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

I was involved in an accident where my leased vehicle ( XXXX XXXX ) was deemed a total loss. The accident happened less than two months after we entered into the lease. In connection with the total loss of my vehicle, my insurance company ( XXXX XXXX ) paid Audi Financial Services {$37000.00} the value as of the time of the accident. This was higher than the value of the car at lease signing, which is set forth in the lease agreement as {$33000.00}. Audi Financial Services continued to require me to make monthly lease payments after the date of the accident, when I no longer had possession nor use of the vehicle ( which was a total loss ). Audi Financial Services is insisting that they will keep the difference of {$3800.00}, i.e. the difference between {$37000.00} ( value at time of accident ) and {$33000.00} ( value at lease signing ). Audi Financial Services also refuses to refund me the deposit ( {$3700.00} ) I paid at the start of the lease meant for the full term of the lease ( 42 months ). Therefore, Audi Financial Services will make money off of an accident I was involved in. Audi FS will make money from my insurance company and the insurance premiums I paid. In short, Audi Financial Services will make a profit from their customer 's accident. This is just patently unfair and unconscionable.
Product: Credit card

I used my Citi Bank Credit card for a charge to XXXX XXXX XXXX XXXX/XXXX/2016 for a vacation package. The cost was {$4000.00} and I put {$2000.00} on my creidt card for a downpayment. The vacation club office person gave me a flash drive with all the signed documents and refused to give me a written copy of the agreement. I did in fact go back to the motel and tryed several differant times to open the flash drive with out any sucess. I called the XXXX on XXXX/XXXX/2016 to inform them I want to cancel my contract right now and a full refund issued to my credit card. The lady repersentive assured me she was going to cancel my membership and a refund would be issued. On XXXX/XXXX/2016 a lady from the XXXX XXXX called me and I explained to her I canceled my membership the day before cause I decided to do so, she said I see here on the computer where you membership is canceled and a refund of {$2000.00} has been issued. I have been in contact with my Credit card company CITI Card and they have refused my charge back claim. I am demanding a full refund of {$2000.00} be put back on my card plus anyother charges and interest CITI Card has charged me for XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/2022, I was reviewing my monthly bill from XXXX XXXX and noticed transactions I did not make or authorized. I had a card in my possession. According to XXXX XXXX investigation the orders were placed online and picked at the store. So far, XXXX XXXX did not provide any information of what the location of the store or any receipts of these unauthorized purchases. At that time my balance on the card was close to max of {$5000.00} so this XXXX was put over my credit limit without any authorization also. XXXX XXXX released goods without any ID verification as I never lost my California DL. I consider that XXXX XXXX XXXX failed to protect my rights as a consumer since they are refusing to remove dept from my balance and increased credit debt over the allowed limit without any request. I did what I could to protect myself by filing the police report, fraud report with FTC, and requesting to conduct two separate investigations by XXXXXXXX XXXX. Last investigation was completed by XXXX XXXX on XXXX with the same outcome. Right now, the interest and fees are piling up on my account. Please help to resolve the issue as it is hard to fight against such big company like XXXX XXXX XXXX XXXX
Product: Checking or savings account

Citizens Bank is grossly mishandling a fraud claim. They refuse to reimburse me the amount of {$150.00} that was stolen from my account on XX/XX/2022 via debit card transaction. When I filed a fraud claim with Citizens Bank they erroneously made a stop payment for a transaction that I authorized to XXXX XXXX XXXX XXXX on XX/XX/2022. At this point I explained to them that an error was made and I filed a new claim for the correct transaction that was definitely fraud. Now citizens Bank has told me five times they refuse to honor the claim because it is a duplicate claim. It is not a duplicate claim. The banker who filed the original claim made an error. Now they are refusing to refund my money.
Product: Money transfer, virtual currency, or money service

XXXX and a XXXX charge that was sent using Zelle. On XX/XX/2023. My phone and belongings were stolen and was used to send money to this person. I tried calling and were unable to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ( Original Creditor : 01 XXXX XXXX ) XXXX ... XXXX XXXX XXXX ( Original Creditor : 05 XXXX XXXX XXXX XXXX XXXX ) XXXX ... FIN ACCTS SV  ( Original Creditor : 09 XXXX XXXX  ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I filed a dispute and included my FTC identity theft report which is a sworn affidavit. They told me to get it signed by a law enforcement agency, my local sheriffs office wouldnt sign because this is a federal crime. I cant get a federal agent to sign this document as Ive tried calling. ChexSystems has the obligation to investigate into the validity of these accounts. You can contact them and have them provide all the information used when account was opened! But you shirked your duties by saying I needed to have it signed. you dont have it signed that I opened these accounts. Right or wrong? 


