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

I was sent Tax information on an amount they never cut me a check for. I called the compant and they never had history of sending the check but are claiming a tax on an amount they did not ever send me and said it was to late to appeal this.
Product: Debt collection

This letter is a formal compliant that you are reporting and incomplete credit information. 
According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file for the account listed As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office.
Product: Credit reporting, credit repair services, or other personal consumer reports

to whom it may concern this letter is in response to negative information that XXXX XXXX XXXX XXXX has placed on my credit report. i contacted experian credit reporting agency i sent then 32 pages of information proving my case against capital was fraudulant and experian refuse to remove the negativity that XXXX XXXX XXXX XXXX has placed on my credit report. i sent them a police report that i filed against XXXX XXXX XXXX XXXX for taking over XXXX $ from my bank account. i sent them proof of on XX/XX/XXXX XXXX XXXX added a fraudulant address to my credit report a address that is not linked to me or have never been linked to me i also sent the pictures of the address that XXXX XXXX added to my credit report i sent the pictures in color so that experian can see that the the house was a old burned down house the address that was added was XXXX XXXX XXXX XXXX XXXX ar XXXX capital one also added a fraudulant email address to my personal information a email that has never been linked to me. me and my lawyer has been trying to contact that email to see who owns it but no response.i have asked experian to please remove all the negative information from my credit report and they did remove some but did not remove all experian also told me that they do not have the power to remove the information even tho they see through the information i sent them that i was telling the truth but that they did not have the authority to remove the negative information i was told that only XXXX  XXXX auto finance have that authority. i have been working really hard on my case showing all proof that XXXX  XXXX is negalant in this matter but experian still refuse to correct the information XXXX  XXXX has ruined my credit and has caused me to become stressed and depressed with what is going on my lawyer and i were hoping that the credit reporting agencies would review all information and would do the right thing and remove and correct the lies that XXXX XXXX auto finance has placed on my credit report ... .my resolution is that experian remove all the negative information that XXXX XXXX has put on my credit report ... .i contacted equifax and they have totally cleared up all the negative that XXXX XXXX had put on my credit report.ATTENTION I WAS WARNED THAT XXXX XXXX COULD COME BACK AND PUT THE SAME NEGATIVE INFORMATION BACK ON MY CREDIT REPORT AGAIN. I WAS WARNED TO WATCH MY REPORT AND HE ALSO SAID THAT HE COULD SEE THAT TRANSUNION AND EXPERIAN WAS GIVING ME A HARD TIME WITH REMOVING THE LIES. HE ALSO TOLD ME NOT TO GIVE UP BECAUSE HE CAN SEE THAT XXXX XXXX XXXX XXXX IS USEING THE SAME TACTIC ON ME THAT XXXX XXXX USED BACK DURING THE HEIGHT OF THE RECESSION AND ALSO MY LAWYER SAID THE SAME THING. I WILL BE FILING OTHER CHARGES AGAINST XXXX XXXX XXXX XXXX SOON.
Product: Credit reporting or other personal consumer reports

On multiple occasions between XX/XX/XXXX and XX/XX/XXXX, USAA denied me auto insurance coverage based on undisclosed underwriting criteria. USAA relies on XXXX XXXX reports to assess eligibility but failed to provide transparency regarding how my report impacted their decision. 

Key Issues : 1 USAA Provided Misleading and Contradictory Statements About Their Underwriting Criteria When I originally asked about their underwriting lookback period, multiple USAA representatives told me it was 3 years. 

However, in a call with a representative from XXXX XXXX XXXX, she admitted that previous agents gave incorrect information and confirmed that USAA actually uses a XXXX review period. 

This misinformation prevented me from making informed financial decisions about my eligibility and coverage options. 


XXXX USAA Contradicts Itself About Whether Underwriting Is " Fluid '' or Fixed The USAA XXXX XXXX representative stated that underwriting is " fluid '' and subject to change. 

However, she also told me I should reapply on XX/XX/XXXX. 

If underwriting is fluid, how can USAA guarantee that date? 

This contradiction suggests that USAA is arbitrarily applying underwriting decisions without accountability or transparency. 


XXXX USAA Uses XXXX XXXX Reports Without Allowing Me to Dispute the Data USAA confirmed in their DOI response that they rely on third-party XXXX XXXX XXXX XXXX assess driving history. 

