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

Discover Financial Services reported 2 credit inquiries. One on XX/XX/XXXX and on XX/XX/XXXX. 
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX is consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution in this case Discover Financial Services and the Consumer reporting agency XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, ( Furnisher ( Discover Financial Services ) ofinformation to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a non-affiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher ( Discover Financial Services ) of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Discover Financial Services and XXXX are not maintaining reasonable procedures.
Product: Checking or savings account

I get paid every XXXX  ( Sometimes XXXX  ). I haven't received my money, as did many others with Capital One Bank. They still don't know when they can fix the problem. It's been way too long with little communication on what is going on.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have 2 previous addresses that are not mine see letter of explanation
Product: Credit reporting or other personal consumer reports

i never requested to get my credit inquiry for inquiries mentioned below : A FEW OF THEM ARE 6 TIMES OR REPEATED AFTER XXXX MONTHS. PLEASE REMOVE THIS - THIS WAS NEVER APPROVED OF ME TO GET INQUIRED. 

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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Complaint against TD Bank XX/XX/year> I received call from bank about Fraud for XXXX, I denied the purchase. 

The next day the amount was charge to my account. 

The fraud complaint XXXX was filed on XX/XX/XXXX, and denied on XX/XX/year> I opened another complaint XXXX on XX/XX/year>, this time asking for the evidence that was provided against the claim. 

On XX/XX/XXXX I was denied again leading to the most recent claim XXXX I spoke with XXXX, XXXX, and XXXX. Unfortunately I do not have the name of the gentleman I spoke with on the XXXX however all phone calls should have been recorded. 

I removed all my funds from the bank to another bank leaving XXXX in the account until the claim was resolved. However now I am being charged with XXXX $ maintenance fees every time the claim is denied due to the banks policy. 

This extortive process is demeaning and disheartening as I have banked with TD for 8 years with no issue until now. 

After reviewing the evidence the bank provided it is clear there is not only a level of incompetence that is allowed but encouraged, as the people I spoke to clearly were not all on the same page of how this process was being handled.
Product: Vehicle loan or lease

We bought a used XXXX XXXX XXXX and it was totaled on XX/XX/XXXX. We had purchased the gap insurance through Toyota through the car purchase. After the accident, my insurance paid $ 11k+ and I reached out to Toyota to have the remainder {$2500.00} paid off via gap insurance. Toyota had some kind of issue sending the info to their gap insurance division as the gap insurance division said they didnt have a claim from Toyota. We went back and forth for days, with both sides refusing to get on a call together to resolve this. This was XXXX. The last interaction we had with the gap insurance from Toyota was they would handle it for us. XX/XX/XXXX and we found it did not get covered by Toyota gap insurance and went through a collector which as of today 's call, said they haven't serviced that account since XX/XX/XXXX. They told us to contact Toyota Financial who is also on our credit report for a resolution, but we have been escalating and being transferred to a lost number of reps and supervisors and no one will resolve this for us. Toyota FinanciaXXXX confirmed no payment was ever made. Essentially, Toyota is selling gap insurance and I am a victim of a gap insurance cover up in which I paid for a service they wont render and is now impacting my credit report and score.
Product: Debt collection

Hello, I Have settled this bill under the name of XXXX XXXX ( my mother ) who sadly passed away last XXXX. 
I contacted XXXX and was directed to their company location on XXXX to finalise and close the account in person while returning all equipment. we returned all the equipment asked and was assured the account t had been closed. 
I asked for printed verification to which the sales rep had told me no she can not do that. we were met with such disgusting attitude and rudeness we actually decided to sign up with a new company due to the sales lady attitude. 

