23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I established individual CashApp Account XXXX associated with XXXX XXXX Account XXXX in XXXX of XXXX as the sole account owner and authorized user. The preceding was undertaken by me personally in my name and with my Social Security Number of XXXX, address indicated at the top of this letter, phone number of ( XXXX ) XXXX and email of XXXX. I never modified the account in any way after inception nor added anyone else for account ownership or even access. 
After disputing three XX/XX/XXXX transactions where both my CashApp balance and connected XXXX XXXX checking account XXXX were debited for the same transaction, which had me paying twice ( XXXX XXXX XXXX XXXX Card Payment of {$7.00} on XX/XX/XXXX ) and thus being due a refund for the duplicate debits. When I requested a refund, instead of issuing credit and fixing the software glitch of a missing reset command, you forcibly closed my account, kept the duplicate debit money and then allowed unauthorized access to my account for over a year. 
Why would CashApp allow an unrelated party to take over or basically highjack the account of another customer, and how is this even possible? Did CashApp just oblige a call in request. The only conceivable reason for someone accessing the account of someone else is to accommodate illegal credit transactions, the deposit of stolen checks or accessing payments intended for another party, and subsequently affect unauthorized debit transactions, most likely offsetting back-to-back debit transactions to another account to conceal the theft but possibly even debits similar to those made by the legitimate account owner. The hijackers or those responsible for the theft are identifiable as the same as the beneficiaries of the debit transactions of the account.
Product: Debt collection

XXXX XXXX is falsely reporting a collection account on Experian. I have asked them several times to remove it or show proof that the debt was mine. They have not done it. all they have sent me was a letter saying " that they could not discuss it because it was not my account ''. I have called XXXX fraud department and spent hours on the phone with them trying to get this resolved to no avail. Please help.
Product: Checking or savings account

I am currently managing a XXXX not for profit, XXXX XXXX XXXX, we have a company Banking account that has ZERO servicer fees, NO minimum balance requirements - essentially a free bank account. Recently I noticed a " Service Fee '' of $ XXXX/mopnth appearing on mu statement. I went into the local BB & T Branch and asked why were received fees. The answer I got was suspicious and appeared to be fraudulent on the banks ' behalf. Apparently the fee is for Checks that we write, where they image the check to the statement, this not something we enrolled in, rather they do it and charge us for it regardless if we havea check written or not.
Product: Vehicle loan or lease

On XX/XX/2019 approximately XXXX XXXX  I went into the dealership to assist a family member with co-signing for an auto loan. both myself and my relative had given them proof of income, driver license and other personal information. My relative didn't qualify to be on the loan due to credit challenges. The salesman then stated that I would be the sole owner and there was contract drafted I signed and we left the dealership with documents and the vehicle. On Monday, XX/XX/2019 the same salesman called me and stated that the deal didn't go through as expected and we would have to pay {$1000.00}. I was on the road returning home ( I live out of state ). I informed the salesman that I was no longer in town, my relative would have to return the vehicle to the dealership. I also asked why was a contract signed if we didn't have an approval? He then stated because the bank give the dealership a greenlight without a complete approval. 

More Importantly, sometime in XXXX of XX/XX/2019I receive an acceptance letter from Nissan Motor Corporation detailing the monthly amount and when the next payment would be due. I called the dealership to find out what was going on and no one returned my call. XXXX I then drove back out of state to talk to speak with the general manager and explained that somehow the salesman/dealership allowed my relative to sign another contract without my presence/knowledge. XX/XX/2019 The GM informed me that he will correct the situation and have the vehicle taken out of my name and into my relatives name. I never heard back from him, issue was never resolved and I called several times. I also called Nissan customer service number for them to mail a copy of the contract. The monthly amount is {$500.00} for 72 months. 

