23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I filed for XXXX  XXXX Bankruptcy in XXXX of XXXX and included my car loan I received through Capital One Auto Financing. The Bankruptcy Case Number for the state of Louisiana is 20-10445. The amount of the car loan at the time of filing was {$17000.00} ( {$17000.00} secured, and {$630.00} unsecured ). I paid the full {$17000.00} of the secured portion of the debt and I'd only paid {$110.00} of the {$630.00} balance before the case was dismissed at the beginning of XXXX due to non-payment. I lost my job in XXXX of XXXX and was not able to make the final payment of {$520.00} towards the unsecured portion of the car loan debt. 
I received a letter in the mail from Capital One stating I owed {$1600.00} towards the loan. I've attempted to call several times to resolve this issue. I spoke with XXXX, ID # CWI twice, once on XX/XX/XXXX and again on XX/XX/XXXX. During the conversation on XX/XX/XXXX, I informed XXXX that the amount they stated I owed was incorrect and that I could submit court documentation showing the correct amount owed on the vehicle. She said she would notate the account and forward my dispute to management and for me to call back on XX/XX/XXXX. I called back on the date requested ( which is today, as of the writing of this complaint ). XXXX appeared to have trouble finding the notated documentation and then explained that the amount of {$1600.00} but did not attempt to provide me with instructions to upload my documents to prove the correct amount. She said I couldn't speak to someone in management but that she would escalate my dispute to the resolution department. 
I refused the request to transfer me b/c at this time, I feel like I'm getting the run-around and that this company is making it difficult for me to resolve this issue so that I can receive the title for my vehicle. I am now working and fully prepared to pay the remaining balance of {$520.00} as owed but I refuse to pay a company {$1600.00} with no other documentation other than a letter that states it. I'm also feeling cautious because the representative I spoke to was reluctant to provide me instructions of how to properly file a dispute online and upload my court documentation to show the correct amount I owe. I honestly just want to resolve this matter as quickly as possible and obtain my car 's title. Please assist with helping me get this matter resolved. Thank you. 

The company 's information is listed below : Capital One Auto Finance XXXX XXXX XXXX XXXX, TX XXXX The number listed is XXXX An additional address at the bottom of the form is Capital One Auto Finance XXXX XXXX XXXX City of Industry, CA XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash at ( Block Inc. ) due to the inadequate customer, service and unfair procedures, which violates the Consumer Financial Protection Act CFPA, Specifically, Cash App failed to take timely and effective and efficient measures to prevent an address for all on their platform. Leaving my account vulnerable and Im protected as they claim that they provided. Furthermore, their dispute resolution process was unfair and deceptive. They did not comply with air resolution requirements under the Electronic fraud transfer act efta And regulation E, these actions have caused significant inconveniences in financial loss, and seek appropriate action for the violations
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information are being reported to my personal credit file. The Experian, XXXX and XXXX Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified inquiries without providing any proof required by law. Experian, XXXX and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( Block : inc ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically cash app failed to take timely and effective measures, to address fraud on their platform, leaving my account, vulnerable and unprotected. Furthermore, their dispute, resolution process, was unfair and deceptive. As they did not comply with the Electronic Fund Transfer Act, and Regulation E.

These actions have called significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. Please remove this ASAP.
Product: Debt collection

My mother, age XXXX, was contacted by DCM Services and informed they were trying to collect on a hospital bill regarding my deceased father. They told her she needed to agree to arbitration to settle the debt. 

They claim to be licensed in the state of Minnesota, but when I went to the Minnesota Department of Commerce and did a search for them using their name and license #, the portal could not locate them.
Product: Checking or savings account

Hi, Thanks for your help with this issue. 
We sent a wire transfer from bank of america to XXXX on XX/XX/XXXX for {$80000.00}. 
The amount was debited from our account and the wire was never sent nor was a reason for rejection or delay provided. 
As of XX/XX/XXXX, we have reached out to BOA representatives numerous times and they are not able to locate the payment and have not credited our account. 
Due to this we are not able to do payroll for over 25 XXXX. 

We need your help with resolving this issue please. 