Im complaining to the CFPB in hopes that you can FORCE ChexSystems to be in compliance with their duty to thoroughly investigate any disputed claims. 

I have attached a picture of my license and my SS card, the pictures from the Institutions should match exactly if I opened these accounts according to KYC laws. My wallet has been stolen in XXXX and XXXX so of course I have things Im not aware of!!!!
Product: Prepaid card

I bought a XXXXXXXX XXXX American Express prepaid gift card and I used XXXX XXXX but I cant use the XXXX XXXX that are left, when I try to it states its been declined.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a dispute for the negative items on my report in XXXX and XXXX of 2018 to the three reporting agencies I did not receive any update on my dispute in the mail or email from these reporting agencies. Under the FCRA if they can not validate the account is true and accurate to me or respond in 30 days the collections have to be removed. Also, these collections on my report I've never heard of or contracted with so I do not owe these collection companies on my report ( XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX of XXXX ). I do not owe this debt and they did not and can not provide a validation and signed contract with my signature. I asked that these collections be removed per FCRA violation.
Product: Credit card or prepaid card

I applied for a credit card in XX/XX/2022 in the process of the card being shipped out i moved to a new address I called milestone updated my address they told me they had already mailed a card for me so o they were going to cancel it and mail me a new card to my new address I didnt receive the card till like a month and a half after they said they had issues with the plastic company who does cards and there was a delay so I finally receive the card in the process of activation the card was blocked so I call again to see whats going on then they tell me that the card was blocked for fraud they ask me to send several documents over to verify my identity I sent over a fax with my bank account statement a bill and my drivers license several weeks pass by and I call again and they said my DL was unreadable so I re fax it a few days pass by again and so I called to verify if it was readable and today for my surprise they say my DL is not valid and Altered and they closed my account permanently my DL is not Altered in any way all i did was capture a photo and fax it over I use this DL everywhere i have never had any issues anywhere this is not my first credit card Im feeling like the company is just a scam
Product: Credit reporting or other personal consumer reports

Equifax has failed to fulfill its legal obligation under the FCRA to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverified accounts unresolved. The CFPB has recently filed a law suit against Equifax I was also affected by the data breach. Alleging systematic issues such as failing to provide evidence to furnishers, accepting unrealiable responses and failing to adequately notify consumers of dispute outcomes.These failures align with the data breach. Equifax has neither corrected nor removed disputed items despite the evidence I provided causing ongoing harm to my credit standing, I am requesting immediate corrective action to remove or amed the disputed accounts, as Equifax inaction violates federal law and my righs as a consumer.
Product: Credit reporting or other personal consumer reports

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX GA XXXX To : Equifax I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within FOUR business days. To following information on my credit report is the result of identity theft and should be blocked : This letter is to inform you that I have become a victim of identity theft. I contacted the Federal Trade Commission and filed a FTC complaint which is attached. There are FRAUDULENT accounts on my report which do not belong to me. 

All required documentation is within this packet and has been Faxed and mailed via Certified mail to your agency. 

In addition, I demand the following fraudulent ACCOUNTS be deleted from my credit report immediately. 

Please remove the following fraudulent accounts and inquiries from my credit report : ACCOUNTS : XXXX. XXXX  Account Number : XXXX Sincerely, XXXX XXXX
Product: Bank account or service

Yesterday, XXXX, XXXX, 2016, I personally went to USBank, XXXX XXXX XXXX Branch to inquire about my Cashier 's Check that I never received. Go to find, XXXX XXXX, Personal Banker sent the Cashier 's Check by XXXX, but the Check never arrived. XXXX, Personal Banker gave me a print out of the XXXX information. I then, checked with the Drop-Off Location, XXXX Store # XXXX, XXXX XXXX XXXX XXXX, XXXX . XXXX, XXXX, CA ( XXXX ) XXXX. They only had a record of it being dropped off on XXXX XXXX, 2016 at XXXX XXXX. So, they told me to call XXXX ( XXXX ) XXXX to locate the check and I found out that the check was " LOST ''. They CAN NOT find the location of the check since it was dropped off at the hub in XXXX XXXX, CA. Now, since the check is LOST it needs to be investigated and it will take time to locate. 