I have many dates/times of outgoing calls to both XXXX dealership/Nissan finance. 
I have also driven back and forth since XXXX until now ... I don't know what to do at this point, I'm exhausted. 
I called both the dealership and Nissan motor/finance numerous times spoken with several different representatives letting them know of the situation concerning this unauthorized sell, they gave me Nissan Motor Corporation Consumer number. I sent the consumer dept. a letter. No one has contacted me as of yet. this has been so stressful. May someone please give me some advice?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a account with XXXX  and this company sold it to 2 different agencies and now they both charging and showing on my CR. I called all of them they not helping me. Keep saying dispute one and nothing happen. Please help
Product: Debt collection

I examined my credit report and observed inaccuracies in the listed accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX , OH XXXX fraud charges that never was handled - tried to get removed didnt happen by XXXX  or credit companies
Product: Credit reporting or other personal consumer reports

Greetings and Blessings from the Most High XXXX, Per the FCRA as a federally protected consumer, I XXXX XXXX XXXX am now opting out of any and all authorization, I the consumer may have given you XXXX XXXX XXXX  XXXX written, unwritten, verbal and nonverbal per 15 usc 6802 and Family Educational Rights and Privacy Act of 1974. You are hereby ordered under the command of the Most High God to cease all transmission of XXXX XXXX XXXX non-public personal information to any nonaffiliated third parties as it pertains to account XXXX. To include but not limited to the Credit Report Agencies and their subsidiaries. 
Thank you for your full cooperation in the matter. 

Blessings and Peace upon You.
Product: Debt collection

I received a letter from Colorado Capital Investment about a debt I suppose to owe from XX/XX/XXXX. A letter ( Restraining Notice & Information Subpoena ) was send to my bank requesting information about my account without my knowledge never received a letter before today ( XX/XX/XXXX ) about this debt. I do not have any knowledge of owing this debt and also there is no information on the letter as far as contact or who the debt is originally owe to.
Product: Credit reporting or other personal consumer reports

Transunion is reporting inquiries I did not authorize and they have no purpose to be on my consumer report. Provide me with the documents that have my wet ink signature that states I gave permission to these companies to access my consumer report otherwise TransUnion is in violation of federal law by allowing these companies to have access to my report and neither has my consent to do so. These unnecessary inquiries are causing me harm. TransUnion claims these inquiries are verified but fail to provide me with any documentation which is needed to ensure they did a reasonable investigation into these matters. 

XXXX XXXX XXXX TRANSUNION XXXX TRANSUNION INTERACTIVE XXXX XXXX XXXX XXXX XXXX TRANSUNION INTERACTIVE IN TU INTERACTIVE XXXX XXXX XXXX TRANSUNION INTERACTIVE XXXX XXXX XXXX TRANSUNION INTERACTIVE XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX via TRANSUNION INTERACTIVE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXXC XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION INTERACTIVE XXXX  XXXX ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account.

( G ) executive departments and agencies in connection with the issuance of government-sponsored individually-billed travel charge cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

i've sent several notices even sent certified letters the company refused to send me proof they have in their records showing how debt being reported that's not mine were certified verified buy lenders/source
Product: Credit card or prepaid card

Card was opened sometime in 2014 later found out there was an individual in Colorado that had a fake copy if my SS card and a do with my name .This account was opened along with many others.I already sent this company a copy of policy report and proof of residency .I live in Texas.do NOT live I Colorado   or who where accounts were opened.already sent this company proof of residency for 4 years a year ago.this is hurting my credit.this is their fault.i was a victim of Id theft. My ss # ends in XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I disputed an account reported by XXXX XXXX XX/XX/XXXXXXXX in the file you maintain under my Social Security Number. 

I was informed on XX/XX/XXXX, that the account was deleted from my credit report. ( Document with proof of this deletion included ). 

Now I have discovered that the item has been reinserted on my credit report.

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law.

I hereby demand that you immediately delete the 30 days past due from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney Generals Office, and the XX/XX/XXXX.

Please govern yourself accordingly.
Product: Credit card or prepaid card

I had to pay it late. I need the late fee to be reversed. I am still suffering because of covid. You won't help me with payments, but you can at least waive the late fee. I paid the bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is my follow-up prior to my previous complaint dated XX/XX/XXXX. 
My complaint disputed some items which needed an investigation ASAP. Please verify the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These items were already in my previous complaint and I am Including them again.
Product: Debt collection

Debt Collector- Revenue Reporting XXXX XX/XX/21, called a relative not listed as a reference to address debt. 
On XX/XX/21, called a minor relative to address debt. 


Neither person have they been authorized to contact. When I called back, the rep ( XXXX XXXX ) threatened me with legal action and said it would be a forcible collection and I would be responsible for attorney fees. Threatened to call my husband to force him to pay and verify his employment.
Product: Credit reporting

I subscribe to Experian 's Credit Monitoring Service. 
They send me ALERTS when things change as they relate to my credit score. 
I received an alert this month that said my Experian FICO credit score had changed. 
Upon logging into my Experian credit monitoring account it said that " my scorehad " dropped '' by XXXX points ''. Their service had previously alerted me that my score had increased in XXXX 2015 by XXXX points and increased again in XXXX 2015 by XXXX points. I was reasonably alarmed as to what was causing such a dramatic drop after two months of moderate increase and " NO changes to my credit profile at all, no new accounts or lines of credit, no missed payments etc ''. There is nothing at all that has occurred that could explain this. Their system asked if I would like to " order a report from all XXXX bureau 's '' which incurs an expense to me, but I did so to seek explanation for the sharp decline. Upon looking through all the reports thoroughly, there is NOTHING there that would explain it or indicate ANY reason for a decline. I called Experian spoke with a customer service rep ( XXXX ) and his manager ( XXXX ), neither of which could make any reasonable argument, make any sense or give clear explanation for the dramatic score decline. 
Also, XXXX and XXXX both maintain my high score at XXXX. So ... it is more than curious that Experian " the ones doing the monitoring - drastically cut the credit score, then send their consumer an alert to generate concern so that they buy a report so as to investigate '' and then consequently have no reasonable explanation for why such a dramatic decline too place. I can only speculate that this is part of their revenue generation algorithm. 
It raises serious concerns over the credibility of Experian 's score keeping policies and practices. They need to be investigated.
Product: Credit card or prepaid card

I used my Capital One card for three separate transactions to book a trip through a company called XXXX XXXX XXXX. XXXX XXXX XXXX is a travel company that offered all-inclusive guided tour vacations, and I used them previously for a successful and enjoyable trip. I met several people on that trip that booked subsequent trips with XXXX XXXX XXXX. 

XXXX XXXX XXXX collected customers ' money for the past several years then delayed the travel due to XXXX, and in XX/XX/2022 they sent an email that they are closing and keeping everyone 's money. I immediately filed disputes with Capital One to get my money back since the trips I paid for did not take place, and Capital One denied my disputes and said too much time had passed since the transaction to get a refund, despite the fact that I did not and will never be receiving the items I paid for ( my two trips ). 

I am now out of options as XXXX XXXX XXXX has liquidated and indicated they have no funds to pay their customers back. I have stated this to Capital One and even sent their CEO an email with my supporting documents, only to be told " No '' yet again. So much for consumer protection. This is my last option to get my money back, and it's a little less than {$2000.00} that I am owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending this to get negative accounts, charge offs and late payments removed from my XXXX credit report. Under the 609 code I am requesting that the information on my credit report for the following accounts be verified by providing me the original contract, a pay off disclosure, interest rate disclosure, balance history, payment history and credit insurance. If they are not verified I would like them removed and deleted off of my XXXX and TransUnion credit report. 

XXXX XXXX. {$530.00} Account # XXXX  XXXX XXXX XXXX  XXXX 
Opened XX/XX/XXXX Status open Last reported XXXX, XXXX XXXX XXXX XXXX {$310.00} Account # XXXX XXXX XXXX XXXX Opened XXXX, XXXX Status open Last reported XXXX XXXX XXXX XXXX XXXX. {$25.00} XXXX XXXX XXXX XXXXXXXX. 
Opened XXXX XXXX XXXX open Last reported XXXX XXXX
Product: Debt collection

I have received multiple letters in the mail from Resurgent Capital starting back in XXXX of XXXX and most recently in XXXX of XXXX. Resurgent is trying to collect on a credit card debt from XXXX XXXX in the amount of {$2000.00}. 

The address associated with this credit card is an address in which I have never lived. While the name on the account is the same as mine, it is a very common name to my state. The debt has never shown on my credit report, and upon calling the credit card company to inquire about the debt, the representative did not have evidence of the account number under my name and social security number.
Product: Mortgage

I came out of forbearance in XX/XX/2020/ First Reliance sent letter stating forbearance would be added on to end of loan. after making 4 reg payments. I'm refinancing with another company. For 60 days First Reliance has sent wrong documents and dates. I've been placed on hold for hrs and have been hung up on 6 times in one day. The last was supposedly names XXXX in customer service. She was so horrible that it finally dawned on me that this is a racially motivated attack. I asked XXXX to find me a Caucasian supervisor and she hung up. I've talked to 3 nice people out of over a dozen. I've asked them to please put in their notes all the issues I've had.Some say that they can't email or fax the same day. I've been told 3 days for fax and no emails. Today I was told faxed 2-4 hrs and yes they faxed the wrong information. Wrong information was emailed yesterday and then again today. So I was told just now a new fax would go out tomorrow. Please help as My loan is being held hostage!
Product: Credit reporting or other personal consumer reports

On different occasions I have disputed with the company Experian and XXXX regarding a XXXX XXXX XXXX XXXX XXXX account that incorrectly appears on my Experian and XXXX credit report without having an effective response to the request, and I even made an identity theft report. that I also sent but it is observed by experian and XXXX that they did do so. not carrying out an efficient investigation to determine that the account that appears on my credit report from XXXX XXXX XXXX XXXX XXXX does not belong and even the address mentioned, this gives rise to thinking that it is information that belongs to another person or that I was a victim of theft of identity, this information is affecting me since it hurts me to apply for my mortgage loan. I have been very responsible and pay all my bills up to date and this is demonstrated by other accounts or other companies like XXXX and that is why I request that this account be incorrect. appears on EXPERIAN AND XXXX be removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not request for any credit reporting bureau to add a fraud alert to my credit file please remove asap
Product: Credit card or prepaid card

XXXX-XXXX-17. Do not have the option to pay a pending Promotional Waived Interest Balance without having to call XXXX which takes an hour or more. They should be forced to provide options to pay whatever amount I want to avoid interest waived. It is setup to have them make interest by making it difficult to pay before the promotion ends.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries that are the result of fraudulent activity, they have not been authorized. My information was also compromised in the Equifax Data Breach.
Product: Vehicle loan or lease

I sent a letter to XXXX  in XXXX, with signature confirmation that was received on XX/XX/XXXX about a car they repossessed in XX/XX/XXXX. I was requesting paperwork under Louisiana 's ( R. S. 10 : 9-613, et seq. ) I also  requested a copy of the loan contract because my car loan was written up as a retail installment contact but it shows up as an auto loan. XXXX did not respond to my letter. To this date i have ONLY received the RIGHT TO CURE paperwork the same day as the repo. I was not notified of an auction nor was i notified when the car was sold and how much it was sold for. I have asked the 3 credit bureaus to delete this account because it is inaccurately reporting and invalid because XXXX has yet to furnish me with the documents i've requested. I have disputed this account SEVERAL times so pointing out the INACCURACIES now that the credit bureaus are stating is inaccurate should not mean they can update the account!!!
Product: Credit card or prepaid card

On XX/XX/2021 I over paid my credit card by {$490.00} trying to pay off the balance. On XX/XX/2021 I contacted Citi Bank to request a refund on the over payment. On XX/XX/2021 Citi Bank claims to have initiated a refund of the over payment. 
Around XX/XX/2021 I again spoke with their customer service dept saying the refund check had not arrived. They verified that a check had been issued and mailed, but not cashed. They said they would reissue a replacement check and promised to expedite the process. Now almost another XXXX weeks have past and still " the check is in the mail ''. I find it ironic that they are able to slap a consumer with a late fee and charge interest if you fail to pay them promptly and when promised, but they can claim the excuse the Post Office must be to blame because of the Covid19 pandemic. Very convenient.
Product: Money transfer, virtual currency, or money service

I have used Zelle numerous of times. Without notice my transactions were cancelled. I have reached out to Zelle to resolve issue without resolution. My account has been compromised and transaction has not been received from senders. This may have caused personal information to be available to scammers.
Product: Credit reporting or other personal consumer reports

When I checked my credit report, I found that some of the information was inaccurate. The 3credit bureaus are obligated to confirm these ACCOUNTS under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting ACCOUNTS as unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX