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

On XX/XX/XXXX - I applied for an auto loan at a local Car Dealership and I received a good loan. However, as is standard practice I agreed that the dealer could contact multiple lenders in order to obtain the best loan possible. 

Today is XX/XX/XXXX - seven months later and according to CFPB Auto loan applications submitted within a 14 - 45 day time period should be treated as " XXXX '' inquiry on the credit report of the applicant. 

I plan to submit an application for a mortgage Loan and I would like my Credit report inquiry to reflect or treated like I applied for " One '' Loan. My credit report is being negatively impacted because all XXXX inquires are shown and treated as XXXX different inquires which diminishes my overall credit score. 

XXXX lists XXXX inquires XXXX list XXXX inquires Transunion list XXXX inquries Thus, I am not being afforded the rights that I am entitled to under FDCRA - See the reference below : Ask CFPB Auto loans UPDATED XX/XX/XXXX What effect will shopping for an auto loan have on my credit? 

Shopping for the best deal on an auto loan will generally have little to no impact on your credit score ( s ). The benefit of shopping will far outweigh any impact on your credit. In some cases, applying for multiple loans over a long period of time can lower your credit score ( s ). Generally any requests or " inquiries '' by these lenders for your credit score ( s ) that took place within a time span ranging from 14 days to 45 days will only count as a single inquiry, depending on the credit scoring model used. You can minimize any negative impact to your credit by doing all of your shopping in a short amount of time. You could save hundreds or even thousands of dollars by shopping for the best rate and terms on a loan. 

For example, let 's say you are looking around for an auto loan and you authorize five lenders to check your credit score ( s ) within a 14 day time span. All those inquiries should count as XXXX inquiry. If you shop for a mortgage loan at the same time you are shopping for an auto loan, the shopping you do for those two loans should count as XXXX separate inquiries. 

And do n't worry about all those promotional offers for credit cards impacting your credit score ( s ). These promotional offers do not affect your credit score ( s ).
Product: Student loan

Parent loan assigned to AES, American Education Services. Unwilling to do a fair Income sensitive repayment plan. Another company, XXXX was able to, and payments are being made on the other loan and would like to also to make payments on their loan, but income sensitive plan was XXXX/ month. They stated no other options available., really!
Product: Credit reporting or other personal consumer reports

On or about XX/XX/year>, I requestedd a copy of my free annual consumer credit report/file/disclosure from TransUnion. I spoke with a Supervisor in the special Handling department requesting a copy of free annual consumer credit report/file/disclosure. I was told that She could not provide me a copy of the comsumer report and that I would have to obtain a copy from the legal department and speak with them to obtain a copy. She also informed me that I would receive a call within 2-3 days. I never received a call nor any communication from the legal dept. This is my third request from TransUnion and each request was denied. I have a right to receive a copy of my consumer credit file/report/disclosure. I am requesting a reason for the denial of providing my consumer/file/report/disclosure. My rights have been violated by TransUnion.
Product: Credit reporting or other personal consumer reports

CBNA is running my credit report for some unknown reasons
Product: Credit reporting or other personal consumer reports

Review attachments Dear Experian XXXX Assistance, I trust this letter finds you well. XXXX XXXX XXXX XXXX XXXX I am reaching out to address certain discrepancies identified in my credit reports, which I believe are in violation of the Fair Credit Reporting Act ( FCRA ). I view these discrepancies as an account of services rendered inadequately and seek rectification. 
Enclosed with this letter, you will find what I refer to as " Counts, '' each representing distinct instances where I believe Experian has fallen short of its obligations under the FCRA. For the sake of clarity, I will refer to these " Counts '' as individual line items on this invoice. Please review the attachments to this complaint in its entirety. 
Invoice for Rectification of Fair Credit Reporting Act ( FCRA ) Violations Count No. Description of Violation Invoice Amount 1 Negligent Noncompliance with 15 U.S. Code 1681a {$12000.00} 2 Negligent Noncompliance with FCRA - Adverse Information {$12000.00} XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I pd off my mortgage to Ocwen on XXXX/XXXX/2015, in payoff was added for escrow, butthere was escrow bal. taxes for XXXX had been pd. Now XXXX 2015 I have n't gottensatisfaction letter ; taxing agency has not gotten release of lein ; refund of escrowbalance & there is a derogatory comment on my credit score, even though I have n't been late in yrs. 
I have talked to them ; had ombudsman, now I 'm threatening them with legal action. 
I ca n't get anywhere w/them. Tax bills come due in XXXX & I 'm wondering what the hellwill happen. What a bunch of yaahoos.
Product: Debt collection

I am writing to formally dispute inaccurate information on my credit report as provided by Experian. My Experian XXXX ID is XXXX. After carefully reviewing my credit report, I have identified the following items that I believe to be false or unverifiable : XXXX. Account Name/Number : XXXX Date Reported : XX/XX/XXXX Inaccurate Information : This company reported that I owed XXXX conflicting amounts on the same day- {$2300.00} and {$4100.00}. I did not verify or authorize this information before it was added to my credit report, and it is incorrect. 

