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

This is my Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX  XX/XX/scrub>/2023 XXXX XXXX XXXX/XXXX/2023 XXXX XXXX XXXX  XX/XX/year>2023 XXXX XXXX XXXX XX/XX/scrub>/2023 XXXX XX/XX/year>2023 XXXX XXXX/XXXX/2023 XXXX XXXX  XX/XX/year>2023 XXXX  XXXX XX/XX/year>2023 XXXX XXXX XXXX/XXXX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a car loan with Ally financial and they have not been reporting to my credit report every 30 days I have called about this numerous times. I called Ally on XX/XX/XXXX and they stated over a recorded line that my payment statement had been sent to all 3 credit bureaus on XX/XX/XXXX and it would post in 3 to 4 business days. My car payment has not been posted to the credit reporting agencies since XX/XX/XXXX which cause inaccuracies on my credit report in which is a direct violation of the FCRA in which my car payments should be reported to all 3 credit bureaus every 30 days. Because of this it has cause a 30 day late. With XXXX  30 day late on XX/XX/XXXX, XX/XX/XXXX. XXXX  30 day late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XXXX  30 day late XX/XX/XXXX, XX/XX/XXXX all of these dates are inaccurate and I request that these late entries be removed and my most recent payment billing statement be reported to all 3 credit bureaus.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit reporrt amd seen fraudulent activity on there please remove all fraudulent accounts as it is hurting me from obtaining credit as well as violation. and according to 15 USC 1681s-2 they are suppose to 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: Checking or savings account

Very XXXX Wells Fargo charge me for overdraft fee even when I bring my account to even balance the charge me again with overdraft fee and my account get negative again XXXX XXXX XXXX XXXX the charge me overdraft And also there was an account keep charging me for over XXXX XXXX and i couldnt see the charge on my statements I find out this when I open a fitness account from other state they told me there another Account another your name when I called them they said to me that we charge you every XXXX XXXX XXXX XXXX XXXX now and you dont know it I told them this account I close it why they charge me, the problem was fitness kept getting there fee out of my account but the fee wasnt appear to my bank statements such this I dont know how many more stuff charging the account and not appear in banks statements
Product: Credit reporting, credit repair services, or other personal consumer reports

THE INFORMATION LISTED SEVERAL ACCOUNTS WERE OPEN FRAUDULENTLY SUCH AS LOANS, CREDIT CARDS, CELL PHONE ACCOUNTS SOMEONE USED MY IDENTITY USING MY SOCIAL SECURITY NUMBER AND ID TO OPEN THESE ACCOUNTS THAT DO NOT BELONG TO ME I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRAS. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit card or prepaid card

Synchrony Bank has a program where they automatically force customers to join a promotional financing plan, and the monthly statement does not explain fully how this works. The plan was activated for {$500.00} or more at XXXX time, now they have lowered the charge amount to {$190.00}. When I pay my monthly bill, I pay more thinking that the extra money will be added to the promotional financing amount. That does not occur. Nothing on the monthly statement tells the customer how this program really works. 

I called Synchrony Bank on XX/XX/2023 and talked to a supervisor. I was told that the customer has to call Synchrony every month and tell Synchrony if the customer wants to add some of the monthly payment to reduce the promotional balance. The supervisor told me that the promotional amount for my charge will be {$30.00} a month. I charged {$320.00}. There is no way I can pay {$30.00} for XXXX months, to pay off a promotional charge of {$320.00}. Synchrony tells the customer to pay the promotional amount in XXXX months, or they will charge the customer interest. There is no way to do that! 

This scam is not outlined on the monthly statement! Synchrony forces the customer to use this promotional plan, then makes it impossible to pay it off, then charges the customer more interest after XXXX months. When I asked not to be included in this confusing promotional financing plan, my request is ignored and denied! 

The monthly statements explains this promotional financing plan. Nowhere in the explanation does it mention calling Synchrony every month, and telling the operator that you want money added to the promotion balance. 

