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

In Accordance with the fair credit reporting act, XXXX Account # XXXX has violated my rights and reported incorrect information to Credit Reporting Agencies. They reported that I had a credit limit increase of {$99.00} between XXXX, and XXXX which caused my credit score to decline XXXX Points. I did not have a credit limit increase and to date have not been late on any payments. 

15 U.S.C 1681 section 602 states I have the right to privacy.

15 U.S.C 1681 A Section 2 also states a consumer reporting agency can not furnish an without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 at XXXX XXXX  I was denied the right to speak with a manager about my personal consumer report by Equifax
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XX/XX/XXXX I need some help to remove some fraudulent addresses off my credit. The address above is my current and only address. All other addresses are not accurate. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX I have several numbers on my credit file that do not belong to me as well please delete/remove the following numbers : ( XXXX ) XXXX ( 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: Credit reporting or other personal consumer reports

I have had a XXXX XXXX XXXX XXXX  with a {$13000.00} balance on my credit report since XX/XX/2014, in which Transunion had recently decided to close by mistake. This account should still be Open and reporting on my report.
Product: Credit reporting or other personal consumer reports

XXXX account The late payment being reported are in violation of 15 U.S. Code 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
15 U.S. Code 1666b - Timing of payments The timing of required information is from this company is not received within 21 days. 
XXXX XXXX credit bureau By definition an open end consumer credit plan is XX/XX/2022 Open-end credit is revolving credit that allows you to continually access money as you make payments and only pay interest on what you use.
Product: Payday loan, title loan, personal loan, or advance loan

This was a deferred interest loan, initiated on or about XX/XX/year>. The initial amount of the loan was approximately {$30000.00}. If we paid off the loan by a certain date, which the company called the Special Terms End Date, interest would not be charged on the loan. If we did not pay off the loan by the special terms, end date, interest would be charged at the rate of XXXX %. We authorized the company to withdraw funds from our checking account on a monthly basis, which it did. The authorized monthly withdrawals were calculated to pay off the loan by the Special Terms End Date. Shortly before that date arrived, the company attempted to increase the final balance due without authorization or explanation. The company did this in an electronic billing statement with XXXX different amounts due. XXXX amount, {$5400.00}, had this designation : NO INT IF PAID IN FULL W/PMT. The XXXX  amount was {$6200.00}. There was no explanation for the higher amount, and we did not expect it. We called the company to determine which payment we should make to eliminate the final balance. The companys representative directed us to pay {$5400.00}, which we did ( actually, we paid {$5500.00}. ) After accepting our payment, the company took the position that we should have paid the higher amount, and the company then folded into our loan the entire amount of deferred interest ( {$5400.00} ). This was not the only wrongful act by the company. More details ( and the additional wrongful acts ), are detailed in the attached XXXX.
Product: Money transfer, virtual currency, or money service

PNC does not allow to securely connect with other services that may withdraw or deposit money. For instance, I have tried using XXXX a debit card for my child to which I can link my bank account to load money for her use and PNC doesnt allow. There are several stock investment services that I would like to use, but PNc doesnt allow linking.
Product: Vehicle loan or lease

On XX/XX/XXXX, after constantly getting calls from JD Byrider I went in to purchase a car. The sales person reassured me that they could get me in a vehicle even with me not having a high down payment. I was upfront about only having a certain amount. When I got there. We went through the basics, I provided everything requiredat least thats was I thought. I was coerced into signing with a signature that isnt mine and all of the paperwork signed was not correct to the paperwork that was on the computer. Before getting to the paperwork at the end of the end of the sale. I was forced to pay first then fill out paperwork which is absolutely backwards making everything I signed after closing invalid. I paid, which is, the end of any transaction yet was coerced and forced to sign paperwork after I had already closed deal ( paid ). I was then held up for about 2 hrs to close out with paperwork that was not disclosed before paying. After asking questions about what Im being force to sign ( I was not giving what I paid for after paying until signed ) one of their employees racially discriminated against me and stepped out of bounds to rules, regulations and standards of the XXXX. I was then told, a manager would contact me regarding the matter. Its been a week and I havent heard yet from them.
Product: Money transfer, virtual currency, or money service

I am filing a complai i against Cash App ( Block , Inc. ) 1e to irl le qua ustomer 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 XXXX XXXX was unfair and Meceptive, as they dfa nor 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: Debt collection

Debt reports as collection on my credit report. I submitted a request for debt valiation of this debt that is owed. Per the Fair Credit Reporting Act 15 USC 1681, and the Fair Debt Collections Practices Act 15 USC 1692g
Product: Mortgage

I have worked with Loandepot for refinancing. I have provided all documents to them and got their final approval. So we are working on closing disclosure and scheduled an appointment with title company to complete the document. When I was heading to title company, Title company said it was canceled. I was trying to reach out with LoanDepot for the reason but my contact and her supervisor can not reach even I left voice message or Email. So I don't have any visibility on my refinance.
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/Company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general lf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the 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. 

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. 

