23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Discover credit pulled a bait and switch on me as a consumer. I received a balance transfer offer to get 0 % Apr to pay down my balance in full ; giving me until XXXX 2017. They are continuing to charge exorbitant fees, making it difficult for me to pay off the balance. When I wrote to them stating how difficult they have made things for me, they stated, " Paying down the complete statement each month avoids the charges ''. 

First off, I understand paying down the statement avoids charges. XXXX does not know me. If he did he would understand that the company I used to work for ( XXXX XXXX ) never paid me for the XXXX I turned in -- we 're talking about three years of XXXX. I have filed a complaint with the Dept of Labor about the company, and it has gone nowhere because the USA seems to allow criminals to go free. I am a XXXX XXXX who should have earned a nice living on the project that I was hired to do. Since I have n't been paid, the only source of my pay comes from a small XXXX check. This makes it exceedingly difficult to pay down my debts ... which I want to do!!!! 
I wrote to Discover Credit : " You deliberately did not answer my question. Your company has violated the agreement of allowing a 0 % Apr until XXXX for me, a XXXX American, to catch up my bills. Your answer was emotionally disconnected, and bourgeoisie, but I suppose that 's how you wish your company to be viewed. No. I do not agree with stealing. I will not allow you to steal from me. I am filing a complaint about your company with the FTC ( CFPB ), and will not be paying on this bill or having anything more to do with your shady, lying, thieving, company! 

This complaint is being filed because Discover Credit broke the terms of the agreement, and have charged such exorbitant charges on my account, bringing the balance to a high amount. I received the 0 % Apr offer thinking this was a XXXX that could get my debt to credit ratio down. They do this to low income people to steal their hard earned money and make them think they can FINALLY pay off their debts. I am trying very hard to get out of the debt hole that credit fees, and shady, dishonest people/companies have deliberately made for me. It is a financial hardship to go through this. It IS a bait and switch tactic that Discover Credit pulled and it needs to be reported to the CFPB agency. I told Discover that they are thieves and liars and cause unneeded stress in my life with their shenanigans. I will not be paying any more statements until they revert to the 0 % Apr agreement that was sent to me. They also had no business keeping an unlawful XXXX charge ( I sent back the item over a month ago -- I DO N'T have it!!! ). Their company is designed to run people into debt and needs to be audited for fraud.
Product: Credit reporting or other personal consumer reports

FCRA 605B mandates the removal of incorrect accounts from my credit report. Please verify the documents, as some listed accounts contain inaccuracies in the reported amounts and dates.
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 XXXX  XXXX, XXXX 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 an 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 card or prepaid card

Wells Fargo  closed my card down for some bogus reason that it was n't me that applied for the card. Though I went into the branch when I signed up and they made me go into the branch and give my ID  three times .   I have    XXXX   XXXX   cre dit from a payment to my card that wells fargo refuses to send me a check for.   I 've called  100 's of tim es to get my money back and  no one will   help. This is going on for 4 months. I am late on my bills because of it.   I have no other choice WILL have FILE A LAWSUIT AND MAKE COMPLAINT WITH THE attorney general for  wells fargo  illegially holding my funds
Product: Credit reporting, credit repair services, or other personal consumer reports

I never made this inquiry, I never been or went to this place. 
Inquiry name : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NH XXXX Date : XX/XX/2021
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies on my credit report. Despite my submissions, Transunion consistently responds stating that the accounts are accurate and verified, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act,15 U.S.C.1681i which mandates a reasonable investigation of disputes. Futhermore, Transunion 's actions may also contravene the Consumer Financial Protection Act, 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Transunion complies with federal la and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

Theres been an ongoing situation where Equifax has my information blocked from my credit monitoring apps & from other creditors such as financial institutions. I called and asking what was the issue, and they recommended I update all personal information & so I did. EQUIFAX CONFIRMATION XXXX XXXX XXXX XXXX XXXXXXXX. I have recently been trying to get an auto loan and multiple creditors have said that my Equifax score/report was blank and there were unable to see my score/report. I then called Equifax again only for them to say creditors should be able to see report & that they dont see any discrepancies thatll hinder my report from being unable to access. Creditors or my credit monitoring systems are still unable to see my Equifax Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am stating that XXXX, XXXX, Equifax are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as XXXX XXXX XXXX, Equifax may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave XXXX, XXXX, Equifax any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my XXXX, XXXX, Equifax credit report : XXXX XXXX XXXX XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give XXXX, XXXX, Equifax permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. XXXX, XXXX, Equifax are violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF XXXX, XXXX, Equifax wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my XXXX, XXXX, Equifax consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed XXXX XXXX.
Product: Bank account or service

