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

I am writing to file a complaint regarding an inaccurate account on my credit report that was still reported despite my previous request and kindly request your assistance in getting it corrected. The inaccurate information is negatively affecting my creditworthiness and financial well-being, and I have been unsuccessful in resolving the matter with the credit reporting agency directly. I have never been late in paying and with this, I have attached my supporting documents for your reference, including correspondence with the credit reporting agency. This account should be corrected : XXXX XXXX  XXXX Balance Owed : {$1100.00}.
Product: Vehicle loan or lease

I leased a vehicle from XXXX and due to Servicemembers Civil Relief Act I requested a early lease termination. The request was subsequently approved on XX/XX/XXXX by VW Credit. 

After receiving notification of the approval, I closely followed the instructions for surrendering the vehicle. The turn in procedures went successfully and there were no problems however I contacted them several times about the Capitalized Cost Reduction reimbursement and on several occasions they denied my request stating that there are would be no refunds as no security deposit. During the purchase I placed a cash downpayment of {$3300.00} on XX/XX/XXXX as evidenced in the closed end motor vehicle lease paperwork. 

Based on my research and past federal district court rulings has ruled that the cash capitalized cost reduction ( CCR ) payment allegedly made by a military servicemember upon signing his auto lease was refundable under the Servicemembers Civil Relief Act ( SCRA ). 

The SCRA allows a lessee called to active military duty to terminate an auto lease without incurring an early termination charge and requires the lessor to refund any lease amounts paid in advance for a period after the effective date of the termination of the lease. VW Credit has not and will not refund my CCR payment and the failure to refund a prorated portion of this cash CCR payment is a violation of the SCRA. 

I believe that the cash CCR payment was a lease amount that he paid in advance, for the full period of the lease, that had the net effect of [ a ] prorata reduction or prepayment of a portion of each future month [ s ] payment. 

I appreciate any assistance you can provide on this matter.
Product: Credit card or prepaid card

American Express has the most XXXX supervisors who seems.like just passed out from grade XXXX in school,, they can't follow up anything and blatantly lie on the phone. And their talented executive office just provides a one liner to the customer " we are sorry for what happened ''. 

On XXXX morning, I spoke with a supervisor named XXXX who couldn't follow up with my inquiry, he had no clue what to answer how to answer, and he is a supervisor. What is he exactly supervising? His own XXXX? I asked for his manager and he scheduled the call for the same day after XXXX LA time. 

I call again on XXXX and operator says the executive office will call me on XXXX during business hours. I am not going to cancel all my work just to speak to a manager from Amex. Amex can not keep up to their phone appointments with customers, that's quite obvious by now and top of that provide fake misleading phone appointments like XXXX. 

On XXXX I again spoke with a thick accented supervisor who could not follow the transcation list one by one when I was going with him all the transactions. I have more important things to do in life and can't spend hours and hours on the phone with XXXX XXXX supervisors from Amex. 

There is an issue with my recent transaction list and I can't seem to talk to anybody about it in Amex because your supervisors are all XXXX who can't follow up nothing. 

Your job does not finish by using the word sorry.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XX/XX/XXXXXXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian closed this with non-monetary relief, PUT MY PAYMENT HISTORY BACK
Product: Debt collection

There was a credit card open in my name back on XX/XX/XXXX. This was opened fraudulently in my name and identity. and it seemed that whoever opened the credit card was making payments until XX/XX/XXXX. I had reported to the credit card company this was open fraudulently and figured since it was charged off on XX/XX/XXXX this matter was closed. Then I received some calls from some collection companies which seemed to change all the time, but I reported to them all when I got those calls, this was opened fraudulently and was repeatedly ignored and told it was still my problem to pay. Then about a year ago I noticed on my credit report Midland Credit Management that it was for the credit card, I disputed several times on my credit report on this and explained it was a fraud, with each report denied. I recently received papers I was being sued by Midland Credit Management who purchased this debt. on XX/XX/XXXX I went to the court house and filed an answer explaining once again this was a fraud. When I then called them because I needed to send them a copy of my answer and needed the fax number, I spoke with a gentleman and explained everything. He explained that I should go to this website and file a fraud report so that they can get a copy of this report and work on getting this cleared up and hopefully out of my name and off my credit report. So this is why I am sending this now to report this as fraud. I wasn't aware of ever advised by anyone I spoke with until today to report this as fraud and the process and where to go to do this.
Product: Credit reporting or other personal consumer reports