15 U.S.C. 1681B ( 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 reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX XXXX : XXXX Consumer DOB : XX/XX/XXXX Contents of Complaint : This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Information consists of : * XXXX XXXX XXXX ; Under the Account Number : XXXX ; Opened On : XX/XX/XXXX * XXXX  XXXX XXXX ; Under the Account Number : XXXX ; Opened On : XX/XX/XXXX * XXXX XXXX XXXX ; Under the Account Number : XXXX ; Opened On : XX/XX/XXXX * XXXX ; Under the Account Number : XXXX ; XXXX On : XX/XX/XXXX * XXXX XXXX XXXX ; Under the Account Number : XXXX ; Opened On : XX/XX/XXXX * XXXX XXXX XXXX ; Under the Account Number : XXXX ; Opened On : XX/XX/XXXX * XXXX  XXXX  ; Under the Account Number : XXXX ; Opened On : XX/XX/XXXX * XXXX XXXX XXXX; Under the Account Number : XXXX ; Opened On : XX/XX/XXXX * XXXX  ; Under the Account Number : XXXX ; Opened On : XX/XX/XXXX * LIBERTY XXXX  ; Under the Account Number : XXXX ; Opened On : XX/XX/XXXX * XXXX XXXX ; Under the Account Number : XXXX ; Opened On : XX/XX/XXXX * XXXX XXXX XXXX ; Under the Account Number : XXXX ; Opened On : XX/XX/XXXX * XXXX XXXX ; Under the Account Number : XXXX ; Opened On : XX/XX/XXXX * XXXX XXXX ; Under the Account Number : XXXX ; Opened On : XX/XX/XXXX ( REMOVE IMMEDIATELY ). These items have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer FICO Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries in question as a well as a copy of My Consumer Credit Report. I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud. I request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Experian Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving said complaint. I request that all written confirmation ( s ) regarding this CFPB Complaint be sent via email to the email address : XXXX Attached below are supporting documents -A Letter formally detailing the information of my dispute and stating consumer laws -A Fraud Affidavit -Copy of US Issued ID ( Proof of Identity ) -Copy of SSN -FTC ( Federal Trade Commission ) Identity Theft Report
Product: Money transfer, virtual currency, or money service

On XX/XX/2018, I was a part of a fraud/scam using Wells Fargo 's XXXX service. 

An individual was selling event tickets in XXXX XXXX, which were presented from XXXX. The scammer named XXXX XXXX began to share the ease and security of the transaction since XXXX was a service endorsed and backed by our banks, Wells Fargo. 

The transaction occured over the phone where the scammer provided a name, phone number, and cost of the event tickets. The amount transferred was {$400.00} for 2 tickets. 

The scammer remained on the line to verify the transfer. Once verified, he said he was now ready to initiate the online ticket transfer using an email address I provided. Then he hung up. 

After calling back, I realized my number was blocked and involved in fraud. I immediately called Wells Fargo 's fraud department to help address the situation, only to be directed to filing a case number and told an investigation would take place. 

2 weeks go by and I received a letter from Wells Fargo saying they can't do anything about the matter and will not credit the {$400.00}. 

As a Wells Fargo customer for over 20+ years, the customer service experience and protection protocol for customers in these fraud situations is an absolute mess. Countless calls for help has resulted in nothing. Ultimately resulting in a process to take my banking elsewhere.
Product: Checking or savings account

I opened up a XXXX  checking account ( Account : XXXX ) last year. The bank said if I maintain {$20000.00} minimum deposit there will be no fees. For XXXX, there was no fees and from XXXX the bank started withdrawing {$40.00} per month without notification to the customer. 

I signed up for E-Statements and my Inbox also has no notification. Below is what the disclosure I got from bank when I opened my account... .You can see below it says {$20000.00} minimum. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- 1 To be eligible for the {$750.00} cash bonus, business customer must open a new Huntington Unlimited Plus XXXX  Checking, XXXX  Analyzed Checking, or XXXX Analyzed Checking account by XX/XX/XXXX, then make a minimum cumulative new money deposit into the new checking account of at least {$20000.00} within sixty ( 60 ) days of account opening. " New money '' is defined as money that is not currently on deposit in any Huntington account ( except maturing business CDs ). Person to Person payments ( such as XXXX ) are not considered a deposit for this offer. Account must maintain an open status for at least 90 days before it is eligible for the bonus payment. Bonus will be reported on IRS Form 1099-INT for the year in which you receive your bonus. Cash bonus does not count toward the deposit requirement. All new accounts subject to account opening approval and account conversions are not eligible. Offer not available in combination with any other offer. An Early Account Closing Fee will apply to accounts closed within 180 days of opening. XXXXublic Fund/Government Banking dollars and Brokers are not eligible for this offer. The bonus will be deposited into your new business checking account within 14 days of meeting the above requirements. Your XXXX  checking account must remain in open status to receive the bonus. Existing XXXX  checking customers, including those with XXXX  checking accounts closed within the last six months, are not eligible for the cash bonus offer. Bank reserves the right to limit an individual XXXX XXXX with XXXX XXXX to one account-related gift incentive per rolling 12-month period across all deposit account relationships.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX Experian in regards to the fraudulent reporting of an account with XXXX. I am a victim of identity theft and have supplied proof of my FTC Affidavit along with proof of my identity yet this fraudulent account is still reporting on my credit. XXXX has not removed this information from my credit reports despite me contacting them numerous times and are per the Fair Credit Reporting Act 15 USC 1681c-2a this information was to be removed within 4 days upon receipt of this correspondence. 

