23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

late payment : STRIKE ACCEP XXXX XX/XX/XXXX {$4200.00} Auto Loan collection/charge off : XXXX XXXX XXXX XX/XX/XXXX Credit Card CAPITAL XXXX XXXX XX/XX/XXXX {$0.00} Credit Card SELFINC/LEAD XXXX XX/XX/XXXX {$260.00} XXXX credit card XXXX XXXX XXXX XXXX XX/XX/XXXX {$2300.00} Derogatory XXXX XXXX XXXX XX/XX/XXXX {$4900.00} Derogatory XXXX XXXX XX/XX/XXXX {$2200.00} Derogatory inquiries XXXX XX/XX/XXXX XXXX AUTO XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX NOWCOM/WESTLAKE FINANC XX/XX/XXXX XXXX FINANCIAL XX/XX/XXXX ALLY FINANCIAL C/O GMA XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX BANK NA XX/XX/XXXX personal XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, CA XXXX Previous Address ( es XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Previous XXXX ( es ) : XXXX XXXX CT XXXX XXXX, NV XXXX XX/XX/XXXX Employers XXXX XXXX XXXX SERVICES Employers : OCEANVIEW PSYCHIATRIST XXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I took a flight from XXXX to XXXX. When the flight was landing, a credit card application was offered/passed around offering XXXX XXXX XXXX miles if we signed up for the card. I filled out the application. A few weeks later, I received a card from XXXX XXXX XXXX XXXX. It was then I learned I had an annual fee of {$95.00}. So, I decided not to activate the card. Two months later, my credit warning showed that I received a negative mark on my credit report. Apparently, without me knowing, this Barclays Bank sent the credit agency a late payment for not paying the annual fee - on a card I never activated. I have since cancelled the account, but do n't believe you should be required to pay for a card account you never activate. To make matters worse, Barclays will not provide documentation I can give to the credit reporting agency showing them I never had this account open.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute LVNV Funding LLC account number # XXXX on all 3 of my credit reports.. The balance listed on the account is incorrect. Please delete the account.
Product: Credit card or prepaid card

Around about XX/XX/2023 I applied for a credit line increase of XXXX from Discovery.

Discovery mailed a letter stating not able to approve my request due to : Serious Delinquency - dont have any delinquency accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed payments by 2-day priority and it arrived in time. I was reported late because someone didn't apply my payment for several days after they received it and I was reported late. I am being reported late in XXXX because the post office made an error by putting the wrong letter in my 2-day priority payment. I tried to explain what happen, but I am being  reported late again. This is not my fault, but they won't listen.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX account opened XX/XX/XXXX and closed XX/XX/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 an account without my written instructions.
Product: Money transfer, virtual currency, or money service

XX/XX/year> my cashapp account was closed and cashapp wouldnt tell me the reason for the reason my account was closed. Due to my cashapp being closed I had a remaining balance of {$2300.00} left in my account that I was trying to withdraw into my bank account but cashapp denied it. When I asked to speak someone live about me transferring my remaining balance into my bank account they stated I couldnt speak with anyone to help me my issue. I asked them could they mail me a check of my remaining balance of {$2300.00} that was in the closed account to my address they had on file in their system and they wouldnt allow it and gave me no reason why they couldnt. I even called and tried to give them my banking information over the phone because there system wasnt allowing me to add my banking information so I could transfer the funds in my cashapp account to my actual bank account. Every time I asked to speak with a live representative they said they cant and I would have to email their support team which was basically a automated system that would give me the same response as to why they couldnt assist me. Due to them closing my account they deactivated my cashapp card that would have allowed me to use the card to add to my mobile wallet but since they deactivated the cashapp I wasnt able to use the card information to transfer my money over because my bank couldnt recognize the account or card because cashapp deactivated the cashapp card they provided me meaning I couldnt transfer or add the card to my wallet. So basically they arent allowing me to receive my money or transfer my money over due to their negligence. I have emails of them basically saying it was due to their system I couldnt transfer my funds.
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information in my file. The items i need deleted are listed in the report. 
I am a victim of identitfy theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and i XXXX have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Debt collection

Account in question : XXXX XXXX XXXX This account is continuously reporting charge off XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, and XX/XX/2021. This is having a substantial effect of me date of last activity which will show me when this account falls off of my report. 
I have reported several times that this account is inaccurate and all they have done was send me a letter stating that the account was updated or that it was accurate which obviously it is not. I reported this account to Transunion and it came back on XX/XX/2021, XX/XX/2021, and XX/XX/2021. After disputing this account 3 times this year and having nothing done to correct the issue, which you can see in the document that I have attached from Transunion. 
At this point, I do not want to waste anymore of my time or money disputing this information because they have had XXXX time to actually verify and fix this information which they have not done so at this point the only way to solve this issue is to just delete the account from my report and send me an updated copy of my credit report with this account deleted.
Product: Money transfer, virtual currency, or money service

I'm filing a complaint against cash app ( block , inc ). due to inadeqate 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: Money transfer, virtual currency, or money service

I am filing about money transferring company detail below : REMITLY INC XXXX XXXX XXXX, XXXX XXXX XXXX, Washington XXXX Tel : XXXX XXXX XXXX www. REMITLY.com Money was supposed to be transferred in real time on XX/XX/2021 at XXXX XXXX but the money is not delivered till XX/XX/2021, time now is XXXX XXXX. 

