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

Dear XXXX XXXX XXXX ; XXXX ; Equifax ; and XXXX ; These are unfair entries on my credit report. I have been trying to get to the bottom of this account. I got into a car accident in XXXX on my XXXX, and the car was totaled my insurance told me not to worry about it and don't make a payment. I have proof that I still made the payments and your company refunded me over $ XXXX but yet told me that I was late during the month of XXXX and XX/XX/2023. How is that even possible? I believe this negative entry on my credit report is inaccurate because I have a record that my insurance company sent you {$42000.00} and i made a payment of {$3700.00} and other automatic payments of {$1200.00}... This monthly payment always comes out of my account religiously every month non-stop. How can you say that I missed a payment in XXXX and XXXX?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX or XXXX XXXX XXXX XXXX is reporting derogatory information to XXXX, XXXX and Transunion. The item does not belong to me and I have disputed this item ( s ) on at least two occasions, yet XXXX, XXXX XXXX and Transunion have failed to remove and or delete the derogatory information contained in my credit file. In addition, I have disputed the derogatory item ( s ) under The Fair Credit Reporting Act, specifically Section 609 FCRA, which requires XXXX to perform specific acts, including but not limited to producing the time and of the authorization to access my credit file, the actual credit file report and or copies of any and all contracts or agreements to referencing the alleged debt. Although duly noticed on at least two occasions, XXXX, XXXX XXXX and Transunion have failed to comply with The Fair Credit Reporting Act, specifically Section 609 FCRA and the requirements thereof. 

As of the submission of this complaint the derogatory item ( s ) pertaining to XXXX remain on my credit file, despite XXXX, XXXXXXXX XXXX and Transunion being noticed to comply with Section 609 FCRA. All of the aforementioned entities remain in collusion to not provide the required information under Section 609 FCRA. In short, XXXX has providing nothing despite my notices a XXXX demands and all are in violation of The Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against XXXX concerning the inaccurate reporting of negative claims on my consumer credit profile. I am deeply concerned about the accuracy and integrity of their reporting practices, as certain claims have been inadequately or un-demonstratedly asserted. 

My primary concerns are as follows : XXXX. Bankruptcy Reporting Discrepancy : After disputing the bankruptcy appearing on my credit report, LCI asserted that the information is accurate. I find this assertion questionable, as the court, the source of this information, explicitly stated in a letter ( attached herewith ) that they do not report any information to credit reporting agencies. The failure of LCI to validate this information with the source compromises the integrity of their reporting. 

XXXX. Privacy Act Violation : In accordance with the Privacy Act of 1974 XXXX ( XXXX ), no agency, including LCI, is allowed to disclose any record, such as bankruptcy information, contained in a system of records to any person or another agency ( XXXX, XXXX, or XXXX ) without the written request or prior written consent of the individual to whom the record pertains. I, XXXX XXXX, did not provide consent to LCI or any other agency to collect or share my personal information with XXXX, XXXX, or XXXX. I request the immediate deletion of this erroneous information from XXXX XXXX 's system and from all associated credit reporting agencies. 

I kindly request the Consumer Financial Protection Bureau to investigate these matters thoroughly and take appropriate action to ensure that LCI adheres to fair and accurate reporting practices. I believe that a resolution to these issues will not only rectify the inaccuracies in my credit profile but will also contribute to maintaining the integrity of the credit reporting system. 

Enclosed with this complaint, please find supporting documentation, including the letter from the court explicitly stating their non-reporting policy. 

Thank you for your prompt attention to this matter. I trust that the Consumer Financial Protection Bureau will handle this complaint with the diligence and seriousness it deserves. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the company numerous times and they can not provide any information on the validity of the debt. I was a customer of XXXX, but paid them off upon changing insurance providers. Several months later, the following appeared on my credit report showing a XXXX balance. I have contacted both the collection agency and XXXX with no response. I have submitted disputes with XXXX and the information comes back verified. 

The debt was paid before going to collections, the collections account was put on credit report starting with a XXXX balance, there has been XXXX validation from the agency nor any communication from them. 

