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

In according with the Fair Credit Report Add this creditors reporting late payment on my credit report have violated my right under 15 U.S.C.-1681 section 602- say I have the right to privacy 15 U.S.C. -1681-6048-section 2- confirm a consumer reporting agency can NOT furnished on account without my writing instruction. Under 15 U.S.C. 1666 B. creditor my not treat a payment on a credit card account under an open a consumer credit plan as late for any purpose.
Product: Debt collection

I discovered unauthorized accounts on my credit report that are incorrect. Kindly block and remove them immediately.
Product: Payday loan, title loan, or personal loan

i would like to ask my bank wells Fargo to send transactions a little faster to XXXX XXXX because my money will be hold into XXXX see I got pay
Product: Vehicle loan or lease

I purchased my vehicle back in 2021, my loan is for 4 years and only a 1/4 of the loan is paid off. The car has been giving me issue and trouble since i purchased it. I found out that the tires that i had to replace about XXXX time since i purchased the vehicle is due to them selling me the car with tires that are not suppose to be on the vehicle. too big for the car which i feel is a saftey issue. There has also been engine trouble as well. I have so much left to pay on this vehicle and the value of the car is over XXXX less than what i owe. I truly feel that something is wrong with the deal.
Product: Debt collection

I owe a 10-year-old debt for < {$1000.00} to XXXX XXXX XXXX, XXXX XXXX. When Midland Credit first started calling ( about one year ago ) they stated that they were with XXXX XXXX XXXX and that this was a current debt that needed to be paid or I would be sued for {$1600.00}. I was confused because I did have a current card with XXXX XXXX XXXX, but it only had a {$500.00} limit. So, they claimed that it was on my current credit card and that they were filing a lawsuit was very confusing. So, I started asking specific questions, what company are you with? They answered XXXX XXXX XXXX, so I told the representative that was impossible because my current credit limit was only {$500.00}. He said that with late charges and over-the-limit fees it had increased. I told him that I wanted to speak with a supervisor. He put another man on the phone who I asked if he were in-fact a supervisor and if he could confirm everything that the representative was saying was accurate and he did. I told him it couldn't be accurate, and he was just high-pressure, threatening to ruin my credit, that I would never be able to own anything, that they were going to file a lawsuit etc. I asked to speak back to the representative. So, the man claiming to be a " supervisor '' picked up and said " Yes, how can I help you. '' I recognized his voice. I said, " Yes sir, are you a supervisor? '' He answered, " No I am representative, what can I help you with. '' He forgot which line he had picked up, so I said, " So you lied on a recorded line and you're NOT a supervisor at all? ". He responded, " I will not answer this. '' I happened to remember just then about the 10 years ago debt with XXXX XXXX XXXX and let them know that they couldn't sue me because the statute of limitations has passed. So, the representative responded, " We here at Midland Credit report you every 2 weeks to the agencies and we'll ruin your credit. '' Really, because that's illegal as well for a 10-year-old debt. They got frustrated and hung up on me when I pointed out their lies and fraudulent scams. Ever since, they call 6-10x/day even though I've asked repeatedly for them to not call during working hours because my boss has already threatened to write me up if they don't stop. I've asked Midland multiple times to please not call during my working hours of XXXX, but they still harass me daily threatening to ruin my life, credit etc. I don't know how to get them to stop. Especially, all their lies and fraudulent claims and behaviors. What can I do? I have never received written correspondence regarding this debt from Midland Credit.
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. 
XXXXXXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX  XXXX Balance : {$690.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX XXXX : {$350.00} ; XXXX XXXX XXXX Balance XXXX {$2600.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX ) XXXX Balance : {$3500.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$340.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Checking or savings account

I am filing a complaint with CFPB regarding Capital One 360 's failure to deposit my direct deposit into my Capital One 360 checking account from my employer and any incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This " technical issue '' commenced on XX/XX/year>, this situation still has not been resolved as of XXXXXXXX XXXX XXXX on XX/XX/year>. I should have had access to my funds on XX/XX/year>, I still do not have access to these funds. This situation raises concerns about consumer protection laws and I request your assistance investigating this matter to ensure my rights are upheld. I am unable to make timely payments and I am incurring late payment fees for utilities, vehicles, mortgage, and credit cards that I should be able to make payment for by using the funds that should be deposited into my account. These late payments will appear on my credit report and affect my credit score as well.
Product: Credit reporting or other personal consumer reports

