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

There was damage reported on the XXXX  of the used vehicle I had decided to lease. I was told that the damage was only cosmetic and that the full bumper was replaced to fix that. However, when I left the lot, there was damage on each of the 4 rims of the car. It seems like there was much more damage and now I am afraid of what else may be wrong with the car. I want to return/unwind this lease but have no problem getting a different car instead. I offered a custom order option to get the car exactly how I want it but the dealership and XXXX, in particular, was very rude and not willing to help. He was angry that he had to wait an extra hour on a Saturday for the lease deal to be done. However, I drove almost three hours to this dealership since I thought they had better reviews for customer service but that clearly was not the case. 

The dealership offered to fix the damages but they would be putting an extra 300 miles on the car that will count against my mileage limit since it is a lease. 

All I am asking for is for them to please take the leased car back and I want to go ahead with the paperwork for a custom ordered car. I wish I was presented with that option prior instead of the dealership pushing to buy a car that they had in inventory or could get within the week from another dealership. Please reach out if you need more information.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an entry on my credit report. Upon reviewing my recent credit report, I found the accounts listed under the collection section that I believe to be inaccurate. The details of the accounts in question are as follows : XX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, I learned that IRS placed a levy on my Social Security Retirement Benefits. This prompted me to contact XXXX XXXX and request my transactions. I needed a hard copy of my transactions. 

On XX/XX/XXXX, I received my request. To learn that another person name and a card number had been added to my debit card without my permission/ knowledge. 
The name added is XXXX XXXX XXXX, the last four digits of the card added to my card is ( XXXX ). 

This information was added to my account XX/XX/XXXX. You can check with Social security, to confirm that only my name should be on this account. The last transaction with that name and card number was done XX/XX/XXXX.
Product: Checking or savings account

As the depositor and beneficiary of the account I hold with Chime Financial Inc, I entrusted them with safeguarding my financial assets, which creates a fiduciary duty for them to act in my best interest. I was defrauded by another company, who received money from the account I hold with Chime Financial Inc, but failed to deliver goods. I informed Chime Financial Inc and their CFO XXXX XXXX of fraud that occurred as well as provided supporting documents. Chime Financial Inc denied dispute and has failed to reinvestigate. XXXX XXXX has also ignored fiduciary obligations and make things right by returning the {$73.00} to me. XXXX XXXX and Chime Financial Inc are engaging in trustee malfeasance by putting their own interest above mines and acting in ways that harms me as a beneficiary.
Product: Credit reporting or other personal consumer reports

On XXXXXXXX XXXX someone renting an apartment using my personal information I had no knowledge of this transaction. Upon applying for credit. I learned that a collection account was filed on my credit report in the amount of {$9400.00} for the rental of this apartment in XXXX to at XXXX XXXX XXXX I want this collection entry removed from my credit report and the entry listed as fraud.
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 U.S.C 1681 section 602 A ( section 4 ) : States that I have the right to privacy.

15 U.S.C 1681 Section 604 A ( Section 2 ) : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

XXXX and XX/XX/2022 for the amounts of {$1200.00} each month.
Product: Debt collection

In XX/XX/2021, I learned that two things had happened that appear to be the result of identity theft : - An account for which I did not apply was opened in my name with XXXX. No charges had been made. However, XXXX refuses to close the account. 

-I learned XXXX had reported me to collections for an account opened with my name and address, but with a fake email address. A {$200.00} charge is owed on this account. XXXX refuses to close the account while it is under investigation with their collections company, Jefferson Capital.

** Strangely both Jefferson Capital and XXXX are based in the same zip code in XXXX XXXX, Minnesota. Is there some connection between these two entities related to these fraudulent activities? ** Could I please get your help with : - closing the fraudulent XXXX account before any charges are made - closing the fraudulent XXXX account before MORE charges are made and helping me deal with their suspicious collections agency which is in the same zip code as XXXX. 

Thank you so much!
Product: Credit card or prepaid card

On XX/XX/23 I paid an deposit of {$460.00} for a hold on an apartment. The apartment did not pass initial insp and i was unable to move in. The rental company had a problem issuing my refund back to my credit card and told me to go through the credit card company and they keep closing my dispute inquiry
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block Chain ) do to inadequate customer service and unfair practices, which violates 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 Electric Fund Transfer Act ( EFTA ) and Regulation E These actions has caused a great inconvenience and financial loss and i seek appropriate redressfor these violations.
Product: Debt collection

I have recently gone through a XXXX XXXX that was and still is a XXXX problem. I have limited health insurance. I have recently discovered that a local law firm that operates as a debt collector has posted multiple collections against me with every pertinent credit reporting agency. 
In 2015 a new directive was administered by the Consumer Financial Protection Bureau relating to the placement of medical collections. I have submitted a copy of this mandate where all XXXX credit bureaus have agreed to abide by the directive. At no time was I ever given notice by either the medical providers or by the collection agency/law firm that I would be posted with negative collections on credit. The directive calls for the following : A XXXX notice statement to pay the invoice directly or have medical insurance make the necessary arrangements for payment. 

