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

I purchased a XXXX XXXXXXXX XXXX  on XX/XX/XXXX from XXXX 's XXXX & XXXX in XXXX, Texas. The vehicle was financed by Credit Acceptance at 22.01 % for {$22000.00} total amount of payment. On XX/XX/XXXX, Hurricane Harvey hit XXXX, Texas and I had to travel through floodwaters to make it home where I was trapped. I called Credit Acceptance on XX/XX/XXXX to report XXXXXXXX XXXX was in floodwater. I had full coverage insurance through XXXX XXXX and extended warranty protection through XXXX XXXX ( XXXX XXXX ), however, for FEMA disaster assistance, I was advised not to file a claim with the insurance companies. The XXXX XXXX  trouble indicators lit up the dashboard. I took the vehicle to a local XXXX dealership, XXXX XXXX XXXX on XX/XX/XXXX, and diagnosis indicated Multiple DOC 's. I requested letters for both XXXX XXXX and XXXX XXXX in applying for Fema assistance stating I did not file a claim. I received a letter from XXXX XXXX stating they do not cover vehicle damaged by floodwaters. Credit Acceptance informs I had to file a claim with the XXXX XXXX because of Hurricane I missed the XXXX payment. XX/XX/XXXX XXXX XXXX agent XXXX XXXX in a recorded conversation total XXXX XXXX and was going to send a tow truck to retrieve the vehicle from my residence immediately, however, I requested paperwork to provide to lien-holder Credit Acceptance and was told to wait on XXXX XXXX agent for documents. XXXX agent XXXX XXXX read invoice from XXXX XXXX to determine months later the vehicle did not suffer from flood-water damage but needed a catalytic converter. XXXX XXXX provided a check in the amount of {$200.00} to cover my deductible for vehicle repair, stating they will cover the cost for the catalytic converter. I took the vehicle to XXXX XXXX XXXX XXXX on XX/XX/XXXX, and before they release the vehicle I had to pay out of pocket expenses in the amount of XXXX and the following Monday Credit Acceptance repossessed the vehicle. from my job
Product: Credit card or prepaid card

Wells Fargo/Nationwide Credit arbitrarily closed our XXXX XXXX credit card account without notifying/contacting us prior to closure. The account had no balance and was one of our oldest accounts. I contacted customer service and requested the account be reinstated, as we intended to purchase new appliances within the the next few weeks. Customer Service refused this request and suggested I re-apply for a new line of credit. The closure of this card negatively affects our total credit limit and length of credit history, lowering both our credit ratings.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit score dropped XXXX XXXX points, with no justified explanation, as stated in last complaint and still hasn't been address.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair reporting act XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX has violated my rights.15 usc 1681section 602 a : states i have a right to privacy 15usc 1681 section 604 a section 2 : states a Consumer reporting agency can not furnish a account without my written instructions
Product: Money transfer, virtual currency, or money service

- On XXXX XXXX I opened a new BMO Relationship Checking account to take advantage of a {$500.00} new checking account bonus they are promoting. 
-During the account opening process i was notified to avoid the monthly maintenance fee my account would need 'The minimum daily Ledger Balance in your account is {$10000.00} or more for the previous calendar month '. To satisfy this I initiated a $ XXXX transfer from my XXXX XXXX to my new BMO checking account. 
I could not log into my XXXX account from the BMO website so i had to go the ACH route-using the routing number and savings account number to transfer funds. I did that. 
- On XX/XX/2024 the XXXX transfer was posted on my XXXX savings account ( the funds withdrawn with note that the transaction for my new BMO account ). 
-Later on XX/XX/2024 I received an email from BMO stating that my XXXX and external transfer ability had be suspended and when I tried to log on and check, I was locked out of my BMO account. The email also indicated i needed to contact the BMO Fraud department. 
-I contacted BMO and explained what happened. that the transfer was not fraud that i was transferring the money from my XXXX savings to this new checking account. They asked me to send in all types of information to prove it was my XXXX account and because they did not sound very professional, I thought maybe this bank was a fraud and did not want to send in all my info to them. I wanted them to close the account and send my money back. 
- When my money did not bounce back to my XXXX savings account after a few days. I called BMO back and sent in the information they needed just so I could find out where my $ XXXX is. 
-BMO then sent me a letter stating that my account had be closed and any funds would be sent to via certified mail. When i called BMO to confirm this they stated that XXXX would need to request my funds from XXXX (? ). When I informed XXXX of this they did not seem to know what that meant ... or at least they did not tell me. 
-XXXX has also granted me a provisional credit for the XXXX but my account is locked until their investigation is concluded. 
I need answers from BMO - where is my money? I don't care about them closing the account, I just want my money back and i want to know why this happened in the first place... I was trying to follow their banking requirements.
Product: Credit reporting or other personal consumer reports

IVE TRIED RESOLVING IT DIRECTLY WITH THE CREDIT BUREAUS FIRST ( CALLING, MAILING IN OTHER LETTERS )
Product: Student loan

