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

I am a victim of the XX/XX/XXXX Equifax data breach and I have tried to call Equifax to speak with someone about a disputed item on my credit report to no avail, every time I call they transfer the call to someone who can't speak English, so I can't understand what he/she is saying, thus can't repair the issue.  My latest attempted contact was Saturday XX/XX/XXXX and I spoke with three different people and when I ask to be transferred to the supervisor, (in the United States, who can speak english), I was put on hold, eventually the phone hung up after 30 minutes or so of waiting online.  I have an unsecured loan account with XXXX XXXX XXXX XXXX that is no longer open (paid off), and it is still reporting on Equifax as owing XXXX, but it was paid off a couple of months ago and is closed.  I have tried to correct it with XXXX XXXX XXXX XXXX as well as Equifax Credit bureau, to no avail.  ON the credit bureau report it list the account as being open, current, and $XXXX due each month, with a high balance of XXXX, of a unsecured Loan. The account number is XXXX, paid off in XXXX or XXXX, XXXX, it doesn't help the credit score saying that I still owe on that loan.  There has been no recent update reporting as of XX/XX/XXXX.  If Equifax wants to help people, it needs to have reps who can speak English, since it is an American Company, in the call centers.
Product: Payday loan, title loan, or personal loan

Scheduled final payment of {$750.00} to be withdrawn from acct on XX/XX/2020 After talking with my partner we decided to make our final payment of {$750.00} on XX/XX/2020. On XX/XX/2020 OneMain withdrew {$750.00} from our acct. I was not given a reason why only that an overage check was approved on XX/XX/2020 but company policy said there has to be a 14 day waiting period before my check is mailed to me.
Product: Payday loan, title loan, or personal loan

On XXXX XXXX I applied for a Personal Loan in XXXX. At next day the company called me for an interview, I requested on the call for a person who speaks XXXX, because my XXXX is not fluent. They said that they don't have any person who speaks XXXX, so I spoke with her interviewer. My first disappointment was when she asked me for my XXXX XXXX, when I clearly marked on the Loan Application that I am a XXXX XXXX. They requested by email proof of my income and again proof of my XXXX XXXX. Against my will I sent a copy of my XXXX XXXX. Two hours later I received an email with a deny notice of my loan application, saying that they are " unable to verify information on application '' and " insufficient income and/or assets for loan amount requested ''. My income is more than enough for the personal loan that I requested. 
With this being said, this case seems as a case of XXXX  and XXXX  towards us because we are XXXX. Please I ask to the CFPB to do a certain investigation in this company. ( My credit score is XXXX and I will submit a document showing proof of my credit score ).
Product: Credit reporting or other personal consumer reports

I'VE RECENTLY CHECKED MY CREDIT REPORT AND OBSERVED SOME UNAUTHORIZED INQUIRIES STILL REPORTING. 

Equifax 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Please remove this unauthorized inquiry from my credit report. 
2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2023 Please remove this unauthorized inquiry from my credit report. 

XXXX 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2023 Please remove this unauthorized inquiry from my credit report. 
2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2023 Please remove this unauthorized inquiry from my credit report
Product: Credit reporting or other personal consumer reports

LVNV Funding LLC XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Re : Account Number : XXXX, XXXX To the violators : All credit Reporting Companies and XXXX XXXX XXXX , Ceo of Lvnv Funding LLC , I am writing to formally notify you of an estoppel regarding the above-partial referenced accounts. Based on the following grounds, I assert that your business LVNV Funding LLC is estopped from pursuing any further collection actions against me : 1. Remove your report on my accounting history immediately you are to proof of credit Application applied/Approved to you Directly from the beneficiary.

2. The beneficiary relies on the consumer credit report to monitor my consumer credit transactions, not third party investors on my Private Banking statements. This is a direct violation to my FCRA Rights to Publish ANY PRIVATE Banking Statements to Public Accounts. Per Sec file number XXXX XXXX XXXX XXXX XXXX XXXX the proposed Creditor over the Account is in fact a Broker-Dealer registered under the SEC. The Companys Primary Clearing Broker XXXX XXXX XXXX XXXX ( XXXX ) has a Piggyback Relationship for Clearing and Custody with The Creditor in Question. XXXX Bundles and Trades the Notes from other Entities and Routes them for Custody and Clearing. The Company Doesnt hold any Beneficiarys Funds or Securities and promptly Transmitted the Beneficiary 's Funds or Securities to the clearing Broker-Dealer for Resale and Underwriting.

