23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

My car caught fire on XX/XX/2017 unexpectantly as I drove it. I filed both an insurance claim and a claim with the manufacturer of the car. As of to date the claim is still open and under investigation as I await results from the manufacturers engineer report. The bank in which I financed my car is aware of the situation and has all the documentation they need to either stop requiring me to make payment as my insurance company will declare the car a total loss or if it is a manufacturer default they will compensate for the vehicle. To date I have been called and harassed from capital one about possible repossessing my car, which I do not have in my possession and has since the vehicle caught fire ... ..
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> Equifax XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request for Method of Verification XXXX  Account XXXX XXXX Dear Equifax , I recently disputed an account on my credit report, and I am requesting the Method of Verification for your investigation. The account details are as follows : - Creditor : XXXX XXXX XXXX - Account Number : unknown -XXXX : XXXX XXXX XXXXAccount Number : XXXX Please provide the following information under the Fair Credit Reporting Act : 1. The name, address, and phone number of the party who verified the account.

2. A detailed explanation of how the information was verified.

I expect your response within 15 days of receipt of this letter, as required by the FCRA.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report from XXXX  XXXX. I noticed several accounts reporting inaccurate information. I submitted letters to all three credit bureaus. XXXX  Never responded and the other two credit bureaus never deleted the accounts
Product: Credit reporting or other personal consumer reports

My lease which has started on XX/XX/XXXX  has disappeared from my credit report in XX/XX/XXXX  and has not shown up since. Ive checked all credit bureaus : XXXX, Experian, & XXXX and my lease or payment history is not shown. This is effecting my credit score and payment history, plus it has drastically dropped my score due to the hard inquiries Ive received when applying for said lease. My objective is to have my loan/payment history updated with the CORRECT information and also have said inquiries removed permanently.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this XXXX account that's on all 3  credit Bureau 's that says I owe XXXX, it came back that it is my account by the consumer. So I called the collection agency and I have the call recorded which I told them I was a recording so I wasn't doing anything wrong. First I was hung up on 2 times because the people couldn't find my account through my name or social security number. I was so upset that my fianc called back and spoke with them. To which again they said we can't find her account there is nothing listed for her. He and I both said then you need to take this off her credit reports, you can even find the account. to which their response was to hang up a third time. I called XXXX and was on the phone for 3 hours trying to get this removed off my credit report and they said dispute it again, which I did and the company cam back saying the account was valid. I asked XXXX where was this opened at? They said in XXXX, I have never lived and XXXX and followed up with how is it that I opened an account with XXXX which since has been removed off my report in XXXX XXXX  then 2 months later open another account with XXXX in XXXXXXXX. It shows all over my credit bureaus that I'm a victim of identity theft. I just found out yesterday that this person filed tax returns in my name which I will be filing a police report. But this company needs to remove this off. my credit bureaus. Ive done everything I can and I'm getting no where. It's XXXX XXXX. XXXX
Product: Credit reporting or other personal consumer reports

I looked at my consumer report and I noticed errors with my personal information : As far as I know by the laws and regulations, any and all others are inaccurate and/or outdated information must be deleted immediately from my consumer report as they are not reportable as per the FCRA since they are inaccurate This is the ONLY personal information that should be reported on my credit report Please update my name to : XXXX XXXX XXXX update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Birth : XX/XX/year> SS # : XXXX Also, the only name and address that should be reported on my consumer profile are the ones listed above and in the documents attached to this letter. Again, anything else should be deleted ASAP from my credit file I know that you want proof of my personal information that is listed above so I decided to include this information in the letter to make it easy for you to delete the inaccurate information I also noticed the following accounts reporting inaccurately, there are quite a few of them, which left me a bit shocked and confused! I've listed the ones I saw below but there may be more as I continue to review my report. Mistakes such as these can cost me thousands of dollars in interest a year!
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed goodwill letters asking that XXXX  XXXX XXXX update the inaccurate reporting of my student loan under the FCRA on XX/XX/XXXX. The loan has a lot of NO Data reporting 's that date back to XX/XX/XXXX and all the while my payments were being made on time. I will attach a copy of the letter. If you look in the details section under each of the XXXX  XXXX XXXX accounts you'll see the gross negative inaccurate reporting the exact same way for each loan. I request that it be updated. I also forwarded a copy of these complaints to the attorney general. 

Thank you for your time, XXXX XXXX
Product: Payday loan, title loan, or personal loan

There is a loan on my account XXXX - Fortiva number XXXX - I did not apply for this load
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed inquiries I didn't consent to and personal information I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I never consented to these inquiries and did not provide written consent to report them List all inquiries : Here is the personal information that I never consented to or provided written consent to report : List all personal information want deleted :. 
Please investigate and provide proof with statements showing that I authorized or consented to these inquiries or personal information and proof that I authorized the reporting of this information. If proof can not be provided I demand these inquiries and personal information be deleted. 
Adjust accordingly if there is no inquiries or personal information to be deleted "
Product: Checking or savings account

Long story short, XXXX, bank was hacked. Did what I read to do. 2 1 $ transactions already went through. Card was Blocked XX/XX/XXXX I believe, was told I would get card 2-3 business days, Therefore I took out enough for them days. The 2-3 days  came and went, I needed money for myself and my 2 dogs ; There were no Capital One bank near me. So after that I called to say I didnt receive my card. So XXXX had to re order, i cryed torrent I have no-money and Im starving along with my dogs. ; bills were still able to be paid still ) XXXX said if I want card sooner it will be {$25.00}!!! I arqued but was out of my hands. The next day I checked my balance and there were 2 charges for Fed X expidite card charges : TWO. So every day Im calling, 2 mgrs said I should not have been charged at all, and {$50.00} should be refunded in 2-3 days. By this time I have talked to 5 people and 3 mgrs total. It is XX/XX/2018 still nothing. So now I have to pay my daughter back XXXX Im on Social Security XXXX, and I have been totally disregarded! 
Sent from XXXX
Product: Credit reporting or other personal consumer reports

On XXXX I wrote to JP Morgan Chase and I told them I wanted to opt out and to remove any authorization I gave them, but I got no response to my request.
Product: Credit reporting or other personal consumer reports

Multiple accounts on my credit report contain inaccurate or inconsistent information, violating the Fair Credit Reporting Act ( FCRA ). 
These inaccuracies have harmed my credit profile. I request immediate deletion of these accounts and resolution within XXXX days. All supporting documents are attached for review.
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 : ( 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: Checking or savings account

Subject : Complaint Regarding Unlawful Reversal of Charge XXXX XXXX XXXX Cancellation Due to Force Majeure Dear CFPB I am writing to formally file a complaint regarding an issue with XXXX XXXX and Chase Bank concerning the refund of my canceled flight. Below is a detailed summary of the situation : On XX/XX/XXXX, I had a round-trip flight booked with XXXX XXXX XXXX XXXX United States XXXX XXXX, with my return flight scheduled for XX/XX/XXXX. I boarded my flight from the XXXX and had a layover in XXXX before continuing to XXXX. However, due to an XXXX  by XXXX on XXXX, the flight was unable to land in XXXX. As a result, the aircraft returned to XXXX, and I was subsequently sent back to the United States. 

At XXXX XXXX, XXXX XXXX representatives informed me that my ticket would be refunded due to the flight disruption. However, despite this assurance, both my outbound and return flights were later canceled by XXXX XXXX, and no refund was issued. I have attached the email confirmation of the flight cancellation for reference. 

The total amount I paid for this ticket was {$950.00}. 

After multiple unsuccessful attempts to resolve the issue with XXXX XXXX over the course of a month, I disputed the charge with Chase Bank. Initially, the bank ruled in my favor and credited the amount back to my account. However, after three months, Chase Bank reversed the dispute and returned the funds to XXXX XXXX, despite my clear explanation that : 1. The cancellation was due to force majeure, and I had no control over it. 
XXXX. XXXX XXXX unilaterally canceled both my outbound and return flights and refused to provide a refund. 
3. Airlines operating in the XXXX are required to comply with the Department of Transportation ( DOT ) regulations, which mandate refunds for canceled flights. 

I emphasized to Chase Bank that XXXX XXXX is obligated to comply with DOT regulations regarding flight cancellations due to force majeure. However, my concerns were ignored, and the bank proceeded with the reversal without addressing my arguments. 

This situation is unjust, as I was denied both services and a refund for reasons entirely outside of my control. Furthermore, Chase Bank failed to protect my consumer rights by disregarding XXXX aviation regulations. 

I am requesting that this matter be properly reviewed, and that I receive a full refund of {$950.00} for my unused flight. I appreciate your prompt attention to this issue and look forward to a fair resolution. 

Sincerely,
Product: Vehicle loan or lease

First and foremost Ive recently been educating myself in financial literacy and have found out that more than 90 percent of my consumer report has been in violation for the past couple of years. I have made Many attempts to all 3 Agencies via certified mail last year XX/XX/ to get back control of my Consumer Report by informing them to Deleting incorrect addresses and informing said Agencies about inaccuracies on my consumer report made by the Persons/Financial institutions Furnishing the Data to these Consumer Reporting Agencies .
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against TRANSUNION regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX XXXX, I request that my name be updated to reflect the correct information. 

2. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX. I request that my current address be updated accordingly. 




Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address.
Product: Credit reporting or other personal consumer reports

My letters arrived at the bureau on XXXX and I called on XXXX I told them I wasnt a third party. They refused to read and verify my letters. I filed a ftc report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called and spoke with someone about this issue on the phone. I was told that my claim would be looked into and the information is still appearing on my record. This is not my criminal history being reported to companies when I'm trying to get employment. It's defaming my character and it's very embarrassing. I also have proof from XXXX stating the information they were furnished with came from LexisNexis about my criminal background. Furthermore, I wrote to LexisNexis and asked them to remove this error from my report again. I have not heard from LexisNexis as of yet. My letter was sent in XX/XX/2020.
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. 

Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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: Checking or savings account

I was sent a notice of inactive account on XX/XX/XXXX from Bank of America. I called the customer service number listed as instructed within 30 days of the date listed as instructed, but find that they've prematurely closed the account already. When I called the first time, the representative I spoke to told me that the funds ( {$5600.00} XXXX had already been sent to the state. When I called my state 's unclaimed property department, they said they had not received the funds yet and to call back in a month. I do so, and they say they've still not received it and to call the bank again. 

I call Bank of America at this point and the representative asks me to send him a copy of the inactive account letter and to call back in two days. I call back, and they have no record of the call. I end up getting busy with work for the next few months and don't have time to follow up. 

Then on XX/XX/XXXX, I call and am assured that they will be sending out a check and should receive it in 6-8 weeks. I get a reference number.

Another two months go by and I've yet to receive anything. On XX/XX/XXXX, I call again and the representative seems shocked that I've been dealing with this for over a year and gets the issue escalated, and assures me that I should receive a check in 1-2 weeks. 

Almost a month goes by, and nothing. Today is XX/XX/XXXX, and I call again. The representative says I should give it 6-8 weeks, without any confirmation of whether this check has actually been sent, or if it's even been sent to the correct address. 

I've spent countless hours calling and dealing with this for over a year, not to mention the possible loss in investment value.
Product: Credit reporting or other personal consumer reports

I am writing to express my continued dissatisfaction with the handling of my previous disputes regarding inaccurate entries on my credit file. Despite several attempts to resolve these issues, the erroneous entries remain uncorrected. This persistent inaction is both frustrating and troubling.
Product: Checking or savings account

Back in XX/XX/2019, I checked my Bank of America checking account. I noticed several fraudulent transactions totaling over {$600.00}. I immediately contacted my bank, they were able to refund the money as an investigation was put in place. Fast forward to XXXX, I received a letter in the mail from Bank of America ... I didnt read it as I thought it was stating that my claim was resolved. Later to find out in XXXX that the money that was refunded to be was taken back. Again I immediately call to see why, Bank of America stated that I made false claims and no fraud had occurred. I demanded for the claim to be reconsidered ( escalated ). The rep said she would put that in for me and for me o contact the merchant meanwhile and submit a written statement. I call the merchant ( XXXX ) they tell me my name, phone number, and email address is not associated with any account and they can not help me for me to contact my bank. I wrote my statement, send it to Bank of America through Fax and tell them what entailed during the conversation with the XXXX rep. They continue to tell me to check back later. Now this was a Friday, theyre closed Saturday-Monday and reopen Tuesday due to XXXX day. I call Tuesday to find out that it might be reconsidered to call back at a later time. Now Wednesday early afternoon, I call again an they tell me they are only refunding me {$160.00} because they came to an agreement with the Merchant. Now I immediately asked them why only {$160.00}? Especially because that {$160.00} charge was made in two transactions. The bank said this is all they can do for me because the investigation didnt come back as fraudulent. I continued to let them know that this doesnt make sense because here was so many charges to my account which all added up to a higher amount and they were only going to refund a portion. The rep said thats all they could do and basically theyre job is done. I asked to speak to a higher up and its the same thing. The supervisor couldnt do anything and for me to basically be happy I got {$160.00} out of over {$500.00} back. No explanation of how those charges made it to my account, no name of the person who did this, and no REAL investigation was done. I refuse to take this as a loss, this was NOT my fault, the bank should have the customers back instead of flipping the story and saying it wasnt fraud. FURTHER REAL investigation needs to be done. The person is still out there getting away with this, and it will continue to happen to innocent people. Hard earned money, gone, and refused to give back.
Product: Credit reporting or other personal consumer reports

Please ensure these unauthorized accounts are promptly blocked and removed from my credit report. I did not open or authorize these accounts and have no knowledge of their origins. Pursuant to USC 1681g, I request their removal within 15 days. Attached are the relevant documents for your review and reference.