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

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I 'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Vehicle loan or lease

I have received multiple calls from the company to collect the ammount I owe. I currently lost my vehicle during hurricane XXXX due to a XXXX and the vehicle was declared Totaled by a local shop. My vehicle XXXX XXXX XXXX is trying to pay XXXX towards the debt in order to finalized my total loss claim. My Insurer needs the Lien holder Paperwork in order to pay them directly the amount that they are paying me for the totaled vehicle but it has been over 3 weeks already since they have been waiting for that paperwork. Whenever I have spoken to ally over the phone i've told multiple representatives the situation and have told them to transfer me to the total loss department, whenever they do that I am sent to a dead line. Its very frustrating because I am not avoiding them nor trying to skip paying this loan off to get it off my credit.

Whenever they call back they repeat the same scripted conversation regarding me owing them the monthly payments and they don't keep any records of the conversations and my requests. I have also tried the secured messaging via their app and yet they just answer with a scripted message saying that due to the nature of my request I need to contact them to their XXXX number, this is the same number that I have attempted multiple times to finalize my Insurers claim. This situation has me depressed at this point since there's no local office for them and I am sure that they will instruct me to send mail to their hq or say that they can not help me. I am already unhappy from losing my method of transportation and my local vehicle.
Product: Credit reporting or other personal consumer reports

This account was opened with UPGRADE in XX/XX/XXXX as a {$500.00} line of credit. The account was never late, and I complained to the creditor that it wasn't reporting or reflecting my timely payments to the bureaus, and my credit was getting impacted. The creditor explained that they are NOT a bank, and that they use a XXXX party to report and update all payments and credit updates. The process could take up to XXXX - XXXX  days. 
I paid the balance of the account ( {$390.00} ) - in full on XX/XX/XXXX ( {$430.00} ) The account Balance was XXXX. As of today 's date XX/XX/XXXX ... the record in XXXX has NOT been updated since XXXX XXXX, and continues to erroniously report a balance of {$390.00}. This afffects my debt-to-income ratio, and thus affects my score. 

I filed disputes in XXXX and XXXX with BOTH the creditor : " UPGRADE '' as well as with XXXX. Neither accepted responsibility and instead pointed the finger and blamed each other. 
XXXX concluded at the end of the XX/XX/XXXX Dispute that the balance is indeed XXXX, and that it was paid in full. ( Based upon my bank statements, and the screenshots from Upgrade 's own User Portal. ) I asked for the XXXX time for XXXX to correct my report and back date it to reflect a XXXX balance. They refused stating that wasn't their " process '' and again opened a NEW dispute to verify with Upgrade. 

I attempted to escalate the issue to their " Corporate Office '' or " Board of Directors '' a " VP of Customer Care '' or equivelent. The supposed supervisor I spoke with " XXXX '' - claimed he was the highest authority I could speak with ... and that everything stops and ends with him. There was no further or higher authority to go to in order to address this issue. An endless circle. So I am wishing to file suit on both, and I am seeking full damages in accordance with the FCRA.
Product: Credit reporting or other personal consumer reports

I had a credit card account with First Progress credit card for XXXX . Innacurate charges were made on the account on several occasions due to the fault of the credit agency and my card being stolen. I rarely use the card as the limit is small and it was only held open to keep credit utilization low. The credit card was stolen along with my wallet and I informed First Progress of this and all charges made in XXXX  where fraudulent as I had made none. An investigation was started and I was reimbursed a portion of the balance but was told the other charges are verified to be mine because they occurred within XXXX miles of my residence. I live in the small city of XXXX and found that to be and unfair amd inaccurate measure because I did not make the charges. There were XXXX  charges of whom they would not tell me the name of the user. There were charges to bars and a pharmacy. Non of these were made by myself. The charges all occurred in XXXX  day span and the card was overdrawn amd then late and overdraft fees were added to the account. I really take issue on how XXXX charge was reimbusred for being proven not mine but the other charges that occured in a very close time frame are veried wronlgfully as mine. The account was always kept at a balance of 0 % by myself so it was a shock go log into the account and see a balance of XXXX XXXX for an account I do not use. This was the second time I had to file a of charges with first progress as this happened also in XXXX but judgement was awarded to my favor. They have shown a pattern of ease in allowing unauthorized transactions occur on there customers account. And this account has since been sent to collections in a charge off hindering my buying power amd having adverse effects to my credit. I make all my payments on time via all accounts but First Progress had given me real issue.
Product: Credit reporting or other personal consumer reports

I would like ( Capital One ) to stop sharing my nonpublic personal information with nonaffiliated third parties, including the consumer reporting agencies : XXXX, XXXX, XXXX
Product: Money transfer, virtual currency, or money service

My daughter called me to inform me that we received an official looking letter in the mail addressed to me that looked to be from a bank or financial institution and that it looked important. I asked her to open it and let me know what it was, and as she read it off to me, it appeared to be a threatening sounding letter from a debt collector trying to resolve an outstanding debt. After she read it to me, i asked her who its was from and she couldn't figure it out. I told her not to worry because we didn't owe anyone, and that it must be a mistake. When i got home I looked at it and determined that it was a misleading scam advertisement from Nationwide Debt Reduction Services that was sent to me because I simply have revolving debt, not because i have any debt that needs to be settled. I have outstanding credit, but this letter is written is such a way as to suggest that failure to call them within 10 days will suffer major financial hardship. I was able to figure it out, but it tricked and scared my daughter, and certainly would scare others into calling them. It is an outrageous and deceptive attempt to use fear to incite people into calling them. If this isn't illegal, it should be. Its simply wrong and should be stopped.
Product: Credit reporting, credit repair services, or other personal consumer reports

One year back in order to secure a business loan of dollar store and they referred me to a company which enhance/ increases my credit score so as to be eligible to get a loan and the company referred to me is XXXXXXXX XXXX XXXX. After filling out the forms and up front payment they were willing to provide service to enhance/ increase my credit score. 

Subsequently, XXXXXXXX XXXX XXXX  referred me to a new company called XXXX XXXX and they ask for upfront payment which I fulfilled and they never kept their promise nor did they let me know how they are going to do it. Since then, they have being charging my different checking and credit card accounts without my authorization. 

Without my authorization/ permission on my behalf they are filling different claims that includes filling a complaint to the credit companies and EVEN to the Consumer financial protection bureau and guided me Incase I have any communication ( e-mail or by mail ) with above referred companies and not to respond. 

I was told to send all communication to XXXXXXXX XXXX XXXX XXXX XXXX. 

They have being charging some amount from my checking or credit card accounts without my permission and authorization. 

I have received a letter in a mail from Consumer financial protection bureau ( CFPB ) regarding a complaint which was filed on my behalf without my authorization, permission and I did not have any knowledge About a complaint.
Product: Checking or savings account

My XXXX account has been locked since XX/XX/XXXX. I am requesting the account to be unlocked, so I can use it. 

I called InComm in XX/XX/XXXX and was advised to mail them a letter requesting the account be unlocked which I did. I called again in XX/XX/XXXX and was told that they have received my letter. I made another call in XX/XX/XXXX and was told that the representative on the phone will message the back office to look into my case and it should be resolved in 20 days. Nothing has happened ever since. The account with my money is still locked and nobody has ever contacted me. InComm locked my account because of a XXXX XXXX cashier 's mistake. 

Lastly, it is alarming that a financial institution is hiding behind a foreign customer service and the only way to reach InComm is through mailing a letter. 

I am requesting my account be unlocked.
Product: Debt collection

Phone listed is XXXX and XXXX XXXX XXXX XXXX XXXX XXXX For the past year, I have received this call. Robot call for phantom debt. All my debts except student loans were discharged in bankruptcy in XXXX. My student are on a income base payment. Since I live in a Democratic state, I believe it is attempt of Obama supporters and federal employees loyal to him and his policies to maintain power. I have known they are willing to discredit anyone with lies. For example, I was not able to receive my XXXX payment until very recently from a application in XXXX during a Democrat presidential era. Another is they purposely claim I did not have the degrees for several jobs.
Product: Credit reporting or other personal consumer reports

Re : Cease and Desist Demand and Dispute of Repossession Action [ Account Number - XXXX Dear XXXX XXXX XXXX, I am writing to formally dispute the debt referenced above, which you claim I owe, and to challenge the legality of the recent or pending repossession action related to this account.

