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

Hello, I ordered a new XXXX XXXX XXXX on the manufacturer 's website on XX/XX/XXXX. I was presented with a {$60000.00} 2.49 % loan offer from BMO Harris Bank on the same day, but did not sign any loan documents. Vehicle delivery was scheduled for XX/XX/XXXX. 

On XX/XX/XXXX I went to the XXXX dealership location ( XXXX XXXX XXXX XXXX, XXXX, IL XXXX ) to pick up the car. Unfortunately the car was physically damaged and had several error notices showing up on the main screen. I spoke with a XXXX representative ( XXXX ) and he told me in his experience this was not normal. I told XXXX that I would reject delivery. XXXX told me that this would not be a problem and that XXXX would cancel the order, have a new car/VIN allocated for me to be delivered at a later time. 

XXXX does NOT allow future owners to inspect the interior of the car and/or the software/computer inside the car before signing the documentation, therefore I was forced to sign their paperwork prior to completing my inspection of the vehicle. I asked XXXX if this would be a problem after I rejected delivery, he said no. He promised me orally and subsequently via text that my deposit ( {$8700.00} ) would be refunded shortly, that the documents would be cancelled and that a new car will be ordered. 

On XX/XX/XXXX I received a notification from XXXX that a new lien was added to my credit report. This was the BMO Harris Bank loan for {$60000.00} that I never accepted because I rejected delivery of the vehicle. I reached out to XXXX immediately and asked him why my credit report was showing this loan. He told me that XXXX 's systems showed the loan contract as voided, that he followed up with XXXX 's financing team to confirm and that my deposit would be refunded within 30 days. I never heard back from XXXX. 

On XX/XX/XXXX a BMO Harris Bank employee reached out to me to let me know that that loan was showing as due in their systems and that I needed to start paying. I explained the situation to him and asked him to reach out to XXXX to confirm that the loan was voided/cancelled and that XXXX kept the car. I reached out to XXXX again and asked for some sort of resolution, but I never heard back from him. 

I filed a dispute with XXXX and today the dispute was " resolved '', but the loan remains on my credit report. I have tried getting XXXX 's help on this matter multiple times, but time and again they refuse to do anything to solve this issue. 

I attach the communication I have had with XXXX for the past few months.
Product: Credit reporting or other personal consumer reports

Trans Union credit reporting agencys shows fraudulent inquires, please remove all fraudulent inquirys and XXXX fraudulent account listed below XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX inquiry date XXXX XXXX acount XXXX XXXXXXXX # XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence l provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 
Accounts : XXXX  XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX
Product: Credit reporting or other personal consumer reports

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/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
Product: Credit reporting, credit repair services, or other personal consumer reports

Debt is being disputed since original creditor ( XXXX ) didn't comply to accept payment on my 12th payment, to pay off ( cash price ) amount as requested and described on agreement. Office didn't accept payment for {$590.00}, amount owned on my 12th payment as listed on attached agreement. Also I'm attaching alert  email received from company that all our information was breached and probably debt is subject to alteration or even not authorized to be collected. Attached letter to validate debt and removal if not response is receive by due date. XXXX  is using XXXX XXXX XXXX to collect money I don't owe, XXXX XXXX XXXX used XXXX XXXX XXXX services to collect debt as well. I don't owe any debt to any company and/or Collection agency and false information was reported to XXXX. Written notification was sent to XXXX XXXX XXXX XXXX to validate debt and they didn't validate it, resulting on returning debt to first collector. Collector reported false information to my XXXX  credit history and legal actions will be taken. I have prove of what I said above about XXXX NOT accepting my last payment and threatened emails about selling my debt, hurting my credit and penalties they shouldn't added to original debt. Please note, debt is being disputed and for more information I'm attaching needed documentation. XXXX XXXX XXXX haven't had any kind of communication with me, please respond or lawsuit will start right away.
Product: Credit reporting or other personal consumer reports

Experian shows negative reinserted items on my credit report that was previously removed. Ive contacted them about this issue and havent got any help also there are tons of inquiries that should have been removed that ive disputed with the rep and was told that they would be removed. Inquiries were removed then next day reinserted
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second request to file a CFPB complaint. The current status should not be showing late because I paid it on time. The Credit Reporting Agencies lacks proper record keeping. The account is open and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence.. Lets correct this immediately. The XXXX and Transunion Bureaus are required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureaus has not abrogated my rights by reporting false information, otherwise correct this account immediately : XXXX XXXX XXXX XXXX Opened XXXX XXXX, 2019 Balance {$7200.00}.
Product: Credit card

I've made a few payments several weeks ago but the company refunded those charges but they haven't gave back my money. I'm missing that cash and it was XXXX dollars in total. I haven't had the chance to see XXXX cent back into my checking account and the refund was under " return moble ACH payment '', I had enough money that pay that back but they refunded it for no reason, it was capital one
Product: Money transfer, virtual currency, or money service