This account has been closed and as I mentioned the account holder ( my mother ) has passed away. I personally returned all the equipment and drove all the way to the companies location to assure this had been taken care of and I keep receiving these bill collections letters for various random amounts, this is ridiculous and I suggest you contact XXXX to verify this information. Thank you
Product: Mortgage

About three years ago I attempted to assume grandparents estate because I am the estate representative and the home was willed to me. I filed all the appropriate paperwork and Bayview Loan Servicing/Community Loan Servicing denied me and would accept me as the representative although I had the official court docs. I filed case # XXXX and Bayview overturned the decision allowing me to begin the process. A few months later that modified the loan in 2019 and then told me they were supposed to make me assume the loan before modifying. I've spent the last 2 years going through the assumption process due to their delays. The loan was FINALLY assumed officially last year in XXXX, I signed paperwork for modification in XX/XX/2019 and yet I still have no modification paperwork. It's years later and the company has been holding all of my payments and has continued to charge me 3 years of fees for late fees, legal fees and fees for having to front the money. This is fraudulently being done at my expense! I've been paying them since they originally approved the modification of my grandparents loan. I am still 3years later not able to write the interest off on my taxes continuously see years worth of fees being allocated to me fraudulently! They owe me all the fees from the point that they denied my paperwork in error 3 years ago. I have a timeline of documents including the dates and letters from the modifications, emails with the assumptions department etc. This is unethical.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Accounts Listed below, has violated my rights. 

Name of Account Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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
Product: Credit reporting

XXXX XXXX XXXX XXXX, XXXX - Address : XXXX XXXX XXXX XXXX, MI XXXX was sent by XXXX XXXX to collect a measly debt from me which was really unauthorized in the XXXX. I agreed to their offer to pay {$34.00} and then they went and put it on my credit report costing me an extra quarter point on my home mortgage. They offered the settlement. I would never have agreed had I known they would do this. At this point I 'd be willing to pay the bill in full if they will remove the negative report. My other option is to go to small claims court.
Product: Vehicle loan or lease

During the summer months, I experience a decline income due to my employment. Therefore, I request a one month payment extension with my Auto Loan Company, Chase. For the past almost fours years, my request for payment extension is granted. I have never been delinquent with my auto loan payment. However, On XX/XX/2019 my request for a one month payment extension was denied this year. I explained my situation to representative and the supervisor with no avail. After a lengthy discussion and waiting, I was informed the reason for the decline as it is not " contractual ''. This reason for denial baffled me and therefore I emailed the office of XXXX XXXX Executive Director, Communications, JPMorgan Chase & Co. A representative contacted me and stated Chase will follow-up. About week later a representative of XXXX XXXX XXXX XXXX office called. The representative shared her role was help resolve the matter. The representative via conference call contacted the department handing my request. After, reviewing my information my request was still denied based on " policy changes ''. I requested an explanation and representative stated a letter will be mailed with explanation. I have received XXXX letters the reason for denial was not " policy changes ''. I would like CFPB help in exploring the denial of my payment extension request especially since I have been clear reason for denial.
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 consumer 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 disputes 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 cause significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove these items that was opened without my knowledge, consent, or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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  NV XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX XXXX XXXX Balance : {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

