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

To whom it may concern I XXXX XXXX XXXX pulled my credit report on XX/XX/XXXX. I noticed inaccurate information was reporting on my personal information section. I then sent dispute letters to all three credit bureaus via certified mail with return receipts on XX/XX/XXXX. I sent in proof of residency of my check stub, my government identification card and my social security card to prove my identity. I then looked at my credit report on XX/XX/XXXX just to see have changes been mad to my correct my personal information. XXXX TransUnion and XXXX failed to make any changes to my consumer reports. I then tried again on XX/XX/XXXX sent another certified letter to get my information correct but all three credit bureaus still failed to correct my information. My name and is reporting wrong and Ill like my information completely immediately. I am afraid I maybe a victim of identity theft because so many different names and addresses on my credit report. I hope this process will be successful and not continue to violate my consumer rights.
Product: Credit card or prepaid card

the capital one on mt credit is fraudulent it was not me I need this looked at as soon as possible
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 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 1666B : A creditor may not treat any payment on a credit card account under an open end consumer credit plan as late for any purpose.
46.8K 511 9872
Product: Checking or savings account

On XX/XX/XXXX I deposited a check for {$97000.00} at my local branch. The funds were held and I was given no indication in writing was to when they funds would be available, how much or when I could have access. I called multiple times and was told when the funds would be available and why they were held. No one would put anything in writing or help me find the funds or when they would be available. I still have not received the funds. I have attached the information sheet that the bank left blank and would not send me info.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect reporting to my credit report. ive been waiting months for a response
Product: Credit reporting or other personal consumer reports

I'ma victim of identity Theft. My information has been exposed in the Equifax data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX, PA XXXX XXXX XXXXXXXX XXXX Balance : {$70.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX Balance : {$3600.00} 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 XXXXXXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

It has already been several days like I was not allowed to add money to my Paypal account from XXXX XXXX  that practices unfair practices. The reason I was given by PayPal is that they have a technical issue. Every time I try, I get advised to try back in 48 hours. I do not get an answer on my question whose fault is that now PayPal or XXXX XXXX. In my previous complaint I had problems with XXXX and XXXX  XXXX  and now it is XXXX XXXX. Is that a conspiracy between banks and PayPal or what? I need to get all my money from XXXX XXXX  at once. PayPal does not allow me to get any amount. Should we all forget about PayPal and close our PayPal accounts? If it is a digital WALLET should money be transferred immediately from any bank that enrolled with Paypal or it depends on their wish?
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid a collections company to settle this account in XXXX. The account should have been closed with a XXXX  balance at that time. 


Somehow Navient reopened the collection process with the same account number that was previously settled. 

I have attached the original letter from the collection agency ; the payment history from Navient showing the amount of the settlement and a XXXX  balance in XXXX. Then in XXXX Navient began the collection process for the same account. You can't collect on a previously settled account.
Product: Credit reporting or other personal consumer reports

I asked that a thorough investigation be conducted on XXXX XXXX XXXX and Equifax regarding my credit profile. It's against the law to report inaccurate and incomplete information on a credit report which makes them in violation of 15 USC 1692g. I've reached out on numerous occasions to all bureaus but I have yet to receive a response, I would like for each account to be properly investigated and validated with original signed documents. 


XXXXXXXX XXXX Account number XXXX Account type Credit Card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$4.00}, XXXX written off. {$3.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$3500.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$10.00}, XXXX written off. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$10000.00} Balance updated XX/XX/XXXX Recent payment {$5.00} as of XX/XX/XXXX Account info Account name XXXX XXXXXXXX XXXX. 
Account number XXXX Account type Unsecured Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$29.00}, XXXX written off. 
Status updated XX/XX/XXXX Balance {$0.00} Balance updated XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a {$2400.00} debt on my credit report in which I have disputed at least 20 or more times over the last 4 years. I have written letter, I have called, I have submitted online request. I have been ignored! This charge is fraudulent. The furniture was returned to this store within 30 days or purchasing it. I should not be charged for the full cost as stated above. This company is double dipping which is fraudulent. They should not be able to charge me, full price for the furniture yet retake possession of it and resell it. I have requested copies of documentation and still ignored. I want this removed from my credit report once and for all!
Product: Bank account or service

