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

Hi there, At the moment to signed the lease with XXXX XXXX  City by XX/XX/XXXX - I wanted to make sure there was not hidden fees, reason for which I asked about the other charges for the amount of XXXX $ that appear in the contract to the sales person who explained me that amount will be charge if vehicle shows excessive wear and tear. He explained me that they will have to reconditioned the car in order to sale the vehicle. I believe him and decided to sign the lease. Of course, I also checked online what the term Disposition fee  means. 

After I received the bill for {$380.00} I spoke with somebody at Toyota and they suggested me to write a letter to Toyota Financial which I did and sent out on XX/XX/XXXX. Today I have been contacted by them saying I have to pay that amount because that amount is a fee that they pay to transfer title to an auction? I do not know why I have to pay a fee to transfer the car to an auction dealer. 

My lease ended on XX/XX/XXXX same day I gave back the car and make sure car was completely clean, polish like they supposed to receive it in order to dont get charge that amount. My mileage was law and car was in excellent condition. I am attaching pictures and documents together.
Product: Credit reporting or other personal consumer reports

I disputed 2 accounts with Experian and XXXX and requested the accounts be removed from my account as per the fair credit act. They fixed the XXXX XXXX XXXX amount on the account only for XXXX XXXX XXXX to update the account again even though they were in violation of the FCA and NY banking laws. I disputed it again and once again Experian and XXXX didn't remove the account. XXXX XXXX XXXX also continues to violate the FCA and NY banking laws by falsely reporting on my account. 

Experian Report Number XXXX Report Number XXXX I do not have the Report numbers for XXXX but they were done at the same time. 

XXXX never responded to my dispute
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 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 process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress of these violations.
Product: Credit reporting or other personal consumer reports

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items 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 Y XXXX XXXX XXXX CT XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2022 XXXX, XXXX
Product: Debt collection

I was recently looking at the credit report that my loan officer pulled and there is a huge discrepancy being reported about this CMRE FINANCIAL SERVICES account. I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights. It is not correct to manipulate the reporting by increasing the balance they say that I owed even though they havent shown documentation. I directly contacted them countless times but I did not hear anything from them. Based on the report that was generated the original balance is {$1700.00} but as of this writing, it is now reported to be {$3000.00}. As far as I know, I never agree to any terms and conditions for this reporting nor I did not agree to any interest that will be assessed on this account. They are hurting me financially and this is a really big issue. To my understanding, they must be compliant with laws and regulations. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and altering my true creditworthiness. Im escalating this matter to your office to have this matter resolved in the right manner. I believe that you can correct this error as Consumer Financial Protection Bureau is not tolerating such incorrect reporting that damages consumers rights.
Product: Debt collection

None of the options related to my situation but it is an illegal communication tactic that I wish to report. 
I am reporting an abusive, deceptive, and unfair debt collection tactic practiced by XXXX XXXX. According to what I have read and understand under The Fair Debt Collection Practices Act Debt Collectors can not contact you through your work email. On XX/XX/2018 this is what I received in my Real Estate work email. See below. I feel this to be deceptive and harassment.

From : XXXX XXXX XXXX Email : XXXX Home Phone : XXXX-XXXX-XXXX BuyerSeller Just Looking Doesn't want mortgage pre-approval Not working with an agent About This Contact Interested In : All Types 0 bd, 0 baths Contact Profile : BuyerSeller Just Looking Doesn't need mortgage pre-approval Not working with an agent
Product: Checking or savings account

