23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

We deposited a cashiers check from our couch buyer ( Scammer ) for the amount of {$3200.00} to a Chase Bank Branch in XXXX CA, teller accepted the cashiers check. The following day I checked my bank account and the check is still on hold but chase issued temporary available amount from the check of {$3200.00}. Next day, scammer told me that he changed his mind because family member got to an accident and wants me to send the money back to him through " XXXX '' from my bank account. I send the said amount to buyer. The next day, the cashiers check bounced and I got my checking account into a negative/insufficient funds. I called chase and talk to a manager and manger told me that the cashiers check is fake, I told the manager how come chase branch did not check if the cashiers check is fake or not and even the bank cleared it. Then manager answered nothing she can do about it and she said as of now you owed us {$3200.00}. They don't want to return the money even if its a bank error. I even asked the manager to take out the negative status on my account but manager said nothing they can do because i authorized the transaction. But I don't know that the check is fake because chase bank branch accepted it and the funds is available on my account to use. So its really not my fault to have my checking account to a negative balance. Please see attached cashiers check and receipt of the deposit from chase that shows that the check was cleared. 

Please help me solve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX  I submitted by mail a hand written dispute with documentation directly from XXXX XXXX regarding the reporting balance. XXXX XXXX provided me documents of my loan balances to submit for the dispute. My credit bureaus have fraud alerts and are frozen due to past identity theft. I requested for the bureau to either correctly update the balance information or DELETE it due to inaccurate reporting per my FCRA rights. The company continues to report the same information even though proof has been provided. They are reporting two balances, {$94000.00} and the accurate balance is {$71000.00} and another amount of {$3300.00} and the balance is {$2700.00} per the supporting documents directly from XXXX XXXX. I have as of today spoken to two representatives and to no avail any mutual understanding. They continue to insist to continue disputing even though it has been done several times before.
Product: Vehicle loan or lease

Well this my second time submitting a complaint on wells Fargo. My previous compliant id being XXXX I can not get a answer on to why they aren't reporting my vehicle loan to the credit bureaus. ( they previous just say suspended but don't give a reason ) I've even tried making a payment late and haven't received a late notice nor any form of communication on their behalf. I have called multiple times and mailed two letters as I were asked to. They had a generic answer with vague detail to my previous complaint. As I have been attempting to open up my own business and have applied to some business loans I want my payments to show on my car. I have been in procession of the car with the loan for 13 months and have nothing to show. Wells Fargo is causing my fiscal harm and won't confess to it. They said they would post the delinquent payments but chose to suppress the prior positive payments. It took me reaching out to the XXXX for them to even make a decision. Wells Fargo is screwing people over on the credit score and causing me fiscal harm. This is unacceptable business practice.
Product: Mortgage

We came out of forbearance with Freedom Mortgage and signed a new loan agreement in XXXX of XXXX. In XXXX of XXXX I went to make my first payment and noticed that the payment amount was not what was signed in the contract. I reached out to the mortgage company and was told that it was just the system updating to make my payment that was in the contract and it would update in the system. I mailed in my payment for XXXX. XXXX XXXX of XXXX I went online to make my payment and noticed it showing I was behind a payment for XXXX and was still showing the incorrect amount of XXXX. I called and spoke to someone who stated they held my XXXX payment in suspense because we had an escrow shortage in XXXX of XXXX. When I explained to the lady that we just came out of forbearance in XXXX and that the shortage should have been figured into our new payment amount I was informed not to make a payment until I got a new statement with the corrected payment amount. I never heard back from them called again two weeks later and was transferred multiple times and finally was told we were right and our payments should be XXXX per our signed contract. They said they were escalating our loan to be fixed again never asked for a payment and still had one payment held in suspense. We get into XXXX and called multiple times that month and were told the same thing they were escalating our loan they back office was busy and that our payment amount should be fixed. At this point we couldnt make payments over the system because it was showing we were delinquent for two months while they held a payment. In XXXX we got a letter stating they could take our home if we didnt pay XXXX dollars by XXXX. When we have been calling and trying to get this figured out since XXXX. Its now been reported on our credit, we have two payments sitting in suspense and still have not gotten our payments fixed in the system to the right amount. We called the second to last week in XXXX and asked for our phone records for all phone conversations the month of XXXX be pulled to prove we have been calling and were told not to make a payment until they updated our payment amounts. We have still not heard anything yet.
Product: Credit card or prepaid card

