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

On XX/XX/XXXX I leased a XXXX XXXX XXXX from XXXX in XXXX, Florida. 
A week later the blower motor went, which I fixed and alerted the dealer. Also, that same day I let him know the car was shaking real bad when I went over 45 mph. He said he would check it out, they did and told me nothing was wrong it may need some new tires. For the next seven months I was back and forth to the dealership, because the car was giving me issues and each time they would tell me nothing was wrong, yet the car was still shaking and barely moveable. Each month I made payments on time. Finally, in XX/XX/XXXX I spoke with the dealer and submitted the vehicle and told him to fix whats going on or keep the vehicle. I told him I couldnt afford to fix the vehicle and make payments. He said because I was honest with him and submitted the vehicle in good payment standing, that I was good, he would call it even. At this point, I thought it was over. A month later a guy I see a guy in my neighborhood with the same vehicle that I turned into them. So now Im like everything worked out well. In XX/XX/XXXX I happen to check my credit report and what do I see an open account from XXXX as if I still have the vehicle. So on XX/XX/XXXX I call XXXX in there financial department. I tell her I have taking pictures of the vehicle and I know its been released and that they are very wrong for still having me tied to this vehicle. She says they must have made a mistake and that the account should have been closed and that it shouldnt even be on my credit. I told her I was going to file a report and she beg me not to, she said she would fix. She called me back and sent me a text showing they had cancelled the balance and that it would be off of my credit on XX/XX/XXXX because thats the day they report. However, it wasnt removed. After several calls I decided to let the bureau handle it.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Experian, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a XXXX  XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$19000.00}, XXXX XXXX XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$5200.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$3400.00}, XXXX XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$2000.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$1700.00} XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$1400.00}, XXXX XXXX XXXX Account XXXX XXXX date opoened XX/XX/XXXX bal. {$970.00}, XXXX Account # : XXXX XXXX XXXX XX/XX/XXXX bal. {$170.00}, XXXX XXXX XXXX # XXXX date opened XX/XX/XXXX, XXXX  XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX XXXX XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX XXXX  Account # : XXXX date opened XX/XX/XXXX bal. {$0.00}. Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

My current lender, SLS, took over my mortgage. They now claim that my townhouse is in a flood zone, even though the other XXXX units do not have flood coverage either. A neighbor recently refinanced, and also did not need flood insurance. Out of curiosity, I did contact a few insurance agents for flood insurance quotes, and these agents questioned why I would need flood insurance, and they should be wanting to sell me business! 

I then obtained documentation from FEMA saying that our structures were not in the flood zone, the parking lot is actually adjacent to the flood zone. I provided this documentation to SLS, and they said they were still going to go forward and purchase flood insurance on my behalf, and of course charge me. This is outrageous, as I mentioned, as my FEMA documentation ( pulled XXXX/XXXX/15 ) clearly indicates that none of our complex 's units are actually in a flood zone. They also indicated that I would have to contact FEMA to dispute this- but FEMA already indicated that our units were not in the flood zone. 

Each time I call SLS to talk about this situation, I get a different story from different representatives. They are not receptive at all, and actually make the customer feel inferior.
Product: Vehicle loan or lease

I am seeking your assistance in addressing an ongoing matter. Despite my attempts to address the issue privately with Capital One Auto Finance and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, it is evident that their conduct and actions may be characterized as morally questionable and indicative of acting in bad faith. 

To provide context, I entered into a credit agreement on XX/XX/2023, and have engaged in multiple discussions with various representatives regarding both a billing discrepancy and the absence of comprehensive disclosures. My prompt outreach to the company was driven by a genuine intention to rectify the situation. 

Over the course of this period, I have issued more than six notices and initiated numerous phone calls in pursuit of resolving this aforementioned discrepancy. Regrettably, the company in question has failed to offer any meaningful assistance, consistently disseminating inaccurate information concerning the status of the account. 

On XX/XX/2023, I communicated with XXXX XXXX, acting as the CEO of XXXX XXXX XXXX XXXX XXXX ( trustee ), in an effort to facilitate the updating of records. Unfortunately, my plea was met with silence. 

