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

Unauthorized inquiries listed below please remove immediately from my report Hard Inquiries ( XXXX ) Company NameXXXX  LoansDate InquiredXXXX 2023Company NameXXXX OF XXXX Dealers, NewDate InquiredAug XXXX NameXXXX XXXXDate InquiredAug XXXX NameXXXX XXXX FinancingDate InquiredXXXX XXXXCompany NameXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dealers, 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 NameXXXX  XXXX Dealers, NewDate InquiredJul XXXX NameXXXX XXXX Dealers, NewDate InquiredMar XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2023 XXXX**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

We use Citibank for one of our credit cards. For almost a year, we were getting charged late fees despite paying the statement balance offered on the Make Payment page of the website. This amounted to almost {$1000.00} in late fees. It wasn't until, I believe, the third time my husband called that we figured out that the statement balance on the payment page does not match the statement balance on the printed statement. Any refunds we were getting in the new billing cycle were applying to our statement balance on the payment screen resulting is us paying less than the statement balance. The payment screen even says " This is the remaining amount owed to satisfy your last statement balance. '' which is absolutely false. The last woman we spoke to was going to mention this problem, but three months later and the same thing almost happened to me today, but now I know what I'm looking for.
Product: Credit reporting or other personal consumer reports

Hard Inquiry on report, I dont recognize, and did not Authorize to pull credit ... Through a 3rd party online company, .XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I am an Apple Card customer. The Apple Card is held by Goldman-Sachs . This card is supposed to offer a daily cash feature that will give the customer anywhere from 1 % to 3 % Daily Cash on purchases. This Daily Cash is posted almost immediately after you make the purchase hence the term Daily Cash. I use my Apple Card as my daily use card. I buy everything from gas to groceries to clothes on this card and I spend thousands per month with the Apple Card. I have other cards but the ease of use and seamless connection to my phone makes this card great for daily use. Well, I started noticing that Apple was not applying my Daily Cash to my account back in XXXX  of 2022. I reached out to Apple as soon as I noticed the issue and they assured me that the problem would be resolved and and my Daily Cash rewards would start to post to my Apple Cash card. Here it is 6 months later and no rewards have been posted. I recently talked to Apple and Goldman Sachs support and they can not find the issue. After being on hold several times, I was told to call a company called XXXX XXXX that is supposed to be the handler of the Apple XXXX portion of this card. I explained to the tech that it is not my job to fix your faulty system and I should not have to be put on a wild goose chase to figure out how to get a reward that your company advertises as one of your key features that make your card special. The support tech had nothing to say other than an apology. As of this writing, the problem remains unresolved and I will no longer use the Apple Card as a daily card because it offers no rewards to its customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered this new account on my collections report and this information is incorrect! This college continues to sell this negative account to different debt collectors giving my PII to random companies and I do not owe this debt! this is my second time disputing this same information and I will be seeking legal action for fraudulent charges. I do not owe this college any money I withdrew the correct way I returned all materials and I have never stepped foot into any of their classrooms this is a fraudulent charge and I refuse to pay or have this negative information reported on my credit report. I demand a written contract with information that states I attended and owe this college AND this collection money with verifiable proof ie, dates and contract with my signed signature this is a violation of the FCRA and I demand to have this negative information removed my report. Dated XXXX/XXXX/2019
Product: Credit card

I never received information about Barclays ( XXXX ) decision personally to me. The last I looked was on your site that there would be a 60 day decision time. By chance tonight ( XXXX ), I looked to see if there was anything new or updated and see the case was closed! I see they never commented on 45 day notice to change in account. I believe they are not honest with their customers and certainly not helpful. Thanks to them I had to sell my car and now be without one because Im trying to survive for housing and food. The way they treat seniors is despicable!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXXXXXX XXXX Date Opened XX/XX/2015 Balance {$25000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX Balance : {$11000.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX {$6800.00} XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : {$2300.00} XXXXXXXX XXXX XXXX XXXXXXXX Original creditor : XXXX XXXXXXXX XXXXXXXX Balance : {$3900.00}.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the listing of a vehicle on my credit report that was reported as stolen over a year ago. The vehicle is no longer in my possession, and I am seeking a resolution to ensure my credit report accurately reflects the situation. The vehicle was reported stolen in XXXX, MI in XXXX, and I have not possession of it since XXXX. I kindly request that you investigate this matter and remove any associated negative entries or references to the stolen vehicle from my credit report. To assist with the resolution, I can provide supporting documentation such as a Police Report # related to the stolen vehicle.
Product: Vehicle loan or lease