A notice if such an invoice is not resolved that a negative posting on credit can happen after 180 days from notice. 

This is a federal mandate whereas I believe the firm of Overton Russell will want to avoid sanctions by this very powerful federal agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 {$540.00} and XX/XX/2020 {$540.00} showing late payment during pandemic has not been late before or after every since.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 19th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The CAINE WEINER ( Original Creditor : XXXX XXXX ) XXXX & CAINE WEINER ( Original Creditor : XXXX XXXX ) XXXX account is not complying with federal law in regards to identity theft. Additionally, the creditor have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 

CAINE WEINER ( Original Creditor : XXXX XXXX ) XXXX CAINE WEINER XXXX Original Creditor : XXXX XXXX ) XXXX
Product: Checking or savings account

Wells fargo has been taking money from me since XXXX unauthorized transactions up until now I recently had gotten paid but they never gave me my money they said it was included with my available balance which wasnt true at all please help me I am so sick of them taking my money. I decided to close my account but while trying to do that its like they wont let me close it for some odd reason
Product: Mortgage

My Mortg age Loan is serviced by Selene Finance. I am trying to pay it off, borrowing money from friends and family. Selene Finance sent me a Pay Off Figure ( {$470000.00} ) valid up to   XXXX   XXXX . But I could not arrange the full pay off at that time and paid almost 50 %  ( {$220000.00} ) of t hat figure.   Now I am trying to arrange the balance amount again from friends and relatives and requested a new Pay Off. They gave me a new Pay O ff ( {$270000.00} ) valid  up to  XXXX   XXXX . This Pay Off figure is wrong an d Selene Finance is ove rcharging me by {$8800.00}, as shown in the attached calculation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX calls me at work, on my cell phone several times a Day, several times a week. Ive asked the client service Rep. to stop harrissing me. Im not delinquent on this account. XXXX XXXX has reported to XXXX, XXXX, and Experian the three credit Bureau the account delinquent because I requested they stop harrassing me. Ive never been delinquent on this account.
Product: Checking or savings account

Previously, I filed a complaint XXXX against J P Morgan Chase for their improper entrance and stealing monies from my personal account. In their response to my CFPB complaint, they in turn wrote AND included a response letter to our Bankruptcy Attorney ( XXXX XXXX XXXX ). The XXXX XXXX XXXX, does NOT represent us in our Consumer Financial Protection Bureau filed complaint. J P Morgan Chase, violated my right to privacy by including response letter 's to an attorney that doesn't represent me in my filed complaint. Nor did we include the XXXX XXXX XXXX in our complaint as our representative ( s ). J P Morgan Chase, have violated our privacy rights by including the XXXX XXXX XXXX in our filed CFPB complaints. Moreover, in retaliation, J P Morgan Chase have began to continue their harassment by accumulating monies deposited into my account. Further, J P Morgan Chase in their response letter addressed to the XXXX XXXX dated XX/XX/2018 is full of lies. J P Morgan Chase, began stealing monies from my account beginning with {$2.00} that they have yet to return to my personal account. J P Morgan Chase, began stealing monies from my personal checking account in an attempt to collect monies from another customer. As of today, J P Morgan Chase have continued to DISCRIMINATE and HARASS me via my personal account by accumulating monies deposited to cover previously written checks and personal insurance premiums. This is formally called REPRISAL/RETALIATION for my previously filed CFPB complaints. ALL SUPPORTIVE EVIDENCE WILL BE SENT VIA FAX AND IS STRICTLY FOR THE USE OF THE CFPB NOT THE XXXX XXXX XXXX AND ANY OTHER ENTITY THAT CHASE DECIDES TO SEND THEIR RESPONSE LETTER 'S TO. THE END!
Product: Mortgage

We have written to Wells Fargo a number of times and have previously submitted complaints. because of your action, we get a call from Wells Fargo. A very nice lady gets on the phone and tells us how they will be helping us and then nothing gets done. 

We have also looped in our attorney who has called them but still we do not get any acknowledgement of our request. What we are asking for : 1. Forbearance until XX/XX/XXXX. 

2. Deferred payments to be due at the end of the loan as mentioned on the XXXX XXXX website. 

3. A change of accounts from which the mortgage payments will be automatically withdraw.

I am attaching a copy of my letter of XX/XX/XXXX and a copy of their reply, undated and sent by XXXX  ( see copy of shipping label - ship date XX/XX/XXXX ) We received no reply by XX/XX/XXXX as mentioned in the Wells Fargo letter
Product: Vehicle loan or lease

