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

Due to a series of unfortunate and unexpected events, I fell behind on my loan. I communicated my difficulties and payment plans to the bank during 90 % of all calls. A payment was made as promised on XX/XX/year>. On XX/XX/year> I called to make another promised payment and advised the rep at that time that I had filed bankruptcy two days prior and my attorney would be reaching out to them. The representative informed me that with this information, she would not be able to accept my payment. On XXXX  I was contacted by a representative asking for a payment. I told her that I had tried to pay earlier but since I filed bankruptcy, my payment was refused and offered to make a payment on this call with her. She put me on hold and came back saying that they could not take my payment. The following day, on XX/XX/year>, I was informed that my vehicle had been towed from a parking lot and on XX/XX/year> received an electronic notification that they had repossessed the vehicle for failure to pay as promised. I did not fail to pay as promised, my payments were refused when I informed them that I had already filed bankruptcy. Their continuing collections activity after being notified of a bankruptcy violates the FDCPA.
Product: Student loan

In XXXX, XXXX, I signed on to my Nelnent online portal and increased the amount of my auto-debit from my min payment ( $ XXXX ) to $ XXXX. In XX/XX/XXXX there was no auto debit from my account. 3 months of and multiple calls/chats later, my auto debit issue is fixed ( it was an issue on the Nelnet side XXXX not the bank side ). 
Now my monthly payment has gone up from $ XXXX to $ XXXX. 
Upon contacting Nelnet, it seems my loan was re-disclosed on XX/XX/XXXX and the terms changed from XXXX payments remaining in XX/XX/XXXX to XXXX payments remaining in XX/XX/XXXX. 
The problem is I can not afford the new terms. 
This seems wrong and illegal to rewrite terms that I signed many years ago. 
Nelnet has told me the only course of action is to either put the loans in forbearance or to do a Direct Consolidation Loan. 
Do I have any rights here?
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX # XXXX DATE OPENED XX/XX/XXXX XXXX  XXXX # XXXX DATE OPENED XX/XX/XXXX - BALANCE {$220.00} XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX - BALANCE {$30000.00} XXXX XXXX XXXX  # XXXX DATE OPENED XX/XX/XXXX - BALANCE {$3200.00} XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX - BALANCE {$450.00} XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX - BALANCE {$3700.00} XXXX XXXX  XXXX XXXX DATE OPENED XXXX BALANCE {$720.00} XXXX XXXX  # XXXX DATE OPENED XX/XX/XXXX - BALANCE {$670.00} XXXX  # XXXX XXXX OPENED XX/XX/XXXX - BALANCE {$3000.00} XXXX # XXXX DATE OPENED XX/XX/XXXX - BALANCE {$500.00} XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX - BALANCE {$1100.00} XXXX  XXXX # XXXX DATE OPENED XXXX BALANCE {$500.00} Unauthorized inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$370.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- COLLECTION ACCOUNTS -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2015with a credit limit of {$370.00} -This is not my account.
Product: Credit card

My name is XXXX and I am a victim of Identity Theft. The thief made various fraudulent transactions or opened a fraudulent account with Barclays in my name. In accordance with section XXXX XXXX XXXX XXXX of the Fair Credit Reporting Act, XXXX U.S.C. XXXX ( XXXX XXXX, I am requesting Barclay 's provide me copies of all business records relating to the account. This includes application records or screen prints of internet/phone applications, statements, invoices, and the full accounting history showing how the alleged amount was calculated.The federal law directs that they provide these documents at no charge, and without requiring a subpoena, within XXXX XXXX XXXX XXXX days of their receipt of this request. I am submitting this through the XXXX so it is on record as when I sent then, that Barclay 's received it and are aware of what I requested. 

Additionally, I am writing to dispute certain information reported about me to the credit reporting agencies ( CRAs ). I have enclosed a copy of my FTC Identity Theft Affidavit and police report. Because the information they are reporting is the result of identity theft, and does not reflect my activities, I am requesting that they stop reporting this information to the CRAs pursuant to section XXXX ( a ) ( XXXX ) ( B ) of the Fair Credit Reporting Act, XXXX U.S.C. XXXX ( a ) ( XXXX ) ( B ). Please investigate this matter and delete the disputed account as soon as possible. And I request that Barclays send me a letter documenting the actions they have taken to absolve me of any responsibility for the information I am disputing, which resulted from the identity theft. 

Should they find the disputed information to be inaccurate or incomplete, or they can not verify the accuracy or completeness of the disputed information, they are additionally required, under FCRA XXXX XXXX b ) ( XXXX ) ( XXXX ), to promptly notify the credit reporting agencies of deletion of this information from my credit file. 

Thank You, XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I have been hit with hidden charges. I was in a situation that caused me to lag behind on making on time payments. Then the account got closed. 