I was locked out of my Capital One accounts and my money was frozen and not accessible to me. I callled to verify my account information and try to get clarification on why this happened. When I called the wait was about 10 minutes, I spoke to a representative and they asked me a host of questions, including how many devices do you use, how do you log into your account etc. I had to upload my State ID to verify my identity, after that they asked me if I recently forgot my password or log in. I responded no, I did not. That I changed my password because it was found in a data leak. A few minutes later the representative stated based on the information they gathered, they couldnt have me as a customer anymore and after an investigation is completed I will be contacted about when my funds will be released to me in a check through the mail. No time table was given, no follow up information was given. I told the representative that I needed access to my checking account balance and couldnt wait for this decision, for medical bills for XXXX treatments and rent, I asked is there anyway I can transfer the money or take it out somewhere. They stated that the final decision was made to end the relationship, then they stated that a final decision would be made soon, again no timetable. I asked if I can speak to someone above them about the matter, first he stated yes then said no there wasnt. I asked multiple times if I can speak to anyone else about this, he stated no. My accounts were then blocked from me, denying me access to my funds and balance, until some unknown time or date in the future. I feel confident that I proved my identity and followed all the necessary steps to be allowed access to my funds.
Product: Debt collection

This collection not coming from a credit card company but a collection agency which has sent collection letters for a debt that is not mine and has now taken it to court. 

It does not match with any credit card I have ever had now or in the past!
Product: Credit reporting or other personal consumer reports

It has come to my attention that my personal information has been exposed in a national data breach. After reviewing my credit reports I notice some accounts I am not familiar with. I have asked the CRA 's for validation of debt, however the information has not been provided. Due to my information being exposed I have submitted an FTC complaint reporting the information I am not familiar with. 

Please find attached a copy of my ID, FTC complain, NPD report showing exposed data breach information, and debt validation letter.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Equifax for their continued failure to investigate and remove fraudulent accounts and outdated personal information from my credit report, in direct violation of the Fair Credit Reporting Act ( FCRA ). Despite multiple disputes and submission of the required documentation, Equifax has failed to take appropriate action, claiming that they have not received the necessary evidencea blatant falsehood. 

The fraudulent accounts on my credit report are the result of identity theft stemming from the Equifax data breach, which exposed my personal information to criminals. I have already submitted updated identification and documentation to Equifax multiple times, yet these inaccuracies remain unresolved. The fraudulent accounts that Equifax continues to report include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In addition to the fraudulent accounts, Equifax has failed to remove outdated and fraudulent addresses tied to these accounts, including : XXXX XXXX XXXX XXXX, 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 XXXXXXXX These addresses are not associated with me, and I have provided proof of identity theft and the data breach as well as updated identification. XXXX continued inaction perpetuates inaccuracies on my credit report, harming my creditworthiness and financial stability. 

Equifax has claimed on multiple occasions that they did not receive my documentation, despite my providing clear and verifiable evidence. This is not only a failure of compliance but also an attempt to obstruct the resolution of my disputes. Such behavior directly violates the FCRA, which mandates that credit reporting agencies : Conduct reasonable and thorough investigations of disputes within XXXX  days. 
Remove inaccurate, unverifiable, or fraudulent information promptly. 
Provide transparency and clear documentation of their investigative process. 
By failing to act, Equifax has demonstrated negligence and disregard for federal law. Their inaction has caused ongoing harm, including financial loss, emotional distress, and damage to my credit profile.
Product: Credit reporting or other personal consumer reports

My credit was used fraudulently. I have filed an Identity Theft report again, as requested by XXXX. I have submitted it to them via mail, however, they continually send me letters stating that they won't process the dispute because they don't think it's me submitting the letter along with the Identity Theft report. I am here to tell you that it is me. I am writing this correspondence because my last communications that was sent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX all went unanswered. Im sure you understand that credit bureaus are mandated to follow the Fair Credit Reporting Act and under said act, you are REQUIRED to respond to all disputes and/or requests for verification of compliant reporting within 30 days. You have FAILED to do so and are now in VIOLATION of the federally composed Fair Credit Reporting Act. Per 15 U.S. Code 1681i ( a ) : Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, 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: Credit card

I have been filing dispute with the credit card charges as the XXXX who charged me has performed a XXXX that XXXX XXXX XXXX  and they are not reaching out to me to assist with refund or assistance. instead expecting me to pay in full for the XXXX XXXX 

The credit card company keeps denying my dispute saying that the services are deemed delivered hence i need to make the payment.
Product: Credit reporting or other personal consumer reports

i am not liable for this debt, i do not have a contract with this company, according to FCRA XXXXSC 1692 ( B )
Product: Vehicle loan or lease

I am a victim of Identity theft. Please delete or remove this item on my behalf. This item is not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a late payment in XXXX which was a error on their behalf. I am always on time with my payments as you can see with my documentation. They told me they will remove it they havent still they keep giving me the round around I never had this problem with Kay Jewelers before. Not only its on XXXX also on my XXXX and XXXX. They need to get it together this is the second time Ive been trying to be convenient with them.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and discovered some billing mistakes. These late payments do not correspond with my typical payment history. Please correct these inaccuracies and update my account. Thank you!
Product: Credit reporting or other personal consumer reports

Federal courts recently have issued rulings about the use of consumer reports for the collection of an account under the Fair Credit Reporting Act ( FCRA ) Delinquent child support obligation is NOT a credit transaction. '' As a result, the courts found that collection of this account was not a valid permissible purpose to obtain or report a consumer report. 

All Credit Reports for collection of delinquent child support judgements, fines and liens may no longer be permitted. 15 U.S.C. $ 1681b ( b ) ( 1 ) ( A ) - the Certification Requirement. Please provide the following As an example, for collectors of delinquent child support debt, judgments, fines, or liens, you must have in hand : XXXX. A written authorization from the debtor to obtain a consumer report, or Some type of contractual agreement with the consumer that rises to the level of a credit transaction under law. 
Please respond to this deletion notice within XXXX  days to avoid further actions, deletion of this account will satisfy compliance. 

Account Name : Dept. of Justice OREGON CHILDSUPPORT Account Number : # XXXX Account # XXXX Account # XXXX CC : Attorney General Office, FTC , CFBP Upon removal of the above referenced items. 
Please send me a copy of an updated credit report.
Product: Money transfer, virtual currency, or money service

I have been currently using PayPal for family and friends, sending and receiving funds when hurrricanes were hitting in different states. Some use the PayPal on tap pay due to the banks being closed. However, PayPal has limited my account basically restricted to were I can not receive funds, nor I can withdraw them. They are telling me that I cant do anything until XXXX  days, which is XXXX months. I really need the funds off of my PayPal due to reasoning with friends. They are saying that I can not refund the friends. I do not want to pull from my own account when I have it on PayPal. I want to get the money off there, and they are saying theres no way around it. Is there anyway you guys can handle my claim, and I can withdraw my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

Well Fargo has closed the account do to fraudulent activity in which they investigated and provided documents that I was not responsible for those charges the charges took place in XXXX however they are still reporting late payments to the bureau! The late payments accumulate during the investigation and were payments requested from the Fraudulent charges! Those Late payments should be removed Also I was not responsible for payments made fraudulent Well Fargo letter states that I was credited back the money to my account but that account is closed so why wouldnt they credit the late fees I was a victim and the closed account is hindering my report along with these 90 days late payment reports I need it removed Immediately by Law its falsely reported I am not responsible for late fees in XXXX that accumulated from XXXX fraudulent transactions that Well Fargo credited back
Product: Credit reporting, credit repair services, or other personal consumer reports

Debt originally owned by XXXXXXXX XXXX was collected by Portfolio Recovery. Portfolio Recovery engaged an outside attorney firm to collect the debt. The debt has been paid in full via the attorney and Portfolio Recovery refuses to provide a letter stating it has been paid because it was paid to the attorney. They also say they have to wait until the attorney let 's them know the account has been paid and that could take 30 days. The credit reporting agency won't accept the attorney 's letter to show the debt is paid because the letter needs to come from the creditor or Portfolio Recovery. 

This is going to impact my ability to purchase a home.
Product: Credit reporting or other personal consumer reports

To Whom it concerns, It has been brought to my attention that Global Lending Services has been dishonest in there reporting of a trade line, I have disputed this trade line through each of the three Bureaus with no resolution. When speaking with Global Lending Services Directly they have refused to provide me with the reporting information related to this trade line.

The Responsibility of this trade line was joint at the time of opening, Now is showing on my now Ex-Wife 's credit as Contractually Liable as well as the reported payment history has been cut off at XXXX of XXXX, Ironically XXXX of XXXX is the exact time frame that she had departed with the vehicle to start her new life in another state. GLS also stated that they have a physical address listed on the account that would have only been able to obtain by speaking with her directly. Its is for these reason that i know that GLS has spoken with my Ex-wife and has altered there reporting of this trade line to her credit.

Through the process of our divorce this asset was ordered to be her soul responsibility and i was to be held free and clear of this debt. In XXXX of XXXX her father paid this loan off in full, since then they has sold the car.
Product: Credit reporting or other personal consumer reports

These inaccuracies have been disputed consistently for XXXX years and XXXX refusing to correct them. It is very clear that a proper reinvestigation is not taking place. It is also very clear that the CFPB is not doing it's job and ensuring the CRA 's are providing the consumer with accurate report. 
My dispute letters will be attached containing the incompleteness and inaccuracies listed on my report. These letters have also been sent to XXXX and I C Systems via certified mail. I can only assume that I will get the same response I have for the past to XXXX years so I legal proceedings will began as well. 


This is my final XXXX attempt to correct my consumer report. If you don't fix my XXXX this time, get ready to cut me a XXXX check because I'm suing your XXXX XXXX.
Product: Credit card

On XX/XX/XXXX  i used Apple Cards chat feature to ask for a payment plan to get caught up on a past due bill. They said no payment plan was available. I asked them what my minimum payment was and they told me. 
Then the agent put an unauthorized payment in for {$1000.00} from my bank account. I tried to get them to cancel it and they told me to contact my bank. They only said sorry but that is a lot to potentially lose. My bank will put a stop payment but theyll charge me to do it.
Product: Credit reporting or other personal consumer reports

I have disputed these collections multiple times and they kept ignoring my requests. So, Im filing a complaint against their company as they are not taking my credit seriously and this is affecting my creditworthiness. Again, I recently reviewed my credit report and noticed several collections. Please remove these immediately as they do not belong on my report, and they are affecting my quality of life. I am being denied because of these excessive collections and they need to be removed immediately See Attached
Product: Credit reporting or other personal consumer reports

I was trying to buy a house and I realized I had damages to my credit report. There were several inquiries that was not authorized by me. 

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 that appears on my Transunion report XXXX XX/XX/2023.
Product: Credit reporting or other personal consumer reports

Please delete all fraudulent accounts and hard inquiries off my credit file from Experian XXXX and XXXX immediately. 
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.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please update these items immediately : Original Creditor : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2024 I had wired {$200000.00} to a newly opened Coinbase account. As soon as the funds were in the account, I placed a limit order for XXXX Bitcoin. 
A few days later the order was filled. As soon as the order was filled I went to transfer the Bitcoin to a cold wallet, for security purposes. It appeared that the transfer was all set but I never saw it in my wallet. After awhile I checked email and saw that Coinbase had stopped the transfer. I made several attempts but kept getting a message that I was restricted from sending Crypto for 90 day. It stated that this was to protect. After several chats and phone calls there were no changes or reasons given. The more I pushed Coinbase to rectify the situation the more restrictions were put on my account. Coinbase has now locked up my remaining cash balance and my XXXX Bitcoin. 
I need to be able to get my funds and assets. Coinbase has essentially stolen my lifes savings and nobody is doing anything. 
I hope that you can assist in this matter. I have filed a complaint with FINRA. They referred me to SEC. SEC sent me to CFPB.
Product: Debt collection

Keep receiving text messages from TrueAccord debt collectors. I do not owe them and have no clue who they are or why they are harassing me. I know for sure that I NEVER entered into an agreement or contract with TrueAccord. I do not consent to any form of communication or collection activity from TrueAccord. This is a cease and desist demand! DO NOT COMMUNICATE WITH XXXX XXXX  is an official demand. If TrueAccord places a trade line on any of the consumer reporting agencies, they will be sued to the fullest extent of the law! Federal law prohibits fraud, false and misleading business practices.