My consumer rights have been violated and I intend to now file a lawsuit with federal courts if this is not immediately rectified. 

Please see attached certified correspondence with this company.
Product: Student loan

Good morning I have a loan serviced through Navient and said organization is changing the terms of my loan. I received notice that they are lowering my monthly payments a significant percent and extending the loan for an equally significant amount. They tried to do this close to a year ago as well and I told them under no uncertain that I wanted the terms left as they are. This change would significantly increase the amount of interest I would pay over the course. Upon several contacts I was eventually told I could just raise the amount I pay but I expect that is part of their scheme. Most people wont adjust the autopay and end up with years extra of payments. I have been unable to get it switched back as of yet and am worried they will find a way to ignore my complaints. I hope this agency can help Thank you XXXX
Product: Mortgage

A mortgage in the name of my husband with XXXX XXXX   and a mortgage in my name with XXXX were recently transferred to LoanCare LLC. 

I am writing to request strongly that they be investigated, and severely penalized, for their processes - they have customer financial information but their systems have no capability to handle it. I am extremely concerned that our information can very easily be acquired for fraudulent purposes. 

When they imported my husband 's mortgage information, they did it incorrectly. Our unit number is missing from our address on their records to this day. I literally spent on the phone with them initially to try to get it corrected. No one there knows who does what and they bounced me around from one person to another. They finally told me to send an email to their customer service address, which my husband did on XX/XX/2019, while signed into his account. We saw an acknowledgement on the screen saying the email had been received. However, no copy was sent to the registered email address on the account. 3 months later, that address has still not been corrected. 

My mortgage was transferred to them effective XX/XX/XXXX. It is now nearly XXXX and I still am unable to create an account online on their site. They have sent me multiple emails to reset the password, but none of them worked. I asked their customer service representative on the phone for help - it still didn't work. 

Please, please, this company needs to be shut down. They have no legitimate qualification to be in financial services. They are a bad nightmare to deal with, obviously staffed and managed by blithering XXXX  and a huge risk to the people whose financial information they now hold.
Product: Vehicle loan or lease

Bought a car through XXXX had no problems until the pandemic hit. Hours where lowered in XX/XX/2020 I contacted American Credit Acceptance about diving up my payments. When I did this a payment was missed they never contacted me. When I tried to work out a plan their plan was to pay the amount they wanted and nothing else. The car went to repo XXXX said they would help me refinance if I got it out. I got it since then I have split the payments they are charging me {$11.00} a day in interest the principal has not been paid on at all. The contract set the interest at 28 % yearly. They took this loan knowing I had a low credit score when I ask why they didnt refuse the loan there is no answer. I cant refinance the car because the principal is still so high ACA doesnt refinance they wont work with me plus there records are not accurate. At this point there are 61 payments left they say the car will be paid off. It is because is going that interest I have paid {$5100.00} in interest. I have asked for a statement detailed they failed to send it. When I call they have different people who tell you one thing others tell you another. One person told me they had the right to do something I alter find out they didnt clear it through a supervisor this is wrong.What they post on line is different from the statements sent in the mail. This is also confusing and wrong. I feel they are scamming me on my payments.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I pulled my 3 Bureau credit report and noticed an incorrect name on my report. After investigating, I noticed that the incorrect name was displayed on my JCPenney bills and statements. I then determined the incorrect name on all 3 bureau credit reports derived from my JCPenney account. 
On XX/XX/XXXX, I reported the error to JCPenney by requesting an investigation. They then stated that i would only be able to file and Identity Theft claim to correct the information. Although the case was not necessarily Identity theft is was an incorrect error on their part. They opened the claim on XX/XX/XXXX using claim number XXXX. After 60 days nothing was corrected by JCPenney. I then sent a dispute to the three credit bureaus and also to JCPenney on XX/XX/XXXX. After now 30 days, JCPenney has flagged my account and changed the comments to " Between XX/XX/XXXX and XX/XX/XXXX, the following remarks were removed from this account : Consumer disputes - reinvestigation in progress Consumer disputes this account information. 
Between XX/XX/XXXX and XX/XX/XXXX, the following remark was added to this account : Consumer disputes - reinvestigation in progress. 

This dropped my credit score XXXX XXXX I sent JCPenney a copy of my Identification which shows a clear spelling of my Government Name ( enclosed in this file ) On XX/XX/XXXX I received a letter from JCPenney addressed to the incorrect name stating that my claim to correct my name was denied. 

They stated the claim was denied because i benefited from the card. I am fully aware of that but that does not negate the fact that this account is in violation of FCRA Rule 623 that says : Sec. 623. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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. 

JCPenney has violated my rights and if this account is not removed from my credit reports then I will be filing a lawsuit in 30 days.