23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Capital One 360 Bank has enabled a thief to drain my account. There were XXXX unauthorized transactions. My debit card was stolen and my account was drained of all the funds. The amounts were : {$1300.00}, XXXX XXXX XXXX XX/XX/XXXX ) {$970.00}, XXXX XXXX XXXX XX/XX/XXXX ) {$29.00}XXXX XXXX ( Sat XX/XX/XXXX ) {$110.00}, XXXX  ( Sat XX/XX/XXXX ) I reported it asap. They refunded {$970.00}, {$29.00}, and {$110.00}. However they did not refund the {$1300.00}. I filed a police report and sent personal statements and all supporting documents. This is the worst experience I had to deal with any company or financial institutions. Capital one has enabled a thief to steal {$1300.00} and will not refund my money. I will follow up with a lawsuit if my funds are not returned.
Product: Debt collection

I am dismayed by the ongoing inaccuracies in my credit profile despite multiple requests for correction. Your failure to address these issues promptly not only violates the Fair Credit Reporting Act but also reflects poorly on your professionalism. I am writing to express my extreme dissatisfaction regarding the ongoing inaccuracies in my personal credit profile, specifically pertaining to the accounts referenced below : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to assert my rights under several provisions of U.S. law regarding the handling of my personal information. According to Section 602 ( a ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), consumer reporting agencies are required to manage their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. As a consumer, I am entitled to ensure that my private information is not disclosed without my explicit consent.

Furthermore, Section 6801 of the Fair Credit Reporting Act ( 15 U.S.C. 6801 ) mandates that financial institutions must protect the privacy and confidentiality of their customers ' nonpublic personal information. XXXX XXXX XXXX, as a financial institution, is bound by this obligation. 

Under Section 604 ( a ) ( 2 ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681b ), consumer reporting agencies may only furnish a consumer report in accordance with the written instructions of the consumer. Neither XXXX XXXX XXXX, XXXX, nor Experian has my written consent to disclose my information. Thus, I revoke any and all forms of consent previously given, whether verbal, non-verbal, written, implied, or otherwise. 

Additionally, Section 6802 ( b ) ( c ) of the Fair Credit Reporting Act ( 15 U.S.C. 6802 ) prohibits a financial institution from disclosing nonpublic personal information to nonaffiliated third parties unless the consumer has been informed of their right to opt out. XXXX XXXX XXXX  has not provided me with this necessary information. 

Moreover, Section 1681c ( a ) ( 5 ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681c ) prohibits the inclusion of adverse items of information that predate the report by more than seven years. The adverse account in question is being reported in violation of this provision.

Section 1681s-2 ( a ) ( 1 ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) requires that a person furnishing information to a consumer reporting agency must ensure its accuracy. Section 1681e mandates that consumer reporting agencies maintain procedures to avoid violations and restrict the furnishing of reports to permissible purposes. XXXX and Experian are not adhering to these requirements. 

Furthermore, 12 CFR 1016.7 allows consumers to exercise the right to opt out at any time. I am formally opting out of your reporting services. 

Please take immediate and indefinite action to address these concerns and ensure compliance with all applicable regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've filed multiple complaints for fixing incorrect information on my credit report and to date, nothing has been done. Equifax and XXXX XXXX were notified of my dispute against a company attempting to collect a.debt that was XXXX in my bankruptcy of XXXX. The information remains. No explanation has been given but account was notated that a company responded. I've not seen any response. I also requested both agencies update my report to reflect 2 accounts that were settled inXX/XX/XXXX To date, nothing has been done. The investigation were first reported to be underway in XX/XX/XXXX. This is 3 months later! When will this organization step in? Who is my point of contact? What other options do I have?
Product: Credit reporting, credit repair services, or other personal consumer reports

