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

Ever since I was forced to file Bankruptcy in XXXX 2008 I have made all payments on time as agreed and paid off all Credit Card Debt Monthly Balances in Full. All other installment loans such as Mortgage, Auto and other installment loans have all been paid on time as agreed or paid off sooner. I have only applied for and obtained credit as needed. After following all of the purposed recommendations my credit score still remains well below XXXX. My score seems to bounce back and forth in the low to hi XXXX 's. I would not have had to Bankrupt in the first place had our Government been in control of our Mortgage & Banking Lending Practices. The Housing Market would not have come to a complete CRASH had our Government put into place Strict Regulations to prevent Appraisers from preparing false Housing values, Our Government continues to fail to Regulate the Banking Industries Lending Practices and it appears that we are heading right back into another Recession. As for my own personal Credit score. It appears that all three of the Credit Reporting Agencies are creating a false and very Low Unrealistic Credit Score. This has become very obvious based on my credit history since Bankruptcy. I believe they are doing this so that Lenders will not offer me the best credit available and instead these Bureaus are creating the scenario that forces me to pay higher interest rates and fees. Most importantly XXXX Credit Report is what XXXX XXXX XXXX is basing my Credit Score from. So I ask you again how can I improve my credit score to over XXXX? It is obvious that I pay all of my payments on time, keep all credit cards balance paid off every month and have done everything suggested by Credit Score as well as XXXX. I am frustrated by the constant interference by the Credit Reporting Agencies and their low intentional Credit Scoring that is designed to force me the Consumer from obtaining the best credit available. A copy of this email has also been sent to the US Treasury and the Consumer Financial Protection Bureau for their review as well. Very Respectfully, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Veteran
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified Transunion a few months back regarding incorrect information appearing on my consumer report and called to have it removed. While speaking with the reps, I was transferred and spoke with another representative who informed me of a " merged file ''. Due to this egregious error on their part I am demanding removal of all negative information currently being reported under the guise of belonging to me. Transunion has not accurately validated any of the negative information being reported under under my file number and has not shown lawfully that any of this information in fact, belongs to me. I am demanding Transunion to block and remove this negative information pursuant to 15 USC 1681 c-2. I have submitted the required FTC reports, the report # is XXXX. 
The Fair Credit Reporting Act ( FCRA ) 15 USC 1681 seeks to ensure the " accuracy and fairness of credit reporting ''. In recognition of the importance of such accuracy and fairness to the interests of individual consumers and to efficient functioning of the banking system, Congress imposed obligations both on consumer reporting agencies ( CRAs ) such as credit bureaus that compile consumer reports, and on creditors and others who provide information to those agencies. Pursuant to 15 USC 1681-b ( requiring CRAs to " adopt reasonable procedures '' for credit reporting, in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information. '' Also, pursuant to 15 USC 1681s-2, " requiring furnishers of information to provide accurate information and to investigate and report the results of all disputes regarding such accuracy ''. As a consumer, I am asserting my rights and am fully aware that Congress has entrusted the Federal Trade Commission ( FTC ) with primary responsibility for governmental enforcement of the FCRA as it applies to CRAs and those who furnish information to them. Pursuant to 15 USC 1681s - the Act states that ANY violation of the FCRA " shall constitute an unfair or deceptive act or practice in commerce in violation of section 5a of the FTC Act : 15 USC 45 ( a ) and shall be subject to enforcement by the federal Trade Commission under section 5 ( b ) thereof ''. I am also aware of my rights set out by Congress as a consumer to seek damages for said violations of the FCRA by " any person '' pursuant to 15 USC 1681n, 15 USC 1681o.
Product: Credit card or prepaid card