I have had this account since XX/XX/2021. The negative remarks ( delinquent payments ) that happened last year due to circumstances beyond my control are damaging my credit, causing me do being denied housing as well as being charged high interest rates. 
I have been trying to reach out to the company to settle and resolve the past due balance but in vain.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX Balance : {$180.00} ; XXXX XXXX  XXXX Balance : {$10000.00} ; XXXX  XXXX Balance : {$740.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; CPS XX/XX/XXXX XXXX XXXX XXXX XX/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 Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and 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: Money transfer, virtual currency, or money service

I am writing to formally file a complaint against Cash App regarding its violation of the Consumer Financial Protection Act ( CFPA ) and its failure to take timely and effective measures to prevent and address fraud on its platform, which left my account vulnerable and unprotected. Despite trusting Cash App as a secure financial platform, my account was subjected to fraudulent activity that could have been prevented with proper safeguards. Specifically : Failure to Prevent Fraud : Cash App did not implement adequate security measures to identify and prevent fraudulent transactions, exposing my account to unauthorized access. 
Ineffective Response : When I reported the issue, Cash App did not take prompt or effective action to resolve the matter, leaving my account at continued risk. 
Violation of CFPA : Cash Apps actions ( or inactions ) undermine the protection of consumers ' financial interests, as mandated under the CFPA, by failing to provide the necessary tools and measures to secure users accounts and resolve fraud-related concerns promptly.

Also 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: Credit reporting, credit repair services, or other personal consumer reports

Once again I discovered that XXXX account on my credit report was incorrect when I reviewed it. The following account need to investigate and correct for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX : {$650.00}
Product: Debt collection

Letter XXXX XXXX XXXX  with USPS tracking number XXXX signed for on XX/XX/year> requesting verification of the account with a document bearing my signature. Nothing furnished within the 30 day time frame. Letter sent XX/XX/year> with USPS tracking number XXXX received on XX/XX/year> requesting again verification of account with documentation bearing my signature. Requested item not furnished in the 30 day time frame. XXXX sent XX/XX/year> USPS tracking number XXXX received XX/XX/year> requesting validation again with no documents sent proving any signature of mine bearing an account with this company. They are reporting inaccurate information to the credit reporting agencies.
Product: Debt collection

PORTFOLIO RECOVERY ASSOCIATES , LLC XXXX XXXX XXXX XXXX, VA, XXXX ACCOUNT XXXX BALANCE : {$450.00} STATEMENT : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed a copy of my credit report and I noticed unauthorized inquiries had been made by the following companies : XXXX XXXX XXXX Inquired on : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Inquired on : XX/XX/XXXX XXXX Inquired on : XX/XX/XXXX XXXX XXXX Inquired on : XX/XX/XXXX XXXX XXXX Inquired on : XX/XX/XXXX XXXX XXXX   Inquired on : XX/XX/XXXX XXXX Inquired on : XX/XX/XXXX. 

I contacted the TransUnion and asked them to remove their credit inquiry from my credit profile on several occasions however all of the inquires have not been removed. I filed a complaint through Consumer Financial Protection Bureau in XX/XX/XXXX and TransUnion replied with a general response not specific to my issue and the inquiries mention herein have not been removed from my credit report. 
Im request that you remove these inquiries on my credit report and send me an updated copy of my credit report. I'd like the credit bureaus to please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation if the above credit inquiries are not removed. 
Thank you for your assistance in this matter. 
Sincerely, XXXX XXXX
Product: Debt collection

I have been contacted repeatedly GM Financial. They ask that I return their call at XXXX. I have had no dealings with GM Financial. 
I bought a car from XXXX in 2006 and it was paid in full, by my dad. I have no attachment to that loan and have had zero dealings with GM, except for car repairs, which I have paid in full.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding a Zelles handling of disputes, particularly in light of the most recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting my discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking these transactions were unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but also has allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit card

