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

Ally Bank is still showing an open account for a lease that ended and was paid in full. Their account remained open after the lease was paid in full and the car was given back. There was a delay in the bank arranging pick up of the vehicle which was their problem. I paid off my lease in full. They are still showing an invalid amount and open account status. This was paid off in full prior to the 39 months. Last payment was XX/XX/2017 lease ended XX/XX/2017. The onus was on Ally to make arrangements to pick up the car, no local dealership would take the car back. I started addressing the issues with Ally in XX/XX/2017 and multiple representatives were aware of this issue. I was advised numerous times that this was resolved and taken care of. However, this still remains on my credit report as an open account which is in error. I was advised nothing about any remaining balance or outstanding account. This is fraudulent and in error by Ally. I satisfied my 39 month lease in full and there was no balance remaining after that 39th month. This account needs to be closed as paid in full and reported to the credit bureaus as paid in full and closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for a Business loan long story short I was denied. I don't understand why I wasn't because I typically get approved for everything I apply for. So I checked my credit report to see what my score was. After doing so I notice some items on my credit report are not mine. I need these items deleted from my credit report. XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. lnquiries : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX 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

By listing these accounts in this dispute, they have contravened my rights as protected by XXXX XXXX XXXX ( b ). As a result of providing inconsistent information to each credit bureau, I experienced the negative consequences of a diminished credit score. In accordance with the rigorous liability standard of the FCRA, culpability against a CRA can only be established for a single violation. At present, I have no intention of initiating legal proceedings against your agency ; however, I would appreciate it if you could rectify the error that appears in my consumer report. If this erroneous information persists, I will be compelled to resolve the situation independently. Credit bureaus are required by law to report only XXXX percent accurate credit information. It is imperative that every effort be made to ensure that the information being reported is entirely precise and true. Therefore, the following information requires further investigation.
Product: Money transfer, virtual currency, or money service

I first contacted Venmo on XX/XX/2023 and asked them to help with my account because I was getting an error code. They told me to Waite 24 hours and it would work I waited more than 2 weeks and it has still not worked. Ive asked them if there was an outage they said no but another representative there said there was. I have funds in my account that I cant access and they basically told me theres nothing they can do for me and all I can do is Waite and see if one day that it might work. The money on the account was used for bills and such and now Im over drafted and have late fees and so on.
Product: Credit reporting, credit repair services, or other personal consumer reports

there are two inquiries on my report that i never gave premission XXXX and XXXX plcc please remove these off of my report asap
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputing particularly in light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate some claims. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scammers.
Product: Credit card

Comenity Bank in their financial process is strangely mistakingly charging for my rewards I redeemed back in XXXX, XXXX to be exact XXXX  to my credit card. According to Comenity Banks Customer Care Team, the payment that was issued to me in the form of a refund check should have been done by direct deposit. 

I have corresponded with the Comenity Bank in writing and their investigation found nothing and thus my case was closed. I have since made numerous phone calls to the Customer Care Team and have discovered the onus is on me to explain to the dispute center THEIR error to correct the matter. They have no way to communicate with the dispute center! Absurd! Now I have to mail 12 page documents to the credit bureaus and CFPD to dispute a case.
Product: Payday loan, title loan, personal loan, or advance loan

In XXXX and XXXX I opened 2 Installment Loans with XXXX with a credit limit of XXXX and XXXX dollars, respectively. When I applied for the second line of credit, it was not disclosed to me that payments would be XXXX dollars a month. I repeatedly complained to Upgrade that this amount was too high for me to pay, and I was not informed beforehand that I would need to pay XXXX dollars on the XXXX balance. In XXXX of XXXX, I submitted a complaint through this portal in regards to my payment amounts, and this company 's failure to deliver proper TIL Statements, prior to a new loan being given. I would like to inform the CFPB that, after submitting a complaint to this agency in good faith, this company then retaliated against me by conducting frequent " reviews '' on my account. They lowered my credit limit from XXXX to XXXX and XXXX to XXXX without any substantial changes to my credit profile. in addition, they changed the way they were reporting my accounts to show they were being reported as " credit cards : and not " installment loans '' which they claim these financial products are. This action caused my credit score to drop, as I am being reported as " over limit ''. They then refused to correct said information, and every call I made to them led to further account " reviews '' which always would lead to " Adverse Actions ''. Further they have continued to restrict usage on my accounts and I am never able to use them because of frequent random blocks they put on both my accounts.
Product: Credit reporting or other personal consumer reports

Recently I, XXXX XXXX, was denied an extension of credit by XXXX XXXX. On XX/XX/year>, I applied for a personal loan at XXXX XXXX. 

