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

On XX/XX/XXXX I had a promise to pay credit acceptance XXXX for my car XXXX XXXX XXXX. On XX/XX/XXXX I paid XXXX on XX/XX/XXXX I paid XXXX and on XX/XX/XXXX since the website would not let me make a payment on the XXXX I paid XXXX have my car not paid in full. Well on XX/XX/XXXX I was about to go pick my son up and my car was gone! My car had been repoed. So I called credit acceptance and asked had they repoed my car cuz I paid my Carnot they said they did not have a repo out on my car to call the metro police to see if my car had been repoed. Well I called the police to see and they said yes it has I'm wondering why since last week I paid my car note. So wen I had called credit acceptance back they said my car was repoed since I paid on the XXXX not the XXXX but why would u take my money if I was past the promise to pay date. They also said they could not do anything that I would have to pay XXXX to get my car back and I jus gave them XXXX the week before sucks
Product: Money transfer, virtual currency, or money service

I came here today to file a complaint on CashApp ( 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

I have called multiple time letting XXXX know that I did authorized my credit to be run to apply for a credit card after speaking to them they advised me that they are not a credit company and they have no way of removing hard inquiries from report at all all they can do is close the application
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FCRA a company can not publish an inquiry on my report without my written consent. The following dates are inquiries on my report that I haven't submitted a written consent to : XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

XX/XX/2017 a loan was opened in my name. I received no money, goods, or services as a result of This identity theft. The account mention was the total of {$4700.00} dollars that so have no clue of where it came from. This account has caused hardship and ruined my credit.
Product: Debt collection

Credit card Debit from HSBC was paid in XXXX and credit bureaus removed the account from my credit bureau reports in XXXX. Removed from my husbands credit bureau reports for between XXXX. XXXX XXXX creditors continue to harass mu husband, myself, and other members of our family threatening to have us arrested, have us served papers, calling us names, using profanity and not providing exact company names and sometimes not providing good call back numbers. This has continued for 3 years now and it has got to stop. We have filed multiple complaints with FTC and all credit bureaus with no help. The state time law limits have passed and the evidence has gone and we need to be protected. The collector called my phone looking for my husband and said they were from XXXX XXXX and were going to sent someone to have my husband served and possible arrested if he did n't pay a bill that he is refusing to pay. The number on the caller ID was XXXX and the call back number she gave me was XXXX. When I explained that we had talked to an attorney already and the debt was paid years ago and I was happy to fax proof over, she stated they did n't operate with faxes. I have had to fax this proof and documentation to multiple companies over the years and I am sick of it. Please make it stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the 2015 OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX Balance : {$3900.00} CXXXX XXXXXXXX Balance : {$1200.00}
Product: Credit reporting or other personal consumer reports

This is in direct attention to the Fraudulent account that I have attached to this complaint thats being reported on my credit report it doesnt belong to me. And I would appreciate it you remove it immediately. As well as those inaccurate addresses. I do not live there nor do I receive mail there. Thank you.
Product: Money transfer, virtual currency, or money service

Problem : Requesting a physical check for the full balance in my PayPal account On XX/XX/2022, I called PayPal Customer Service at XXXX and talked with XXXX  who confirmed the PayPal Policy that a customer can " Request a check by mail ( Get it in 5-10 days for {$1.00} ) '', but she said that the customer must use the system to link debit/credit cards and a bank account number for an e-check to be transferred to my bank account. " Request a check by mail '' is NOT an e-check, as it involves sending a physical check via the U.S. Post Office. XXXX had already confirmed that the phone number I was calling from was on my account profile. Also, she could have asked me my mailing address and confirmed that it was correct on my account profile, but she did not. PayPal should be able to confirm a customer 's identity and mailing address via the phone, as other financial institutions do by asking questions. XXXX placed my call on hold at least twice, I'm assuming to talk to her supervisors. But to no avail, she insisted I use their system which clearly provides an option to click on to " Request a check by mail - Get it in 5-10 days for {$1.00} ''. See attached screen shot. But when I select it, it tries to force me to set up BOTH a debit/credit card and a bank account number. I suspect that what PayPal is really trying to do is prevent customers from closing their accounts. Having more services and products linked to the account prevents customers from closing their account. Given that my money in my PayPal account is NOT FDIC insured, I do not want to give them access to my bank routing and bank account number. No other financial institution requires me to sign up for more services or link other bank accounts to withdraw funds from my account when my intent is to close this account! 

