23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously sent my written request to TransUnion about blocking or removing all the information that is erroneous and fraudulent. However, that request was never granted or any feedback was never done by the agency. Now, I would like to ask for your help to get rid of these items or have TransUnion get back to me with regards to the issue. Here are the items that concern me : XXXX XXXX XXXX  XXXX Balance {$15000.00} XXXX  XXXX Balance {$2600.00} XXXX XXXX XXXX Balance {$2400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has failed to comply with the request of the investigation. I specifically asked to provide the names and business addresses of each individual with whom Experian verified the information in question, so that I may follow up, and yet again, Experian has not done so. I have highlighted this section in the letter provided. Experian is not conducting proper investigation and need to be held accountable for this harmful act.
Product: Credit card

the card is apple card un charge the {$550.00} but I call the costumer service and tell apruve this mistake but in My statement does not disappear only change the # the card but this many stay old the tima as if it should thank you
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App

( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E.
These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

I filed a complaint with my bank about fraud on my card on XX/XX/2018, there were 50 charges totaling {$2000.00}. I was informed by my bank today that they could not prove the charges were fraud. And that they look at the charges as a whole and if they think one is not fraud then they refuse to refund on all the charges. In this case 45 of the charges were out of state or internet games and 5 of the 50 charges were in my state but hundreds of miles from where I live. 

When I asked what steps the bank took to prove these disputed charges were not fraud they told me they could not tell me because it was bank secrets. 

Wells Fargo Claims # XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and realized I'm hiring information. I found there were fraudulent accounts that I have no knowledge of. I am disputing these inaccuracies and fraudulent accounts because none of these items on my report represent any transaction I made I believe I am a victim of identity theft these accounts being reported on my credit report cost for action of deletion because these accounts show many and accuracies or fraudulent charges not made by me across all bureaus show that these accounts this is in clear violation of my fair credit reporting act FCRA I asked that the council listed below be removed because it's in clear violation of the fair credit reporting action section 15 US code 1681 I procedure in case of dispute and accuracy. I asked that the accounts and inquiries be investigated roughly, and as a result removed from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Complaint Regarding Equifax Data XXXX Lawsuit Settlement Dear CFPB Representatives, I am writing to express my dissatisfaction with the handling and outcomes of the Equifax XXXX XXXX lawsuit settlement. As a consumer directly affected by this breach, I feel that Equifax has failed to adequately address the damage caused and has not provided appropriate restitution to those impacted. 

XXXX negligence in safeguarding sensitive personal data exposed millions of consumers, including myself, to identity theft and financial fraud risks. Despite their admitted responsibility for the breach, the settlement process has been deeply disappointing for the following reasons : XXXX. Insufficient Compensation : The cash payouts offered are inadequate compared to the financial and emotional harm caused by the breach. Many consumers have reported receiving minimal compensation despite experiencing significant disruption to their lives. 
XXXX. Delays in Processing Claims : The settlement process has been fraught with delays, leaving consumers uncertain about the status of their claims and any potential resolutions. 
XXXX. Lack of Accountability : XXXX ongoing operations appear unaffected, raising concerns about the companys accountability for the breach and whether sufficient measures have been implemented to prevent future incidents. 

As the agency responsible for ensuring fairness and transparency in consumer financial matters, I urge the CFPB to hold Equifax accountable for its actions and reassess the settlement process to ensure it truly addresses the harm inflicted upon consumers. 

I kindly request that the CFPB investigate these concerns and take steps to enforce stricter penalties and oversight for companies that compromise consumer trust and security. Additionally, I would appreciate any guidance or updates regarding my individual claim and the settlement process. 

Thank you for your attention to this matter. I look forward to your response and hope that steps will be taken to address these ongoing issues. 

Sincerely, XXXX XXXX
Product: Debt collection

They keep calling me, however when I answer no one speaks and after about 10 seconds it will disconnect the call.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : 1. XXXX XXXX XXXXXXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting this fraudulent account in my report and Equifax has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, this account was eliminated and not verified by others bureaus I don't understand how they usually say that this account is mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete this account. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
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 Number:XXXX Account Name : XXXX XXXX  XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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: Money transfer, virtual currency, or money service

I transferred money from my XXXX ( Truist / XXXX ) into my Truist Checking Account to pay off my mortgage. After received, on XX/XX/XXXX, I made XXXX separate transactions, the first for {$99000.00} ( XXXX available to transfer online ) and {$12000.00} from my Truist Checking account to my Truist Bank Mortgage. On XX/XX/XXXX, the {$12000.00} transfer posted to my mortgage. On that date " Both '' transactions were removed from my Checking Account. As of today, XX/XX/XXXX, the {$99000.00} has not posted to my mortgage. 

I went online to contact Truist about the " lost money '' today and received a run-around. Firstly, the wait time on calling was greater than XXXX minutes. After that, I chose to " Chat '' with an an online agent. Initially, the response was that it would take XXXX hours to research, That was unacceptable to me. After a few chats back-and-forth, I was told that the {$99000.00} payment was suspended for some reason. I asked the chat agent for a complaint phone line and there was not XXXX available. I also asked the agent to enter a complaint into their complaint management system and she/he was unable to enter the complaint. Apparently, her/his manager needed to enter the complaint. The chat system closed out after my request without any resolution. I asked if they could verify that a complaint was registered. 

