23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

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  please delete from my credit report!! The collection company of the creditor has not responded, the company has to remove the debt. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. XX/XX/year> Account Name : NATIONAL CREDIT SYSTEM Account Number : XXXX Balance : {$900.00} XX/XX/year> Account Name : NATIONAL CREDIT SYSTEM Account Number : XXXX Balance : {$840.00}
Product: Mortgage

I applied for a mortgage with Better.com ( refinancing existing mortgage I have with another lender ) and was was approved for an interest rate of 2.875 %. A hard credit check was performed and I locked in the rate with a {$550.00} deposit. The underwriting process was started and I uploaded all of the requested documents. After the mortgage company performed the appraisal on my home they informed me that they would increase my interest rate due to the assessed value of the house being lower than they expected. This appraiser valued our house approximately $ XXXX less than the previous appraisal performed 3 years earlier ( we've invested a lot in our house, I don't know why the value would decrease ). 
I canceled my mortgage application and requested a refund. They refused to refund me the {$550.00} and furthermore issued me a declined credit application and sent me an adverse action notice. Now my credit has been hurt and in the future I will have to report that I was declined by a lender.
Product: Debt collection

I requested the original contract that I signed with this agency and they were unable to furnish any documentation as I have never signed a contract with said company. They have yet to validate they debt they are attempting to collect and reporting a monthly account status of CO on my credit report despite a collection account not being able to be charged off as there is no contract this company has violated my consumer rights continuously and after sending disputes to the credit bureaus on multiple occasions nothing has been done a proper investigation has not been conducted. Per the FCRA my rights are being violated by this agency. The amount is incorrect XXXX is not owed and there also was no contract in place.
Product: Credit reporting or other personal consumer reports

One Main financial put a Late payment notice on my credit report on XX/XX/year>, saying it was XXXX to XXXX  days late. 
I am out of work. I have the Credit involuntary unemployment insurance XXXX. I turned in all documents that they asked for through the XXXX XXXX XXXX that I purchased the insurance from. Because they are slow on making the payments to One Main, One main added a late payment notice my credit report. When in fact it's not late at all that's why I purchased the insurance just in case. I would like this removed from my credit report I believe this is unfair. 
Just seems to be an ongoing problem with one main and the XXXX XXXX XXXX.
Product: Credit card or prepaid card

I noticed cash advance against my citi bank credit card on XXXX 2017 for an amount of {$140.00}. I called citi about the transaction since it was a fraudulent transaction and the customer service rep. told me that the amount was withdrawn using a cash advance check. When I informed them that I had this was a fraudulent transaction, the bank assured me that they would investigate the transaction. I called the bank again and they told me that they would refund the amount. I asked them to also close the account since I was not using the credit cards and the customer rep. assured me that the they closed my accounts and the issue was settled. 

A few months later I received a letter from citi informing me that they had requested additional documents from me ( I did not receive any additional communication from them ) and since I did not respond to their request they charged me for the {$140.00}. I had auto pay setup on the account and this money was deducted from my bank account.
Product: Money transfer, virtual currency, or money service

I would like to draw your attention to XX/XX/year> - I sent my complaint letter to XXXX, in which I clearly stated how this scam has affected me personally, psychologically, and financially. I am afraid I have had to go through so much " bureaucracy '' thus far in order to catch their attention to my concerns. This really doesn't show their complaints department in a good light, to say the least ; and certainly, does not contribute to my overall satisfaction and peace of mind. My complaint is against the bank that did not do its job properly ( could not prevent/foreseen fraud and could not conduct a proper investigation ) and not against the vulnerable customer who fell victim and lost all the savings due to the misconduct of the bank. I feel very distressed and cheated, all because no one took action immediately and practice their duty of care, therefore I only request what I believe to be rightfully mine, as all institutions were more than negligent in protecting my account and handling the complaints. I comprehensively provided explanations and proof to my claim, even so, XXXX never acknowledges my complaint, therefore, I have approached you CFPB and I would like to receive your assistance on this matter.
Product: Credit reporting or other personal consumer reports

I am challenging the account being furnished on my credit report with the account number XXXX. XXXX, Transunion, and XXXX failed to conduct a proper investigation and remove this inaccurate account. On XX/XX/2022, the account XXXX XXXX XXXX was placed with XXXX XXXX XXXX for further collection. I am confused why there is a balance reporting for the account XXXX when this debt was sold and is no longer with XXXX XXXX. This debt is passed the statute of limitations in the state of Texas and is uncollectible. You may contact XXXX XXXXManaging Attorney from XXXX at XXXX if you would like to discuss the details of the account. You failed to report this account according to FCRA regulations and I am demanding that this account is removed from my credit report.
Product: Credit card

After payment was made towards my credit card that had a credit limit of $ XXXX {$700.00} that one towards the billing cycle of XXXX XX/XX/2020 was never correctly applied towards my account balance where in the billing cycle of XXXX XXXX reflected in having XXXX available credit additionally after having a breach and not having been properly notified, I have been having to To deal with the aftermath of unauthorized attempts, other financial accounts, a serious of accounts created in my name unauthorized and not done by me the lease for XXXX years, Ive had to deal with consistent negative reporting sending my credit score plummeting no matter how much effort Ive applied to include hiring Kredit agencies. Nothing has changed. This is unacceptable and as a result of Capitol One gross management they have made no attempt towards accountability nor Closure!!!
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. 

