23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information, financial information, social security number, address, and other crucial identifiable info may have been leaked to third parties without my consent due to gross negligence on Equifax 's part on securing their data.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2021, I purchased a used vehicle through XXXX within a day the car 's engine light came on. I choose another vehicle BUT though the 2nd car was comparable in make, model and price XXXX  wanted times more the down payment I had already paid. Ultimately, days passed and the 2nd car deal fell through. When I went to have the vehicle repaired I was informed I was in a " rebuild process '' that could take 0 days to " rebuild '' the original contracts. 

However, on XX/XX/XXXX my granddaughter and I were caught in a flashflood that totaled the vehicle. My car insurance quickly completed their process and paid the car off. However, XXXX and its affiliated finance company DID NOT. I have had to file several complaints with the XXXX  to get XXXX to complete the " rebuild " process. Likewise, I had to file a XXXX  compliant to get Bridgecrest to apply the checks to my account which they applied XXXX BUT removed XXXX XXXX, for reasons unknown to me. AND, today, Bridgecrest added a negative rating on my credit report for the full amount of the loan to a vehicle that has been paid off. Additionally, my GAP insurance company is waiting for XXXX and Bridgecrest to supply them with documentation to complete their process. 

These people have made a horror situation worst by lack of transparency and competency and I believe they are predatory lenders harassing me for a vehicle that they know was deemed a total loss from a natural occurrence. PLEASE HELP!
Product: Credit reporting

I have applied for a credit card three times in the past nine months. After the first application I discovered inaccurate information reported by XXXX. 
The 2nd application resulted in inaccurate information reported by Experian. 
I requested a copy of my credit report from Experian and was informed that there was insufficient credit history to provide a report. 
But when I applied a third time I was then again denied because of " outstanding debts, '' The lending institution, XXXX XXXX XXXX provided XXXX account numbers associated with its report alleging bad credit. 
Both of these accounts are with XXXX XXXX Bank with which I have NO association. 
However, XXXX XXXX is listed as an authorized user. I have never applied for, nor received ANY credit from XXXX XXXX Bank AND as a matter of fact have been denied a credit card three times now. 
I have submitted fraud alerts with both XXXX and Experian. For some reason the online system with all XXXX agencies would not allow me to proceed. I also too have submitted a request to XXXX. 
With each correspondence with any and or all of these agencies I have submitted copies to the CFPB. 
I would appreciate any assistance that can be provided in clearing my good name and credit status.I strongly suspect that I have become a victim of identity theft and am working closely with all credit reporting agencies, the Consumer Financial Protection Bureau, XXXX XXXX, and the Social Security Administration to clear my good name and credit report.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$5500.00} XXXX XXXX XXXX XXXX Balance : {$5300.00} XXXX XXXXXXXX Balance : {$5300.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX FIN XXXX XXXX : {$0.00} XXXX  XXXX XXXX  XXXX Balance : {$680.00} XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

{$360.00} last report date XX/XX/2019 I submitted an online dispute several times. 
I also send in a written dispute as well. 
Nothing was done I contacted the creditor directly and they will not comply
Product: Debt collection

Disputed : XXXX/XXXX/XXXX CFPB : SunTrust Bank/Light Stram & XXXX XXXX XXXX XXXX Account : XXXX In XX/XX/XXXX I contracted the services of XXXX XXXX XXXX, XXXX a debt consolidation company to assist me with the consolidation of debts that were causing me great financial hardship due to a decline in my income due to a reduction of hours worked for health reason. The program I committed to enabled the payoff of debts to ( 7 ) creditors, one of which is : SunTrust Bank with an original debt of {$6300.00}. 
I have just completed my accounting for tax purposes and found that I have paid {$600.00} to the creditor via the consolidation program and my balance now due is {$5700.00}. 
I have continually made my payments on time to this company and paid more than the agreed monthly payment amount and I have never received an update statement requested each month outlining my balance although I have contacted the company over the last ( 6 ) months and have not been able to receive a response to any of my communication. 
On XX/XX/XXXX I wrote to the creditor and offered my promissory note and payment arrangement which was sovereign certified because it had come to light that the consolidation company is no longer trading and is under investigation for Fraud and Deception by the FTC and it has also come to light that my payments made to the creditor via this company were never applied to my debt which now has negatively impacted the balance owed. 
My direct offer to the creditor on XX/XX/XXXX to pay off a remaining balance of {$6300.00} was declined by the creditor of which I am grateful as my financial accounts highlights that balance as being incorrect and if it were accepted at that time, I would be liable for paying far more that what is actually owed and I request that the amount owed be corrected to reflect the payment made of {$600.00} via the consolidation company and report the actual correct balance of {$5700.00}. 
Please see attached signed Agreement page for debt consolidation program and the date of the agreement.
Product: Credit reporting or other personal consumer reports

I have tried to apply for a loan, but they denied it since they indicate that there is a social security number, I currently have an ITIN NUMBER, I do not have an SSN. This is mixed information. I have requested and sent XXXX and Experian the evidence and my documents, but they still ignore my request.
Product: Debt collection

I am sending this complaint hoping to get a fair solution on this case. Capital One has been not following their own value that says " doing the right thing ''. 

