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

I have a car loan that is due weekly. I get paid every 2 weeks soon the off weeks of my pay the day after the payment is due the company ( sensible Auto ) will call me 8 times a day some on my phone and some on my spouse, s phone. Even if we talk to them on the phone they will still repeat calling an hour later. My voicemail box is full for the company repetitively calling me and I only owe a little over {$100.00}. I explained to the company numerous times about my pay schedule and they still harass me. They even call me back to back when I'm at work trying to make the money to pay my payment, I have stated this to them and an hour later they call back and act like they are doing nothing wrong
Product: Credit card or prepaid card

Today, XX/XX/23 I received a bill in the mail from XXXX XXXX XXXX XXXX Home Depot. It indicates that I opened an account and have a balance of XXXX. The purchase was made in XXXX NJ and I live in PA. The account number for this fraudulent account is XXXX This is the second occurrence of fraudulent account activity at Home Depot, charges from the same city were made on my existing Home Depot account with Citi Bank
Product: Checking or savings account

On XXXX XXXX, 2025, deposited a US Treasury tax refund check ( properly endorsed on the reverse by all parties ) in the amount of {$3200.00} to my Capital One checking account via the ATM at the XXXX XXXX location in XXXX, MA. Both parties endorsing the check have accounts and signatures on files with Capital One bank. Deposit was acknowledged and received at ATM and receipt was provided. Also later received email confirming that the check had been successfully deposited into my account. 

The next day I received a new e-mail from Capital One stating that my availability to the funds will be delayed for OVER XXXX  DAYS, with the added threat that they may not ever release the funds to me : " Your check deposits have been delayed. After reviewing your check deposit activity on XXXX for your account ending in XXXX, the availability of {$3200.00} has been delayed until XXXX. Based on confidential information, XXXX or more of the check deposits may not be paid. You dont need to take any action. If the funds dont return, theyll automatically become available on XXXX. '' I returned to the XXXX XXXX at XXXX XXXX in XXXX, MA, on the morning of XXXX XXXX, 2025, and spoke to banking representative XXXX to explain the situation and inquired into the cause and remedies. XXXX called his internal bank resources by phone in my presence to try to help, but Capital One refused to specifically state what the cause of the delay was, refused to offer any means of expediting access to funds, and declined to return my unprocessed check to me. 

The matter is most urgent. The deposited US Treasury check expires on XX/XX/year>2025. Since they are delaying processing and access to funds until XXXX XXXX, 2025, if at all, they are effectively depriving us of our legally entitled funds.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records 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 : XXXX, XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX, XXXX, XXXX ; XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, CO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, CO XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, CO XXXX XX/XX/XXXX ; XXXX XXXX XXXX, XXXX, CO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, XXXX, CO XXXX ; XXXX XXXX XXXX Balance : {$990.00} ; XXXX XXXX XXXX Balance : {$400.00} ; XXXX XXXX XXXX Balance : {$580.00} ; XXXX XXXX XXXX-discharged Date Filed : XX/XX/XXXX Case # : XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX.
Product: Credit reporting 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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 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 spoke with a USAA representative on XXXX the XXXX when I made a transfer from one financial institution into our USAA institution. When I noticed like I have in the past that USAA decided to hold XXXX of the XXXX I deposited. I deposited this amount specifically to pay bills I knew were coming out. I called to complain about this because I noticed that USAA picks and chooses which transaction they want to hold. When they do this they put our account into the negative causing NSFs. Now here is the kicker, we're I believe they are doing something illegal. When they put the money on hold and say they are releasing it within 10 days, which XXXX said it can be 7-10 days they will automically go back to the date and release the money on the original date and no one can see the hold. The hold is entirely gone. It's like it never happened but the fees are there. I asked that the fees be returned not based on a courteous but because it was USAA fault that the NSF happened in the first place. So although I accepted the courteous NSFs, I dint want to but was afraid our account will go back into tue negative because of the mishap in the first place. 

