23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

We received a letter saying ou r Chase Private Client accounts w ould be frozen if we did not call their compliance department. Once we called, they wanted information about other banking and brokerage relationships we maintain. They also wanted income information. We called twice. The process was ridiculous. We were unsuccessful in escalating a complaint about the process. We will simply withdraw our money and close the account. Compliance people should not touch customers!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of moving so today XX/XX/20 I applied at XXXX XXXX apartments and I was told that I was not eligible to rent an apartment there because of some accounts and inquiries reflecting badly on my credit history. None of those accounts/inquiries belong to me nor did I ever give anyone permission to open those accounts in my name. I have no idea who could have stolen my personal information to open these accounts but I have already filed a police report. I did not benefit anything from these accounts and I did not make any payments towards these accounts. I have never had any written/verbal contracts with any of these companies.
Product: Credit reporting or other personal consumer reports

Please remove and block the unauthorized accounts from my credit report as soon as possible. I did not open or approve these accounts and have no knowledge of their origins. In compliance with XXXX XXXX, I am formally requesting their removal within XXXX  days. Enclosed are the necessary documents for your review and reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being. I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed be removed because According to 15 USC 1681 : I have the right to privacy and I did not give XXXX written permission to furnish these accounts. 

Account:XXXX XXXXXXXX XXXX XXXX XXXX XXXX AccountXXXX XXXX XXXX XXXX XXXX Account:XXXX XXXX XXXX XXXX XXXX Account : XXXX & XXXX XXXX XXXX Account : XXXX Division of child support Account : USBK court XXXX XXXX XXXX Docket # XXXX address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, ny, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Spoke with Capital One Walmart credit card about Covid19 Disaster and they put me under the program not to report me late for XX/XX/2020 and to waive the monthly payment. I just received credit report and they reported me 30 day late. I called back in around XX/XX/XXXX and they could not help me or transfer me to the department to work this out.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with XXXX XXXX # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Please remove the following items off of my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} JXXXX XXXX Balance Owed : {$1100.00} XXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. Under the Fair Credit Reporting Acy section 605b, you are expected to remove the disputed items since these items resulted due to identity theft. I am requesting that you comply with the law and remove the disputed items as soon as possible.
Product: Vehicle loan or lease

I have a XXXX XXXX car that was purchased in XX/XX/XXXX and I paid off the loan in XX/XX/XXXX. The BMW financial service handled the loan and I have a lien on my title. In Maryland, in order to remove the lien on my car 's title, BMW has to mail me a lien removal letter with the original loan amount and date and the loan release date. I contacted with them multiple times to request the correct letter. They mailed me two letters without the original loan amount and date on the title, and I brought them to XXXX and none of them are qualified. I show them XXXX 's requirement of lien removal letter, but they refused to provide me the CORRECT document and keep saying the WRONG documents they sent me is correct. 

First, they are CHEATING the customers about the incorrect lien release letter. 
Second, they intended to not give me the CORRECT documents and asked me to try many XXXX to see if I have some luck. 
Third, they are unwilling to make any effort to serve the customer. The effort meant by me is simply including the correct information on legal documents. 
Second, their refusal prevents me from selling my car.
Product: Money transfer, virtual currency, or money service

Good morning, My name is XXXX XXXX and I have been a XXXX customer for a while. I was last year a victim of Zelle scam. I moved to a new location for university and attempted to find an apartment. I was shown an apartment which turned out to be a scam. The " leasing agent '' requested to make the payments over Zelle, I made multiple payments over a few days. I wanted to see the apartment before and they " showed '' me an apartment which turned out not to actually be a real unit that was available. I made a payment in total of {$2300.00}. I attempted to use the normal police, and zelle channels to get the money back. Then I turned to XXXX. However their XXXX " investigations '' just said that " I paid the money '' therefore I am liable. However there has been much coverage, new rules, and laws zelle scams. 
Zelle is refusing to talk to me and says they can not do anything for scams. XXXX relies on Zelle 's policy and says there is nothing they can do
Product: Credit reporting, credit repair services, or other personal consumer reports

I took a mortgage in XX/XX/XXXX, I bought my house through a company called XXXX XXXX XXXX, they sold the loan to a company called XXXX XXXX XXXX they report me on the credit report at XX/XX/XXXX. 
in XXXX another company report me to the credit report that called XXXX XXXX XXXX XXXX. 
now the situation I have on my credit report two mortgage loans two companies claim my loan. 
- what I did? 
1- I called XXXX XXXX XXXX they inform me that they will sold the loan to XXXX XXXX XXXX XXXX. on XX/XX/XXXX not in XX/XX/XXXX and they collect my payment until XX/XX/XXXX. 
2- I called XXXX XXXX XXXX XXXX. they claim that they own the loan from that date and they able to report me to the credit bureau since XX/XX/XXXX. 