Thanks.
Product: Credit reporting or other personal consumer reports

I retain a copy of my credit report from my free annual credit report and I seen an account on it that wasnt mine I was in the process of buying a home for me and my family its causing me great XXXX  because I cant obtain a home for me and my family
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, errors on my credit report
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Date : XX/XX/XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX Last 4 Digits Of Social Security Number : XXXX Phone number : XXXX Dear Dispute Department, I am writing to dispute some information on my EXPERIAN credit report. The following are the details of my dispute : Dispute 1 : Account Information : Account name : XXXX Phone number : ( XXXX ) XXXX Address : XXXX XXXX XXXX XXXX, DE XXXX Account number : XXXX This account and balance do not belong to me. I have already sent numerous disputes, an identity theft affidavit, a fraud report, and a police report regarding this urgent issue, but it has not been corrected yet. 

Dispute 2 : XXXX XXXX XXXX XXXX  Phone number : ( XXXX ) XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX These accounts and balances do not belong to me either. This is a case of identity theft/fraud, and I have already submitted all the necessary documents to rectify this issue multiple times. The balance listed on this account is incorrect and needs to be corrected. I have already reported this account as a result of identity theft. 

Thank you for taking the time to look into this matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2022 I noticed when checking my BOA visa account online that a transaction in the amount of {$15000.00} involving XXXX XXXX XXXX was posted on my account. No one called me to check on such a large charge amount to see if I had made it. I hadnt, it was someone using my card and identity to make this charge. I immediately called Bank of America fraud line to dispute the charge. The charge was removed while they investigated - some three weeks later the charge was reinstated and they told me I had made the charge.

I did NOT make this charge. I have no accounts with XXXX XXXX XXXX I would never make a charge in this amount. also, a charge of this size should have been approved by me. Yet no one from BOA called to verify if it was me making the charge. Subsequent to this, another attempt to illegally use my card happened when the thief tried to use stolen card to purchase an XXXX XXXX through XXXX, luckily XXXX called me and I was able to stop the transaction. 

Bank of America is violating the Fair Credit Billing Act, I reported the illegal activity immediately telling them that this purchase was not authorized and that it was fraud. I understand that I M liable for up to {$50.00} but no more. I want the fraudulent balance wiped off my account except for the {$50.00}. 

My complaint claim no. Is XXXX. 

Thank you for your assistance with this matter. 

