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

I sent a letter regarding incorrect information on my credit reports to Transunion XXXX and XXXX and still have not received an update.
Product: Vehicle loan or lease

I purchased a vehicle and was financed by XXXX XXXX XXXX. About 3 months into the loan I was in an accident which resulted in the vehicle being totaled. 
When I got the loan I paid extra for certain services if something happened later on, one being I I lost my job, they would cover up to 6 months of payments. 
After the accident my insurance paid out enough to cover it all except for {$700.00}, but right after the accident I lost my job and was unable to continue to make the payments. They never called, or sent any letters for a year, then suddenly one day I get a bill for over {$2000.00}, from the remaining {$700.00} plus interest. When I tried talk to someone about it I was given the run around. I was sent to one department to the next, never getting any answers. I now have almost XXXX on my credit report for a vehicle I paid for. I had no issue paying the {$700.00}, had I known they didn't. But they didn't once call, email, or send a letter stating i owed a balance for over 12 months. In return my credit has dropped XXXX points, and I am in a position where I have no options except for bankruptcy.
Product: Debt collection

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX We were misled regarding the information of the XXXX. They promised that we would have true ownership of our time with a deed. This is not true as this is a membership not ownership. All paperwork states that we are owners and labeled on our credit report as a XXXX. Also, they agreed not to pull my wifes credit or add her to the deal and they did the opposite. In addition, XXXX XXXX no longer exists as they were acquired by XXXX. They then tried to convince us to sign over to XXXX knowing that they are in the process of dissolving XXXX XXXX which automatically relinquish me and my wife from any previous contract with XXXX XXXX. We did in fact let them know we were no longer interested in the timeshare as we addressed the issues we mentioned previously. Now they are falsely reporting on our credit report just to ruin our credit in retaliation as they know XXXXXXXX XXXX is soon to be completely dissolved. 

There are multiple complaints from their members for the issues mentioned as well as other deceptive practices being performed by XXXX XXXX. 

We are requesting an investigation into the XXXX  companys practices, enforcement actions against the company, and other remedies to address deceptive practices.
Product: Checking or savings account

I have used Venmo somewhat regularly for the past 5-7 years. I've since stopped using it as my main vehicle for sending money due to how poorly my account was managed. Over the last 3 attempts to accept/send money, my account has been Suspended for " Suspicious Activity ''. I needed to add a bank account to my profile as my debit card that had been attached was hacked and the number was no longer usable. I was able to get a small loan for my insurance and bills that I need to pay, and if I were to use any other company, I would've had my phone paid and car insurance. Well now I can't get home from work and I need to wait 3-5 business days for them to verify that the account is mine although I have taken a picture of my license and sending to them, which in itself felt sketchy and unprofessional. It seemed that the verification software was a 3rd Party service, which means I have no clue where my data is going. It's unfair when there are at least 5 major organizations I can choose and the one I choose disables any ability to send and receive money. I thought we might have fixed the issue the last time I called, but nobody seems to take action to help me. I've never complained like this before, but I feel taken advantage of and on the count that this has happened 3 times has sent me over. I just wanted an explanation and for my funds to not be frozen. This is happening to so many people. With major privacy concerns, terrible customer service and strategy integration, scams, and a variety of other things, ( my problem being at the top of everybody 's list ) has gone unpunished for too long. I hope this message brings people awareness to show that there are better options with a customer-first approach that you should use rather than this terrible terrible organization.
Product: Credit reporting or other personal consumer reports

These overdue payments aren't in line with my usual payment record.
Product: Mortgage

Bank of America - primary mortgage and XXXX XXXX XXXX line of credit from XXXX  thru XXXX - Both banks negotiated payments to avoid foreclosure with my ex-spouse only. I was left out of all communications even though I called both banks on multiple occasions. This caused extended delays, emotional distress around divorce proceedings because all was stalled by my ex in bankruptcy court divorce court said they couldnt do anything about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud : XXXX  XXXX Balance : {$250.00} ; XXXX XXXX XXXX Balance : {$160.00} ; XXXX XXXX Opened XX/XX/XXXX Balance {$0.00} ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX  XXXX Balance XXXX {$0.00} ; XXXX  XXXX Balance : {$250.00} ; XXXX XXXX XXXX Balance : {$160.00} ; XXXX XXXX XXXX  XXXX Balance : {$400.00} ; XXXX XXXX XXXX XX/XX/XXXX Balance {$250.00} ; XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following accounts and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation. These inquiries should also be removed. 
XXXXXXXX XXXX  XXXX Inquiry Date XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX  Inquiry Date XX/XX/2023 XXXX XXXX  Inquiry Date XX/XX/2023 XXXX XXXX  XXXX Date XX/XX/2023 XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2023 XXXX XXXX XXXXXXXX Inquiry Date XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

We had to go through a XXXX XXXX bankruptcy in XXXX. Since then, all 3 credit reporting agencies have reported my XXXX XXXX XXXX serviced through XXXX ) as being closed and/or discharged. This account was never discharged in the bankruptcy and we still continue to pay on it monthly and it is current. 

