23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

On Friday XX/XX/XXXX, I went to XXXX XXXX to inquire about a 2018 XXXX XXXX. My plan was to use my existing car loan offer from my personal bank at XXXX. Upon meeting with XXXX XXXX, I discovered my loan offer at XXXX was not great enough to cover the expense of the car. I agreed to allow them to run my credit XXXX time with the bank they use for car loans. XXXX XXXX ran my credit 8 times totaling XXXX hard inquires on my credit. This is fraudulent. I never agreed to the hard inquires involving : Security Service XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, and Fifth Third Bank. The only authorized inquiry should have been from XXXX XXXX XXXX Finally, what is the most criminal about this entire experience is that XXXX XXXX was selling me an insufficient vehicle that required a new transmission. Yet, they knowingly tried to sell me the car thousands of dollars above its value, thus why I got denied for the loan from all these banks, because the car was red-flagged. I sincerely hope to receive help for these hard inquires. Thank you for the consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX/XXXXDispute XXXX/XXXX  XXXXDispute XXXX  XXXX  XXXX/XXXXDispute U.S. DEPARTMENT OF EDUCATIONDispute U.S. DEPARTMENT OF EDUCATIONDispute U.S. DEPARTMENT OF EDUCATIONDispute U.S. DEPARTMENT OF EDUCATIONDispute U.S. DEPARTMENT OF EDUCATIONDispute XXXX XXXX XXXX XXXX XXXX US DEPT OF ED/XXXXDispute US DEPT OF ED/XXXXDispute XXXX XXXX XXXX filed ftc on all accounts
Product: Credit reporting or other personal consumer reports

I have sent multiple good will letters to apple GS bank to remove late payments when I was going through hardship during Covid under the care act. They did not change anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX The following Accounts, has violated my rights. 

XXXX XXXX XXXX XXXX Account # XXXX {$800.00} XXXX XXXX XXXX Account # XXXX {$460.00} XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Reference # XXXX {$460.00} XXXX XXXX XXXX Account # XXXX {$440.00} XXXX XXXX XXXX XXXX XXXX XXXX  XXXX {$970.00} XXXX XXXXXXXX XXXX XXXX {$400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$970.00} XXXX XXXX XXXX  XXXX Account XXXX XXXX {$3000.00} 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 card or prepaid card

I recently received an unemployment debit card, in XX/XX/2021, but I am not unemployed, I called the number on the card to investigate why I would receive such a debit card. The representative indicated that it was fraud, cancelled the card and referred me to CFPB. Hence, I am reporting this fraudulent event to you. The amount is unknown since the card was cancelled before being activated. I encourage everyone to be very cautious of potential identity theft scams, more so during the pandemic.
Product: Credit reporting or other personal consumer reports

I'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Checking or savings account

Over draft one a many times and did not give full amout.
Product: Checking or savings account

On XX/XX/year>, a charge was made from my account through Capital for {$550.00} and paid to XXXX XXXX of {$550.00}. I don't know this person and didn't make this purchase. When I speak to Capital One they inform me there is no way to speak to XXXX the platform where the money was spent. I have removed XXXX friom my account. Capital One 's website, it states " {$0.00} liability for unauthorized charges. '' Let me be as clear as possible this charge has no validity and is unauthorized. Capital One has given me a claim number of XXXX and state due to login history the claim was denied. Instead, Capital One sent me a list of common scams types on XX/XX/XXXX and on XX/XX/XXXX that a new device signed in to my account on XX/XX/XXXX. However, the real scam is having a company simply take out money from your account and there is no receipt for the charge provided and no information to validate the charge. Not being able to even reach the company that removed money from your account is unacceptable. When I look up who XXXX XXXX is online, it says that he sells life insurance. I haven't purchased life insurance. If instead XXXX or Capital One believes the charge is for sending money to a friend or family member, please show any connection to this person, as the person isn't known to me. Considering XXXX is connected with nearly every bank in the United States, it sets a precedent for charges with no accountability. I want the money returned to my account and the results published, so other consumers can be protected. Thank you in advance for your help and all you do to keep consumers safe.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Company has sent a letter in the mail about collecting {$950.00} from unknown debtor. No further details have been supplied in the undated by UNIFIN, Inc.
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 process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redressor these violations
Product: Money transfer, virtual currency, or money service

and your account. 
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

FIRST PROGRESS CARD - incorrectly reporting as : Payment after charge off/collection Purchased by another lender. This was paid in full in XXXX of 2021, and I have made multiple written requests for evidence of the charge off/pay history for which there has been no response for more than 60 days now.
Product: Payday loan, title loan, personal loan, or advance loan

