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

I filed chapter XXXX bankruptcy in XXXX a comunity property state last week so called ford motor credit and the manager said the fair market value of my truck is what I owe and not the value of the truck and they dont re aferm at value only what I owe and if I dont re aferm it or pay it off they will go collect it from my wife say community property state does no cover my spouse in a laoan that we are both on and they will comitue to call and go after her to pay the loan even thou its included in my chapter XXXX bankruptcy I am willing to reaferm the debt at fair market value but manager in there bankruptcy dept says they dont do that and there lawyer will contact me to reaferm debt at almost double the value of the truck.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a letter to XXXXXXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX USA on XX/XX/2020 it was received by them via USPS on XX/XX/2020. No response was received. A Return Receipt was signed and returned. It has been longer than 30 days to validate this debt. No attempt was made to verify the debt and no collection details were given.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is to inform the CFPB that my privacy is being violated by this lender. I previously notified the company that I was invoking XXXX Form of opt out notice to consumers ; opt out methods. 
As of today, the company has been evasive in complying with my notarized affidavit. My time is valuable. 
And the law requires a lender to comply within ten business days after receiving this notice. 
Included in this letter is a copy of the document they received on the 2nd of XXXX. Sent to their post office box via XXXX XXXX XXXX XXXX 
I have tried to deal with this matter with civility. 
But this company has failed to provide a reasonable means for me to opt out. I am left with no other choice but to exercise my right under section iii ( A ) of this law. Which states The only means of opting out is for the consumer to write his or her own letter to exercise that opt out right. And use the resources provided by the Consumer Financial Protection Bureau. 
The law all financial institutions must abide by ; ( iii ) Unreasonable opt out means. You do not provide a reasonable means of opting out if : ( A ) The only means of opting out is for the consumer to write his or her own letter to exercise that opt out right ; So consider this my official opt out notice. This does not require a 60 day investigation. 

Please be aware, the law also requires you to accept an opt out direction from the consumer. And honor the request within 10 business days. You can not require the recipient to give you any personally identifying information beyond an email address, or make the consumer take any step other than sending a reply email or visiting a single page on your website as a condition for honoring an opt-out request. This letter is not a request for a sixty day investigation. A simple compliance with my request for privacy will suffice.

And lastly, non compliance with a consumers right to privacy is subject to a civil penalty of no more than {$100000.00} for each violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX have been trafficking my information by assembling my consumer report. This information is a violation of my confidentiality as a private natural person. These 3 agencies have a responsibility to keep my information private. My request to have XXXX to remove over 25 hard inquiries, equifax to remove over 13 hard inquiries and XXXX  to remove over 33 hard inquiries. I've made several attempts with all 3 companies. I will follow through if this is not taken care of immediately with adverse action 15 usc 1681 18 usc 1028 with penalties for each violation.
Product: Debt collection

This was paid already upon a car accident that happen in 2010, and this is the first time I have heard anything about this money they said I own.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I accidently made a payment to my CC 's out of the wrong Checking account, this account didnt have and funds in it so the payment was returned and upon realizing this I made a payment out of the correct account when they bank informed me that the transaction was denied.
Product: Credit reporting

I have hired credit repair agency to help remove inaccurate information on mycredit report. They have been notified and the only agency that has made adjustments to my report is XXXX. Equifax and XXXX has not complied with my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX Account # XXXX XXXX  XXXX 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.
Product: Consumer Loan

My XXXX Prius was repossessed more than 6 weeks ago. I telephoned Toyota Financial Services ( TFS ) for guidance. I was told to wait for their letter. The letter came about a week later, and I read it. In accordance with that letter, I sent a check for the payoff amount ( {$2500.00} ). The check was sent " return receipt requested. '' I received the return receipt indicating that on XXXX XXXX, a TFS employee ( " XXXX ) in XXXX XXXX, Iowa signed for the check. 
Nothing happened. I telephoned TFS at a their phone bank in Arizona, as directed in the letter, and inquired repeatedly about my vehicle. Each phone call requires anywhere from 22-42 minutes of waiting time. Each person who answered the phone could not tell me what the status of the check was or the status of the Prius. Indeed, I was advised that I had to find out what TFS in Iowa was doing with the check. ( I 'm in DC and not associated in any way with TFS. ) I telephoned a Toyota dealership near where I live ( XXXX Toyota in XXXX ), and asked for their assistance. I was told to send a cashier 's check and that was all that was needed. 
Just before going to get a cashier 's check, I checked my bank account. The check sent to Iowa was finally processed. At the time the check was processed, three weeks had elapsed. 
At this time, I can not get TFS to release the car. Indeed, I can not get anyone to tell me what the status is of my car. AND in the interim, I am told that the repossession company who took the car is charging me a daily fee plus towing fees, and other fees. 
I am XXXX years old. I am relying on friends and neighbors while trying to get my Prus back. At this time, however, I have no belief that I will get my car back. 
Please help.
Product: Credit reporting or other personal consumer reports

I sent Experian a dispute letter for XXXX account from XXXX XXXX and XXXX accounts from XXXX XXXX and XXXX account from XXXX XXXX XXXX that is reporting on my credit report. I didn't receive nothing back, so i disputed it online now. I get my credit report on XXXX from Experian, and now its showing XXXX accounts from XXXX XXXX  and XXXX Accounts from XXXX XXXX  and XXXX account from XXXX XXXX XXXX ( THESE ACCOUNTS ARE DUPLICATES ). THIS IS A VIOLATION FOR INACCURATE INFORMATION ON A CONSUMER REPORT. I have also sent debt validation letters to XXXX and XXXX to validate the debt and they can't even respond. I have made complaints through CFPB as well to have these removed.
Product: Prepaid card

Was told I must purchase a XXXX pack to open a safe account on line to put my money in before I could access my money my prepaid XXXX card. After loading my money onto my safe account, XXXX, I went through circle after circle of technical difficulties and I couldnt access my money. After a month of trying to reconcile this problem, I finally requested a refund of my money, they said it would take XXXX business days to receive it. After XXXX days came and gone still no money, called cooperate office spoke with XXXX at Blackhawk Network, she said some how refund was canceled she apologized and had no clue who did it, then assured me I would have my refund in XXXX business days. XXXX business days came and went, still nothing called XXXX back again some one had some how canceled my refund yet again, they apologized but will try and start refund process again which still will take another XXXX business days, Im not holding my breath!!!
Product: Credit reporting or other personal consumer reports

I have requested to XXXX to validate and verify the negative account they are reporting different information compared to other bureaus. This account is only reporting in EQUIFAX. If your record-keeping had been accurate, this account should have never been erroneously reported. Per FCRA, reporting of account information must be accurate ; I need this account removed immediately.They have refused to comply or provide copies of documentation verifying this account, yet they have been willing to put this unverifiable debt on my credit report.
Product: Mortgage

Due to my financial hardship I was behind on my first and second mortgage payments. After some time, Green Tree, the servicer of my second mortgage got a judgement against me for the amount owed on the second mortgage in XX/XX/XXXX. They approached my employer and began wage garnishment in XX/XX/XXXX even though the house was still undergoing foreclosure review by the first mortgage company. The foreclosure sale of the property eventually took place on XX/XX/XXXX, two months after the wage garnishment had started.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and demand the immediate removal of the fraudulent accounts and inquires from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items removed within four days. I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681C-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my personal and sensitive data to unauthorized individuals. 

The fraudulent accounts are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The fraudulent inquires are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have tried to obtain copies of my credit report that includes my current scores from each bureau with zero response. XXXX has not mailed me a full copy of my report and neither has Equifax or XXXX. Anytime I inquire with Equifax, I always receive a letter stating they can't find my report, then they miraculously update things. With XXXX, they always say my identity doesn't match but I give my social security number along with other requested identifying information. When I file disputes with XXXX they open the dispute and close it within less than 24 hours claiming they verified information as accurate and they will send the information they used along with a report reflecting this information, but they never do. I have a hard time believing a dispute was resolved in less than 24 hours.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  ACCOUNT # XXXX HAS VIOLATED MY RIGHTS 15 U.S.C 1681 SECTION 602 A STATES I HAVE THE RIGHTS TO PRIVACY.15 U.S.C 1681 SECTION 604 A SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACOUNT WITHOUT MY WRITTEN INSTRUCTIONS. XXXX XXXX XXXX {$270.00} DATE OPENED XX/XX/XXXX, XXXX XXXX XXXX XXXX  DATE OPENED XX/XX/XXXX, {$1700.00}, XXXX {$310.00} DATE OPENED XX/XX/XXXX, XXXX XXXX XXXX  XXXX  DATE OPENED XX/XX/XXXX, {$1400.00} ALL MY ACCOUNTS ON MY REPORTS
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against LexisNexis for their repeated failure to provide my consumer report despite multiple requests and submissions of required documentation. 
On XX/XX/year>, I contacted LexisNexis to request a copy of my consumer report. I was informed that I would receive the report within XXXX days. However, no report was delivered. I followed up on XX/XX/year>, and was told that a report had been sent on XX/XX/year>, but they would reissue it, and I should receive it within another XXXX days. Unfortunately, I did not receive anything after this follow-up. 
On XX/XX/year>, I called LexisNexis again to request my consumer report. To address any potential issues with verification, I submitted all required supporting documents through their online portal, including copies of my government-issued ID, social security card and a recent utility bill with my current address. 
Despite this, on XX/XX/year>, I received a letter dated XX/XX/year>, stating that LexisNexis was unable to process my request due to an authentication issue. 
More than 30 days have now passed since my initial request on XX/XX/year>. Under the Fair Credit Reporting Act ( FCRA ), LexisNexis is obligated to provide a copy of my consumer report within a reasonable timeframe, typically 15 days from receipt of a valid request. Their failure to do so after multiple attempts violates this provision and hinders my ability to review and address the information in my report. I am including a copy of my documents submission and LexisNexis response as proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the accounts which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the accounts I am concerned of : XXXX XXXX XXXX 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

IC Systems is charging me {$890.00} on an old XXXX XXXX debt. The original debtor started in XXXX.However, when I log onto my credit report, IC Systems is showing the debt starting in XXXX. This is the incorrect time frame. The original debt started in XXXX and this should be removed from my report after 7 years. They need to update the date of the original collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

I informed AMERICAN HONDA FINANCE before that this account was showing an inaccurate payment history. This inaccurate information continues to do harm to my credit. They didnt investigate! And where is my proof of payment history? They have to go back and take this off!
Product: Money transfer, virtual currency, or money service

I was making a sale to a customer from XXXX XXXX, and he said he was going to pay me on Zelle. I received a fraudulent email saying that my account needed to be credited {$300.00} because it didn't have enough money to make the transaction. I did not know that it was fraudulent, so I made the {$300.00} payment. I never received the payment for the product and now I am out {$300.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello CFPB team, I requested a copy of my credit report and asked the credit bureaus to do verification on everything in my report. The credit bureaus did the verification and said that everything was accurate. 

However, I did thorough research myself and I still see the inaccuracies on my credit report even after they did that research and verification. There are so many things that are wrong including the date opened on each account. Each date is different on each bureau! This is just one issue. You will see that there are several other inaccuracies. Please remove these accounts from my report. 

Please can you explain why these bureaus are being allowed to report these inaccuracies and the CFPB just keeps closing my complaints without looking at the incorrect items on my credit report? 

I looked up the Fair Credit Reporting Act and according to the FCRA I feel that the following companies have all violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have rights and here are the FCRA regulations : 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 : States a consumer reporting agency can not furnish an account without my written instructions.

I am asking you to please review these four accounts and you will see that what I am saying is true. Please help me with this and enforce the law and investigate my complaint. The bureaus keep repeating the same response ; that they have checked and its correct. If they had checked they would see the discrepancies. It is just plain wrong information that they have been reporting.

I need your help! Please enforce the law!
Product: Checking or savings account

XX/XX/XXXX someone hacked my account followed by changing email and phone number. I received emails from Chime Bank at XXXX that my phone number was changed and XXXX XXXX  that my email was changed. I immediately called Chime to let them know I didn't change my email or phone number. I have emails that these were changed back to the correct email and phone number at XXXX XXXX  while I was on the phone with the representative. XXXX I received an email to set a new password which was done while I was on the phone with the staff member. While on the phone with them, 2 charges went through that were not made by me but instead by the person that hacked my account. These charges were at XXXX for {$2400.00} and XXXX for {$2400.00}, as I was on the phone when these came through I told the person I was on the phone with so we could dispute this. I was on the phone for approximately 45 minutes getting a new card ordered and providing the dispute information. 
On XX/XX/XXXX I received an email that the dispute was denied, I called within an hour to discuss with a representative. The representative was unable to help so I spoke with a supervisor, the supervisor made me aware that there was no information on the dispute in regards to my account being hacked. I told him the entire story of what happened, he reopened the claim and asked me to submit proof to the email provided. As soon as I got off the phone with him I sent the email with screenshots about the email and phone number being changed as well as the charges that were made without my consent while I was on the phone with the bank employees. 
Today XX/XX/XXXX, I received an email that the dispute was again denied despite the large amounts of proof that were provided as well as the fact that I have been using Chime for 8 years without issue and it was no fault of my own that my account was hacked as I have never shared my password, my pin, or any of my banking information with anyone but instead that Chime allowed someone to have access to my account and spend over {$4900.00}. 

I have had no success with emailing or calling to get a resolution of this. The resolution that needs to be done is Chime needs to refund the {$4900.00} that they allowed someone else to access and spend.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX - Account Number : XXXX Unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX TX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : Please accept this letter as my follow-up to my telephone conversation on Friday XX/XX/2021, with a fraud dispute representative with Experian. This is my formal credit dispute letter along with a copy of my Police report that was requested. I was a victim of identity theft. Please be advised that the following accounts on my credit report have been disputed before, but today I am including a Police report to have these accounts removed from my Experian credit report : XXXX XXXX XXXX. 
XXXX XXXX Acct # XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX I would appreciate if you would investigate this matter and remove them from my credit report. I have disputed these items tirelessly for the last couple years and I am my wits end. XXXX XXXX and XXXX have removed these items already. 

I look forward to a quick resolution to this matter and a written response to this letter. Thank You in advance.
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 5,80 financial loss, and I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitted several disputes to XXXX, XXXX and XXXX and they all come back as verified. I just submitted a dispute with each of them in XXXX and again in XXXX 2017 and the same results. I also email each of the companies and on report and XXXX XXXX XXXX sent a packet that included billing statements. The issue of inaccuracies was never address.
Product: Money transfer, virtual currency, or money service

I want to file a complaint against solo funds I had {$4000.00} in my wallet and they took it away and it has now been over 24 hours I want to sue for the trouble. Please shut down this businesses down completely to prevent other consumers from being scammed by them. The receipt attached shows they took {$4000.00} out of my account without my permission