My understanding is that student loans are one of the few accounts that are not discharged/closed in bankruptcy and yet all 3 reporting agencies refuse to acknowledge this. I have disputed this TWICE with each agency XXXX Experian only once XXXX and each time they say that their information is accurate and continue to show it as a closed account. 

I have contacted XXXX several times regarding this and they assure me that they are reporting my payment and balances each month to each reporting agency. There are technically 2 accounts with XXXX that have different balances and both show on my credit report as discharged/closed. 

As we try to rebuild our credit, we can't see to get this item corrected on our credit report and it affects us adversely.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report I've noticed several inaccuracies on my account. Which are hurting my ability to obtain credit. It is to my understanding that you will investigate these items for me to ensure accuracy. Here are the items I am asking to be verified as accurate : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 ive disputed these accounts with XXXX, equifax, and XXXX i received no response or results on any investigation that i requested. i requested for them to validate 2 collection accounts on my report which they failed to do in the 30 day investigation period.i also requested that they update my personal information and remove all inaccuracies from my report. they have failed to investigate and comply with my instruction to remove all inaccuracies XXXX instead tried to send me a stall letter accusing me of using a third party to contact them which has nothing to do with the investigation i requested for these accounts .i dont appreciate them ignoring my request and violating my consumer rights by failing to respond in the 30 day investigation period.XXXX  especially, continue to violate my consumer rights by trying to stall to buy them more time to discourage me from my rght to disputing these accounts that are a defamation to my character .according to the federal credit law spelled out in the FCRA, a credit bureau is required to respond to you and complete their investigation within 30 days.if they do not respond within this time frame, they must remove the negative and inaccurate listings disputed.it as been 47 days since ive disputed and ask for an investigation, which is a blatant violation of my consumer rights.i would like these inaccuracies to be removed from my credit report.
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Bankruptcy Acct # XXXX 15 U.S.C 1681 Section 602A States I have the right to privacy 15 U.S.C. 1681 Section 604A States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681C ( a ) ( 5 ) States no consumer reporting agency may make any consumer report containing any of the following items of information other than records of crime which antedates the report by more than 7 years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

I 'm being wage garnished and I 'm XXXX XXXX and need the money. The exchange credit company is garnishing my check that I need to purchase medical supplies, medications, and hospital bills. I need the money for the situation I 'm in from sustained XXXX from XXXX XXXX as a soldier. I remember paying my bills before seperation from the XXXX. This garnishment has n't noticed me or have contacted me about the credit card bill. I canceled it before leaving.g the XXXX. I do n't know how much I owe or how a balance was made. I do n't know anything but missing Social Security XXXX insurance money as they said exchange services have made this garnishment. I do n't know how to settle pr pay this bill. It 's a suprise and the money for my current bills sustaining my health currently can not be paid due to the exchange discriminating my XXXX.
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS ARE REPORTING INACCURATE INFORMATION AND HAS PUT ME IN FINANCIAL DIFFICULTY 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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX : {$120.00}, XXXX  XXXX XXXX Balance : {$0.00}, XXXX  XXXX XXXX : {$1900.00}
Product: Bank account or service