They have denied me the ability to receive a physical check for the full amount in my PayPal account for {$1.00} fee on the call ; even though, I have a screen shot that clearly shows their company policy allows this. I also followed up with the same request to their email " XXXX '' after the call including a willingness to send them an image of my driver 's license, but as of XX/XX/2022 I have not received an email reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally Financial is reporting an erroneous 30 day late on my credit. I was NOT late for the month of XXXX and this error should have been corrected already as I was assured it would be by an Ally representative on XX/XX/XXXX. 
I have been making timely online payments via the ALLY website since the loan initiation date of XXXX of XXXX. My banking information ( account and routing numbers ) were saved on the Ally website and the payments were made each month accordingly. 
On XXXX XXXX I made a payment which was due XX/XX/XXXX in the same way as I had been doing for the last 12 months. On XX/XX/XXXX I was notified that payment was rejected and the reason provided was Your payment was returned because the name on the payment account you selected did not match the name on the account at the financial institution. 
I reached out to Ally and was informed that I should attempt to make another payment and I did so on XX/XX/XXXX. I didn't receive any further emails and assumed the payment went through without an issue. 
In mid XXXX, I received a notification from XXXX that I was marked 30 days late by Ally. 
At that point I reached out to Ally, and was advised by an Ally representative that the XX/XX/XXXX payment didn't go through due to a glitch in the Ally payment processing system ( please listen to all calls as I made several in XXXX of XXXX ). I WAS TOLD THAT MY PAYMENT DIDN'T ACTUALLY GO THROUGH AND THAT I NEED TO DELETE MY BANKING INFO FROM THE ALLY WEBSITE AND TO RE ENTER IT MANUALLY. I did as I was instructed and made another payment at that time. I was also informed by an Ally rep that any late reporting will be corrected since the issue was NOT WITH MY bank, but with the way ALLY was capturing online payments. There was a glitch in the ALLY system which prevented me from being able to make a payment with the same banking info that I had been using for all prior payments. I had to delete and reenter the banking info in order for it to work! 
Please correct the negative reporting for the month of XXXX as I was not late on my own accord, but rather due to a glitch with Allys payment processing system.
Product: Debt collection

( AR RESOURCES INC ) at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ) has been sending me collection notices in the amount of ( {$86.00} ). The collection has been reported as passed due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.
Product: Debt collection

I was contacted by XXXX XXXX about a debt she said I owed. She said in order for this debt to be sasitifed and not affect my CDL with the state of Texas I needed to pay XXXX dollars I told her not to contact me this was on XX/XX/XXXX I sent her a affidavit of identity theft and a police report in XX/XX/2018 as per FCRA 623 ( a ) ( 6 ) ( b ). And it is still on my credit report.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I began using Cash App more than usual. From that date to XX/XX/2022 Cash App virtually cancelled my transaction to specific individual. They gave several reasons for this. Every cancelled transaction they held on to the money stating my bank, XXXX would refund the money in 3 business days. In the Help section of their app it states " Refunded payments are returned instantlyto your Cash App balance if the funds were sent from your bank or Cash App balance. Clearly they don't appear to be doing this. I talked to XXXX customer service to see if there were any pending refunds on hold. They checked several of the cancelled transactions. She said she could see the two {$20.00} transactions. She stated Cash App has to initiate these two as well as the other amounts. Once that happens the money will be transferred to XXXX and the money will appear back into my account in 3 business days. I haven't totaled the refunds owed, but Cash App sat on these funds. This morning, XX/XX/2022 i relayed this information to Cash App. I will list the cancelled transactions and amounts below. 
XX/XX/XXXX @ XXXXXXXX XXXX for {$20.00}. Identifier # XXXX to XXXX XX/XX/XXXX @ XXXX XXXX for {$20.00}. Identifier # XXXX to XXXX XX/XX/XXXX @ XXXXXXXX XXXX for {$20.00}. Identifier # XXXX to XXXX XX/XX/XXXX @ XXXX XXXX for {$20.00}. Identifier # XXXX to XXXX XXXX XX/XX/XXXX @ XXXX XXXX for {$20.00}. Identifier # XXXX to XXXX XXXX XX/XX/XXXX @ XXXX AM for {$20.00}. Identifier # XXXX to XXXX XXXX XX/XX/XXXX @ XXXXXXXX XXXX  for {$50.00}. Identifier # XXXX to XXXX XXXX XX/XX/XXXX @ XXXXXXXX XXXX for {$20.00}. Identifier # XXXX to XXXX XXXX XX/XX/XXXX @ XXXX XXXX for {$20.00}. Identifier # XXXX to XXXX  These transactions total {$210.00} to be refunded.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account opened XX/XX/XXXX. 
Fraud occurred late XXXX. 
Company notified ... couldnt make payments for several months. 
Police reports submitted : all late payments reported to credit bureaus and then listed as charge off. ( Despite what they knew! 
Contacted in XX/XX/XXXX again explained situation and asked how to remove from reports. Was given a payment option. Made payment with promise of removal of charge off and late payments from report. 
They did not remove. I did pay. 
Ive been calling and writing them for over a year and still nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in 2016, I opened a credit card with COMENITY BANK/EXPRESS , I personally paid it off and closed the account. They will not take it off my credit report. They have no phone number to contact, only a po box . I have disputed with the company twice and they refuse to remove it from my credit. The highest amount was {$140.00}, and I never went over the amount they gave me.
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVED some of the information in my file that resulted from an erroneous credit information but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Again, Im sending over an Identity Theft Report XXXX XXXX  Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to remove any information in my file that resulted from an inaccurate credit file entry, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Please note that you have 4 business days to remove the reporting of any items in my credit file that resulted from an inaccurate credit file entry. I do not consent to E-OSCAR or any means of automated verification.
Product: Mortgage

I applied for a mortgage after I give all the documents, loan was pre- approved and my daughter spoke with with mortgage broker trying to an understanding of closing costs and mortgage payment, I believe their was misunderstanding between the mortgage broker and my daughter. After, my daughter apologized and the mortgage broker accepted the apology but he dont be surprised if I dont do the closing. For me he did that just because of my daughter. I am the customer not my daughter. So he call my son today to we not qualified and we are loosing {$5000.00} down payment. Its not fair. And he lied to by having someone called as vice-president of company, to let us know that he was fired. Broker name ( XXXX XXXX )
Product: Debt collection

XXXX XXXX gave an account to London and London and they sued me and sent the information to my job by court orders and they are ganishing my account after me disputing this years ago, I was not notify it went straight to my employer for wages garnish
Product: Credit card

I demand the prompt correction of this error. I kindly implore you to swiftly rectify this situation and guarantee that my account accurately represents my history of punctual payments.
Product: Debt collection

Self is trying to say they gave me a loan on my credit but I never used self or know anything about self. I don't owe anything to SELF! IVE NEVER HAD A LOAN BEFORE. I tried today to get one from XXXX because I work hard at XXXX but I've never got a loan or owe anyone for a loan. I never tried to get my credit fixed yet. Self shouldn't be trying to get anything from me I don't owe money to SELF
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be Inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 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 agency shall-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 li ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately Account : XXXX XXXX. XXXX, Account # XXXX This account is being reported inaccurately, please remove this from my credit report immediately
Product: Credit reporting or other personal consumer reports

According to the fair credit reporting act section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding the multiple unsuccessful attempts I have made to correct an accounts opening date on my credit report with 3 Credit Bureaus. The incorrect accounts opening date has resulted in inaccurate reporting that has negatively impacted my credit score. I first reported the issue and have subsequently made attempts to resolve the issue, providing the necessary supporting evidence and documentation to support my claim. I kindly request a thorough and immediate investigation into this matter to correct the reported accounts opening date. Furthermore, I insist on a written response outlining the steps taken, the results of the investigation, and a clear plan for the correction within the legally required timeframe. I expect that Credit Bureaus values accuracy and fairness in its credit reporting practices and is committed to ensuring the integrity of my credit report. I would appreciate a prompt response to this complaint. I am asking for your immediate assistance to correct the accounts immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX I turned in my lease to XXXX XXXX in XXXX OH. Vehicle was under milage and in excellent condition. I purchase another vehicle from this dealer. I received a letter from GM financial stating they received the vehicle from XXXX XXXX. I never had any other billing statements from GM financial. 
On XX/XX/XXXX i received a notification from XXXX XXXX regarding a change to my credit. GM financial had put a late payment on the credit report. On XX/XX/XXXX I called GM financial and was told i had an outstanding termination bill for a Disposition Fee. I explained to XXXX Badge Number XXXX that there was a billing error and never received any notifications. I asked for her to remedy the situation by removing the mark. She declined. I still immediately paid the balance in full and felt very betrayed by General Motors whom I've purchase 8 brand new vehicles from.

I was told GM financial mails only 1 statement for end of lease. Even after the original due date GM financial made no attempts to contact me. After the lease i periodically checked the online payment portal and my balance was always XXXX Paid in full. XXXX told me end of lease charges are not linked to there own online payment site. 
This charge was not a reoccurring installment loan. Being a 1 time bill GM financial did not act in good faith to collect. I don't believe 1 statement for a non installment load is correct under the Fair Credit Billing Act. GM Financial has since marked the account as closed to credit bureaus but has insisted the late payment stands. On my credit report prior to GM Financial i had 100 %, 248 month consecutive payment history. I am seeking removal of late payment do to " Billing Error ''
Product: Bank account or service

Hello! My name is XXXX XXXX and U have a credit cash rewards card with US bank and I earned XXXX $ rewards card on XX/XX/XXXX and I never got it! Placed a multiple calls in XX/XX/XXXX, then in XX/XX/XXXX - hours on hold ... get transfers to differend departments and it seemed like nobody new what was going on. Finally got a call from supervisor 2 weeks ago and as per supervisor I would receive my replacement card within 7-14 days. Today is 15th day and I am in the Bank ( 1.5 hours!!! ) to find out if my replacement card was sent and same story - no one know what is going on!!! The card was n't sent to me, and nobody has an answer why. I am in the bank and they gave me a phone, I am on hold again ( XXXX person ) and I have to explain to each one over over hat happened, It 's so crazy! I am tired and I want to cry!!! I lost any trust to this bank and want to ivastigate what is going on in this bank, because all this way to fishy ... Thank you!