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

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ). 

Please remove these unverified and incomplete items listed below : XXXX there is some inaccurate information reporting XXXX Account Number : XXXX Delete this account. 


2. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


12. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


13. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

There are multiple discrepancies on all XXXX of my credit reports. I had my identity stolen in 2019 and there have been bank accounts opened in my name, fraudulent checks ordered, and likely more.
Product: Credit card or prepaid card

I opened account and Chase decided to close it a month later. I asked them to refund the annual fee since I was unable to use account due to their decision to close it a month after I opened it and not getting the years service they charged me to and they refused. Want account closed zeroed out all purchases have been paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans union is negatively Reporting on unauthorized inquiries to my credit I sent my dispute on XX/XX/XXXX for the inquiries  of XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX today is XX/XX/XXXX and they have not Responded according to the fair credit reporting act they have 30 days to respond or must be deleted Also according to the fair credit reporting act Anything unverified or inaccurate must be deleted
Product: Credit card or prepaid card

I received a letter from Barclays Bank in XXXX DE regarding an application that was placed in my name for a XXXX XXXX Credit card. I DID NOT apply for this credit card. The application number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive requested multiple times for a secuity freeze including C L U E report. Company only wants to give me a partial security freeze
Product: Credit card

I am writing to file complaint against American Express concerning misleading promotional offers associated with the addition of authorized users to my Amex Blue Cash Preferred Card. This issue pertains to a discrepancy between the promotional offers presented to me and the explanations provided by American Express customer service representatives, leading to confusion and a misleading consumer experience. 

As an American Express cardholder, I have previously added authorized users to my account under clear promotional terms without issue. However, a recent experience has prompted this complaint. Following a promotional link, I added another authorized user to my account under the impression that I would receive a {$25.00} credit after this new user spends {$500.00}. This offer was explicitly marketed to me as a benefit for adding an additional authorized user. 

Upon inquiring about the progress of this offer with an American Express online chat agent, I was informed, contrary to the promotional materials, that the promotion only applied to the first authorized user ever added to my account. This crucial piece of information was neither clearly communicated in the initial promotional offer nor in any subsequent communications I received. 

To substantiate my claim, I have included screenshots from my American Express account dashboard, where promotional links continue to encourage the addition of new authorized users with the promise of a {$25.00} credit. This ongoing promotion suggests that I remain eligible for the offer, thereby contradicting the information relayed to me by the American Express customer service team. 

Furthermore, the language used in the terms of the offer " Add one or more new additional card members... and you can earn {$25.00} for the first Additional Card Member that spends {$500.00} '' implies eligibility for this promotion beyond the first authorized user. This ambiguous wording has contributed to my confusion and the misleading nature of the offer. 

Given the discrepancies between American Express 's promotional communications and the information provided by their customer service, I am seeking the CFPB 's assistance in addressing this matter. I request a thorough investigation into these misleading practices and appropriate rectification to ensure transparent and fair treatment for all consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has XXXX XXXX XXXX on my Credit Report as owing {$8000.00} and I owe XXXX XXXX XXXX nothing. I returned the Car I financed with them and the Fair Market Value of the XXXX XXXX XXXX was XXXX and XXXX XXXX XXXX sold the car at an auction for {$2500.00} and they want me to pay the balance. 

XXXX XXXX XXXX XXXX has the car in their possession and Therefore I owe them Nothing effective XXXX. 

I want XXXX to Delete XXXX XXXX XXXX from my Credit Report effective immediately. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

EXETER FINANCE LLC, XXXX Date opened : XX/XX/XXXX Original balance : {$18000.00} Status : Closed. {$11000.00} written off Status : updated XX/XX/XXXX Joint loan between myself and Ex-wife. She took the vehicle and failed to pay the loan. The vehicle was repossessed ( I assisted in locating the vehicle ). That Vehicle has since been resold, the loan the balance charged off, and sold the balance to a collection agency.and I have to deal with them as well
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly In light of the recent 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. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was affected by XXXX which caused a financial hardship in XX/XX/2022. I contacted XXXX XXXX in reference to account # XXXX and they made accommodations on my account and removed the 30 days late fee. Under the Cares Act my account should be reporting as current on my credit report for the month of XXXX 2022. I am requested that the 30 day late be deleted from my credit file.
Product: Vehicle loan or lease