-- {$0.00} Reported balance Original balance {$130.00} Opened XX/XX/2019 ( 3 yrs, 0 mos ) Original creditor name XXXX XXXX  CREDIT COLLECTION SERVIC XXXX XXXX XXXX XXXX, MA XXXX XXXX ( XXXX ) XXXX
Product: Payday loan, title loan, personal loan, or advance loan

It is XXXX XXXX XXXX on XX/XX/year> as I write this ; a XXXX  evening. This company has called me 11 times since last XXXX mostly when Im at work and can not be disturbed. Ive told them in the past that I plan to pay off my loan in full, but that theres another debt that I need to prioritize for another few weeks. They wont honor this, and the harassment has continued.
Product: Vehicle loan or lease

I purchased a vehicle in XXXX via my company. No banking information was provided to XXXX XXXX of XXXX. The loan was with TD Auto Finance. My husband and I have a personal account with TD for over 10 years. My first payment is due on my loan on XX/XX/year>2025. Td Auto finance has attempted to draft money from my husband and my personal account on two occasions. We have reached out the bank and TD Auto finance and both tell us they are not doing anything with our personal account.
Product: Mortgage

My loan was sold from XXXX to BSI mortgage and they have added {$10000.00} in fees to my account and will not remove them. I have sold my home and it is closing XXXX/XXXX/15 I need help to make them reduce the fees and follow the loan contract I have in force. XXXX XXXX XXXX or XXXXXXXXXXXX
Product: Debt collection

HUNTER WARFIELD DID NOT PROVIDE VALIDATING PAPER WORK STATING THAT THERE WAS A DEBT OWED ON MY BEHALF. THE INFORMATION THAT WAS SENT WAS A LEASE AND AN ITEMIZED STATEMENT OF CHARGES WITH NO RECEIPTS OR PICTURES TO PROVE THAT THAT THERE WAS A DEBT OWED TO ORIGINAL CREDITOR. ALSO THE PAPER WORK THAT THEY SENT DID NOT HAVE ANY VALIDATING SIGNATURES FROM ORIGINAL CREDITOR PLUS NO RECEIPTS AND NO PICTURES THAT WAS ORIGINALLY REQUESTED. HUNTER WARFIELD KEEPS REMOVING THE ACCOUNT AND REPLACING BACK ON MY CREDIT REPORT WITHOUT ANY VALIDATION PAPER WORK OR PROOF AND LEASE AND ITEMIZED STATEMENT IS NOT VALIDATING ANYTHING
Product: Mortgage

I was divorced in 2013, husband has house and XXXX  taken my name off the deed, but not off the mortgage with BB & T. He is telling me they say I need to sign a Quit Deed in order for him to remortgage. 
If my name is already off the deed, I dont see how this is necesary. I have sent them copy of divorce papers and called several times.Getting nowhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

While I was in the process of settling a dispute with my current landlord in XXXX 2017, I submitted an application on XXXX XXXX 2017 for tenancy to XXXX XXXX XXXX, who use sound screening. <P/>Sound screening obtained incorrect information from my landlord, for which I was denied tenancy at XXXX XXXX. <P/>The incorrect information is the record that I do n't pay rent on time, am ineligible for re-rent, and that in general I am a bad tenant. <P/>Later, once my current landlord and I reached an agreement, I resubmitted my application on XXXX XXXX 2017. Sound Screening failed to recognize the new information and I  again was denied tenancy at XXXX XXXX. <P/>I have a termination of tenancy agreement with my landlord, as well as a rental verification letter from my landlord - both of which are singed and notarized. <P/>This information needs to be corrected. <P/>Also I would like the incomplete information about my income verification be removed. The record states that Sound Screening was unable to contact and verify the information, so it should not be kept on record.
Product: Credit card

I did not authorize the following on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I just reviewed my consumer report and found that there are still unauthorized inquiries. I already communicate to TransUnion requesting for reinvestigation unfortunately the issue remains unresolved to this day. 

