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

I purchased a vehicle and the car company provided myself and the loan company Westlake Financial. This was discovered by the car company after I made my first payment. Since then the loan was cancelled with no notification to me and restarted by the car company and loan company on their own. My credit rating dropped from XXXX to XXXX because of their multiple credit checks even though the loan had already been approved and I had made a payment. Now this morning I was awaken at XXXX this morning for what the supervisor said was a mistake. When I asked why I was being awaken he said it was a mistake. I asked why he called and he did seem to be able to answer that question. When asked to speak to someone with some authority I was hung up on. This borders on harassment. This company is ranked as a weak customer service loan company in their reviews. I can see why.
Product: Mortgage

As per Care Act, for Covid 19 hardship I called my bank to request forbearance for up to six months. My bank is Chase Bank with my loan # XXXX XXXX XXXX They denied forbearance up to six months per Cares Act and they offered 3 months only. I spoke with the Escalation Team Department at Chase Bank, by someone named XXXX, insisting that I have the right for up to 6 months forbearance. She declined my request for 6 months forbearance and offered only up to 90 days. She has violated the Cares Act rules by denying me forbearance for up 6 months. 
I would like to know my forbearance rights and file an official complain again Chase for violating federal Care Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Email : XXXX XXXX
Product: Debt collection

This company Midwest credit & Collection has engaged in abusive, deceptive, and unfair practices that are prohibited by the FDCPA. They've reported accounts without my agreement or signing of any related agreement. A legal contract necessitates the consent of both parties, which I did not provide. Additionally, they did not follow the proper five-step validation procedure, constituting unfair practices. According to the FDCPA, I am entitled to {$1000.00} per violation, and their actions clearly infringed upon my rights!
Product: Money transfer, virtual currency, or money service

I am filing a comp

laint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenien
ce and financial loss, and I seek appropriate redress for these violations.
Product: Money transfer, virtual currency, or money service

Hello, I see on the XX/XX/XXXX at XXXX the ETHEREUM was valued at XXXX USD. 
I attempted to login and sell, as indicated in the email above with the exact timestamp as evidence. You can see I informed you of my intention of selling immediately all my ethereums. 
Therefore, I complied with Terms and Conditions, in particular : " 3.2. Digital Currency Transactions. Coinbase processes supported Digital Currency according to the instructions received from its users '' In panic, seeing that I could not access my Coinbase account for hours ( same as the night before ) and seeing the value dropping significantly, I sold as soon as I managed to login which was many hours after on XX/XX/XXXX XXXX XXXX  ( reference XXXX ). The rate was much lower, I had very limited choice. 

I am very unsatisfied with the situation, this is my first experience with Coinbase, and it was very unsettling and worrying. You are supposed to be in Finance and offer decent access so the customers can access their account 24/7. What occurred was very stressful and unsettling, I even worried it was like " XXXX XXXX '' and that I would lose all my invested assets. 

Now, I am willing to continue my adventures with Coinbase, but I am very unsatisfied with the loss I have suffered due to your technical issues. 

I inform you that I am currently looking with my legal assistance, and with the report to the US Consumer Financial Protection Bureau. 

After that, I have created several support tickets in your system, each times they were answered by generic copy/paste answer not actually related to the issue, and often the tickets were closed despite me stating clearly the issue was not resolved.
Product: Debt collection

Ive never had a contract between me and this company and its reporting on my XXXX  credit report please have it removed, it is prevent ting me from purchasing a home, ima veteran or XXXX and XXXX. Please help if you can.
Product: Credit reporting or other personal consumer reports

I am writing to formally complain about a misleading email communication I received from Experian, which seems not only to deviate from the high standards that consumers expect from a reputable organization like yours but also to be in violation of legal mandates. 

* Misleading Subject Line : The email was titled " XXXX, you have 2 new credit alerts to review. '' Given the urgency and importance that such a message implies, I was naturally inclined to check its contents immediately. To my dismay, the main body of the email discussed an inconsequential balance change on a revolving credit line. This discrepancy between the subject line and the actual content is misleading and gives a false sense of urgency to a potential non-issue. 