I purchased a car from XXXX XXXX XXXX XXXX the finance manager told me I had to have extended warranty to get loan ... .when Capital One Auto Finance called to verify loan info .. they made me aware that I didnt need extended warranty to get loan ... I informed Capital one representative that I didnt want the extended warranty and that the dealership told me I had to have it to get the financing approved. The representative from capital one said I needed to contact the car dealership which I did ..they said they would cancel the extended warranty and that they wouldnt redo paperwork it would just shorten the loan period. I called back Capital one and wxplained to them what finance manager had told me ... Capital one rep didnt act like it was anything to be alerted about ... I was unaware of the this credit of ext warranty not happening in a timely manner .. I feel like capital one knew I didnt want extended warranty at all and they should of contacted the dealership as soon as I made them aware of the situation.. Im not in the loan business and I feel like they took advantage of my ignorance ( I didnt realize I would be paying interest on this amount for something that I told Capital One I never wanted and was deceived into thinking I needed to have for the loan ) capital one told me its not their problem and that I would need to take up with dealer if I wanted the interest and fees rebated .. I feel like the dealership and Capital one are clearly guilty of deceptive practices. The warranty is still not credited to my auto loan. I purchased the car XX/XX/XXXX had to follow up with XXXX XXXX XXXX mult times asked him on XX/XX/XXXX how he sent cancellation form ( email, fax or easy care website because they never received it ) .. finally had confirmation from extended warranty they received on XX/XX/XXXX they explained could take as long approx XX/XX/XXXX for dealership to have check for extended warranty and then would send it to capital one .. all the while Im being charged on that amount for something I never wanted and not even guaranteed a time frame of being credited.. I believe both XXXX XXXX XXXX and Capital One Auto are guilty of unfair, deceptive, predatory lending practices. Please see attached part of email from finance manager asking me to cancel dispute with Capital One.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my final attempt to have this account removed from EVERY CONSUMER REPORTING AGENCY INCLUDING EQUIFAX, XXXX, and XXXX. All consumer reporting agencies have tarnished my name and have kept me from obtaining credit. They have ruined my reputation and character. They have violated the FCRA and many other Act as well. This is the last attempt before I seek litigation.

12 CFR 1022.1 Regulation V ( a ) Purpose. The purpose of this part is to implement the Fair Credit Reporting Act ( FCRA ). This part generally applies to persons that obtain and use information about consumers to determine the consumer 's eligibility for products, services, or employment, share such information among affiliates, and furnish information to consumer reporting agencies. 
XXXX XXXX Bank is reporting to consumer reporting agencies inaccurate information about an alleged account. I have sent in numerous billing error notices to XXXX XXXX Bank according to XXXX XXXX regulation Z Billing Error. 
I have asked XXXX XXXX to verify and validate the debt they alleged I owe and I requested that the ORIGINAL CREDITOR be identified according to XXXX XXXX XXXX Regulation f The Fair Debt Collection Practice Act XXXX XXXX Bank has failed to validate the debt therefore should delete all unverified information from my account ASAP. XXXX XXXX Bank should delete all account information they share with Equifax, XXXX, XXXX, and any other XXXX XXXX XXXX. I did not consent to have my information shared with anyone or company. 
Since XXXX XXXX has failed to prove that I owe an alleged debt according to 15 U.S.C. 1681c-2 ( c ) all consumer reporting agencies should block Block of information resulting from identity theft. 

I didnt consent nor benefit from XXXX XXXX. If I received goods or services please have a senior executive certify under penalty and perjury that I received goods or services under this transaction. 

I request this account and all late payments be removed from my Consumer Report, Pursuant to 15 USC 1681a ( 2 ) ( A ) ( i ), which states the term consumer report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit report is displaying payments of ; on time ( XX/XX/XXXX ), 30 delinquent ( XX/XX/XXXX ), 60 days delinquent ( XX/XX/XXXX ), 90 days delinquent ( XX/XX/XXXX ) and 120 days delinquent ( XX/XX/XXXX ). Then shows on time payments on XX/XX/XXXX and XX/XX/XXXX. Account was closed XX/XX/XXXX and last payment was made XX/XX/XXXX. A letter was submitted to the credit reporting agency when they " updated '' the account and added the on time payments of XX/XX/XXXX and XX/XX/XXXX. My last submitted dispute/documentation was sent to them XX/XX/XXXX but this was addressed three times in the past.
Product: Credit card

In XXXX 2014 I contacted American Express because of health issues affecting my ability to pay my account in the manner I had through the previous thirteen years and I ask for concessions to allow me time to adjust my payment schedule so I could recover and AMX purportedly granted my request and allowed me to pay a reduced amount starting with my XXXX payment. In this program I was to pay {$270.00} per month for XXXX account and $ 1.1 % per cent per month of the unpaid balance on the other account with the {$270.00} put on automatic withdrawal from my checking account and the other was paid monthly by direct payment from my bank also. This went on for five months as I noticed the balances were not declining as it should and I called AMX and questioned why this was so. There reply was that there was also a 9.9 % charge added to the payments. I told them that an inactive account should not be charged interest. Then they instructed me that I had forfeited on my agreement with them and my credit would show a nonpayment disclosure to my credit report. I then tried to talk to someone in authority and could not connect with anyone. After repeated attempts I gave up trying and I hired a company called XXXX XXXX XXXX of XXXX, OK to negotiate and settle on my behalf they were unable to reach any kind of agreement with AMX and now I am in the process of my money being refunded and I need help with these accounts and to allow me to repay without a judgment being leaned against me.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX ACCOUNT # XXXX Under the FCRA, credit reporting law everything reporting must be true and accurate. Failure to properly investigate is a violation. The above account is not my account and I have no longer of this account. Please provide me proof of accuracy : This company failed to provide proof of this debt. This need to be removed from my credit report. 