This is the account informatino I am writitng about : Account number XXXX, opened date : XX/XX/2016, limit {$500.00}. This case is worth over {$100000.00}. 

Here is why Capital one is not doing the right thing : They are committing multiple violations to my consumer rights. I made my own research, and they are doing bad by committing the following violations and tiggering this damages : 1. Legal advice expenses.

2. Re-aging charged off account : date last active is being reported after account started being charged-off. This can create unfairness on status of limitation.

3. Not being able to obtain loan.

4. Emotional stress.

5. Unfair business practices 6. Negligence. 
7. Failing to mark account affected by natural disaster.

8. Reporting discrepancies across bureaus : Different high credit.

9. Breach of contract.

10. Reporting false and erroneous information. 

Please make sure that this company receives the attached documentation. 

Thank you very much.
Product: Mortgage

In XX/XX/XXXX I was put on disability and my disability payments did not start until XX/XX/XXXX that was my eligibility date. in the meantime I was living off of partial pension of {$600.00} a month I called my mortgage company XXXX XXXX XXXX company to start up loan modification process I am still in the process of trying to get that modification through its been five months every time I call I get different information that they want me to send in and every person I talk to tells me to send in different items I have sent them paperwork on six separate occasions after filling out the initial application with all the necessary paperwork along with it every time I call they tell me that I need to provide additional information. Ive have been doing this for five months! in the meantime Im living off of {$600.00} a month and just started receiving my Social security approximately 28 days ago. Ive been trying to get the modification so that I have enough money to live on and I feel like theyre trying to keep me from getting the modifications so that my house will go into foreclosure .. at this time I have owned my home for 15 years and have never been late on any of my payments Im still keeping current on my payments through help from my family who has run out of money to help me with. I am at my wits end trying to resolve this issue.. I have done everything necessary on my end including keeping up my payments. at this point I am so upset and frustrated and being disabled on top of it is making my health deteriorate I need some help trying to resolve this issue with this company which is been the most unprofessional frustrating situation in my life. It is so frustrating not to be able to talk to the same person every time and also to not be able to go to a brick building and talk to somebody face-to-face .this company has outsourced their customer service to another country which creates a language barrier as well. there is no accountability, because every time I call its a different person! I am a XXXX who is XXXX living by myself trying to resolve a situation with a company that does not even know I exist I am beyond my capability to hold them accountable ... I would appreciate any kind of help I can receive in this horribly frustrating situation ..
Product: Checking or savings account

On XX/X/17 a wire was sent to my Amegy Bank account by mistake from a customer. When I tried to transfer the money out of the account into my current bank account at XXXX XXXX XXXX, Amegy, refused to do it. They said that the account was not current because it had been dormant for so long. So Amegy told us to come back the next day because they had a hold on our account and that we could sign a form to send the money to our XXXX account the next day and close the account. However, in that same day, they tried to transfer our money back to our customer. But because I made a credit card payment from that account, because it did not show a hold and my payment went through, they told us the next day that they would release the hold. We wrote a check from the account to our current account for XXXX the next day and then Amegy transferred XXXX to our XXXX account. We had a balance in the account of XXXX. A few days later, I wrote a check to close out the account and deposited it into our XXXX  account. I was not told that there would be a wire fee between banks. So by writing the check, it put the Amegy account in INS Funds. I was then charged a XXXX Ins funds fee and a daily overdraft fee of {$5.00} per day until we paid it off and closed out the account. This is all confusing to me since I also received a letter from Amegy stating that if I wanted to keep that account open I needed to sign a form and send it back. I figured if I did not send the form back that they would consider the account NOW closed. But they did not. I am out XXXX, from this situation, it is not much, but it was enough for me to believe that what Amegy is doing is not right. When the wire was made for the XXXX they should have told us a fee would be charged and we would have added it to the wire transaction. Also, I have never ever been charged {$5.00} a day for insufficient funds in my life. Please look into this for me. 

I have the letter that was sent to me from Amegy Bank about the account status which I did not get until after this matter. I also have a copy of the bank transactions which I can send to you if you need them. Just let me know
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX Balance : {$9100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention that you are reporting transactions on the account XXXX between the consumer ( XXXX XXXX ) and XXXX Santander Consumer USA Holdings with your company to the consumer report. This is ILLEGAL and accordinging to the FCRA ( Fair Credit Reporting Agency ) Code 15USC 1681 ( a ) -2a1 except provided in paragraph ( 3 ) the term consumer report does not include reports containing information solely as to TRANSACTIONS. My TRANSACTIONS history between consumer ( XXXX XXXX XXXX & XXXX Santander Consumer USA Holdings is EXCLUDED from the consumer report. DELETE this item marked as late from my consumer report. You are breaking the law. This has affected me tremendously and is harassment. On XXXX I sent a Cease and Desist that clearly states my rights have been violated.
Product: Debt collection