They also did something similar when we had a fraudulent charge on our account. The amount of the fraudulent charge was XXXX I believe. They told us the company reimbursed us the money. USAA decided to take our money the following month, saying the company reimbursed us so the money they gave us until the investigation was over had to come back to them. We were like we didn't get a reimbursement from no company. We had to go back 20-30 transactions and magically it appeared the same day we said the money was taken from us. So how did the company reimbursed us the same day we made the complaint. Give me a few days and I'll have all this information available to upload. So we don't know if the company gave it back to us or it's just some illegal tactics USAA are doing because when we contacted the company they said they didn't see anything about we got scammed from them and couldn't find our names or nothing which made us suspicious of what USAA did. They need to be investigated to the fullest because it's strange how they can go back weeks and even months to make it seem like a transaction never happened
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit reporting agencies are required to remove any item listed on an id theft report. Please find the attached documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX Balance {$7900.00} ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX Inquired XXXX XXXX, XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX on XX/XX/XXXX ; XXXX XXXX, XXXX XXXX on XX/XX/XXXX ; XXXX, XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXX, XXXX XXXX on XX/XX/XXXX ; XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX, XXXX Inquired XXXX XX/XX/XXXX ; XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXXXXXX XXXX Inquired on XX/XX/XXXX ; XXXXXXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXXnquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquiredon XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XXXX XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXXInquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired XXXX XXXX, XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX Inquired on XXXX XXXX, XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX on XX/XX/XXXX ; XXXX Inquired on XXXX XXXX, XXXX ; XXXX XXXX Inquired on XXXX XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXXInquired on XX/XX/XXXX ; XXXX XXXX on XX/XX/XXXX ; XXXX Inquired onApr XXXX, XXXX ; XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX ; According to FCRA Section 605B ( a ) the XXXX XXXX AGENCIES shall block 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 of receipt.
Product: Checking or savings account

I had 2 accounts at JP Morgan Chase Bank. On or about XX/XX/XXXX, I filed a claim on my Debit transactions for the over charges of a merchant. The merchant XXXXpproved cash advance debit transactions but they were processed credit transaction which I was charged more higher fees. Chase accepted my claim and I was temporarily given refunds. On or XX/XX/XXXX, I had direct deposits ( DOL {$5000.00} ). We tried to make withdrawals but the bank system would not allow us. I scheduled bills payment on the same date but they were all rejected by the Chase bank. I contacted Chase bank and I was told as of XX/XX/XXXX, all our accounts were all restricted and closing sooner due to excessive claims I made. I was told that I was no longer have any relationship with Chase bank. 
On or about XX/XX/XXXX, I had direct deposits ( SSA {$1700.00} ), again Chase bank will not allow me access my accounts including withdrawals at the branch office.
Product: Credit reporting, credit repair services, or other personal consumer reports

WF CRD SVC ACCOUNT IS A FRAUDULENT ACCOUNT ON MY CREDIT REPORT. THIS ACCOUNT WAS OPENED AND MAINTAINED WITHOUT MY CONSENT, THE CHARGES ARE FRAUDULENT, THE ACCOUNT IS FRAUDULENT. I HAVE SUBMITTED ALL REQUIRED DOCUMENTS TO PROOF THAT THE ACCOUNT IS NOT MINE. I AM VICTIM OF AN IDENTITY THEFT, SOMEONE STOLE MY INFORMATION AND OPENED THE FRAUDULENT ACCOUNT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed late payments with my mortgage company. 

They sent me a letter which does not constitute validation of the payment history. 

I was on a repayment plan which provided a different amount then my and different due dates. 

The credit report verifies payments received in XXXX reported by XXXX. 

In XXXX I submitted a application for forbearance and never received a response from the company other than the confirmation email. 

I have provided copies of my credit reports showing the discrepancies between the bureaus which is been verified/certified as accurate by information provider XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  made a Inquiry by checking your Equifax Credit Report XXXX 

Source : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX made a Bank / Credit Card Inquiry by checking your Experian Credit File XXXX When you apply for credit, a " hard inquiry '' may be placed on your Credit File and it stays on your report for 25 months. 

Source : Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX made a Bank / Credit Card Inquiry by checking your Experian Credit File . When you apply for credit, a " hard inquiry '' may be placed on your Credit File and it stays on your report for 25 months. 

Source : Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank / Credit Card Inquiry XXXX XXXX got a copy of your Experian Credit Report. 

XX/XX/2022 What happened? 

XXXX XXXX made a Bank XXXX Credit Card Inquiry by checking your Experian Credit File. When you apply for credit, a " hard inquiry '' may be placed on your Credit File and it stays on your report for 25 months. 

Source : Experian XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ) XXXX Bank / Credit Card Inquiry XXXX XXXX got a copy of your Experian Credit Report. 

XX/XX/2022 What happened? 

XXXX XXXX made a Bank / Credit Card Inquiry by checking your Experian Credit File. When you apply for credit, a " hard inquiry '' may be placed on your Credit File and it stays on your report for 25 months. 

Source : Experian 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

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  : Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX : Account Number:XXXXXXXX Account Name : XXXX XXXX : Account Number:XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX  Bankruptcy : Account Number:XXXX Account Name : XXXX XXXX  Bankruptcy : Account Number:XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 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: Money transfer, virtual currency, or money service

Venmo has kept my funds and refuses to release my funds. On XX/XX/19 they sent me an email indicating that my account is permanently deactivated with no explanation as to why and that they are withholding my funds of {$100.00}. I have contacted the company several times and am never given an explanation as to why my account is deactivated or why they are holding my funds.
Product: Payday loan, title loan, personal loan, or advance loan

i have gotten email saying i owe sofi loan department i told them they got the wrong person i never gotten a loan from them if i did i got denied because my credit is poor talking about the warrant is active
Product: Credit reporting, credit repair services, or other personal consumer reports

Paypal keeps reporting fraudulently ( by saying I still have an outstanding balance ). I opened a complaint last month about the same matter. Every time they have reported, it makes my credit score decrease by XXXX points. On XX/XX/XXXX  it decreased my score ; XX/XX/XXXX  my score decreased by XXXX points, I have provided the company bank statements to prove I made the account in full. I spoke with the President of the company ( XXXX XXXX ) Senior Specialist, Corporate Consumer Relations Synchrony Bank XXXX : IID XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Debt collection

This company is threatening to file a collection on my credit report for a credit card debt that is not mine.