Recently, I received a credit alert notifying me that the account has been charged off. The deliberate nature of this action suggests a deliberate intent to cause harm and represents a breach of trust. 

My determination to pursue rightful redress is unwavering, as this situation fundamentally pertains to trust. I implore your expeditious intervention in assisting me with the resolution of this pressing matter. Your prompt attention to this issue is earnestly requested.
Product: Credit card or prepaid card

On XX/XX/2022 Comenity Bank stated that I authorized them to electronically debit my bank account to pay the {$280.00} bill I owed to my XXXX 's Credit Card Account. I do not have a XXXX 's Credit Card Account, in fact I do not have any account for Anyone to debit any funds from!!! I contacted Comenity Bank by Email concerning these two fraudulent accounts involved here and explained that I have not opened any of these accounts and told them to freeze these accounts and investigate them because these accounts are an act of identity theft and/or fraud. 
The Email I got back from XXXX XXXX with Comenity Bank pretty much stated that they are not freezing these accounts or closing them or investigating anything even after they have been reported!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Report number XXXX I am filing this complaint because Experian has ignored my request to be provided with the documents that their company has on file that was used to verify the accounts I disputed. Being that it has been 60+ days, far beyond the 30 days permissible by law and they can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " promptly delete all information which can not be verified '' that I have made a request of them to investigate. Please resolve this matter as soon as possible. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reaching out because I am at a complete loss right now. I am attempting to get a mortgage and my credit reports show I have XXXX missed payments to my student loans. When I investigated this further it shows I have XXXX missed payments from XX/XX/XXXX and XXXX missed payments from XX/XX/XXXX. I disputed this with the credit agencies and they came back and stated that they verified the information and they can not remove it. I then requested my student loan status history. For all XXXX of the reported missed payments I was in economic hardship deferment. I was in deferment XX/XX/XXXX to XX/XX/XXXX and also XX/XX/XXXX until XX/XX/XXXX. The missed payments being reported fall within these times of deferment. I wrote a letter and attached supporting information to XXXX and they wrote a letter back stating that I am still responsible for the missed payment and they can not retract the negative mark from my credit. I have been so stressed out about this! It does not seem fair that while I was in economic hardship deferment they can " kick me while I'm down ''. I then called XXXX XXXX reporting line on XX/XX/XXXX right before I wrote this email and while the guy I spoke with understood and agreed with what I was saying the only advice he could offer me was to write a letter to XXXX. I explained that I did that already and he stated there was nothing he could do. 

I am hoping that you can help me get this resolved or point me in the right direction. I am a single mother and have two small kids and I really just want to provide a house, a place they can grow up, and I am being haunted by missed payments that should never have been reported in the first place.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATION/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has 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 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: Credit card or prepaid card

Please refer to our prior complaint # XXXX submitted XX/XX/22. 

On XX/XX/22, BOA issued a bill for our credit card account which includes a {$31.00} interest charge on the spurious {$1600.00} " ACH PAYMENT REFUND '' XX/XX/22 charge previously recorded on our account ( the subject of our prior complaint referenced above ). We first contacted BOA on XX/XX/22 to inform them that XX/XX/22 item is spurious and vigorously disputed, and we have emphatically reaffirmed that in numerous subsequent communications to BOA representatives- including BOA 's chief XXXX and other senior management - both before and after XX/XX/22.
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained my Equifax Credit Report in response to my request via XXXX  to order to review it for accuracy. I received my report which was assigned " Confirmation # XXXX ; dated XXXX. On XX/XX/2019 I sent Equifax a letter outlining corrections ; along with utility bill for ID and supporting documentation. On XXXX checking for a status of my XXXX letter, I attempted to use Equifax website ; and it would not allow me access my account. I tried the XXXX given on their correspondence but got a warning that " SITE IS NOT SECURE ''. I then tried two different numbers and finally reached a live person. Rep stated that I had to answer security questions. These were not the normal type questions with multiple choices answers. These were like " name all banks that you ever had a loan with, including name of bank, amount of loan, payment amount. Next was name all credit cards I've ever had including company name, account number, balance and payments. I explained I have a 60 year credit ; and did he really need ever one open or closed in the past 60 years. He responded yes. I had already given him the confirmation report number and even that does not have every account I ever had. I asked for a supervision which he allegedly transferred me and left on hold. Finally I hung up. there was no call back although the rep asked for a call back number. 

On XXXX I received a response dated XXXX ( why couldn't the live agent tell me that a response was sent?? ). New report confirmation number is XXXX. 

1 ) They show my PO Box but not my physical address ( the other 2 CRA 's show both ) 2 ) The removed one previous address as requested but did not add another previous address. 

Accounts 1 ) I requested one account to be closed and remove. It was closed but not removed 2 ) I requested 3 accounts to be removed as all 3 were closed more than 10 years from the closing date. This were not removed even though each has a comment " will automaticially be deleted ten years from the report date. '' Report date? What date?? that does not make sense. 

Biggest PROBLEM- AN ACTIVE ACCOUNT WAS CORRECT ON THE FIRST REPORT DATED XXXX. I MAKE NO REQUEST FOR ANY CHANGES. IT WAS NOT MENTIONED IN MY LETTER XXXX. 
B UT EQUIFAX MADE A CHANGE UNDER ADDITIONAL INFORMATION : " A TEMPORARY UPDATE FREEZE ON FILE. THERE IS NO EXPLANATION AS TO WHY.. I CALLED THE COMPANY. EVERYTHING IS CURRENT AND IN GOOD STANDING.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried reaching out to this bureau several times about accounts that do not belong to me! this information is fraudulent and i want it investigated and removed from my credit report!
Product: Payday loan, title loan, or personal loan

{$120.00} was deducted on XX/XX/19 after I sent a revocation of automatic ACH debits, check debits and debit card payments. The receipt of the revocation was acknowledged by XXXX prior to them taking the money out of my account.
Product: Debt collection

My paycheck from XX/XX/XXXX had a garnishment of {$82.00} from a collection agency. The name of the collection agency is : Coast Professionals Inc. I was never informed in writing that my wages were going to be garnished. I was never informed that I could dispute the claim. This was a student loan for a online program that I signed up for in XXXX of XXXX. I never finished the class. It was a XXXX XXXX loan but was transferred to Coast Professionals.
Product: Money transfer, virtual currency, or money service

am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate 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 dispute resolution proce 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 22 financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

Hi : Good afternoon. My name is XXXX XXXX and I am writing in reference to an issue of a returned check on my Wellsfargo account. I have been a customer of Wellsfargo since 1998. 

I wrote a check to " XXXX XXXX '' for {$55.00} and this check was presented twice to Wellsfargo and on both occasions, the check was returned to the merchant without any negative balance ( - {$55.00} ) showing on my account. Prior to this, I was notified by Wellsfargo about a new policy that gives customers XXXX hours to deposit funds in their account before checks are returned to the merchant. This new policy from Wellsfargo is a great idea but I just discovered in my instance today, that this policy is dependent on whether they feel like paying the check or not. 

I just called the Wellsfargo customer service number and this is what I was told. I initially I spoke to XXXX, and then had this escalated to XXXX XXXX. Her reasoning did not make sense since this to me is a clear case of " bait and switch ''. I was then referred to XXXX XXXX at the Executive office and I decided to write to you. The assigned complaint # XXXX was given to me by XXXX. The case # XXXX was assigned to me by XXXX at the executive office. I now have to drive to XXXX XXXX and take care of this in addition to paying for their returned check fee and the embarrasment of this issue. 


Why would a bank institute such a great policy but then decide on a whim when they will follow through on this new policy. It's either they practice this policy or don't do it. I can be reached via email at XXXX. 


Sincerely, XXXX XXXX
Product: Debt collection

Sent notice to debt collection company asking to validate debt was mine and an agreement with my signature authorizing the release of my personal information to their company, as well as a cease and desist on all communication and collection attempts/activity moving forward. Company failed to vaildate this debt, provide the information requested, as well as remove the account from my credit report with the all 3 bureaus.
Product: Debt collection

I was served a summons about a debt that I do not remember taking out. the original loan was if XXXX. 
the original loan was for XXXX. The paperwork that i got says that it should have been pais off in 2018. I fill that someone took this ioan out in my mane.
Product: Credit reporting, credit repair services, or other personal consumer reports

ChexSystem Consumer ID : XXXX My Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, NJ XXXX Chexsystem have been reporting very low score on my name. 
I have been denied bank account opening with few credit unions due to wrong reporting by ChexSystem. 

Following is Facts on my account. 
1. I never have checks return due to insufficient funds. 
2. I was never late on payment or credit card or Loans 3. Almost all accounts I have opened or try to open is saving or Certificate of Deposit Accounts Due to ChexSystem Error or wrong reporting I was not able to open accounts with many credit union and lost opportunity to earn interest. 

I personally believe either ChexSystem has wrong information on my name or whole Reporting System in unfair and deceptive. It should be corrected as soon as possible and also correct system so in future person like me can not be victims of wrong or incorrect reporting by chexsystem
Product: Debt collection

I'm disappointed by your claims & am rejecting them on the basis that you lack any material facts to support your claim... Please DISPUTE THESE ACCOUNTS! Or I will be seeking a legal remedy from you. Frustration, distress, annoyance, and outright anger. These emotions stem from the painstakingly slow response and the repeated denial of my identity theft claim by your bureau. Let 's be clear ; this situation is nothing short of a nightmare. I've been grappling with unauthorized accounts and transactions, and the toll it has taken on my financial well-being and peace of mind is immeasurable. The emotional rollercoaster I've endured is beyond distressing. 
XXXX XXXX XXXX FRAUD, PLEASE DELETE!!!! 
If my appeals for prompt action continue to fall on deaf ears, rest assured that I am prepared to take legal action to ensure justice prevails. I won't hesitate to involve an attorney to hold your bureau accountable for the repeated denials, the harm to my reputation, and the emotional turmoil this ordeal has inflicted upon me. I expect a written acknowledgment of this dispute letter and a clear commitment to investigate my identity theft claim promptly. My emotions may be running high, but my determination to resolve this matter is even stronger.
Product: Credit reporting or other personal consumer reports

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). If you do not verify these accounts, I will bring legal action against you. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Subject : XXXX XXXX XXXX XXXX : sent to collections without notice, written or telephone ( received XXXX voice messages or emails ) Incorrectly sent my account to collections. We moved from the property in question in XXXX of 2023, returned our modem, and service was cancelled - or so we thought. My credit report was dinged XXXX points because XXXX sent the account to collections, after we returned the modem and services were NOT being used.
Product: Credit reporting, credit repair services, or other personal consumer reports

LVNV is reporting that this account was opened XX/XX/XXXX, when in fact, it was opened around XX/XX/XXXX when we had our dogs in the Vet ER due to a botched spade. It has greatly reduced my credit score as it appears as a new account since they decided to report it XX/XX/XXXX. This information scheduled to remain until XX/XX/XXXX where it will exceed the FCRA limitation. I wish to have this information corrected with the correct date the account was opened, not the date they decided to report.
Product: Credit card or prepaid card

On XX/XX/XXXX, somehow my Cashapp account was compromised. Information was changed and different banking information was uploaded to my account. Not sure how, since my personal information is necessary to update anything. I informed Cashapp of two fraudelent transactions, one of XXXX, and one of XXXX, made from a NJ location, I live in GA. After some investigation, Cashapp did refund the funds from one of the fraudelent transactions, but denied the other, larger amount. These transactions were both reported as fraud, both done at the same time, and by the same source located in NJ, as per the information on Casapp, so why would only one transaction be returned, and not the other? My XXXX account was also compromised, with fraudelent charges made using my Cashapp card information, and once informed, and after XXXX investigated, and noticed suspicious activity, XXXX refunded the funds. I have had my Cashapp account for years, and have not encountered any issues like this before. I would have expected some integrity in the handling of this matter. I do not believe I am getting that from Cashapp. I have since removed Cashapp. I currently keep the app for updates on my dispute, and once refunded, to cash out the funds, and completely close it out. I would not be using the app anymore once this matter is resolved.