I have requested XXXX XXXX XXXX XXXX  to remove their furnishing report that is still on my credit reports ( excluding XXXX ). They have continuously failed to report to the remaining XXXX major credit bureaus to remove the incorrect information that was in result of identity theft, regardless of the providence of an FTC report, legal identifying documents, and even after a police report was filed and a copy of the card ( which includes the officers signature, badge number, date, and case number ). 

I have previously filed a complaint and the response was unsatisfactory as they requested information to process my request, but gave me no sources to submit such information. Therefore, I am submitting my request again, alongside the request documentation.
Product: Money transfer, virtual currency, or money service

Ingo Money placed a block on my account due to a check returned as cashed. The transaction, a check deposit in the amount of {$1000.00} on XX/XX/XXXX I believe, caused a block placed because I chose to cash check at a XXXX  XXXX XXXX due to a sudden emergency ... .I explained this to rep on with Ingo on XXXX.. I took check to a XXXX  XXXX XXXX, the bank it is issued from, cashed it on XX/XX/XXXX. Rep stated the account is in collections when the funds were not credited to account I used for mobile deposit on XX/XX/XXXX, which I also explained..I do not owe on this amount ... The rep tried to infer I had cashed check twice which does not make sense and is not what occurred. I left a message for a supervisor, did not get a call back
Product: Debt collection

I currently do not have any outstanding accounts. The debt collector 's name is First National Collection Bureau , Inc . The only information provided about the creditor is : XXXX XXXX XXXX and the original creditor is XXXX ( XXXX ), XXXX XXXX. I have never had any creditor named like neither XXXX. When I called they said I should call XXXX XXXX or XXXX because it is an old account. I do not have any outstanding accounts with them either.
Product: Credit reporting or other personal consumer reports

I hope this notice finds you well. After careful review of my consumer report again, I still noticed that you continue to furnish false, misleading and inaccurate information on my consumer report that should not be there pursuant 15 USC 1681i and 15 USC 1681e ( b ) Accuracy of Report ; You have furnished inaccurate information which is illegal! You have violated XXXX Compliance procedures and format for reporting! And youre reporting transactions and experiences that are to be excluded from the consumer report pursuant 15 USC 1681a ( d ) 2 ( A ) I and charge offs are considered income according to the IRS and excluded from the consumer report. You continue to violate my federally protected consumer rights so Im exercising my right to OPT-OUT of reporting these accounts on my credit file pursuant 16 CFR 313, The Gramm-Leach-Bliley Act and The Privacy Act of 1974. Im opting out pursuant 15 USC 6802, 15 USC 6803 and 15 USC 6804 ; any authorization given, written or verbal is now RESCINDED! It is effective immediately! I demand these attached accounts be deleted from my consumer credit file. And according to the documentation provided by the Secretary of State Uniform Commercial Code Certification, there is no record of any lien ( s ) from any company against me. I have supporting documentation from the Secretary of State to validate my claim. I also have proof of public legal notice, that all the liabilities been transferred to the Revocable Living Trust `` Baker Legacy Preservation Trust ''. Therefore, the inaccurate and erroneous accounts must be DELETED from my credit file. I am exercising my OPT-OUT RIGHTS and if you continue to violate my consumer rights, I will accelerate legal actions pursuant 15 US Code 1681n - Civil liability for willful noncompliance -Please See Attached
Product: Credit reporting or other personal consumer reports

I am sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions. 

XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX, I met with XXXX XXXX XXXX, to inquire about purchasing a XXXX XXXX XXXX. I had the vehicle inspected by XXXX XXXX XXXX XXXX. XXXX XXXX XXXX  cleared the vehicle, indicating the engine was okay. On my home, a short time after purchase, the vehicle started to hesitate and lost power. Immediately, I contacted XXXX XXXX broker to return the vehicle and request a refund. The transaction took place from my debit card using XXXX XXXX. XXXX ignored my calls and rejected my refund request. I contacted my Navy Federal Credit Union to initiate a refund or stop the transaction since it was a fraudulent transaction. I received a provisional credit of {$2400.00}, pending further investigation. 

