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

To Whom it may concern, I sent a letter on XX/XX/XXXX to the Attorney General of XXXX  represented by " XXXX XXXX XXXX '' on my credit report, opting out of them reporting to the credit bureaus. Per 16 CFR 313.7 ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time. Per the Fair Credit Reporting Act as a federally protected consumer I am now opting out of XXXX  and XXXX  authorization, I the consumer my have given you written, unwritten, verbal, and non-verbal per 15 USC 6802 to 15 USC 6805. My rights have been violated, per 15 USC 1681b ( a ) ( 2 ) Subject to subsection ( c ), XXXX  consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. I gave no such written instructions. This also violates my right under the Privacy Act of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint and asked for addresses to be removed XXXX XXXX XXXX XXXX XXXX XXXX, ga XXXX XXXX XXXX XXXX  XXXX, Va XXXX I never lived at these addresses and I have accounts linked To this address someone is syncing my credit it's an account I'm asking that these addresses be removed from my account I have already submitted one compliant and you said I didn't create that compliant XXXX is another number that isn't my number Either I'm asking for this information to be removed it is inaccurate.
Product: Debt collection

Digging began on my property easement in XX/XX/XXXX  by a third party company who was hired by the city/county for the purpose installing XXXX XXXX XXXX. During this process, an emergency XXXX call was made by an unknown party related to a natural gas leak. Weeks later, I received a bill, by mail, for a total of {$1300.00} which has currently been increased to {$1300.00}. The bill was sent from XXXX XXXX XXXX XXXX and has since been turned over to a collection agency by the name of Caine & Weiner. 
XXXX XXXX XXXX XXXX was contacted by phone to acquire explanation. XXXX XXXX representative chose to not explore the origin of the emergency XXXX call or circumstances related to the easement digging and natural gas leak, placing that responsibility on my household. We were told that the {$1300.00} bill would be waived if we immediately agreed to pay the voluntary annual fire protection fee within the next XXXX hours of the phone conversation.
Product: Student loan

After i graduated XXXX I attempt to find employment in the my field of study, but was un successful. I found employment else where, but I was laid off ( XX/XX/XXXX ) thru a site closure for XXXX. During my employment i struggled to make my Loan payments, but i managed. I obtained employment in XXXX making a only {$XXXX} a year, which is a decrease in pay. In addition, I need to commute XXXX hours XXXX way to my new employment. Which has cause a large expense in gas. With all this i still unable to pay the current payments the offered to me by Navient. They are very rude when they call me and just insist I need just pay the loan. I would be more than happy to if i was able to find employment that would pay what i expected when i went to school. I currently owe {$240000.00} in all my student loan. I wish i would have never went to school. The promises and dreams they set forth in the finance office of the school seems realistic. So, at the time I did not have a doubt i would not be able to pay this off after college. Making only {$XXXX} and owing a house ( {$240000.00} ) is putting a strain on my health, as i stress over this daily and the constant calls do not help. No matter what amount i pay monthly i will never pay this off and will die still owing an education I will never be able to use. I am asking please help me forgive the interest on all my loans and have my payment be applied to my principle balance and lower a payment i can afford. I am very desperate they other thing for me to be homeless and without food, to pay the loans ( which the balances never will go down ). PLEASE HELP! ASAP! Thank you in advance.
Product: Vehicle loan or lease

On XX/XX/XXXX I purchased a used car and financed {$29000.00} with Capitol One Auto Loans. I signed up online for automatic payments and chose the " weekly payments '' option offered by Capitol One. The first payment as made automatically on XX/XX/XXXX, second payment on XX/XX/XXXX but then I was charged a late fee on XX/XX/XXXX. On XX/XX/XXXX I received a call from Capitol One saying I was delinquent, I was able to get them to agree that I wasn't delinquent. As of XX/XX/XXXX my account still shows I'm delinquent and that I've been assessed a late fee. I called Capitol One today, XX/XX/XXXX, they wanted to grant me a one time late fee forgiveness but I should never have been charged a late fee in the first place. I refused the offer and got them to agree that I shouldn't have been charged a fee in the first place. They claim that they will correct my account once the claim is reviewed by another department. I'm filing this complaint because this should never have happened in the first place and if I hadn't been vigilant about checking my account I could have paid several incorrect fees and possible damaged my credit. To me this seems to be a trap set up by Capitol One to get consumers to pay fees that never should have been charged in the first place, if it happened to me it must be a common occurrence.
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 procer 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 XXXX financial loss, and I seek appropriate redress
Product: Checking or savings account