Payment on the account was never late but apprear late ive asked for them to fix the error
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to remove my fraud alert with the three credit credit agencies but it is so difficult to get to talk to a live person and them they ask a lot of questions that I don't remember that I had to ask for your help with this, Please remove my extended fraud alert and consumer statement.
Product: Money transfer, virtual currency, or money service

MY SON CALLED ME ON XX/XX/XXXX AT XXXX XXXX HE SAID HE WAS JUST IN AN ACCIDENT, THE POLICE TOOK HIS PHONE AND HE COULDN'T TALK BECAUSE HIS NOSE WAS BROKEN AND HE HAD A NUMBER OF STITCHES ON HIS LIPS. HE SOUNDED LIKE MY SON THOUGH. HE SAID HIS LAWYER FROM LEGAL AID WOULD CALL ME. THE ATTORNEY CALLED ME ABOUT XXXX XXXX XXXX XXXX XXXX ON XX/XX/XXXX. I WAS CONTACTED BY XXXX XXXX WHO SAID HE WAS WITH LEGAL AID IN XXXX XXXX. HE STATED MY SON WAS IN AN ACCIDENT AND NEEDED TO POST BAIL ON FRIDAY MORNING TO BE RELEASED AFTER HIS HEARING. THE BAIL WAS XXXX $ BUT I COULD WIRE THE MONEY TO A NEW JERSEY BANK ( TD BANK ) TO THE LEGAL AID PERSON WORKING WITH THE XXXX XXXX COURTS. HER NAME WAS XXXX XXXX, HER ACCOUNT AT THE BANK WAS XXXX XXXX XXXX ROUTING NUMBER XXXX ... I WIRED THE MONEY AT XXXXXXXX XXXX FROM MY BANK, XXXX BANK IN XXXX. MY SON SUFFERS FROM XXXX FROM 23 YEARS SERVING IN THE XXXX. I DIDN'T WANT HIM TO BE IN JAIL. THE ATTORNEY SAID HIS BAIL HEARING WOULD BE FRIDAY XXXX XXXX AT XXXX AM.. XXXX XXXX XXXX THE ATTORNEY, CALLED ME AFTER THE HEARING WITH NEWS THAT THE JUDGE WOULD SIGN A RELEASE BUT THE OTHER PERSON IN THE ACCIDENT WAS PREGNANT AND SHE MISCARRIED. SHE WOULD DROP ALL CHARGES IF I COULD SEND XXXX $ TO COVER MEDICAL. I GOT SUSPICIOUS AND STARTED RESEARCHING XXXX XXXX COURT CASES AND DETENTION FACILITIES AND COULDN'T FIND MY SON 'S NAME ANYWHERE. THE LAWYER JUST CALLED ME AGAIN BUT I LET IT GO TO VOICE MAIL. PLEASE ADVISE AS TO WHAT I CAN DO TO RECOVER MY MONEY. I CALLED TD BANK AND THEY COULDN'T DO ANYTHING WITHOUT THE PERSON TO BE THERE TO OPEN HER ACCOUNT. MY BANK WARNED ME BUT I WAS SO WORRIED ABOUT MY SON I SENT THE MONEY ANYWAY. HELP PLEASE
Product: Vehicle loan or lease

Since XXXX i have had issues with paying my car note in full. I have had issues where there has been multiple fraudulent bank transactions amongst a company wide theft at my place of employment. To note I have been sick and having medical complications. I have asked that I get an extension due to my information being stolen and used. I am waiting on a XXXX dollar provisional credit from my checking account. I am going through a lot of investigations regarding my personal account information. Others from my place of employment have suffered as well. I asked Regional Acceptance Corp. to hold off from repossession seeing I have been a victim of theft and fraud twice in 3-4 months. They informed me that because I broke my first agreement, due to me being in the hospital, they could not pause the repossession. I stated funds would be available on Friday and within, another 3 business days. The woman I spoke to said try and borrow the money until I get the provisonal credit. This is violation and discrimination against my situation and circumstances. I have documented information and receipts regarding this hardship I have faced and still facing. I need this company to understand if there is an active investigation going on in regards to theft of personal property as well as identify theft, why would you try to still responses. Not once did anyone say let me get a copy of your documents. No one has helped me or tried to. Circumstances happen, and this one is one that I can not control. I need some help getting justice.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681 A Consumer Reporting Agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from identity theft not later then 4 business days after the date of receipt.