I used my Discover Credit Card to purchase an engine from XXXX XXXX XXXX XXXX, of XXXX, FL, in XX/XX/2021. It never arrived and we never received it. I called the company and they sent me an emailed account form that says Discover voided the sale. I submitted proof to Discover of this document. They, without any explanation, refuse to defend that it was paid to the merchant because either Discover or the XXXX XXXX XXXX is committing fraud. Discover is supposed to protect me from the fraud either way. They dont want to make it right. I have filed multiple disputes and sent correlating documents many times and made many calls to Discover to no avail. They even refuse to respond to the voided sale document to defend if they paid in my behalf, as it would be an admission that a conflict exists that needs rectified. They have the copy of documents and continue to send me denial letters without any defense at all. I am seeking legal counsel. Discover was paid by me in good faith the full amount of {$1200.00}, as they billed me for it. 
I should be reimbursed by Discover and if they actually paid XXXX XXXX XXXX XXXX, they should seek reimbursement. If they didnt pay XXXX they need to reimburse me either way. Once legal fees come in, I will seek other damages. 
I want every regulator/ agency involved that this falls beneath their scope of authority.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am asking for your help to resolve an issue I have that involves 2 different companies, LVNV Funding out of XXXX XXXX and XXXX XXXX XXXX out of XXXX XXXX, CA. 

In XXXX, I enrolled a delinquent credit card account I had with XXXX   XXXX XXXX into XXXX XXXX XXXX ( XXXX ) debt reduction program. That account was subsequently sold to LVNV Funding soon thereafter. 

Through negotiation on my behalf by XXXX, the account was settled and for 32 months payments were made to LVNV, ending in XX/XX/XXXX when the account was seemingly paid off. 

I continue to receive letters from LVNV Funding, their account management branch Resurgent Capital Services, and a law firm they have hired, XXXX XXXX XXXX XXXX, in my home state of Colorado. They say I owe {$7900.00} on this account. Every single bit of documentation I have shows that the account was settled and fully paid off, and I have provided the documentation to LVNV Funding. Yet LVNV continues to pursue me. XXXX provides very little help in the matter now. When I have talked to them, it seems like they are aware that some kind of mistake or error was made that they're not admitting to. This is just a feeling on my part. I have no evidence. 

I am now a XXXX XXXX XXXX XXXX XXXX veteran with 20 years service. I am also XXXX from the XXXX XXXX, Colorado XXXX XXXX   XXXX with 17+ years service with them. My only income is Social Security and my XXXX veterans retirement pay. I have had 2 stress related XXXX XXXX since XXXX, and this situation is only adding more stress. 

My fear is that LVNV Funding is going to file suit against me, and with the bills I have hiring a lawyer, let alone paying the amount they're asking for if I lost, would be virtually impossible. 

Thank you for any help you can provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX  Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX  Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items 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 items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. I'm looking forward that the disputed items will be updated immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, and this matter has affected me tremendously emotionally, financially and mentally. I have not been able to get a promotion on my job due to the improper use and reporting on my credit report. I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. and they've violated my rights numerous of times. I demand the accounts listed below to be removed from my credit report immediately.

Being that according to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. I hope this matter is taken care of before I seek legal counsel. Thank you. 

