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

Believe I have a identity theft issues has several u authorized inquiries have been placed on my reports with all three credit bureaus and i have NOT AUTHORIZED. PLEASE REMOVE IMMEDIATELY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX Experian 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 Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian 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 Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX
Product: Checking or savings account

Hello, I was a victim of a scam on XX/XX/XXXX by a fraudulent contractor company. I sent a deposit of {$240.00} via XXXX  and have not received services. I have contacted Chase bank and request that they conduct and investigation and provide a chargeback for this fraud. However, they have refused to do this.
Product: Credit reporting or other personal consumer reports

I have inquiries on my credit report that does not belong to me. These companies are not assisting in removing these fraudulent items 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 or other personal consumer reports

I was looking over my credit report and i realized that my consumer report had unauthorized inquiries that I didnt know about. According to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be DELETED! 

It has been a defamation of my character Company name : Cap One NA Date : XX/XX/XXXX Credit berau : XXXX You are in violation of the Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully obtaining my XXXX consumer report on XX/XX/XXXX without my authorization or a permissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA } and its guidelines for permissible purpose.
Product: Checking or savings account

I was involved in a boating accident on XX/XX/2018. The boat sank and I very nearly drowned. The severity of the acciddently should have killed me instantly, but I miraculously survived despite incurring severe mental and physical trauma. Since then I have been in hospitals undergoing procedures and treatments ranging from physical injuries to XXXX XXXX XXXX XXXX. During this time I was physically and mentally unable to tend to my finances, so all deposits went to my XXXX checking account and all withdrawals came out of my bank of America checking account which overdrew the bofa account many times over accruing nearly {$400.00} in overdraft fees. 

I spoke to three levels of supervisors for nearly 2 hours explaining my situation, transferred enough funds to bofa to cover the overdraft, but the bank will only waive {$140.00} fees, and they have held my deposit as pending for several days causing even more overdraft fees to occur. These people are in human, I nearly died ... .and they are penalizing me for it. Please help, my medical expenses are continuing and I can not pay these penalties.
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 my claim adequately. They informed me that recovering lost funds was impossible and that to tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has 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: Money transfer, virtual currency, or money service

Hello on XX/XX/2020 I used the XXXX Feature within my Wells Fargo bank application to transfer money to a person who I had agreed-upon for purchase of a product. Upon me sending the money to the person I was then blocked and I have not been able to contact them since. I have reached out to Wells Fargo and XXXX and both are unable and unwilling to help me further with investigating or trying to get my money back. I have the persons personal information and text messages and Ive tried to submit a report with the police department in my local office.Any further information you are requiring from me I will be more than happy to provide. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S Code 1681 Accuracy and Fairness of Credit Reporting : ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect of the consumers right to Privacy. 
XXXX is involved in a Car Loan Class Action. I demand these accounts be delete immediately. 

I've been sending equifax an original copy from XXXX XXXX XXXX stating for equifax to delete and default payments from my report and I have not gotten a response and it has been past 90 days with no response. 
My Information was impacted by the Equifax Data Breach
Product: Credit reporting, credit repair services, or other personal consumer reports

I was affected from COVID and missed a payment on my auto loan and the loan company was supposed to freeze my account intill I caught back up on the late payment. Recently I was trying to get an XXXX XXXX and got denied Bec the auto loan company reported 6 months missed payments when my account was supposed to be on freeze and the payments where paid. I tried getting a copy of the months they received payments from me and they will not give one.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report from Experian and XXXX it shows a new account that opened XX/XX/year> from XXXX XXXX XXXX # XXXX. 

THIS IS NOT MY ACCOUNT, I NEVER OPENED THIS ACCOUNT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I worked for a company that had an XXXX XXXX account and that issued employees cards. If an employee used the card for personal purchases, then the company policy was to pay XXXX XXXX directly for the amount used. Which I an other employee 's did. The company went under during Covid and I began getting notice 's and bills from XXXX XXXX addressed to me personally. Mind you I have never had a personal XXXX XXXX card or account and in fact was denied a card the only time I applied. I Made disputes which XXXX  replied to the credit bureaus that it was legitimate without supplying a copy of the application or any personal identifying information. I notified the Consumer Financial Protection Bureau and XXXX  at least adjusted my credit score but did not remove the false delinquency information. The other two agencies still have my score over XXXX points below XXXX  ( XXXX XXXX. XXXX XXXX responded to me that since I paid my portion of the Bill I was responsible for the balance of the Company 's bill! I spoke with a person who would only provide her first name, XXXX, and she said its their policy. It's a crime to tell a deliberate falsehood to a regulatory type agency like credit bureau 's. I questioned if the other former employee 's were also targeted and they would not answer. But my contact with them disclosed that none of them contacted received any deliquencies from XXXX XXXX. The company was a S-corporation with its own tax id number and the law provides XXXX XXXX with a way of addressing the corporation. XXXX XXXX choose to notify the credit bureau that the accounts were closed but in doing so the closure remains as a delinquency on my personal report. a delinquency that has been closed is still a delinquency in the eyes of other creditors. I have been denied the smallest of credit lines and denied the ability to refinance my mortgage with the historically low interest rates because of this action. i know that XXXX XXXX is a large corporation but they should not have the right to submit false unsubstantiated delinquencies without governance. I would like your help in having the false information completely removed from all of my credit reports. Closing of the account is not removal from the report. if the CFPB is unable to have the credit bureau 's correct clearly wrong delinquency information on a Credit Report, then it's effectiveness is limited at best and useless at it worse. 
My research shows that this is a new agency and therefore may not be fully aware of the effect that actions like mine have on a persons credit life, but I also found it that the creation of the Bureau was for such a time as this. Thank you for your time and anticipated help in this very important matter.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency 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 item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

