23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and found the following item ( s ) to be errors. See the attached copy of my credit report ; the errors have been highlighted. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. 
Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. 
Here as follows are items in error : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. Erroneous RESULT OF XXXX XXXX Breach Direct Violation of The FCRA Reporting incorrectly. PAYMENT HISTORY DATES ACCOUNT NUMBERS BALANCE INCORRECT AMOUNTS PAYMENT STATUS Inaccurate across all 3 Bureaus XXXX TransUnion and XXXX. Please Investigate XXXX Account Number : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item 4. The following account contains a late payment that needs to be removed as this is a FDCPA Section 807 Violation Misleading False Reporting. This late payment being reported is inaccurate and needs to be investigated and removed XXXX Account Number : XXXX Please investigate and remove it from my credit report. 
5. The following account contains a late payment that needs to be removed as this a violation pursuant to 15 U.S Code 1681s-2. This late payment being reported is inaccurate, and needs to be investigated and removed. 
XXXXXXXX XXXX XXXXXXXX. 
Account Number : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item 6. Last Payment Date and Last Active Date should be same in 3 bureaus. But here the account is showing different information in every bureau. It is a clear violation per the FCRA. 
XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report.
Product: Vehicle loan or lease

On XX/XX/27 Capital One Auto Finance used my social security number for an extension of credit, because my social security number was used I received no benefit this is proof of fraudulent activity. Fraudulent activity is unauthorized use of a credit card on behalf of Capital One Auto Finance. I the consumer and natural person, was denied credit by Capital One Auto Finance when I applied for a vehicle. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. Capital One Auto Finance are subject to criminally liability for violating 15 U.S.C 1691 as I have proof what I was discriminated against by Capital One Auto Finance due to the response I received. Capital One Auto Finance is in violation of 15 U.S. Code 1642. U.S.C 1681m and 12 cfr 1002 because I, the consumer, made an application in good faith, but credit was not issued.
Product: Checking or savings account

This is a complaint regarding Bank of America. A new checking account was opened in my name without my permission. I am unsure if this is fraud from another individual using my identity or a bank employee that opened an account without telling me. I contacted Bank of America at their XXXX number, spoke to an employee about the situation. He explained he could not help me, but transferred me to someone who could help. I waited on hold for over XXXX minutes but no one took the call. There is no option to dispute this account online, nor the fees that I am being charged for the account. I would like your assistance in closing the account, refunding the fees I was charged ( due to a XXXX balance in the account ) and investigating if Bank of America had a role in this fraudulent activity.
Product: Credit card

I was mailed an offer from Discover for a rate of 15.24 %. I called to verify the offer before I applied for it online and was told it was correct. When I applied with them my credit score was a XXXX. My promotion ended with them and now they have charged me a rate of 23 %. That 's insane. When I spoke with a manager they said they would lower new purchases to 18 %. They said when I opened the account it was 22 %. Why was I offered a lower rate today when my score was higher at time of opening? I want what I was told. I feel like they are trying to rob me XXXX.
Product: Debt collection

on X/XX/2017 I received a call from XXXX. The person identified himself as XXXX XXXX from XXXX XXXX XXXX. This company continually calls my place of employment, threatens me with being served, calling friends and family to track me down, etc. They contact my work number four to five times a day, sometimes 3-4 times a week. They leave nasty messages on my cell phone also threatening. They tell me that I committed fraud, punishable by law by being arrested and literally scare the XXXX out of me. I had to leave work one day because I was so panicked about being served and arrested at my work I had a major XXXX XXXX. I want these people to stop making these threats and apparently no one has been able to stop them. I did research through BBB and it says this company is closed, but I do not know where these people are located because they wo n't tell you. There were numerous requests for credit, 16, through XXXX XXXX on my credit report that I did not do and it took time to get them off which I save all of the letters, but I have a feeling this company was doing this but ca n't prove it. I need help!
Product: Debt collection

Formal Complaint Regarding FDCPA Violations by NetCredit ( Account # XXXX ) Date : XX/XX/year> Complaint Details : I am filing a formal complaint against NetCredit for violating the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S. Code 1692c, which governs communication in connection with debt collection. 

Summary of Violations : I previously filed a complaint with the CFPB under Complaint ID XXXX, opened on XX/XX/year> and closed on XX/XX/year>, regarding NetCredit 's failure to provide proof of debt as required by law. 

On XX/XX/year>, I sent a dispute letter to NetCredit via USPS tracking # XXXX, and again on XX/XX/year>, via USPS tracking # XXXX. In both disputes, I explicitly requested in writing, under 15 U.S. Code 1692c ( c ) - Ceasing Communication, that no telephone contact be made by NetCredit to my home or place of employment. 

Despite this, NetCredit has repeatedly harassed me with telephone calls on XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year>. These actions are in direct violation of the FDCPA. 

Legal Basis for the Complaint : Under 15 U.S. Code 1692c ( c ) - Ceasing Communication : If a consumer notifies a debt collector in writing that they refuse to pay a debt or that they wish the debt collector to cease further communication, the debt collector shall not communicate further with the consumer regarding the debt, except under certain conditions. 
NetCredit has failed to comply with this legal requirement by continuing to contact me via telephone, despite my clear written request to cease such communication. 