I am a XXXX XXXX XXXX. I have customers who use CashApp to send payments for products. Cash app advertises a way to send and receive money from friends and family. They have closed my account leaving me no way of getting the money my customers have sent me. I have tried all the ways to get my funds. The Cashapp will not accept any debit cards as it states it should or bank account. I have tried to contact via the phone number they have listed online with no luck. I have called square who owns cashapp and have been told they can not help me. They only give out the phone number that is automated and states there is not a representative to speak to. When you try to get support online this is what happens. Sign in and it says they have to email you a pin. Then when you get the email and put in the pin you get a message that you will get an email with a link to sign in. There is no additional email to login. There is no way of contacting anyone to discuss how to get the funds. They are fraudulently scamming people to use their services in order to keep the funds.
Product: Debt collection

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Last reported : XX/XX/XXXX {$560.00} Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

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

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

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

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious XXXX XXXX XXXX Last reported : XX/XX/XXXX {$560.00} I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 Chase bank told me that they had decided to close my account and that they would no longer except my direct deposits. Instead they continued to except my direct deposits and decline all of my auto bill payments. This has cause my credit score to drop, this has also cause my loan balance due in full. Still today chase is holding my refund from my closed account every time during the about the XXXX I was told that my payment was already mailed. Today XX/XX/2023 I still haven't received my payment. I expect they will say that it's loss in the mail, so that they can start this process over.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account that I am REQUESTING FOR REMOVAL OF OUTDATED INFORMATION To Whom It May Concern Please note that under Section 605 and 607 of the Fair Credit Reporting Act you are obligated within 30 days to delete obsolete information from my consumer credit report. The following items on my credit report are more than seven years old and exceed the statutory time period under this Act, and they be removed XXXX XXXX XXXX This account has been past the limitations date as well as inaccurate. 621. Administrative enforcement [ 15 U.S.C. 1681s ] I would like to avoid having to file any other complaints with the FTC over this issue. My Name is XXXX XXXX DOB XXXX SS XXXX
Product: Credit card or prepaid card

Filed a dispute with Capital One XX/XX/XXXX about a music fest that closed and the company went insolvant and no longer a company they gave me provisional credit for that music fest and applied it to my account balance but dod not give me the credit in my available credit for the past few months I have called about it and every time i get an update its different every single time i get the runaround. I closed my account with XXXX his id # id XXXX he claims hes a supervisor
Product: Checking or savings account

I have deposited check in my account, my account had positive balance and never had any negatives or bounce checks, the deposited check turned out to be a bad check, after that the bank held my own funds for 30 days, and then the closed my account and returned my money, they said they don't want to do any business with me, I respect their position, and took my funds and walked out. After this incident I went to XXXX XXXX to open an account, XXXX XXXX told me that Comerica bank reported to XXXX ( XXXX XXXX XXXX ) negative mark, Now I can not open an account, I contacted Comerica Bank, but they did not even talk to me to explain the reason for reporting negative mark and hung up the phone on me a few times. I want to resolve this matter ASAP and report Comerica Bank for unverified reporting of negative mark on XXXX. Comerica is reporting without proof of wrong doing, Comerica must be sued or reported as misusing of banking relationship against consumers.
Product: Credit reporting or other personal consumer reports

RE : Account number ending in XXXX CFPB Case # XXXX XXXX, XXXX, & XXXX Wells Fargo Case # XXXX XXXX, XXXX, & XXXX Wells Fargo furnished information to XXXX and XXXX XXXX that indicated my payment on Acct # XXXX was late in XX/XX/XXXX. I disputed this information with CFPB, and I received a response from Wells Fargo via a letter dated XX/XX/XXXX. In that letter Wells Fargo states that I did not make a payment in XX/XX/XXXX. Wells Fargo is reporting the account as current in XX/XX/XXXX and XXXX days late in XX/XX/XXXX. If Wells Fargo claims the account did not receive a payment in XX/XX/XXXX, then Wells Fargo needs to report the account as late in XX/XX/XXXX. Once Wells Fargo reports the account as late in XX/XX/XXXX, then I can address that inaccuracy. But you can not claim the account was late in XX/XX/XXXX for a payment that was not made in XX/XX/XXXX. 