Greetings I explain to AES Im not sure I just got a whole bunch of mail but I didnt sign up for those loans I wasnt the person attending the schoolXXXX XXXX XXXX attended XXXX University I tried to explain to them Im not responsible for those loans and they continue to harass me ask them to remove them from my credit report and they continue to send me letters and harassing me because they cant find XXXX XXXX I didnt sign those long I didnt ask for them I would please appreciate them removed from my credit report I will try my best to find out where she lives and her phone number so that they can deal with her she was a XXXX of that university not me please remove that debt from my report it does not belong to me she fortunately use my name I am a XXXX   and Im retired and its very stressful for me Im homeless I cant even get a place to live because of these things on my report that I asked to be removed
Product: Debt collection

I was forced to ride in an ambulance when I was in a stable condition to drive to the hospital I was forced to go to, they made me have tests run after I asked for a form to leave and that if they kept me I would lose my job, which along with made me lose my insurance coverage to cover the overpriced medical attention I did not require. I was forced into summit ridge for 6 days and was terminated from my job for absence even with proof of medical reasons and they did n't try to ever collect their money until AFTER I had lost my job and insurance.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 4th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  has XXXX inquiries that are not open accounts on my credit report and Ive asked him several times to remove them because I dont know how they got there but they are not helpful and they are not trying to help me remove it and I need them removed. The XXXX XXXX inquiries are from these XXXX different dates XXXX, XXXX XXXX/ XX/XX/XXXX / XX/XX/XXXX. Those XXXX inquiries are not open accounts. I need those removed immediately. It is putting a huge effect on my credit score. 

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exist.
Product: Mortgage

Per my last submission on this website this company is still refusing to work with me. I just received {$1600.00} back today of which I mail this month. No mention of the insurance request that I have asked for on XXXX occasions. 

This company is trying to steal my property and I need assistance on what to do as soon as possible. I will be talking with XXXX in the morning. Please help me I am not XXXX months behind for them to keep returning payments. I need answers as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX XXXX  Account number : XXXX XXXX FCU Account number : XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX  Account number : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) Account number XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

Please remove inquiries off my credit profile from XXXX, Trans Union and XXXX immediately! 

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

Requested Proof that CHASE submitted a claim to the XXXX XXXX XXXX on XX/XX/2023 from XXXX at Chase Bank Claims. TEL : XXXX ext XXXX XXXX XXXX wrote back and said never received the claim. I need DIRECT proof so I can submit to XXXX XXXX  of the proof of claim for the inquiry.
Product: Credit card or prepaid card

I have received refunds from two companies but the credit card balance has not been updated one from XXXX XXXX XXXX and one from XXXX XXXX. American Express has a history of accepting payments or credits but not updating the balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

A company XXXX XXXX Account Info ) is reporting MY bankruptcy despite the fact they can not do it and verify it with my COMPLETE SS #. 

It needs to be deleted or they have to explain they HAVE my COMPLETE SS # and the Ss # they have actually is mine ( which it can not be ). 

They are supposed to verify this with the source ( not a computer screen ). They said they did yet the bankruptcy court responded to my letter and stated the court DID NOT confirm my complete SS # ( rephrase ).
Product: Debt collection

I was called by ARA,  XXXX , IL reference an account I paid off in   XXXX  . They threaten to sue me for an amount I did not owe in the first place. They indicated I owed {$2500.00} when the amount owed at the time was {$750.00}. I checked my credit report and the account referenced or amount was not listed my report. Can you assist?    XXXX  phone number is  (   XXXX   )   XXXX . I am resident of the  State  of Mississippi.
Product: Credit reporting or other personal consumer reports

on XX/XX/23 I disputed a collection account. XXXX did not remove the account while they investigate. According to the FCRA 15 USC 1681 section 602 says that consumer reporting agencies have a responsibility to report fair and accurate information with respect to the consumers right to privacy. XXXX is a financial institution per 15 UCS 1681 section 604 which says that any consumer reporting agency may furnish a consumer report under the following circumstances and no other : " in accordance with written instructions of the consumer to whom it relates. '' XXXX does not have my consent to furnish this information and they absolutely do not have my written consent. any and all consent XXXX in any form ( written, verbal or implied ) is revoked. 15 USC 6802 ( b ) ( c ) states " a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless -- the consumer i given an explanation of how the consumer can exercise that non disclosure option. '' XXXX never informed me that i had a right to exercise my nondisclosure option. In addition to that 15 USC 1681C says Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. This account is clearly in adverse action and they are reporting without my permission which is against the law. Now 15 USC 1681s -- 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 reasonable cause to believe that the information is inaccurate. 15 USC 1681e says that " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX is not maintaining reasonable procedures. Oh yeah, 12 CFR 1016.7 states that i can opt out of reporting services at anytime, and i am opting out of this reporting service.
Product: Credit reporting

I 've never opened an account with XXXX XXXX I 've never signed up to revive there services I was never shown prof of this being a valid account I never recived any goods or services for the above account nor did I sign up or give my authorization for the account
Product: Checking or savings account