It has been 30 days and you are in violation of the law because I am a victim of identity theft! 1 Please delete these items as soon as possible. 


XXXX XXXX  XXXX Account not mine XXXX XXXX XXXX XXXX opened XX/XX/2022 Account not mine XXXXXXXX XXXX XXXX XXXX XXXX Account not mine Capital One Bank XXXX XXXX Account Not mine XXXX XXXX XXXX - XXXX Account Not Mine
Product: Credit card or prepaid card

I keep trying to call this company to dispute a charge from XXXX and they wont answer for me.
Product: Student loan

XXXX is reporting in my credit file that I have an account with their company. However that is inaccurate information. College FOUNDATION acct # XXXX date opened XX/XX/1999 should be removed from my report is over 7 years old.
Product: Checking or savings account

XX/XX/2021 mail stolen from house containing a check for {$1500.00} to a relative was processed using a mobile deposit into an account of Citizens Bank fraudulently. Notified my bank and filed a report with the XXXX XXXX Police Department. Communication between police and my bank followed with an arrest warrant put against the person and no further action by Citizens bank or the warrant resolved my account being refunded.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit score I came upon information containing credit card and loans of some sort on my credit file I was advised to fill out this form to get this situation handled
Product: Vehicle loan or lease

I have a XXXX XXXX monthly payment on car loan, they never contacted me during pandemic if they can help me with something about the payment. Ever since i'm still paying the same amount. It started XX/XX/2020.
Product: Debt collection

The collection agency named ACT Account Control Technology intercepted my entire tax return without proper notice of their attempt to collect any debt. They were collecting for a student loan and sent the letter of intercept to my old address intentionally to make it look as if I was ignoring their request. The party they were collecting for had my new address since XXXX XXXX, I was receiving mail from the original party regularly. However ACT maliciously sent the intercept notice to my prior address on XXXX XXXX, XXXX which I still have never received or seen. I moved from my previous address XXXX XXXX, XXXX. If this company was collecting for a Federal Student Loan and sent a notice to intercept on XXXX XXXX, XXXX to a place I no longer resided and have n't resided for over 3 months at time of alleged mailing. Why and how did the original party have my current new address and the collection agency did not? Do they not communicate with each other? The company ACT Account Control Technology is a very crooked company and will fabricate and or deceive by any means necessary to take peoples money without proper notification and or mailing. I also told them via telephone that I disagreed with their approach and or action to collect and requested appeal information and or documents. I was told the company ACT Account Control Technology would email me the needed documents that same day and I never received anything via email on any day pertaining to my request. This company stole almost {$2500.00} from me and my daughter, yes I am a single parent and yes {$1500.00} of the money they stole was supposed to go toward my daughters dental work that we had to cancel because these crooks deceived the Internal Revenue Service making them believe I was ignoring their attempts to collect when in reality I have never even seen one of their letters or notices to collect ... even to this day I still have never seen this notice that was supposedly mailed to the wrong address.
Product: Debt collection

Violation of 12 CFR 1006.34 ( b ) ( 5 ) : The collections items were reported inaccurately or incompletely, failing to provide sufficient information to verify the debt 's accuracy and validity. As a result, I am unable to ascertain the legitimacy of these collections items and dispute their inclusion on my credit report.

Violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : The collections items were not adequately investigated by the furnisher of the information, despite my repeated requests for verification and validation of the debt. This failure to conduct a proper investigation violates my rights as a consumer under the regulatory provisions outlined above.

Violation of 12 CFR 1006.34 ( d ) : The collections items were not reported in a timely manner, exceeding the permissible reporting period specified under the regulatory provisions. As a result, I have been unfairly burdened with negative credit information that should have been removed in accordance with the applicable timeframes.

Violation of 15 USC 1681-S 2 ( 7 ) ( A ) : The collections items were reported without proper documentation or evidence to substantiate the debt 's existence and validity. This lack of supporting documentation violates the Fair Credit Reporting Act ( FCRA ) provisions outlined above, which require furnishers of information to provide accurate and verifiable information to consumer reporting agencies.
Product: Debt collection

I paid this debt to the creditor who purchased it in XXXX XXXX the judgment is marked satisfied. when I called to tell them they acted like they did n't know what I was talking about. I mailed them the paperwork stating the account has been paid
Product: Credit reporting, credit repair services, 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. 