Request for Action : Given these violations, I request that the CFPB take the following actions : Investigate NetCredit 's repeated violations of the FDCPA. 
Impose appropriate penalties for their non-compliance. 
Ensure that all future communications from NetCredit are conducted in writing, as requested. 
Attached Documentation : To support my complaint, I have attached the following documentation : Copies of the dispute letters were sent to NetCredit with USPS tracking numbers. 
A record of the dates and times of the harassing phone calls from NetCredit. 
I trust that the CFPB will take appropriate action to address these violations and ensure NetCredit 's compliance with federal law. 

Please consider this letter as notice of intent to file a lawsuit, where I reserve my legal right to start litigation without providing future notice. 

Thank you for your attention to this matter.
Product: Credit reporting

During XXXX 2015 I went to XXXX XXXX at XXXX XXXX XXXX ( XXXX, Tel XXXX to purchase a car, they requested credit approval ( Hard Inquiries ) to XXXX Banks or Credit Unions. The XXXX XXXX requested with Reliable was approved in the amount of XXXX. I learned that I had XXXX approved since the day one when I visited " XXXX '' ( The car dealer that sold me the car I have ) " XXXX '' immediately used the Reliable approval and financed the car to me. 
The Credit lady at " XXXX '' told me, BUT XXXX YOU ALREADY HAVE XXXX. APPROVED! and Reliable was the first bank XXXX requested approval from. 
On the other hand I do n't know why XXXX XXXX requested so many approvals without telling me and without my consent!. I was sitting there and they did n't tell me about all these wrongfull moves they were doing. 
I 'm guessing XXXX did n't tell me because they did n't have a used car in that amount. So they went ahead without my approval and requested credit to XXXX other banks. They only asked me if the could call XXXX and A XXXX XXXX in XXXX XXXX, XXXX. The other credit approval requests ( Hard Inquiries ), I did not authorized these. I called that evening and asked XXXX and XXXX XXXX to call Transunion and Delete those credit approval requests that I did n't even knew they were making. They told me that the credit lady said she would call, but never really called Transunion. These Hard Inquiries are showing on my Transunion report and need to be deleted immediately. I swear I called and they told me that they would delete all those Hard Inquiries made without my approval! and maybe if I had already been approved {$9500.00} they should also request deletion of request made to XXXX and to the XXXX XXXX XXXX XXXX. These wrongfully hard inquiries needs to be deleted inmediately. Another phone number I have for XXXX is XXXX. 

When I went to " XXXX XXXX '' within that same week. immediately they checked with Reliable and told me I had XXXX approved alreadyXXXX XXXX XXXX needs to request deletion of these hard inquiries : XXXX XXXX XXXX/XXXX/2015XXXX XXXX XXXX/XXXX/2015XXXX XXXX XXXX XXXX XXXX/XXXX/2015XXXX XXXX XXXX/XXXX/2015 ; and the approval request to XXXX should also be deleted because even though I approved it, it was done with positive Credit Approval on hand by Reliable Auto!! 
XXXX approved by Reliable was brought to my attention by the Reliable Representative at " XXXX XXXX ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed in a certified debt validation letter to the credit bureaus in reference to the collection company called XXXX XXXX on XX/XX/2018. By law a collection agency must mail in proof that legally shows a consumer is responsibly for the debt. Mailing a bill is not proof that I am responsibly for the debt. XXXX XXXX failed to provide accurate information within 30 days from the date of the dispute letter, and is direct violation of my FDCPA, and my FCRA rights, and has to by law delete this information from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I became aware that I was the victim of identity theft, as a fraudulent credit card was on my credit report ( tied to phone number and addresses that do not belong to me ). I immediately reported this to the police. I then disputed the inaccurate information to all three credit bureaus as well as sent them a copy of the police report ( which they have all received - as I have tracking confirmation ). I then called the creditor ( Chime Stride Bank ) to report the fraudulent account and have them close it. The Chime Stride bank call center just routes me to send information and response request to an email. I have emailed Chime Stride bank the police report of the identity theft twice. I only receive automated responses from them. I then heard from two of the reporting agencies that the creditor keeps reporting the fraudulent account as valid on my credit and therefore the credit bureaus will not remove it from my credit. I have created a report with the Federal Trade Commission and now with the Consumer Financial Protection Bureau as this creditor ( Chime Stride bank ) has been informed that this is a fraudulent account and refuses to report as such on my credit so it can be removed. They are also stonewalling me from being able to elevate it within their organization
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I went to buy a new car at XXXX XXXX in XXXX XXXX XXXX florida, they pulled 4 or more inquiries that we did not authorize on my husband and Is credit report. We are currently trying to buy a house but all these inquiries are making it hard. I want them removed. I was in a car accident that was not my fault, I had to buy a new car, I was injured, now they are having an impact on our financial goals. These are the names i found : factual data, XXXX XXXX, XXXX, XXXX, and XXXX XXXX. 

This is not right and we did not know that they did this to us. 

Not to mention my experience buying a car at this location was awful! Everyone I know has had bad experiences with them.
Product: Credit reporting or other personal consumer reports

I just obtained a copy of my Credit Report and noticed XXXX accounts that do not belong to me. XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. I also see XXXX hard inquiries that I did not give permission to run my credit. I have included all these accounts and the reported balances in my Identity Theft Report.
Product: Credit reporting or other personal consumer reports

CAPITAL ONE AUTO FINANCE, is in violation of multiple laws set forth by Congress in regards to the following account # XXXX. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( me ) and the person ( CAPITAL ONE AUTO FINANCE ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( CAPITAL ONE AUTO FINANCE ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX, XXXX, XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. CAPITAL ONE AUTO FINANCE can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge-off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website, from my Consumer Report. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from CAPITAL ONE AUTO FINANCE for the cancelled debt of {$24000.00} in order to file as ordinary income. Where is my 1099-C? CAPITAL ONE AUTO FINANCE is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS for debts greater than { {$600.00} }. This is unsatisfactory! CAPITAL ONE AUTO FINANCE has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In CAPITAL ONE AUTO FINANCE terms and conditions they agreed not to share my information with non affiliates. XXXX, XXXX, and XXXX are not an affiliate of CAPITAL ONE AUTO FINANCE nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors 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.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against Experian regarding their handling of a dispute I submitted concerning a XXXX  XXXX bankruptcy entry on my credit report. The report number in question is XXXX. 

On XX/XX/year>, I disputed the accuracy of the XXXX XXXX bankruptcy entry on my Experian credit report. Following this dispute, Experian verified the bankruptcy as accurate, despite the fact that I had previously received documentation from XXXX indicating that the bankruptcy entry was unverifiable and had been removed from their records. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 7 ), a credit reporting agency is required to provide the method of reinvestigation used to determine the accuracy of the disputed information upon request. Experian has failed to comply with this requirement by not providing the details of their investigation process or how they verified the bankruptcy entry. 

I request that the CFPB intervene to ensure Experian adheres to its legal obligations by providing a detailed explanation of the method of reinvestigation used for the report number XXXX. This information is crucial for me to understand how Experian reached their verification decision and to ensure that my credit report is accurate and up-to-date. 

Please find attached copies of the dispute letter I sent to Experian, their response, and the XXXX documentation indicating that the bankruptcy entry was removed from their records due to unverifiability. 

Thank you for your prompt attention to this matter. I look forward to your assistance in resolving this issue. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

Representative of Rocket Mortgage, XXXX XXXX contacted me regarding refinancing mortgage subsequently submitted application ro which he emailed I was approved. Another request was made for recent paystubs which I provided for 1st 2 weeks of new job along with 2023 W2s. To this date I have not heard back from Representative. He said application was ready for signing and I've called and emailed daily for 2 weeks without success. I am very dismayed and no not what to do. 
Thanks
Product: Credit card or prepaid card

I use autopay to pay credit card bills. I had selected the option of paying full balance after noting that previously only minimum amount was selected to be paid. 

Despite that however, on XXXX XXXX, only minimum amount due was paid to my credit card. Both credit card and my bank account are with Bank of America. Later, an interest was charged to my account. 

I called them and explained that I had selected that full amount be charged from my account. They verified that that was the case. However, they said that such changes can take up to one month to take into effect. 

I countered that regardless, my intent has been and still is to pay in full balance. And so interest charged should be removed. I do not recall being informed that the changes take one month to take effect. 

Neither banking department or credit card department can resolve the issue and would refer me to the other department
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am submitting a formal complaint against XXXX, XXXX, and TransUnion regarding inaccurate reporting of the XXXX XXXX account, referenced by account number XXXX. This account is reporting inconsistently and inaccurately across the three credit bureaus, and these inaccuracies are causing significant harm to my financial standing and jeopardizing my ability to purchase a home. 
The inaccuracies in question involve the following details : Date Reported Date Last Verified Date Opened Date Closed Date of Last Payment Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies, furnishers of information are required to report accurate and complete information to credit bureaus. However, The three bureaus have failed to meet this obligation, as demonstrated by the discrepancies in the reported information. These inconsistencies are directly affecting my creditworthiness, approval ratings, and overall financial stability. 

I have made diligent efforts to resolve this issue, including contacting XXXX XXXX and disputing the account with the credit bureaus, but no corrective action has been taken. This lack of action violates the Fair Credit Reporting Act ( FCRA ) and continues to cause me undue financial harm.
Product: Credit card

1. This is a high limit credit card. I have max'ed out this credit card and always paid it in full. I had a relationship with this bank for 2 years. The company closed my card without reasoning and said they would find a way to reopen it. I have $ XXXX in purchases with information of the purchases I need for my taxes. I am not able to access the accounts or find any records. 

2. There is an unathorized purchase on the account from XXXX I am trying to dispute and no dispute was opened. 

3. I had made a full payment in XXXX and I was still charged interest. The bank said they would refund the interest charge and never did so.