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

I have spoke to Toyota financial services numerous times about my issue with paying on my loan unfortunately for myself I have lost my job due to corona virus 19 and I have been doing everything in anything that I can do to pay something towards my loan in the beginning I was able to make the payments and I follow through with paying them on time when corona hit unfortunately that changed they gave me two payment extensions and thats about it they took off some fees totaling of {$78.00} my car note is {$550.00} per month and I am unable to pay them and Im getting threatening calls and theyre gon na repossess my car or if I dont pay this big lump some of the car which is {$21000.00} I cant afford that I havent found a job yet the job market is absolutely horrendous I keep calling to try to get an extension or some type a payment plan and theyre not even willing to work with me with that I have been paying {$200.00} every two weeks because thats what Im collecting from unemployment and thats all theyre giving me right now and then I also have to pay 25 % of my rent and then my other bills this is something I never thought I would ever be in my life I am scared I dont wan na lose my car but how do I go find a job when they take my car for me and they want me to go to work I dont know what to do anymore Im stuck at this position where theyre threatening me and Im scared and I dont know what to do I need someone to help me to let these people know that they cant do this its not my fault that I dont have a job its not my fault that this has happened to the world like this is not my fault and Im about to lose what I have for no reason at all Im trying to do the best I can with the money that I barely get from unemployment its not even a lot it covers nothing I get {$400.00} every two weeks thats {$800.00} a month and my car note is XXXX for my rent is XXXX My cell phone bill credit cards electricity gas it goes on and on but I need to stop Toyota financial from re-pulling my vehicle for me trying to stop getting work I need to be able to get work I need my car to go and get work Please and thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was looking over my credit report recently and found a bankruptcy and am requesting you reinvestigation. XXXX, XXXX Equifax and XXXX all say they information was verified. i contacted the clerk of court and they told me that they don't verified any personal information XXXX XXXX BANKRUPTCY, Docket # XXXX Docket # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Couldnt verify original contract with my wet signature, payment history they couldnt supply me with and proof of ownership
Product: Debt collection

This company has been calling my family members, work cell phone, leaving messages and telling family members they are trying to contact me. When i ask for a certified copy of any paperwork they say tthey will only email me they will not provide me a copy via certified mail. I have provided an updated phone number and they continue to contact family members even after speaking to me and will not stop. They claim it is for a credit card debt with capital one that was supposedly charged off in XX/XX/XXXX. I filed bankruptcy in XX/XX/XXXX and had no record of this debt on credit report. Additionally i have contacted capital one many times and they claim to have no record of the debt. I have asked numerous times for a mailing adress so i can send a cease and desist letter and they wont provide address. Lastly i have been hung up on and had them be extremely rude to me raising voice shouting telling me they arent there to remind me of debt and i need to pay my bills. The ammount they claim owed has changed 4 times since talking to them. I have multiple people who can verify this as they have been in the room with the collector on speaker phone.
Product: Money transfer, virtual currency, or money service

Certainly! Heres how you can frame your complaint for an online submission to the Consumer Financial Protection Bureau ( CFPB ) : -- - **Complaint about Unjustified Account Closure by Cash App** **Account Information : ** XXXXXXXX XXXX XXXXXXXX XXXX XXXX ( XXXX ) XXXX I am writing to report an issue with Cash App, which has unjustifiably closed my account without any clear explanation. On [ insert date ], I received a notification that my account had been closed. Cash App has not provided any specific reason for this action, nor have they given me a chance to address any concerns or issues that might have led to this closure. 

**Details of the Issue : ** XXXXCash App failed to provide a clear explanation for the closure of my account. I have not been informed of any specific policy violations or reasons behind this decision. 

XXXX.I did not receive any prior warnings or notifications indicating that my account might be at risk. This lack of communication prevented me from resolving any potential issues beforehand. 

I have made multiple attempts to contact Cash App 's customer support to seek clarification and resolve this matter. Unfortunately, I have not received any satisfactory responses or solutions. 

**Requested Resolution : ** XXXX.I request that my account be reinstated. 

XXXXI seek a detailed explanation for why my account was closed, including any specific actions or policies that led to this decision. 

XXXX.I ask that Cash App review their procedures to ensure transparent and fair handling of account closures in the future. 

I would appreciate your assistance in addressing this matter and facilitating a resolution. Thank you for your attention to this issue. 