In XXXX of XXXX I purchased a car from US auto sales. Never missed a payment right up until they went out of business in XXXX of XXXX. I received and email from US auto sales in XXXX of XXXX saying a company named Westlake Portfolio Management would be taking over the car loan moving forward. Prior to this, I never received any documentation in the mail about any of this taking place. I received the info about US auto goin out of business via word of mouth. I had a problem with this move because I never signed a contract with Westlake. In XXXX Westlake contacted via email saying welcome and I had to pay them money for my car. When asked to verify the debt by providing the original contract, I was ignored several times. This company is extremely rude and disrespectful. On XX/XX/XXXX Westlake Portfolio Management illegally repossessed my vehicle. At the time of the repossession, US auto finance, Inc was still the lien holder on my vehicle. You can not take something that does not belong to you, thats called stealing. Finally, I received bits and pieces of a copy of the contract in the ladder part of XX/XX/XXXX. This was not what I asked for. Not to mention they are forcing people into new contracts with them and then changing the terms of that contract after its been signed. They need to be completely SHUTDOWN!! The way they are conducting business is truly unlawful and they have to be stopped. Through personal research Ive found that they have lots of lawsuits against them for this same behavior.
Product: Checking or savings account

I am writing to formally request assistance with a dispute involving Capital One Bank. I filed a fraud claim with Capital One in XX/XX/year> regarding unauthorized transactions on my account. Despite providing all necessary information to support my claim, it was denied with the justification that my card was in my possession at the time of the transactions. However, this is not accurate, as my card was not in my possession during that period. 

Details of the incident are as follows : Date of Claim Filed : XX/XX/year> Account Information : XXXX Transaction Details : {$390.00} I believe Capital One failed to conduct a thorough investigation of my claim and incorrectly denied it based on incomplete or incorrect information. This has caused significant financial stress and inconvenience, as I am being held responsible for charges I did not authorize or make. 

In accordance with the Electronic Funds Transfer Act ( EFTA ) and Regulation E, I believe Capital One has not met its obligations to fairly investigate and resolve my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX, XXXX and TransUnion on XX/XX/2020 about inaccurate and unverifiable items on my credit report. It has been over 4 months and I have not received a response from anyone. I feel like my dispute letters are being ignored and that it does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 120 days, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting I have 2 collections in the summary section of my credit report. However, I there are not collection listed, please correct the error as it's effecting my credit report. 

I have attached screen shots as well. Please correct ASAP.
Product: Credit card

I requested a balance transfer from an old credit card to a new XXXX from Wells Fargo. Allegedly there was an error in XXXX digit of the old credit card from which I was transfering, and the balance transfered was not from the intended account. I made a claim and it 's been XXXX days since the claim was initiated, and Wells Fargo still has not done anything and they will not provide any info besides that nothing has been resolved. No one has called me despite my many requests for info. Now I still have the old balance, plus wells Fargo applied to my new credit the transfer balance, so I have XXXX the debt. I just want them to do a reversal of the transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to get insurance through XXXX and have been turned down by LEXIS NEXIS due to the following : Were sorry, but XXXX declined your application because your Motor Vehicle Report ( MVR ) and/or your Claims Loss Underwriting Exchange ( C.L.U.E . ) report show 3 or more insurance claims in the past 36 months. Therefore, you are not eligible for coverage with the XXXX XXXX. The report ( s ) were provided by : I have only had one and it the accident was not my fault. It was paid out by the other drivers insurance company.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA )! Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inquiries on my credit report that are not authorized. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These inquiries listed are not authorized and need to be deleted from my credit report. : XXXX, XXXX XXXX, XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a late payment reported on my credit which was an error. I notified the creditor and started disputes with XXXX, XXXX, and Transunion in early XXXX. The creditor mailed a letter which I received on XX/XX/2020 noting that XXXX, XXXX, Trans Union, and XXXX had all been notified of the update. Upon checking my scores and report, all credit bureaus with the exception of Trans Union accurately updated my report and score. I've tried dealing with Trans Union but between the recent XXXX attacks their cyber security department failed to prevent and general incompetence, I have gotten nowhere. Trans Union concluded my dispute saying they never received any information from the creditor with the late payment/delinquent remark - yet the other three bureaus have ...
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Transunion Fraud Victim Assistance Department XXXX XXXX XXXX XXXX, CA XXXX I am making a final goodwill attempt to have you clear up this matter. The accounts you sent back verified are entirely inaccurate, incomplete and represent a very serious error in your reporting. Also, be advised that this is my second time contacting you company about this matter in writing. Your company is in violation of 15 U.S.C. 1681. No need for me to go into detail and tell you the law. Your company KNOWS for a fact that you are required under the FCRA to have properly verified the accuracy of an account listed on my credit report with physical documents. As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. That basically means that you cant just verify my account by telling me it is verified. Nor can you verify my account by telling me you contacted the creditor and the account I disputed is Verified. This means that IF you cant send me proof of these accounts from YOUR COMPANY, it must come off. All in all, you have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly delete all information which can not be verified. This law is as clear as daylight as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX will also have your company investigated by the Federal Trade Commission ( see 15 USC 41 , et seq. ). I am also maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX Trans Union XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, you may be liable for your willful noncompliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act Also, I would like an updated copy of my credit report once this investigation is complete. Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX