account Name : XXXX XXXX XXXX, Account Number : XXXX has violated my rights multiple times and for years now. Pursuant to 28 U.S. Code 1746, I, XXXX XXXX, verify under penalty of perjury under the United States of America that the foregoing is true and correct. Executed this day XX/XX/2022. XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I wrote transunion to investigate some inquiries on my credit report that I did not initiate.
Product: Prepaid card

Cash app took money out my account and when I tried to contact them about the issue I could never get in touch with customer service
Product: Credit card

On XX/XX/2023 Synchrony/Paypal credit card was settled for the amount of XXXX. 
It was then cashed by SYNCHRONY BANK on XX/XX/2023. 
I have provided the check as proof as well as the paper mailed out by SYNCHRONY stating that they agreed to this settlement. It is dated XX/XX/2023. 

After asking me to mail in the documentation for proof on XXXX XXXX I was told that they sent my account to XXXX XXXX to be placed with another collection agency. I was also told that it would take 60 days to investigate my dispute.
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 XXXX XXXX XXXX. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX,. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to XXXX XXXX XXXX ( XXXX ) they are suppose to modify accounts that isn't reporting correctly. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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. 

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case
Product: Debt collection

I have disputed this account was TransUnion. The account is acceptance now. I have no knowledge of this account. I asked trans union to send me the name, number, and person that verified the account and how did they verify the account. The failed to provide the information requested.
Product: Checking or savings account

Based on ( recorded by BofA ) questions I posed and the answers given by supervisors during calls with Bank of America, I believe your agency could pull the calls and use them as the basis for an investigation. 

On Saturday XX/XX/year>, I checked the balance in my Checking Account ending in XXXX and then logged into my Apple Cash account in my XXXX. The first attempt to debit my BofA account to move XXXX  to XXXX XXXX was declined. XXXX more attempts were declined. Now approx {$1500.00} is held in limbo and BofA claims its out of an abundance of caution BofA doesnt want to play nice with new, alternative banks especially not XXXX . 

The fact it happened on Saturday is telling. My professional operations and financial served background lead me to suspect that BofA must decline larger transactions that could take them below their estimates going into a long weekend. Its easy to decline XXXX  XXXX transactions to XXXX XXXX XXXX or similar and claim its due to security. 

Please contact me for further insights. Please dont dismiss this. 

Regards. 

XXXX XXXX XXXX
Product: Prepaid card

I paid for an American Express Pre-paid Gift cards on or about XXXX XXXX in the value of {$75.00}. The card had charges on it before I even received the card in the mail. I attempted to communicate with American Express to advise that AMEX needed to send a replacement card. Amex said that they disclaimed all liability! In fact, I could not even speak with anyone about the card. I emailed AMEX and a representative wrote me an email and said there was nothing AMEX would do after selling me a pre-paid gift card of {$75.00} with a balance of XXXX on it when I received it. For more than one year, I have been attempting to communicate AMEX about this. AMEX is discriminating against me as a minority woman by selling a pre-paid gift card with a XXXX  balance on it. THIS IS NOT ABOUT A PURCHASE MADE USING THE CARD. THE PROBLEM HERE IS THAT THE PREPAID CARD CAME IN WITH A XXXX BALANCE.
Product: Prepaid card

I have had possession of an American Express gift card which was fraudulently used to make a purchase. Amex treats these cards as cash so basically they were only willing to say " sorry '' and give me the name of the company that processed the transaction. The company, of course, is completely unresponsive. There is no consumer protection for these gift cards and now I have lost that money fraudulently. If the card were truly similar to cash I would have never lost it because it remains in my pocket. There must be a better way for Amex to protect these cards.
Product: Vehicle loan or lease

