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

On Wednesday XX/XX/XXXX, I went to the XXXX XXXX dealership with a family member who informed me that he had spoken to a sales representative who informed him that they were able to do six-month leases for situations where a co-signer was needed. I want to strongly state that I was opposed to being a co-signer for this person, what made me change my mind was what took place at the dealership. I later learned that this sales person was a friend of the family member and that the six-month lease deal was a ploy they used to convince me to co-sign for him. When I hesitated about signing the lease, the sales person told me that he had bad credit and that a family member had co-signed for him and within six-months his credit had improved and his co-signer was able to get out of the loan. I finally signed the agreement and a month later the family member started defaulting. ( I recently learned on this CFPB site that the creditor VW credit was supposed to provide me a separate notice about co-signing which they did not ). 

I contacted VW Credit to try to find a solution about the tactic used to have me sign on to this loan but instead of offering a solution they also participated in unfair and deceptive practices. On XX/XX/XXXX, I learned that they extended the term of the lease without obtaining my consent or signature on XXXX different occasions on XX/XX/XXXX and XX/XX/XXXX. Without my permission they extended the lease from terminating in XX/XX/XXXX to XX/XX/XXXX based on the co-applicants requests without informing me. The co-applicant turned in the car in XXXX of XXXX now I'm being asked to pay {$13000.00} in a XXXX XXXX invoice. My credit is ruined, it was XXXX on XX/XX/XXXX now it's in the low XXXX and now I have this debt that I can not pay.
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. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an 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

My XXXX state tax refund was deposited into a Wells Fargo bank account. This is account is not mine and I never had a Wells Fargo account. I believe who ever the account was has taken my tax refund. I did not give permission to have my tax refund deposited into this account. The refund was deposited into this account around XX/XX/XXXX. The bank will not give me any information on how to get my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently had my credit profile pulled. Upon looking at this report I have noticed there are accounts that are not mine. I sent a dispute letter in regards to EQUIFAX, XXXX  and XXXX  on XXXX, XXXX and XXXX asking that they be removed. Please note the response should have been provided by date XX/XX/2021. I have not received a report and EQUIFAX, XXXX and XXXX are over the time frame required to submit a report to me. Please investigate and send me an updated report.
Product: Checking or savings account

Hi. 

Name is XXXX XXXX. 

I requested closing my US Bank Account because fraud activity : 1. A  transaction with XXXX. 
2. A transaction with XXXX XXXX. 

It shows pending transactions and completed when the third party did not cashed out the money requested by them & me. 

Now they opened the account using those fraud activities so they can charge me for a dispute that was opened a month ago and was rewarded to me ( XXXX - One month charge, one month free, they wanted to charge both months, so not. And I tried to send the information to be done with that dispute but nobody answer in the direct line & called the 800 fraud department and was told account was close, so I did not send the information. 



Name is XXXX XXXX. 

As I said they opened the account and had me negative balance out of evil, because I was calling and calling and dispute with them and requested account closed. 

I called again as of today XX/XX/2020 and they asked for the information again but no guarantee that the account will be positive. 

Then they should had not close my account with the dispute or opened it again with the same fraud activity that made me close it in first place. 

I think it cancels it out. 

I do not had time to deal with them. Need your help. Thanks. 

In fact they lied as you can see in final letter, they send, there was not credit and deposit of {$36.00} Dollars. What it was - {$36.00} Dollars. 

Thanks. 

I need them to reverse that negative balance. And close my account with a positive. And no reporting to any credit bureau. 

In fact they owned me for {$44.00} from XXXX XXXX 

The {$20.00} from XXXX they returned but that was after closed account when it should had not appeared at all as completed because XXXX XXXX XXXX from XXXX, she never cash it out. 

And yes XXXX XXXX order and the confirmation tell me bank authorized, confirmed it, was pending, so it appear like they got it, but it, pending but never received the money because US Bank. 

Thanks.
Product: Checking or savings account

Pnc bank refuses to honor the claims on my personal and business accounts. They are trying to make me responsible for fraudulent charges I did not make. They are withholding over XXXX of my funds in fraudulent stolen transactions. I want my funds back.
Product: Checking or savings account

I have banked with Wells Fargo for over fifteen years and this is the first time that Wells has let me down. I used my Wells Fargo business card to make a purchase from this company named XXXX out of Colorado in XX/XX/XXXX. After some time had passed, I called XXXX about the product that had been ordered from them and I was told that the product was shipped to the wrong address and returned back to them. i asked XXXX to refund me my money back to my card in the amount of {$160.00}. Of the {$160.00} that was owed to me, XXXX ONLY returned {$120.00} and kept {$35.00} for no reason at all. I filed a complaint with Wells Fargo Claims Assistance Department on XX/XX/XXXX and was issued a claim Number XXXX. After several attempts to get Wells Fargo to get my money back from XXXX, Wells Fargo stated that VISA would need to get the money back since it was a VISA card that was used. Wells Fargo and I had been in communication until I never heard or received any more information as to what was happening to my money until I called on XX/XX/XXXX to only be told that my claim was closed. Wells Fargo didn't stand behind their purchase protection policy to ensure that their customer ( s ) get all their money back from any vendor if the customer did not receive any of their product and in this case I didn't and I want all my money back and not a partial refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Bankruptcy on my report is hurting my score please help. it is appearing as a public record can you take it off.
Product: Credit card

Breach of Fiduciary Duties and in violation of The Trust Indenture Act of XXXX ( TIA ). 

XX/XX/XXXX - mailed my bond statement ( T-Bill ) along with the letter of instructions attached below to the Indenture Trustee to pay all obligations to the XXXX XXXX and then credit my account for the amount stated and because I don't want to be an enemy of the state using unlawful tender and that all debts of " We The People '' are prepaid by the government but these banks want to corrupt the system, steal debt securities and double dip. How Greedy???? I held the bond in my name because I was a holder in due course. 

XXXX there is a phone log because they say all calls are recorded of me asking why my card is acting funny every other purchase is going through and then other purchases are denied. 

last call was yesterday evening, finding out my card was closed.
Product: Money transfer, virtual currency, or money service

Account was closed due to activity that goes against cashapp terms of service. But I haven't done anything in my account to cause this to be the issue for my account to be closed.
Product: Checking or savings account

I will be a visiting fellow from XXXX at XXXX XXXX  this fall. I visited XXXX last spring and opened a checking and a savings account with Bank of America last spring. I transferred over XXXX dollars to these accounts in May. On XX/XX/XXXX Bank of America sent me a letter closing my accounts with no reason given. There has been no banking incident since the opening of my accounts. I contacted the bank. The person on the phone could only tell me it was a corporate decision and would not give me any reason for their decision
Product: Money transfer, virtual currency, or money service

Company claiming to be PayPal texted me saying someone has withdrawn {$450.00} from my account and notified me of transaction. I replied cancel subscription and cancel order " I did not order. 
they called me on my cell number and told me that someone had hacked into my Paypal account and they would help me close the account and credit me {$150.00}, But I needed to give them my credit card so they could credit me for my inconvenience. I felt something not rite with this and they said they could look into it, by conecting into my computer and they could remove me completely from Paypal thru a program called XXXX XXXX 
I did let them do so but later did not feel good about them in my computer and shut down my system and removed XXXX XXXX. 
Today i got on line and look you up and filed a complaint with you ' Please feel free to call me and discuss. 
XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I was selling a piece of furniture. Scammer said use XXXX. Since it was part of US Bank ( my bank ) I thought it was safe. Scammer said they couldn't send that large of amount and said I have to send {$400.00} to get it going and then they would send the money. I was stupid for letting this happen. US bank said they couldn't do anything. I was out {$400.00}.
Product: Debt collection

Merchant has repeated phone calls, for debt Im not responsible for, theres no relationship with merchant. I believe my information was sold.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get copies of my detailed credit report and score from XXXX, Equifax, and XXXX since last year, but neither one of them was willing to send an actual report out to me. I even completed the standard free credit report request form for all three bureaus even though I was entitled to additional copies of my report since I'm in the middle of a credit crisis, but none of them sent me a report. This is unacceptable. I need a current copy of my detailed credit report and credit score from all three bureaus immediately.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX of debt bondage and would like for all listed accounts to be blocked and deleted company information Transunion. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This is my second time having this problem with Equifax. On XX/XX/year>, Complaint ID XXXX, I requested that equifax update accounts that were reporting incorrectly. I uploaded my discharge letter from the United States District Court of Georgia that proved I was indeed discarged from XXXX  XXXX Bankruptcy. Equifax did correct the information that was reporting incorrectly. Today, XX/XX/year>, I realized that they are now incorrectly reporting yet another account on my credit report. The XXXX is money lion, and they are reporting this account as charged off when it should be reporting as discharged in Bankruptcy. I went back to the credit report I pulled back in XXXX to make sure I didnt mistakely forget to add this account in the previous CFPB report against equifax and saw that it was actually reporting correctly back in XXXX. In XXXX of 2024, the XXXX account on my credit report was reporting as " Bankruptcy XXXX XXXXBankruptcy Discharged ''. This is the correct reporting. Now here we are in XXXX of 2024 and they are incorrectly reporting it as " Charged off ''. I spent over an hour on the phone with equifax trying to get this resolved to no avail. It was even escalated to whom I believe was an account manager who gave me the hardest time with disputing this information although I let him know that I had already filed a complaint against equifax through CFPB 2 months ago for this same reason and got everything resolved. Still no help! I have attached a photo of the XXXX XXXX  account reporting back in XX/XX/year> and the way its reporting today, XX/XX/year>. I have also attached a copy of my bankruptcy discharge letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction bynthe consumer. I submtted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information was affected by the XXXX XXXX data breach as well as XXXX 's XXXX date breach. I submitted all the required documents per XXXX and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