I went back to USBank to explain what happened and there was " NO ONE '' in charge. " NO BRANCH MANAGER '' nor " NO ASSISTANT BRANCH MANAGER '', only the Personal Bankers that told me there 's nothing can do for me. They firmly said, they " WILL NOT VOID '' the LOST CHECK, nor will they " ISSUE ANOTHER CHECK ''. And, that I had to wait 90 days until they resolve this issue in order for them to issue me another Cashier 's Check. What kind of bank business is this? It makes " NO SENSE '' whatsoever. The FACT that I am reporting this check being " LOST '' by XXXX, they are still adamant to not issue me another check. SERIOUSLY?? 

Firstly, XXXX XXXX, Personal Banker took it upon himself to " CLOSE '' my Checking Account without notifying me by phone. Secondly, he had the Branch Manager XXXX XXXX XXXX send me a letter which was sent " Regular mail '' that, I received with no problem ( why did n't they include the Cashier 's Check in that envelope )? On the letter it states that it was sent " Certified Mail '' which is a " LIE '', because the envelope has no notification of it being sent " Certified Mail ''. Thirdly, my Funds are lost and they want me to wait for 90 days before they issue me another Cashier 's Check with " NO FALUT '' of my own. I find this to be completely " UNFAIR ''. 

Instead of the Personal Bankers, being helpful and apologetic ; they treated me with total disregard and disrespect.
Product: Mortgage

We had a forebearance. XXXX XXXX sold loan to Sls. I had XXXX in unapplied funds, was told we needed to update paperwork to sls to be able to put funds towards payment. 

Did paperwork. Called to make payment using unapplied funds. Money was put towards interest. Was told they would reverse it and get money back to unapplied funds. Never happened. 

Asked why loan was changed from 30 year to 40 year. No logic in explanation. 

Asked why the forebearance amount was not just added to endvof loan. Told I was in forebearance too long. 

Called for update and let them know our son took his life and they offered three additional months of forebearance, told it would not change being added to end of loan. 

Called constantly. Told I have to get caught up on all payments asap. 

Told money never went to interest. Shady company.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS XXXX  XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to login to XXXX and transunion I updated password it went successfully. Went back to main login then it locked my account saying I did to many attempts. It said wait XXXX minutes still gave me the same error message then it said I entered the wrong password. This is all done on purpose I need access now.Transunion has not updated since XX/XX/2023. I can not get the full credit report. 
XXXX has XXXX address on me I only have XXXX address XXXX XXXX XXXX XXXX Fl XXXX please remove all others! 
I only have XXXX name XXXX XXXX XXXX Not XXXX XXXX XXXX XXXX not XXXX XXXX XXXX please remove all incorrect names and addresses from my credit file.
Product: Credit reporting or other personal consumer reports

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

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting

I had a secured credit card with XXXX XXXX with a credit line of {$200.00}, that was secured by a savings account. After a few years, I was issued an unsecured XXXX XXXX XXXX credit card with a {$500.00} credit line. Since I received the unsecured card, I did n't think it was necessary to still have the secured account, so I requested that the account be closed by XXXX XXXX. Soon after I requested the account to be closed, my credit score dropped dramatically, which is negatively impacting me with trying to obtain a mortgage loan. Why would a consumer who is wanting to eliminate unnecessary debt be penalized. The account was always paid on time, the account was paid off in full and yet the credit bureaus pinged my credit. Does n't seem fair at all. Any assistance you can provide will be greatly appreciated.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and : - I have a XXXXXXXX XXXX  account on my credit report ( XXXX ) that I paid off that is showing with a late payment and I HAVE NEVER BEEN LATE. I reviewed my credit reports and there is another XXXX XXXX Acct with the same credit limit, same dates opened, and same account info that shows NO late payment. I paid that account off and I paid it on time EVERY TIME. I have attached the screenshots that show you the XXXX XXXX accounts that are the same and XXXX showing no late payments, WHICH IS CORRECT. 