I went to the dentist in pain after a XXXX, he said I needed a XXXX. For the first time in my time seeing him, he wanted payment for procedure up front instead of sending it to my insurance as usual and as my insurance says is supposed to happen with in-network providers. I could not afford the procedure in cash, and would have usually walked away to get a second opinion. However, then my dentist 's assistant said there was a deferred payment credit card option that is just " great. '' While I was still in pain in the dental chair in the back of the office they presented me with a CareCredit application. I felt pressured into signing up for a credit card that I think is probably a pretty bad credit card. I was in pain and it was a high-pressure situation taking place in the dental procedure chair. I, regrettably, signed the credit card papers for a charge over {$1000.00}. This charge posted to my new account the same day. Once I finally had a chance to read the terms of the credit card, I decided this was not something I should have signed up for, and it was revealed my pain would require more expensive procedures. I wished I had gotten a second opinion and not been pressured into a new credit card. I contacted my dentist to find out what the real cost of the procedure would be and to ask them to put my XXXX on hold at the lab. They said they did n't know what insurance would pay, they did n't have the ability to refund any portion of the balance, and that they would put the crown on hold at lab while I figured out where I would get other procedure done to finally relieve my pain. I was so relieved they could put the XXXX on hold at the lab, but it turned out they either could n't or did n't keep their word and no one notified me. Since they could not help me with a refund I began my dispute with CareCredit, asking for a full reversal of the charge - the contract states this is my right because a charge greater than {$1000.00} was posted within 3 days of signing up at my dentist 's office. Now, a month after disputing the charge, I received notification that CareCredit has closed the dispute in favor of my dentist who issued a partial refund. I asked CareCredit to follow their contract and reverse the full transaction. They have told me they " just finance '' and that I have to request this refund from my dentist. My dentist has already said he can not ( or will not ), but the CareCredit contract states " Right to Refund. CareCredit provides you with the right to a refund to your CareCredit account for any dental or audiology transaction amount greater than {$1000.00} if the transaction occurred within three days of the date your provider submitted the application. '' I do not want this card, and I feel I have been conned.
Product: Debt collection

Commenity Bank repeatedly calls me from different numbers for a XXXX XXXX. I have told them I am not XXXX XXXX, I do not know a XXXX XXXX, and to please stop calling me. They just keep calling daily even after I block their numbers they've called from. They just use new ones.
Product: Debt collection

XX/XX/24 VALIDATION AND CEASE AND DESIST Re : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX File number : XXXX Dear ARC Management Group , LLC I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor.

PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR. 
VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR. 
PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR. 
PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR. 
PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 
PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. 
IF YOU PASS THIS ON TO ANOTHER COLLECTOR, I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. Thank you for your immediate cooperation.
Product: Credit card

On XX/XX/year>, when I attempted to schedule an XXXX ride to work, I received a decline from my linked Citi XXXX XXXX XXXX credit card. I attempted to call Citi immediately, and was on hold for over XXXX minutes waiting to speak to the Fraud department. 
There was one transaction attempted that was declined by Citi, and no other fraud. I am currently working in XXXX and asked for a card to be sent to an alternate address here. I was told by the representative that they could not expedite a card to me despite them closing down my only credit card to use. I asked to escalate to a XXXX and was told I would receive a call back. 
XXXX hours later on XX/XX/XXXX, I still had not received a call from a XXXX, so I called Citi back. My first call I was hung up on, and on the second attempt I discovered that Citi had not completed the closing of my account, and I had to go through all the information again. I again was told they were closing my account and that they could not expedite a card to me. I expressed concern again that I was in XXXX, and sending via mail would take weeks to reach me and that I needed a card sent. They could not explain why the account wasn't resolved, and assured me I was still in queue for a XXXX to call ( its been over XXXX hours ). I asked who I could escalate to, and was told there was no one else I could speak to even though I asked for the complaints department. When I looked online I did see that Citi has a number to call for complaints, but their representatives did not disclose that. 
I also inquired if a client had fraud and was traveling, was it Citi policy to send a card quickly to the client? They responded yes, but my account was not eligible. They could not explain why. 
This is a terrible experience as I am left stranded in another country without a credit card or a willingness of Citi to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion and XXXX failed fix error in account site unable to add documents saying I sold vehicle. XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and updated from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX 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 XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB- Numerous disputes were filed with Transunion for the incorrect reporting of accounts XXXX XXXX XXXX  Acct # XXXX and XXXX XXXX XXXX Acct XXXX XXXX. Multiple disputes have been filed with Transunion and the information has come back verified as belonging to me. 

On XX/XX/23, Transunion sent an updated credit report to my residence with the wrong name listed on the credit report. The above referenced accounts were listed in the credit report as verified and belonging to XXXX XXXX. Unfortunately there is no one by the name of XXXX XXXX residing at my residence. 

We are asking for the alleged verified as accurately reporting and belonging to XXXX XXXX be removed from consumer profile and checks in the amount of XXXX per account and for the duration of how long these unverified accounts have been listed within my consumer profile be removed immediately. 

We expect this to be rectified within 15 days and the checks of {XXXX} each for violations of the FCRA be mailed accordingly. 

This has caused me great harm and has affected my ability to obtain credit at this time. 

Respectfully submitted, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

This person by the name of XXXX XXXX was sent {$50.00} in return of getting serviced by her and I never got the service, so I tried asking cash app for a refund/ dispute but they were no help and I never got the money back. There are a couple more transactions similar to this money being sent and I never could ask for a refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have sent multiple attempts to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX and my Police report that I have filed on my local police department that would testify that I am a victim of Identity Theft.. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX