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

My Wife passed away on XX/XX/XXXX XXXX. She had a lease with BMW which was due to expire on XX/XX/XXXX. On XX/XX/XXXX I contacted BMW to make arrangements to end the lease and have the car returned. I was aske to supply documentation which included, copy of her death certificate, Copy of my drivers license and copy of her will which I faxed to them. after XXXX weeks I did not receive a response so I resent the documents via certified mail on XX/XX/XXXX. Again. No response, again I waited after noting they had let the mail sit at the post office until XX/XX/XXXX. I called the office again and was told they never received the documents. This is a lie as I have documentation to the contrary. After a heated conversation I was asked to send the documents via email which I did on XX/XX/XXXX. 
Again no response. On XX/XX/XXXX I went to the local BMW office, caused a scene and demanded they pick up the car and refund the {$450.00} payment they took from our checking account on XX/XX/XXXX. They still didn't pick up the car until XX/XX/XXXX. A full XXXX Weeks after contact with them on XX/XX/XXXX. They are still claiming they did not receive the documents and are refusing to talk to me to settle this case. I am turning to you as well as the XXXX  for help in resolving this issue and to re-coop the {$450.00} they charged our account in XXXX. It's difficult enough to find your way through the grief of loosing a spouse of XXXX  years, but to be treated this way by BMW is beyond inhumane. 
Thank you in advance to any help you can offer, Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal data was compromised in the Equifax hack that was reported in XXXX of 2017. I have n't yet been victim to identity theft, but the release of my financial details makes me susceptible to identity theft for the rest of my life. Equifax should be held accountable for collecting and releasing this personal information without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries and information in my report were inaccurate. By submitting letters to all three credit bureaus, I requested that they investigate and analyze my files. The fact that this material are still being circulated has an impact on my credit. As a result, the credit agency had nothing to do to remove the inaccurate information and inquiries stated below. 
EMPLOYER : XXXX Date Updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion about a public record they have listed, Bankruptcy. Transunion have it noted that XXXX XXXX verified the information. When contacting XXXX XXXX they have sent me a letter that my file has not been shared and they have n't provided any information. I also contacted the county clerk that the said bankruptcy was filed and they stated that they do n't verify any information with credit agency 's. Transunion is giving false information. 

Also under the new law effective XXXX XXXX 2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. The credit bureau has not updated the information and per the new law true Bankruptcy listed does not include the information and should be deleted from my credit report.
Product: Checking or savings account

Was supposed to receive a direct deposit on XX/XX/XXXX, did not receive deposit called was told it would be resolved first thing the next morning, still no deposit on XX/XX/XXXXXXXX XXXX XXXX XXXX was told now they trying to fix it as soon as possible. Let them know I need to feed my kids.
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 prevent and 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 error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. these actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Im genuinely alarmed by the sudden appearance of incorrect accounts on my credit report. This is the first time Ive encountered such an issue after routinely checking it. I tried refreshing the page, thinking it might be a browser problem, but the inaccurate information remained. This situation has me deeply concerned, and Im requesting a thorough review of the documents Ive submitted to ensure this never happens again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Here is the letter I sent on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Iowa XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

5. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

7. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

8. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

9. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

10. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 


12. The status is incorrect for the following account XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

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

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Experian for Fraudulent and XXXX XXXX XXXX XXXX Dear CFPB, I am writing to formally file a complaint against Experian for what I believe to be fraudulent, discriminatory, and unethical credit reporting practices that harm consumers, particularly minority groups. 
Recently, I observed that my XXXX XXXX dropped by over XXXX points, despite no changes to my credit report, no new accounts being added, and no inquiries being made. Upon reviewing my report, I found no explanation for this significant decrease. This sudden drop appears arbitrary and unsubstantiated. When I contacted Experian for clarification, their representatives were unable to provide a valid explanation for the change. 
This raises serious concerns about XXXX compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that consumer credit reports must be accurate and that consumers are entitled to a clear explanation of changes in their credit scores. By failing to provide transparency and accuracy, Experian is engaging in practices that I believe are fraudulent and harmful to consumers. 
Moreover, I have reason to believe that XXXX practices disproportionately XXXX XXXXXXXX XXXX, particularly XXXX and XXXX individuals, who are often unfairly targeted or penalized in credit reporting. This type of discriminatory treatment violates not only consumer protection laws but also anti-discrimination laws. 

XXXX negligence and potential bias in reporting are unacceptable. These practices are damaging to consumers financial well-being and trust in the credit reporting system. I request the CFPB to : XXXX. Investigate Experian for fraudulent and discriminatory credit reporting practices. 

