23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have been a Best Buy Credit Card Account member since XXXX XXXX 2007.  During that time I was unknowingly and unwillingly signed up for a Debt Protection Program that has charged me XXXX dollars a month that I thought was going to my principal. This morning, I received notice that I had to pay {$420.00} just to get my credit card back to its limit, even though I have n't made a purchase using my credit card in almost two years. I was unaware of this because I have made monthly payments on time through recurring payments, yet my account balance has grown. I got to the bottom of it and realized that all the money that should have been going to the principal was going to this program that has provided me no service. I found out, through calling that service that Citibank works with, that I have paid a total of {$1600.00} in fees to this Debt Protection Company. This is not counting all of the extra interest it as cost me to Citibank and Best Buy. The resulting total is thousands more. I have been a loyal customer to Best Buy for over 10 years and feel like, not only I was taken advantage of, but literally was stolen from. I submitted a claim for a refund but was told that I would need 30 days to hear from them and nothing was guaranteed and at that time my only option if I was n't happy with the out come was to write a letter to the following address : XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX, TX, XXXX. So I realized it was the BBB and I contacted them. They told me to file a complaint, but I could n't because it was " a business with a complaint for collections purposes with another business. '' I then called Best Buy Citibank Headquarters and they told me there was nothing more than I could do.
Product: Checking or savings account

I have a checking account with Capital One 360. When I use " bill pay '' to electronically issue a paper check or electronic transfer, the funds are immediately deducted from my account, unlike when I write a paper check by hand. With paper check that I write by hand, when the check is deposited by the counterparty, the funds are deducted from my account, and I can see an image of the check as well as the counterparty signature -- -- evidence that I have paid, and they have received. In the case of an electronically issued check, Capital One does not notify me when the check is cashed or posted to the counterparty 's account. On the monthly statement, they only record that the funds were withdrawn for my account at the moment when I issued the payment. In this electronic procedure, if the check never reaches the counterparty, and they don't complain, Capital One is the new middleman and keeps the money. If the counterparty cashes the check and complains that they never received it, I have no record of payment. From a financial reporting perspective, this destroys the transparency of the transaction and is an opportunity for fraud. Capital One claims that they void checks after 90 days and credit the money to my account. I have asked them to certify this in writing. For many reasons, a bank should be required to notify its customers when a check is cashed. This protects everyone, including the bank. It should be a regulation if it isn't already.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( XXXX ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt. 
( d ) Consumer defined For the purpose of this section, the term consumer includes the consumers spouse, parent ( if the consumer is a minor ), guardian, executor, or administrator. 

( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. )
Product: Credit reporting, credit repair services, or other personal consumer reports

this credit report agency keeps reporting false accounts on my credit report. the account does not belong to me. i have asked to provide XXXX a copy of the original contract that shows my signature XXXX copy of payment history XXXX name and address of original creditor XXXX proof of collection authorization If they cant provide ALL XXXX of the above they are illegally furnishing false information on my credit report they need to remove it immediately
Product: Mortgage

On XX/XX/2020 Quicken Loans/Rocket Mortgage called me multiple times during my work day to try to refinance my mortgage although I had previously indicated that I was not interested at this time because we wanted to sell our home. The agent on the phone asked if I would like to make an appointment which I agreed to. I could not hear the agent entirely, but apparently he asked if I would allow him to pull an updated credit report. I did not realize that I gave permission for this. I was never asked for my social security number or birthdate, so the agent had to indication that the person whom he was speaking to was the actual owner of the account. Immediately after this phone call, I received notification that my credit had been pulled and I did not understand why my credit was pulled when I never filled out an application to refinance my mortgage. I contacted Quicken via an online agent who said that " someone '' filled out a  credit application online and that if it was not me, I should file a police report, although their own agent admitted to running my credit report. Shortly after, my husband 's credit report was pulled and he never gave his permission for this nor was he even on the initial phone call. When I asked the agent why my credit was pulled, he said it probably wouldn't effect my credit score " too much. '' This was absolutely an egregious abuse of our personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been contacting XXXX, XXXX, and Experian for the last several months about inaccuracies and fraudulent information on my credit report. I have tried sending certified letters to the po box es that are listed on their websites, I have tried disputing online and I have also tried calling them about these issues with little to no results. I have submitted a copy of my fraud report but XXXX in particular are not cooperating and is insisting that they have not received any of my complaints or documentation. 