List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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.
Product: Credit card or prepaid card

My car was having its 2nd infotainment module replaced by XXXX XXXX under warranty because it was defective. I was given a loaner XXXX XXXX to drive because the replacement unit had to be ordered. The loaner agreement stated that any damage to the car would initiate a claim with my insurance company. The loaner windshield had lots of pits from prior Ioans. The day I returned the car, XX/XX/XXXX, the windshield cracked on my way to the dealer. Nothing hit the windshield the entire time I drove the car. I am not responsible for the crack in the windshield. 
I was informed when I returned the car to the dealer that I had to pay for the windshield because they had changed their policy. I argued that the agreement I signed stated that the dealer would file a claim with my insurance company for any damage. I was told by the Service department manager, XXXX, that the only way to get my car back was to pay for the windshield. She said that I would have to contact my insurance for a refund as XXXX would no longer file with the insurance company. The cost of the windshield was over {$1100.00}. 
I am a senior female who was bullied by the manager and who had no recourse to get my car back although I had not caused the cracked windshield. 
XXXX was found guilty of defective windshields on their XXXX and XXXX XXXX pls see Docket NO XXXX. XXXX is currently being sued for defective windshields on their XXXX XXXX  in the U.S. District Court for the District of New Jersey  - Case NO XXXX, XXXX v XXXX XXXX  XXXX XXXX . I have attached the court filing in a pdf. 
This charge is NOT valid because the windshield is defective. I have never seen a windshield crack like that. XXXX has a history of defective windshields and this current class action lawsuit shows that they have not corrected their problem. 

There are 2 pdfs attached to this email XXXX XXXX This is to inform you that ANOTHER lawsuit has been filed against XXXX for defective windshields on XXXX XXXX. It is Case No. XXXX in the U.S. District Court for the Central District of California , filed on XX/XX/XXXX. I have attached a picture from the top Class Action website with the information. 



Sent from my XXXX, XXXX XXXX smartphone Show quoted text A third lawsuit against XXXX for defective windshields was filed XX/XX/XXXX in the U.S. District Court for the Central District of California, Case No : XXXX. I have attached 2 screen shot w additional information. 
Please call me when you receive this information. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : Delete and type in all the inaccurate accounts in here. 

Example : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. According to the Fair Credit Reporting Act ( FCRA ), whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates ( 15 USC 1681 ( e ) ( b ) ).

Further, under 15 USC 1681 ( 5 ), they are required to do the following : ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general : After any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, if an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall : ( i ) Promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) Promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Finally, under 15 USC 1681s-2, furnishers of information are prohibited from reporting any information to consumer reporting agencies if they know or have reasonable cause to believe the information is inaccurate.
Product: Credit card

On XXXX a refund was applied to my credit card, giving me a negative balance. On XX/XX/XXXX I called the bank and was told the only way I could get this balance was via a credit refund check. The negative balance was taken off, and check number XXXX for {$1300.00} was allegedly sent to me. These transactions can be seen on the attached statement, dated XX/XX/XXXX. 
On XX/XX/XXXX when I had not received the check, I called to report it never came. They assured me the check had gone out, but cancelled it and advised they would send a new one - allegedly, check number XXXX. 
On XXXX I called for an update, but could get no written status of my check or any history of the issue. I confirmed my address with them, and was told the check was coming. 
On XXXX, same. 
On XX/XX/XXXX, same. 
On XX/XX/XXXX after still not receiving my check, I went to a branch of the bank to speak to someone in person. I was denied any customer service, and merely given a number to call. This conversation was another runaround, wherein I was assured yet again my check would come and that a letter notifying me of the issue would be emailed to me. The letter sent was a copy of my current card statement, with no mention of my check anywhere to be found. It is attached here. 
On XX/XX/XXXX I am submitting this complaint, being still out {$1300.00} from CapitalOne.
Product: Credit card or prepaid card

I have an American Express card ( cardholder for about 35 years ) and it has 3 cards attached to it. 
One of the card holders ( Card # 3 ), I noticed charges from an XXXX-related internet service from the State of Washington, in the amount of {$14.00} for several months. 
The card holder denied ordering this service ( I know they would never use such a service ), and they called XXXX to inquire/cancel the charge. 
The charge - despite being cancelled/disputed - continued to hit Card # 3 's American Express card. So I did the next best thing. I cancelled the XXXX card # 3. 
Today, I saw this totally bogus charge of {$14.00} hit my OWN card ( Card # 1 ). 
IMHO this can only happen if this is an inside operation between XXXX and XXXX. 
Here is the bogus charge which hits every XX/XX/XXXX of the month : XXXX XXXX XXXX {$14.00} State of Washington.
Product: Bank account or service

I have a checking account with Capital One 360 that I 've had since XXXX. About a XXXX I went to use my ATM/check card for a gas purchase and the card was declined. Thinking it was the machine, I went to another location and again was declined. I contacted Capital One 360 customer service and was advised that my card had been " deactivated '' and they had sent me a new card in the mail that I " should '' have received by then. Capital One provided no communication to me ( I login to their website almost daily and a simple message or note would have sufficed ) and " deactivated '' my card that was not yet expired so that they could provide me with the new updated card with the chip security feature. I 've since contacted Capital One and provided them with the opportunity to resolve this matter and am not satisfied with their explanation. They stated that because their rep. offered me the opportunity to get back into my car and drive back to the store to make a " one time '' withdrawal/ purchase and then they would " deactivate '' my card again. I do not feel that it is acceptable to say " because we gave you the opportunity to go out of your way and make a one time/ educated decision on how much money you need to withdraw, we feel we have corrected the situation ''. The fact of the matter is that my card was not expired and the entire situation could have been handled differently to avoid putting me the " consumer '' at harm- again, this was the period right before XXXX. Heartless. I 've read the cardholder agreement and find no acceptable clause that relates to this issue and I do not find it to be legal or acceptable from a customer service standpoint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX and XXXX have been allowing someone to run my name and social and I have been getting hit with hard inquiries that are fraudulent and causing my credit score to fall Equifax Fraud dispute number XXXX I also called XXXX and XXXX XX/XX/2022 and filed fraud claims as well Equifax is reporting 20 hard inquires on my credit file and I had 0 inquiries last month when I called to check upon speaking with the Equifax agent she made me aware that there were 20 inquiries besides the one that I call about and when I checked it was indeed old fraudulent inquires that were disputer from my account years ago that they placed back on my file!
Product: Money transfer, virtual currency, or money service

I have a crypto account with Gemini Trust Company LLC, located in the State of New York. On XX/XX/2022 I attempted to purchase {$310.00} worth of Doge crypto currency, but in error I typed {$3100.00} which made it appear as if I was purchasing {$3100.00} worth of Doge crypto currency. My bank immediately stopped payment on that transaction thinking it was fraudulent, and the Gemini company contacted me by email to say my account was frozen, as they too also thought it was a fraudulent transaction. The {$3100.00} transaction was not approved by my bank, which I found out later, and I also never received {$3100.00} worth of Doge crypto in my portfolio. The freeze has since been removed but I am unable to purchase or trade and my account has a notification that I would not be able to have full access until I sell my other crypto currencies, or transfer cash to my account to offset the negative {$3100.00} I am now being charged for crypto currencies that are not in my portfolio. 
I was assigned a ticket for this case. If you need that number please let me know. 
Thank you in advance for your assistance in this matter.
Product: Student loan

When the Covid-19 pandemic first began in XXXX, Wells Fargo gave me a 3-4 month forbearance due to the pandemic, but began recollecting payment after. Because we were working reduced hours, we applied to Wells Fargo 's student loan modified monthly payment program in XX/XX/XXXX but were both denied for unknown reasons. Wells Fargo then continued to collect full payment amounts for over a year as if no pandemic occurred even though my cosigner and I were working reduced hours since the pandemic started in XXXX. We still are working reduced hours in XXXX. In the summer of XXXX, Wells Fargo handed or sold off their student loan collection to XXXX XXXX, which is not Wells Fargo anymore. They collected student loan payments while federal programs have paused recollection. Many private lenders even gave postponement of payment or alternative payment plans to help borrowers repay lesser amounts than their regular pre-pandemic amounts. I did not want to refinance my private loans with another private company because of interest and transfer fees which would defeat the purpose of paying off a student loan, and was not ready to go back to school because of pandemic restrictions around the world. I wanted a lower monthly payment but Wells Fargo or XXXX XXXX claims they can not reduce my monthly payment at all.
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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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.
Product: Payday loan, title loan, personal loan, or advance loan

I keep receiving denial emails from CashNetUSA to which I have never applied. Furthermore the denial email states I was denied because of previous applications or loans. I have not done business with this company nor have I applied for a loan with this company in the past several years
Product: Credit reporting or other personal consumer reports

I canceled the insurance for XXXX and they claim I did not cancel it they are trying to charge me {$690.00} that I do not owe them because I canceled my insurance they are saying I owe over a month after I canceled it I do not know them this money please have them delete this from my credit reports I asked for proof all they can send me is that XXXX says I did not cancel I called and talked to an agent and told them to please cancel my insurance and at that time I had a XXXX balance it was right after I paid the last month
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4700.00}, {$760.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for  dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and  appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -This is not my account. 

-- AUTO ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$760.00} -This is not my account.
Product: Debt collection

Previously disputed account through CFPB reference # XXXX and CFPB reference # XXXX different occasions regarding same account and results came back with exactly same answer. Account is inaccurate and has not been verified with my signature on it. I do not recall having account open and account continues reporting on credit report. Account still reporting open b y XXXX while in collection by XXXX date closed is missing by both bureaus and date last verified is missing by XXXX. Stating dispute resolve! Results on CFPB states account shows no record of being disputed. This is false account has been disputed. Enough time has been given and still reporting inaccurate.