Dear Sir/Madam, I would like to express my disapointment of the representatives that works for the Wells Fargo Bank. On XX/XX/2015, I spoke to a representative of Wells Fargo Bank in regards to obtaining pertinent information of my account. Since I would like to expand in areas of my XXXX and as such the information is one of the requirements for this expansion. The information required were : Account Holders Name, Account Number, Six Months Deposits, A statement showing there is no lien on the business account, and I attest that none of the funds used in this account is borrowed and is immediately available for Cater Home Care use. 
This business has been a customer of Wells Fargo for over one year and seeing that there is a six months requirement I felt that it was only fair that Wells Fargo furnish me with the true and authentic information required. I have spoken several times to representatives of Wells fargo and they have either refused to furnish me with the information needed or fax and mail information which was not asked for. 
This situation has become an issue between Wells Fargo Bank and my business and I have found it appaulding since I am only asking for information that was processed between Wells Fargo Bank and XXXX XXXX XXXX XXXX. 
I am therefore requesting that action be taken to relieve this issue and furnish XXXX XXXX XXXX with all the documents needed so that the business can move forward as soon as possible. 
Respectfully, XXXX XXXXAdministrator XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received an email from XXXX stating that my account would be reported as 30 Days Delinquent if I did not remit payment by XXXXXXXX XXXX PST on XX/XX/XXXX. On XX/XX/XXXX at XXXXXXXX XXXX EST ( or XX/XX/XXXX XXXX XXXX PST ) I remitted payment in the amount required to prevent a 30 day delinquency report on my credit reports. On XX/XX/XXXX I contacted XXXX to resolve the issue and was told that their systems automatically report to the credit bureaus and they will not change the account status because it is accurate. I then reiterated that I made the payment before the PST deadline and was continuously met with a refusal to correct the information.
Product: Credit card

On the top right corner of the credit card statement, XXXX XXXX Chase XXXX gives a customer service number of one XXXX XXXX XXXX. 
The misleading part is its not customer service. A woman comes on the line and tries to force you to buy another product for a medical alert device. When you asked to talk to customer service, they hung up. 

When you call back and ask for the XXXX reward program, they will not transfer you to the reward program that is referring to the credit card statement or customer service. The woman will hang up if you refuse to buy their medical alert bracelet and never transfer you to customer service. 
Card services is misleading, consumers intentionally to force them to buy products that they do not want to buy and against financial banking laws for deception to clients. It is a strict violation of financial laws against the law. 
I have tried over a dozen times to get a hold of their customer service over several months and they never allow us to talk to the customer service listed on their reward visa card, credit card statement. 
Banking laws clearly state a company can not advertise, in branch or online intensional material to deceive consumers. This is a violation of the law based on how they are advertising and the refusal to help consumers get a hold of customer service to resolve their banking issues.
Product: Credit reporting or other personal consumer reports

Unauthorized Hard Inquiries. To whom it may concern, I recently reviewed my credit report and noticed multiple hard inquiries that are unrecognizable to me. i did not secure an account with any of the tollowing companies which is securities fraud and did not authorize my credit to be pulled during these highlighted instances. Please remove the following inquiries IMMEDIATELY in order to restore my credit to a more accurate status. The accounts to be removed are the following : XXXX XXXXXXXX XXXX DEALER XX/XX/XXXX and all other pulls from this company XXXX XXXX XXXX XX/XX/XXXX and all other pulls from this company XXXX XXXX XXXX XX/XX/XXXX and all other pulls from this company XXXX XXXX XXXX XXXX XX/XX/XXXX and all other pulls from this company XXXX XXXX XXXX XXXX XXXX  and all other pulls from this company XXXX XXXX XXXX XXXXXX/XX/XXXX and all other pulls from this company XXXX XXXX XXXX XX/XX/XXXX and all other pulls from this company XXXX XXXX XXXX XX/XX/XXXX and all other pulls from this company XXXX XXXX XXXX XX/XX/XXXX and all other pulls from this company XXXX XXXX XXXXXX/XX/XXXX and all other pulls from this company XXXX XXXX XXXX XX/XX/XXXX and all other pulls from this company XXXX XXXX XXXX  DEALER XX/XX/XXXX and all other pulls from this company XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and all other pulls from this company XX/XX/XXXX and all other pulls from this company XXXX XXXX XXXX XXXX XX/XX/XXXX and all other pulls from this company XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent this company my dispute letter on XX/XX/XXXX with detail explanation on what accounts were derogatory and needed removal. I even attached all the documents they requested as proof to assist them run a smooth investigation on this matter : But to my surprise this company still kept reporting these erroneous accounts. This letter is a written proof of my intent to resolve this matter and have these inaccurate accounts expunged from my report before pursuing legal action. 
For yet one last time, the following accounts are derogatory : XXXX XXXX, Opened Date XX/XX/XXXX, Highest Balance {$3300.00} XXXX   XXXX XXXX, Opened Date XX/XX/XXXX, Highest Balance {$2800.00} XXXX, Opened Date XX/XX/XXXX, Highest Balance {$4400.00} XXXX  XXXX XXXX XXXX XXXX, Date Opened XX/XX/XXXX, Balance {$2900.00} XXXX XXXX XXXX XXXX XXXX, Date Opened XX/XX/XXXX, Balance {$1000.00} XXXX  XXXX XXXX XXXX XXXX, Date Opened XX/XX/XXXX, Balance {$3500.00} XXXX  XXXX XXXX, Opened Date XX/XX/XXXX, Balance {$1900.00} XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX, Date Opened XX/XX/XXXX, Original Balance {$610.00} XXXX XXXX XXXX XXXX XXXX, Date Opened XX/XX/XXXX, Balance {$5800.00} I have attached herewith the letter I sent to this company as proof of their failures to investigate and fix the errors I pointed out for reference.
Product: Money transfer, virtual currency, or money service