I have never had a credit card with XXXX  in my life. I am a military veteran and have only ever banked with usaa. This company is comitting fraud and abusing it's authority by threatening my credit rating.

1. I live in Arizona and the state has a 6 year statue of limitations on debts.

2. I have never had a XXXX credit card or any credit product from them.

3. This debt is not mine. Never have I had a credit card from XXXX.
Product: Vehicle loan or lease

The company submitted a response that I am unable to contest to the submitted complaint below My dispute is with Westlake Financial Services at XXXX XXXX XXXX, XXXX XXXX CA XXXX. I had an auto loan with them and had purchased gap insurance. I was in a car accident and totaled this vehicle, and westlake financial made it near impossible to file a claim. When I managed to file a claim they denied my gap claim due to making late payments during the course of my loan. This provision was not in my gap policy upon purchasing. I have been unable to dispute this course of action for over a year. I can not call them without one of their agents, who speak english poorly, either hanging up on me or their automated system hanging up on me instead of transferring me to agents. I am tired of this being claimed as " Bad debt '' on my credit report. 

I am not satisfied with this response. This " gap waiver '' they are claiming was neither discussed or signed by me. As it was explained and required by law, I paid for the gap policy and they are required to follow through with payment of the rest of the loan. It is not on the condition I never have a late payment or extension over the loan. The company will either resolve my debt or I will take the next step legally for fraud.
Product: Mortgage

On XX/XX/XXXX I contacted the mortgage company, Pennymac, because they claimed I was in default on my mortgage. I have never missed a payment and pay on time. I explained that their analysis of our escrow account was wrong and we were being overcharged. The woman who answered the phone told me I didnt have a choice how much I paid every month. I told her that their analysis was wrong and what it should be. Furthermore, the money in our escrow account is technically ours! She continued to harp that I was not making a full payment and said we would be referred to collections. I told her that I paid my mortgage on time every month and asked her if I needed to get an attorney because they were not applying my payment. I do not appreciate being threatened with collections and ruining my good credit because of their incompetence. 

A survey came on that I responded to after that woman hung up. After answering that I was not happy, another lady came on the phone. It turns out this company added a TWO month cushion to my escrow account, creating an underage on our account that was then added to our monthly payment! This amounts to over {$1000.00}! {$1000.00} that I am not being paid interest on! The second representative corrected the escrow payment amount and was very nice. 

This is not the first time this company has threatened me with collections because they cant calculate an escrow payment correctly and I am tired of being bullied! I firmly believe this company needs to be investigated for unfair business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Equifax refuses to block fraudulent accounts from my credit file. Ive sent multiple request via us mail. This is my 3rd CFPB complaint. They keep asking for more time. Ive been a victim of identity theft and need these items blocked per fcra. Ive sent in ftc report. im told it isnt clear. Well i can read it clearly. I have NEVER DONE BUSINESS WITH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  OR Equifax or any of the following companies listed cant produce a signed agreement with my real legal signature!! 
PURSUANT TO SECTION 605B OF THE FCRA REPORTING ACT and send the required notifications to ALL FURNISHERS OF THIS INFORMATION!!!
Product: Credit reporting or other personal consumer reports

unauthorized fraudulent inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Using XXXX ( XXXX ), I sent funds to a friend in XXXX on XXXX, XXXX, and XXXX using my Chase Visa card. Normally, I transfer funds to XXXX from my XXXX bank account, but there were technical issues accessing XXXX, according to XXXX. Afterwards, I discovered that Chase charged a {$10.00} cash advance fee for each transfer. I have not used a credit card like this before, but there was no disclosure on the XXXX website of a fee, so I assumed the transaction was the same as renting a hotel room or condo via XXXX or XXXX. XXXX and XXXX act as third party intermediaries for funds transfers and there are no cash advance fees. I contacted both XXXX ( XXXX and XXXX ) and Chase ( XXXX and XXXX ). Neither had a clear explanation or owned the lack of disclosure, but Chase indicated they would credit my account for the fees. I want a clear explanation of how these transactions should be treated, credit card charge vs. cash advance, why there is no upfront disclosure about fees, and whether Chase decided on their own to modify the transaction in order to collect fees.