XXXX. Mandate that Experian provide a detailed explanation of XXXX XXXX changes to consumers. 

XXXX. Ensure accountability by requiring compensation for affected consumers, including myself, for the harm caused by inaccurate reporting. 

XXXX. Enforce stronger oversight and penalties on Experian for repeated violations of consumer protection laws. 



XXXX actions not only harm individual consumers but also erode the integrity of the financial system. I urge the CFPB to take swift and decisive action to address these issues. 



Thank you for your attention to this matter. I look forward to your response
Product: Mortgage

On a previous complaint XXXX and Pentagon Federal Credit Union ( PENFED ) Response on XXXX XX/XX/XXXX relating to my VA Mortgage Application # XXXX which totally disagree with their response and filing a new complaint. 

PENFED states in their response they received my full executed real estate purchase contract dated XXXX XX/XX/XXXX not until XXXX XX/XX/XXXX. Moreover, PENFED delay in failure to in communication with customer ( XXXX XXXX ) who I honestly and truly believe they were derelict in their due diligence in processing my online loan application and income documentation to validate my application in a timely manner. Thus, directly and indirectly due to their processing time that led me of losing {$8000.00} which consisted of my down payment/ earnest money and due diligence on a real estate contract. 

Timely communication and due diligence from initial pre-approval letter, and the time it taken them to validate income with their online application taken over 10+ days which I believe is not consistent with industry standards before they notified the customers. 

On or about XXXX XX/XX/XXXX : Initial Application Submitted with Income Documents On or about XXXX XX/XX/XXXX : Customer Received Pre-Approval XXXX XX/XX/XXXX : XXXX XXXX ( Customer ) sent email to Loan Officer - Checking In on the process and how things are going ; also stating I made phone call without any return phone response XXXX XX/XX/XXXX : Email communication requesting additional documentation Again, I XXXX XXXX ( Customer ), was not notified until 7+ days after XXXX XX/XX/XXXX of them ( PENFED ) informing me any issues and concerns of my online application and income documentation - which I honestly and truly believe their decision regarding my debt-to-income ratio within 7 days upon my application. PENFED as a major financial institution timely communication failure, neglect, and their failure in due-diligence led to me forfeiting my down payment and due-diligence funds totally {$8000.00} and sign of inefficient corporate failure.
Product: Credit reporting, credit repair services, or other personal consumer reports

I explain to this company i had not inquired bout an application and this an unauthorized inquiry and i file a FTC theft number # XXXX but they failed to assit me
Product: Credit reporting or other personal consumer reports

Experian will not remove the following inquiries after requested, they has duplicates and they removed those but wont remove the other inquires that arent mine. U have been removed from the other bureaus but experian refuses to remove them : XX/XX/year> - 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 card

I am filing a complaint against Capital One. Due to inadequate customer service and unfair practice, which violates the Consumer Financial Protection Act. Specifically, Capital One failed to take timely and effective measures to prevent and 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 error results requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconveniences and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Intent to Sue under 15 USC 1681n and Non-compliance with 15 USC 1681i I write to you with a heavy heart and intense frustration due to the recent findings surrounding my account. I am writing this formal letter to notify you of my intent to initiate legal action against Total Visa for the violation of my consumer rights under 15 USC 1681n and 15 USC 1681i. Despite my diligent attempts to resolve these issues directly with your company, my efforts have been met with disregard and neglect. I find myself left with no other option but to seek legal counsel and involve the XXXX State Attorney General due to the continuous violations of my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed an unauthorized inquiry on it. This has hurt my chances of applying for a new credit. I demand that you remove this inquiry immediately. 
XXXX XXXX XX/XX/2023
Product: Credit card or prepaid card

I have had direct deposit to this account biweekly on fridays since XX/XX/XXXX. I have had overdraft availability since XX/XX/XXXX. On XX/XX/XXXX a transaction showed up on my account in error, showing a Charge Off debt of {$140.00}. Stating my account had been negative - {$140.00} for 90 days. That is impossible and not correct. I also received an email saying my overdraft had been Deactivated. I called cust service the next day and explained the situation and the rep said she fixed it and she turned my overdraft back on. It was fine until XX/XX/XXXX when I received another email saying my Overdraft had been Deactivated. And a transaction with Write Off recovery of {$140.00} showed in transactions. I called cust service over the next few days and was told several reasons that made no sense. But ultimately was told that yes, they see Ive had direct deposit to cover any negative balance within 14 days maximum. And that Ive never been negative longer than 14 days, if that. The account has several transactions and deposits showing activity the entire time since XX/XX/XXXX and during incorrect negative claim time period. However they refused to remove these incorrect transactions and told me my overdraft is suspended for 6 months because they dont like the way I use it and they have the right to take it away at any time with no notice.
Product: Money transfer, virtual currency, or money service