I tried to buy a XXXX from the XXXX XXXX using cash app as requested and got scammed I even filed a police report and reached out to the market place as well as sending several emails cash app and to my credit union. And spoke to the XXXX person who acted like they were a XXXX lady. He refused to give me my money or the game. I closed my cash app account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE FILED A DISPUTE IN REGARDS WITH THE INCORRECT ITEMS ON MY CREDIT REPORT. IT HAS BEEN WELL OVER 30 DAYS & I HAVEN'T RECEIVED ANY INVESTIGATION RESULTS.
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting issues with the platform. Despite using Zelle many times, and reporting problems my bank and Zelle failed to investigate my claims. They said reversing lost funds was impossible and tracking these transactions was unfeasible.
Product: Vehicle loan or lease

THE LENDER OFFER DEFERRED PAYMENTS FOR A ( FEE ). THE LENDER FAILED TO INFORM US WHEN ACCEPTING THE OFFER THAT IN THE EVENT OF A TOTAL LOSS ANY GAP CLAIM WOULD BE DENIED. 
GM Financial will not acknowledge that they withheld that information. However the agents on the phone have. the only response has been from a letter from XXXX XXXX XXXX XXXX Department XXXX Complaints XXXX XXXX ) XXXX ( w ) | ( XXXX ) XXXX ( f ) XXXX does not answer or return calls. 
In her letter she stated - XXXX  does not cover any payment extensions you may have received throughout the life of the account. she also recommends calling the XXXX number if we have any further concerns. When this occurs the agents do not know who to connect us to and send us to a random voicemail when asked to speak with a supervisor who also will not return the call. 
- GM Financial is Avoiding our requests to speak with a supervisor. 
- That XXXX  coverage was financed ( while paying interest ) on the loan by GM financial - GM Financial offered a payment extension and never disclosed accepting the extension would affect another product being financed by you. This was never mentioned during call when the offer of the extension was made.
Product: Credit card

On XXXX XXXX, 2015 someone fraudulently opened a credit card account with Capital One in my name. The good news is that Capital One realized it was fraudulent and called me to confirm that I had not submitted the application before they sent out the cards, and they immediately closed the account. The bad news is they still have not removed the credit inquiries from my credit reports. The hard pull shows on both my XXXX and XXXX credit reports, and negatively impacts my credit score. Every time I call Capital One ( 4 times so far ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) they tell me " it 's in the process of being removed. '' It 's ridiculous that it has taking over 9 months to remove the inquiries from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not applied to any of these merchants. Why are they listed on my reports as inquires? 

XXXX XXXX Accept You applied for an auto loan on XX/XX/XXXX XXXX You applied for a credit card on XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX You applied for a credit card on XX/XX/XXXX XXXX XXXX XXXX XXXX You applied for an auto loan on XX/XX/XXXX XXXX You applied for an auto loan on XX/XX/XXXX XXXX You applied for credit on XX/XX/XXXX XXXX XXXX  You applied for an auto loan on XX/XX/XXXX XXXX XXXX XXXX XXXX  You applied for a credit card on XX/XX/XXXX XXXX XXXX XXXX You applied for a credit card on XX/XX/XXXX XXXX XXXX You applied for an auto loan on XX/XX/XXXX XXXXXXXX XXXX You applied for a credit card on XX/XX/XXXX XXXX XXXX You applied for a credit card on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX You applied for credit on XX/XX/XXXX XXXX You applied for credit on XX/XX/XXXX XXXX You applied for credit on XX/XX/XXXX XXXX XXXX XXXX XXXX You applied for credit on XX/XX/XXXX XXXX XXXX XXXX You applied for credit on XX/XX/XXXX XXXX XXXX XXXX XXXX  You applied for a credit card on XX/XX/XXXX XXXX XXXX XXXX XXXX You applied for credit on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX You applied for credit on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX You applied for credit on XX/XX/XXXX XXXX