Given these circumstances, it would be unjust and inequitable for LVNV Funding LLC to continue to assert this debt If a T Person is not under an obligation to do something, equity assumes they intend to fulfill it. I have never signed an agreement with. If a wrong has occurred, there should be a remedy available to address it. The individual is also a consumer with respect to the other financial institutions involved. An individual who has a loan in which you have ownership or servicing rights is your consumer, even if you, or another institution with those rights, hire an agent to collect on the loan. An individual who applies to you for credit for personal, family, or household purposes is a consumer of a financial service, regardless of whether the credit is extended. I have no record of application for credit From LVNV Funding LLC. The Beneficiary does not, however, have a continuing relationship with you if : XXXX XXXX sold the beneficiary 's loan account and do not retain the rights to service that loan ; Nor does the Collection Agent ( LVNV Funding LLC ) have a right to collect.

The sale constitutes paid in full and the account is in FACT CLOSED. This Private Data Should not have been leaked in anyway. Nonpublic personal information means : Personally identifiable financial information, that is derived using any personally identifiable financial information that is not publicly available. Payments and partial Account numbers traced back to a CLOSED ACCOUNT. initial notice to a consumer is not required When : You do not disclose any nonpublic personal information about the consumer to any nonaffiliated third party, other than as authorized
Product: Money transfer, virtual currency, or money service

I wish to use your organizations service, seeking a formal, impartial investigation to amicably settle my dispute with Commerce Bank, which failed to respond to any of my complaints since XXXX last year. 

Please see the attached XXXX XXXX
Product: Vehicle loan or lease

XXXX   XXXX   a   XXXX   year old man went in to Nissan to purchase a car and was talked into a lease. Not quite understanding, he thought he was purchasing the car, therefore, he grossly overpaid the contract.   XXXX   XXXX    was asked to return the car back to the dealership under the guise they could get more money in the sale. Without speaking to   XXXX   XXXX   and providing the amount the car sold for, Nissan turned him over to a collection agency for some outrages amount. This is the second complaint we have made to this company regarding Nissan Acceptance Corp, the first one was rejected by Nissan as they had no authorization. Please be assured one is attached along with the supporting papers of the customer being taken advantage by Elder Abuse. While securing the authorization, we had a chance to research prior complaints which seen to be in abundance and concentrated on the elderly..
Product: Mortgage

Wells Fargo charged me for an appraisal fee of {$410.00} for refinancing my mortgage, We never closed on the loan, I withdrew my application before the appraisal was even scheduled and loan processing was never completed and Wells never refunded me my money back. 
I withdrew my application from Wells Fargo because their rates and closing fees were higher than other banks. 
I emailed the company and their representatives XXXX XXXX numerous times but they have declined to response. 
I cant understand why they would charge a appraisal fee even though no appraisal was done.
Product: Checking or savings account

I am formally contesting the following transactions, which Chime has denied in violation of my consumer rights : XX/XX/XXXX, {$XXXX} to XXXX XXXX  XXXX ( XXXX ) : This transaction represents a purchase of event tickets. I contend that the merchant engaged in deceptive and unfair trade practices, specifically price gouging, which constitutes a material misrepresentation. Furthermore, the merchant 's prior published refund policy, upon which I relied when making the purchase, was subsequently abrogated, resulting in financial detriment. This constitutes a breach of implied contract and a violation of consumer protection principles. I assert that Chime 's denial of my dispute demonstrates a failure to conduct a reasonable investigation and a disregard for my rights as a consumer to be protected from unfair and deceptive practices. 
XX/XX/XXXX, {$XXXX} to XXXX XXXX ( XXXX transactions totaling this amount ) : These transactions were for services that have not been rendered as of XX/XX/XXXX. This constitutes a failure of consideration and a breach of contract. Chime 's refusal to reverse these charges demonstrates a failure to uphold its obligations under the Electronic Fund Transfer Act ( XXXX ) and Regulation XXXX, which mandate that financial institutions investigate and resolve errors promptly. I demand that Chime comply with its obligations under these regulations and reverse these unauthorized and erroneous transactions. 
Chime 's actions constitute a pattern of unfair dispute resolution practices, demonstrating a disregard for consumer protection laws. I assert that Chime has failed to provide a reasonable investigation of my disputes, and that they have failed to provide me with a reasonable opportunity to correct errors on my account. I believe that Chime has acted in bad faith. I am requesting that the CFPB investigate Chimes actions for potential violations of the XXXX, Regulation XXXX, and other applicable consumer protection laws. I am also requesting that the CFPB investigate Chimes dispute resolution process for unfair, deceptive, or abusive acts or practices ( UDAAP )
Product: Bank account or service

My father died in XXXX, 2015 leaving his assets in a trust. As successor trustee I am liquidating all of the assets and distributing the proceeds to the beneficiaries of the trust. I have had trouble doing so with XXXX asset, a certificate of deposit with e-loan bank. I first sent the required information to what turned out to be the wrong address for the bank on XXXX XXXX, 2015. I resent all of the information ( death certificates, trust information, instructions ) to the correct address on XXXX XXXX. When I had not heard anything, I called e-loan bank around XXXX/XXXX/2015. I was told that the letter of instruction had to be notarized. In my previous conversations, I was not told this requirement and none of the other banks I worked with required this. 

I sent the notarized letter of instruction to E-Loan bank on XXXX/XXXX/2015. On approximately XXXX/XXXX/2015 I called e-loan bank and was told that my letter of instructions had not been received. It turns out that all of the offices of e-loan bank are located in XXXX XXXX, XXXX XXXX even though their mailing address is in XXXX XXXX, XXXX. The representative told me they were having trouble getting mail from the XXXX XXXX office. I had another letter notarized and tried sending it directly to the XXXX XXXX office at the address I was given but it was return undeliverable. 

On approximately XXXX/XXXX/2015 I again called e-loan bank and was told that my letter had been received and had been sent to the legal department for research. When no check had been received on XXXX/XXXX/2015, I called once again and was told the check had been mailed on XXXX/XXXX/2015. It is now XXXX/XXXX/2015 and the check has not arrived. It is not possible to speak with anyone at e-loan bank who has any authority. There is apparently no one in the United States I can communicate with. When the account was opened, there was no indication that this bank was anything but a bank operated totally within the United States.
Product: Credit reporting, credit repair services, or other personal consumer reports

A credit card company ( CBNA ) incorrectly made a hard inquiry on my credit report. I had gone online to request a credit limit increase on their website.

The site notes : " We will not obtain a credit bureau report to evaluate your request, and you will receive a decision instantly. '' *Neither of these statements were accurate. They did make a hard inquiry to the credit bureau & did not give me an instant decision.

I have attempted to resolve this unsuccessfully with CBNA for over a month. After numerous phone conversations and online chats, I have received a letter from them stating : " We are unable to remove the inquiry from your credit bureau report. '' The hard inquiry was made on XX/XX/2021.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX have 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 an 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 or other personal consumer reports

I am writing to formally file a complaint regarding the inaccurate and delayed reporting of my mortgage account to your credit reporting agency. I have recently reviewed my credit report and noticed that my mortgage payment history, specifically for the following months was not reported accurately and as a result was reported late. 
30 Days Late : XXXX, and XXXX 60 Days Late : XXXX, and XXXX My mortgage account number is XXXX, and I have always made timely payments in accordance with my agreement with Rushmore Servicing. However, despite my consistent payment history, this information does not appear to have been reported to your agency in a timely manner. 
The inaccurate reporting is resulting from Rushmore Servicing Escrow Analysis incorrectly collecting property taxes. They have finally corrected the escrow analysis, and updated my payments, but have yet to credit the overage from the County. The County has already sent the refund back to Rushmore Servicing, but Rushmore has not applied the credit to may account. Each time I make the correct payment, they are not applying the payment to the monthly amount due, which is further causing more lates and more service fees to be added. Attached to this letter is my proof of payments, Communication with the County on Tax Credit. I can provide the emails, but will need the ability to forward them to you directly. 
The failure to accurately report my mortgage payments is negatively affecting my credit score and is not reflective of my financial responsibility. As a result, I am requesting that you investigate this matter immediately and update my credit report to reflect my true payment history. 
I also kindly request that you provide me with written confirmation that this issue has been resolved and that the late payment ( s ) are corrected on my credit report.