Yours truly, XXXX XXXX
Product: Debt collection

XXXX I had a hospital visit at XXXX XXXX Hospital . The hospital did not submit and verify that I had 100 % coverage of medical insurance. Common Wealth Financial has just reported a {$1800.00} debt on my credit report. I never received one single bill regarding this for years! I would of gladly of spoke to their insurance agents and ensured they billed my insurance. I have call XXXX XXXX and they admit to their error, yet the claim is so old to discharge she stated. The claim was on XX/XX/2015. I even called my last employer and spoke to the HR to verify my insurance was ACTIVE. How am I penalized because of their billing department error? I paid a lot of money to be insured and do not deserve this debt that is clearly their fault. I never received 1 single bill or 1 single phone call from the company regarding this bill for 4 years. Only until it reached collection recently was I notified. This is completely wrong. I am a young adult with outstanding student loan debt. I am a XXXX XXXX XXXX XXXX and do not have an income to pay a debt that should have never been issued to me. Please help regarding this. My employer was XXXX  XXXX XXXX XXXX at this time. I had Medical Insurance and the biller failed to bill my insurance. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX XXXX and I am contacting you Regarding my credit reports at Equifax XXXX XXXX XXXX they are all reporting false balances on my credit cards and also fraudulently reporting that my XXXX is closed when it is opened and I want this problem fixed at once. These companies need to update my balances at once and also Adequately report accounts that are open because this false information that they have reported has dropped my score significantly to the point that me and my XXXX son are XXXX because of the issues with my credit score. I have contacted legal aide and with begin legal action because this has caused tremendous problems for me and my XXXX child. Please make these agencies correct this problem at once All credit cards on my credit report needs to be updated with correct balances also my XXXX credit card needs to be reported as open and in excellent standing please make them do this at once.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to inform you that there is 100 % improper use of the credit report. Attached to the XXXX! XXXX, XXXX, and EXPERIAN HAVE 1000 % VIOLATED THE FCRA, AND IM HIGHLY XXXX ABOUT THIS. I looked over the credit report and found some addresses that appear incorrect. Not only did I find addresses, but I ALSO FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! As instructed on your website, I've enclosed documentation providing proof of my current address, social security card, id passport, driver 's license, and bank statement. 
This is the final step BEFORE TAKING THIS INACCURATE, FRAUDULENT ACTIVITY IN FRONT OF A JUDGE. Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMERS CREDIT REPORT, and the information on the XXXX, XXXX, and EXPERIAN credit report isn't accurate AND ITS COMPLETE XXXX. I've spoken to a lawyer, and he told me that I COULD EASILY take THIS to court AND FINE XXXX, XXXX, and EXPERIAN {$1000.00} PER VIOLATION ( and there are many violations ). I DEMAND YOU, XXXX, XXXX, and EXPERIAN, TO REMOVE ALL OF THESE FRAUDULENT INCORRECT ACCOUNTS FROM THIS CREDIT REPORT WITHIN 24 HOURS OF RECEIVING THIS LETTER. YES, I WANT THE ENTIRE ACCOUNT FULLY WHIPPED OFF THE CREDIT REPORT WITH NO FRAUD REMARKS OR DISPUTE COMMENTS REMARKS LEFT ON THE CREDIT REPORT. 
IF THESE FRAUDULENT, INACCURATE ACCOUNTS DO NOT COME OFF THE CREDIT REPORT WITHIN 24 HOURS. THE LAWYER HANDLING THIS MATTER SAID HE WILL BE TAKING MASSIVE LEGAL ACTION AGAINST THE FOLLOWING CORPORATIONS FOR LETTING THIS HAPPEN : POTENTIAL LAWSUITS LIST : EXPERIAN, XXXX, and XXXX XXXX XXXX XXXX section XXXX A. XXXX 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 A Account Without My Written Instructions!! 
DELETE THIS ACCOUNT IMMEDIATELY FROM THE CREDIT REPORT UNLESS YOU WANT TO BE HELD FOR {$1000.00} PER VIOLATION!!!! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2023 TO MAKE THE DELETION PROCESS EASIER FOR YOU, ATTACHED IS A LIST OF THE INACCURATE ACCOUNTS THAT NEED TO BE TAKEN OFF THE CREDIT REPORT ASAP. AND FRAUDULENTLY REPORTED INQUIRIES THAT NEED TO BE TAKEN OFF ASAP. 
15 USC 1681C-2 STATES I HAVE THE RIGHT TO PRIVACY AND A BLOCK OF INFORMATION. AND I NEVER GAVE ANY COMPANY WRITTEN CONSENT TO ADD THIS INFORMATION TO MY CREDIT REPORT! DELETE IT IMMEDIATELY! 
Account Name-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN/XXXX XXXX5 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 A Account Without My Written Instructions!! 
DELETE THIS ACCOUNT IMMEDIATELY FROM THE CREDIT REPORT UNLESS YOU WANT TO BE HELD FOR {$1000.00} PE
Product: Credit reporting or other personal consumer reports

My student loan servicer reported that I owed XXXX when I only owed XXXX, effectively dropping my credit score by XXXX points. I need to move, so this drop in my credit score is significant. I have been extremely stressed out about this and have felt sick since seeing the incorrect charges on my credit report. My student loan servicer is Ed Financial.
Product: Credit reporting or other personal consumer reports

Equifax is reporting a negative account on my credit report that unequivocally does not belong to me. The XXXXXXXX XXXX account ending in XXXX is a fraudulent account with no connection to me. I demand the immediate removal of this account and its balance, as they are the result of identity theft. I have attached the removal letter and expect prompt action, given that I have requested this removal multiple times before.
Product: Credit reporting or other personal consumer reports

Subject : Dispute Regarding XXXXXXXX XXXX XXXX ( # XXXX ) To Whom It May Concern, I am writing to dispute the information being reported on my credit file regarding the XXXXXXXX XXXX XXXX account ( # XXXX ). The account is reported as a charge-off, yet there is still a balance being reported, which I believe to be inaccurate and in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and applicable state laws. 