Improper uses of my credit files Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In XXXX of 2020 I reported to all three credit bureaus and many creditors ( I.C. Systems being one of them ) that several accounts were fraudulently created in my name while I was away. I provided information of who I knew to be responsible along with a police report, FTC report and an intake and release report from the institution I was held in. I.C. Systems received all of this information. An investigation was done and the item was removed from my credit report by XXXX of 2020. On XX/XX/2020, I.C. Systems knowingly re-reported the fraudulent debt to my credit report. When I called for answers, the same day, they expressed that they did not have any of my identifying information such as my date of birth, last four or full social, or a correct address on file. They refused to speak to me any further unless I verified the debt. That same afternoon, I disputed the account with XXXX. I tried to dispute through the IC System website, but it asks me to input personal information they've already admitted to not having. So today, XX/XX/2020 I typed up a credit dispute letter to submit to them directly.
Product: Checking or savings account

On XX/XX/2022 I received multiple emails from Wells Fargo notifying me of a new customer checking account that has been opened. I called Wells Fargo on XX/XX/2022 to inform them I had not opened an account. I was informed that a checking account was successfully opened under my name which can only be done with my social security number which would make this a case of identity theft. I was advised a case was opened with Wells Fargo regarding the fraud, case number XXXX, and I needed to report the theft to the credit bureaus, banking institutions, police department, FTC.
Product: Vehicle loan or lease

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Westlake Financial regarding their failure to delete delinquency from my credit report, as well as their involvement in dealer fraud that has had a negative impact on my credit and financial situation. 

In XX/XX/2022, I reached an agreement with Westlake Financial to pay off an account in return for the deletion of a delinquency from my credit report. This delinquency was preventing me from obtaining a student loan, and I agreed to pay the account in full based on their assurance that the delinquency would be removed from my credit report. 

However, despite fulfilling my end of the agreement and paying off the account as agreed, Westlake Financial has failed to delete the delinquency from my credit report. This has caused significant harm to my credit profile and has continued to impact my ability to obtain a student loan, which has had a detrimental effect on my educational pursuits. 

Furthermore, I recently discovered that the vehicle associated with the delinquency was sold to me with dealer fraud involved. At the time of purchase, the dealer misrepresented the mileage of the vehicle, reducing it from XXXX miles to XXXX miles, and failed to disclose that the title was a rebuild title. Westlake Financial was aware of this fraud, but failed to disclose this critical information to me, resulting in financial loss and potential legal implications. 

I have attempted to resolve this issue with Westlake Financial directly, but they have been unresponsive and have failed to take appropriate action to rectify the situation. Therefore, I am requesting the assistance of the Consumer Financial Protection Bureau to investigate this matter and take appropriate action to hold Westlake Financial accountable for their failure to delete the delinquency as promised, as well as their involvement in dealer fraud. 

I have enclosed relevant documentation, including evidence of the agreement to delete the delinquency and information regarding the dealer fraud, for your review. I appreciate your attention to this matter and look forward to your prompt action in resolving this issue and ensuring that Westlake Financial complies with relevant laws and regulations. 

Thank you for your assistance
Product: Credit card or prepaid card

On the month of XXXX XXXX, we made many transaction, purchase and return, so when the statement came, we called the Citibank Visa asked the agent over the phone, what the the balance to pay off the account, they told us {$2700.00}, so we did the same amount. 
then XXXX XXXX bill came, my account showed the interest charge, so We called the Citibank visa, asked the same question to pay off the balance, they told us {$2200.00} so We paid that amount. 
XXXX XXXX statement came, there is again interest charge showed, we only made {$570.00} purchase but the balance showed all almost {$1500.00} So we called many times agent and supervisor keeping saying that they will call back, but no one called, so we file the complain online, finally one person named XXXX from XXXX office called she said she will call back, but by now still no answer
Product: Credit reporting

I am disturbed that you continue to list the voluntary dismissed bankruptcy as confirmed within my credit file. Although it is your policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the FCRA ( Fair Credit Reporting Act ) mentions nothing in Section XXXX relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''. In the case of the voluntary dismissed bankruptcy in my file, it was never adjudicated or relieved and therefore must be removed.
Product: Money transfer, virtual currency, or money service