American Express, XXXX XXXX card, received temporary card digitally with a XXXX credit limit on last Tuesday. I tried to use it at a XXXX XXXX on the following Saturday and it was declined, I called and the lady I spoke with said the temporary card doesn't cover every purchase. I said ( paraphrasing ), " I'm not aloud to use what this card is designed for? It's sole purpose is for hotel points and I can't use it at your hotel? '' It seems predatory to just get you in the door but deny you points. That stay was a little under XXXX USD, and the promo is spend {$1000.00} in the first XXXX  months and you get a reward. I then tried to buy parts for my vehicle a little over XXXX USD and it was declined as well, I didn't call them this time because it's obvious who they are. I wrote a review through their customer satisfaction survey and wrote something similar to what was said here. If the temporary card can't be used, why lie? The credit reports is something they're leveraging so we won't cancel. Thanks for reading.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Credit Inquiries To Whom It May Concern at the Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint against Equifax regarding unauthorized credit inquiries that have appeared on my credit report. After reviewing my recent report, I identified several inquiries that I did not authorize and have no knowledge of. Despite contacting Equifax to resolve this matter, these inquiries remain on my report, causing significant frustration. The unauthorized inquiries in question are as follows : Disputed Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Attached to this complaint is an Identity Theft Report filed with the Federal Trade Commission ( FTC ). This report, along with the corresponding case number, supports my claim regarding the unauthorized credit inquiries on my credit report. I kindly request that the necessary steps be taken to address this issue in accordance with the Fair Credit Reporting Act ( FCRA ). 
I appreciate your prompt attention and review of this document as part of the investigation. I believe Equifax has violated the Fair Credit Reporting Act ( FCRA ) by failing to properly investigate and remove these inquiries from my credit report, even after I brought the issue to their attention. 
The sections of the FCRA that support my claim are : Section 611 ( 15 U.S.C. 1681i ), which outlines my right to dispute inaccurate or incomplete information. I have disputed these inquiries, but Equifax has not conducted a satisfactory investigation. Section 609 ( 15 U.S.C. 1681g ), which grants me the right to access my file. Upon reviewing this information, I confirmed that I never authorized these inquiries. 
Section 604 ( 15 U.S.C. 1681b ), which details the permissible purposes for credit report inquiries. I did not give consent for these inquiries, and Equifax has not provided evidence of a valid reason for them. Despite my efforts to resolve this directly with Equifax, these unauthorized inquiries continue to negatively impact my credit report. I request that the CFPB intervene to ensure Equifax fulfills its legal obligations under the FCRA by removing the unauthorized inquiries and providing me with an updated credit report. I appreciate your prompt attention to this matter, and I am happy to provide any additional information needed for your investigation. 
Thank you for your prompt attention to this matter. I trust that you will act quickly to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ). 
Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

Genesis FS Card I finally applied for this card with a {$700.00} limit over 2 months ago. I faxed them my photo ID and Social Security card over a month ago as requested. I called them for updates several times. Today, XXXX I spoke with a rep after I informed her that the same sort of offer came in my mail today and what was really going on with my personal information ans are they trying to scam and steal identities? I'm a XXXX XXXX veteran and will bring this up to my VA representative.
Product: Mortgage

Bank of America took it upon themselves to apply money from my checking account that was not there without authorization to apply it to old late charges causing an insufficient fund charge to be applied to the account creating a negative balance.
Product: Credit card or prepaid card

On XX/XX/XXXX, I made a deposit with Lowes for installation of quartz countertops. This initial deposit of {$100000.00} was made using my Lowes Business Advantage Card, which is managed by Synchrony Bank. The terms of this deposit were for equal payments over 36 months with no interest. The resulting minimum monthly payment on this credit line item was to be {$28.00}. 

On XX/XX/XXXX, I made a payment on my Lowes Business Advantage account of {$220.00}. This payment was to cover the regular purchase balance of {$190.00} plus an additional {$30.00} to more than cover the first month 's minimum payment on the 36-month no-interest promotional balance described above. 

Synchrony Bank erroneously applied {$220.00} to the promotional balance and only {$1.00} to the regular purchase balance. This lowered the 36-month no-interest promotional balance to {$800.00}. 

On XX/XX/XXXX, I telephoned the Lowes Credit Department ( operated by Synchrony Bank ) in order to make a payment of {$2100.00} by telephone from the checking account linked to my Lowes Business Advantage Card. I specifically directed that only {$30.00} of this payment be applied to the 36-month no-interest promotional balance. The remainder of the payment was to pay off the {$190.00} in charges due on XX/XX/XXXX and then proportionally applied to all remaining line items on my account. 

Synchrony Bank failed to follow my specific instructions. Instead, they applied {$800.00} of my payment to fully pay off the 36-month no-interest promotional balance. This was a direct breach of my signed credit agreement in which Synchrony Bank agreed to 36-month no-interest financing on my deposit of {$1000.00}, Instead, they took full payment of that amount in just two months. 

