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

I leased a car from Volvo Financial services. 
Almost immediately the car had mechanical issues. the car was a total of 18 months in and out of the Volvo. 

When finally the Volvo customer service addressed and gave me compensation ti was not reported to the credit agencies. 

I did not have the car in my possession and this should be reported to the credit agency. 

Unfortunately was not reported correctly and have very negative impact on my credit report
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I received an email from Crypto.com stating that my " account has been terminated due to breach of our Terms and Conditions. '' I have not been able to recover approximately over {$20000.00} I had invested there and customer service has not responded to my repeated inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX  and Account # XXXX XXXX XXXX XXXXXXXX XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SUBMITTED NOT ONE BUT VARIOUS DISPUTES, AND HAVEN'T NOT FIXED THE PROBLEM
Product: Debt collection

I, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective XXXX my identity theft affidavit. I have never authorized or gave XXXX written consent to any XXXX party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several fraudulent names and addresses on my credit report. I sent letters to Experian, XXXX, and XXXX to remove the fraudulent information in order to prevent identity theft however they have not responded. 

My credit report should accurately reflect who I am and having multiple names and addresses on my credit report is a form of identity theft seeing as how I never gave written permission for any names or addresses that are not mine to be on my report I have attached a copy of my identification which contains my only name and address. I can not have more than one address or name as I am only one person.
Product: Money transfer, virtual currency, or money service

Dear Officer at Consumer Financial Protection Bureau, My name is XXXX and I am Filing this complaint from XXXX, XXXX. 
Paypal has put a hold on my funds/account on XX/XX/2020, the total amount is XXXX {$XXXX}. I have requested Paypal a review/appeal of my case which was rejected by them. They have not given me a reason as to why they have frozen my account. The money in my Paypal account was generated from selling items on XXXX, all of my buyers have received their items and I have not had any complaints from them. I feel that holding my funds for 180 days for no reason is an abuse of power by Paypal. I lost my job 3 weeks ago because of corona virus and Paypal not letting me access my own money is putting me in a tough situation. I kindly ask the Consumer Financial Protection Bureau to look into this issue and help me resolve it. Thank you. 

XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Paypal case number XXXX
Product: Credit reporting, credit repair services, 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.

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written 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 or 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for Loan Modification due to financial hard ship in XXXX 2016. And submitted all he required documents, ( again again they are asking me pay stubs and bank statements which I upload on there web site and mail them at least 20 times ( I documented ). Every once in a month I got call from my case assigned your application in process, Till noe never received any positive response. 
Thanks XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Every time I get a quote for insurance either I was ineligible, or it was too high. I would always ask what the reason for this and I was always get told that it could be because of my credit. I decided to pull my credit and I am extremely shocked on the outcome of the report. The things I have listed on this application are not mine. Please remove these items from my report. XXXX XXXX XXXX {$660.00} XXXX XXXX   XXXX {$1200.00}
Product: Vehicle loan or lease

I am financing this vehicle with West Lake Financial. I purchased the car in XXXX and monthly payments are {$480.00} a month for 48 months I have paid sometimes more totaling {$23000.00} and attempting to trade vehicle and payoff balance {$14000.00}. XXXX XXXX XXXX for {$37000.00}. Unpractical how could this be? 

I feel as if I am being robbed. Doesn't make any sense. Now I am stuck with a car having to pay {$14000.00}. The car was financed for 5 years this is my fifth year still owing {$14000.00}. Car purchased XX/XX/XXXX. Does not add up. Please help.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhas violated my federally protected consumer rights to privacy and confidentiality under 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
Product: Debt collection

I never received a bill for the medical debt. After seeing the bill I can see why. It is because the debt is not mine. I notice a derogatory/negative mark on my credit report and called they company to find out why. They would not give me any information. I talked to XXXX XXXX and he could not find a debt owed at my current or previous addresses. He would also not let me speak to a supervisor. The response I received from the XXXX  said they never talked to me which is also incorrect. Because it is a fraudulent debt I do not want to give them my personal information although I did try to verify my address and they could not verify an address I have lived at for the past 15 years. The address on the bill is for the following address : XXXX XXXX ( XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX, XXXX, OR XXXX I have never lived in XXXX Oregon and was living in Utah at the time of this bill. It is obvious from the address that I have never lived there because I was not living in a shelter. 

They do not have and corroborating information on the bill to show that it is mine. I would like to know how they linked it to me since it is not me and is fraudulent.????
Product: Bank account or service

I opened a checking account at Citizens when I turned 18 years of age and received a debit card with the account. I was using my debit card and not realizing Citizens was approving my transactions even when I did n't have any funds on my account. At the time of my account opening I was working and had direct deposit going in so whatever debit transactions I was purchasing whether or not I had money on my account my direct deposit would be able to cover the money owed and overdraft fees. In XXXX 2015, I no longer had direct deposit as I no longer was working. I bought something online for myself and again my debit card was approved but by XXXX XXXX 2015, my account balance was negative ( XXXX ) of which {$310.00} were overdraft fees. The following month I received another statement and my account balance was negative {$1000.00} of which {$780.00} were overdraft fees. My account was not used for the month of XXXX but my balance kept increasing. Three months later my account was sent to Collections called XXXX XXXX XXXX XXXX. I went to see one of the customer service person at Citizens yesterday and they told me my account has been sent to Collections and they could n't do anything about it and it was my fault even though my account was n't used for two month and in the matter of 2 months my account received {$780.00} in fees. The same day which was shocking to me and should be ILLEGAL I found out every 4 days the account is overdrawn Citizens charges XXXX in overdraft fees, monthly maintenance fees and some other fee that I do n't remember. This was too overwhelming for me as a XXXX year old, XXXX from XXXX XXXX this year, that a bank will do this something like this to someone who just start learning about banking products. Out of everything what bothers me the most is at account opening the customer service desk never explained the opt in and opt out ( I still do n't know what that means ) by my new local bank explained that to me in layman terms and I know now. But Citizens just automatically signed me up for allowing my debit card to go through when I did n't have money to cover the charge. I need for CFPB to do something about this illegal business that Citizens is doing to younger people/ students like myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I have been given information from a legal service about my consumer rights provided by and through Title 15 USC. Through this code I discovered that the credit bureaus XXXX, Experian and XXXX ( herein after CRAs have violated several rights and in doing so have publish, sold and used my personal, private and nonpublic information without my authorization or knowledge. 
According to USC 15 1681 Permissible Purpose of Consumer Reports it describes what is allowed in terms of a consumer report. These are clearly covered in ( a ) " General '' and is limited to " ... and no other ''. It list that a consumer report is available via ( 1 ) a court, " subpoena '' and ( 2 ) " in accord with written instructions of the consumer ... '' and " no other '' The remainder of this section is only applicable unless/until the consumer provides " written Instructions '' In other words a CRA needs explicit written instructions from me the consumer before it can use, sell report or in any way create a " credit profile on me the consumer. And they are not allowed to used, sell provide or report my nonpublic information, they have done so and without my authorization. I am demanding the CRAs produce a certified copy of any such consumer " written Instructions '' they allege I the consumer have provided.

In addition The CRA 's are required to provide me the Consumer with a written opt out option. This has never been provided to me, if the CRAs claim different I demand they produce a certified copy of any such " opt out form ( s ) Nothing in any of this consumer 's credit report or any information listed in any reports files or documents held by any CRA was authorized by me and has been created by a third party and possibly the CRAs and is fraudulently obtained and qualifies as identity theft.
Product: Mortgage

Last year, my husband and I refinanced our house to a 15 year loan. We had a great experience with our loan officer. Then the company Primeres went through a systems update, and that is where the problems started with the our escrow account. When I received my mortgage interest statement for tax purposes, I realized our property taxes were not paid. The day XXXX received the overdue notice for our property taxes ( XXXX XXXX ), I sent the PDF to the escrow department. I followed the exact instructions that were on the website and the same instructions that were said over and over again while on hold trying to talk with someone in customer service. I thought the issue was resolved. Four weeks after I sent the overdue bill, I realized nothing had been paid. I once again talked with a representative and resent the bill. I was assured that it would be taken care of. On XX/XX/XXXX, I received a notice from my local city that said that the lien process was going to be started on my home because the 2020 tax bill was not paid. After talking with my local tax office ( XXXX. XXXX ), I was advised to pay the tax bill immediately even though ALL the funds were in the escrow account. I tried to once again contact the Primeres Escrow department, but after being on hold I was dropped. At this point, I want to control my own Escrow account. I'm filing a complaint because I was threatened with a lien on my house and a deduction in my credit score for something that I was told was being taken care of multiple times. I feel like others might not realize the company is not paying their property taxes, and they could face unanticipated and undeserving consequences.
Product: Credit reporting or other personal consumer reports

Capital one lied said I sent a cease and desist letter I never did, I had know reason to I paid off my credit card on time. On XX/XX/XXXX I talked Capital one person who said he had know information on a cease and assist letter sent. Capital one sent a attachment pd though the CFPB that want open at all.
Product: Checking or savings account

On XX/XX/2022 and XX/XX/2022, while I had XXXX XXXX  in a hospital, my checking account received 2 large deposits totally almost {$16000.00}. 
It was from a company called XXXXXXXX XXXX which I had never heard of. 
This was done while I was still in the hospital .On XX/XX/2022, a deposit was made to my bank account in the amount of {$49000.00}, done with an over the counter deposit slip with my account number on it. 
The name in the memo line was XXXX XXXX XXXX. 
It was a Cashier 's Check for the amount {$49000.00}, listing the bank name as XXXX XXXX. The bank teller who took this transaction on the teller line, did not put a hold on this check until it had cleared. 
This person or persons who made this deposit to my account, before the check cleared on XX/XX/2022, made wire transfers totaling over {$48000.00}. 
Because of the check that had insufficient funds, Wells Fargo closed my account, even though I was still under a doctor 's care, could n't drive to submit these transactions to my account. I am holding Wells Fargo bank liable for not putting a hold on this large check, until it sufficiently cleared.
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 XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXXXXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting a debt that has been canceled is a violation of 15 U.S.C. 1681s-2 ( b ) of the Fair Credit Reporting Act ( " FCRA '' ). case law has proven this XXXX is still reporting a canceled debt as a collection and pass due amount A federal court has ruled that such conduct is potentially prohibited. In Baker v. American Financial ServiceXXXX, the Court held that consumers may bring claims under the Fair Credit Reporting Act if creditors continue to report debts on credit reports after filing a Form 1099-C In Kunwar v. Capital One, N.A., 2017 WL 5991864, at *36 ( N.D.Cal., 2017 ), Judge XXXX allowed an FCRA claim past the pleading stage based on the argument that reporting a debt that was cancelled by issuance of a 1099-C rendered the reporting inaccurate. 15 U.S.C. 1681s-2 ( b ) Shull v. Synchrony Bank 1:19-cv-00715 BOBBY A. SHULL, Plaintiff, v. SYNCHRONY BANK, and EXPERIAN INFORMATION SOLUTIONS, INC., Defendants .

Baker v. American Financial Services, In Kunwar v. Capital One, N.A., 2017 WL 5991864, Shull v. Synchrony Bank 1:19-cv-00715 violating 15 U.S.C. 1681s-2 ( b ) of the Fair Credit Reporting Act ( " FCRA '' ). Plaintiff alleges that Synchrony canceled Plaintiff 's debt, and thus, Synchrony 's continued reporting of Plaintiff 's outstanding debt to the CRAs is inaccurate.
Product: Credit reporting or other personal consumer reports

I am requesting Credit Bureaus to investigate my accounts in question. Specifically, I dispute the following : The accuracy of the reported balance. 
The date of the last payment. 
The account status. 
I am requesting an investigation into the accuracy and completeness of the above data for the following accounts : XXXX Account No. : Ending in XXXX XXXX XXXX XXXX XXXX. Account No. : XXXX
Product: Debt collection

I had a credit card with American Express for 6 to 8 months. Since I was working on a project for my business at some point and time I would lend money from the credit card to a client until they could repay me. American Express called inquiring about my business dealings, I supplied the necessary documentation they needed to satisfy their inquiry. Then randomly months later, I received an email stating they closed my account amd I owe the full amount, a little in excess of {$7000.00}. They did not give me a reason. Then I paid a portion right away to show good faith that I am working with them to pay off what I owe. I have been in communication with them about payments, so their next action was completely uncalled for. I received a text message from my brother that American Express had reached out to him but addressed to me in the voicemail to me telling me to contact them in regards to my account. That is none of his business, nor anyone else, and it forced me to respond to him about my own business in which I was very unhappy about. When I called American Express complaining they said it was the alternate number to comtact me - which is completely false I never provided my brother 's phone number for them to contact in regards to my account. I told them that I believe that is unfair and poor business practices especially since I have been in communication and working with them in good faith on my part. Not to mention they call me 3 times a day which is a huge disruption to my day. I would understand their situation more so if I was completely ignoring or throwing in the towel on what I owe however that is not the case and I believe I have been treated very unfairly in the situation given I have not been given any reasons why my account was closed from the beginning.
Product: Mortgage

Call them. Email them. Fax them .file motions .in the XXXX county probate court.. Ask for the ownership papers. Like deed of trust or testimony will, beneficiary contract too the ownership lf the company .i need this information so i can no how too go foward on what i need too do .and not too do .i ask them for also public accounting too what they are doing with my money. Cpa .it my right to this information. I also alert the attorney on the estate to this request XXXX XXXX, served him by the probate court, XXXX XXXX. Staff .. bank of america is own by me. And all attached too it .they are refuse too give me information. The trustee are important too this company but i am the owner .in XX/XX/2009 address XXXX XXXX XXXX XXXX ga XXXX was under bank of america and XXXX XXXX as owner.
Product: Mortgage

I received notification through email that the mortgage company purchased a home owners insurance policy for my home. The annual premium is said to be {$6600.00} which is almost 4 times the amount of my original homeowners policy premium. 
I feel like a victim of predatory and unfair lending practices.
Product: Debt collection

This company is reporting a fraudulent collection on my report. I had XXXX umber my husband while he was in he XXXX. XXXX has already paid the bill, but this company sent It off to collections. They have sent me a letter stating the balance is already paid, and still have not removed It. Under the fair credit reporting act this is illegal and must be removed immediately. I have already submitted disputes multiple times with no results.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing Fraudulent Information on my credit report since XX/XX/2022. And I have been waiting for the Credit Bureaus ' response but up until now, I haven't gotten anything from them. Regardless of the previous written request, the unverified items listed below are still reporting on my credit report in violation of federal law. The XXXX, TransUnion, and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, section 605b and continuedreporting the disputed items without providing me copies of documents as proof of verification. This action made by the Credit Bureaus is a clear violation of the FCRA section 605b, a federal law, which is punishable by law. I am submitting this CFPB complaint to request that the Credit Bureaus remove the following fraudulent items completely from my Credit report, if the Credit Bureaus chose not to comply with the request, it leaves me no choice but to initiate legal action : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX CT XXXX XXXX CA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$4400.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$17000.00}