Experian has failed tpo fulfill its legal obligation under the FCRA to donduct a reasnable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The CFPB has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accpeting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed accounts, as Experian inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Credit Bureau is not displaying My first name properly which is causing problem in getting my actual credit report. I have uploaded my identity proof documents several times in last one year and sent hard copies of the documents 2 times in Since XXXX. 
They are saying, their database does not support my first name as " XXXX '' that's why they can't fix it. 
Fyi, I am getting my credit report from other 2 credit bureau with the same name without any issue. 
I am suffering for Experian 's reluctance in fixing their issue. 
I need a solution for it as I feel like I was not treated fairly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am Filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " ... promptly delete all information which can not be verified. '' that I have disputed, Please resolve this manner as soon as possible. Thank you
Product: Credit card or prepaid card

I received an email on XX/XX/XXXX saying that my application for my credit card with Bank of America has been approved and theyll be sending me my card in 7 to 10 business days. I never applied for another credit card, especially not with Bank of America. I immediately called Bank of America and they said that someone applied using my social security number. I immediately I had them cancel the account and send me a copy of the cancellation and application in the mail which I have not yet received. They advised me to file a complaint with the credit bureau as my social has clearly been compromised. There were no charges meet on said account as I caught it immediately. I still have no idea who open the account and how. I then got a notification from my banking system, XXXX saying that there was an inquiry on my credit report from Bank of America.
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 me generally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 has violated my rights. 

15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information and other adverse item of information, other than records of convictions of crime which antidates the report by more than 7 years. 

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Against Discover Bank for Fraudulent and Malicious Credit Reporting Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Discover Bank concerning their egregious and malicious credit reporting practices, which have had a severe impact on my financial standing and well-being. 

The details of my complaint are as follows : In the midst of the COVID-19 pandemic, I made a purchase of facial masks on XXXX totaling over {$500.00} using my Discover credit card. Subsequently, I returned the product, but the seller refused to issue a refund. 

Despite my attempts to resolve the matter, the dispute case was not ruled in my favor, and I incurred a charge of {$500.00} on my Discover credit card in XX/XX/XXXX. 

In response to this charge, I refused to pay the {$500.00} and, as a result, Discover Bank added a {$300.00} fee to the balance. Ultimately, Discover closed my account in early XXXX. 

Discover marked my account as charged off, and in XXXX, it reported the charged-off amount as income to the IRS. This has had significant consequences on my financial standing. 

Although my account was closed and charged off, Discover has continued to report it as an active account, and more astonishingly, it has sent me a letter dated XX/XX/XXXX, claiming to respond to my inquiries. The letter falsely states that Discover must continue to report my account to credit bureaus as it is a disputed account. 

This statement is factually incorrect, as the dispute was resolved in XXXX, and the account was closed. Moreover, the balance on the account was reported as income, providing no valid reason for Discover to continue reporting my account as late payment. 

The ongoing reporting by Discover is not only false but also malicious and constitutes fraudulent credit reporting practices. 

I kindly request the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action to rectify the inaccurate and harmful credit reporting by Discover Bank. This misinformation is damaging to my credit score and overall financial well-being. 

Enclosed with this complaint, you will find relevant documentation supporting my claims, including copies of correspondence with Discover Bank and evidence of the erroneous credit reporting. 

I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will conduct a fair and impartial investigation to resolve this issue promptly. 

