23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Im a Capital One customer who thought I held a high-interest account, but was tricked just like outlined in this article. XXXX XXXX XXXX I'm frankly embarrassed that I didn't catch my APY drop from ~1 % APY ( XXXX ) during a low interest rate period, to XXXX APY ( XXXX ) during a high interest rate and inflationary period. 

I feel this is a bait and switch by Capital One. They don't even offer the savings plan they put me in when they acquired my high yield savings account from ING.
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 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries. 

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

15 U.S.C 1681 Section XXXX 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 XXXX years. 

15 U.S.C. 1681s-2 ( 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

I am submitting this complaint regarding unauthorized inquiries on my credit report, which were processed without my consent. My personal information was compromised in data breaches in XXXX and XXXX, and I recently filed a fraud report regarding these unauthorized inquiries. Additionally, I have sent dispute letters to all three credit bureaus requesting the removal of these inquiries. 

Below are the unauthorized inquiries on my credit reports : TransUnion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 request that the CFPB investigate these unauthorized inquiries and ensure their removal from my credit reports. Given my history of identity theft, I also request additional safeguards to prevent future fraudulent activity. 

Thank you for your attention to this matter.
Product: Vehicle loan or lease

I am writing as a XXXX person of XXXX, who has been a loyal and diligent customer of the XXXX brand for nearly a decade. Despite an impeccable credit score of over 800 and a history of absolutely flawless financial conduct, I am compelled to address a deeply concerning issue that has arisen from my most recent leasing experience with XXXX XXXX and XXXX XXXX facilitated by your sales representative, XXXX XXXX XXXX 

My recent lease agreement, executed on XX/XX/XXXX, has not only subjected me to what I perceive as an adverse action but has also illuminated potential discriminatory practices in violation of the Equal Credit Opportunity Act ( ECOA ) and its implementation through Regulation B. Despite my exceptional credit history, I was presented with what I understand to be an atrocious money factor that resulted in an APR of approximately 10.8 %. When queried, XXXX XXXX informed me that this rate was set by XXXX and was immutable a statement that subsequent revelations have shown to be misleading at best. 

This practice of marking up the money factor, without clear and transparent reasoning, particularly in light of my impeccable creditworthiness and without regard to my longstanding loyalty to your brand, suggests a blatant disregard for the fair lending principles outlined in the ECOA and Regulation B. Furthermore, the absence of a legitimate rationale for this discrepancy, coupled with the misleading information provided by your representative, XXXX XXXX, raises serious questions about the integrity of your leasing process and the equitable treatment of customers, especially those of minority backgrounds. 

The implications of these actions extend beyond my individual case. They suggest a pattern of behavior that may affect other consumers of XXXX, potentially reflecting systemic issues within your organization 's approach to customer relations and compliance with federal lending laws. 

Therefore, I am requesting a thorough investigation into my current lease terms, specifically the determination of the money factor and its compliance with ECOA and Regulation B. Additionally, I urge you to review my previous leases for a XXXX XXXX  and a XXXXXXXX XXXX, both obtained through XXXX XXXX, where similar assertions regarding the non-negotiability of the money factor were made. This review should not only seek to rectify any injustices I may have faced but also ensure such practices are corrected moving forward to uphold the principles of fairness and equality. 

Your immediate attention to this matter is not only in the interest of rectifying a potentially unjust situation but also in reaffirming your commitment to ethical business practices and the legal obligations you hold under federal law. 

I await your prompt and comprehensive response.
Product: Credit reporting, credit repair services, or other personal consumer reports

this is my XXXX CFPB complaint about the addresses and names being inaccurate on my creit reports. I have sent several letters to XXXX XXXX and Transunion and they still have not been updated or removed. 

Transunion is reporting inaccurate name XXXX, XXXX and also reporting addresses that don't belong to me : XXXX XXXX XXXX XXXX XXXX, TX XXXX Experian is reporting addresses that do not belong to me : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  is reporting addresses that so not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX I want all names to be updated correctly and these addresses that I have never lived at deleted from XXXX XXXX and Transunion.
Product: Student loan

I have repeated asked NelNet to provide ALL information regarding my loan via mail from its inception in 2004 through today. I want to know all payments made, fees charged, interest charged, etc in chronological order.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has misreported my credit report. After I submitted a dispute my credit report dropped. I submitted another dispute and my credit report dropped again. Also, I was automatically signed up for a service I did not request call Equifax Core Credit. This service might be the issue as well. As of XX/XX/2023 my credit score has dropped from a XXXX to a XXXX just like that. In my Equifax account it stated my credit score dropped XXXX points, but in actuality it dropped XXXX points. I called Equifax and they said a bank reported a overdraft. I explained to Equifax that I never received any information from that bank ( which I never really use about an over draft ). Me purchasing gas 5 months ago should not cause my credit score to drop dramatically. I explained that Equifax math is off because XXXX, therefore my credit score drop is by 68 points. I paid the bank it's XXXX and today I look at my credit score it dropped from XXXX to XXXX after I placed another dispute and voiced my complaint. This drop is another XXXX points. I need help fixing this issue. Equifax is stating it is not them and I believe it is. This situation is negatively affecting things I am trying to do. Equifax admitted in XXXX of 2023 to errors in their credit reporting and this is when my issue started. I want my credit score put back to a XXXX and my positive credit added to that XXXX, which will raise my credit score to where it should be. I worked hard on achieving a high credit score and want my credit score restored to it's accuracy XXXX points from XX/XX/2023.
Product: Debt collection

This was a cellphone account that was canceled but XXXX delayed closing. Couldn't transport my number never activated. Reported to FCC, received XXXX bal letter XX/XX/2021 and return of charges fraudulently taken from my account. Collection Company recently reported on credit has dramatically changed my scores. Recorded conversations with XXXX last year and this year concerning this issue admitting their mistake. I've never received any bill for this and consider it to be FRAUD. I'm on SSI and my internet is covered by government program but billing is suspect. Please review! Previous billing is unavailable. I've disputed trade line with each bureau however after paying off most of my accounts and working to increase my score its ridiculous that an erroneous fraudulent company can be so nefarious and malicious. XXXX XXXX and this has caused undue harm. Please assist with XXXX and the bureaus! Thanks so much!
Product: Checking or savings account

I was charged the usurious and confiscatory overdraft fee of {$36.00}!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 Transunion and XXXX has my credit score dropping over 38 points for transunion and 48 points from XXXX There is no reason for these scores to drop that much within a short period of time Both companies can't give me a reason as to why. My on time payments is excellent my credit card usage is within the guidelines. I have had credit checks done because I bought and new car and I am in the process of buying a new home. I went on the transunion web site and they wanted me to sign up for a XXXX dollar a month monitoring plan. Now this company drops my credit score by 38 points for no apparent reason and then they want me to sign up for their credit monitoring plan please look in to this there is no reason why my credit scores drop that much. My credit score has always been in the mid 800 's now they dropped me from excellent to good and they can ; t explain it. These people have the sole power to impact your buying power XXXX Good TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX Excellent XXXX Updated XX/XX/2018 Calculated using XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed XX/XX/2016 Reporting of Bankruptcy court # XXXX, # XXXX, case # XXXX ( Experian ) Dismissed/Closed Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
The reporting of this hasnt been verified that it was furnished by the bankruptcy court system. It was actually furnished by XXXX XXXX. If within this investigation it is determined that it wasnt furnished via the properly lawfully process, which is the bankruptcy court itself, I would like to request that this reporting is removed from my credit file immediately. If not I will be forced to file for litigation in court to have this resolved.
Product: Debt collection

I recently pulled a copy of my credit report and noticed that there is a collection on my credit report. Its the only collection that I have and it does not have a number to contact the company. I also tried to XXXX the phone number and was not successful. I also tried to find the address and was unsuccessful. I am not sure how to find out information on what this is if I dont have a way to contact them.
Product: Checking or savings account

