23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

When I took out the loan for the car it was drivable but weird bc they told me to make payments at a gas station so I just wanted to see for myself but made payments threw the company then I noticed threw out time something was wrong with the truck one week it stopped then the car starter acted up then I noticed the wire were tapped in side the car then screws were missing I went back and said well theres screws missing in it and it looks old they said its used what do you expect then I said I have to pay XXXX for this and year its used maybe its the way u driving it
Product: Credit reporting or other personal consumer reports

I am filing a compiaint against XXXX for failing to properiy investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit card or prepaid card

I currently hold XXXX Synchrony Credit cards. The dispute I have is with one for Care Credit. 

On XX/XX/XXXX, I called in to the customer service line to make a payment to a specific purchase on this card. These transactions offer promotional periods for free APR if paid off by a certain time. The only way to make a payment and have it be allocated to a specific purchase is to call and direct them to do so. I have done this several times as well as my wife. Their customer service were the ones who explained this to us as I have a long credit history with them. When I called to make the payment, I was assured that it would be applied to the balance for the initial purchase amount of {$1200.00} specifically because it had already expired. I was intentionally trying to pay that particular balance down to no longer incur the high interest charges. The payment was in fact not allocated to that specific balance and was instead applied to where they felt like it. 
Upon contacting customer service multiple times, after being told that there was nothing that I could do and that this was how they allocated the payments I was escalated to the highest level of customer care where I was informed that there was nothing that they could do and that it was their obligation pursuant to the Credit Card Act of 2009 to apply the payment to the promotion purchase that was the closest to expiring and that was the law. I was told specifically by the representative when I made the payment that it was applied to the balance I had requested it be applied to as that is the only way to accomplish this. 
The Credit Card Act of 2009 actually states the opposite of what the supervisor told me. It states " Payment rules : Credit card companies must apply payments to a consumer 's highest interest rate balances first. '' Not only was I deceived and then lied to, but i also incurred unnecessary interest rate charges as a result.
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 XXXX and Transunion credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX  Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

After thoroughly reviewing my TransUnion credit report, I was alarmed to discover multiple errors that should never have been there. These are not minor mistakes ; they are actively damaging my financial reputation and creating unnecessary obstacles. I will not allow misinformation to dictate my creditworthiness and demand an immediate and thorough investigation. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. If these disputed items can not be substantiated with solid evidence, they must be removed immediately. This is not a mere requestit is a demand for compliance with federal law, and I expect a prompt resolution. 

Company Name : XXXX - Date of XXXX : XX/XX/year>
Product: Money transfer, virtual currency, or money service

I immediately canceled my {$5000.00} funds transfer approximately 30 minutes after it was approved by Western Union ( and before dispersed by my bank ) on XX/XX/19 because it was going to take to long to process. I did this by phone and was told it had been canceled and it may take 7-10 days to receive my refund. I then received a confirmation email saying my transaction had been canceled and would be refunded. It is now over a MONTH later and I have not received my refund. I have called at least 4 times, talked to multiple people and EVERY TIME am told that whatever the issue was, it has been resolved and it will be refunded in 7-10 days. The most recent phone call was on XX/XX/19 ELEVEN business days ago. I have repeatedly asked for a confirmation number for this issue or some kind of confirmation that it has been resolved and they just say, no sorry we don't have a way to do that. 

I have also asked for names of the agent I am talking to and am only given 4 letter first names. The last person I talked to also gave me her ID number, which I didn't know they had since the first several people had not offered that information. Also, mysteriously, my calls get dropped every single time I talk to them so that to get through to a person and to get through discussing an issue, I have to call back multiple times, start over multiple times, and talk to multiple different people. 

I was told at one point that the issue was I didn't answer a phone call about my cancellation. I don't know why I would need to discuss anything further if I had already discussed it in person with an agent, was told it was processed, and received a confirmation email saying it was canceled. I did receive another email after the missed phone call saying that because they couldn't reach me by phone, my transfer would be canceled and funds refunded ... great, sounds like what I had already done and was wanting ... yet still no refund and no explanation.
Product: Mortgage

