23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

On XXXX XXXX I was denied an extension of credit by Wells Fargo Auto thru XXXX XXXX XXXX XXXX XXXX application # XXXX, as you may be aware it is against federal law thru the Equal Credit Opportunity Act to proclaim adverse action against a consumer pursuant to 15 USC 1691 ( c ). Wells Fargo auto is assuming covial liability pursuant to 15 USC 1691 ( k ). My consumer rights have been violated thru the laws in place by congress, proof and evidence I have is the letter mailed to me on XX/XX/2022 from Wells Fargo auto. Also note 15 USC 1681m ,15 USC 1642 and 12 CFR 1002. I would hope Wells Fargo can rectify this situation for the use of my social security number!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the XXXX, XXXX, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$370.00}, XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$190.00}, XXXX Account # : XXXX date opened XX/XX/XXXX XXXX. Inquiries : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 I was at a local bar and was scammed by two patrons there. While my XXXX  was unlocked and I was checking the online banking app, I was intentionally distracted by one patron while the other was able to get my loose, unlocked phone. Phone was out of my possession for over 10 hours and there were two unauthorized XXXX transactions that occurred during that span for an amount up to {$1500.00}. 

I got my phone back from the bar the next day and reported the transactions as soon as I seen them. My online banking with wells fargo was turned off immediately although they denied my fraud claim for the transactions. They refuse to escalate the case and have not been helpful. I have NEVER asked for refunds for anything on the account and I feel like refund was denied just because the online banking app was open. My bank should support me during this hard time in my life were I was frauded. 

Wells fargo needs to take responsibility and understand that these things can happen and give me my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I opened a auto loan with XXXX XXXX. In XXXX, XXXX I called XXXX telling them I would be out of the Country and would be making a " double '' payment. This result was a 30 day late for XXXX, XXXX. I called XXXX and they are very hard nosed and would not remove it. 

In XXXX, XXXX ... I filed a complaint with XXXX over this 30 day late payment. I received a call from a XXXX representative a week later saying ... watch this. 

On XX/XX/XXXX I opened my credit report to a XXXX point drop, and a 30 day late payment reflected for XXXX, XXXX and a 30 day late for XX/XX/XXXX. 

I called XXXX and they refused to remove it. The Specialist stated, thats what you get for disputing with us. Those late payments were a result of a " returned '' payment. XXXX took 24 days to take those funds from my bank. At which point I had changed banks, and resent the payment via credit card, BEFORE the bank returned the payments. 

XXXX response was .... '' its still late ''. My statements show I was not late, assessed no late fees, ect.
Product: Credit reporting, credit repair services, or other personal consumer reports

There several inquiries on my credit report that shouldnt be there. On inquiries on XXXX, Credco- XXXX XXXX, XXXX XXXX XXXX XXXX- XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX  XX/XX/2021, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX, Credco 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

The question ( " Have you disputed the issue with the credit reporting company and received a final response '' ) is two-fold ; I answered Yes because I have disputed the inquiry, but on the second part of the question, I have not had a final response yet. 

I was notified by XXXX that an inquiry was placed on my Equifax credit report by XXXX in XXXX of 2015. I am not, nor have been for almost 10 years, a XXXX customer. I have not called them, not spoken to any of their representatives through phone/email/etc, nor have I applied for any of their services. I therefore did not authorize XXXX to access my report. A small XXXX search to learn how to approach this issue yielded numerous news articles about XXXX being taken to court for illegally pulling credit reports. This behavior needs to stop.
Product: Credit card or prepaid card

I received a card from my tax preparer. My federal and state taxes loads to this card every year. this isn't a card I use regularly and I almost always keep money on this card. I have been a victim of credit card fraud. As soon as I found out I notified the company immediately. I got a police report, i also did my own investigation and went around to local retailors and i was able to look at and record over footage from one of the stores in question. the video shows an unknown male swiping my card providing no id at all. I did not authorize nor do I know who this is. The card company is giving me a hard time and just after less than a week denied my claim. The card was stolen.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXXXXXX XXXX Balance : {$190.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

un approved charge to my Chase checking account. 

XXXX add offering free trials on pills. I ordered the free trial I paid the shipping cost. 
The pills don't work I believe they are no good. I contacted the customer on XX/XX/XXXX to cancel. I did receive a E-Mail confirmation for no future charges on my account. and on XX/XX/XXXX. I get a charge for {$92.00}. and there was no additional product sent only the original free trial. I contacted my bank, they added a credit for this amount and mid month I received a notice from Chase that they have charge the {$92.00} again. I have not received any additional product from this company but they did charge my account after the day they agreed to cancel. I will attach the accepted cancelation notice. 

XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

To whom it may concern : my complaint is as follows, in XXXX of XXXX, our XXXX XXXX XXXX XXXX XXXX trailer on loan number XXXX, had a payoff request asked for by XXXX XXXX XXXX XXXX XXXX. A check for the entire payoff amount was submitted per loan office with XXXX XXXX According to XXXX XXXX, Bank of the West had never processed original check and it was not cashed which crested late charges. XXXX XXXX coordinated that mishap with them and supposedly all was resolved. 
Bank of the West, continued to issue notices for late fees and interest fees for payment due to my account after this transaction was completed. I contacted XXXX XXXX, inquiring and was informed that Bank of the West did not process the loan payoff correctly. My apology for not having specific dates but if you check the records of Bank of the West, they have a call log as to when and how often I called and spoke with them. 

Over the next 4 months to current date there have been several calls to resolve what was initially, {$33.00} outstanding. Our position on this stands firm. These charges are not legitimate, and this account must be closed and satisfied and declared PAID IN FULL AS PROMISED. 

In addition, Bank of the West has the responsibility to report back to the credit agencies : XXXX, XXXX and XXXX, removing any negative and/or derogatory information reported against XXXX XXXX XXXX and XXXX XXXX XXXX XXXX 

Respectfully submitted, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ATTENTION CFPB THIS IS NOT A DUPLICATE REPORT THIS COMPANY AGAIN HAS VIOLATED MY RIGHTS! 

In accordance with the fair credit act, this creditor has violated my rights. Under 15 usc 1681 section 602 states I have the right to privacy. 15 usc 1681 section 604 ( a ) section 2 it also states consumer reporting agency can not furnish an account without my written instructions. 

FRAUD AGAIN, DO NOT HAVE MY WRITTEN CONSENT I'M PREPARINGTO TAKE THIS COMPANY TO FEDERAL COURT I WILL NOT SEND YOU ANY OF MY PERSONAL INFORMATION AGAIN!! YOU CAN SEE I
Product: Debt collection

I spoke with a representative at Focus Receivables Managment on XXXX XXXX, 2016 and Focus Receivables Managment confirmed they do not have a debt within their system of {$790.00} with XXXX. They also confirmed that they would alert the bureaus to remove this debt, but it is still reporting on my credit report. I am filing a complaint for not attempting to help me with this debt. Due to the fact that it is still reporting on my credit report with XXXX XXXX.
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 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 claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle was not only neglected to protect consumers but has 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

Bank of America ran my credit without my permission back on XX/XX/XXXX, and they used XXXX XXXX to do it. I reported Bank of America to the CFPB on multiple occasions in XX/XX/XXXX/XX/XX/XXXX, and they said they would have XXXX XXXX remove the hard inquiries. XXXX XXXX was supposed to have the hard inquiries removed from my report all the way back in XX/XX/XXXX of this year, but they haven't. XXXX still has the hard inquiry from them. I contacted XXXX XXXX on XX/XX/XXXX, and they said I needed to submit a written request to them to give to XXXX to remove the hard inquiry. I sent it via email ( XXXX XXXX said it was acceptable ), but over a month later, the hard inquiry from XXXX is still on my report, and I've been dealing with the whole situation for over half a year. Attached is the email I sent in XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 UCS 1681i ( 5 ) I have waited more than 30 days and updated my credit report and everything was the same. 

Equifax and XXXX are reporting a bankruptcy but the date reporting is not correct on the reports because if it was they would be the same. 

This is a violation of the FCRA and is preventing me from purchasing real estate. 

I am attaching a copy of my dispute letters and my credit report to see how my rights were violated.
Product: Debt collection

At XXXX on Thursday XX/XX/XXXX I received a call from ( XXXX ) XXXX ( what would be a local phone number in this area of Texas XXXX. The caller was a female who identified herself as XXXX. She stated that we were on a recorded line, and that she was calling " about a personal matter ''. I asked that she send the information in writing. She asked " Is your address in XXXX XXXX? ". I responded that yes, my address was in XXXX XXXX, Tx. I assumed this was to verify where the written demand would go. Instead, she responded that verifying my city was confirming that the debt was mine. She went on to state that she was from Unifin and collecting a medical debt in the neighborhood of {$19000.00}. I told her that I don't recognize any such debt. She then responded that it was a debt from XXXX XXXX. I again told her that I don't recognize the name XXXX XXXX. That was the point when she said the date of service was in XXXX, and the last payment made was in XXXX. My focus then shifted, and I asked her " Wouldn't that mean it is beyond the statute of limitations? ". She responded that there was no statute of limitations on collecting a medical debt. I then, with the assumption that she was " tiptoeing around her words '' said " You claimed we are on a recorded line, so let me ask you a couple of different ways. Could you report this debt to a credit reporting agency? '' She responded " We are a credit collector ''. Again I assumed she was trying to use slightly different words to deceive me so I asked " Could you sue over this debt? ". At that point she responded " I don't have the capacity to discuss that. Since you are refusing to make payment on the debt, I will note that fact and report it to the creditor. '' The call then ended. 
It is my belief that the caller, on behalf of Unifin, attempted to mislead me into believing that the debt was within the statute of limitations, or more specifically that no statute of limitations exists. She further attempted to deceive me by responding to a question about credit reporting agencies by stating " We are a credit collector. '' Additionally, the company has called me what I consider to be an unreasonable amount of times. It is easy to recognize a call once you answer. They have an almost signature way of initiating calls by stating " I am trying to reach ( fill in the name ) about a personal matter. '' They then ask a series of personal questions to verify to whom they are speaking. It is my belief that they have called me in excess of a dozen times, but use different phone numbers in order to not be identified. If this debt is actually from XXXX, and the last recorded payment was in XXXX, even if I believed it was mine, it would be well beyond the XXXX statute of limitations in Texas. That means even XXXX phone call would be an unreasonable number of times. It is no longer a valid debt whether it once was or not.
Product: Student loan