My car was a total loss after being involved in an accident. The XXXX XXXX gave Venmo as an option to receive funds to be paid to myself after the loan was paid off on my total loss car. Those funds were sent no issues. I paid a couple of small bills virtually and the majority is in my Venmo. Venmo froze it. No reason no explanation and no ways to solve this. I found out the account was frozen at the end of my transaction with a car dealership when about to make my down payment. I had no ride home I have no family here. I have no money available and all of this has been expressed to Venmo. They required ID verification which Ive provided XXXX  times. They still keep giving no reason why they wont release my money. Please please help!
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 we send a payment of ( XXXX $ ) from XXXX XXXX XXXX XXXX XXXX XXXX ) to XXXX ( XXXX XXXX XXXX ) and the Beneficiary in XXXX XXXX  said they didnt received the payment yet, and the XXXX XXXX XXXX XXXX XXXX said they send the payment and both side refused to give me any proof The intermediate bank was JP morgan and the reference number is ( XXXX )
Product: Credit reporting or other personal consumer reports

Per the FCRA as a federally protected consumer, I am now opting out of all authorization, I the consumer may have given you written, unwritten, verbal, and nonverbal per 15 USC 6802. Per the Privacy Act of 1974 ( Equifax ) ( XXXX ) ( XXXX ) ( Dept of ED/XXXX ) has my private information and gives it out without my permission. They also report late payments, which is illegal. It is illegal to report transaction history. It is also a violation of the Privacy Act of 1974. In accordance with the Fair Credit Reporting Act ( XXXX, Equifax, XXXX, and Dept of ED/XXXX  ) ) has violated my rights. 15 USC 1681 Section602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency ( Equifax, XXXX, XXXX, Dept of ED/XXXX  ) can not furnish an account without my written instruction or permission. 15 USC 1666B, Timing of payments. Also, as a consumer per 15 US code 1681n : Civil liability for willful noncompliance, In case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose actual damages sustained by consumer because of the failure or {$1000.00} whichever is .greater. These accounts are also considered fraud, per 5 USC 554a. These Fraud accounts are listed below as well as listed on my FTC Report that I have provided, and attached with this cover letter. There should be no late payments reporting to any of my accounts, Transaction history is illegal to post to a credit report. 15 USC Code 1681b Permissible purpose of consumer reports. Per 15 U.S.Code 1681c- Requirements relating to information contained in company reports. No adverse item besides the conviction or crimes should be on your report. Any item that is a derogatory mark is not allowed into consumer reports ; this is another violation. The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post- secondary school. 20 USC 1232g ( b ). 15 U.S. Code 1681 ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) A states 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. 15 U.S. Code 1681e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax, XXXX, XXXX, and Dept of ED/XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. I am opting out of your reporting services.
Product: Mortgage

Right as my chapter XXXX was ready to be dismissed, they filed a claim that I had not made a payment in over a year. They asked for Release from Stay and it was granted as my attorney did not file a motion to dismiss their motion. Their attorney stated to the Trustee that the lender would accept payments from us as long as we continued to make them. Of course, now the loan has transferred to a different lender who will not accept payments claiming we are too far behind. I have given proof of all my payments to my attorney who is supposedly working all of this out, but in the meantime, I have sent payment after payment and the mortgage company keeps sending them back. They did accept the first payment I sent to them in XXXX but said it was a mistake. XXXX mortgage companies even sent me address information to send payments to them and when I called and spoke to their customer service dept. in XXXX, they even offered to take payments over the phone. Now, they are stating that they never should have accepted payments or even offered to do so. They are playing off of each other and each company is contradicting what the other is saying. I have gotten XXXX different statements with XXXX different " past due '' balances and " due dates '', all of which are bogus. I have written a qualified written request asking for a complete account history beginning with the original creditor and they have not provided it. They did send me a history from the most recent company but only after me requesting it 3 times and it took them over 2 months to give me that. My account has been transferred 7 times since it originated in 2003 and it has been through numerous attorneys. There are too many account discrepancies to list on here, but they are claiming that I am too behind to catch up. Even my attorney told me that he sees this kind of stuff all the time and the mortgage companies strong arm the homeowners to fall behind even further by not accepting payments causing then to eventually be really delinquent. 
I have all the letter from the attorney and all of the returned checks. I am tired of the games they are playing. I also find it appalling that their attorney would lie to the Court stating in their written Motion that the lender would accept payments from me and then to find out that the lender had no intention to do so. 

I would personally like to see them fined for deceptive business practices and would love to eventually form a class to file suit against them and seek both civil and punitive damages.