According to the FCRA and FDCPA several of my rights have been violated. 1. section 623 crushman vs transunion and 806 B of the FDCPA says that items that were already deleted have been re posted to my account without contacting me within 5 days. 2. Section 611 A1 is a violation in which the creditors did not report that this information was under dispute to the creditors reporting the debt. 3. section 604 A3 is a violation due to the inquiries that were placed on my account without my permission or knowledge. 4. Section 603 and section 605 indicate that the information being reported on my report must be 100 % accurate or it must be deleted. some of the accounts have been updated as closed but they have not been deleted which is a violation of my rights. 

The creditors in question 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 auto fiancing, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX The collection accounts that are not accurate are XXXX XXXX XXXX ( XXXX XXXX ), XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX
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, Account # XXXX, has violated my rights. 

XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

XXXX XXXX, Account # XXXX 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 the consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I THINK SOMEONE HAVE MY SSN AND I HAVE 39 HARD INQUIRYS ON MY CREDIT REPORT FROM XXXX, XXXX, TRANSUNION PLEASE HELP
Product: Vehicle loan or lease

I currently lease an XXXX XXXX and went to trade it in early with a XXXX dealer. Infiniti informed me that they changed their 3rd party trade in policy. I never signed a contract stating that I agreed to that as the change happened XX/XX/XXXX my lease began XXXX of XXXX. They are telling me I am only able to trade in my infiniti to a Infiniti or Nissan dealer, the problem is theyre all giving $ XXXX less than XXXX bc they realize I have no other options. This is completely unfair to a consumer to be able to lock us into something we did not agree to and to low ball vehicles bc they hold the upper hand. Infiniti needs to be held liable. I was also informed by several dealers that they are doing this bc of the pandemic and new cars being scarce due to the chip crisis. They want all their vehicles back for personal gain although they lowball you in doing so. This is crooked business.
Product: Credit reporting or other personal consumer reports

Lexus Nexus Risk Solutiions has been providing the report they maintain on me with my personal and private information to third parties without consent. I request a security freeze on all Lexus Nexus reporting and they stated a security freeze is in place however they have provided my reports including XXXX XXXX reporting to third parties without authorization.
Product: Money transfer, virtual currency, or money service

I am trying to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers, but has also allowed repeated offenders to exploit the system leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX  XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account XXXX XXXX, XXXX  XXXX Reference Account # XXXX, XXXXXXXX XXXX XXXX  XXXX and XXXX XXXX XXXX Account 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 states : A consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Dispute Regarding Inaccurate Late Payments XXXX XXXX Dear CFPB, I am writing to dispute inaccuracies in the reporting of the XXXX XXXX XXXX XXXX XXXX XXXX  on my credit report. Upon review, I identified erroneous late payments reported for XX/XX/XXXX ( 30 days late ) on XXXX and XX/XX/XXXX ( 30 days late ) on both XXXX and TransUnion. These reports are incorrect, as my payments for these periods were made on time. 
It is essential under the Fair Credit Reporting Act ( FCRA ) that consumer data be accurate and verifiable. These inaccuracies are unjustified and have negatively impacted my credit report and financial reputation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( TransUnion )XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
TransUnion : Incorrectly reports a 30-day late payment for XX/XX/XXXX. 
Attached, I have provided evidence demonstrating timely payments during the months in question, including bank statements and payment receipts. These documents clearly show that my payments were made as agreed and on time. 
Request for Action : Immediate Correction : Update the account 's payment history to reflect a status of " Paid As Agreed Never Late '' for the disputed months. 
Investigation Procedures : Provide a detailed description of the process followed to verify the late payment claims, as required by FCRA 15 USC 1681i ( a ) ( 7 ).

Proof of Late Payments : Submit documented evidence supporting the reported late payments, including specific dates, amounts, and communication indicating delinquency.

If no verifiable proof can be provided, I expect these inaccurate late payments to be promptly removed from my credit report.

Reference to PAANL ( Paid As Agreed Never Late ) : The terms of my agreement with XXXX have been strictly adhered to, and this account has always been paid on time. Per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my credit report should not reflect information that inaccurately describes my transactions or experiences with this account. 
Supporting Documentation : Highlighted copy of my credit report showing the discrepancies I trust you will handle this dispute with urgency and professionalism. I expect a written response to this dispute within the timeframe outlined by the FCRA ( 30 days from the receipt of this letter ). Failure to provide a timely and accurate resolution will be considered a violation of my consumer rights. 
Thank you for your prompt attention to this matter. If additional information is required, please do not hesitate to contact me. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to address an ongoing issue that has remained unresolved for the past four months and to express my extreme dissatisfaction with the handling of my dispute. 

As I have previously notified you, there is an account inaccurately reporting as a collection on my credit report, listing your agency as the debt buyer. This account, with reference number XXXX, is not only reporting different balances to the credit reporting agencies but is also providing inconsistent dates for the " date last active, '' a clear violation of industry regulations. 