The amount due on the loan for XX/XX/2018 was {$480.00}. I had requested at an earlier date that any overage be applied to the principal. I sent in a payment of {$1300.00}. The amount they applied to escrow was {$140.00}. The amount applied to the principal was {$780.00}. The amount applied to interest was {$420.00}. My interest rate is 8.24 %. The amount that should have been applied to interest was {$210.00}. The excuse they used for charging so much interest was they thought I was making two payments. I did call and they said that they would resolve the issue but my concern is that if this is a common practice other people might not catch this and end up paying more interest than they had agreed to. The company 's name is 21st Mortgage Corp. NMLS # XXXX, XXXX XXXX XXXX XXXX TN. XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 uSC 168 ( a ) ( 4 ) there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
I demand a deletion of all personal identifiable information from my consumer credit report with the exception of ( 1 ). XXXX XXXX ( 2 ). XXXX XXXX XXXX # XXXX XXXX XXXX Michigan XXXX. 
Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses and please update with the one above. 
I do not want my phone number included on my consumer report! Please delete any and all phone numbers! I demand my social security number and date of birth to be removed from being displayed on the credit file for privacy reasons. 
Please delete all information in the employers section. Pursuant to the Fair Credit Reporting Act 15 USC 168 ( a ) ( c ), I am a federally protected consumer and I have a right to privacy, not granting my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : XXXX XXXX XX/XX/1977 Last 4 of SS # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX Michigan XXXX
Product: Checking or savings account

On XX/XX/XXXX and XXXX XXXX I noticed funds being taken from my account. I received a text from.chime that asked me if it was me and I said no. They still allowed the transaction ls to go through. I called the police and also went to the store where it happened and got the surveillance footage. It clearly shows it's not me. The police stated their are others with the same incident and they are investigating. I filed a police report. I called chime and disputed the transactions. XXXX transaction for {$400.00}, {$500.00}, another transaction for {$200.00}, ans another transaction for {$200.00}. After the dispute they only gave me back {$400.00}. And denied the rest of the transactions although the detective sent them a memo stating I didn't make these transactions and their is a police report with an active criminal investigation. Chime is violating its duty of care and fiduciary duty as well as the title 5 privacy act. It's apparent my info leaked from.chimes system. I request my funds returned immediately.
Product: Credit reporting

I disputed incorrect information reported on my credit report and asked for verification and validation of debt. I did not receive validation and verification of debt. The request has been over 60 days. The debt is with XXXX and US Dept of Education.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent or authorize any person or company to benefit from my credit nor report the account on my report Account Name Account Number XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 


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  Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit card or prepaid card

Good day, I have tried many times and submitted documents to Norstrom Credit Card Services through XXXX, XXXX and XXXX, informing that I had financial difficulties during the pandemic, I was in XXXX twice and then I was diagnosed positive with XXXX, I submitted probe through the XXXX credit bureaus, Norstrom does no want to removed the late payment from my credit report. 

Thank you
Product: Debt collection

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. 

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.
Product: Checking or savings account

Bank of America closed my checking account back in XXXX, they did not give me any reason, I was costumer with them since XXXX when I was an international student. I went to the branch and tried to open a new account with them, they told me they would not be able to open any account nor any business relationship with me. I really enjoyed banking with them, and looking forward to solve the misunderstanding but they would not tell me the reason and that is difficult for me.
Product: Money transfer, virtual currency, or money service

I received a Form 1099-K in the mail stating I had over {$8100.00} of income last year through the app. I've never used the app, so someone seems to have created an account with my identity. 

Cash App has been very unhelpful, suggesting that I report it to local police and report to XXXX. I filed a report, but it also tells me to contact Cash App. Shouldn't Cash App be the one doing the investigation of who opened the account under my name?
Product: Debt collection

XX/XX/21 Ally financial was found guilty in lawsuit which cleared out loan in question due to a repossession. 
XXXX is illegally trying to collect on a debt which was apart of a lawsuit Please stop contacting me on this matter
Product: Credit reporting or other personal consumer reports

Please be advised that this is my 3 rd WRITTEN REQUEST AND FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my right and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 
Despite my previous 2 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You stated in your responses to my 2 dispute letters that you have verified that the items listed below are accurate, but you failed to send me copies of the documents that you used to verify these accounts as per my request. The fact that you have ignored my request to send me copies of that of the documents that you used to verify the disputed accounts like you said you did. Your failure to delete the disputed accounts that you can not verify after 2 written requests is also evidence of your Willful disregard of Federal Law. 
When we go through the discovery process you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. The fact that you do not have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and Court will order you to delete them. 
You say that you have reinvestigated these accounts but you have admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation in violation of 1681 { a } { 4 }. 

I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law and evidence of your willful disregard of the law. 
Please be advised that under Section 611 { 5 } { A } of the FCRA-you are required to .PROMPTLY DELETE ALL INFORMATION WHICH CAN NOT BE VERIFIED. I request that you do this immediately. 
The law is very clear as to the Civil liability and remedy available to me { Section 616 & amp ; 617 } if you fail to comply with Federal Law. I am a litigious consumer and fully intend on fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
I DEMAND THAT YOU DELETE ALL OF THE ACCOUNTS LISTED BELOW IMMEDIATELY. PLEASE PROVIDE ME WITH A COPY OF AN UPDATED AND CORRECTED CREDIT REPORT SHOWING THAT THESE HAVE BEEN DELETED. 

Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account Name 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

XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX TODAYS DATE : XX/XX/XXXX IQ DATA INTERNATIONAL XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious IQ DATA INTERNATIONAL XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Payday loan, title loan, or personal loan

Company has been calling me all day and late at night around XXXX and XXXX harrasing me for payment during the Covid disaster
Product: Mortgage

Upon receipt of a timely requested appeal, Bank of America GRANTED a Making Homes Affordable Home Affordable Modification Program ( MHA HAMP ) as evidenced by the Appeal Report if XXXX XXXX, XXXX issued by the Bank of America Appeals Department. The home loan account and borrower were directed to a HAMP Trial Payment Plan ( TPP ). Obviously, this never happened. What did happen is as detailed below. 
The then assigned single point of contact/customer relations manager ( SPOC/CRM ) XXXX XXXX issued two MHA HAMP DENIAL letters. The first is dated XXXX XXXX, XXXX, two days before the date the Appeals Department issued their determination, and the other dated XXXX XXXX, XXXX, XXXX days after the Appeals Department issued their determination. These documents are not modification denials on appeal issued by the Appeal Department. The creation of modification or loss mitigation approval and denial letters are not under the purview, duties and responsibilities of the SPOC/CRM. The job of the SPOC is to provide the information collected from the various departments who originate, establish, control, maintain and determine data, documents and decisions related to the modification and loss mitigation processes. 
Bank of America has been paying the XXXX ( XXXX ) insurance for this property and account since XXXX. This year, Bank of America decided not to pay the XXXX portion of the property insurance and have refused to pay it after I made several written requests for the Bank to do so immediately. An authorization to pay the XXXX insurance out of the escrow account associated with this home loan account has been provided in XXXX, prior to the first payment, but after the last mortgage payment I made in XXXX XXXX. By paying the property taxes and all insurances, Bank of America has firmly established a clear and long-standing practice to do so and to continue to do so without interruption and timely. 
Furthermore ( and for informational purposes only ), I was notified the account is in active foreclosure. Since no MHA HAMP has been formalized or finalized after the date the MHA HAMP was granted on appeal, the modification process has not been completed and, therefore, pending. Duel Tracking is prohibited. Refer to Bank of America document of XXXX XXXX, XXXX that Bank of America provided to me twice. 
All documents provided with this complaint have been downloaded from the Bank of America Modification Status Online Portal from the documents tab. The original document name/number has not been changed.
Product: Credit reporting

I am currently residing in XXXX and would like to get my annual ffree credit report. But the website is not available from myLocation. I called the number given XXXX, butThere is no assistance to talk. The access to website mustNot be restricted from the location where I live. Let me knowthe best way to get my report.
Product: Payday loan, title loan, or personal loan

I never applied for a loan and made so many disputes since this showed on my report..I never had a loan from this Heights Finance/ XXXX to miss a payment. My payment history was 100 % before they reported that I had an account with them and then started hurting my credit with 30 to 60 days late payment knowing that the monthly payment as they stated is {$86.00}. I have larger amounts to pay my car loans and some of my credit cards and kept a 100 % payment history before this happened..If it was mine, I would've never risked my credit going bad and I would've paid it all off. But this account in Fraudulent.

During m phone call to this company, I was informed that they send pre approved checks to mail boxes and they sent it to my previous address that I left earlier this year. So no credit application, no risk assessment and when the check went to an old address and God knows what happened with it..They started putting it on my report and I started disputing for inaccuracies first but when thy started blaming me for late payment getting my 100 % payment down to 98 %, I realised that this is Fraud.

Please ask this company if they have any credit application from me, studied my credit worthiness, risk assessment or even made sure the check went to the right correct address and I know for a fact that none of these criteria for lending were satisfied.