As you may be aware, it is against federal law in accordance with the Equal Credit Opportunity Act to proclaim adverse action against a consumer. Pursuant to 15 U.S Code 1691 ( C ) you assume civil liability pursuant to 15 U.S Code 1691 ( K ) XXXX XXXX has violated my federally protected consumer rights. Also put a hard inquiry on my Experian credit report. And told me I was to receive a call back but didn't. 

15 U.S Code 1642 15 U.S Code 1681 ( M ) 12 CFR 1002
Product: Credit card

I get numerous calls everyday from www.simmassociates.com. 
Over the last year and a half I have worked and negotiated all but a few of my credit cards. 
Those I have kept are in good standing. 
This company appears to have harrased many people and trying to collect on debts that have been paid or negotiated. 
They need to stop. they will not listen to anything the consumer says and are harassing on the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending you this complaint to let you know that I was a victim of identity theft. According to FCRA section 605b, credit reporting agencies are required to block/remove any accounts listed on an identity theft report. I did some research on how to remove the fraudulent accounts from my report and discovered that I needed to visit the Federal Trade Commission or https : //www.ftc.gov to file a report. Please refer to the ATTACHED materials to help stop false information from being put to my report. The accounts and other objects that do not belong to me or that were opened without my consent are listed here : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. FCRA Section 605B ( a ) states that the CREDIT REPORTING AGENCIES must block any information in a customer 's file that the consumer claims came from an alleged identity theft no later than 4 business days following the date of receipt.
Product: Credit reporting or other personal consumer reports

I have never given any written or any other consent for this company to report anything to my credit or for my information to be sold. ( 15 USC 1681B ) According to Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' As well as the Privacy act of 1974 these items should have never been on my report which has crippled me & negatively affected me.
Product: Checking or savings account

Well Fargo I had 2 checking & a savings account which they placed holds on my account which lead to my account going into the negative and closing them and messing my credit up, I then loss my place I was evicted and getting 2 judgments. I loss everything and Wells Fargo sent me a check for {$150.00} to try and make it better. The upheaval my life that was caused by it, and your suddenly getting a check for {$150.00} with them admitting fault, but when I said I wasn't satisfied with that due to extreme life disruptions, they then admitted NO fault and blamed me. I was put in XX/XX/XXXX due to this also. I just now 4-5 years later got a new checking account. I am just now getting back on my feet but this truly messed my life up. {$150.00} did nothing at all to make this better. 

Wells Fargo case number : XXXX Thanks, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Ive been in communications with Equifax about inaccurate personal information on my credit report. Even after notifying them many times about this error they are reporting this incorrect information on my file. Not only is it unfair, its also illegal. Please find attached.
Product: Checking or savings account

XX/XX/2021, I inquired about a deposit that was unexpected put into my savings account in the amount of XXXX $ . I asked for Golden One Credit Union to look into the issue. The credit union did there investigation and stated that there was nothing abnormal about the deposit. Golden One sent a letter stated that they did do there investigation and stated that the money came for us XXXX XXXX and that everything was ok. 
XX/XX/2021, Golden One froze my account took all my money and stated that there was a mistake and that another Golden One member had deposited a check into my account back on XX/XX/2021 into my savings. I tried to inquire about the issue XX/XX/2021 was severely mistreated and was told that it wasn't my money to spend in the first place and that until the money is paid my account is frozen and they seized all my finances. 
Last night around XXXX XXXX we were able to go through the automated system and speak to an individual who did a little more digging and they did locate the notice about the investigation that i did back in XXXX but nothing has came of it. 
I'm a single mother of XXXX and now I have no money and I'm emotional distressed because of golden one credit union s mistake- please help ive never had anything like this happen before
Product: Mortgage

We have contacted Citizens Bank to discontinue our PMI last year as we just missed the 75 % LTV ratio that they were requesting for cancellation. If we recall correctly, we were at 77 %. 

Now, a full year later Citizens wants us to pay again for a BPO to evaluate our home, as they did last year. We wish to bring to attention that a Broker Price Opinion ( BPO ) has already been ordered previously and should already be in the records of Citizens Bank. Also, since the the start of our loan we have had extra principal payments for most months. 