On XX/XX/XXXX i went online to make a payment. I received my SSD  earlier and wanted to get my car payment made. I moved the date to make it come out on the XXXX. I get notifications from my bank and it showed the XXXX had come out 2 times. I called right then. The man said he would expedite the claim. I should have my refund in 7  to 10 days. By mail. LIE. I told him i needed it back by the first coz that money goes for rent. 
I called again on XX/XX/XXXX XXXX. I was told they had to put a 10 day hold on my payment to make sure it cleared the bank. It came straight out. Said they would get it in the mail. 7 to 10 days. LIE I need this to pay my rent. 
I called XX/XX/XXXX XXXX Where's my money. It was mailed. Should be there soon. LIE Called XX/XX/XXXX XXXX. Rents due. 
It was just mailed XX/XX/XXXX. Give it 7 to 10 days. I dont have that long. I asked them to stop payment and over night. Cant do it. I was really ugly. Im sorry. 
I have also sent 2 emails through the app. One was today XX/XX/XXXX. 
Now i cant pay the full amount for my rent. Im on XXXX. Limited income.
Product: Credit reporting or other personal consumer reports

As a consumer ( defined under 15 USC 1681a ( c ) ), alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as Metro 2 and the FCRA standards of reporting. The following accounts have billing error Under 15 USC 1666B and must be resolved immediately. 

Account Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX - Opened on XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX - Opened on XX/XX/XXXX Account Name : XXXX XXXX  # XXXX - Opened on XX/XX/XXXX Account Name : XXXX/DEPT OF XXXX # XXXX - Opened on XX/XX/XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  has obtain a copy of my consumer report without my consent. Inquiry from XXXXXXXX XXXX XXXX is fraudulent and needed removed. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have informed Transunion that there are fraudulent accounts and addresses appearing on my credit report. The companies involved and Transunion have done nothing to resolve this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I received a copy of my credit report with the intentions of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not 100 % agreeing what they are reporting. I know by law from the Fair Credit Reporting Act where it states I have the right to challenge anything I am not aware is accurate. I have reached out to company below who is reporting inaccurate information. 

I ask the following accounts be removed right away : XXXX XXXX Acct XXXX XXXX XXXX In accordance with the Fair Credit Reporting act 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 states a consumer reporting/agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I have been disputing this fraudulent account for months and still no results. Equifax is willingly and knowingly reporting false and inaccurate information to my credit report. I have requested that Equifax to remove the account from XXXX XXXX XXXX and has refused to do so multiple times. experian removed the account for identity theft and so hasXX/XX/XXXX Equifax is willingly committed fraud and identity theft by willingly reporting this information knowing it is fraudulent. I have sent FTC Reports to support claim but XXXX XXXX XXXX ALSO REFUSES TO REMOVE INACCURATE INFORMATION from my credit profile knowing I do not have a contract with them which is considered identity theft.
Product: Credit reporting or other personal consumer reports

I am writing to address several inaccuracies in my credit report that have recently come to my attention. I received XXXX credit alerts from Experian indicating updates to my credit report from XXXX. However, upon reviewing my report, I found that the information remains incorrect. Specifically, it continues to reflect a late payment reported in XXXX XXXX I want to clarify that I was not with XXXX in XXXX XXXX  as my account was transferred in that month. Therefore, it is impossible for there to have been a late payment during that period, and this information should not be reflected on my credit report. 