The money was taken out from my bank account immediately on XX/XX/2021 They charged me extra fee as express for in real time transfer and it has been 3 days now that the money is not available for recipient. 

They are not refunding my money or transferring to recipients. 

I made more than half a dozens calls to the company but no results. 

Please look into this matter seriously. 

This company is not trustworthy and should be out of business. 

I suspect that the company is involved in fraudulent activities.
Product: Debt collection

To Whom It May Concern, The reason for my dispute is HUNTER WARFIELD INC # XXXX** was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). 
However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, HUNTER WARFIELD INC failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) HUNTER WARFIELD INC failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation HUNTER WARFIELD INC is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where HUNTER WARFIELD INC is in  compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.HUNTER WARFIELD INC has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several unauthorized hard inquiries on my credit report resulting from fraudulent activity. I am exercising my rights under Section 605B of the Fair Credit Reporting Act ( FCRA ) to request the immediate removal of these inquiries. 

As per 15 U.S. Code 1681i, if any disputed information is found to be inaccurate, incomplete, or unverifiable, you are obligated to promptly delete it. The inquiries listed below were not authorized by me, nor do they have a permissible purpose under Section 604 of the FCRA : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Claim ID : XXXX Amount : {$5300.00} On XX/XX/2023 I filed a claim with my bank institution. At that time I informed them my phone was stolen along with my wallet and other items. They opened the claim and 9 days later they denied it. I asked for reconsideration on this and they informed me that they never relied info on my possessions being stolen. Which is false because the phone calls are all recorded. I sent in then after being denied, the police report, phone carrier statement and my statement as well. I faxed these documents in and received a conformation number XXXX the sent fax. 
Today I called in and they have not received any of the information. I have been given the absolute run around yet I have complied with every request since and nothing has been done. I was on the phone with numerous supervisors and she just rudely hung the phone up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are reporting incorrectly that I am 120 days past due on loans with the XXXX  XXXX - partial account number XXXX. This account reflects a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these coding errors be corrected. This incorrect reporting is harming my credit score. It is impossible to be past due on accounts that have a {$0.00} balance and {$0.00} past due.
Product: Mortgage

My mortgage loan was with XXXX XXXX with auto pay for monthly loan payment. On XX/XX/2022, XXXX XXXX informed me that the loan processor is changed and the new loan processor will be shellpoint financial and they will communicate with me, but I didnt get any notification from shellpoint financial with the new account information to make payment. I was under impression that the previous lender might have transferred all of my information until I received a certified email stating that I was behind on my payment. 

As per the notification received by certified mail, I made payment on the same day and setup autopay for the future payments. The lender had multiple means to communicate with me like my home/cell phone numbers as well as my emails but I have never received any notification or voice message via those means and the lender reported me to credit report agency stating that I was late on payments.

I am meticulous with my finance and never been late in my payments. Your office can check my credit history and you will notice that I don't have any history of late payments. 

During this era of communications they had all my information from the previous lender, how come they couldnt reach me through mail, email or phone call or text.It is the negligence on the part of the lender and I shouldnt be penalized for their mistake. 
I firmly believe that it was the negligence or slackness on the part of lender to reach me and I shouldnt be penalized for it.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I called Capital Chrysler to ask if Capital Chrysler has received my pay off amount for my car loan. The gentleman indicated that I had a refund due back to me for overpayment of {$390.00}. The gentleman indicated that I needed to send a picture of my social security card in an email to help XXXX to receive the refund. He indicated that if I didn't send the email, I would receive my refund check the first week of XXXX. Then I called Capital Chrysler on XX/XX/2021 asking for the status of my refund check. The gentleman indicated that a check was sent on XX/XX/2021. Then I asked to speak to the manager because of the conflicting stories. So then I spoke with gentleman, badge # XXXX who indicated that a check was mailed out on XX/XX/2021 so this is another conflicting date as to when the check was sent. I would like this to be resolved so that I can receive my refund of {$390.00}. 