Wells Fargo also furnished information to XXXX XXXX that indicated my payment for XX/XX/XXXX was XXXX days late. However, XXXX XXXX letter does not claim the account was XXXX days late in XX/XX/XXXX. Does this mean that Wells Fargo will instruct XXXX XXXX to report that the account was not XXXX days late in XX/XX/XXXX?
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to report that in a trip back some years ago my document where loss, I didn't report the incident at the moment because I didn't know about the severity of this event, some time after I realize that my identity was been use by someone who had opened account in my name, that's why I'd like to note this to try to correct this in my credit record. Please help.
Product: Credit card

I negotiated a settlement and they refused to send me a settlement agreement letter with terms of the settlement they wanted payment immediately without issuing me anything in writing while in the process of trying to get this letter they sold my debt to a debt collection agency
Product: Mortgage

I applied for and was given a loan modification. In a conference call with the mortgage company, they informed me what the principal and interest payment would be and also notified me what the escrow payment would be. After making the first payment under the loan modification, I received another mortgage statement reflecting a drastically different mortgage amount. I went back and forth with TD Bank many times as every time myself or a representative on my behalf reached out to them, the kept referencing a different mortgage amount ( see attached ).
Product: Credit reporting or other personal consumer reports

I am writing to request the removal or blocking of information from my credit file due to alleged identity theft, as I have been a victim of such theft. According to FCRA 605B ( 15 U.S.C. 1681c-2 ), you are obligated to remove or block any accounts no later than four business days after receiving the previous letter. I have previously included this report in my correspondence, and I am including it again for your reference. This letter serves as a final warning that if you do not block or remove the listed account from my report, I will be compelled to initiate legal action. I have informed my attorney of my intentions, and they are prepared to hold you accountable for your deliberate noncompliance. 

XXXX XXXX XXXX
Product: Student loan

I am a co-signer on a loan that my daughter took out while in XXXX  school. I am receiving excessive calls from Navient, the company handling the payments. When Navient calls, the caller ID on my phone says " Incoming Call '' and the calls are generally 2 to 4 seconds in duration, several times a day. The calls generally start around XXXX XXXX and continue throughout the day until almost XXXX XXXX. In a 14-day period from XX/XX/2019 to XX/XX/2019, I have received 41 such calls most lasting less than 4 seconds, which unless I have the phone in my hand is impossible to answer. And even when the phone is close enough for me to attempt to answer, the caller hangs up before I can even say hello. These calls are not meant to be answered but are meant to harass. Attempting to answer my phone is especially difficult for me because I am a senior citizen recovering from XXXX  XXXX. With my XXXX XXXX these constant calls are nerve-racking and harassing. I realize that Navient is attempting to collect a debt however they should not be able to call and not be on the line when the call is answered. 

While these calls do not show up on my caller ID, I am able to retrieve my call history from my phone provider, XXXX. On XX/XX/2019 over a 7-hour period from XXXX XXXX  until XXXX XXXX  I received 7 such calls over a 7 hour period : XXXX XXXX  - 3 seconds XXXX XXXX  - 3 seconds XXXX XXXX  - 2 seconds XXXX XXXX  - 3 seconds XXXX XXXX  - 4 seconds XXXX XXXX  - 3 seconds XXXX XXXX  - 3 seconds
Product: Debt collection

This. company Paragon Revenue Group appears on my credit report for {$150.00}. This debt does not belong to me - I have been XXXX in XXXX for the past 8 years. I need this removed immediately. This has been illegally reported.
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding Zelles handling of disputes, particularly because of the recent CFPB lawsuit on Zelle regarding issues with the platform. Despite using Zelle multiple times and reporting issues, Zelle failed to investigate my claims adequately. They told me that the recovery of lost funds would not be possible and tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. 

XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXXXXXX Balance : {$200.00} XXXX XXXX XXXX Balance : {$200.00}
Product: Credit reporting

Equifax has me listed as having XXXX credit cards, the XXXX credit card was closed out and replace with a new number and that account should be removed from the credit file, the only XXXX account that should be listed is the one that 's says open XXXX XXXX, XXXX that was last reported on XXXX XXXX, XXXX. By them having these XXXX accounts listed it dropped my credit score by XXXX points which is not right
Product: Credit card or prepaid card

I have a Chase card and accumulated reward points. I spent these points in XXXX ( I can't get a better date because Chase changed its website to where you can not see purchase history ). I purchased 2 XXXX gift cards in the amount of XXXX, XXXX in total, and an XXXX gift card in the amount of XXXX, redeeming XXXX points. 

When my reward card from another credit card arrived, after I placed the above order, I called Chase customer service in mid to late XXXX. The man filed a complaint for me. I called back several days later and a woman said to give them 7 days. I called after 10 or so and asked to speak to a supervisor. the supervisor elevated the case, whatever that meant and could not give me an ETA of my cards. I feel like this is a scam and should be investigated.
Product: Checking or savings account

On multiple dates over the last couple years I have been charged late fees on my account for something trying to come out when I have had no money in the account. Ive called navy federal twice about this and only once were they able to take off someone of those accounts that were causing the over draft and gave me back my XXXX $ since then it has happened many more times even now my account is in the negative XXXX $