23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have tried several times to get auto insurance, and I am being denied because LexisNexis has information that is not correct. They state in XX/XX/year>, I was involved in some sort of claim for an XXXX that my wife drives. They state they I was driving this car. I have tried a couple times to get this corrected, but they refuse. In XXXX of XXXX, I was in XXXX, XXXXXXXX  driving my XXXX XXXX. My wife was in XXXX, XXXX. driving her XXXX. The car was not mine. I did not drive that car. I could not have filed a claim because I had nothing to do with that car. 

Because they refuse to fix this, I am being denied insurance e or having to pay a lot for premiums. 

I wish they would explain how I could be driving this infinity when it is not mine and it was not even in XXXX  at this date in question. 

I want this taken off of my consumer report immediately due to deliberate acts of refusing to which has caused me unnecessary expenses.
Product: Credit reporting or other personal consumer reports

iam writing to formaly dispute the accurancy of certain negative items listed and my credit report thats not mine and i have dobble accounts that have the same amounts 2 or 3 times with the same name i requested that you conduct a thorough investigation into this accounts
Product: Debt collection

got a phone call by a " debt collector '' claiming i owed {$370.00} from an unpaid loan that I never made. i requested proof of the debt and was sent the attached handwritten form.
Product: Credit card

XX/XX/XXXX- Applied for Discover Secured Credit Card. Received an email confirming that the card would arrive at approximately XX/XX/XXXX. 

XX/XX/XXXXXXXX  - Received an email confirming that the {$500.00} deposit for the card was deposited, application process continued. 

XX/XX/XXXX - Received an email confirming that the application was approved and the card will be shipped within 7 business days. 

XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX - Received credit card in mail, to designated mailing address. Attempts to activate the card via the online portal prompted to call the support line. Called multiple times between XX/XX/XXXX and XX/XX/XXXX to activate card, was told that I was not the legitimate account holder, was not offered a way to verify my identity, and refused to activate card or refund the deposit. 

XX/XX/XXXX- Discover 's fraud department considered the case closed and blocked my number from reaching out for activation or support. 

XX/XX/XXXX - Disputed the unrefunded charge of {$500.00} with the bank used for the deposit. Dispute was denied. {$500.00} was never refunded. 

XX/XX/XXXX - Sent an email to Discover, stating the above and offered them any option for resolution. No reply.
Product: Credit reporting or other personal consumer reports

" Your agency is in violation! 
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. 
Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED ; 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX my auto loan provider titled XXXX XXXX XXXX charged me twice for my car payment they were not supposed to cash the check sent because I sent them an automated payment on XX/XX/XXXX. I spoke with a representative from the claims department on XX/XX/XXXX to try and stop the check from going through however it was too late and they instructed me to contact my auto loan provider to seek out a reimbursement. Through much tribulation I received a reimbursement thanks to your company. I called back twice on XX/XX/XXXX at XXXX and also at XXXX to talk about the overdraft fees and they told me once the reimbursement came then they would wave the fees due to the double payment. I then received the check from XXXX XXXX XXXX and deposited it. I called Chase bank to once again talk about the over draft fees at XXXX. The representative reassured me that once the check had cleared they would take care of the overdraft fees automatically and it would take 24 to 48 hours for the credit to post. I then checked my account today and still no credit was given so I again called to see what was going on at XXXX I spoke with a claims representative and this time she said they could not take care of the fees. I asked her why I had been informed 3 times before they would be taken care of and now they are unable to process the refund. I am a single mother going to school and can not afford to pay for these companies mistakes. I would have asked the company to reimburse the fees if I knew my bank would not have. I would like to know why 3 times I was reassured they would be taken care of and now they are not.
Product: Mortgage

Hello, I am a former customer of Wells Fargo Bank Mortgages and I received an email on XX/XX/2022 from CFPB regarding the class action lawsuit with Wells Fargo Bank Mortgages regarding those who were wrongfully foreclosed or illegally denied modifications. It advised that if I am eligible I do not have to take any action and the company will notify me, well they have not. I experienced these issues with them which forced me to retain legal counsel. I would like to have been a claimant in the lawsuit and receive any compensation that I am entitled. Perhaps I was overlooked. Which is unfair. How would I proceed to file a claim? please email me, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i am the victim of identity theft and i share the same name as my father so his debts are appearing on my credit report
Product: Credit reporting or other personal consumer reports

This is my third attempt to have my documents uploaded to TransUnion showing I'm a victim of Trafficking
Product: Credit reporting or other personal consumer reports