Please consider this letter a formal request for an investigation and correction, as required under the Fair Credit Reporting Act ( FCRA ). I expect this matter to be resolved promptly and for my credit report to be updated within the legally required 30-day timeframe. 
Thank you for your attention to this matter. I look forward to your prompt response and the resolution of this issue. 
Sincerely,
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 violates 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 was unfair and deceptive, as they did 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 l.
Product: Vehicle loan or lease

IN XX/XX/XXXX, i received a letter regarding a " Class Action '' suite , involving the illegal placement of a CPI policy placed on my XXXX XXXX XXXX XXXX that i purchase in XXXX. That letter i received instructed me to provide proof of insurance during the time of the " CPI Policy '' ( policy # XXXX effective XX/XX/XXXX-XX/XX/XXXX ). I contacted the XXXX by phone, and provided the insurance policy number during this time of coverage ( XX/XX/XXXX-XX/XX/XXXX ). I was instructed to wait 180 days to allow for investigation and review. 

In XX/XX/XXXX, I received a letter dated XX/XX/XXXX, informing me based upon the information i provided, they determined it was necessary to place the CPI policies during the dates listed ( XX/XX/XXXX-XX/XX/XXXX ; therefore, i was denied compensation. 

With that being said, I am filing a complaint against, Wells Fargo Auto, CPI Payment Program because of the following points.

1. I complied with their request and provided the necessary insurance information requested ; 2. I absolutely had full coverage insurance for the duration of my loan with Wells Fargo.

3. Dates of insurance coverage was provided to Wells Fargo for a second time on XX/XX/XXXX. 

My claim should not be denied because the insurance company 's records don't go back that far. Additionally, when i requested information regarding the CPI policy from Wells Fargo, CPI Department, they where unable to access the file due to the age of it. With all this being said, this does not warrant a denial.

Wells Fargo waited 10-15 years after they placed the illegal CPI on my loan, and the insurance company doesn't keep records that far  back. It is in my opinion, Wells FArgo knows that, and maliciously using the stated 180 days ( allotted for review of claims ) per their statement, to delay payment to those like myself.

Lastly, my claim should not have been denied because Wells Fargo took so long to admit their wrong doing and based upon this and, the above facts, I am due restitution for the illegal CPI that I paid.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XXXX XX/XX/XXXX Rent Recovery Solution XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX NOTICE OF INTENT TO SUE Dear Sir/Madam, I am writing to express my intent to take legal action against Rent Recovery Solutions for violations of the Fair Credit Reporting Act ( FCRA ) and other applicable laws. Rent Recovery Solutions has failed to comply with laws outlined in the FCRA, resulting in several violations of my consumer rights. This is an ongoing issue regarding the debt that you are attempting to collect on behalf of XXXX XXXX. It has come to my attention that the original creditor has written off the debt, which means that I am no longer responsible for it by law. 

I would like to point out that, as I have no legal contract with Rent Recovery Solutions Inc. It is against the law to enforce a voided contract. Once a debt has been written off by the original creditor, the responsibility for the debt no longer lies with me. Therefore, I am requesting that you provide proof that I have a legal binding contract with Rent Recovery Solutions proving that the debt is owed to your company. If you are unable to provide such proof, you are required by law to cease reporting a fictitious debt that is not legally binding to your company. This is consumer fraud and I am willing to protect myself at the fullest extent of the law. 

These actions have resulted in harm to my reputation, financial standing, and overall well-being. Rent Recovery Solutions conduct constitutes violations of 15 USC 1611 criminal liability, 15 USC 1681n civil liability for willful noncompliance, punitive damages, deceptive practices, negligence, and defamation of character under permissible purpose 15 USC 1681. I demand that Rent Recovery Solutions take immediate corrective action to rectify the inaccuracies in my credit report and provide compensation for the damages I have suffered as a result of their actions. If Rent Recovery Solutions is unwilling to settle this matter, I am prepared to take legal action to hold you accountable for your violations of the law with {$1000.00} per violation. 

I would appreciate your prompt response to this matter and ask that you cease all attempts to collect on this debt until such time as you can provide the necessary documentation. 
Thank you for your attention to this matter. 

Sincerely, XXXX XXXX