I bought a car from XXXX XXXX XXXX of XXXX it was used. The dealer sent my credit information to different loan people. I wanted to buy a used XXXX car and a used XXXX XXXX XXXX. My credit wasnt good to get both car. My boyfriend and I co-signed the application to get the cars. The dealership the bank didnt like the XXXX car and would only finance the XXXX XXXX XXXX I was told my car payment would be {$650.00} because of my credit and I didnt need my boyfriend to be a co-signer on my loan. I put a {$1000.00} down. Go back to the finance department to they tried to make me put {$1500.00}. I said no I only have {$1000.00}. Gave them the money. Next he says your car payment is {$680.00}. I said why did it go up. The financial guy said I never said it was {$650.00}. I said the car salesman told me that it would be {$650.00} until I make my car payments on time to build my credit up and then I can refinance for a lower car payment. They told me that Santander was the only one who approved my loan. I later received a letter from XXXX XXXX stating that they received my application for a car loan approval but the loan had changed and I was denied. I have not been able to refinance. Santander bank said they dont refinance and they cant do anything about the payment. They said to find a bank that would finance. Also at the dealership they told me they made the car cheaper so the bank would take it. The car was {$24000.00}. They did not make anything cheaper because by the time tags and taxes were added the total was {$24000.00}. This is not only a rip off by the dealership but also the banks. {$680.00} for a XXXX used XXXX XXXX that had XXXX miles. Im just paying interest at this point the principal isnt even going down. This is misleading to consumers and both car dealerships and banks are in on it. The banks and car dealerships make sure they help each other out to be deceptive to consumers. I should have been aware of who they sent my application to. These deceitfully and unfair banking car dealership practices need to be address. The perception of refinancing cars is very misleading to consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # ending in XXXX for XXXX  XXXX, Acct # starting in XXXX for XXXX XXXX, Acct # starting in XXXX XXXX XXXX Acct name 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.
Product: Vehicle loan or lease

I financed a XXXX XXXX XXXX through Exeter finance on XX/XX/XXXX and I have made 50 payments at this time. On XX/XX/XXXX I decided to trade in this vehicle, but when my credit report was ran this loan has not been reported to any of the three major credit buraus. I contacted Exeter on XX/XX/XXXX and spoke with two different people and no one could explain why or fix the issue. I contacted them again on Monday XX/XX/XXXX and spoke with a supervisor who told me someone by the name of XXXX XXXX from XXXX Texas sent them a letter in XXXX of XXXX asking them not to report my payments. I sent Exeter an email about their mistake and they continue to refuse to correct the issue. I called back on Tuesday XX/XX/XXXX and spoke with several people and they continue to refuse to fix their mistake. Now I am stuck with a vehicle that I no longer want. I feel like this company should be held responsible for their fraudulent actions and solve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam, On XX/XX/XXXX I inquired about a home purchase with XXXX and my credit was pulled for a USDA loan only. This credit inquiry is currently showing on my credit file as XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX I got another inquiry from their preferred lender, Calcon Mutual Mortage via XXXX XXXX also known as One Trust Home Loans. I immediately called them and told them not to access my file again and to remove the inquiry. XXXX XXXX advised me that the inquiry would only count as one and that he could not use the fie obtain thru XXXX XXXX although they are located in the same office. On XX/XX/XXXX the lender again accessed my credit file without my permission this time showing up as XXXX XXXX XXXX via XXXX XXXX. 

On XX/XX/XXXX an email was sent stating I wanted to cancel my application with this company due to numerous lies I had been told up to this point regarding the home, the loan etc.. The company responded by sending me a statement of change letter on XX/XX/XXXX stating my application has been withdrawn. 

On XX/XX/XXXX the company again accessed my credit fraudulently, without my permission this time using the name XXXX XXXX XXXX XXXX XXXX. 

On XXXX I was advised that XXXX XXXX could not approve my USDA loan but was able to get my approved for other loan types that I did not give him permission to inquire on my behalf for. My earnest money was refunded to me on XX/XX/XXXX and I have not had further contact with this company. 

I'm filing this complaint to have all unauthorized inquires removed from all reporting agencies immediately or I will be forced to file a police report. 


thanks in advance
Product: Mortgage

We were informed in XX/XX/XXXX that our escrow amount had changed significantly - increasing by approximately XXXX. I called the company to dispute this amount and spoke with them on several occasions. They told me that the issue had already been reviewed twice and escalated and that any dispute would need to be sent through their research department. On XX/XX/XXXX I sent a letter to their research department explaining that they had incorrectly calculated my tax amount because ( 1 ) they had failed to pay XXXX taxes as required ; ( 2 ) they incurred fees an penalties as a result ; ( 3 ) the amount used in the calculation included both XXXX and XXXX taxes as well as the penalties incurred ; and ( 4 ) they added an additional amount due to their third party provider telling them that XXXX and XXXX taxes were due. We received a letter stating that the issue is under review but that our escrow amount has not changed. Currently, my escrow amount it higher than my mortgage principal and interest. The escrow amount increased by 4x despite the actual taxes owed having decreased in XXXX. Everyone I have spoken to on the phone agrees that this is incorrect but they have yet to do anything to correct this error.
Product: Payday loan, title loan, or personal loan

My complaint against LightStream is that I was overcharged interest and I did not receive my 1 percent interest rate discount as advertised for doing automatic debit from my checking account. Also I am being overcharged with the interest rate I was given and my resolution is that Lightstream credit back all the interest due to me after I took out the loan.

I am being charged about 10 % more interest on this loan than agreed to when I signed with Lightstream and I reached out to the company in regards to this issue on XX/XX/XXXX in regards to my loan being calculated incorrectly and I requested a copy of my amortization schedule which I never received. 
Account XXXX Create Nickname Original Loan Terms Loan Amount : {$13000.00} Interest Rate : 12.44 % Loan Term : 48 months Funding Date : XX/XX/XXXX Current Loan Terms Principal Balance : {$8000.00} Interest Rate : 12.44 % Current Term : 25 Payment Method : AutoPay Payment Amount : {$360.00} Date Next Payment Due : XX/XX/XXXX Amount Due : {$360.00} Per Diem : {$2.00} Interest Paid This Year : {$1100.00} Interest Paid Last Year : {$1500.00} Lifetime Interest Paid : {$2600.00}
Product: Checking or savings account

Wells Fargo closed my savings and opened a checking then charged me monthly fees. I went to the bank and it was research that this happened in 2017. I never gave authorization for this account.
Product: Vehicle loan or lease

Ever since XX/XX/2023 I have been trying to get an itemized statement from ally and they will not tell me anything Im asking to see what was owned on this car tell me what car was worth they took all insurance payoff and now XXXX  XXXX  come on why should the consumer suffer
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is reflecting a new accounts that were opened that are fraud and not me. I think my identity was stolen. This includes an account for " XXXX '' as well as " Comenity Capital Bank ''
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 TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my SYNCB/JCP - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is already TRANSFERRED/SOLD however this account still reports repetitive late payments which is severely affecting my scores.
Product: Credit reporting or other personal consumer reports

I notified Transunion on several attempts that these are inquiries I didn't recognize and/or didn't give authorization for. These are 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
Product: Credit reporting or other personal consumer reports

I AM IN DISAGREEMENT WITH THE ACCOUNTS LISTED BELOW WHICH STILL APPEAR ON MY CREDIT REPORT, EVEN AFTER YOUR INVESTIGATION. I WOULD LIKE THIS IMMEDIATELY RE-INVESTIGATED. THE INACCURACIES ARE HIGHLY INJURIOUS TO MY CREDIT SCORE. THESE ACCOUNTS APPEAR TO BE OPENED WITH INACCUATE PERSONAL INFORMATION WITH EQUIFAX AND NOT MINES. 

EQUIFAX : XXXX : ACCOUNT NUMBER XXXX EQUIFAX : XXXX  : ACCOUNT NUMBER XXXX IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, PUBLIC LAW 91-506, TITLE VI, SECTION 611. PLEASE PROVIED THE NAMES AND BUSINESS ADDRESSES OF EACH INDIVIDUAL WITH WHOM YOU VERIFIED ABOVE SO THAT I MAY FOLLOW UP. PLEASE SEND ME AN UPDATED COPY OF MY CREDIT REPORT AFTER YOUR INVESTIGATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTER ACT XXXX  ACCOUNT NUMBER 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 I ALSO STATE A CONSUMER REPORTING AGENCY CAN NOT FURNISH YOUR ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a certified letter to Experian to dispute incorrect information on my credit report. I received a response dated XX/XX/2022 claiming that an investigation had been done and the information had been verified. On XX/XX/2022 I sent another certified letter to Experian because they did not actually prove that the debt in question was mine. I did not receive a response within 30 days. On XX/XX/2022 I sent a certified letter explaining that they did not respond in 30 days and they should re-investigate the incorrect items and remove them immediately. In XXXX, I received the green proof of signature card from Experian but it was not stamped or dated, which allows me to track how many days it takes for them to respond. Experian Credit Bureau has not responded in the time frame required by law and they have not removed the incorrect information from my credit report. I believe this is a stall tactic used by Experian to keep from doing the work of investigating and removing incorrect information from my credit report.
Product: Checking or savings account

Hi, This is in reference to a previous CFPB complaint : XXXX Submitted to the CFPB on XX/XX/year> It has been over 90 days as advised in the previous complaint, and I still do not have the {$410.00} bonus credited to my XXXX account. 

Also, here is my response to the previous CFPB complaint : The response states " The typical timeline to receive the external promotional bonus is 90 days '' Yes, the typical timeline may be 90 days. But on this particular promotion, in the terms, it states : " Allow up to 70 days from the date of the first payroll direct deposit into your Chime account. After the 70-day period has elapsed, if you still have not received your reward, please contact our Help Center promptly and provide proof of your qualifying activity. '' They also state " Please contact XXXX to confirm when your reward points will be posted to your account. '' But I did already contact XXXX, and they denied the cashback. That's why I'm submitting this complaint. 

I am requesting Chime to contact XXXX, their third-party affiliate partner- and let them know I qualified for the offer and I am entitled to the {$410.00} promotional reward. That way I can be credited, as Chime already confirmed I met the requirements in the previous CFPB complaint. 

Thank you so much for your time and help. 
XXXX
Product: Money transfer, virtual currency, or money service

I used Cash app square , Inc app to make a stock purchase. I made an order over the weekend. The stock purchase was supposed to execute at XXXX on Monday XX/XX/20. I was supposed to be {$4000.00} purchase of stock XXXX at {$9.00} per share. But the CashApp company did not make the purchase at XXXX. I submitted a cancel order request at XXXX. But as I submitted the cancellation request, the company actually made the purchase at {$13.00} per share. I did not authorize the purchase. I contacted the company through email on several occasions about the unauthorized trade but they have been unresponsive. They do not have a telephone number available to customers. I would like a refund of my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX - XXXX  closed my account for being 60 days late on a payment. 

XX/XX/XXXX - XXXX changed companies handling their auto-payment They say they tried to contact me. However, I never received any postal mail or e-mail letting me know my auto-payment would stop. If they called, no voicemail was left. 

XX/XX/XXXX - I saw a 120-day late payment hit my credit report. I immediately contacted XXXX to find out what was happening ( I have e-mail correspondence ). I was told about the change in auto-payment companies and immediately set up auto-payment again and brought my account current. 


Here are some things to note. I have been on auto-payment since XXXX and have not charged the card since XXXX, perhaps in XXXX. For 5 years, I have been on auto-payment with this card without using it during that time, so I was not watching for the {$39.00} a-month payment. I did not see that it was no longer being paid and had no reason to believe it wasn't. This has destroyed my credit when I need it most, post-Hurricane XXXX and I can not get the credit I need due to this. I feel that I have shown to pay on this account on time for years then to have the bank change the company they use I get severely punished.