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

On XX/XX/2021 i was informed to contact this company while trying to purchase a new car. The agent who took my call stated i had an outstanding credit balance of {$10000.00} after accessing my account. I then asked the agent whos id number is # XXXX to verify the creditor to who the debt was owed on file she could not tell me who the original creditor was. I then asked for a superior of hers to address the issue. XXXX id # XXXX then took a look at the file and told me that she could not tell me who was the original creditor either. They both stated that the alleged debt was assigned to them eliminating the possibility of them being creditors as defined under Title 15 1692a ( 4 ). I have now requested a verification of the alleged debt. In addition the account balance itself is a violation of Title 15 U.S.C. 1666d treatment of credit balances and should be handled according to the federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Purchased a new Kia from Kia Motor finance XX/XX/XXXX and 5 months later it was totaled by another driver that hit me in XX/XX/XXXX. I was making my monthly payments that Kia was slow to report on my credit report at first. When the car was totaled, the other insurance company made a pay off in XX/XX/XXXX which did not settle the balance. I had to do a dispute to show the reduced balance since Kia was still showing the full amount due. The dispute was done XX/XX/XXXX and completed XX/XX/XXXX. In XX/XX/XXXX Kia started calling me to make payments when I told them it was in a law suit and would be settled. I finally made 2 payments of {$400.00} on XX/XX/XXXX and XX/XX/XXXX. Kia never reported those payments. I received my settlement in XX/XX/XXXX and Kia accepted a reduced offer of {$2200.00} for the balance on XX/XX/XXXX. I had to call about 20 times till I finally got my pay off letter on XX/XX/XXXX. I started another dispute since the 2 payments were not showing up and finally on XX/XX/XXXX my reports were updated but had the wrong information. It showed account was open and there was a balance. It is taking me so long waiting the 30 days for a dispute so I have turned to you to see if I can get results in a more timely matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX the Accounts below, have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment XXXX XXXX XXXX Late Payment XXXX XXXX XXXX XXXX Late Payment XXXX XXXXXXXX XXXX Late Payment XXXX XXXX XXXX XXXX Late Payment XXXX XXXX XXXX Late Payment XXXX  XXXX XXXX Late Payment XXXX XXXX  XXXX Late Payment XXXXXXXX XXXX Late Payment
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified account listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX XXXX XXXX XXXX Balance : {$720.00}
Product: Credit reporting or other personal consumer reports

Despite my persistent efforts, this agency has failed to properly investigate and correct this error. The inaccurate information has had a significant adverse impact on my creditworthiness, leading to negative consequences, such as being denied credit, facing higher interest rates, and unable to secure housing due to this negligence. This matter has been brought to this company 's attention over the past several months. I have sent in over XXXX different letters starting from XX/XX/XXXX up until the present day making this company aware of this inaccurate reporting. I read somewhere that I am entitled to a fair and accurate credit report. Now, I am no lawyer but I have done a little research, and it appears that based on the Fair and Accurate Transactions Act that violations are done when organizations fail to comply with its requirements. In fact, based on what I read, section XXXX explains that violations tend to occur after a consumer bring the inaccuracy to the agency, such as Experian, XXXX, and XXXX attention but they fail to correct the inaccuracies after receiving a dispute from the actual consumer. Well, this matter has been brought to Experian attention on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and just recently XX/XX/XXXX Now, once again, I am definitely no lawyer, but I do have common sense. I have sent this agency letter after letter making them aware of this inaccurate reporting. None of the bureaus have the same information. So, how can information be accurate if the same account that is being reported is being reported with different information. Once bureau is reporting an open account while the other is reporting a close account. One bureau is reporting a 120 days late while the other bureau is reporting a collection/charge off for the same account. Does this sound like accurate reporting to you? 

I am requesting that the following accounts are deleted immediately due to inaccurate reporting and due to the violations that the credit bureaus has participated in by neglecting to correct the information. 

XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX
Product: Debt collection

I had a debt of {$830.00} owed to XXXX XXXX XXXX. On XX/XX/2016 I made a payment of XXXX over the phone to a man named XXXX. It cleared my account. ( # XXXX Seq. # XXXX ) with my debt card. I received a bill for the balance in XXXX and sent a check for the balance of XXXX well be fore the end of the month. I noticed credit monitoring activity. It showed that The affiliated group have a Collection against me for the whole amount of {$830.00}. I have noticed that the XXXX check has not yet been cashed and XXXX will not tell me if they received it. I want to pay the XXXX to whomever but want to be sure that I do not have to pay the Collection agency the amount I paid XXXX on XX/XX/2016. I have a bank statement showing I Paid them over the phone the XX/XX/XXXX {$270.00} of the {$830.00} debt. I want this off my credit report a.s.a.p.
Product: Money transfer, virtual currency, or money service

[ Your Name ] [ Your Address ] [ City, State, ZIP Code ] [ Email Address ] [ Phone Number ] [ Date ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Formal Complaint - Fraudulent Transaction on Cash App Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding a fraudulent transaction that occurred on my Cash App account on XX/XX/2023, resulting in a loss of {$2500.00}. Despite my efforts to resolve this matter directly with Cash App, the issue remains unresolved, and I believe it is necessary to seek assistance from the Consumer Financial Protection Bureau to address this serious issue. 

On the aforementioned date, I discovered an unauthorized transaction on my Cash App account, where {$2500.00} was fraudulently withdrawn without my consent. Immediately upon discovering the fraudulent activity, I contacted Cash App support and reported the incident. They initiated an investigation into the matter, but the investigation has been prolonged and inconclusive, with no refund issued or satisfactory explanation provided as to how the transaction occurred or who may be responsible. 

I have diligently followed all the necessary steps and provided all the requested information to Cash App throughout this process. Despite my efforts, the resolution has been unsatisfactory, leaving me without the reimbursement I am entitled to and without any clarity on the cause of the transaction. I have attached relevant documentation to support my complaint, including copies of transaction records, communication with Cash App support, and any other pertinent evidence that showcases the urgency of this matter.

I am seeking your assistance in resolving this issue and ensuring that appropriate action is taken against Cash App to rectify the fraudulent transaction and prevent such incidents from occurring in the future. I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take necessary action to protect consumers ' interests and rights. 

I am available to provide any additional information or documentation that may be required during the course of this investigation. I would also appreciate receiving updates on the progress of my complaint and any steps taken by the Consumer Financial Protection Bureau to address this issue. 

I genuinely believe that the involvement of the Consumer Financial Protection Bureau is crucial in this case to safeguard consumers and hold financial service providers accountable for their actions. I appreciate your attention to this matter and look forward to a swift resolution. 

For reference, the case # is : XXXX
Product: Credit reporting or other personal consumer reports

I sent a letter to remove 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 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4800.00} XXXX XXXX Balance : {$8000.00} XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXXXXXX Balance : {$4900.00} XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX Balance : {$7300.00} XXXX XXXXXXXX Balance : {$4800.00} XXXX XXXX Balance : {$0.00} CITI XXXX Balance : {$3000.00} XXXX  XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX AT XXXX ) XXXX Balance : {$6000.00}
Product: Credit card or prepaid card

Citi would not cancel the Payment Safeguard fee that I asked them to cancel. They insisted it " protects my payments. '' I still asked that they cancel it. I called on XXXX XX/XX/2023 at XXXX. I wanted to know why I was being charged XXXX cents on a XXXX balance. 

I similarly called a few years ago and was told the same, and then hung up on. 

I found your site and am hoping I can be refunded all the fees Citi has charged me over the years.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 

XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX
Product: Vehicle loan or lease

Good Day : My XXXX XXXX was totaled in XX/XX/XXXX due other Driver hit me from behind. I submitted a GAP Insurance with XXXX  through Regional Acceptance in which the GAP did not cover the remaining of loan balance due they do not cover back payments but I was not aware of this upon purchasing the car with Regional Acceptance. 

As a 100 % Total & Permanent XXXX Veteran, now I am responsible for the remaining balance of {$6900.00}. I had to purchase another car due to my XXXX which is a financial hardship on me with a fixed monthly income. Moreover, Regional Acceptance or XXXX offers exception due to financial hardship even when vehicle was deemed Total by the other Drivers insurance. 

This should not be that Consumers are responsible for remaining payments when GAP insurance denied claim due to back payments.

That said, please review and if possible assist for new policy for GAP Insurance to cover back payments when car is officially deemed total to relieve financial hardship on consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Whom it my Concern, I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA-you are required to promptly DELETE all information that is inaccurate, Incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C 16811, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 
I am now enacting my consumer and Civil Rights to compel you to annul with permanent Deletion of these derogatory accounts or provide testimony and certification that you are adhering to mandated XXXX XXXX data formatted reporting standards according to regulations. 
The following derogatory account accounts allegations are either UNTRUE, UNVERIFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be remove immediately. Do so TODAY, even right NOW! The obvious infractions are as follow : XXXX XXXX and Account as is reported on my credit report : XXXX XXXX XXXX XXXX Account- XXXX Comment : inaccurate, DATE OPEN, on my XXXX and Experian report NOT ACCURATE ACCORDING TO XXXX XXXX Guide Lines
Product: Credit reporting, credit repair services, or other personal consumer reports

I have carefully reviewed my credit report in Equifax. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these account be corrected immediately or I will file for litigation. 

XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXXXXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX I sent a letter regarding inaccurate XXXX payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

XXXX XXXX ( XXXX ) XX/XX/year> XXXX XXXX  ( XXXX ) XX/XX/year> As per 15 U.S.C.1681n, your communication infringes upon my rights and is unlawful. Kindly take action to remove this inquiry from my credit report promptly. Thank you.
Product: Student loan

I took out student loans in XX/XX/XXXX through XXXX at the time. I had paid off all my loans by XX/XX/XXXX. Unfortunately I dont have documentation because in the process my loans were transferred to MOHELA. In XX/XX/XXXX I started receiving calls and bills from MOHELA stating I owe around {$2000.00}. When speaking with them on the phone for over an hour the only payment history they could provide me with was a reimbursement date of XX/XX/XXXX. I refuse to pay this loan when I was never notified I had loans & 3.5 years went by without contacting me as well as having absolutely no payment history.
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 dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fun 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

I called ( XXXX ) XXXX to request my XXXX free annual credit report from TransUnion. Today I received a letter that states that " the current mailing address you provided is not listed in our records '' and for that reason I would have to submit XXXX forms of verification of my current address. I am complaining because the last XXXX credit reports that I received from TransUnion were sent to me at my current address, and they DID include my current mailing address in the address history. I 've been at my current address for seven years and I have never requested that my current address removed. TransUnion 's record keeping is shoddy at best.
Product: Credit card or prepaid card

I applied for the American Express Gold Delta Skymiles card on XX/XX/XXXX. The offer was to earn XXXX Bonus Miles after spending {$3000.00} in purchases within the first four months. 

I spent on the card well over {$3000.00} in the first month after receiving the card. I did not receive the XXXX Bonus Miles in the first statement from Amex. I called on XX/XX/XXXX and I was assured by Amex rep that the XXXX Bonus Miles will appear in the next billing statement ( please refer to phone recording ). Of course that did not happen. 

I called again Amex on XX/XX/XXXX and spoke with XXXX ( or XXXX ) who opened a case file # XXXX and was told to wait six to eight weeks. I waited ... and waited and finally called back on XX/XX/XXXX ( after about FOURTEEN weeks ) to inquire about the missing XXXX Bonus Sky Miles again. It was obvious from the initial rep that I was to be given the runaround again with the mantra " I placed a note in your file to look into this ''. I asked to speak to a supervisor. I spoke to XXXX ID:XXXX and became obvious to me that he wanted to get rid of me and even told me FALSE information that they had nothing to do with this as XXXX XXXX is responsible to give the miles ... which is absurd, if not laughable. Of course XXXX 's supervisor was busy. Again, I was told that someone will look into it ... .Fourteen weeks is not enough? 

If this is not bait and switch I don't know what is. 

If not resolved, my next step is to write my Congressman, file a small claims court case and write to the American Express CEO. 

Thank you for any assistance you could provide in this matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I signed up XXXX 2017 with XXXX XXXX, XXXX XXXX, XXXX XXXX, tx for a monthly membership of {$8.00}. ABC Financial Inc is the monthly deducting company. 
XXXX XXXX XXXX, XXXX, AR XXXX Back in XX/XX/XXXX I informed them that I have been relocated overseas and I would like to cancel my membership. The clerk at the front desk said it will be cancelled. For two months ABC Financial Services was debiting my account for the fees. I called again and spoke with both the fitness club and ABC financial Services. ABC financial said they needed documentation to confirm my move. So I provided them with Government issued Visa and residency card as proof of the move.
Yesterday I received an email stating that it was not suffice and they needed a one way ticket.  I did n't keep the ticket. 

I have done what the ABC rep told me to do and ABC continues to charge me the monthly fee and late fee and service fee. Now totally {$39.00} a month. I have provided everything they need to cancel this membership and they a purposely delaying the cancellation to charge additional fee. 

I really feel upon my return they will damage my credit. 

Please help me resolve this matter. 

Thank you XXXX XXXX XXXX XXXX XXXXXXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXXXXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right of 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.