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

Subject : Complaint Regarding Non-Response to Credit Disputes Dear CFPB, I am writing to file a formal complaint against the credit bureaus for their failure to respond to my credit disputes in accordance with the Fair Credit Reporting Act ( FCRA ). I have submitted multiple disputes regarding inaccurate information on my credit report, but I have not received any response or resolution within the required timeframe. The details of my disputes are as follows : XXXX XXXX XXXX : XXXXVerify the accuracy of this dispute or delete this immediately. 
XXXX XXXX XXXXThis account was never late. This account is paid as Agreed. Remove late payment immediately. 
XXXX XXXX XXXXVerify the accuracy of this dispute or delete this immediately. 
XXXXVerify the accuracy of this dispute or delete this immediately. 
XXXX  XXXX Verify the accuracy of this dispute or delete this immediately. 

Despite my efforts to resolve these issues directly with the credit bureaus, I have not received any acknowledgment or corrective action. This lack of response is causing significant harm to my creditworthiness and financial well-being. 

I kindly request that the CFPB investigate this matter and take appropriate action to ensure that the credit bureaus comply with their legal obligations under the FCRA. Please provide me with updates on the status of my complaint and any actions taken. 

Thank you for your prompt attention to this matter. I look forward to your response.
Product: Vehicle loan or lease

I sent in a large auto payment and Wells Fargo received the check on XX/XX/XXXX. They did not apply this payment to my loan and it is XX/XX/XXXX. They have taken the funds from my account on XX/XX/XXXX. I called to remedy and they said that is how it works, they take customer funds first then apply the payments, especially when it is a large amount. They now are telling me it will take 48 hours to research this. 
I submitted a complaint to the executive office and they told me it will take 10 days to resolve my complaint. 

This is not right, I should have seen my payment on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX the consumer gave XXXX 3 NOTICES to delete information from my credit report. I have evidence of them removing and putting back. 15 U.S.C. 5802, I never received disclosures to opt out, I need that to be done as well. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. FCRA 15 USC 1681 accuracy and fairness of credit reporting ; the congress finds the following findings : An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. This is the law that governs my consumer reports/credit reports. Proof that your Credit Reporting Agency is the information highlighted on my credit report. Accuracy means all values are deemed correct, so accuracy is a measure of value. Value can only be determined by a human being/living being/natural person. So when congress references accuracy, they are leaving it up to me to determine whether my credit reports are of any value to me. Fairness is no one person is taking unjust advantage of another. So when congress references fairness, they are asking you me to decide whether my reports are just and if someone is taking an unjust advantage of you. XXXX, XXXX and Experian have all been notified. They are in violation of PRIVACY ACT OF 1974 : No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ). I NEVER gave you, XXXX, XXXX or Experian any written instructions to furnish any information on my consumer report which is a violation of 15 USC 1681b. XXXX has caused severe stress and anxiety due to the abusive and unfair practices. No one is allowed to have or purchase my information without my consent. This is an infringement upon a consumers right to privacy. 15 USC 1692 it references individual privacy fall under abusive practices. 15 USC 1692d The use or threat of use of violence or other criminal means to harm, the physical person, reputation, or property of any person. There are 4 missed payments listed for XXXX and Experian. XXXX has 34 missed payments. According to the FCRA is {$1000.00} per violation. I want to be compensated along with compensation for Emotional Damage and Humiliation.
Product: Money transfer, virtual currency, or money service

Good afternoon, From my coinbase wallet on XX/XX/XXXX {$20000.00} was taken I was told in order to receive my money back I need to pay another {$9000.00}. I was participating as I was told in mining Ethereum coin I was promised to 2 % of income on my deposit on the website XXXX Not at any given moment I gave permission for my money to be taken out of coinbase wallet. 
I tried to talk to customer service but they told me that my money are frozen and need to deposit more money in order to receive my money back. 
As for coinbase they have responded that the money are not insured by them.
Product: Vehicle loan or lease

My credit was pulled without my permission multiple times! I need all these deleted off my credit report
Product: Mortgage

On XX/XX/XXXX, SLS received a completed Request for Mortgage Assistance application. SLS then received my XX/XX/XXXX payment and held it as unapplied funds due to my pending Request for Mortgage Assistance application. 

Pursuant to investor requirements for loan modification, my XX/XX/XXXX payment was applied to principal only on XX/XX/XXXX and not the contractual monthly payment for XX/XX/XXXX. 

Because of the investors requirements for loan modification stated above, SLS is unable to reverse my XX/XX/XXXX payment from principal only and reapply to the contractual monthly payment. 