My dispute is with XXXX XXXX XXXX ( XXXX Visa Credit Card ) and Trans Union credit reporting. It started with an honest mistake with XXXX XXXX XXXX and one I owned up to, which totaled less than {$100.00}. It negated 20 years of great credit in one action made by Trans Union credit reporting agency. When I went to the Trans Union website to see my credit report there is little or no information. The whole website is set up to avoid personal contact and to get you to purchase additional information at a cost. By their actions my line of credit with XXXX XXXX XXXX went from {$5000.00} to {$500.00}. In my entire life ( I am XXXX yrs. old ) and 37 years in XXXX XXXX never been treated so poorly. As an XXXX I always strived to have any action I take be appropriate and consistent. I have never missed a mortgage payment since buying my first home in XXXX, WA. I have never missed an auto payment in my entire life. I have no credit card debit. I own my home outright. My truck is paid off. I am debt free. How XXXX XXXX XXXX and Trans Union came to the conclusion that I was a risk given my history is a question I would like answered. When I said I owned up to my initial mistake, here is what happened. I always pay my credit card off and try and maintain a XXXX balance. As a result I never saw a need to sign up for email alerts or notices and my card. Me and my wife purchased a XXXX during the start of COVID and she placed the monthly membership on the same card as we used to purchase the stationary bike. I immediately paid the bike off and was not aware the membership was going to go to that card. As a result 2 payments went by unnoticed. I was finally made aware or contacted about the issue and I immediately paid the 2 months and brought the balance of the card back to {$0.00}. Apparently XXXX XXXX XXXX lets Trans Union handle these issues and I have shared what their website and lack of communication looks like. I take pride in paying my bills and not owing anything. I cant tell you have this has impacted me and what I stand for. In my letter from XXXX XXXX XXXX denying my latest request for a higher credit line it paints me like I have a history of delinquency and multiple problems. I challenge XXXX XXXX XXXX and Trans Union to indicate to me what other issues they have that would lead to the decision that was made. I hope that your agency can lead to some sort of fair resolution and open communication. I am eager to hear back from you. XXXX XXXX.
Product: Prepaid card

I bought this gift card in XX/XX/year> when I went to us it online it told me I needed to contact customer service which I did and at that time I was told there online stuff was down but I could use the card in a store. I went back to XXXX XXXX where I bought it and tried to use it again it wouldnt let me. So I called again and was told my card was shut off due to some kind of fraud. They said I needed to fax them my id and a copy of the card which I have done like 15 times I have even mailed them a copy. They just keep telling me the copy they get was reversed or backwards now they are saying they never got the one in the mail but a few months ago they said they did but they werent able to read the copy. I put {$500.00} dollars on this card so I could buy my XXXX presents online and were not able to do that. I also went to XXXX XXXX when this happen and was told they dont back there gift cards that once they are bought they dont have anything to do with them anymore and I have to deal with the card provider.
Product: Credit card or prepaid card

VANILLA VISA : I received a {$25.00} Vanilla Visa Gift Card in XX/XX/XXXX. 

On XX/XX/XXXX, I tried to use the card to shop online as follows : 1 ) XXXX : Online purchase of items up to {$25.00} + use of XXXX Gift Card. DECLINED. A subsequent purchase went through but only because I also used a separate XXXX Gift Card that had sufficient funds to purchase the entire order. The Vanilla Visa never worked, could never be applied no matter what I did. I tried 4 times. 

2 ) XXXX : Online purchase of a XXXX gift card, DECLINED. I tried XXXX 3 times. 

3 ) XXXX : Online purchase of a XXXX XXXX XXXX. CANCELLED I reviewed the Vanilla Visa website FAQs, clicked on all pages associated with my card and called XXXX. " XXXX '' answered my call and told me to choose another vender. When I explained my experiences and mentioned that I had already tried three ( 3 ) mainstream vendors, XXXX, XXXX and XXXX, " XXXX '' told me again to try another vendor and suggested I try XXXX. 

I asked if I could use the card in-person and was told I could not. I was also told I could not use Vanilla Visa to purchase gift cards and that I could never apply Vanilla Visa to orders in excess of its face value even if I paired Vanilla Visa with gift cards or other forms of payment. 

I asked for a reference number for my call to XXXX XXXX Customer Service and was told there was not one, that I should use the card number itself to reference the call ( XXXX XXXX XXXX XXXX ). I called today XX/XX/XXXX at XXXX XXXX. 

In addition to Vanilla Visa, I have had great difficulty using other Virtual Visa Gift Cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX # XXXX, Account name : XXXX  XXXX AUTO XXXX # XXXX, Account name : XXXX XXXX # XXXX XXXX Account name : XXXX XXXX XXXX # XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681sXXXX ( A ) ( XXXX ) 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.
Product: Credit reporting or other personal consumer reports

Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I need to attend the following shown items in this letter high contains data taken directly from my credit report which you have provided. 

Delete these unconfirmed inquiries lacking certificate evidence unless fisically certified verified proof is demonstrated per US CODE 15 U.S.C Section 1681 ET SEQ. Section 604 of fair Credit Reporting Act. 

Once you have fulfilled my request, mail me an updated credit report reflecting these changes.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168b permissible purposes of consumer reports. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 XXXXXXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate
Product: Credit reporting or other personal consumer reports

Someone using my information applied for a XXXX XXXX XXXX card without my consent and also had a hard inquiry on my credit report. 
This was a fraudulent application
Product: Credit reporting or other personal consumer reports

Honda Financial Services, hereafter referred to as HFS. 

The timeline of my troubles with HFS Car purchase - XX/XX/XXXX Purchase Honda Accord from XXXX XXXX for {$30000.00} ; - {$10000.00} payment day 1, {$20000.00} 5 year loan from HFS ; - Start making monthly payments by paper check ; Negative credit notification - XX/XX/XXXX - Set up my internet account with HFS in order to make electronic payments ; - Make a mistake configuring the automatic payment facility ; - Miss three payments due to my mistake ; - HFS : XX/XX/XXXX Late Payment Fee Assessed {$15.00} ; - HFS : XX/XX/XXXX Late Payment Fee Assessed {$15.00} ; - HFS : XX/XX/XXXX Late Payment Fee Assessed {$15.00} ; - XX/XX/XXXX, realize my mistake, make 3 payments to get back into loan conformance ; - Around this time HFS makes a negative event notification to the credit agencies ( The don't notify me. I find this out later. ) ; - XX/XX/XXXX, make last of 5 year monthly payments ; - HFS does not make a positive credit event notification to the credit agencies ; No courtesy warning - Prior to the negative credit notification HFS does not do 5 things : ( 1 ) Send a courtesy warning letter to my home address of 30 years ; ( 2 ) Send a courtesy warning to my longstanding email account ; ( 3 ) Call or text me a courtesy warning ; ( 4 ) Send an elctronic message to my HFS internet account ; ( 5 ) Call the XXXX XXXX salesman, whom I bought the car from and with whom I had a good relationship, to give me a heads-up ; - Both HFS and XXXX XXXX had all my information to make courtesy notifications to me before gouging my credit, but they did not do so. 


My fault I should have followed up with HFS to verify the automatic payment facility was configured properly and that the payments were making their way to HFS accounts. Guilty. 

Still I am Honda 's customer. 30 years now. Bought first car from XXXX in XXXX. All my maintenance has been done at XXXX XXXX, even oil changes. 
I have been riding Honda 600cc sport bikes for 30 years. First a XXXX XXXX XXXX and currently a XXXX XXXX. 

I guess I am naive ; my expectations of Honda were too high. 
Our longstanding customer relationship means nothing to HFS or to the XXXX XXXX dealership. Credit gouging from HFS and surly treatment from XXXX XXXX service reps. Very disappointing. 


Good news I am not alone. I have company. 

Some XXXX more victims of HFS wrongs : CFPB Orders Hondas Auto Financing Arm to Pay {$12.00} XXXX for COVID-19 and Other Credit Reporting Failures Auto lender wrongfully reported Honda and XXXX drivers as delinquent https : //www.consumerfinance.gov/about-us/newsroom/ cfpb-orders-hondas-auto-financing-arm -to-payXXXX-for-covid-19-and-other-credit-reporting-failures/