23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I purchased a car from XXXX XXXX XXXX in XXXX 2015. When I was arranging auto financing with Finance Director, she said if I purchased additional options like a service contract she would give me an auto loan with Chase Bank for 78 months at a monthly payment of {$600.00}. When I returned a week later to cancel the option, she would not lower the monthly payments to {$350.00} for the original term of 78 months to adjust for the lower purchase cost even though she told me otherwise when I purchased the car. She wants me to continue to pay $ XXXX monthly with a new term of 60 months. In addition, after more than 2 months she has not adjusted the loan balance to the lower amount even after I contacted her and Chase Bank numerous times. Presently, I am stuck with a higher monthly payment.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 

I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification that you are adhering to mandated Metro 2 data formatted reporting standards according to regulations. 

Failure to take appropriate actions to remedy this matter will lead to my civil right to file a lawsuit seeking monetary resolution via a court in my jurisdiction. 

Drawing from my research and complete comprehension You nor any entity is permitted to keep any non-compliant information, particularly upon it being challenging any or all of the excerpts, dated assignments, ledger balances, audited details, documents of identification, each of the 426- character format fielded P6 statements, pay status codes, alpha-/ numeric-/ and or alphanumeric source codes. Further certificate firmly every single one even each any and or all of the minimal five ( 5 ) portioned personal identifiers, and even the unabbreviated 386 pieces of confirmation to collect.

The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately, do so TODAY, even right NOW! The obvious infractions are as follows : Name of Alleged Creditor : XXXX XXXX XXXX XXXX XXXX - I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exist Item Complaint Details : You are reporting inaccurate and/or incomplete, unproven, NON-COMPLIANT ACCOUNT INFORMATION. Immediately Delete this Unverified Account. If not, please provide physical proof of verification, along with the requested items within the full context of this correspondence. 

INQUIRIES TO BE REMOVED : XXXX XXXX - XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 

XXXX - XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 

XXXX - XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 

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

On XX/XX/XXXX at approximately XXXX hours I requested to withdraw {$200.00} from an ATM in {$100.00} bills. The machine dispensed {$40.00} in the form of two {$20.00} bills, so I was not given {$160.00} of the money withdrawn. However, {$200.00} was taken out of my checking account. 
ATM machine ID XXXX I have filed a claim with Bank of America and have not heard anything back from customer service. They have a status check link online but it only says claim received. 
Money is short right now and I feel it is ridiculous to have to wait so long. I withdrew the money for a reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have went on XXXX XXXX to check my credit score because I am trying to get an apartment. I realize their are several hard inquiry 's that do not belong to me nor did I ever apply for these accounts. it make me very upset because I been working hard on trying to fix my credit! I have reached out to the company 's and basically told me there is nothing they can do about this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a account XXXX XXXX which is 7 years old and XXXX  XXXX  and equifax will not remove
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB LAWSUIT highlights significant issues with the platform
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 ( 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 redres : for these violations.
Product: Money transfer, virtual currency, or money service

Date - XX/XX/2023 Amount - XXXX USD Wired to XXXX bank recipient XXXX XXXX  ( XXXX ) From : Chase Bank Action - Recalled wire but no action taken by the bank despite informing this is a fraud company Date : XX/XX/2023 Amount : XXXX Wired to Chase recipient XXXX XXXX XXXX Account : XXXX From : Chase Bank Action : Recalled wire but no action taken by the bank despite informing this is a fraud company Date : XX/XX/2023 Amount : XXXX Wired to Chase recipient - XXXX XXXX Account : XXXX From : Chase Bank Action : Recalled wire but no action taken by the bank despite informing this is a fraud company
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX 
I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you one opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the mental distress, anxiety, emotional distress, and financial hardship that your actions have caused me. 
Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. 
I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX  website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. 
Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request.

I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. 
Please send all correspondence related to this matter to the address listed above.
Product: Credit reporting or other personal consumer reports

Hard Inquirie Account Name : XXXX XXXX XXXX XXXX. 

According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agencyshall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Delete this Hard Inquiry immediately because of violation of 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ), and 15 USC 1681e ( b ).
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 I presented a " Bank Check '' in the amount 0f {$2300.00} to my Capital One Branch in XXXX XXXX, NY. I verified with the teller that it was a " Bank Check '' and could be exchanged for cash at that point. She informed me it was a " Bank Check ' and gave me the cash for the check. 

On XX/XX/2020 my checking account was debited {$2300.00} " Chargeback HOLD PLACED FROM TRIPS '' upon further review and calls to Capital One as well as returning to the Branch I found out the check was fraudulent and not a " Bank Check '' at all! Capital One insists that there is nothing they can do since I did receive the cash amount and was involved in a scam. 

The scam began as iI placed a car for sale on " XXXX '' website. A buyer sent me the " Bank Check '' for the amount of the car ( {$1100.00} ) and {$1100.00} extra to pay to the auto transporter, which I was to send a Post Office Money order for the {$1100.00} in order to pick up the car. Which I processed onXXXX. 

Well in essence the Money Order was cashed and there is no Auto transporter so that {$1100.00} is gone. The remaining {$1100.00} cash i deposited back into my account on XX/XX/2020 so basically I am out {$1100.00}. 

My complaint comes from expecting a " Bank Check '' to be as good as cash and that's why it was cashed, not against my account. I specifically asked the teller if that was the case! Subsequently I learned that is not the case and " Bank or Cashier '' checks do have hold times from one to five days. If I received those instructions from the teller I would have just deposited the check into my account and waited for it to clear! 

Even though I was involved in a purchasing scam and It was not Capital One 's fault the tellers of Capital One should be trained and versed to help their patrons and public be aware of such situations concerning check cashing! Especially if they were asked specifically on the check cashing process.
Product: Checking or savings account

There was a check deposited into my SunTrust bank account 3 weeks ago and according to SunTrust bank the check was returned. Since this was established, my checking account has been frozen. I called the bank and I asked will I be able to withdraw my Social Security XXXX insurance funds when it's available, and I was told that I could retrieve my funds on the day of deposit by going to a branch location. That was obviously a lie. According to this financial institution, my account is under investigation, and this so called investigation is going on 4 weeks. I was told today that there is no certain time when my funds will be available to me and I know from dealing with XXXX  XXXX XXXX that a financial institution can not hold government funds from individuals like they are doing.
Product: Credit reporting or other personal consumer reports

I hope this letter reaches you in good health. I am writing to express my deep concern and frustration regarding the unresolved issue of the inaccurate negative entry persisting on my credit report across all three major bureaus. Despite my repeated attempts to rectify this matter, the lack of action on your end is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 'm a victim of the breach and also been a victim of identity theft before the breach. I need these hard inquiries removed because I have no knowledge of these. I did n't inquiry for accounts with them. I would like for these to be removed from my reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have communicated with XXXX, XXXX, and XXXX, many times in recent months via, mail and telephone, to have so errant accounts removed from my credit report. After checking the reports on XX/XX/2022, it came to my notice that the Company, Georgia Student Finance Commission STILL has an account furnished on my reports. 

I am sick of this because it has lead to me being denied housing opportunities. My current lease ends in 12 days and I have nowhere to go because I keep getting denied ( PAID ) rental applications due to low credit score. 

Today along with this complaint, I am hereby providing you formal notice to cease any further communication regarding this account immediately, pursuant to my rights as per 15 USC 1692c ( c ). This includes but is not limited to telephone calls, emails, social media, or any XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I began Self in XXXX of 2020 in hopes of getting some extra points on my young credit score. 
My issues with this company began in XXXX of 2020 when I qualified for the Self secured card. 
I had issues receiving the card, and to this day have been sent 3 cards that magically ran into technical difficulties when trying to activate. 
There is no representatives available to speak to and after verifying my d.o.b, I encountered more technical difficulties and was immediately released from the call. 
I have several emails on record of me constantly getting automated messages in response to genuine concerns I have about the legitimacy of this company. 
None of my payments process on time and I keep getting {$15.00} late fees and this is even when I post my payments 4 days ahead of time ... I dont feel so good about this.
Product: Checking or savings account

I want to bring attention to a series of fraudulent charges that have been made on my banking account. I have filed disputes regarding these charges but have not yet been reimbursed for the unauthorized transactions. 
Multiple credit cards, including XX/XX/XXXXXXXX, XX/XX/XXXX, XXXX XXXXXX/XX/XXXX, XXXX, XX/XX/XXXX XXXX XXXX, Wells Fargo XXXX XXXX XXXX and XXXX XXXX Pep Boy, were affected by these fraudulent charges. 
The fraudulent activities have been ongoing from XXXX to XXXX, leading to the closure of my Wells Fargo bank account due to the excessive number of fraud charges. 
Despite my efforts to dispute these charges with Wells Fargo 's customer service fraud department, they have informed me that the volume of charges is too high to handle individually. In light of this situation, I have taken the necessary steps to file a police report to document the fraudulent activity and provide evidence to Wells Fargo.

Because of the closure of my Wells Fargo account, my credit card payments were returned even though I had consistently made all payments on time. This has resulted in a negative impact on my credit report. 1 kindly request that Wells Fargo thoroughly investigate the fraudulent charges and reimburse me for the unauthorized transactions. Additionally, 1 urge them to take appropriate measures to rectify the negative impact on my credit report caused by the returned payments.

1 appreciate your prompt attention to this matter and look forward to a resolution that is fair and just.
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 to privacy and confidentiality under 15 USC 1681. 
XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 


15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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: Student loan

I graduated in 1996 and my loan was {$35000.00}. In the beginning, I was paying regularly but then had difficulty making the payments so I went into default. Additional fees and penalties of over {$15000.00} were applied. Then I got a new job and agreed to new payments that were automatically being taken out of my account over the course of 3 or 4 years. I then went to buy a house and was told I was in default! And I had been regularly making payments for years!! I called Navient and was told I was not on an " approved '' plan so it did not count as a " payment '' so my account was sent into default. They had never informed me that I was never on an approved payment plan or that I was in danger of being in default. And now, after even more penalties and fees, my loan is up to {$120000.00}!!! This is criminal in my opinion and should not be allowed to happen. My credit has been affected, if it was n't for this, my credit would be excellent. I 'm really hoping that the Trump administration will crackdown on these thieves and put a stop to this. I do n't mind paying what I owe but not this inflated figure with crazy interest and penalties!! I do n't know what to do, please point me in the right direction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all three Credit Bureaus/Agencies ( XXXX, Equifax, XXXX  ) and the Creditors ( XXXX/XXXX, ( 2 ) XXXX  XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX, XXXX/XXXX, XXXX XXXX  XXXX, XXXX XXXX ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately
Product: Credit card

After having a credit card account with this company and receiving a paper statement each month to pay my outstanding balance, I received notification from the company informing me that, going forward, I will be charged to continue receiving a paper statement with information such as amount due, date due, etc. How is an account holder that does not have consistent, readily available access to the company 's website, supposed to determine outstanding balance and date payment is due in order to avoid interest and late fees? I have credit card accounts with various other credit card providers and have never been forced to pay for a paper statement.
Product: Debt collection

THIS DEBT IS NOT MIND UNDER THE FCRA I REPORTED AND ASKED FOR PROOF THEY FAILED TO PROVIDE ACCORDING THE THE FCBA AS WELL I WANT IT REMOVED AND THEY NEVER PROVIDED PROOF NEVER HAD XXXX
Product: Debt collection

XXXX times per day, sometimes several different phone numbers even if just 1 day late.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, 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 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: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block Inc. ) due to inadequate customer services 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.