Transunion 1. The inquiry was not authorized XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/ Please remove it from my credit report. 
2. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
3. The inquiry was not authorized XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Product: Checking or savings account

I had fraud on my account in 2016 and Bank of America claimed my account is overdrawn {$11000.00} but I dont understand how. Theyve sent me the banking statements for that time period, but it doesnt add up and this situation is hindering me opening any bank accounts with any other banks.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 I made a transaction from my bank account {$1000.00} to Cypto app to transfer to XXXX exchange webinar. I was convince that we were making a good trades. I was told to put a more money in because there was a good deal coming up. so put more on Coinbase app on XX/XX/2023 to move over to XXXX. after making a good trades i was told to put more money in to the exchange another total of {$9900.00}. When doing the trades and made about XXXX millions USDT. When I was doing a withdraw i was told to pay the audit fee within 7 days or i will face fine and credit damage. In order to pay the audit fee i have pay for it by do the transaction for external wallet ( Crypto, Coinbase ) transfer to exchange. audit fee is total is {$26000.00}.
Product: Money transfer, virtual currency, or money service

I 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
Product: Credit card

On XX/XX/XXXX, I accidentally made 2 payments to my credit card account. One in the amount of XXXX and another in XXXX. However, until now, I still do not have any available credit to use, even though I already overpaid, which means that it is my own money. I called them twice, and the information I got from them was extremely inconsistent. One said that it only takes two business days to process my payment, but I'm still having a {$0.00} credit limit now. Another said that my payment is going through the verification process which can take up to 10 days. This means that I will not be able to use my fund for 10 days. I am totally disappointed by boa, especially when then security deposit of my previous card still haven't been returned to me after I closed it 3 month ago.
Product: Payday loan, title loan, or personal loan

I borrowed money against my home in a refinance to pay-off credit cards and loans. 
Sun Trust Bank XXXX LightStream was the bank I borrowed from, and the loan was secured my XXXX XXXX XXXX XXXX XXXX van. The original promissory note was drafted and signed on XX/XX/XXXX for $ XXXX 4.54 % for 60 months. Payments of {$260.00} were set up as an auto draft on the 28th of each month, with the first payment drafting on XX/XX/XXXX. No penalty for early pay off on this simple interest loan. The finance charge was to total {$1600.00}. 
During Covid-19, I received payments deferred for several months and there was to no penalties for this service. 9 months of Payments from XXXX were deferred that totaled in {$420.00} of interest accumulated from this deferral. This amount was remunerated by the XX/XX/XXXX payment in the amount of {$260.00} and on the XX/XX/XXXX payment in the amount of {$160.00}. ( Please see loan amortization document ) I asked for original amortization and did not receive it. This issue of interest is not my complaint. 
On XX/XX/XXXX, I printed out an invoice from the LightStream web site, that they provide to final figure for payoff, to print out. The invoice reads a payoff amount of {$7500.00}, and a copy of the invoice was attached to the check. 
I sent a check for {$7700.00} ( the check was drafted from XXXX XXXX, my title company that was utilized for my refinance closing ) on XX/XX/XXXX. The amount of {$7700.00} posted on my LightStream ledger on XX/XX/XXXX for some reason leaving me a balance of {$24.00}. Therefore, my interpretation of that document ( The Invoice ) is drastically different than whoever did the accounts receivable and evidently didn't look at ( The Invoice ) stapled to the check. Anytime within my life, personal or professional, a Payoff Amount means just that... no translation needed. Valid through date of XX/XX/XXXX was clearly stated on the invoice as well. They processed the check and posted in on the XXXX of XX/XX/XXXX. The system still processed another payment 4 days later, because someone did not honor LightStream 's own invoice and computer calculations and left the {$24.00} balance. Incidentally the balance is stated as the interest. I am essentially paying the loan approximately 20 months early. I did reach out to LightStream for some explanation and spoke with 3 individuals, one identified herself as being a supervisor. Not one of them would honor my request that they have their accountant reassess the figures. It makes no sense. They feel the auto debit was accurate and {$260.00} minus the {$24.00} equals a refund of {$230.00}. Apparently, their own invoice is disregarded.
Product: Credit reporting or other personal consumer reports