- current situation : 1- two company claim my mortgage 2- because of the big amount reported to the credit report my credit score went down 36 point. 
3- I can't take any loan because of the big decrease in my credit score.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, Transunion, XXXX and XXXX have received documents as required by the fair credit reporting act that state I am a victim of identity theft, they have been sent to them for over 1 year, my credit score fell from XXXX to XXXX because XXXX XXXX, Transunion, XXXX and XXXX refuse to adhere to the fair credit act laws, I am unable to find a place to live and now forced to be homeless due to XXXX XXXX  Transunion, XXXX and XXXX, I am not qualified to receive any assistance at all over a matter that I was and am a victim of. 

All four corporations named XXXX XXXX, Transunion, XXXX and XXXX have violated my civil rights and fair credit law. I'm sending the information in for the 25th time and each time I have documented and saved each report filed, this has been going on for one year, I do not owe XXXX XXXX any money whatsoever, I did no just jump up and use {$5000.00} in credit, it makes no sense at all. 

XXXX XXXX, Transunion, XXXX and XXXX have forced me into homelessness
Product: Credit reporting or other personal consumer reports

This company is reporting inaccurate information on my credit report. This company Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this account. I demand to see hard solid proof from the creditor bank account that I didnt pay and was marked late, because this is clearly a billing error.

The items below should all be updated to paid as agreed on my consumer report. 
XXXX XXXX XXXX XXXX account ending in XXXX is reporting late from XX/XX/XXXX through XX/XX/XXXX XXXX XXXX XXXX XXXX account ending in XXXX is reporting late for XX/XX/XXXX and XX/XX/XXXX through XX/XX/XXXX. 
XXXX XXXX XXXX XXXX account ending in XXXX is reporting late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
XXXX XXXX XXXX account ending in XXXX is reporting late for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated.
Product: Debt collection

I DID NOT SET UP THIS ACCOUNT. THIS ACCOUNT IS FRAUDULENT. IT NEEDS TO BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY.
Product: Checking or savings account

XX/XX/XXXX I tried to contact US Bank to obtain bank statements for all of my closed accounts due to a pending divorce. After being on the phone for over 2 hours and after being transferred numerous times, I was told they only had record of one of my accounts ( I believe I had 8 accounts ). I was able to give them the account numbers for other accounts but they claimed they did not have any records. My savings and checking accounts were listed on the one account the bank was able to find, yet they still claimed they had no record of the account. I closed the accounts in XXXX and need documentation in the form of statements.
Product: Credit reporting or other personal consumer 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
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax, Per 15 U.S. Code 1679c states You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. You may, on your own, notify a credit bureau in writing that you dispute the accuracy of information in your credit file. The credit bureau must then reinvestigate and modify or remove inaccurate or incomplete information.. By law you are required to dispute and investigate anything that I deem inaccurate on my credit file.

This is my final attempt to have you willfully abide by the United States law before pursuing formal litigation against your corporation. I have sent numerous reports to your corporation and you have chosen not to comply with the United States law. Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card per 15 usc 1681 and 15 usc 1602 ( i ) is ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. CONGRESS SAID ANY CARD, In this case the credit card is my social security card. This card was used to originate every consumer credit transaction below. Every item listed below shall be removed from my credit file immediately pursuant to 15 usc 1681a ( 2 ) ( B ). Furthermore, I have never given your agency the written consent to furnish my credit report pursuant to 15 us 1681B-In accordance with the written instructions of the consumer to whom it relates. Again I am demanding that you remove these transactions from my credit file immediately as you are willingingly violating my rights as a federally protected consumer under title 15 chapter 41. Results of your deletion should only be delivered as a response to my CFPB complaint. If you deliver your deletion results anywhere outside of where I the consumer consented you WILL be fine XXXX for mail fraud pursuant to 18 U.S. Code 1342.

Continuing your non compliance will result in litigation and a {XXXX} fine per violation. 

Items to be deleted immediately : XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX from XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX from XX/XX/XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Financial Inquiry from XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX from XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to address a significant discrepancy on my ally auto loan account. It has come to my attention that ally reported my car loan as delinquent for the month of XX/XX/year>. However, this claim is inaccurate. 

The payment for XX/XX/year> was taken out of my account. Subsequently, I received a reimbursement check from Ally, with the explanation that the payment had been canceled. 