After filing a complaint with the CFPB yestereday, I connected one of my XXXX XXXX XXXX accounts to try to send my money to. Live Oak Bank once again blocked the ACH Transfer. I then connected one of my XXXXXXXX XXXX  accounts and tried to send a portion of my money to it and the Live Oak Bank website said the ACH went through. Live Oak Bank subsequently blocked the transfer even though the account has the exact same company name and personal information on it. Soon thereafter Live Oak Bank realized I filed the complaint like I informed them I was going to and retaliated by closing my account. I was notified via email and immediately tried to login to my Live Oak Bank account to verify the status of my funds. My login failed so I immediately called them to understand where my money was. They said they were sending it back to the account that I originally funded my Live Oak Bank account from and I immediately informed them that was impossible since the account was closed. They said everyone went home and they would call me in the morning. I called them first thing this morning and was forwarded to an employee named XXXX. He claimed they sent my money yesterday to the original funding account, so I asked for proof of the date and time the funds were sent and to what account. He refused to provide the requested information and told me if the original account was closed, the funds would be returned to Live Oak Bank and they would contact me. I again told him I would like proof this actually happened and offered asked that the funds be sent to the XXXX  account I connected yesterday.
Product: Credit card or prepaid card

This dispute is for the cleanliness of the house. I have contacted XXXX and Capital One. XXXX provided Capital one paperwork showing their cancellation policies timeline, which had nothing to do with the complaint. The complaint was that the house had not been properly cleaned. Furthermore, there wasn't a way to tell that the house wasn't not cleaned properly unless we went to actually see he house, so the cancellation document for the reservation before arriving is not relevant. I am attaching the document provided with the cleaning fee that must be paid before the booking to anyone that rents the property meaning the previous rents paid and what XXXX put on their website and what the owner has on their breakdown about cleanliness of their property. The pictures provided was taken the day we arrived. 

XXXX cleanliness is found on : XXXX XXXX XXXX XXXX XXXX XXXX XXXX % XXXX % XXXX
Product: Debt collection

Bank of america is reporting that I owe them over XXXX $ I remember that I applied for credit with this company and was granted a credit card for 2000 I received my card in the mail and activated the card.. 

Later the card was missing and I did not realize it, my spouse and i was making payments on the account thinking that one of us made the charges until one day we had a discussion about this card and noticed that neither one of us was making these charges I noticed the inaccurate reporting on the web and asked the company to start an investigation was mailed a letter letting me know that no fraud was occurred but I never told them what I was disputing. 

I am not sure how an investigation was complete without a statement from me saying what was being disputed I have been a victim of id thief and the company has been sent the report however the company has dismissed my concerns when it comes to this account
Product: Credit reporting or other personal consumer reports

I have asked for contract that I signed from them proof that the debt is my debt nothing I sent hours on the the phone and didnt get a response just more confusion and the run around now I want to take legal action with Equifax and XXXX XXXX, XXXX XXXX XXXX
Product: Debt collection

This occurred on Friday XX/XX/2022. Finance Systems of Toledo has contacted me about medical debt owed to a dentist. On more than one occasion, I told the debt collector ( XXXX XXXX ) that the amount owed is incorrect as I have already paid for the service but XXXX was still insisting I pay the entire amount he was billing me for, which included the amount I already paid. I have yet to receive an updated bill reflecting what I've already paid. Previously, I had asked XXXX what the amount of time I have before this is reported to the credit bureau and XXXX said he didn't know. I asked for a validation of the debt I owed and I was mailed information from the dentist that included protected health information which was sent in XXXX, prior to my knowledge of the debt collection. I contacted XXXX to let him know that this information is a HIPAA violation and my rights were violated when the agency obtained this information. XXXX said that that wasn't true and I must not want to pay my debt, which is the second time he has said that. I reiterated that the amount I'm being told to pay is incorrect and asked to speak with his supervisor. 

When I spoke with his supervisor, I relayed that my rights were violated by my private health information being given to an entity I did not give consent for my information to be disclosed to. His supervisor said if I didn't want my information being given out, I should just pay my bill on time ( a bill I've already paid ).
Product: Credit card or prepaid card

On XX/XX/2018 someone made an unauthorized fraudulent purchase at a XXXX XXXX in the state Illinois using my AMEX SERVE account number without the card physically there. The charge is currently on Hold. I contacted AMEX SERVE and they said they can not do anything until the charge actually goes thru.