I wanted to apply for the loan forgiveness but I was given a forbearance. I've been paying on this loan since 2005. My payments were affordable until they trippled them when my forbearance was over.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX was unable to set me up in their system so I could pay my bill. They sent me this email confirming this : XXXX XXXX The digital escalation team at XXXX XXXX has received your case ID # XXXX. 


Your case is part of a larger issue that will take more time to correct. Our tech teams are working to fix the problem, and we'll reach out to you as soon as any updates are made. 

Thank you for your patience in the meantime, and should you need any additional assistance, feel free to contact us at XXXX. 

Sincerely, XXXX XXXX XXXX Escalations Team
Product: Credit card or prepaid card

I made a complete payment for my credit card in store but even though it says on my credit card issuer 's website that the payment was complete. They are still charging me the same amount plus the overdue fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act Credit and Financial Companies have violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I write to you today with a heart heavy with disappointment, as I find myself entangled in a web of outdated and fraudulent information on my credit report. The credit bureaus like TransUnion, entrusted with the responsibility of safeguarding the integrity of financial data, have failed in their duty, leaving me to suffer the consequences of their negligence. Despite my many repeated requests for the removal of this misinformation, the credit bureaus have turned a blind eye to my pleas. They have ignored my rightful demands for accuracy, allowing erroneous data to persist on my credit report, casting doubt on my financial standing, and impeding my access to fair opportunities. This outdated and fraudulent information has far-reaching consequences. It tarnishes my reputation, hindering my ability to secure loans, obtain favorable interest rates, or even pursue certain employment opportunities. The credit bureaus ' indifference to my plight demonstrates a disregard for the well-being of hardworking individuals like me. I implore you to rectify this grave injustice promptly. Remove the outdated and fraudulent entries from my credit report, restoring the accuracy and integrity that should be the hallmark of your institution. Failure to address this matter will only further erode the trust and confidence that the public places in your services.
Product: Checking or savings account

Attempted to withdraw funds from my XXXX account to my bank account. Transfers typically take XXXX business days. However, after 6 days have passed, the funds are not still not available in my bank account. It is currently XX/XX/2023. 

XXXX XXXX ID : XXXX Trace # XXXX Date of deposit : XX/XX/2023 Expected posting date : XX/XX/2023 Amount of deposit : {$130.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The Consumer Reporting agencies Failed to do a Proper investigation. You Recently verified XXXX XXXX XXXX XXXX ( XXXX ) account number XXXX as 100 percent Verified Accurate. With all the errors on my report its not possible a investigation was done. 15 usc 1681i I've also seen on my credit report inconsistent information among the three different Credit Reporting Agencies. 

Experian XX/XX/2022 reported 90 Days Late, XXXX reported nothing, and XXXX nothing because the account was Removed. How can you be 90 Days Late XX/XX/2022 Experian without prior being 30 Days Late and 60 Days Late. It is impossible. This is inconsistent and incomplete. 

One of the most important is the " Last Activity '' so we as consumers know when a account reaches 7 years. Its impossible to Trust the CRA 's when XXXX or Experian does not report a " Last Activity '' and XXXX deleted the Entire account. 

Again how am I to trust XXXX XXXX XXXX XXXX ( XXXX ), XXXX, XXXX, and Experian to act in good faith? Please remove because the " High Balance '' is reporting three different amounts. There is no way this account was properly verified Accurate if XXXX reported " {$25000.00} '' and Experian reported " XXXX '' and XXXX Removed account. 

The Payment History is Incomplete rating with Years of positive payment history missing. 

Experian has changed the " CO '' date to XX/XX/2022 and XXXX reported " XXXX  '' 15 USC 1681a 2 ( B )
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : XXXX XXXX and JPMCB- Auto Finance has violated my right to privacy, by reporting inaccurate information on my consumer report.I have reached out to these companies via : U.S . Postal Services pertaining to these alleged accounts.

According to 15 USC 1681 Section 602 A. States I have the right to privacy.

According to 15 USC 1681 Section 604 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

According to 15 USC 1692 j ( a ). It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participainting in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.