Dear sir or madam I am writing you about a complaint I have with your bank. I have been a long time customer of Wells Fargo and have been scammed by an online check scam involving my art. Im getting the run around Now from your bank and all said and done I am now getting return check nsf fees, my rent has now bounced bills are being returned. I am not responsible for these nor am I responsible for the XXXX that Wells Fargo said was Available in my account to cover the check. This is unacceptable I have receipts a police report and paperwork Having to do with this. When u released the funds on the XX/XX/21 I was told that the date of the availability was the XXXX, The bank cant take care of this or protect me from such fraud while banking with your bank? The account That the check went to was anoth3er Wells Fargo customer. You should be able to trace that sit is another Wells Fargo customer. Why am I getting the brunt of this online scam that has now ruining my financial and mental well being I will attach the supporting document of the receipt copies timelines etc. 
This is unacceptable and I will not accept that the bank that is fdic insured can not make this right .I expect the bank to refund me the overdrasft fees and the XXXX from the obvious fraud that I am not responsible for. 

Thank you XXXX XXXX XXXX
Product: Credit card

On XX/XX/year>, I was traveling to XXXX and stopped by a gas station. I was charged USDXXXX for gas. When checking my statement, I could see a fraudulent charge of USDXXXX ( XXXX XXXX Pesos ) by XXXX XXXX XXXX . I went to the Bank of America of XXXX XXXX to file a complaint with the manager. After 1 week, the bank sent me a letter saying the dispute was not valid, as I had input my password for the expense. I called BOFA and said it was a fraud, that I had never input any password, and I wanted their statement with proof that I did. The attendant said " we have no proof you were present when this transaction happened, I will make another complaint, and you will get another letter soon ''. When the new letter arrived, again it denied my request for refund. 
I made a private investigation and it is a fraud. Bank of America NEVER conducted an analysis with VISA about my case. I would like to have my refund and if law allows me, a compensation for 4 full days dealing with the negligence and lack of interest of Bank of America.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX responded to a cfpb report that they didnt do the reporting therefore this should not be on my XXXX file XXXX file Experian file XXXX file Cfpb Report number XXXX I demand the reporting to be removed and deleted and blocked immediately
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 

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

I have been trying to remove my fraud alert with these agencies, however they have not removed it, please remove my fraud alert from my credit report and security freezes if any. 
A copy of my Drivers licence, social security and utility bill is attach to proof my identity, thank you.
Product: Vehicle loan or lease

This is my second complaint I am opening due to the last one being closed by Ally Financial without providing the document I have been requesting. There has been zero resolution to the issue. 

The original consumer complaint # is XXXX XXXX Here is a timeline : Prior to XX/XX/year> - I called originally to have it mailed and faxed to a XXXX XXXX. 
The XXXX XXXX never received the fax. 
I called two more times to resend fax. 
Never sent the fax. or the paper mail version. 

XX/XX/year> - I explained that I never received the document- said they would send it. 
XX/XX/year> - Received document tor a vehicle I do not own. ( Which Im sure this is a privacy violation ) XX/XX/year> - I explained they sent document for a vehicle I do not even own. I requested the correct doc be overnighted. He got approval to overnight it and assured I would receive it in the next few days. I never received it. 
XX/XX/year> - I once again explained situation + that never received it from last call. She got approval to express mail it and once again, I did not receive it. 
XX/XX/year> - Allys executive customer service department called me to say they received my consumer complaint and said they would get the document express shipped out immediately. She also said she would call to verify it has been sent and would leave a voicemail if I missed the call, with as much info as she could within company policys in a voicemail to let me know it has been sent. 
XXXX complaint to attorney general of Texas and Pennsylvania. 

I have not received it to this day and they just closed my complaint. 

I have never felt so hopeless or frustrated. I need this document to submit to the DMV so I can receive my title and sell my vehicle. My car is just sitting there, depreciating for months on end due to Ally Financial.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting

I obtained a copy of all XXXX credit bureau reports and found that I had several inquiries that did not belong to me or that I did not authorize. I requested that all XXXX bureaus remove these inquiries but they indicated to me that I needed to reach out to the creditors that requested the inquiry and have them remove it from my report. I did contact each creditor who are now telling me that they legally pulled the inquiry but ca n't provide me with any signature showing that I approved the pull. I went back to the credit bureaus but they still will not remove the incorrect credit inquiries.
Product: Checking or savings account

On XX/XX/2021, I was informed by chase bank customer service that chase has decided to close my checking account and that the funds available in my checking account will be mailed out to me. I asked if I could go inside a branch withdraw my funds instead, the representative informed that : yes I could just go inside the branch and withdraw my available funds if I didnt want to wait for a check to be mailed out to me. 

So on XX/XX/2021, I went to the branch to withdraw my available balance. The banker called their back office to see if it was okay to give me my available instead of waiting for a check in the mail, since the account is pending closure. 

The back office declined to give me my available balance under the pretense that there are several claims waiting to be finalized on my account. And they will not release my funds until the claims are finalized. 

However the claims amount is way less than my available balance. 
Claims amount : {$1500.00} Available balance : {$6000.00} I suggested that they keep the claims amount XXXX {$1500.00} XXXX until the claims are finalized and release the rest of my available balance XXXX $ {$4500.00} XXXX immediately and the bank still refused. 

Chase bank is holding my money for absolutely no reason. My money is legitimate money that I personally deposited into my account sometimes either by cash, checks or direct deposit. 


So I dont understand why chase is holding my money hostage in these hard times that we are experiencing.
Product: Mortgage

On XX/XX/XXXX, our Mortgage Account was transferred from XXXX XXXX  XXXX to Selene Finance. Prior to the transfer we were 7 months behind, so on XX/XX/XXXX we made a payment of {$1200.00}, which covered 4 months of the 7 months we were behind. After making the payment, we were told that we could now make a minimum payment of 1 month, until we were able to bring things current. We were also told that we had a balance of {$1200.00} to bring our acount current. On XX/XX/XXXX we received a statement from Selene Finance stating that we owed XXXX, and the minimum payment we could make was 4 months. I sent emails with notations, and a copy of my bank statement confirming that we made that {$1200.00}, and they still insist that we were 7 months behind. Due to this confrontation, and them not accepting anything less than a,4 month payment. These monthly payments have escalated to the point that they are saying we need to pay XXXX by XX/XX/XXXX, or they will initiate foreclosure procedures. I've been the owner of this home for 14yrs now. My balance in full is a little over {$36000.00}, and my home will be paid for. What do I do? These people are complicated. Sometimes when you call, it goes to voicemail, and the voicemail is full, and you can't even leave a call back number, and if you can, no one calls back!!!!!!
Product: Credit card or prepaid card

Fraudulent activity was spotted on the credit card. Reported to the issuing company, chase. They removed the charges to conduct their investigation. Resulted in them saying they believe the charges to be valid based on merchant reporting identifying information that matched along with an ip address match. Subsequent research found my personal information to have been leaked in previous data breaches compromising my personal information. Believed to have suffered from identity theft resulting in the fraudulent charges on the account. Have since filed fraud alerts on XXXX, identity theft report with the ftc, and exploring other avenues of recourse. Chase conducted a secondary investigation but still believes the charges to be valid and not honoring the fraud protection offered on the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

We fell into desperate which caused us to fall behind in our bill payments impacting our credit scores to be bad. We have worked real hard to move forward in paying our Bill 's on time and have seen our scores impacted for the positive. We were shocked to find collections added to our credit file from a debt from XXXX which caused a huge drop in our scores. With this being said, creditors are maneuvering reporting just to drive our scores down and making the hard work that we have done to improve our scores to be of non effect. This should totally against the law causing middle class Americans to never get ahead. One young lady has a debt on her account from XXXX which the credit agencies refuse to move. What should be done to create a law to protect us and keep companies from using this tactic hoping for payments. 

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

To Whom it May Concern, On XX/XX/2023, we ( XXXX XXXX and XXXX I was a co-signer on the loan ) settled for less than our original balance of {$4800.00} through XXXX XXXX. The amount agreed upon was {$2000.00}. The payment was received by XXXX who then released the funds to XXXX. This account is now settled and closed, however is showing as open and even that the payment is late on my credit report ( s ). This is showing up on BOTH my XXXX and my Equifax. We are in the process of buying a home and this could be detrimental to that process. I have called both companies, XXXX ( debt collector ), and XXXX the original creditor. I have now filed disputes with XXXX XXXX Equifax 3 separate times. The first XXXX times there was no change, the third is still under investigation. Considering that this debt is now settled and the loan is NOT open ( or late! ), I would love to have this information updated on my credit report ( s ). 

I understand that XXXX XXXX stated that the debt will not be fully deleted, however I have been advised by several people at their company that it should be listed as a charge off, settled for less and NOT and open account ( which now has a late payment!! ) We have worked so hard to rebuild our credit and to finally be able to buy a home for our XXXX children. The fact that we settled this debt and it is showing up incorrectly on my report ( s ) is highly concerning and I wish for them to update them to show the loan as closed, and then update it to charge off- settled for less. For my trouble of having to dispute this now 4 times, if they wanted to do a full delete- that would be even better! 

Thank you
Product: Checking or savings account

I contacted the company immediately following notification of the charge to my card, I spoke to customer service their app has no way to submit fraudulent charges for review, incalled them they told me specifically they wouldn't assist me for 3 days in which ill have to reconnect for them to create a billing dispute. I never recoeved my terms they told me they would provide {$200.00} as a bonus for opening the account i never recieved, terms and conditions i never recieved either or details regarding their negligence to assist with fraud.
Product: Debt collection

i'm filing this complaint to see if I could get some help to get this matter resolved I have contacted the debtor as well who they claim that they got the debt from however both companies stating they do not have the debt and can not talk to me about it and still reporting on my credit report i have tried several times this does not belong to me I would like to see if I can get some help to have this removed from my credit report thank you the last complaint i file i was told i needed to file a affidavit which i don't understand because im asking for a copy of the debt stating it belong to me but that have yet to provide to me and they also told me inform the credit bureaus that my information have had some fraud activate in which i did back in 2019 also i hade file a police report i have enclose a copy of my police report and a copy of my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I noticed there is a Bankruptcy Dismissed on my XXXX credit report. On XX/XX/18, I sent XXXX a certified letter which was received by XXXX and signed for on XX/XX/18, asking XXXX to validate this reporting. On XX/XX/2018, XXXX replied that this reporting Bankruptcy was " obtained from local, state and federal courts though a third party vendor LexisNexis ''. I have a copy of my LexisNexis report being frozen, and also a letter from the United States Bankruptcy Court stating that the United States Bankruptcy Court does not transmit or initiate conveyance of data to the credit reporting agencies. This letter further states, " The Court does not report bankruptcies to the credit bureaus and does not get involved in disputes regarding credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not validate the information with the Original Creditor, they must remove said information from the consumers credit file. By  stating XXXX verified this information with a third party vendor is a direct violation of FCRA 623 ( a ) ( 5 ) and/or FCRA 609 ( a ) ( 1 ) ( a ).
Product: Payday loan, title loan, or personal loan

I entered into a loan for {$600.00} on X/X/2017. When I went to the website to submit my payment there is a minimum payment due of {$180.00}. I 've made {$180.00} payment every two weeks since XX/XX/XXXX through XX/XX/XXXX for a total of {$2100.00} debited from my bank account. I have bank records showing each debit as well as the initial loan deposit. They are still asking for the full balance of the loan plus interest.
Product: Credit card

My XXXX account was hacked on XX/XX/XXXX  which I became aware of via ele electronic notification. A purchase of a bed for {$780.00} was charged to my Capital One credit card on file and being delivered to my address on file. I did not make this XXXX order, it was fraud. I couldn't get the shipment stopped through XXXX or XXXX and the bed was delivered to my home on XX/XX/. I completed dispute process with Capital One and informed them that I had the bed at my address. They provided a provisional credit and upon investigating, determined insufficient evidence of fraud since I had the disputed item in my possession at my address on file and I would have to handle this myself with XXXX. Between all my conversations with XXXX, XXXX, and Capital One, I was waiting for someone to make the attempt to pick up this box and return it to XXXX, but wasn't hearing anything. I have been trying to resolve this with XXXX from XX/XX/XXXX XXXX XX/XX/XXXX  and still don't have a refund! I followed the instructions on the back of my Capital statement : Your Rights If You Are Dissatisfied With You Purchase and mailed a Certified Letter to the address provided. I have a receipt from XXXX that it was signed for and haven't heard a word from Capital One regarding receipt of this or if they assist further. I am attaching all detailed conversations.