( XXXX, XXXX ), ( XX/XX/XXXX ). This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681 c-2 ) that you the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days you receiving this complaint. This fraudulent, inaccurate, and false information consists of an automobile account opened at XXXX XXXX on XX/XX/XXXX Account number ( XXXX ) This account has resulted in several fraudulent hard inquiries and fraudulent collections that is " written off '' meaning paid with a 1099 C and company did not provide any documentation to consumer. Every month fraudulent company is reporting on consumer report which is illegal and has no permissible purpose. Fraudulent collection ( s ) appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and hard inquiries are the result of identity theft and fraud.CREDIT BUREAU : EXPERIAN FRAUDULENT ACCOUNTS THAT ARE REPORTING ON CONSUMER REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ACCOUNTS DO NOT BEAR A WET INK SIGNATURE. EXPERIAN IS OBLIGATED BY THE FCRA TO REPORT ACCURATE ACCOUNTING CONSUMER HAS ADVISED ALL INQUIRIES REPORTED WAS FRAUD.COMPANY HAD 4 DAYS ACCORDING TO THE LAW TO REMOVE SUCH ITEMS. FTC FRAUD REPORT WAS FILED ON BEHALF OF THE CONSUMER, CONSUMER IS NOW REQUESTING EXPERIAN TO PROVIDE THE DOCUMENTATION USED TO DETERMINE INQUIRY AND OR ACCOUNT WAS INDEED AUTHORIZED BY THE CONSUMER. EXPERIAN HAS 15 DAYS TO PROVIDE ME WITH THE NAME OF THE PERSON ( S ) SPOKEN TO, DOCUMENTATION USED, SIGNED APPLICATION WITH CONSUMER WET INK SIGNATURE. CONSUMER IS NOT ASKING FOR E-OSCAR REPORT. BOTH XXXX XXXX AND XXXX HAVE REMOVED ALL FRAUDULENT ACCOUNTS FROM CONSUMER REPORT. IF EXPERIAN DOES NOT HAVE DOCUMENTATION TO SHOW THESE WERE IN FACT AUTHORIZED IT MUST BE REMOVED ASAP. SAID COMPANY IS LIABLE UNDER THE SEC TO FOLLOW CERTAIN RULES. EXPERIAN FILE NUMBER XXXX. EXPERIAN IS DOING BUSINESS AS ANOTHER NAME WHICH IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Registration Rights Agreement. XXXX XXXX entered into a registration rights agreement with Experian Information Solutions , Inc. Experian is a member of XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX  ), which in turn is a stockholder of XXXX XXXX XXXX XXXX the XXXX XXXXXXXX XXXX that owns the shares of. I WILL BE FILING FORM 211 TREASURY OMB FORMS TO AUDIT CONSUMERS ACCOUNT. EXPERIAN IS SECURITIZING CONSUMERS DATA YET REFUSE TO PROVIDE CONSUMER A COPY OF THEIR CONSUMER FILE NOT CONSUMER REPORT.
Product: Credit reporting or other personal consumer reports

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

Account Name XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX Account Name : 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 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: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX, XXXX XXXX XXXX XXXX XXXX, MO XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX , MO XXXX XX/XX/XXXX, XXXX XXXX XXXX Balance : {$560.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2900.00}, XXXX XXXX XXXX XXXX Balance : {$1100.00}, XXXX XXXX Balance : {$420.00} , XXXX XXXX Balance : {$400.00}, XXXX XXXX Balance : {$300.00}
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, especially in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit card or prepaid card

{$140.00} was taken from my actual bank account, leaving me negative. I do not use this prepaid card any longer and would like my money back.
Product: Credit reporting or other personal consumer reports

You are in Direct Violation of the Fair Credit Reporting Act - XXXX XXXX XXXX XXXXXXXX and BMW Financial Services has violated several of my rights. 

15 U.S.C 1681 section 602 A, Clearly states that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer can not furnish an 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 Remove these late payments and update this account immediately as you are in direct violation of serveral laws under The Fair Credit Reporting Act.
Product: Checking or savings account

Chime bank suspended my account on XX/XX/XXXX the same day my deposit for SSI in the amount of {$790.00} posted. Chime has since unsuspended my account, but my deposit isnt in my account. I called Chime and was told I didnt have a deposit. I called social security administration and was told the deposit was sent to my chime bank account. Chime is holding/keeping my SSI deposit. Please help me with this issue. Im on fixed income and I am currently battling XXXX. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to delete these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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