Sincerely,
Product: Debt collection

The following number keeps calling me XXXX and is threatening me too have me arrested of I don't call him back at XXXX. He didn't leave a name. He is now threatening me and has used my brother 's name. How he figured that out I don't know. We don't have any ties together. I found the company that is associated with the 844 number but they act as if I power some kind of debt to them. I don't even know who they are. He called several times and I emailed and called the company and asked them to please stop calling me and send me a letter of what they think I owe. They haven't responded to the email and hung up on me when I called to ask for a letter. I have the last voice mail saved on my phone from yesterday 's call. I just learned I can turn them into you guys. Please help. Make them stop doing this to people. Thank you so much for your time.
Product: Debt collection

This vehicle was paid off by insurance company after total loss. XXXX XXXX was the name it was under it was a XXXX XXXX
Product: Payday loan, title loan, or personal loan

I started receiving gratuitous contacts ( 4 unsolicited, and 7 additional after asking to cease communication ) within 24 hours from National Small Loan regarding a loan I did not apply for, and funding of said loan. Each contact requests additional information, the team refuses to stop contacting and to delete my information without me providing significant amounts of PII via unsecured email.
Product: Money transfer, virtual currency, or money service

I purchased 2 tickets from the following individual on XXXX : XXXX XXXX XXXX I paid {$160.00} via PayPal on XX/XX/XXXX to XXXX He never delivered tickets to me and has now blocked me on XXXX.

I have the entire conversation saved and attached screenshots.
Product: Debt collection

I tried to get a capital one card after having my walmart card cancelled without knowledge and denied both
Product: Credit reporting or other personal consumer reports

XXXX XXXX violated law 15 U.S.C.1681 ( A ) ( 2 ) ( A ) ( I ) reported a transaction on the date of XXXX XXXX the amount was {$6100.00}. XXXX XXXX XXXX XXXX has violated 15 U.S.C. By reporting closed account approximately date of XX/XX/2019. Amount was XXXX owed. According to " FCRA '' 15 U.S.C. 1681 ( A ) ( 2 ) ( A ) ( I ), except for provided in paragraph 3 the term " consumer '' report or does not include reports containing information solely as to " transaction '' that I am highlighting. Under current law 15 U.S.C. 1681 ( A ) ( 2 ) ( A ) ( I ). In addition, I XXXX XXXX and XXXX XXXX XXXXXXXX XXXX XXXX XXXX are excluded from the consumer report. Delete these transactions from the consumer report or delete the item mark as closed charge off from my consumer report.,
Product: Mortgage

I feel like things went generally well when we first started the application process. The bankers appeared to be knowledgeable, and the online portal worked just about flawlessly. I did have a complaint about the timeliness of the approval, as it took about two weeks just to find out if we passed preliminary credit approval. In the age of computers, thats downright ridiculous. Since we originally began shopping with XXXX, and were forced to resort to another lender, I think it negatively impacted our credit to have our credit hit with multiple hard pulls that were not close together as we originally were only going to go with XXXX, as they are our current lender. This causes us to have an additional hard pull on our score and will generally increase our cost of credit for years to come. 

Things really entered a grey area once our appraisal came back significantly lower than what we anticipated. Our expectations were based on a previous valuation done to remove our PMI, as well as the comments that the original sales banker made putting our homes value around XXXX. We were estimating our home was worth around XXXX, based off of her comments and the fact that the online value showed for something like XXXX as of application. The appraisal came back for XXXX, so it significantly reduced the equity that we had in the home, and made the transaction untenable. The appraisal dispute process was very unclear, we were given almost no instruction, their complaint group was not exactly great about getting back to me about the complaint ( I'm still waiting to hear from them ), and overall I felt like I was being asked to bend over backwards to try and force Wells Fargo to go with a reasonable valuation figure ( by the way, our home recently was appraised for XXXX so the appraiser really did blow it ). A customer should not necessarily have the burden of proof be so ridiculously high as to be prohibitive from being able to continue with the transaction. 

At a minimum, I feel like we are owed back the appraisal down-payment that we had to make to continue with the transaction. While I can understand that the appraisal company is a third-party to XXXX and myself in the transaction, XXXX clearly chose to side with them over their customer because the appraisal company is bonded to insure against loss. In the current consent order environment for XXXX, they are incredibly risk-adverse, almost to the point of failing to see reason. I submitted multiple documentation requests over a period of weeks, eventually it did appear that they were going to increase our amount, but I realized it was only prolonging the amount of time it would take for us to eventually seek out another lender, again extending the length of time between hard credit pulls for a mortgage. 

I feel like we entered into this transaction with the best of intentions, and when it came down to it, the bank chose to side with the appraiser rather than lower the interest rate we would be paying through a refinance transaction. Absent other lenders, this would have continued to assure XXXX a higher interest income, even though it was to our detriment.
Product: Credit card or prepaid card

On XX/XX/2018 I purchased airline tickets through Chase travel for {$1700.00} total. {$240.00} in credit card rewards were used and balance of {$1500.00} put on my Chase credit card. In XXXX my father in law had taken a turn for the worse and we decided we couldnt take our trip. I had submitted a refund through XXXX XXXX after reviewing their policy and steps. I obtained a letter from the XXXX  physician that was needed and submitted all needed information. On XX/XX/2018 I received an email from XXXX XXXX saying they understood and they wished us well and processed the refund. It wasnt until sometime later I realized that the rewards part of the credit card was a third party and that is who I needed to get my credit from. I had noticed in the email from XXXX XXXX the credit card that was credited ended in XXXX, not my credit card. Chase the credit card department had informed me that the third party travel rewards department would not refund me due to their policy of the purchase needed cancelled within 24 hours and  they did not care about my father in law at that time XXXX. I have attached a complaint form I filed with the credit card  company along with all other supporting documentation. The third party travel rewards department for my credit card company has now received money from me ( Chase credit card ) and also from the airlines so they have made money off this issue.
Product: Checking or savings account

Overdraft issue, and un authorized issue causing Overdraft
Product: Debt collection

We received debt collection calls from Bank of America Loan Recovery Group for past 10 months for a debt that is not ours. We have called the BOA Loan Recovery Group as instructed on the collection calls at XXXX & XXXX on six ( 6 ) separate occasions requesting that the calls be stopped. Each time the person taking the call said their records would be corrected. We continued to receive calls from BOA Loan Recovery Group on XXXX/XXXX/2016, XXXX/XXXX/2016 & XXXX/XXXX/2016. The calls are for someone named XXXX XXXX ( sp? ). We do not know XXXX XXXX nor or we related to XXXX XXXX. The phone number, which BOA is calling, has been our cell phone number for 2 years. We need to have these calls stopped.
Product: Debt collection

This debt does not belong to me but was put on my credit. It is also a re-aged debt. Its not mine and on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a vehicle in XX/XX/XXXXit was refinanced in XX/XX/XXXX because my paydays changed so they put it on my credit report. Then itXX/XX/XXXX my car was repossessed for late payments so they added that to my credit report as well. I made all of the late payments  and my car was back in my possession. I paid the entire loan off in XX/XX/XXXX and received the title. A year later asked could they remove those two items of my credit report and they refuse to do so. Saying my car was repossessed but i have have the car and title til this day.
Product: Debt collection

They are reporting a collections account from XXXX XXXX XXXX  in the amount of {$690.00}. This is not my account and is the result of identity theft. This fraud account needs to be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I am writing to formally request a copy of my credit score, which I understand is available to me under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681g. I recently obtained my credit reports from your company, but I was unable to locate my credit score. As you are required by law to provide me with this information upon request, I am requesting that you promptly supply me with my credit score. The score should be calculated with the verified items on my report. Any information improperly verified could be ground for litigation as I have dealt with this issue for more than 2 years with XXXX and Equifax Please provide me with the following information as required by the FCRA : My credit score based on the credit report you have on file.

The date the score was calculated.

The range of possible credit scores under the model used.

If there are any additional procedures or fees for providing this information, please notify me immediately.

Thank you for your attention to this matter. I look forward to your prompt response within the statutory time frame of 15 days as required under the FCRA.

Sincerely,
Product: Credit reporting or other personal consumer reports

When the SEC seeks civil penalties against a defendant for securities fraud, the Seventh Amendment entitles the defendant to a jury trial. 
SEC v. XXXX, XXXX XXXX ___ ( 2024 )
Product: Vehicle loan or lease

FCRA violation. Paid vehicle loan balance in full XX/XX/23. Credit reports should reflect accurate payment along with removal of charge-off status.