On XX/XX/XXXX, as soon as I was able to review my bill and document the error, I called the Lowes Credit Department ( Synchrony Bank ) to dispute their actions and request an adjustment to my account to reinstate the proper balance to the 36-month no-interest line item. I requested that the reallocated amount be applied to the other line items on my account. The customer service supervisor I spoke with ( XXXX XXXX stated that the payment misapplication was an error on Synchrony Bank 's part. She stated that she elevated the issue to their corporate office and I would receive a telephone call within two business days. As of XX/XX/XXXX, I have not received any communication from either Synchrony Bank or Lowes. 

Clearly, Synchrony Bank has breached their credit agreement with me. They are either unable or unwilling to correct the problem. So, I am requesting assistance from the CFPB to help resolve this issue. Thank you for your assistance.
Product: Vehicle loan or lease

I have a XXXX  XXXX XXXX  that was original financed @ GM Financial @ a  18%interest rate, After lowering the principle by payments I started a loan process for my XXXX  XXXX XXXX with XXXX XXXX XXXX XXXX. I realized the monthly notes were higher than the budget I've set for myself. I called and spoke with someone @ XXXX XXXX and cancelled the process, before I had completed closed,or signed a power of attorney to release the title. I thought it was cancelled as the representative assured me. I continued my negotiations with XXXX XXXX XXXX for a better rate and monthly payment, we reached an agreement, I paid GM Financial an additional XXXX on the principle balance as per XXXX XXXX XXXX   request  completed all the needed  paper work @ a local branch. I signed the agreement paid the appropriate licensure fees and power of attorney for title of the vehicle. The closing was on XX/XX/XXXX.

On XX/XX/XXXX, I received a letter from GM Financial stating That the car was purchased by GM and the title as sent. I know I didn't complete paper work or authorization for the vehicle to be purchased by XXXX XXXX. I have been calling all Financial institutions, since receiving the letter.  XXXX XXXX is willing to send the title back after they get their funds back.  This has been communicated to GM. GM has kept my XXXX dollars I paid. GM Financial have cashed the check for XXXX  in the amount of XXXX  ( the amount owed after my XXXX principle payment). GM Financial has also cashed a check for XXXX for XXXX XXXX.  I now have two car notes to two different companies due in the latter part of XX/XX/XXXX  I completed the paper work with XXXX XXXX,that is the company I want. I call GM nearly every day after being on hold from 30-60 minutes and I am getting different answers each time I call from it will be resolved in 48 hours until it could take 90 days. I always have to start the story all over to each representative and I believe he or she does not consult anyone or know the company's policy and wants just to end the call. I have not missed a payment since I had the vehicle, but I am semi-retired, I don't want to pay double. I need help to resolve this matter.
Product: Consumer Loan

I called Honda XXXX on XXXX, spoke with a lady named XXXX, requested the full payoff amount for my lease/loan. I was given the same amount that appears on my online statement. I paid {$22000.00} in full immediately following the call checked on XXXX and the assessed XXXX in tax fees. When you call for a payoff that is the amount you owe, should be nothing more. This is unbelievable practices by Honda. From my understanding taxes are included in the lease payment, so where did this come from and how can these dealerships/finance companies continue to do this to the consumer. Secondly, we moved from XXXX to XXXX XXXX and Honda changed our car payment ( increased it due to taxes ) without any notice to us, just took the money out of our account. Same happened again when we moved to XXXX, fortunately the amount was lower this time, but still no written notice of any kind. Something has to be done about taking advantage of the consumer.
Product: Credit card

i paid a company with my american express card that turned out to be a scam.i reached out to my credit card company for help and was told they could not help me.supposedly i was out of a time period to dispute.i just dont understand why they would do that.a company as big as american express should be able to do something.the company name was XXXX.
Product: Credit card

Over the course of a few months many transactions were showing on my statement from a company named " XXXX XXXX XXXX ''. 

Upon noticing these charges I instantly started to do research to understand what this was or where it came from. I personally had no recollection of this transaction. 

The following are the charges listed in this order : Transaction Date Post Date Reference No. 
Description Amount XX/XX/XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX TX {$800.00} XX/XX/XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX TX {$800.00} XX/XX/XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX TX {$800.00} XX/XX/XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  XXXX TX {$830.00} XX/XX/XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX {$77.00} XX/XX/XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX TX {$1500.00} XX/XX/XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX {$1500.00} XX/XX/XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX {$1500.00} Upon trying to contact the company at no accord I then proceeded to dispute the transactions with my credit card issuing bank Navy Federal Credit Union. 

The date of the original dispute was XX/XX/XXXX. 
XX/XX/XXXX which I have emails for. 

I was asked to submit any documentation I could obtain which I did. 

The company which was charging my card, XXXX XXXXXXXX XXXX, was no longer in business, as everything I could find red flags them as a Fraudulent, and Scam. 
Apparently over XXXX people were targeting equally as such and many took losses assuming they were going to receive a product which never arrived. 

After a few days, I received an email stating the dispute was not granted due to me not supplying enough information. The issue is, there's not much I would be able to supply, as I was disputing a fraudlent transaction. 
I had not received anything from this company and had zero validation of this transaction in my emails.

A while passed and I noticed the credits were taken back and I was left to pay these amounts that I don't believe I should be left to pay for a scam.

I then contacted Navy Federal Once again, and notified them this company was irrefutable, and officially closed and had several class action law suits against them for being a scam site, yet why would I pay for something that's not legal. 

I was told to appeal the claim, which I then proceeded to do once again, on XX/XX/XXXX since they took time to deal with the original dispute, and by the time I noticed and reviewed my statements, I realized I was never allowed the original credits. 

Now im being told, the time frame to dispute the charges has passed as it's been over 120 days and there's nothing left the bank can do.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the Experian and XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

On XX/XX/XXXX Myself and my husband signed the face sheet of the acknowledgement and receipt of settlement statement. The interest rate was quoted as 5.125 with us paying {$6200.00} to pay it down 2.25 % in interest. File # XXXX, loan number XXXX. Instead, as you go through the paperwork it says our fixed rate is 6.625 %. The original payment, the first, was {$170000.00} with the interest going down through the years as well as the principal going up you should think that our principal would be more than the interest. It is not. Wells Fargo has consistently raised the monthly premium since the beginning. In addition to same be it noted that at this point we have already paid out nearly {$360000.00} yes in 14 years. in addition to same with the plans they have to charge us through XX/XX/XXXX it will be an additional {$440000.00} added together that is about {$800000.00} that is over a half million extra ( {$530000.00} ) when in essence the papers say first off that instead of 5.125 percent we are paying 6.9160 percent. It also states the finance charge is {$360000.00}. It the mortgage papers state total payments will be {$630000.00}. Wells Fargo is not only charging us 6.9 percent although we paid down the points and interest but they are also trying to charge us an extra {$200000.00}. Even though I asked for a copy of the mortgage they had on file the one that was sent merely had a signature on the first sheet. We are supposed to be at a fixed rate. There was no home equity line established, never surveyed, the attachment page B is merely a blank sheet, Neither my husband or myself signed a Waiver of Borrower 's Rights or closing attorney 's affidavit. All this in addition to the information I gave before must be looked at. Please note that every time I have contacted CFPB all Wells Fargo does is play a game of someone is looking into it. First one person calls, then another saying I am sorry she is out of the office they will get back to you. This goes on for months. For instance the situation from XX/XX/XXXX has not been corrected nor has the one from XX/XX/XXXX. Do I need an attorney or a class action suit. In other words there is a lot more and they listen to no one. Please publish this and I will wait a week before going to the XXXX and any other place that can help. I do not know if this is discrimination but it may be for age and/or color. I will send you documentation to show my home was listed as if I owed {$200000.00}. After all we have been paying since XX/XX/XXXX it is now XX/XX/XXXX where is our money.
Product: Checking or savings account

I deposited a XXXX from my XXXX account on XX/XX/XXXX and Thrust bank will not release the funds until XX/XX/XXXX. I issue a check for a deposit on a home for XXXX on XX/XX/XXXX now the check will not clear the bank... I called two bank managers and explained the problem and the funds are still being held although the funds left my brokerage account 7 days ago. 

REGARDS, XXXX XXXX
Product: Debt collection

Halstead financial keep making repeated phone calls, sometimes multiple times within a few minutes. They do not leave message and used cloned local phone numbers to seem as if calls originate locally,
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( XXXX  ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( XXXX  ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed
Product: Credit card or prepaid card

On XX/XX/2011Bank of America claimed that I have a balance for credit with the amount of {$1800.00}. I have contacted the bank and I explained to them that I have never applied for it also I never receive the card. The bank ignored my explanation and reported the balance to the credit bureau. Which resulted in bad credit in my report and score. I have struggled for years to fix that report also I have hired XXXX XXXX XXXX to fix my problem. I have paid that company {$1500.00}. 

Finally, What Bank of America did against me was unjustified and also unfair. Please help me to get my compensation and hold them accountable for what they did. 

For more information plazas contact me XXXX XXXX