23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I took my car to one stop automotive to rebuild the transmission in the car and when I came to pick up the car and drove it home I noticed the car was leaking transmission fluid and the transmission fluid pan and gasket and filter and the drain valve were all NOT replaced as agreed with one stop automotive. I paid XXXX dollars with my capital one card ending in XXXX. I towed the car back to one stop automotive bur all he did is put silicon on the pan valve and that is unethical and unprofessional and not as we agreed. The transmission in the car now DOES NOT shift at all and the transmission is still broken and one stop automotive did NOT repair the car as agreed and did NOT rebuild the transmission as agreed and did NOT replace the transmission fluid pan or the gasket or the filter and the car leaked all the Transmission fluid out. Now the car is NOT driving and the transmission does not shift and its broken. So the repairs that I agreed with the shop auto stop automotive to do and rebuilding the transmission were NOT done so I was charged XXXX dollars for repairs that were never done on my car. So I disputed the charge with capital one credit card and until now its not resolved in my favor as it should be. I want capital one to give me a permanent credit for XXXX dollars because I never received the services for that money and the repairs were NOT done as agreed and the transmission was not rebuilt as agreed. So I did not get the repairs for the money I paid. Capital one needs to resolve this dispute to my favor and give me a permanent refund and credit for XXXX dollars. The disputed case with capital one card is XXXX. I did not receive the repairs I paid for and the transmission is not shifting and not working and one stop automotive gave me a one year warranty which they are NOT honoring and they are not refunding my money and NO repairs as agreed were done to the car
Product: Credit reporting, credit repair services, or other personal consumer reports

I bought a truck on XX/XX/XXXX with the loan lending company Westlake Financial Services. The truck was repossessed in XXXX and paid in full on XX/XX/XXXX when the account closed. I actually obtained money back due to overpayment of the account and was written a check by this company. I opened a dispute on XX/XX/XXXX for inaccurate information. On XX/XX/XXXX in retaliation for disputing information on my credit report Westlake put false information in order to drop my credit score over 70 points. Even though the account was closed on XX/XX/XXXX they placed my account back into repossession status for the months of XX/XX/XXXX, then again placed it negative in XXXX and XX/XX/XXXX. This is illegal and something should be done! Because they lied and placed my account in repossession twice after it was closed it has hurt my credit and kept me unable to get a mortgage. With all three credit companies they placed this false information and added the remarks that my account status was in active repossession and late by over 90 days on XX/XX/XXXX in clear retaliation. They flagged my account was delinquent saying there was missing payments. After making yet another dispute for false and inaccurate information they removed the remark on XX/XX/XXXX and closed the account and changed the account that all payments were caught up. It says I have made payments well into XX/XX/XXXX when the account was closed on XX/XX/XXXX. All of this is a violation of the FCRA, and the account should be removed completely from my credit report because of their illegal actions against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I called XXXX and Experian to inquire about about the fraudulent hard inquiries on my credit report. I requested the inquiries to be removed but was unsuccessful and have not received a response yet. I feel like Im being taken advantage and my disputes are being ignored. Also Section 611 ( a ) it states that failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report.
Product: Mortgage

NYCB had an appraisal done on my home by an incompetent appraiser on XX/XX/XXXX, who claimed there are XXXX kitchens in my house. On this basis, they refuse to refund the loan, at a lower rate. On XX/XX/XXXX, I complained to the State of Arizona Board of Appraisal ( ABOA ), who agreed on XXXX/XXXX/2015 that there is only XXXX kitchen. NYCB insists that their flawed and incompetent appraisal report, which states there are XXXX kitchens, and therefore more than XXXX accessory unit, is correct. The State of Arizona, the highest authority in Arizona, disagrees, and claims there is XXXX functional kitchen. With XXXX kitchen, there can not possibly be more than XXXX accessory dwelling. The fair and equitable thing to do at this time is to order a new appraisal, to see who is correct. I know with 100 % certainty that the State of Arizona is correct, as was NYCB 's own appraiser 4 years ago, when they funded the home in question. NYCB also knows that I am correct. This home has not changed at all in 4 years, except that it is a little older. 
They tried to do the same thing XX/XX/XXXX, with another home, and they eventually admitted the appraisal was faulty, ordered a new appraisal, and funded the loan. NYCB just wants to keep me paying a higher interest rate, so that they make more money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't recognize this account. I never applied for it, I don't have any contracts or agreements with this company. I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I previously started looking into the report that included false information, and after reading your response, I saw that the report still contained false information despite having a confirmed status. Please validate this account 's status and payment history for me. I think the information being reported by this account is false. I always make my payments on time, so I never had a late payment on this account. I keep my own accounting records for payments, and the one you have does not line up with what I have. I ask that this account be thoroughly investigated and updated for proper and legal accuracy. Please fix the following account : XXXX XXXX XXXX Late Date XX/XX/20
Product: Credit reporting or other personal consumer reports

XXXX XXXX  XXXX {$460.00} charges was made fraudulent. Due to identity theft. 
XXXX XXXX XXXX dollar was fraudulent charges Due to identity theft. 
XXXX XXXX XXXX {$310.00}. 
XXXX XXXX XXXX XXXX account number XXXX. It should not be in my file. It was paid off. 
XXXX XXXX XXXX Fraudulent charges. 
Thank you
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX. Account # : XXXX XXXX XXXX Account # : XXXX XXXX  XXXX. Account # : XXXX XXXX  XXXX. Account # : XXXX XXXX Account # : XXXX XXXX. Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I went to Conns HomePlus to apply for their leasing. I was approved for the leasing but they signed me up for a credit card and I never authorized that. I called multiple times and was told theyll mail me paperwork to fill out. The lady didnt even know my address or my information so Im assuming it was just a tactic to get me off the phone. No one can help me resolve this. Ive had leasing with them before and I finished paying it off so I went for another one. I did not want a credit card.
Product: Credit reporting or other personal consumer reports

Hard inquiries : XXXX XXXX-Feb. XXXX, XXXX  Bank Of XXXX XXXX XXXX XXXX XXXX XXXX- XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hello, this is so distressing, It's been months now that I'm trying to fix errors that are being reported on my credit report because my creditworthiness is highly important to me, and the errors in my credit report have had detrimental effects on both my financial prospects and my emotional well-being but my requests and complaints kept getting ignored or disregarded which furthers the negative impact on both my life and my credit.
Product: Credit reporting or other personal consumer reports

Formal Dispute of Inaccurate Information on Credit Report. XXXX account XXXX This inaccuracy across XXXX, XXXX and Equifax falsely manipulates the my credit worthiness and it's hurting my ability to obtain credit. They have failed to investigate this account properly after I repeatedly asked to have the account re-investigated, your neglect has once again violated my consumer rights. Accordingly to this law they are suppose to provide me a description of the investigation according to 15 USC 1681 ( 7 ) : ( 7 ) Description of reinvestigation procedure. Attached is proof of Inaccuracies. All the bureaus get information from same Data Furnisher, yet XXXX and Equifax show as charged off, XXXX has 60 days late.Date last active has XXXX XX/XX/year>, XXXX XX/XX/year> and Equifax XX/XX/year>. Attached is proof of all inaccurate information of this account
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX,17 I am restricted from accessing my credit report online or speaking to anyone other than one individual with Experian. named XXXX XXXX at a number that is not toll free. 
I am unable to place a dispute with anyone other than her. I requested a supervisor but was told one is not available. I was instructed not to record the call or she would terminate the conversation per company policy. I am restricted to a special handling department and am not allowed access to any other method. 

they are violating my rights and refuse to remove a fraud alert unless I provide my driver 's license but yet discussed my entire file without verifying my identity based on a report number alone. 

I have documentary evidence from creditors reflecting accounts are not being reported correctly yet my investigation results show all of my accounts were verified as accurate. additionally, my personal info was misspelled, transposed, duplicated, and inquiries were placed that had no permissible purpose which XXXX told me to contact the creditor eve though the acct was removed.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made me the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX XXXXXXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Debt collection

I'm looking over the document and that's not my signature I don't know what scam was done but I don't like it and this is a lesson learned too never do business with crooked bank like this in my life I know something wasn't right but couldn't put my finger on it
Product: Mortgage

I received a call from Pacific Financial recently asking if I've gotten my annual escrow statement, which I hadn't. I went on line and obtained a copy. Pacific Union wants to increase my Monthly payment by 19.2 % My current payment is {$920.00} and they now want to bill me {$1100.00} which is an additional {$180.00}. This change was to correct their error in obtaining the correct escrow for my taxes. I provided them my annual taxes in XXXX. The escrow amount necessary to cover my taxes and insurance only increased by {$63.00} previous amount was {$270.00} and it is now {$340.00}. They are requiring an additional {$110.00} a month to make up their shortfall and to maintain a 2 month balance. 
I called Pacific Financial On Friday to cancel my escrow account and was advised I would need to submit in writing, which did. The came back and stated my request was denied due to their policy and shareholder direction. The Department of Veterans Affairs does not, nor should my loan be obligated to maintain an escrow account for taxes and insurance with the lender. Additionally, I am not a financial risk, I have over 20 % in equity in this home and have not missed a payment or been late? 
I requested that a manager from Pacific Union call me to discuss, but they have not replied to my request. I would appreciate your assistance in this matter I will be filing a complaint with the Department of Veterans Affairs , National Association of Realtors- ( current member ) and investigating obtaining legal representation. 
Thanks, XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a XXXX document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Product: Checking or savings account

My profile had been used at Bank of America by a family member without my knowledge to perform transactions in a prohibited manners-un-authorised check deposits/withdrawal for about 3 times. 