However, I was never given the opportunity to review or dispute this data before being denied coverage. 

This raises concerns that USAA XXXX be using outdated or incorrect information to unfairly deny coverage. 


XXXX USAA Refuses to Disclose the Accident Threshold for Eligibility When I asked for the number of accidents that result in automatic denial, the USAA XXXX XXXX representative confirmed that USAA does not disclose this information. 

This lack of transparency leaves consumers in financial limbo, unable to know when they will qualify again. 

Without a clear standard, USAA can arbitrarily deny coverage without accountability. 


Given that state regulators ( DOI ) have confirmed they do not oversee underwriting decisions, I request that CFPB investigate XXXX lack of underwriting transparency, improper use of consumer reports, and misleading communication regarding eligibility criteria. Without clear regulatory oversight, USAAs arbitrary denials create unfair financial harm to consumers who are left without insurance options. 

If needed, I can provide a transcript of my conversation with XXXX XXXX XXXX, where they admitted their agents previously misrepresented their underwriting policies and that their criteria remain undisclosed to consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is a terrible, awful company. Due to a chain reaction of events caused by Equifax 's own failures, I am currently unable to lift a security freeze to apply for an auto loan. 

I currently have a security freeze on my Equifax credit file. I needed to temporarily lift the freeze to apply for an auto loan. On Friday evening XX/XX/2020 I attempted to login to the my.equifax.com website to control my security freeze. For some unexplained reason, the Equifax website would not authenticate my account using my correct ID and password combination. ( The same ID and PW combination previously worked perfectly a few weeks ago when I needed to lift the credit freeze to apply for a mortgage ). As a workaround on XX/XX/XXXX I then tried to authenticate my identity through Equifax 's automated telephone system. I answered all the authentication questions correctly. However, for some unexplained reason again Equifax was unable to confirm my identity through that method. Accordingly, Equifax decided to lock out my account permanently. 

To try and resolve this issue, I was only able to talk to a human customer service representative from XXXX Eastern time on weekdays. I talked to an Equifax agent the next Monday XX/XX/XXXX, after waiting in a telephone queue for over 2 hours. 

According to the Equifax representative, my only available option was to send a copy of my drivers license and social security card with a cover letter requesting Equifax to lift the security freeze. I was told that Equifax would send me a letter through the mail with further instructions to contact them to confirm my identify after receiving my request. This process would take 7-10 business days through the mail. 

Equifax can not be trusted with the basic ability to run a website, properly authenticate my identity and allow me to control the security freeze as I determine. Of the 2 times I have needed to control my security freeze, 50 % of those times ended in failure. The risk is too great that this will happen to me again. As a consequence of this experience, I intend to take whatever steps necessary to permanently remove the Equifax security freeze ; and I will never again place a security freeze with Equifax in the future. As you can appreciate, this result is entirely contrary to the purpose for offering a security freeze in the first place, and as a result of Equifax 's incompetence, my credit file will remain at risk.
Product: Money transfer, virtual currency, or money service

I am filing a complaint 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 proce 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
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 would violate the consumers financial protection act ( CFPA ) pacifically Cash App failed to take timely an effective measure to prevent address fraud on their platform leaving my account vulnerable and unprotected furthermore their resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electronic and fraud transfer act ( EFTA ) and regulation E.these actions have caused significant inconvenience and financial loss and I seek the proper redress for these violations.
Product: Credit reporting or other personal consumer reports

The date of the first delinquency that you have does not match the date that I have. Under 15 usc 1681b.e. You must provide maximum possible accuracy and Im taking into consideration the cfpb is suing you as well Im also requesting full disclosure of the XXXX of my profile
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach and several fraudulent accounts have appeared on my credit report. As a result, I am requesting that these accounts be blocked and deleted from my credit file in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ).

Accounts to be Blocked and Deleted : XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$25000.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$25000.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$5100.00} XXXX XXXX XXXX XXXX XXXX XXXX  - {$28000.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$11000.00} XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00}
Product: Credit card or prepaid card

American Express are discrimination against me due to my XXXX under the American with disabilities act title III regarding my request under the Fair Credit Billing Act and the Federal Arbitration Act regarding the terms and conditions of the Credit Card agreement.
Product: Checking or savings account

This complaint is in regards to overdraft fees associated with an RBS Citizens Bank checking account. I have already tried coming to a resolution directly with RBS Citizens Bank, but was unable to resolve the issue.

I have previously confirmed directly with RBS Citizens Bank phone representatives and multiple bank tellers that RBS Citizens Bank 's checking account overdraft policy is that if any account becomes overdrawn on a business day, as long as the account holder makes a deposit or transfer into the overdrawn account by/or before XXXX EST on the day the account became overdrawn, an overdraft fee would not be charged. 

After I reviewed my account statements in detail, there are a total of 6 overdraft fees, at {$35.00} each, that RBS Citizens Bank has assessed to this checking account. All 6 of these fees were charged on transactions that overdrew the checking account, but the account balance was brought into a positive balance, by a deposit being made, prior to XXXX XXXX on the day of the overdraft.

By Citizens Bank 's overdraft policy, there should not have been six {$35.00} overdraft fees assessed for these transactions on the attached dates.

I have attempted numerous times to resolve this with RBS Citizens Bank phone support representatives.

Their standard reply is that they can not reverse overdraft fees. I have replied that I am not looking for a valid overdraft fee to be reversed, that the fees were not correctly assessed by RBS Citizens Bank.

I have been unable to resolve it directly with RBS Citizens Bank.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

A personater from Chime took information from me when I thought it was the original Chime provider to request a XXXX XXXX loan. The personater took various information matters from me ( social security number, state ID info, and social internet info, other debit cards info ) they then proceeded to take money out my Chime account. They robbed me of money out of my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/XXXX unauthorized hard pulls and XXXX XXXXr XX/XX/XXXX same reason. XXXX XXXX XX/XX/XXXX same reason and XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX same reason. XXXX XXXX XX/XX/XXXX same reason. 
XXXX XXXX XX/XX/XXXX same thing. XXXX XXXX XX/XX/XXXX. 
I did not authorize the child support department to put nothing on my personal credit I never gave the my ssn. XXXX XXXX I never authorized them im unaware of this its not me. XXXX XXXX I this is unauthorized I don't know this place
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX XXXX : // XXXX All Acccounts Have Violated My Rights 15 U.S.C. 1681 section 602 A. States : I have a right to privacy.

15 U.S.C. 1681 section 604 A section 2. States : A Consumer Reporting Agent can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) States : No Consumer Reporting Agent may make any Consumer Report containing any of the following items of records of information, any other adverse information, other than records of convictions of crimes which antedates the report by more than XXXX years. 
15 U.S.C. 1681's-2 ( A ) ( 1 ) States : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reason to believe that the information ins inaccurate.
Product: Credit card

Company erroniously holding processed certified funds and refusing to release them to the account
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continues to submit accounts that are not on Mater promissory note for dates I was not in school.
Product: Debt collection

Debt was paid off in 2019. Should be removed from credit file and dispute removed.
Product: Credit reporting or other personal consumer reports

This MoneyLion account ( ending in XXXX ) is being reported with conflicting and incomplete information. The account is listed as both Paid and Charged Off, which is inaccurate and misleading. If the balance was paid or settled, it should not be reported as a charge-off.

Additionally, there is no monthly payment listed, and the current balance field is left blank. This makes the report incomplete and unverifiable, in violation of FCRA Section 611 and 623 ( a ).

Furthermore, charge-off notations appear in the same month the account was marked closed, raising concerns of incorrect timing or re-aging. 

I am also filing this complaint against XXXX for continuing to report inaccurate, incomplete, and misleading information. Despite my efforts to dispute and correct these accounts, XXXX continues to report them without proper verification or correction. This has caused damage to my credit, including denials, score suppression, and emotional distress.
Product: Credit card or prepaid card