- I have an account on my credit from XXXX XXXX XXXX, which is a collection agency from XXXX at XXXX XXXX. XXXX at XXXXXXXX XXXX agreed to have the account removed from my credit report if I pay the balance. I PAID THE BALANCE yet it is still there. I sent them a letter in regards to the matter ( which I attached ) and they responded that they sent a request to the credit bureaus to get the account removed yet it is still there. After speaking to an employee they advised for me to contact the bureaus. I have sent out many letters and the account is still there. 

- I have an account from XXXX XXXX  which is a collection agency from XXXX XXXX. Same as the issue above. An agreement was made! There is no reason that these items are still on my credit.
Product: Debt collection

Financial Assistance , Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Is attempting to collect a debt from me in the amount of {$97.00}. They have reported this debt to my credit file, with XXXX, XXXX and XXXX. 

According to Florida Law, Consumer Debt Collection Agencies are required to be licensed in the state of Flodia, ( 559.553Registration of consumer collection agencies required ; exemptions. 
( 1 ) A person may not 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 ). In which Financial Assistance , Inc does not currently hold any active license in the state of Florida with the Office of Financial Regulation.
Product: Debt collection

In XX/XX/XXXX my wife signed for a personal loan to consolidate debt. The original amount of the loan was {$12000.00}. A few months later I was laid off and we were unable to pay our bills. The account was charged off. The debt was purchased in XX/XX/XXXX by a company called XXXX XXXX. XX/XX/XXXX they filed a judgment. They hired a law firm, Scott and Associates, to collect the debt. Last Thursday, XX/XX/XXXX, Scott and Associates seized our joint XXXX XXXX checking and savings accounts, taking the funds we had in our accounts without any notice. I first called XXXX XXXX who would only speak to my wife. They said the accounts were legally frozen. I found a phone number attached to the transactions through online banking access and called Scott and Associates to learn more ( XXXX ). I reached a woman named XXXX XXXX at XXXX, who told me her firm had sued XXXX XXXX and would not release my accounts until I paid {$37000.00}. Then she said the firm would be willing to settle for {$31000.00} if I paid immediately. So, the original debt of $ XXXX is now fourteen years old and has somehow ballooned into $ XXXX, and Scott and Associates has unlawfully seized my bank accounts without so much as providing notice.
Product: Mortgage

I have tried to get the loan modified and I was given bad information resulting in not enough time allowed to modify before the sale date. I did receive help from the hardest hit fund, and the balance does not reflect properly considering the payments that were made by the hardest hit fund.
Product: Debt collection

Diversified Consultants Inc has reported on multiple credit reports that I opened an account with them on XX/XX/2017. I have NEVER OPENED AN ACCOUNT with Diversified Consultants Inc. I have never had any contractual relationship or dealings with DCI.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
The following companies listed below from 1 through 5 are showing missed payments in my credit report. I disputed the accuracy of the credit reporting with the Credit Reporting Agencies ( ie Transunion, XXXX, XXXX ), they concluded without " Receipts '' confirming the accuracy of the reported missed payments that the information was correct. I have not received information from neither company nor Credit Reporting Agency confirming the accuracy of the reports. The following are the companies : 1. XXXX opened XX/XX/XXXX 2. XXXX XXXX opened XX/XX/XXXX XXXX. XXXX  XXXX opened XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX opened XX/XX/XXXX
Product: Checking or savings account

On XX/XX/XXXX HSBC issued a online bill payment, as requested through their app, of {$5800.00} to XXXX XXXX  This payment was cashed by another entity on XX/XX/XXXX that is not XXXX XXXX  as evidenced by HSBC 's proof of payment ( see enclosed ). XXXX XXXX also signed an affidavit saying they did not receive these funds and sent this affidavit to HSBC on XX/XX/XXXX. We were forced to pay these funds again to XXXX XXXX  since HSBC lost the funds. We are waiting for HSBC to respond. They have been claiming, since XXXX that they are " investigating '' and yet, it is now 2 months later and they have failed to reimburse us for these funds and are no longer responding to follow up calls or emails. Please help. 

I'm enclosing the proof of payment provided by HSBC showing that they paid the wrong entity. Thank you!!