I had this problem before. I went to XXXX for repairs on my car. XXXX charged me a little over {$600.00}. I charged it on my Synchrony credit card. I later discovered that the repairs were not fixed, and got a full refund. I put the money back on my Synchrony card. None of that payment was applied to the promotion balance. Synchrony never told me about calling in every month!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently in the XXXX XXXX. While XXXX XXXX my information was compromised. Because I was in another country, it was difficult sending dispute request via online. When I got back stateside, I submitted all my information letting them know that several accounts were the result of ID theft. They did not fix the errors. I hope that contacting your agency will finally help me.
Product: Debt collection

I received a telephone message on XX/XX/XXXX at XXXX XXXX  and XX/XX/XXXX at XXXX XXXX  ( see attached voicemail transcripts by my phone carrier ). I returned the initial call at XXXX XXXX  and left a message for XXXX XXXX at XXXX. 

On the following day, XX/XX/XXXX, I called again and spoke with XXXX XXXX XXXX who identified herself as being from Sunset Solutions in North Carolina. XXXX XXXX XXXX stated that they have offices in many places. ) She stated that I had an outstanding balance with XXXX of {$7100.00} and she was prepared to offer me pandemic relief for half the amount {$3500.00} as a settlement of this debt. 

I explained that I did not owe this debt and had in fact settled this {$7100.00} XXXX debt via another agency, XXXX XXXX XXXX, in XXXX. She advised me to send documentation of payment to XXXX, which I forwarded on XXXX XXXX  on XX/XX/XXXX. ( I initially sent this to the wrong email address : XXXX. When I received a notice from my email carrier stating this was not deliverable, I forwarded the email to the correct address. ) I spoke with XXXX XXXX of XXXX XXXX at XXXX again today XX/XX/XXXX at XXXX XXXX  in response to her voicemail message at XXXX XXXX. ( She initially provided a different number XXXX. ) She stated that the documents from XXXX did not state paid in full, and that the account to which Sunset alleges is in question is XXXX for {$7100.00}. This is the EXACT AMOUNT referenced under XXXX account number XXXX. 

Firstly, I notified XXXX XXXX that I did not receive notification of this alleged issue in writing of and she replied, things are different these days. Further, I requested a validation letter substantiating this alleged debt. XXXX XXXX indicated that this this would have to come from another unspecified entity ( To to me, meant that they were not the party responsible for this and I believe that this is incorrect ). 
XXXX XXXX stated that she will mark the file as disputed and stated that I should take my documents to court. 

As I had only XXXX XXXX XXXX, I believe that Sunset Solutions is attempting to collect a debt that was resolved in XXXX by another agency, XXXX XXXX XXXX. ( In addition, I believe that the statute of limitations may also be a factor, since this matter is now over 8 years old. That being said, I am sure that this debt was already paid. ) I provided the following documentation to Sunset Solutions and am attaching them herewith : ( A ) Statement from XXXX XXXX XXXX XXXX XXXX which indicates the amount owed of {$7100.00}. XXXX XXXX XXXX offered several payment options, to resolve this delinquent account. I chose payment plan number 3 for three separate payments of {$1600.00} to settle my account due on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
( B ) Three bank statements which indicates three withdrawals drawn on my bank on the following dates : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. All were automatic deductions from my account. 

In addition, I am attaching herewith copies of phone messages left for me on my voicemail and transcribed by my phone carrier, two of them threaten legal action.
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 Regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