I'm filing this complaint against Cash App also known as Block , Inc due to inadequate customer service and unfair practices in violation of the Consumer Financial Protection Act ( CFPA ). Cash App failed to take effective and/or timely measures to prevent and address fraudulent activity on their platform which left my account unprotected and vulnerable. After bringing attention to the fraudulent activity on my account I embarked upon a dispute resolution process that was deceptive, unfair, and failed to comply with error resolution requirements as outlined under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. The actions have caused financial loss as well as a significant amount of wasted time and inconvenience. I'm seeking appropriate redress as it pertains to these violations.
Product: Credit reporting

My complaint is with Transunion. 
They have been informed several times that the negative items on my report from : XXXX And XXXX / XXXX XXXX / $ XXXX XXXX / XXXX XXXX / $ XXXX debts they bought from : XXXX XXXX that XXXX XXXX bought from : XXXX, Way back in XXXX & XXXX. 
I WON the Litigation AGAINST XXXX in XXXX XXXX, California with many others!! 
There for there insisting in buying and selling these debts and destroying my credit, any year they choose " to continue doing, '' '' since '', is unethical, dishonest, slanderess, and actions of CROOKS!!! 
Why Transunion keeps allowing this/ " even when " this is NOT the FIRST TIME they ARE TOLD is beyond any thing honest!, or, Responsible for the PHONY INTEGRITY they pretend to up-hold. If they DID their JOB, this would n't be happening. 
The same thing goes for the public record : XXXX XXXX / XXXX XXXX 's from XXXX XXXX Aquisitions as well!!!
Product: Debt collection

I have been receiving bills from the XXXX XXXX XXXX  since XX/XX/2018 or their creditor Bay Area Credit Service for {$690.00} which I had XXXX XXXX and XXXX  XXXX XXXX which means they legally can not collect after being paid by XXXX. They are still trying to collect from me after this happened and they are harming my credit score by trying to collect which I do not have money to pay the bill. I have tried contacting Bay Area Credit Service because the XXXX XXXX will no longer handle the bill and they just ask for my insurance information and I have given it to them many times and they never have gotten it taken care of.
Product: Debt collection

Steady calling me, multiple times a day, for the last few weeks. Phone automatically filters it as spam/scam. Researched numbers ( they call from several numbers, call from new number after I block old number ). Called asking who they contracted with, asked them not to call me. They kept grilling me for personal information which I refused to give. Never received these calls now I receive them all the time. 

Company goes by the name XXXX. They need to stop calling my number and harassing me. I dont owe anything to anybody.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website.  Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake.
Product: Checking or savings account

I tried opening an account with Chase bank today. The gentleman informed me that they would n't be able to but refused to give me a reason why or a number to contact to find out why it was denied. He said they were not obligated to share the information.
Product: Credit reporting or other personal consumer reports

15 USC 1681a Definitions ; RULES OF CONSTRUCTION ( XXXX ) Exclusions. -Except as provided in paragraph ( XXXX ), the term " consumer report '' does not include ( A ) subject to section 1681s- 3 of this title, Any report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Transactions should not be included on my consumer report if they are not accurate, verifiable, or complete. 

15 USC 1681 ( A ) ( i ) -exclusions- except as provided in paragraph ( XXXX ) the term consumer report does not included ( A ) subject to section 1681s-3 of this title, any report containing information solely as to transactions or experiences between the consumer and the person making the report, The late payment on my ( Dept of education/NetNet ) account should not be included in my consumer report because according to the consumer law they are transactions and transactions are excluded from a consumers file. Please update this late payment to PAANL ( PAID AS AGREED NEVER LATE ) and update my payment history " ok ''.
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 has violated my rights '' " Account name : XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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. 

I did not give the credit bureau any written permission
Product: Vehicle loan or lease

I just better the fact that my XXXX car payment with Nicholas Financial was 30 days late due to being XXXX  since XX/XX/2020. The update to my dispute was to put in that XXXX was 30 days late as well. It was not late! I paid it on time! Why is it that I filed a dispute and then things got even worse? This is ridiculous I have not worked for almost a year now and Im struggling and this is due to Covid not my fault! My payments are current only one was late and Im disputing it due to Covid. Please fix this!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed since XX/XX/2021. It hasnt been resolved and want it resolved instantly.
Product: Payday loan, title loan, or personal loan

XX/XX/2022 XX/XX/2022 To remove from my credit report effective immediately. 15 U.S.C section 1681 602 States I have a right to privacy 15 U.S.C Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Without the prior consent of the of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I bought a truck financed it through westlake financial there were suppose to report it to my credit every 30 days and never did.I have paid off and still isn't on my credit.I was first asked to send in copy of marriage license ehich i did and then i was asked to send in copy of my drivers license and i did.Now they just offer to send me a letter saying my account is paid un full.Which still isn't going to help my credit score! Last time i spoke with them i was told i have to contact the credit bureau and have it put on there but how thats there responsibility!! Please help get this on my credit
Product: Mortgage

I have had multiple issues with Wells Fargo 's fraudulent charges and debits to my account. WF is set up to direct debit my mortgage payment. They did not do this in XXXX and have since been charging late fees to my account fraudulently. They have repeatedly required me to pay those fees to them with the promise that they will reverse them later. I should not be required to continue paying them money that is not owed to them in advance for something they will pay back later. They state this reimbursement to be a " courtesy '' to me, when it is in fact fraudulent. These charges and games are relentless with this bank. Thank you for your assistance
Product: Credit reporting or other personal consumer reports

I have received denial letters for credit card applications I didnt not submit XXXX XXXX XXXX XX/XX/year> XXXXXXXX XXXX XXXX XX/XX/year>
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the current 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.
Product: Credit reporting or other personal consumer reports

Hello the hard credit inquiries below are unauthorized and I would like for them to be removed immediately please and thank you XXXX XX/XX/XXXX XXXX XXXX BANK XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX BANK XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX/XXXX/XXXX XXXX XXXX BANK XXXX XX/XX/XXXX XXXX XXXX BANK XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Student loans were taken out in XX/XX/XXXX,XX/XX/XXXX, & XX/XX/XXXX. All of the loans went delinquent inXX/XX/XXXX when I filed bankruptcy, which means they are way to old to still be reporting to the three credit reporting agencies. Over the course of the years the loans have been consolidated or transferred into new loans and they continue to report. I believe that XXXX is purposely manipulating the date of first missed payment to a later date so the loans fall within the 7 year limit therefore allowing them to continue to report. All of these student loans should be deleted from all three major credit bureaus given the fact they went delinquent inXX/XX/XXXX. I am including the payment history provided by XXXX   that directly contradicts what they are reporting and proves my claim. I have made multiple efforts to dispute with all three major credit bureaus and have not been successful.XX/XX/XXXX reports back information as accurate. I have not received any correspondence back from XXXX with an explanation as to why the deliquient dates they provided to credit reporting agencies are incorrect and why they will NOT delete all the loan information from the Bureaus. Highlighted in yellow on the attached document shows the exact dates of the first delinquencies. As you can also see no NEW loans have been taken out since XX/XX/XXXX and all the loan info since is some spinoff of the original loan. My complaint is to XXXX for failing to report accurate information that would lead to the deletion of these loans, To Equifax, XXXX, and XXXX, for not removing the old loan information when I provided proof to them that the information being provided to them is not accurate Attachments XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries were unauthorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

Out of nowhere, I noticed a collection account being reported on my XXXX credit report. It is with Enhanced Recovery Co L, and says the original creditor is XXXX XXXX. 

I feel that this is fraudulent because first, there is no account number listed, only a series of xxxxxxx. 

I have never had a XXXX XXXX account, until about a month ago when I got an account with XXXX/XXXX XXXX and they never said I owed them any money and had no problem issuing me an account with no deposit. 

I believe fraud has been committed.