Despite my prior notifications and the submission of a dated and time-stamped dispute letter, your agency has failed to rectify this situation and remove the inaccurate account. This is not only a blatant violation of the Fair Debt Collection Practices Act ( FDCPA ) but also a demonstration of negligence on the part of your agency. 

This letter serves as my final notice before I pursue legal action against your company for defamation of character and FDCPA violations. The inconsistent reporting of balances, conflicting dates, and failure to address my dispute demonstrate a lack of due diligence and adherence to industry standards. 

I have attached a copy of the credit report in question along with the dated and time-stamped dispute letter for your reference. I implore you to take immediate corrective action by removing the inaccurate account and providing me with an updated credit report reflecting these changes. 

Your prompt attention to this matter is essential to avoid further legal proceedings. I expect a resolution within 14 days from the date of this complaint.
Product: Credit reporting or other personal consumer reports

Even after make a complaint I still was not allowed to access my own credit bureau file they say I can not XXXX  verified
Product: Credit reporting or other personal consumer reports

Received a letter from XXXX XXXX stating a request to open a XXXX credit account on XX/XX/23 was denied. I did talk to both XXXX and XXXX informed both that I had not applied to open an account and I wanted the hard inquiries removed from my credit report, but nothing was done about it.
Product: Mortgage

I had contacted Freedom Mortgage several times about incorrect information that is reported to the Credit Reporting Agencies ( CRA ). The credit report agencies has Freedom Mortgage reporting me past due {$2700.00} as of XX/XX/XXXX. My past due balance is XXXX. 

I had called Freedom Mortgage on XXXX and was told that {$1300.00} was setting in a special account and they did not know where to apply the payment. I was also charged and paid a late fee of {$100.00}, which I should not have been charged. 

Freedom Mortgage informed me that my account would be re-age after bringing account current with payment. 

My account is current and not past due. 

More importantly, Freedom Mortgage has reported 60 days late pay on XX/XX/XXXX ; 30 days late on XX/XX/XXXX ; 60 days late XX/XX/XXXX ; 30 days latte, XXXX, XXXX and XX/XX/XXXX ; 30 days late XXXX, XXXX, XXXX, XXXX, XXXX and XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

I was at the ATM machine on XXXX XXXX XXXX in XXXX Texas the machine number is XXXX and the machine took XXXX XXXX dollars from me I was trying to get it back but it wouldn't let me that's my rent money all I got was XXXX I have the receipt in the time it was at XXXX XXXX I didn't see a selection for ATM taking your money
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts such as XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX is showing different ratings on the credit bureaus
Product: Checking or savings account

Capital one has been holding my money hostage since XXXX XXXX XXXX I sold a car over the XXXX  and had {$6000.00} deposited via XXXX. Almost immediately they froze my account for review. I called and explained the situation. I explained said person gave me {$4000.00} in cash and sent the remainder electronically. I even offered to provide the transfer of title and show them the conversations between I and this person. Since then Ive learned that this person is trying to scam me and reported the transaction as not authorized after they sent me the money. Once again, I explained this situation to Capital One and offered to show receipts of messages back and forth between this person. It has been over two months and the only responses I have received from Capital One is generic emails saying my account is under review. I received an email even stating my accounts were closed however they would transfer any remaining balance to linked accounts. That still has not happened. I am still able to login and see the balance in the account but it says it is unavailable for withdraw. How can they just hold on to my livelihood like that for months? I need this resolved immediately and they wont even consider the fact that someone is actually trying to scam me even after providing proof of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that needs to be removed in my file : XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXX  Date Opened XXXX. XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$1700.00} ; XXXX XXXX XXXX XXXX  Date Opened XXXX XXXX, XXXX Balance {$200.00} ; XXXX XXXX XXXX Date Opened XXXX. XXXX, XXXX Balance {$140.00} ; XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX ; XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX.
Product: Mortgage

Original loan ( which banks can not loan ) States they were paid Cash, I did not produce any cash but a check at closing. They say I received money, WHERE? Then in research I have tried to get Wells Fargo and XXXX XXXX XXXX who bought it supposedly in XXXX, has advised they bought the " Promissory Note '' and now its in a trust. I have not found any Leins, I have been forced to file a 1099 A to Wells Fargo and a 1099C to XXXX. Since all Payment Coupons are being Kept, not returned and a notice sent that states they do not accept these payments. No action has been done. When I call any customer service I get transferred all around. I have even attempted to contact these Corporations. Yet again I get barely any info and Nothing specific of what I have requested. Now Wells has been reporting on my credit Until XXXX when I filed a complaint thru XXXX, they have now closed it on XXXX.