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

I am writing to formally dispute the inaccurate information on my credit report concerning the repossession of my vehicle by Capital One. The details of the dispute are as follows : XXXX. What Happened : * Capital One repossessed my car, despite having reached a settlement agreement. According to the Consumer Credit Protection Laws, specifically 15 USC 6808, the Gramm-Leach-Bliley Act, 15 USC 1681a3, and 15 USC 1692f, the repossession appears to be unlawful. Additionally, my credit report reflects inaccurate information about the account. 
XXXX. Inaccurate Information : * Account Number : XXXX * Date Opened : Should be XX/XX/XXXX ( Reported as XX/XX/XXXX ) * Date Last Active : Should be XX/XX/XXXX ( Reported as XX/XX/XXXX ) * Date Last Payment : Should be XX/XX/XXXX ( Reported as XX/XX/XXXX ) * Last Reported : Should be XX/XX/XXXX ( Reported as XX/XX/XXXX ) High Credit : XXXX XXXX XXXX * XXXX. Actions Taken : * I have contacted Capital One to address these discrepancies and have attempted to resolve the matter directly. Despite this, the issue remains unresolved, and the incorrect information persists on my credit report. 
I would appreciate your prompt attention to this matter and look forward to a resolution that ensures my credit report accurately reflects the true status of my account. Please let me know if additional information is needed to facilitate the correction. 
Thank you for your assistance.
Product: Money transfer, virtual currency, or money service

I was scammed by someone ( XXXX ) thru Google Pay for {$50.00}. I report to Google Pay. Google Pay didn't help and told me that after reviewing my claim, Google Pay was unable to confirm fraudulent activity in this case, so no refund will be provided by Google at this time. 

Google Pay transaction ID : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

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

Bank of America wants me to pay for the loss of the unauthorized transactions made by a thief who withdrew XXXX dollars from the lobby of bank centers in New York on XX/XX/2022, while I was in Texas. Bank of America alleged I was the person in the footage although I can prove I was not present in New York. Bank of America refused to discloset the footage to me and the police officer I filed with the case.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX  Account XXXX. XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account XXXX 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 reporting, credit repair services, or other personal consumer reports

I HAVE DISPUTED WITH XXXX AND EQUIFAX OVER MY CREDIT INQUIRES THESE ARE THE ONES AS FOLLOWS XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX. I DO NOT RECOGNIZE THESE INQUIRES. XXXX AND EQUIFAX STATES THEY VERIFIED THESE INQUIRIES AND I KNOW THEY DIDN'T BECAUSE THE NUMBERS THAT ARE ASSOCIATED WITH THESE INQUIRIES ARE KNOW LONGER IN SERVICES AND THEY WILL NOT SEND VALIDATION LETTERS FOR THESE INQUIRIES.
Product: Credit reporting or other personal consumer reports

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$3100.00} ; XXXX XXXX XXXX XXXX Balance : {$3600.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXBalance : {$7700.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX.
Product: Mortgage

I received a solicitation from XXXX XXXX at Rocket Mortgage to refinance my mortgage. My current rate is very competitive and I told him I was not interested. I then received a letter in the mail indicating that my mortgage loan was denied when I never applied for any loan. I called Rocket Mortgage- and spoke with XXXX who advised that they should have advised it was withdrawn not denied. I told Rocket Mortgage that I should not have received any letters as I never applied or requested a refinance review or decision. She forwarded me to a resolution advocate, XXXX XXXX, who was very kind but did not seem to know how to fix the issue. She advised that I should not be concerned because credit reporting agencies were not notified. I told her that was the least of my concerns. I was concerned because it looks like Rocket mortgage was falsifying documents indicating that I tried to apply for a loan and was denied- which is not accurate or truthful. The " denial '' letter references a loan number but there was never any such agreement between myself and rocket mortage. XXXX advised this was not a " real '' loan number but just a way to keep track of client calls. I advised her that was a poor choice of labels and that if it says it's a loan on my letter- then it is a loan. I advised that I want a corrected letter from Rocket Mortgage indicating there was no loan application or request and that I was not denied a loan - that I did not apply for a loan. 
This sounds very similar to a situation XXXX XXXX found themselves in a few years ago where they were opening accounts on the customer 's behalf after a similar phone call. XXXX XXXX was found to be in violation, held accountable, fined and resulted in lost business for XXXX XXXX. I do not think Rocket Mortgage should be allowed to continue this practice. If a customer is contacted as part of a marketing campaign, it should not be labeled a mortgage application unless they chose to apply for the mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to report fraudulent information after I provided my FTC identity report along with proof of identity and formal letter of request to blockthe fraud items pursuant to section 605b of the FCRA. I was quickly able to resolve with XXXX and XXXX with the same information. I continue to face damages due to the reporting of the harmful information due to identity theft. This is a violation of my consumer rights to remedy identity theft. It is also Fraud Enablement to report the fraudulent accounts. I submit this complaint to document the unfair reporting of fraudulent information by Experian against me.
Product: Credit card or prepaid card