Account # XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX
Product: Credit reporting or other personal consumer reports

**Please disregard the original complaint # XXXX as there was a mistype in the complaint. ** This is a formal complaint against BESTBUY/CBNA, a financial institution, and XXXX, a consumer reporting agency, for multiple and egregious violations of the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 , and the Privacy Act of 1974, 5 USC 552a , as well as other relevant statutory and regulatory provisions. This complaint pertains to excessive, non-consensual inquiries into my account and inaccuracies in XXXX 's credit reports, particularly when compared to reports from XXXX and XXXX. The Fair Credit Reporting Act, 15 USC 1681 section 602 ( a ), mandates that consumer reporting agencies, like XXXX, exercise their substantial responsibilities with fairness, impartiality, and a profound respect for the consumer 's right to privacy. In this regard, the Privacy Act of 1974, 5 USC 552a, establishes safeguards for personal information held by federal agencies. BESTBUY/CBNA, as a financial institution, is obligated to respect the privacy of its customers and protect the security and confidentiality of nonpublic personal information, as articulated in 15 USC 6801 . However, my complaint revolves around the excessive, non-consensual inquiries made into my account. 15 USC 1681 section 604 ( a ) ( 2 ) clearly states that consumer reporting agencies may furnish a consumer report only " in accordance with the written instructions of the consumer to whom it relates. '' Neither BESTBUY/CBNA nor XXXX obtained my consent, let alone written consent, to furnish this information. Consequently, I formally revoke any and all consent, regardless of its form, be it verbal, non-verbal, written, implied, or conveyed by any other means, to XXXX, XXXX, XXXX, and BESTBUY/CBNA. Furthermore, my complaint extends to the inaccuracies in XXXX 's credit reports. 15 USC 1681e mandates that " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title. '' XXXX 's credit report inaccuracies, particularly concerning inquiries, violate these procedures. Specifically, XXXX 's credit report contained inquiries that were not present in the reports from XXXX and XXXX, a clear violation of the accuracy requirements under FCRA. These inaccuracies cause undue harm and confusion to consumers like me. I request that the CFPB conducts a thorough investigation into this matter, emphasizing the excessive violations of privacy and the inaccuracies in XXXX 's reports. I further request that appropriate actions be taken to rectify these infringements, and that XXXX is held accountable for its failure to maintain reasonable procedures.
Product: Vehicle loan or lease

From 2018 through the end of the loan they started reporting me late when I was paying on the payment date. Also I called them about that several times and they didnt fix the issue, the company is horrible right now they have lawsuits against them. Due to the fact of fraudulent information on the customers who is currently with them, and as myself for people who have paid out their accounts. Almost every month they were reporting my account delinquent and messing up my scores with the credit bureaus. The more I reached out to this company it seemed the worst it gotten. I had no clue what I was dealing with until I got involved with the company. Now Im trying to move forward with my credit and cant because if this fraudulent reporting. Can you please help me with this situation, the name of the company is Credit Acceptance. My car note was XXXX a month, they added so much late fees during the coarse of the loan until I almost paying another car payment just dealing with late fees. They truly got over on me.
Product: Payday loan, title loan, or personal loan

After my initial payment for a XXXX month loan an XXXX withdrawal for an XXXX months balance was initiated for the XXXX payment leaving a balance of {$28.00}. Upon calling Lendumo I was informed an online request was made to change my password and request the payment. This was stopped and Lendumo could not tell me the XXXX  address and I must receive a phone text with access code to access the account. I would like the FTC to investigate these practices.
Product: Credit card

It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unfortunately in XX/XX/XXXX, XX/XX/XXXX through XX/XX/XXXX, and also XXXX andXX/XX/XXXXmonthly payments were not submitted on time. It was an exceptionally busy time in my life as I was balancing a divorce, school and in between jobs. My ex-wife was the primary driver of the vehicle and I was unaware of the late payments she continuously made towards this account. I recently received the car back in my possession and paid the account off in full satisfying all past due payments and fees, before I was required to. I no longer associate with the person that let this payment obligation go unattended to and I fully respect my obligations with XXXX XXXX XXXX. I paid the car off in full to amend my relationship with you so that I could regain trust as I begin my climb to fix my credit and relationship with XXXX XXXX. The total amount paid to satisfy the account in full was {$8500.00} between the days of XX/XX/XXXX & XXXX of the year XXXX. 

