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

TransUnion XXXX and XXXX have been reporting inquiries that I do not give permission for these companies to report on my file. thats fraud, identity theft, and a violation of the privacy act of XXXX the CRAs are in direct violation of federal law to report these inquiries. According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and Transunion are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, TransUnion and XXXX do not have my consent to furnish this information and they surely do not have my written consent.
Product: Debt collection

XXXX XXXX/Capital One Account # XXXX Collections Agency : XXXX XXXX XXXX XXXX XXXX Original Creditor : Capital One Bank USA NA 1. ) XXXX XXXX has perjured themselves in their last response to The CFPB. They claim they mailed a letter notifying me of the debt they allege I owed to them in XXXX, however, show no proof of such, I never recieved such, I was unaware I could dispute this debt and the only documentation they have stating they mailed me anything at all is dated XXXX, roughly ( 3 ) three years later. 

2. ) XXXX XXXX made the irrefutably false, fraudulent, deceptive and misleading statement in their last response to The CFPB : " Business records provided to XX/XX/XXXX by Capital One at the time of our purchase verify that the account was opened on XX/XX/XXXX, for XXXX XXXX XXXX whose social security number ends in XXXX and that a balance of {$3500.00} was due on the account at the time of XX/XX/XXXX purchase. '' I have personally confirmed with Capital One, that the account ending in XXXX was not opened until XX/XX/XXXX, not XX/XX/XXXX as they falsely claim. 

In fact, Capital One has clear records which state my Capital One account beginning in XXXX which was opened XX/XX/XXXX, was closed in XX/XX/XXXX, due to my account being upgraded to a Capital One XXXX XXXX account which was then updated with a new account number ending in XXXX. None of these dates are remotely close to XXXX XXXX false and likely forged record of events as they clearly have retaliated for a period of 5 years through deceptive practices. 

The Capital One Account beginning in XXXX which was opened XX/XX/XXXX, was closed in XX/XX/XXXX, is in fact still listed within my credit report with an exceptional payment history, and a credit limit of {$500.00}, which does not reflect XXXX records either.
Product: Credit card

While traveling to XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX to XX/XX/2023 a fraudulent charge occurred and was posted to my American Express card last five digits XXXX. We the two cardholders did not initiate, authorize, validate or sign for this charge to said company XXXX in the amount of {$2200.00} transaction date XX/XX/2023. 

Upon return to the XXXX I became aware of the charge and immediately called American Express to report this crime and Fraud on my Gold American Express Card. The card was immediately canceled and new cards were sent to my home with new card numbers. 
I followed all instructions from American Express following the initial phone call. Now months later this is still not resolved. American Express has mishandled this XXXX # XXXX from the initial reporting of this fraud. They have opened and closed numerous cases on the same charge to card and as of today have still not confirmed to me that they will not re-bill me for the crime committed while traveling in XXXX on my credit card. 

After months of dealing with this and hours and hours of stressful frustrating phone calls American Express latest letter dated XXXX XXXX which I have attached they have again removed charge from my billing cycle, BUT stated that this is not a guarantee that they will not in the future re-bill me for the criminal fraudulent charge of {$2200.00} from said company XXXX.
Product: Vehicle loan or lease

Westlake porfolio management supposedly took over u.s auto loans and contracts for cars that was leased from u.s auto... the amount of the vehicle is wrong and monthly payments that I've paid is not adding up correctly. Us. Auto was not appying my payments and repoed my vehicle twice and i paid to get it back both times and i was on time with payments. Now Westlake is on my credit and is late changing me every since they had the contract cause they gave me a different due date and the total of the agreement is way off.. I have my original contract from u.s auto just have to find it. My credit is being lowered and hit monthly cause of this and it's so frustrating XXXX XXXX XXXX XXXX XXXX  XXXX ssn
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an account with affirm in XX/XX/2022 since then I had on-time payments that could have greatly improved my credit however instead of the latter affirm only reported to XXXX and only when I was late on XXXXXXXX XXXX payment but they did not have any positive information posted before or after and they refused to update my account on XXXX website they told me every XXXX  days that was XX/XX/XXXX when I spoke to someone my credit report is now missing XXXX and XXXX payments and they refuse to update or follow up with me about this matter
Product: Debt collection

i notice on my credit report that i had 2 collections that was reporting that is not related to me and the credit bureaus Transunion and XXXX violated the FCRA by reporting A collection account without sending me a verification letter stating that its my debt. The collection agency XXXX XXXX XXXX XXXX XXXX violated the FDCPA pursuant ( 15 U.S. CODE 1692g - Validation of debt ) they never sent me a letter in the mail nor electroninally stating that i owe this is a violation that need to be handled
Product: Credit reporting or other personal consumer reports

