23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

In XX/XX/XXXX I signed up for an XXXX MasterCard because I was promised a {$50.00} statement credit after spending {$250.00} within the first month. It is now XX/XX/XXXX and I have still not received the credit even though I fulfilled the promotional rules. I have contacted them no less than 4 times about this issue and even have a transcript with a useless Customer service online representative promising to give me the credit. Still have received nothing. They fraudulently ran the promotion to gain more users.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please delete these accounts ASAP.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to property investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureau never did a proper investigation according to the FCRA for the account listed below XXXX XXXXXXXX XXXX Account # XXXX The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. This was not done. They have also violated my rights even more In accordance with the Fair Credit Reporting Everything must be 100 % accurate on my credit report. The Credit Bureaus stated this account was properly investigated and verified with XXXX and the US Bankruptcy courts but how is that possible when I have documentation from both sources that prove this information is inaccurate. This is the grounds for removal. They have violated the law because according to 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 an 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 adverse items of information, other than records of convictions of crimes which antedates the report more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I received a billing today from XXXX XXXX XXXX XXXX that indicates a bill for {$470.00} is past due. I have never applied for a credit card and the name that XXXX told me was XXXX XXXX that took out the card in my name and with my information. I do not owe this debt and I would also appreciate knowing how I can report credit card fraud on this individual.
Product: Credit reporting or other personal consumer reports

This morning, I noticed that incorrect accounts had appeared on my credit report, and I have no idea how they got there. As part of my routine, I checked my credit report, but this time, I found unexpected discrepancies. I even refreshed my browser, thinking it might be a technical issue, but the inaccuracies remained. Given this problem, I request a thorough review of the documents Ive submitted so that I can have peace of mind moving forward.
Product: Student loan

Ive tried to get them to remove the loans from my credit report I didnt receive any cash from them in 2015
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacting a XXXX representative on XX/XX/2021, about information on my credit reports that did not belong to me and start dates for the accounts were prior to my arrival in the US. 

The representative could not find my full name in their data system and was sending information out to me to fill out and for their fraud department to contact me. She gave me the ID # XXXX and I provided my address to receive the forms. 

No information was received but one of the accounts was removed and one still showing on my credit report with Experian.
Product: Checking or savings account

This complaint concerns a {$36.00} overdraft fee charged on XX/XX/XXXX. Previously, on XX/XX/XXXX, after experiencing an overdraft, I had explicitly requested that the bank disable the overdraft feature on my account. This was to ensure that any transactions exceeding my account balance would be declined rather than covered with an overdraft fee. Despite this, I was still charged an overdraft fee on XX/XX/XXXX. 

Upon contacting customer service, they confirmed my request to opt-out of the overdraft service and advised me to visit a branch for a fee refund. On XX/XX/XXXX, I went to the branch located at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX There, the senior banker initially declined my refund request without reviewing my account details. After I insisted on a review, the senior banker acknowledged my account settings but still refused to issue a refund. Unprofessionally, she suggested that I should close my account if I was unsatisfied with their service.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/14, credit inquiries were added to my credit report for what appears to be auto financing. The credit inquiries added were XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX Co, and XXXX XXXX. All inquiries except XXXX XXXX were reported to the Transunion XXXX. XXXX XXXX and XXXX XXXX were reported to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have been trying to get accounts that were opened in my name without my knowledge or permission for over 2 years and XXXX and Equifax refuse to remove/ investigate the accounts ... ..attached you will find police report and id theft affavaidt that was submitted involving accounts. XXXX and Equifax keep sending letters advising that they will not re-investigate these account which isn't right ... FTC Report # : XXXX the account that need to be removed are XXXX XXXX, XXXX, XXXXXXXX XXXX, XXXX XXXX and XXXX
Product: Mortgage

My mortgage was transferred to Mr Cooper effective XX/XX/2019. I made XXXX and XXXX payment. I sent up autopay with my bank for the XX/XX/2019 payment and due to a technical issue the XXXX payment did not get processed. I was unaware that the payment had not been sent. Upon notice that Mr Cooper had not received a payment I immediately sent the XXXX and the XXXX payment. I called Mr Cooper to see if I could resolve the situation and they said they didn't care if it was a bank problem or not and they were reporting the late payment to the credit agencies. This dropped my credit score 70 points and I am unable to refinance this property. The current rate is 6.875. 
Auto pay is working and there have been no late payment nor will there be. Since this occurred right have a transfer can this be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX. 
{$890.00} XXXX XXXX XXXX XXXX. 
{$450.00} XXXX XXXX XXXX XXXX. {$900.00} I see those account in my credit report those accounts are unauthorized I will like them to be removed removed immediately
Product: Money transfer, virtual currency, or money service

I tried on several different occasions where I had money charges with my account that I did not authorize or have any knowledge about charges being made. I tried to contact and speak with someone directly cash app has never had a support team to make contact with after several days after the payment went from pending to complete I would try to reach out again and no luck. They would further have me wait or at that point I needed to just talk to the company that took the charge. I would says over the course of almost XXXX years I would says XXXX dollars of charges that was not approved by me taken from my account.
Product: Money transfer, virtual currency, or money service

HI, PAYPAL. 