I have already provided proof that my account was reimbursed for the payment amount in question. Specifically, I received a returned payment check for the amount ally claim was never received. Ally team acknowledged this reimbursement during our previous communication, yet the delinquency status remains on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am 90 - 120 days past due on the XXXX and XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 10, 11, 12, and 13 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit card

XXXX with Wells Fargo entered claim XXXX XXXX for {$110.00} on my debit card # XXXX plus a {$3.00} fee XXXX. The line item said NON-WF ATM WITHDRAWAL AUTHORIZED ON XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
( I live in a retirement community called XXXX XXXX with approximately XXXX condos. I recognized the address as the Kings Point recreation clubhouse. A XXXX sqft facility. Having never used a non-WF machine before, as well as not even knowing they even had XXXX inquired at the front reception desk. The gentlemen said its to the right ( about XXXX feet ) hidden before the office door. 
I snapped a photo of the white labels on the XXXX wide machine. XXXX said Sales and XXXX XXXX XXXX ATM XXXX a division of XXXX XXXX XXXX XXXX XXXX The other said Operational Problems or Suspicious Activity Thiis terminal is Operated by XXXX XXXX XXXX and is Serviced by XXXX in compliance with all regulatory and network rules. In the event of operational problems or to report suspicious activity at this tern ] minal, please call customer service at XXXX. 
I left numerous voicemail messages with no return calls. I then contacted the Sales and Service number and XXXX XXXX answered and was vert forthcoming ( Direct cell XXXX ) and explained the following : XXXX. The machine is the last of the XXXX machines in the clubhouse remaining and it has been problematicand the other XXXX were too that were removed. 
XXXX. The fact that the machine only dispenses XXXX dollar bills makes a {$110.00} charge ( as well as the next XXXX of {$100.00} and {$110.00} ) impossible! 
XXXX. I later spoke to him again after the next XXXX incidents and XXXX new debit card now totaling {$340.00} including {$9.00} in fees. I dont understand wht the cards were inserted and supposedly mine why wouldnt the line item have my name as the owner of the cards instead of XXXX XXXX XXXX The office had no idea who XXXX XXXX was. I found the company in XXXX in XXXXXXXX XXXX 
XXXX second charge hit my checking account for {$100.00} plus {$3.00} fee on the new replacement debit card # XXXX at the same clubhouse address. 
BOTH CLAIMS WERE DENIED BY WF REPEATEDLY SAYING THE REASON IS : The card was used at a Non-WF machine! This was from the final person in the Escalation Team. When I asked for the documentation steps that were taken in the investigations she said she would send it back to XXXX and ask him to forward the information to me and to this date Ive received nothing. 
XXXX Third charge on replacement card # XXXX for {$110.00} plus {$3.00} NON-WF ATM WITHDRAWAL AUTHORIZED ON XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These XXXX cards never have never left my XXXX wallet and no one knows my pin. Im retired, XXXX XXXX XXXX and have never used a non WF atm in the XXXX plus years Ive XXXX with WF! The XXXX AGENCY for Regulation E filings repeatedly said to call WF and then hung up on me! WF has never responded to my Reg E requests.
Product: Debt collection

XXXX  is reporting a XXXX reposession on my credit report its been over 10 years thats should not be on my my credit report as XXXX XXXX XXXX was paid and transfered to cascade capital.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX using account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Consumer Loan

I initiated voluntary repossession on XXXX vehicle loans with USAA. On Friday, XXXX XXXX I received my first notice that the sales had been conducted. The notices included the balance of the loans not paid by the sales. The notices ( XXXX notice for each vehicle ) told me to contact USAA by XXXX XXXX and XXXX to setup payment plans. I called on XXXX XXXX to do this. Again on XXXX XXXX, XXXX, XXXX and XXXX. However, USAA had already referred my account to collections! I 'm being contacted by phone and mail by their collection company, XXXX XXXX as of Friday, XXXX XXXX! 
I have made every effort to cooperate with USAA throughout the voluntary repossession process and just want to set up my payment plans. Thank you.
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 measure 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 violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that my name is XXXX XXXX XXXX Im a natural person and consumer summiting this complaint as a victim of identity theft. According to the Gramm Leach Bailey Act lenders can not share my personal information with a third party and if they do they must give me XXXX XXXX XXXX an opt out form that allows me the option to opt out, of the contract. Which I was not given full discloser to protect the privacy and security of my non public personal information. XXXX, Equifax, and XXXX are in direct violation of the Fair Credit Reporting Act, The XXXX XXXX XXXX XXXX and pursuit to 15 U.S. Code 1681c-2 Block of information resulting from identity theft. I am making a very clear demand to remove all fraudulent account listed below on my consumer credit report, within the next 4 business days as stated by law. 

XXXX XXXX XXXXXXXX ACCOUNT # XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX # XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXXXXXX # XXXXXXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

Hi, My Name is XXXX XXXX. I am contacting you to inform you that I am a victim of multiple data breaches from Equifax and A Hospital therefore, I would need all of the accounts on my credit report that have been exposed, compromised, and/ or opened due to this to be blocked and permanently deleted pursuant to 15 USC 1681c-2 ( a ) within 4 Business Days
Product: Mortgage

I called CITIZENS ONE on three occasions enquiring about my annual refund from my ESCROW account and was told the check is on its way but to date it has not arrived. I am also querying the AMOUNT which is less than in prior years.
Product: Student loan

I called to discuss lowering my payments to an amount I could afford. Was told to fill out numerous forms online or create an account on Navient to do so. I stated I can't afford the amounts they keep suggesting.