Sincerely, XXXX XXXX XXXX Make sure to replace placeholders with your actual details and adjust any information to better reflect your specific situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE ACCOUNTS AND ADDRESSES NEED TO BE DELETED AND REMOVED UNDER THE FCRA 15 USC 1692. I HAVE NO KNOWLEDGE OF THE REPORTED ADDRESSES NOR ACCOUNTS PLEASE DELETE AND REMOVE THESE ACCOUNTS AND ADDRESSES FROM MY CREDIT REPORT I AM NOT ABLE TO OBTAIN ANY CREDIT IN MY NAME BECAUSE OF THIS MANNER. MY ONLY ADDRESS I HAVE CONTACT WITH IS XXXX XXXX XXXX XXXX, DELAWARE XXXX. PLEASE REMOVE AND STOP REPORTING ALL INCORRECT INFORMATION I HAVE DISCLOSED IN MY LETTER
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. These accounts have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 602 A. Section 2 : It also states a consumer reporting agency can not furnish an 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 if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX INQUIRIES : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX 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 XXXXL XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION INQUIRIES XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  INACCURATE ACCOUNTS 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 XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INACCURATE ACCOUNTS : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 TRANSUNION INACCURATE ACCOUNTS : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to poor customer service and unfair practices which violates the Consumer Financial Protection act ( CFPA ). Specifically, Cash app failed to protect my privacy & failed to prevent address fraud in their platform, leaving my account vulnerable and unprotected also 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. Their actions has caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Best Regards : Next, I will share with you a letter that I have sent to the Credit Bureau XXXX Experian XXXX and to the Collection Agency " XXXX XXXX '', this letter can be consider as a complaint letter and it will provide you with the details of my complaint. 

Credit Reporting Bureau : Experian Address : XXXX XXXX XXXX XXXX, TX XXXX Dear Sir or Madam. 

The collection account that was recently placed on my credit report on XX/XX/XXXX under the name of XXXX XXXX  account # XXXX was previously Reported as Fraudulent and Deleted on the credit report of XX/XX/XXXX and your report # XXXX shows these item was deleted from my credit file. Now these items have been reinserted on my credit report. 

In accordance with the requirements of the FCRA as stated below, I am hereby requesting your complete compliance with any and all of the provisions : *FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] *Requirements relating to reinsertion of previously deleted material.

*Certification of accuracy of information. If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate.

*If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date.

( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information.

I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your agency may avoid such action by immediately deleting this listing from my credit report.

Thank you.
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 confidentiality under 15 USC 1681.

Account : 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 an 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has somehow deleted my entire credit report and creditors are not able to access my credit. I noticed this back in XXXX XXXX which I placed a call to their customer service department explaining that I could no longer access an updated copy of my credit report. I have important financial transactions that have been declined due to their carelessness handling my credit report. I called now three times and the customer service representatives are saying that they have nothing in the system even after manual attempts to locate my report. Today XXXX states that she can't see anything at all. I am asking to have Equifax regenerate my Equifax credit report and delete the fraud alert as well that I have asked them to remove several times and it is still reflecting. I have attached my identification information and the last Equifax update in hopes that this helps get my issue resolved.
Product: Debt collection

There is an inaccurate collection on my report that can not be validated.
Product: Debt collection

I was late on an account from XX/XX/XXXX to XX/XX/XXXX with LoanDepot. I subsequently made the three missed payments and have been up to date and current since then. However, I received a collections letter from XXXX XXXX XXXX XXXX with the amount for the LoanDepot loan on or around XX/XX/XXXX. XXXX XXXX XXXX XXXX has reported this as a collection account on my credit report. I have spoken to them several times, On XX/XX/XXXX, XXXX and XX/XX/XXXX. They advised me that they own the account but to keep making payments to LoanDepot. I spoke with LoanDepot on XX/XX/XXXX and XX/XX/XXXX. They advised me that they own the account and did not know who XXXX XXXX XXXX XXXX was. I never received an opportunity to validate this debt with XXXX XXXX XXXX XXXX. They refused to provide me a copy of the original validation letter on XX/XX/XXXX. I have disputed this account with all three credit bureau 's but they did not remove this account. Attached is proof i have been making payments to LoanDepot and not XXXX XXXX XXXX , XXXX. LoanDepot did move to a new computer system in late XXXX, I am not sure if this affected my loan and caused errors, it is very disturbing.
Product: Money transfer, virtual currency, or money service

I am unable to link my bank account to XXXX  and am unable to purchase digital currency.
Product: Credit reporting or other personal consumer reports

I looked over my consumer reports and i did not give consent of these accounts to be furnished on my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is ridiculous Experian is refusing to remove false information from my credit report from Impact receivable management I have not knowledge of this account, XXXX XXXX, XXXX Remove the accounts Except Experian I will hire a lawyer if I have to because I am being denied opportunities thats are hurting me when this account is not mine
Product: Credit card

On XX/XX/XXXX my account was credited in the amount of {$2800.00} for fraudulent charges that had been charged to a reported lost credit card. On XX/XX/XXXX the credit was reversed and my balance went way past its limit. I made a payment of {$5000.00} which posted on XX/XX/XXXX. The payment was never credited to my account. After months of going back and forth with customer service in good faith I decided to mail in my payment of {$870.00} on XX/XX/XXXX which was currently past due. On XX/XX/XXXX I received a notice that they received my documents but failed to process payment or credit my account. I asked them to return my payment if they were not going to process it and I still have not heard from them. Instead they have reported to the credit bureaus that they have closed my account.
Product: Credit reporting or other personal consumer reports