It has come to my attention that because of these late payments with XXXX XXXX XXXX I'm being rejected for careers in my field as well as hindering me from purchasing a home. As you may know, FICO scores are being used more and more in the selection of applicants. In light of my renewed focus, demonstrated commitment to rebuilding trust with your company and no longer associating with the person who caused these late payments, I'm requesting that you please give me a second chance at a positive credit rating by revising the late payments that are reporting with XXXX  and XXXX. I sincerely hope that XXXX XXXX XXXX believes in their customers and I humbly request your consideration to allow me to pursue the career of my dreams as well as providing a home for my family to call our own. I appreciate your time and look forward to receiving a favorable decision from your department soon. 

Regards, XXXX XXXX XXXX
Product: Debt collection

Despite my formal request for a cease-and-desist to prevent further contact, your company has continued to call me daily, multiple times per day, which I believe constitutes harassment. A rep called me on XX/XX/year> ( XXXX ) & I asked that rep to cease and desist from calling me. She said okay and disconnected. I have received a calls everyday since and multiple voicemails. Today A rep called and I answered and told him the same thing for the second time. I have the calls, and voicemails as proof. As you are well aware, under the FDCPA, debt collectors are prohibited from engaging in abusive or harassing behavior, including frequent phone calls after a cease-and-desist request is made. Your actions in this regard are a direct violation of my rights under this law. As well as false advertising
Product: Debt collection

I am a creditor with several financial institutions where I can no longer afford to pay. I have a serious medical condition that causes me to lose work, and in some cases hospitalization is required. Accordingly, I have no choice but to cease monthly payments with these creditors that I am submitting my issues through the Consumer Financial Protection Bureau. I request a cease and desist on all telephone communications, and request any communications by mail only. I can submit medical proof of my condition if a settlement is offered. I am looking into filing a XXXX XXXX  bankruptcy. Please cease all communications with any of my accounts. Thank you. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Equifax for failing to properly investigate a fraudulent account on my credit report, despite providing them with all required documentation, including an identity theft report. 

I have repeatedly disputed the fraudulent XXXX XXXX account ending in XXXX, which is not mine and was opened as a result of identity theft. As required by law, I provided Equifax with the following documentation : 1.identity theft affidavit documenting the fraud.

2. Other supporting evidence proving that I did not authorize or open this account. 

Despite this, Equifax has failed to conduct a proper investigation. Instead, they have simply stated that they verified the account with XXXX XXXX and have refused to remove it. They have sent me the same generic response multiple times, labeling my dispute as frivolous without addressing the evidence I submitted.Under the Fair Credit Reporting Act ( FCRA ), Equifax is obligated to : Conduct a reasonable investigation of disputes, especially when evidence of identity theft is presented. 
Remove fraudulent accounts when sufficient documentation is provided. 

Equifaxs actions violate these legal obligations. Their reliance on XXXX XXXX claim of accuracy without properly investigating the evidence I submitted demonstrates a lack of compliance with the FCRA. 

Additionally, the most recent letter from Equifax ( attached to this complaint ) dismisses my dispute as frivolous and fails to acknowledge the identity theft report and other supporting evidence I provided. This demonstrates their unwillingness to fulfill their duties as a credit reporting agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I sent out letters to the credit agencies to try to fix my report and nothing was changed. I sent verification as well.
Product: Debt collection

XX/XX/2016 {$0.00} XX/XX/2016 {$0.00} These accounts has been paid in full, I have reached out to the creditor in regards to this matter. A deletion was offered, These acounts were never deleted
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in processing disputes on my credit report to delete an remove all inaccurate information with experian. this has been an ongoing issue that needs to be resolved. it has been multiple times ive addressed this issue an nothing has changed. these has caused alot of denials an information needs to be deleted an verified correctly. please delete an remove the requested information submitted asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

Student loans are showing up as Delinquent. I am a 100 % combat related XXXX veteran and my student loans were discharged in accordance with the law. The credit reporting agencies are still reporting negative and open loans.