SLS recd a single payment ( on XXXX XXXX ) of {$570.00} and kept this payment in unapplied funds. This payment should be applied to the XXXX mortgage invoice/payment. 

After completing the loan modification updates on XX/XX/XXXX, my account became due for the XX/XX/XXXX contractual payment. SLS subsequently received the following payments : - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX ( 2 ) payments I had to make ( 2 ) mortgage payments for the month of XX/XX/XXXX to bring my account current. This is because SLS did not apply my XXXX payment back in XXXX. That action ( not applying my XXXX payment ) placed my account ( 1 ) month in arrears.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I have some fraudulent items on my credit report that do not belong to me and I do not recognize, nor did I authorize them. Can you please delete and block the following information on my credit report. XXXX, Equifax and XXXX refuse to follow the rules set out by the FCRA and the CFPB. If they would investigate the accounts properly they would see that the accounts don't belong to me.
Product: Mortgage

I meet all the criteria for a loan .... the underwriters for TD Bank took nearly a month to evaluate..I was asked to right and send a letter in detailing why my income was low this year from previous years ( W2s ). I stated I was a victim of the XXXX epidemic like most people and my jobsite was closed down for 3 months being in XXXX. I denied the loan because of insufficient income..
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on my EQUIFAX credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including billing statement and identification. Thank you for your prompt attention to this matter. 

The long list of INCORRECT Addresses that should be deleted are : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX  XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX and XXXX XXXX XXXX XXXX XXXX, GA XXXX. 


I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Onemain financial is reporting that I have a balance remaining my check was garnished account has been paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

Between XX/XX/2022 and XX/XX/2022, an inquiry made by CAPITAL ONE BANK USA was added to your credit report. 

Applying for a new line of credit will usually result in a hard inquiry on your credit report. You could also see inquiries from applications for a new apartment, phone or utilities account. Each hard inquiry will typically lower your score a bit, though the effects often wear off after a few months. 

I never apply for Capital one bank USA.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices. Which violates 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: Checking or savings account

My complaint against Chime Bank, they miss up my money for the second time and refuse to investigate, lack of transparency and fraud involved. 
I stayed in XXXX XXXX XXXX  and paid & XXXX security deposit that they didnt pay me back when I left on XXXX, XXXX, and when I called them on XXXX, XXXX to release my security deposit, they deducted more money of {$210.00} and {$120.00} from my debt card and stopped answering me. 
I called Chime bank to dispute it and provided evidence about the receipts, chime bank rejected to investigate it, and I found wrong balances in my online statement. 
So chime bank should dispute thr {$150.00} security deposit and {$130.00} and {$210.00} deducted after I XXXX XXXX XXXX  10 days. But they didnt care By the way, this is the second time chime bank mistreat and miss up with my money. In XX/XX/XXXX, I was in a hotel in XXXX XXXX and they deducted more money deducted {$300.00} by mistake from my card, it took chime over 4 months to return the money also they gave me misleading responses such as we left they refund on the credit builder account however this account is closed, or they said to me we will send it by check and never received a check. They put me waiting for hour waiting for a response and keep transferring the line from one to another without me getting firm result. 
Chime bank is connoting fraud and promote XXXX, I need investigation for that.
Product: Vehicle loan or lease

Leased a   XXXX   XXXX   XXXX   from a local dealership who ran the lease through Ally. Turned the car in on a pull ahead program and the day we turned it in Ally electronically took another month 's payment (   XXXX   ) out of our account. Was told we would get that payment back since we no longer were leasing that vehicle. Ally just sent me a letter saying the lease was satisfied, but when I called them to ask about the refund for the month going forward they claimed they do n't owe me anything.   XXXX    fired Ally some time ago and  XXXX  claims this is just Ally getting back at them and they have no responsibility.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 XX/XX/2019 XX/XX/2019 I have reached out to BOA and the three credit breaus because there are several missed payments showing on this credit card and I have never owned this credit card, so the data on the card shows that I have been delinquent and this was a card not authorized by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I sent Second Round Sub , LLC a letter letting them know that the information that was requested of them was invalid and that they needed to stop reporting negative information to my credit reports and the accounts should be closed and removed from my credit reports. Second Round Sub did not provide the proper proof for the accounts. They only sent me a print out of a bill, which is not valid proof of verification according to FTC opinion letter from Attorney XXXX XXXX XXXX. I sent this information to Second Round Sub , LLC and they continue to report negative information to my report and did not respond to my letter with the proper information, which is a continued violation of FCRA. Their reporting is a violation and continues to prevent me from moving forward with my life and preventing me from providing a better life for my family. Than you in advance for all of your help.
Product: Vehicle loan or lease