Furthermore, we would like to emphasize that the 2023 Real Property Notice of Valuation, which appraises our property 's current worth at {$570000.00}, is a legally recognized document. As such, it should sufficiently demonstrate that our loan falls well below the 75 % LTV ratio threshold, thereby warranting the immediate removal of PMI as per the guidelines set forth by the Federal Reserve and Citizens own policy. Our original loan amount is XXXX.
Product: Credit reporting

I noticed a collection account with XXXX was placed on my credit report in XX/XX/2017. I was not aware of the account nor had ever done business with XXXX so I was very furious and shocked an account was placed on all XXXX credit reports without validation. I never received a dunning letter or anything from XXXX so on XX/XX/XXXX I sent a certified letter asking XXXX to validate the debt. I also wrote all XXXX credit bureas asking why was this unverified unvalidated account was placed on my report. I didnt receive a response from XXXX until XX/XX/XXXX ( beyond the 30 day requested response time ) when XXXX responded the sent me a copy of some bill with my name address on it. I immediately sent XXXX another certified letter advising again, to legally validate the debt with a contract with my signature of something that says this account is me. ( I 've been a victim of identity theft in the past, note the fraud alerts on my report ). I havent received proper debt validation as of today. Meanwhile I was also communicating with the credit beauru specifically Equifax regarding this unverified account. I submitted three written notices to Equfax and called to check the status a few times. The issue is each time I communicated with Equifax the created a new dispute now totaling 5 disputes for the same case with XXXX. I finally called and spoke with a manager XXXX whom told me on XX/XX/XXXX Equifax verified the account by name social and address ( I have a recording of this call ) I explained that is not a proper MOV ( method of validation ) and they have violated my rights under the FCRA guidelines. This account is still showing on my reports and should be deleted without proper validation. In addition I mailed XXXX a letter requesting MOV on XX/XX/XXXX certified, as of today I have not received a response ( pass the 15 day time-frame. All XXXX credit beuar and XXXX have violated my rights under the act
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. d 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: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A states I have the right to privacy 15 U.S.C 1681 604 A it also states that a consumer reporting agency can not furnish a account without my written instructions.

Delete these accounts
Product: Debt collection

I needed to pay off my HSBC credit card placed at XXXX as a requirement for a new job. I needed to have the debt paid and provide a letter showing I paid the debt for my security clearance. I paid the settlement XXXX ands I agreed upon, however XXXX still shows the account with a balance due on my credit report, the letter I received does not state the account is paid off and I requested a letter stating on their letter head the account is payoff to provide for my employer and they refuse. I was told to use their website to show the balance is zero, but it only states I need to call to request information on the balance. I attached the screen shot. XXXX used deceptive, misleading and false statements to get me to pay off the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In reference to the accounts listed by Experian. 

In accordance with the Fair Credit Reporting act XXXX # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  # XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In reference to the accounts listed by XXXX. 

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In reference to the accounts listed by XXXX. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$4400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 


-- COLLECTION ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4400.00} -This is not my account.
Product: Credit card or prepaid card

I've been made aware of the fraud on the discover credit card account. 
They are in violation of several consumer laws. I can list a few to begin.

1.UCC 3-302 2.UCC 3-306 3.15 USC 1666 ( d ) 4.15 USC 1666 ( e )
Product: Credit card

Discover credit card. Send me for invitation card to apply for it. And after I let them run my credit thy just denied me to have a credit from them. I 'm side is just kind of nonsense to invited me to use or run my credit scores for nothing. It just waist of my credit scores. 
Ps.. Just want to complain them because of useful using the points of the person score for nothing. I 'm hoping that there do n't do this anymore for the other customer. Thank and looking forward to settling this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. My name is XXXX XXXX. I am over the age of eighteen years. I have first hand personal knowledge of the facts stated below. 
2. As of date, XX/XX/XXXX, I have not received any written response to the documents I mailed on XX/XX/XXXX to the person ( s ) named below. The documents mailed and the delivery dates were : Notice of Contract Change - XX/XX/XXXX Settlement Offer - XX/XX/XXXX Notice and Demand For Payment - XX/XX/XXXX Validation Letter - XX/XX/XXXX XXXX. XX/XX/XXXX - Affidavit was mailed to initiate a response from Huntington National Bank. They have not responded and have not been transparent or have had full disclosure between me and Huntington National Bank. 

I, XXXX XXXX, have an existing Billing Dispute that has been recorded. I need this account to cease from reporting until this is resolved. 
The account number is # XXXX in the database of Huntington National Bank.