By AMEX SERVE refusing to take action, they are telling me that they are OK with fraudulent activity and will accept this activity and do nothing.. 
They also stated they allow purchases to be made at a store without the card being physically present which is contradictory to their statements about fraud protection when you first sign up for the card. 
Also they stated that I would have to call back after the fraud has gone through before they can begin an investigation.
Product: Mortgage

I was notified by my insurance company that my policy was canceled on XX/XX/year>. We quoted a new policy and went through with it, upon further following up with our lender NEWREZ to get them to pay the amount from escrow they were told our account was a non escrow payment for insurance. I proceeded to call them on XX/XX/year> asking for payment, and told me the same thing submitted escrow analysis to make sure that i wasnt supposed to be an escrowed account. Told me it would take 3-5 days to hear something back, received a call today from insurance agent saying nothing has changed yet. So Im forced to pay 2 months up front to avoid another lapse in coverage due to my lenders careless actions. 

The lender has also placed hazard insurance on my property.
Product: Debt collection

On XX/XX/2019 they went into a bank account owned by me and took out money that my separated spouse owed in the amount of {$1600.00}. I have proved that the bank account was mine and he had no money going into the account and they are not willing to help me. I have spoke with them three times and told them he was on my bank account for our children.
Product: Credit card or prepaid card

Bottom line : $ XXXX was stolen from my Vanilla ( Visa ) gift card, without my knowledge. I never used the card so other than at the time of purchase, no-one had access to the card. It had an original balance of {$70.00}. Here are the details : A relative purchased the {$70.00} Vanilla gift card and gave it to me as a XXXX birthday gift. I do not know and never asked where she purchased the card. 
Unfortunately for me, I put the card on my dresser, it was covered up and I forgot about it for two years. I found the card recently, and in light of a similar gift card we gave to someone else whose balance had been fraudulently used up ( ref. Case # XXXX XXXX, I checked the balance on my gift card using the www.vanillagift.com website. 
I found that within a few weeks of when it had been purchased, and after I received it, two purchases were made on XXXX within an hour of each other. The two purchases were for about {$69.00} and change. 
I checked my own XXXX purchases for the two XXXX transactions specified on the website for that card on that date and found that I had not made either of those purchases. 
I also had NOT specified a pin to use for gas purchases or for online use. So I was surprised anyone was able to use it for online purchases. 
I contacted the number on the reverse of my card and spoke to someone who said they would send me a dispute form. I never received it. 
A week or so later I called the number on the reverse of my card and spoke to someone who said they would send me a dispute form within 24 hours. I never received that one either. 
In trying to get back online to the website, I was told that my gift card was invalid so that I was unable to get to the transaction information any longer. The second Customer Care person told me that once a card has been reported, they lock it out on the website. This is why I could no longer see the transactions associated with my card. 
I called again ( a third time ) and spoke with a Customer Service person named XXXX. She verified who I was, checked my email address twice to make sure it was correct. She then sent out a dispute form immediately ( she did not pass it off to someone else ) and I received it within 5 minutes. 
I completed the dispute form including this description, and all information they requested except for purchase receipts for the original card ( my relative no longer had it ) and the purchases made to the card ( I did not make those purchases so I have no receipts, physical or online ). I also sent a scan of both front and back of the gift card. 
I completed all of this and emailed it to the disputes department on XX/XX/2020. 
I was assigned a case number XXXX and was told I would receive a decision with in 90 days near the end of XXXX. 
On XX/XX/2020 I received an email containing a letter saying everything took place more than 60 days after some deadline and therefore they have no responsibility and closed the case. 
This decision is unacceptable. The companys security on their cards must be extremely poor that someone can get the card number without having the card and make online purchases with it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized credit inquiries on credit file.

Violation of 15 U.S. Code 1681b ( c ) & Violation of 15 U.S. Code 1681i Attached document has more details.