I bought a XXXX XXXX XXXXXXXX from XXXX on XX/XX/XXXX. I realized when I got this that this was not the one I wanted and so I organized to return it via XXXX pick up. I generated the returned through the XXXX app and returned the item via XXXX pick up at my home on XX/XX/XXXX. After several weeks, I contacted XXXX concerning my refund and was told I would have to wait a certain amount of time for the warehouse to receive the item. XXXX never scanned the item upon pick up so the tracking information never updated. After countless back-and-forth between XXXX and myself they continue to tell me I needed to wait months for my refund. I decided to then dispute this with my credit card company. ( Bank of America ). I let my bank know that I had the receipt from the XXXX driver when he picked it up at my house on XX/XX/XXXX. I provided all information to both XXXX and my bank concerning my return. After several months, the dispute with my bank was overturned in XXXX favor. I reached back out to XXXX and was told they needed to contact their chargeback department which I did through email. My bank told me in the letter that the reason why the dispute was overturned in XXXX favor is because they brought forth documentation saying that I received the item. This was not what I was disputing because I received the item on XX/XX/XXXX, however, I returned it via the XXXX apps instructions for XXXX pick up on XX/XX/XXXX. I don't know why Bank of America decided this in XXXX 's favor because they claim I received the item and didn't even acknowledge the real reason I was disputing this case, and it was due to the return of the item. I still have the receipt from the XXXX pick up and I want my refund of {$160.00} from XXXX. They continue to tell me I need to contact my bank and I am not getting any assistance from my bank on reopening the claim. I even filed a claim with XXXX under the tracking number. The tracking number for the XXXX pick up that I sent back is XXXX XXXX XXXX XXXX XXXX XXXX. I have opened a claim under this tracking number for my return and have got no resolve.
Product: Debt collection

The original creditor that 's attempting to collect a debt goes by the name of Santander. I have never done business with this company or even heard of them prior to the account hitting my report. I called in to customer service over a year ago to try to retrieve information about the account that was reporting and was told I could only retrieve information with a police report.I filed a report and faxed it in. I Called back after receipt and was given the name of the dealership where the account was purchased and the address. Upon googling, the business was in Louisiana and I have live in Texas s ince 2011. I re ached out to the dealership and they were no longer in business.I proceeded to dispute the account and it was removed from my reports but only for ab out 4 -5. Now the y 're attempting to collect under another name. Everytime I reach out for debt validation, I 'm simply being mailed a letter stating it 's been validated. To date I have received no signed contracts, no identification that the car would have been purchased with, or anything tying me to this debt. CAN YOU PLEASE FORWARD TO ME THE DOCUMENTATION YOU CLAIM WAS SUBMITTED TO ME IN AN ATTEMPT TO VALIDATE THIS SAID DEBT. BECAUSE I HAVE NOT RECEIVED ANYTHING OUTSIDE OF A LETTER SAYING IT WAS VALID. I HAVE NOT RECEIVED ANY DOCUMENTS OR A CONTRACT WITH MY SIGNATURE!
Product: Checking or savings account

Capital one bank didnt call me or investigation correctly and they refused to call me thru XXXX and they feel that third party and being discriminated by hearing impaired without any explained and make up the story and not to bother and record by sign language interrupter thru fcc law requires for all company to used it but they refused to do so and very strong discrimination and deceived by staffs and I deposit the check was fraud by loans dept that capitalone bank told me to go head deposit and do it and capital one staffs made false statement with me no reason That banker is very rudeness and refused to calls or check with me first and I already filed police report against capital one bank staffs for giving me false statement by banker
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE ASKED XXXX ; XXXX TO REMOVE ME OFF THE ACCT AND CREDIT REPORTS. 

ACCT # XXXX XXXX XXXX SS # XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, I am filing this CFPB Complaint to notify you that I have fallen victim to identity theft. After doing some research, I learned that I must contact the FEDERAL TRADE COMMISSION or visit https : //www.ftc.gov to file a report. According to section 605b of the FCRA, Credit Reporting Agencies are mandated to delete all accounts and information listed on an ID THEFT REPORT. Upon receiving a copy of my credit report, I was alarmed to discover that there are numerous accounts that I did not open nor have any knowledge of. Please find the ATTACHED documents to help in blocking the erroneous information being posted on my report. The items in question are as follows : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} 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 XX/XX/XXXX. I affirm that I did not open any of these accounts or give anyone permission to do so on my behalf. I am convinced that this is an identity theft case, and I am taking measures to report this to the authorities. According to FCRA Section 605B ( a ), CREDIT REPORTING AGENCIES should block any data in a consumer 's file that the consumer identifies as information arising from identity theft within four business days of receipt.