On XX/XX/XXXX, Navy Federal Credit Union reversed the provisional credit, since the transaction took place through an intermediary app. That resulted in my bank account being overdrawn by - {$1300.00} and potentially ruining my credit. I was told by the supervisor, the transaction happened peer-to-peer and the funds were lost. I inquired about being protected by the FDIC and was told XXXX XXXX  does not follow federal regulations, and I would have to retract my money directly through XXXX XXXX. I have since incurred late charges to my loan payment due to my account being overdrawn.
Product: Debt collection

Service Finance Company , LLC has attempted to contact you regarding your account related to the HVAC project completed by XXXX XXXX XXXX-XXXX XXXX Service finance is a loan company for XXXX XXXX XXXX  XXXX XXXX When I owned a property I bought an air conditioner and a furnace from them. The house was foreclosed upon by the bank. XXXX XXXX XXXX XXXX has lien rights on the property and should have been paid when the underwriting took place for the new owner. I do not live there and it is not my debt when the bank foreclosed and resold the property. I have tried repeatedly o explain the law and the process of liens to their collections team. I have even offered to help but they insist it s my debt. I have asked for a call from management and have not received one.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXXXXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint does n't really fit your categories. My credit score is high but in my opinion it should be the very top number. My concern is how the credit agencies decide on my credit score. I have never been in too much debt, have always paid any and all bills on time and I am rarely in debt for anything. Because I do not have a credit balance on which I must make payments ( which I certainly have in the past ), points are deducted. Because I have applied to various things ( in the most recent years ) for preapproval for a home loan and my credit is checked, points are deducted. I do not understand why I am penalized on my score because 1 ) I have no debt and 2 ) someone or some entity has checked my credit score. Why am I not at the highest possible rating? I 'm penalized if I have debt and penalized if I do n't have debt. Something is wrong with this system.
Product: Credit reporting or other personal consumer reports

I just reviewed my consumer report and found that there are still unauthorized inquiries. I already communicate to TransUnion requesting for reinvestigation unfortunately the issue remains unresolved to this day. 


XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove this inaccurate information from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Please remove this inaccurate information from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove this inaccurate information from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Please remove this inaccurate information from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Please remove this inaccurate information from my credit report.
Product: Credit card

on XXXX a charge was made to my visa card by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - this was a fraudulent charge and not from my XXXX account XXXX XXXX claims that when they submitted the charge they provided FNBO Visa with the details of the transaction ( such as the XXXX account and email ) - FNBO claims to not have those details and authorized the charge anyway - FNBO will not provide the information for XXXX to pursue the fraud and without that information, XXXX can not remove the charge from the account - FNBO will not dispute the charge and will not work with XXXX to resolve the issue. FNBO has forced me to close the account and open a new account before they will investigate the fraudulent transaction, which in turn disrupts my ability to autopay several associated accounts ( such as car insurance, auto insurance, internet services, streaming services, food delivery services, cable TV services )
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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX, XXXX : XXXX XXXX, US Dept ed : XXXX XXXX, XXXX : # XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Checking or savings account

At the time I was charged NSF fees, and this happened many times, I had deposited money in the account and although the deposit went through the same day as the check, they counted the check first instead of the deposit and charged me {$35.00} each time. 
When the lawsuit came about for Wells Fargo, I assumed I would be awarded some type of refund. I knew it wouldn't be as much as I was charged, but something. I got nothing from them at all.
Product: Money transfer, virtual currency, or money service

Cash App refuses to change my legal name to XXXX after marriage. They did update my address on XX/XX/XXXX that they received from my submission and refuse to update, email, etc. Im told theyre still working on it and wont discuss anything with me. Theyre lying to me when they say I didnt reply to their authentication link, I submitted everything through their link, and they refuse to update anything.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX # XXXX XXXXXXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # 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 of the person knows or has reasonable cause to believe that the information is inaccurate.