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

Regarding GM FINANCIAL Account Number XXXX XXXX XXXX XXXX 36 Month Lease @ {$440.00} per month. 
Vehicle was leased on XX/XX/XXXX thru XXXX XXXX XXXX XXXX XXXX XXXX, XXXX FL XXXX. 
After the lease term expired, I accepted two monthly extensions for which I paid {$440.00} each month. Unable to arrange for an agreeable lease on a new vehicle, I exercised my lease purchase option and forwarded the amount stipulated in the underlying lease document {$21000.00} to GM Financial Leasing ( my check # XXXX dated XXXX, XXXX ) at the address furnished in their related letter dated XX/XX/XXXX which is XXXX XXXX XXXX XXXX XXXX TX XXXX. I enclosed the required odometer notice and statement and requested that the title be released to Virginia XXXX XXXX and XXXX XXXX XXXX. I also enclosed a prepaid FedEx return envelope in the hope of expediting handling of the transaction. On XX/XX/XXXX, I received XXXX XXXX check for {$21000.00} with absolutely no cover letter or explanation whatsoever! In response to my telephone inquiry, I am informed that I must go to XXXX XXXX and payoff the lease! Of course, the dealership can then send the payoff back to GM Financial! In order to accommodate this FRAUDULENT CHARADE, I was forced to pay XXXX XXXX {$590.00} captioned as Predelivery Service Charge! Please note that the dealership did not have possession of my vehicle and simply filed out a vehicle buyers order and applied to the XXXX of Florida for issuance of a title which was subsequently issued on XX/XX/XXXX. Obviously, GM Financial orchestrates this scam in order enrich their dealer partners while simultaneously abrogating their responsibilities to their lessees! I ask for a thorough investigation into this matter which is symptomatic of a widespread fraudulent scheme against the public!
Product: Checking or savings account

I had asked them to waive the over draft fee caused on a holiday XXXX XXXX, they continue to tell me theyre unable too, knowing i get paid friday the over draft fees get taken care off they keep refusing to refund me the XXXX $ of over draft fee they charged on Items that were XXXX $
Product: Mortgage

you said that you need moor information on cassXXXX I called the number you put down to call I did and the man said ok that will be fin then hung up the number was XXXX if there is any thing moor all I can say is that chase said to stop paying them then would not work with us and XXXX XXXX XXXX  WONTED MOOR MONEY THEN WE COULD PAY and they would not work with us you can send them all the complaint 's you wont and all they will do is lie about it just like they have ben doing all a long
Product: Credit reporting or other personal consumer reports

Capital one and I had an arrangement way back around XXXX that I would pay XXXX a month until the debt was paid. Over some time phone numbers I no longer have have been still connected to the account. One of which was XXXX which was a sim that was in a device that was stolen in XXXX. I reported it to the police. Since as early as XX/XX/XXXX I finally got experian to remove that number but capital one still has it on my account including two devices I don't own. XXXX XXXX XXXX XXXX XXXX XXXX And still the XXXX number appears. I have told them this is fraud. Accordingly, they charged off my account in XX/XX/XXXX and said the paymrnys I had been making were not being applied. They did not put any fraud alert on the account and still are not being receptive. I have a police report now XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

Account name : XXXX XXXX XXXX  Status : Discharged Date Filed/Reported : XX/XX/year> XX/XX/year> Reference # : XXXX XXXX 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 a account without my written instructions.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information and other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681S-2 ( a ) ( 1 ) 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Based On, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that result from an alleged identity theft. not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identi theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which vid rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

Closed Account Names : XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

They started around the first of XXXX. They call saying they are from Discover Card and want to offer a savings rate for paying debts. I have told them I am already on a payment plan with Discover Card. I also tell them not to call again or add me to their do not call list. They continue to call several times a day. When I try to repeat that I am already on a payment plan and not to call again they hang up. They also try calling under another number.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/2019 I went check my credit report as I do monthly. I found 4 accounts from the same company. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, Pa XXXX. ( XXXX ) XXXX amount of {$340.00}. Second amount {$1100.00}. Third amount {$650.00}. Forth Amount {$220.00}. After reviewing my documents this matches. The same amounts from another creditor account already disputed and off my credit reports do to identity theft. The creditor company was called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oh XXXX. This company creditor have the same amounts due as above. This means that the creditor changed collection agencies. Still show amount due. From a different company with the same amounts due. Even when its identity theft.
Product: Credit reporting or other personal consumer reports

XXXX : ** Discrepancy in Credit Report and Unchanged credit score I am writing to bring to your attention a concerning issue with my credit report and credit score that I have observed across the XXXX major credit bureausXXXX  XXXX, and Equifax XXXX 

Despite making multiple on-time payments on my credit cards, my credit score has remained unchanged. This situation is perplexing as I have consistently managed my credit responsibly and expected my credit score to reflect these efforts. 

Additionally, I have a tradeline reported by a company named XXXX, which, according to XXXX, has been successfully reported. However, there seems to be a disconnect, as my credit score has not reflected any change. XXXX provided me with a case number for this issue : XXXX. 

I kindly request that you look into this matter as soon as possible. It is important that my credit report accurately reflects my financial activities, and any discrepancies be addressed promptly. 

Please let me know if there is any additional information you require from my end to resolve this issue. I appreciate your prompt attention to this matter and look forward to your response. 

Thank you for your assistance. 

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

XXXX XXXX CFPB closed it due to XXXX false response. This Debt was removed from XXXX and XXXX. I provided all the supporting documents per the FTC and they still came this false debt is mines. I am providing supporting documents again for the XXXX time. I will also be contacting small claims court as this has ruin my life and for me to get an apartment in California.
Product: Payday loan, title loan, or personal loan

This title loan was initiated in XXXX due to the death of my spouse 's XXXX XXXX XXXX XXXX XXXX. The veterinarian bill reached {$10000.00} and we have initiated loan assistance three times from Keep Your Home California, and received help twice. The last time was in XX/XX/XXXX due to hardship related to XXXX XXXX related expenses. 
The loan with XXXX, no matter what they have request as payment ( it changes monthly ), we also pay an increased amount of {$800.00}. The average decrease in our loan is barely $ XXXX {$250.00} per month and after paying on an approximately total loan amount of {$9000.00}, our loan still sits at {$7500.00}. 

My wife has a new XXXX XXXX and I have an XXXX XXXX XXXX ; we are both XXXX, XXXX, and I am a 10 % XXXX veteran ( still attempting to get help for XXXX XXXX related XXXX XXXX & XXXX  ). Because of this loan we have almost lost our home twice, have often gone without food so that we could feed our XXXX XXXX and XXXX. Our home is in need of repair and our automobile is a XXXX in need of repairs and new tires. We are at a loss as to how to pursue help to drop the interest on this loan. Thank you.
Product: Credit reporting or other personal consumer reports

XX/XX/year> My balance sheet for the month of XXXX is XXXX XXXX and the reflected balance is XXXXXXXX XXXX to XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my credit reports in early XX/XX/2021 and noted my TransUnion credit score is much lower than XXXX and XXXX. After further research I found an account with XXXX XXXX XXXX XXXX that only appears on my TransUnion credit report. The report shows a delinquent account in the amount of {$350.00} that was supposedly initiated in XX/XX/2021. I know I do not have any accounts through this company, nor do I have any accounts that are not in good standing. After conducting a XXXX search of this company I noted hundreds of people have this same issue with XXXX XXXX XXXX XXXX reporting fraudulent accounts to TransUnion ( XXXXXXXX XXXX XXXX, XXXX XXXX XXXX ). I initiated a dispute with TransUnion and received results from TransUnion today ( XX/XX/2021 ) stating the account is valid. This is simply untrue and is causing me to have to pay higher interest rates on accounts that I have. I need to have this removed from my credit report as I am seeking to make other purchases that will require my credit to be run.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX has fraudulent accounts that need to be removed immediately.
Product: Checking or savings account

In their reply to my CFPB complaint no. XXXX, Wells Fargo has made no effort to stop their discrimination against me and indicated that they will continue their discrimination against me and others who do not wear face masks. As it is now common knowledge that a virus is a protein fragment that is never alive ( and can not replicate or reproduce and is not contagious ) that your own body creates to clean toxins out of cells in your body, and that you can not catch a virus from the air or by touching anything ( including XXXX ), and that the only way you can get a virus created by another body is to have injected into your bloodstream. The Covid-19 has U.S. patent no. XXXX applied for in XXXX by XXXX XXXX, who after receiving the patent, then sold the patent to the pharmaceutical company XXXX. The vaccine for Covid-19 is XXXX Patent no. XXXX dated XXXX XXXX ( well before any reports of Covid-19 ). President Trump 's legal council XXXX XXXX found that the CDC 's XXXX XXXX XXXX in XXXX granted {$3.00} XXXX to the XXXX XXXX XXXX XXXX in XXXX. Also, it has now been shown that wearing a face mask reduces the percent of oxygen in the air being breathed in to far below the OSHA acceptable minimum of 19.5 %. Using OSHA approved ( calibrated ) Air Quality Monitors shows that wearing a face mask reduces the percent of oxygen in the air being breathed in to 17.4 percent or less resulting in physical health problems.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX Date of Birth : XX/XX/XXXX SSN : XXXX ( XXXX ) XXXX Date : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XXXX : XXXX Dear Sir/Madam : Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : Incorrect Name ( XXXX ) : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX Incorrect Address ( es ) : XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX, TX XXXX Correct Information to Be Reported : Full Name : XXXX XXXX Correct Date of Birth : XX/XX/XXXX Correct Social Security Number : XXXX Correct Address : XXXX XXXX XXXX XXXX XXXX Tx XXXX Current Employer : XXXX XXXX XXXX I have attached a copy of my government-issued identification and a utility bill to substantiate the accuracy of my correct personal information. This documentation should help expedite the verification and correction of the information in my report. 

Additionally, I believe that these informational errors may be affecting my credit score and could potentially result in unjust credit denials or misrepresentations of my identity, with the risk of associating me with fraudulent activities.

Request for Investigation and Procedures Pursuant to Section 611 ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ), I request a detailed summary of the procedures used to verify the accuracy of the information on my report. This summary should include all steps taken during the reinvestigation. 

Additional Request Please note that any automated response generated through the e-OSCAR system will be considered insufficient to resolve this dispute. I demand a thorough manual investigation and a personalized response addressing each of the points raised, in full compliance with applicable legal requirements. 
I also request that all phone numbers listed on my credit report be removed, as I have been a victim of unsolicited robocalls. Additionally, I would appreciate confirmation of receipt of this dispute and periodic updates on the status of the correction, using the mailing address provided above. 

Request for Correction I request that you promptly correct this information, as these errors can harm my credit history and misrepresent my identity. Pursuant to Section 611 of the FCRA, I request the removal of any inaccurate or negative information from my credit report, and I expect to receive an updated report reflecting these corrections within 30 days, as required by law. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

I have been calling every day since XX/XX/XXXX and ally has continuously lied to me and told me that they would fix my online access to my account so that I could pay off my car. But they have failed to and have continued to be a failure. Causing me to recieve a late payment on my credit, increased interest charges, late fees and they still do not know how to work the account. They are saying I have an active bank account and credit card with them which is incorrect and they continue to harrass me for a payment even know their online system does not work
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting 4 Late Payments ( XXXX, XXXX, XXXX, and XXXX when I was never late or even with that company. This was fixed but has reappeared on my XXXX report.
Product: Credit reporting or other personal consumer reports

Im submitted to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove any account listed on an ID theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXBalance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$630.00} XXXX XXXX  XXXX Balance Owed : {$2000.00} XXXX XXXX  XXXX Balance Owed : {$810.00}
Product: Student loan

On XX/XX/2017 I contacted NelNet via their website chat feature to ask what would happen if I made my monthly student loan payment early ; specifically, would the auto-debit still be deducted. I was informed that because it was an income-driven repayment plan, the auto-debit would not be deducted. I have a copy of this chat transcript. The amount in question is {$720.00}. Based on this advice, I went ahead and made my payment early. 
On XX/XX/2017 - I received an e-mail informing me that an auto-debit in the amount {$1200.00} would be coming out of my account on XX/XX/2017. This alarmed me, because I am used to payments in the {$720.00} range. I have a copy of this e-mail. 
On XX/XX/2017 I contacted NelNet via their chat feature. When I asked about the amount mentioned in the e-mail I was told it was an error and that I can could disregard it. I asked about the auto-debit being active. I was informed that an auto-debit will always be active, regardless of manual payments made previously in the month. This information is in direct contrast to the information received on XX/XX/2017. Based on this information, I went ahead and deactivated my auto-debit - as I do not want to make an additional payment - whether it be for {$720.00} or {$1200.00}. 
I am concerned about the accuracy of information I am receiving from NelNet - I do not believe I am being serviced with care - which of these " stories '' is accurate?
Product: Credit reporting or other personal consumer reports

This is my 23rd 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 Balance : {$100.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$690.00} XXXX XXXX Balance : {$690.00}
Product: Mortgage

Received a letter at my home, from Quality Loan Service Corporation dated XXXX/XXXX/2015, with the heading " Debt Validation Notice ". The pertinent sentences state, " The total amount of the debt currently owed is {$230.00}, XXXX. ", and " The current creditor to whom the debt/loan is owed is XXXX XXXX, XXXX. " I went today to the website of XXXX XXXX, and used the Look Up tool. The XXXX XXXX website states that XXXX XXXX owns my loan. This website also states that my loan ' s Note date is XXXX XXXX. 
Obviously, Quality Loan Service ' s statement is false - as to whom the current creditor is. 
I contest XXXX XXXX 's standing in any foreclosure proceedings, as it is not the owner of my loan. 
I contest Quality Loan Service 's standing as Foreclosure Trustee, in view of the false statement it made re whom owned my loan.
Product: Debt collection

Columbia Debt Recovery is attempting collecting a purchased debt in a state which they are not licensed to conduct business. According to XXXX XXXX XXXX upon searching " Columbia Debt Recovery LLC '' I have found that the company is not licensed to conduct business within the state of XXXX ( I have included a screenshot of the search results which show that they are only licensed within the states of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX. ) XXXX  state statute reads as follows, " XXXX of consumer collection agencies required ; exemptions. 
( XXXX ) After XX/XX/1994, no person shall engage in business in this state as a consumer collection agency or continue to do business in this state as a consumer collection agency without first registering in accordance with this part, and thereafter maintaining a valid registration. 
( XXXX ) Each consumer collection agency doing business in this state shall register with the office and renew such registration annually as set forth in s. XXXX. 
( XXXX ) A prospective registrant shall be entitled to be registered when registration information is complete on its face and the applicable registration fee has been paid ; however, the office may reject a registration submitted by a prospective registrant if the registrant or any principal of the registrant previously has held any professional license or state registration which was the subject of any suspension or revocation which has not been explained by the prospective registrant to the satisfaction of the office either in the registration information submitted initially or upon the subsequent written request of the office. In the event that an attempted registration is rejected by the office the prospective registrant shall be informed of the basis for rejection. ''
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act the creditor, XXXX XXXX  XXXX ), has violated my rights under 15 USC 1681 section 602, which sates eye have the rights to privacy. 15USC 1681 section 604 ( a ) section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under a open and consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017 {$25000.00} consolidated loan reported that doesnt add up to what was ever disbursed to me. Ive reached out to XXXX to investigate my account with no help. Also, they have reported incorrect balances amd late payment. I have no idea where these amounts are coming from. Ive reached out to my schools and to ger a copy of disbursements and billing to match with navient and it looks to be fraud.
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.