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

Per the Privacy Act of 1974 and the Fair Credit Reporting Act, 15 USC 1681b, 604 Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates, 15 USC 6801 protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. As well as 15 USC 6802 Obligations with respect to disclosures of personal information, ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. As a federally protected consumer, I am now and in the future opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and non verbal as per 15 USC 6802.
Product: Credit reporting or other personal consumer reports

I recently receive my credit report and noticed that there is negative payment history on my file that inaccurately represents me. The accounts are NELNET student loans and late payments as far back as XXXX and XXXX. 

The dates that are reporting inaccurately XXXX - ( XXXX, XXXX, XXXX ) XXXX - ( XXXX, XXXX, XXXX, XXXX ) These accounts violate the FCRA laws and inaccurately represents my credit profile. 

Can you give me assistance with this?
Product: Credit reporting, credit repair services, or other personal consumer reports

submit dispute about correcting name and current address on XX/XX/20 delivered by certified mail delivered on XX/XX/20. Received report back with deleted addresses, until this day addresses that are not deliverable to me by XXXX. are still on my profile. 

Sent a dispute letter on XX/XX/20 received certified mail on XX/XX/20 and still have not heard back from XXXX. And XX/XX/20. 

XXXX, Trans Union was sent the same information on XX/XX/20, XX/XX/20 as well. 

Addresses were still being put on my credit report that was not mine even after I told them I never stayed at the addresses. I was also unable to verify my identity on the phone due to the wrong information in my credit profile.
Product: Credit card

On XX/XX/2024 at XXXX, I received a text message ( attached ) asking if I made a purchase at XXXX XXXX for {$4900.00}. I rarely use this card and it had a XXXX balance when I got the fraud alert from Wells Fargo. I was outside walking my dog when I got the fraud alert at my home address which is 24 miles from XXXX XXXX ( later discovered the charge was made at XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX ). The credit card was in my possession when I received the text message from Wells Fargo. I immediately replied back N in which I was prompted to call the Wells Fargo fraud protection phone number. I immediately called and talked to a fraud customer service representative and made a claim. The card ending in XXXX was cancelled and a new card assigned. Wells Fargo representative stated that I am not responsible for these charges. 

On XX/XX/2024, after receiving a replacement credit card for account ending in XXXX, I checked my online banking application and there was a balance of {$4000.00} on the newly assigned card. This is additionally confusing and incorrect to have a {$4000.00} balance in which it was originally the fraudulent charge of {$4900.00}. Keep in mind, I did not make this purchase in either amounts. The card has been at a XXXX balance for over one year. I spoke with XXXX in fraud protection and he stated that my claim was denied. He could not give me a reason. He told me to call the Wells Fargo claims phone number ( XXXX ) XXXX on Monday XX/XX/2024. 

On Monday, XX/XX/2024, I spoke with three different agents in the Wells Fargo claims center asking for updates and an explanation of denied claim. No one could give me an answer, so I asked to be elevated to a manager handling credit fraud claims. His name is XXXX. He told me that the claim is being reopened, but stated that it will take two to three weeks for this claim to be remedied, potentially affecting my credit. He could not supply any proof of my signature, any receipts for the fraudulent purchase made, and refused to give me any updates on claim status. Wells Fargo refuses to give me any documentation. On XX/XX/2024, I contacted the store where fraudulent purchases were made at XXXX XXXX ( XXXX ) XXXX, and the store manager refused to give me any information about the fraudulent purchase.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give anyone my permission to have my personal information about my past eviction history to be place on public information or given to anyone. I did not give any agency permission to use my information and have it on their reports.. I need to have my personal information private..
Product: Debt collection

On XX/XX/18, I was contacted by someone who later claimed to be " Mrs. XXXX '' at Collectron. She said that I owed $ 500+ for medical bills with XXXX XXXX XXXX They are a very large local company and cover a range of services. The date was from my XXXX on XX/XX/18. Previously, scammers have contacted me by phone and then emailed falsified insurance documents, from this same XXXX. The amounts, times and companies are not related, and I do not believe these cases to be related aside from perhaps a breach of my medical records at this time. 

I asked Mrs XXXX for mailed proof of the debt. She refused and then became hostile. I did quick research while on the phone and found that she was breaking the law with her refusal. I brought this up. She became more hostile. I told her to have a good day and goodbye. 

While this is most likely a non-existent debt, there's a rare chance that this is an employee who just doesn't know what she's doing. If that's the case. I do not want my credit to be harmed. I'm actively looking to purchase a new home in the next two months. 

In trying to take this up with the company, I found the CEO 's name and email online and emailed him the following : Good Afternoon XXXX, A person calling herself Mrs. XXXX just called me to collect a debt and said that she is from your company, Collectron. I  recognize the name of the company that she says I owe, but do not recall receiving bills from them. Rather than give payment to someone over the phone who could easily be a scammer, I asked her to send proof of the debt owed, which is my legal right. She refused and was extremely rude. This is a formal request for mailed proof of any debt that may be on file in my name at your company. If there is no debt, this is a formal request to receive written notification of a lack of debt. 

