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

In XXXX XXXX of XXXX my partner at the time was in the market to purchase a car for his first base, as we are in the military and we move a lot. He then went to the XXXX XXXX XXXXXXXX XXXX  in XXXX XXXX South Carolina to purchase a USED XXXX XXXX XXXX XXXXXXXX for {$23000.00}. Unbeknownst to both of us the XXXX that was first agreed on after our credit check was drastically spiked up to 23.96 %. The payments monthly are {$680.00} for 72 months which would ultimately result in us paying {$50000.00} dollars in total for a used car only worth {$9000.00} to {$10000.00} according to XXXX. As military members we have looked into multiple resources to find a way out of this loan but unfortunately ended up falling into debt. The payments that were being made before it went into a charge off was about {$9000.00} with only approximately {$1000.00} paying off the principal and the rest going to the extremely high interest on the loan. I have reached out to the lender Santander Consumer to request a lower APR but was constantly given the run around and was harassed to make the payments or else. Fast forward to XX/XX/XXXX the car is still in his possession and Santander has been a pain to negotiate the payments with. They have also inaccurately reported the charges to both of our credit bureaus and when they were disputed nothing was changed to update the payments.
Product: Debt collection

Summit Receivables, a collection agency, has failed to honor cease and desist letter by contacting family, friends and employers regarding alleged debt. Agency also misrepresents itself by stating that a check to them was returned for insufficient funds. Company has also failed to send any notice to validate debt. Cease and Desist letter sent XXXX XXXX, 2015.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XX/XX/year> This isnt my account it has been reporting to this specific credit bureau and its not reporting on the others. I have a police report on file and it should have been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

the accounts listed do not belong to me someone use my social security number and photo id to open fraudulent accounts in my name as result i am victim of identity theft I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX   CRA & # 39 ; s. On XX/XX/2020, I mailed Equifax, XXXX   and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ).

They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Mortgage

Failed to disclose there were 3 modifications on the property and switched modifications on the last modification from a fixed rate to a step modification. See documents
Product: Consumer Loan

The loan agreement when I signed up for it was suppose to be paid once a month in the amount of {$140.00} and they are taking it every paycheck which is every two weeks, the other agreement when I applied was the pay back amount was going to be {$540.00} on a {$400.00} loan which is now closer to {$2000.00}. These are not the terms I had agreed to and they did not inform of such changes, I feel I was mislead and scammed, they completely changed the agreement and I 'm being told there is nothing I can do about it. Furthermore they say they are on tribal land so the laws do n't apply to them. The company is called Big Picture Loans.
Product: Credit reporting or other personal consumer reports

Ok i have been able to get into my equifax since XX/XX/year>2024 i have varfide and sent docs of my drivers linacne and ss and still cant get in they say everthing is ok but i still cant get my credit report online
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 measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

There were four different occasions resulting in a {$2300.00} loss.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I applied for a vehicle at XXXX XXXX XXXX XXXX XXXX  and was denied for having a repossession and credit report, said company above is attempting identity theft by not returning my application with my information on it.
Product: Credit reporting or other personal consumer reports

I got a used car from sames with the bank XXXX XXXX and I have given XXXX on time payments and they have not reported anything to the credit!! I called back in XXXXXXXX XXXX XXXXXXXX and they said they had fixed it but nothing!! Were in XXXXXXXX XXXX XXXXXXXX and they havent resolved anything!! 
I want to buy a house and get another vehicle and i cant because my credit is stuck and not accurate!! Im very mad and dissapointed i will never and encourage no one to use flagship credit!! I call and call and they say they are working on it and nothing ... Im certain that if i fail a payment they will report it fast!!!
Product: Checking or savings account

the banking company chime has it in their app that if you switch insurance companies you get a refund. i switched insurance companies, and they told me that it's not a thing, and have no idea what i'm talking about. 

i've attached screenshots from the app, and of both payments that were made. the old provider is XXXX XXXX, and the new provider is progressive.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I mailed the debt collector ( XXXX XXXX XXXX XXXX ) a debt validation letter. I have not yet received any communication from them. They are still reporting the debt to the credit Bureaus on XX/XX/XXXX which is the deadline for Their 30-day validation window. I would like the credit Bureau to open an investigation. That affirms I did not receive a proper debt validation that proves XXXX  are legitimate owners of the debt along with a signed contract or official document where I stated I am taking on the debt. Then I would like the credit Bureau to take the collection off my credit report. As is my right under the Fair Debt Collections Practices Act ( FDCPA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XX/XX/XXXX I received a TransUnion letter that showed its continuous persistence to violate my rights asserted under the FCRA and other applicable laws ( attached file of my personal information within TransUnion shows unauthorized and never existed before account with XXXX XXXX under description # XXXX. I disputed this account and Transunion just wanted to retaliate too against me in this directed blacklisting and retaliation from Some corporates of scam and fraud their end is soon and they will dissolve ). 