Fraudulent Accounts : The following accounts were opened fraudulently and should be removed from the credit report : XXXX XXXX XXXX - Account ending in XXXX XXXX - Account ending in XXXX XXXX  - Account ending in XXXX XXXX  XXXX - Account ending in XXXX XXXX  XXXX - Account ending in XXXXXXXX XXXXXXXX XXXX Account ending in XXXX XXXX XXXX Account ending in XXXX XXXX - Account ending in XXXX XXXX - Account ending in XXXX XXXX XXXX XXXX Account ending in XXXXXXXX XXXX XXXXXXXX XXXX - Account ending in XXXX XXXX XXXX  XXXX - Account ending in XXXX XXXX XXXX - Account ending in XXXX XXXX XXXX - Account ending in XXXXXXXX XXXX  - Account ending in XXXX XXXX XXXX XXXX - Account ending in XXXX XXXX XXXX XXXX - Account ending in XXXX XXXX XXXX XXXX - Account ending in XXXX XXXX XXXX XXXX - Account ending in XXXX XXXX XXXX - Account ending in XXXX XXXX XXXX XXXX - Account ending in XXXX XXXX XXXX - Account ending in XXXXXXXX XXXX XXXX XXXX - Account ending in XXXX XXXX XXXX  - Account ending in XXXX XXXX  - Account ending in XXXX XXXX XXXX - Account ending in XXXX Fraudulent Inquiries : Unauthorized credit inquiries that should be removed : XXXX 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 - XX/XX/XXXX These accounts and inquiries were not authorized by the individual and should be investigated and removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX  I checked my credit report on  XX/XX/XXXX  and I had a total of   XXXX   collection accounts &   XXXX   hard inquiries removed from my report. I checked my account again on  XX/XX/XXXX  and I saw that all  XXXX  collection accounts &   XXXX    hard inquiries were placed back onto my credit without sending me a reinsertion letter as required by FCRA section 611. I have called Transunion several times since the incident to try to get this issue resolved but I have not received any help. Reps wo n't assist me nor will they transfer me to the fraud department telling me that they know what happened but they ca n't help me so basically it 's too bad & that I should file a complaint because they wo n't fix the issue. I have faxed proof that I was affected including screenshots of the removals/re-entries to Transunion but they continually say theyve not received anything from me. Since then I have successfully had the original creditors remove some of them from  my credit file after theyve confirmed and validated the accounts as false. Also since then, Transunion has added a recording that can be heard when calling their toll free numbers  (  XXXX  )  XXXX   &   (  XXXX  )  XXXX   explaining and admitting to technical issues taking place on the dates between XX/XX/XXXX  XX/XX/XXXX  &  XX/XX/XXXX   XX/XX/XXXX  that affect account and inquiries being removed and added back on.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom it may concern : I have been with the company since XXXX XXXX  i have had 3 accounts with you guys all in good standing during that time, I have enjoyed our experience with XXXX XXXX XXXX, greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have one late payment on the above reference account before covid-19 i was an exceptional customer, hopefully the Carest Act, also i have experience a death in my immediate family I would like to reconsider removing the negative payment history from my credit report .At the time of the late payment my hours were cut short so I went from working XXXX unexpectedly. This is not to justify why the payments were late, but rather show that the late payments are not a good indicator of my actual credit worthiness. I hope the XXXX XXXX XXXX is willing to work with us on erasing these marks from my credit report. 

I have been a very happy customer in the past. I hope to continue a long relationship with XXXX XXXX XXXX with today 's industry being so competitive. I know how important it is to keep a good relationship.I highly recommend it to all my friends. I look forward to your reply. 
Thank you in advance. 

In accordance with the fair credit reporting act XXXX  account XXXX  XXXX, has violated my rights 15 usc 1681 section 602 states i have the right to privacy.

15 usc 1681 section 604 A section2 : It also stated that consumer reporting agency can not furnish account without my writing instructions 15 usc 166b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Student loan

I have contacted this loan company American education services several times about lowering my monthly payment and interest rate. this company states there are only 3 repayment options able to use in the life of the loan and that I have use all of them. I think it is unfair to have only 3 lowering payment options in the life of a loan of this size. I have already exceeded paying the amount the loan was initially taken out for which was {$33000.00} on XX/XX/2007. As of today, the amount paid on my loan is XXXX. Total interest satisfied has been XXXX. Total principal satisfied {$9700.00}. This company is saying that I still owe {$38000.00}. I am a XXXX XXXX and have worked through covid to pay this loan with no relief or help from this company in lowering my new monthly payment of {$640.00} and new interest rate of 12 %.
Product: Credit reporting, credit repair services, or other personal consumer reports

i looked at my credit and my address is not reporting correctly it shows a different address other than my current address. i have sent my current ID and current bank statement to prove my identity.
Product: Mortgage

LoanCare deleted the escrow account by my request on XX/XX/2021. However, LoanCare did not refund the balance of that account. Additionally, LoanCare didn't recompute the new monthly payment without the escrow contribution, so my monthly statement still shows the old payment amount. 

I have attempted to resolve this issue with LoanCare in writing twice by sending Error Resolution Notice under 12 C.F.R. 1024.35. LoanCare ignored both attempts by simply directing me to call them. LoanCare doesn't maintain live agents at their call centers, as I have not been able to reach one in the last three weeks. 