I have been a victim of XXXX XXXX for the past XXXX years. There have been Fraudulent Items being reported to my Credit Report. Someone has opened up a fraudulent accounts in in my name that is now reporting to my credit. 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 XXXX XXXX XXXX XXXX XXXX. I have attached a copy of my ID and FTC report. ( Please see attachments ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Did not give consent for more than one hard inquiry. 
XXXX XXXX XXXXXXXXXXXX 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 Did not give consent for hard inquiry. 
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Did not give consent for than one hard inquiry. 
XXXX XXXXXXXX XXXX XXXX New XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX New XX/XX/XXXX XXXX Did not give consent for hard inquiry. 
XXXX XXXX XXXX Credit Bureau Inquiries XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Bureau Inquiries XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Bureau Inquiries XX/XX/XXXX XXXX Did not give consent for hard inquiry. 
XXXX XXXX XXXX Miscellaneous Finance XX/XX/XXXX XXXX Did not give consent for hard inquiry. 
XXXX - XX/XX/XXXX Equifax Did not give consent for hard inquiry. 
XXXX - XX/XX/XXXX Equifax Did not give consent for hard inquiry. 
XXXX XXXXXXXX XXXX Finance XX/XX/XXXX XXXX Did not give consent for hard inquiry. 
XXXX - XX/XX/XXXX Equifax Did not give consent for hard inquiry. 
XXXX - XX/XX/XXXX Equifax Did not give consent for hard inquiry. 
XXXX XXXXXXXX XXXX Finance XX/XX/XXXX XXXX Did not give consent for them to pull a hard pull inquiry. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Did not apply for these cards. Did not give consent. 
XXXXXXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax
Product: Mortgage

We chose Loan Depot to do a cash-out refi of a rental property and then use that cash to pay off a 2nd property. 
We were asked to provide all of our documentation ( 2 months of pay stubs, rental agreements, 2 years tax returns, mortgage statements on all properties, insurance documentation on all properties, 2 months bank statements for multiple banks, driver licenses, etc ) which we did on time. 

Loan Depot scheduled a close date which happened to be on the exact date the payoff statement from property # 2 expired. We only received an e-mail communication on the date and time and we confirmed we would be home for that appointment. The closer never showed up. Now we have to re-work the loan estimates on a new closing date with a different payoff statement ( cost of {$25.00} ) and possibly lose our interest rate lock as well. 

I have repeatedly called and e-mailed our Sr Account Manager, The Process Manager and the Processing Director over the past 3 days. I have left multiple voice mail messages because none of these individuals pick up the phone. In the past 3 days I received 1 call back from the Process Manager who stated she got a message that I called, but didn't know anything more than that ( even though I provided a very detailed message about what the problem is what they can do to help ).

If I attempt to go through the main customer service line, I get stuck in a continuous loop with multiple people pushing toward some unavailable line that dumps me back into the abyss.

Three days. Not a single, helpful return call. None. We have no idea if we will close on this loan and have already paid processing fees, payoff statement fees and appraisal fees. It has now been 45 days since we started this process and with no idea when it will end.

If we wait any longer our rate lock will also expire ( Loan Depot already extended it once ). At this point Loan Depot needs to resolve and explain how we move forward with no additional costs and with the same interest rate. If we can't get that done, I want my money back. I moved forward in good faith that they would be able to complete this loan process. If they can't provide the service promised, then I should not have to pay for items as part of a failed attempt ( on Loan Depot 's side ) to complete the process.
Product: Credit reporting, credit repair services, or other personal consumer reports

Less than two years ago I started a membership with XXXX XXXX XXXX XXXX. It came with XXXX XXXX  Visa credit card with a {$1200.00} limit. I did not need the credit card because I have another XXXX XXXX XXXX Visa and XXXX XXXX both with XXXX XXXX dollar limits. I accepted the XXXX card with the purpose of just using it at XXXX so I could receive membership points and cash back at the end of the year. I seldom used the XXXX Bank card. 

On XXXX, I purchased a TV and Stereo speakers from XXXX for {$1400.00} using the XXXX XXXX Visa card. The transaction processed without a hitch even though it exceeded the {$1200.00} limit by almost {$300.00}. I thought the transaction would process to the limit of {$1200.00} and I would have to pay the difference with cash or another credit card. Within a week of my purchase, XXXX XXXX reported me to the credit agencies ( Equifax, XXXX and XXXX ) reducing my credit rating by XXXX points. Keep in mind that my debt payment date on the credit card was not until the end of XXXX. They did not even give me an opportunity to make good on the debt before reporting to the credit agencies. The debt was not delinquent.
Product: Credit card or prepaid card

Placed order on Bloomingdale 's website dated XX/XX/2020 under order number XXXX, the item was solely for a watch, in the amount of {$590.00}. The purchase meets the threshold by the merchant to qualify under the 12 months no interest plan, provided you pay the balance in full during this period. Please have this balance transferred to under this plan.
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 XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) 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. 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.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  XX/XX/year> THIS INQUIRY IS FRAUD AND NEED REMOVE/DELETE PLEASE CHECK THIS PLEASE... 

15 USC 1681N- Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 

15 USC 1681-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. the information is, in fact, inaccurate. 
Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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 card

On XX/XX/XXXX, I applied for Servicemembers Civil Relief Act benefits from American Express but was denied. I provided supporting documents to reflect the current duty station as a key provision state, Louisiana. 

On XX/XX/XXXX, I applied for SCRA benefits but was denied again. Once more, I provided supporting documents and highlighted the State of Louisiana Statute RS 29:312, which reads as follows : XXXX. Limits on creditor interest rates A. Notwithstanding any provision of law to the contrary, no creditor in connection with an obligation entered into on or after XX/XX/XXXX, shall charge or collect from a person, or spouse of a person, who is on XXXX XXXX interest or finance charges exceeding six percent per annum during the period that the person is XXXX on XXXX XXXX. 

B. Notwithstanding any provision of law to the contrary, interest or finance charges in excess of six percent per annum that otherwise would be incurred but for the prohibition in Subsection A of this Section are forgiven.

C. The amount of any periodic payment due from a person, or spouse of a person, who is on XXXX XXXX under the terms of the obligation shall be reduced by the amount of the interest and finance charges forgiven under Subsection B of this Section that is allocable to the period for which the periodic payment is made.

D. In order for an obligation to be subject to the interest and finance charges limitation of this Section, the person, or spouse of the person on XXXX XXXX, shall provide the creditor with written notice and a copy of the military or gubernatorial orders calling the person to XXXX XXXX and of any orders further extending XXXX XXXX, not later than XXXX XXXX XXXX days after the date of the person 's termination of or release from XXXX XXXX. 

E. Upon receipt of the written notice and a copy of the orders referred to in Subsection D of this Section, the creditor shall treat the obligation in accordance with Subsection A of this Section, effective as of the date on which the person is on XXXX XXXX. 

XXXX A court may grant a creditor relief from the interest and finance charges limitation of this Section, if, in the opinion of the court, the ability of the person, or spouse of the person, on XXXX XXXX to pay interest or finance charges with respect to the obligation at a rate in excess of six percent per annum is not materially affected by reason of the person 's service on XXXX XXXX. 

Acts 2005, No. 296, 1, eff. June 29, 2005.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting late payments on my credit report on 10 different DEPT of ED Student Loans. Experian is reporting 90 days late XXXX and XXXX and reporting 120 days late XXXX, XXXX, XXXX, XXXX, XXXX. The loans were never late. The loans were in FORBEARANCE at the time the late payments are being reported. I have attached NSLDS showing that the loans were in FORBEARANCE.
Product: Credit reporting or other personal consumer reports

Re : Complaint Against American Express, XXXX, and XXXX for False Credit Reporting Dear CFPB, I am filing a formal complaint regarding violations of consumer protection laws by American Express, XXXX, and XXXX concerning the inaccurate reporting of a settled debt on my credit report. 
Specifically, the violations involve : Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) : Inaccurate reporting of a settled debt as unpaid. 
Failure to correct the false report after disputes were submitted with supporting evidence. 
Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. ) : Misrepresentation of the debt status by American Express. 
What Happened : An outstanding balance of {$2900.00} for my American Express account was placed under collection. On XX/XX/2024, I reached a settlement agreement with American Express, paid the agreed amount, and received written confirmations that the account was fully settled and would no longer be placed under collection, and received the following confirmations : - Settlement agreement confirmation from American Express. 
- Proof of payment of the settlement amount. 
- Confirmation of successful processing of the payment. 
- Written confirmation from American Express stating that the account was fully settled and would no longer be placed under collection. 
Despite this, XXXX and XXXX have continued to report a balance of {$2000.00} ( XXXX ) and {$2900.00} ( XXXX ) on this account, and labeling it as a " potentially negative account. ''. 
What I have Done to Resolve the issue : I have submitted disputes to both XXXX and XXXX, providing supporting documentation that confirms the debt has been fully settled. However, both credit bureaus have stated that American Express repeatedly confirmed the debt was still outstanding. This assertion is inaccurate and misleading, as evidenced by the documentation provided by American Express.
Product: Student loan

Subject : Incorrect Interest Rate on Student Loan Complaint Summary : I am being charged a higher interest rate on my student loan than what is stated in my promissory note. My loan servicer, Firstmark Services, is currently applying an interest rate between 10.13 % - 11.01 %, whereas my promissory note specifies the highest interest allowed for this loan is 9.99 %. 

I contacted my loan servicer on Tuesday, XX/XX/2025, but I have not received a satisfactory response, having been completely dismissed and them not acknowledging the mistake. I have attached copies of my promissory note and recent loan statements as evidence of the discrepancy. I am only able to see the last XXXX billing statements. I have been charged a higher interest rate for at least the last 14 months, unsure of how long exactly this has been happening. 

Please address this issue promptly. Thank you for your assistance.
Product: Checking or savings account

Opened and funded new account with bonus promo code for Tradestation on XX/XX/year>. Met and exceeded all requirements for a {$150.00} bonus. Tradestation has failed to post my {$150.00} bonus. I have contacted them numerous times and haven't received the bonus I earned.
Product: Debt collection

I am disputing the following account with Discover Financial {$1000.00} and XXXX/XXXX {$380.00} as fraud. I did not authorize these companies to open any account in my name. I am a victim of identity theft. I am requesting these accounts that is reporting a balances to be removed from my credit report due to fraud. I am also disputing the following inquiries Discover Financial and XXXX/XXXX be removed as well for fraud.
Product: Debt collection

In XX/XX/2020, I was contacted by XXXX XXXX about this account. I sent a letter to XXXX XXXX because I have a right to be treated by a collection agency with dignity and respect. The collection agency has engaged in the following practices, which violate the federal Fair Debt Collection Practices Act : Repeat calls as harassment Illegally Inform a Third Party About Your Alleged Debts repeatedly calling relatives, family and friends Calling and impersonating friends/relatives especially when you are taking advantage of elderly people Collectors are not allowed to inform anyone about your debts Within five days of the collector 's initial communication, it must send you a notice include the amount of the debt, name of the creditor, and notice of your right to dispute the debts within 30 days. 

XXXX XXXX stopped calling and never provided any documentation about the debt. Now, Continental Collection is showing on credit reports. So I dont know who owns this account. Recently, I was checking my credit reports and noticed Continental Collection. Continental Collection has never provided any documentation to me about this debt or sent me any communication about this debt. In addition, they are increasing debt amount every month on credit reports. I dont know if they have the authority to do so. I have no knowledge of this account. I am retired and on Social Security at this time. I want all collection activity to cease and desist and this account removed from all credit reports. 

According to the fair credit reporting Act Section 609 ( a ) ( 1 ) ( A ) you are required by a FEDERAL law to verify through the physical verification.