23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

When I first contacted CFPB was around XX/XX/XXXX after ALLY repo my SUV  via XXXX XXXX, who violated my rights by refusing to release my personal items unless I sign a release contract, Which I did not. I called the REDEMPTION DEPARTMENT AT ALLY and spoke to XXXX. She was very rude, demanding, obnoxious and ordered me to turn in my keys while I'm telling her I don't owe Ally any money and want my SUV returned. She told me I needed to pay {$4100.00} by XX/XX/XXXX, or they will sell my XXXX XXXX XXXX XXXX. After XX/XX/XXXX XXXX ; I called to check on my SUV I was told they moved it XXXX hours away to sell it without my permission. I already had a complaint open with CFPB waiting for ALLY response. It was past the 15 days, and they were about to sell my SUV. I had no choice but to pay them to keep them from selling it. I was given an option to wire the {$4100.00} only. I wired the full amount on XXXX XXXX. They responded to CFPB that same day. I picked up my SUV on XX/XX/XXXX, at XXXX WHO WAS TRYING TO FORCE ME TO SIGN A RELEASE CONTRACT. I REFUSED AND TOOK PICTURES WITH MY PHONE AFTER SHE LEFT WITH ANGER HOLDING THEPROOF OF SELLING PAPERS. XX/XX/XXXX, I received a letter from Ally saying they sent my title to XXXXXXXX XXXXXXXX XXXX XXXX ; IN ORDER FOR ME TO BE RE-REGISTER. XX/XX/XXXX, I went to XXXX XXXX XXXXXXXX to pick up my registration and title. Ally had pre highlighted areas on the paperwork for me to sign. I signed with XXXX ( beneficiary ) on all the papers and the tittle only to find out ALLY DELETED ELECTRONICALY. Attached is a copy of the tittle and other paperwork I signed as beneficiary ( I took pictures with my phone. ) I tried to remain honorable by paying XXXX, XXXX and XXXX {$890.00} per month not because I owe them, but to keep them from repossessing my SUV. I have let the IRS know that ALLY TOOK MY CREDIT OF OVER {$40000.00}, I ALSO SENT ALLY A COPY OF TTHE 1099c APROAVED FROM THE IRS. ALLY IS MAKING THOUSANDS WITH MY BOND INSURANCE. I MADE IT XXXX TO ALLY THAT I NEVER IN GOOD FAITH GIFT THEM MY SUV AND PROCEEDS FROM TNE BOND INSURANCE. I stopped paying ALLY XXXX months ago considering I discharged the debt they created. Yet, last month they called my ex-husband demanding money after I sent them a Cease-and-desist letter and verbally. I also received a letter from Ally dated XX/XX/XXXX, demanding {$3200.00} by XX/XX/XXXX, or they will repossess my car.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is showing an inaccurate balance owed of {$4000.00}. I disputed this inaccuracies with Experian, XXXX and XXXX. XXXX XXXX XXXX has verified and certified the furnished information is accurate. I then did my own investigation and determined that XXXX does not own this account anymore. They sold this account to XXXX and charged it off. As a result of that sale XXXX credit lawfully has to update my consumer report to {$0.00} balance. I owe no money to XXXX credit since they no longer have ownership of the account. The FCRA requires furnishers to furnish accurate infomation. The FCRA also requires XXXX credit to investigate disputes. I tried calling the listed number on my consumer report and they refuse to help me because they said they no longer hold the account. This inaccurate reporting is a violation of 15 USC 1681 also since they failed to complete their duty to update the consumer reporting agencies this is another violation and noncompliance with the FCRA. Also when i filed my dispute with the consumer reporting agencies and the dispute was forwarded to XXXX XXXX they verified the inaccurate information instead of doing a reasonable investigation which is another violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize these excessive inquiries to anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Bank account or service