I was accepted for a car loan through American Credit Acceptance in XXXX. The amount loaned was about {$8000.00} at a high interest rate. It is now XXXX and my work has been affected by the pandemic leaving me unemployed for about half of the year in XXXX. I have paid over {$12000.00} on my car that is now only worth {$2500.00} according to XXXX. I offered to pay them {$3000.00} coming to over {$15000.00} to settle and pay off the car in full. They rejected my offer after explaining my situation and that i have paid over {$3000.00} in repairs. I can not refinance the car due to its age and mileage. When i called the pay off was {$5400.00} and even though i have been affected by this pandemic they still did not accept my offer. I believe this is Bad Business Practice as i have already paid so much over what was loaned and what the car is worth. I do not want to file for Bankruptcy so please be more compassionate during these times. I offered them more than a fair amount only to get rejected and taken advantage of. This is a Predatory company taking advantage of people who are already going through hard times.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Name Is XXXX XXXX Today Date Is XX/XX/2020 ( I'm The Only One Writing This Complaint!!! No Help By A Attorney Or Credit Repair Agent ) ) I've Been Having Trouble With These Inaccurate, False And Fraudulent Information That Don't Belong To Me I've Contacted My Local Police And Made A FTC Report Number : XXXX Ive Also Contacted Experian and XXXX XXXX XXXX XXXX About The Fraudulent I Spoke To A Lady By The Name Of XXXX And She Told Me That My Account Didn't Match What They Have That This Account Might Be A Mix Up Credit File Or Fraud And She Was Going To Update And Remove The Account, I Waited 60 days After That I Contacted Experian Updating Them With The Information But Experian Failed To Remove The Account I've Disputed This Same Account XXXX XXXX  Experian Updated My Account Saying Its Verified When I Call To Get A Explanation Experian Told Me That Its A Computer Generated I Was Very Disappointed XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX ( 103 true Identity theft ) 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 Please block this information from report!!
Product: Credit reporting or other personal consumer reports

Capital One Auto Finance account ( Account Number : XXXX ) - I am disputing all information being reported to credit reporting agencies regarding the Capital One Auto Finance account ( Account Number : XXXX ). The report lists a balance of {$23000.00}, balance updated on XX/XX/XXXX, original balance of {$40000.00}, paid off XXXX  %, $ XXXX  monthly payment, an account was opened on XX/XX/XXXX, with the last payment date of XX/XX/XXXX, terms XXXX  months, status open, and responsibility individual. The payment history shows XXXX late payments which are incorrect. Under the Fair Credit Reporting Act ( FCRA ), only accurate and verifiable information should be reported. Please investigate this account and remove the incorrect details, including the late payments. If the information can not be verified, it must be deleted per FCRA Section 611. Please investigate and review all and any recent statements and payment records, including the most recent credit report.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I was made aware of XXXX transactions being made from my account without my knowledge or consent from XX/XX/XXXX XXXX XXXX, XXXX. I contacted Wells Fargo about the transactions and made it clear I did NOT make those transactions and that I do not use XXXX. Over {$3000.00} was taken from my account! The agent decides to only file XX/XX/XXXX of the transactions and the claim was denied for that reason ( per the agent I spoke to 10 days later ). They then proceeded to close the account and would not discuss the issue further. I filed an executive complaint which did not help. On XX/XX/XXXX another claim was filed with the correct transactions ( all 20 ) and again they denied it without providing reasoning. Now today ( XX/XX/XXXX ) I have been hung up on by agents and told they can not get my funds back nor explain to me what happened. I just want my funds back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Acima, a company I have never done business with and never heard of in my life, has reported false information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Product: Debt collection

I have negative reporting on my credit report from IQ Data International in reference to monies owed to an Apartment complex in the state of Georgia. I told them it was not me and that I never lived in Georgia. I used to date a young lady there and she and her family members took it upon themselves to forge my name on an apartment and a utility billing addendum. When I contacted the credit bureaus they just said the debt was validated. I asked for a copy of the lease agreement but they had the collection agency to send me what they are using as proof of validation which was not an apartment rental lease agreement but only an utility billing addendum. When I saw what they provided, it was clearly not my signature. My name was printed out not signed and the other parties on the utility addendum had signed signatures. I responded to the credit bureaus and the collection agency with a letter in which I both signed and printed my name. I also sent them a copy of my drivers license and social security card showing the signatures did not match. They are still reporting this and I asked that it be deleted. Anyone can walk in with others and say they are me and print my name on a document but if there isnt a signed lease, thats because I was not a tenant in that apartment unit. I want that debt removed from my credit report immediately. 
Thank you