Account Name/Number : XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Inaccurate Information : This company reported an amount of {$10000.00} owed, with a separate balance of {$9700.00}. This report is false and unverified. 
Additionally, Experian has failed to address my previous attempts to dispute these inaccuracies, which has caused significant harm to my credit. I was not notified or given an opportunity to verify this information prior to it being added to my report, which I believe constitutes a breach of my rights under the Fair Credit Reporting Act ( FCRA ). 
Specifically, Section 605B of the FCRA prohibits the reporting of inaccurate information without proper verification or notice to the consumer. 

I am requesting the immediate removal of these inaccurate inquiries and reports from my credit file. Please investigate these items and provide me with the results of your investigation. If these items can not be verified, I expect them to be deleted promptly. 

I request that you complete your investigation within the 30-day timeframe required by law and provide me with written confirmation of the results. You may contact me at [ XXXX ].
Product: Debt collection

The first issue with XXXX XXXX XXXX  is in XX/XX/XXXX of XXXX. I got a phone call from a family member who lives XXXX hours away from me they had mail for me from XXXX XXXX courthouse. XXXX XXXX courthouse stated I had been served with papers and there was a default judgement made against me for medical debt. The first issue is I was never actually served papers, velow law lied about serving me papers to an address in XXXX XXXX in beginning of XXXX, which I have lived in XXXX XXXX Michigan since XXXX. I reached out to velow law firm requesting information regarding medical debt they claim I owe. It was all bills that should have been covered by my health insurance as I had XXXX XXXX as well as Michigan XXXX at time of service. I spoke with the hospital and cleared the situation with them, received explanation of benefit letters from my health insurance companies and received confirmation from the hospital that my account was adjusted. I sent proof of these documents to XXXX law and they still state I owe {$2000.00} and some change but will not tell me what for. I do not owe money on any of these bills! And to top that case off they filed this case in a county in which I do not live! My second issue with XXXX law is I was just served papers today on XX/XX/XXXX stating they are summoning me for {$3500.00} for trappers cove apartments. Stating they believe I live in XXXX XXXX Michigan. Mind you this was filed XX/XX/XXXX. I have been in communication with XXXX XXXX for almost a year now trying to figure out my previous case with them and have repeatedly told them my address here in XXXX XXXX, my correct address was on the papers for where the processor should serve me at, which means they knew my correct address but still proceeded to create a lawsuit in a county in where I have never lived before!! My drivers license or residential address has never once been associated with a XXXX XXXX address before. XXXX XXXX continues to lie about money I do not owe and will not provide me information regarding debt in which they say I owe. The incident from trappers cove apartments was filed back in XXXX of XXXX and was closed through the XXXX XXXX courthouse. How is this even legal for them to reopen a case that was closed XXXX years ago, thats double jeopardy? And to top it all off the staff at XXXX XXXX are extremely unprofessional and rude. Any time I try to call I do not get the answers I need, they do not respond to emails in a timely manner either. This place overall just needs to be put to a stop.
Product: Debt collection

I keep getting calls from different numbers harrasing me saying I need to pay Im already struggling financially and I have tried before making payments before but once it stopped due to hardship they keep harrassing me
Product: Checking or savings account

On XX/XX/06 I woke up to a text message saying my account with Citizens Bank was overdrawn. I looked at my bank app and there were two transactions that I didnt recognize from XXXX. The first one was for {$490.00}. The second one was for {$1500.00}. I hadnt received a text or email about suspicious activity or anything. They just allowed it to happen. I immediately called the bank after I saw these charges. I was told it would be 10 business days for the provisional credit to hit my account. I wasnt happy with that being that it didnt take 10 business days for my money to be taken. I was told that they would expedite the claim and the credit would be in my account in 1-2 business days which it never happened. I called everyday since the 6th and nothing. They dont care because its not their money. Today I was told that they denied the request to expedite the claim due to the nature of the claim. Im fed up and I just want my money back.
Product: Debt collection

I have received numerous of threatening voice mails from Midland Funding. And threats to sue me. And now they are serving me subpoenas.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I became aware of fraudulently opened accounts in my name on my credit report. As advised by an attorney, I immediately filed an FTC Identity Theft Report and a Police Report with the XXXX XXXX Police department. Per the FCRA section 605B, fraudulent information is to be blocked from a consumers credit report with a valid Identity Theft report, an assertion of identity theft, and a request to have these items removed, within 4 days of receipt by the credit bureau. Equifax received my documents on XX/XX/XXXX, and as of today the fraudulent items on my credit report have not been blocked, but Equifax has submitted a 30 day dispute to the credit bureaus which does not follow the FCRA Section 605B. I demand that Equifax follows the law and block these accounts from my credit report.
Product: Checking or savings account

My XXXX passed away in 2017 and I have been trying to close out the account. I have contacted the bank in Florida and their office in North Carolina to try and resolve the issue to no avail. I have sent all pertinent information as requested but it seems like they are sending me in circles.
Product: Checking or savings account

CFPB On XX/XX/XXXX, I tried to transfer {$2000.00} from my XXXX XXXX XXXX XXXX ( also known as XXXX, XXXX XXXX  number XXXX ) XXXX  account  to my Wise ( also known as XXXX XXXXXXXX XXXX XXXX, XXXX XXXX number XXXX ) checking account through XXXX. 

Unfortunately, the Wise account information listed XXXX things called Account number. I figured out later that one was for XXXX and XXXX was for XXXX. Since they both were just called Account number, I chose the wrong one. When my transfer didnt show up after a week, I started contacting both banks, each of which told me that there was nothing they could do and that I should contact the other bank. Its been XXXX months. 

XXXX attempted to contact Wise and nothing came of it. XXXX provided me a proof of payment with Dates, Destination routing and account numbers, and a trace number. I sent these to Wise over a month ago. I had attempted a smaller transfer a few days earlier that ended up getting returning. XXXX told me : You can contact Wise and provide them with the destination account number and routing number so they can use the trace number to locate it. You can also mention that you transferred to it on XX/XX/XXXX and it was returned for account frozen. The XX/XX/XXXX amount was sent next and it was delivered successfully. That indicates the account was unfrozen between XX/XX/XXXX and XX/XX/XXXX. 

So XXXX confirmed that the money got transferred successfully to Wises routing number. 

The most recent email from Wise after yet another week or more of delay says : Since the funds are being sent from your XXXX bank, and the recipient details are incorrect, Wise will never receive the funds. Because of this, we can't trace them, nor can we trace incoming payments that would arrive to us otherwise. 

Since I correctly used their routing number, as confirmed by XXXX, it seems unlikely that they were not the ones to receive the funds. This directly contradicts what I was told by XXXX. Nobody can find the money. 

My understanding of the friction and delays in the XXXX system is exactly to allow honest mistakes like this to be reversed.
Product: Credit reporting or other personal consumer reports

I am writing to convey my ongoing concern regarding erroneous late payment entries on my credit report. Despite multiple requests for resolution, this issue remains uncorrected. I want to stress that these late payment entries are inaccurately recorded, and I have provided substantial evidence confirming my consistent and timely payments to XXXX XXXX XXXX XXXX XXXX XXXX Despite my previous attempts to rectify this matter and the supporting documentation I have submitted, the incorrect late payment entries continue to appear on my credit report. I kindly request that you take the necessary steps to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that these accounts are corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act has Capital One 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 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1666B states a creditor may not treat a payment on a credit card account under an open-end consumer plan late for any purpose
Product: Money transfer, virtual currency, or money service

I XXXX  and do XXXX XXXX and XXXX for an XXXX XXXX XXXX for a startup founders they arranged to pay me by XXXX transfers from all of partners, after 20 days one of the members just got claim for unauthorized transaction and claim my money back without make arrangements with their former partners
Product: Debt collection

Google has sent me multiple emails on a debit card debt. I have notified google through email that I have filed for chapter XXXX bankruptcy, however, they keep sending me collection notices and violated the automatic stay rule. I suffer from XXXX and they have aggravated my condition. 


Case # XXXX ( Chapter XXXX ) Title XXXX XXXX XXXX Filed XXXX/XXXX/2016 Judge XXXX XXXX XXXX Original Chapter XXXX Vol / XXXX XXXX XXXX XXXX XXXX Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX P : ( XXXX ) XXXX F : ( XXXX ) XXXX E : XXXXXXXXXXXX XXXXXXXXXXXX XXXX ( XXXX hours ago ) to me Hello XXXX XXXX , You have - {$390.00} in your Wallet Balance. 

In order to continue using Google Wallet to make purchases and send money to friends and family, you 'll need to add money and settle your negative balance. 

To settle your negative balance on the desktop site : Sign in to your account at XXXX. 
Click on Settle Balance in the top yellow banner or in the left bar under your current Wallet Balance. 
Choose a payment method from the drop-down menu. 
Click on Settle Balance to complete your payment. 
To settle your negative balance in the app : Open the Google Wallet mobile app. 
Go to the navigation menu on the left. 
Tap on Wallet Card & Balance. 
Tap on Settle Wallet Balance. 
Review the confirmation and tap on Add money. 
Thanks for your quick attention to this and for using Google Wallet. If you have further questions or need help, please visit our Help Center or contact us at XXXXXXXXXXXX. 

The Google Wallet Team ( C ) 2016 Google Inc. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX You have received this mandatory email service announcement to update you about important changes to your Google Wallet account.
Product: Credit card

Fraud in the amount of {$420.00} was discovered in XX/XX/XXXX statement on my Discover Business card XXXX XXXX XXXX XXXX. 

Discover credited my account {$420.00} as indicated in XX/XX/XXXX statement. 

In XX/XX/XXXX statement, a transfer balance of {$520.00} appeared on XX/XX/XXXX. When I inquired about this charge, I was told that a mistake had been made and would be corrected but never was. Since Discover would not correct this error, I decided to withhold payment in XXXX and XXXX. My account was then closed and my credit rating was lowered. 

Two weeks ago I talked to the Discover Business fraud department about this matter and was told that a mistake was made on the {$520.00} transfer balance and they would send me a check for the {$420.00} fraud charge. To date, I have not received a check. We did pay off the balance of the account last month. I have been a loyal customer since XXXX and have always paid my statement balance off each month.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company, XXXX XXXX, failed to notify us that their automated system failed to work because they sent our monthly statements to some address in XXXX, not our address ( XXXX XXXX XXXX XXXX XXXX MI XXXX. As a consequence, we were not even informed that their automated payment system failed. 

This complaint differs from XXXX - which is based upon their automated payment system not working. This complaint is that XXXX changed the mailing address we gave them ( above ) to some address in XXXX. After some investigation, it appears that someone who shares my name put in a change of address form with the USPS and that XXXX has some kind of automated system for culling such change of address information. As a consequence, XXXX stopped sending us monthly notices. Therefore, we had no way of knowing that their system failed ( until we reviewed our bank statement at the beginning of the following month ). 

Their assertion that they 'correctly reported a late payment ' is FALSE.
Product: Payday loan, title loan, or personal loan

On Monday, XX/XX/2023 I submitted an application to American First Finance company for an extension of credit to XXXX XXXXs located in XXXX, CA. That request was denied with a notice of adverse action without proper explanation for the reason. 

Under the Truth in Lending Act and the Fair Credit Reporting Act, I'd like to request a written disclosure and the reasons for the denial of the application. Thank you.
Product: Credit card or prepaid card

I opened my new Citi Checking and Saving account on XXXX with promotion offer ( Deposit {$15000.00} or more New-to-Citi funds and keep 60 days to receive {$300.00} new account bonus ). 

I finished all terms by XXXX but never receive my {$300.00} bonus until I submit inquiry to Citi on XXXX. Citi responded in letter that partial of my {$15000.00} deposit is from XXXX Credits are not considered a qualifying deposit. 
The explanations from Citi is totally not acceptable. First of all, their terms only states deposit {$15000.00} or more of New-To-Citi funds. My XXXX transfer is from XXXX XXXX, which is definitely a New-To-Citi Deposit funds. Secondly, their terms never mentioned to exclude the instant deposit like XXXX from New-To-Citi deposit activities. 

Citi should honor my bonus and deposit to my account right away.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of the collection account reported by XXXX XXXX XXXX on my credit report. Under the provisions of the XXXX XXXX ( 15 USC 6802 ), financial institutions and debt collectors are required to maintain strict standards for safeguarding personal information and ensuring accuracy when reporting to credit bureaus. XXXX XXXX XXXX has failed to demonstrate sufficient proof of both the legitimacy and accuracy of this debt, and I believe that the collection account is being reported in violation of these protections. As per 15 USC 6802, any entity that reports or transmits consumer data is bound to follow appropriate procedures for ensuring the accuracy of such information. Given that XXXX XXXX XXXX has not provided verifiable documentation or clear evidence of this debt being valid, I am requesting that this item be removed from my credit report due to the lack of sufficient proof supporting its accuracy and legitimacy. There is no way for this to come back as verified so please delete. I am not liable for this debt with XXXX XXXX XXXX. I do not have a contract with XXXX XXXX XXXX and they did not provide me with the original contract as I requested with my wet signature and ID verification. Since they can not provide this, there is no way this can be verified so please delete.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion previously responded to my identity theft complaint and violated my rights by not deleting the items that I have identified as items resulting from identity theft.

15 USC 1681 d-2, states that a consumer report excludes information solely as to transactions or experiences between the consumer and the person making the report 15 USC 1681 e, states that an investigative consumer report shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
15 U.S.C. 1681 States that consumer reporting agencies are required to ensure that the needs of the consumer are met in a way that is fair and equitable in terms of confidentiality.