The Chase Mileage Plus Credit Card gives as part of its annual membership reward two lounge passes that can be used at XXXX XXXX XXXX to gain entry. These passes are valid for one year and each XXXX they expire. 

I have tried and failed to use them at XXXX XXXX in XXXX NJ on two separate occasions when they were not accepted by the agent at the gate. 

I called Chase in XX/XX/2018 to request that I be given two new passes as I would be unable to use these before their expiration in XXXX and that is a needless burden on me. 

I was refused my request, also refused request for compensation and refused request for any other adjustments including waiver of annual fee. 

They said they were not responsible for their passes being refused acceptance at XXXX XXXX. I had on prior occasion called XXXX XXXX and they said that the passes were issued by Chase and not by XXXX, I should discuss this matter with them, not XXXX. Chase said the same, I should discuss this with XXXX. 

Bottom line is, I lost use of two passes worth {$130.00} What is the point of a benefit it a ) it can not be used and b ) can not be compensated for upon failure to use. I have been a card member for many years, and this is what they give you.
Product: Debt collection

I conttes these companies on multiple occasions and informed them on my identity being stolen yet they keep trying to make me pay this debt even repeatedly offering payment plans
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 for these violations.
Product: Credit reporting or other personal consumer reports

An account with XXXX XXXX is reporting on inaccurately with TransUnion, XXXX and XXXX. The discrepancies in reporting includes the following : ( 1 ) Date Opened ; ( 2 ) Date Last Active ; and ( 3 ) Payment History. Account to my credit report, TransUnion is not reporting a payment history ; XXXX is reporting a repossession and XXXX is reporting that my account is in good standing. I have attached a copy of the account as it is recorded on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account Account name XXXX XXXX Account number XXXX Account name XXXX XXXXXXXX Account number XXXX Account Name : XXXXXXXX XXXX  Account number XXXX Account Ending In : XXXX Account Name XXXX XXXX XXXX XXXX  Account numberXXXX  account ending in : XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account ending inXXXX Account Name : XXXX XXXX XXXX Account numberXXXX Account Name : XXXX Account number XXXX Account Name : XXXX XXXX XXXX XXXX  Account XXXX Account Name : XXXX XXXX XXXXXXXX Account numberXXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXXXXXX serviced by XXXX XXXX XXXX XXXX is unable to confirm my account or its reporting to Experian. Because this account is reporting incorrectly and the servicer is unable to locate Experian needs to remove the information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The original creditor i s Citi/CBNA-  XXXX   Store Card. T he problem i have is that they are reporting incorrect information across my credit report. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act along with the corresponding local state laws. As of right now they are in violation. I am writing to challenge the reporting and compliance of Citi/CBNA. On the  XXXX  report it shows the chargeoff done in  XX/XX/XXXX   , on the   XXXX report it show s that i was in good standing with them during that time. It also has no close date on   XXXX   or   XXXX  . No high balance recorded on  XXXX  or  XXXX . No visible Account number, it is completely blocked out. On  XXXX , it has missing information and no payment history whatsoever.The last Activity on the account is inconsistent across all three credit bureaus. I need this matter resolved.This is unacceptable. I have settled the debt with this creditior and feel this is highly unprofessional for them not to report the correct information. I reached out to them on  XXXX  to have the account removed due to their inconsistencies. They asked that i fax over information of my credit report. I ask they fix and validate what they have on their end or remove this account completely from my credit report. Thank You
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs
the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX # XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Debt collection

As of XX/XX/XXXX SunTrust has continued to report incorrect deficiency amount and account history on a loan originating in XX/XX/XXXX for 72 months. 

The date of first delinquency is XX/XX/XXXX This account has timed out and should no longer be reporting. 