My social security number is XXXX. Since about 2011, I am still waiting on wages owed to me. Over the past eight years, I've attempted to make partial payments on my balances owed approximately {$700.00}. I believe I appreciate BHK Financial originally XXXX  XXXX XXXX XXXX accepting money from me over this time. However, I am concerned about damage to my FICO score too to qualify for a home. I am still collecting unemployment and now I am starting school next year.
Product: Debt collection

i turned in my leased XXXX hyundai on XXXX and purchased another lease on XXXX hyundai is trying to collect XXXX excise tax but it was not mine as of XXXX i have sent them all docs bill of sale vehicle return from dealer and they have now issued a late payment on my credit reports really PLEASE HELP
Product: Money transfer, virtual currency, or money service

Commencing on or around XXXX XX/XX/year>, I fell victim to XXXX multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX CAD from my Crypto.com account to the fraudulent investment firm ( XXXX ).
Product: Debt collection

XXXX XXXX XXXX ( XXXX ) sent me a debt collection letter stating I owed them for my private student loans that were disbursed in XXXX and charged off XXXX XXXX which is 15 years after I opened the debt and the end of the re-payment period. 

I asked XXXX for debt verification as the lender has no record of any of my original debt. XXXX sent me the private loan application I completed in XXXX and a summary of my payments, including the charge off in XXXX. It still claims I owe them for the entire debt. 

They did not provide proof that I still owe the debt, that the original lender has any record of this debt, or what amount is currently owed- they are claiming I owe the original amount that was disbursed. This is fraud and financial exploitation.
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 proces was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for the harm caused by these failures. Cash App 's lack of responsiveness and failure to adhere to consumer protection laws has led to undue stress and financial hardship. Despite multiple attempts to resolve the issues, their customer service team provided inadequate support, offering no clear solutions or adequate explanations. Their refusal to take proper action to prevent fraud or rectify the situation has further exacerbated the problem. As a result, I am requesting a thorough investigation into Cash App 's practices, a full refund of the disputed funds, and corrective actions to ensure better consumer protection moving forward. 

I urge the relevant authorities to hold Cash App accountable for violating my rights under the CFPA, EFTA, and Regulation E, and to enforce appropriate penalties for their negligence.
Product: Credit reporting or other personal consumer reports

Transunion is currently reporting negative information as a violation to federal laws. The U.S. Bankruptcy Court for the Northern District of Georgia stated that they did not provide information to Transunion and neither did I XXXX XXXX provide information or give them permission to report information. I dispute the validity of the debt that you claim I owe and request that you provide verification of the debt, including the original creditor 's name and address, the amount owed, wet ink signature, My fingerprints, Original contract. Until such time as you provide verification of the debt, I am exercising my right to cease and desist all reporting activities. Please furnish evidence and proof not statements on how you verified the debt. Statements are hearsay in the court of law. Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the original contract. It is alleged debt until it can be proven. With no supporting evidence it must come off the report. Failure to complete request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 ) In closing, please acknowledge receipt of this letter and confirm that you have ceased all reporting activities on this debt. Failure to comply with this request will result in further legal action.
Product: Mortgage

I have my mortgage through Wells Fargo. Wells Fargo used to maintain different web sites that serviced their mortgages. It was www.wellsfargo.com/ym. During the months of XXXX and XX/XX/2020 I received letters telling me that this website is going away and I needed to enroll my mortgage into their XXXX  website that services all of their other account types. I followed that process, however my mortgage never showed up on the online account as promised. I always make my payment using this website. I called to make my payment on XX/XX/2020. I was able to make that payment with the phone banker at the time. However, she told me she was unable to complete the setup and that I had to talk to a tech team member. I was placed on hold for approximately 30 minutes without anyone answering the phone. I had to drop the call because I had to work then. I then called about 2 more times in the coming weeks and was unable to speak to anyone. I was finally able to get through on the line today. I held for 20 minutes and was told that my account was " restricted '' and could not be activated that he needed to talk to tech. I was placed on hold for another 40 minutes at this time. The rep came back to the line and told me he now had to transfer me to another tech team that I have a " restricted '' account. I asked what this meant and he could not answer the question. He then asked me to hold so he could transfer me to tech. I demanded to speak to a manager and was then placed into yet another hold. After 15 minutes the line dropped. I still have no access to the web site and now am concerned that there is an issue with my account that no one is explaining to me.
Product: Credit card or prepaid card

I had requested a credit limit increase and they did not approved it. 

Later a received a letter giving me the reason for their decision as " The requested amount exceed the limits set by our credit policy ''. 

I called Synchorony Bank to find out exactly what policy they are referring to and they could not answer me and they told me the policy is set by PayPal and transferred me to them. PayPal then tells me they have not set any policy regarding credit limits and if there's any policy is set Synchorony Bank and transferred me back to them. Synchorony Bank again says they do not have anything to do with it and I should contract PayPal.

It seems they are using this credit policy as an excuse to hide something specially since it seems there's actually no policy.

I just like to know why I was turned down and what I can do to fix it. 

By the way, my XXXX score is about XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Date Updated : XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX