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

This has become a rather urgent matter. The responses from Go Financial have been most unacceptable and attempts to simply blow me off or to minimize this serious personal credit impacting issue. I notified them many, many, many times that the vehicle that I purchased was a lemmon. It was not only unsafe to operate, but I was completely ripped off on the predatory interest rate. I was PROMISED that they were " working on it ''. Rather, while I was led to believe that they were working to find solutions to re-capitalize the loan, adjust the rate to a fair and reasonable rate. They picked up the vehicle while I had several thousands of dollars on hand upon their FAIR, WRITTEN RESOLUTION that I NEVER got. Next, when I filed a formal complaint, they confirmed that the vehicle was worth approximately {$2500.00} while they are attempting to bill me for over {$11000.00} and later send me a  XXXX  for this high amount. I submit to you that Go Financial has made my case. The vehicle was not properly estimated at valuation, I have been swindled, dishonestly treated as a customer.
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 violates the customer financial protection act ( cdpb ). specifically, cash app failed to timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. furthermore, their dispute resolution requirements under the electric fraud transfer act ( EFTA ) and regulation E. these actions have caused significant inconvenience and financial loss and i seek appropriate redress for these violations.
Product: Mortgage

I was not offered the XXXX XXXX COVID-19 Payment relief option a the end of my COVID-19 Forbearance
Product: Credit card or prepaid card

Capital one Keeps on closing any account that I open with them usually within the first few month regardless if its a personal or a business account and regardless if its a credit card or a checking account and they dont give any reason other than that they are exercising their rights After many attempts I finally got some formal response where someone said that capital one detected that I used my personal credit card for non personal use Which is False I used it to pay Hospital bills while my father was in the hospital and I never used it for business
Product: Credit card

I made on line reservation on XXXX XXXX, 2015 on XXXX ( XXXX ) to stay at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX for a stay from XXXX XXXX to XXXX XXXX, 2015. 

Upon arrival at the XXXX XXXX at noon on XXXX XXXX, I found the hotel under extensive renovations which was noted on the hotels web site. When I walked into the lobby there were painters painting and I informed XXXX . XXXX the day manager I could not stay here because how paint fumes effect my breathing. He told me that they would charge my card anyway. 
I went and stayed at another hotel in the area.
Product: Credit card

Bank of America 's automatic payment options are deceptive and, it seems, drafted with the only purpose of causing people to incur finance charges that they would not otherwise incur. The options listed are as follows : ( 1 ) Always pay Minimum amount due as indicated on e-Bill ( 2 ) Always pay Amount due as shown on e-Bill ( 3 ) Always pay Statement balance as shown on e-Bill I selected # 2, which ended up being interpreted by BOA as paying the minimum amount ( i.e., the exact same as option # 1 ). As a result, I was charged finance charges for four months even though I had intended to pay the full amount due. I called Bank of America and was able to get the finance charges rescinded, but I have a significant concern that Bank of America is engaged in a fraudulent business practice. The first two options mean the exact same thing ( and the company representatives I spoke to could provide no explanation for why there were two options that mean the same thing ) and can only be drafted in the way they are drafted to deceive people into paying the minimum amount rather than the full amount and incur finance charges. I received no assurances that BOA would change the drafting nor any explanation for the deceptiveness.
Product: Money transfer, virtual currency, or money service

I have never applied for Apple Card/GS Bank. noticed a debit on my XXXX XXXX account in XXXX. Reported to XXXX  and they closed the account and credited me the {$400.00} debit. Have no account info or dates of charges on the AppleCard as It's not mine. Applying for a mortgage my XXXX  shows a delinquent 90 day late.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following collections accounts are fraudulent and not my accounts : XXXX XXXX XXXX., $ XXXX,XX/XX/XXXX and  XXXX XXXX, {$290.00}, XX/XX/2016. I been receiving numerous phone calls of harassment, threatening, abusive, unfair and deceptive language. The above creditors are in total violation of the Fair Debt Collection Practices Act ( FDCPA ) under federal law.
Product: Checking or savings account

On Tuesday, XX/XX/2022 at XXXX, I received an email from Wells Fargo claiming they had received my application for a Wells Fargo Everyday Checking account and that the application had been approved. 
I do not do business with Wells Fargo. I had not requested a checking account with Wells Fargo. 
Immediately following this, I received another email from Wells Fargo at XXXX, giving me an access code to track my application. 
I do not do business with Wells Fargo and had not requested a checking account. 
Immediately following this email, I received another email at XXXX from Wells Fargo indicating that the application submitted for a new Wells Fargo account had been approved. 
I do not do business with Wells Fargo and had not requested an account with them. 
At XXXX, I received another email from Wells Fargo re. : accessing my new account disclosures electronically. 
I do not do business with Wells Fargo and had not requested an account with Wells Fargo. 
Immediately following this email, at XXXX, I received another email from Wells Fargo asking me to complete my Wells Fargo Online enrollment. 
I do not do business with Wells Fargo and had not requested an account with this company. 
On XX/XX/2022 at XXXX, I received my final communication from Wells Fargo informing me that my contact information had been updated. Included in the email was a partially obscured email address and a partially obscured phone number neither of which were my current or former email addresses or phone numbers. 
it was evident that an online checking account had been opened with my name and my social security number fraudulently. 
I
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting another CFPB Complaint to request your assistance in correcting erroneous information on my credit file. There are accounts that belong to me but are reporting inaccurate status, which is misleading and adversely affecting my creditworthiness. I have reviewed my credit report and identified the specific accounts that require correction. Despite my attempts to resolve the matter with the credit bureaus and the creditors, the inaccurate information remains on my credit file. I am demanding you to please correct the following accounts as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$33000.00}. Under the Fiar Credit Rporting Act, I am entitiled to request an investigation and ask you to correct the erroneous information being reportedon my Credit File.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than XXXX business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XX/XX/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 XXXXXX/XX/XXXX
Product: Credit card

I am writing to address a concerning issue regarding my JPMCB card. It appears that my credit was accessed without my consent, resulting in a decrease in my credit score due to this inquiry. I kindly request that this unauthorized inquiry be removed as soon as possible to mitigate its impact on my credit. Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have two credit cards with XXXX XXXX, I'm monitoring my credit reports and noticed that XXXX XXXX is failing to report one of my credit cards to equifax. XXXX  XXXX is reporting both cards to XXXX and XXXX, but my equifax report is suffering due to the lack of credit history associated with that other credit card. I tried resolving this with them directly to no avail.
Product: Credit card

I opened a Citi Diamond Preferred card on XX/XX/XXXX. I never received the card. After trying to get through to speak with someone on their service number which consistently disconnected my call, I decide to close the account. I spoke with Citibank on XX/XX/XXXX to close the account. I received confirmation on XX/XX/XXXX via email and subsequently a letter that account was closed with a XXXX balance. 
On XX/XX/XXXX, I received an email stating there was a balance with a minimum payment due. I immediately called to question this as I had confirmation of my closure with a XXXX balance. They stated the transaction was pending when I requested closure. Yet they allowed the fraudulent transaction to go through even when I stated I never received the card. The representative told me it was taken care of and I would not have any issues. 
I subsequently received emails saying the fraud dispute was being reviewed and that a new card is being sent. This is despite the fact I stated on XXXX I wanted the account closed. I then received an email on XX/XX/XXXX saying my minimum payment was being reduced due to the fraud dispute. The minimum payment referenced was exactly the same as the minimum payment referenced in the email of XX/XX/XXXX when I first became aware Citibank negligently allowed a fraudulent charge on a closed account and a card I never received. I called again today on XX/XX/XXXX and was again told it is taken care of and to disregard their emails. I asked for this in writing and was told they can not do that. The representative attempted to pawn me off on their security department. 
I am requesting written confirmation from Citibank that the fraudulent charge on the account I closed is not my responsibility and any emails they send referencing a balance and/or minimum payment due is erroneous, and that Citibank is fully responsible for any balance they reflect on the card. It is incredulous that they state they send erroneous emails but can not send me information that has been relayed to me verbally in writing as confirmation of their representatives statements.
Product: Checking or savings account

I have spoke to Cashapp and put in a dispute for a XXXX charge XXXX {$460.00} where someone used my card and committed fraud! I have a police report, lawyer, and documentation as well!! Cashapp provided my money back and then reversed it. However, you can see the person attempted to charge XXXX XXXX XXXX XXXX. With all of those my money was given back because obviously it was fraud. I do not know who the heck did this and cashapp has made it hard for me to get my money back. I want my money back and I am reporting cashapp to anyone who will listen. I do not play about that much money
Product: Debt collection

I never received any notice or call from the company Portfolio RC. I had a credit card with XXXX XXXX years ago. When i was going through XXXX  XXXX XXXX XXXX and a divorce at the same time my ex husband used my credit cards. I have tried to contact the creditor as well as the credit bureaus but there has been no resolve. I also put a fraud alert on my credit reports. 
There is no telephone number or company information listed for Portfolio RC.
Product: Credit reporting or other personal consumer reports

I recently disputed with Transunion on the following acct becauseof multiple inaccuracies. XXXXXXXX XXXX XXXX XXXX This XXXX XXXX XXXX XXXX was investigated on XXXX separate occasions and Transunion failed to take action despite their feedback, letters, and responses ***even on here XXXX consumerfinance.gov***. They responded it was updated but no updates OR corrections were executed. They in willful noncompliance with federal law of the FCRA.

15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

ERRORS XXXX XXXX XXXX XXXXXXXX : XXXX Account was charged off - the balance remains open {$640.00} XXXX Payment status REPEATEDLY reported as C/O month over month - this is reporting ACTIVE PAYMENT HISTORY on a CLOSED ACCOUNT which is inaccurate and illegal and extends the statue of limitations 3- Past due amount listed as {$640.00} - it was charged off therefore NO PAST DUE 4- Charge off on consumer report is INCOME - income is not reported on any consumer credit report 5- Payment history XX/XX/year> and XX/XX/year> BOTH STATE 120 days late - this is WRONG I NOW DEMAND THIS ACCOUNT XXXX XXXX XXXX XXXXXXXX BE DELETED FROM MY CREDIT REPORT IMMEDIATELY PURSUANT TO US CONGRESS FCRA : 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am tired of sending dispute letters to Equifax requesting that they correct this erroneous account being reported on my Credit File because they have been doing nothing! This complaint is to follow up on my previous complaint and letters I submitted on XX/XX/2023, and to inform them that I am halfway of taking legal action and sue the Credit Bureau for their willful non-compliance of the FCRA statute. Only if they chose to update and correct the account on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The account that should be corrected is : XXXXXXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX XXXXThe following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXXThe following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXX XXXXXXXXThe following inquiry was not authorized and should not be reporting. 
XXXX XXXXXXXX XXXX XXXXThe following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXXThe following inquiry was not authorized and should not be reporting. 
XXXX XXXXXXXX XXXXThe following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXX XXXXThe following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXXThe following inquiry was not authorized and should not be reporting. 
XXXX XXXXXXXX XXXXThe following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXXThe following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXXThe following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXX XXXXXX/XX/year> The following inquiry was not authorized and should not be reporting.
Product: Credit reporting or other personal consumer reports

I do not give consent for them to report and never did. As per CFRA this account should be removed. This is a solar lease panel lease agreement that was never reported prior until XX/XX/XXXX. 

The account is reporting incorrect multiple late payments and an incorrect balance. They currently owe me a credit they are refusing to put on my account and sent me another credit they owed for a year instead of rectifying my account all proof is attached. 

To Further prove why this account is incorrect and inconsistent Please see attached monthly statements clearly stating to NOT make payment and Not one stating that there was an issue or to make a payment. 

If I am given this in writing stating do not make a payment, I would believe the company would rectify their error and correct my status as I was following their instructions. 

Sunnova has owed a credit since XX/XX/XXXX and actually Paid me the credit XX/XX/XXXX. 
Instead of rectifying billing, they have maliciously continued reported my balance as outstanding. See attached. 

They currently owe a credit from XXXX and I have asked for the processing to be expedited but they still refuse to rectify my account and on my credit report. So I can pay the correct amount if any. I was told to update the credit routing to the account and they would fix the account but they haven't. 

They removed it from credit report XX/XX/XXXX and then put it back on a last week. 

They have continually been in breach of contract by not performing at their guaranteed production since the panels were installed. I highlight in our contract GUARANTEED I have requested this lease to be terminated due to lack of performance and unfair inconsistent billing practices with no success. 


This is harmful to my well being financially. 

In addition, the current balance of this account is reporting at $ XXXX is incorrect that was the original balance and the current balance is $ XXXX. The lease has been in place since XXXX the balance cant be the same as the initial amount. Please see all proof provided. 

Based on all information given, this company is illegally reporting incorrect information and giving conflicting directions. Due to all the discrepancies, I ask that this account be deleted immediately or reports in good standing with all late payments removed for fair credit reporting standards. 

To reiterate None of the billing statements have stated to pay and they currently still owe me a credit but are refusing and no where in my lease does it state they can withhold the credit due for non performance.
Product: Credit reporting, credit repair services, or other personal consumer reports

espite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the credit bureaus ; but I never received a response from them. These items must be investigated and deleted 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 XXXXXXXX
Product: Credit reporting

Experian continue to maintain inaccurate account information for XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. I have provided sufficient information to prove to them that the account status information for both accounts are grossly inaccurate as well as not showing the accounts being discharged in bankruptcy.
Product: Mortgage

I was looking at refinancing my existing loan with the same company. This started at the beginning of XX/XX/XXXX. When it got to the closing disclosures to sign myself and my spouse looked over the documents prior to signing and the numbers looked off and we tried to ask them but they did not explain it well and went in circles making it more confusing. Because of that we chose to take the closing disclosure to two other people who process mortgage loans and they both explained it easily to us and that the numbers did not match the interest rate they were providing. After that we chose not to go through the refinance with the existing company. I politely told the loan officer that we were no longer interested and they sent another email to get us to sign the documents. I again responded that we were not interested in refinancing. They responded that they didn't understand why and tried to explain their numbers again which I replied we were no longer interested and to cease communication regarding it and that any further communication regarding the refinancewould be considered harassment. We then got a call from them to schedule time to go over and sign the closing disclosure to which I responded that it was already stated we were no longer interested and it was now harassment. We got another call from the same person to go over the closing disclosure and I responded again that it was harassment and that we had already requested the loan be declined. On Tuesday XX/XX/XXXX we received a copy of the closing disclosure to sign and return that was dated XX/XX/XXXX after we had told them to decline the loan.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX  account is listed twice on credit report under two different accounts ( XXXX XXXX XXXX XXXX XXXX XXXX ). Payment was made and was communicated to consumer ( myself ) from collector that it would be deleted from credit reports, but has not been deleted at of XXXX
Product: Debt collection

In XX/XX/2023 I asked Leaders Financial Company to pick up my car to be sold at auction. I received a certified letter letting me know of the auction date and that if the car was sold for under what I was owed, then I would be notified of the remaining balance. I never received any letter from Leaders after the auction date or any phone call about a balance. Then in XX/XX/2023 I received a collection notice from XXXXXXXX XXXX XXXX XXXXXXXX. I never received written proof of what my car sold at auction or what the tow fees were. I dont understand how I was sent to collections by Leaders when they never attempted to see if I would pay the balance. I was just sent to collections which is upsetting since I would have worked to make payments to what I owe also where is the proof of what my car sold for? They also claim to send a letter which I never received about any debt if the notice of the auction date was sent certified why not the final bill?