The accounts had since been closed by the bank but my SSN, names and other details listed on early warning are INACCURATE ; I had logged a dispute with early warning and had requested bank of america to thoroughly investigate the transactions to no avail. 

pls i need your assistance in clearing my names and details from the inaccurate listing.
Product: Money transfer, virtual currency, or money service

I normally send money to my family through XXXX XXXX. The money is normally deducted from my bank account. 
On XX/XX/year>, I sent {$XXXX} from my XXXX XXXX  XXXX bank account to XXXX XXXX for onward transfer to XXXX. The transaction went well as before, with a transaction ref. # XXXX given to me by XXXX XXXX. 
On XX/XX/year>, I sent another {$XXXX} through XXXX bank XXXX XXXX XXXX XXXX bank ) to XXXX XXXX  to be transferred to recipient. This was never transferred to the recipient. despite the fact that the amount was debited to my account, meaning XXXX XXXX XXXX paid XXXX XXXX. 
When I waited for them to send me the reference number as usual, I did not receive anything. So, I contacted them to ask what was going on. They started transferring my phone call from table to table and eventually hung up on me. 
I contacted XXXX XXXX XXXX bank to lodge a complaint and they said they will look into it. I also wrote to XXXX revolution about my money and a couple of emails were exchanged and later they told me that I have to pay another $ XXXXfor them to execute the transfer. I asked what happened to the one I paid ; nobody was able to give me any credible explanation. This is what brings me to this complaint. I have copies of the emails I sent to Both institutions regarding this matter. 
I plead that you use your good offices to investigate this issue and my money refunded to me. 
Both XXXX XXXX XXXX bank and XXXX XXXX have refused to respond to my mails. 
I need your help as this is a large sum of money to me. 
Thanks.
Product: Money transfer, virtual currency, or money service

I am filing this complaint against Cash App ( operated by Block , Inc. ) due to their egregious failure to provide adequate customer service and their implementation of unfair practices that directly violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App has demonstrably failed to take timely and effective measures to prevent and address fraudulent transactions on their platform, leaving my account vulnerable to significant financial loss and exposing me to undue inconvenience due to their inadequate dispute resolution process.
Product: Vehicle loan or lease

I was notified that I owed XXXX on XXXX XXXX XXXX with vin # XXXX I have no clue who account that is and, someone used my id without my consent.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cashapp ( Block , Inc . ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPB ). 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 requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E. These actions have caused significant in convenience and financial loss, and seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Contents of Complaint : This CFPB complaint been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion 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 a personal credit card accounts opened XXXX XXXX  account number XXXX date XXXX XXXX, and XXXX XXXX, account number XXXX date XX/XX/XXXX and a collections account opened at XXXX XXXX XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX. These accounts have resulted in fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud.

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the Transunion credit reporting agency block all of the accounts, collections, identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX XXXX
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX Balance Owed : {$230.00}
Product: Debt collection

XXXX XXXX XXXX XXXX will not answer any questions or provide any debt validation. I have called their collection agency : Loyd McDaniel, in XXXX, KY, to attempt to get information on the debt, and they say the " file is locked, '' and they can not provide any information. The numbers to XXXX XXXX XXXX XXXX either don't work or go to voicemail without a return call. 

This debt was supposed to be settled during the divorce proceedings, and we paid the $ XXXX in a settlement with them. Yet they still claim the debt is valid.
Product: Checking or savings account

I had money transferred into my account, this past Thursday. This money was instantly transferred and made available instantly to my checking account. This money was transferred by instant deposit via XXXX  into capital one. Unfortunately at some point between Thursday evening and Friday morning the funds were all gone. It is now Monday and the issue unfortunately still hasnt been resolved. This has caused me distress.
Product: Debt collection

sent a letter certify for valiadation of this debt never received anything. XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> Hard inquirie from XXXX XXXX XXXX XXXX XX/XX/year>, hard inquiries from XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX I mailed a letter of VALIDATION to Commonwealth Finance for 6 different accounts via certified mail. I haven't had any knowledge of these debts or any contract with this company so I requested VALIDATION. This company received my letters on XX/XX/XXXX. I received a response from them on XX/XX/XXXX. The response did NOT include ANYTHING that VALIDATES the debts are mine. This company did NOT provide ANY documents with signature for VALIDATION as requested.