I am receiving letters from Wells Fargo stating that I have to raise my flood insurance coverage and has forced place coverage on my current property. I have called them several times. They have stated they will reach get in touch with my insurance company which they have not. In addition to the Wells is stating all my insurances must match, which my insurance agent has stated is false according to the according to NC law, they must be with XXXX % of each other which they currently are. Wells Fargo is trying to force place coverage on my property when it is not required on XXXX parts. One they do not have replace cost estimator from my insurance company. The issue according to my Insurance agent is the my policy is currently withing XXXX % of all my other policies which is within NC law. No one can confirm where they are coming up with the replacement cost coverage other than they must match. The only thing I have seen on file is appraisal which is under the required amount and my insurance agent has emailed me the replacement cost estimator. My problem with all of this is that the investor on the loan is XXXX XXXX which Wells is servicing the loan for and now we are told this is Wells Fargo 's rule not the investor. Frustrating that a bank is making up the rules when it should be insurance company and the state that is providing the coverage. In my opinion Wells should have asked a replacement cost estimator from the current Insurer instead of assuming coverage is not adequate. I am sure if we look closely that the additional charge for the additional insurance cost is a benefit to Wells Fargo in some financial way.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX XXXX, I set up a XXXX transfer of XXXX  from XXXX to XXXX to pay for a car, transfer number XXXX. The company account was correct but the car dealership give me the incorrect company name. Then the funds never arrived and to this date Wise has still not refunded the wire transfer. All this money somehow missing and Wise is not taking responsibility.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agencies XXXX, and experian use the same practice .... When I dispute a negative item that has been on my report 7 plus years, they give the account a new date opened date, I don't think that is fair at all, when they give the account a new date account opened date, that allows the negative account to remain on your report... I thought once an account has been on your report 7 plus years it's suppose to fall off your report, I have positive accounts that have reached the 7 year mark and they have fallen off my report, I truly feel the reporting agencies are in cahoots with the banks, finance companies, ect... .they make it hard intentionally for you to clean up your report, because if everybody had good credit the banks wouldn't make any money, and they wouldn't be able to charge out of this world interest rates .... I think the credit reporting agencies have too much power over your finances and life, I would love to see the credit reporting agencies STRIPPED of some of the power they have over people lives .... And I would love to see the practice of giving disputed items new dates the account was opened, totally unfair practice ....
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts stated above 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
Product: Checking or savings account

I did a XXXX transfer of money just like I've done for years and it still isn't in my Mountain America Credit Union account. It was on XX/XX/XXXX for {$590.00}, I even paid a {$9.00} fee to make it an instant transfer to pay my mortgage, and now have an over draft charge and this will lead to more overdraft charges for my auto pays if its not there very soon. I spent hours on the phone with XXXX, and they say it went just like it always has with no issues on their side. XXXX suggested I call Mountain America Credit Union, so I did, and spent hours with them saying they can't find my {$590.00}. I have proof on the XXXX side that I receiced the money and it was transferred to my Mountain America. Neither institution admits to having my money. I don't know what to do to get my money in the bank to cover my obligations. 
Please help me! 
Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

You are completely In violation and knowingly and willingly reporting fraudulent inquires your agency did not did not do any investigation on the fraudulent inquires you are reporting. I have contact all companies supplied them with my police report and my FTC affidavit as i was told to do by the police station and also by CFPB and they have no such application under my name .1. I have contacted the creditors directly ( multiple times ) and was information they have requested to have this fraudulent inquires removedI am requesting that you abide by the Fair Credit Reporting Act and remove these fraudulent, inaccurate, and unverifiable inquiries that do not have any permissible purpose. If you fail to do so, I will be lodging a complaint with the Consumer Financial Protection Bureau and detailing your neglect regarding this very serious issue. Please remove the following inquiries from my credit report immediately : It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out of my credit file. the fraudulent inquires need to be deleted immediately or I will seek legal representation without further notice and will use these responses and dispute as proof of your neglect and violation of the FCRA and Identity theft laws. The following inquires that are fraudulent as follows XXXX XXXX  XXXX - XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XXXX XXXX XXXX.
Product: Vehicle loan or lease

In accordance with the fair credit reporting act XXXX  account number # XXXX Ally Financial has violated my rights. 

15 USC 1681 section 602 States I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also States a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a account under an open end consumer credit plan as late for any purpose. 