I kindly request your mediation in obtaining the refund of my escrow balance and recomputing my monthly payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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.
Product: Debt collection

I have made several attempts since XX/XX/XXXX to cancel my membership due to a XXXX illness. I have sent them all of the information they requested to get this done under these special circumstances and they ignored me, the Indiana Attorney General ( for 2 months ), and refuses to give me something in writing stating that my account has been closed. I asked them to call the collections agency they hired so that the inaccurate reporting can be removed and they said that " it's nothing they can do ''. I asked to speak with XXXX but he seems to be a ghost and is never available to speak to anyone, according to the manager XXXX. FIrst she tells me that " Ppl normally pay {$50.00} to get out of collections but you situation is totally different so you don't have to worry about that. '' She told me this on XX/XX/XXXX. Today, XX/XX/XXXX, she says that I do have to pay the {$50.00} since I told them not to charge my account instead of having it frozen..
Product: Mortgage

I am seeking online access to the my wife 's estate account. I have asked several times for this online access, and filed a previous complaint ( XXXX ), when they would not provide any information to me regarding the mortgage account. 

I am the designated successor-in-interest to the mortgage account and XXXX XXXX Senior Vice President , Mortgage Servicing, assured me that I would have access to the account, however, I have been unable to get online access. I am a PenFed member and have a Penfed checking and savings account in my own name. 

Penfed 's policies are in direct contravention to Regulation X ( CFR 1024 ), regarding successor-in-interest.i.e., Servicers are required to maintain policies and procedures that are reasonably designed to achieve the following objectives.1.Accessing and providing timely and accurate information. ( 12 CFR 1024.38 ( b ), and ( f ) Upon notification of a borrowers death, promptly identify and facilitate communication with the borrowers successor in interest concerning the secured property. 

Penfed 's policies in denying online access to the estate 's mortgage account are in direct contravention of the requirements of Regulation X.
Product: Bank account or service

I have a XXXX IRA with Capital One 360. My mobile app states my account is inactive and that I need to make a deposit or transfer to make it active. When I try either option it tells me to go to a Capital One ATM. There are no such machines in my state. I have now called this institution 6 times to get NO RESOLUTION! 
When I call I get transferred from person to person and explain my question over and over. In fact one agent even went so far to tell me I have no such account!
Product: Payday loan, title loan, or personal loan

I have 16 payday / installment loans. I live in the state of Illinois. I was not aware that, by law, I should not have been allowed to have more than three & that they should not total more than 22.5 % of my income. Why 16 loans? Because I was constantly trying to catch up one loan with another, thinking that once I brought the one down, I would be able to take care of the new one. Well one led to another and then another, all at astronomical expenses to my wallet. I recently found my checking account in the negative, because I just plain and simply could no longer handle the juggling act. I need help. I didnt even realize that I had 16 loans, until I really began trying to get to the bottom of my financial crisis. Is this legal for companies to continually extend loans to me, without verifying whether or not I was at the maximum loan amounts for the state of Illinois? How can I get all of this debt off of my back? Is there help out there for my situation?
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Days Late Real Estate {$0.00} Status Date Reported XX/XX/XXXX Payment Status XXXX Days Late Account Status Transferred Account Details Account Type XXXX  real estate mortgage Responsibility Individual Original Loan Amount {$110000.00} Date Account Opened XX/XX/XXXX Date Account Closed XX/XX/XXXX Collateral DEFERRED TO XXXX Payment Details Date of Last Payment XXXX XXXX XXXX Monthly Payment {$0.00} Term XXXX Payment Frequency Monthly ( every month ) On Time Payments XXXX % Worst Pay Status Late XXXX Days Lender Info XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Remarks : I want this removed they were not my mortgage holders I am currently with Flag star. I went through a loan modification for a lower interest rate m during the covid years, I was not late or did they EVER have my mortgage loan
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent several dispute letters to Experian on XX/XX/2020 along with Proof of my identity, and Ihave not received a response yet to any of my disputes.

As far as I'm concerned the Fair Credit Reporting Act indicates on Section 611 Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( A ) In general. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting incorrect and or inaccurate data and amounts.
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 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and 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 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 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: Credit reporting or other personal consumer reports

My issue is with XXXX XXXX. I began getting calls from them a few months ago that I had two separate loans that needed to be paid off, neither of which were taken out by me, though they had ALL my information attached to them. One was for XXXX dollars and the other around XXXX. I told them on several calls this is fraud and to please open a case, as the sales were made in DE and I live in OH. They told me on every phone call from XXXX now ( XXXX ) they would open a case and not charge or report the items to credit for well over a month. However a few weeks would go buy I would hear nothing and then get another call and the same thing would happen and be told I owe money to them and was told again they opened an investigation, never any proof of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried numerous times through email, phone calls and complaints on the texas attorney general website child support for case # XXXX cause # XXXX to correct the information they have reported on all 3 credit bureaus! 
They have me as not making 1 payment, past due amount {$13000.00}! the child support comes out of my check every 2 weeks plus I have had additional payments that have me paid up to {$15000.00}!

its the only thing negative on all my credit reports and I have disputed it with all 3 companies and sent numerous emails and calls for the attorney general to remove the never paid amount off my credit and nothing has been done!
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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 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
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 ( 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.