During that process, I called a local branch ( XXXX XXXX, XXXXXXXX XXXX ) and " XXXX '' offered to help and he is supposed to call me back. XXXX was very professional but he could not define the problem based on what he saw in the system. 

I am concerned that an organization seemingly loses almost {$100000.00} of my money that is not accounted for in my accounts. Also, I am concerned that the XXXX ) Customer Service wait is excessive, XXXX ) The chat agents are unable to resolve obvious problems, XXXX ) There is no way for a chat agent or a client to escalate problems/ complaints. 

This is horrible client service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had the same company ( XXXX XXXX XXXX, XXXX ) XXXX ) has created false accounts and reported them to my credit report 3 times, which has had negatively impacted my credit report. I have contacted the agency they would temporarily take it off my credit report and then reopen another account at later date. is there anyway to permanently block this company from adding false claims to my credit report?
Product: Debt collection

My mother was admitted to XXXX XXXX XXXX XXXX  on or around XX/XX/19 my aunt XXXX XXXX XXXX was present during admitting ( they were supposed to be deducting the monies for the stay from my mothers account ) The bank account was magically closed after her death so we have no proof if this debt was paid. The company is currently going after my aunt stating she is the responsible party ( she DID NOT sign up for this ). I have contacted the company several times telling them I am her son and beneficiary ( they don't respond or answer the phone ) yet continue to harass my aunt. I don't believe this debt is owed. I think this XXXX XXXX is a scam and frankly it should be shut down.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX {$4700.00} was direct deposited into my checking account. And I have no idea why their payment schedule begins in XX/XX/XXXX. There 's nothing from XX/XX/XXXX when the loan was taken out until the first Payment schedule posted a year later on XX/XX/XXXX. When I go into my online account and try to download my statements it says there are no statements available and that I need to download XXXX XXXX and install it to be able to see the statements. I downloaded it and opened it and a program called XXXX XXXX installed on my hard drive and I can not uninstall it no matter how much I try. The only information given about my loan is when I click the icon that shows a percentage of how much of my loan is paid of the {$5000.00} loan that was taken out on XX/XX/XXXX until XX/XX/XXXX when the installment loan ends. I went over my bank statements and I shows that at one time I paid my loan twice in one month. So all 36 installment payments are up to date and paid in full with my last payment in XX/XX/XXXX of the amount of XXXX and then again on XX/XX/XXXX of XXXX. I ask why was this amount different from my usual XXXX and she said it was interest on late fees. WHAT!!! I just made two payments which the one on XX/XX/XXXXwas not suppose to be withdrawn from my checking account because I had already prescheduled for the last 3 month payments on the last Wednesday of the month. I ask in XX/XX/XXXX to have my payments scheduled to come out on the last Wednesday of the month because it was better and easier to make them at the end of the month instead of the middle.. So my payments were supposed to be scheduled to come out that way but it became a nuisance and got all mixed up because when I talked to customer service they would tell me OK your payment will come out on a certain day and we will note it down for you. But they continued almost every month calling me and saying my payments were late or they would like they did this last payment made in XX/XX/XXXX take it out twice. Once for the middle of a month and then again at the end of the month. So when they tried to get another payment for XX/XX/XXXX which I told them I didnt owe I had to stop payment on them because they did not have my permission to withdrawn money from my checkings account. I tried to remove my bank information that they had on file and they wouldnt let me remove it. So as far as Im concerned they had no right to get in my checking account. So as of XX/XX/XXXX my balance past due is XXXX with interest, plus non-sufficent funds and late fees. In which I have proof that I do not owe.
Product: Vehicle loan or lease

Purchased car from XXXX XXXX in XXXX, NH in XX/XX/XXXX. Dealer arranged for finance through TD auto finance. Vehicle was delivered to our home in XXXX. Now, in XX/XX/XXXX, we moved to XXXX from XXXX. To register our car in XXXX, the local MVC/DMV would need a filled title form from TD auto finance. We faxed the right form to TD auto finance several times during XXXX XXXX. To date, TD has NOT sent us the filled out form citing reasons that XXXX XXXX messed up/lost title or any lame reason. Now, we have an unregistered car sitting idle and not drivable due to the sheer ignorance and recklessness of TD auto finance. Our 50+ calls for the last year got us nowhere and we have been immensely stressed about this. There are several similar complaints against TD auto on various websites. Please help.
Product: Checking or savings account

I am writing to file a complaint regarding overdraft fees and a late payment report placed on my account by Navy Federal Credit Union, which I believe were applied unfairly. 

In the months of XXXX XXXX XXXX  while unemployed, I transferred funds from my savings account to my checking account to cover an auto loan payment with Navy Federal . Although the transfer was initiated before the loan payment due date, Navy Federal delayed processing the transfer by several days. As a result, they charged me overdraft fees and reported the payment as late.

Despite multiple attempts over the years to resolve this issue with Navy Federal, they have refused to remove the fees or correct the late payment on my account. I provided evidence showing that the funds were available in my savings account at the time of the transfer and that the delay was caused by their processing system, not by my actions. 

This unresolved issue has negatively impacted my finances and credit score. I believe Navy Federals actions violate fair banking practices, and I am seeking the removal of the overdraft fees and the inaccurate late payment report from my account.

My credit report is the only relevant documentation, including bank statements, loan statements, and correspondence with Navy Federal. 

Thank you for your time and assistance in resolving this matter. Please let me know if you require any additional information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report Toyota motors on 2014 put a late payment ... ..I would like this removed
Product: Money transfer, virtual currency, or money service

XX/XX/2020 XXXX up loaded check. Report identity fraud. I didnt upload this check. {$130.00}. Wells Fargo is investigating.
Product: Debt collection

I started receiving emails today with threats on a loan that I had no idea about nor have I received any emails on it until today it has escalated to the point of me having a XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion are reporting incorrectly tha I am ( 90 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been searching for a car loan for the past six months - each time I have authorized a car dealership, including XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, to pull my credit, it results in multiple - 4-6 inquiries on my credit report since they insist that each auto finance company needs to pull its own report. 

If this is not illegal, it should be as it is causing irreparable harm to consumers. Each inquiry deducts two points from an individuals credit report and my credit report has fluctuated as a result. 

Since last fall, I have had more than two dozen inquiries from auto finance companies although I have only authorized four inquiries. I am requesting that this arcane, burdensome practice be ended. Further, I would like the credit reporting companies, XXXX, Experian and XXXX XXXX, to remove these inquiries from auto finance companies as I have requested in writing. 
In addition, XXXX XXXX insisted that they needed to pull my credit - resulting in another XXXX inquiries - even after I presented them with an approval for auto finance from a company, XXXX XXXX XXXX XXXX, that they told me they are familiar with. They went further and said that even if I was paying cash for the vehicle and did not need financing, they still had to pull my credit report and insisted I authorized the inquiry before they would allow me to proceed further with the purchase. 

This should be illegal and is particularly deleterious to those of us who need to finance an auto purchase. Please end this practice immediately and instruct the credit reporting companies to treat multiple auto finance inquiries over several days as one, deducting just two points for auto finance reports pulled over 14 days ( if any ) rather than two per inquiry.
Product: Debt collection

XXXX XXXX XXXX Opened XXXX Bay Area Receivables Opened XXXX Because these debts are illegal. resulting from criminal identity theft reported to law enforcement via the XXXX Police Department police report # XXXX ; in violation of 15 US Code 1692 ( e ) ( f ).
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Subject : Correction of Personal Information on Record Dear Sir/Madam, I am writing to request an urgent correction of my personal information that has been inaccurately recorded and possibly disseminated. It has come to my attention that there are multiple errors in records associated with my name and address, which I wish to rectify immediately to prevent any potential issues related to identity theft or financial inaccuracies. 
The correct information should be as follows : * Name : XXXX XXXX XXXX * Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  * Employment : XXXX XXXX XXXX However, the following incorrect information has been associated with my identity : * Alternate Names : 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 The presence of this incorrect information is deeply concerning to me, and I am anxious to ensure that my records are accurate. I respectfully request the CFPB to take the following actions : * Investigate the origins of these errors. 
* Update my records to accurately reflect the correct information provided above. 
* Confirm with me in writing once these updates have been made. 
* Advise me on measures I can take to protect my personal information and prevent such errors in the future. 
I trust that the CFPB will address this issue with the urgency and seriousness it requires. Please contact me if you need any additional information or clarification regarding this matter. I look forward to a prompt resolution. 
Thank you for your attention to this important matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

I was given a promotion for 6 months on a loan for windows I purchased. The promotion finished and my interest rate when up way to high, as well as my balance.
Product: Credit reporting or other personal consumer reports

I pulled my credit report I noticed that this company charged off this account on my credit. If this account was indeed charged off the creditor has failed to provide me with a 1099-c. This company got a tax write off and I should not have this debt reported on my credit profile. This company has failed to send me any forms or any documentation showing that the creditor has the right to report this as a debt. I demand that this company remove this inaccurate information from my credit report immediately, due to this creditor violating 15 U.S. code 1681eb by reporting inaccurate information on my credit profile. According to the IRS a charged off account is considered to be ordinary income. This means this is an inaccurate account furnishing on my credit report. This is cancelled debt, and this company has filed this account on their taxes as income but is also reporting this account on my credit report as debt. The IRS also mentions that this company was supposed to send me a 1099-c form so that I can file this ordinary income. According to 15 USC 1681eb, when a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure MAXIMUM accuracy of the information concerning the individual about whom the report relates. This account must be deleted immediately.
Product: Vehicle loan or lease

This account is actually just pass due less than 30 days. They start calling me the day after it is due, XXXX of each month, and do not stop. My husband had 2 XXXX XXXX  towards the beginning of this year, and was out of work for a couple of months. I have told the company this, and I have tried to keep up with the payments as best I can.