I request that you provide immediate validation of this debt, including the following : 1. The total amount claimed as owed, including any interest, fees, and penalties.
2. The original contract or agreement that outlines the terms of the debt, including my signature.

3. A detailed explanation of how the debt amount was calculated.

4. Documentation showing that the debt is still enforceable, including the chain of custody or assignment of the debt if it has been sold or transferred.

5. Proof of compliance with all relevant state and federal laws concerning the repossession, including notice requirements and timelines.

Until I receive full validation of this debt, I consider this debt to be in dispute, and I do not acknowledge any obligation to pay it.

Furthermore, under 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), I hereby demand that you cease all communication with me regarding this alleged debt and repossession. This includes phone calls, letters, emails, or any other form of contact. The only exception to this demand is communication required by law, such as providing the validation of the debt as requested above.

Please be advised that failure to comply with this cease and desist demand, or to provide the requested documentation, may result in legal action being taken against your company for any damages I may suffer as a result of your actions.

I expect your immediate compliance with this demand and that all collection and repossession activities cease until this matter is fully resolved.

Thank you for your prompt attention to this matter.
Product: Debt collection

Had full coverage insurance and gap. Car was totaled loss said me and my mom committed fraud by not listing passenger on the policy. Did not pay car car is still reported on credit. The car was sold without my knowledge
Product: Credit card or prepaid card

I have had a Sears credit card for over 30 years. I recently found out that Sears had sent me at least two new Mastercards under their Citibank ShopYourWay Credit Card program when I got a bill for {$650.00} on a card that I did not request or received. Now after logging in to my Sears account, I found out from letters stored in the inbox that in XXXX, they sent a notice that the old Sears accounts were being migrated into new Mastercard ShopYourWay Credit Card accounts through Citibank and that these cards can be used at Sears and other stores where the old cards could only be used at Sears. I did not get the card, or it I did, did not recognize it and cut it up. In XXXX, another letter was put in my inbox that said that since I did not activate the new card, they were closing that account and sending me another card with another new number. It is that card that was used by someone on XX/XX/2019 at XXXX in XXXX, MA. I have reported this to Sears -- they are doing a fraud investigation but keep giving me different dates of completion. And they now have sent me yet another Mastercard and transferred the disputed balance to that new account that I did not request or want. In fact, I have asked them to close all accounts including the original Sears card account which was still open and active ( XXXX balance ). So now they moved the disputed balance back to the card where the charge was made but have left a {$39.00} late charge on the newest account -- even though I never activated it. I only ever activated or used the original Sears card account and have not used it for several years and had a XXXX balance for years. Citibank is issuing these cards without me requesting them, and allowed a charge on one that had never been activated, and continues to not close accounts I asked to be closed, to charge late charges, and to open yet another new account. They have caused me to be an identity theft victim, they have caused my credit score which was very high, to fall 15 points, and I keep having to contact them and they give me false information.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app due to inadequate customer practices, which violate the consumer financial protection act. 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 fraud transfer act and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