WOULD YOU PLEASE ENABLE THE OPTION FOR WITHDRAW MY FUNDS BECOUSE I WAS WAITING FOR ALONG TIME. 

OR IF I CAN GET MY ACCOUNT BACK I WILL APRECIATE YOUR HELP. 

MY FIRST COMPLAINT WAS XXXX you said my money are going be avaliable XX/XX/XXXX MY ACCOUNT IS XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Vehicle loan or lease

Wells Fargo reported a charge off on my credit report for a car that was totaled, I had GAP insurance to cover the full amount.
Product: Checking or savings account

On XX/XX/18 I had a negative balance of {$58.00}, I went on XX/XX/18 to clear the negative balance but the systems were down, I had to wait until XX/XX/18 to cash my check and pay the balance which brought my account positive approximately {$1.00}. I checked my account on XX/XX/18 and I had a negative balance of {$240.00} because the bank payed my XXXX payment {$230.00} when I had a balance of less than {$2.00}, then they also payed my XXXX XXXX of {$200.00}. All of these payments were set up to automatically pay when the funds are present. I have been a BBT customer for about 3 years now and whenever I had a bill come thru and the balance was not available it WAS NOT payed, now BBT had a major computer malfunction and somehow my bills were payed, now they are wanting me to be liable for these errors. I have signed a document stating that if the funds werent available I didnt want the vendor payed but somehow this does not translate over to payment arrangements setup thru my checking and routing number. I feel this is of a very predatory nature to pay my bills without monies being available and then hold my account ransom to pay back monies which were dispersed without a balance that would back them. I have spoken to representatives of the bank and they just want to pass it off and ultimately put this responsibility on me further affecting my finances in a negative manner.
Product: Debt collection

Nonsensical communications that was very harassing, with repeated communication after a verbal request to cease and desist.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inquiries on my account that I do not recognize. I got an email yesterday stating there was a hard inquiry to my account from XXXX XXXX XXXX done for a credit limit increase. As a consumer it is already difficult reading through fine print and credit jargon that comes with credit. XXXX XXXX XXXX makes it difficult to identify if credit limit increases will result in a hard inquiry or not. XXXX XXXX XXXX is known to display promotional banners on their website for eligible credit limit increases to credit worthy candidates that abruptly appear. When I applied for a credit limit increase I thought that was the case, and they pulled my credit history without my knowledge. They need to provide more emphasis whether or not their products will need a hard or soft inquiry. More transparency is needed. The not so knowledgeable credit seekers are the real victims here to at times misleading credit card issuers. I read there was an inquiry issue with Transunion during that year, XXXX, it may or not be related. The XXXX breach was what made me check my credit history. I have found these inquires that I dont remember applying for. 

Transunion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, DE XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXXXXXX XXXX : XXXX XXXX NA XXXX XXXX, XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX Finance Companies - non specific XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX : XXXX/XXXX/XXXX XXXX XXXXXXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX, NXXXX A I have tried calling but I do not have the power to influence them. In this day and age of hackers, auto logins for websites, scams, identity theft, and even family identity theft the public is at the mercy to these 3 giant credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax allowed my information to be stolen during a data breach reported on XXXX17
Product: Credit reporting, credit repair services, or other personal consumer reports

showing inaccurate information that balances are incorrect also showing inquires that are not mine XXXX XXXX  over charging on interest rates
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX are reporting incorrectly a collection in the amount of {$23000.00} on XXXX partial account number ****XXXX. ( Please see page 23 of the attached credit report. ) Number ( 1 ), this account is a business credit card account, and ( 2 ) this account should not be reporting at all on my 'personal ' credit report. Also, XXXX  and  XXXX are reporting incorrect information on the XXXX partial account number ****XXXX. This account as well should not be reporting on my credit report. ( Please see pages 3 and 4 of the attached credit report. ) This inaccurate and incorrect reporting is harming my credit score and these multiple line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this however, I have not been successful.
Product: Debt collection

This debt is based out of the state of California where the statute of limitations on any debt is 4 years. i incurred this debt before 2011 and the debt collector trying to collect only bought this accountXX/XX/XXXXof this year. This account is way past the expiration date and therefore i feel it is not a collectable account. attached are documentations showing that i have not lived in the state of california to incur this charge since 2011.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681i, which requires credit reporting agencies to conduct a reasonable investigation of disputed items. 

Affirm incorrectly reported my account XXXX late. I made XXXX payments for {$120.00}, totaling {$250.00} on XX/XX/year>. I contacted them immediately to dispute and they werent interested in my claim. They advised updates can take XXXX daysunacceptable. I've attached proof of payments. Clearly, Affirm did not process both payments, according to them. Their technical issue is not my fault. The account is now paid off ; the erroneous late payment needs to be removed immediately. 

I disputed with XXXX via phone and uploaded proof of timely payments. Today, they sent me a resolution closing stating Affirm certified their findings and the late payment would remain. Under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. 

Given the recent CFPB findings, I expect XXXX to handle this dispute with the upmost seriousness and compliance with legal standards.
Product: Vehicle loan or lease

In XXXX I was double charged for my truck payment. When I contacted Westlake financial they said they would try to money transfer it back into my account if not they would send me the double payment check via standard mail. Then 2 weeks later I reached out to them they said it didnt work. I asked to have the check resent. Then Once 8 business days had passed and I have not received the check in the mail, I called back and asked to have the check canceled and just applied to XXXX truck payment. The women told me no problem she just had to email the accounting department to have them do so. I would see it applied with 48 hours. That was Monday XX/XX/XXXX. Then on XX/XX/XXXX. ( The day my payment is due ) I received an email stating i am late on my payment. I have call numerous times asking to have it fixed and asking for a supervisor. Every time I was either told they do not have supervisors, or put on hold for hours at a time. Or just hung up on. Then today XX/XX/XXXX I called, finally was given to a floor lead person named indigo, she told me theres nothing they can do but send another email asking approval for them the send another check for the payment I was double charge. Which I could be denied for again. which will take 7-10 business days do them to start the process. but if I dont pay my payment within 8 days they are going to start charging me late fees if I dont pay it soon.
Product: Credit card

On XX/XX/XXXX I received a text message from capital one automated text asking if I authorized a {$100.00} payment from XXXX. I replied back no. On XX/XX/XXXX I received a text saying it was charged. Upon further investigation on my part capital one has been paying XXXX for 5 years with a card that has been expired since XXXX, that they have on file. I have not been using XXXX as I have no reason to. I rarely use my home laptop and when I do it is for XXXX projects. I called the fraud department on XX/XX/XXXX and spoke with a rep and a manager. After discussing the situation thoroughly, I learned that XXXX only has to charge the expired card and get rejections 5 times and on the sixth time the transaction will be approved. At the conclusion of this call I was told that all of the charges would be investigated. Apparently the investigation has already been concluded and the previous years charges were not removed. I have never been able to any type of credit nor debit card passed the expiration date and I do not believe that I should be responsible for Capital Ones faulty system. I filed a complaint with capital one 's complaint department and the XXXX XXXX XXXX I was told by capital one that master card would provide XXXX with new cards credit card numbers when customers cards expired. I do not think I should be liable for the following charges : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Each charge was XXXX. My interest rate is 28.15 % so each year the charges totaled XXXX. The total for XXXX years was {$1800.00}. I don't think I or any customer should be liable for charges to an expired card that master card and capital one authorize.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. 

This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : List of accounts to be deleted : XXXX XXXX XXXX The reporting of these account ( XXXX ) is/are violations of 15 USC 1681 , and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 

This makes your social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 

So, with that being said, with great power comes great responsibilities. It's really up to you how you want to use this information.
Product: Checking or savings account

A person named XXXX XXXX stole a check from my property made payable to a XXXX vendor called XXXX XXXX XXXX XXXX took the check and wrote his name after the words XXXX XXXX and deposited the check. My bank approved the check and XXXX XXXXXXXX XXXX bank approved it as well. XXXX XXXX proceeded to mobile deposit fake checks that were scanned copies with my account information and both my bank and his receiving banks cleared these checks, totaling $ XXXX of stolen funds. A police report was filed with detective XXXX XXXX in XXXX, XXXX XXXX XXXX was arrested and charged, and is currently incarcerated for the crimes. My bank only refunded me {$7000.00}. My bank was negligent in drawing money against my account in numerous ways. My bank was slow to offer protection and solutions, nor did they offer to. I had to initiate and push them to help me. My bank never detected the fraud or provided simple security measures against my account like my other bank accounts offer without me even needing to ask. My bank was slow to freeze my account, made mistakes in filing the affidavits, and was slow to assist me with opening a new checking account. The first check that initiated the fraudulent acts against my account commenced in mid XX/XX/XXXX. I contacted my bank a couple of weeks ago in mid XX/XX/XXXX requesting a response to the investigation and resolution that was far past the 90 days time frame for my bank to respond. My only response from my bank was that they never heard back from the banks that he deposited the fake checks with, which are XXXX XXXX  and XXXX XXXX. I have followed up relentlessly with my only point of contact that the bank provides me with, which is XXXX XXXX, the assistant manager at the XXXX XXXX XXXX branch of XXXX of XXXX. I have perpetually followed up via email about answers, resolutions, and investigations, only to usually be ignored or to never have any concrete response.