While on vacation my account became overdrawn. Commerce Bank charged my account with XXXX overdrafts in the amount of {$36.00} each. I only become overdrawn when my account was charged overdrafts fees When I returned I called the bank and the bank removed XXXX overdraft fees in the amount of {$72.00}. I went to the bank an deposited money in my account and was charged for XXXX more overdrafts. I called to ask why I was overdraw, because my statement never showed I was overdraw, only when the bank charged me for overdrafts. I was told I had a debit at one time that was pending and that made me overdrawn. Then I recalled I had given the hotel the wrong credit card for my room, which I corrected within a hour. I was told they have the right to do this because the amount was pending even thought it never went through. How can a bank charge for overdrafts when money is never taken from your account. 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX  XX/XX/2023, XXXX XXXX XXXX : {$2500.00}
Product: Payday loan

I have been paying {$180.00} a month through direct debit withdrawal from my checking account for several months on a {$600.00} loan. The {$180.00} a month was an " Extension '' that I thought was installments to satisfy the original loan. This company has received {$2000.00} in fees on a {$600.00} loan and I still have a balance due. They did send me a contract that I agreed to in haste and did not clearly understand. Although I understand payday loans, how is it fair business to charge this amount on a {$600.00} loan? This equates to over 300 % interest in just an extension fee??? There should be a cap on what they can charge you for fees.. {$180.00} a month as an " Extension Fee ''!! XXXX
Product: Mortgage

Wells Fargo repossessed my truck in XXXX  wrongly by applying 39 late fee on 3 month payment. They were then able to stop me from making money to keep getting my home out of foreclosure by paying the 3 months payment again. I know there has been a settlement but they denied me money that closed my business when they took my truck and which in turn denied me any reimbursement from the home they sold in a surplus of XXXX that I owed. Do you know if this reimbursement order would grant me some of the damages i incurred?
Product: Credit card

Keeping up with timely payments has been a priority for me on this account, always avoiding overdue status. I'm unclear why there are mentions of late payment remarks on my accounts. In accordance with 15 USC 1666b - Billing Error, corrections are warranted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of Federal Law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, aswillful negligence and non-compliance with federal statutes. Please update these following accounts : XXXX XXXX Balance Owed : {$350000.00} ; XXXX  XXXX Balance Owed : {$1200.00} ; XXXXXXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$28000.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$25000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ;
Product: Credit card

i opened a XXXX XXXX synchrony credit card in XXXX of XXXX. I used it then to buy a bedroom set and paid it off all fine with no interest. unless im looking to buy furniture im not able to use it for anything else. i just got a notification from my credit report saying my account was closed on XX/XX/XXXX which was news to me because i received no notice of it closing. i actually got an email from them on XX/XX/XXXX under 3 weeks before this with an important notice of promotional financing offers that may be available for you when you use your XXXX XXXX credit card for future purchases and advising me of my APR. seems whack that they would email me that and then proceed to close my account. 
i called the customer service today XX/XX/XXXX trying to figure out what was going on and they said my account was closed due to inactivity. i admit that i havent used the card in a couple years but again, i can only use it at XXXX and havent needed furniture but if i was given a notice that it was going to close then i would have used the card. funny thing is, i just moved and actually was planning on going to XXXX soon. i am frustrated because due to them closing my account with no warning im loosing that account, that part of my average credit age, and my total credit limit has decreased which is going to be a major impact on my credit score that ive been working really hard on. while on the phone with customer service they said i understand your upset and that this was happening to a lot of customers ( theyre credit accounts closing with no notice ) and that theres nothing she could do. when i would ask more questions she just kept saying the exact same thing over and over like reading a script. i asked to speak with someone higher up might actually be able to help me reopen my account and she just said her manager would just tell me the same thing. before the call started it said there would be a survey after but when we were done she promptly hung up with no survey.
Product: Credit reporting or other personal consumer reports

Texas, office of the Attorney General office account number XXXX has reported to credit reporting agencies such as XXXX XXXX, XXXX and Experian, which is a clear violation on the title 15 USC subsection 1681B.

XXXX XXXX XXXX XXXX XXXX XXXX. Its also reported on my credit file which is a violation under Tyler 15 USC subsection, 1681B. They are also in violation of the fair credit reporting act title 15 USC subsection, 1681 ( 2 ) ( a ) ( i ). Texas attorney general office states that I owe {$61000.00}. XXXX XXXX also states that I owe {$17000.00} or {$18000.00}. This was done for anywhere from one year to seven years ago.
Product: Credit reporting or other personal consumer reports

On XXXX I sent a certified letter to each of the 3 credit reporting agencies ; XXXX, Equifax, and XXXX, asking each of these companies to check and verify that the information in my credit report was accurate. 

All 3 credit agencies responded and said that they checked the information on my file and verified that it was correct. 
I did a thorough research on my own and found inaccuracies on the credit report even after the 3 agencies said they did a thorough research! 

Name of the account : XXXX XXXX XXXX Account # : XXXX In accordance with the Fair Credit Reporting Act, XXXX Account # XXXX has violated my rights. 

15 U.S.C. 1681 section 602a States that I have to write to privacy 15 U.S.C. 1681 section 604a Section 2 : It also States : A Credit Reporting Agency can not furnish an account without my written instructions. 

For example, the Date Opened for the account had multiple dates on the 3 credit reports ranging from XXXX XXXX, Equifax XXXX XXXX XXXX, - inconsistency! 

See attached Latest Credit Report dated XXXX for all 3 credit reports. 
See attached compiled XXXX of pages XXXX of Credit Report showing XXXX XXXX XXXX Due to these inconsistencies this file must be deleted please.
Product: Debt collection

My credit report shows that an account with Portfolio Recovery was opened on XX/XX/XXXX for the amount of {$580.00} and on XX/XX/XXXX I sent a 609 letter to all three credit bureaus disputing this debt. I have not heard anything back from the company or the credit bureaus yet. I was recently told to check my state 's secretary of state website to make sure that all of the collection agencies on my credit report were licensed or bonded to collect in my state. While doing the search, I found out that they are not.
Product: Credit reporting or other personal consumer reports

To delete and remove Account # { XXXX ] number with { XXXX } for {$1400.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am submitting this complaint without any outside influence
Product: Debt collection

A XXXX party trying to collect for a debt not owed to them! 
15 USC 1681a ( 2 ) ( a ) ( i ) states the consumer reporting agencies can furnish a reporting under the following instructions : in accordance with the written instructions of the consumer to whom it relates. I never gave them written instructions to report the accounts listed above to my consumer report.

15 USC 1681 section 602 A ( 4 ) states I have the right to privacy.

15 USC 1681s-2 ( A ) states that A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Account Number : XXXX Creditor : XXXX XXXX XXXX XXXX Whom It XXXX Concern, I am submitting a formal complaint regarding the inaccurate reporting of an auto loan closed account ( Account # XXXX ). Equifax is in violation of the Fair Credit Reporting Act ( FCRA ) due to the following errors : High Balance Discrepancy : Equifax reports a high balance of {$16000.00}, which is inconsistent with other agencies balance Violation : XXXX U.S.C. XXXX ( b ) Failure to ensure maximum accuracy of information. 
Date of Last Activity : Equifax reports XX/XX/XXXX, while other agencies report date conflicts Violation : XXXX U.S.C. XXXX ( a ) Inaccurate reporting of critical dates affects delinquency tracking. 
Closed Date Missing : Equifax fails to report the Closed Date Violation : XXXX U.S.C. XXXX ( b ) Incomplete reporting of account details. 
XXXX Report : XXXX reporting date of XX/XX/XXXX is impossible and incorrect. 

Violation : XXXX XXXX. XXXX ( b ) Inaccurate reporting and failure to maintain timely updates. 
Creditor Type Inconsistency : Equifax reports the creditor type as XXXX XXXX, which conflicts with other agency reports.
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 process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and XXXX XXXX These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card

I ordered a new XXXX Chase Credit Card back in XXXX of XXXX. My marriage was having problems and I wanted new credit card numbers to ensure my husband didn't have my credit card number saved somewhere " digitally ''. I used my XXXX XXXX over the phone to pay a doctor 's office telehealth copay over the phone on XX/XX/XXXX. 

On XX/XX/XXXX, I logged into my online Chase account and was shocked the dollar amount I owed on this credit card. It had approx {$2900.00} dollars worth of charges that I didn't make or recognize. I called and reported the fraudulent charges to XXXX Chase. I explained that I had the card physically in my possession during the entire time, but someone must've stolen my card number. Many of these charges are way outside my normal spending patterns and in parts of town I don't travel to. They immediately removed the charges and said that they would be doing an investigation. I thought the issue was resolved. In XXXX of XXXX, all the fraudulent charges were re-billed. I was in the middle of a divorce and wasn't receiving mail regularly because I was rarely " home '' and my ex wouldn't always save my mail for me. I didn't notice the rebill of charges until XX/XX/XXXX. I called and asked why I had these charges that were deleted in XXXX. They did an " audit '' and said that none of the merchants they had contacted about the charges responded to their request for information about the questionable purchases. There were several more phone exchanges that happened on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Ultimately they said that " all the merchants '' they originally contacted all replied and said that my card was utilized with the " chip '' feature, which means whoever used the card, had the physical card with them. Since I stated at the original reporting that I always had possession of the card, Customer service stated that either my ex-husband, other family members, or myself had " inserted the card into the chip reader '', and that I was responsible for all charges. I asked for another audit stating I didn't believe that they went from no merchants responding to all of them responding the same way. I also asked to be transferred to a supervisor or manager and was denied another audit or transfer to talk to anyone else. 

The XXXX Chase credit card company states they tried to call me twice in XX/XX/XXXX, and sent me letters in the mail XX/XX/XXXX and XX/XX/XXXX. I didn't have any voicemails from them and I never received the letters. I di n't file a police report because at my initial report, they said the charges were going to be removed. I thought the issue was resolved on XX/XX/XXXX.
Product: Checking or savings account

On XX/XX/2019 my wallet was stolen out of my purse at my workplace. I didn't recognize until hours after and as soon as I saw it missing I called Chase Bank to freeze my account. Then I told them which transactions were fraudulent and reported a claim with them early the next day ( the banks were closed by the time I found my wallet missing ). It's been a week and I haven't heard about the status of the claim or the funds so I called Chase this morning. To my dismay, the representative said that my claims have been denied because the person who withdrew the money had my PIN. I am not sure how the person would've gotten my PIN but I can still prove the charges are not me. There is video surveillance of the person taking my wallet, photos of them at another store, and video of them withdrawing the money. The withdrawals totaled {$4700.00}. This person is clearly not me, but I'm finding Chase to be very difficult to work with to find another way of proving these transactions were NOT authorized by me.
Product: Credit reporting or other personal consumer reports

I reviewed my report with your company and I would like for you to remove the previous addresses. I no longer live at those addresses and I have attached supporting documents.
Product: Credit reporting or other personal consumer reports

This creditor has violated my rights under 15USC 1681 Section 602 states I have the rights to privacy.15USC 1681 it also states a consumer report agency can't furnish an account without my written instruction. I have requested this account : ( XXXX XXXX XXXX XXXX XXXX XXXX ) be deleted IMMEDIATELY as the terms/amounts/balances are incorrect. I also requested the agency to provide me with their reinvestigation results, including all documentation received/obtained to verify this information as accurate and the agency has FAILED to do so. I demand this account be deleted from my credit report immediately.
Product: Money transfer, virtual currency, or money service

Previously close case i filed with you was not handled properly and the solution was not kept by company. Theyre repeating the same illegal actions. Even with the copy of the resolution sent in to them. Theyre being fraudulent, lying to people about legal rights refusing to follow eft and prepaid card laws. Theyre retaliating against people who tell them their legal rights and file against them.
Product: Credit reporting or other personal consumer reports

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within XXXX business days : ( XXXX ) Appropriate identity documentation ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the customer 's identification of the pertinent data ; and ( XXXX ) a customer declaration indicating that the data is unconnected to any transactions. 
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