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

On XX/XX/XXXX I purchased a XXXX XXXX XXXX XXXX from XXXX online, the vehicle was delivered to my address and the funds taken from my checking account. I signed all the documents the delivery person gave to me and uploaded all the documents requested by XXXX. A week later XXXX requested again proof of insurance in which I uploaded the same document they took a picture of at delivery and that I had already uploaded to them. Over the next couple of months, after numerous attempts to obtain a status of my title and registration, and after multiple requests from XXXX to provide even more documents that they already had, I never received my title of registration so I filed a complaint with the NC Dept of Justice and XXXX responded on the XX/XX/XXXX. They admitted there was a problem with the title, there legal team stated they were able to confirm the title was now ready for processing on the XX/XX/XXXX and that they would expedite my registration. XX/XX/XXXX I received a call from the advocate trying to assist me, after a few attempts to request she call me. She stated that the entire deal had been returned by the vendor for a title issue! It has now been almost 4 months, I've been driving on temporary tags and do not legally own my own car which was a gift for my daughter, totally ruined the surprise. 
I was told by the advocate that she has requested a self registration and will try and find out the process and can not give me an ETA. I informed the advocate of the letter from Carvana Legal and she was unaware of the statements they made regarding my title issue. NC requires the dealer to submit the registration within 30 days, I have now requested that Carvana either produce a good title that I can register in NC or refund my total cost for this vehicle, they have been deceptive and they stall knowing full well they had no right to sell the car to me in the first place, they were not the owner of the vehicle, to this day NC shows the vehicle in question being registered to the first owner out of XXXX NC. I need help in resolving this issue, because I'm out of pocket over {$16000.00} and can not obtain a loan on this car to pay myself back because I do not legally own it, please help me.
Product: Credit card or prepaid card

I was at JCPenney store XXXX on XX/XX/19 at approximately XXXX XXXX. The cashier, XXXX, asked me if I wanted to save 40 % by opening a JCP credit card account. She said it would take 5 minutes or less. I entered my personal information on the credit card keypad in front of me as part of the application process. One part of the application had me enter my SSN. The next screen had me re-enter my SSN to confirm the correct number. At the completion of my application, I was initially declined a JCP credit card as an account holder named XXXX XXXX had an account already opened using my SSN. I became alarmed and told the cashier that my SSN was being used fraudulently as I was totally unaware of the existence of a JCP credit card account which incorporated my SSN in the name of XXXX XXXX. After the cashier telephoned a customer service agent, she handed the phone to me during which I explained my concern that my SSN was linked to a JCP account unbeknownst to me, in the name of XXXX XXXX. The customer service rep stated that she was going to put me on hold while she transferred me to fraud control. However, after approximately 5 minutes, the same customer service rep came back on the telephone and told me that a fraud alert would be placed on the XXXX XXXX my SSN account and it would be investigated. She then stayed on the phone with me while we ( the cashier and I ) again attempted again to open an account in my name with my XXXX. This time I was able to open the JCP credit card account. I completed my purchase under my new XXXX Credit Card account number. Before terminating the phone call with the customer service agent, I inquired about the fraud investigation process. The agent stated that the credit card fraud department would be contacting me. As of this date, no one has contacted me regarding this matter and Im concerned that my social security number was used to open a fraudulent account which may still be currently active. I am concerned that no attempt to reach out to me from JCPenney or their agent has been made in a situation which I find very concerning and which potentially involves my credit score/report and my identity.
Product: Credit reporting

I have disputed several mistakes listed on my credit file and in my results nothing was done. The report states on the following  XXXX  's investigation  XXXX   XXXX  #  XXXX  which is outdated and past the statute it was updated from our processing on  XXXX    XXXX  ???  XXXX  #  XXXX  same outdated and should n't be listed and  XXXX    XXXX  , were in  XXXX  and it was to be investigated in  XXXX    XXXX   XXXX   #  XXXX  same,  XXXX   XXXX   XXXX  #  XXXX  outdated and false last updated  XXXX    XXXX  .  XXXX   XXXX   XXXX   XXXX  Unknown and going after this company directly as this is not my debt or account   XXXX   XXXX   XXXX   XXXX    XXXX  Outdated and past the statute and no validation,   XXXX   XXXX   XXXX   XXXX    XXXX  OUTDATED AND INACCURATE no investigation  XXXX    XXXX     XXXX   XXXX   XXXX    XXXX  always paid on time never once was past 30 days last updated was  XXXX    XXXX
Product: Mortgage