They called my family members. So embarrassing. Threat with lawyers with me. Ask them not to call anyone Commefity Bank
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXXXXXX Account number XXXX XXXX XXXX XXXX Balance on XX/XX/XXXX {$7900.00} Original loan amount {$12000.00} Account status Closed Date opened XX/XX/XXXX has violated rights of privacy. 15 U.S.C 1681 SECTION 602 A. STATES i have the right to privacy 15 U.S.C 1981 SECTION 604. A SECTION 2 states that the consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been informed that Experian does not have my credit history and that I will not be approved for a personal loan. Credit cards and other lenders are not disclosing my credit history, according to Experian. Since my credit history with XXXX and XXXX includes credit cards, mortgages, auto loans, and personal loans, this doesn't make sense to me. Since1990, I have had credit without any problems. Experian requested that I phone each of my creditors to ask that they send credit history to Experian. However, they have not given a justification for why this is taking place, and I am unable to get any responses. Furthermore, Experian only permits disputing inaccurate information, fraud, and personal information ; but, since I lack a credit history not the fault of my own, I am unable to dispute the absence of credit history. Although creditors claim to be delivering credit histories, no one seems to be taking responsibility for resolving issues regarding the absence of credit reporting. Do I have a legal right to a credit history at each of the threXXXX bureaus?
Product: Credit card or prepaid card

On XX/XX/2021 I tried to use my LLBean Mastercard at a local retailer. The card was declined. 

This card has a {$10000.00} limit, I use it infrequently and pay the balance in full monthly. 

I had made a payment of {$11.00} on XX/XX/2021. 

Unfortunately, the amount I paid, which was in a large green box in print larger than any other print on the bill was my XXXX XXXX XXXX, not the balance to be paid. The actual balance to be paid was in small black print at the bottom of the bill. The actual balance due was {$14.00}. 

The credit card company declined my card for an outstanding balance of {$3.00}. There was no other past due amount carried over previously. Just an amount of {$3.00} not paid. 

What i can not understand is why the credit card company did not allow a balance of {$3.00} to be carried over to the next month and charge interest on that amount. 
Why did they decline the card and cause me the embarrassment of declining the card and have to leave my purchase at the retailer. I was a long-standing customer with this credit card. I had a balance of {$3.00} not paid that month. I mistakenly took the large printed amount of the reward earned for my amount due. 

I feel I was treated very unfairly. Also, the amount due should be the largest print on a bill, not the rewards earned.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am literally at the end of my ropes I've been victimized and I have done everything but get a lawyer involved. I am a victim of identity thief, these accounts are not being reported with my consent. Yet, here I am being harmfully punished behind this crime I don't get it.In no way is this lawful its a violation of my privacy and i feel I have to get a lawyer involved for my justice. i have reached out to everyone and no one has responded yet!
Product: Credit reporting or other personal consumer reports

I went to the car dealership, and I wanted to apply for a car, and they shopped my credit around without my consent. I told them I would go through my personal bank, and they proceeded to go forward without my permission. This has affected me extremely as my scores have dropped and i have been getting denied for lines of credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting my account as past due for just {$12.00} when I have never been late before and my account is paid off with a current {$0.00} balance.
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 Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX I received a bill from you on and as allowed under the fair debt collection practices act ( fdcpa ). I am requesting that you allow me to validate the alleged debt. I am aware that there is a debt from XXXX XXXX XXXX, but I am unaware of the amount due and your bill does not include a breakdown of any fees. Additionally I am allowed under the Heath Insurance Portability and Accountability Act ( HIPPA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX for them to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more is to only be revealed with the patient 's authorization.

Therefore my request is twofold -- validation of debt and HIPPA authorization. Please provide a breakdown of fees including any collections and medical charges. 
Please provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting till the debt is validated. 
Please send this information to my address listed above, and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in attempt to be HIPPA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you have received from the provider of service in connection with this alleged debt.

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Debt Credit Reporting Act, which can allow me to collect damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. 

Sincerely XXXX XXXX XXXX
Product: Credit card

On XX/XX/2024 at XXXXXXXX XXXX I make a payment on my credit card ending on XXXX at an ATM with cash in the amount of {$1000.00}. The payment did not go through and I received a receipt that stated " It looks like there was a problem completing your payment. Call us at XXXX for personal credit cards or XXXX for business credit cards. 
I did and at first they credited me the amount but on XX/XX/2024 that credit was revoked for whatever reason. They did not give me any proof they just said the credit was made in error. Why then do I have the receipt for the payment? Did they even check the camera at the ATM? I have the sequence # XXXX on the receipt and the XXXX XXXX XXXX at the XXXX XXXX XXXX, XXXX XXXX CA. the XXXX ID : XXXX
Product: Debt or credit management

re : XXXX Issues were not addressed. Like the issues were ignored. I pointed out that accounts that are charged off are considered to be income by the IRS and income can not be reported on a credit report per the FCRA so the charged off accounts need to be removed. I provided a list of accounts that were charged but instead I received a copy of my credit report and a letter stating that I said there was identity theft, niether of which I asked about. 

CFPB sued and fined Equifax because they were not addressing the concerns of consumers