SunTrust has continued to update and change date of last activity after being disputed directly and through the credit reporting agencies.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the Equifax data breach. The following inquiries and addresses are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX XXXX XXXX : {$220.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$570.00} XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX Balance Owed : {$2600.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$1800.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$1400.00} XXXX  XXXX Balance Owed : {$87.00} XXXX XXXX XXXX XXXX Balance Owed : {$700.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I would like to dispute my entire XXXX, Equifax, and XXXX XXXX reports pursuant to The Fair Credit Reporting Act 15 U.S.C = 1986
Product: Credit card

XX/XX/XXXX I contacted The Credit Reporting Agencies & Tried To Work With All 3 Credit Reporting Agencies To Remove Fraudulent & Incorrect Information on My Credit Profile. They Have Yet To Remove The Negative Items That Aren't Mine Due To Identity Theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit reports are reflecting the following FRAUDULENT inquiries that were made without my permission or knowledge : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these FRAUDULENT inquiries.
Product: Vehicle loan or lease

Kia Motors has charged me taxes for the whole XXXX year for my previous lease with them and are also charging me taxes for the whole year of XXXX for my current lease. I should only be charged for taxes for the amount of months in that year that I owned either car. However they are charging me for the whole year for both. 
I calles them to dispute this, they said I need to pay the full amount and ask for a refund of each extra tax they charged me. They will then process this and refund me. I was given conflicting information about this when i paid the full amount of taxes for the first car, was told that I would only be charged for the prorated amount for the new car. However that was a lie and I am being charged the full amount for both cars. 
I dont think this is right. I shouldnt be charged the whole amount if I didnt lease the car for the whole year. They should only charge a prorated amount no matter what the town charges them for taxes. What about people that are not aware of this process?! They pay Kias taxes for the car that they didnt even lease for the whole year.
Product: Money transfer, virtual currency, or money service

I work as a XXXX XXXX  and needed housing for my upcoming assignment. I responded to an ad for housing in XXXX XXXX. I received a response from XXXX XXXX who was working with XXXX XXXX and XXXX XXXX. They sent me an application and an extensive rental agreement. They were very responsive initially. Before sending any money, I searched on google maps, found the advertised property and I searched all three names to see if any red flags came up. Nothing displayed. I subsequently sent {$1500.00} + XXXX deposit to reserve the dates. Unfortunately, my job pushed back my start date. Once I notified them of this, I was asked to send in another {$2500.00} to hold the unit for me. I was told that I would receive the keys in the mail. Well, prior to my move in date, they stopped responding to my texts and emails and disconnected their phone number. I then did a reverse search in XXXX, a different realtor came up for the same apartment complex.She told me that my name was not in their data base and the people listed above had stolen her listing information. I made payments through XXXX accounts : XXXX  XXXX XXXX, XXXX XXXX and USAA. I was told that I should have known it was a scam and that I was responsible for sending the money. I was also told that XXXX XXXX has an account with XXXX  XXXX XXXX. I don ; t understand why the banks would side with a scammer and not reverse the payments. I have proof of receiving the application, the rental agreement, the name and address of two of the scammers and phone number of the agent whose information was stolen, as well as proof of the money that I sent via XXXX. This has caused me to secure a hotel for 3 days and pay for another dwelling for my work assignment. I hope this can help others, but I would also like my money back. Can you help?
Product: Credit reporting or other personal consumer reports

XXXX and TransUnion are reporting incorrect inquiries that I do not recognize after filing previous complaints they allege this information was verified upon further investigation consequently they sell consumer information without consent for profit. This behavior is clearly why they will not remove these inquiries. They sold my information without my consent and now such behavior is causing me harm. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion
Product: Checking or savings account

Today XX/XX/XXXX, around XXXX I was shopping with my N26 credit card which a product of XXXX XXXX and was shortly advised my card was declined. I proceeded to contact the bank via email, chat as well as over the phone. All communication platforms I was being hung up on over the phone, chats were ended and I was on hold and then told " we can not assist you at this time, and have no information for you. '' the total amount in this account is {$2700.00} XXXX. I do receive small deposits into this account. I learned later that my telephone number was blocked and general message populated which stated " We can not assist you, wait for us to contact you '' and the line disconnected again. I did do some research Online with this bank and found out under their XXXX accounts that there are hundreds of the exact consumer complaints of their accounts being frozen and never seeing their money again.
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 Customer 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 for these violations.
Product: Credit reporting or other personal consumer reports

I did not authorize nor applied credit for XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/24 ; XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/24. PLEASE REMOVE THIS FRAUDULENT INQUIRIES FROM MY CREDIT REPORT AS SOON AS POSSIBLE.