United Wholesale Mortgage transferred my loan to XXXX Mortgage. I called to find out how to discontinue the auto pay i had established with them. I was told that it would automatically be disconnected and no further payments would be automatically collected. So i issued a payment to the new mortgage company which was processed XX/XX/22. Then on XX/XX/22 XXXX took another payment thru auto pay which i never set up with them. I never gave them my checking account info nor permission to automatically take any payments. United wholesale disbursed my personal account information nationstar and they basically used it to steal money from my account that i did not owe them. I believe they both are in violation of using my personal info to steal money from me.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 at around XXXX XXXX, I have received a disturbing email from PayPal that I made an " authorized '' payment to XXXX XXXX XXXX for the amount of {$1300.00}. It was clear that someone used my log in information to use my PayPal account to buy something from XXXX XXXX. I went online to use the PayPal Resolution Center to submit a dispute for this fraudulent transaction because their phone operations was closed then. PayPal told me it would take less than 9 days to " investigate '' my case. Come 4 hours later, I have received another email stating my case was denied. Following morning XX/XX/2019, I made a phone call to them stating my case verbally. The customer rep. seemed very enthusiastic to help me get this matter resolved and told me not to worry and she would appeal my case and respond via email. Come 3 hours, I get another email from PayPal saying my appeal has been denied. So far I've been denied twice. I then called my bank to stop payment for {$1200.00} ( This was the difference that PayPal tried to collect after they used my {$80.00} that was in my PayPal Cash Account/Virtual Wallet ). The bank happily put a stop payment even though it hasn't shown in the account activity, so I was able to intercept the charge. I then called PayPal a second time to see if they can escalate my case, but unfortunately customer rep told me he couldn't do anything else. According to them, the fraudulent transaction was " authorized '' from me. So I figured putting a stop payment would revert everything to normal. Obviously I was wrong when I logged into my PayPal account on XX/XX/2019 around morning and immediately noticed they put a negative charge of {$1200.00} on my virtual wallet account. Furious, I called them up a third time to see what they could do to rectify this problem : the only thing the customer rep. did this 3rd time around was re-open the case and appealed it again. I'm pretty sure it wouldn't solve anything a third time. I have been a loyal XXXX customer for over a decade so it doesn't make sense why I would pay XXXX XXXX. I don't even have an account with that phone company. I have been a loyal customer with PayPal for almost 2 decades and have had a good status with my account until now. They are supposed to be safe and protect the customer but their 2-3 hour investigation ( after they told me it would take 9 days ) wouldn't help my case at all. I'm very upset and stressed over this matter.
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 XXXX : 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 : Inquiries : XXXX XX/XX/year> 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 these fraudulent accounts in my report and CREDIT BUREAU 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 XXXX these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX  days I have not received any response from them, please help me immediately delete these accounts. 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

If, 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
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding the failure to investigate and appropriately mark my disputed accounts, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ). Over the past several months, I have repeatedly contacted the company to dispute inaccuracies on my credit report. Despite providing ample documentation and following the dispute procedures outlined by the FCRA, the company has neither conducted a thorough investigation into my claims nor marked the disputed accounts on my credit report. This negligent behavior not only breaches the legal requirements set forth by the FCRA but also causes significant harm to my creditworthiness and financial standing. I urge the CFPB to intervene and ensure that the company complies with their obligations to investigate disputed accounts and update my credit report accordingly.
Product: Credit reporting or other personal consumer reports

I Found Fraudulent inquiry in my credit report.Please remove it XXXX XXXX XXXXXX/XX/year>
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 XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name XXXX XXXX XXXX XXXXXXXX Account XXXX Account Name : XXXX XXXX XXXX Account 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: Checking or savings account

I requested car down payment to be refunded from First Horizon Bank on XX/XX/2021 due to had been sold a lemon by XXXX XXXX. I was denied due time 60 day time frame that bank gives. I purchased car on XX/XX/2021 with {$8500.00} down payment using debit card as credit card sale. I have already requested refund from XXXX XXXX with no response. The car has a bad pcm which dealership supposedly fixed that was not disclosed and the air compressor has been replaced which both are not still functioning as they should be.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : XXXX XXXX XXXX  XXXXDate of Inquiry XX/XX/XXXX XXXX  XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have filed a Dispute with XXXX  and TransUnion to remove accounts found to be fraud ent and provided letters from each company authorizing removal of accounts which they refuses to do or provide reasoning of why they wont remove the accounts
Product: Debt collection

The debt collector sent me an email with an 'arrest warrant ' on it. They also stated that they would be, " And we will be Emailing/ Fax this issue to your current employer to make sure they take strict against you. ''
Product: Credit card or prepaid card

on XXXX I received an alert from my credit report agency, notifying me of multiple ( 13 ) credit inquiries. Right away I put a freeze on my credit and filed a police report. From what I could see on credit report I contacted and closed all accounts that were opened fraudulently. In XXXX I received an alert that I went over my credit limit on capital one credit card. I have never used capital one, never opened any checking accounts or saving account or credit cards. I contacted capital one, they opened fraud investigation. Capital one refused to give me any information for address that was used to open the credit card or any credit card transaction history. I did send Capital one a copy of my driver license and ss # and they still refuse to give me any information for the credit card that was used in my name. Capital one also refused to change the address on the account, even after I provided them with my drivers license and ss # copies. Capital one also claims they investigated and found that they did not believe the credit card was opened fraudulently, that it was me using the credit card, although credit card was opened in different city, an address where I never resided and accounts were all opened online. I have filed two police reports and froze my credit score, filed report with FTC, and all other companies, including XXXX XXXX where I went in personally and provided all the information. They closed all accounts and removed credit report inquiries. Capital One refuses to do anything and expects me to pay the bill, they refuse to change the address so at least I can get the bills and all account information.
Product: Checking or savings account

During XXXX and XX/XX/2018, I was charged numerous fees in excess of {$300.00} and checks corresponding to the fees were returned. Many of the retruned items, linked to the fees, were less than the returned item amount. I was charged {$39.00} on item returned for {$19.00}. This is an unfair business practice that makes profits for the bank at a consumer 's expense. I am happy with the bank but not happy about the exhorbitant fees charged to me recently.
Product: Money transfer, virtual currency, or money service

XXXX cfpb case moneygram explanation conflicts with reply I received. Still no refundXXXX XXXXXXXX XXXX XX/XX/XXXX RE : XXXX MoneyGram has completed the review of your case which relates to a potential error or problem with your MoneyGram money transfer transaction XXXX. 

Your concerns : In your communication with MoneyGram dated XXXX XX/XX/XXXX, you indicated that the following occurred : - funds were not made available to the receiver on the disclosed date of availability. 

We apologize for any difficulties you may have experienced in using our service. While we strive to provide our customers with the highest degree of service, there are times when a problem may arise, and we regret that you may have been inconvenienced. 

If verified by MoneyGram, these circumstances may constitute a mistake as defined under the Remittance Transfer Rule as enacted by the Consumer Financial Protection Bureau and currently effective ( the Remittance Rule ) and would entitle you to certain remedies, as further described under the Remittance Rule.

Conclusion : After completing our investigation, we have determined that an error may have in fact occurred with your transaction. Our records show that the funds have been refunded to you on XXXX XX/XX/XXXX for total of {$150000.00}. This amount represents : - The amount you intended to transfer ( {$1500.00} ). 
- The transfer fee you paid with this transaction ( {$190.00} ). 


We appreciate your comments as this helps to improve processes and procedures related to our customer service. We hope we have addressed your concerns and sincerely apologize for any inconvenience. 

Sincerely, ______________________ XXXX XXXX Department P : XXXX Mailbox : XXXX Attention XXXX XXXX Department XXXX XXXX XXXX XXXX, Texas XXXX PRPA Pursuant to the Remittance Transfer Rule of Regulation XXXX, XXXX C.F.R. sec. XXXX ( d ), if you complained about a payment error and we determined that no error occurred, you have the right to request the documents on which we relied in making our determination. Should you request such documentation, you XXXX be required to verify your identity, such as providing a copy of a valid government ID and/or affidavit, prior to receiving the documentation. 

Best regards, XXXX XXXX XXXX XXXX XXXX Dodd-Frank Jurisdiction ______________________ MoneyGram International XXXX : XXXX : ref
Product: Credit reporting or other personal consumer reports

Dear Sirs, That bank once offered me a credit card, for {$6000.00}, at the time I paid as established, one day that financial institution disappeared, and I had no communication, from that moment on with The XXXX XXXX XXXX  page, it did not work, No I was able to use the page to pay or consult for several months ... they were not professional and are causing damage to my credit report, the closing situation of that bank is not my fault. 
Please remove negative information about my credit. I make a great effort to meet my payment obligations as you can see. 

Sincerely XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my consumer credit report and I found several items on there to be inaccurate. Under 15 U.S. code 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S.Code1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any investigation under paragraph ( 1 ) of any information disputed by a consumer, any item or 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. Please Remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. In addition to these I've noticed several fraudulent hard inquiries please remove also XXXX XXXX XXXX
Product: Debt collection

I received a call on XXXX/XXXX/XXXX at approximately XXXX XXXX  on my work phone from XXXX ( XXXX XXXX XXXX ). The man stated I had an outstanding debt to XXXX XXXX XXXX XXXX in the amount of {$200.00}, and did I want to settle the debt by phone. I attempted to explain to the caller my credit card with Sears was more than 25 years old and I knew my mother had paid the debt in full. The call turned hostile when I asked the caller to provide details on the amount owed by letter or fax. He told me he did not have to provide details, I knew what I owed. He told me he knew where I lived, specifically providing my home address, he knew what kind of car I drove, ( XXXX ) and he would be calling my employer regarding this outstanding debt. I hung up without giving additional details. I called back at XXXX XXXX, after reading the specifics on the Federal Trade Commissioners website about the Fair Credit Act. A man who identified himself as the General Manager got on the call and proceeded in a more abrasive confrontation manner stating if I paid the debt by phone the calls would stop. I attempted to read the statute of limitations, the right to request details on the debt and the right not to receive threatening calls on my job or my personal phone. He stated a collections notice was mailed to me two weeks ago. I attempted to explain I had not received the notice and could he fax it to my attention. He said no he was not required to provide me with details, my debt did not go away no matter how old and I needed to pay or he would proceed with taking action by calling my employer, filing charges and suing me. I told him without proof of debt I would not continue the call and would proceed with the law, as regulated by the Fair Credit Act.  He was belligerent, unnecessarily hostile and would not allow me to speak. I hung up on the call again. I was no longer going to me insulted by his hostile voice, threatening tactics of calling my employer or coming to my home.