There are ( 2 ) " hard inquiries '' on my credit report that " I didn't not authorize '' or have knowledge of. 
( 1 ) XXXX XXXXXXXX ... hard inquiry on XX/XX/2023 ( 2 ) XXXX XXXX ... hard inquiry on XX/XX/2023 There are also ( 2 ) " collections '' from agencies whom aren't authorized to bill me as I have had no contact with said agencies. They are " third party '' bill collectors. I have no knowledge of these agencies or their functions. These accounts were supposedly settled and closed. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX. Inquiry : XXXX XXXX, XXXX. Inquiry : XXXX XXXX, XXXX XXXX Credit/Off lease XXXX XXXX XXXX US SM Bus Admin ODA Inquiry : XXXX, XXXX, XXXX. Inquiry : XX/XX/XXXX. Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX. Inquiry XXXX XXXX, XXXX. Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Inquiry : XX/XX/XXXX XXXX
Product: Debt collection

This company, Velo law did not properly serve me a summons. The summons was left with a family friend and was not signed for and the officer ( or person she described dressed in a police officer uniform ) told her that I didnt not come get the packet from her as soon as possible and respond I could be going to jail and its possible I already I have warrant out for my arrest. I immediately called this agency to try to handle this and I was advised that I first had to pay for them serving me before anything could be handled and they also needed a financial statement from me. Also the amounts they are suing for are incorrect. Also the original creditor says another company holds the debt. The place they claimed they served me is not where I live its just my mailing address. I was not there and did not receive the summons nor was it signed for
Product: Checking or savings account

On XX/XX/XXXX I attempted to deposit {$700.00} cash into a USAA ATM. In the middle of the transaction the machine went down and the screen went black. It kept my cash, card and did not give me a receipt. I called the number on the atm immediately and waited. I explained everything that happened and was advised I would receive a provisional credit. On XX/XX/year> USAA reversed the credit stating they did not find my cash. After doing some research, I have found this has happened to multiple people. This specific machine goes down all the time and I can show proof. Please help me get my funds back.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in Cushman v TransUnion, Stevenson v. TRW ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX
Product: Credit reporting

In XXXX 2016 my entire tax packed mailed by my CPA was stolen form the custody of the US Postal Service. I reported this theft to the Inspector General of the US Postal Service and received a case number. ( see copy enclosed ) I requested a 7 year Extended Fraud Alert from XXXX and they and XXXX place this on my credit report, and confirmed in writing. ( see copy enclosed ) Equifax has never responded in writing or via e-mail to my request for a 7 year Extended Fraud Alert. On XXXX XXXX, 2016 I sent a written affidavit requesting an Extended Fraud Alert to Equifax via Priority Mail. The mailing included a copy of my WY Photo Drivers License, Social Security Card, a Joint Banking Statement with my husband XXXX XXXX XXXX, and a completed Equifax Form requesting the 7 year Alert. ( See Copy of Receipt with Tracking Number ) Equifax never responded in writing or via mail once again to my dispute or request. On XXXX XXXX, 2016 my husband XXXX XXXX XXXX spoke with " Equfax, XXXX, XXXX ''. Equifax advised that only my husband received a Dispute Number XXXX, and because my information was included with his no action was taken by Equifax , or even an acknowledgement of my letter signed by me as a seperate individual. Equifax advised my husband they could see the scanned documents including my letter, photo id, social security number, etc. in file Number XXXX. Equifax advised my husband to have me call them direct, which I did on XXXX XXXX, 2016. I spoke with " Equifax , XXXX, Fraud Department '' on XXXX XXXX, 2016. She advised me I needed to send in a separate letter as Equifax would not respond to my dispute. Equifax advised me they have assigned Case Number XXXX to my dispute and they would only put a 90 day temporary Fraud Alert on my file. Equifax told me the IG US Postal Service Report was not a Police Report, and would not be excepted. I dispute the following with Equifax THEIR FAILURE TO WRITE OR EVEN RESPOND TO MY WRITTEN REQUEST FOR ASSISTANCE WITH PLACING A 7 YEAR FRAUD ALERT AS REQUESTED IN WRITING BY ME. I have a 7 year Extended Fraud Alert on the other XXXX major Credit Bureau 's XXXX & XXXX. I have submitted a Law Enforcement Report and Case Number to verify needed 7 year Extended Fraud Alert. Equifax has in their possession all information needed to comply with my request, and still is denying my written request. Please help me with Equifax Fraud Department as they are unresponsive to my request, and unreasonable.