- - - I repeatedly proved with evidence that the only XXXX XXXX credit account that I had had the following description as shown in my attached Transunion Credit report of XX/XX/XXXX ( I also attached the exact page 27/35 of the credit report where information of the account located ) : # XXXX which Ive kept paying for its balance until this month I paid off ( see attached copies of payment checks ) and it was already closed by XXXX XXXX on XX/XX/XXXX according to XXXX XXXX itself and it is a different long detailed story of retaliation. I also attached my last check payments via Bill-pay service from my bank. The payments were all for account # XXXX. 

- ______________ Conclusion : Account # XXXX is missing from my credit report. 
Unauthorized account # XXXX is forced against my will on my Transunion file and by Transunion that knows now and before the above facts with undeniable proofs. 


Demand : 1-delete immediately the unauthorized account XXXX and its information because it is not correct it is inaccurate. 
_________________ 2-fix and put back the correct account information for my account # XXXX - - It is that very simple and easy fix if I do not see my Transunion credit report fixed and corrected by Transunion from the errors and/or inaccurate information referenced and detailed above and as soon as possible. Then Transunion decided to dishonor the law and has no respect to the role of the CFPB in this process now. 

__________ All stated herein is to my current states belief, knowledge and understanding and it is all subject to any correction or any thing and only by my person or my representative and at any time and Without waiving my rights. 


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

I am a victim of identity theft and fraud. I have not opened these accounts and I have not received any goods, money or credit from the alleged corporations. I have sent the credit bureaus an identity theft police report from the FTC, and a notarized identity theft affidavit along with my personal identifying information. According to the FCRA subsection 605b any items dealing with identity theft should be removed in 4 days in which the corporation is past due. I would like the following items blocked/ removed from my consumer report immediately.
Product: Credit reporting or other personal consumer reports

According to 15usc1666b no transaction history should be reporting. Timing of payments is excluded. 
XXXX Privacy broken as well.
Product: Checking or savings account

I am writing to urgently seek your assistance regarding an unresolved issue with my Chase checking account. On XX/XX/XXXX, I received an alert from Chase informing me of the impending closure of my account. I promptly contacted Chase customer service to inquire about the reason for this closure and expressed my willingness to cooperate fully. However, the representative declined to provide any reasons and stated that the account would be closed automatically within ten days, with no possibility of reversing this decision. 

It has now been 13 days since the initial notification, and despite my repeated attempts to resolve this issue, I have been met with a lack of cooperation and have been caught in a frustrating loop between different departments. The Fraud Hotline Department has only advised me to wait indefinitely without offering any information on the refund process, investigation timeline, or assurances regarding the safety of my funds. 

As of the date of account closure, my checking account had a balance of approximately {$5000.00}. This amount represents all my living expenses as an international student in the United States. The absence of these funds has placed me in a precarious financial position : I am unable to afford basic necessities like food, and I am at risk of being evicted from my housing due to inability to pay rent and utility bills. 

Given these dire circumstances, I urgently request your intervention to ensure that my funds are returned within the next two weeks. According to the account opening terms, Chase has the right to investigate but this does not imply an indefinite, unexplained freeze on my funds. I am asking for a definitive deadline for the return of my money, or at the very least, an explanation and proof of the reasons behind the investigation. Continuing this unresolved situation subjects my finances to a state of insecurity and unpredictability, which is unacceptable. 

I appreciate your immediate attention to this matter and look forward to your assistance in resolving this distressing situation.
Product: Credit card or prepaid card

I had attempted to make a purchase and it still reflects these purchases and has not been refunded on account. These purchase add up to over {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for a furnisher account long story short I was denied. I dont understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. Im unsure of how this happened. 

I HAVE FILED A COMPLAINT ON FTC AND HAVE CONTACTED OUR LOCAL POLICE. I AM DOING THIS ON MY OWN.
Product: Credit card or prepaid card

My claim was closed allegedly because it was a duplicate claim. This is not true. It is the same and only complaint and should be acted on. I am a retired service member and am being taken advantage of. Please reopen my complaint and help me resolve the issue. My complaint should be on file. Thank you XXXX XXXX complaint # XXXX
Product: Checking or savings account

I normally get paid on Wednesday nights. When I didnt get paid Wednesday night I called the bank and they tried to tell me my company didnt post payroll. I find out Thursday morning that thousands of people didnt receive their direct deposits. I called multiple times yesterday and each person told me something different, the last person I talked to told me I was going to get my deposit this morning. It is now XXXX and I havent received anything and when I called they told me they dont know when I will. I can not go on financially this weekend without my money and I need it today!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed account t # XXXX with " XXXX XXXX XXXX XXXX  '' as these accounts were fraudulently opened and were removed from my credit reports. Now these accounts have resurfaced back onto my XXXX  and Equifax report in which they DO NOT belong to me. Under the laws of the FDCPA, I previously contacted the creditor myself, and they have failed to verify that this is indeed my debt. The Fair Credit Report Act requires you to verify the validity of this  debt within 30 days. If the validity can not be verified, they are obligated by law to remove it from my credit file. These debts were unable to be validated and they need to be removed from my account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've called, physicalled mailed and digitally filed a dispute letter with I C Systems and all three credit bureau 's to have the account removed because neither the company or the credit bureau 's have been able to show that the account belongs to me for over 8 years. 

I have the USPS Tracking # 's Agent 's name, date, time and confirmation #
Product: Credit reporting or other personal consumer reports

I paid the amount agreed upon and they sent me a deletion letter that was sent to all XXXX credit reporting agencies. I would like this removed from my credit report
Product: Checking or savings account

Frost Bank opened a fraudulent checking account. I contacted them and was told account has been frozen or closed. They have charged me a monthly fee anyway.
Product: Payday loan

Could n't pay a loan company for a loan due to lost job, explained I was working part time, will begin payment around the XXXX week of XXXX in low installments, did n't give amount due to was n't sure of my paycheck and other priority bills. This was explained to representative who called, last week or the week before. I notice that they attempt a new draft for a different amount to my bank. I made myself clear to them that I had no other choice or money to pay them, they are causing more issues with my bank account which was to be closed and was n't by the bank themselves.
Product: Debt collection

They are attempting to collect a debt that is not owed. The verification paperwork shows there are inconsistencies in billing practices, but they will not even look at the paperwork despite me requesting they do so for months.
Product: Debt collection

On XX/XX/17 I contacted XXXX XXXX XXXX XXXX XXXX  and spoke to XXXX XXXX. I asked her if her company had debt that I owed them. She looked up my name and said " No it was sent back to XXXX XXXX XXXX XXXX '' I said well your company continues to report this on my credit report would you please stop. She became Irate and told me to dispute it through the credit bureau and hung up the phone.
Product: Debt collection

Debt collector lacks standing in collection activities and is violating my legal rights in attempting to collect the allege debt. The debt collector is involved with other parties that have used fraudulent methods while attempting to secure the allege debt. There has been a range of federal violations associated with this particular case. 

I am providing evidence in form of an affidavit of facts from an expert witness to the CFPB and other government entities to verify the illegal activity.. I am also inserting a legal notice of sale that states that XXXX XXXX XXXX , XXXX XXXX as Trustee is involved in the debt collection activity despite their claims this is a Bank of America situation. 

I have attempted to resolve this matter and open to some type of settlement prior to further litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be updated. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be updated immediately. 

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 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, credit repair services, or other personal consumer reports

The credit inquiries on my credit report are not mine, inaccurate information is being reported on my credit report and XXXX, Transunion and XXXX have all neglected and refused to remove false information being reported under my name. Someone else whom I am unaware of has used my information without my permission and knowledge. I have also contacted XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX directly as advised by the credit bureau and also the companies themselves have made it impossible to get the fraudulent information removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened cell phone account with XXXX and bought XXXX Phones received them the very next day contacted XXXX and closed the account never opened the cell phones I mailed them back to XXXX and got a refund spoke with XXXX different manager and account was supposed to be closed and cancelled and I didn't owe anything. Well a year later att send me to collections for an account that should have been closed and paid in full and now refuses to remove it from my credit
Product: Credit reporting or other personal consumer reports

I reached out to the companies and bureaus nothing was done I have a inquiry XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX credit card This account or fraud and unders fcra 605b and 15 usc 1681 b ,15 usc 1681 2 I have no knowledge about this account
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a few accounts thats showing in my soft credit report when it was pulled and it is showing that it is open. But wen I called all 3 credit bureau they said its showing on there end as closed and or charged off in full. Im requesting to get my report cleared and off my credit report so I can get ahead in life and make a future. I contacted the company but no responses. Im requesting to clear all open accounts thats suppose to be closed cleared and off my credit report. I will attach attach credit 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. The dates shown on my credit report for this account are not accurate. The date last reported for XXXX shows XX/XX/2023, XX/XX/2023 for Experian, and XX/XX/2023 for XXXX. Last payment dates for XXXX are XX/XX/2023, Experian XX/XX/2023, and for XXXX XX/XX/2023. With these incorrect dates, my credit report also shows an inaccurate 30 day late payment on XX/XX/23. Also, XXXX shows the account as closed, while Experian and XXXX shows the account as paid. 

Account name : XXXX # 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 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.

These inaccuracies are stopping me from getting the credit funding I need for my business.
Product: Credit card

I want all my Capital One cards closed, they kept charging late fees despite their system not accepting my payments on time and now they keep reporting I'm behind in payments despite efforts to close my cards. 

I'm done with the company completely.