* Directing to Paid Service : Clicking on any link within the said email redirected me to a page promoting and selling Experian 's $ XXXXmonth monitoring service. It's evident that the main intention behind this communication was to lead recipients toward purchasing a paid service, leveraging the urgency of the falsely advertised " credit alerts. '' * Absence of Unsubscribe Option : The email lacked an " unsubscribe '' link or option, which is a significant oversight, especially in marketing communications. This absence is not only a violation of the CAN-SPAM Act but also contravenes the settlement reached in the XX/XX/2023 case of the United States of America vs. ConsumerInfo.com , Inc . It's alarming to witness such a disregard for legal obligations, especially given the gravity of the aforementioned case.
Product: Debt collection

Never knew I could dispute debt until now that I was attempting to purchase a home. Also, I have been harassed and threatened that cops would be sent to my house. Family members have been called trying to revive payment and when Id attempt to get information. They were vague and rude. This negative report has been on my account longer then seven years and is affecting my home purchasing.
Product: Credit reporting or other personal consumer reports

i did not authorize these inquiries on my FactorTrust report - XXXX  ( XX/XX/23 ) - XXXX XXXX XXXX, XXXX ( XX/XX/23 ) - XXXX XXXX XXXX XXXX XXXX ( XX/XX/23 )
Product: Vehicle loan or lease

Usaa will not give me a loan unless secured or will only offer me loans with extremely high interest rates. I have good credit with good payment history leading back almost 20 years. The rates they offer are usually double what other companys offer without explanation of why I cant recieve a fair rate. I have banked with USAA since 2002 when I joined the XXXX. I've purchased 2 homes and several cars none of which I have been able to secure a loan with usaa with a fair rate which forces me to go else where which is what I think there intentions are.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I mailed in my police affidavit and FTC complaint to Equifax to remove fraudulent information on credit report. Instead of removing information they 've opened an investigation into said items and refused to block fraudulent information from reporting under the FCRA. I 've followed the protocols set fourth by the FCRA and EQUIFAX and they 're refusing to remove those items.
Product: Mortgage

Issue : Santander Bank thinks I owe them 2 payments ( which were paid through bankruptcy discharge ) Upon selling my loan to XXXX, payments were fraudulently applied to make loan current and now XXXX says I am one payment behind. Proof can be found by ordering a payment history on the mortgage servicers end. Negative reporting must stop immediately and my account needs to be corrected. I am not missing any payments. Late fees need to be reversed and correction of payments made. Thank you. 

Facts of the issue : *Bankruptcy filed XX/XX/XXXX case number XXXX *XXXX XXXX   claimed XXXX through the bankruptcy and was paid XXXX by XXXX XXXX, trustee . No late fees incur for 2 years because they know its related to bankruptcy. 

*Bankruptcy discharged on XX/XX/XXXX *Mortgage Statement dated XX/XX/XXXX states I owe Santander Bank XXXX . I order payment history, and write letter after receiving it which showed me as current and never missing a payment. I demanded a review, correction and removal of negative reporting. Written request went ignored. 

*Santander applies a payment to make loan current XX/XX/XXXX in order to sell the loan to XXXX . I am now incurring 2 months of late charges and am being reported as late when I am not. 