Late payments reported XX/XX/XXXX - {$290.00} XX/XX/XXXX - {$290.00} XX/XX/XXXX - {$290.00}
Product: Credit reporting or other personal consumer reports

I discovered unauthorized inquiries on my credit report, which I just obtained in copy form. My chances of obtaining new credit have been harmed by this. I request that you take the following inquiries down right away. 
XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Vehicle loan or lease

Last year the car dealership repossessed my vehicle and I wasnt even late on my payment.. I always paid bi weekly on time. I was on XXXX at the time through my job due to a XXXX so after several months I let them no I will not be paying biweekly anymore I will be paying monthly. I made a full payment XX/XX/2023 with no late fee or anything I was in good standing. I informed the dealership I will be paying the full monthly amount in 30 days due to my income and they agreed to the changes. Two days before the payment was due I went outside to head to a doctors appointment and the car was gone. I couldnt believe my eyes. I cried all day because I couldnt understand how and why they would come repo my car and I wasnt even late. I called the dealership and they wanted to change me XXXX dollars for the tow. Another car payment and all these extra fees. I told them I couldnt afford that and I ask why would they take my care after we had an agreement on the due date. They left me with nothing except a tag to my car which was a XXXX. I was so relieved to see that other people had the same problem and it wasnt just me. Not happy to see other people going through this but knowing that I wasnt crazy nor in the wrong. Ive been through two XXXX XXXX since and mentally Ive been struggling after almost 6 months of car payments that was never late
Product: Credit reporting

Equifax continues to report a tradeline for the collection agency, XXXX XXXX in spite of the fact that the account can not be verified. I contacted XXXX XXXX directly and they informed me that they did not have any accounts associated with my social security number. I subsequently disputed the account with Equifax, XXXX and XXXX. In response to my dispute, XXXX and XXXX removed the account from my report, but Equifax has continued to report it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Equifax Account Type : Account Type - Detail : XXXX XXXX account Equifax XXXX XXXX XXXX XXXX XXXX XXXX : XXXX {$12000.00} Equifax {$12000.00} XXXX : XXXX Last Reported : XXXX XX/XX/XXXX Equifax XX/XX/XXXX XXXX XX/XX/XXXX Date Last Active : XXXX XX/XX/XXXX Equifax XX/XX/XXXX XXXX Times XX/XX/XXXX days late XXXX XXXX Equifax XXXX ( different XXXX different sites ) XXXX XXXX A ) As you can see I'm making my complaint because the credit bureaus are reporting inconsistent and inaccurate repossession information that are damaging my credit report. 
B ) Other information is inaccurate also which means the negative item on my my report is illegal and against the Fair Credit Reporting Act. 

I HAVE SENT OUT AND CALLED MULTIPLES TIMES REGARDING THIS MATTER AND HAVE NOT RECEIVED ANY INFORMATION BACK.
Product: Credit reporting or other personal consumer reports

Hello. Ive tried over the course of the last several months. To contact Experian FICO SCORE XXXX COMPANY, in regards to my Experian Score being significantly inaccurate and lower than my XXXX XXXX XXXX credit reports. 

I am a XXXX & XXXX respectively. 
However Experian reports a staggering XXXX FICO SCORE XXXX Report within their agency. 

This is not a small difference, but an entire XXXX XXXX and XXXX points worth of inaccuracy. I need this urgently resolved please and thank you. 

I have no outstanding debts and owe at most. XXXX $ & XXXX $ to collections and recently resolved and settled a claim for XXXX dollars. I have been rebuilding my credit. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & this report is affecting my life. & my ability to gain capital as well as interfering with my inquiries for a new car & future living spaces. 

The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.

Under section 609 of the FCRA, a consumer reporting agency must, upon a consumer 's request, disclose to the consumer information in the consumer 's file.

FCRA section 607 ( b ) provides that [ w ] henever 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.
Product: Debt collection

The collection agency constantly call me every hour all day long. They call my job all day as well. They call disclosing information that should not be disclosed. It is most definitely embarrassing. They call my cell phone late at night as well. The latest they have called me is after XXXX. I am really tired of this. There tactics are ridiculous!!! I would appreciate it if something could be done about this.
Product: Debt collection

Portfolio Recovery XXXX XXXX,2012 Amount : {$XXXX} I 've disputed with portfolio recovery with XXXX they failed to remove my account. I do not have a signed contract with Portfolio Recovery Associates this account is invalid. Please remove this account. I have never done business with them.