Thank you
Product: Vehicle loan or lease

I bought a new vehicle XX/XX/XXXX. I had already paid for my vehicle the old loan that I have with Capital One Auto finance on XX/XX/XXXX. The new company that I bought it with dealt with Capital One in order to pay off the finance loan. Today is XXXX the XXXX XXXX. I was needing a letter from Capital One Auto loan stating that my loan was paid off. They are saying that I owe them {$530.00}. Never before had they had I heard this. I went to the new Auto dealership to talk to finance, she gave me a copy of the car title from Capital One Auto finance. She told me they paid off the amount. And if they hadn't paid it off Capital One auto financing would never have given them the title. I keep trying to get capital One Auto finance to drop off the {$530.00} and they keep saying that they had taken the money out of my bank account in XX/XX/XXXX. But it was reversed back in 7 days. I assumed it was them giving me my money back since the new car dealership have paid them off. Capital One Auto finance is saying they didn't do it that I had have done the reversal. well I didn't do it. Yet Capital One fix the problem of taking off the balance. I have worked hard on my credit score. They're the ones that did the blunder I had that car paid off with my new dealership. why should I have to pay more?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX  numerous time via USPS mail requesting information on the account, because the account does not belong to me. I have requested applications that was submitted, contracts that could have been signed anything. But they have refused to answer. This account has not been proven to belong to me, or how it was established.
Product: Credit reporting

Equifax continues to not reflect my XXXX mortgage with a balance, a payment and any payments made.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 Dear Credit Bureaus : I am requesting four inquiries are removed from my credit report : # 1 XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX # 2 XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX # 3 XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX # 4 XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX I am requesting my credit history with XXXX XXXX is updated on all bureaus. I am requesting a rapid rescore as my scores have been low for the past XXXX years. 

Thank you.
Product: Mortgage

I have been attempting to work with my new mortgage company but they have been nothing but helpful since taking over my loan from XXXX. I need help as my home is going into default and I can not maintain payments. Please have someone assist me with a solution. I am open to a loan mod as or deed in lieu. I need a single point of contact, someone who is willing to keep open lines of communication.
Product: Money transfer, virtual currency, or money service

I am not able to link my XXXX account with gemini.com
Product: Credit card or prepaid card

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on DISCOVERBANK. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts was fraudently opened in my name they are closed accounts I'm uploading proof of identity theft and police report with proof of identity
Product: Payday loan, title loan, or personal loan

my partner and i bought a car on XX/XX/XXXX because carvana offered a car by XX/XX/XXXX if i purchased now. i needed a car an thought the cost was too high for a XXXX XXXX at total around {$17000.00} or about that. this was after the loan, taxes, and everything, my partner has no credit issues but hasn't built any so we wanted to finance a car to build them some, so we agreed to the 9.2 % even though it was high. the terms of the sale told us to insure the car and upload the documents buyers valid license. we sent in every document and the car delivery was set for XX/XX/XXXX. On XX/XX/XXXX our carvana account asked me to resign the document and pick a date from XX/XX/XXXX and on for delivery, for 3 days i called and argued that there were violations to laws being made, we need the car and i wont accept it after XX/XX/XXXX, finally by the XXXX they said it would come XX/XX/XXXX at XXXX, this day my number went straight to management who told me verbally that there were no changes to my contract and said it had to be resigned because of the delivery date. when i looked at my contract it had said my interest rates were now 26.194 %. they refused to change the contract so i wont sign it. im contacting you to help consumer protection. the state of illinois is also being cheated out of taxes because carvana doesn't properly register cars, i've seen endless people claim titles are missing and lost meaning the state want paid but people were charged.
Product: Debt collection

This is a fraudulent debt collector. This company has no website, no address to contact them. They are bogus. I never received anything letters of debt being owed to this company. No fair chance to dispute from this alleged debt collector. I am a victim of XXXX 2017 identity breach. This debt is questionable. The company is questionable. Can not find license number to collect debt in Michigan.
Product: Credit reporting or other personal consumer reports

I am filing a compiaint against Equifax for failing to properiy investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I need the below items disputed and deleted. 

XXXX NOT MY BANKRUPTCY XXXX NOT MY BANKRUPTCY XXXX MY BANKRUPTCY CONNS XXXX UNVERIFIED ACCOUNT-DELETE IMMEDIATELY XXXX  XXXX NOT MY ACCUNT XXXX  XXXX NOT MY ACCOUNT XXXX XXXX XXXX NOT MY ACCOUNT XXXX XXXX XXXXXXXX UNVERIFIED ACCOUNT XXXX  XXXX UNVERIFIED ACCOUNT- DELETE IMMEDIATELY thank you, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Texas XXXX XX/XX/XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX Date Opened XX/XX/XXXX Balance {$1800.00}, BANK XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$1400.00}, and XXXX XXXXXXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} or XXXX XXXX or XXXX XXXX. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Student loan

Currently, Navient is reporting negatively on my credit report due to not being able to make the high amount monthly payments. I am a single mother with multiple bills and am unable to meet the monthly payment they have given. They send me notices via email daily and it stresses me out. I tried working with them and have been paying up until now. I can not afford the payments and they have no other options for me to repay the loan back. They were not able to work with me when trying to resolve this issue