My loan was sold from loan depot to Mr. cooper in spring of last year. Somehow my escrow account billed monthly increased dramatically as soon as Mr. Cooper started billimg my in the newly purchased loan. I have called in several times requesting an escow account balance sheet to find out why my monthly payments has went from XXXX a month to XXXX a month. Taxes and insurnace have not increased in the amount my escrow balance has. I have multiple emails and recorded phone calls trying to get answers. I have voluntarily delayed my payments to the bank until i have some clarification on what is being billed. I cant get anyone within the company to get back with me and dont have time to spin wheels to figure out what the mistakes are on THEIR end. I have now paid this absurd increase for 5 months straight and I am drawing the line until i get answers. Outside of hiring a lawyer and suing this new mortgage company, I dont know what else to do
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit AcXXXX XXXX XXXXccount number # XXXX has violated my rights 15 USC 1681 section 602 A //states I have the right to privacy 15 USC 1681 section A section 2 states a consumer reporting agency can not furnish my account without my written instructions or consent
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX, found out Equifax a victim of cyber hack. 
XXXX XXXX, XXXX, found out I am a victim of stolen information. 
Companies with possession of confidential information of millions of Americans should have better protected their assets.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, EQUIFAX, AND XXXX ARE IN BREACH AND HAVE COMMITTED SEVERAL VIOLATIONS ; ALL 3 BUREAUS ARE IN VIOLATION OF : 1. 15 US Code 1681 b 2 - ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person. 
2. 15 US Code 1681 c 2 - 3. 15 US Code 1681 e b 4. 15 US Code 1681 a 2 5. 15 US Code 1692 C C 6. 15 US Code 1692 G 7. 15 US Code 1602 P 8.15 US Code 1601 ALL VIOLATIONS THAT I HAVE BEEN COMMITTED AGAINST ME, MAY BE SUBJECTED INTO A LAWSUIT LOCATED NEAR A VENUE NEAR ME. YOU HAVE 10 DAYS TO REMOVE ALL HARMFUL, UNLAWFUL, DECEPTIVE, ILLEGAL, FRAUDULENT INFORMATION FROM MY CREDIT REPORT!
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 XXXX XXXX XXXX. 

Account name : # XXXX, # XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX A. States I have the right to privacy. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX It also states a consumer reporting agency can not furnish an account without my written instructions/consent XXXX XXXX XXXX ( a ) ( XXXX ) 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 XXXXXXXX XXXX 

XXXXXXXX XXXX XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

i sent a letter on XX/XX/2022 to XXXX XXXX however its been more than 30 days and the credit bureaus failed to send my investigation back this is not making any sense. 
according to the law 15 U.S.code 1681 i procedure in case of disputed accuracy in the completeness of accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the the consumer and the consumer notifies the agency directly or indirectly through a reseller of such dispute, the agency shal, free of charge conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ) 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 or reseller
Product: Debt collection

We received a bill from XXXX XXXX XXXX requesting payment for a debt that CHECKR INC had turned over to them. When I spoke to XXXX XXXX with that company. I informed her that it was not my company 's debt and that we had never requested services from CHECKR. The invoices she sent me began XXXX and went through XXXX. 2024. The contact name that was on the statement was a person that had not been with my company for over XXXX years, was a contract worker, and had no authority to authorize services. I am still waiting on a copy of the contract. In the mean time I tried to call CHECKR INC., there was a recording that said to contact their support team through email. I did and was I asked was I sure the bill was from them. I was sending them the copies of the invoices within XXXX minutes and I received an email saying the support email address was no longer monitored and to start over. 

XXXX XXXX XXXX bill is for {$1000.00} dated XXXX
Product: Credit reporting or other personal consumer reports

I have contacted XXXX XXXX XXXX XXXX XXXX XXXX regarding this account showing repeated charge off and they send me back letters stating that they have reviewed my account and the information is correct. 
I have not received any of these below regarding this account. 

XXXX. No XXXX Offered : I was never offered nor allowed arbitration in relation to this account. Any claim suggesting that arbitration was made available to resolve this matter is incorrect. 
XXXX. No XXXX Received : I have not received an IRS Form XXXX ( Cancellation of Debt ) related to this account. The absence of this form indicates that no debt cancellation has occurred, yet there appears to be erroneous reporting in connection with this account. 
XXXX. Repeated Charge-offs : According to the FCRA, XXXX debt can only be charged off once. However, this account has been repeatedly reported as a charge-off every month, which is inaccurate and damages my credit standing. Such repeated reporting is a violation of the FCRA 's accuracy requirements. 
XXXX. Under the Fair Credit Reporting Act ( FCRA ), the statutory damages related to violations are outlined primarily in XXXX XXXX. XXXX and XXXX XXXX. XXXX, which govern civil liability for willful and negligent noncompliance with the FCRA.
Product: Vehicle loan or lease

IVE ATTACHED USAA PAYMENT HISTORYS FOR ACCOUNTS THAT WERE CLOSED/CHARGED OFF BY USAA. THESE ACCOUNTS HAVE CAUSED A SNOW-BALL CATASTROPHIC PLUNGE TO MY SCORE OF XXXX! MY ATTACHED CREDIT PAYMENT HISTORY WILL CLEARLY DEMONSTRATE HEALTHLY CONSUMER ACTIVITY PRIOR/LEADING TO THE 2020 PANDEMIC. MY UNUSUAL PAYMENT ACTIVITY IS SOLELY DUE TO COVID 'S PANDEMIC IN WHICH I'VE STRESSED TO USAA. IM LABLED AS A HIGH-RISK CONSUMER WHICH IS INCORRECT & FALSE. USAAS UNWILLINGNESS TO TAKE THE TIME TO PHYSICALLY REVIEW MY CREDIT HISTORY INORDER TO MAKE AN ACCURATE AND SOUND CREDIT DECISION PER REQUEST HAS LEFT ME CONFUSED THIS ENTIRE YEAR. HAS CAUSED A BIGGER ISSUE IN REGARDS TO MY CREDIT SCORE. I NEVER KNEW XXXX CREDIT SCORES WERE EVEN POSSIBLE! USAA CONSUMER REPORTING IN 2020 HAS MISREPRESENTED MY TRUE CONSUMER IDENTITY. I UNDERSTAND FINANCIAL INSTITUTIONS HAVE RULES AND GUIDELINES. I TAKE FULL FINANCIAL RESPONSIBILITY FOR MY ACTIONS. I'M LEFT CONFUSED, NOT ONE USAA REP TOOK THE TIME TO LOOK INTO MY CREDIT HISTORY TO ACCURATELY GAIN A BETTER UNDERSTANDING & PERSPECTIVE ON WHO I AM AS A XXXX VETERAN CONSUMER. POSITIVE REPORTING CLEARLY DISPLAYED IN MY CONSUMER CREDIT REPORT PRIOR TO 2020. IVE INFORMED USAA OF MY HARDSHIP '' AT LEAST 6 TIMES A MONTH. BUT IM CONSTANTLY DENIED ASSISTANCE DO TO " NOT QUALIFIED '' TO RECIEVE NOR PARTICIPATE IN ANY USAA AID RELIEF PROGRAMS. BUT, REP REQUEST PAYMENT FOR PAST DUE ACCOUNT. C'MON. MY ENTIRE CREDIT HISTORY HAS BEEN DESTROYED ALL IN 10 MONTHS. ECONOMY DOWN ( SLOWLY PICKING BACK UP NOW ), ZERO AID RELIEF THIS ENTIRE PANDEMIC, WIPED OUT CHECKING & SAVING TO SUPPORT MY XXXX KIDS AS A SINGLE DAD. I COULD CARE LESS ABOUT MY CHECKINGS ANDS SAVINGS ACCT. ITS MY CREDIT I TAKE PRIDE IN. WITH A CURRENT XXXX CREDIT SCORE, THATS AN INACCURATE AND COMPLETE MISREPRESENTATION OF MY TRUE CONSUMER ID. ALSO, LENDERS REFUSE TO GRANT ANY FINANCIAL REQUEST. MY XXXX TODDLERS AND I HAVE BEEN THROUGH LIFE CHANGING EVENTS AND SEVERELY PENALIZED DUE TO CONSUMER REPORTING INACCURACIES. I'VE PLEADED WITH USAA, PLEASE BASE ANY/ALL CREDIT DECISIONS PRIOR TO 2020 WHICH WAS DISREGARDED. AND CONSEQUENTLY, I NOW HAVE " ZERO '' RESOURCES DUE TO INACCURACIES LISTED ON 2020 CREDIT REPORT. AS A XXXX XXXX XXXX VET BATTLING XX/XX/XXXX, AND 11 GOOD YRS BANKING WITH USAA. WOULD HAVE NEVER IMAGINE USAA WOULD CLOSE THERE DOORS ON ME AND MY FAMILY DURING NATIONAL DISASTER.