On XXXX XXXX, 2016, we contacted Wells Fargo Customer Service by phone and asked for our XXXX Wells Fargo accounts to be closed : a Checking account, a Balance Plus account, and a Wells Fargo Advisors account. The customer service representative told us that the accounts would be closed immediately and verified our mailing address so that they could mail a check to us for any remaining funds. On XXXX XXXX, we received two letters from Wells Fargo. One letter, from the Deposit Products Group, dated XXXX XXXX told us they were converting our checking account from a PMA account to a Wells Fargo Everyday Checking Account and included a list of fees. The other letter, from Wells Fargo Advisors, dated XXXX XXXX, was a PMA Benefits Expiration Warning and a list of fees. Apparently, Wells Fargo has not honored our request to close our accounts. Instead they have converted them to some other types of accounts that we did not request. We would like to get Wells Fargo to close our accounts, refund any fees they may have charged since XXXX XXXX, and send any remaining funds to us.
Product: Vehicle loan or lease

I took a car loan with PNC Bank when I purchased my XXXX   XXXX XXXX last year. Payments are due on the XX/XX/XXXX, but I have up to XX/XX/XXXX to pay without a late fee. Given the timing of payroll at my employer, it is more convenient for me to pay closer to the end of the grace period ( i.e. the XX/XX/XXXX of every month ). I have communicated this to the bank verbally, and thru their social media. 

I pay more than the minimum every month. 

I have requested that they stop calling me, and went as far as contacting them by phone, thru social media and even a " snail mail '' letter as is their procedure. The calls have continued. Again, I make payment every month and my credit score continues to go up. This amounts to harrassment from this bank and I want it to stop.
Product: Debt collection

Procollect has put my account into collections from an identity fraud case. Someone stole my identity and opened up a gas, listing an incorrect address as well.
Product: Money transfer, virtual currency, or money service

Re : Fraudulent Cash App Transaction on XX/XX/2024 and Account Discrepancy with Cash App, I am writing to formally dispute a fraudulent transaction that occurred on my Cash App account on XX/XX/2024. I was attempting to deposit {$300.00} from my Cash App balance to my linked bank account using the instant transfer option. However, every attempt resulted in a failed transfer. 
Alarmingly, instead of depositing the funds, each failed attempt resulted in a corresponding withdrawal from my bank account. This left my account in a negative balance and caused significant financial hardship, especially since the incident occurred during spring break when I have additional expenses for my XXXX children. 
My bank verified these transactions and contacted Cash App directly. They were informed by a Cash App manager that the issue stemmed from a system error on your end, necessitating a refund from Cash App. The manager acknowledged the situation and admitted fault. 
However, instead of promptly reversing the erroneous withdrawals and returning my {$300.00}, Cash App dismissed my claim with a generic, pre-written response absolving yourselves of any responsibility. This response is not only unacceptable but also raises serious concerns about your company 's commitment to fair and honest business practices. 
It is clear that the funds were withdrawn directly from my bank account and deposited into Cash App 's routing number. There is no evidence of a third-party involvement as you imply. This blatant disregard for my financial well-being and the well-being of my family during a critical time is appalling. 
Your actions suggest a pattern of targeting vulnerable individuals, particularly those experiencing financial difficulties. The deliberate manipulation of a failed instant transfer system to withdraw funds from unsuspecting customers is nothing short of fraudulent. My bank has confirmed they have never encountered such a blatant act of financial manipulation by a company. 
I demand immediate action to rectify this situation. Please reverse the fraudulent withdrawals and return the full {$300.00} to my bank account. Furthermore, I expect a detailed explanation of how this error occurred and the measures being taken to prevent similar incidents in the future. 
I will be pursuing this matter further if a satisfactory resolution is not reached within a reasonable timeframe. This may include filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and exploring legal options. 
Sincerely,
Product: Credit card

Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishes, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Equifaxs inaction violates federal law and my rights as a consumer. Accounts : ( XXXX XXXX XXXX ) # XXXX XXXX date XX/XX/XXXX. ( XXXX Bank XXXX XXXX XXXX XXXX XXXX date XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I made the decision to review my credit report and use my rights under FCRA it was with an eye on challenging any information found in my report that is not accurate. By fighting back against this injustice, I am ensuring that the information on my credit report is accurate and reliable. I have every right to challenge any inaccuracies in a manner compliant with federal law when they are negatively affecting me financially because of their lack of accuracy or completeness. The claims within my report are wrong. The credit reporting agencies have to follow proper procedures if these claims are in their system and to be used in my credit reports! I challenged the accuracy and fairness of the XXXX credit reporting agencies ( XXXX, XXXX, and Experian ) by demanding evidence before they make any claims and take such drastic measures agains my reputation. I know that they can't just decide which rules apply to their organization, so I won't allow them to report any false claims. It's important to make sure all of the claims are accurate and reported in the correct format- this is required by law ( FCRA ) as well as XXXX XXXX standards. For any negative account I demanded documentation / proof proving why the credit reporting agency considers it delinquent or derogatory. They have yet to provide me records documenting how they verified and validated these accounts/ claims. Their proof of each negative claim they placed on my credit report should also include proof of a permissible purpose for any inquiry into the account. It's time for me to get my life back! I need the credit reporting agencies to send over some physical proof of what has been done and an updated credit report. Either confirm that this matter has been reported correctly or remove it from the report immediately. I gave them 30 days to investigate, that time has now elapsed. I received no response from XXXX and Experian at all! The only response I received from XXXX was a letter questioning if I was the person who sent in the letter..when all my information was clearly included and sent from myself! I am now escalating this matter to you, CFPB, in the 100 % expectation that you will do what you were created for and enforce this matter and protect me the consumer from this blatant neglect and lack of responsibility by XXXX, XXXX, and Experian.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my dispute regarding inaccuracies in my credit report.However despite my submission Experian responds within a couple days stating that account is accurate without providing any evidence after the investigation.This is truly in violation the Fair Credit Reporting ( FCRA ), 15 U.S.C 1681iwhich mandates a reasonable investigation of disputes .Furthermore Experian actions may also contravene with the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. XXXX ) against them for similar violations. I am requesting for CFPB to take action and ensure Experian complies with the federal law and provide consumer with proper complete and necessary proof of investigation.
Product: Mortgage

We had extensive exterior & interior home damage- it took 6 weeks after the completion of the exterior for the remaining XXXX to be sent to us to give our contractor final payment. 

Interior was gutted in XXXX & we have been in a hotel since XX/XX/year>. The interior project was submitted to XXXX XXXX and approved. XXXX XXXX sent check for XXXX in XXXX, Escrow still had a few thousands- the current total they hold is {$39000.00}. XXXX XXXX notified us via email that on XX/XX/year> additional funds of {$47000.00} was mailed to us with mortgage company on the check. We are still waiting for that delivery, but mortgage company was given the confirmation of payment email from XXXX XXXX. We have been trying to obtain funds for the project to begin with XXXX XXXX, they require payment in full prior to ordering materials and starting the job. All documents ( XXXX XXXX approvals & XXXX XXXX  quotes ) were forwarded to the loan escrow company. We have been aggressively pursuing the escrow company and are not making any headway ( supervisors not avail, calls not returned ) and I have been told that the inspections was done and funds will be mailed out, only to find out no other things need to occur, what I'm not sure. Meanwhile out XXXX XXXX quote will increase due to material cost- as this has been going on since XXXX. We are told by XXXX XXXX that materials will take 6-8 weeks delivery once ordered and then the reconstruction. I am reaching out because we have no recourse, this was not a planned remodel and we do not have XXXX to front, even if we had available credit card limits we would incur interest fees that we can not pay for, nor should we have to as XXXX XXXX approved the project. This is also a VA loan. PLEASE HELP
Product: Vehicle loan or lease

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit Plan for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. I need you to correct and or remove the following accounts reporting erroneous information on my Credit File : XXXX XXXX Balance Owed : {$14000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX Balance XXXX : {$100.00}
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 how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report 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 blocking the erroneous information which is being posted to my report. 

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

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, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 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: Checking or savings account

I deposited by ATM my XXXX check on the XXXX Well Fargo said it would be available on the XXXX of XXXX it was not. Then they gave me a date of the XXXX of XXXX. I needed my money for a XXXX XXXX This time frame could cause me to recieve a failing grade. Which would result in my having to repeat the class.Which means I would have to start a court case to get my class paid for by Wells Fargo if this occurs. It's should not take XXXX weeks for a check to clear. I'm sure they do business with XXXX daily.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Morning, On XX/XX/XXXX I received a notification from XXXX XXXX XXXX regarding a denial for a apartment in Washington DC ( XXXX XXXX ). Further, the denial indicated that I would require a guarantor as my credit report from trans union resident score was XXXX. I checked my Transunion credit report and I see that my credit agency score is much higher than that. On XX/XX/XXXX I requested a copy of the credit information from XXXX XXXX XXXX which I am currently waiting my copy. In the mean time I want inquiry how XXXX XXXX XXXX can deny my apartment occupancy with a much lower score than XXXX XXXXXXXX XXXX are they one in the same?