They have ignored my 2 prior requests vie mail to resolve this and have also given me the runaround via telephone for 2 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I opened the Money lion account and got a loan with them in XX/XX/XXXX, shortly after, my bank card that they automatically withdraw fees/payment from was compromised. I immediately reached out to them through their app, and updated the payment method. When I saw it did not automatically withdraw on the due date I called them to see why. They told me it had not updated in their system and that they would waive any late fees if I just paid right then. So I paid all of the payments right then. After updating my payment method over the phone with a person, I never had any issues with payments being taken out of my account and was paid in full by XX/XX/XXXX. I recently got a subscription for experian and saw they were reporting I was late more than 30 days almost 6 months in a row. This was impossible! I reached out to them and they would not remove this from my credit report, and said I would have to dispute it. They have still not removed this inaccuracies to this date.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed that an account was not reporting accurately. I had two late payments on an account that it was in fact paid on time. The consumer reporting agencies have need to report all information with the correct accuracy. This account has not been late on payments I've attached a copy of my report to this complaint on the following dates ( XX/XX/year> ). I'm now requesting for you to investigate and provide verifiable proof withs records showing that I had late payments. if this information can not be verified, I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action. 
XXXX XXXX  Acct # XXXX
Product: Credit reporting or other personal consumer reports

This is my first request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$470.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$4800.00} XXXX XXXX XXXX Balance Owed : {$14000.00} XXXX XXXX XXXX Balance Owed : {$41000.00} XXXX XXXXXXXX Balance Owed : {$32000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursant to 18 USC 8, I owe no debt, This company ( XXXX XXXX XXXX XXXX XXXX is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my pursuant to 15USC 1681 4 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 or 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 know or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

I made XXXX purchases in XXXX ( the XXXX & XXXX ) on my Home Depot card issued by Citibank totalling {$84.00}. After paying the bill in full the following month, having made no further purchases Citibank is holding me in debt to the tune of {$100.00} and has deeply injured my credit standing with the credit bureaus and has reduced my credit from {$5000.00} to {$500.00} after charging me excessive fees. 

I made a payment of {$50.00} XX/XX/XXXX at XXXX I returned a total of - {$69.00} XX/XX/XXXX at XXXX I made a purchase of {$58.00} XX/XX/XXXX at XXXX I made XXXX payment {$25.00} XX/XX/XXXX at XXXX I believed the account was paid in full and have made no further purchases My payment was 7 days past its due date and this generated a {$29.00} late fee and an interest fee of {$2.00} totally {$31.00} on a payment requirement of {$29.00}. I complained to the customer service several times explaining that I believed this fee to be excessive and possibly illegal. 

These are the fees generated since the XXXX purchases that totaled a mere {$84.00} XXXX late fee {$29.00} XXXX interest {$2.00} XXXX interest {$2.00} XXXX late fee {$29.00} XXXX interest {$2.00} XXXX late fee {$40.00} XXXX interest {$2.00} XXXX fee reversal - {$40.00} ** XXXX late fee XXXX ** XXXX interest {$2.00} ** ** the last XXXX fees were all on the same statement which means I really received no credit My current balance sits at {$100.00} which is all fees and interest on a balance that was paid in full on XX/XX/XXXX. These fees exceed the new federal law that was passed on XX/XX/XXXX and went into effect on XX/XX/XXXX that does NOT allow late fees to exceed {$8.00} per billing cycle and ALL my purchases were made AFTER the law was passed. All late fees ( except the XXXX fee ) were charged AFTER the law was FULLY IN EFFECT and far exceed the {$8.00} maximum. These fees ALSO VIOLATED Washington State Legislature RCW code 63.14.090 which clearly states that accounts with a balance below {$100.00} which are paid within 10 days of their due date can not assess a late fee that exceeds 10 % of the daily balance and the minimum charge can be {$2.00} which I paid leaving me a balance of XXXX cents which would not have generated any further late fees. Clearly these fees violate both federal & state laws. The initial late fee & interest exceeded the payment by over 100 %. 

