23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

I negotiated a settlement on my personal loan with OneMain Financial in XXXX of XXXX for a lower amount than what was owed on my account. OneMain accepted my payment and released the title of my vehicle that was used as collateral. I received my title and expected that the loan was settled as I was informed by OneMain. Two years later, I started to receive statements in the mail that notified me that I still owe money on the loan that was settled and that I was late on payments.

I immediately called OneMain in XX/XX/XXXX and reached XXXX XXXX at ext. XXXX at which I explained the situation and he informed me over the phone that it was a mistake and that the loan was in fact settled and that he would inform the settlement department to send a letter to confirm and remove the account from my credit report. Two weeks went by and I did not receive the letter or confirmation that the account and late payments were removed. I called again and spoke to XXXX 's superior where he informed me that they do not have record of the settlement and that I could settle the debt for {$4500.00}. Again, I settled the debt, received the title to my vehicle and do not owe anything on this loan.

To date, One Main has not removed this account and it is now affecting my credit score with late payments on a loan that I no longer have with them.
Product: Debt collection

I am being double billed for my XXXX XXXX XXXX deductible. 

Originally, I paid the 2023 deductible of {$220.00} when XXXX XXXX were dispensed to me on XX/XX/2023. Paid via a credit card. 

I am now being billed again for the XXXX XXXX XXXX deductible for clinic/doctor services provided through the clinic. 

I have had 11 phone conversations with patient financial services from XX/XX/XXXX through XX/XX/2023. Additionally I have sent written communication via USPS three times in XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going over my credit report with my lender when we discovered account that I never opened that where fraudulent. I have never applied for the following account : XXXX XXXX # XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX  # XXXX, XXXX/XXXX-XXXX  # XXXX, XXXX XXXX XXXXXXXX XXXX XXXX. I am not sure what else to do at this point. I have file a report with the 3 credit Bureaus and FTC. I need this resolved asap I am trying to buy a Home in the next 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX, has violated my rights. 

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
Product: Money transfer, virtual currency, or money service

I opened my account on XX/XX/21 and submitted all necessary documents needed to open the account. Gemini accepted my deposits and allowed me to purchase Bitcoin on three separate occasions which I have attached the transaction history. When I noticed the price of Bitcoin going up I wanted to withdrawal my profit but I then found out that I was not yet verified even though I was able to purchase Bitcoin. It has been a month and I have sent multiple emails to Gemini support and have gotten no response.
Product: Credit reporting or other personal consumer reports

My birth certificate had been taken along with some other things at a storage facility. I also have been the victim of several data breaches such as XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Trans Union XXXX XXXX, XXXX XXXX XXXX and several other that XXXX XXXX has made me aware of. The following unknown charges appear of my various credit reports. 

XXXXXXXX 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$0.00} ( I have no children born in or live in TN ) XXXX XXXX XXXX XXXX {$35000.00} ( This has been paid for years )
Product: Credit reporting or other personal consumer reports

NOT MINE OR NO KNOWLEDGE OF ACCOUNT I am not liable for this debt with XXXX XXXXXXXX XXXX XXXXXXXX, I do not have a contract with XXXX XXXX XXXX XXXX, they did not provide me with the original contract as requested
Product: Mortgage

We became current with Our mortgage in XXXX 2014 till present Ocwen who currently has the loan is reporting to credit bureau 's that We are behind. Ocwen has been receiving monthly payments keeping some and returning some to keep the mortgage in a delinquent status previous complaint was file and We did n't respond because We did n't receive correspondence to dispute that there has been no resolution to matter and just found out about a case number this morning which isXXXXXXXX from speaking with a representative, We request a new complaint to be filed with supporting documents previously submitted from complaint filed from above mentioned case number.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The XXXX and TransUnion Credit Reporting Agencies have not complied with the Fair Credit ReportingAct, 15 USC Section 1681i, and continue to report unverified information without providing any proof required by law. XXXX and TransUnion have failed to properly identify and provide any within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized my credit to be accessed. They have failed to provide me with 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
Product: Vehicle loan or lease

I called into to talk to capital one about a possible payment plan since I had made a large payment on the account and I was hoping I could be elgible for payment plan now. They told me they could not even look at options wihtout me making a payment. I told them I could next week when I was paid and they told me they could not help me or even discuss without a full payment. I explained how my Husband on the loan with me ( XXXX XXXX is out of work and is being seen for mental health issues and I can affod the vehicle if I could just get current. The last time I called in the said the same thing I needed to make a payment and now that I did, I was thinking I would be able to be put on a plan. But still no.. 

Now I find out Capital one returned my payment, and my bank charged me a stop payment fee. The payment was tried again by my bank but now my bank account is overdrawn with the fee.. I am hoping tomorrow I can have my bank fix the fee to bring my account current but why would capital one stop my payment after they insisted I needed to make another. 

I also have no idea what my account status is, when I log in all it tells me is I need to call in, when I did on Friday XXXX, the rep still didn't tell me just the dollar amount and that I needed to make at least one payment. I am at a loss and need my vehicle to work and if I do not have it I will not have an income.
Product: Vehicle loan or lease

On XX/XX/2018 the tractor that I had leased with Cresco Capital broke down on XXXX, XXXX bound to XXXX , Tn. I had the truck towed to a local company there. ( XXXX XXXX XXXX of XXXX Tn ) however, after the diaqnosis, they found problems with the DEF system and mentioned to repair it would be {$14000.00} which they would need half upfront to start the job. therefore, I mentioned this to the lease company and they said I would be responsible for all repairs. Afterwards, I fronted {$7300.00} and as they started to do the work they found addtional problems which meant additional cost. after estimates came back to the tune of {$16000.00} I again reached out the lease company explaining that I was willing to front as much as {$15000.00} toward the repairs minus the initial cost and ask if they could assist me in any way, which they refused. So I contacted the repair shop and ask if they had any credit applications for in house financing for repairs and they said yes and before I could get the application back to the company, the truck had been repossessed and placed derogatively on my credit.
Product: Credit card or prepaid card

Bank of America platinum credit card {$100.00} air fare is not Refund On XXXX / XXXX, I bought a seat fee for spirit Airlines XXXX Dollar and I have not Refund it until now When I applied for a credit card, the welfare plan specifically stated reimbursement of {$100.00}, seating fees Didn't tell me which airline wasn't included
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system having user vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

Accounts for XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX  were under my name but being used and paid by my ex and when we split in 2021 he told me he was still paying but lied and I didnt know until accounts started to be charged off reflecting my credit and I as a single mother did not have the money to resolve the debts he left me with due to his negligence
Product: Credit reporting or other personal consumer reports

XXXX is in violation of the settlement agreement for the identified predatory loan. They were supposed to clear my credit report of derogatory marks related and wipe my it off due to being identified as a predatory loan. They have now moved back to their previous tactics of reporting and updating my status as late payments for a charged off account and harassing me via phone and email. 

I am writing to formally notify you that XXXX XXXX XXXX XXXX ongoing notifications and listing of repossession of my vehicle, associated with Loan/Account Number [ XXXX ], is in direct violation of the settlement agreement in the case of *People v. 
XXXX XXXX XXXX XXXX, finalized in XX/XX/XXXX. 
Based on the terms of the settlement, particularly as outlined in paragraphs 10, 11, and 12 of the agreement, XXXX is required to provide certain consumer relief, including : - **Paragraph 10** : XXXX shall not repossess vehicles for consumers who had a loss forecasting score of XXXX or less and had defaulted without having their vehicle repossessed as of XX/XX/XXXX. 
- **Paragraph 11** : XXXX is obligated to waive the deficiency on loans it owns for Mandatory Relief Consumers , including those with a loss forecasting score of XXXX or less. 
- **Paragraph 12** : A moratorium on collecting or selling certain consumers loans is in place, specifically regarding Deficiency Relief Consumers. 
As a participant in this settlement, I believe my attempted vehicles repossession is in violation of these specific provisions. I request an immediate review of my account and the situation, with a corrective action to remove degrading marks from my credit and ongoing updates to further sully my credit score.
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 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 Electric Fund Transfer Act ( EFTA ) and Regulation E. These actions have cause 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 sent in multiple letters ( give a date that is back dated about 60-90 days ) addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action.

15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liabilit
Product: Debt collection

On my credit report for equifax XXXX XXXX, & XXXX its stating that I owe {$500.00} to a credit union in Wisconsin. I never opened any accounts. How can I be late if I never agreed to pay any payments. Also how can I be late if the debt isnt mine? I sent in dispute letter in XX/XX/XXXX. 2022 to delete also incorrect addresses and number on file. Havent heard anything back. I called by phone XX/XX/XXXX to remove items off my credit profile due to violating 15 U.S.C 1681 ( a ) 3-4 and 15 U.S.C 1681b ( a ). They still didnt remove items for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX  ACCOUNT # XXXX, XXXX XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX account XXXX XXXX, XXXX, XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX  account # 's XXXX, XXXX, XXXX XXXXXXXX XXXX account XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX  account # 's XXXX, XXXX, XXXX, XXXX, XXXX XXXX account # XXXX, XXXX ACCOUNT # XXXX, XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX  XXXX ACCOUNT #, XXXX XXXX XXXX XXXX ACCOUNT #, XXXX, XXXX XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX, XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXXXXXX ACCOUNT # XXXX, has violated my XXXXights.

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 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 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 11 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Company 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX 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 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 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. Also, this inaccurate personal informations : XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, CA XXXX, and XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX Please delete these items ASAP.
Product: Vehicle loan or lease

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Debt collection

I have received phone calls daily from all hours of the day on my cell phone, and then my house phone, and then my mothers cell phone. And then my father cell phone all over a debt that was handled in a court case from an apartment that I moved out of over three years ago.this company procollect has harassed us to the point where we have changed our phone numbers and they still continue to call us every day. And when we block their number they change numbers and continue to call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received Several copies of my XXXX report which reflects no bankruptcy being reported yet Experian claims the XXXX verified the bankruptcy they are reporting so i am requesting and investigation into why and where the mix up is and why i would like the data furnisher XXXX to communicate with Experian to have this situation rectified asap
Product: Money transfer, virtual currency, or money service

Dear Sir or Madam, Not only do I wish to file ANOTHER complaint against Wells Fargo, if the CFPB refuses to help me, I would also like to file a complaint against the CFPB for blindly taking Wells Fargo 's side and not doing its due diligence in investigating and rectifying this matter. 

Facts : 1. Mr. XXXX XXXX is my ex-spouse and has an account with Wells Fargo, I do not. 
2. Mr. XXXX cashed a check issued to he " & '' I ( two-payee check ), by the US Treasury/IRS for a mix-up involving Schedule C on my joint XXXX tax return. 
3. The XXXX Tax return was filed jointly while still married to Mr. XXXX. 
4. The check was made out to XXXX XXXX XXXX & XXXX XXXX 5. The amount of the check was {$6600.00} 6. The IRS mailed the check directly to Mr. XXXX 's address, not the address on the tax return 7. Mr. XXXX stole the full amount of the refund check ( {$6600.00} ) 8. I did not authorize, approve, or sign the check and was unaware that it even existed. 
9. I did not receive even 1 cent of the {$6600.00} amount 10. I  physically handed Wells Fargo a copy of the US Treasury check ( front and back ), on XXXX XXXX, XXXX to XXXX XXXX and the XXXX, NJ Branch Manager, XXXX XXXX. 
11. I have received numerous letters from Wells Fargo, and they have yet to help me. 
12. Both NJ and NY Attorney General detective and attorney ( respectively ), as well as the Taxpayer Advocate Service, as well as Wells Fargo employee have confirmed that Mr. XXXX committed a crime in cashing the 2-payee check without my signature. 
13. There are no signatures on the check. The checked may have been cashed via mobile app or ATM. 
14. Wells Fargo is negligent, in that, they failed to audit and monitor electronic/mobile transactions and therefore, failed to recognize this crime. 
15. Wells Fargo asked me for a copy of the check ( provided twice ), and the date and location which the check was cashed ( how would I know this? ). 
16. Wells Fargo refuses to help me and has failed to rectify the matter. I received communication from Wells Fargo on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ; not once did they provide any evidence which would have indicated that they were doing anything to resolve the situation. 
17. The CFPB closes my Wells Fargo complaint cases each time I file one ; this is simply an injustice. 
18. I have am consulting with an Attorney, will notify Law Enforcement and the appropriate Prosecutor 's Office. 

I have been ignored dismissed by Wells Fargo, and now the CFPB and consider this mistreatment. You are supposed to be working to protect consumers. However, you are simply allowing Wells Fargo to trample over law-abiding citizens. I am again, asking for your help. Please assist me, as I am certain that I am not the only consumer who has been ignored, put off, and mistreated. I have attached a copy of the check, and the latest communication which I mailed to them certified priority, via the USPS on XX/XX/XXXX. I have given all of the information which I have.