I went to withdraw money for my XXXX told father from Capital one bank, located at XXXX and XXXX XXXX XXXX XXXX NY XXXX. I have power of attorney which was filed with this same branch office. I have been going in for a year making monthly withdrawals with no problems. Lat month I went in to make a withdrawal and the teller named XXXX said I was not on the account and said I couldnt withdraw funds. I told her I was POA and that I have been coming in for a year. I said the POA was submitted to this branch and I even told them where it was kept ( it the file cabinets ) After 4o minutes I made thewithdrawal and left. Today, XXXX XXXX, 2016 I went in and XXXX was there again. I gave her the withdrawal slip and she said that I was not on the account. I said I was POA and that we went through this last month. SHe said that I may be POA but that I am not on the account. This is complete nonsense. Even though she physically had the POA in her hand last month, I gave her my drivers license, she then asked for my social security number in front of other customers. Why am I being asked for my social security number, and in a non secure area I must add. I wrote it down and gave it to her. She then performed the transaction. I went to the desk of a blonde woman by the bank officers and told her what happened. She brought up my account on her computer screen and it clearly had my name listed on the account as POA. She admitted there should not have been a problem. XXXX did this to me because of what occurred teh previous month. Her behavior was unprofessional and was an act of spiteful and vindictive harassment.
Product: Mortgage

I spoke to XXXX at Fay Servicing on XX/XX/XXXX. I asked her for information about an escrow refund check that I was sent. On XX/XX/XXXX I received a check from Fay Servicing in the amount of {$10000.00} which I received on XXXX and promptly deposited into my savings account. I received a letter from my bank yesterday letting me know that this check had been " Payment Stopped '' for which I was charged {$12.00}. XXXX could not give me any information about why that check had been stopped ( I can guess it was because the mortgage had been paid off in full on XX/XX/XXXX ). XXXX said she had requested a new Escrow Analysis which should take 7-10 days. While I was on hold for 20 minutes with XXXX, I was able to open an online account with Fay Servicing and get an Escrow Analysis which was dated XX/XX/XXXX. This shows that I have a {$20000.00} balance in my escrow account that is due to me. We have been waiting almost five weeks for this check. To be clear, the account was closed on XX/XX/XXXX and we have not been given any closing information from Fay Servicing. I assumed the check for {$10000.00} was a partial reimbursement for my escrow account which then cost me {$12.00} in fees because Fay Servicing is so delayed in their processes. I am due a check for {$20000.00} according to the statements that I had to find on my own.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX Balance Owed : {$420.00} ; XXXX XXXX Balance Owed : {$3900.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$1800.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$3200.00} ; XXXX XXXXXXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed XXXX {$0.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} .
Product: Credit reporting or other personal consumer reports

In XXXX I requested a lower payment amount in so that I would not become delinquent in my payments. I have had a perfect repayment history for over 10 years.

I verified with the Agent I spoke to that my credit would not be impacted.

They lied.

The company showed dual reporting on my credit report. " Paid as Agreed '' but 30 and 60 days late in the detailed reporting.

The impact to my score has had major negative and domino impacts.

I was unaware of the delinquent reporting when I purchased my car and qualified only for a double digit interest rate.

Other Creditors have lowered my credit limits which lowered my utilization, which lowered my score even more.

Mind you I have never been 30 days late with any of the payments.

I called the company and was told it would take 90 days to correct. They would not give me a letter to dispute on my end. As of today 2 of the 3 bureaus are still showing the delinquent reporting
Product: Checking or savings account

In XXXX I submitted paperwork to the Bank of America ( where my brother has several IRAs ) concerning my appointment to act as conservator for my brother- who is on the XXXX spectrum. Since that time I have received all of his statements and communications from the bank. 

As my brother turns XXXX this month I am attempting to initiate annual Required Minimum Distributions with Bank of America for these IRAs. My brother resides in a town that is 30 minutes drive from where I live and as I work a Monday thru Friday job with variable hours coordinating a visit with him to a branch office is difficult at best. 

On XX/XX/XXXX I visited one branch on my own to initiate the process and as was told that they could not access the conservatorship documents for my brother and that I would have to call a toll free number to facilitate setting up the Required Minimum Distribution. On XX/XX/XXXX I tried visiting another branch and was told the exact same story. 

Later on XX/XX/XXXX, I called the toll free phone number for Bank of America today and called my brother at his home to connect on the phone line to facilitate any issues that could arise - making this a three-party call. The representative asked my brother if he had a cell phone to receive a text which he does not. The representative then asked my brother three security questions ( derived from public information ) that he answered correctly and then abruptly said that she had no more security questions available she could ask and that as such could not verify his identity. According to bank policy, she could not ask any identifying information such as date of birth, Social Security number, etc. She left no recourse except to visit a branch with my brother. It is my belief that since my brother is XXXX and has such a simple life that publicly available information on his life is limited. The representative was able to locate the conservatorship document but told me that the seal was not visible to her. When the conservatorship document was originally provided at a bank branch in XXXX the seal was visible and had been approved. 

It is my belief that Bank of America has withheld reasonable access to a client 's account and funds and by limiting over-the-phone access to these accounts to someone with XXXX - based on Bank of America 's inability to derive security questions from publicly available information- is violating the Americans with Disabilities Act. 
Additionally, the two branches visited should have had access to the conservatorship documents ( which were provided in XXXX ) and by not being able to access these documents undermines and violates the legal authority of the conservatorship. I can only believe that this is a systemic issue with Bank of America. 

I believe that this conduct is egregious and that any penalty, fine or consequence for Bank of America within the scope and power of the Consumer Financial Protection Bureau should be utilized without prejudice.
Product: Checking or savings account

I recently applied online for a joint Savings account with Vio Bank, a subsidiary of MidFirst Bank, and I received an onscreen message saying that my application could not be completed, and to call them. I contacted them in the hopes that they needed additional information which I could provide, but they instead told me that my application was denied. I asked why it was denied, and they pointedly told me they would not disclose the reasoning, but that I was welcome to apply again. They further indicated that information they received from a reporting service is what their decision is based on. But, they would NOT tell me what information they received and what agency provided said information. Further, they stated that I would not receive any adverse action notice or any clarifying information from them, as I requested. I even spoke with a Bank Manager who adamantly stuck to the same line of explanation. 

I am uncertain as to the seemingly negative information that this bank has about me, and they are not giving me a chance to take steps to fix it, especially since I am unaware of its overall implications. I have successfully opened bank accounts in the past without any problems. I need to be able to know what adverse/negative information they accessed, where it came from, and how I can correct such. Vio Bank is unresponsive to my request for any information pertaining to my application and their subsequent decision to deny the application.
Product: Debt collection

I was told that I have this XXXX XXXX debt that I did not obtain. I filed a fraud claim with XXXX XXXX back in 2014 and was told that they do not have any substantial information to say it was mine. I do n't understand why I am still getting harassed to pay a debt that I have already filed a fraud claim for and was told they did not have a signature or anything on file. So I need for the XXXX major credit bureaus to permanently take this off my account and I need these debt collectors to understand that this was fraud and my personal information was used. They are selling each other debts that is useless and fraudulent.
Product: Payday loan, title loan, personal loan, or advance loan

I am writing to file a formal complaint against InstaLoan, located on XXXX XXXX in XXXX, Florida, for deceptive and predatory lending practices that I experienced firsthand between XXXX and XX/XX/year>. I believe their practices may violate consumer protection principles, particularly in how they structure high-cost loans that exploit borrowers through unnecessary fees and misleading tactics designed to keep customers indebted. 

In XX/XX/year>, I took out a title loan with InstaLoan, and though I worked diligently to pay off the loan in full by XX/XX/XXXX, I encountered numerous issues along the way. One of the most concerning practices was their use of funds available calls following each payment. Each month, InstaLoan contacted me to encourage re-borrowing of paid-down amounts, creating pressure to renew the loan before making significant progress on the principal. This high-pressure tactic traps borrowers in a cycle of debt, making repayment more difficult. 