Please help! Citibank is negatively reporting my account as late which is incorrect and is not supposed to be reported negatively unless my account was 30 days late. They also decreased my credit limit from {$5000.00} to XXXX which I find discriminatory based on the circumstances of their shark style lending & late fees. This has had an EXTREME effect on my overall XXXX XXXX which dropped over XXXX points leaving me at XXXX. I am currently shopping for car insurance and this NEGATIVELY effected my rate which had been lower due to a deduction for good credit with my previous score of XXXX. This has also caused a soft pull that generated a negative impact on my XXXX account that reviewed my credit and closed my account. Please help! My credit was EXCELLENT prior to this nightmare.
Product: Credit reporting or other personal consumer reports

In an effort to resolve a matter between myself and the company XXXX XXXX XXXX, the company has terminated collection efforts on the debts for account # XXXX & # XXXX and requested the credit bureaus delete the tradelines. However, it has not been done yet. I have attached a copy of the CFPB complaint where the company has agreed to delete the trade-lines. I am asking that Equifax use the company 's response from CFPB to move forward with deleting the accounts that were not deleted yet.
Product: Credit reporting or other personal consumer reports

Equifax is reporting two accounts under XXXX XXXX that have been removed from my XXXX report due to inaccuracy. Despite their removal elsewhere, Equifax refuses to delete these accounts. This situation appears to breach the Fair Credit Reporting Act ( FCRA ), specifically violating FCRA Section 611. I am seeking prompt resolution in accordance with this code.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX, ny XXXX XXXX  Fraud Victim Assistance Department XXXXXXXX XXXX XXXX XXXXXXXX, PA XXXX [ RE : Your Account Number XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

AEP AND CREDIT INQUIRIES resulting from the identity theft that should be blocked, by name of the source, Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply. 

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

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I have a XXXX XXXX XXXX XXXX here in XXXX Washington. 
On XXXX XXXX, I received an Auto finance loan from a Company called XXXX in the amount of {$50000.00} ( XXXX XXXX dollars ) .Within sixteen months the principal and interest was paid in full on XXXX XXXX. 
I received a letter from XXXX  that I owed them $ XXXXI asked them to call the local branch here in XXXX Washington where the loan was received and talk to the accounts manager who signed the contract and received payments on the loan but they told me their accounts representative quit her Job and they can not find her, Instead, XXXX asked me to find her and get a letter from her stating that the accounts was paid in full. 
I responded and told XXXX that I can not find her whereabouts if they can not, and she had received my final payments and signed off on my accounts on XXXX XXXX after correcting and error of an applied outstanding balance of {$6400.00}, fund paid that were not applied to the accounts during her off days. 
XXXX submitted this debt to a collection Agency called Caine & Weiner who threatened my company and my family with legal actions and also to destroy my credit with the credit Bureaus, so that I will not get any credit in the future. 
Caine & Weiner had a Law firm called XXXX XXXX XXXX call me and threatened me with a law suit. 
On XXXX XXXX, Caine & Weiner posted a Negative report on my personal credit files ( attached ).
Product: Credit card

I am a victim of identity theft, I have filed a police report, I have an affidavit, someone opened an account with TD Bank USA/Target without my knowledge or consent, I have forwarded all this information numerous times to the creditor and I am being ignored, this account does NOT belong to me! and needs to be removed.
Product: Credit reporting or other personal consumer reports

I have disputed specifically with XXXX because this issue is only with XXXX. Creditors are responsible for correctly reporting information to the credit bureaus. After having my information looked over by a lawyer and looking through the credit reporting laws myself, I want to make sure the closed account under XXXX gets taken off my XXXX credit report. This is important because it has had an impact on my everyday health and wellness. I know XXXX didnt check it because I asked XXXX to send me the information, they used to investigate that the account is accurate. I asked them to send me the documents they used to verify this information and I still have not received any. So, I dont believe XXXX investigated my account dispute deeply. FDCPA Section 809. Validation of debts [ 15 USC 1692g ] states that this information is supposed to be given in under XXXX days. If written notice is not sent within this XXXX period, then XXXX is in violation of the FDCPA. 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. Account # 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 instructions15 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.

I am writing to dispute the following information that appears on my Transunion report : XXXX XXXX XXXX XXXX {$0.00} I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account.

XXXX XXXX XXXX XXXX {$0.00} I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately.

Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance.