23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

Hello. I paid off a car loan that I had with Bank of the West. They sent me a " Certificate of Title, '' and told me in a letter with the title, to take it to a titling agency to release the Bank of the West lien. I called a couple of titling agencies who said they do not do that. I then called my LegalShield lawyer service who said I must take it to the DMV to update the title, but that Bank of the West is shirking their responsibility in making the customer take this step. ( I did not have to take this step when I paid off my first car loan. )
Product: Money transfer, virtual currency, or money service

I XXXX someone for XXXX  tickets that were being sold on a supposed verified site. As soon as I sent money user disappeared, immediately called my back on XXXX XXXX stated their is nothing that they can do. Refused to help in anyway. It was a total of 4 tickets for a total amount of XXXX dollars
Product: Debt collection

I noticed that this company has posted this item on my credit report even though I am paying a small amount every month. The company is also holding my XXXX Credit Allocation Check which is at least enough or almost enough to pay this debt in full.
Product: Checking or savings account

I am respectfully submitting a complaint to the CFPB concerning Capital One 's failure to deposit my direct deposits from my employer and other income sources. Capital One has attributed this to technical difficulties, which may be in violation of the Electronic Funds Transfer Act ( EFTA ) due to the delay in access to my funds. I am concerned that this situation may represent a breach of consumer protection laws, and I would greatly appreciate your assistance in investigating this matter to ensure my rights are protected. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed several hard inquiries on my XXXX and Equifax XXXX XXXX that do not belong to me. Ive reached out to the creditors as well as XXXX amd Equifax informing them they were fraudulent and no one helped me. Just gave me the run around. 

Unauthorized Hard Inquiry Listed on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 Factual Data - XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Corporation XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Inquires Listed on Equifax XXXX XXXXXXXX XXXX USA XXXX XXXX XXXX XXXX XXXX XXXXk XXXX XX/XX/2021 XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am in contact with a recruiter from XXXX XXXX regarding CRA position virtual and they told me that they gon na send me a check to deposit to my account then send it back to them to purchase my equipment, they stop responding them now and I tried to recall the amount from wells fargo but both wells fargo and XXXX XXXX wont help here is the account of the fraud individual that I sent two transfer XXXX, XXXX the money originally came from XXXXXXXX XXXX  that has no value Account Name : XXXX XXXX Bank Name : Wells Fargo Account Number : XXXX Routing Number : XXXX Account Type : BUSINESS CHECKING XXXX XXXX : XXXX Address : XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX OR, XXXX, XXXX
Product: Checking or savings account

I had Wells Fargo around XXXX and was being over drafted fees alot
Product: Vehicle loan or lease

I have applied for a {$15000.00} auto loan with schools first credit union. They originally asked for my paycheck stubs and after furnishing them they ask for other paper work like my 1040 schedule c and a schedule one, which is so new the phone agent didn't even know what it was. So, how am I suppose to have this document. They are making it almost impossible for me to get a loan. I believe I'm being racially profile and not getting equal treatment.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " 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. '' XXXX, Experian, XXXX XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the XXXX reporting agencies XXXX, Experian and XXXX XXXX do not have my consent to furnish this information and they absolutely do not have my written consent. Any and all consent to XXXX, Experian, XXXX XXXX and also early warning services ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, Experian XXXX XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit card or prepaid card

Please see attached documents. Discover Breached Contract and a billing error, I filed a " notice claim '' as per " terms and agreement '' with the intent to arbitrate Discover in the near future if things are not handled the appropriate way. I sent out documents via USPS certified tracking there is nine day delay in delivery and Discover still have not received my correspondance from me ( consumer ). I am creating this case through the CFPB channel to expedite the process of Discover receiving correspondance. After the reciept this tranaction through CFPB I am giving 30 days to respond with some sort of solution and remedy. After 30 days if we cant come to some common ground to what I am requesting in my claim notice I will be moving forward with arbitration.
Product: Credit card or prepaid card

In XX/XX/2021 I bought my new house, I went to XXXX XXXXXXXX XXXX store to do some shopping to remodel my house and the register that was in the front offered me {$50.00} free if I paid with the credit card and requested an she offer an increase in my XXXX XXXX XXXX credit card limit, She did not give me any additional information, Only a printed ticket from the register machine and she told me that my credit card would arrive soon with additional information, the credit card did not arrive at my address, nor the additional information, I requested again for the credit card plastic and arrived a week later. 

I never get additional information about the credit conditions, nor additional details. Just a credit card and statement. I called the number behind the card and asked the operator to affiliate my card to automatic payments and sent me a link to do so, so I did it and from there they began to take my payments from my bank account, This is what I do with all my bills to ensure timely payment. 

So far it's been 25 months and when I want to use the credit again to remodel my kitchen, the worst news I received was that the entire payment of {$3100.00} for 25 months went to interest and only {$500.00} to payment of principal. 

I am very dismayed, I have not stopped crying, I feel humiliated and abused to hear from the XXXX Bank agent who answered me yesterday by phone, that there were special conditions and policies that I was totally unaware of and that at the time of offering me the credit card they did not tell me. 

Many registrars of commercial stores, only fall in love by offering discounts and instant benefits and do not explain that the card does not work as a normal and standard credit to pay for 24 or 36 months, no explain rates, interests or payment terms. 

I hereby request the full refund of the interest charged to me, as I consider it a violation of my rights as a consumer. 

Their system Takes {$150.00} approx each month for 25 months is a total of {$3600.00} for interests and that's a lot of money for a low-income family, who were unaware that it didn't work like a standard credit card. And even the debt is intact. 

XXXX XXXX # Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Card XXXX Bank
Product: Credit card or prepaid card

On XX/XX/XXXX my chase freedom credit card was charged {$2000.00} for a transaction I did not autherize. I disputed charge on XX/XX/XXXX. When I contacted chase to dispute they did not reverse card stating chip was used and I had the card after. When I requested any information pertaining to purchase, even a receipt I was given nothing. I asked that it be reviewed and escalated. I was told I would hear something in about 2 weeks and never heard back. I called back at the end of XXXX because I never heard back. I was then told it was escalated but never reviewed. This is MONTHS later. I was again told they were not investigating because it was a chip purchase even though I did not make the purchase and have no idea where the purchase came from. I closed the account at this point because of the horrible horrible customer service. This is unacceptable and they have done absolutely nothing to resolve it.
Product: Credit reporting or other personal consumer reports

I submitted a request to XXXX, Experian, and XXXX for all of my personal information to be corrected and updated. My full name is XXXX XXXX XXXX born XXXX XXXX. This is the only name that I ever went by with the exact date of birth.If there are any other names or date of births listed on my report I ask for it to be removed immediately. My only and current address is XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX. Any other addresses listed on my credit report I do not reside and they arent mine. I ask for all bureaus to please remove every or all addresses that arent mine be removed immediately. Lastly, my social security number should end with XXXX. Any other social numbers listed I ask for it to please be removed immediately. Once all of my information is updated, I request an updated copy from all three bureaus, of my report to be mailed to my current and only address.
Product: Credit reporting or other personal consumer reports

All my credit reports from all XXXX Bureaus, but not limited to XXXX, XXXX, and EXPERIAN, where compromised due to DATA Breach. 

I have so many things on theses reports that are incorrect, and are not mine and or have no Knowledge of.

Due to these data breaches I am requesting all negative information hurting my character and my mental wellbeing, be removed until everything can be VERIFIED with accuracy According to the Laws of the FTC and CFBP, investigated with fairness and without prejudice.
Product: Credit card

Amex 's XXXX XXXX XXXX has had a benefit whereby if you spend {$15000.00} in a calendar year, you get a free night certificate. I started spending on this card this year, however on XX/XX/XXXX they announced not only will this be discontinued in XXXX, only spend up to then counts. So, I would need to spend {$15000.00} before XX/XX/XXXX and not XX/XX/XXXX. This was done in the middle of the earn period, so this is basically false advertising.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America incorrectly reported my account in delinquency due to their own mistakes! The incorrect report ruined my credit score from XXXX to XXXX! Now I can't refi my house with good rate! BOA need fix my credit report ASAP, refund my fee or interest charges! 

I have Credit card form Bank of America. I missed the XXXX payment because I didn't receive the statement. I called and found that I was late for a payment. During the phone call, I tried to make full payment. First I used my debt card, after 10 minutes trying, the customers service told me their system had issue and couldn't take debt card. Then I gave her my checking information as she asked. While she was submitting my payments, the phone disconnected. I thought it's all done after 20 minutes with them. However, two weeks later, I received a notice that I've missed two payments and my credit limit was lowered from {$10000.00} + to basically nothing, {$500.00}. I called again and found out that the previous payment wasn't submitted properly. I made payment again over the phone. The worst thing is that My credit score is totally ruined when I just started to refi my house. 

thanks, XXXX
Product: Credit card or prepaid card

PLEASE KINDLY MAKE THIS COMPLAINT PUBLIC. 

I bought TWO XXXX XXXX at the price of {$990.00} each ; but was charged {$990.00} for FOUR times. I paid for TWO XXXX  already ; but there are remaining balance of TWO more XXXX  in the card. 

I bought TWO XXXX XXXX tickets ; but was charged for THREE tickets. I paid for TWO tickets already ; but theres a remaining balance of ONE ticket in the card. 

Im attaching two screenshots of the bills so Apple Card can see and explain me and the public.
Product: Credit reporting or other personal consumer reports

My credit file isn't being shared at all. Not to me or anyone else. when I tried to look up my credit file it returned as blank. I called Equifax in XXXXXXXX XXXX XXXXXXXX, Equifax requested that I send them a copy of my ID & social security card. I did that, yet the problem wasn't resolved. The second time I contacted them was in XXXXXXXX XXXX XXXXXXXX they requested me to send them a letter with my ID. I did that and again nothing was resolved. The third time I contacted them I was asked to send them another request, a copy of my ID and social again ( which is a FEDERAL LAW ). The agent then told me that I have an XXXX XXXX on my credit file that I may not be aware of. This is creating havoc in my life. I'm unable to handle the necessary business I need to conduct because of this problem. It violates my rights on so many levels. 

Someone from Equifax office told me they have me on some internal block which they're claiming they can use to block my accounts because they feel they're above the law. When questioned why would they do this without contacting me or telling me. They're claiming they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they didn't tell me and why my other letters weren't enough to remove the internal block because some of the agents may not have known I had one on there because it requires you to go to another screen and could have handled my letter as if I was asking to have a freeze or fraud alert removed ( even though I didn't have one that needed removal ) .So Equifax feels they're above the letter of the law & will not explain their policy... Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & XXXX  611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( XXXX ),
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 I received a " XXXX with Zelle payment '' to my XXXX Checking account for {$2000.00}. 
On XX/XX/2019 I received a debit for a " Zelle Dispute '' of {$2000.00}. 

On XX/XX/2019 I realized {$2000.00} was taken out of my account with the debiting transaction labeled " zelle dispute ''. I contacted XXXX customer service and they informed me that their was an open investigation on this transaction for quite some time. The investigation is now closed and was decided in the senders favor. 

I asked why the case was decided in the senders favor and was given the following information : The sender called their bank and told them that this was an unauthorized transaction. An investigation was opened. They looked into the account owners login history to verify that the location they logged in from was irregular. Based on the IP address investigation they decided to rule in the senders favor and issued the {$2000.00} reimbursement. 

I personally know the sending party and know that this was not an unauthorized transaction. Initially they wanted to send me money via a XXXX transfer but I told them I prefer Zelle ( thinking there was no risk of a chargeback ; i was wrong ) .So we met in person on XX/XX/XXXX so that they can pay me the money they owe me via zelle transfer. He called his sister ( the account owner ) and told her to go ahead and send the money after I gave them my zelle details. I heard XXXX XXXX voice ( the account owner ). 

I am 100 % certain that this was an authorized transaction by the sender and they are exploiting the bank/ zelle 's policy here. This was a lackluster investigation which resulted in a XXXX criminal being rewarded and an honest American taxpayer out {$2000.00}. Of course these criminals knew to use a different login location to complete the transaction. They are criminals who live off of stealing from other people! The only investigation performed was to check if the criminal was smart enough to use an IP Address they have never used before to login to their account to complete the transfer! 

It is very obvious someone told them about this scheme where you can send money through your USA bank account and request your money back by calling the bank and saying it was an " unauthorized transaction ''. These people are XXXX and don't have much money. They will screw over anyone as long as they can get some money out of it. 

To make matters worse, XXXX customer representatives claim that they froze my account to complete the investigation. 
I was never told about any type of ongoing investigation or my account being frozen. I do my weekly banking with XXXX and my account was never frozen or suspended when logging in online. This was like an extremely lazy effort from whoever investigated this claim. 

I
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I have a few late payments but i was inside of a deferment program, ill like the late payments removed from all my accounts. i wasnt late
Product: Credit reporting or other personal consumer reports

There is a fraudulent account reported on my credit file. Account Name : XXXX Card Account Number : XXXX Account open date : Someone has opened an fraudulently authorized an account on my name using my Identity for this account for which I am not responsible. Please remove this account from my credit file. I challange the company to provide me the proof for opening of this account by me. I am the authorised user for this account.
Product: Debt collection

I spoke to a representative of the company. He stated that my payment would be processed at XXXX the following morning. He also stated that the payment could be reversed if necessary. After speaking to my financial advisor I learned that this action would adversely affect my credit score. I later called the company back and the representative stated that the payment could be stopped and my credit report unchanged. He late called back and admitted the misrepresentation. He did offer an apology but basically stated he lied about everything else.
Product: Credit reporting or other personal consumer reports

A credit inquiry I did not authorize on my Transunion report. 

XXXX  XXXX XXXX XX/XX/2025
Product: Credit reporting, credit repair services, or other personal consumer reports

Starting XX/XX/XXXX, I began working on the Wells Fargo credit card account and how it is reporting to the 3 credit bureaus. The reporting is incomplete, inconsistent, and not verified. Every month hence, I reached out to the credit bureaus and information always come back verified with no changes to the information and no proof of investigation was provided to me. XX/XX/XXXX I contacted Wells Fargo Executive Office in regards to this matter. Wells Fargo stalled and XX/XX/XXXX, I got a response from XXXX XXXX saying they fixed the account and the way it was reporting inaccurate and incomplete and inconsistent and to allow 30 - 60 days for it to reflect on my credit report. XX/XX/XXXX I pulled my credit report and nothing was fixed for this account. Please see attached to see how each bureau is reporting the account.