I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX  XXXX Acct # - XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that aren't reporting correctly.

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. 

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

Went in the dealership to apply for a lease with XXXX XXXX. I told my sales rep that I only wanted to look into leasing a vehicle and do not want to have several inquiries on my credit report. The rep reassured me that the dealership pulls the credit and then XXXX XXXX pulls it. I was very clear that I do not want anyone else to obtain my credit report. After leaving the dealership I noticed that they allowed 6 other banks to pull my credit and resulted in hard inquiries to purchase the vehicle instead of leasing. I was extremely upset because I expressed that I did not want this to happen. I then spoke to the XXXX XXXX XXXX and he told me he can run it through any bank he wanted to and then hung up on me. I feel they took advantage of me. This was extremely unfair because I told them my concerns and they deceived me by doing it anyway. I would like this addressed and to get the additional inquiries removed that was not from XXXX or XXXX XXXX.
Product: Credit card

Subject : Complaint Against American Express Regarding Disputed XXXX  Charges To Whom It May Concern : I am writing to file a formal complaint against American Express concerning disputed charges related to an XXXX  reservation. Despite providing comprehensive documentation, including detailed communication records with the XXXX host, American Express has denied my dispute. 

Details of the Dispute : Reservation Information : Host : XXXX XXXX Location : XXXX XXXX Confirmation Code : XXXX Stay Dates : XX/XX/2024 XX/XX/2024 Payment Details : Receipt ID : XXXX Date : XX/XX/2024 Amount : {$2200.00} Payment Method : American Express ending in XXXX Receipt ID : XXXX  Date : XX/XX/2024 Amount : {$300.00} Payment Method : American Express ending in XXXX Issue Encountered : Prior to the reservation, I informed the host in writing that my mother has severe XXXX to certain scents and inquired about the presence of any strong odors in the property. The host assured me that the environment would be suitable for someone with such sensitivities. Upon arrival, it became evident that the property had strong scents that posed a health risk to my mother. I immediately contacted the host to address the issue, but they were unable to rectify the situation. Consequently, we had to vacate the property to ensure my mothers well-being. 

Actions Taken : 1. Contacted Host : Notified the host of the issue upon arrival ; the host acknowledged the problem but could not provide a solution.

2. Contacted XXXX XXXX : Reported the issue to XXXX and requested a refund. Despite providing evidence of prior communication about my mothers XXXX and the hosts assurances, XXXX declined to issue a refund, citing their policies. 
3. Disputed Charges with American Express : Submitted a dispute to American Express, providing all relevant documentation, including detailed communication records with the host. Despite these efforts, American Express has denied my dispute, stating that the charges are valid. 

Desired Resolution : I am seeking a full refund of {$2500.00} to my American Express account for the XXXX reservation, given the hosts failure to provide a suitable environment as assured and the subsequent health risks posed to my mother. 

Enclosures : Communication records with the host I appreciate your attention to this matter and look forward to a fair resolution in my favor
Product: Checking or savings account

I bank with Truist. They put a freeze on my account due to some kind of checks being mobile deposited into my account. I dont use the mobile deposit. I always go in person to deposit any checks I get. I didnt find out about the freeze on my account till I went in person to try to with draw it. I was told to call the fraud department and that they had been trying to reach me. I never received any kind of call from there nor a email. When I did call they say it would be resolved on XX/XX/year>. On XX/XX/year> I called and they said it was no update. I have been calling ever since and still not getting an update. So I called again today on XX/XX/year> and was told to go into the branch and the branch could unfreeze my account as long as I verify myself. So I went inside the branch to verify and the manager said they couldnt unfreeze it and that department who froze it would have to unfreeze it. So I keep calling the fraud department and getting no updates and getting the run around about getting my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX credit card account with XXXX XXXX XXXX that is open and current, and in good standing.

It has a credit limit of {$46000.00}, and is a XXXX.

TransUnion credit bureau refuses to list it on my credit report, even though all the other credit bureaus, XXXX, XXXX, and XXXX list it on their credit reports.

This account has been open since XX/XX/2013.

I have contacted them numerous times to get this matter resolved, to no avail.