Issue at Hand : 1. Request for 1099-C : I have previously contacted XXXX XXXX  XXXX  requesting a copy of Form 1099-C, which they are legally obligated to issue if the account has been charged off and the debt is considered canceled for tax purposes. To clarify, my request was not for verification of the account but for documentation proving the issuance of a 1099-C. Failure to provide this documentation raises serious questions about the accuracy and legitimacy of the reported balance. 
2. Reporting of a Balance Post-Charge-Off : Under the FCRA ( 15 U.S.C. 1681 et seq. ), creditors and furnishers of information must ensure the accuracy and completeness of the information they report to credit bureaus. Once an account is charged off and the creditor cancels the debt, the balance should no longer be reported as owed by the consumer. Reporting a balance after charging off the account constitutes a misleading practice and damages the accuracy of my credit report. 

Additionally, state laws may impose similar or stricter requirements on creditors to ensure the accuracy and fairness of their reporting practices. By continuing to report a balance without evidence of a 1099-C, XXXXXXXX XXXX XXXX may also be in violation of such laws. 

Requested Action : I respectfully request the following : 1. Immediate investigation into the accuracy of the information reported for this account.

2. Removal or correction of the account to reflect a {$0.00} balance if it has indeed been charged off and/or canceled.

3. Provision of proof that Form 1099-C was issued to the IRS and me, as required by federal tax regulations. 

Please consider this letter as my formal dispute under the FCRA. I request that the results of your investigation, along with any supporting documentation used in the verification process, be provided to me in writing within the time frame specified by law. 

Failure to comply with the requirements of the FCRA and applicable state laws could result in further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities. 

Thank you for your prompt attention to this matter.
Product: Debt collection

I am disputing the collection account with XXXX, linked to the original creditor XXXX XXXX ( I NEVER HAD A CAR FROM THEM ), account number XXXX, opened on XX/XX/2023, with a balance of {$5100.00}. It's deeply concerning that this agency has allegedly exposed my account information alongside personal details by selling it to other collections agencies. Additionally, I want to emphasize that this account is unverified and does not belong to me. Despite my efforts to resolve this issue by reaching out to XXXX XXXX, I have not received any resolution. I demand an immediate investigation into this matter and urge XXXX to cease any further dissemination of my personal information. I expect a prompt response and the removal of this erroneous information from my records.
Product: Bank account or service

My checking account with Capital One Bank was compromised in XX/XX/XXXX. I discovered there were fraudulent checks deposited through my mobile banking and then withdrawn. I contacted Capital One, filed a police report, signed an affidavit and my case was assigned to a fraud XXXX for Capital One. I spoke with her on a few occasions, sent all of the documentation to her. In following up, I was told that she could not contact or get any cooperation from the XXXX Dept and basically that because they took a loss, that I would have to take a loss for the money that I had in my account prior to the breach. Subsequently, I received XXXX calls from their collections department claiming that I owe them money for overdraft fees associated with my account. I explained to the agents both times that I had a fraud case, did not owe them any money and wanted to know who to get my money back. Each time they said, we will call you back and nothing. I then received a cancellation of debt XXXX for {$960.00} for XX/XX/XXXX. I have attempted several times to call the fraud XXXX and it goes straight to voicemail. I was treated as if I was the criminal and not the victim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to Equifax about a late payment form my XXXX account on my consumer report that according to the laws should not be reporting being that the late payment was not properly investigated by Equifax and proven to be late before they reported it.
Product: Money transfer, virtual currency, or money service

Cash app was illegal giving my information away and didnt have a live representative available for any customer support.
Product: Credit reporting or other personal consumer reports

My identity had been stolen many times, and I had to replace my first name with a new name, but it was not enough to keep my info safe. Still, I have an Open free account with XXXX XXXX XXXX, and I always receive XXXX XXXX Alerts and other Alerts from them, the last alert was about my Credit Card. My credit report shows that I have 5 inquiries that I have not authorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX
Product: Checking or savings account

I have deposited a total of {$1300.00} into Bank of America ATM # XXXX - XXXX XXXX, XXXX. The ATM only credited {$1000.00} and refused to accept {$6.00}. I am missing {$340.00}. Bank of America keeps sending from department to department with no resolution.