In addition, InstaLoan aggressively pushed their own insurance policy, despite my opting for my own coverage. Staff became visibly annoyed when I declined their costly insurance, which added over {$200.00} per month without benefiting me as the borrower. Reports from consumer advocates, including investigations from XXXX, indicate that companies like InstaLoan use these insurance fees to inflate effective interest rates beyond Floridas legal cap. This practice appears deceptive, especially as these fees benefit only the lender and create a hidden channel for excessive charges. 

When I finally paid off the loan in XXXX, InstaLoan failed to follow through on several critical commitments. Although they promised to contact my insurance company to release the lien on my title the same day, they did not, forcing me to resolve it myself after several days. Additionally, I had requested a paper copy of my title, which was supposed to be available promptly ; however, they did not notify me when it arrived. Had I not called to check on it, the title would have remained indefinitely at their office. 

This experience has been deeply concerning and aligns with what consumer advocacy groups label as legalized loan sharking. Many title loan companies in Florida rely on borrowers ' inability to escape debt by adding hidden fees and offering unnecessary insurance policies. My situation underscores these concerns, and I believe InstaLoans practices deserve regulatory attention to prevent other vulnerable borrowers from being similarly exploited. 

I respectfully request that the CFPB investigate InstaLoan for these practices. I believe their business model intentionally traps borrowers through excessive fees and aggressive re-borrowing offers, violating the spirit of consumer protection laws and exploiting individuals who may lack the resources to challenge these practices. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE WERE ACCOUNTS THAT WERE NOT MINE. THERE ARE MULTIPLE ACCOUNTS THAT ARE REPORTING LATE PAYMENT HISTORY WHICH ARE IN ERROR. I HAVE NEVER BEEN LATE ON ANY OF THESE ACCOUNTS, SO PLEASE AMEND TO SHOW NEVER LATE. 
I HAVE SENT DISPUTE LETTERS ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX BUT TO DATE I HAVE NOT RECEIVED ANY RESPONSE FROM YOUR COMPANY. YOUR FIRM COMMITTED SIX 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA STATUTES.
Product: Credit card

Request for Reversal of Unfair Dispute Decision Dispute ID : XXXX I am reaching out regarding a American Express credit card dispute that was unfairly ruled in the customers favor despite clear evidence of order fulfillment. Below are the details of the transaction : Cardholder Name : XXXX XXXX Dispute ID : XXXX Payment ID : XXXX Credit Card : American Express XXXX XXXX XXXX Transaction Amount : {$220.00} The order was placed on XX/XX/XXXX and shipped out on XX/XX/XXXX. The delay was due to the XXXX XXXX XXXX holiday, during which operations were halted. As per XXXX tracking number XXXX, the package was delivered to a XXXX XXXX for pickup on XX/XX/XXXX, per the customers request. 

We promptly notified the customer of the delivery, and he acknowledged it, agreeing to withdraw the dispute. However, before he could do so, the dispute was ruled in his favor. He later picked up the package on XX/XX/XXXX but has since failed to respond to our requests to withdraw the dispute or repayment. 

This decision by American Express has resulted in an unjust financial loss, including : The loss of both merchandise and payment despite order fulfillment. 
An additional {$15.00} dispute fee charged by our payment 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. 

Account name 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a 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 reporting, credit repair services, or other personal consumer reports

Around XX/XX/XXXX, my credit score dropped 65 points. I reviewed my credit reports from all three bureaus and could not find anything. Then I contacted Equifax twice on XX/XX/XXXX and XX/XX/XXXX to find out the reason ( and to submit a dispute ) but they could not tell me which event caused this dramatic decline in my score. I am in good standing on ALL of my accounts. I did pay off an auto loan in XX/XX/XXXX and this account was automatically closed by the credit union. I think it is unfair that I am penalized for the closing of an account that I no longer need and that I paid off. I understand the score is based on some algorithm, but I this steep decline could cause me to loose money if I were to apply for a loan. Thank you for your help.