Thank you,
Product: Money transfer, virtual currency, or money service

I received emails from a company called " Moneylion ''. And they state that I have a new debit/pre pay card opened in my name and that I'll be receiving a physical card in the mail. I did not sign up for any such account and this appears to be a miss use of personal information for fraud purposes to try and collect fee 's from the unsuspecting account holder.
Product: Credit reporting or other personal consumer reports

inquiries were made in my name that i did not authorized. 
XXXX XXXX XX/XX/year> XXXX  XXXX via dealer XX/XX/year> they were removed from XXXX and XXXX  but not from XXXX
Product: Checking or savings account

Opening a checking account with M & T bank responding to an promotional offer. Mentioned the {$250.00} bonus and met all the requirements. However, the account only received a {$100.00} bonus. This shall be due to banker 's mistake or bonus system error.
Product: Credit reporting or other personal consumer reports

I paid my car loan off in full on XX/XX/XXXX in the amount of XXXX. But it says Im still in debt and idk why.
Product: Mortgage

SoFi.com advertises mortgages : https : //www.sofi.comXXXX They do not offer this product, even though this page claims they do and describes the product, and invites the user to " find my rate '', which " takes two minutes ''. Clicking leads to a form to create an account, then a series of detailed forms collecting personal information, work history, etc. After that, the website prints an error message that they don't offer mortgages. After this, they send an email with the subject " First, get pre-qualified in 2 minutes. For real. '' repeating the marketing claims from the web page and specifically saying they have " Dedicated mortgage loanofficers '' who will walk you through the process " to get prequalified and take the next big step toward a loan youlllove '' I used the " Contact the CEO '' link that's at the top of every page when logged in. ( It did not go to the CEO, it went to customer service. ) They eventually emailed to say " In an effort to provide the best possible experience for our members, we've made the decision to not originate purchase transactions at this time. ''
Product: Checking or savings account

On XX/XX/XXXX, my citibank bank account was closed without warning. 

About closed to {$2000.00} was deposited ( utilizing XXXX, depositing checks ). Upon calling their fraud center ; I was given no reason as to why my account was closed, and was told if there was any funding ; I am to expect a check within 30-60 business days. 

This is the second time in the last month I deposited utilizing their mobile deposit ; the first time they purposely blocked my access. It was blocked to protect themselves from any checks bouncing. And every single one of those checks posted and I was without pay for 3 weeks ( that caused late payments/fees to all my bills due around the end of XX/XX/XXXX, and beginning of XX/XX/XXXX ). I called several time and was told to wait 7-10 days and kept getting the work around. 

Anyways, I got on the phone at the end of third week from the day it was blocked and the gentlemen without question unblocked my access since every single check went through. 

Back now in XX/XX/XXXX, same mess instead they just closed my account.
Product: Debt collection

I noticed something wrong on my credit report I notice a company by the name of Security Credit Services was listed and stated that the account was opened XX/XX/XXXX and closed XX/XX/XXXX and I supposedly owe them {$1400.00} which is not true at all, I have no clue of what this is.So I sent security credit services a dispute letter on XX/XX/XXXX thru certified mail and they responded with a letter stating that the account was verified, How? it's not my debt, there is nothing with my signature on it making this phony contract legit I then contacted my lawyer and she told me to file a complaint with CFPB because the documents they sent me is not valid and those documents does not validate anything so here I am. Thanks
Product: Credit card or prepaid card

1 ) An ordinary monthly payment stated by and due to American Express was made in full by this 30+ year Amex cardholder on XXXX XXXX, XXXX. 
2 ) The amount due was {$580.00}. 
3 ) American Express received the payment made by check on XXXX XXXX, XXXX, and deposited the check on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, American Express emailed that they had received and been credited this payment. 
4 ) Nonetheless, American Express is falsely claiming through XX/XX/XXXX that this {$580.00} payment still is due. 
5 ) American Express is engaging in this billing fraud and billing harassment via email messages - including threats of credit bureau reports - USPS mail and during phone calls made to gain a corrected payment statement. 
6 ) Most recently, American Express mailed an unresponsive reply to my Amex-webmailed billing dispute, with a letter from XXXX XXXX that stated the {$580.00} was paid -- and still due.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Agency : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX Account Number XXXX has violated my rights 15 U.S.C 1681 Section 602 A state that I have a right to privacy. 

15 U.S.C 1681 Section 604 A states a consumer reporting agency can not furnish an account without my written instructions
Product: Vehicle loan or lease

Inquired with Exeter Finance on changing the due date for my auto loan I have with them. Spoke with a representative from their company via live chat directly from their website. 

I requested that the due date change from the XXXX of each month to the XXXX, which the agent said would work for my account as I was eligible for that. After the agent put the request through, the agent said it would take two business days to process.

I have waited longer than 2 business days and the due date still hasnt changed to the XXXX of each month. Which has caused the account to be 2 days late. 

Note on the website it says you are allowed to change the due date one time during the life of the loan.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( XXXX XXXX XXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). 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 loss, and I seek appropriate redress for these violations.
Product: Money transfer, virtual currency, or money service

This is illegal. Venmo will not release me my funds and is wrongly holding my funds and not releasing my money to me when i have not violated 1 term and condition. I received money from family and friends for the holidays. I owe rent and a car payment i can't wait 180 days for MY money i promise i will never use Venmo again after this poor service with customers. I have been back and forth with support team and specialist and no one will unfreeze my funds so i can transfer them out of my account to my bank. I'm done with the back and forth this needs to be resolved immediately this is very scam like activity from Venmo. I can't wait 180 days i have not done anything wrong i will end up homeless and not able to pay my bills because of venmo. They are holding {$2500.00} from me sent as a gift from my father. Help please. They stopped replying to me all together now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite that fact that it has been almost a year of me attempting to resolve this unauthorized inquiry, CPS still has not contacted XXXX  to have it removed as previously agreed. That is FRAUD at this point, XXXX  has no record of contact from CPS for me.
Product: Credit reporting or other personal consumer reports

I'm concerned about an unfamiliar inquiry on my credit report. I didn't authorize or consent to this company accessing my information, I'm trying to understand how and why this happened and it's causing me a lot of stress and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have no idea who Diversified Consultants Inc is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. Diversified Consultants Inc is indicating that an account with the account number XXXX was opened with their company in XX/XX/2018. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity.

2. Provide signed verification of each transaction that is part of the alleged cumulative debt.

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized Diversified Consultants Inc as third-party collection agent. 
4. Provide a true and correct copy of the instrument by which [ Diversified Consultants Inc } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ).

5. Provide the delegation of authority from the Director of the Office of Management Budget to Diversified Consultants Inc, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ).

6. Provide the Certified Assessment Certificate.

Violation ( s ) : * Failure to provide a notice prior to reporting  negative information to a credit reporting agency ( CRA ). 
* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ). 
* Failure to provide an Opt Out Notice. 
* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice. 
XXXX Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
Product: Credit reporting or other personal consumer reports

Lobel Financial {$16000.00} this account does not belong to me and the original creditor has yet to provide information and other documentation to support there claim.
Product: Student loan

Navient has been charging me late fees for several months despite my participation in automatic draft.
Product: Vehicle loan or lease

XXXX XXXX has entered vaguely described erroneous charges on my lease upon termination after I have turned in the vehicle at the end of the lease period. They have violated the lease contract in three distinct ways. I have both called and written to them pointing out the error, disputed these charges, and asked for a clarification of the charges. They failed to note that the account was disputed and have reported my account as delinquent without giving any response to my inquiry. 

They have sent demand letters from different locations, each time with different contact information. They have threatened to turn the account over for collection without ever contacting me to discuss the charges or explain exactly why they are charging me. 

The car was leased in my wife 's name, but since we turned in the car she has passed away. She did sign our dispute letter that was sent to the company soon after these charges were billed, and before her death. The company has made no attempt to resolve or even discuss our dispute.
Product: Checking or savings account

A series of fraudulent transactions were identified and reported in my checking account with XXXX, unauthorized AmEx XXXX, XXXX transactions XXXX totaling {$2100.00} were denied for reimbursement, beyond the " XXXX Reg E time limitation ''. Another XXXX unauthorized transactions totaling {$3800.00} which were reported within the XXXX limit were reimbursed. 

Of the denied transactions, I requested the ACH details, I have the ACH transaction trace number and requested AmericanExpress locate the transactions. American Express did not find record of the payments in my AmEx account ( not a surprise, they were fraudulent ). I asked to locate by trace number instead and they claim they are unable to locate transactions that way, only by account number and continue to redirect me back to work with the debit institution ( XXXX ), who keeps refusing as its beyond the XXXX XXXX time limitation. 

Clearly money was removed from my XXXX checking account, it apparently was routed to AmEx, we have the unique trace number, AmEx should be able to find the account and owner where the funds were deposited, but I am unable to get XXXX nor AmEx to actually trace where the money went so we can initiate recovery. Incredibly frustrating that we have the unique identifier to trace the questionable transaction yet both banks are refusing to engage, claiming a regulatory exemption.
Product: Credit card or prepaid card

I used my synchrony XXXX XXXX  card to make a purchase at Ashley furniture store. I ended up receiving a refund from Ashley furniture store on XXXX back on this card in the amount of XXXX. The card balance had been paid off for sometime now. So I did not owe anything. I chatted with synchrony on XXXX requesting a refund by check. Was told sure and that Itll take 7-15 business days. Well here we are XXXX ( 15business days later ) and no refund check. Have emailed asking and was told it was mailed on XXXX. I would like my refund as soon as possible as Ive waited the XXXX business days Also I called them again XXXX was told it was mailed XXXX not the original date I was told of XXXX so the XXXX business days will be XXXX. Here we are past the XXXX and no refund check! My synchrony XXXX XXXX has been paid off for some time now. XXXX store has already refunded me on my synchrony card for an exchange on XXXX. So now its up to synchrony to return my money. This is money owed to me and I would like my money asap. How hard is it to return money thats owed? Whats the hold up? Why tell people 7-15 business days for refund to arrive when it clearly wont? Will not use synchrony for anything again.