In Regards to XXXX ACCT # XXXX I am writing to file a formal complaint against XXXX XXXX for major violations of consumer reporting laws as outlined in the Fair Credit Reporting Act ( 15 U.S.C . 1681 et seq. ) and other relevant statutes. I have found numerous inaccuracies and unauthorized reporting on my consumer report, which have had a significant impact on my financial well-being. Upon reviewing my consumer report, I have identified several instances where XXXX XXXX has reported late payments, amounts, balances, dates, and other personal information without obtaining my explicit consent. These actions are in clear violation of 15 U.S.C. 1681c, which mandates that consumer reporting agencies must ensure the accuracy and relevance of the information they report. Furthermore, XXXX XXXX unauthorized disclosure of my personal information to third parties raises concerns under 15 U.S.C. 1681b, which requires that consumer reporting agencies obtain permissible purposes before disclosing consumer information to any third party. Moreover, my rights to privacy are protected under 15 U.S.C. 1681a ( q ), which acknowledges the significance of safeguarding consumer information and ensuring that it is used only for legitimate purposes. The unauthorized dissemination of my personal data by XXXX XXXX violates these privacy rights and undermines the principles of data protection enshrined in the law. Additionally, XXXX XXXX reporting of my consumer account as late for reasons not justified by a delay in payment violates the provisions of 15 U.S.C. 1666b. This statute prohibits treating a consumer account as late on an open-end consumer credit plan without reasonable cause. The unauthorized designation of my account as late without valid reasons further compounds the violations committed by XXXX XXXX. I kindly request that the following actions be taken : 1. Immediate removal of all inaccurate and unauthorized items from my consumer report, as mandated by 15 U.S.C. 1681i. 2. Cease and desist selling or disclosing any debts, personal information, or other relevant data pertaining to me to any third parties, both in the present and future, in accordance with 15 U.S.C. 1681c. Furthermore, I am aware of the consumer law provisions regarding willful noncompliance ( 15 U.S.C. 1681n ) and civil liability for willful noncompliance ( 15 U.S.C. 1681o ). Given the egregious nature of the violations committed by XXXX XXXX, I am prepared to pursue legal action to seek damages for the harm inflicted upon me due to their deliberate noncompliance with consumer reporting laws. I appreciate your attention to this matter and kindly request a prompt investigation into my complaint. If necessary, I am prepared to provide additional documentation and information to support my case. Let this serve as notice to XXXX XXXX that I am prepared to fully exercise my rights and will pursue damages to the full extent of the law. Thank you for your time and consideration.
Product: Debt collection

I have tried to resolve my issues with wakefeild and associates for over a year. They are claiming I owe a debt to XXXX XXXX XXXX. I have asked for validation. They provided me of a printout of a supposed bill. with no information about XXXX XXXX XXXX.i have tried contacting XXXX XXXX XXXX to no avail. They do not appear to be an actual business. the phone number listed is not in service and the address is for a XXXX XXXX in XXXX. I have tried numerous times to get information about XXXX XXXX XXXX  from wakefield and associates. They have refused to give me any information on how to contact XXXX XXXX XXXX to verify that this infact a valid debt
Product: Credit reporting or other personal consumer reports

I would like to dispute the following inaccurate items that are on my credit report. I have sent letters to XXXX, Experian and XXXX and they have not acknowledged my disputes. 
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 Experian : 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: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$4100.00} XXXX XXXX Balance : {$110.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have complained several times about inaccurate information on my credit report and Experian refuses to delete wrong information. There is address that is inaccurate they refuse to delete it. I want it removed immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute inaccurate information reported by XXXX XXXX XXXX XXXX ( XXXX ) on my credit report. As a consumer, I believe that the information reported by XXXX is incorrect, and I request your assistance in resolving this matter.
Product: Debt collection

Good Morning, I am reporting credit fraud and identify theft as my name has been used on XXXX different addresses for apartments as well as my name is being used with an utility bill. On my credit report i noticed that it stated that i have XXXX addresses under my name in XXXX, XXXX. I have never lived in XXXX. " XXXXXXXX  XXXX '' has reported to the bureau RESURGENT/LVNV FUNDING that i owe {$1200.00} for the bill which i did not open an account. Report says this was opened XX/XX/year>.
Product: Mortgage

In XX/XX/XXXX I was told that my final principal balance is {$740.00}. If I paid that it would payoff my mortgage loan. I paid that in XXXX but payment was applied to principal, interest and escrow with {$130.00} in unapplied balance. XX/XX/XXXX I get a demand letter stating that I owe for 2 months. I don't owe 2 months. This information was sent to the credit bureau. My XXXX statement shows that my interest bearing principal is {$420.00} with a notification ( this notification has been on the last 3 statements ) stating that they are unable to provide me with a payment amount at that time since my outstanding interest principal is less than my regular payment. So I called to see what I can do to resolve this and the lady was more worried about my 2 payments that they show that I am behind on. I tried to explain that I wasn't behind. She wasn't able to help me. So I make a payment in the amount of {$280.00}. With that payment and the unapplied balance it comes up to the {$420.00} that my XXXX statement showed. I get another demand letter stating I owe for two months. I don't owe this money. Again this is sent to the credit bureau. There website today shows that I am past due since XX/XX/XXXX. My XXXX statement shows {$420.00} in unapplied balance. I have dispute all this with their dispute department and I have received two letters a month apart stating that it will take them 30 days to check into this. Today I am disputing the escrow amount on their escrow statements.