I have not supplied proof under the doctrine by silence Engelhart v Graven ( no ) 281 SW 715 719. I presume that no proof of the alleged debt nor therefore any such debt, in fact therefore exist. 

Please removed XXXX XXXX XXXX  account # XXXX from my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX filed a response to my last dispute stating they have removed a bankruptcy from my credit report. Their response also indicates that it was removed due to exceeding the timeframe for verification. They are refusing to admit that the public information was never verified. I have proof of the continual lies. The bankruptcy is still showing on my credit report even after XXXX claimed they removed it. The response from XXXX states that bankruptcy is verified with the Pacer system. MORE LIES AND I HAVE PROOF!!! There is no bankruptcy listed under my name in the Pacer system. This bankruptcy should be removed immediately
Product: Bank account or service

I lost my job XX/XX/XXXX. I went on craigslist to apply for different jobs. I had an account with Bank of America at the time. This one job sent me an email back stating I can receive money going shopping for other people in need and they will send me a check. Once I receive the check deposit in my account and take a percentage out for myself as they would give me a listing of items to by. I received a check in the mail from Texas and it was XXXX to me. Once I received the check it looked like a real check with a stub not knowing it was going to hurt my bank account. The bank closed my account after five years on count of this, because it was a bad check. Finally I not able to open another account not cash my working check. I hope my complaint reaches someone I was unaware that this situation would happen. Please help I have a son with a XXXX and I need a account to pay bills, work direct deposit and to cash my son SSI checks as well. I need help.
Product: Mortgage

I have refinanced my mortgage XXXX times with BofA. Each time I was pushed through a process called " The '' Hustle '' program, a " high speed swim lane '' program which eliminated every checkpoint on loan quality and compensated employees based solely on the volume of loans it originated. The " Hustle '' reduced the amount of time spent processing and underwriting conventional loans, thereby boosting loan volume and revenue. XXXX of 2013 the DOJ and BofA went to court over the banks liable for misrepresenting the quality of mortgages sold to XXXX and XXXX XXXX. I would never have qualified for refinance my mortgage if any documentation were required. To obtain my mortgage not XXXX single document was required. Only my credit score. Now I qualify for a reverse mortgage but I am {$8000.00} short. I would like my closing costs reimbursed for all XXXX transactions because if I were not, and should not, have been allowed to refinance, I would be in the position to obtain a reverse mortgage without a problem. BofA will not discuss a settlement for the {$8000.00}. with me and basically totaly ignores me, does not return my phone calls and basically discounts my existence. I need help with this injustice. XXXX XXXX
Product: Bank account or service

I have contacted JP Morgan Chase Bank in Ohio several times in regards to an unauthorized debit of {$330.00} that occurred on XXXX/XXXX/16 on my checking account. The bank has repeatedly refused to allow me to dispute the unauthorized transaction without any explanation as to why.
Product: Debt collection

AN ACCOUNT IS SHOWING A BALANCE OF XXXX FROM I C SYSTEMS ORIGINALLY XXXX IS NOT MINE. FRAUD.
Product: Mortgage

Payment descripincies with amounts paid/applying incorrectly ; charging late fees when not late. 
HOLDING my payments and not applying correctly ; billing ledger is impossible to read and not even their csr reps understand it. In XXXX, did a XXXX forbearance plan where they were putting missed pymts = $ XXXX on the back of loan. Appears as they did a second mortgage? They increased my escrow and insurance DOUBLE even though they got their money back from home owners insurance companies. Ive called several times asking them to fix but they say they will and dont. I requested a ledger showing all my payments from XXXX forward. I was told they only keep the last XXXX yrs. I am unable to view ANY payments prior to XX/XX/XXXX online customer portal via their website.
Product: Credit card or prepaid card

I opened a credit builder account with the Self Lending website in XX/XX/2020 which states that after paying {$25.00} a month I would be able to build a credit history though a " loan '' and apply for their secured card. The requirements defined on their website to apply for the secured card is 1 ) a Self account, 2 ) {$100.00} in savings progress ; 3 ) three on-time payments - all of which I met. Supposedly, credit score is not a factor in eligibility in this program.

I have met all the requirements but when I inquired why I could not apply I was told that I still owed XXXX cents to bring my savings progress balance to {$100.00}. On a second inquiry I was told there was a complicated calculation for determining " savings progress '' and that my savings balance as " decreased. '' This was what I was told in a live chat with one of their representatives : " Inside your account dashboard, your Savings Progress is the approximate " cash '' value of your Credit Builder Account if it were closed out today. This amount will fluctuate often as your account interest rate is compounding ( interest calculated on the initial principal which also includes all of the accumulated interest of previous periods of a deposit or loan ). '' Clearly on the dashboard for the account, it says I meet all the requirements to apply for the card. It does not say " approximate cash value. ''
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I called Fortiva XX/XX/2017 XXXX to settle a debt ; I spoke to XXXX regarding ( patient ID XXXX ) he advised me that the account was sold to XXXX XXXX -- -I called XXXX and was advised this account was sold back to Fortiva -- I then called Fortiva again and was told that it was not with them but sold to XXXX -- -I basically got the run around and there was no resolve to this debt showing on my credit report.