To the honorable CFPB regarding the unlawful inaccuracies reporting on my credit reports from all XXXX major credit bureaus XXXX, Equifax and XXXX. 
I have tried to call and mail, and dispute online but these XXXX credit bureaus have not provided to me any official documentation that would suggest that these inaccuracies are in fact my own. 

Furthermore, by law there should not be any collections, charge offs late payments, hard inquiries or incorrect addresses on my credit file credit report. Currently those items are showing on my credit report. 

I would like to have these removed from my credit reports in all XXXX credit bureaus please. 

Here are the legal provisions that prove my honest request is valid : 15 US Code 1692 pertains to collections, 15 US Code 1601 addresses charge offs & repossessions, 15 US Code 1666b relates to late payments, 15 US Code 1602p deals with hard inquiries. 

My credit reports have at least XXXX of each of these negative items. Please XXXX my request. Thank you.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX {$64000.00} was fraudulently wired from my bank account and sent to Wells Fargo. My bank ( XXXX XXXXXXXX XXXX  ) was notified within XXXX mins of the wire. XX/XX/XXXX Wells Fargo wired {$24000.00} back to my account. Wells Fargo has not supplied any explanation. I would like to see a timeline on when they got the Fraud alert and when they froze the account and stopped the fraud. I have {$39000.00} stolen from me. I would like to know if Wells Fargo acted quickly to the fraud alert or if they aloud the fraud to take place, due to apathy or incompetence.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX TEXAS, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Account # XXXX | SSN : XXXX Dear Sir/Maam, I am writing you this letter regarding payments that were marked late by your company for the following accounts on the following date ( s ) : ONE ACCOUNT- XX/XX/XXXX - XX/XX/XXXX -- -- - ACCOUNT TWO -- XX/XX/XXXX -- XX/XX/XXXX It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negative documentation impact my consumer report and are considered as part of my transactions and experiences between your company and me. Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15. You have XXXX days from the date that you receive this letter to provide me with the information that i am requesting. If you do not provide this information in the expressive time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would demand that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( XXXX, XXXX XXXX XXXX or all that apply ) and update the accounts to positive. Please forward any changes to my account to the address below. Thank you for your attention and understanding in this matter. I look forward to hearing back with the positive adjustments made to correct payment history by removing everything negative inflicted on my reputation as a upstanding consumer. 


Regards, XXXX XXXX XXXX : CFPB FTC XXXX  Attorney General
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I found an unknown and inaccurate accounts on my credit report and I sent Dispute letter but over 30 Days today I haven't received a response. I was a victim of XXXX Data Breach. I want to deleted all the accounts on my credit report or I will file a litigation.
Product: Mortgage

Since my husband and I refinanced our mortgage with United Wholesale Mortgage ( UWM ) in XXXX of XXXX, every mortgage payment we have made has been misapplied to principal instead of the monthly payment and additional principal, reversed, and then reapplied against the correct payment due, with a delay. I have called on multiple occasions to resolve this, and have been told things like " you must have selected the wrong option '' ( which is not accurate ) or " the payment was misapplied, but we've fixed it, '' or " there's a glitch in the system. '' The last time I spoke with UWM customer service, I told them that the next time this happened, I would contact the CFPB, and they assured me that it would not happen again. Despite their reassurance, on XXXX XX/XX/XXXX, this happened again.
Product: Credit reporting or other personal consumer reports

I made 3 payments across 3 of my loans in the month of May to Sallie Mae. 2 of my loans were overfunded and 1 of my loans ( loan # 0687 ) was underfunded as the funds were not allocated correctly. I was not made known of this until it was reported 60 days deliquent to the credit bureaus. I called immediately and made an additional payment to bring the account to good standing. I filed an appeal to have the deliquent reporting removed and was denied the removal in their review. After calling to speak with the supervisor I was told there is absolutely nothing I can do and will have to live with the late payment notice on my credit. This dropped my credit XXXX points in an absolute crucial time where my family depends on my credit to get us through financial hurdles. I asked to file an appeal of the denied decision and was told there was no option for me to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

TD bank is reporting a late payment on my credit report for {$80.00} when auto payment every month is around {$400.00} on auto pay. I have set up this account years ago to auto pay and i have never removed or changed this feature. I just noticed this late on my credit. looks like the bank had a glitch on their end and is hurting my credit now.