Additionally, I noticed another significant error related to my XXXX XXXX credit card account. I made a {$220.00} payment on XX/XX/XXXX, which should have decreased my credit card balance and improved my usage ratio. Instead, the report inaccurately indicates a XXXX % increase in my usage. This discrepancy is concerning and may adversely affect my credit score. 

It is my understanding that under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, consumers have the right to dispute inaccuracies on their credit reports, and credit reporting agencies are required to conduct a reasonable investigation into these disputes. Furthermore, Section 1681s-2 mandates that furnishers of information, like XXXX and XXXX XXXX XXXX must provide accurate information and correct any inaccuracies they discover. 

I request that all negative items on my credit report be reviewed and deleted if found to be incorrect, in compliance with the FCRA. I urge Experian to undertake a thorough investigation into these discrepancies, verify the information with the respective creditors, and ensure that my credit report is updated accordingly. I should not have to regularly check my report for inaccuracies, as it is the responsibility of credit reporting agencies to maintain the integrity and accuracy of the information provided. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of these issues.
Product: Vehicle loan or lease

I am requesting further assistance with Bridgecrest Bank, I believe my case has been mishandled in violation of consumer protection laws. I have previously submitted complaint, but the response from Bridgecrest was untruthful. 

Specifically, I request that Bridgecrest Bank provide recordings of the phone call where they withdrew funds from my account after I had already made a payment. Additionally, I ask for the recording of the call in which they " allege that I requested a refund for a duplicate payment. The recordings are crucial to clarifying the situation. 

Bridgecrest Bank 's actions appear to violate several laws, including the Fair Debt Collection Practices Act and the Truth in Lending Act, by withdrawing funds without authorization and failing to honor my rights as a consumer. Their refusal to rescind my auto loan further exacerbates this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I malied in list of disputes ffrom false and inaacurate information listed on my XXXX  Credit report. I did not recieve a response within 30 days of XXXX  recieving my disputes and still have not recieved any update. In addition the items listed on my XXXX  Credit report are inaccurate and negatively affecting my abilty to obtain credit.
Product: Debt collection

I am writing to bring to your attention a matter of utmost importance concerning my credit report. After thoroughly reviewing my credit history, I have discovered several discrepancies and inaccuracies that suggest a case of identity theft. I request your immediate assistance in rectifying this situation. As a victim of identity theft, I have faced numerous challenges, both financial and emotional, due to unauthorized accounts and transactions that have appeared on my credit report. I promptly reported these fraudulent activities to your bureau and submitted all the necessary documentation and detailed explanations to support my claims and establish my innocence. Below are the details of the discrepancies I have identified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attached a copy of my identity theft report to authenticate my claim. I am requesting that you immediately close the fraudulent accounts listed above. I understand the seriousness of identity theft and its impact on both the victim and the creditor. I expect your full cooperation in resolving this matter promptly and professionally.
Product: Credit card

On XXXX XXXX, XX/XX/2015 I applied for the BBVA Compass Bank XXXX credit card. The following morning, I was contacted to verify my name, address and social security number. On XXXX XXXX I received a letter stating the terms and conditions and balance transfer checks. On XXXX XXXX the card came, which I activated at that time. The next day I attempted to make a purchase which was declined. When I contacted BBVA I was told the account was under review, but not given any time frame or further explanation from the Bank. On XXXX XXXX I was advised by a CSR that my account has been closed because they were unable to verify my identity.
Product: Credit reporting or other personal consumer reports

RE : Social Security Number : XXXX To Whom It May Concern : This is yet another attempt Im taking solely for the purpose to update my personal information. 15 USC 1681 ( a ) ( 4 ) I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX XXXX XXXX. My Address : XXXX XXXX Way Apt XXXX XXXX, TX XXXX. Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 15 USC 1681 a There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. Please send an updated credit report once the changes are complete to my contact information listed. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX Way Apt XXXX XXXX, TX XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( b ) REASONABLE PROCEDURES It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter The current personal information being furnished is inaccurate, not relevant out dated information. 15 U.S. Code 1681e - Compliance procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The Consumer reports must be accurate this is law! Please make all the correct updates as requested and delete all old inaccurate outdated and irrelevant information from my consumer report! Once this is done please send me an updated copy of my consumer reports reflecting only the correct information below. Name : XXXX XXXX XXXX XXXX : XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Student loan

During 2015, while XXXX with an XXXX, I made enough money to either pay the monthly payment on the mountain of student loans ( XXXX companies @ $ XXXX total ), or eat and pay rent. Navient ( or XXXX XXXX ) made several threatening phone calls per day indicating I should pay them instead of eat. They recorded all phone calls, but told me repeatedly that recording them myself was n't allowed. XXXX lady told me I should get another job or XXXX to make up for the $ XXXXmonth shortfall I was experiencing ( was already working XXXX50 hrs/week in addition to seeking gainful employment ). She also told me there was no income based repayment option. I thought those type of threats were illegal but did n't know how to pursue. Now that this lawsuit is being publicized, I feel that there is an avenue to pursue action against these unethical business practices. 
Another side issue that CFPB may or may not be able to help with : I 've been paying $ XXXX in interest payments per year for several years and the IRS allows {$2500.00} to be written off while filing taxes. This also seems unethical as any money that would be available to progress my consumer spending is double dipped by the government. Can you help?
Product: Money transfer, virtual currency, or money service

I want to be reimbursed from XX/XX/year> and XX/XX/year> erroneous transactions. Company has not responded
Product: Checking or savings account

Wells Fargo is at it again with their deceptive and unethical practices around paying interest in savings accounts. At a time when interest rates are at an all time high, I opened and moved about $ XXXX to their bank that is local to me. I did this in person with a 'premier banker ' as I was considered a 'relationship ' client for bringing in that much money. I was promised interest rates of about 5 % and when I did not get that amount, the banker was himself confused and escalated to 'corporate '. We have gone back and forth for months as at the time they owed me about {$1000.00} in back interest. Finally they have paid {$450.00} but still owe me around {$600.00}!!! 

The scam that effected me and probably millions of others around the country is that while they claim that they will start paying interest right away, they actually do not pay interest until 2 weeks after the rate is promised. After this happened to me the first time in XXXX when I opened my account- I was not given the interest that was due to me XX/XX/XXXX - XX/XX/XXXX ( about {$200.00} ), and the relationship banker XXXX XXXX escalated my concerns I specifically asked him to check to see if the new promotional rate would be applied immediately and he assured me it would. I did not receive any interest for the entire month of XXXX and only through complaints with 'corporate ' was I given half the interest I was due mind XXXX. It is now XXXX and after several months of waiting and allowing them to do the right thing, they have sent me the following email confirming they will not pay any interest for two weeks when a promotion is applied. They still owe me for interest XX/XX/XXXX - XX/XX/XXXX ( about {$400.00} ). 

The issue is that the relationship banker who signed me up for and convinced me moving my money from XXXX XXXX XXXX  where I was already receiving a 4.5 % interest rate either lied or was also not aware of this practice. He had me electronically sign some documents, which were 10 or so pages long in legal speak. The fact is, I was deceived by WF and its employees to move my money to the bank with promises of an interest rate that were not true and would make me lose money. The bank is responsible for that and can not just steal people 's money without their knowledge which is what happened to me. I am sure it has happened to millions of other customers as well leading to millions of stolen money from consumers for WF.
Product: Checking or savings account

The American Express Serve and Bluebird services have been down almost 24hrs crippling thousands of people 's access to their funds. This is happening frequently now. The company refuses to provide any updates other than " we're working to fix as soon as possible ''. Again while thousands of people are left with no financial access. How do we hold such a large institution responsible?
Product: Debt collection

DEBT WAS NEVER MY DEBT I NEVER APPLIED FOR THIS ACCOUNT